Credit Crunch: Go Online To View This Section!

November 2011
a special supplement to Buyers Guide

CREDIT
CRUNCH
How to Manage Credit
Cards, When Holiday
Shopping
OFFICE
ETIQUETTE
Dos and Donts
of Office Gifting
SEASON
FOR
SECURITY
Avoid Scams When
Holiday Shopping
Go Online to
view this
section!
www.yourbg.com
Buyers Guide 2
Gold & Silver Coins
Jewelry
Large Selection of Gold and Silver
Jewelry! Diamonds, Bracelets, Rings,
Pendants, Earrings & Necklaces
GIFT CERTIFICATES AVAILABLE In Any Amount!
Come See Us Thursday, Dec. 1st
11am-7pm
ONE DAY ONLY!
Gold, Silver & Diamond Buyout
Bring your Rings, Necklaces, Bracelets, etc.
Professional Jeweler On Site
2137 Williamsport Pike Martinsburg, WV 2137 Williamsport Pike Martinsburg, WV
Tannermans.com Tannermans.com
304-262-8500 304-262-8500
Longaberger
Baskets In Stock
DVDs
Over 10,000 Titles In Stock
$
2 ea. (Blu-Ray $6 ea.)
Guns
New & Used Long Guns
and Handguns
We Stock Left & Right Hand
Leather Holsters
Accessories, Ammo, Knives And More
With a special selection of unique coins
for the Holidays
holiday gift guide
November 2011
a special supplement to Buyers Guide
CREDIT
CRUNCH
How to Manage Credit
Cards, When Holiday
Shopping
OFFICE
ETIQUETTE
Dos and Donts
of Office Gifting
SEASON
FOR
SECURITY
Avoid Scams When
Holiday Shopping
Go Online to
view this
section!
www.yourbg.com
TABLE OF CONTENTS
04 | Kids and gifts: HOW MUCH IS TOO MUCH?
05 | Sensible Planning MAKES FOR
SMART HOLIDAY SHOPPING
06 | A quick guide to: GIFT-GIVING ETIQUETTE
07 | DOS & DONTS FOR exchanging gifts with coworkers
08 | Credit Crunch MANAGING CREDIT CARDS
DURING THE HOLIDAYS
10 | Layaway plans make a comeback
11 | Daily Deals MAKE GREAT HOLIDAY GIFTS
12 | GIVING ON A TIGHT BUDGET
13 | Its a wrap GREEN ALTERNATIVES
FOR GIFT PACKAGING
14 | Shipping Gifts MORE THAN JUST TIMING
15 | Last minute HOLIDAY SHOPPING TIPS
16 | Popularity of conventional
shopping malls on the decline
17 | Holiday Shopping MINUS THE CROWDS
18 | Ways to create NEW HOLIDAY TRADITIONS
19 | Six strategies for TRANQUIL HOLIDAY TRAVEL
20 | Tis the season for ONLINE HOLIDAY SCAMS
21 | PROTECT AGAINST MAIL THEFT
22 | Tipping point WHO TO TIP DURING THE HOLIDAYS
24 | GIFT from bad to worst
25 | Survive Holiday Shopping with Kids in Tow
27 | Secure your identity while shopping online
Surgeon Generals Warning: Quitting Smoking Now Greatly Reduces Serious Risks To Your Health Prices Subject To Change Without Notice
1-877-847-6653 Kingdom Farm Shopping Center I-81 South, Exit 321 VA
HOURS: Mon-Sat 9:30 - 5:30 Sun 10-5
All Popular & Bargain Brands starting at
Customer
Service Is
Our
Business!
Zippos
10% OFF!
Voted # 1
Cigarette Dealer
3 Years
in A Row!
Odor
Eliminating
Candles
$
7.99
Closed:
Thanksgiving Day
Christmas Day
New Years Day
Closing at 3pm on:
Christmas Eve
New Years Eve
$
23
99
Discount Cigarettes of Clear Brook
Not For Re-Sale!
00
OFF
$
1
#002
Nov. 21-27
ONLY!
PER CARTON
WARNING: Cigarettes Are Addictive.
3 Buyers Guide holiday gift guide
Buyers Guide 4 holiday gift guide
Kids and gifts:
HOW MUCH
IS TOO MUCH?
Despite the many messages from all
corners promoting a more is better
philosophy when it comes to holiday gifts,
the truth is far more complex especially
for children. While most parents work hard
to give their kids everything they need and
much of what they want, it is often hard to
draw the line, prompting many well
intentioned moms and dads to ask, How
much is too much?
In general, the answer lies within each
family. Parents should purchase what
makes sense to them and what they
believe their children will use and
appreciate. However, in recent years, child
psychologists and experts in child
development have returned to these
questions as economic conditions have
forced many families to scale back, both
throughout the year and during the holiday
season.
Books such as The Pampered Child
Syndrome (Jessica Kingsley, 2006) by
Maggie Mamen and Give Me, Get Me,
Buy Me (HCI, 2010) by Donna Corwin
and several others on the same topic offer
similar conclusions: When children are
given too much over the course of their
childhoods, they can develop a serious
case of entitlement, become
unappreciative of what they have and
begin to equate love with stuff. And for
younger children, receiving a huge pile of
gifts in one sitting can be both
overwhelming and overstimulating.
If you have been wondering about these
issues, here are some general guidelines
for having a fun-filled holiday with just
enough stuff.
Make a gift plan
Before setting out on your first shopping
expedition, devise a plan that makes
sense for your family. If you have younger
children, decide on the number of gifts for
each. With older children, you might want
to establish a dollar amount rather than a
gift amount. Once youve made the plan,
stick to it no matter what.
Draw names
Particularly in bigger families, gift-giving
can become a financial and emotional
burden if everyone buys for everyone.
Drawing names not only reduces those
burdens, but often results in more
meaningful gifts all around.
Opt for a shared experience
Consider pooling the money you would
have spent on individual gifts and putting it
toward a special outing, vacation or
shared item for your home. Long after the
toys have broken and the electronics have
stopped working, your children will cherish
their memories of a holiday that focused
on sharing time together.
Communicate
If Grandpa Mike or Aunt Emily has a
reputation for heaping on the presents at
Christmas or Chanukah, let them know
ahead of time that one will do, then offer a
suggestion that is sure to please your son
or daughter. If they insist that they want to
do more, consider asking them to make a
donation in your childs name to a
charitable organization or to purchase a
gift for a local child in need.
Collaborate
Sometimes one big gift makes a lot more
sense. If your child would love a new bike
or a trampoline or horseback riding
lessons, consider asking extended family
members to contribute to that item or to
items that go with it, such as a helmet or
other gear.
TRUCK LOAD MATTRESS SALE!
50%-60% OFF ALL BRANDS
Dont Pay High
Chain Store Prices!
SYMBOL CLASSIC
PREMIER PILLOW TOP
Twin Set . . . . . . . . .
$
269
95
Full Set . . . . . . . . . . . .
$
319
95
Queen Set . . . . . . .
$
359
95
Twin Set . . . . . . . . . .
$
199
95
Full Set . . . . . . . . . . . . .
$
239
95
Queen Set . . . . . . . .
$
259
95
SYMBOL - DYNASTY
336 Coil 5/5 year warranty
336 Coil 7/7 year warranty
GREAT DEALS
Compare Our Prices And Quality
$
75

OFF
ANY RECLINER
EVERY
LA-Z-BOY
WALLAWAYS or ROCKER
RECLINERS
with this coupon. Take $75 off our already
low, low discounted price on any LA-Z-
BOY or BEST CHAIRS in our huge
inventory. Expires 12/31/11.
$
100 OFF
CATNAPPER
POWERLIFT CHAIRS
Not valid with any other discounts or coupons. One
coupon per purchase. Limited time offer.
WITH COUPON ONLY
Also available
in
Hickory or
Cherry
& Black
M
ake This
the
C
hristm
as
Ever!
B
e
s
t
205 Eagle School Road Martinsburg, WV 304-263-6969 Next to Golds Gym
Monday - Friday 9:30AM-6:00PM Saturday 9:30AM-5:00PM CLOSED SUNDAY
Shop and Compare... Youll be glad you did! CREDIT AND LAYAWAYS ARE AVAILABLE
All Furniture Discount Priced Every Day!
D utch B rothers
F urniture & M attress O utlet
Use Your
Credit -
90 Days
Same As
Cash
Look for Special
Clearance Tags on
Selected Items
EXAMPLE:
ROCKER or WALLAWAY
SHOWN
$
299
FULL
PRICE AFTER DISCOUNT!
$
469
95
DINETTE with bench
as shown
Set Up And Removal Of Old Bedding Available
25 Different Sets To Choose From
Immediate Delivery
Trade In Your Old
Mattress and
Get
$
50
00

or

$
100
00
(Regardless of Condition!)
Thats Right! Buy Any Simmons Beautyrest & well give you $50 towards the purchase of any Classic or $100 when you
buy a new Beauty Rest World Class! Bring in your old mattress set & save $50 or 100 immediately...or arrange
delivery & well pick it up when we deliver your new set!
www.DutchBrothersFurnitureOutlet.com
Sensible Planning
MAKES FOR SMART
HOLIDAY SHOPPING
The holiday season is among the most stressful times of
year. With long lists of things to do, meals to prepare, family
and friends to entertain, and gifts to buy, many people
embark on the holiday season with more fear than cheer.
And with so many people trying to spend less these days,
preparing for the holidays has become that much more
challenging. But by planning in advance and establishing a
holiday shopping game plan, men and women can save
money and maintain their peace of mind.
Start at the bottom line. The best way to avoid
overspending during the holidays is to establish a budget
and then stick to it. Before making any holiday
purchases, determine a holiday spending limit that is
acceptable to you and your spouse or partner. The figure
should include not only the cost of gifts, but expected
expenditures for holiday entertainment and entertaining,
decorations, travel, and items such as clothing and home
improvements.
Know as you go. Know what portion of a holiday budget is
for gifts and keep a running total of expenditures as you
shop. This way, you will have a sense of where you stand
at any given point in the shopping season and can adjust
accordingly.
Be an informed shopper. There are deals galore in the
run-up to the holidays and it pays to compare prices and
offers before making any purchases. Check newspaper
and online ads as well as retailers Web sites to
determine both where and when you can get the best
deal.
Make a list and check it twice. Plan your purchases
ahead of time to avoid impulse buying. By having a gift in
mind for each person on your list, you will save time,
money and headaches.
Consider family gifts. If there are a number of families on
your gift list, consider giving a single gift or gift basket
that everyone can enjoy. A waffle iron or ice cream
maker, for example, is a gift that foodie families will savor
for years to come.
Give the gift of your time. Some of the most cherished
gifts have no price tag attached. Homemade gift
certificates for things like car washing, dishwashing,
babysitting, lawn mowing, and closet cleaning are always
wonderful and welcome. As the giver, just make sure to
make good on your promise.
325 W. Boscawen St. Winchester, VA
540-662-2263 www.thetotalimage.net
Extended Holiday Hours:
Mon-Sat 9:30-8 Sun 11-6
Locally Owned and Operated by Terry D. Shepherd
1315 Old Courthouse Sq.
(Next to Food Lion)
Martinsburg, WV
304-596-2500
Sprint Store
Express
Android
Mania!
November 25
th
, 26
th
, 27
th
& 28
th
Only
Android Phone
FREE
w/new activation.
Samsung Replenish
Samsung Nexus S
Samsung Conquer
HTC EVO Shift
See Store for complete details
Hurry! Limited Time Offer!
We Pay More...
GUARANTEED!
NEED CASH?
Great Gifts For Great Gifts For Great Gifts For
Christmas Too!!! Christmas Too!!! Christmas Too!!!
We Will Pay You More For
UNWANTED GOLD
Your UNWANTED GOLD !
We Buy
- - -
Sell
- - -
Pawn
Fraziers Pawn Shop
922 N. Queen Street,
Martinsburg, WV
304.263.8511
New & Used Handguns, Shotguns & Rifles
TVs Stereos electronics Gold
Silver & Diamond Jewelry Movies
Video Games & Much More
Review your gift list each year to
determine if any relationships have
changed and require a shift in your gift-
giving plan.
Dont ask non-family members on your
gift list what they would like. This not
only spoils the surprise, but puts
pressure on recipients to gauge how
much you want to spend and requires
them to get you something in return.
Dont feel obligated to match what
others spend. Buying gifts based on
what others spend is both unnecessary
and can lead to excessive expenditures.
For workplace gifts, adhere to the
companys policies and make sure that
gifts are given out of appreciation, not
expectation.
Including a gift receipt is a good idea
and avoids potentially awkward
situations when an item doesnt fit or
doesnt work.
Give holiday tips to those individuals
whose service you count on throughout
the year, such as hairstylists,
babysitters, dog walkers, etc. An easy
rule of thumb for holiday season tips is
to double the usual tip. For household
employees, give one weeks pay.
If someone surprises you with a gift,
the best bet is to respond honestly. Let
the giver know that you are surprised,
touched and appreciative as well as a
bit embarrassed that you dont have a
gift in return. Then let it go and add
his/her name to your gift list for the
following year.
Dont arrive at holiday gatherings
empty-handed. A small gift, bottle of
wine or contribution to the evenings
edibles is the right way to thank your
hosts for their invitation.
Acknowledging gift givers is a must,
but formal, written thank you cards are
optional. While handwritten notes are
always preferable and greatly
appreciated, e-mails are increasingly
acceptable especially for young
people.
Regifting is now considered a (mostly)
acceptable practice, as long as its done
thoughtfully, tastefully and within the
following guidelines:
- The regifted item should not be
homemade or made especially for you.
- The item should be new, unused and
in its original packaging, along with
instructions.
- Be sure to remove all previous
wrapping and gift tags.
- Dont regift to friends or family
members who have a reputation for
returning things they dont like.You dont
want to be asked for a gift receipt.
- Make certain that the original giver and
the new recipient will never cross paths.
Deciding on
and paying for
holiday gifts
can be a
challenge
under the best
circumstances.
But then there
are the
inevitable
sticky
situations that
can leave even
the most
experienced
gift-givers
scratching their
heads. In the
hopes of
dodging major
gift gaffes this
holiday season,
here are eight
tips for
gracious giving
and receiving.
gift-giving etiquette
a quick guide to
STATE LINE DOLLARSAVER
1st Exit off I-81 in VA 4740 Martinsburg Pike, Clearbrook, VA
Open 8AM - 9PM
7 Days a Week 540-545-8135
Virginia Lottery
All Games Sold Here
Thompson Candle Co.
Wax Melts - 6oz. bags
$
5
99
Country Primitive
Decor & Gifts
- New Arrivals Every Week -
Pictures - Rugs
Crocks - Wax Melts/Warmers
Candle Berry Picks/Vine
- Lots More
OLD FASHIONED
CHRISTMAS CANDY
Chocolate Peanut Clusters Orange/Cherry Slices
Fruit/Spice Drops Coconut BonBons
Double DippedPeanuts Peanut Brittle andMore!
AMISH COUNTRY
PRIMITIVE DECOR/GIFTS
Pictures by Billy Jacobs
Candles Wax Melts Warmers
Crocks Home Dcor Rugs
CHRISTMAS
Decorations Ornaments
Gift Bags Gift Wrap
Artifical Trees
Christmas Cards - Singles & Boxes
AMISH STYLE FOODS
Mrs. Millers
and Jake & Amos
Large Selection
WE ALSO HAVE :
Groceries Housewares
Health and Beauty Automotive
Pet Supplies School and Office
Party Supplies
NEWPORT
$
42
69
$
31
99
NEWPORT
(Non-Menthol)
$
30
29
MARLBORO 72S
& MARLBORO
SPECIAL BLEND
$
9
69
SKOAL X-TRA &
COPENHAGEN
LONGCUT WINTERGREEN
LONGCUT STRAIGHT
EXTRA LONGCUT
5 CAN ROLL
DOS &
DONTS FOR
exchanging gifts with coworkers
W
hen among the masses shopping for holiday gifts,
consumers might want to take a close look at the
expressions on their fellow shoppers faces. Note
the ones whose eyes are glazed over, who are anxiously
biting their bottom lips or seem to be exhibiting recurring
facial twitches. These are not individuals on the verge of a
nervous breakdown. In fact, many are otherwise well
adjusted people in the throes of choosing holiday gifts for
their coworkers or bosses.
While there is nothing inherently complicated about
choosing tokens of appreciation for ones associates or
superiors, the challenge is not just choosing the right token,
but in choosing something without the potential to offend or
confuse the recipient.
To help make the process go smoothly from purchase to
presentation, here are some of the chief dos and donts for
office gift-giving.
do
Make sure that you know your
companys policy on gift-giving. For
example, are there specified or
unstated spending limits?
Be clear about who should be on
your gift list. Do you get gifts for
everyone in your department or just
those individuals with whom you
interact most frequently?
Choose thoughtful and tasteful gifts,
whether buying a different item for
each person or the same item for all.
Consider gifts that can be used in the
office, such as distinctive office
supplies, a photo frame, gadget,
calendar, or pen.
Go for gifts that can be shared either
at home or work, such as gourmet
food items, books or plants.
Find out if colleagues have food or
plant allergies before selecting gifts in
those categories.
Take the time to package and wrap
gifts with care.
dont
Overspend, especially when
purchasing a gift for your boss.
Give presents to colleagues outside
of your gift circle in order to make a
good impression or curry favor.
Choose joke or gag gifts, even for
coworkers you think you know well.
While the recipient might appreciate
the gesture,it could be misinterpreted
by others.
Re-gift or give items that are used or
in anything but pristine condition.
Stray outside the limits of good
taste. In other words, dont even think
about gifts that could be considered
too personal (including clothing,
perfume or jewelry) or are in any way
political, religious, racial, or sexual.
And unless you are absolutely certain
of the recipients tastes and habits,
steer clear of alcoholic beverages of
any kind.
Give gifts that can be misconstrued
as having a hidden meaning or
agenda, such as flowers (especially
roses), cash, lingerie, or personal
hygiene products.
Leave anyone out. Hurt feelings are
hard to overcome and can strain
otherwise productive working
relationships.
Credit Crunch
MANAGING
CREDIT
CARDS
DURING THE
HOLIDAYS
The holiday season is synonymous
with many things. Among those things is
holiday shopping. Some people revel in
holiday shopping, while others would
just as soon never see a mall again the
rest of their lives.
Regardless of where men and women
stand on holiday shopping, an essential
element to a successful shopping
season is managing money wisely.
For most consumers, that means using
credit cards in a way that wont leave
them with a mountain of bills come
January. This holiday season, consider
the following suggestions to ensure your
holiday shopping doesnt come back to
haunt you when all those bills are due
after the New Year.
Dont start spending until you have
devised a repayment plan.
Particularly during the holidays,
consumers tend to spend first and
worry about payments later.
However, this is a dangerous
approach. Before spending a dime,
have a plan to pay bills already in
place. This helps shoppers avoid
going over budget and finding
themselves in a nightmare come
January when the bills are due.
When devising a plan, be as
specific as possible, such as setting
a February 1 deadline to pay off all
credit cards. The more specific you
can be, the more likely the plan is
going to be successful.
Beware of retailer credit cards.
Retailer credit cards entice
customers during the holiday
season, typically offering 10 percent
back on the first purchase after
applying and receiving the card.
While this entices many consumers
to sign on the dotted line, shoppers
should know retail credit cards often
come with high interest rates. For
shoppers who plan to carry a
balance, these interest rates can
add up, negating the benefit of that
10 percent discount at the register. If
a retail credit card offers a
reasonable interest rate or
something like 18 months with no
interest on more expensive
purchases, then it might be worth
considering. But for the most part
consumers are better off simply
paying full price and not signing up
for a card they dont need just to
save an extra 10 percent.
Be careful when using multiple
cards. Using several cards tends to
give consumers a false sense of
security. Consumers who use
multiple credit cards during the
holidays often feel this keeps them
from piling up a massive balance on
one card. However, the best
strategy is to simply use the card
that boasts the best interest rate.
Know your balance and where you
stand. A holiday shopping spree
can quickly grow out of control, but
shoppers must know their balances
at all times. Exceeding the balance
typically results in hefty penalties,
and those penalties are something
most shoppers simply cant afford
during the often costly holiday
season. If one card is maxed out,
shoppers might want to cease their
holiday spending altogether. A
financial situation in which a person
is carrying a maxed-out credit card
is never ideal, and shoppers should
not dig themselves a deeper hole by
spending more on top of that.
Instead, they can work toward
paying down the balance and
spending less on holiday gifts.
Use credit cards when buying gifts
online. One positive way to use
credit cards when holiday shopping
is to use them when buying gifts
online. Credit cards offer consumers
more protection against fraudulent
purchases than debit cards, so
consumers should always use
credit cards when shopping online.
The holiday season is a fun time of
year, but consumers can quickly
spoil their season if they arent
responsible when using credit cards
to make their holiday purchases.
Indian Sun & Silver
Tanni ng Sal on Pl us
www.indiansunandsilver.com
1440 Winchester Ave. Mtsbg. 304-263-6565
Gift Certificates Available
Make Monthly Payments....
INTEREST FREE!
Electronic Funds Transfer For Memberships
Available In All
5 Levels Of Tanning
Red Light Therapy Bed
Pay 1/2 o f Regular 30 Day Pricing
(With 12 Month Committment)
No Committment Prices Also Available
$
30
00
off
HCG Weight Loss
Diet Drops
43 Days Supply
With Online Support
Only $69 plus tax
Mention This
Ad a nd
$
29
00
Sign Up
Fee Is Waived!
We are a loyal hometown business that
has earned our customers trust!
Start the
year off with
a new career
as a Cosmetologist,
Esthetician, or Nail Tech!
~ 201 WEST KING STREET, MARTINSBURG ~
I N T E R N A T I O N A L I N T E R N A T I O N A L
BEAUTY SCHOOL
BEAUTY SCHOOL
Full Service Salon!
304-263-4929
~ WALK-INS WELCOME ~
DISCOUNT
PRICES
Financial aid is
available to those who
qualify. Classes
Starting Now.
Call:
301-717-7668
Manicure . . . . . . . . . . . . . . . . . . . . $8.00
Pedicure . . . . . . . . . . . . . . . . . . . $15.00
Color . . . . . . . . . . . . . . . . . . . . . . . . . $25.00
Facials . . . . . . . . . . . . . . . . . . . . . . $25.00
Perming . . . . . . . . . . . . . . . . . . . . $30.00
Cuts . . . . . . . . . . . . . . . . . . . . . . . . . . . . $7.00
We Also Offer:
Cellulite Treatments
Body Wraps Waxing
Extensions Birthday Parties
WANT TO
EARN
MORE
MONEY?
Holiday
Gift
Certificates
Available
$
1
00
OFF
ANY HAIRCUT
ANY HAIRCUT
Must present coupon. Not valid with any other offers
Expires 1/31/12
$
2
00
OFF
a Spa Pedicure
a Spa Pedicure
Expires 1/31/12
with any chemical service
with any chemical service
FREE
Basic Manicure
Expires 1/31/12
CUT, STYLE & COLOR
SUPERSTYLE
$
30
00
Expires 1/31/12
All Services Performed Under The Supervision
Of A Licensed Instructor
S
tart H
ere!
FREE
Installation
*
After Mail In Rebate
2 Great Locations to Serve You
304-267-7251 304-724-7251
Martinsburg Charles Town
Visit us online at www.orsinis.com
12 Months
Same As Cash
with approved credit
O
n A
ll
*Free Installation offer ends 11/30/11
Stainless Steel Dishwashers
Gift Certificates
Buy One,
Get One Free
www.thehairfix x.com
186 Talbott Ave. Mtsbg, WV (off Paynes Ford Road in Pikeside)
304-267-KUTZ 304-261-3902 304-267-KUTZ 304-261-3902 304-267-KUTZ 304-261-3902
*cannot be combined w/any other offers
FREE COFFEE
Free WiFi
Handicap Accessible
Watch Next Weeks Ad For Our Watch Next Weeks Ad For Our Watch Next Weeks Ad For Our
Christmas Open House Christmas Open House Christmas Open House
Layaway plans
MAKE A
COME BACK
If you thought layaway plans had gone
the way of eight-track players and floppy
disks, think again. The deferred payment
or installment plan, once popular with
budget-conscious consumers
especially during the holiday season
is making a big comeback.
For people who are unfamiliar with the
concept or were born after the 1980s
(when installment plans gave way to
credit card purchases and other types of
financing), layaway is a simple way to
purchase merchandise interest-free
over time. Consumers select the items
they want to buy from a retailer offering
the plan, make a deposit, which often
includes a modest service charge, and
pay for the merchandise over a specified
period. Once the item has been paid in
full, the retailer releases the goods to the
consumer. The only potential glitch is if
the consumer fails to make payments in
full or on time. In that event, the retailer
has the option of returning the
customers payments (less service
charges) and reselling the items.
While theres no doubt that todays shaky
economy has contributed to the revival of
layaway plans, economists and
representatives of several of the nations
leading retailers and layaway providers
Sears, K-Mart, Burlington Coat
Factory, Marshalls, TJ Maxx, Toys R Us,
and Hallmark insist that the recession
is only part of the story. For retailers,
layaway plans open the doors to millions
of new customers who would not be able
to make purchases without them. For
consumers, paying in installments is
increasingly viewed as a sound financial
tool for purchasing necessities and
managing expenses, particularly during
the holiday season.
Overall, layaway plans are heavy on
benefits, including:
No fine print: For the most part, retailers
layaway plans are straightforward and
easy to understand.
No credit checks: Credit checks are not
required to enter into a layaway contract,
making it a great option for people who
are trying to rebuild their credit due to
foreclosure or past credit card problems.
No need to leave home: Some retailers
have launched e-layaway programs,
making it possible for consumers to
purchase online over time.
There are only a few drawbacks to
layaway plans, but they are worth
noting:
Missed payments: Making payments
and making them on time is the key to
a successful layaway purchase. The
penalty for missing payments is the
cancellation of the layaway contract.
However, most plans offer a seven-day
grace period for missed payments. It is
important to know the details of each
retailers plan before signing a contract.
Missed sale prices: For shoppers who
count on cashing in on Black Friday
sales, layaway might not be an option.
Some retailers dont offer Black Friday
prices to layaway customers, so it pays
to check with the stores you plan to
patronize before the holiday shopping
season begins.
Buying items on layaway
gives shoppers the ability to
pay in installments without
any interest. The concept is
once again gaining
popularity in many stores.
Over the last few years, daily deal sites
have grown enormously in both
popularity and membership. The largest
of these sites Groupon, Living Social,
Woot and Eversave are all expected
to draw large crowds of virtual shoppers
on the hunt for gift deals this holiday
season. These deal-of-the-day Web sites
and the many others that have sprung
up recently offer consumers
opportunities to purchase deeply
discounted gift certificates that can be
redeemed at both local or national
companies. And with so many
consumers still on the lookout for
savings this holiday season, daily deal
sites are an attractive source for great
gifts on a tight budget.
Typical deals offer 50 percent off the
retail price of the goods or services and
become valid once the number of deals
purchased reaches a predetermined
threshold. Registration is free and the
daily deal offers for everything from food,
fitness and fashion items to salon
services, sporting events and weekend
getaways are delivered via e-mail and
localized to each users market area.
For those consumers who want the best
shot at deals offered on multiple sites,
but dont want to spend hours reading
multiple e-mail offers, PriceGrabber has
launched deals.pricegrabber.com, a one-
stop shopping site that allows users to
look through hundreds of deals offered
by more than 20 daily deal Web sites via
a single e-mail each day. Other deal
aggregators sites that gather
information on deals offered by multiple
companiesinclude Dealery, Dealnews
and Yipit.
Giving daily deals as gifts generally
works two ways. The purchaser either
presents the gift certificate itself or uses
the deal to purchase the actual gift item.
Either way, there are few, if any,
drawbacks to daily deal shopping,
particularly if you have access to multiple
sites in one daily e-mail. There are only
two things to keep in mind when
purchasing daily deal vouchers as gifts:
Note the expiration date. Most daily deal
certificates have an expiration date,
which is often one year from the date of
purchase. Especially when purchasing
activities, accommodations or services,
make sure that the person receiving the
gift will be able to use it within the
specified timeframe.
Read the offer carefully, including the
fine print. Some offers come with
conditions. For example, a yoga studio or
hair salon might limit the use of the
vouchers to new customers or specify
that the deal can only be used for
particular classes or stylists. In most
cases, however, daily deals are
straightforward and dont require more
than one read to decipher.
MAKE GREAT
HOLIDAY GIFTS
Daily Deals
5054 Cerrardstown Rd, Inwood - 304.229.2400
. . .has begun at South
Berkeley Pharmacy & Gift!
ADORABLE SNOWMEN in all sizes
& special ornaments to match!
ENGRAVED BASKETS for all local schools
& a wide assortment of YANKEE CANDLES!
Lots of WVU ITEMSUISPXTtPSOBNFOUT
tMJDFOTFQMBUFTtNVHTKFXFMSZtIBOECBHTtNPSF

CRYSTAL BEADS in birthday & team colors!
STERLING SILVER necklaces & bracelets!

Special Engraved POTTERY!
TONS OF UNIQUE GIFTS
for everyone on your list!
Get creative. Holiday gifts dont
have to be bought at the local mall or
from an online retailer. Gift-givers with
unique talents can create their own
gifts and save some money along
the way. For example, shoppers
skilled at woodworking can
create a personalized
wood carving for a
friend or family
member. Good at
knitting? Knit a scarf,
mittens or even a blanket
for a loved one who lives in a cold
weather region. Such personalized gifts
are often especially meaningful to their
recipients, who appreciate the time and
effort such keepsakes take to create.
Be patient. Nowadays, many
families are so spread out
geographically that they dont always
get together on Christmas Day. If thats
the case and you wont be seeing your
family until a few days after Christmas,
take advantage of the special sales
offered in the days after the actual
holiday. Items are often heavily
discounted, and if you can stay patient,
your patience might just pay off with
substantial savings.
Establish spending
rules with family members before
the shopping season begins. In an
effort to reduce some of the financial
burden of the holiday season, many
families have begun to place spending
limits on holiday shopping. This saves
everyone money and ensures no one
finds themselves with substantial debt
come the new year.
Do a gift exchange with
family and friends. Many larger families
have also begun to do a gift exchange
rather than asking members of the
family to buy gifts for each and every
member of the family. In a gift
exchange, each member of the family
draws a name out of a hat and then
only buys a gift for that specific person.
This even has the added benefit of
allowing shoppers to buy something a
little more expensive for a family
member since they arent obligated to
buy gifts for anyone else.
Start early. The earlier you begin
your holiday shopping, the more you
can spread out your spending. This
reduces the financial stress of the
season while still allowing shoppers to
get something special for everyone on
their shopping list.
Holiday spending may or may not
increase this holiday season. But savvy
shoppers can still make the most of
their spending without breaking the
bank.
As global economic woes
continue, holiday spending
remains difficult to predict. In
2010, holiday spending rose more
than five percent from the year
before, according to MasterCard
Advisors
TM
SpendingPulse
TM
. That
increase surprised forecasters,
many of whom predicted holiday
spending would decline for the
fifth straight year.
With the holiday season on the
horizon once again, no one truly
knows what consumer response
will be. But many consumers
figure to exercise some restraint
this holiday season, sticking to a
budget when buying gifts for family
and friends. While budgets are
good ways to limit spending, a
holiday spending budget doesnt
mean shoppers cant still put a
smile on their loved ones faces. In
fact, with a few tips, holiday
shoppers can stick to their
budgets and still enjoy a happy
holiday season.
Merry Christmas Merry Christmas
f
r
o
m

Over 20 Years Experience
Licensed & Insured
Master Electrician
WV026307
304-229-8816
Scotts Electric
Giving
ON A TIGHT
BUDGET
If your holiday halls are decked with
stacks of paper bags, mounds of
crumpled wrapping paper, an array of
random ribbons, and a gaggle of gift
tags that are destined for the local
landfill, its time to add a little green to
your gift-wrapping regimen.
Given that the average households
waste jumps by more than 25 percent
between Thanksgiving and New Years
Day and that holiday debris adds an
additional one million tons per week to
landfills, there is a lot that everyone
can do to recycle, reuse and reduce
during the holidays. According to Eco-
Chick.com, If every family reused just
two feet of holiday ribbon, the 38,000
miles
of ribbon saved could tie a bow
around the entire planet. If every
American family wrapped just 3
presents in re-used materials, it would
save enough paper to cover 45,000
football fields. The 2.65 billion
Christmas cards sold each year in the
U.S. could fill a football field 10 stories
high. If we each sent one card less,
wed save 50,000 cubic yards of
paper.
Here are some ways to go
green and even save green
on gift packaging this year:
Recycle: Conventional
wrapping
paper
typically
cannot be
recycled
since it is
often
coated in
metal foil or
is plastic
laminated.
But if the
paper rips
and doesnt
glitter or shine,
it can and should be
placed in the recycle bin along with
other paper products. Check with your
local recycling provider to find out
which types of wrapping paper they
accept. The good news is that
recyclable wrapping paper is
increasingly available from both online
and brick-and-mortar retailers such as
Amazon.com, Office Depot and
UncommonGoods.com.
Reuse: Before the opening of the gifts
begins, set aside a box for collecting
reusable boxes, wrapping paper, gift
bags, bows, ribbons, and other
decorative items. Even if wrapping
paper is torn, it can be used for craft
projects, packaging filler or to enclose
smaller gifts the following year. Gift
bags are also great candidates for
reuse. If the surface of the bag is
marred from removing ribbon or a bow,
the spot can be covered with other
decorative items or scraps of used
wrapping paper.
Reduce: Recycling and reusing boxes,
wrapping paper, ribbon and gift bags is
a big step in the right direction. But the
best way to avoid waste is to reduce
the use of these items in the first place.
Rather than wrapping gifts in paper,
consider using scarves, old tea towels,
cloth napkins, or leftover fabric. If
youre crafty, consider creating your
own simple fabric sacks that can be
easily sewn by hand or machine. If
youre not, try painting an old
pillowcase and tying it up with fabric
ribbon, string or even shoelaces. And
dont forget newspaper! The comics
make colorful giftwrap any time of year,
particularly for kids.
Now Celebrating Our 25th Anniversary!
With a very special thanks to all our customers this holiday we are
offering a very special discount to you because youre so-so-so special.
MERRY CHRISTMAS
From your Loyal Auto Friends at
201 Wilson St.
Martinsburg, WV
OPEN 8 am - 6pm Mon. -Fri.
8 am - 4pm Sat.
For Your Convenience
304.267.2280
Automatic
Transmission Flush
$
99
95
Includes Parts, Labor
& Complete Flush
Car Wont Start
24 Hour +
On Site Parts Store
Lube, Oil, & Filter
$
24
95
Most U.S. & Import Cars & Trucks
Excludes Any Other Offers.
Up to 5 Qt.
Filter & Lube Chassis
Nights
&
Weekends
On Call Service
261-2696
Call
304-267-2811
Ih
EIIk
BBN
Spring Mills
Wal-Mart
New
Beginnings
Church
hI5INk5 5khI
Name brand instruments, shop adjusted, set up
& ready to play at the best prices around!
Check out our website
guitarroom.com
304-263-1847
574 Railroad Dr., Martinsburg, WV
Electric Guitars
Ampliers
PA Systems
Banjos
Mandolins
Rack Cases
Violins
Autoharps
Microphones
DJ Equipment
Loudspeakers
Lighting
Bulk Cable
Adapters
Song Books
Drum Heads
Harmonicas
Reeds
Acoustic & Electric Guitar Starter
Packages On Special Sale!
hI5INk5 5khI hI5INk5 5khI
HOLIDAY HOURS:
(Beginning Nov. 25th)
M & F: 10am-8pm
Tu, W, & Th: 10am-6pm
Sat: 10am-5pm
Its a wrap
GREEN
ALTERNATIVES
FOR GIFT
PACKAGING
Toys for Tots
Safe, Secure Location
Cell Phones for Soldiers
(drop-off your old cell phones)
American Flag
exchange Program
(receive a new flag when you turn
in an old worn out flag)
Free Pet Photo s w/Santa
with a donation for the benefit the
Berkeley County Humane Society
Saturday, December 3rd
from Noon to 4 pm
(Please Call for a list of Items needed)
All Occasion Greeting Cards Made In USA
Delivering the Best of America!
78 2 Foxcroft Ave Martinsburg, WV
(Directly Behind Outback Steakhouse)
304-262-9602
WE SELL BOXES!
Dont Waste Time In Line
Fast, Friendly Service
Let Us Pack Your Shipment
FedEx Ground FedEx Express DHL Notary All United States Postal Services Copy/Fax
Stamps At Cost Packaging Supplies Professional Packing Services
We Offer All We Offer All
Postal Services Postal Services
Priority Express
1st Class Media Mail
Certified
$
2.00 OFF
Any FedEx
Shipment
With Original Coupon.
Expires 1/31/12
50% OFF
Faxes & Copies
50% Fax & Copy Services.
Must present Original Ad.
No Limit. Expires 1/31/12
Candle Chip
Special
Buy 5, Get 1
FREE
1oz. packs
With Original Coupon.
Expires 1/31/12
For Your Holiday And Year-Round Shipping Needs,
Stop In Today And See Why
Won The Best Of The Best Mailing/Shipping Location
In 2008, 2009, 2010 & 2011 - Journals Readers Choice Award
Military/
International
Shipping Specialists
We Support The
Following:
Shipping Gifts
MORE THAN JUST TIMING
When shipping holiday gifts,
much of the focus is on getting
those gifts in the mail on time.
While its important to avoid
procrastinating when shipping
holiday gifts, theres more to
shipping gifts than just getting
them sent out promptly. When
shipping holiday gifts this
season, consider the following
tips.
Ship and pack your gifts with
professional packing services
offered by many local shipping
stores. They have the expertise
to ensure your items are
properly protected from damage
in shipping, by having enough
packing materials to protect
your gifts, but not excessive
amounts that will increase your
dimensional weight and
shipping costs.
Protect the gift. For those who
will be packing their own gifts
for shipment, be sure to protect
the gift, especially if its fragile.
Use bubble cushioning and
packing peanuts when sending
fragile items thru the mail. If
sending multiple items, wrap
each item tightly in bubble
cushioning but leave some
space between the items for
peanuts.
Carefully pack perishables.
When sending perishable items,
always send them via next-day
delivery and never ship them
near the end of the week, such
as a Friday or Saturday. Items
shipped on Friday and Saturday
should be able to withstand a
few days of being in transit.
When sending cheeses, fruits
or any other perishable items,
its best to do so early in the
week and choose next day
delivery.
Insure more expensive gifts.
Dont skimp on insurance when
sending expensive gifts such as
jewelry through the mail.
Shipping companies only insure
up to a certain base amount in
their standard rates. So ask for
additional insurance coverage
so the gifts full value is covered.
Having just one package lost or
damaged can be very
expensive if it is not insured
properly.
Comparison shop when
shipping. Comparison
shopping not only applies to
holiday gifts, but shipping as
well. Shipping companies
including the post office
compete for business during the
holidays and you can likely find
a good deal to reduce the cost
of shipping holiday gifts.
Nearly everyone has a
last minute holiday
shopping horror
story to tell. Be it
a late-season
grab for a
childs must-
have gift or
fighting fellow
procrastinators
for a parking spot
come the waning
days of the season,
veteran shoppers have
experienced it all.
While those with more experience might
know the tricks of the late season
shopping trade, novice procrastinators
might need a few of the following tips to
make it through the season without a
horror story of their own.
Consider online retailers. Shopping
online might not be for everyone, but
those without much time might want to
consider online retailers, many of which
guarantee delivery of the item by
Christmas Day for orders placed as late
as December 20. In addition, some
retailers even guarantee delivery if the
order is placed by December 22, but
such guarantees often require
consumers to choose overnight delivery,
which can be costly.
When shopping online, if no gifts stand
out, consider buying an electronic gift
certificate instead. Such certificates can
often be delivered directly to a loved
ones e-mail inbox, and it only takes a
matter of seconds for the delivery to be
made. Though some find this
impersonal, nowadays many people
would prefer a gift card instead of
another sweater.
Go the food-and-beverage route.
One of the worst things about last minute
holiday shopping is dealing with fellow
procrastinators at the local mall. Last
minute shoppers tend to be as short on
patience as they are on time. To avoid
the malls, last minute shoppers can give
the gift of food or drink for those friends
or family members you will be seeing
during the holiday season. A nice bottle
of wine or a collection of gourmet
cheeses make thoughtful gifts, and last
minute shoppers dont need to visit the
mall to get them.
Consider a monthly gift. As a nice
bottle of wine or a package of gourmet
cheeses proves, not all great gifts need
to be picked up at the mall. A monthly gift
like a magazine subscription or a
membership to a monthly club (i.e.,
Pastry of the Month) are gifts that keep
on giving all-year. Late-season shoppers
will find these options especially
appealing as they can almost always be
ordered in just a few minutes, whether
its over the phone or via the Internet.
Dont abandon the mall entirely.
Though procrastinators are in no danger
of becoming extinct, most people do get
their holiday shopping done well in
advance of Christmas Day. As a result,
truly last minute shoppers might find the
mall isnt so crowded on Christmas Eve.
While the pickings might be slim for
shoppers who wait until December 24,
the lines may not be as long and the
parking lot probably wont be as packed.
But keep in mind it will be impossible for
a gift purchased on Christmas Eve to
find its way under a tree unless you
personally bring it to a loved one. If you
cant give the gift in person on
Christmas, dont wait until Christmas Eve
to buy it.
Donate in a loved ones name. If a
specific charity is near and dear to a
loved ones heart, make a donation in
their name. Charities are among the
many organizations that are struggling to
survive in the current economy, and your
donation might go a long way to helping
a cause your loved one truly supports.
Last minute
HOLIDAY
SHOPPING
TIPS
Call Eddie 304-279-1949
handymanls2007@gmail.com www.handymanandlaborservices.com
Handyman & Labor Services is a full-service handyman company
with a wide range of experience in residential & commercial.
Our services also include:
Flooring Decks Kitchen Remodel
Interior Painting Exterior Painting Landscaping
Lawn Care Tile Work Concrete Work
Snow Removal Bathroom Remodel Roofing
Additions Paver Stones Bobcat Services
Hauling Junk Removal Custom Interior Design
Crown Molding Basement Finishing Retaining Walls
As well as Laborers by the Hour!
AND MUCH, MUCH MORE!!!
No Job Is Too Small!
Seasons
Greetings
from
Give the Gift of Quality
Handyman Services!
20% OFF
LABOR IF YOU MENTION THIS AD!
Our excellent reputation and long list of satisfied clients attest to our superior
craftsmanship, attention to detail, clear communications, honesty and integrity.
Number One
Worldwide!
$
5
95
TRI-COUNTY RENTALS
TRI-COUNTY RENTALS
1730 WINCHESTER AVE.,
MARTINSBURG, WV
MON.-FRI. 7:30 AM - 5:00 PM SAT. 7:30 AM-2:00 PM 267-2974
Check out our
Chain & Carrying
Cash Specials!
* While Supplies Last
Simply
The Best!
Prove Your High IQ -
Buy Quality!
Full Service Dealer
Sales - Service - Parts
Best Chain
Sharpening in Town!
*
*Limitations Apply
TRI-COUNTY RENTALS
TRI-COUNTY RENTALS
1730 WINCHESTER AVE.,
MARTINSBURG, WV
MON.-SAT. 7:30 AM - 5:00 PM SAT. 7:30 AM - 2:00 PM 267-2974
Need More
Seating And
Table Space for
the Holidays?
Tents
Linens
Tables
Chairs
Place Settings
Silverware
and Lots More
We Are Your Holiday
Party Source!
Shopping malls as we know them
may soon be a thing of the past.
While these shopping complexes,
typically with interconnecting
walkways and large parking areas,
have been symbols of suburban
success since the mid-1950s,
todays conventional malls are
facing daunting challenges.
In some cases, a malls decline is
directly related to the state of its
physical plant. Those that have not
been refurbished or remodeled in
recent years look and feel dated.
Whats more,
customer base has
dwindled in many
areas, especially
those where
alternatives to
malls abound.
Other malls have
suffered as a result
of the economy,
which has driven
cash-strapped
consumers to
search out
discounts and deals at power or
mega centers, which bring
together several big box retailers
that offer easy access by car and, in
many cases, public transportation.
And as consumers have become
more comfortable with online
shopping and more aware of the
benefits of shopping locally, the
appeal of conventional malls has
continued to dwindle. Finally, the
last 15 years has seen a sea
change among consumers, who
now tend to seek out shopping
experiences rather than a simple
trip to the mall.
Newer suburban commercial
developments tend to be designed
as lifestyle centers that take their
inspiration from urban environments
and feature higher-end retailers.
These new retail complexes, which
tend to be outdoors and feature
high-quality design and a
sophisticated, urban feel, typically
include a mix of merchandise and
food/drink purveyors where visitors
can shop, dine, socialize, and be
entertained while feeling like a part
of the community. In many areas,
these newer shopping destinations
are directly competing with and
winning out over older
conventional malls.
In response, these age-worn indoor
shopping meccas are increasingly
being redesigned and retrofitted to
bring them back to life and bring
shoppers back inside. But insiders
say that converting conventional
malls into exciting new shopping
destinations is not a one-size-fits-all
proposition. Each conversion offers
its own set of challenges and
requires a unique vision that is in
synch with local residents desires
and connects the site with its
environment and locality.
In Santa Monica, California, for
example, the Frank Gehry-designed
Santa Monica Place mall a
three-level, enclosed shopping
complex that, like its conventional
siblings from coast to coast, was
anchored by two major retailers that
were connected by long walkways
featuring individual stores, a central
courtyard and food court was
deconstructed and thoroughly
reconfigured. After an eight-year-
long retrofit, the center reopened a
retail destination that includes large
public spaces for exhibits,
performances and events and, in
place of the generic food court, a
rooftop dining deck that serves up
good food and great views. The
years-long retrofit clearly paid off:
On the day that the new Santa
Monica Place opened to the public
in 2010, thousands of people
waited in line some for hours
for a chance to step inside.
POPULARITY OF
CONVENTIONAL
SHOPPING MALLS
ON THE DECLINE
The traditional mall is being
replaced by higher-end,
lifestyle-focused shopping centers.
Friday, November 25th 9 AM -6 PM
Saturday, November 26th 9 AM -3 PM
Check out our Annual
Black Friday Garage Sale...
Prices on apparel and accessories you wont believe!
Savings on select items up to 80% off!
More savings throughout the store on all the latest
gear for your winter-riding adventures
CHRISTMAS
SHOPPING SEASON
BEGINS
Lowest Prices of the Year on all Motorcycles and ATVs
- OR - check out
www.ridemms.com on
November 28
th
for
Cyber Monday Savings.
Take advantage of the deals
without leaving home
1886 Winchester Avenue, Martinsburg, WV
Mon. - Fri. 9-6, Sat. 9-3
304-262-3500
For serious shoppers and hardcore
bargain hunters, battling the crowds and
enduring the endless lines on Black Friday
are simply traditions that usher in the
holiday shopping season. For the rest of
us, the idea of rising at 3 a.m. on the
morning after Thanksgiving and heading
out into the night to compete for gifts and
assorted holiday goods with thousands of
zealous consumers is nothing short of a
nightmare. But for the truly squeamish,
whose goal is to avoid even the hint of a
crowd, there are indeed ways to purchase
every gift on your list without encountering
hordes of holiday shoppers.
The most obvious strategy for avoiding the
masses is to shop online. According to
surveys conducted by public opinion
pollsters Rasmussen Reports and
BIGresearch, in 2010 nearly 64 percent of
American adults did at least a portion of
their shopping on the Web. Increasingly,
people of all ages are opting to shop online
not only to find better prices, but because
purchasing via the Internet is convenient,
fast and enables consumers to perform
quick and accurate product and price
comparisons. And with so many online
retailers offering free shipping during the
holiday season, many consumers see little
reason to step inside a brick-and-mortar
establishment.
However, even diehard e-shoppers
recognize that there is something to be
said for choosing a gift on site and in
person; for taking the time to see and
touch an object to determine its suitability.
Whether youre heading out in search of a
dazzling diamond or a set of new
dishtowels, here are some tips for avoiding
shopping crowds:
Shop all year round. Its harder to
sidestep the throngs of holiday shoppers
during the peak season between October
and late December. By picking up gifts
throughout the year, you can take
advantage of sales and avoid full parking
lots and long lines. Whats more, year-
round holiday shopping means that your
gift budget gets spread out over the course
of an entire year rather than a few short
months.
Shop when the crowds are elsewhere.
The busiest holiday shopping periods are
in the late afternoon or early evening and,
of course, on weekends. If you can shop at
lunchtime or take a few hours off during the
workday, chances are good that stores will
be far less crowded. Other good times to
shop are during popular televised sporting
events or television shows.
Shop with purpose. If you know what
youre shopping for and have a good idea
where to get it, theres a greater likelihood
that you can get in and out of the store
quickly and without blowing your budget
on unnecessary items that catch your eye.
Holiday Shopping
MINUS THE
CROWDS
Best Upscale Salon in the Eastern Panhandle
Stop By & See Our
Master Hair Stylist
Ted & See What
He Can Do For You!
with Ted Only!
$
5
00
OFF
First New
Clients Only!
Wishing You
Happy Holidays
from Ted
COUPON COUPON
183 Monroe St. Berkeley Plaza, Martinsburg
Hours: Tuesday-Friday: 10am-6pm
Saturday: 10am-2pm
304-263-5966
2330 WINCHESTER AVE.
MARTINSBURG, WV 25405
Let
Carpet
World
Help You
Spruce Up Your Home
For The Holidays!
304-263-6957
12 Months Interest Free
Financing Available
- FREE ESTIMATES -
In 2010 nearly
64%
OF AMERICAN
ADULTS DID AT
LEAST A PORTION
OF THEIR SHOPPING
ON THE WEB
Ways to create
NEW HOLIDAY
TRADITIONS
Dont Forget, Dorsey Brothers Has Been
Sanding & Refinishing Hardwood Floors For Over 46 Years.
6 Months No Interest Financing*
Other Options Available. *See store for details.
*with approved credit
LAMINATE
Legacy Laminate Floor
27 Yr. Warranty
$
1.99/sq.ft.
WOOD
Pre-Finished Wood
3/4 x 2-1/4
$
4.79/sq.ft.
15 Yr. Warranty
CERAMIC TILE
Glazed Porcelain
12x12 -
$
1.89/sq.ft.
18x18 -
$
1.99/sq.ft.
CARPET
Stain Proof Berber
10 Colors - $1.39/sq.ft.
$
2
00
OFF
Any Purchase of
$
25 or More!
With coupon only One coupon per purchase
Not Valid with any other offer
617 West King Street Martinsburg
304.262.4300
Open 7 Days A Week
Hours: Mon-Thurs 10-5
Fri & Sat 10-5:30, Sun 10-5
Sportswear & Accessories
- WVU, Redskins, Steelers -
Country Dcor
Civil War Prints and Collectors Items
5000 Sq. Feet of treasures
Art: Largest Selection of Framed Art in the area
Father Time Clocks & Repairs
WV Gifts Boyds Bears
Gourmet Jellies, Jams & Dips
Solid Oak Furniture and much more!
Much of what makes the holiday season
so special is the traditions that people
hold dear. While families have traditions
that stretch back decades, there is plenty
of opportunity to embrace new means of
celebration to breathe new life into
Christmas, Chanukkah or the season's
other holidays.
Chances are you're already hanging
stockings or going caroling this year. You
can add some of these and modify as
they fit for your family.
Feed the wildlife. During the cold days
of winter, birds and small animals that
don't hibernate may find it difficult to
forage for food. By trimming an outdoor
pine tree in edible snacks you'll have a
beautiful tree and one that benefits the
wildlife as well. String peanuts and other
nuts for the squirrels. Make little
ornaments out of suet and string for the
birds. Berries and corn can be enjoyed
by all. Be sure to choose a tree that is far
enough away from the home, so you
don't have too many scavengers hunting
and pecking around the house.
"Adopt" a child for holiday gifts.
Each year you can bring a smile to a
child in need by purchasing a present for
an underprivileged kid. Some post
offices sponsor "Letters from Santa"
events where participants can respond to
one of the thousands of letters mailed to
The North Pole. Or work with a local
charity that organizes events to bring
gifts to children in hospitals or in foster
care.
Bring some joy to a public servant.
Police officers, firefighters, military
personnel ... many of these workers do
not get off for the holidays. There are a
certain number of public servants who
must remain on call in the event of an
emergency. Treat these people to
something enjoyable when they may be
missing their own festivities. Cook or
cater a meal for a fire house, deliver
cookies to the police station or put
together care packages for people living
on a military base.
304-820-1023
9405 Williamsport Pike Falling Waters
(Next to Special Moments Florist)
www.hairitiswv.com
FREE GIFT
CARD
with purchase of any service
Call or Stop In
For Details
Offer good til Dec. 31, 2011
L.A. R OBERTS J EWELERS
146 N. Queen Street Martinsburg, WV
304-267-8061
COLLEGIATE BEADS
Solid Sterling Silver
Officially Licensed
Fits All Major Bracelet Lines

$
49 to
$
59
* Many are also available
in enameled colors
Also Sorority Beads and
Military Beads
Place Your Order Today For Holiday Delivery
Traveling during the holiday season
is a mixed blessing. School vacations
and time off from work provide great
opportunities to spend a White
Christmas with faraway family and friends
or sneak in an end-of-year getaway via
The Polar Express. At the same time,
holiday travel can be both expensive and
stressful. While its all but impossible to
avoid the costs and crowds completely,
with these time-honored travel strategies,
travelers can prevent The Nightmare
Before Christmas and find yourself
uttering, Its a Wonderful Life.
Book now, go later. The first rule of
thumb for holiday travel is to make travel
plans as far in advance as possible. By
booking months ahead of your departure
date, you can lock in lower airfares and
seat assignments. For Christmas travel,
make every effort to purchase tickets by
early October.
Go off-peak. Weekend travel, which often
includes Fridays and Mondays, is almost
always more expensive than travel during
the week. If possible, schedule both
departing and returning flights for
Tuesday, Wednesday and Thursday.
Timing is everything. Typically, there is
less demand for the first and last flights of
the day, which means less competition for
seats and the possibility of lower fares. If
you can fly on the big day itself, even
better. While you may be able to snag
great deals on Thanksgiving or Christmas
day flights, January 1st tends to be a
more popular travel day. Another option?
Plan your trip for the week between
Christmas and New Years, when many
travelers have already settled in their
destinations.
Be flexible. If you know you want to get
away, but arent sure where to go, let
availability and price be your guide. And
dont forget to check flights to and from
alternate airports. For example, you may
be able to save on a flight to San
Francisco by flying into San Jose. And
when heading to the New York City area,
flights to LaGuardia and JFK might be
less expensive than those bound for
Newark.
Mix and match. Great deals can be had
by using different carriers for incoming
and outgoing flights or by booking two
one-way flights rather than a round-trip.
By checking a variety of sites including
both individual airlines and aggregator
sites such as kayak.com and
bookingbuddy.com, which search several
different travel sites simultaneously you
can rest assured that you got the best
available prices and flights. In addition, by
booking flights, hotels and rental cars
through the same travel site, be it a single
site or a travel aggregator, you may be
able to score even better deals.
Dont dodge the details. These days,
airlines are once again charging
passengers for a variety of items that
were once included in their posted
airfares. Be sure to note whether a
published airfare includes all taxes and
fees and check each carriers baggage
policy. And when reviewing airfares, make
sure that you are comparing apples to
apples. In other words, be certain that the
two airfares both include or exclude taxes,
fees and baggage charges, snacks, and
things like upgrade fees for additional
legroom.
Do delay! Sometimes waiting until the
eleventh hour isnt such a bad idea,
especially when last-minute fares can
save you money or open the door to a
spur-of-the-moment vacation.
Flying late evening or
during the week are
strategies for saving
money and preventing
holiday travel stress.
Six strategies for
TRANQUIL
HOLIDAY
TRAVEL
Tis the season for
ONLINE
HOLIDAY
SCAMS
AND CONS
It is sad but true: As the holiday
season heats up, so do the
number of scams and cons
perpetrated on unsuspecting
consumers. While swindlers,
thieves and pickpockets operate
year-round, the period from
November to January offers
criminals more opportunities for
wrongdoing and a population of
prospective targets who are
feeling generous and
preoccupied with the demands
and doings of the holiday
season.
Consumers can avoid being
victimized this season by being
both wary and aware of the
types of holiday scams that are
out there. According to
ConsumerAffairs.com, some of
the most common online cons
include:
Charity phishing scams.
During the holiday season,
computer hackers prey on
peoples generosity by sending
what appear to be legitimate e-
mails seeking donations to
legitimate charities. However,
these cybercriminals use fake
Web sites with the purpose of
stealing not only donations, but
donors identities and credit card
information. What to do: Ignore
and immediately delete e-mails
asking for donations and
personal information. Make
charitable donations directly to
organizations you know and
trust.
Fake delivery invoices. The
rise of Internet shopping has
opened the doors to scams
involving fake invoices and
delivery notices from services
such as FedEx, UPS or even the
U.S. Customs Service.
Cybercriminals e-mail
consumers requesting credit
card information to credit the
bank account or inform users
that they have to open an online
invoice or U.S. customs form in
order to receive their package.
This is actually a way for
criminals to install malware
software that is intended to
damage or disable computers
and computer systems and
steal personal information. What
to do: Track online purchases
carefully and know what items
are en route at any given time.
Internet retailers will inform you
when an item has shipped, but
delivery services and U.S.
Customs do not issue online
invoices.
Social networking and holiday
e-card scams. The holiday
season is a social time of year
when cybercriminals seize
opportunities to steal personal
information through social
network friend requests and
bogus holiday e-cards. What to
do: If you receive a friend
request or e-card from someone
you dont know and have never
heard of, dont click on the link.
Identity theft from public
computers and open
networks. With millions of
online holiday transactions
speeding through cyberspace,
cyberthieves are in hacker
heaven. What to do: To ensure
that your personal information is
safe from the spying eyes of
hackers, shop only on secure
Web sites and never make
financial transactions from a
public computer or an open WI-
Fi connection.
The bottom line: The holiday
season is when cybercriminals
go into high gear, so be aware of
any e-mail that looks fishy or
requests personal information. If
youre unsure, the best bet is to
delete the e-mail and contact the
Better Business Bureau online
at www.bbb.org or the U.S.
Department of Justice at
www.cybercrime.gov.
CANDLELIGHT
REMEMBRANCE SERVICE
HEDGESVILLE HIGH SCHOOL BAND HEDGESVILLE HIGH SCHOOL BAND HEDGESVILLE HIGH SCHOOL BAND
and and and
ROSEDALE FUNERAL HOME & CEMETERY ROSEDALE FUNERAL HOME & CEMETERY ROSEDALE FUNERAL HOME & CEMETERY
I would like to make a donation:
In memory of or in tribute to:_________________________
General donation Donation Amount_________
Name:_____________________ Phone #:______________________
Address:_____________City:_____________ State:____ Zip:______
Garden and space, if known:_________________________________
Donations must be received by December 7, 2011 in time to prepare for the service
Invite you to join your neighbors, family and friends for our Invite you to join your neighbors, family and friends for our
Sixth Annual Christmas Luminary Service Saturday, December 10, 2011 Sixth Annual Christmas Luminary Service Saturday, December 10, 2011
at 5:30 P.M. (Rain date: Saturday, Dec 17, 2011) at 5:30 P.M. (Rain date: Saturday, Dec 17, 2011)
Several thousand candles will be placed throughout the Cemetery
at all entrances, features and drives. The candles will be lit at dusk and the
Hedgesville High School Band will bring us the sounds of the season as we all enjoy
their performances of delightful Christmas Carols. All are invited to witness the beautiful
transformation of our Cemetery into a warm and glowing tribute to those who cannot be
with us, and to those who are serving in our military.
If you would like a luminary placed on your loved ones grave, please stop in at
our funeral home office and make a donation. If you do not have a loved one at
Rosedale, you may make a donation to have a candle provided in their memory
in an area dedicated for them. We will have a special tribute section for
families that have loved ones in military or overseas. Donations received will
be given to the Hedgesville High School Band for their hard work. Please come
in and make a donation to have the candle placed on your loved ones grave on
December 10, 2011. Please make your checks payable to Hedgesville High
School Band. Only graves marked with a donation flag will have a candle
placed on them. Help us spread the joyful word of this service by sharing this
information with your family, friends and neighbors.
All applications will be submitted for a $100 gift card drawing!
Help us spread the joyful word of this service by sharing this information
with your family, friends and neighbors. Please mail or bring this
information with your donation to:
Rosedale Funeral Home & Cemetery
917 Cemetery Road, Martinsburg, WV 25404
(304) 263-4922
Joseph R. Spewock, Licensee-in-Charge
PROTECT AGAINST
MAIL THEFT THIS
HOLIDAY SEASON
Todays families are more geographically
diverse than ever before. When todays
young adults leave the nest, their new
nest is almost as likely to be across the
country as it is down the street.
That reality means getting holiday gifts in
the right hands takes more than just a gift
tag and a place under the tree. Many
families rely on the mail when sending
holiday gifts, especially if sending cards
and/or money. But the holiday season
requires more careful attention when
sending mail. Thats because of mail theft,
a crime of opportunity in which thieves
steal incoming or outgoing mail. Because
so many people use the mail to send
cash, checks and gift cards to love ones
during the holidays, thieves know this is
an opportune time to steal the mail. But
there are steps individuals can take to
protect themselves from mail theft while
ensuring their generous gifts end up in
the right persons hands.
Get a lock for your mailbox. Many
people use their mailbox for both
incoming and outgoing mail. While this is
convenient, its also risky if the mailbox
doesnt lock. An unlocked mailbox is an
open invitation for thieves to thumb
through your mail, looking for anything
that might contain cash, a check or a gift
card. An unlocked mailbox also allows
criminals to get into your mailbox and
steal mail such as bank statements,
which can increase the risk of identity
theft. Though a locked mailbox isnt
guaranteed to keep thieves away, it does
make their job more difficult, and most
thieves prefer to be discreet and not fiddle
with a locked mailbox.
Be careful when writing checks. Most
people are savvy enough to avoid writing
checks in pencil. But even ink can be
erased. Mail thieves who steal checks can
rather easily wash these checks, using
run-of-the-mill household cleaning
products to erase all but the signature on
the check. This leaves a signed, yet
otherwise blank check for thieves. When
buying pens, buy only those that say they
come with check-safe ink. Thieves cant
remove check-safe ink, which is used in
most fountain pens. Also, when writing
checks, never leave any lines blank. Be
sure to include something in the memo.
This means thieves wont be able to fill in
their own memo and make it easier to
perpetuate their fraud.
Bring packages with checks or cash to
the post office. Its never ideal to send
cash through the mail, but if you must be
sure to bring these packages directly to
the post office instead of dropping them
off at neighborhood mailboxes. This
reduces the risk of mail theft significantly.
Dont let the mail pile up. Thieves who
see mail pouring out of a mailbox may
find this as an open invitation to take the
contents of that mailbox, and possibly
even break into your home. An
overstuffed mailbox indicates an empty to
home to thieves, so theres little risk of
being seen if they steal your mail. In
addition, if thieves think you arent home,
theyre more likely to break into your
home. Pick up your mail on a daily basis,
and if you need to leave town arrange for
someone you trust be it a neighbor,
friend or relative to pick up your mail
for you. If no one is available, ask the post
office to stop delivering your mail while
youre away.
The holidays are a season of generosity,
but criminals prey on that generosity in a
number of ways, including mail theft. A
few simple steps can greatly reduce your
risk of being victimized by this often
overlooked crime.
Only using a mailbox with a lock
on it is one way men and women
can protect themselves against
mail theft.
~ Thousands of stock designs to choose from ~ Custom Designs Available
It Not Too Late
To Order Your
Holiday
Greeting Cards!
Printing-Impressions.com 304.267.7327
68 Reliance Road, Martinsburg, WV 25403 fax: 304.267.8411
Tues-Thurs 11- 6
Fri 11-7 Sat 9: 30- 4
998 Arden-Nollville Road
Inwood, WV 25428 (304) 229-7064
Authorized Dealer of:
Mathews - Mission - Hoyt - Parker - Bear
Non-Stocking Dealer of Martin and Elite ~ Layaway & Gift Certificates Are Available!
Holiday Homecooking!
D&D MEATS D&D MEATS
Inwood East Shopping Plaza Rt. 51
304.229.5164 304.229.5164
Holiday Hours:
Sun., Dec. 18: 10am-2pm Wed., Dec. 21: 10am-6pm
Sat., Dec 24: 8am-Noon
Dec. 19 - Dec. 20 - Dec. 22 - Dec 23: 10am-6pm
Mon. Tues. Thurs. Fri.
Whole Sugar Cured Country Ham . . . . $2.69/lb.
Whole Country Hams (Cooked & Sliced) . . . $3.99/lb.
Country Ham (From Deli) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $9.99/lb.
Spiral Cut Hams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3.59/lb.
Mashs Hams Half............$2.89/lb. Mashs Hams Whole............$2.79/lb.
Crown Pork Roast . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.99/lb.
Gift Certificates Available
Hardware Store
The
304.260.5744
159 Eagle School Rd. Mtsbg
Beside Golds Gym
3 Year Manufacturers Warranty IR Remote Control Elec Thermo: Range 50
o
to 90
o
Push Button Controls IR Remote Heats up to 1000 sq. ft
Caster Wheels Washable Lifetime Filter
We Also Have Pellet Stoves &
Lingnetics Pellet Fuel In Stock Now!
The EdenPURE GEN3 1000 is a tremendous value for heating your
home, covering up to 1000 sq. ft. with safe, efficient heating.
Bob & Pat Davis
P.O. Box 577
Falling Waters West Virginia 25419
B OB D AVIS H OME
I MPROVEMENT C O .
304-274-0142 OR TOLL FREE 877-274-0150
From
& Staff
Come the holiday season, most people
find themselves in a giving mood. Gifting
friends, family and even coworkers is
common, but there are many other people
in our daily lives who societal norms
suggest deserve a gift as well.
Holiday tipping is more common in certain
areas than others, but there are a few
questions men and women can ask
themselves when trying to decide if a
person in their lives deserves a holiday tip
or gift.
How often do you
see the person?
How frequently you see a person can help
determine if that person deserves a
holiday gift or tip. For example, a childs
babysitter or nanny deserves a little
something extra come the holidays
because you likely see that person on a
regular basis. The same goes for the
postman or a dog walker. Men and women
you rarely see or rarely need do not
warrant a tip or gift.
Tipping point
WHO TO TIP
DURING
THE
HOLIDAYS
Garages Farm Buildings
Commercial Equine
Excellence
Since 1903
Call Us Today!
717-624-3331
www.mortonbuildings.com
For over 100 years, Morton
Buildings has provided
quality and service to people
looking for an attractive,
long-lasting building.
3368 York Road
Gettysburg, PA 17325
GIFT IDEAS Honda:
Snow Plows Clothing Winches
Gloves Helmets Chrome
Covers Etc..... Gift Certificates
304-258-2282
90 Good Times Drive
(Just off Rt. 522), Berkeley Springs
Mon.-Fri. 9am-6pm Sat. 9am-3pm
Ridersville
Ridersville
Honda
Honda
CALL TODAY AND ASK FOR SANTAS SPECIAL PRICE!!
honda.com ALWAYS WEAR A HELMET, EYE PROTECTION AND PROTECTIVE
CLOTHING. NEVER RIDE UNDER THE INFLUENCE OF DRUGS OR ALCOHOL,
AND NEVER USE THE STREET AS A RACETRACK. OBEY THE LAWAND READ
YOUR OWNERS MANUAL THOROUGHLY. 1.99% Fixed APR financing
available for customers who qualify for super preferred credit tier for up to 36
months through Honda Financial Services. Payment example: 36 monthly
payments of $28.64 for each $1,000 financed. Offer good on new and
unregistered 2012 Gold Wing models. Not all buyers may qualify. Higher rates
apply for buyers with lower credit r atings. Offer ends 12/31/11. Check with
participating Honda Dealers for complete details. For rider training information
or to locate a rider training course near you, call the Motorcycle Safety
Foundation at 1-800-446-9227. Gold Wing is a trademark of Honda Motor
Co., Ltd. 2011 American Honda Motor Co., Inc. (11/11) 12-1182
honda.com UTILITY ATVs ARE RECOMMENDED ONLY FOR RIDERS 16
YEARS OF AGE AND OLDER. BE A RESPONSIBLE RIDER. ALWAYS WEAR A
HELMET, EYE PROTECTION AND PROTECTIVE CLOTHING, AND PLEASE
RESPECT THE ENVIRONMENT. OBEY THE LAW AND READ YOUR OWNERS
MANUAL THOROUGHLY. 1.99% Fixed APR financing available for customers
who qualify for super preferred credit tier for up to 36 months through Honda
Financial Services. Payment example: 36 monthly payments of $28.64 for each
$1,000 financed. Offer good on all new and unregistered FourTrax Rancher AT
models. Not all buyers may qualify. Higher rates apply for buyers with lower
credit ratings. Offer ends 12/31/11 . $300 Bonus Bucks valid on 2012 and prior
TRX420FA/FPA models. Bonus Bucks redeemable only for purchases at dealer
on purchase date. No cash value. Non-transferable. Redemption value is not to
exceed $300. Offer ends 12/31/11. Check with participating Honda Dealers for
complete details. FourTrax and Ranc her are trademarks of Honda Motor
Co., Ltd. 2011 American Honda Motor Co., Inc. (11/11) 12-1102
THE INFLUENCE OF DRUGS OR ALCOHOL, AND NEVER USE THE STREET AS
A RACETRACK. OBEY THE LAW AND READ YOUR OWNERS MANUAL
THOROUGHLY. 2.99%Fixed APR financing available for customers who qualify
for super preferred credit tier for up to 36 months through Honda Financial
Services. Payment example: 36 monthly payments of $29.08 for each $1,000
financed. Offer good on all new and unregistered CBR600RR/RA models. Not all
buyers may qualify. Higher rates apply for buyers with lower credit ratings. Offer
ends 12/31/11. Check with participating Honda Dealers fo r complete details.
CBRis a trademark of Honda Motor Co., Ltd. 2011 American Honda Motor
Co., Inc. (11/11) 12-1120
Where do you live?
Where a person lives also goes a long way
toward determining a holiday tip or gift.
People who live in apartments should
show their appreciation to the doorman
and building superintendent with a tip or
gift. Homeowners need not tip their local
handyman, however, even if he performs
the same tasks as a building
superintendent. Homeowners tend to do
more of their own fix-ups around the
house, while apartment dwellers often rely
on the super to keep their apartment in tip-
top shape.
Is the person a
professional?
Men and women who provide professional
services, such as accountants, lawyers
and doctors, do not warrant a tip during the
holidays. These professionals are already
paid handsomely for their services, and
many might even gift their customers. For
those who have an especially strong
relationship with their accountant, lawyer,
etc., perhaps a gift such as a bottle of wine
might be a nice gesture. But its certainly
not mandatory.
Did the person go
above and beyond?
Of course, there are no ironclad rules
when it comes to tipping or gifting others
during the holidays. For example, many
people dont find it necessary to tip their
auto mechanic come the holidays for the
same reasons you wouldnt tip an attorney.
Both are already well compensated, and
an extra tip is not necessary. However, if
your auto mechanic saved your car from
the scrap heap or provided service that is
above and beyond what you have a right to
expect, then perhaps a tip or a thoughtful
gift is in order.
When the holiday season arrives,
generosity often reigns. But men and
women should not feel obligated to tip or
gift every person in their lives.
Great gifts are
great for a
multitude of
reasons, but bad
gifts tend to have a
lot in common. The
worst gifts are not
only a poor fit with the
recipients personality,
lifestyle or interests, but also send a
negative or critical message. Just plain
bad gifts tend to fall into three categories:
The useless, the thoughtless and the
tasteless. And while the lists of awful
items for men and women may be
different, they nevertheless fall into one
of these diagnostic categories.
If youre considering purchasing gifts in
any of the following four categories for
the man or men in your life, think again.
Clothing: While this sounds innocent
enough, when the clothes dont match a
mans style, it can be construed as a
suggestion that you dont like what he
wears or want him to up his fashion
game. If you dont have a clue about
what the men in your life actually like and
will wear, make another choice.
Household bric-a-brac or decorative
elements: Items in this category include
everything from a new dish rack to artsy
dcor items. Such items might send a
negative message similar to new clothes,
and many men are territorial about their
homes and resist outside (i.e., female)
advice on decorating. So unless you
know exactly what he wants or needs, go
back to the drawing board.
Sentimental items: What a woman
might call sweet, a man might want to
store in the trash can. If youre tempted
to get your husband or boyfriend that
cute teddy bear that reminds you of him,
or flannel pajamas printed with those
same teddy bears, forget it. And
forget the book of syrupy love
poetry, romantic movies or T-
shirts with sappy sayings. Hell
be glad you did.
Psychology or self-help
materials in any form or
format: This is perhaps the
biggest no-no of them all and
sends the biggest Youre not
okay message. So if youre
tempted to buy your guy a
book about improving
communication skills, finding
a better job or making better
use of time, dont. Enough
said.
When gifting women, we should also
avoid certain gifts.
Appliances: For most women,
household appliances fall under the
heading of need rather than want,
unless it is a specialty item that youre
certain she has been yearning for.
Lingerie: The principle here is similar to
why clothes are a bad idea for guys, but
can lead to far more disastrous
outcomes. Many men dont realize that a
gift of lingerie is often accompanied by
an unintended message. If its too small,
she needs to lose weight. If its too big,
you think shes fat. If its too racy, you
dont think shes sexy. And if its too plain,
you dont think shes sexy.
Simply stated, unless you know the
exact size and type of lingerie she favors
or want to ruin any chances of peace on
earth during your holiday season, move
on.
Jewelry: Here again, unless you know
exactly what the woman in your life
wants, skip it. Not only is jewelry
something that women prefer to choose
for themselves, it can send a message
(i.e., overly romantic or not romantic
enough) that men dont realize theyre
sending.
Gym membership/fitness equipment:
The big no-no. Under no circumstances
is it wise to present the woman in your
life with a gift whose underlying message
is Lose weight or Shape up. The all-
time worst gift for women? A bathroom
scale.
Gifts
from bad to worst
311 W. Washington St. Charles Town 304-725-7549
2013 S. Loudoun St. Winchester 540-665-0683
47 Catoctin Cir SE Leesburg 703-443-6888
We carry name brand clothing size newborn
thru juniors, maternity, Including
Christmas dresses and occasion wear
Books, DVDs and...
TOYS, TOYS, TOYS...for LESS!
Why pay retail?
Present this ad before
checkout for
20%
all reg. priced items
A Little Something
For Everyone!
The Gift That Makes
Good Things Happen!
McDonalds

Gift Certificates and Gift Cards
I-81/Apple Harvest Drive - Martinsburg
Eagle School Road - Martinsburg
WalMart of Martinsburg
Friends, the Advent and Christmas Season is a time for lifting up our voices
in joyous songs of adoration and praise. Please come worship with us at
Falling Waters Presbyterian Church this season and share the warmth of
friends, family and Christmas fellowship. If you are looking for a friendly church, please consider worshipping
with us at Falling Waters Presbyterian Church this Advent and Christmas Season. For more informatio n about any
of our services or activities, please phone the church office at 304-754-8211.
2011 Advent & Christmas Worship & Activity Schedule 2011 Advent & Christmas Worship & Activity Schedule 2011 Advent & Christmas Worship & Activity Schedule
Falling Waters Falling Waters Falling Waters
Presbyterian Church Presbyterian Church Presbyterian Church
2928 Hammonds Mill Road 2928 Hammonds Mill Road 2928 Hammonds Mill Road
Hedgesville, WV 25427 Hedgesville, WV 25427 Hedgesville, WV 25427
304-754-8211 www.fwpc.info 304-754-8211 www.fwpc.info 304-754-8211 www.fwpc.info
First Sunday of Advent
November 27 - 9:00am - Church School 10:00am - Morning Worship, Lighting of theAdvent Candle
11:00am - Fellowship Dinner
Second Sunday of Advent
December 4 - 9:00am - Church School
10:00am - Morning Worship, Lighting of the Advent Candle Hanging of the Greens Service 11:00am - Fellowship Hour
Third Sunday of Advent
December 11 - 9:00am - Church School
10:00am - Morning Worship, Lighting of the Advent Candle, Childrens Christmas Pageant 11:00am - F ellowship Dinner
Fourth Sunday of Advent
December 18 - 9:00am - Church School 10:00am Morning Worship and Lighting of the Advent Candle
11:00am - Fellowship Hour
7:00pm - Christmas Cantata Lead Me Back to Bethlehem Words and Music by: Pepper Choplin
Presented by: Falling Waters Presbyterian Church Adult Choir Consisting of Thirty Singers an d Accompanists
A Nursery will be provided Reception to follow.
Christmas Eve - December 24 -11:00pm - Candlelight Christmas Eve Service of Lessons and Carols, Communion
Christmas - December 25 - 11:00 a.m. Morning Worship
Welcome
Open Christmas
Day at 5PM
Lazer Bowling Sat.
11:30PM-2AM
PIKESIDE BOWL
304-267-2042
3485 Winchester Ave.
Martinsburg, WV
WHERE THE FUN BEGINS.
Happy Holidays
from Pikeside Bowl!
Give That Special Gift To
The Bowler In Your Life...
Gift Certificates For
Bowling Equipment, Ten Pin or
Duck Pin, Balls, Bags, Shoes, Accessories
Gift Cards For
Games of Bowling
Give Them a Night Of Bowling
Survive holiday
shopping with
KIDS IN TOW
Tackling a holiday gift list particularly at the peak of the
season can be stressful even for enthusiastic
shoppers. But bringing kids along for the ride can be
enough to inspire the most passionate purchasers to
forsake shopping at least brick-and-mortar shopping
forever. While leaving the kids behind may be optimal,
here are some surefire strategies for surviving your next
consumer outing with little ones in tow.
Prepare in advance. When it comes to shopping with
kids, a little preparation goes a long way. If at all possible,
choose a destination that offers some form of childrens
entertainment, such as a play area or interactive display.
Before you leave home, let kids know what you will be
doing and your expectations of them during the process.
While you may need to repeat the information several
times during the outing, take a few minutes before leaving
to emphasize that gift shopping means buying things for
others.
Bring appropriate toys. Pack a bag with a variety of toys
and books that will keep your children occupied whether
they are walking or in a stroller. Leave toys that come
apart, cant be carried or are intended for outdoor use at
home. And dont forget your childs sleep time comfort
item. A nap might be your best opportunity to cross a lot
of gifts off your list.
Have nutritious snacks and drinks at the ready. Take
along some water or milk and snacks such as raisins, fruit
and carrots that will both satisfy kids taste buds and keep
them occupied.
Play games. At the start of your shopping adventure, give
your children a series of challenges that will keep them
busy and engaged. Kids who love to count will enjoy
tracking the number of a particular item they spy as you
shop and emerging readers will have fun scouting letters
and words. Older children can be given more
sophisticated challenges, such as tracking and totaling
the cost of purchases or figuring out how much items will
cost when a discount has been applied.
Let kids contribute. Take some of the sting out of being
dragged from store to store by inviting your children to
help make some of the days decisions. Would Aunt
Nancy like the blue scarf or the red scarf? Should we
have sandwiches or pizza for lunch?
A note about safety: Safety is a big concern when
shopping with children in crowded malls or stores. Make
sure that older kids know what to do and where to meet if
you become separated. If younger children will be walking
with you, write your cell phone number on a small piece of
paper to be placed in their pockets or attached to the
insides of their jackets. And remember, always
accompany children into restrooms and keep an eye on
them while inside.
Throw a successful OFFICE PARTY
Beauty Supply
International
Para Latinas y Latinos
1347 Edwin Miller Blvd Martinsburg, WV
(304) 264-8147
(Old Courthouse Square Next to Main Post Office Exit 16E off 81)
Don t Forget
to Stock up on
Stocking
Stuffers
Your Christmas
Shopping Headquarters
Come Shop Our HUGE Selection of:
Hair & Wigs In ALL Colors & Lengths
Hair Care Products Mens Wigs & Toupes
Specializing in Wigs for Chemotherapy Patients
Winter Boots, Hats & Scarves Jewelry Bags Shoes
Give the Gift of Fitness Gift Certificates Available
24-Hour Security Access Convenient Parking
Anywhere Club Access 24-Hour Tanning
Personal Training Cardio TVs
24-Hour Fitness on Request Zumba Fitness Classes
Private Restrooms & Showers Wellness Programs/Running Clubs
Weights Anytime Fitness Running Club Treadmills/Cardio Equipment
24/7 CLASSES
Stop By
or Call for
Details!
Martinsburgs leading 24 hour gym has all the right stuff! We are proud to now offer you 24/7 classe s...
Visit www.AnytimeFitness.com for a FREE 7 Day Trial Pass
776 Foxcroft Ave. Martinsburg WV 25401
(located directly behind the Outback Steakhouse)
Phone (304)262-0555
www.anytimefitness.com
Check Pattersons for That Special Gift! We Have Them!
The Special Fragrance That Always says Merry Christmas
also check our selection of:
Wallets and Billfolds
Curling Irons Hair Dryers
FREE
GIFT WRAPPING and DELIVERY CANDI ES

134 S Queen Street, Downtown Martinsburg 267-8903
Inwood Center 229-2929
PATTERSONS
DRUG STORES
We Have A
Great Selection Of
Christmas Cards!
See our Selection of Books Written
By Local Authors!
They Make Great Gifts!
Tresor CK Eternity Aramis Stetson
Design
Preferred
Stock
FOR HIM
Vera Wang Giorgio Norell Obsession
Tommy Girl White
Diamonds
Aqua di Gio Issey Mayake
Aspen
Ralph Lauren Betsy
Johnson
Pleasures
Curve
Nautica
Tommy Halston Z-14 English Leather
FOR HER
Plus Plus Plus
Many Many Many
Others! Others! Others!
Plus Plus Plus
Many Many Many
Others! Others! Others!
* Throw the party off-premises. Most
employees spend 8 to 10 hours a day at
their places of employment. Hosting a
party at the office, factory or place of
business can seem like just an
extension of the regular working day.
* Invite employees' spouses and
children. Opening up the invitation to
the family members means employees
won't need to feel torn about attending
the party or spending time at home.
* Leave little room for shop talk. Plan
a host of activities, from dancing to fun
trivia.
* Treat it like your own party.
Employers or the party planner can
greet guests by the door so they feel
immediately warm and welcomed.
* Remember food often makes the
bash. If money is an issue, make it a
pot luck theme where everyone gets to
bring one dish and then everyone
enjoys it buffet-style.
There is no denying that shopping online is
the quickest and easiest way to zip through
a holiday shopping list. With a few clicks
and keystrokes, its possible to have all of
your Christmas shopping done in no time.
But as many people have found out the
hard way purchasing via the Internet can
be risky business, especially during the
holiday season when shoppers are pressed
for time and make hasty decisions. While
identity theft and fraud can occur at any
time of the year, the holiday shopping
season leaves consumers particularly
vulnerable to hackers and identity thieves.
According to the Identity Theft Resource
Center, a San Diego-based nonprofit, there
are several important steps that consumers
should take to ensure that their online
transactions are conducted both safely and
securely. First and foremost, the ITRC
recommends that consumers shop only on
sites that use technology that encrypts
or encodes both your personal and
financial information before sending it for
payment processing. Encrypting sensitive
information makes it inaccessible to anyone
outside the system, and all of the Webs
major retailers secure customer data in this
manner. Nevertheless, its a good idea to
ensure that a shopping site is secure,
particularly if you have not made purchases
there in the past. Any page on a site that
asks for personal or financial information
will have a URL or Web address beginning
with https:// as opposed to the usual http://.
Shopping only on the sites of merchants
you know and trust is another critical
means of ensuring your online safety.
However, if you decide to order from a Web
site you have never patronized before, its a
good idea to spend a few minutes
investigating the site. For starters, reliable
Internet retailers always include a business
address and contact telephone number on
their sites, as well as information about site
security, their return and refund policies,
shipping practices and privacy policy. This
information should be easily located on the
Web site, often along the bottom of the
companys home page. If you cant find this
information or suspect that the business
might not be legitimate, contact the Better
Business Bureau or your states Attorney
Generals office to determine if there are
outstanding complaints against the
company.
Another critical step in securing your
personal and financial data is to provide
only the information necessary to complete
the transaction and no more. Social
Security numbers are not required to
complete an online purchase and
consumers should never provide this
information. Being asked to reveal sensitive
information, such as a Social Security
number, on a retail Web site is an
automatic red flag indicating that
something is not right. Your best bet? Close
your browser window and search for
another, reputable source for the item you
want.
Finally, whenever you shop online, its best
to pay with credit cards, which are
protected by the federal Fair Credit Billing
Act a law that entitles cardholders to
dispute charges made to their accounts.
Unfortunately, there is no other form of
payment that provides this type or level of
protection.
The good news? Once you are assured
that a site is secure and the retailer is
reputable, shop away. Chances are good
that youll not only save time, but money
and energy as well.
Even Santa needs to ensure
the Web sites he uses for
Christmas shopping are secure.
Golf Toys for
Big Boys!
(Let him pick it out.)
Clubs,
Clothes
or once
around
the Course.
Mountain Lake Road
Hedgesville, WV
304-754-7977
TheWoods.com

SHOTS
REQUIRED
M-F 8-5:30; Sat. 8-4:30; Sun. 9-10 AM
304-264-4647
202 Old Mill Rd., Martinsburg
Walk-ins
Welcome
Mon. - Thurs.
Before 11am
Let Us Lather Up Your Pup!
POSH PET KENNEL
NOT HOME FOR NOT HOME FOR
THE HOLIDAYS? THE HOLIDAYS?
3 Groomers Available
Make Your Appointment Today!
Grooming Appointments Available
Monday - Saturday
Your furry friend will be
at home with us!
Make Boarding Accommodations
Today for Christmas
Secure
your identity
WHEN
SHOPPING
ONLINE
VISIT US ON THE WEB AT WWW.PARSONSKIAOFWINCHESTER.COM
540-667-8400
800-490-4447
2525 Valley Avenue,
Winchester, Va. 22601
Bring This Ad
For An Additional
$
500
00
OFF
$
500
00
OFF
Any New or Used Car In Stock
(present ad prior to test drive)
We
Are A
Location
2012 Kia Sorento
2012 Kia
Optima
2012
Kia Soul
*On Select In Stock Models. Parsons Kia and the Buyers Guide are not responsible for typographical e rrors. Ad must be brought in prior to sale. Sale price not valid after purchase. See Dealer for Det ails. Prices include all rebates, owner loyalty or competitive rebates and KIA financial incentives for
qualified buyers with KMF 506 program. Prices do not include taxes, tags, freight, a $199 processing fee.
$
18,639
$
23,815
$
19,625
N
E
W
!
N
E
W
!
N
E
W
!

Credit Crunch: Go Online To View This Section!

Uploaded by

Document Informationclick to expand document information

Copyright:

Available Formats

Credit Crunch: Go Online To View This Section!

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Credit Crunch: Go Online To View This Section!

Uploaded by

Copyright:

Available Formats

November 2011

a special supplement to Buyers Guide

You might also like