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What Baseball Can Teach You About Financial Planning

March 8, 2014 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
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

Extreme Irrationality Is Extremely Irritating

March 5, 2014 by Tony Noerpel Columns, Sustainable Planet Be the first to comment
noerpel150

“Hurricane Sandy was truly astounding in its size and power. At its peak size, twenty hours before landfall, Sandy had tropical storm-force winds that covered an area nearly one-fifth the area of the contiguous United States. Since detailed records of hurricane size began in 1988, only one tropical storm (Olga of 2001) has had a larger area of tropical storm-force winds, and no hurricanes has. … Most incredibly, ten hours before landfall, the total energy of Sandy’s winds of tropical storm-force and higher peaked at 329 terajoules–the highest value for any Atlantic hurricane since at least 1969. This is 2.7 times higher than Katrina’s peak energy, and is equivalent to five Hiroshima-sized atomic bombs. At landfall, Sandy’s tropical storm-force winds spanned 943 miles of the U.S. coast. No hurricane on record has been wider.” – Jeff Masters [1] … Continue Reading

The Party of Lincoln (Part Two)

January 23, 2014 by Tony Noerpel Columns, Sustainable Planet Be the first to comment
noerpel150

“The physical sciences, often called the ‘hard sciences’, are really the easy ones. They are underpinned by conservation laws and invariance principles in ways that differ from the biological, and even more the social, sciences.” Robert M. May, Department of Zoology, University of Oxford, [1].

Climate Reality

On the most basic level and referring to the Robert May quote above, the study of planetary climate systems is a physical science. I’ve described most of the forcings and feedbacks previously [2]. Carbon dioxide is a greenhouse gas and has certain other physical properties which result in its being the principle greenhouse gas or thermostat of any planet similar to Earth [3]. At the temperature and atmospheric pressure at the surface of our planet carbon dioxide is a gas and is well-mixed in the atmosphere. Water by contrast is a liquid and only very reluctantly vaporizes. We have oceans of liquid water on our planet’s surface and yet very little water vapor. It is not well mixed in the atmosphere. There is very little water vapor over the Sahara or Antarctica or over any other desert. Since the temperature falls precipitously with altitude over the surface the percentage of water vapor falls dramatically as well. … Continue Reading

New Mortgage Rules Scheduled To Take Effect in January

January 8, 2014 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

The Consumer Financial Protection Bureau has issued new mortgage rules that are scheduled to take effect on January 10, 2014.

Background

In 2008, the rise in home foreclosures was viewed by many as the result of substandard mortgage lending practices. Subsequently, Congress passed the Dodd-Frank act in 2010, which created the CFPB and set forth a number of financial industry regulations aimed at protecting consumers, including some pertaining to mortgage lending. In January 2013, the CFPB issued mortgage rules that implement the mortgage provisions set forth by Congress under the act.

Highlights of the new mortgage rules

The new rules broaden coverage of existing ability-to-repay rules, which require a lender to make a reasonable, good faith determination that a consumer has the ability to repay a loan. The rules extend coverage of the ability-to-repay rules to the majority of closed-end transactions secured by a dwelling (with certain exceptions). … Continue Reading

Neer Lane

timjonpic

No, not much happens out here – as far as I can tell; and it’s not very conveniently located for easy access during your commute from home to work. And, no – this spot’s probably not the most exciting intersection of latitude and longitude that you’ll ever (or never) visit, and even if you grow to love it dearly (as I have) you’ll probably never hang around for very long at any one time. Having said all this (probably at least partially to discourage the less intrepid traveler), I’ve come to realize that I always feel awfully good whenever I come to this little, neglected dirt road called Neer Lane.

And, the sardonic in me often asks: “So, just where is Neer?” Well, Neer’s nowhere special – but it is in a very specific spot – out in Western Loudoun, of course – just off Cider Mill Road, south of Harpers Ferry Road on the frontier side of Hillsboro. And that’s enough information for anyone with the least bit of adventurousness in their system. But – there’re no whitewater rapids to test your kayaking skills, no hiking trails to exhaust your overspilling energies, not even much of a roadway itself to exercise your driving ability. … Continue Reading

Energy Summit Comments

November 13, 2013 by Tony Noerpel Columns, Sustainable Planet Be the first to comment
noerpel150

Both Sustainable Loudoun’s 2013 energy summit and climate discussion went well. Kent Klitgaard the featured speaker at the energy summit, held on October 25 at GWU, called me the night before from a hospital bed in post op. He had been rushed to the hospital for an emergency appendectomy. Obviously, he was not going to be able to travel and deliver his talk the following evening. I told him not to worry. He could send me his charts in the morning. I could review them and call him with questions and deliver the talk myself. What else was I going to do? A friend Kenneth Davidson, an antitrust lawyer who has written several books would be attending and I would invite him to participate in the Q and A discussion afterwards. We would muddle through. … Continue Reading

A New Addiction

August 7, 2013 by Blue Ridge Leader Ask Dr. Mike, Columns Be the first to comment
Michael_Pic

By Michael Oberschneider, Psy.D.

Dr. Mike,

My brother has recently found God through AA. Everyone in the family is glad that he is finally sober after many years of watching him destroy his life (and his wife and children’s lives) with alcohol. His newfound religion and recovery program, however, is driving us all crazy. It seems he is now addicted to God and AA just like he was addicted to alcohol, and he’s constantly trying to convert us to his ways and corrects us on what he calls our “moral shortcomings.” Even our children have expressed concerning regarding their uncle’s drastic changes. Every other statement is an AA slogan like, “one day at a time” or “it works if you work it” or “easy does it” or “turn it over.” Any thoughts on how to be a good big sister without going insane?

J from Loudoun County … Continue Reading

13 Financial Planning Strategies for 2013 – Part Five of a Seven Part Series

August 7, 2013 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

Congress passed the American Taxpayer Relief Act of 2012 (ATRA) on New Year’s Day. A number of changes came out of the act that will affect your tax bill. In this month’s column, I will be offering financial planning strategies for you to consider in 2013 that by taking appropriate action may help you avoid an unexpected tax bill next April.

10. Homeowners – Consider the advantages of your mortgage

Mortgage interest deductibility was not affected by ATRA as some had predicted, but the overall limitation on itemized deductions – sometimes called the 3 percent haircut – has been reinstated, reducing the value of total allowable itemized deductions for individuals with income in excess of $250,000 or for joint filers with income in excess of $300,000. … Continue Reading

Father of the Year

June 4, 2013 by Blue Ridge Leader Columns, Sushi's Corner Be the first to comment
sushigraphic

It is I, Sushi, the small but mighty Cairn Terrier. Do you have a Father of the Year?

June is the month we celebrate our Fathers. But, you know “Fathers Day” really is not just one day or one month out of the year. Fathers are a lifetime thing – or should be. My Father use to say to me “I will be your Father until the day I die and beyond that too! So don’t mess up because I will be watching you!” … and boy did he mean it.

You know, today there is a lot expected of a man. We are supposed to be sensitive yet at the same time beat the bezeebers out of anything dangerous that might cross our family. We need to provide a home, hunt and nourish, love and be loved. Sometimes by the time I am done with the nourishing and hunting I just want to go to my den and be left well enough alone. You know – like alright – already! … Continue Reading

New Insights

June 4, 2013 by Blue Ridge Leader Columns, Real Estate Ticker Be the first to comment
Carl Fischer headshot

By Carl Fischer

I was recently invited to attend the National Association of Realtors mid-year conference held at the Washington Hilton on Connecticut Avenue as a panelist. It was an invitation-only “Masters of the Market” group consisting of some of the most forward thinking and highly productive real estate brokers in North America. Most were former Howard Brinton “StarPower” honorees, as I was, and for me, it was like “old home” week.

I’m telling you all of that to tell you this: The real estate market, as we all know, has changed dramatically over the past five years. We all knew it would, but it has been a challenge for even full-time top-producing professionals to keep up.

In the two-and-a-half hours we shared, the social exchanges lasted for just a few minutes and rolled into unending flood of new and useful information. One which stood out in my mind as particularly important I describe below. … Continue Reading

13 Financial Planning Strategies for 2013

June 4, 2013 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

Part three of a series
By Amy Smith

Congress passed the American Taxpayer Relief Act of 2012(ATRA) on New Year’s Day. A number of changes came out of the act that will affect your tax bill. In this month’s column, I will be offering financial planning strategies for you to consider in 2013 that by taking appropriate action may help you avoid an unexpected tax bill next April.

7. REVISIT YOUR PLANNED CHARITABLE GIVING
Charitable giving can reduce your tax burden and also provide a sense of satisfaction by benefiting your favorite causes. Generally, donations to qualified charities count as an itemized deduction for that tax year. This includes cash, real estate, or other assets. The deductibility of charitable gifts is based on several factors, such as the donor’s income, the nature of the donation, and the charity receiving the donation. A sound plan can help offset an increase in taxes in 2013 due to higher taxes. … Continue Reading

The Age of the Universe

May 28, 2013 by Tony Noerpel Columns, Sustainable Planet Be the first to comment
age_universe

“This whole Big Shebang got started just a bit over 13.5 billion years ago. The trials and errors, painstaking observations and brilliant insights that have led to this answer amount to one of mankind’s most impressive intellectual accomplishments.” David Weintraub [1]

Astronomer David Weintraub explores the history of our discovery of the age of the universe in his appropriately titled book “How Old is the Universe.” From the nascent science of the ancient Greeks such as Aristotle and Eratosthenes to the mature science of present day astronomers and their space telescopes he describes how humans have tackled this question. Based on the most recent observations using the Hubble space telescope, the Wilkinson Microwave Anisotropy Probe and the Cosmic Background Explorer in combination with our theoretical understanding of the laws of nature such as quantum mechanics and the general theory of relativity scientists have estimated that the universe is between 13.5 and 14 billion years old. This estimate uses four independent methods based on white dwarf (a type of star) cooling times, the ages of star clusters, the physics of the expanding universe and measurements of the cosmic microwave background (CMB) radiation. … Continue Reading

Fields of Athenry Farm Lost and Found

April 5, 2013 by Blue Ridge Leader Columns, Sushi's Corner Be the first to comment
sushi

As a working farm dog some days are beautifully satisfying and then other days are just weepy heartaches. March is the perfect example of the unexpected time of year I am about to describe; you know – the in-like-a-lion-out-like-a lamb month of March?

For example; it was just early yesterday evening when I dutifully trotted down to the barnyard checking on our new baby lambs one more time before the sun set. The sky spitted ice, winds were billowing up from the Beaver dam Creek and the snow began to fall. Really, I asked? It is almost Easter! But, being the great protector of all things large and small on the farm, I shook off my wiry Cairn Terrier coat and deftly rounded up the lambs and stray ducklings, guiding them into the barn isle and under the brand new warming lamps. Here, in the protection of that barn, the babies would be kept sheltered from the unexpected weather. I was as satisfied as could be, knowing that all of my little vulnerable ones were safe and warm no matter what the night might bring. I trotted home to the big white farmhouse. … Continue Reading

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Sustainable Planet

Pungent Curry

9 Apr 2014

noerpel

The latest version of the IPCC report is published and once again it will go unread by the great masses of climate science deniers and unreported by the media. So it might be useful to revisit the fundamental physical realities …

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Ask Dr. Mike

Understanding Teen Suicide

1 Apr 2014

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By Michael Oberschneider, Psy.D. Northern Virginia has recently experienced several teen suicides. Last month, two Langley High School students took their own lives just a day apart from one another, and this month it appears two students at Woodson High …

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Virginia Gardening

Spring Is Coming

4 Mar 2014

springiscoming

By Donna Williamson March is an in-between month – some cold and the return of glorious warmth now and then. One way to bring some delight inside is forcing spring-blooming branches. You can cut branches of forsythia, cherry, crabapple, kerria, …

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Sushi's Corner

An Easter Swim

1 Apr 2014

Screen Shot 2014-04-01 at 11.10.56 AM

I felt like a silly nim “cow” poop with these Easter bows in our hair. Okay Nelly, maybe you didn’t because you’re a girl. But me, a Mighty Cairn Terrier male? – PLEASE! Pleasing Mrs. B for Easter pictures was …

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Amy V. Smith's Money Talks

What Baseball Can Teach You About Financial Planning

1 Apr 2014

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. …

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Go Take a Hike

Blandy Experimental Farm

6 Jun 2012

Molly

By Molly Pinson Simoneau It’s no secret that I love a challenging hike. I’ve written here about hiking sections of the Appalachian Trail and Shenandoah National Park. I’ve taken vacations with my family to Colorado where I’ve attempted to conquer a “fourteener” (a summit that is higher than 14,000 feet), …

(2 comments)

Real Estate Ticker

A Buying Opportunity?

6 Nov 2013

Carl Fischer headshot

By Carl Fischer As a direct result of the uncertainty that has arisen from national and regional politics, with its unsettling effect on the Northern Virginia area, for the past two months there has been a market slowdown which has …

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From the Farm

From the Farm

5 Jul 2012

From the Farm

When the heat index reaches 110 degrees, as it has been doing recently, I try to keep in the shade, or stay indoors. But my lavender, about halfway from full bloom, seems to thrive in it. Hot and dry, I …

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Events

April 2014
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: Art Gallery Reception for Featured Artists -- Abstract painter Evelyn Lopez de Guzman and contemporary painter Sandra Iafrate

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April 12, 2014N/A

Meet Evelyn and Sandra and other gallery artists during a free, open to the public reception for this month's Featured Artists' exhibit "Living Color,” showcasing two accomplished painters Evelyn Lopez de Guzman and Sandra Iafrate, in a vivid and dynamic presentation of color, shape and our surroundings.

Evelyn Lopez de Guzman’s vibrant paintings awaken the viewer to connect with nature and the modern world through an interplay of shape, color, and textural materials.

Sandra Iafrate’s combination of realistic and surrealist interpretation of flowers, foliage and landscapes on spacious canvases convey a sense of movement and playfulness.

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Easter at "The Park"

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April 19, 2014

Celebrate Easter at historic Morven Park with crafts for kids, an egg hunt in the formal gardens plus a traditional egg roll on the Davis Mansion lawn. Have a family photo taken with the Easter Bunny. Children should bring a basket for the hunt and a large spoon for the egg roll. $10/participating child (ages 2-12), $3/adult. Register at www.MorvenPark.org.

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VAL's Pals Kids Club

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April 30, 2014

Join Inova Loudoun Hospital as the present their Beamer the Dog Program.

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SCOUTING FOR BRICKS

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May 4, 2014

Scouting for Bricks is an exhibit showing the Love for everything LEGO® . Come see amazing LEGO® creations by Fans of LEGO®, LEGO® trains, Mindstorms robots. We will also have live Star Wars Stormtroopers and an interactive play area with over 100,000 LEGO bricks. Scouting for Bricks is fun for the Whole Family! Visit us at www.ScoutingForBricks.com.

Recent Comments

View From the Ridge

Rural Loudoun Is Different, and We Say Dark Skies Do Matter

4 Mar 2014

viewfromridge

In February of this year a sell out crowd gathered at the county public seat in Leesburg to provide feedback to the Loudoun County Planning Commission on the idea of adding additional sports lights to the upper athletic fields at Franklin Park. Franklin Park includes a really wonderful performing arts …

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Editorial

Steady and Nobull

4 Mar 2014

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Park and Ride Lots for Western Loudoun

4 Mar 2014

Jim_Burton_cropped

In 2003, the county purchased 22 commuter buses to serve a growing demand for bus service to Washington D.C. The demand has grown exponentially ever since. The county now owns or leases 65 large commuter buses (with plush seats and on board restrooms) and more are being added every year. The buses are often filled to standing room only as …

(2 comments)

Lifestyle

Sadie’s Race 5K and Fun Run Scheduled for Sunday May 18

9 Apr 2014

sadiestart

Sadie Smile Foundation is putting on the third annual Sadie’s Race/Walk and Kids Fun Run to Benefit Smile Train in Purcellville Sunday, May 18th this year. The race starts at 8:00 a.m. at the train station at 200 N 21st Street in Purcellville. Sign up at Active.com. When Sara Ablard lost her five year-old daughter, Sadie, two years ago, she …

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Dr. Joseph Rogers Dies at Family Farm

1 Apr 2014

Dr. Joseph Megeath Rogers, 90, died on Saturday March 8, 2014 at his Hillbrook Farm near Hamilton following a stroke. Physician, farmer, businessman, rural land conservationist, philanthropist and expert horseman, Dr. Rogers was a tireless advocate and practitioner of country living whose contributions in a broad range of interests were made quietly and with little fanfare. His public persona was …

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Zoldos Presented Citizen of the Year Award

1 Apr 2014

Mayor_Zoldos_Citizen_of_Year_Award

At the biweekly March meeting of the Lovettsville Town Council, Mayor Bobby Zoldos was presented the 2013 Citizen of the Year from the Lovettsville Waterford Ruritans. Presenting the award was Rick Adams, current president along with Board Member Peter Mullally and  Vice President Jeff Boogaard. Adams said, “On behalf of the Lovettsville Waterford Ruritans, we would like to present the …

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Around Virginia

Wolf Won’t Seek Re-election

Frank_wolf

Rep. Frank Wolf (R-10th) today announced that he would not seek election to an 18th term in 2014. He released the following statement announcing his decision: “I have decided not to seek re-election to the U.S. Congress in 2014. It has been an honor to serve the people of northern …

(1 comment)

Virginia Can and Should Work Harder to Combat Hunger

Frank_wolf

By Congressman Frank Wolf Last year, the USDA reported a record number of Americans are struggling to put food on their tables. Across the nation, 49 million people – including 17 million children and six million seniors – are going hungry, a number that has grown substantially over the last …

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Kaine Statement on Navy Yard Shooting

Kaine

U.S. Senator Tim Kaine released the following statement on today’s shooting at the Washington Navy Yard: “My thoughts and prayers are with everyone impacted by today’s tragic shooting at the Washington Navy Yard. As we learn more about the horrific events that unfolded this morning, my deepest sympathies go out …

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Sports

Nominate Your Hometown Hero

9 Apr 2014

ulll

Upper Loudoun Little League’s Hometown Heroes scholarship closes on April 21, 2014. The application is available online at ULLL.org. The scholarship is open to all graduating seniors who played baseball for ULLL at some point in their growing up years.

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Lady Vikings Give Back

10 Feb 2014

The Loudoun Valley Girls basketball team held an event on Friday, February 7 at LVHS. The Lady Vikings celebrated “Pink Night” by honoring those who are battling breast cancer or have been affected by breast cancer. The event was held in conjunction with an event held at Woodgrove earlier this …

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Letters

Medicaid Expansion Battle Heating Up

4 Mar 2014

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Did you know that there’s a very real possibility that a DC-style budget battle and government shutdown could come to Virginia? The Medicaid expansion battle …

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Endorsing for Profit Businesses?

4 Mar 2014

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I recently received an automated email message from the Town of Purcellville soliciting nominations for volunteer award recipients in cooperation with the Purcellville Business Association …

(2 comments)

Another Vote To Overrule Purcellville’s Board of Architectural Review

4 Mar 2014

town of purcellville sign

The Purcellville Town Council, foolishly, in the view of many and perhaps most, has overruled its Board of Architectural Review and approved Mark Nelis’s and …

(3 comments)

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