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August and September 2009
Dutchland Woods At Home Because Home Is Where One Starts From
N e x t i s s u e d u e d a t e S e p t e m b e r 1 5 , 2 0 0 9
S P E C I A L P O I N T S O F I N T E R E S T : • Pg 2 Strawberry Cake Recipe and Happy Birthday Wishes! Pg 3 DW 30th Anniversary Golf Outing! Pg 5 Social and Rec Present Pizza Night! Pg 6 Have A Room Painted By The Same Talented Person Who Painted The White House! Pg 7 Prepare Now For Disasters! Pg 10 Meet Your Neighbors Pg. 11 Ohio Rules Of The Road! Pg 12 My Listings and Sales!
The List of Service Providers
Do you have a skill that you would like to offer your neighbors? Do you have a favorite service provider such as a handyman, plumber, electrician, attorney, tax accountant, painter, landscaper, interior designer, blue max waterline repair, Realtor, piano teacher, Tai Kwon Do Instructor, hair designer, seamstress, knitting instructor, mechanic, family doctor, OB-GYN, personal trainer, carpenter, musician and DJ, loan officer, insurance agent, veterinarian… etc?
I have a list that is on my website called Brenda’s Business List of Service Providers. These are my favorites. These are people that I have called upon over and over and have
seen consistently that they have done a great job. These providers are the ones I turn to for personal or business use and would be happy to recommend. A neighbor of mine called and suggested that we create a business directory or a business referral list for everyone here in Dutchland Woods. We would like to focus first on anyone who lives here and provides a service. We would like to know who you would recommend? Who is on your list? Word of mouth recommendations are the best referrals for service providers. The best compliment any service provider could get is a referral from a “raving fan”!
Please think about who you would refer to others and send me an email with their information. We will grow our list of service providers from which we all may benefit. When we add a service provider to our list, we will send a note or email to let the provider know of the referral to the DW community. The list will be published in this same form and available on my web-site www.BrendaSwigert.com Click on the link Area Service Providers Email your list to: Brendaswigert@gmail.com
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F i r s t T i m e T a x C r e d i t C a n B e F o r D o w n P a y m e n t o r C l o s i n g f o r F H A - B a c k e d l o a n s !
U s e d C o s t s
Shaun Donovan of the U.S. Department of Housing and Urban Development stated in May that HUD would allow the first-time buyer tax credit to be used for a down payment or closing costs, at least for FHA-backed loans. Under the program, borrowers using the FHA for their first mortgage financ-
ing can apply for a bridge loan that uses their tax-credit proceeds as collateral. The loan can be used to cover their closing costs, buy down their interest rate, and cover their down payment over and above the FHA’s required 3.5 percent minimum.
They’ll still have to cover the minimum down payment themselves or tap other assistance. From Realtor Magazine For more information visit my website at www.BrendaSwigert.com
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Do You Have a Backup Plan for Your Income?
Would you like to learn how to make money from everyday purchases? Would you like to learn how to leverage your income for the future working part-time? We are part of a business that has had positive growth for 64 straight quarters and even did well during the fourth quarter of 2008! It is well positioned for explosive growth due to its powerful partnerships and distribution system combined with a personal customer touch. What Makes This Business Special? It is a Product Brokerage Co with Over 2000 Exclusive Products to Sell Distribution of Products in 10 Multi-Billion Dollar Markets Ranging from Health & Nutrition to Internet Web Sites to Cosmetics, Pet Care, Music and Much More A Partnership with Google for Engine Search on 30 Million Products Ability to Earn While You Shop at Over 3,000 Branded Stores Like Wal-Mart, Target, Travelocity, Staples, and Best Buy A Proven System.….Low Cost Entry..…Not Multi-Level Marketing You are invited to learn more. Distributors have already earned over $1.4 billion in commissions. We Live in Dutchland Woods and are looking for partners who want to improve their health and their wealth in 2009! We are scheduling short business briefings in August and September to review this business system. Please call or email us to reserve a spot.
Joanne & Brad Arnott Independent Unfranchise Owners of Market America, Inc. PH: 755-0997 Email: firstname.lastname@example.org
My Daughter’s Favorite Birthday Cake Strawberry Cake Happy 26th Birthday Jennifer!
Ingredients: 1 pkg white cake mix 1/2 Cup mashed strawberries (fresh or frozen) 1 pkg strawberry jello (4 oz box) 1 Cup Crisco Oil (I use smart balance oil) 1/2 Cup Cold Water 4 Eggs Directions:
“This is a fabulous time to refinance your home. We have loans to help you reduce your monthly payments! Call me today… I have worked with Brenda Swigert for years”!
Mortgage Loan Originator
Contact Information 513-509-1736 Email Scott.Lyle@53.com 30 Fountain Square
Preheat oven to 350 degrees. Mix all ingredients together. Separate into three 8 inch round cake pans. Bake for 25 minutes or until done. Icing: 1 Box Powdered Sugar (1 LB), 1/4 stick of butter softened, 1 teaspoon vanilla, add enough strawberries to moisten, having icing stiff. Refrigerate cake and serve cold with vanilla ice cream.
Dutchland Woods At Home
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• Remove the hassle of unnecessary phone calls. • Enjoy the convenience of scheduling a time of your choice. • Be confident when you receive our email confirmation.
• A 20 dollar gift card for Scheduling an Inspection Online. Schedule Your Inspection Online Today! www.hometeaminspection.com/cincy 513-469-1117
F i r s t M o n d ay O f E v e r y M o n t h i s Pa p a J o h n ’ s P i z z a N i g h t
Social and Rec Proudly Presents “Papa John’s Pizza Night”! The First Monday of Every Month Swing by the White House between 4:30 and 7:00 pm Pick Up Your Choice of: Medium Pepperoni or Extra Cheese Pizzas Or Breadsticks! Any of these items are $6.00 each! All proceeds benefits the Social and Recreation Committee’s Activities!
DID YOU KNOW?….. At the concession site You can borrow softball bases, volleyballs and basketballs to use while you are at the pool and our park! If you have any to donate in good condition please let us know! For More information Please contact Jodi Strutz at 254-0301
Did Your House Suffer Wind Damage?
ARE YOUR ROOF SHINGLES LIFTED OR COMPLETELY MISSING?
HAS SIDING OR METAL BLOWN OFF YOUR HOUSE LEAVING BARE WOOD EXPOSED?
E.M.A. CONSTRUCTION, LLC 513-616-1722
DON'T SETTLE FOR LESS FROM YOUR INSURANCE COMPANY WE WILL NEGOTIATE WITH YOUR INSURANCE COMPANY TO MAKE SURE ALL YOUR SIDING AND ROOFING NEEDS ARE RESOLVED
Jack Lewis Insurance
We specialize in residential mortgages and refinancing! Act now to take advantage of our low interest rates! Michelle Bell, Assistant Branch Manager 8350 Arbor Square Drive Mason, Ohio 45040
8585 Mason Montgomery Rd Mason, Ohio 45040 Office: 513-229-8928 Fax: 513-842-4361 Cell: 513-505-7654
email@example.com Jack Lewis, Agent “Advice...not simply insurance” Auto-Home-Life-Health/Medicare-Business/Benefits
Equal Housing Opportunity Lender
What are you doing when the kids head back to school?
Bible Study Here In Dutchland Woods Come Join Your Neighbors for Fellowship and Great Devotional Time. For more information please contact: Kim Rogers at: firstname.lastname@example.org
*Room special is for one coat (second coat $25), 14’x14’ room max, 9’ ceiling height max, and does not include ceiling, trim, or cost of paint. Call Tracy @ 777-1147 Ask about pricing for Faux, Wallpaper Removal, Painting of Ceilings, Trim, etc. Past jobs include the interior of the Dutchland Woods Clubhouse. Pray For Our Troops and Our Country! Pray For Your Neighbors too!
Ohio encouraged to prepare for disasters Submitted by Jack Lewis, Agent (see page 6 for contact info)
COLUMBUS — Wildfires, flooding, tornadoes, – disasters strike everywhere in the U.S. That’s why spring disaster season is a good time to make sure your insurance needs are in order, especially your homeowners or renters policies. Ohio Department of Insurance Director Mary Jo Hudson is encouraging Ohioans to take some time to re-familiarize themselves with their policies and to address any questions with their insurance agent or company. Director Hudson offers these tips when developing a disaster plan: Get Prepared: Review and Update Your Insurance • To begin a review, start with your home inventory. Creating an inventory and storing it in a safe location away from home is one of the most basic – and effective – disaster preparedness steps you can take to help protect yourself and your financial future. A home inventory can save you time and headaches when filing a claim following a disaster. • It is important to review your inventory each year. Remember to note the make, model, serial number, purchase price and date of purchase of any new items and keep copies of receipts for major purchases with your inventory. If you’ve purchased or have been given jewelry and/or art, make sure to have it appraised. And, don’t forget to take photos and/or video of the new items. Once you have a complete home inventory, talk with your insurance agent or company to make sure you’re not under- or over-insured. • Also, make sure you know whether your policy includes coverage for replacement cost or actual cash value in case of a loss. Actual cash value (ACV) is the amount it would take to repair damage to your home or to replace its contents after allowing for depreciation. Replacement cost is the amount it would take to rebuild or replace your home and its contents with similar quality materials or goods, without deducting for depreciation. • Store copies of your insurance policies with your inventory in a safe location away from your home, so that these records can be easily retrieved in the event of a loss. Most families have life, automobile, and homeowners or renter’s insurance policies. Some families may also have a flood insurance policy or other types of policies. Before you store the insurance policies, review them to verify that they meet your needs. Make sure you know your policy limits, deductibles, exclusions and policyholder claims notification requirements, before disaster strikes. • Keep a list of contact details for your insurance agent and/or company with your policies. Include office phone numbers, mailing addresses, Web site addresses and all of your policy numbers for quick reference. • Losses due to flooding are not covered under a regular homeowners or renter’s insurance policy. If you are in an area where flooding is a concern, talk with your insurance agent or company about a flood policy through the National Flood Insurance Program (NFIP). Remember, there is a 30-day waiting period before a flood policy goes into effect. Disaster Strikes: Before and After an Emergency Limit Your Risk • There are steps you can take to mitigate – or lessen – your exposure to some types of disasters. In a wildfire area, this might mean clearing brush from the perimeter of your home. In areas where tornadoes frequently occur, this might mean removing damaged or diseased tree limbs hanging over your home. Assessing the Damage • When assessing your home following a disaster, remember to photograph and/or video tape any damage. You should also make repairs necessary to prevent further damage to your property (e.g., cover broken windows, leaking roofs, etc.), but do not make permanent repairs until you have received written approval from your insurance company or their designated representative. Keep receipts for any necessary inspections or repairs you make, because they might be reimbursable under your policy. Until the claim is settled to your satisfaction, keep any damaged personal property for the adjuster to inspect. Continued on page 8...
Insurance Continued from page 7
Filing a Claim • File your claim as soon as possible. Call your insurance company or agent with your policy number and other relevant information. Keep a detailed list of conversations and correspondence with your insurance company and/or agent. Include the name of the person you spoke with, their contact information, the date and time of the conversation and notes of what was said. Be sure to cooperate fully with the insurance company and provide all information requested. Providing incorrect or incomplete information might cause an unnecessary delay in processing your claim. Claims Settlements • If there is a disagreement about the claim settlement, ask the company for the specific language in the policy that is in question. Find out if the disagreement is because you and the insurance company interpret your policy differently. If this disagreement results in a claim denial, make sure you obtain a written letter from the company explaining the reason for the denial and the specific policy language in your policy under which the claim is being denied. • If offers made by an insurance company do not meet your expectations, be prepared to negotiate with the company to get a settlement that meets your expectations. Ohio insurance consumers with questions and concerns about their insurance or who wish to file a complaint against their insurance company can call the Department’s consumer hotline at 1-800-686-1526. Free information can also be obtained at www.insurance.ohio.gov. Ohio Department of Insurance Contacts: Robert Denhard, Public Information Officer (614) 644-3366 Jarrett Dunbar, Public Information Officer (614) 644-2475
Thank You To The Distributors of This Newsletter!
Many of your neighbors over the years have been kind enough to spend their time delivering the newsletter in all kinds of weather. This newsletter goes out bi-monthly and I want to thank those who have delivered this in the past and especially those who are still delivering. Ann Proxon delivers Amsterdam Greer Maher delivers Cobblers Trail (welcome Greer!) Joy Hunter delivers Dutchland Blvd east of Netherland Drive Karen Stephenson delivers to Gretel and Countryside Betsy Boyers delivers to Hansbrinker Ct and Marken Ct Graeme George delivers to Netherland Dr (N. of Dutchland Blvd) and to Wilhelmina Joe and Carol Soete deliver to Silver Skate Linda and Mike Curran deliver to Tulip Lane Sharon Wilson delivers to Tulip Court Kathy Klein delivers to Wooden Shoe Ct Vicki Kemper delivers to Windmill Beverly Dowler delivers to Netherland Dr (South of Dutchland Blvd), Netherland Ct, Dutchland Blvd to Netherland Dr and Rotterdam. We need distributors for Hansbrinker Drive, Wooden Shoe, and Edam Ct. Please thank those who volunteer! Want to help? Call me or email me! BrendaSwigert@gmail.com 513-755-9597
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Meet Your Neighbors
Meet the Allens of Wooden Shoe Court
Eddie — Home Remodeling Business Owner, Valerie — Homemaker, Jaden, 5 starts kindergarten in the fall, Maddyson, 3, Gavin, 9 months How long have you lived in Dutchland Woods? We have lived in Dutchland Woods going on three years. We really enjoy the neighborhood. We have the greatest neighbors anyone could wish for. What is the most interesting/challenging house project you have taken on? WOW! We have taken on so many challenging and interesting home projects. We own a construction company, so we have been able to replace all the vinyl siding, new 6" seamless gutters, new vinyl shutters, new custom bent aluminum trim, new custom built deck, and new garage door. That's just the exterior. We have also re-done the whole interior with new paint, carpet, flooring, bathrooms, doors and drywall repairs. Right now we are installing a stone wall in the back around the deck with a small pond and waterfall. We will then landscape. We are excited to sit and listen to the relaxing sound of the water. What kind of work have you done for your business in the neighborhood? We have done quite a bit of concrete work including sidewalks and driveways. We have also done some masonry, roofing, siding, gutters, and gutter protection. We are still doing work from the wind storm last fall. We would like to do more remodeling including bathrooms, kitchens, and decks. What has been your favorite neighborhood home on which you've worked? We have done work for numerous homeowners in the neighborhood, so it's hard to choose our favorite but I would have to say The Conner's on Hansbrinker have been our most memorable, by far. Jim and Michelle have been great customers, but more than that they are great neighbors. All the homeowners we have worked for have been great and we would love to continue to serve our neighbors with quality workmanship. What is your favorite family activity? We love to spend time together at the pool. Maddyson has really progressed this summer at the pool. During the summer one of our favorite family activities is enjoying ice cream from The Cone.
The Allen’s at ReMax Unlimited annual event Movie with Santa in Dec ‘08.
Mom’s Morning Out!
Moms' Morning Out-Now Registering!
Hopewell First Church of God 777-0190 or email email@example.com
6 months – 24 months 1 day a week: $45/month Wednesday: 9:30am–12:00pm
Beginning Oct 2009 -Lunch Bunch $5/day Children bring lunch and eat with friends. Optional for all children Mon & Wed: 12:00pm-1:00pm “Totally Optional Tuesday” Advance Reservations Required Open to all members and Non members of MMO 2-5 yr olds Tuesday: 9:30- 12:00pm $ 25.00 / per day
2-5 Year Olds 2 days a week: $90/month Mon & Wed: 9:30am–12:00pm
1 day a week: $45/month Mon or Wed: 9:30am–12:00pm
Ohio's rules of the road change ! From The Columbus Dispatch. New traffic laws include giving space to tow trucks on roadside, using headlights along with wipers
A new law took effect on July 1 requiring drivers seeing a tow truck at the side of the road to move over or slow down, just as they must for stopped police or fire vehicles. The requirement is one of several changes to Ohio traffic laws that the General Assembly approved as part of the transportation budget three months ago. Other changes include a higher speed limit for trucks -- 65 mph on rural interstates instead of 55 mph -- and a requirement that the state establish transition zones when posted speed limits drop by 20 mph or more. The law also requires drivers to turn on their headlights when they use windshield wipers in the rain. However, violations of that provision will result only in warnings this year; tickets may be issued beginning in 2010. The tow-truck requirement is intended to protect workers servicing vehicles stopped on the side of the road. In the past two years, two tow-truck drivers have been killed by passing cars in central Ohio . "A lot of people see a flashing yellow light, and they don't think anything about it," said Tom Gary, owner of Southwest Towing and Recovery in Fairfield County . "If you pull over, you could be saving someone's life." The law carries fines of $300, plus court fees, for first-time violators. A second violation in a year carries a fine of $500.
Brenda Swigert Your Neighborhood Realtor® Office: 759-4000 Res: 755-9597 Cell: 378-1461 Website: www.brendaswigert.com
See me in color… www.Dutchlandwoodsathome.com Click on Dutchland Woods Newsletter ACTIVE!
7360 Liberty One Drive Liberty Twp, OH 45044
Call and ask me about the $8000 first time home buyers tax credit! (or if you haven’t owned a home in 3 years). I have a special for listings for the Fall! Call me today to find out more! ACTIVE!
MY LISTINGS & SALES!!
6523 Hansbrinker Dr Liberty Twp, $159,900
20 S. Dock Side Drive Springboro $180,000
6931 Rotterdam Ct Liberty Twp $168,800
155 Hollytree Drive Liberty Twp $140,000
6675 Silver Skate Liberty Twp, OH $156,500
6894 Willow Creek Run Liberty Twp $350,000
6565 Tulip Lane Liberty Twp $159,700
6785 Netherland Ct. Liberty Twp $175,000
6630 Windmill Drive Liberty Twp, $175,000
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