Richmond Metro Woman

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JULY 2013

WMetroMAN

richmond

Where the men wear the pants but the women pick them out.

4

Clearsight Facebook Ultrasound

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Getting REAL with Real Estate

11

It’s time to Dream Again!

Cover Photo by:Jen Sinclair Photography

Volume 1 – Issue 2 FacebookTwitter

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Getting REAL with Real Estate Real estate is always a hot topic. No matter where I go, people want to discuss the market. It’s a driving force of our economy and it effects our day-to-day lives in many ways.

There are a lot of misconceptions with buying a home right now. The questions below have been asked to me by new clients and potential buyers over the years…

Q: “If I buy a home in today’s market, do I have to put down 20%?”

A: Not at all. There are many programs out now to help buyers of all situations. There is actually a new product that offers 100% FINANCING for a first time homebuyer. Last week I closed one of these loans and my client actually received a check at closing! Pretty cool.

Q: “If I purchase a home that is not the way I want it, will I have to pay out of pocket for repairs?”

A: No. There is a type of loan called a renovation loan. This loan allows a buyer to get their own contractor out and give them estimates on ANY work they want done. It can include new appliances, paint, granite counters, whatever they want. The total of their repairs is added into their loan, so they are able to finance the repairs along with the home and pay on them as they go.

Q: “Has the criteria for buying gone up? What kind of credit score should I have” A: There are programs that offer financing for a score of 620 and above. I have lenders that would be happy to pull a free report for you, analyze where you are and if you don’t qualify right now, they can tell you exactly what you need to do to be ready to buy in months.

Q: “Is buying a foreclosure a bad idea? What about outstanding taxes and liens on the property?

Can they become part of the responsibility of the new owner?”

A: Buying a foreclosure can actually be a very simple process. Negotiations are made to an asset manager at a bank versus an individual owner. Most banks will accept, reject, or counter offers, accept a variety of different types of loans, and some will even do repairs on the home. The day of closing, the new buyer gets a clear title. They also have title insurance for the full purchase price of the home to protect them against anything that may arise down the road.

If you or someone you know have questions about buying or selling, I would love to help. I am very proud to say that I have found my career for life. I have met many amazing people since I became part of the industry, and from where I am now, the sky is the limit! Feel free to call, text, email or message me for all of your real estate needs. Now is the time!!!

I would love to become your REALTOR for life!

-Rhonda Howlett

For all of your real estate needs call:

Rhonda Howlett, ABR

804-815-0642

1106 N Thompson St. Richmond, VA 23230 rhonda.howlett@yahoo.com www.rhondahowlett.com www.Facebook.com/rhondahowlettrealestate Please tell them you found them in Richmond Metro Woman Magazine!!

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Events

JULY

Richmond

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FLYING SQUIRRELS Watch the Flying Squirrels take on the Erie SeaWolves at The Diamond and enjoy Fireworks presented

by AT&T! $7-$11. Thursday, July 01 (Opens: 7:00 PM) • Saturday, July 03 (Opens: 6:30 PM) • Sunday, July 04 (Opens: 6:30 PM)

2-4

FIREWORKS AT BUSCH GARDENS Busch Gardens is celebrating Independence Day weekend with three nights of patriotic pyrotechnics set to an awe-inspiring original music track. On July 2-4 at 9:30 p.m., Busch Gardens will fill the skies with shimmering silvers, gorgeous golds and bright reds to top off Independence Day festivities.www. buschgardens.com/va or call (800) 343-7946

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INDEPENDENCE DAY PARADE & FESTIVAL Parham Road Independence Day Parade & Festival will be a great event to celebrate America’s birthday and to join with the community in a time of fellowship and fun. The parade begins at 10:00 a.m. on Saturday, July 3, and is immediately followed by a festival from 11:00-3:00 p.m. at 2101 N. Parham Road. This event is FREE and open to the public. www.parhamparade.com

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GENWORTH FINANCIAL 27TH ANNUAL INDEPENDENCE DAY CONCERT An All-American evening of music, fireworks and family fun. Celebrate Freedom will feature children’s activities and a concert by the United States Air Force Heritage of America Band. The free event starts at 6:30 p.m., with the concert beginning at 7:30 p.m.. Fireworks start at approximately 8:45 p.m..

Parking is free. Food vendors on site. No pets, please. Wed., July 3 (6:30 PM-9:00 PM).

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RVA FIREWORKS ON THE JAMES Come down to Brown’s Island for a FREE RVA Fireworks show that is fun for the whole family. Bring blankets and lawn chairs but please leave alcohol and your pets at home. The fireworks will offer a 360 view which means that you don’t have to be on Brown’s Island to see the show. Other viewing areas of these fireworks can be seen from Oregon Hill, Manchester, and Chimborazo Park.Wednesday, July 3, 2013. Brown’s Island. FREE

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OLD-FASHIONED FOURTH OF JULY CELEBRATION Join the County of Henrico Division of Recreation and Parks for an Old-Fashioned Fourth of July Celebration! This free family event will be held on Sunday, July 4 from 1 to 5 p.m. at Meadow Farm Museum/Crump Park, 3400 Mountain Road in Glen Allen. Enjoy a multi-faceted array of festive entertainment and activities for the entire family. Activities will include musical entertainment, arts and crafts, face painting, a petting zoo for children, contests and games, pony rides, and two spectacular sky diving shows with Uncle Sam!

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RACING TO THE STARS & STRIPES AT COLONIAL DOWNS Colonial Downs will be hosting a horse racing/live concert/fireworks triple header at a special 5 PM post time. Fans can enjoy an outdoor concert before and after the fireworks. Richmond’s own Susan Greenbaum and her band will perform sets. After the fireworks, Colonial will host a hour long “After Party”, to help alleviate any post-race congestion in the parking lot. In addition to the live music noted above, juggler/magician Jonathan Austin will perform, and there will be free ice cream, kids activities, cartoons on the jumbotron, giveaways and lots more! $5-$30. www.colonialdowns.com

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ALL-AMERICAN CELEBRATION AT LEWIS GINTER BOTANICAL GARDEN FREE admission to the Garden on this day celebrating freedom! Guests are invited to wear red, white and blue and bring wagons and strollers to decorate for a “parade.” Enjoy music, WaterPlay and fun activities in the Children’s Garden. Sunday, July 04 (1:00 PM-4:00 PM)

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ASHLAND’S FOURTH OF JULY PARADE The old-fashioned annual parade in Ashland is a people parade and encourages patriotic bicycles, tricycles, dogs ,and walkers to join in the fun. Participants gather at 1 p.m. at Henry Clay School. The parade is 1/4 mile and starts at 1:30 p.m., ending at Hanover Arts & Activities Center at 2 p.m. for a lawn party. Apple pie contest, children’s crafts, children’s games, Most Patriotic Pet awards, music and sing-along by Hanover Concert Band.

Richmond Metro Woman Magazine - where the men might wear the pants, but the women pick them out!

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POWHATAN INDEPENDENCE DAY CELEBRATION & FIREWORK The Huguenot Fire Department hosts their 2nd Annual Independence Day Celebration at the Flat Rock at the Gits Farm, 2693 Rocky Oak Road off Route 60. Join the firefighters for fireworks, live music, kids’ activities, bounce house, food, mechanical bull, classic car and fire engine show, and a host of other activities. Gates open at 5 p.m. with a massive fireworks display at dusk. Admission is $15 per car load, or $10 per car load with a canned food donation to the area food bank.

4

FIREWORKS AT KINGS DOMINION Kings Dominion celebrates Independence Day with brilliant fireworks displays. On July 4, free admission for all active and retired military personnel for the Tribute to the Armed Forces.

4

CHESTERFIELD COUNTY JULY 4TH CELEBRATION Enjoy food, fun, and free Fourth of July fireworks at the Chesterfield County Fairgrounds. The Kings of Swing will perform, and children can play in the special children’s play area. There is no rain date.

Thursday, July 04 (Opens: 5:00 PM)

4

INDEPENDENCE DAY CELEBRATION & FIREWORKS AT DOGWOOD DELL Free music and fireworks in celebration of Independence Day, starting at 5 p.m. with R&B harmonies from Bak N Da Day, vocalist Rachel Leyco at 6:15 p.m., a Carillon concert at 6:45 p.m. and the Richmond Concert Band with patriotic melodies at 7:15 p.m. and followed by fireworks. Bring chairs and blankets for extra seating. Extra parking available at the University of Richmond parking lot. A shuttle bus will run to Dogwood Dell.

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HANOVER TOMATO FESTIVAL July 13, 2013. 9 a.m. - 4 p.m. Pole Green Park, Mechanicsville, Virginia. Enjoy over 200 arts, crafts and unique vendors along with a variety of entertainment, food, and free activities for children of all ages.

And not to mention, Hanover-grown tomatoes!

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5-WEEK SUMMER RESET!, JUICE FEAST, RAW FOOD CLEANSE After all the Spring Food Festivals, we all need a little help a to get back on track and to feel and look our very best. Have you been feeling tired, having difficulty losing weight, have high cholesterol, are you ready for the summer body you would like, or just want to learn to eat a little healthier. This 21 Day Cleanse and Detox program is a way to help you do just that. What if you could help your body improve its functions so you could look and feel more focused, energized, sleep better, have glowing skin, silky hair and experience relief from the numerous health issues you may be facing? Debi’s Summer RESET program is designed to do just that. You’ll participate in weekly group meetings (not required but extremely beneficial!) - - receive daily email support (includes explanations as to how you might be feeling, recipes and reminders) - - and gain direct access to Debi to answer your questions along the way. For more information contact Debi Farley at: debifarley@verizon.net

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LADIES – STRUT YOUR STUFF Small business stuff that is. Bring your samples, business cards and advertising. Open house for all ladies with small businesses. Satu rday July 20, 2013. 11am till 4pm The Clubhouse at Champions Club Apartments. 7200 Harwin Pl, Glen Allen, VA sponsored by Chrysalis Hypnosis Center (804) 212-1481

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PINK BAG WORKSHOP Friday July 26, 2013 12-1:30 The KISS method for purifying your body - Presented by Dr. Marilyn Scott, ND, CNHP. To improve your energy by creating a healthier sleep environment - Presented by Lisa “Healthy” Hazelgrove. To create space for yourself and your priorities- Presented by Erin Podbielniak.

Greater Richmond Chamber of Commerce. 600 E. Main Street, Suite 700, 7th floor Richmond, VA. Contact Stephanie Phillips. 804-783-9350 email: stephanie.phillips@grcc.com

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THE RICHMOND 5K COLOR VIBE Get ready Richmond for the most colorful fun-filled day of your life! You’ll have more color on you than your happy levels can handle! So get your friends and family stretched out for this amazing color blast event where you’ll get blasted with color while you run the Color Vibe 5K. Color Vibe is here, and you’re about to get tagged! 10515 Colonial Downs Pkwy 4, VA 23140 (804) 966-7223

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U R HERE: EATING ON THE AVENUES Downtown, Café Caturra. 804-840-5318. Food, Tour. Join us along Libbie and Grove avenues and sometimes Patterson Avenue in the city’s West End for a leisurely afternoon of sauntering, sampling, and shopping.

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Richmond Metro Woman Magazine

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Richmond Metro Woman makes every effort to provide accurate information in advertising and editorial content, however it does not make any claim as to the accuracy of information provided by advertisers or editorial contributors and accepts no responsibility or liability for inaccurate information.

Published monthly ©2013 Metro Woman Magazine™, Richmond, Virginia. All copy and information contained herein is not to be reproduced. Metro Woman Magazine™ is a registered trademark of Hidden Values, Inc. If you are interested in hot to have your own Metro Woman Publication in your city please call: 800-960-6788

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Richmond Metro Woman Magazine - where the men might wear the pants, but the women pick them out!

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It’s Time to Dream Again!!

We start out our lives full of hope and expectation. We believed we can do anything, be anything and accomplish anything. We were even encouraged by our teachers and parents. But something dramatically changes from those times to where we are stand now. For some of us the encouragement stopped, for others - life just happened and for the rest we bought into a lie someone told us about ourselves. We stopped dreaming and we forgot what truly makes us happy.

I was recently told by some dear friends of mine and now I am tell you, “ It is time to dream again!!”

So for just a second stop and ask yourself a few questions: ■ What is/was my dream?

■ What do I want my life to look like 5 years from now?

■ What kind of impact do I want to have in the world around me (my family, my friends, my community, etc)?

■ How do I get there?

Now, for some of us the answers to those questions may lead us to places that we haven’t been before.

It may be scary and unexpected, but it will lead you to great things.

You may have to change your association. I’m sure we have all heard the saying “Birds of a feather flock together.” But what happens when you decide its time to change your feathers? When you start pursuing your dreams people in your circle may not understand. They may or may not support you. The beauty is that there are people out there who will. Most likely you will find those people in the field that you want to pursue. I encourage you to latch onto people who are where you want to be. If you want to write a book and publish, talk to someone who has written and successfully published a book. Find a mentor.

Changing your association can also mean changing what you read or watch. There are tons of “How To” books out there. Pick one up. There are many great resources, like YouTube, that make learning easy. People are constantly putting out information. All you have to do is take a few unproductive minutes and make it productive by picking up a book or meeting with a mentor. If you are watching TV, read during commercial breaks.

Or you can just TURN THE TV OFF. When you are in pursuit of your dream every minute counts.

You may have to change how you think about and view yourself. Belief is a powerful thing.

People used to believe that it was impossible to run a 4 minute mile. In fact, it was "proven" to be scientifically impossible - so, many people never even tried. Roger Bannister not only believed it was possible, but he also believed that he could do it and he did! Now, because one man believed, more and more people are breaking “impossible” records. If you believe something is impossible your brain will not work to figure out a solution, but the minute you believe something can be accomplished your mind will figure out a way.

Most of us never dreamed of being average. We said we wanted to be doctors, lawyers or the first female president. Now we have no desire for those things and that’s OK. Dreams can change. They can be shaped out of a need you see or a past hurt you have experienced and overcame. They can be birthed out of a passion or hidden talent. Who remembers Star Search? It was the first talent search type show’s that I remember seeing. I’m sure some came before it and many have followed after it. We as a culture seem to love those types of shows. Why? I think it is because they allow us to see a dream being realized. It is someone elses dream becoming a reality right in front of our eyes.

Many times it almost seems magical because it is so unexpected. At some point though we have to say, “That is great for them, now let me go make my dreams happen.”

There will always be an excuse or circumstance which allows you not to pursue your dreams.

Dreams do not become a reality because of circumstances. They come to life when you make a decision and take consistent action in pursuit of that dream. You can do it! You can make it happen!

IT IS TIME FOR YOU TO DREAM AGAIN!!

Talia Osborne – The Richmond Metro Woman 757-256-3750 | richmond@metrowomanmag.com

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