Tax Preparation

1982
nd 32 2013
Of Service To The Eastern Panhandle
Volume 36, No. 9
Phone: 304-267-9983 Web: www.yourbg.com E-mail: ads@yourbg.com
February 26, 2014
Beads an essential element of Mardi Gras
Mardi Gras beads are an enduring symbol of the carnival celebration. Revelers will wait in crowds along parade routes eager to catch the beads that are tossed down upon them. The meaning behind Mardi Gras beads has never been entirely clear. In fact, the beads take on different meanings depending on the person. Some people associate the beads with good luck, while others believe the jewelry is reminiscent of royalty who could afford lavish baubles. The less fortunate would stand on the side of roads begging for trinkets from the wealthy, and the phrase, throw me something, mister can still be heard during Mardi Gras celebrations. Others view the beads as a form of currency that could buy favors from others, perhaps even a glimpse of flesh during more raucous celebrations. Mardi Gras beads were once made of glass, but less expensive plastic beads are now used. Some Mardi Gras festivities feature large, novelty beads that tie into a particular theme. Beads are just one of the many types of throws cast to partygoers during Mardi Gras. Krewes, or carnival organizations that are part of parade planning, may also toss doubloons, money and other trinkets. Some krewes also have other events, such as private dances or parties, that may or may not feature the distribution of throws. Krewes also are responsible for electing the king of the parade. The Rex Krewe, founded in 1872, is one of the premier krewes of the Mardi Gras celebration. Their traditional colors are purple, green and gold, which have become the official colors of Mardi Gras Carnival. Their throws, including specially struck coins like the gold Rex doubloon, are sought-after pieces. Many of the traditions associated with Mardi Gras have ancient origins. Many of the festivities enjoyed in New Orleans, one of the more popular places to enjoy Carnival, include French customs brought by early settlers to the area. Since Mardi Gras is the last day before the start of the Christian Lenten season, which is a time of repentance and remembrance of Christs ultimate sacrifice, revelers engage in a final party before the solemnity of Lent. Early celebrations and processions were impromptu, but over time Mardi Gras festivities became more orderly and were planned months in advance.
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Page 2
Buyers Guide 267-9983
Wednesday, February 26, 2014
Editorial
Courtesy of
Bingo
WEEKLY Bingo at the Shepherdstown Fire Dept. on Wednesday Evening. Doors open 5:30, Bingo starts 6:30pm. COACH Bingo to benefit Big Brothers Big Sisters Mar. 9, 2014 at Moose Lodge 201 Woodbury Ave. Martinsburg. Doors open at Noon, Games at 1:30pm, King Tutt and Tips begin at 12pm. Tickets are $25 in advance and $30 at door. No outside food allowed in the Moose-No one under 18 permitted. For tickets, please call 304263-5522 50 Game Money Bingo Saturday, April 12th for the b e n i f i t o f t h e Shepherdstown Fire Dept. Doors open at noon, Bingo starts at 2pm, advance tickets not required. $3,550 total prize money (must have 100 players). Admission includes a comlimentary meal.
Events
QUESTIONS About Healthcare? What Private Health Insurance Options Are Available? For questions or to sign up call our community assister 304263-5131. Berkeley County Health Department.
Calvary United Methodist Church 220 W. B u r k e S t r e e t , Martinsburg, WV 25401 304-267-4542 Pastor: Rev. Al Clipp 8:30 & 10:45am worship, Sunday School: 9:30am.
FIRST Presbyterian Church, 220 South Queen Street, Martinsburg invites you to join us for Sunday events. Church School at 9:30am, Fellowship Hour 10:30am and Mor ning Worship at 11:00am. Help us in Making Disciples of Jesus Christ! The Rev. Dr. Rufus Burton is Pastor. Church Office is 304-2635201. IMMANUEL NEW LIFE BIBLE CHURCH- 701 W. Burke Street, Martinsburg, WV 25401. Dr. Alex L. L a m b e r t J r. , S e n i o r Servant. Office: (304)2623355 Fax: (304)2623366 E-Mail: immanuelnlbc@aol.com Website: www.inlbc.org. WEDNESDAYS Evening Prayer Service 6:45pm 7:15pm. In Life Empowerment Network (Formally known as Bible Study) - 7:15 pm. SUNDAYS Morning Service 1 0 : 0 0 A . M . F r i d a y, February 28, 2014 Friday Evening Service at 7:30pm Guest Preacher Reverend Delbert Pope. M I D D L E W AY U n i t e d Methodist Church, 7435 Queen Street, Middleway, will be hosting an Ash Wednesday Service on We d n e s d ay, M a r c h 5 beginning at 7 PM. Everyone in the community is invited to attend. For more information, please call the church office at 304-728-4770. OTTERBEIN United Methodist Church, 549 N. Queen Street in Martinsburg, invites you and your family to join them at their Sunday morning worship services, 8:30 a.m. (Contemporar y/Praise) a n d 1 0 : 5 0 a . m . (Traditional). Sunday School classes for all ages are at 9:30 a.m. Pastor Marks sermon message for this week, Sunday, March 2, for the Transfiguration services will be A Yo-Yo Faith All are welcome. Come celebrate the Good News! Church office: 304-2630342. The Rev. Mark C. Mooney is pastor. Pastor C. Wayne Frum, 304-229-8508 or 301-9887654, of the Bunker Hill United Methodist Church, 9863 Winchester Avenue, Bunker Hill announces the following Worship Service: Sunday School @ 9:00am. Worship Ser vice @ 10:00am.
Berkeley Medical Center Auxiliary Installs Officers
Church News
A Soup, Sandwich and Bake Sale will be held at L e e t ow n U M C, 1 1 1 3 3 Leetown Road, Saturday, March 8, 10 AM - 1 PM (or until sold out). Eat in or carry out. Call 304-2298527 or 304-725-8304 for more information. All proceeds to benefit the churchs outreach programs. A Winter Carnival will be held in the Education Building of Otterbein United Methodist Church, 549 N. Queen Street in M a r t i n s b u r g , W V, o n Saturday, March 8, from 2 : 0 0 - 4 : 3 0 p . m . Refreshments, childrens crafts, games, and the magic of Michael T will all help highlight the days activities - and its all FREE!!! For more info., call the church office at 304263-0342. The Rev. Mark C. Mooney is pastor. ASH WEDNESDAY SERVICE- Leetown United Methodist Church will be hosting a Joint Ash Wednesday Service with Marvin Chapel UMC on We d n e s d ay, M a r c h 5 beginning at 7 PM. All are invited. Leetown UMC is located at 11133 Leetown Road, Leetown. For more information, please contact the church office at 304-725-8304. ASH WEDNESDAY SERVICE: At Otterbein United Methodist Church, 549 N. Queen Street in Martinsburg, beginning at 7:00 p.m. on Wednesday, March 5. The Rev. John Yost of St. Lukes UMC will share the message: The Prayer That Raises the Dead!. The service will include communion, anointing, and the imposition of ashes and is being sponsored by the In-Town United Methodist Churches of Ber keley County. All are welcome. For more info., call the church office at 304-2630342. The Rev. Mark C. Mooney is pastor. BETHELS Bread of Life Meal: A free meal is offered for those who are in need of assistance with a meal at Bethel Assembly of God every 3rd Tuesday, at 5:00 to 6:15. Our next meal will be Tuesday, March 18, Bethel Assembly of God is located at 2010 Tavern Road, across from City Hospital/University Health care. We look forward to seeing you.
PIKESIDE UNITED METHODIST CHURCH (25 Paynes Ford Road, Martinsburg). Early Bird Worship at 8:30 a.m., Sunday School for all ages at 9:25 a.m. and Morning Worship at 10:35 a.m. (nursery and childrens church available). Wednesday Bible Study at 7:00 p.m. FREE Breakfast, 8:00 a.m.-10:00 a.m. on the second Saturday of each month. Pastor R i c h a r d B r o o m e J r. C h u r c h O f f i c e : 304.263.4633. COME HOME TO PIKESIDE! ST. Lukes UMC, 700 New York Avenue, will host a pancake dinner from 4:30 to 7pm. Shrove Tuesday in the church social hall. Menu: Homemade Sausage G r a v y, P a n c a k e s , Sausage Patties and Applesauce. Juice and Coffee also will be available. Cost is by donation. Proceeds will benefit missions. For more information, call Sandra Van Metre at 304-260-0405. THE Gerrardstown United Methodist Church morning worship service is at 11:00 am each Sunday. Church School for the children and a nursery is provided during the service. An adult church school class meets at 10:00am each Sunday morning. Come join us. TOMAHAWK Presbyterian Church in Tomahawk, West Virginia, invites you to worship on Sundays at 9 : 0 0 a . m . C h i l d r e n s Church offered during worship service. Contact us at (304) 754-8869, www.tpcusa.org, or tpcusawv@gmail.com
Farrukh Jalisi, MD, Cardiologist
Dinners/Suppers
The auxiliary sponsors numerous fundraisers throughout the year in support of Berkeley Medical Center. For more information on the Auxiliary including membership, phone the marketing department at (304) 264-1223.
TOMAHAWK Ruritan Club is having a Turkey Supper, March 29th, 4pm-7pm. $10 adults and $5 for children. Entertainment: Stoney Creek Bluegrass Band. Raffles, 50/50s and Silent Auction for HHS Scholarship. Call 304754-3860 for info. PA N C A K E B r e a k f a s t Saturday, March 1st, 7:30am11am at Bedington United Methodist Church, 304-2742011. Pancakes, sausage, sausage gravy, biscuits, fried potatoes and made to order eggs. All You Can Eat! Cost by donation, supports BUMC Mission Projects. Sunday Services 9:30am Traditional, 11am Contemporary, 6pm Youth. PANCAKE & Sausage Supper- The Darksville United Methodist Church Annial Pancake and Sausage Supper!!!!Darksville United Methodist Church, Rt. 11 Darksville, WV ( 1 mile North of Inwood). Tuesday, March 11th, 4:0pm-7;00pm. Free will donation. Carry-Out available $6.00. MARDI GRAS PANCAKE & SAUSAGE SUPPER Tuesday, March 4, 5pm7 : 0 0 p m a t Tr i n i t y Episcopal Church Parish Hall, 200 W. King St. Pa n c a ke s, S a u s a g e, Applesauce, Sausage Gravy & Drinks. Adults $5.00 and Children under 12 $3.00. More info. 304263-0994.
Martinsburg, W.Va. - The Auxiliary of Berkeley Medical Center recently installed officers for 2014. The installation ceremony was performed by Anthony P. Zelenka, president and COO at Berkeley Medical Center. Pictured from left to right are: Eleanor Jones, president; Nancy Poulson, vice president; Barbara K. Arndt, secretary; and Fran Auld, treasurer.
Community Calendar
LLC
Ruritan Hall
The Tuscarora Ruritan Hall is available for a $150 donation- commercial $175 donation. Air conditioned. Seats 115. Call 304-263-3090 or 304-264-8411 for information.
POLE BUILDINGS
Garages Commercial Pavilions Farm Horse Barns & Arenas Seamless Gutters Steel Roofing For Houses
(go right over shingles)
Ruritan Hall
Tomahawk Ruritan Club Rentals available for Birthday parties, wedding receptions, reunions, seminars and workshops. Small dining room $100 and Large Dining Room $150. Please call 304-7543860 for reservations.
W i n c h e s t e r Ave n u e Christian Church (Disciples of Christ) 400 Winchester Ave, Martinsburg, WV. Rev. Benjamin Manning, Minister. Sunday School 9:30, Morning Worship 10:45. Thursday 10:001:00 Clothing Closet Open. (Church entrance and sanctuary are accessible to the handicapped). Everyone welcome.
General News
BERKELEY COUNT Y S c h o o l s Volunteers NeededAssist a student weekly with school work and selfesteem. Free training, TB test and finger pr ints. Volunteer at any BC School with principal discret i o n . F R E E PA S S training on Thursdays a t 9 : 3 0 a m , PA L C , 3635 Winchester Ave., Martinsburg. No reservations needed.
304-754-5810
www.timberlinebuildings.com
WV#038517
Country Breakfast & Pork Sale

Marlowe Ruritan Club, February 8, March 8 & April 12! Call ahead for pork orders 304-274-3409 or 304-274-2448. Online at marloweruritan.com. Breakfast includes pancakes, sausage, sausage gravy, puddin & drink. 6am10am. AYCE $6.50. Meat is USDA Inspected.
We Buy From Reputable Breeders Not Puppy Mills!

Our Pups come with shots, wormed, a guarantee from the breeder and some are micro-chipped.
Visit Us On The Web www.yourbg.com
Dog Gone Pets

304.240.1974 and Grooming
Grooming $10 OFF (New Clients) $ 5 OFF (Existing Clients)

31 Meadowlane Plaza Martinsburg, WV Mon.-Sat. 10am-8pm Sun. 11am-5pm www.facebook.com/DogGonePets
THINK SPRING SALE Ask About Special Discounts On IN STOCK PRE-OWNED BUILDINGS!
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Side Lofted Barn Cabin
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Lofted Barn
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1/
2/
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4675 Winchester Ave., Martinsburg, WV 304-260-9062

EASTRIDGE HEALTH SYSTEMS (304)263-8954 FREE CARE If you qualify for WV Charity Care Funds. HOMELESS Mother and son in need of a 2 bedroom apartment. Please Help. Call 304-350-1308 anytime. P R O PA N E ! ! ! . . . . a n d propane accessories. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! O p e n E V E R Y d a y. FALLING WATERS CAMPSITE. 304-274-2791. SWEET ADELINES S h e n a n d o a h Va l l e y Chapter is currently searching for a new director. Prior director experience preferred but not necessary. We are an all female chorus that sings 4part, a-cappella harmony in barbershop style. For m o r e i n fo r m a t i o n c a l l Sharon at 540 955-2851. SWEET ADELINES Shenandoah Valley Chorus is looking for new members. We are commited to advancing acappella harmony through performances, education and competitions. All women, all parts, welcome. Practice is every Monday night. 75 Merrimans Lane, Winchester, VA. For more information, call Sharon at 540-955-2851.

LA-Z-BOY carmel beige reclining couch, 88 long, 3 years old, $300/obo. Call 304-754-3860. LARGE dresser with 6 drawers and attching mirror, solid wood. $125. Call for details 304-268-9080. LITTLE Tykes childs Car Bed with mattress in great condition, $80. Call for details 304-268-9080. MATCHING, glass top set of coffee table and two end tables; frame is chrome and wood (dark cherry color); very good condition, $150. 304-725-0498. MATTRESS/Boxspring Sets. Twins $125, Fulls $175, Queens $225, Kings $300. Delivery Available call for prices. 304-299-1005 (Rod). PROPANE!!!....and propane accessories. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! Open EVERY day. FALLING WATERS CAMPSITE. 304-274-2791. RECLINER-ROCKER, leather cover, light tan (sand), very good condition, $60, 304-263-0273. SOFA , Lazyboy, redish wine, 2 years old, same as new, $400/obo. Call 304263-8391. TA L L D r e s s e r / L o n g Dresser with mirror, matching set $100. Call 304-8396712. VICTORIAN Settee. 18901910. Excellent condition.Tapestry fabric. Medium wood finish. $250. Marlowe, WV. (304)5918587. P R O PA N E ! ! ! . . . . a n d propane accessories. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! O p e n E V E R Y d a y. FALLING WATERS CAMPSITE. 304-274-2791. RICCAR vacuum cleaner, compact with shoulder strap and lots of attachments, like new $70. Call 304-263-8230. MULCH- double shredded, chocolate colored hardwood mulch, 10 yds $230 + tax delivered. Smaller amounts available. Call O.W. Hauling 304-264-5966. TOPSOIL Screened topsoil with 20% screened compost added. 5 cubic yds d e l i v e r e d . C a l l O. W. Hauling 304-264-5966. WOODEN Swing Set w i t h v i n y l c a n o py i n good condition, five activities. Asking $450. Call 304-671-5875.
Page 3
Jewelry
DIAMOND solitaire round, 3/4 kt in 14 kt gold, proof of authenticity. $2600. 304-582-1520 GOLD 18K rope necklace, 21 made in Italy in great condition, 1.5oz gold, $2,700. Call 910231-0939.
Sporting Goods
BAUER Pro Ice Hockey Skates, silver arrow, made in Canada, size 10, leather soles & uppers, $ 1 2 5 / O B O. 3 0 4 - 2 6 0 0508. BRISTOL NASCAR RACE TICKETS- 2 for the Nationwide race Mar 15th and 2 for the Sprint race o n M a r 1 6 t h G R E AT SEATS. Dale Earnhardt Terrace, Section V, Row 15, Seats 1 and 2 (under roof). $275.00 for all. Call 304-671-3038.
Computers/ Personal
DELL Laptop Studio 1 5 5 8 , W i n 7 H P, 6 4 b i t , 4 G B, 5 0 0 G B, I 3 , 1 5 . 6 d i s p l ay, G o o d B a t t e r y. $ 1 5 0 . M a r l o w e , W V. (304)591-8587.
Lawn & Garden

I HAUL AWAY FOR FREE! Riding and push mowers, tillers, generators, weed trimmers, snow blowers, chain saws, roto tillers, truck/car batteries, All gasoline related items. Call 304-267-4648 LM.
Household Items
4, 2 shelf glass display case with lower storage $135/obo. 304-433-5723.
Electronics/ Personal
SONY Trinitron color TV 27, $40. Call 304-2635955. XBOX 360 kinect with two controllers, $160, 304-261-0417
Your Kitchen...
Reimagined, Revamped, and Redesigned.
- Free Estimates -
Furniture
40 ROUND OAK TABLE, WITH LEAF, 4 CHAIRS. GREAT CONDITION $100.00. CALL 304-350-1059. FA R M H O U S E D R O P LEAF TABLE WITH 6 CHAIRS, LIKE NEW $350. CALL 304-2618226. KING size bed frame with headboard, $50. Call 304-582-3459.
RICKS WELDING AND MACHINE

Complete Driveshaft Repairs All Types New Driveshafts While You Wait Authorized Splicer Drive Line Service Complete Line Hydraulic Hoses
BERKELEY PLAZA 7
MARTINSBURG 263-9303
Locally Owned & Operated
Visit Our New Website gjcabinetry.com
$7 12:35 ADULTS -2:15 -3:55 -5:30-7:10-9:00 CHILDREN (UNDER 11) $5 SR. CITIZENS $5 MILITARY (W/PROPER ID) $5 MATINEE:
ALL SEATS BEFORE 6PM - $5 For Showtimes Call:
Signature Cabinetry
GJ
&
304-596-2305
68 Hinton Court Martinsburg, WV 25404
Mon. -Fri. 10am to 5pm Sat. & Evenings by Appt.
Appliances
9 West Appliances Refr igerators, Stoves, Washers/Dr yers & Freezers. All like new with warranty. Call 304-2635049. M O U N TA I N S TAT E APPLIANCES 304-2634612 Washers, Dryers, Refrigerators, stoves. All major brands including: GE, Maytag, Kenmore, Frigidaire and more. Best prices anywhere with warranty. We service what we sell 304-263-4612. WHIRLPOOL Quiet Partner II Dishwasher in White. $100/OBO. Call 304-283-5117 after 4 PM.
We Service Most Brands

o Call T
304-258-3527
bg-0036-1307
754-9031
day!
Rt. 2 Berkeley Springs, WV
304-263-9303 www.berkeleytheatres7.com
g Crai irs Bla
PRE-SEASON All 2013 Models MUST GO! ONLY $
SALE!
19X31X4 Includes: Deck, Ladder, Filter &Fencing
797.00
FREE SHOP AT HOME SERVICE
CALL: 800-581-3765
Baby/Infant
SEALY Ortho Rest Baby Crib/Toddler Bed Mattress. Brand New.$35.00 Call 304-676-6250
FREE Auto Pool Vac With Every Pool Ordered By April 1, 2014
(Complete Line of Above and Inground Pools)
7437 Sharpsburg Pike Boonsboro, MD 21713
301-302-0740
Fax 240-582-9147
All Star Storage

March 19 Winning Wednesdays Rocky Gap Casino March 29 MOSES Sight & Sound Theatre
Paying Top Dollar For Guns, Gold, Diamonds, Jewelry...Anything of Value!
Opening Under New Management

24 Hour Access Boat & RV Parking
8X20 Storage Unit Just $7500 per mo. C all Today! On Site Manager
Fraziers
Pawn Shop
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In front of Spring Mills Walmart ~ beside McDonalds
Cherry Blossom Odyssey Cruise

April 6 7 Resorts Margaritaville Casino Atlantic City, NJ April 22 National Constitution Center Philadelphia, PA April 26 A Day in NYC
April 3
304-229-0918
2 Locations:
6610 Winchester Ave., Martinsburg & Henshaw Rd. & Rt. 11 Bunker Hill
922 N. Queen Street, Martinsburg, WV
304.263.8511
Larry & Sherry Kerns, RTRP
Kerns Tax Service

35+ Years Experience
WHAT IS THE BEST KEPT SECRET IN JEFFERSON COUNTY?
Laurel Highlands & Pittsburgh, PA
Frank Lloyd Wrights Fallingwater and more!

July 13- August 14
June 27-29
ALASKA! & the Canadian Rockies

Explore the Last Frontier by Motorcoach August 2 Lion King at the Kennedy Center
Shepherdstown Specialty Storage

Our Indoor Storage Facility is beautifully landscaped and features triple security and 24hr video surveillance
Evening & Weekend Appointments Available $ 65 and up tax prep for Federal & State Free Estimates Free E-Filing IRS Direct Deposit IRS Paper Check Refund Card
OVER 150 SHEDS IN STOCK

To see our complete inventory, go to WVsheds.com
Ask For Milton
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Over 100 Pieces of Furniture Now In Stock and All Weathered Furniture
Individual Business Partnerships Corporations ALL STATES

119 Sader Drive, Unit #1 Inwood, WV
304-274-5014
Main Lot: 5594 Hammonds Mills Road Spring Mills Exit 20 of I81 in front of Walmart Other sheds also available at 5029 Williamsport Pike, facebook.com/pinecreekstructuresmartinsburg Martinsburg, WV 25404
Explore the World with Schrock Travel
800-336-3953
1744 Shepherd Grade Rd., Shepherdstown
Mon-Friday 9-6, Saturday 9-4 Call 304-876-8686
304.229.6333
kernstaxservice@frontier.com Mon-Fri 9-5 Sat 9-1
The IRS does not endorse any particular individal tax return preparer. For more information on tax return preparers go to irs.gov
Page 4
C VA H aw ke n . 5 0 Caliber Muzzeloader Rifle w/case, $125. Call 304-263-0026. GOLDS Gym 450 t r e a d m i l l , l i k e n e w, $125 obo 304-4335723 LITTLE League BatsEaston XL1 $90 and Louisville Slugger EXO Grid $80. Call 304-2649414. MANUAL treadmill Weslo Cardiostride Plus perfect cond. $25 OBO. 304-258-6069. R a c q u e t b a l l Experienced SENIORS Preferred. 304-2299167

WANTED TO BUY: Old Pocket Watches, New & Old Tools, Crocks & Jugs, Old Guns, Railroad Lanter ns Milk Bottles, Massonic Items, Rings & Jewelry, Old Knives, Old Money, Tin Toys & Trucks, Class Rings, Civial War Items & World War 2 Items, Iron Skillets, Glass & Wo o d e n C h u r n s , O l d Clocks, Old Post Cards. Buying Antiques for over 60 years. Call Phil Mercer 304-262-9155. WANTED- Fence wire field grade suitable for garden trellis. Call 304-267-7884 after 4pm. WANTED: GMC or Chevy Pick-up Truck for good price. Call 304-702-0434. FREE Red Nose Pitt, female, 10 months old and good with children. Call 304-350-1308. YO R K I E - P O O P u p py Female, 14wks., UTD Shots. Should be 5 to 7lbs. as an adult. Soft curls, $250. Call 2405 2 7 - 4 7 1 9 l e ave m e s sage.
Misc.
22HP 42 cut mower asking $575. Call 304-2677492. 55 gallon metal barrels (heavy duty) w/removable lids and lock rings, Great for burning or feed!!!Great Deal!!! $15 each or 2 for $25. Call 304-267-4648 or cell 304-268-5952. BASKETS-Chr istmas Collectors Editions. 6 BASKETS, with Hollyberr y Liner, protector, tie-on, handles, lid and Special Edition engraved tag. Ye a r s 1 9 9 4 t o 1 9 9 9 . Excellent condition. $275/ everything. (304)725-1301
CHAIR Caning-cane, split, & rush. Call for prices 304-2633964. DRY bath with bowl and vase. $250. Call 304-9955112. FREE Estimates Allstate I n s u r a n c e : Au t o, L i fe Insurance, Annuities, CDs, Accident, Cancer Disability, Long Term Care, Retirement Planning. Call 304-725-7943. HARLEY Davidson Mens Leather Jacket 3X, $145. Call 304-582-3459. KING and Queen Pageant March 9th at Harpers Ferry Quality Hotel. $15 entry fees. Call 304-263-1499 or SandySueScott@Comcast .net
K I T C H E N Ta b l e w i t h matching hutch $35. Free push mower. Call Debbie @ 304-616-0380 P R O PA N E ! ! ! . . . . a n d propane accessories. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! O p e n E V E R Y d a y. FALLING WATERS CAMPSITE. 304-274-2791. RAFFLE drum brass finish, new in box, holds 5,000 tickets, $125. Call 304-2630026. RETIRED senior needs employment to supplement Social Security income. Will do those jobs that homeowners never get around to or have time for like painting rooms, outside decks or whatever. Will work for low wages. 304676-8199. ROAD Work and Maintenance, Pot Holes, Ditch Cleaning, Drainage Pipes Replaced, Grading, Crowning, Stone Hauling 10 to 20 tons per load. No charge for gateing. Residential or Commercial. Licensed and Insured. Free Estimates. 304-262-4511. SANTA Sleigh, circa 1800. $1400/OBO or trade. Call 304-582-2460. SUNVISION sunbed excellent condition, 178 hours, also exact bulbs $1500.00 call 304-582-2403
VENDING Machine- Gains combo vending for sale 600.00/obo. Call 304-2615732. VHS Tapes-Over 50. Variety for all ages, Disney, comedys, drama, and more. All in or iginal case/box. Excellent condition. Cheaper than going to the movies!! Bundle price-$60 for ALL. (304)725-1301
Wanted To Buy
LOOKING for a closed in box trailer and size, single axle or dual in any condition. Call 304-582-2460. WANTED standing timberany amount considered 304258-5626 or 304-676-8578. WANTED TO BUY- Old Telephones, Trunks, Metal & Wood Signs, Old Banks, Pictures & Old Paintings, Old Clocks, Egg Baskets, Old Fishing Rods and Reals, Movie Posters, Pedal Cars, Old Hanging Lamps & Shades, Farm Related Items & Anything Old. Buying for 60 years in Eastern Panhandle. Call Phil Mercer 304-2629155.
Cats
FREE Kittens- Adorable & Beautiful!!! 1 Siamese kitten lovable and needs home and 1 black kitten neutered w/shots and needs a home. Call 304-725-9411 or 304995-7221.
Built to Last
Tools
SHOPSMITH Mark V home workshop with 20 scroll saw. 115 or 230 volts. Includes table saw, disc sander, vertical drilling, horizontal boring, like new $700. Call 304-263-8230.
Misc. Pets
WANTED - Your unwanted farm animals, Goats, Chickens, Roosters, G e e s e , D u c k s , G u i n e a s , Tu r k e y s , Pigeons, House Birds, R a b b i t s, e c t . F u r t h e r details Call Big Ben 304267-4648. Clip&Save!
Livestock
REMOVAL of dead livestock call for prices 304671-2220.
AGRICULTURE | EQUESTRIAN | GARAGE | COMMERCIAL
Carpentry
C U S T O M C a r p e n t r y, R e m o d e l i n g k i t c h e n s, painting, roofing, decks, HVAC, siding, fascia, soffit, b a t h r o o m s, a d d i t i o n s. Custom built homes. Plumbing, electrical, residential, commercial. J&J Builders. Licensed/Insured 304-263-1798, Jjbld.com.
Dogs
BEAUTIFUL female 4 year old Red Nose Pitt Bull that is loving and gentle. No cats! Free. Call 717-9873163.
ESTATE LIQUIDATORS One piece to entire collections!

We Buy Antiques, Collectibles, Jewelry, Pottery, China, Silver, War Memorabilia ~ANYTHING!
Contact the Buyers Guide Classifieds online to make an announcement, sell your stuff, post a job or offer a service today!
GET PAID CASH TODAY!

304-839-4166
25 WORDS FOR ONLY
8.00
Washington Countys Newest Rehabilitation Center is Now Open!

Williamsport Retirement Villages new 34,000 sq. ft. rehabilitation wing offers a state-of-the-art rehabilitation department and a variety of warm, home-like features to promote residents comfort and choice!
Buyers Guide
P U B L I C A T I O N S
(301) 223-7971 www.wrv-bgf.org

MD Relay 1-800-735-2258 154 North Artizan Street Williamsport, MD 21795
Call the Classifieds.
304-267-9983
Rates may vary, depending on the classified section. Rates do not apply to free family classified ads.

PENNS Handyman Ser vice. Painting, Remodeling, Dr ywall, Power Washing, Yardwork, Landscaping, Roofing, Gutter Repair and Cleanout. Any odd job. All work guaranteed. 304-8862837 or email pennshandyman@yahoo.com.
Page 5
Childcare
G OT D ay c a r e ? M i s s Cindys Childcare has FT/PT openings for ages up to 4 yrs. Clean, safe, non-smoking environment w/lg. play area in/outside. Mountainheart accepted. 304-274-6288. LOOKING For Excellent Childcare?23 years experie n c e . M o n d a y - Fr i d a y 6:30am-5:30pm. Berkeley Heights District. Please call Carol for more information 304-264-0938.
FIREWOOD-mixed hardwood 1/2 cord to 2 cords. Call O.W. Hauling 304-2645966. MIXED firewood, $70.00 per load, $130.00 per cord, call 304-268-3506.
Hauling
O.W. Hauling- screened topsoil, mulch, gravel delivered. Junk and d e b r i s r e m o ve d . C a l l 304-264-5966.
Free TAX-AIDE Begins

AARP Tax-Aide volunteers will be available to assist people with filing their federal and state income taxes beginning Saturday, February 3 at the Martinsburg Public Library and Wednesday, February 5 at the Musselman South Berkeley Community Library (See schedule below). These volunteers will assist anyone requesting help regardless of age or financial status. People are assisted on a first-come, first-serve basis with no appointments. No questions will be answered over the phone. AARP Tax-Aide volunteers will also be assisting the public with state and federal taxes at North Berkeley Public Library this year. Tax-Aide will be available by appointment only on Fridays and Saturdays during tax season. Note: If libraries are closed, TAX-AIDE volunteers will not be at that facility. Time and dates may be subject to change.
Handyman
PROFESSIONAL HANDYMAN SERVICE Lic & Ins-25 years experience in all phases of home repairs and r e s t o ra t i o n . D r y wa l l , paint, trim, tile, bathroom/basement finishing, windows, doors. Free Est. Call 304-261-3149. A. Handyman Service304-279-0182. Junk r e m ova l , I n t e r i o r a n d Exterior repairs, roofing, replacement windows, chimney sweeps, finish baths/ basements, landscaping, lawn care, plumbing, and cleaning service. F&K Properties LLC Handyman service. Specializing in ceramic tile of all kinds, laminate flooring, painting, power washing, and other odd jobs. Licensed and insured 304725-1790 or 304-725-2771 free estimates.
Elderly Care
27 years exper ienced Cargiver seeking position. Any hours with References. Call 304-229-4970.
Fuel, Coal, Firewood
FIREWOOD $140 Cord, $75 half cord, seasoned hardwood. Snow Removal commercial and residential. Call James 304-886-5510. FIREWOOD For Sale and Will Plow Driveways. Call 304-261-8683 and 304261-4899. FIREWOOD for sale, cut, split, and delivered $70 1/2 cord, $130 a cord. Call 304-283-2798.
www.DutchBrothersFurnitureOutlet.com
MARTINSBURG PUBLIC LIBRARY TAX-AIDE SCHEDULE February 3 thru April 14 Mondays- 9:30am - 8:00pm Tuesday -9:30am-5:00pm *Note time change
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205 Eagle School Road Martinsburg, WV 304-263-6969 Next to Golds Gym
Monday - Friday 9:30 AM to 6:00PM Saturday 9:30 AM to 5:00 PM CLOSED SUNDAY Shop and Compare... Youll be glad you did! CREDIT AND LAYAWAYS ARE AVAILABLE
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304-267-9983
Buyers Guide
Page 6

ROAD Work and Maintenance, Pot Holes, Ditch Cleaning, Drainage Pipes Replaced, Grading, Crowning, Stone Hauling 10 to 20 tons per load. No charge for gateing. Residential or Commercial. Licensed and Insured. Free Estimates. 304-262-4511. WE Will Pay Top Dollar for Junk Cars and Trucks & Any Kind of Unwanted Scrap Metal. Call. 304-2618683 or 304-261-4899. HEALTH & FITNESS- VIAGRA 100mg or CIALIS 20mg! 50 pills $99.00 FREE Shipping! 100% G UA R A N T E E D. C A L L NOW! 1-866-312-6061. H E L P WA N T E D : $1000/WEEKLY** MAILING COMPANY LETTERS -$384/Day** Typing Ads Online! - $575/Weekly** A s s e m bl i n g P r o d u c t s www.HiringHelpWanted.co m MISCELLANEOUS- $21 Car Insurance - Instant Quote - All Credit Types Find Out If You Qualify - As Low As $21/Month. Call (888) 287-2130 MISCELLANEOUS- AIRLINE CAREERS begin here - Get trained as FAA cer tified Aviation Technician. Housing and Financial aid for qualified students. Job placement assistance. Call AIM 866453-6204 MISCELLANEOUSCASH FOR CARS, Any M a ke o r M o d e l ! Fr e e Towing. Sell it TODAY. Instant offer: 1-800-8645784 Miscellaneous- Dish TV Retailer-SAVE! Starting $ 1 9 . 9 9 / m o n t h ( fo r 1 2 months.) FREE Premium Movie Channels. FREE Equipment, Installation & Activation. CALL, COMPARE LOCAL DEALS! 1800-309-1452 MISCELLANEOUSHave fun and find a genuine connection! The next voice on the other end of the line could be the one. Call Tango 1800-807-0818. FREE trial! MISCELLANEOUSMeet singles right now! No paid operators, just r e a l p e o p l e l i ke yo u . Browse greetings, exchange messages and connect live. Try it free. Call now 1-888-909-9905 WA N T E D TO BU Y ADVERTISE to 10 Million Homes across the USA! Place your ad in over 140 community newspapers, with circulation totaling over 10 million homes. Call Independant Free Papers of America- IFPA at 866-224-8151. WA N T E D TO BU Y C A S H PA I D - u p t o $28/Box for unexpired, sealed DIABETIC TEST S T R I P S . 1 - DAY PAY MENT. 1-800-371-1136 WA N T E D TO BU Y Wants to purchase minerals and other oil and gas interests. Send details to P.O. Box 13557 Denver, Co. 80201

ANNOUNCEMENTSMedical Alert for Seniors24/7 monitoring, FREE Equipment. FREE Shipping. Nationwide Ser vice. $29.95/Month CALL Medical Guardian Today 877-827-1331. ANNOUNCEMENTSS AV E o n C a b l e T VIntternet-Digital PhoneSatellite. Youve Got A Choice! Options from ALL major providers. Call us to learn more! CALL Today. 866-766-6459. AUTOMOTIVE Need Car Insurance Now? Lowest Down Payment Canceled? State Letter? Accidents? Tickets? DUI? Instant Coverage! INSUREDIRECT.COM TollFree 888-800-2312 B U S I N E S S TO B U S I NESS- ADVERTISE to 500,000 Homes with a business card size ad. You choose the area of coverage in free community papers...we do the rest. Call 800-450-7227 or visit macnetonline.com C A R D O N AT I O N S D O N AT E YO U R C A R FAST FREE TOWING 24hr Respose- Tax Deduction UNITED BREAST CANC E R F O U N D AT I O N P r o v i d i n g Fr e e Mammograms & Breast Cancer Info. 866-9451156. COMPUTERS FOR SALEDELL LAPTOP Computer. Extremely fast, professional grade model. Excellent condition. Windows 7, Premium software bundle. Perfect for home, school or business. Six month warranty. $399. 717-653-6314. EDUCATION- MEDICAL O F F I C E A S S I S TA N T S NEEDED NOW! Become a Medical Office Assistant at CTI! NO EXPERIENCE NEEDED! Online Training gets you job ready! HS Diploma/GED & Computer needed. 1-888-528-7110 EVENTS- ENJOY 100 percent guaranteed, delivered to-the-door Omaha Steaks! SAVE 74 percent PLUS 4 FREE Burgers - The Family Value Combo ONLY $39.99. ORDER Today 1-800-914-0913 Use code 49381KZP or www.OmahaSteaks.com/m bos32 EVENTS- FAIRS & FESTIVALS NEED PEOPLE TO ATTEND. We market your event to over 1 Million readers for only $150. Visit www.midatlanticevents.net for more details or call 800450-7227.
Page 7
FINANCIAL SERVICES T RU G G L I N G W I T H YOUR MORTGAGE AND WORRIED ABOUT FORCLOSURE? Reduce your mortagage & save money. Legal loan modification service. Free Consultation. Call PREFERRED LAW 1800-915-4832. FOR SALEDISH TV Retailer. Starting at $19.99/month (for 12 mos.) & High Speed Internet starting at $14.95/month (where available.) SAVE! Ask About SAME DAY Installation! CALL Now! 1-800-2814970
Home Improvement
HELPING Hands Home I m p r o v e m e n t s Experienced in but not limited to: Carpentry, Painting, Roofing, Siding, all home repairs. Affordable, Dependable and Honest. Call or text 304-268-5414. R/R Construction: Sunrooms, garages, additions, ceramic tile, laminate flooring, bathrooms, Handyman ser vices, kitchen and painting. Quality that will last a lifetime. Call 304-754-7041. WV 004871. Let me help you with your Spring projects!
House Cleaning
CLEANING lady with 20 years experience will clean your home weekly, biw e e k l y, o r m o n t h l y. Licensed, Bonded & Insured. Low affordable rates. 304-995-7240. HOUSE Cleaning and Organizing plus Runs Errands. Reliable, Low Rates. References Available. Please call KT 304-283-3834.
Painting
SLONAKERS Painting and Cleaning LLC. Neat and Reliable. Strip and Wax VCT Floors. 304-579-5548.
Misc. Services
P R O PA N E ! ! ! . . . . a n d p r o p a n e a c c e s s o r i e s. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! O p e n E V E R Y d a y. FA L L I N G W AT E R S CAMPSITE. 304-2742791. ROAD Work and Maintenance, Pot Holes, Ditch Cleaning, Drainage Pipes Replaced, Grading, Crowning, Stone Hauling 10 to 20 tons per load. No charge for gateing. R e s i d e n t i a l o r Commercial. Licensed and Insured. Free Estimates. 304-262-4511. SPORTS Physical $50 & D.O.T. Physical $89. Same Day Exam. Dr. Chambers 304-263-4927.
SHE SNORES MORE THAN I DO, BUT I STILL LOVE MY HUMAN.

BANDIT adopted 11-26-09
MacNet
ADOPTION- A CHILDLESS MARRIED COUPLE seeks to adopt. Will be fulltime mom and devoted dad. Financial security. Expenses paid. Call/text. Patricia & Adam. 1-800790-5260. ANNOUNCEMENTS- All Things Basementy! Basement System Inc. Call us for all your basement needs! Water proofing? Finishing? Structural Repairs? Humidity and Mold Control. Free Estimates! Call 1-866-5890174. ANNOUNCEMENTSFeeling older? Men lose the ability to produce testosterone as they age. Call 888-476-0957 for a FREE trial of Progene-All N a t u r a l Te s t o s t e r o n e Supplement.
CadNet
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Page 8
FOR Sale- SAFE STEP TUBS. Enjoy safety, comfort and theraputic relief from the best walk-in tubs made in the USA. Call 1-888-734-4527 for FREE information and SENIOR DISCOUNTS.

LOTS & ACREAGE- 3 COUNTY LAND LIQUIDATION! UPSTATE NY 21 TRACTS, 5 to 147 acres from $14,900 So TIER - CATSKILL MTNS - C A P I TA L R E G I O N ! S t a t e L a n d , Po n d s, Streams, Views! Gteed buildable! Special financing & incentives! Call for free info packet (888) 738-6994 newyor klandandlakes.com M E D I C A L / H E A LT H Canada Drug Center is your choice for safe and affordable medications. Our licensed Canadian mail order pharmacy will provide you with savings of up to 90 percent on all your medication needs. Call today 1-800-254-4073, for $ 1 0 . 0 0 o f f yo u r f i r s t prescription and free shipping. WANTED To Buy- CASH for your sealed, unexpired DIABETIC TEST STRIPS! Free Shipping, Top $, 24hr Payments! Call 1-855-5787477, ESPANOL 888-4404 0 0 1 o r v i s i t www.TestStripsSearch.co m. WANTED- CASH FOR C A R S : C a r s / Tr u c k s Wanted! Running or Not! We Come To You! Any Make/Model. Instant Offer Call: 1-800-569-0003.
NANI
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A PA R T M E N T S F O R RENT- RETIREMENT A PA R T M E N T S , A L L INCLUSIVE. Meals, transportation, activities daily. Shor t Leases. Monthly specials! Call (877)2104130. A U T O D O N AT I O N S CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, M a ke, M o d e l s. Fr e e Towing! Were Local! 7 days/Week. Call Toll Free: 1-888-416-2330.
GARAGE DOORS Insulated Raised Panel

White, Brown, Almond or Taupe Torque Master Spring - Lock Foamcore R - 8
9x7.....$387 9x8.....$438 16x7...$638 16x8...$738

Odd Size-Call For Price
WV013538
Garage Doors
3167 Valley Pike Winchester, VA
Lewin-Yount
540-662-1361
location MARCH 2014

54 Forever Green Drive, Falling Waters, WV
MOVING to our new
304.274.6171
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www.rspgunshop.com
Spring IS Coming!
Need Storage Space?
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304-754-4800
Call today... 304/262-4436 www.geffertlaw.com

114 S. Maple Ave., Martinsburg, WV 25401
Page 9
Financial considerations for those nearing retirement Determine the best time to refinance a mortgage Things to know about credit scores
Page 10

Many consumers are aware of the importance of having a good credit history. A strong credit history means consumers have a high credit score, which can help them secure home and auto loans with reasonable interest rates. But while consumers may know the signicance of a good credit score, they might not know about the credit score itself. The following are a few things even consumers with strong credit histories may not know about that three-digit gure that can have such a substantial impact on their lives. You have multiple credit scores. The success of Web sites offering free credit scores, and those sites popular television ad campaigns, opened many consumers eyes to the reality that they have multiple credit scores. Thats because each of the three credit bureaus has its own way of determining an individuals credit score. Experian, Equifax and TransUnion each has their own proprietary scoring model. As a result, consumers typically have three credit scores. Though these scores are often within a few points of one another, thats not always the case. Adults planning to apply for loans should nd out all three of their scores before beginning the loan application process. If one score is considerably lower than the other two, examine each of the three reports thoroughly to determine if there are any discrepancies. Your score is constantly changing. Just because you have

a great credit score today does not mean that score will be just as stellar tomorrow. Thats because credit scores are constantly in ux. When determining your credit score, credit bureaus consider a host of factors, including whats known as a credit-utilization ratio. This compares the amount of debt an individual is carrying to his or her total available credit. If your credit score last month was excellent but you have spent much of the past month piling up charges, then that score has probably lowered, even if you havent missed a payment. Carrying balances and/or missing payments can quickly turn a great score into one that raises a red ag with prospective lenders. Credit scores sometimes benet from debt. Many consumers are aware theres such a thing as good debt and bad debt. Credit card debt is typically considered bad debt, as credit cards often charge much higher interest rates than lending institutions that give consumers chances to build good debt. Installment loans, which include mortgages and auto loans, give consumers the opportunity to demonstrate they can make steady payments over a prolonged period of time, and each timely payment can boost a consumers credit score. However, men and women should be aware that missing installment loan payments can have a very detrimental impact on their credit scores.
Things to know about credit scores
Financial considerations
for those nearing retirement
Retirement can simultaneously excite and distress men and women as they approach the day when they end their careers. Anticipating the freedom can be exciting, while concerns about maintaining nancial independence can be stressful. Though there are no guarantees that men and women who prioritize retirement planning will not outlive their nances, those who do arrange their priorities in such a manner are far more likely to enjoy a comfortable retirement without worrying about their nances. Assess your resources. An honest assessment of your assets will help you determine a retirement lifestyle you can afford. Assets can include any property you own, investments, savings, and retirement accounts. Make a list of your monthly expenses. Once you have assessed your resources, make a list of your monthly bills. Mortgage payments, healthcare costs, taxes, and food are among the essentials, while additional expenses like travel and entertainment will need to be factored in as well. When considering monthly expenses, keep in mind that some of those expenses, including mortgage payments and commuting costs, will likely disappear, while others, including healthcare costs, are likely to increase signicantly. Once you have assessed your resources and expenses, you can then begin to paint a picture of the retirement lifestyle you can afford to live.
Especially as you near retirement.

Be proactive when it comes to your financial health. Its never too late to get on the right path to a healthy financial future. Let us help you get where you need to be. Like a good neighbor, State Farm is there.
CONTACT AN AGENT TODAY.
John W. Slough, CPA

Certified Public Accountant and Consultant
Your Small Business Service Center
Financial Statements, Tax Preparation, Estate Planning & Estate Tax Preparation, Individual & Business Tax Services Monthly, Quarterly, Tax and Payroll Services
Visit our website at: www.johnwsloughcpa.com Email: johnsloughcpa@wvdsl.net
John W. Slough, CPA

Phone 304.267.2020 fax 304.267.2051 36 Years of Accounting Experience Now accepting new Tax & Accounting Clients
Page 11
With Citys Champion Mortgage, you can buy a home with as little as 3% down*, no PMI (up front or monthly), $795* in closing costs and low rates. Stop by any of our offices for more information.
Tom McCarthy 304-728-7803 Ian Gingold 304-264-4550
* Not available for fixed rate or construction loans. Closing costs include expenses for appraisal, title search, credit report, flood determination and recording. Closing costs do not include expenses for prepaid interest, hazard or flood insurance, owners title policy, or real estate taxes. For example, based on a $100,000 loan amount at an estimated interest rate of 3.99% (4.273% APR) for a 5/5 Adjustable Rate Loan for 30 years, the monthly payment is $476.84. Interest rate is accurate as of 02/11/2014, is subject to change, and may increase/decrease after the first five years. Limited time offer.
Page 12
Generic foods make cents

Generic cereals and produce are often identical to their brand name counterparts but tend to cost significantly less.
Generic foods line the aisles of grocery stores, often right alongside more wellknown brands. Many consumers know that generic foods cost less, and price is a denite selling point. But how do these products measure up in taste and quality? Very often the differences are negligible, meaning generic products make smart buys. By switching to generic or store brands, shoppers can save hundreds of dollars a year. Generic foods tend to be less expensive than brand-name items because manufacturers of generic products do not advertise or market such products, not because they are made with inferior ingredients. With no television commercials to pay for,
generic manufacturers can pass the savings on to the consumer. This helps consumers stretch their food budgets that much further. A little-known secret of generic brands is that many are actually produced and shipped from brand-name facilities. A company that produces a certain brand of breakfast cereal may also package that product under a generic label. The ingredients are identical, but the price is not. In many instances, the taste of generic foods may be comparable to brand name alternatives. When generic products do taste differently, such differences are often minor. At the very least, generic ingredients can be used in recipes where differences in taste are nearly impossible to notice. Those ready to try generics can begin by experimenting with a certain products. Buy a small serving size of the desired product and try it, then try it again, and you may be surprised by the results. Cereal: A consumer can save anywhere from 25 to 50 percent on generic cereal. If children insist on a brand that they saw on a commercial, buy it once in the branded variety, then save the box and rell it with a generic cereal. Soda: Although relatively cheap to produce, brand-name sodas are often much more expensive than generic versions. Many generic colas are comparable to the better-known brands. Salt, our and spices: Generic baking ingredients can save consumers lots of
money, and few people are likely to notice a difference in taste. Flour is our, and there is likely only a minimal difference between one packaged by a store and one packaged by a name company. Frozen french fries: French fries are simply potatoes sliced and fried, then ash-frozen. There is little taste difference between unseasoned varieties of french fries between brands. Medications: Opting for generic pain relievers can save you quite a lot of money. These drugs are subjected to the same rigorous testing as namebrand medicines, so consumers can rest assured that they are safe. Produce: Whether an apple has a name brand on it or a generic label, it will taste the same. Lettuce, vegetables and other foods sold in the produce department can all be purchased as generics rather than brand names without sacricing quality. Baby formula: There is a public perception that generics are cheap and bad for you, which is why some shy away from generic baby formula. But parents who compare the containers side-byside are likely to nd the same exact ingredients in formulas. The taste and the texture may be slightly different, but the products are nearly identical. The Infant Formula Act requires specic procedures be followed in making infant formulas, which means the generic brands must be just as safe as their brand name counterparts.
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Page 13
Real estate investing for beginners

On the heels of a recession that saw home values drop, many would-be investors have shied away from buying investment properties. But real estate has historically remained a sound investment, boasting a long-term appreciation rate that makes it a worthwhile investment for those who can withstand temporary setbacks in housing prices and hold on to their properties over the long haul. But investors are often nervous as they look for their first properties. Uncertainty about housing prices aside, investing in real estate also is risky, and first-time investors need to be comfortable with such risk in order to make the most of their investments. The following are a few things potential real estate investors should consider as they decide if investing in real estate is right for them.
Personal ability Real estate investors typically have tenants, and those tenants inevitably have needs. Investors who have experience as contractors may not nd it difcult to renovate a property and make it more attractive to tenants, nor are they likely to be inconvenienced when minor issues on the property need to be addressed. Investors with no such experience will need to hire contractors to do the work for them, cutting into potential prots down the road. In addition, investors who dont have the ability and/or the time to address minor issues like a clogged drain or a drafty window on their own will need to hire a property management rm to tend to such needs. Such rms are effective, but also expensive, further cutting into your prots. Even those investors with contracting experience may have little or no knowledge of how the leasing process works, forcing them to rely on a real estate rm to write up leases and ensure all leases stay current. This, too, can cut into an investors prots. Investors who dont bring any relevant expertise to the table can still make a prot from their real estate investments, but those prots likely wont be as signicant when outside companies must be hired to ensure the property is in good shape and all necessary documents are in order and up-todate. Time Real estate is often a time-consuming investment. Tenants pay good money to live in attractive rental properties, and those tenants will have a host of needs that must be met. Investors must be sure they have the time to address their tenants concerns, especially investors with no plans to hire property management rms. Potential investors who already have full plates at work and at home may not be able to devote the time necessary to make the most of their real estate investments, and therefore might be better off nding
Size First-time real estate investors might be wise to choose a smaller property for their initial investment. Larger properties can be overwhelming to manage, and investors often rely on property management rms to tend to these properties. Such rms charge more to manage bigger properties, which can eat into investors nances. Veteran investors can handle such overhead costs, but rst-timers might nd themselves caught off guard upon realizing the gravity of their nancial commitment. A good rule of thumb for rst-time investors is to stick to smaller properties, only moving on to larger buildings once they are fully comfortable with all that comes with investing in real estate. Costs The cost of a real estate investment goes beyond the purchase price of the home. In addition to the mortgage on the property, investors must pay the taxes and insurance on the property, as well as any costs associated with maintaining and managing the property. Certain tax breaks are available to real estate investors depending on where they live. For example, in the United States, taxes on the prots when a property is sold may be deferred if those prots are immediately rolled into another property (such a deferment is only available to those investors who arrange this exchange prior to selling the initial property). Potential investors need to consider all of these costs, and might want to hire a real estate lawyer to help them make the most of their investments and any prots they yield. But even hiring an attorney is an additional cost investors must consider before investing.
another way to invest their money. Time also must be considered when considering prots. Real estate is not the type of investment that turns a prot overnight. Even investors who are looking to invest in an up-and-coming neighborhood must be prepared to hold onto their properties for at least a few years, if not much longer, to maximize their investments. Though real estate is a sound investment, it is not a get rich quick type of investment, so investors looking to make a quick buck should consider alternatives before buying investment properties.
74,900
69,900
62,900
39,900
Page 14
How to earn a more affordable mortgage

Home ownership remains a dream for many people. But on the heels of the recession that began in late 2008, prospective home buyers are nding it far more difcult to secure a mortgage than it was in the years before the economy took a turn for the worse. Stricter guidelines now govern both borrowers and lenders alike, and the process can quickly frustrate prospective homeowners. But strict guidelines and more diligent lenders do not mean prospective borrowers will not be able to secure a loan to nance their home purchases. It just means those borrowers might want to take every stop possible to ensure their loan applications are approved and their mortgages are affordable. Address credit concerns before beginning the process. Poor credit is a prospective borrowers worst enemy, and its an instant and glaring red ag to lenders. And thanks to inaccuracies on their credit reports, some people may have poor credit and not even know it. Before they even begin the process of applying for a home loan, would-be applicants should go over their credit reports with a ne tooth comb, ensuring there are no potentially harmful inaccuracies that may affect the ability to secure an affordable mortgage. Inaccuracies or poor credit histories can bring down individuals credit scores, which lenders use to determine home loan interest rates. So prospective applicants should have any errors to their credit reports corrected and/ or work to improve their credit scores before applying for loans. Pay down debt. Even if an applicants credit score is solid, lenders may scoff at applicants with substantial amounts of debt. Credit card debt should be paid down before beginning the process, and it also may benet applicants to pay off any additional loans, such as car notes or student loans, before applying for a home loan. The less debt an applicant has, the more attractive that applicant becomes. Avoid overusing credit cards. Using credit too frequently also can make it more difcult for prospective home buyers to secure a home loan. Credit card holders each have a maximum limit on their credit cards, and nancial experts recommend using less than 20 percent of available credit to maintain a strong credit rating. Dont bluff on loan applications. Some borrowers might be tempted to inate their earnings on home loan applications, including counting overtime or bonuses they havent yet earned when listing their annual income. Borrowers can expect lenders to request documentation of any extra income, including bonuses, so applicants should avoid including additional income on their applications unless they can prove it. Applicants also must avoid hiding past issues on their applications. Banks performing their due diligence will eventually discover any past problems, so applicants should be straightforward from the start. Applicants concerned about their earnings should know that its acceptable to include information about assets such as retirement plans and savings even if those funds dont gure to be used to pay the mortgage. Make a substantial down payment. Lenders look fondly on borrowers who can afford hefty down payments, feeling that such borrowers are less likely to default on their loans. In addition, the larger the down payment, the less the monthly mortgage payment will be, saving borrowers a signicant amount of interest fees over the course of the loan.
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These home improvements may actually lower home value

Home improvements are typically made to improve the functionality and look of a home, but renovations also can increase the value of a home. Certain changes to a home can make it more attractive to prospective buyers, while other renovations may make a home less appealing. For example, a complete overhaul of an outdated kitchen is often a smart nancial move, while installing a pool or hot tub may not be worth the cost to homeowners. Separating the good from the bad renovations makes smart nancial sense, and homeowners looking to improve their homes resale values may want to avoid the following projects. Bedroom and garage conversions: Changing a rooms traditional function often turns off buyers. For example, turning a garage into a home gym might seem like a great idea for you, but it may not be so appealing to prospective buyers. Buyers can certainly reconvert the space, but they would consider the costs of such a conversion when making their offers on the home. Stylized colors on trims and rooms: Painting over unappealing colors is a project many homeowners can handle. However, some may be discouraged by a home that has too many bright colors or textures on the walls and trims. Buyers often want homes that are move-in ready, meaning they can get settled in before undertaking large projects. A living room painted in purple or zebra print may not t the design scheme of many buyers. Dark colors do not easily disappear, and taping off and painting trimwork or changing it entirely can be equally time-consuming. Stick with neutral colors when selling a home, even if this means giving rooms a new coat of paint before putting your house on the market. Removing closets: Closet space is often high on buyers priority lists. Turning closet space into an ofce or removing a closet to make a room bigger may be ne for those who are staying put. But these modications can be a turn-off to prospective buyers. Too many features: In an effort to keep up with the Joneses, some homeowners will over-improve their home to the point that it outshines all others on the street. There is a case for having nice things, but homeowners may struggle to sell a home that is disproportionate to other homes in the area. These suggestions are merely guidelines and should not replace the advice of a reputable real estate agent when marketing a home.
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Page 15
Pros and cons of reverse mortgages

Chances are you have come across an advertisement for a reverse mortgage and have probably wondered what this type of mortgage is all about. Geared toward seniors, reverse mortgages are growing in popularity and inspiring the curiosity of older homeowners. A reverse mortgage is a loan offered to people over the age of 62 that enables borrowers to convert part of the equity in their homes into cash. People of retirement age may nd that their limited income can make monthly expenses more difcult. Reverse mortgages were conceived as a method to helping people at this stage in life use the money they put into their homes to pay off debts or cover routine living expenses. The loan is dubbed reverse mortgage because instead of the homeowner paying money to a lender as is customary with a traditional mortgage, the lender makes payments to the borrower. Whats more, the borrower is not required to pay back the loan until the home is sold or vacated. As long as a person is living in the home he or she is not required to make any payments toward the reverse mortgage loan balance. However, the borrower must remain current on insurance and tax payments. When a person takes out a reverse mortgage, he or she may borrow a portion of the market value on the home. As of 2012, the maximum loan amount available in the United States was $625,000. Any outstanding existing mortgages are paid off with the proceeds of the reverse mortgage, and either a lump sum of the balance or monthly payments are established. safety improvements. The funds can also be put toward medical expenses or travel or to help family with their own nancial needs. Because the government insures the reverse mortgage program, borrowers need not worry about receiving their payments. Should a lender fail to make a payment, the borrower is eligible for that money and a late fee as well. Another benet of reverse mortgages is they protect homeowners against falling home prices. If the value of the home drops after the loan is negotiated, it will not affect the equity value assessed for the life of the loan. CONS One down side to reverse mortgages is that the loans have higher up-front fees than other types of financing. Borrowers have to pay not only an origination fee and closing costs, but mortgage insurance costs as well. These initial costs can be several thousands of dollars. Unlike a traditional mortgage, where the balance gets lower and lower over time, with a reverse mortgage, no payments are being made on the loan. This means the loan balance simply gets larger over time depending on how much money is drawn from the homes equity. At the end of the loan, when the homeowner moves from the property or the premises is vacated upon the borrowers death, the value of the estate decreases based on the pay-off value of the reverse mortgage loan. Heirs will pay off the mortgage by selling the home and will only inherit the remaining money after the reverse mortgage lender has the loan satised. This means men and women will be leaving less money for their heirs, but those heirs will not be personally liable if the home sells for less than the value of the mortgage. The mortgage lender has to claim a loss and request reimbursement from the Federal Housing Administration. Something many seniors may not be aware of with regard to reverse mortgages is that these loans can affect eligibility for some need-based programs. Although Social Security and Medicare are not affected, Medicaid and other government assistance programs can be affected if a senior has a surplus of funds from a reverse mortgage that are not spent during the month. A reverse mortgage is a long-term solution. People who are looking for a short-term x will nd that this type of loan probably doesnt meet their needs. Furthermore, it is hard to be approved for reverse mortgages on newly purchased homes. Lenders usually like to see at least six months or a year chain of title on a property before issuing a reverse mortgage. Many seniors often find reverse mortgages confusing. Seniors may unwittingly agree to a loan without fully understanding the scope of the reverse mortgage. It is adviseable to seek counseling on reverse mortgages before applying for one.
A homeowner may also opt for a line of credit with the reverse mortgage proceeds. Here is a more in-depth look at the pros and cons to reverse mortgages. PROS A reverse mortgage enables seniors to live in their homes for the rest of their lives without fear of mortgage payments. Because there are no payments being made during the life of the loan, borrowers do not have to meet income requirements or credit checks. As long as the borrower continues to maintain residence in the home, he or she is still eligible for the monthly payments received through the reverse mortgage. This money can be used for any purpose and is tax-free. Borrowers can opt to modernize their homes or make
Reverse mortgages enable seniors to retire comfortably in their own homes. But that comfort does come with some drawbacks
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How to pay off your mortgage early

Though the apprehension over mortgage payments may wear off once homeowners get settled, that doesnt mean homeowners dont wish they could pay off their homes before those mortgages reach maturity. Though it might seem impossible in those rst few months after buying a home, paying a mortgage off early can be accomplished in a variety of ways. Increase what you pay each month. Any type of loan, be it a traditional credit card or a mortgage, will disappear faster when borrowers pay more than the bare minimum. By paying just a little more each month, more of your money is going to the principal on the loan, lowering the amount of interest you will pay over the life of the loan at the same time. For example, a $200,000 30-year mortgage loan at 7 percent interest will cost borrowers $1,330.60 per month (costs may vary depending on taxes), and that loan will be paid off in 30 years. But borrowers who increase their payments by just $50 per month can pay off the loan in 26 years and nine months. Whats more, borrowers who only make the minimum payment each month will have paid $279,017.80 in interest charges over the life of the loan, while those who increase each months payment by just $50 will have paid just $242,588.80 in interest over the life of the loan. That means that extra $50 per month saves borrowers $36,249 in interest charges. One thing borrowers must be certain of is that any extra money they send in each month is applied to the loans principal, and not just set aside for the next months payment. Talk to your lender to verify this, and when doing so, make sure you dont have to pay any prepayment penalties if you do, in fact, pay the mortgage off before it reaches full maturity. Such penalties can be signicant, but they might be worth paying for the peace of mind of knowing you will be paying your mortgage off several years early. Consider bi-weekly payments. Bi-weekly payments, in which borrowers make half-payments every two weeks instead of one full payment once per month, are another way to pay your mortgage off early. A typical mortgage agreement has borrowers making payments once per month, meaning they are making 12 annual payments. But a bi-weekly payment system takes advantage of the fact that there are 52 weeks in a year. So by the end of one calender year, you will have made 26 half-payments, or 13 full payments. Such a payment system enables some borrowers to pay off their 30-year mortgages in as little as 24 years. When looking into bi-weekly payments, consult your lender to determine if there are any penalties to such a system. Some lending institutions charge customers who change their payment structure. In addition, conrm with your lender that each extra payment is going toward the principal and not toward your rst payment next year. Renance your loan. Renancing to a shorter-term loan often earns borrowers a smaller interest rate, which can offset the higher monthly payments that accompany shorter-term loans. A shorter-term loan means you wont have mortgage payments hanging over your head for as long as you would on a 30-year mortgage, and it also means you wont pay nearly as much in interest over the life of the loan. Many homeowners nd a 15-year mortgage forces them to be more disciplined. Homeowners who nd their 30year monthly mortgage payment is well below their means should consider a shorter-term loan, especially if their 30-year mortgage would penalize them for paying the loan off before it reaches full maturity. Mortgage payments have a way of dominating homeowners thoughts. But those homeowners who want to get out from under their mortgage payments without selling their homes have a handful of options at their disposal.
Becoming a homeowner is a great feeling for many people, but that feeling of elation often dissipates when the first mortgage payment comes due. Although most responsible buyers shouldnt be surprised at the amount of that first mortgage payment, that first bill can still catch someone off guard.
Determine the best time to refinance a mortgage

Renancing a mortgage is advantageous to homeowners for a variety of reasons. The primary reasons people renance their mortgages are to reduce their monthly payments or free up equity to use toward home improvements or other necessities. Lenders will frequently advertise that now is the time to renance, but people may want to get all of the facts before making their decisions. A low interest rate is not reason alone to renance. Conventional wisdom has long suggested that borrowers wait to renance until interest rates drop 2 percent below their current rate. While a low interest rate is important, there are several other factors to consider. Closing costs: Renancing a home is an expensive undertaking. While it can effectively shave $100 or more off your monthly payments, there is a nancial outlay during the process, which includes closing costs. A person can expect to pay anywhere from 2 to 5 percent of the loans value in closing costs when renancing. Lenders used to enable some to roll the cost of the closing into the mortgage, but stringent rules have changed the way many banks now do business. If the nances are simply not there to cover the closing costs, renancing may not be an option. Credit rating: If your credit rating is better now than it was when you initially earned your home loan, then this might be a good time to renance. Not only will a person benet from a low market rate, the interest rate may be even lower because lenders look more fondly on you now than they did years ago. Lenders often base their assessments of borrower reliability and stability on those potential borrowers credit scores, so a strong credit score makes you look better in the eyes of lenders. Borrowers with poor credit ratings may not benet from renancing. Income: A persons debt-to-income ratio is another factor in determining mortgage interest rates and approval. A positive change in income status as well as reduction in debt could make it a good time to renance. Adjustable rate mortgages: Many people opted for adjustable rate mortgages when buying homes years ago. Over time, their monthly payments may have increased considerably, making it nearly impossible to afford a home. Renancing for a xed-rate mortgage, regardless of the current interest
rate, will likely ease some of your nancial burden. Home value: A higher home value means more equity in the home. This money can be used to pay down debt or for home improvements that further improve the value of the home and property. It is important to speak with a real estate professional to determine if home values have spiked in a particular neighborhood and to gain an accurate appraisal of the home. This will help determine if renancing is frugal. Interest rates: Lower interest rates often motivate homeowners to renance, as a lower interest rate can save homeowners a substantial amount of money over the course of their loans. However, renancing
too soon (within 4 years of the original home loan) may put homeowners in a negative light. Lenders may see borrowers who renance too soon or too frequently as risky borrowers who cannot successfully manage their money. Prepayment penalties: Certain mortgages have prepayment penalties built in. Should a person pay off the mortgage too early, usually within two to ve years, 2 to 4 percent of the homes loan value must be paid out. Renancing counts as paying off one loan and opening up another. Penalties could deter a person from renancing too soon. Determining the best time to renance your home mortgage takes effort on the part of the borrower and information about market trends.

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Whats Happening at the Martinsburg-Berkeley Co. Public Libraries?

Martinsburg Public Library 304-267-8933
Monday, Beginning Mar 3 - 9:30am-8:00pm Tuesday, Beginning Mar 4 - 9:30am-5:00pm Saturday, Beginning Mar 8 - 9:30am-1:00pm AARP Tax-Aide ~ no appointments ~ no phone calls No Tax-Aide if the library is closed. Saturday, Mar 8 - 2:00-4:00pm An Introduction to Genetic Genealogy / Keith Hammesla Saturday, Mar 15 - 2:00-4:00pm Singin on the Rails / Ed McDade, singer & Song writer Friday, Mar 21 - 10:00am-2:00pm E-Reader / Audiobook Help Sessions Saturday, Mar 22 - Self-paced computer class. Call 304-267-893 to register. Tuesday, Mar 25 - 6:00-9:00PM Self-paced computer class. Call 304-267-8933 to register. Thursday, Mar 27 - 5:00pm - Library Board Meeting
Design Contest Open to all ages. Design a logo for the Childrens Summer Reading Program. Check with your local library for details.
Musselman - South Berkeley Community Library 304-229-2220

Saturday, Mar 1, 8, 15, 22 & 29 - 1:30pm Family Story Time Wednesday & Thursday, Mar 5 & 6, 12 & 13, 18 & 19 and 26&27 - 10:30-11:30am Story Time & craft Thursday, Beginning Mar 7 - 11:00am-4:00pm AARP Tax-Aide ~ no appointments ~ no phone calls No Tax-Aide if the library is closed. Mar 9-15 - Teen Tech Week / Call the Library for details Tuesday, Mar 11 - 10:30am Applesauce Book Discussion ~ A Death in the Family / James Agee Thursday, Mar 13 - 4:00pm Middle Reader Book Discussion Group reads TheStrange Case of Origami Yoda / Tom Angelberger Thursday, Mar 20 - 10:00am - 2:00pm E-Reader / Audiobook Help Sessions CLOSED MONDAYS
In case of Inclement weather tune to: 740AM WRNR - 106.5 WEPM - 1340AM WLFT 97.5FM or look for announcements posted on FACEBOOK and Twitter at Martinsburg-Berkeley County Public Libraries.
North Berkeley Public Library, Spring Mills 304-274-3443

Tuesday, Mar 4 - 6:00-7:00pm LEGO Freeplay Fridays & Saturdays, Mar 7 - Apr 4 - 10:00am - 3:00pm AARP Tax-Aide - BY APPOINTMENT ONLY! - No Tax-Aide if the library is closed. Thursday, Mar 6, 13, 20 & 27 - 10:00am Story time & craft Tuesday, Mar 11 - 6:00-7:00pm Activity & Game night Monday, Mar 17 - 10:00am - 2:00pm E-Reader / Audiobook Help Sessions Tuesday, Mar 18 - 6:00pm Friends of North Berkeley Library meeting Thursday, Mar 20 - 2:00pm I GEEK Gardening / Jane Sullivan Tuesday, Mar 25 - TBA Family Lego Club ~ call the library for details Wednesday, Mar 26 - 1:00pm Spring Mills Readers meet to discuss Colored People / Henry Louis Gates, Jr. CLOSED SUNDAYS
Childrens Department,
Martinsburg Public Library 304-267- 8288
Saturday, Mar 1 & 15 - 10:30am Stories on Saturday Wednesday, Mar 5, 12, 19 & 26 - 9:30am Wee Ones Thursday & Friday, Mar 6&7, 13&14, 20&21, 27&28 - 10:30am Pre-School Story Time & Craft Saturday, Mar 8 - 10:30a Book to movie ~ The Lorax Tuesday, Mar 11 & 25 - 6:00-7:00pm READ dogs Monday, Mar 17 - 10am-3pm E-Reader/Audiobook Help Sessions Thursday, Mar 20 - 4:30pm Middle Reader Book Discussion Group reads The Strange Case of Origami Yoda / Tom Angelberger Saturday, Mar 22 - 10:00am-3:00pm Farm Festival at the Martinsburg Mall Saturday, Mar 29 - 11:00am Cece Bell & Tom Angleberger ~ Authors @ the Library
Naylor Memorial Library, Hedgesville 304-754-3949

Tuesday, Mar 18 - 10:00am-2:00pm E-Reader / Audiobook Help Sessions Wednesday, Mar 19 - 1:00pm The Naylor Memorial Book Discussion ~ One Thousand White Women / Jim Fergus. The group meets at the CNB Bank meeting room near Hedgesville. Contact the library for more information. CLOSED SUNDAYS
Page 18
Asphalt
Barber Shop
Carpentry
Flooring Decks Bathroom & Kitchen Remodels Int. & Ext. Painting Crown Molding Custom Designs Tile Work HOA/Refer a Neighor Discounts and Much Much More! Drywall Hanging & Finishing Basement Finishing Nicholas Landon 304-270-0300 Locally Owned & Operated Licensed & Insured Matthew Licodo 304-279-5566
Construction
CARPENTRY
No job too large or small!
Homes Additions Remodeling Decks, etc...
ENTERPRISES
Serving Tri-State For 35 Years
CBP
FREE ESTIMATES
Collins Barber Shop

2 Barbers to better serve you
Lawn Maintenance Asphalt, Sealcoating & Repairs, Landscaping Designs, Patios, Decks, Fencing & Retaining Walls
304-229-0123 2 Locations:
20 Pedal Car Drive Inwood, WV on Route 51 beside CVS
&
LANDSCAPING Snow Plowing Salting Leaf Removal Gutter Cleaning Home Winterization
FREE Estimates
CONSTRUCTION
Licensed & Insured WV032927
COE
304-267-2430 or 304-671-9057
Licensed & Insured
103 W. Washington Street Charles Town, WV 304-725-0123
OPEN MONDAY THRU SATURDAY CLOSED SUNDAY
304.754.5978 304.676.6861 Cell
Coffee Delivery
Construction
Now Offering All of Your Landscaping & Lawn Care Needs!
Licensed & Insured Free Estimates
Drywall
Coffee Home & Office Delivery Change Your Coffee. Change Your Life.
Have the convenience of having your coffee delivered to you personally.
YARD SALE RATES
30 Words for Only $9

30 each additional word.
FREE ESTIMATES
Custom Trim Work Cabinetry Drywall Painting Flooring Decks Garages Remodeling Basement Finishing Additions & Much More
Drywall & Repairs D WV041836 30 Years Experience

Reasonable Rates
Deadline: 11 AM Monday
Buyers Guide, 415 Wilson St. Martinsburg WV 25401
Call (240)357-1679
This Spot Could Be Yours For As Little As $ 25 A Week!
Call 304-267-9983
Hauling
Kenny Stanley, Owner
304-350-0300
Electrician
304.725.5409
Licensed & Insured
Phone: 267-9983 Fax: 263-7106 E-mail: ads@yourbg.com
Excavating/Hauling
Handyman
OVER 20 YEARS EXPERIENCE

LICENSED & INSURED MASTER ELECTRICIAN WV026307
SCOTTS ELECTRIC
Handyman Labor Services

Give Us Your To Do List, Well Get It Done!
Gutter Cleaning Home Winterization Leaf Removal & Yard Waste Basements Bathrooms Painting Fences Decks
229-8816
Residential/Commercial Snow Removal

FREE ESTIMATES
NOW SELLING TOPSOIL & BLACK SHALE
30+ Yrs. Exp.
FREE Estimates 3042677745
304-279-1949
Licensed & Insured Accepting Major Credit Cards www.handymanlaborservices.com
Hauling/Lawncare
Heating & Air Conditioning
Landscaping/Snow Plowing
Leslies Hauling & Removal

Ill Haul It All
Foreclosures Rental Properties Junk Metal Hauled Away Car Removal Trash & Debris Tree Removal
O.W. Hauling
We Haul It All 5 Tons at a Time
Screened Topsoil Mulch Stone Aged Manure Sand Compost Firewood Delivered Junk & Debris Removed - FREE ESTIMATES -
CLARKS ENTERPRISE
LANDSCAPING LAWN MOWING SNOW PLOWING YEARLY LOT MAINTENANCE NEW SOD INSTALLATION CUSTOM INTERIOR & DRYWALL REPAIR HAULING FENCING
FREE ESTIMATES
P .O. Box 684 Martinsburg, WV 25402
Fax: 304-263-4510 sclark6112@aol.com
Commercial & Residential Fast & Reliable Service
16 YEARS EXPERIENCE
Call Dave: 304-728-1014 Cell: 304-676-9492

Licensed & Insured
304-264-5966
CHECKS
304-279-8200
WV Lic#043347
Want To Get Your Business Up & Running?

Service Oriented Businesses Place Your Ad in our Business and Service Directory! For More Information, Call 304-267-9983

HELP WANTED- Ear n Extra income Assembling CD Cases From Home. Call our live Operators Now! No experience Necessary 1800-405-7619 Ext 2605. w w w. e a s y w o r k greatpay.com HELP WANTED: HOMEWORKERS NEEDED!!! $500 - $1,500 WEEKLY Potential MAILING B R O C H U R E S $ 5 7 5 / We e k l y A S S E M BLING Products - Easy Online COMPUTER WORK$384/Day - MYSTERY SHOPPERS $ 1 5 0 / D a y www.HiringLocalHelp.com MISC-** Top Cash Paid For Old Guitars! 1920s thru 1980s. Gibson, Martin, Fender, Gretsch, Epiphone, Guild, Mosr ite, Rickenbacker. Prairie State, DAngelico, Stromberg, and Gibson Mandolins/Bajos. 1-800-401-0440. MISCELLANEOUSViagra 100MG and Cialis 20MG! 40 + 4 free FOR O N LY $ 9 9 . # 1 M a l e Enhancement, Discreet Shipping. Save $500! Buy The Blue Pill! Now 1-800213-6202. MISCELLANEOUS- AIRLINES ARE HIRING - Train for hands on Aviation Career. FAA approved program. Financial aid for qualified students- Job placement assistance. CALL Av i a t i o n I n s t i t u t e o f Maintenance 888-6861704. MISCELL A N E O U S AT T E N T I O N V I A G R A USERS Help improve your stamina, drive, and endurance with EverGene. 100% natural. Call for FREE bottle. NO PRESCRIPTION NEEDED! 866-2811525 MISCELLANEOUSC A S H PA I D - U P T O $25/BOX for unexpired, sealed DIABETIC TEST STRIPS! 1 DAY PAYMENT & PREPAID shipping. BEST PRICES! Call 1-888-776-7771. www.Cash4DiabeticSup plies.com MISCELLANEOUSDIRECTV $0 Start Costs! 150+ Channels $7.50/week! Free HBO/Cinemax/Showtim e/Starz+HD/DVR +NFL Sunday Ticket! Call 1800-983-2690. MISCELLANEOUSFREE DIRECTV $0 Start Costs! 150+ Channels $7.50/week! F r e e HBO/Cinemax/Showtim e/Starz! Free HD/DVR! Were Local Installers! Call 1-800-211-0681 MISCELLANEOUSMeet Singles Now! No paid operators, just people like you. Browse greetings, exchange messages, connect live. FREE trial. Call 1-877737-9447.

MISCELLANEOUSROTARY INTERNATIONAL A worldwide network of inspired individuals who improve communities. Find information or locate your local club at www.rotary.org. Brought to you by your free community paper and PaperChain. MISCELLANEOUS-CASH FOR CARS: All Cars/Trucks Wanted. Running or Not! Top Dollar Paid. We Come To You! Any Make/Model. Call for Instant Offer: 1-800864-5960. MOTORCYCLES /WANTED TO BUY: WANTED JAPANEESE MOTORCYCLE KAWASAKI 19671980 Z1-900, KZ900, K Z 1 0 0 0 , Z I R , KZ1000MK11, W1-650, H1500, H2-750, S1-250, S2350, S3-400 SUZUKI GS400, GT380, CB750 (69.70) CASH PAID, 1-800772-1142, 1-310-721-0726 usa@classicrunners.com. REAL ESTATE- 10 ACRES FREE! Buy 30-Get 40 Acres. $0-Down $188/mo. Money Back Guarantee, NO CREDIT CHECKS Beautiful Views. Near El Paso, Texas. 1-866-8825 2 6 3 E x t . 8 1 www.SunsetRanches.NET SATELLITE TV/ MISCELLANEOUS- Order Dish Network Satellite TV and Internet Starting at $19.99! Free Installation, Hopper DVR and 5 Free Premium Movie Channels! Call 800597-2464. TV/ PHONE/ MISCELLAN E O U S - D I R E C T V, Internet & Phone From $69.99/mo + FREE 3 Months: HBO, STRAZ, SHOWTIME, CINEMAX + FREE GENIE 4 Room Upgrade + NFL SUNDAY TICKET! Limited time offer 888-248-5961.
Page 19
The The m most ost dangerous dangerous ani anim mals als in in the the forest forest don don t t live live there. there.
Advertise Your Car

In The Buyers Guide
for 13 Weeks
For As Little As
14
Call
99
Up to 20 words. Limit e d to 1 it e m. P rivat e P arty O n ly!
304-267-9983
Mon.-Fri. 8:30am - 5:00pm
Must be paid at time of placement. NO refunds
ONLY YO U C A N P R E V E N T W I L D FIR E S. w w w . s m o k e y b e a r. c o m
Mower Repairs
Mower Repairs
Fast & Friendly Service Lawn Mowers Generators Welding Work Chain Saws Wood Splitters Parts & Services Zero Turns
Daves Lawn
This Spot Could Be Yours For As Little As $ 25 A Week!

Call 304-267-9983
Tree Service
Sheds Lowest Shed Prices in the 4 State!

Storage When You Can OWN A Shed For Less?
Tree Service
Tree Service
WHY RENT
500 S. Burhans Blvd Hagerstown, MD
02
&T E Tree & Lawn Service

Tree Removal & Trimming Brush Removal Lawn Mowing & Trimming
Custom Tree & Stump Removal, LLC

Ill beat ANY reasonable written proposal! Tree & Stump Removal Pruning Mowing Avail. Bobcat Work
Ask About Our Discounts
Pick-Up and Delivery Available

Inwood East 51 2 1/2 Miles
WE FINANCE!
FREE ESTIMATES
Insured
304-229-3608 Licensed & Insured

Tree Service
301-733-7433 304-240-6882
Water Delivery
Experts with 30+ Years Experience
Call 304-995-4265
240-674-3176 304-886-4751
Licensed & Insured Free Estimates
Web Site Services
TREE SERVICE & STUMP GRINDING
Large & Dangerous Tree Specialists
TREE SERVICE
Customer Satisfaction Keeps Us Climbing
SHELTONS
Serving the Panhandle for Over 16 Years!

We Meet Any Competitors Prices On 5,000 Gallons Or More!
Shop Hours: Mon-Fri 10am-6pm Sat 8am-3pm www.PicturePerfectTreeAndLandscape.com Inwood, W V 304-229-0987 Licensed Major Credit www.evelspeed.net & Insured Cards Accepted
Picture Perfect Landscape
540-539-8058
FREE ESTIMATES
Licensed & Insured
16 years Experience STORM DAMAGE TOPPING TRIMMING REMOVALS
Specializing in:
Pools Hot Tubs Cisterns Dust Control
304-262-4105
Page 20
To See Your Ad In The Employment Section... Call us for details at 304-267-9983
Get A Yard Sale Kit For Only $4.00, With Purchase Of A Yard Sale Ad... Call 304-267-9983
Senior Spirit
Yard Sales Help Wanted

D.O.T. Physical $89 & S p o r t s P hy s i c a l $ 5 0 . Same Day Exam. Dr. Chambers 304-2634927. LICENSED Electr ician needed to wire new h o u s e. C a l l 3 0 4 - 2 7 9 9225. NOW Enrolling! Train for a New Career. CDL-A Tr a i n i n g / 1 7 2 h o u r s . Allstate Career. Charles To w n , W V. Fo r M o r e Info: 304-724-8999 RETIRED senior needs employment to supplement Social Security income. Will do those jobs that homeowners never get around to or have time for like painting rooms, outside decks or whatever. Will work for low wages. 304676-8199.
Flea Markets
FLEA Market- Feb 28thMarch 1st & 2nd (Fri, Sat. & Sun.) Open 9am-4pm. Fine Glassware includes Weller McCoy- Fenton cut and press glass, Milk Glass, plus Furniture, Aersoft Guns, Tools, Antiques & More. Located in Falling Waters Flea Market 1 mile North of Sheetz on U.S 11 on left. Look for the flags.
WANTED IMMEDIATELY
EXPERIENCED/LICENSED
Nail Technician
Average Earnings
$
Work Wanted
OLDER lady wantsposition, Caregiver, Companion, Housekeeper for an older gentleman, age/health doesnt matter, prefer single with no family. 304-263-1526 LM.
90- 100 per day

Call Julie
THIS and That C o n s i g n m e n t clothing/furniture/household items and more! Check our store for weekly Specials! A little bit of this and a whole lot of that. Leetown Rd., Ke a r n ey s v i l l e , T h u r s Sunday 10am-6pm, 304724-3066.
Inform The Community Of Your Church News

Due Thursday At Noon Buyers Guide Church News 415 Wilson St., Martinsburg, WV
FAX: 304-263-7106 EMAIL: ads@yourbg.com
A Special Supplement From Berkeley County Senior Services and Your Buyers Guide
The Senior Spirit is a bimonthly publication from the Buyers Guid e a n d B e rk e l e y Cou n ty Senior Services featuring news, events, calendars, photographs, thank yous, gifts and other valuable information concerning o u r s e n i o r s . T h i s S p e c i a l Suppl e m en t to your Buy e rs Guide is an ideal opportunity to reach this vital market.
818-300-3137
Nail Spa
970 Foxcroft Ave., Suite 100, Martinsburg, WV
Reserve Your Advertising Space Today!
267-9983
Treat yourself to the best food in town!

Family Restaurant
(304) 262-4646
Breakfast Served All Day
- Fresh Country Sausage - Homemade Breakfast Gravies
DAILY SPECIALS! HOMEMADE Soups & Salads
Open 7 Days A Week! 8am-2pm

55 Meadow Lane Plaza Martinsburg, WV
A Very Special Thanks to our loyal customers for your patronage!
Dining & Entertainment Guide

Mardi
GRAS Celebration
Saturday, March 1st starting at 5PM Sunday, March 2nd - 4pm-7pm
Baked or Cajun Catfish Dinner - $20 Red Beans & Rice w/Andouille Sausage - $15
Dinner includes cornbread and your choice of an appetizer: Sausage & Chicken Kabobs w/Creole Mustard, or Cajun Meatballs and your choice of 2 sides: Salad, Sweet Potato Casserole, Cole Slaw, Glazed Baby Carrots
$ 00
$
Any 30 Purchase
www.hosss.com
Banquet Rooms Available
5OFF
Enjoy our Full Menu for Lunch & Dinner
Great Entertainment...
Saturday Night Steak Special 2 for $20
Two 8oz. Rib Eye steaks each served with a baked potato and tossed salad.
We Have The Best CRAB CAKES IN TOWN!

Check Them Out... Jumbo Lump Crab Meat, Lightly Seasoned and Grilled to Perfection!
Wednesday - Shrimp Special!

A pound of delicious, large steamed shrimp for only $9.50 EAT IN ONLY!
(304) 267-2224
195 Aikens Center Martinsburg, WV
Sun - Thurs 11am-9pm Fri & Sat 11am-10pm
*Excludes our American Value Menu Not valid with any other offers or discounts. Must present coupon. Expiration: 3/15/14
Prime Rib Special - $15.75

Every Friday & Saturday Night 12 oz. Tender Prime Rib Served w/ Au Jus & Choice of 2 Sides
Voted Best aders Karaoke by Re s Choice Award
WINGS! 50 EACH!
Mon. thru Thurs. 6-8 Eat in only
Desserts Available: Key Lime and Strawberry Pie
We Have Gift Certificates

The Perfect Solution for any Occasion
72 Pedal Car Drive, Inwood, WV
Meridian Cafe & Lounge

55MeridianParkway 55 Meridian Parkway Mart Martinsburg, rt tinsburg W WV V 304.596.2034
www.facebook.com/MeridianCafeandLoungeLLC
(304) 229-3443 www.the4cornersclub.com
PUMP HOUSE BAR N GRILL

Located on Route 45 Shepherdstown Road Martinsburg, WV 25404
UNDER NEW MANAGEMENT!

Presently California Dreams
Located at 4502 Hedgesville Road Hedgesville, WV
304-260-0100 CLEAN FRIENDLY SAFE Good Food Great Drinks Cold Beer
Clean Friendly Safe
We will be taking applications for Full Time Bartenders/Lottery Attendants. Prefer Experienced But Willing to Train the Right Individuals
Qualifications:
Must Be 21 or Over Have Transportation Must Pass Background Check & Drug Test Must Be Willing To Work Any Shift For more information or application, Call Jaspers Sports Bar: 304-262-1470 or Vicki Crouse/Manager 301-331-4382
Karaoke Contest
Grand Prices: $500- 1st Place $300 - 2nd Place $200 - 3rd Place
Runs 8 Weeks - Weekly Winners/Prizes
w/our own Karaoke Bob
- Starting March 6th
36 Veronica Drive (off Eagle School Rd.) Martinsburg, WV
304-262-8840
Where Friends and Families Get Together for A Great Time and Lots of Laughs!
Page 21
The Eastern Panhandles Automotive Source... To place your ad call 304-267-9983
South Berkeley
16 Runnymeade Rd. Bunker Hill, WV
AUTO SALES
304-229-2202
We Accept Visa & Mastercard
02 Honda Accord
$
V6, Auto, Loaded, 133K Miles
4,495 LD! SO
$
01 Chevy Cavalier
Cars
1996 Mazda Miada Convertible, runs good, $4000/obo. Call 304-7282578. 1998 Oldsmobile LSS in excellent condition, new engine 84,000, New Transmission 101,000128,000 total, detailed in N o ve m b e r. Va l u e w i l l increase. $4,500. Call 304258-5359.
1999 Toyota Corolla VE for sale; Automatic; 1.8 liter, 4cylinder ; 4-door ; A/C; AM/FM w/ Cassette; Only 85,488 miles! Garage kept - Excellent Condition inside and out. Would make a great commuter car or first car for a teen!! $3500.00 Call or Text: 304-671-8268 2000 Chevy Impala SS Package Upgrade, nice vehicle, $3,995. Call 304261-8226. 2000 Oldsmobile Intrigue GLS 4 door, Auto, Brand New Tires, 160K miles, Runs Good, Perfect Body, $1,500/Firm. Call 304350-0621. 2001 Ford Taurus 4dr., Auto, V-6, 3.0L, Runs Great, CD, Very Clean, Great Body, 112K Miles, $2,350 Firm. Call 304261-2469. 2001 Volkswagon New Beetle, 5-speed, green, runs good and clean, $1,150. Clear Title as is. If interested call 267-3445141 or 856-993-0697.
Advertise Your Car

In The Buyers Guide
2002 Suburau Legacy 4wd, 254K miles, runs great, $2,800. Call 304258-1037. 2003 Impala loaded, 111K miles, $4,000/obo. Call 304-274-6922.
Accurate Transmissions
Rebuilds Service Clutch Jobs Automatic & Standard
Master Techs
121 Eagle School Rd. Martinsburg, WV
3,495
$1000 Down $75 Week
00 Honda Civic
Custom Paint & Wheels
American & Foreign, Major & Minor Repairs
4,995 ! L5D O S GSR Engine, speed,

$ $
for 13 Weeks
For As Little As
14
Call
99
The Auto Reaper Buys Junk Autos

Top Prices Offered Cash Money Same day Pickup
Call or Text anytime 304-676-8287 also on the web www.theautoreaper.com facebook: The Auto Reaper
FREE TOWING with any

transmission rebuild
04 Chrysler PT Cruiser
4,695 3,995
Auto, 107K miles
Get Your Shift Together!

1 Year Warranty on all Rebuilds & Unlimited Mileage
01 Hyundai Accent GS
$
Auto, 99K Miles
00 Oldsmobile Bravada
Auto, AWD, Loaded, 145K Miles
304.596.2050
3,295 LD! SO
$
03 Land Rover Discovery $8,995

79K Miles, Loaded
Up to 20 words. Limit e d to 1 it e m. P rivat e P arty O n ly!
304-267-9983
CASH for junk cars or unwanted vehicles. Paying $200 and up depending on vehicle and location 304-263-0247.
Or have a childcare business?

Let the Buyers Guide Help You With Your Advertising!
Need Childcare?
304-267-9983
Call For Current Rates!
02 Chevy Malibu $3,695

V6, Auto, 147K
91 Toyota Camry $2,495

$1000 Down, $75/week, V6, 5 Speed
Dont Slide into an Accident, Slide into a Great Tire Deal!

With This Coupon
Auto Parts Sold and Installed Full Service Dept.

1,000s in Stock!
Save YOUR Money On PARTS!

TRANSMISSIONS - Repaired & Rebuilt
Our Tech has over 35yrs experience in transmission work
FREE MOUNT
& BALANCE
Only Sets of 4 New or Used Tires
Used Tires Inventory of 1500 12 to 22
Call Us Today! 304.263.6664

& Service
Eagle School Rd Martinsburg, WV
Expires March 31, 2014
HOLE IN THE WALL

(304)820-9252
646 S. Queen Street Martinsburg, WV (Across from Martinsburg High School)
ARKAY 1696 Winchester Ave.

Family Owned & Operated Since 1968
Price Cash Weekly Down Payment
Any Questions - Call Ward or Doug (304)267-8649

5995 $ 6995 $ 5995 $ 4995 $ 5995 $ 5995 $ 4995 $ 5995 $ 5995 $ 5995 $ 4995 $ 4995 $ 5995
$
The most dangerous animals in the forest dont live there.
ONLY YOU CAN PREVENT WILDFIRES. www.smokeybear.com
04 Chevy Cavalier 03 Dodge Caravan 03 Ford Focus 02 Buick Century 01 Volvo S40 01 Taurus SW 01 PT Cruiser 01 Ford Taurus 01 Taurus SW 00 Chevy Malibu 00 Chry. Cirrus 00 Chevy Cavalier 00 Jeep Grand Cherokee
1395 $ 1895 $ 1295 $ 1295 $ 1495 $ 1395 $ 1095 $ 1395 $ 1695 $ 1000 $ 1295 $ 1195 $ 1595
$
50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50 $ 50
$
% 9 9 + . 3 0 0 0 , 1 $
Find your ride today!
Rebates up to
Financing as low as
Ridersville C Y C L E
(304) 258-1449 M-F 9-6 Sat. 9-3 www.ridersvillecycle.com
75 Good Times Drive, Route 522 South of Berkeley Springs, WV

Offers good on new and unregistered units purchased between 1/1/14-2/28/14. *On select models. See your dealer for details. Rates as low as 3.99% for 36 months. Approval, and any rates and terms provided, are based on credit worthiness. Fixed APR of 3.99%, 6.99%, or 9.99% will be assigned based on credit approval criteria. For other Amounts Financed, the payment would be approximately $29.56 per $1,000 nanced. ANNUAL PERCENTAGE RATE 3.99%. Rates advertised are based on Tier A&B Customers with credit scores of 700 or higher and debt to income ratio on all tiers of 45% or less. Subject to credit approval. Approval, and any rates and terms provided, are based on credit worthiness. Tiers will be based on the customers credit score. Other nancing offers are available. See your local dealer for details. Minimum Amount Financed $1,500; Maximum Amount Financed $50,000. Other qualications and restrictions may apply. Financing promotions void where prohibited. Offer effective on all new and unused 2008-2014 Polaris ATV, RANGER, and RZR models purchased from a participating Polaris dealer between 1/1/2014 and 2/28/2014. Offer subject to change without notice. Warning: The Polaris RANGER and RZR are not intended for on-road use. Driver must be at least 16 years old with a valid drivers license to operate. Passengers must be at least 12 years old and tall enough to grasp the hand holds and plant feet rmly on the oor. All SxS drivers should take a safety training course. Contact ROHVA atwww.rohva.org or (949) 255-2560 for additional information. Drivers and passengers should always wear helmets, eye protection, protective clothing, and seat belts. Always use cab nets or doors (as equipped). Be particularly careful on difcult terrain. Never drive on public roads or paved surfaces. Never engage in stunt driving, and avoid excessive speeds and sharp turns. Riding and alcohol/drugs dont mix. Check local laws before riding on trails. ATVs can be hazardous to operate. Polaris adult models are for riders 16 and older. For your safety, always wear a helmet, eye protection and protective clothing, and be sure to take a safety training course. For safety and training information in the U.S., call the SVIA at (800) 887-2887. You may also contact your Polaris dealer or call Polaris at (800) 342-3764. 2013 Polaris Industries Inc.
Page 22

$ $
USED CARS
With 3mth/3,000 mile 50/50 Warranty
16502850
BUY HERE PAY HERE

We Now Service VW & Audi
as low as $750 Down and - 0 - Interest
I w i l l p ay $ 2 0 0 u p t o $ 6 0 0 c a s h f o r unwanted cars, trucks and vans. A l s o bu y s c r a p t r a c t o rs a n d e q u i p m e n t . 304-261-7036. I w i l l p ay $ 2 0 0 u p t o $ 6 0 0 c a s h f o r unwanted cars, trucks and vans. A l s o bu y s c r a p t r a c t o rs a n d e q u i p m e n t . 304-261-7036. P R O PA N E ! ! ! . . . . a n d p r o p a n e a c c e s s o r i e s. Ta n k s, h o s e s, r e g u l a tors, brass fittings, copper tubing. Prices s o g o o d t h a t Cheapskates Love U s ! ! ! O p e n E V E RY d a y. FA L L I N G WAT E R S C A M P S I T E . 304-274-2791.
2008 Kia Sedona EX
Trucks
1990 Ford F-250 Lariot a u t o, 4 w d , c o m p l e t e tred,$1200 as is. Call 304-240-8021 or 304616-8991. 1993 GMC Sierra 2WD, Reg Cab, FG Cap, 144K, Super Clean, Good Truck, New Tires, CC, PW, AC. $3,250. 304-876-6179. 1995 Ford F-150 XL 4 x 4, 5 speed, long bed with liner, tool box, tow hitch, 120K miles, looks and runs good, $5,500. Call 304-725-0498. 1996 Jeep Grand Cherokee Laredo with 4wd, 6cyl, mechanically perfect, 90K miles, $3,600. Call 304-2701021. 1997 Ford f250 7.3 ext cab 8 bed, auto, loaded, super nice,$9800. 304260-0817. P R O PA N E ! ! ! . . . . a n d p r o p a n e a c c e s s o r i e s. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! O p e n E V E R Y d a y. FA L L I N G W AT E R S CAMPSITE. 304-2742791.
Vans
1999 Plmouth Grand Voyager,new tires 108k miles 2 sliding doors, 7 passenger one onwer needs nothing, cost $2300. call 304-707-8178. 2002 Dodge Caravan 3.3 lt, 5 doors, roof rack, twin a/c, twin heater, good tires, high mileage, good condition, $2,950 as it. Call 571331-3579 or 732-5277632.
CHRYSLER 6x14 factory wheels,5 spoke chrome and bl a ck . $ 2 5 0 . 3 0 4 - 2 5 8 2144. P R O PA N E ! ! ! . . . . a n d propane accessories. Tanks, hoses, regulators, brass fittings, copper tubing. Prices so good that Cheapskates Love Us!!! O p e n E V E R Y d a y. FALLING WATERS CAMPSITE. 304-274-2791. TIRES (used)- (4)P195/60/R15, (2)P215/60/R-15, (3)195/60/R14, (4)185/65/R-14, (4)P185/65/R14, (2)225/60/R16, (4)P1 8 5 / 7 0 / R 1 3 , ( 2 ) 2 1 5 / 7 0 / R 1 4 , (2)195/70/R-14, (2)215/70/R-15, (2)P235/60/R15, (2)185/65/15, (4)225/50/R16, (4)205/70/R15, (4)P185/75/R14, ( 2 ) 2 1 5 / 7 0 / 1 5 , ( 2 ) P 2 1 5 / 6 5 / 1 5 , ( 2 ) P 1 8 5 / 7 0 / 1 4 , (4)P195/70/14. Call 304261-7036.
OIL CHANGE $1999

*up to 5qts & new lter - most cars & trucks
2 Locations To Serve You!
H&H Automotive Sales & Service

2078 Williamsport Pike, Mtsbg 304-262-2999 176 Hack Wilson Rd., Mtsbg 304-262-9494 www.hhauto.net
Excellent condition, 68,300 miles, All Service Records Available, White Exterior, Luggage Rack, Gray Interior, Interior & Exterior in Excellent Condition, Garage Kept plus a Clean CarFax!
$
Auto Parts
1 9 9 1 S m a l l bl o ck Fo r d 2 W D A O D T r a n s m i s s i o n W / C o nve r t e r 1 0 Ta i l H o u s i n g ( VG C ) $350.00 Phone 304725-7630/ 304-2688121 AFE cold air intake s y s t e m s fo r d i e s e l 6 . 7 engine, $175. Call 304-267-9660 or 304283-1104.
11,300

Due Thursday At Noon Buyers Guide ~ Church News 415 Wilson St. Martinsburg, WV 25401 FAX: 304-263-7106 EMAIL: ads@yourbg.com
Call 304-279-0993 or email David@yourbg.com
TAXI
304-616-8560
USED Tires all size starting $20. Call 571-3313579 SE HABLA ESPANOL.
WE BUY Running & Non-Running

Trucks, Cars, SUVs and Scrap Metal
GUARANTEED FREE!
Licensed Dealer
WE PAY FAIR PRICES & PICK UP FOR
SUVs
2003 Ford ZX2 that runs good, 2 door, 120K Miles, $2,700. Call 304-2833328. C H E V Y S u bu r b a n L S 1500http://mar tinsburg.craigslist.org/cto/434 0601482.html 2WD, automatic, seats 8, ps, ps, pl, v i n # 3GNEC16Z52G258934. Great running and looking, $6995/OBO. Call 304671-5388.
In The Buyers Guide for 13 Weeks

For As Little As
Advertise Your Car

$
2007 Chrysler 300
CREDIT APPROVAL
Go to www.executiveautowv.com to ll out a FREE Credit Application for GUARANTEED APPROVAL!
Call 304-671-0800 or Text 304-676-0655
14
99
Up to 20 words. Limited to 1 item. Private Party Only!
2010 Chevy Aveo
Dont Waste Your TAX REFUND on High Priced Auto Repairs.. CALL BOBBY TODAY!
Call 304-267-9983
2005 Nissan Frontier
2001 BMW X5
2009 Chevy Cobalt
04 Ford Freestar Wagon SE 05 Ford Freestyle 08 Ford Escape 84 Lincoln Mark VIII 01 Lincoln Towncar 07 Subaru Forrester 05 GMC Yukon 06 FordEscape 97 Ford Mustang
ALLENSVILLE MOTORS
421 Allensville Road, Hedgesville, WV 7th Driveway on the Left ~ 304-616-6696
201 Wilson St. Martinsburg, WV
MARTINSBURGS UHAUL DEALER
267-2280
WEVE GOT ALL YOUR MOVING NEEDS & SUPPLIES COVERED... TRUCKS, VANS, BOXES, WRAP & TAPE! AUTOMOTIVE
Mon. - Fri. 8am - 7pm; Sat. 8am - 6pm
BUY HERE/PAY HERE - Down Payments Starting at $500
PRICE DOWN
2006 Pontiac G6 2003 Hyundai Elantra 2001 Chrysler Sebring 2001 Lincoln Towncar 2000 GMC Jimmy 2002 Volvo S80 2001 Ford Explorer 2003 Ford Windstar 2003 KIA Sedona 1995 BMW 318i 2002 Dodge Caravan 2002 Cadillac Eldorado 2006 Pontiac Montana
$
304-671-0800 304-676-0655
9077 Hedgesville Rd, Hedgesville, WV 25427
1999 BMW 328, 107,700 Miles, Loaded 2000 Chevrolet Silverado 4x4, Ext. Cab, 114,000 Miles 2000 Chevrolet Tahoe, 4x4, Equipped for 4rd Row 2002 Chevrolet Trailblazer, 4x4 2000 Chevrolet Suburban, 4x4 1997 Dodge Ram 1500, 4x4, Ext. Cab 2007 Dodge Ram 1500, 4x4, Crew Cab 2004 Dodge Ram 2600, Crew, 4x4, Well Mainted 2003 Ford Escape 4x4, 148,000 Miles 2006 Ford Freestyle, 157,800 Miles 2001 Ford Taurus, 120,500 Miles 2001 GMC Sonoma, 4x4, Extended Cab 2000 GMC Savana, 1 Ton Work Van 1997 Honda Civic 1992 Jeep Wrangler 4x4, 4cyl., 5 spd, soft top, 76,000 miles 2004 Kia Sedona, 136,000 miles 1998 Mercedes-Benz CLK, Loaded 2002 Mitsubishi Lancer, 2 in stock 2001 Oldsmobile Aurora 1997 Oldsmobile 88, 135,000 Miles 2003 Subaru Legacy, AWD 2006 Toyota Tacoma, 2WD Extended Cab 1998 Toyota Avalon, 135,000 Miles 2000 Volvo S70, 128,000 Miles 2003 Subaru Forrester, AWD, 130,000 Miles
$ $
2006 Chevy Silverado
2010 Dodge Avenger
926 North Queen Street Martinsburg, WV

2007 Cadillac CTS
Executive Auto Sales
304-262-3600
For More Info & Photos Go To
5995 $ 4995 $ 3495 $ 4995 $ 3495 $ 4995 $ 4495 $ 4995 $ 3495 $ 2995 $ 5995 $ 5995 $ 5995
$ $
1550 1050 $ 750 $ 1450 $ 650 $ 1050 $ 950 $ 950 $ 750 $ 750 $ 1050 $ 1050 $ 1500
Rt. 51 Middleway Pike Next to Uncle Phils Restaurant
www.executiveautowv.com
304-229-0927
4900 6800 $ 5500 $ 4500 $ 5300 $ 4900 $ 7500 $ 7500 $ 5100 $ 6000 $ 3500 $ 5100 $ 3500 $ 2700 $ 3800 $ 4800 $ 5000 $ 4900 $ 3800 $ 2600 $ 3200 $ 5300 $ 3000 $ 3400 $ 5500
WE HAVE OVER 50 VEHICLES IN STOCK VISIT OUR WEBSITE!

WWW. POOLESCARS.COM

TRUCK Cap, Green 8 ft. fiberglass, top rack. Fits 1995 Dodge Dakota. $500, Call 304-258-2144.
Page 23
Automotive Wanted
WILL pay $$ for your unwanted vehicles, also will remove your unwanted metal. Call 304-6769769. Tommys Auto.
ALLENS USED AUTO SALES

BAD CREDIT NO CREDIT NO PROBLEM
Contact the Buyers Guide Classifieds online to make an announcement, sell your stuff, post a job or offer a service today!
Auto Service
BESAW Salvage and Auto Repair. Open MondaySaturday. All types of repair done. Guaranteed work at reasonable prices. Also buying junk autos. 304754-8371.
WE FINANCE EVERYONE DOWN PAYMENTS AS LOW AS $500

96 GMC Sonoma X-Cab - $500 Down 01 Ford Ranger X-Cab 4x4 Edge 00 Buick Century, Only 73K Miles 01 Subaru Forester AWD 04 Mercury Sable, Like New 99 Ford F-150, X-Cab 4x4 03 Chevrolet Tracker LT 4x4, Low Miles 02 Jeep Liberty LTD 4x4, Low Miles 03 Suzuki Aerio AWD, Low Miles 01 Mercury Villager, Only 86K Miles 08 Infiniti G37S, Only 48K Miles CHECK OUR WEBSITE www.allensusedauto.com
Motorcycles
C R A F T S M A N ATV/MOTORCYCLE Ulitity Jack Lift, 1000lb-1500lb, used very little, $80.00. Call 304-267-9660 or 304283-1104.
25 WORDS FOR ONLY
$
P U
8.00
B L I C A T I O N S
Rates may vary, depending on the classified section. Rates do not apply to free family classified ads.
Buyers Guide
Online with the Classifieds.
Cool Green Preowned Auto Sales

8668 Shepherdstown Pike Shepherdstown, WV 25443
www.YourBG.com or phone 304-267-9983
800 N MILDRED STREET RANSON, WV 25438
304-724-1383
304-579-8920
www.coolgreenpreowned.com
04 Volkswagen Jetta Sedan GL

Air, Anti-Lock Brakes, CD Player, Power Locks/Mirrors/ Windows, 4 Cyl., Auto
03 Ford Focus
AC, Anti-Lock Brakes, CD Player, Cruise, Power Steering, Power Windows, Premium Sound System, Rear Defroster, 2.0 liter, 4 cyl., Auto
SEE OUR ENTIRE INVENTORY AT www.coolgreenpreowned.com All Credit Types Accepted Secure Online Credit Applications
3/4/2014

Due Thursday At Noon Buyers Guide ~ Church News 415 Wilson St., Martinsburg, WV 25401 FAX: 304-263-7106 EMAIL: ads@yourbg.com
Stk#13790
TONYS
Auto Service & Sales

Serving the Community for 25 Years
Ho me of TW IST ED
10% Seniors & Vets Discount

Engines - Foreign & Domestic Tune-Ups Oil Changes Heating & Cooling Systems Transmissions Electrical Problems State Inspection - NO APPT. NEEDED Brakes A/C Service Exhaust Work ALL MAJOR & MINOR REPAIRS
258 Eagle School Road Martinsburg, WV
304-264-8997
M-F 7am-5pm Sat 7am-Noon
Page 24

Amish Furniture
FRONT END ALIGNMENT

ONLY $
Eyebrow Wax
50
00*
Only with 8 this ad
$ 00
Limited Time Offer!
Gift Certificates Available!
* Most Cars & Light Trucks Hurry! Limited Time Offer!
WV STATE INSPECTION CENTER
Call For FREE Pre-Planning Guide & Credit $
TAX REFUND Brown SPECIAL!! Funeral Homes EXTRA 25% OFF

REAL WOOD FURNITURE
WITH THIS COUPON
AMISH
HANDCRAFTED FURNITURE FOR EVERY ROOM WE SPECIALIZE IN TWIN, FULL, QUEEN & KING CAPTAINS BEDS WITH 6 OR 12 DRAWERS AND OVER 30 DRESSERS, CHESTS & NITE STANDS TO MATCH PLUS MORE!
Up To
Pre-Arrangements
200 OFF
With This Offer. Some Restrictions May Apply/Return Promptly. Expires 3/31/14
177 Lee Street, Martinsburg, WV
304-267-7540
304-263-8896 Robert C. Fields, LIC

Stephen W. Hedges, Preplanning
7 Convenient Locations To Serve You
420 S. Raleigh St. Martinsburg, WV (304) 264-4510
HURRY! LIMITED TIME OFFER!

Mon-Sat 10am-5pm Sun 12pm-4pm
304-263-7522
159 Monroe Street Berkeley Plaza Martinsburg, WV 25404
Open Wed - Sat
s r
TM
Back Page Coupon Savings
10% OFF
Any Labor Charges Over $100
With coupon only. Coupons may not be combined with any other offer. Not valid with any other offer. Tires not included. Expires 3/31/14
D&D MEATS
304.229.5164
Inwood East Shopping Plaza Rt. 51
D&D MEATS VARIETY PACK

3 lbs. Chuck Roast 3 lbs. Pork Roast 3 lbs. Ground Beef 1 lb. Bacon 1 lb. Store Made Sausage 1 Whole Chicken
Open A New Personal Checking Account With Direct Deposit and receive a
1700 W. King St. Martinsburg, WV (304) 264-4500 255 Administrative Dr. Martinsburg, WV (304) 264-4520 142 Sader Drive Inwood, WV (304) 229-0400 75 West Virginia Way Ranson, WV (304) 724-9155 1034 S. George St. Charles Town, WV (304) 725-9787 149 N. Washington St. Berkeley Springs, WV (304) 258-4343
$ 00
OFF
or
$
650 Foxcroft Ave., Martinsburg
ONLY $
50
00
00
304-263-3341 ext. 217

DriveMiller .com
w/coupon
(Must Present Coupon To Receive Discount)
45
50
Any Size
00
(Some Restrictions May Apply)
Bonus
BLIZZARD SMOOTHIE
With This Coupon. Not Valid With Any Other Coupon. Expires: 3/31/14 Martinsburg Ranson Inwood Winchester Shepherdstown
Limit 4
OIL 500 OFF CHANGE $ ANY 2000 OFF ALIGNMENT
Back Page Coupon Savings FREE ALIGNMENT CHECK NRA HAND GUN CLASS ALIGNMENTS for $ WITH TIRE PURCHASE! for WV CONCEALED CARRY 2 5
$
with this coupon! Hurry! Limited Time Offer!
- Power Point Presentation - One Day Class - WV Carry Laws Discussed - Live FIRE on our Indoor Range
Now Booking For
Front End $
*Parts addl
4 Tire
*Parts addl
Country Roads Tire & Auto

629 Williamsport Pike (Rt. 11N) Berkeley Plaza Martinsburg
March 2 & 30
Sign up in-store or online
Radiator Flush & Fill
Up To 1gal. Antifreeze Most cars and trucks Dexcool extra
5995 $ 95 79 $ 5995
Mix Or Match Any Of The Following Sandwiches

New BK BIG FISH Deluxe Sandwich BK BIG FISH Sandwich BIG KING Sandwich Spicy Chicken Sandwich Original Chicken Sandwich
Limited Time Promotion, No coupon required, void with any other offer or promotion. Offers end 3/31/2013
304-263-7569
Valley uns GII
998 Arden-Nollville Rd Inwood, WV 25428 Mon - Thur 10-6 Fri 10-7 Sat 9:30-4
Spring Mills
Tire, Truck & Auto Repair
2179 St. Andrews Drive, Hedgesville, WV 25427
A Sausage, Egg and Cheese CroissanwichTM breakfast sandwich and small size coffee for
304.229.4411
www.valleyguns2.com
Hours: M-F 8am-5pm Sat 8am-1pm Open Sundays 8am-1pm
304-274-1611
Valid only at Martinsburg & Hedgesville Locations
99
Valid during breakfast hours only. Breakfast served from 6:00am to 10:30am daily. Coupon code 28000214. Offers end 3/31/2013
Back Page Coupon Savings

Middle Creek Archery LLC
$
25 OFF $ 5 DISCOUNT
IN-STOCK BOW PURCHASE
RED BARRON FLOORING $
CK UNS IN STO OVER 200 G
- OR -
50 OFF
any sale between $ 500-$1,000 any sale over $ 1,000
ANY USED GUN $

Mention or Bring this Ad Hurry ~ Limited Time Offer
TOWARD CASH PURCHASE OF ONE IN-STOCK ACCESSORY TOTALING $25 OR MORE Larry & Sherry
Kerns Tax Service

119 Sader Drive, Unit #5 Inwood, WV kernstaxservice@frontier.com Mon-Fri 9-5 Sat 9-1
MUST PRESENT COUPON. EXPIRES 4/30/14
100 OFF
35 OFF
tannermans.com
45 Monroe Street Berkeley Plaza Martinsburg, WV
304.229.6333 (304) 229-7064
998 Arden Nollville Rd. Inwood, WV 25428
*Cannot be combined with other offers/coupons. Expires 3/31/14
1340 Wesel Boulevard 30 1 - 5 82-22 5 8 Hagerstown, MD 21740 www.redbarronflooring.com
304-262-8500

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1982

Volume 36, No. 9

Phone: 304-267-9983 Web: www.yourbg.com E-mail: ads@yourbg.com

February 26, 2014

Beads an essential element of Mardi Gras

2010 Chevy Avalanche LT 2012 Chevy Express Cargo Van

2013 Dodge Avenger SE

2011 GMC Acadia SL

2011 Ford Crown Victoria LX 2012 GMC Terrain AWD SLE

2012 Volkswagen Jetta

2011 Cadillac SRX AWD

Buy American, Buy Local, Buy Opequon

Great Prices! We Install Everything We Sell!

Personal/Business Bookkeeping AX REP Payroll Notary Must Present Ad

55 Meadowlane, Suite 11, Martinsburg

Add Beauty and Value to Your Home - For Less!

Any Special Order Over $1,000

2 Large Sides 7 Biscuits

304-596-2667 WE ARE HERE FOR YOU YEAR ROUND

2330 WINCHESTER AVE., MARTINSBURG, WV 25405

with coupon thru 3/31/14

Coupons not valid w/any other offers 1 coupon per customer

- Door Prizes Free Samples

GET DOUBLE THE FREE UPGRADES

High Speed Packages

(Single Session And Upgrades Not Included) Good Thru 3/31/14

Buyers Guide 267-9983

Wednesday, February 26, 2014

Berkeley Medical Center Auxiliary Installs Officers

Farrukh Jalisi, MD, Cardiologist

Country Breakfast & Pork Sale

We Buy From Reputable Breeders Not Puppy Mills!

Visit Us On The Web www.yourbg.com

Dog Gone Pets

Grooming $10 OFF (New Clients) $ 5 OFF (Existing Clients)

*Discounts do not apply to repossessed units

8w 10w 12w 14w

1948 Shepherdstown Rd Martinsburg, WV

Crestview Meat Market

BUY OR RENT TO OWN NO CREDIT CHECK

FREE DELIVERY INCLUDED

We Now Accept EBT Cards

BACKYARD OUTFITTERS, INC.

Wednesday, February 26, 2014

Buyers Guide 267-9983

Lawn & Garden

Visit Us On The Web www.yourbg.com

RICKS WELDING AND MACHINE

Visit Our New Website gjcabinetry.com

We Service Most Brands

Rt. 2 Berkeley Springs, WV

g Crai irs Bla

PRE-SEASON All 2013 Models MUST GO! ONLY $

19X31X4 Includes: Deck, Ladder, Filter &Fencing

FREE SHOP AT HOME SERVICE

7437 Sharpsburg Pike Boonsboro, MD 21713

All Star Storage

Paying Top Dollar For Guns, Gold, Diamonds, Jewelry...Anything of Value!

Opening Under New Management

Cherry Blossom Odyssey Cruise

922 N. Queen Street, Martinsburg, WV

Kerns Tax Service