In this Email:


  • A Message from the VRTA President
  • Today’s Interest Rates
  • To Bundle or Not to Bundle
  • Voting: A Basic Duty and Right 
  • Important VRTA Dates to Remember

August 2022

A Message from the VRTA President


VRTA’s Fall Conference


Tuesday, October 18-Wednesday October 19, 2022

Plans for the Fall Conference are in full swing. Although the results of the compilation of the evaluation forms from the Spring Delegate Assembly proved favorable, we are committed to improving. Many suggestions and changes from the Spring Delegate Assembly evaluation forms have been implemented.


Again, the DoubleTree Hotel by Hilton in Midlothian, Virginia, is the destination for our Conference. A block of rooms has been reserved, at a special rate, for VRTA members. In order to secure the special rate, reservations must be made by September 17, 2022. The link for reserving a room is https://www.hilton.com/en/attend-my-event/ricksdt-vt2-ecf33865-e748-4fd6-a5ca-08d18a7980e7/. Should you decide to make your reservations directly through Hilton.com, the three-letter group code you should use is VT2. Those attending the Fall Conference are required to send the completed Registration Form and check for $60.00, payable to VRTA, to Maudie Scott, P.O. Box 282 Amelia, Va. 23002, postmarked by Friday, September 30, 2022. The registration fee includes the organizational costs of the conference as well as the Tuesday Luncheon.


Districts and Units are asked to display their banners. A variety of delicious refreshments will be available on Tuesday morning and Wednesday throughout the morning program. Tuesday night promises a memorable social event. For a chance to win a door prize on both Tuesday and Wednesday, keep your tickets close.


The September edition of the Creekside newsletter will contain more details about the Fall Conference. Creekside newsletters, as well as the Spring and Fall newsletters, can be found on the website, vrta.org, under the newsletter tab. 


VRTA’s mission is to be the voice, resource, and connection for all retired school personnel. REA leaders can find an abundance of helpful information in the latest NRTA Resource Manual. This Manual is found on the website under the forms and documents tab. This Leadership and Volunteer Engagement Resource serves as a guide for associations and local units. An arrangement of essential information is listed to aid in the use of the Manual.


  • Unit structure and organization have everything you need to know about running a unit.
  • Engaging younger members gives ideas for finding new volunteers and recruiting new members.
  • Grow membership with fresh programming introduces strategies and programs to inspire creative thinking among your volunteer leadership team.
  • Advocacy displays all the tools needed to mobilize members on critical legislative issues.
  • Communications and social media include useful tips for crafting materials and conversations.
  • Leadership training gives tips for being the best leader and communicator you can be.
  • Additional AARP resources provide a list of retired educator associations across the country and links to their websites and a list of AARP state offices and their contact information.


The Fall Conference promises outstanding presenters, an interesting social evening, and a chance to win prizes. Plan to attend and be prepared to enjoy activities based on your suggestions.




Jean Marrow

VRTA President

Phone: 804-350-7719  

Email: marrow.j@aol.com

VRTA Benefits

Offered through Creekside Insurance Advisors, Inc.

Call Us Today!! (540) 722-2529

Toll-Free (800) 467 5425

Email: vrta@creeksideadvisors.net


Single premium deferred annuities are guaranteed for 5, 6, 7, or 10 years. Should you choose to continue the annuity after the initial guarantee period, the minimum rate guarantee is 1.00% for contracts issued in 2022. Credited rates effective 7/11/2022 and are subject to change without notice. Quoted rates do not reflect optional liquidity riders. If you choose to add any of the available liquidity riders the interest rate will be reduced accordingly. Early withdrawals may be subject to Surrender charges and Market value adjustments. The IRS may impose penalties for early withdrawals from qualified plans. Contracts issued by Atlantic Coast Life Insurance Company. Not FDIC insured. Rates vary by state. ALCHAVPRE OT 070622

Insurance Advisory Services


  • Home & Auto
  • Medicare Products
  • Long-Term Care
  • Life Insurance
  • Fixed Indexed Annuitie


Financial Advisory Services



  • Retirement Income Planning
  • Pension Survivorship Analysis
  • Portfolio Management

To Bundle or Not to Bundle?


I’ve heard that I can save money by bundling my home and auto coverages with the same company. Is this true?


The answer is a definitive…..probably. Most companies who offer both home and auto coverages do offer a multi-policy discount, as much as 25%! However there are circumstances where bundling does not make sense - and this is where a truly independent, local agency can help, especially an agency offering over 30 companies by which to shop.

 

For instance, if you live in a log cabin, 15 miles from the nearest fire station, it is probably not best to bundle coverage as many insurance companies will substantially up-charge for your homeowners coverage or straight-out deny an offer for coverage. Another example is if you have multiple auto accidents in the prior 5 years, it will likely be best to separate the home and auto coverages for best value by choosing a sub-standard carrier for the auto and standard carrier for the home.

 

Other situations that will possibly favor separate coverages are if you have a vicious dog breed or aging roof on your home where many homeowners insurance companies will deny an offer of coverage. Also, if you have certain unique autos, such as classic, antique or a newer, expensive electric vehicle, it may be best to unbundle coverage in order to find a better combined value with separate policies.

 

TV commercials from just about every insurance company state they can save me money. How can EVERY company save me money?


The truth is that TV ads cost a bundle. Many of these companies spend tens of millions (or more) in TV advertising per year. With companies spending that much on advertising, do you think they will offer cheaper coverage than an insurance company offered through an independent agency who does not have this enormous advertising budget? 

 

The good news is that you don’t have to guess which insurance companies offer the best value. When you shop through a truly independent insurance agency using over 30 different insurance companies, they will do the work for you. Creekside Insurance Advisors Inc. uses a combination of national, regional, and local insurance companies for this purpose.

Phone (540) 722-2529

Toll-Free (800) 467 5425

Email: vrta@creeksideadvisors.net

VOTING: A BASIC DUTY AND RIGHT


Knowledge is necessary to fulfill this duty and to claim this right. Note the following for the general election on November 8:


• Friday, September 23 – First day of in-person early voting at your local registrar’s office (https://www.elections.virginia.gov/localGR)                         

(Voting early is good to do, especially if you will be traveling, expect other demands on your time around Election Day, etc. However, caution should be used in voting too early. Things can happen between September 23 and November 8 that might affect your vote.)  


• Monday, October 17 – Deadline to register to vote or update an existing registration (https://vote.elections.virginia.gov/VoterInformation)             

(If you have moved since the last election or will move before Election Day, be sure to update your records. The earlier you do this, the better. If you have new neighbors, remind them to register.)


• Friday, October 28 – Deadline to apply for a ballot to be mailed to you. Your request must be received by your local voter registration office by 5:00 p.m. (https://vote.elections.virginia.gov/VoterInformation/PublicContactLookup

(If you need to vote by mail, the earlier you apply the better. Also, when you get the ballot, be sure to read all the instructions thoroughly several times and be sure to follow each one as written. If you mailed in your ballot sometime in the past, the current instructions may be different. You certainly don’t want your ballot to be disqualified because of an oversight or technicality.)


• Saturday, October 29 – Voter registration offices open for early in-person voting. 

(If you are not comfortable with mail-in voting and cannot stand in line, early in-person voting is an excellent option.)


• Saturday, November 5 at 5:00 p.m. – Last day of in-person early voting at your local registration office


• See who is on your ballot by viewing the candidate lists

(https://www.elections.virginia.gov/casting-a-ballot/candidate-list/)


A new law will take effect on October 1 which will allow registration on Election Day, only in person, at either the local registrar’s office or at the voter’s polling place. A ballot cast by a late-registered voter won’t go directly into the scanner like a regular ballot. It will be a provisional ballot, giving election officials time to verify paperwork and ensure the vote is valid before it is counted. This accommodates a voter who may have moved and forgotten to update the registration information or has recently moved to a new address. The voting safeguards will still be in place. Some other states make this effort to give every citizen an opportunity to fulfill this duty and claim this right. Do not just procrastinate because this is an available option.


Perhaps you are wondering why this information is in the newsletter in the middle of August when Election Day is more than two months away. It’s important for you to know these deadlines and to prepare to be an educated voter well before November 8. Some units and districts are already planning forums or other ways of learning about the candidates. For those considering a forum, there are suggestions for planning this event on the VRTA website. Be alert to any community event, regardless of the sponsor, where you might learn about the candidate. Pay attention during the next two months to everything a candidate says and does as well as check the person’s history, integrity, and voting record. Teachers are good at asking questions. Use this skill to learn about those who want your vote. This election is too important for a voter to make a last-minute decision based on only the most outrageous or controversial things an opponent says. Also, it’s not wise to base a vote on one issue because when the election is over, you get the whole package.



Bea Morris 


VRTA Legislative Chairperson


Email: beam1340@verizon.net


Important VRTA Dates to Remember

 

October 17-19, 2022: Fall Conference at The Double Tree

April 17-19, 2023: Spring Conference at The Double Tree