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Challenges for Blended Families

June 3, 2015 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Challenges for Blended Families
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By Amy & Dan Smith

The blended family has become more the norm than the exception in our society. As with most second marriages, Amy and I came into our marriage with our own children, our own careers and our own estates. We have experienced the challenges of the blended family.
Typically, a parent in a second marriage has conflicting loyalties. There is the desire to provide for the well being of the second spouse while, often at the same time, there is a felt duty to preserve some part of the estate (especially, of that acquired before the second marriage) for his/her children of the first marriage. This conflict can be especially acute if there is a significant age difference between the spouses. Thus, the older spouse could provide a trust for the life of his/her spouse, but this could delay significantly the benefit to the children of the first marriage by many years. … Continue Reading

Planning for Lives after Death

May 5, 2015 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Planning for Lives after Death
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By Amy & Dan Smith

This past month I once again experienced life as prelude to practice. It started with an email two weeks ago from a hospice caregiver at my father’s request with words every child dreads: “Your Dad has asked me to write and tell you he thinks the end is near. He says you’ll know what to do.” What had been planned as a birthday celebration in Florida within 48 hours ended as a death vigil for my father. My immediate family members were gathered at my parents’ home to say good-bye. Dad died quickly and peacefully after struggling for years with chronic pulmonary dysfunction. Two of us were on either side of him holding his hands while he was sitting up on the couch, and we noticed that he had stopped breathing. … Continue Reading

Amy and Dan Smith’s Planning for Life: Looking Beyond U.S. Borders

March 4, 2015 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy and Dan Smith’s Planning for Life: Looking Beyond U.S. Borders
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By Amy and Dan Smith

Even though U.S. equities still represent the single largest portion of the world stock markets, more than half of the world’s total stock market capitalization lies outside the United States, and economic growth rates outside the United States have in some cases exceeded that of the United States. Investors are beginning to consider diversifying their holdings beyond U.S. borders as a result. In the past, I have often recommended allocating no more than 10-20 percent of an investor’s overall portfolio to international funds. However, with the growth of global markets and the European Central Bank’s recent initiation of quantitative easing, many experts now suggest an even higher percentage can be appropriate given the right circumstances. … Continue Reading

Amy and Dan Smith’s Planning for Life: Five Equity Market Themes for 2015

February 3, 2015 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy and Dan Smith’s Planning for Life: Five Equity Market Themes for 2015
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By Amy and Dan Smith

Each year I read many market forecasts for the coming year from investment experts around the globe. Accordingly, I’d like to provide you with a recent article from Jeffrey Saut, Raymond James Chief Investment Strategist titled “Five Equity Market Themes For 2015”. (Readers may find the complete 2015 Outlook from Raymond James Investment Strategy Quarterly on my website www.amysmithwealthmanagement.com under “Market Views.”)

Lower Fuel Prices

This extended period of lower fuel costs should benefit companies that are dependent upon fuel as an input, such as the airlines, trucking and cruise lines, railroads, shipper, etc. Additionally, consumers are paying less at the pump and the hope is that those savings will now flow into other areas of the economy, like the consumer discretionary sector. … Continue Reading

Amy & Dan Smith’s Planning for Life: Planning Your Will

January 6, 2015 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy & Dan Smith’s Planning for Life: Planning Your Will
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By Amy and Dan Smith

A will is a highly protected form of writing. The requirements for a valid will must not be casually regarded. With rare exception in Virginia, only the original of a will – not a copy – may be admitted to probate. To be admitted to probate a will must (1) be in writing, (2) signed by the testator (the person making the will) and (3) signed by two competent witnesses who were both present with the testator either to watch him sign it or to hear him acknowledge his signature. There is a popularly known exception for a will, which is entirely in the handwriting of the testator, called a “holographic” will. However, it is dangerous to rely on this exception because it is very narrowly applied by the courts.

The requisite formalities may not be strictly applied to wills made by persons in military service. Wills made by a person deemed of “unsound mind” or by a minor are not valid. … Continue Reading

Amy & Dan Smith’s Planning for Life: Explaining Process of Probate

December 10, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy & Dan Smith’s Planning for Life: Explaining Process of Probate
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The term “Probate” derives from the Latin Probatio meaning “proof.” The term came to be applied specifically to proof of wills. In common practice, when a person dies, the proponent of a will takes it to court (usually a probate clerk) and “proves the will”; that is, the proponent submits the will as the true and authentic last will and testament of the deceased person (the “decedent”). In addition, a death certificate or an obituary notice must be produced and a “list of heirs,” which consists of the names and addresses of the people who would take an estate if the decedent died without a will.
The term “probate” now is commonly used to refer to the process of administration of a decedent’s estate whether he/she died with or without a will. If there was no will, the decedent is said to have died “intestate,” in which case the estate will pass to the “heirs at law.” Each state by statute lists the order of family members who will take the estate of a person dying without a will. … Continue Reading

Amy & Dan Smith’s Planning for Life: The General Power of Attorney

October 1, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy & Dan Smith’s Planning for Life: The General Power of Attorney
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By Amy and Dan Smith

A power of attorney is a writing authorizing one person (the agent) to act for another person (the principal). The term “durable” is often used with power of attorney. This simply means that the power continues even if the principal becomes incapacitated. By law in Virginia now, all powers are durable unless they expressly state otherwise. … Continue Reading

Amy and Dan Smith’s Planning for Life: Do Not Resusitate Order (“DNR”)

September 3, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy and Dan Smith’s Planning for Life: Do Not Resusitate Order (“DNR”)
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The DNR is a written order issued by a physician to withhold cardiopulmonary resuscitation for the patient in the event of cardiac or respiratory arrest. The DNR is now referred to officially as a “Durable Do Not Resuscitate Order.” The term “Durable” simply means that the order remains applicable even if the patient is for any reason incapable of making an informed decision. … Continue Reading

Healthcare Decision Making

August 6, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Healthcare Decision Making
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Amy and Dan Smith’s Planning for Life
By Amy and Dan Smith

Because of the evolution of the law, documents relating to medical decision making have a variety of names, which together are confusing if not downright bewildering.

The Advance Directive, Medical Directive, Advance Health Care Directive, Medical Power of Attorney, Durable Power of Attorney for Healthcare, or Power of Attorney for Healthcare can all refer to a document wherein: 1) You instruct medical caregivers as to how you wish for them to proceed if you are in a condition in which you cannot make decisions or communicate your desires regarding medical treatment; and, 2) You appoint an agent to make decisions on your behalf under certain circumstances. In addition the document may – and in current practice usually does – include Living Will provisions, which pertain to end-of-life circumstances. (The Living Will was discussed in our last column.) … Continue Reading

Amy and Dan Smith’s Planning for Life

June 3, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Amy and Dan Smith’s Planning for Life
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New Beginnings
By Amy and Dan Smith

In preparing for a recent speaking engagement on “Financial Planning for Life,” I was reminded that there is more to talk about than money in the world of financial planning. Money is just the vehicle to get us to our financial destinations. What we do when we arrive is another issue.

Why should we try to plan for life? – Because life is full of surprises. We cannot control our future, but we can control our financial behavior – planning, saving, budgeting, investing and covering risk of loss. This is when the discipline and benefit of financial planning is realized. … Continue Reading

Tax Court Says One Tax-Free Rollover Per Year Means Just That

April 30, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on Tax Court Says One Tax-Free Rollover Per Year Means Just That
Amy Smith-BRL

The Internal Revenue Code says that if you receive a distribution from an IRA, you can’t make a tax-free (60-day) rollover into another IRA if you’ve already completed a tax-free rollover within the previous 12 months.

The long-standing position of the IRS, reflected in Publication 590 and proposed regulations, is that this rule applies separately to each IRA you own. Publication 590 provides the following example: “You have two traditional IRAs,* IRA-1 and iRA-2. You make a tax-free rollover of a distribution from IRA-1 into a new traditional IRA (IRA-3). You cannot, within 1 year of the distribution from IRA-1, make a tax-free rollover of any distribution from either IRA-1 or IRA-3 into another traditional IRA. However, the rollover from IRA-1 into IRA-3 does not prevent you from making a tax-free rollover from IRA-2 into another traditional IRA. This is because you have not, within the last year, rolled over, tax free, any distribution from IRA-2 or made a tax-free rollover into IRA-2.” … Continue Reading

What Baseball Can Teach You About Financial Planning

April 1, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on What Baseball Can Teach You About Financial Planning
Amy Smith-BRL

Spring training is a tradition that baseball teams and baseball fans look forward to every year. No matter how they did last year, teams in spring training are full of hope that a new season will bring a fresh start. As this year’s baseball season gets under way, here are a few lessons from America’s pastime that might help you reevaluate your finances.

Sometimes you need to proceed one base at a time

There’s nothing like seeing a home run light up the scoreboard, but games are often won by singles and doubles that get runners in scoring position through a series of base hits. The one base at a time approach takes discipline, something that you can apply to your finances by putting together a financial plan. What are your financial goals? Do you know how much money comes in, and how much goes out? Are you saving regularly for retirement or for a child’s college education? A financial plan will help you understand where you are now and help you decide where you want to go. … Continue Reading

What Baseball Can Teach You About Financial Planning

March 8, 2014 by Blue Ridge Leader Amy and Dan Smith, Columns Comments Off on What Baseball Can Teach You About Financial Planning
Amy Smith-BRL

By Amy V. Smith

Spring training is a tradition that baseball teams and baseball fans look forward to every year. No matter how they did last year, teams in spring training are full of hope that a new season will bring a fresh start. As this year’s baseball season gets under way, here are a few lessons from America’s pastime that might help you reevaluate your finances.

Sometimes You Need To Proceed One Base at a Time

There’s nothing like seeing a home run light up the scoreboard, but games are often won by singles and doubles that get runners in scoring position through a series of base hits. The one base at a time approach takes discipline, something that you can apply to your finances by putting together a financial plan. What are your financial goals? Do you know how much money comes in, and how much goes out? Are you saving regularly for retirement or for a child’s college education? A financial plan will help you understand where you are now and help you decide where you want to go. … Continue Reading

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Sustainable Planet

The Noisy Economist

25 Jul 2015

noerpel150

“[W]hereas classisists [economists] turned the spotlight on change, flow, process and dynamics, the neoclassicists [economists] spend their time analyzing states of rest, balance, equilibrium.” – Yanis Varoufakis [1] Updating the evolving global surface temperature anomaly monthly for the Loudoun County …

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Ask Dr. Mike

Help for Shark Phobia

8 Jul 2015

Michael_Pic

Dr. Mike, We go to the Outer Banks every summer as a family, but our seven-year-old daughter is now freaked out by the reported shark attacks at the Outer Banks. Thanks to her older siblings teasing her about sharks, she …

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Just Like Nothing (Else) on Earth

Mount Zion Church

1 Jul 2015

timjon

– By Tim Jon So: You’ve never given the American Civil War a great deal of thought, much less walked the grounds of Gettysburg or some of the other, major battleground sites located in our region; you may not be …

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Brandon Park

3 Jun 2015

timjon

Considering its location – amidst the swirl of transportation axes, commercial and industrial scenery, residential neighborhoods, and the shadow of the busy downtown section of Leesburg, I was surprised to have this quiet little oasis of (mostly) green to myself …

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Sushi's Corner

March Sushi

4 Mar 2015

pot of gold

Hello everyone, this is Hokie Cat from Fields of Athenry Farm. Sushi is in big trouble as we speak and is residing in doggy dungeon. I am here to fill you in on what took place. My brother Mountie loves …

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Virginia Gardening

Planting an Allergy-Free Garden

5 May 2015

donnawilliamson

By Donna Williamson Tom Ogren has a long-time interest in allergy-inducing plants. He has written several books on the topic and in February released his latest The Allergy Fighting Garden. He explains why plants can stir up allergies and has …

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Samuel Moore-Sobel

Saving The Art Of Letter Writing

1 Jul 2015

moore-sobelnewmug

– By Samuel Moore-Sobel This year a woman in France received a letter in the mail. What made her experience unique was that the letter had been written on January 27, 1877, and was intended for her great-grandfather. Steve Insekeep, …

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Amy V. Smith's Money Talks

The Marital Agreement

2 Jul 2015

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– By Amy & Dan Smith In Virginia, as in most states, a marital agreement can be entered into before or after marriage. It can cover a variety of topics but commonly addresses issues pertaining to the disposition of property …

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Student News

8th Grade Writers Honored At Blue Ridge Middle School

2 Jul 2015

blueridgemiddleschool

Sixty-seven Blue Ridge Middle School eighth graders have been honored for their writing during the 2014-2015 school year. Many students had their writing selected for publication by Creative Communication, a program for student writers, while others won county-wide writing contests. …

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Ben Kellogg Achieves Eagle Scout

1 Jul 2015

benkellog

Benjamin Robert Kellogg achieved the rank of Eagle Scout at a Court of Honor conducted at St. Andrew’s Presbyterian Church in Purcellville on March 29. Friends, family and troop leaders attended the celebration, including his parents, Robert and Deirdre Kellogg. …

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Blue Ridge Middle Places 11th In National Science League

1 Jul 2015

blueridgemiddleschool

Blue Ridge National Science Day Declared Tuesday, June 10 has been officially been declared Blue Ridge National Science Day. At a recent Purcellville Town Council Meeting, Mayor Kwasi Fraser and members of the town council signed a proclamation designating this …

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Events

August 2015
M T W T F S S
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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

Annual Summer Sidewalk Sale Returns with Bargains for Everyone

Friday Night Live with Emma Rowley & Saffron Gourmet Food Truck

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Annual Summer Sidewalk Sale Returns with Bargains for Everyone

Chef Sebastian Oveysi's Saffon Gourmet Food Truck at North Gate VIneyard

Book Signing: 'Beyond Jefferson's Vines' by Richard Leahy

Notaviva Vineyards - Bluegrass Jam - FREE event

Spinners

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Afghan Treasures Trunk Show

Annual Summer Sidewalk Sale Returns with Bargains for Everyone

Chef Sebastian Oveysi's Saffon Gourmet Food Truck at North Gate VIneyard

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

Ronnie Milsap

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

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COFFEEHOUSE: LOVE, LOSS & WHAT I WORE

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Afghan Treasures Trunk Show

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Afghan Treasures Trunk Show

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Creedence Clearwater

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Afghan Treasures Trunk Show

Culinary Garden Summer Music Series

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Afghan Treasures Trunk Show

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Notaviva Vineyards - Bluegrass Jam - FREE event

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Recent Comments

View From the Ridge

An Open Letter to the Citizens of Purcellville

5 May 2015

blueridge2

Mark Your Calendar, They’ve Asked for Our Input So Let’s Give It To Them By Steady and Nobull The Purcellville Planning Commission has tentatively scheduled a series of public input sessions June 4, 11 and 18 at 7:00 p.m. at town hall for the proposed sweeping zoning changes. These major …

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Editorial

How Did We Get Here And How Do We Get Out?? A Summary Of Purcellville’s Sewer Debt And Strategic Solutions

1 Jul 2015

kwasifraser

– By Kwasi Fraser, Mayor of Purcellville Many of our fellow citizens are baffled by the proposed increase in our already high water and sewer rates, and not just about the increase that was proposed for the Fiscal Year 2016 but also about the proposed increases over the next nine years. This quote from one of our citizens to a …

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Lifestyle

Artist’s Profile: Michele Sommers, Mural Artist – The Beauty Of Life, Evolving Over Time

2 Jul 2015

artist3

– By Andrea Gaines Two things defy reason when it comes to mural artist and painter Michele Sommers. The first is her irrepressibly humble attitude towards her talent. The second is the absolute divinity of her work. I knew that in writing about her in this way she would be thinking, Oh … come on … I’m not THAT good! …

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Kicking Off Farm To Fork With Music

1 Jul 2015

farmtofork

Kicking off this year’s Farm-to-Fork Loudoun project is the second annual Farm, Fork & Art, with music added: a special concert from home grown, award winning folk and Americana singer-songwriter Andrew McKnight. Farm, Fork, Art & Music begins at 6 p.m. sharp at the unique Trinity House Cafe located at 101 E. Market St. in Leesburg on Wednesday, July 22, …

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Hillsboro Celebrates Independence Day July 3

1 Jul 2015

hillsborojuly3

Bring your friends and family to Hillsboro’s Old Stone School on Friday, July 3 for the annual Independence Day Celebration. The celebration will be preceded by the second of four seasonal outdoor markets which will open on July 3 at 4 p.m., and the Independence Day festivities begin at 6 p.m. at the Old Stone School located at 37098 Charles …

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Wild Loudoun

Ancient Oaks – The Great Providers

1 Jul 2015

wildloudoun

– By Andrea Gaines She feeds the birds. She shelters the mammal. She cools the air, provides us with shade and conserves the water and soil. She is the mighty old oak, an ecosystem unto herself. All except the smallest living things function as an ecosystem of sorts – whether harboring the bacteria and microscopic plants that break down organic …

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Around Virginia

Governor Signs Senator Black’s Campus Sexual Assault Bill

governorsigns

On Thursday, May 28, Sen. Richard Black traveled to Richmond for the bill signing ceremony of his bill, Senate Bill 712, the Campus Sexual Assault Bill. Black’s law will change the way that Virginia’s colleges and universities handle sexual assault cases.  “When I heard about the Hannah Graham case, I …

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McAuliffe Announces Movie To Film in Virginia

McAuliffe

Gov. Terry McAuliffe announced that Virginia has been selected as the filming location for “Loving,” a motion picture based on the true story of Richard and Mildred Loving, a Virginia married couple who, in 1958, were arrested for violating a state law at the time prohibiting interracial marriage. The couple …

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Bipartisan Legislation Hopes To Reduce Wasteful Spending

blueridge2

U.S. Sens. Mark R. Warner (D-VA) and Rand Paul (R-KY) have teamed up on a bipartisan proposal to empower federal workers to identify and cut down on unnecessary federal spending. The Bonuses for Cost-Cutters Act of 2015 would build on existing law by expanding a program that allows U.S. government …

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Sports

Upper Loudoun Little League Pre-Game Ceremony

1 Jul 2015

ULLLpic5

– By Carri Michon The Majors championship game for Upper Loudoun Little League dawned with prospects of stormy weather. Nonetheless, a nice crowd assembled for the pre-game ceremonies in the light rain. Following the announcment of the AL Royals and the NL Pirates teams, the ULLL Hometown Heroes scholarship given …

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WLVBC Ignite Takes 2nd at Tournament

13 May 2015

Ignite Takes Silver at Spring Fling resized

Western Loudoun Volleyball Club U15 Team Ignite placed second at the NVVA 15’s Spring Fling Volleyball Tournament on Sunday, May 10 at Belmont Ridge Middle School in Leesburg. Ignite met the host team, NVVA 15 Fairfax Black, in the finals. “I’m proud of each player for pushing hard through 10 …

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This Month in History

July, 1776: Loudoun’s Revolution Within A Revolution

1 Jul 2015

thismonthhistory

– By Andrea Gaines Loudoun County was heavily invested in the fight for independence from Great Britain. Loudouner Francis Lightfoot Lee was one of 56 delegates to sign the Declaration of Independence. More Loudouners served in General George Washington’s army than any other county in Virginia, and the county’s enormous …

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Mary Rose Lunde

Locks Of Hope Easy, Helpful

1 Jul 2015

Lunde new

– By Mary Rose Lunde I’m not the first one who has written about and done what I am about to describe, and I hope I’m not the last. It’s not an action that seems heroic, but it does make a difference. The best part is that no one is …

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Sarah's Closet

Go Pink … As Pink As You Like

1 Jul 2015

sarahcloset3

– By Sarah Nearis Look at these sweet and summery pink blouses and tops. Don’t you want to try one on? Some women are afraid to wear pink, thinking it’s a bit too feminine. But, pink comes in such a wide variety of shades – from soft mauves to fuchsias …

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Letters

Independence Won – Much Left To Be Done

1 Jul 2015

speak

With graduations behind us and summer vacations ahead, we have much to look forward to. My summer will be full of events and opportunities to …

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Reflections for Father’s Day, a Child’s Constitutional Rights

15 Jun 2015

Bob Ohneiser

I’ve been a licensed attorney and a father since the late 80’s. Yet, I wonder about how many of our country’s legal theories – theories …

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Minimum Wage: A Wrench in the Gears

3 Jun 2015

Dave_larock

By Delegate Dave LaRock You may have read in the news recently that the second-largest city in the United States, Los Angeles, voted to raise …

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