FEBRUARY 2019
An exclusive publication serving residents of Lake Manassas, Virginia Oaks, Morris Farms, Saranac, Glenkirk Estates and surrounding areas.
The Rios Family Living Life on the Lake Cover photo by The Little Photo Shop
ALSO INSIDE: Introducing YES! - the Young Entrepreneur’s Spotlight - pg. 11 Helping the Community with “The Power of One” - pg. 22 Gainesville Middle School Concerts - pg. 21 NEIGHBORS OF LAKE MANASSAS
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PUBLICATION TEAM Publisher: Michael & Debbie Wykowski Content Coordinator: Marianne Weaver Designer: Jody Zipp Contributing Photographer: Melinda Ratcliff, The Little Photo Shop Proofreader: Sarah Midgley ADVERTISING Contact: Michael and Debbie Wykowski Email: mwykowski@bestversionmedia.com or dwykowski@bestversionmedia.com Phone: 703-203-9130 FEEDBACK/IDEAS/SUBMISSIONS: Have feedback, ideas or submissions? We are always happy to hear from you! Deadlines for submissions are the 10th of each month. Email your thoughts, ideas and photos to: mweaver@bestversionmedia.com. HOA SUBMISSION INFORMATION Are you on the association board for your subdivision? Contact us for information on how you can submit articles, updates, reminders, events and more to the residents. We create customized homeowners’ association sections at no cost to the HOA or the residents. CONTENT SUBMISSION DEADLINES: Content Due:...........................Edition Date: March 10..............................................................April April 10..................................................................May May 10..................................................................June June 10.................................................................. July July 10..............................................................August August 10...............................................September September 10.............................................October October 10..............................................November November 10.........................................December December 10............................................... January January 10.................................................. February February 10..................................................... March Any content, resident submissions, guest columns, advertisements and advertorials are not necessarily endorsed by or represent the views of Best Version Media (BVM) or any municipality, homeowners associations, businesses or organizations that this publication serves. BVM is not responsible for the reliability, suitability or timeliness of any content submitted. All content submitted is done so at the sole discretion of the submitting party. © 2019 Best Version Media. All rights reserved.
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Dear Residents,
Serving others is a big topic in my house right now. My son is a Boy Scout, and he makes his Confirmation this year – both require service hours. He doesn’t mind volunteering; in fact, he enjoys working the bingo hall at Lake Jackson Fire House. And spending a few hours working in the flower fields at Sweet Virginia didn’t seem like work for him. But it’s not always easy to find organizations looking for volunteers. That’s where Volunteer Prince William comes in. The Manassas-based organization matches would-be volunteers with organizations in need. As they say, “It begins with the power of one.” Learn more about VPW and find out how you can contribute to your community.
Marianne Weaver
Debbie and Michael Wykowski Publishers
Marianne Weaver Content Coordinator
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EXPERT CONTRIBUTORS
To learn more about becoming an expert contributor, contact Michael and Debbie Wykowski at dwykowski@bestversionmedia.com or 703-203- 9130.
Fitness Snap Fitness 24 - 7 Chris Badillo 571-222-7627 www.snapfitness.com/gainesvilleva Snap Fitness is Gainesville’s premier 24-hour fitness facility. Their state-of-the-art CYBEX equipment and their safe, secure and impeccably clean facility offers a wonderful workout atmosphere that everyone will enjoy. Chris and Rob know that everyone has different goals and provide top-notch personal training and support. It’s where you come to get results!
Family Medicine Lifetime Family Medicine 703-754-0425 www.facebook.com/LifetimeFamilyMedicine Lifetime Family Medicine, a proud member of the Privia Medical Group, is based in Gainesville. They have three doctors, two physician assistants, and one nurse practitioner, including Dr. Theresa Shupe, voted a 2017 Top Doctor by Washingtonian Magazine. Comments from their patients include “definitely the best doctors’ office I have been to,” “always so friendly and helpful,” and “They make the experience as quick and easy as possible.”
Travel Agent Simple Luxuries Travel Jennifer Lalli 407-494-1044 Email: JLalli@SimpleLuxuriesTravel.com www.SimpleLuxuriesTravel.com Jenn Lalli has eight kids, ranging in from 1 to 16, and loves the magical memories her kids have of their trips. Jenn has certificates in many fantastic vacation spots, including Disney, Universal Studios Resorts, Hawaii, Royal Caribbean Cruise Line, and others! Her own services are complimentary, so let Jenn do all of the heavy lifting to help you plan the vacation your family will remember for a lifetime!
Insurance State Farm Insurance Preston Charlton 571-261-9817 www.prestoncharlton.com At the Preston Charlton State Farm Agency, the mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams. With more than 15 years of experience in Northern Virginia, Maryland and Washington, DC, Preston and his team can take care of all your insurance needs - life, home, auto, renters, business, as well as vehicle loans- all under one roof.
Estate Planning Hometown Estate Planning Richard Phillips 571-208-0425 Email: info@hometownestateplanning.com www.hometownestateplanning.com Richard Phillips is an experienced attorney who has practiced in bankruptcy and commercial litigation since 2000. Today, he specializes in estate planning law and assisting families discover the right approach to their inheritance and incapacity planning needs. “I started my own practice because of a desire to have the law degree be a positive impact in people’s lives,” he says. “What I do now is help families efficiently pass their wealth onto their kids and grandkids.”
Flooring Kemper Carpet and Flooring Tammy Titus 571-222-4838 Email: tammy@kempercarpet.com kempercarpet.com Kemper Carpet and Flooring is a leading, womanowned flooring company providing exceptional service to homeowners throughout the area. Tammy Titus started as a flooring consultant with the original owner, eventually buying the company in 2007, and maintains their distinguished reputation as a full-service flooring contractor, providing refinishing and pre-finished installations. They are a proud Karastan carpet dealer, but also offer carpets from many other leading brands.
Real Estate Ashley Tauzier Berkshire Hathaway Home Services PenFed Realty Cell: 571-469-0901 Office: 703-396-6000 Email: ashley@mynorthernvarealtor.com Ashley Tauzier is a realtor and 19-year military spouse. Her knowledge of NoVA neighborhoods, builders, schools and community amenities contributes to her value. She prides herself in being attentive and responsive to her client’s needs – striving to make your real estate transaction stress-free, whether you are a first time home-buyer or a seasoned seller. Ashley looks forward to helping you reach your real estate goals!
Dental Gainesville Dental Associates 571-290-2647 gainesvilledentalassociates.com The award-winning, highly experienced doctors at Gainesville Dental Associates put YOU the patient first in all they do. From the most advanced technology to the latest procedures, their mission is to provide unsurpassed care in a pleasant comfortable environment.
Hospitality & Recreation Stonewall Golf Club / Brass Cannon Restaurant Gary Huebner, PGA 703.753.5101 / 703.753.6140 www.stonewallgolfclub.com Stonewall Golf Club and its Brass Cannon Restaurant offer recreation and hospitality in an unparalleled setting overlooking the picturesque Lake Manassas. Often mistaken as a private club, our facility and all its amenities are open to the public, and all are welcome! The recently updated Magnolia Room and adjacent Terrace provide an expansive space for private events, weddings or meetings. The Brass Cannon offers quality casual dining with indoor and outdoor seating overlooking the course and lake. Our award-winning golf course challenges your game as you play along the shores of Lake Manassas. We welcome you to visit us!
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Medical Massage Medical Massage Specialties Brian Cooper 703-686-4092 www.medicalmassagespecialties.com Brian is the owner and lead therapist at Medical Massage Specialties. He is nationally certified and licensed by the Board of Nursing in the state of Virginia. His signature massage is a relaxing 90-Minute Deep Swedish. Mr. Cooper leads a team of specially trained therapists who care for you with a variety of massage styles and techniques. He likes to call his Spa “The Oasis In Manassas”. Whether you have sore muscles, tight muscles, or just need to de-stress, Brian and his team will help you to feel great! Heating, Cooling and Plumbing Appleton Campbell Featured Employee: Larry Armell 540-347-0765 appletoncampbell.com “I would like to thank all of my loyal customers for making my job easier. I work at Appleton Campbell, but I work for you. Thanks, and many more years to come.” Larry Armell, Plumbing & HVAC Technician since 2003. To learn more visit appletoncampbell.com
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RESIDENT FEATURE
She has been accepted to multiple colleges and plans to attend her first choice, George Mason University, this fall.
time, marketing intellectual property as a subcontractor for a consulting firm.
“I hope to become a clinical therapist someday like my Nana,” she said. “I value my loved ones, education, my freedom, and my faith. The foundation in my life is Christ, for he has shown me throughout my life that everything happens for a reason.”
She recently started volunteering with Navy Marine Corps Relief Society in Quantico to assist Marines and Sailors in times of financial hardship.
For the past three years she was a guitarist in Park Valley Church’s “The Generation” high school band and is now a mentor for a middle school girls’ bible study group. The apple doesn’t fall far from the tree: Wendy is an accomplished pianist who has taught lessons since 2007.
The Rios Family
By Marianne Weaver | Photos by The Little Photo Shop
“We are thankful for the many F’s … our faith, freedom, friends, family and fun,” said Mitch Rios. He and his family—wife Wendy and daughters Brianna, 20, Jenna, 18, and dog Sammi, 5— settled into their lakeside home in Saranac six years ago. But not before many homes and many moves, courtesy of the U.S. Marine Corps. “Semper Gumby’ is the Marine Corps wives’ motto, meaning, ‘always flexible,’” said Wendy. “And, boy, was that proven true, time and time again!” Mitch followed his father’s footsteps into the Marine Corps. “He served in Vietnam, and after stepping on a landmine became a triple amputee,” said Mitch. “He did amazing things after that injury, is still alive today, and he is my hero.” Mitch graduated from the US Naval Academy in 1990 and spent 11 years as a helicopter pilot flying CH53-Echo Super Stallions. In 2002 when he returned from combat in Afghanistan, he shifted gears and moved to Monterey, Calif., where he earned a masters degree from Naval Postgraduate School. This led to his next tour in Northern Virginia in 2004. After assignments at the Pentagon and later at MCB Quantico, he retired in 2010 after 20 years of active-duty service. Today he works for a government contractor in management and comes home to water views and wildlife. “Saranac is such a peaceful, fun neighborhood that gives you that small town feel. I like that everyone waves as they drive by, even if they don’t know you. It gives you a feeling of belonging,”
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“Prior to teaching, I had trained for 10 years on the piano, the latter half of that time under a Julliard graduate,” she said. “I really enjoy teaching my favorite thing. I typically have about 20 to 25 students, with a waiting list. I have been very blessed to receive referrals by word of mouth, so I have never needed to publicly advertise.”
Living Life on the Lake
he said. “On any given day you typically see numerous wildlife such as deer, squirrels, fox, rabbits, turtles, frogs and even bald eagles. On nice weather nights, it’s like a cozy camp ground where lot after lot has a fire pit burning. We really love this place.”
But that’s not all. Wendy graduated from the University of Delaware with a Bachelor of Chemical Engineering. She worked as a chemical engineer primarily in the oil and gas industry before Brianna was born. After a few years away, she re-entered the engineering world again in 2011 and now works part-
“We can’t forget to take care of our nation’s heroes,” she said. MAKING A MARINE CORPS FAMILY Mitch was raised in California and Wendy in New Jersey. While Mitch was attending the Naval Academy in Annapolis, Md., Wendy was an hour and a half north at the University of Delaware. “One weekend in the summer of 1988, Mitch and I each took a group road trip to visit our college friends in their shared home town of Ocean City, N.J.,” said Wendy. “We all ended up getting together for a barbeque before the ladies headed out for the night.” It wasn’t quite love at first sight: Wendy said she was preoccupied with other things at the barbeque that evening. “So Mitch brought all the Academy guys back over bright and early the next morning before their return to Annapolis to say, ‘goodbye,’” she said. “Once Mitch and I started talking, that was it; he basically had me at ‘Hello’. My poor friend whom I carpooled with that weekend heard all about our 10-minute conversation the entire 2-hour trip back home.”
We would like to thank Gainesville Dental Arts for sponsoring this month’s feature story.
The girls consider this their hometown: The family initially bought a house in Glenkirk in 2004. “We moved to Gainesville when I was 5 years old, and I graduated from Patriot High School in 2017,” said Brianna, who is now a sophomore at James Madison University studying kinesiology/exercise science with a minor in pre-physical therapy. “I am proud to call this my hometown. My favorite thing to do in Gainesville is visiting BJ’s restaurant for a Pizookie - I bring all of my friends there when they visit from out of town!” Always a military child, she said she hopes to work with wounded warriors after graduation. “My grandfather is a triple amputee from Vietnam, and as a young girl I saw how he struggled. It helped motivate me to want to help service members in that same situation,” she said. “I completed a physical therapy shadowing internship last summer at Walter Reed, and it definitely strengthened this goal.” Jenna is a senior at Patriot. “We moved to Gainesville when I was 3 years old, so I consider it my hometown,” she said. “I have been in the same Girl Scout Troop since kindergarten with some great girls and a wonderful leader.” NEIGHBORS OF LAKE MANASSAS
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Although they didn’t date over the summer, Mitch secured a ticket for Wendy to attend the Navy-Delaware football game her first weekend back at school. “Unfortunately, not having a map with us, we got lost… for hours,” she said. “Our meeting place was supposed to be at the water tower in the Academy parking lot. I think we found every other water tower in Maryland except that one. About two hours after our meeting time, we finally arrived at the correct water tower. Mitch convinced the guys during halftime to go back to the water tower to check one last time. As they were walking toward us, I think my heart about skipped a beat. It was a great day. And don’t ask me who won the game, because I don’t have a clue!” After the game, they strolled passed the Naval Academy Chapel. “Mitch took advantage of the moment, and we had our first kiss in front of the chapel,” she said. “Little did we know that in about seven years our first married kiss would be inside that chapel.” They dated throughout college and during Mitch’s assignments in Virginia, California, Florida, and again in California. Meanwhile, Wendy had just been transferred from Texas to Ohio … but was not exactly loving her job. “People say that long-distance relationships don’t work, but we made it work,” she said. “Then one cold winter day in 1993, my phone rang. It was a former colleague asking me if I’d be
interested in interviewing for a job with her company. It was a dream job. And where was it? In the EXACT TOWN where Mitch was living in Southern California! Needless to say, I got the job, and the rest is history.” They married in 1995 at the US Naval Academy Chapel, with a wedding party that all knew each other from college. “The best part about it was having 150 of our closest friends and family from all over the country in the same room, at the same time,” said Wendy. “It was one of the best and happiest days of our lives. We are still hearing stories from that weekend!” About three years after their wedding, they moved to Jacksonville, N.C., where Brianna was born. “However, we had no idea what was in store for us about nine weeks later,” said Wendy. Brianna grew sicker by the day. Local doctors thought it was just a virus. Following her gut, Wendy said they went to a different medical facility, and Brianna was immediately admitted to the intensive care unit. Within an hour, they were prepping for a life flight to the nearest pediatric trauma center. “I asked if that was the best protocol considering stormy weather that evening. I suggested an ambulance ride instead,” said Wendy. “The doctor replied, ‘I’m not sure we have that kind of time, ma’am.’ Those are not words a parent ever wants to hear.”
Wendy said, based on Brianna’s blood work, doctors were unable to explain how she was still alive. “We call her our miracle baby,” said Wendy. “It was a long night in the PICU while multiple doctors worked tirelessly to try and save her life. I don’t think we stopped praying at any point that evening. By the next morning, the doctors had figured out she was born with a birth abnormality that was shutting down her kidneys. After a few days, she was stabilized and put into her first surgery.” Two weeks later, she was finally discharged. “We then had first-hand experience that life can change overnight,” said Wendy, referencing the quote by John Lennon, “Life is what happens to you while you’re busy making other plans.” Two years later, Jenna was born … and not without her own story. Among military families, mothers often joke “you’re not a military mom unless you’ve given birth alone.” But very few of those women were as alone as Wendy. “To sum it up, my labor was a total of 25 minutes. You heard that right – 25 minutes,” she said. “I woke up from a nap at home in labor, and things started progressing incredibly quickly. My neighbor was on the phone with 911 giving me verbal instructions through the bathroom door. Jenna came before the EMTs or Mitch could arrive. So, I ended up delivering her myself. Although I could have used a hand, fortunately, all went well.” SEMPER GUMBY Shortly after Jenna’s birth in 2001, Mitch’s job required several trips away from home. So, the Rios family had limited time to bond and to settle into a new routine as a family of four. But even that was short lived. “Everyone knows the story of September 11th,” said Wendy.
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“But for the Rios family and other Marine families, nine days later, Mitch deployed with the Marine Corps with his sea bags packed and no return date in sight.” Mitch said his squadron was one of the first conventional forces in Afghanistan. “Upon arrival, we took shelter in the previously bombed Rhino airfield hangar and the Kandahar Airport terminal,” he said. “The flying in Afghanistan was the most challenging I had ever experienced, due to the rugged terrain and threat environment. However, due to excellent training, we were able to persevere and return home safely seven months later. I was proud to be operating with America’s finest fighting force.” With two young daughters, life in Jacksonville continued. Although most of the time was a blur, Wendy said the homecoming was unforgettable. “The fly over and homecoming in April 2002 were overwhelming,” she said. “The sky was filled with helicopters. Our Marines had not stepped foot on American soil in seven months. Babies had been born to fathers who had not yet met them. Wives were tired after months of sleepless nights. Our hearts were filled with pride but racing with so many emotions. When the aircraft finally landed on the tarmac, and the rotor blades shut down, we could finally say.... ‘They’re home.” Looking back, she said she is thankful for the Marine wives who supported each other through the uncertain times. “They are truly remarkable women,” she said. “We were always there for one another, as a team, just like our husbands. Their strong and capable examples over the years helped influence and shape me in many positive ways during our active-duty time, many traits of which I have been able to teach our daughters. When you call someone a military spouse, it’s a badge of honor.”
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YOUNG ENTREPRENEUR SPOTLIGHT
THE HAYMARKET GAINESVILLE
Business Association By Marianne Weaver The Haymarket Gainesville Business Association will host its first Marketplace on Sunday, March 24, from 1 p.m. to 3 p.m. at Club Eclipse. Local businesses and nonprofits are invited to join to exhibit their goods and services. Only HGBA members will be able to exhibit. HGBA was established in 1990 by a group of local professionals and business owners who recognized the area’s potential. In 2007, the organization reorganized to meet the ever-changing needs of the Haymarket and Gainesville residents and businesses due to massive growth in the area. A force within the Haymarket-Gainesville business community, the organization offers a forum for information sharing and
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contributing to community projects that positively impact businesses and residents. Their goal is to have every Haymarket and Gainesville business become a member of the 501(c) (6) nonprofit, all-volunteer organization. Meetings are held every third Tuesday of the month from 4 to 6 p.m.. Changes and updates are posted at https://hgba. wildapricot.org/events. The Marketplace event is expected to draw hundreds of public attendees. The event will be promoted through the HGBA App, social media and other advertising venues. Entertainment and prizes will be provided, but space is limited. For more information, contact Pat Ennis, HGBA vice president, pat@asb-va.com. For information on joining, go to HGBA.biz.
Gunner Swanson
By Tricia Driscoll
Meet Gunner Swanson, an energetic 12-year-old young entrepreneur from Gainesville, Va. Gunner has lived in this area for his entire life. A fun-loving boy, you can find him outside around the neighborhood playing with his dog and younger twin brothers. He’s an avid paintball fan, loves to fish, and loves playing Fortnite. Last year, Gunner participated in the local Young Entrepreneur Business Fair. He decided to start a lawn mowing service. Gunner came up with the name “Gunner’s Cut & Bag It.”
Sponsored by The Bill Denny Group Gunner worked with a local business owner to learn how to do things like calculate his costs, pricing and profits. He built his own flyers using an online graphic design tool and promoted his work through word of mouth and online groups. A local real estate agent started recommending Gunner to clients. “I would love to have my own website where people can schedule their own day/time for me to come out,” he said. Gunner said he hopes to save enough money to buy a riding lawn mower so he can cut larger yards, increase his business and start a college savings account. Even though he enjoys making money, he is aware of how important it is to focus on school. Gunner’s favorite subject in school is math because numbers are fun.
Gunner is planning to participate in the 2019 Young “I asked my dad to teach (L) Gunner with his lawn mower. (C) Gunner in a TV Interview with NBC Washington about Entrepreneur Business Fair. At me how to cut grass. He his young entrepreneur business. (R) Gunner with Adam Tuss of NBC Washington. a young age, Gunner already is good about cutting understands what it means to “Work Hard. Play Hard.” straight lines, and he would not let me cut our backyard grass until I learned how to cut straight,” Gunner recalled. “The The Young Entrepreneur Business Fair is a community initiative lawnmower was owned by my dad, and he bought the first two to foster entrepreneurship in local youth between the ages of 6 gallons of gas and first container of bags. After I used up the and 16 through workshops and a business showcase event on gas and the bags, I had to use my profits to buy more, which June 23, 2019. You can learn more by following on Facebook helped me learn how to manage the money from my business.” and Instagram!
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EXPERT CONTRIBUTOR
Your Common Real Estate Questions Answered Now By Ashley Tauzier Can I sell my current home and buy a new one at the same time? Short answer: Yes and yes! An experienced realtor will know the ins and outs of this somewhat tricky but totally doable transaction. Timing is key to a smooth transaction. There are safeguards that you as the buyer and seller can enact to provide the most protection to you. A few options that can be used are a home sale contingency, home of choice contingency, or rent back. Your realtor will explore which options work best for your current situation and match the current market condition. Do I really need to get pre-approved prior to shopping for a home? Yes. Any responsible realtor will agree that this should be one of the first steps buyers take in the househunting process. There are a lot of factors that play into your ability to purchase a property. Buying a home is an emotional process, and nothing is more disappointing than falling in love with a home then finding out it is out of your budget or is not eligible for the loan program you were planning to use. When is the best time to sell my home? The spring market in Northern Virginia tends to be the strongest market for sellers. In years past, when we have warmer than normal winters with little to no snow fall, the spring market will blossom late January to early February and be in full swing by March! With our area being so heavily populated with military and government employees, the majority of reassignments fall during the summer months. Placing your home on the market between the end of February and mid-April will align you with the influx of buyers moving to our area. Although this is the prime season, homes sell year-round, so know
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that you do have great potential to get your home sold whenever the time is right for you and your family. When buying new construction wouldn’t I save money not using a realtor? This is a very common myth. Most builders are prepared for buyers to be represented by a real estate professional, so they have calculated that expense into the base price of the home. When a buyer comes in without realtor representation, they typically will not reduce the overall price, because that reduction in price would negatively affect the overall price for comparable home sales in the community. As a purchaser, wouldn’t you want to have someone representing your best interest instead of the interest of the builder?
Should I have a home inspection when buying a home? Virginia is a caveat emptor state, which means “buyer beware.” In the state of Virginia there are not a lot of items that must be disclosed to the buyer, besides known material defects. It is best for your protection to have a home inspection conducted. The home inspection is your time to familiarize yourself with the home and really learn the ins and outs of the major mechanics, roof, appliances, etc. During this inspection period, you can choose to have the option to void the contract if something has been uncovered that makes you uncomfortable moving forward with the purchase. What are some key factors when selecting a realtor? Realtors typically set themselves apart through their professionalism. Although
this can be done in many ways, some key factors to consider are the quality of the photos used to showcase your home, the frequency of the house being held open and the type of marketing that will be used to alert potential buyers of their future home. Some other key elements to consider when choosing a realtor is the average number of days
their listings have been on market and how many transactions they have completed. For buyers, it’s important to understand the availability of the realtor to show you homes, their knowledge of the local communities and for you to feel comfortable working with them.
Should I have my own realtor as a buyer, or should I contact the listing agent directly to view property I am interested in? The listing agent’s job is to look out for the seller’s best interest. It is their responsibility to sell the property for the most money with the most advantageous terms for the seller. As a buyer, you should have someone on your side, fighting for your best interest. A buyer’s agent can help facilitate the transaction in a nonbiased way, so that each party is properly represented. How long does it take to close on a home? The typical time from contract acceptance to settlement typically takes 30 to 45 days. This gives ample time for the buyer to conduct desired inspections, the lender to assign and appraise the home, and the seller to make necessary repairs. It is not uncommon that either the buyer or seller requires more time due to certain circumstances. This can all be negotiated to meet everyone’s needs. NEIGHBORS OF LAKE MANASSAS
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EXPERT CONTRIBUTOR
How to Choose the Perfect Flooring Options for Your Home By Tammy Titus One of the most interesting aspects of an indoor space is the flooring – setting the tone for the rest of the dÊcor or as a backdrop for striking furnishings and space. However, choosing the right flooring can be daunting. With the right foundational information, you will select the perfect flooring for your environment and your lifestyle. The first thing to think about is the use of space: Will it be for a cozy living room? A kitchen? A bathroom? Will it be a commercial lobby with lots of foot traffic or a warehouse with a dusty environment?
The next decision is whether to choose harder flooring, such as ceramic, granite, slate, marble or tile, or a softer look with carpet, rubber, cork or padded resilient products. Again, it is best to look at the function of the space. Typically, more relaxed and inviting spaces, where comfort and socializing occur, will lean toward the softer look. Wood floors can be a great option in many types of spaces. Read on to help you decide! Soft flooring is resilient and inviting. Many people choose carpet in home areas such as living rooms, family rooms and bedrooms. Wood is also popular in these areas, often coupled with area rugs for a softer feel. Vinyl is another up-and-coming choice, combining resilience and a wide variety of patterns. Areas that lend themselves nicely to harder flooring include basements, bathrooms, commercial retail sites and certain offices. The best choices for basements include concrete, slate, granite and ceramic, which can withstand possible flooding and humidity. Commercial locations and large offices often use hard flooring such as granite and ceramic to withstand high foot traffic as well as display a strong sense of presence. In the kitchen, you will find wonderful hard flooring options and softer flooring products. Many homeowners choose warm hardwood flooring. The kitchen area can also be home to ceramic, slate and granite, for their ability to withstand spills and easy cleanup. Softer vinyl is another wise kitchen choice that can be coupled with a padded underlayment for a more comfortable experience while standing for long periods of time. The next decision is whether to go with natural, manufactured or faux natural products. Natural materials extracted from the earth, such as wood, natural stone and bamboo, have unique patterns prized by many, as they create a one-of-a-kind look. Manufactured materials use an industrial process to combine ingredients to create a flooring product. The finished flooring is often very resilient, easy to work with and install, yet the chemicals can render the product somewhat environmentally unfriendly. Faux natural products are a generally happy compromise. The flooring can be designed to look natural and combines resistant and resilient properties of man-made floors and the warmth and charm of hardwood, marble, slate, bamboo products with the benefits of being cost-friendly and easy to install. Finally, armed with the above information, you can make an informed choice and enjoy the opportunity to create a wonderful space that expresses the look and feel you wish to impart!
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EXPERT CONTRIBUTOR
Term Life Insurance vs. Whole Life Insurance: Which is Right for You? By Preston Charlton, State Farm Insurance What are the benefits of term life insurance vs. whole life insurance?
longer. Matching these needs, with the proper amount of insurance, can allow your loved ones the time and money needed to make important financial decisions.
When considering which type of life insurance you should purchase, understanding the basics, benefits and realities of both term and whole life insurance is important in making a decision that is best for you.
• Most term policies can be converted (age limitations typically apply) to a whole life policy if your temporary needs evolve into lifetime needs.
TERM LIFE INSURANCE Term insurance is the simplest type of insurance. You pay your premiums as scheduled, and in return your insurer agrees to pay a death benefit should you die within that term.
• The policy is temporary. Term insurance is designed to last for a specific amount of time (term). After the term period is over, many policies are guaranteed to renew on an annual basis at a higher premium and may become unaffordable.
The Benefits of Term Life Insurance:
WHOLE LIFE INSURANCE Whole life insurance provides a death benefit throughout your life. It also includes a cash value component that accrues value over time, allowing you to borrow or withdraw funds as needed.
• Low initial cost. Term insurance can be purchased in large amounts for relatively small premiums. • You can match terms to needs. Many people are concerned about paying off their mortgage, providing money for higher education, or replacing a portion of their income if the unthinkable happens and they pass away. These are typically temporary needs, which may last just a few years, or much
The Reality of Term Life Insurance:
The Benefits of Whole Life Insurance: • Lifetime coverage. A whole life policy covers the rest of your life, not just a stated term. As long as your policy is in force
The Realities of Whole Life Insurance:
when you pass away, your beneficiaries will receive a death benefit. • Build equity. Over time, a portion of the premiums you pay for a whole life policy become part of the policy’s cash value. Once sufficient cash value has accrued, this cash value becomes available to you through loans and withdrawals. Any way you choose to use it — if you choose to use it — the cash value of a whole life policy provides an additional asset for your family. However, there can be consequences when you access cash value depending on the action and how you access the money. • Premium options. With a traditional whole life policy, premiums are typically paid until age 100, but there are policies with a limited payment period where the premium is fully paid in a specific number of years. • You may receive dividends. The insurer may pay dividends to whole life policy owners, depending on the company’s financial performance. Dividends can be paid in cash, accumulate at a competitive interest rate, or purchase additional insurance within the policy, or even be used to reduce the premium. Although dividends are not guaranteed, the possibility of earning dividends is an attractive feature of whole life policies.
• Higher initial premiums. It’s a fact, whole life insurance has a higher initial premium than an equal amount of term insurance, but don’t confuse cost with value. The benefits of lifetime coverage and, over time, the guaranteed cash value, and the eligibility to earn dividends make whole life a good choice for building an additional asset class and for providing for lifetime needs. Good financial decision-making is based on solid research and sound advice. If you’re considering term life insurance vs. whole life insurance, be sure to discuss your options with a State Farm agent and consult your tax and legal advisor regarding your situation.
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• Estate planning. It’s not just for the wealthy. Many people want to leave assets for the next generation, do charitable giving, or provide for an individual with special needs. Whole life insurance can be an efficient way of passing money onto the next generation.
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Sponsored by Out of the Blue
Calendar of Events FRIDAY, FEB. 8
Special Occasions Band @ Eclipse Restaurant Sports Bar & Billiards, 5615 Wellington Road, Ste 101, Gainesville Live sound DJing and More Time: 9:30 p.m.-1:30 a.m. | Cost: Free eclipsebarandbilliards.com SATURDAY, FEB. 9
Healing Hearts 4th Annual Casino Night Fundraiser @ Heritage Hunt Golf and Country Club, 6901 Arthur Hills Drive, Gainesville The fourth annual Casino Night Fundraiser features a masquerade theme. Buffet-style meal, cash bar, $200 of fun money per guest, silent auction, raffle items and prizes. Time: 6 p.m.-11 p.m. Cost: $60 single ticket, $100 couples ticket, $500 - full table (seats 10) www.healingheartsrespitefoundation.org SATURDAY, FEB. 9
Fringe Benefits Band at Lion & Bull @ Lion & Bull, 5351 Merchants View Square, Haymarket Featuring music from Motown to classic rock, spanning 70s, 80s, 90s and today’s best hits! Time: 9 p.m.-1 a.m. | Cost: Free www.lionandbullsportspub.com SATURDAY, FEB. 9
JunkFood @ Eclipse Restaurant Sports Bar & Billiards, 5615 Wellington Road, Ste 101, Gainesville
JunkFood’s live show is a high-energy party, making them one of the most sought-after bands in the DC/Metro Area Time: 9:30 p.m.-1:30 a.m. | Cost: Free eclipsebarandbilliards.com WEDNESDAY, FEB. 13
An Analysis of Investment Behavior @ Piedmont Country Club, 14675 Piedmont Vista Drive, Haymarket Michael Lynn of Columbia Threadneedle is the speaker. Time: 6:30 p.m. | Cost: Free www.edwardjones.com FRIDAY, FEB. 15
A Hypnotist event with Flip Orley @ Eclipse Restaurant Sports Bar & Billiards, 5615 Wellington Road, Ste 101, Gainesville Hypnotist Flip Orley with the DC Improv will be on stage. Time: 8 p.m.-10 p.m. Cost: $26 for general admission www.Eclipsebarandbilliards.com FRIDAY, FEB. 22 – SUNDAY, FEB. 24
Mer-Magic Con 2019 @ Freedom Aquatic and Fitness Center, 10900 University Blvd., Manassas Classes, workshops, and programming for all levels of mermaid enthusiast - guppy to pro. Time: Friday: 4 p.m.-8 p.m., Saturday: 8 a.m.-8 p.m., Sunday: 9 a.m.-1 p.m. Cost: $75 for mer-magic con pass, $20 for observer (no panels, workshops or swimming
St. Katharine Drexel Mission 3rd Annual Mardi Gras Ball @ Piedmont Country Club, 14675 Piedmont Vista Drive, Haymarket All are invited to join St. Katharine Drexel Mission for its 3rd annual Mardi Gras Ball on Saturday, March 2, at the Piedmont Club. The evening will have dueling pianos, dinner, drinks and live and silent auction items.
– mostly for parents), $25 for kids 4-12, Free for kids 3 and under www.mer-magiccon.com/programming SATURDAY, FEB. 23
Fifth Annual Willing Warrior Monte Carlo Night @ Regency Dominion Valley Clubhouse, 15351 Championship Drive, Haymarket Come out with a group of friends and spend the evening with casino tables and chips and trying your hand full of “fun money” at black jack or roulette! Ticket includes $500 in fun money, assorted hors d’oeuvres, carving station, cash bar, silent auction. Time: 6:30 p.m.-10:30 p.m. | Cost: $75 willingwarriors.org/event/5th-annualmonte-carlo-night SATURDAY, FEB. 23
Wine Class at La Grange: Wine Ancestry @ The Winery at La Grange, 4970 Antioch Road, Haymarket Learn the history and ancestry of wines while exploring Bordeaux varietals and their genealogy with samples of Sauvignon Blanc, Cabernet Sauvignon, Cabernet Franc, Merlot and Carmenere! Classes will be led by Renee Dunn CWS, WSET3 and Alex Scadden, WSET2. There will be one seating for 30 people. Time: 1 p.m. to 4 p.m. | Cost: $30 wineryatlagrange.orderport.net/ merchandise/Special-Events
The Catholic Diocese of Arlington purchased land for the new church at the corner of Waterfall Road and Route 15 on behalf of St.
SATURDAY, FEB. 23-SUNDAY, FEB. 24
2019 USA Powerlifting Virginia Novice Open @ Next Level Fitness & Performance, 6620 James Madison Highway, Haymarket This is the first novice meet of 2019. There will be three more held throughout the year. Time: Begins at 9 p.m. Saturday, finishes at 6 p.m. Sunday. USAPLvirginia@gmail.com MONDAY, FEB. 25
Free Dinner Workshop: College and Retirement, You Can Do Both! @ Out of the Blue Restaurant, 5005 Wellington Road, Gainesville, VA Are you worried paying for college will derail your retirement plans? Are you concerned your kids will graduate with more debt than they can handle? Are you confused about the options of how to save and pay for college? Are you still paying on your own student loans and see no end in sight? If any of this keeps you up at night please join us for this educational and eye-opening seminar. The information is appropriate whether you have a pre-schooler or a high schooler! This free workshop is being offered by 15-year college funding and planning expert Luanne Lee, owner of Your College Planning Coach.
Adults Only. Seating is Limited. Registration is a must. Time: 6:30 p.m.- 8:15 p.m. bit.ly/2EjPq2L or yourcollegeplanningcoach.org
Katharine Drexel Mission. The community is in the process of raising funds to build their church building - all proceeds from the Mardi Gras Ball go directly to St. Katharine Drexel’s building fund. Tickets cost $75 and are available on the St. Katharine Drexel website at www.katharinedrexelcc.org. Laissez les bon temps rouler!
Pipe and Drums, several Irish dance groups and many Irish Ancient Order of Hibernians will celebrate the Grand Irish Tradition! Time: 11 a.m.-12:30 p.m. | Cost: Free www.stpatparade.net
SATURDAY AND SUNDAY, MARCH 2-3
SATURDAY, MARCH 9
FIRST Chesapeake District Haymarket VA Event @ Battlefield High School, 15000 Graduation Drive, Haymarket Forty of the best and brightest high school robotics teams will be competing in this two-day event. FIRST Robotics Competition is recognized as the premier high school engineering challenge. Teams of students, working closely with teachers and volunteer mentors, have six weeks to conceptualize, design, build, program, modify and test a robot to participate in a competition that changes each year. Time: 8 a.m.-7 p.m. | Cost: Free www.firstchesapeake.org/first-programs/frc/ first-chesapeake-district-events/northern-va
Wine & Food Truck! @ The Winery at La Grange, 4970 Antioch Road, Haymarket Enjoy your favorite La Grange wines with delicious food from Red Dog BBQ! Time: Food truck will be out noon-7 p.m. and the winery will be open from noon to 9 p.m. www.wineryatlagrange.com
SATURDAY, MARCH 9
Greater Manassas St. Patrick’s Day Parade @ Center Street, Manassas Several pipe bands including the Alexandria
MONDAY, MARCH 11
Branding Workshop for Young Entrepreneurs @ AR Workshop Bristow, 10290 Bristow Center Drive, Bristow This workshop is the third monthly workshop in the 2019 Young Entrepreneur Business Fair Workshop series. The primary instructor is branding expert and professional photographer Dawn Gardner of DG Photography. The Young Entrepreneur Business Fair is a grassroots community initiative to foster innovation and
John Fidler - REALTOR® U.S. Army Veteran Cell: 703-969-0680 John.Fidler@lnf.com
www.JohnFidler.LNF.com Save $$$ when you buy or sell your next home by using the military, veteran or government employee benefits you’ve earned. Call for a free consultation and market analysis.
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Calendar of Events Continued entrepreneurship in local youth between the ages of 6 and 16 through workshops and a comprehensive business showcase event. One-time registration covers entry to all six workshops and The Young Entrepreneur Business Fair on June 23rd, 2019. Time: 7 p.m.-9 p.m. Cost: Non-registered youth may also attend each workshop for a $10 fee collected upon entry to each workshop event. Workshop fee covers entry to the individual workshop attended. facebook.com/events/482671068887545 SATURDAY, MARCH 16
5th Annual Lucky Clover 5K @ Dominion Valley Country Club, 15200 Arnold Palmer Drive, Haymarket This is a flat, USATF-certified course and family-friendly to strollers, walkers and runners of all levels. All proceeds will benefit the American Cancer Society. Wear your
favorite festive costume for a chance to win a special lucky clover prize! Time: 8:30 a.m.-11:30 a.m. Cost: $35 for 5K, $8 for fun run raceroster.com/events/2019/20833/dvcc-5thannual-lucky-clover-5k SATURDAY, MARCH 23
JSO7 Rocks the Farm! @ The Farm Brewery at Broad Run, 16015 John Marshall Highway, Haymarket Great tunes, great brews at a great new brewery Time: 7 p.m. -10 p.m. | Cost: Free thefarmbreweryatbroadrun.com SATURDAY, MARCH 23
2019 Running with The Saints 5k @ All Saints Catholic School, 9294 Stonewall Rd, Manassas This is a fun, family- and stroller-friendly
KIDS CORNER
community event! Included with registration is a race day packet and T-shirt! Enjoy music, raffle prizes, and food after running a new faster course! This is a timed race, and runners’ start times are staggered with competitive runners starting first. Time: 8:15 a.m. | Cost: Adult $25, student $15 register.chronotrack.com/r/45829 SUNDAY, FEB. 24
Intro to Firearms Class Hosted by LFI @ Cabela’s, 5291 Wellington Branch Drive, Gainesville Time: 6 p.m.-7 p.m. | Cost: Free www.cabelas.com/stores/Virginia/ Gainesville/078.jsp
Gainesville Middle School Concerts By Marianne Weaver Photos provided by Samantha Fulda, Julie Kanter and Kim Sherwood Gainesville Middle School for the Arts and Sciences lived up to its name by hosting a series of concerts.
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CHARITY SPOTLIGHT
DISASTER SERVICES AND ASSISTANCE Bonnie Fulford, disaster services coordinator, helps manage volunteer resources before, during and after emergencies such as floods and severe snow storms.
Volunteering with Volunteer Prince William
By Mary Foley
If you haven’t met the wonderful folks at Volunteer Prince William yet, you need to add it to your ‘To-Do List’ today! If you’ve taken a tag off a giving tree during the holidays and purchased gifts for local children and seniors in need through VPW’s Un-Trim-A-Tree program, you’ve helped VPW meet a community need. Or perhaps you were a recipient of such gifts. But were you aware of the many other local services they provide to the community? As the motto on VPW’s website, www.volunteerprincewilliam.org, says, “It begins with the power of one.” The nonprofit organization helps coordinate and meet community needs through volunteer resources … and has been
doing so since 1981. VPW not only runs the popular Un-Trim-A-Tree holiday gift program, but they also run these key community services: • Volunteer connections • Retired and Senior Volunteer Program (RSVP) • Disaster services • Court-ordered Alternative Service Program for adults and juveniles VPW is the coordinating agency for all court-related community service work in Prince William county, for both adult and juvenile cases. Shelley Tibbs, VPW Adult and Juvenile Alternative Service program coordinator, said the services they
provide are so important because they help “clients to be successful.” HELPING RETIRED AND SENIOR VOLUNTEERS FIND THE BEST FIT Jan Hawkins, RSVP director, leads the Retired and Senior Volunteer Program, which helps individuals ages “55 and better” find volunteer opportunities in the local community. RSVP volunteers help deliver Meals on Wheels, drive veterans to local medical appointments and provide education on being “safe at home” to fourth grade students in local schools, among other services.
organizations, businesses and clubs to meet community needs. Learning best volunteer management practices is also key, and it is another service they offer through training and consulting services. They sponsor the volunteer coordinators network – a working group open to all volunteer managers that promotes professionalism and networking opportunities for all members.
“Rather than all relief efforts getting spun up here and there, we coordinate with local governments, businesses, and human service organizations to ensure the help reaches those in need,” said Fulford. “We match and direct volunteers to organizations where they can do the most good.
Mary E. Foley, VPW executive director, said the best thing about the organization is its ability of “connecting people where they are most needed while utilizing the volunteers’ time and talents that also meet their expectations.”
“Volunteer Prince William has been active in several snowstorms, providing volunteers for snow removal to senior citizens and persons with disabilities, for when they have a home health care provider coming to their door or
preparedness: Build a Kit; Make a Plan; Be Informed. Another component is donations management.
when they need to get out for medical appointments,” said Fulford. “Additionally, volunteers with 4-wheel drive vehicles have transported dialysis patients to and from their appointments.” Volunteers are not just needed for disaster relief. Volunteer Prince William runs a robust outreach program based on three tenants of disaster
“Following disaster events, many groups and individuals are anxious to help but are unsure as to the best way to go about it,” said Fulford. “It is always of paramount importance to learn exactly what is needed, rather than to assume.” MAKING CONNECTIONS VPW is like a couple’s matchmaker but for volunteers and organizations that need volunteers. They convey volunteer needs of partners through a weekly “Call to Action” column that reaches 25,000 households in the region. They also facilitate connections with
Volunteer Ted Campbell, who delivers Meals on Wheels for RSVP said, “Interacting with senior citizens is the most rewarding part of RSVP. I feel like I’m making a worthwhile contribution to help others, and I enjoy knowing I am able to provide a nutritious meal and critical social interaction to clients who are by themselves during the day.” BEGIN WITH THE POWER OF YOU VPW is always looking to connect volunteers and their skills and talents to organizations that can use them. If you would like to get more information on how you can help, or if you are in need of their services, you can reach VPW online at www.volunteerprincewilliam.org or call 703-369-5292. VPW is located at 9248 Center Street in Manassas and is an affiliate member of the Points of Light Institute & Hands On Network, whose mission is to inspire, mobilize and equip people to take action that can change the world. Because one person at a time really can change the world.
po box 164 nokesville va 20182 FOR ALL YOU HOME ELECTRICAL NEEDS, CALL 703-594-3913! IT RUNS IN OUR FAMILY, IT WILL RUN IN YOURS.
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