Home » Your Money » Recent Articles:

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

Current Print Issue:

Sign up for our email newsletter:

Find us on Facebook:

Sustainable Planet

Neo-Liberal Economists: “We Are Irrational”

21 Jan 2015

noerpel150

“Irrational is a strong word, which connotes impulsivity, emotionality, and a stubborn resistance to reasonable argument.” Economics Nobel laureate Daniel Kahneman [1] On global warming Kahneman wrote that it is “preposterous to forecast what it would be like to live …

(Be the first to comment)

Ask Dr. Mike

Coping with the Post-Holiday Blues

6 Jan 2015

Michael_Pic

By Michael Oberschneider, Psy.D. The holidays are over and a new year has just begun. For many this is a time of joy and rejuvenation, but for many others, this time of year can be very difficult. Seasonal Affective Disorder, …

(Be the first to comment)

Just Like Nothing (Else) on Earth

Just Like Nothing (Else) On Earth: Keyes Gap

6 Jan 2015

keyes gap

This is a place I have seen in all weathers, in all seasons and under a variety of circumstances: It’s not a location I’d send a friend (or just about anyone else) during anything like inclement weather, as the local …

(Be the first to comment)

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 …

(1 comment)

Sushi's Corner

January Sushi

6 Jan 2015

lamb

A winter’s rose stood all alone in the solitude of the forbidden woods just beyond the opposite edge of our creek bed. Her perfect head glistened, silver drops of water like diamonds hung from her delicate petals. The clear waters …

(Be the first to comment)

Virginia Gardening

Preparing Your Garden for Spring

6 Jan 2015

FrecklesRose

By Donna Williamson My winter sowing experiments of the last two winters have been entertaining and successful. One of the amazing things is that growing woody plants from seed is remarkably easy. Hydrangeas, abelias, and roses have germinated and grown …

(Be the first to comment)

Samuel Moore-Sobel

The Unparalleled Joys of Travel

6 Jan 2015

sobelpic

By Samuel Moore-Sobel The holiday season is known for many things, such as spending time with family, opening presents and eating lots of food. Yet travel usually plays a part in the holidays as well. As many can attest to, …

(Be the first to comment)

Amy V. Smith's Money Talks

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

6 Jan 2015

Smith0035

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 …

(Be the first to comment)

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 …

(Be the first to comment)

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 …

(Be the first to comment)

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.

(Be the first to comment)

Tags

21st Street... 2012 Election... Aldie... Aldie Elementary School... Amy V. Smith... Andrea Gaines... Andrew McKnight... Appalachian Trail... Armed robbery... Ask Dr. Mike... Attorney General Cuccinelli... Autumn Hill... Babe Ruth World Series... Ball Property... BAR... Barbara Comstock... Barns of Rose Hill... Behind the Scenes... Benjamin Packard... Berklee College... Bethany Anne Decker... Bill Druhan... Bluemont... Bluemont Concert Series... Bluemont Fair... Blue Ridge Middle School... Bob Lazaro... BRMS... Business... Butterfly Gourmet... Campaigns... Carl Fischer... Caroline Greer... Catoctin Creek... Catoctin Creek Apartments... Catoctin Creek Distilling Co.... Chairman Scott York... Christian Sierra... Christkindlmarkt... Column... Columns... Committees at a Glance... Crooked Run... Dave LaRock... Dave Williams... David La Rock... Dear Editor... Delegate Joe T. May... Development... Dine With Us... Donna Williamson... Doug McCollum... Down Syndrome Association... Dulles Greenway... Dulles Rail... Dulles Toll Road... Ebola... Editorial... Environment... Equestrian... Events... Faith... Farm and garden... Fields of Athenry... Franklin Park... Franklin Park Arts... Frank Wolf... Furnace Mountain Band... Gabriella Miller... George Allen... GLBR... Gold Award... Gold Cup... Good Shepherd Alliance... Gov. McDonnell... Governor McAuliffe... GSA... Halloween... Halloween block party... Hamilton... Hamilton Day... Hamilton Elementary School... Hampden-Sydney College... Hannah Hager... Hannah James... Harris Teeter... Hill High Store... Hillsboro... Hillsboro Elementary School... Hillsboro Farmers Market... Hirst Road... HUBZone... Hunt Country Gourmet... Hurricane Sandy... Ida Lee... Inova... James Madison University... Janet Clarke... Jim Burton... JMU... Joe May... John Flannery... Joshua's Hands... Jr.... Karen Jimmerson... Keith Melton... Kelli Grim... Kitchen Science Kids... Kwasi Fraser... Ladies Board of Inova Loudoun Hospital... Ladies Board Rummage Sale... Lansdowne... Latanger N. Gray... LCHS... LCPL... LCSO... Leadership Loudoun... Leah Enright... Leesburg... Lincoln... Lincoln Elementary School... LINK... Loudoun BOS... Loudoun Country Day School... Loudoun County... Loudoun County BOS... Loudoun County Fair... Loudoun County Fairgrounds... Loudoun County Fire and Rescue... Loudoun County Government Reform Commission... Loudoun County Master Gardeners... Loudoun Interfaith Relief... Loudoun Lyric Opera... Loudoun Master Gardeners... Loudoun Wildlife Conservancy... Loudoun Youth Volleyball... Lovettsville... Lucketts... LVHS... Lyme Disease... Malcolm Baldwin... Mark Dewey... Mark Gunderman... Mark Nelis... Mary Baldwin College... Mary Daniel... Mary M. Bathory Vidaver... Mary Rose Lunde... Mayor Kwasi Fraser... Mayor of Purcellville... Meredith McMath... Metro... Middleburg... Middleburg Academy... Middleburg Film Festival... Mitt Romney... monarch butterflies... Morven Park... Mosby Heritage Area Association... Music... MWAA... Nichol's Hardware... NoVa West Lacrosse... Oatlands... Old Dominion Valley... Open Burning Ban... Opinion... Patrick Henry College... Police Blotter... Polka Dots... Potomac Falls High School... President Obama... Public Safety... PUGAMP... Purcellville... Purcellville Board of Architectural Review... Purcellville Business Association... Purcellville Crossroads... Purcellville First Friday... Purcellville Planning Commission... Purcellville Police... Purcellville Police Blotter... Purcellville Town Council... Question 1... Randolph_Macon Academy... Real estate... Rep. Frank Wolf... Rob Jones... Round Hill... Sadie's Race... Salamander Resort... Sam Brown... Samuel Moore-Sobel... Schools... SCR... Shenandoah University... Sheriff Chapman... Southern Collector Road... South Riding... Sports... St. Francis de Sales Catholic Church... St. James United Church of Christ... Sterling... Sterling Costco shooting... Stop Hunger Now... Supervisor Delgaudio... Supervisor Eugene Delgaudio... sushi... Sushi's Corner... Sustainable Corner... Sustainable Loudoun... Tally Ho... The Little Mermaid... Thomas Balch Library... Tim Jon... Tim Kaine... Tony Noerpel... Town Council... Toys for tots... Transportation... Tree of Life... ULLL... University of Mary Washington... Upperville... Veterans... View... View from the Ridge... Vineyards... Vineyard Square... Virginia Gardening... Virginia Gold Cup... Waterford... Waterford Fair... Watermelon Park... Wild Loudoun... Woodgrove... Woodgrove High School... Wounded Warrior... Your Money

Events

February 2015
M T W T F S S
26

Afghan Treasures Trunk Show

Close

January 26, 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.

27

JAN Loudoun Federal Contractors Group Networking Event

Close

January 27, 2015

Network and hear Scott Orbach, President of EZGSA, present briefly on GSA Schedules: Untapped Opportunities, Unseen Risks. Learn what the schedules are all about, why they’re in such high demand by government buyers and vendors, how to keep competitive pricing while retaining profitability, and where to find unpublished opportunities. He’ll also talk about GSA risks, including involuntary price reductions, country of origin requirements, and scams. Neophyte and veteran contractors wanting to move forward on their goals are welcome.

The event is free. Registration at LoudounSBDC.eventbrite.com is requested.

Event sponsor:   TD Bank
Group founder:   Loudoun SBDC

28

Afghan Treasures Trunk Show

Close

January 28, 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.

29 30

Afghan Treasures Trunk Show

Close

January 30, 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.

31 1

Afghan Treasures Trunk Show

Close

February 1, 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.

2 3

Afghan Treasures Trunk Show

Close

February 3, 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.

4 5

Afghan Treasures Trunk Show

Close

February 5, 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.

6 7

Afghan Treasures Trunk Show

Close

February 7, 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.

Notaviva Vineyards - Bluegrass Jam - FREE event

Close

February 7, 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.

8

Be Mine, HeARTS & Wine Painting!

Close

February 8, 2015

North Gate Vineyard
16031 Hillsboro Road
Purcellville, 20132
540-668-6248

Join local artist, actress and sculptor, Penny Hauffe as we paint an original Valentine's themed work of art!  No experience necessary, as you will be given personal step by step instructions.

Bring a friend and you will have a wonderful Sunday afternoon filled with fun! All supplies as well as one glass of wine and a selection of cheeses are included in the ticket price. See you on Sunday, February 8 at Noon.

9

Afghan Treasures Trunk Show

Close

February 9, 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.

10 11

Afghan Treasures Trunk Show

Close

February 11, 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.

12

Start Your Business (Loudoun)

Close

February 12, 2015

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? Robin Suomi, Executive 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.

13

Afghan Treasures Trunk Show

Close

February 13, 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.

Notaviva Vineyards presents 4th Annual My Funny Valentine Comedy night

Close

February 13, 2015

Notaviva Vineyards
13274 Sagle Road
Purcellville
Virginia, 20132
United States

4th Annual My Funny Valentine at Notaviva Vineyards With NBC Series Last Comic Standing semi-finalist Jason Weems!

Friday 2/13/15
Host: Stavros Halkias
Feature: Adrian Rodney
Headliner: Jason Weems

Saturday 2/14/15
Host: Josh Kuderna
Feature: Stavros Halkias
Headliner: Jason Weems

Doors Open: 7:00p
Comedy Show: 8:00 - 10:00p

$37.00 per person

Light fare will be available for purchase during the show.

** Wine available for purchase by the glass or bottle. 21+ to consume alcohol. 

 

14

Notaviva Vineyards presents 4th Annual My Funny Valentine Comedy night

Close

February 14, 2015

Notaviva Vineyards
13274 Sagle Road
Purcellville
Virginia, 20132
United States

4th Annual My Funny Valentine at Notaviva Vineyards With NBC Series Last Comic Standing semi-finalist Jason Weems!

Friday 2/13/15
Host: Stavros Halkias
Feature: Adrian Rodney
Headliner: Jason Weems

Saturday 2/14/15
Host: Josh Kuderna
Feature: Stavros Halkias
Headliner: Jason Weems

Doors Open: 7:00p
Comedy Show: 8:00 - 10:00p

$37.00 per person

Light fare will be available for purchase during the show.

** Wine available for purchase by the glass or bottle. 21+ to consume alcohol. 

 

Lobster & Jazz on Valentine's Day!

Close

February 14, 2015

North Gate Vineyard
16031 Hillsboro Road
Purcellville, 20132
USA
540-668-6248
Lobster Maine-ia returns to North Gate on Saturday February 14th, bringing the area's freshest source of Maine Lobster this side of the Potomac! They will be set up outside, serving the freshest lobster dishes just for you from noon until 5:30pm, including lobster bisque in the tradition of our Soup Saturdays!
Musician Quentin Walston also returns by popular demand, performing his style of jazz piano, creating the perfect atmosphere for a Valentine's Day afternoon.  Special heart shaped truffles by The Perfect Truffle complete the day!

15

Afghan Treasures Trunk Show

Close

February 15, 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.

16 17

Afghan Treasures Trunk Show

Close

February 17, 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.

18 19

Afghan Treasures Trunk Show

Close

February 19, 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.

Small Business Taxes, including Tax Law Updates

Close

February 19, 2015

If you are confused and stressed about small business taxes, you’re not alone. But help is at hand.
Thomas Butler, EA and Co-founder of Acumen Accounting, Inc., in cooperation with the IRS, brings you publications, tax calendars, and GUIDANCE on:

•    Tax law updates
•    The Affordable Health Care Act
•    Records to keep for sole proprietorships, partnerships, corporations and LLCs
•    Worker classification: employee vs. independent contractor

REGISTER at LoudounSBDC.eventbrite.com.

Fee:  $25 if register online; $30 at the door
Those who pay at the door are not guaranteed seating or handouts.

20 21

Afghan Treasures Trunk Show

Close

February 21, 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.

22
23

Afghan Treasures Trunk Show

Close

February 23, 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.

24 25

Afghan Treasures Trunk Show

Close

February 25, 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.

26 27

Afghan Treasures Trunk Show

Close

February 27, 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.

28 1

Afghan Treasures Trunk Show

Close

March 1, 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.

Recent Comments

View From the Ridge

Correct Course and Review the Comprehensive Plan

6 Jan 2015

blueridge2

Like a ship lost at sea, many residents of Purcellville see the development patterns in and around town as having drifted dangerously off course. The Autumn Hill/Mayfair development – which resulted in the annexation of previously open land, is one example of this drift. The Vineyard Square development project, which, …

(Be the first to comment)

Editorial

Liberty in the 21st Century

6 Jan 2015

malcolm_baldwin

By Malcolm F. Baldwin Our elected leaders frequently express thanks for the “blessings of liberty,” reminding us of the importance of adhering to our founding fathers’ “original intent” as expressed in the Constitution. But what, exactly, is “liberty,” and what guidance would the founders offer us in facing today’s complex issues? Within only a few years of independence from Britain …

(Be the first to comment)

December Cartoon

10 Dec 2014

(Be the first to comment)

Lifestyle

Call for Volunteers

25 Jan 2015

loudoun_wildlife_conservancy_bandana

On Saturday, January 31 from 10:30 – 11:30 a.m., the Loudoun Wildlife Conservancy will host a Volunteer Orientation and Opportunity Showcase at the Morven Park Carriage Museum. Want to learn more about Loudoun Wildlife Conservancy? Do you want to get involved in your community, but don’t have a good idea where to start? Do you want to meet some new …

(Be the first to comment)

Two Kitchen Cousins Present – Let’s Throw a Winter Chili Party

6 Jan 2015

winter_drive

By Lisa Wasson and Andrea Gaines If you’re going to be snowed in, there’s nothing better than being snowed in with something savory simmering on the stove and making the house smell delicious. This chili recipe – meant to satisfy both the vegetarian and the meat eater in your household – fits the bill. It has a deep, spicy flavor …

(Be the first to comment)

Exhibit Space Available for Loudoun YouthFest

6 Jan 2015

exhibitspace youth fest

Exhibit space is available for Loudoun YouthFest ‘15. The event, targeting middle and high school teens, will feature amusements, interactive games, local bands and nationally known recording artists We The Kings. YouthFest will be Saturday, May 30 at the Barn at One Loudoun, 20450 Savin Hill Drive in Ashburn. Exhibit spaces start at $100. A limited amount of free exhibit …

(Be the first to comment)

Wild Loudoun

See a Skunk Doing a Handstand? Run.

6 Jan 2015

wildloudoun skunk

Skunks and humans have something in common: they don’t want to be near us and we don’t want to be near them. With their bold and dramatic markings, if they weren’t so darn smelly – and for that reason, scary – we might actually consider them to be a quite the handsome/pretty member of our local wildlife community. But, only …

(Be the first to comment)

Around Virginia

Alert: Missing Endangered Child

(2) Aysia monique lewis

The Virginia State Police and the Virginia Missing Children Clearinghouse has issued an endangered missing child media alert on behalf of the Christiansburg Police Department on January 28 at 11:45 a.m. The Christiansburg Police Department is looking for Aysia Monique Lewis, 16 years of age, height 5’3, weight 155 lbs, …

(Be the first to comment)

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 …

(Be the first to comment)

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 …

(Be the first to comment)

Sports

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 …

(Be the first to comment)

Ida Lee NFL Flag Football League Registration Ends July 28

20 Jul 2014

NFL_Flag_Football_at_IdaLee

Registration for the Fall 2014 NFL Flag Football league is currently ongoing for boys and girls, ages six to 14, and spots are filling fast. To secure a spot in the league, participants must register by Monday, July 28, 2014. The Ida Lee NFL Flag Football League is the premier …

(Be the first to comment)

Letters

A Loudoun Civics Lesson: It Pays To Have Money

6 Jan 2015

blueridge2

Having spent an evening at the Loudoun Planning Commission monthly meeting December 16 to listen and participate in the exception application for the helipad on …

(12 comments)

Zoning War Confusion

6 Jan 2015

BenPackard

It is often amazing to read articles covering meetings that seem far different than those I attend. A good example was your recent article “Zoning …

(Be the first to comment)

Advice To Developers

6 Jan 2015

blueridge2

We know you want to make money and lots of it. But across America citizens are fighting back. Please don’t destroy our quaint little town. …

(1 comment)

Archives

  • +2015
  • +2014
  • +2013
  • +2012
  • +2011
  • +2010
  • +2009