Save Smarter

Is Your Family Prepared for a Disaster? 

Being disaster-ready is easy. Follow our few simple tips.

Presented by Member One Federal Credit Union

From tornadoes to house fires and floods—all are disasters that can devastate our lives. If you’re ever in one of these situations, the last thing you want to be doing is picking up the disorganized pieces when a little preparation could have helped alleviate some of the chaos. Hopefully you’ll never experience a disaster, but if you do, our tips on what to collect and how to keep important documents safe could help put your mind at ease if the unexpected happens. 

Collect key documents. This includes personal identification for everyone in your household such as birth certificates, social security cards, passports, and pet identification tags. Also gather insurance policy numbers and the insurance company contact information for each type of coverage. You’ll also want to store a copy of property records like deeds and mortgage documents, medical information including prescriptions, estate-planning documents, and legal and financial records including taxes from the past few years. Record contact information for family and friends in case you don’t have access to your cell phone and need to reach out for help. 

Invest in storage. Select a way to store the items that’s easy to grab in a hurry. Options include a fireproof and waterproof safe, a binder with sleeves to hold all documents, or a safety deposit box at your local financial institution. You could also opt to store everything electronically on, for example, a memory stick, external hard drive, or the cloud. It may be wise to combine a few options—a safe for paper documents plus an electronic storage option. Whatever you choose, place it somewhere that can be quickly and easily grabbed as you head out the door. 

Take inventory of your possessions. This is especially helpful if you need to file an insurance claim. Go through your home, room by room, and record your belongings. Make note of household valuables, such as jewelry, antiques, or collectibles, and write down their worth. Take photos or videos of your home’s contents so you have proof of your possessions. Store your inventory list and photos or videos with your other important documents. 

Set money aside. If a disaster impacts your whole community, it’s likely that your local financial institution could be affected as well, making it difficult to access your money. Additionally, merchants may not have electricity, making a quick swipe of your debit or credit card impossible. Set aside enough cash to cover essentials for a couple of days, which might include a few nights in a hotel, food and water, and basic amenities like clothing. 

Join Member One here each month for more money-saving tips and financial advice! Be sure to visit their website, www.memberonefcu.com, for more info on their products and services. Member One Federal Credit Union is federally insured by the National Credit Union Administration. 

Shop & Save

BJ’s Wholesale is coming to Roanoke!

Being the bargain shoppers we are, finding out BJ’s Wholesale is coming to the Roanoke Valley made us jump for joy! BJ’s is a leading membership warehouse club in the Eastern United States. The Roanoke club will be located along Hershberger Road, N.W. in the Crossroads Shopping Center. 

“We’re thrilled to bring BJ’s Wholesale Club to the community and to let families save up to 25% on their groceries,” said Chris Baldwin, president and CEO, BJ’s Wholesale Club. “BJ’s is the perfect one-stop shopping destination, offering unbeatable value and quality on a wide selection of items from fresh produce, deli and bakery to the latest in tech, health and beauty and apparel.” 

The Roanoke BJ’s Wholesale Club is scheduled to open this fall and will provide affordable fresh food options to the community, saving families 25 percent compared to grocery store prices. The club will feature a BJ’s gas station, offering members even more savings. The company currently operates over 210 Clubs (and counting!) in 16 states from Maine to Florida and employs more than 25,000 Team Members. So, their reputation alone means we can’t wait to check out all they offer. 

So, just how can you sign up to join NOW? Visit their Hospitality Center, located at 1507 Hershberger Road in Roanoke or visit their website at www.bjs. com/roanoke. Currently you can enjoy the privileges of being a “Roanoke Founding Member” with two special offers when you join by August 31. For $45, you’ll receive a 12-month BJ’s Inner Circle membership, 10 cents off per gallon at BJ’s Gas for six months after the Club opens and $20 in BJ’s Bucks. Or for $80, you’ll receive a 12-month BJ’s Perks Rewards membership and earn 2% cash back on most BJ’s purchases. Plus, you’ll get $35 in BJ’s Bucks and save 10 cents off per gallon at BJ’s Gas for six months after the Club opens! 

  • BJ’s Wholesale Club brings a number of benefits to the community: 
  • BJ’s offers excellent value. 
  • BJ’s beats supermarket prices on national brands every day, saving families 25 percent on groceries. 
  • The company is the only major wholesale club that accepts all manufacturers’ coupons, offering families another great way to save. 
  • Its exclusive brands, Berkley Jensen and Wellsley Farms, let families save without sacrificing quality or fun. 
  • BJ’s biggest advantage is fresh food – produce, dairy, meat and deli. 
  • BJ’s offers members much more fresh food variety than other clubs. 
  • BJ’s is the only major wholesale club to offer a full-service deli with premium meats and cheeses. 
  • Members can have fresh meats cut to their specifications. BJ’s butchers will recut and repackage at no additional charge. 
  • A BJ’s Membership is filled with added convenience. 
  • BJ’s offers the most payment options of any major wholesale club. 
  • Members can research, shop and install electronics with help from BJ’s Tech Advisors. 
  • BJ’s Pick Up & Pay program allows shoppers to stock up by reserving select items online and then picking up in-club. 
  • Members can save time and money by filling up their tanks at BJ’s Gas. The company’s gas prices will be among the lowest around. 

Additionally, through BJ’s Feeding Communities Program, the Club will donate unsold produce, meat, poultry, seafood, dairy and bakery products on a daily basis to reduce food waste and provide wholesome, fresh food to neighbors in need. 

BJ’s provides a one-stop shopping destination filled with top-quality, leading brands, along with USDA Choice meats, premium produce and delicious organics, many in supermarket sizes. And BJ’s is also the only major membership warehouse club to accept all manufacturers’ coupons and, for greater convenience, offers the most payment options. 

To sign up for your membership or to learn more about BJ’s Wholesale Club, visit www.bjs.com/roanoke. 

Virginia Made

Meet Lora Cartrett of Tater Tot Trends

Written by Faith Jones, Hill City Handmade

Tribe. Sisterhood. Movement. All things that today’s woman longs for and needs as she battles the day to day of balancing family, career, life, and self. Lora Cartrett, the founder of Tater Tots Trends, is no different. They are words that she never expected to use to describe the business. Yet, it has become everything the 35-year-old founder wanted her Concord, VA based trendy jewelry line to represent. 

Tater Tots Trends began as a creative outlet for Lora as she transitioned from working outside of the home as the director of a daycare to a stay at home mom. As her children were so young, she naturally began making a variety of unique and fun baby items. The brightlycolored and whimsical bows, headbands and bowties quickly took off. Between pop up shops in her mom’s home, craft markets and selling on social media, Lora found herself busier than she ever imagined. Then life threw more than a few major curve balls and Tater Tots Trends took a backseat to personal and family well-being. 

There is nothing quite like going through a storm that gives a whole new perspective on life. Lora’s journey took her down a path of insecurity, hopelessness, postpartum depression, devastation, and loss. In her survival, she discovered a new self-awareness that needed to be reflected in the business. As Tater Tots Trends began its return, the name remained the same, but the vibe was different. Jewelry was the focus and women were the priority. This revitalization was for Lora and every other woman who longed to feel accepted and beautiful wherever they are in the journey. 

Visiting Tater Tots’ social media pages, one can’t help but notice the diversity of women (and their daughters) posting daily photos wearing TTT. Women are complimenting, supporting and cheering each other on. They are proudly shouting that even though they may not be feeling their best or having the best day, one pair of earrings can evoke the TTT motto, Be Your Own Kind of Beautiful. It is a safe space to post filter free and feel a certain celebrity status throughout the day as likes and comments promote the “You go girl!” feeling. It is then that you realize, this is not just about accessories. 

“Tater Tots Trends is a movement. It has evolved into so much more than ladies’ jewelry. It has moved into a tribe full of women who empower and inspire one another!” 

Even as she sits on the first day of a beach vacation, Lora assures her customers turned sisters, that the TTT team will take good care of them in her absence. Her two daughters and son (whose nickname inspired the business name), plus her husband Joe (deemed her fourth child) will always take priority. The journey continues and storms may still arise but with a supportive family and thousands of “sisters” by her side, Lora is at peace in her newfound purpose. 

FindTaterTotTrends: 

www.tatertotstrends.store

Instagram: @tatertottrends 

Facebook: /tatertottrends 

BELLA MAGAZINE DEAL!

Use code BELLA for a FREE pair of earrings with purchase during August.

 

Faith Jones is a local entrepreneur, creative, and believer. Her businesses include Faith Inspired and The Hill City Handmade. Faith has a degree in Art and Photography and is a former high school art and culinary teacher. She enjoys spending time with her family and travelling. Faith’s motto is, “Paris is always a good idea.” www.thehillcityhandmade.com 

Take Me to Piccadilly

meet magnolia 

Written by Cassandra Kuhn 

In 2009, magnolia found its roots at a little booth in Black Dog Salvage. Starting just as a small-scale home décor and furnishings company, owners Jessica Durham and Lori Noonkester envisioned a broader future for magnolia and opened their first storefront in Abingdon, Virginia. Soon after the store saw increasing popularity, its Roanoke location opened at The Forum Shopping Center in 2013 to serve more customers and provide a unique alternative to interior furnishings and designs to the valley. 

In October of 2017, magnolia moved to Piccadilly Square and obtained a location that offered a larger space to open a Visual Comfort lighting gallery, a hidden treasure found in only two other stores in the state of Virginia. Jessica and Lori wanted to capture the essence of the fresh approach, as seen in larger interior furnishing markets, with their welcoming atmosphere and poised design. 

Each furniture piece found in magnolia is hand-picked from markets and vendors in the United States to ensure the most up and coming styles are provided to customers, something that is rare to find in stores. They also have a more personal approach, allowing customers to order an item that is not in-store. 

magnolia has a variety of bedding including from Peacock Alley, Pine Cone Hill, Pom Pom at Home, and John Robshaw. Since moving to their new location, a bedding display has been added to feature the brands that they want to showcase. 

Among the array of items found in the store, they provide custom upholstery from their hundreds of fabrics and finishes to choose from. To go along with the furniture, magnolia has a wide variety of rugs that can be custom sized and a selection of some vintage finds, as well as home hardware including drawer pulls and door knobs. 

magnolia is also proud to offer local authentic art pieces from Sandy Lear, Carson Price, Maria Driscoll, Cameron Richter, and Donna Tuten. Keep an eye out for magnolias various art shows throughout the year featuring works from local artists and talents found in the community! 

In addition to home décor, they also have a selection of handbags, candles, jewelry, and stationery to go with your newly decorated home. There is something for everyone at magnolia and no detail is too small, so stop by and see what you can find or follow @magnolia_

Young Female Writers Club

Better on Paper: An Introverted Teen Writer 

Written by K.L. Kranes

Hannah stands in the middle of the hall and pulls out a notebook, fumbling for a pen. She can’t wait. She has to write it down now. 

Pressing the notebook against the wall, she begins to write. The idea flows out as her hand scribbles fast across the paper. When she’s done, her shoulders relax.  She stuffs the notebook back in her bag and sets off to class.

At 16-years-old, Hannah Mullen of Mechanicsville, Virginia often feels this grip of an idea and the compulsive need to get it out on paper. On paper she can be herself. On paper is where she feels safe.

“I definitely use writing to work through my emotions,” she explains. “I use my notebooks for everything. I have a reading log in the front. I doodle. I write. It’s usually just whenever and wherever I get inspiration.”

Although Hannah is a writer, she doesn’t necessarily want to make an impression. She would probably rather tiptoe through life making no noticeable divots in the fabric of the world, at least not until she first gave each step a great deal of thought. But, whether she wanted to or not, Hannah made an impression on the Hanover Writers Club. Even three years after she stopped attending meetings, they still remember her, the 12-year-old girl working on her first novel. 

When I ask Hannah why she decided to write and publish a novel, she replies, “I just woke up one day and decided this is what I wanted to do.” 

Two years after starting the novel, at age 13, Hannah self-published Experimentals on Amazon. She didn’t think anyone would read it. But attention and accolades do not seem to matter much to Hannah. 

In fact, it becomes clear early in our interview that Hannah doesn’t like to talk about herself or tout her accomplishments. I get the sense she would rather have her nose in a book than be on the phone with me. Regardless, she is gracious and witty, even if a bit reticent. 

“I’ve always loved books,” she says. At the beginning of our interview, Hannah answers my questions with these types of brief answers. 

I quickly realize, Hannah, like many writers, is introverted. I ask her, “You don’t trust easily do you?” She answers, “No.”

I feel an instant kinship with Hannah as I too have introverted tendencies. By the end of the interview, I think I have won her trust, but I’m not certain. 

Once Hannah gets more comfortable with me, her personality begins to shine through. Although I can’t see her expressions, I imagine she is not quick with a smile, but when she gives one, it is meaningful.

“Sometimes I will go a whole day without saying a word,” Hannah tells me. “People expect me to talk. I don’t mind presentations or anything of the sort but socially I’m a wreck. People think just because I don’t talk to them it means I don’t like them.”

Writing helps Hannah cope with the social pressures of being an introvert in an extroverted world. When she writes, Hannah can carefully craft her words in a way that eludes her when speaking. 

“I can erase my writing and I cannot erase what I said. Sometimes I don’t think before I speak, but writing forces me to think,” she says.

Although introverted, Hannah doesn’t spend her days hiding in her room. She has starred in theater productions since she was 8-years-old and takes part in her high school theater program. It isn’t the spotlight that unnerves Hannah, it is not being prepared for it. 

“In my head, things aren’t really thought out. It’s big word vomit,” she says. “I like acting because I don’t have to think about what I say.”

Hannah’s thoughtful mind translates to a thoughtful person. Once Hannah opens up during our interview, it becomes clear she has a big heart. 

“I’ve always been drawn to helping people,” she says. 

In fact, although Hannah finds writing therapeutic, she doesn’t want to be a writer as her profession. It is partially practical. She knows the obstacles and difficulties writers face. Hannah is content writing for herself and pouring her emotions into her notebooks or her poetry blog, https://angsty-teen-poetry.tumblr.com. 

Hannah is more interested in helping people than gathering followers on Snapchat or Instagram. She donates her time at a nearby hospital, assisting with discharges and stocking the pharmacy, while dreaming of one day becoming a pediatrician. Her voice thrums with excitement when she talks about being accepted into a program called SODA (Student Organization for Developing Attitudes), which helps teach 4th graders how to deal with peer pressure. 

Speaking with Hannah reminds me that writing is not just about getting published or how many people follow your blog. Writing is a deeply personal experience. Hannah doesn’t want to just be known as a girl who wrote and published a book before she was even in high school. She would rather be known for her thoughtfulness and how she helped people. She may feel better on paper, but I think we would all feel better if we viewed the world a bit more like Hannah.

Save Smarter – Financial Fitness for Youth

6 Tips to Guide Children through a Healthy Relationship with Money

Presented by Member One Federal Credit Union

With school out for the summer, the kids are likely hanging around the house more than usual. Your little audience is watching and probably soaking in more than you realize—which includes how you manage finances. Healthy financial habits begin at a young age, so what better time to teach responsible spending and saving than during a break from the daily grind of school? Here are a few ways to help your kids get started on the path to financial success.

Set an example.  Parents who make poor financial decisions like impulse purchases, excessive credit card use, or have arguments about finances only confuse children about how to make smart money choices. Make a point to practice what you preach by not only explaining positive financial habits but demonstrating them as well.

Begin early.  Once children start saying, “I want,” it’s a good time to teach savings habits. While they won’t understand compound interest or annual percentage yield, you can explain how we sometimes have to wait for the things we want. Delayed gratification is an important lesson to learn.

Give commissions, not allowances.  There is nothing wrong with giving your child money each week, but it should be earned. Have them perform chores like mowing the lawn, taking out trash, or doing dishes. This will teach them the value of work and prepare them for adulthood, and starting a job outside of the home.

Make it visual.  For younger children, give them transparent jars to keep their money in so they can see their progress. For older children, it’s wise to open a savings account with a local credit union. Online banking can help them easily monitor their progress.

Set savings goals.  It’s much easier to put away money when you know what you’re saving for. If your child wants a game or pair of shoes, show them how much it costs and how long it will take before they can buy the item. You can also show them ways to reach their goal faster by earning more money through additional effort. 

Explain responsible credit card use. As a teenager, getting your first credit card can be very exciting. Make sure your child knows how to use the credit card wisely and warn them that they should only make purchases if they can afford to pay off the balance each month. It’s also important to explain what credit is and how it affects their future—from buying a car to getting their first mortgage.

Financial responsibility begins at a young age. Use these tips to help teach your child healthy money habits that will set the foundation for success now and continue well into the future.

Local Festivals

Opportunities to enjoy music, art, and fun in the coming months!

Written by Hayleigh Worgan

Festival season is here, and we couldn’t be more excited! There is nothing better than spending a long weekend enjoying the warm weather, scenic mountain views, live music, and local food in the company of good friends and family. In addition to FloydFest, there are several festivals within driving distance happening in the next few months that we hope you will support! Check out our favorites below, and let us know your favorites on our Facebook page.

The 14th Annual Horse & Hound Wine Festival takes place on July 14 from 11am-6pm at Johnson’s Orchards & Peaks of Otter Winery! Enjoy local wines from Peaks of Otter Winery, Rebec Vineyards, Tamahawk Mill, Ramulose Ridge, and more! Live entertainment will be provided by BigBossMan at this dog-friendly event. This is a great opportunity to learn more about the town of Bedford and support small businesses and local food trucks. Previous years have included appearances from the Virginia Donkey Rescue, a Parade of Horses, a Kiddie Korral, agility dogs, and even muskrat racing! Visit www.peaksofotterwinery.com for more information on ticket prices and how to purchase them. 

Can’t get enough of Floyd? We’re in the same boat. That’s why we will be attending the Cirque Du Floyd at Chantilly Farm August 17-18! Featuring performances from New York City’s ImaginAerial, Cheeky Monkey Sideshow, Mountain Circus Arts, Juggler Erin Riley, Magician Nelson Oliver, DanceAFire, Imagine Circus, StoryUP!, Miss Kitty’s Cosmonauts, Gartrell the Great, live music from The Get Right Band and Music Road Company, and more! Enjoy a beer and wine lounge, local food, crafts and workshops, sideshow stage and roaming performances, along with a lot of outdoor fun. Arrive by 2pm on Friday to take advantage of free tent camping for the weekend! Visit www.chantillyfarm.com for more information on the event and how to purchase your tickets.

Microfestivus celebrates its 21st anniversary this year! On Saturday, August 11, join the festivities from 12pm-6pm in downtown Roanoke. This is the premier fundraiser for the Square Society, a local 501c(3) nonprofit established to raise interest in awareness of the arts, as well as cultural facilities and activities supported by Center in the Square. This annual event has grown to be one of the largest beer festivals on the entire East Coast, and is a great opportunity to enjoy the ever-growing craft beer marketplace at an event that strives to offer a wide variety of local, regional, and national breweries. www.microfestivus.squaresociety.org

Floyd Yoga Jam’s four-day music, yoga, dance, and art festival will return from August 30-September 2. This is a great opportunity for beginner to advanced yogis to relax, learn, and make new friends! The 2018 lineup will include musical entertainment by Oddisee, Phoebe Hunt & The Gatherer’s, The Get Right Band, Morgan Wade & The Stepbrothers, Seph Custer, Dangermuffin, and more! Floyd Yoga Jam is known for their excellent lineup of professional teachers who provide instruction for a variety of classes. Participants can also enjoy nature walks, meditation, art classes, and lectures. This festival is kid-friendly and includes a Kid Village that will host yoga classes specifically designed for children. The food trucks and beverage options alone are excellent reasons to attend this event. There are multiple options for camping, including a glamping package. For more information, and to purchase tickets, visit www.floydyogajam.net.

Take Us to Piccadilly

‘Tis the season to uphaul your winter closet because summer is in full swing! The shops at Piccadilly Square on Franklin Road in Roanoke are stocked with perfect essentials sure to fit every plan on your list.

Punch Boutique

Featuring a fun and classy atmosphere with a “punch” of bright summer colors, Punch offers a variety of clothes and accessories to fit every personality. Quirky and sophisticated patterns are a popular trend this season and these blue lemon and lime shorts will sure to add some charisma to your closet. Pair these shorts with a classic white shirt and these geranium and gold tasseled earrings for a casual day on the town.

Lusso

Translated to “luxury” in Italian, Lusso’s relaxed atmosphere highlights unique upscale clothing items and accessories. This mint green multi-textured maxi dress would be great for a Sunday brunch and is a staple item for warm summer days. Add in an over-sized beach hat and espadrille sandals for a chic tropical look. Maxi skirts are also a popular trend for European summer vacations and can be styled in various ways, eliminating space on your luggage. This feather-patterned sheer soft pink skirt is ideal for strolling around town and has cut-out layers for a breezy look.

Yarid’s

If you’re looking for a fun summer shoe collection, Yarid’s will complete your look with high-end brands featuring Tory Burch, Jack Rogers, and TOMS. New to their store this month is a peach suede cross-body bag from See by Chloé. This simple bag matches with about any outfit and is a great alternative to a shoulder bag when going out. The gold rings indented on the outside add a pop of glitz to the classic look. To continue the fun colors, add these blue tasseled Brenle flats bySchutz, simple white jeans and a patterned top for the famous summer Palm Beach style trend.

 

 

 

 

Magnolia

You can’t complete your summer without a little home décor to splurge on. These greenery items from Magnolia will complement the natural look of your home and still keep the modern design with the engraved faces in the vases. The plants would be great on a sidetable or placed above books on a coffee table.

 

A shopping destination of women-owned boutiques featuring designer clothing and accessories to exclusive home décor and professional interior design services. Everything is at Piccadilly Square!

Written by Cassandra Kuhn

The regional magazine for women