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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 “Fiscal Cliff”

September 5, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

By Amy Smith

What is the “fiscal cliff”? It’s the term being used by many to describe the unique combination of tax increases and spending cuts scheduled to go into effect on January 1, 2013. The ominous term reflects the belief by some that taken together, higher taxes and decreased spending at the levels prescribed have the potential to derail the economy. Whether we do indeed step off the cliff at the end of the year, and what exactly that will mean for the economy depends on several factors.

Will expiring tax breaks be extended?

With the “Bush tax cuts” set to sunset at the end of 2012, federal tax rates will jump up in 2013. We’ll go from six federal tax brackets (10 percent, 15 percent, 25 percent, 28 percent, 33 percent and 35 percent) to five (15 percent, 28 percent, 31 percent, 36 percent, and 39.6 percent). The maximum rate that applies to long-term capital gains will generally increase from 15 percent to 20 percent. … Continue Reading

What Does the Supreme Court Ruling on the Health-Care Reform Law Mean for You?

July 31, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

On June 28, 2012, the U.S. Supreme Court ruled in a landmark decision, that the Patient Protection and Affordable Care Act (ACA) including the provision that most Americans carry health insurance or pay a penalty, is constitutional.

The ACA, signed into law in 2010, made sweeping reforms to health-care coverage in the United States. Many provisions of the law have already taken effect. A number of other provisions are scheduled to take effect in subsequent years, including the requirement that most Americans and legal residents have qualifying health insurance (exceptions apply) or pay a penalty in the form of a tax. … Continue Reading

Asset Allocation in Retirement

June 6, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

By Amy Smith

Asset Allocation in Retirement
Your asset allocation should be dynamic and flexible-adjusting with you as you move through life. Finding your unique formula for the many years you hope to spend in retirement is an important consideration as you transition your lifestyle into your non-income producing years.

The asset allocation formula that worked for you as you were building your nest egg will need to change to a more conservative approach, perhaps allocating a greater percentage of your overall portfolio to income-generating investments as you grow older. Simply put, you don’t want to assume the same level of risk since your capacity and investing time horizon to recover from losses is no longer as great. Your focus should now be on preserving capital and generating a predictable income stream to supplement other income sources.

Allowing For Inflation
Although it’s not a problem right now, many observers believe we will be facing higher inflation down the road. That can be a very real problem in retirement. For example, at a three percent inflation rate, $100,000 worth of purchasing power declines to $54,379 in 20 years. Most people also assume that their healthcare costs are going to increase in their later years, so you will want to allow for that, too. These two factors, plus the possibility of other unexpected expenses, mean that you are likely to still need some percentage of growth-oriented assets in your portfolio.

As the market gyrations of the past few years demonstrated quite convincingly, one of the big risks of investing is having to sell at the wrong time. For this reason, you also need to keep a certain percentage of your assets liquid, in cash or equivalent, so you can access that money quickly if needed. Although everyone’s situation is different, keeping six to 24 months’ or more worth of expenses in cash is a good goal. To visualize the benefit of this, think about the difference between an investor who had to raise money by selling stocks during the market crash of 2009 versus another who could wait until a few months later.

How Long Should You Plan For?
While you can’t know for certain how many years you’ll spend in retirement, we do know that because life spans in general are increasing, the years people spend in retirement are also increasing. For example, actuaries say that for a couple who are both 65 when they retire, there’s an 85% probability that at least one of them will live past 85. This means that your assets may have to last you quite a long time.

Living longer also means that the growth oriented portion of your portfolio has more time to experience the magic of compounding. For example, if you have $100,000 allocated to that portion and are able to achieve annual returns of 6%, after 10 years you’ll have $179,084.77, and after 15 years, you’ll have $239,655.82. This assumes no losses-a good reason to stick with less-risky investments.

Asset allocation in retirement is a critically important element of your overall plan-be sure to get some expert help in deciding what’s best for you. Also, don’t forget to revisit your formula periodically to be sure your asset mix is increasingly conservative as you get older.

Amy V. Smith Wealth Management, LLC, is an independent firm. Amy is a Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA) and offers securities through Raymond James Financial Services, Inc., member FINRA/SIPC. Her office is located at 161 Fort Evans Road, NE, Ste 345, Leesburg, VA 20176. www.amysmithwealthmanagement.com.

The opinions and recommendations here are those of the columnist and not necessarily those of Raymond James or RJFS. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Expressions of opinion are as of this date and are subject to change without notice. Asset allocation does not ensure a profit or protect against a loss.

The Long-Term Care Dilemma: Insurers Leaving, Premiums Increasing

Amy Smith-BRL

If you’ve planned for long-term care, you’ve done well because there’s a pretty good chance you or your spouse will have a need for care at some point. According to the National Clearinghouse for Long-term Care (www.longtermcare.gov) about 70 percent of people over age 65 will need some type of care during their lifetimes and more than 40 percent will require care in a nursing home.
According to the National clearinghouse, in 2010 it cost an average of $75,000 per year ­for a semiprivate room in a nursing home, while one year of care at home costs about $19,700 per year. … Continue Reading

There’s Still Time to Contribute to an IRA for 2011

April 4, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

Good news! There’s still time to make a regular IRA contribution for 2011. You have until your tax return due date (not including extensions) to contribute up to $5,000 for 2011($6,000 if you were aged 50 by December 31, 2011.) For most taxpayers, the contribution deadline for 2011 is April 17, 2012. Normally, your tax return must be filed by April 15. However, the IRS has extended the deadline to April 17 this year because April 15 is a Sunday and April 16 is a holiday in Washington, D.C. (Emancipation Day). … Continue Reading

The Power of Dividends in a Portfolio

March 7, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

By Amy Smith

It wasn’t so long ago that many investors regarded dividends as roughly the financial equivalent of a record turntable at a gathering of MP3 users – a throwback to an earlier era, irrelevant to the real action.

But fast-forward a few years and things look a little different. Since 2003, when the top federal income tax rate on qualified dividends was reduced to 15 percent from a maximum of 38.6 percent, dividends have acquired new respect. Favorable tax treatment isn’t the only reason, either; the ability of dividends to provide income and potentially help mitigate market volatility is also attractive to investors. As baby boomers approach retirement and begin to focus on income-producing investments, the long-term demand for high-quality, reliable dividends is likely to increase. … Continue Reading

Modestly Optimistic in 2012?

February 2, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

“We are suffering just now from a bad case of economic pessimism. It is common to hear people say the epoch of enormous economic progress which characterized the century is over; that the rapid improvement in the standard of life is now going to slow down; that a decline in prosperity is more likely than an improvement in the decade which lies ahead.” — John Maynard Keynes … Continue Reading

7 Steps to Increase Your Wealth

January 5, 2012 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

By Amy Smith

Being rich is not hard. It’s a matter of adopting the right attitude.

After all, the woman convinced by her mother that she’ll always be poor is unlikely to take steps to attain substantial wealth. And the couple who plays it safe to ensure a comfortable lifestyle for the kids won’t take perceived risks to change their financial situation. … Continue Reading

Social Security is Worth the Wait

November 2, 2011 by Blue Ridge Leader Amy V. Smith’s Money Talks, Columns Be the first to comment
Amy Smith-BRL

By Amy V. Smith

According to the Social Security Administration, more than nine out of ten individuals age 65 and older receive Social Security benefits.

Anyone considering retirement and drawing Social Security retirement benefits should have an understanding of how this important decision will affect his or her family and themselves. For someone whose full retirement age is 66, drawing benefits at age 62 permanently reduces an individual’s per year base benefit by 25 percent. While it is true that some people needed to retire, or found themselves in situations where the decision was made for them, it is more financially advantageous to wait. “If you wait, you will receive a guaranteed increase each year of seven to eight percent per year until you reach age 70,” says Raymond James Senior Tax and Estate Consultant Susan Hartman. … Continue Reading

Save a Fortune on Herbs and Spices

October 6, 2011 by Blue Ridge Leader Columns, Uncategorized Be the first to comment
money

By Cat Morris

We are coming into spice season. Mmmmmm! Cinnamon, nutmeg, and clove come to mind as the weather begins to turn and the days get shorter. Now is a great time to clear out your old herbs and spices so you can start the cool weather season on a fresh, flavorful note.

If you’re like me, you never remember what you have in the cabinet, and often return from the store with a container of herbs or spices as insurance against being left short on a special recipe. I believe we all have that spice we can never recall seeing recently in the cupboard, and that spice, for me, is cinnamon. No matter that I possess pounds of the stuff: I inevitably find myself staring at grocery shelves, wondering, “Am I out of cinnamon?”

Now is the time to officially take inventory and update my holdings. In addition to lots of cinnamon, I admit to owning ancient jars of stuff I’ve barely touched. It hurts to think of tossing something for which I paid a pretty penny, and just possibly might need someday.

The good news is that since I first bought some of those ancient, pricey jars, I have discovered that quality herbs and spices are not expensive. In fact, if you have been buying your herbs and spices from a mainstream grocery store, as I used to; cease and desist: Supermarkets impose scandalously large mark-ups on spices. That .12 ounce jar of McCormick bay leaves that costs $3.99 at your favorite grocery store? The same quantity from a local health food store will set you back a whole 17 cents. Did that get your attention?

Let’s do some math:

As of this writing, McCormick bay leaves at one major grocery store cost $3.99 for a .12 ounce jar, which comes to $33.25 per ounce, or $532 per pound (not that you’d ever need a whole pound of bay leaves).

By contrast, Frontier brand bay leaves from the bulk section at Natural Mercantile of Hamilton cost about $1.21 per ounce, or $19.30 per pound. Yes, that would be a $512.70 price difference from the grocery store for a pound of the same product.

[Incidentally, if you were to actually need a whole pound of bay leaves, Costco sells a one-pound container for a whopping $6.40.]

Would you like another example? Ground cloves are priced between $6-8 dollars per ounce at one major grocery store right now. I found them elsewhere for $.86 per ounce. In a recent comparison shopping exercise, I found that I could replace one-ounce quantities of fifteen common herbs and spices for less than $14 total by buying them outside a supermarket, versus upwards of $60 at the supermarket.

Another fantastic, and often even less expensive, source for herbs and spices is ethnic food stores. Indian markets, or Mediterranean and Mexican grocers will have large quantities of excellent quality spices for a fraction of the cost at a mainstream grocery store.

Unless it’s a seasoning I use a lot, I prefer to buy herbs and spices from a health food store because I can purchase as little or as much as I like. I am charged only for what I take. If I need a larger quantity, I’ll hit a local ethnic store for high quality spices sold in larger amounts, and store them at home in pint sized mason jars. And of course, if you can use a pound or so of a seasoning (I can’t) warehouse stores such as Costco offer fantastic prices.

How long will your freshly purchased herbs and spices keep? The Virginia Cooperative Extension’s Food Storage Guidelines for Consumers indicates that dried herbs and ground spices will stay fresh at room temperature for six months, or one to two years in the freezer. Whole spices will last 1-2 years at room temperature and 2-3 years in the freezer. (Interestingly, the shelf life of ground mustard is reduced by chilling it, so always keep mustard at room temperature.) If you keep your spices at room temperature, keep them in a dry, dark location. Avoid storing them above your cook top, where their flavor will suffer from heat.

The best way to check the freshness of herbs and spices is to open the container, put some in your hands, and check for strong aroma, taste and color. Seasonings kept longer than recommended won’t hurt you, so don’t fret if your oregano is five years old. It won’t do harm, but it won’t have much taste, either.
I’d love to hear where you find the best bargains on herbs and spices in the area. Email me at Cat.Morris@earthlink.net or visit us online at brleader.com and leave your comment following my column.
In last month’s column I promised an article on extreme frugality. I spoke too soon. My apologies, but I couldn’t resist writing about getting great deals on herbs and spices first, what with holiday cooking right around the corner!

Market Volatility and Your Emotions

Amy Smith-BRL

“Market volatility: period when financial instrument prices fall quickly or go up by an unusual amount.” That’s a dictionary definition. Mine is more like the “I’m going to be sick” feeling that usually accompanies a roller coaster ride at my daughter’s favorite theme park. Unless you’ve not been checking your emails, reading newspapers, or watching television (a.k.a. “vacation”), you know it’s been a bumpy ride the last few weeks, and some financial experts say it might be like this for a while.

Here are some things you might want to consider before F.E.A.R. (False Evidence Appearing Real) kicks in:

  1. Don’t Panic: No matter how careful you are, you can neither predict nor control the future. No one has a crystal ball.
  2. Know what you own and why you own it: When the market goes off the tracks, knowing why you originally made a specific investment can help you evaluate whether those reasons still hold and whether a lower price might actually be a buying opportunity. It is individual stocks that determine the market, not vice versa. Buy value, not market trends or the economic outlook. … Continue Reading

Ten Ways You Can Save Money this Month

August 30, 2011 by Contributor Columns Be the first to comment
money

By Cat Morris
 
Think about this: Once you spend a dollar on a one-time-use item or experience, your dollar is gone forever.
 
When I buy paper goods to use at a barbecue, I exchange hard earned dollars for those paper goods, and as soon as the cups and plates hit the trash, the value of those goods, and the dollars I paid for them, is zero. Gone forever.
 
This is obvious, right?
 
Now think about this: When I buy a needed piece of furniture with my dollars, I spend hard earned dollars, but I continue to own the value of those dollars, in a sense, as long as I own and use the furniture. If I buy wisely, my furniture might even increase in value over time. … Continue Reading

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Sustainable Planet

Turtle Soup

17 Dec 2014

noerpel150

“We can debate this forever. George Will had a column in the last year or so pointing out that in the 70s, we were concerned the ice age was coming. I’m not a scientist. I’m interested in protecting Kentucky’s economy.” …

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Ask Dr. Mike

How To Discuss Racism with Your Children After Ferguson

10 Dec 2014

Michael_Pic

Protests regarding the grand jury’s decision to not indict Officer Darren Wilson for fatally shooting 18-year-old Michael Brown continued for several days and even spread across the country. The ruling and protests (some peaceful and some violent) have left the …

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Just Like Nothing (Else) on Earth

Just Like Nothing (Else) on Earth: Woodburn Road

10 Dec 2014

Point of Rocks

You know, when you look at a body of water, you never really know what lies beneath that often peaceful-looking surface; in Loudoun County (our little locality of contradictions and seeming time vortexes) the same can be said of many …

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Just Like Nothing (Else) on Earth: Point of Rocks

5 Nov 2014

point of rocks

Yeah, I know; I seem to be coming up with a list of contradictions for this particular place: Imposing yet stimulating, simultaneously calming and invigorating, ethereal and grounding, still and moving. Those are just some of the pairs of opposing …

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Sushi's Corner

Sushi

10 Dec 2014

sushi

Dear Friends of the Farm, As Christmas approaches, everyone on our little farm is cheerfully decorating and working toward the many holiday orders, orders that are sure to make wonderful feasts to be shared with family and friends. This Christmas …

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Virginia Gardening

December A Time To Look Back – A Time To Plan

10 Dec 2014

donnawilliamson

By Donna Williamson December is a great time to look back on the gardening year and remember what went well or failed miserably. Last winter’s winter-sowing of seeds went very well in spite of the polar vortex and I was …

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Samuel Moore-Sobel

Author Examines Nelson Rockefeller

10 Dec 2014

sobelpic

A few weeks ago I found myself sitting in a lecture hall listening to noted presidential historian Richard Norton Smith discussing his new book entitled, “On His Own Terms.” Smith argued that despite his many flaws, Nelson Rockefeller had a …

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Amy V. Smith's Money Talks

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

10 Dec 2014

Smith0035

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 …

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Student News

Loudoun Student Awarded Environmental Scholarship

6 Jul 2014

Allison_Arpajian

American Disposal Services is proud to announce Allison Arpajian, the Loudoun County recipient of their Annual American Disposal Services Inc. Scholarship. Applications were distributed to all public high schools in Loudoun and Fairfax Counties. One winner was chosen from each …

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Local Residents Graduate from the College of William & Mary

3 Jul 2014

The following residents recently graduated from the College of William & Mary: Alexander Graeme Thomson, from Hamilton (20158), with a BS degree. Gabrielle Alana Graves, from Middleburg (20117), with a BA degree. Kathleen Warren Hale, from Middleburg (20117), with a …

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Kevin Sherman Graduated from Ithaca College

3 Jul 2014

Kevin Sherman, a native of Middleburg, Va., graduated from Ithaca College’s School of Health Sciences and Human Performance with a degree in Sport Studies. The degree was awarded in May 2014.

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Events

December 2014
M T W T F S S
1

Afghan Treasures Trunk Show

Close

December 1, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

2 3

Afghan Treasures Trunk Show

Close

December 3, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

4 5

Afghan Treasures Trunk Show

Close

December 5, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

6

Notaviva Vineyards - Bluegrass Jam - FREE event

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December 6, 2014

Notaviva Vineyards
13274 Sagle Rd
Purcellville, 20132
540-668-6756

Notaviva Vineyards presents their monthly Bluegrass Jam a FREE event held the first Saturday of every month!

An event for all ages featuring Ashby Run. Open to players of every skill level

3pm-6pm Saturday 7/5

Wine available by the glass and by the bottle, lite snacks available. Must be 21 to drink alcohol.

7

Afghan Treasures Trunk Show

Close

December 7, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

African Trunk Show (Free!)

Close

December 7, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
United States
7038482323

African Trunk Show with Beadazzled

444 West Broad St, Falls Church VA 22046
www.Beadazzled.com / 703-848-2323
Join Beadazzled in celebrating the diverse beads and crafts of the African continent and its many peoples. Africa’s rich history of adornment is reflected in the vast selection and variety of beads we will have at our trunk show.
From African-made brass, copper, and white metal beads and pendants from Ethiopia, Ghana and the Ivory Coast; organics such as clam, ostrich egg, and coconut shell beads, batik bone bone beads as well as snake and fish vertebrae; and powder glass beads to the profusion of Venetian and Bohemian glass trade beads from the African trade, you will be sure to find something to add to your collection or enhance your jewelry.
Don’t miss this chance to see, learn about, and shop for African beads and crafts from our friend Ebrima who has been buying and selling beads for decades. Ebrima will happily share his knowledge and answer questions during his exclusive shows at Beadazzled here and on the 6th in Baltimore. And as always, our wonderful staff will be delighted to assist you in hand-selecting the perfect beads for your next project or gift.

8 9

Afghan Treasures Trunk Show

Close

December 9, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

10 11

Afghan Treasures Trunk Show

Close

December 11, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

Start Your Business (Loudoun)Start Your Business Seminar

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December 11, 2014

Is owning a small business a good fit for me? What are the steps for starting a business? Will I need funding? What are potential sources of funding? Ruth Cope, Assistant Director of the Loudoun SBDC, and Arthur Thompson, a Principal of Keyser Thompson Insurance Agency, will answer these and other questions essential for successfully starting a small business. Highlights will include:

  • Entrepreneurial traits
  • Taxes and licensing
  • Business plan development
  • Sources of financing
  • Marketing
  • Insurance

 

 REGISTER at LoudounSBDC.eventbrite.com.

Fee:  $10 online registration; $15 at the door
Those paying at the door are not guaranteed seating.

12 13

Afghan Treasures Trunk Show

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December 13, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

Barns of Rose Hill presents “The Woodshedders”

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December 13, 2014

Barns of Rose Hill
95 Chalmers Ct.
Berryville, VA 22611

Doors open at 7:30 PM show starts at 8:00 P.M. The Woodshedders are known for fun, danceable shows that swerve between different genres to create exciting original sounds. They bring together the diverse influences of American Country, Rhythm & Blues, Old-Time, Bluegrass, and Gypsy Jazz. The lineup includes Dwayne Brooke on guitar and vocals, Ryan Mayo on upright bass and piano, Jared Pool on guitar and mandolin, Jesse Shultzaberger on drums, and Dave Van Deventer on fiddle. The band has played Bristol Rhythm & Roots Festival, Mountain Stage New Song Fest, PBS Song of the Mountains, WAMU’s Capital Americana, and are the host band of Virginia’s Watermelon Park Fest. Their third all-original album, Wildfire, was released in 2013 and explores the band’s diverse roots music influences, and spotlights its virtuosic members. $15.00 in advance, $20.00 at the door. www.barnsofrosehill.org

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15

Afghan Treasures Trunk Show

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December 15, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

16

Bookkeeping and Taxation for Small Businesses

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December 16, 2014

Richard Hall, a CPA with over 37 years of accounting experience, will explain:

 

  • Record setup
  • Monthly and quarterly filing and bookkeeping responsibilities
  • The four most common tax returns for companies
  • Important areas of corporate accounting
  • Some new tax requirements

 

The seminar fee is $25 for registration at www.LoudounSBDC.eventbrite.com or $30 at the door. Those who pay at the door are not guaranteed seating or handouts.

 

17

Afghan Treasures Trunk Show

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December 17, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

18 19

Afghan Treasures Trunk Show

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December 19, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

20

Gustafer Yellowgold's "The Tooth Will Set You Free" Tour

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December 20, 2014

Franklin Park Arts Center
36441 Blueridge View Lane
Purcellville, VA 20132

Two performances - 1:00 p.m. & 3:30 p.m. Pancake lunch - 2:00 p.m.

Celebrate the release of Gustafer’s brand new DVD/CD set: “Gustafer Yellowgold’s Wisdom Tooth Of Wisdom”

“The show is a cross between ‘Yellow Submarine’ and Dr. Seuss.” - The New York Times

An absurdly funny and touching multi-media concert of live songs, stories and animation, performed by award-winning illustrator/songwriter Morgan Taylor.

This live performance will feature new songs and videos from Gustafer Yellowgold's Wisdom Tooth of Wisdom, along with plenty of fan favorites from the five previous Gustafer Yellowgold releases, as well as this year's hit single, "Cakenstein."

21

Afghan Treasures Trunk Show

Close

December 21, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

22 23

Afghan Treasures Trunk Show

Close

December 23, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

24 25

Afghan Treasures Trunk Show

Close

December 25, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

26

December Fourth Friday at Breaux

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December 26, 2014

Breaux Vineyards
36888 Breaux Vineyards Lane
Purcellville, 20132
United States
540-668-6299 ext. 204

Come enjoy the magic of winter evenings overlooking 105 acres of beautiful, lush vines at Fourth Fridays. We will have live music on the patio, food for purchase, and endless enchanting views as the sun sets over the vineyard.  Enjoy $4 mini tastings and a great selection of wines by the glass as you enjoy a fun evening with friends and your Breaux Vineyards family.

Don't miss any of these fun evenings!  The fourth Friday of each month from 5-9pm is reserved for this great event, so plan ahead!

27

Afghan Treasures Trunk Show

Close

December 27, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

28
29

Afghan Treasures Trunk Show

Close

December 29, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

30 31

Afghan Treasures Trunk Show

Close

December 31, 2014

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

1 2

Afghan Treasures Trunk Show

Close

January 2, 2015

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

3

Notaviva Vineyards - Bluegrass Jam - FREE event

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January 3, 2015

Notaviva Vineyards
13274 Sagle Rd
Purcellville, 20132
540-668-6756

Notaviva Vineyards presents their monthly Bluegrass Jam a FREE event held the first Saturday of every month!

An event for all ages featuring Ashby Run. Open to players of every skill level

3pm-6pm Saturday 7/5

Wine available by the glass and by the bottle, lite snacks available. Must be 21 to drink alcohol.

4

Afghan Treasures Trunk Show

Close

January 4, 2015

Beadazzled
444 West Broad St
Falls Church, 22046
703-848-2323

Join Beadazzled for an amazing three-day trunk show of treasures from Afghanistan.

Our collection will include a dazzling array of gemstones in different shapes, sizes, and finishes in lapis, turquoise, and old carnelians along with unusual iridescent heat-treated copper findings and beads-- and so much more.

Antique jewelry and beautiful hand-made rugs and other textiles will also be for sale. These hand-crafted products come from cottage industries, and we are proud to help preserve South Central Asian cultural heritage by marketing this unique Afghan work.

Help us support these skilled artisans by visiting our Trunk Show anytime during store hours from the 24th to the 26th of October!

Visit www.Beadazzled.com to learn more about this and other events.

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View From the Ridge

Debt, Debt and, More Debt … Or, Is There an Alternative?

10 Dec 2014

blueridge2

The entire trajectory of the Town of Purcellville can be summarized in one word. Debt. The massive debt the town incurred to build the wastewater treatment plant – which currently operates at just 40 percent capacity – stands at $33 million. There was a $6 million mandated upgrade to the …

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Editorial

December Cartoon

10 Dec 2014

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Sweeping Zoning Changes Continue To Be Proposed

3 Sep 2014

town of purcellville sign

Visions Of Purcellville Looking Like Reston At the August 21 Purcellville Planning Commission Work Session town community development staff continued to forge ahead with sweeping zoning changes to the town. Latest in the discussion was the PDH zoning district. Vice Chair Dennis Beese mentioned that he thought the goal was to make Purcellville look like Reston. This PDH district is …

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Lifestyle

What You Don’t Know About Propane – But Should

10 Dec 2014

daveschultz

Answers And Insights That Could Save You Thousands An Interview With Dale Schultz Where Does Propane Come From? Dale Schultz: Propane is a by-product of drilling for Natural Gas (Methane). All propane in our area comes from North America. The U.S. is a net exporter of propane, primarily to Central and South America. The propane is separated from the methane, …

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Loudoun Valley Is Where Jones’s Heart Is

10 Dec 2014

rodneyjones

By Hannah Hager If the home is where the heart is, then Loudoun Valley High School is home for Rodney Jones and its students and staff are his family. A life in education felt like second nature to him because Jones, who is Social Science Department chair and presents lectures on both psychology and modern world history, comes from a …

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Holidays – The Season of Giving

10 Dec 2014

Gunderman

By Mark Gunderman Besides the many commandments in the Torah instructing us to love our fellow man, there is also an explicit commandment to open your hand to the poor and to give or loan them whatever they need to keep from spiraling into poverty. In Judaism, giving to the poor is not considered a generous act; it is called …

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Wild Loudoun

The Red-Legged Partridge – Here in Song, Spirit, and … the Flesh?

10 Dec 2014

wildloudoun

“The Twelve Days of Christmas” was first published in the late 1700s. Celebrating a wealth of gift giving and other activities that take place from late December through early January, the famous carol is most well known for its iconic opening verse, “On the first day of Christmas my true love sent to me a partridge in a pear tree.” …

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Around Virginia

Virginia Constitutional Amendment Passes

Amendment by Ramadan Gives Tax Relief to Families of Service Members ‘Killed In Action’ Delegate David I. Ramadan’s (R-87th) proposed Constitutional Amendment, which passed through the General Assembly twice unanimously, was approved by more than 87 percent of those who voted in Virginia’s statewide election yesterday. It was the only …

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Wolf Urges Holder to Investigate Oklahoma Beheading as Terrorist Attack

Frank_wolf

Rep. Frank Wolf (R-VA), chairman of the House Appropriations subcommittee that funds the Department of Justice, today sent the following letter to U.S. Attorney General Eric Holder asking him to investigate the recent beheading in Oklahoma as a terrorist attack and to not just quickly dismiss it at workplace violence …

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Governor McAuliffe Announces Measures to Expand Healthcare Services to Over 200,000 Virginians

McAuliffe

Launches 10-step plan that will reach Virginia’s most vulnerable citizens Governor McAuliffe launched A Healthy Virginia, a 10-step plan to expand healthcare services to over 200,000 Virginians. This plan is an unprecedented action by any governor in Virginia history and includes authorizations of four emergency regulations, one executive order, and …

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Sports

Register Now for Rugby

19 Oct 2014

Western Loudoun Youth Rugby Club is looking for players for the U15 Boys team, U19 Girls team, and the U19 Boys team. The club is having a pre-season meeting on October 23 at 7:00 p.m. at the Purcellville Baptist church. During this meeting, any new players interested in learning more …

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Little League Season Update

8 Aug 2014

ulll

By Carri Michon This spring 2014 Upper Loudoun Little League season found drenching rains making fields unplayable on a regular basis. Over 100 games were rescheduled due to wet, soggy fields, said league president, Norris Beavers. “The most I have ever remembered in my 28 years of volunteering with Upper …

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Letters

Doesn’t Belong on 32nd St

10 Dec 2014

town of purcellville sign

Purcellville is a town loaded with character and charm. Increasingly residents seem keen to preserve what makes our town distinct from others. This is true …

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Put Family Farmers Back Into Farm To School

10 Dec 2014

Hillsboro_Farmers_Market,_fruit

Farm to School programs appeared in the 90′s with a three-way focus: fresh, local foods in schools; agriculture and nutrition education in classrooms and purchases …

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A Time of Gathering and Reflection

10 Dec 2014

home_for_christmas

It seems like December is all about Christmas.  And that means Black Friday, endless renditions of “Rudolph the Red-Nosed Reindeer,” Grinches, Scrooges, dysfunctional family stories …

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