august and september 2009 dutchland woods at home

8/14/2019 August and September 2009 Dutchland Woods at Home

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Do you have a skill that youwould like to offer yourneighbors? Do you have afavorite service provider

such as a handyman,plumber, electrician, attor-ney, tax accountant, painter,landscaper, interior designer,blue max waterline repair,Realtor, piano teacher, TaiKwon Do Instructor, hairdesigner, seamstress, knit-ting instructor, mechanic,family doctor, OB-GYN,personal trainer, carpenter,musician and DJ, loan offi-cer, insurance agent, veteri-narian… etc?

I have a list that is on my web-site called Brenda’s BusinessList of Service Providers.These are my favorites. Theseare people that I have calledupon over and over and have

Shaun Donovan of the U.S. Depart-ment of Housing and Urban Develop-

ment stated in May that HUD wouldallow 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 pro-

ceeds as collateral. The loan canbe used to cover their closing

costs, buy down their interest

rate, and cover their down pay-

ment over and above the FHA’s

required 3.5 percent minimum.

They’ll still have to cover theminimum down payment

themselves or tap other assis- tance.

From Realtor Magazine

For more information visit my

website at

www.BrendaSwigert.com

The List of Service ProvidersS P E C I A LP O I N T S O FI N T E R E S T :

• Pg 2 StrawberryCake Recipe andHappy BirthdayWishes!

• Pg 3 DW 30thAnniversary Golf Outing!

• Pg 5 Social andRec Present PizzaNight!

• Pg 6 Have A RoomPainted By TheSame TalentedPerson WhoPainted The WhiteHouse!

• Pg 7 Prepare Now

For Disasters!• Pg 10 Meet Your

Neighbors

• Pg. 11 Ohio RulesOf The Road!

• Pg 12 My Listingsand Sales!

F i r s t T i m e T a x C r e d i t C a n B e U s e dF o r D o w n P a y m e n t o r C l o s i n g C o s t s

f o r F H A - B a c k e d l o a n s !

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

Dutchland Woods At Home

Because Home Is Where One Starts From

August and September 2009Dutchland Woods At Home

www.Dutchlandwoodsathome.com

seen consistently that theyhave done a great job. Theseproviders are the ones I turnto for personal or business

use and would be happy torecommend.

A neighbor of mine calledand suggested that we createa business directory or abusiness referral list for eve-ryone here in DutchlandWoods. We would like tofocus first on anyone wholives here and provides aservice . We would like toknow who you would rec-ommend? Who is on yourlist? Word of mouth recom-mendations are the best re-ferrals for service providers.The best compliment anyservice provider could get isa referral from a “ravingfan”!

Please think about who youwould refer to others andsend me an email with theirinformation. We will grow

our list of service providersfrom which we all may bene-fit.

When we add a service pro-vider to our list, we will senda note or email to let the pro-vider know of the referral tothe DW community.

The list will be published inthis same form and availableon my web-sitewww.BrendaSwigert.comClick on the link Area Service ProvidersEmail your list to:[email protected]



P a g e 2 D u t c h l a n d W o o d s A t

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 futureworking 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 wellpositioned 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 SellDistribution of Products in 10 Multi-Billion Dollar Markets Ranging from Health & Nutrition to Internet Web Sites to Cosmetics, Pet

Care, Music and Much MoreA Partnership with Google for Engine Search on 30 Million ProductsAbility to Earn While You Shop at Over 3,000 Branded Stores Like Wal-Mart, Target, Travelocity, Staples, and Best BuyA 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 look-ing for partners who want to improve their health and their wealth in 2009! We are scheduling short business briefings in August and Septem-ber to review this business system. Please call or email us to reserve a spot.

Joanne & Brad ArnottIndependent Unfranchise Owners of Market America, Inc.

PH: 755-0997 Email: [email protected]

Scott Lyle,Mortgage Loan Originator

Contact [email protected] Fountain Square

“This is a fabulous time to refinanceyour home. We have loans to help youreduce your monthly payments! Callme today… I have worked with BrendaSwigert for years”!

My Daughter’s Favorite Birthday CakeStrawberry 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:

Preheat oven to 350 degrees.

Mix all ingredients together. Separate into three 8 inch round cakepans.

Bake for 25 minutes or until done.

Icing:

1 Box Powdered Sugar (1 LB) , 1/4 stick of butter softened , 1 tea-spoon vanilla , add enough strawberries to moisten, having icingstiff. Refrigerate cake and serve cold with vanilla ice cream.



D u t c h l a n d W o o d s A t H o m e



P a g e 4 D u t c h l a n d W o o d s A t

• 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 a y O f E v e r y M o n t hi s P a 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 pmPick 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!

D ID Y OU K NOW ?…..

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

WWW.EMAHOMEREPAIR.COM

ARE YOUR ROOF SHINGLES HAS SIDING OR METAL BLOWN OFF

LIFTED OR COMPLETELY MISSING? YOUR HOUSE LEAVING BARE WOOD

EXPOSED?

E.M.A. CONSTRUCTION, LLC513-616-1722

*SIDING*ROOFING*GUTTERS/GUTTER PROTECTION

DON'T SETTLE FOR LESS FROM YOUR INSURANCE COMPANYWE WILL NEGOTIATE WITH YOUR INSURANCE COMPANY TO MAKE SURE ALL YOUR SIDING

AND ROOFING NEEDS ARE RESOLVED

Did Your House Suffer Wind Damage?



We specialize in residential mortgages and refinancing!Act now to take advantage of our low interest rates!Michelle Bell, Assistant Branch Manager8350 Arbor Square Drive Mason, Ohio 45040www.pcbionline.com

Equal Housing Opportunity Lender 513-770-5000

Jack Lewis Insurance8585 Mason Montgomery Rd

Mason, Ohio 45040Office: 513-229-8928

Fax: 513-842-4361Cell: 513-505-7654

[email protected]

“Advice...not simply insurance”Auto-Home-Life-Health/Medicare-Business/Benefits

Jack Lewis,Agent

*Room spec ia l i s fo r one coa t (second c oa t

$25), 14’x 14’ room max , 9’ c e i l ing height m ax ,

and does not inc lude ce i l ing , t r im , o r cos t o f

pa in t .

Call Tracy @ 777-1147

Ask about pr ic ing for Faux, Wal lpaper Re-moval , Pa in t ing of Cei l ings , Tr im, e t c .

Pas t jobs inc lude the in te r io r o f theDutc hland Woods Clubhous e.

Bible Study Here InDutchland WoodsCome Join YourNeighbors forFellowship and Great De-votional Time.For more informationplease contact:Kim Rogers at:[email protected]

What are you doing when the kids head back to school?

Pray For OurTroops and OurCountry!Pray For YourNeighbors too!



Ohio encouraged to prepare for disastersSubmitted by Jack Lewis, Agent (see page 6 for contact info)

COLUMBUS — Wildfires, flooding, tornadoes, – disasters strike everywhere in the U.S. That’s why springdisaster season is a good time to make sure your insurance needs are in order, especially your homeowners orrenters 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 orcompany.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 locationaway from home is one of the most basic – and effective – disaster preparedness steps you can take to helpprotect yourself and your financial future. A home inventory can save you time and headaches when filing aclaim 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 withyour 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 cashvalue in case of a loss . Actual cash value (ACV) is the amount it would take to repair damage to your homeor to replace its contents after allowing for depreciation. Replacement cost is the amount it would take to re-build or replace your home and its contents with similar quality materials or goods, without deducting for de-preciation.• Store copies of your insurance policies with your inventory in a safe location away from your home, sothat these records can be easily retrieved in the event of a loss . Most families have life, automobile, andhomeowners or renter’s insurance policies. Some families may also have a flood insurance policy or othertypes 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 require-ments, before disaster strikes.• Keep a list of contact details for your insurance agent and/or company with your policies. Include of-fice 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 policythrough the National Flood Insurance Program (NFIP). Remember, there is a 30-day waiting period before aflood policy goes into effect.Disaster Strikes: Before and After an EmergencyLimit 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 fre-quently 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 dam-age. You should also make repairs necessary to prevent further damage to your property (e.g., cover brokenwindows, leaking roofs, etc.), but do not make permanent repairs until you have received written approvalfrom your insurance company or their designated representative. Keep receipts for any necessary inspectionsor repairs you make, because they might be reimbursable under your policy. Until the claim is settled to yoursatisfaction, keep any damaged personal property for the adjuster to inspect.

Continued on page 8...



Insurance Continued from page 7Filing a Claim• File your claim as soon as possible. Call your insurance company or agent with your policy number and other relevant infor-mation. Keep a detailed list of conversations and correspondence with your insurance company and/or agent. Include the nameof the person you spoke with, their contact information, the date and time of the conversation and notes of what was said. Besure 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 ques-tion. Find out if the disagreement is because you and the insurance company interpret your policy differently. If this disagree-ment results in a claim denial, make sure you obtain a written letter from the company explaining the reason for the denial andthe 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 asettlement that meets your expectations.Ohio insurance consumers with questions and concerns about their insurance or who wish to file a complaint against their insur-ance company can call the Department’s consumer hotline at 1-800-686-1526. Free information can also be obtained atwww.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 whohave delivered this in the past and especially those who are still

delivering.Ann Proxon delivers AmsterdamGreer Maher delivers Cobblers Trail (welcome Greer!)

Joy Hunter delivers Dutchland Blvd east of Netherland DriveKaren Stephenson delivers to Gretel and Countryside

Betsy Boyers delivers to Hansbrinker Ct and Marken CtGraeme George delivers to Netherland Dr (N. of Dutchland Blvd) and to Wilhelmina

Joe and Carol Soete deliver to Silver SkateLinda and Mike Curran deliver to Tulip Lane

Sharon Wilson delivers to Tulip CourtKathy Klein delivers to Wooden Shoe Ct

Vicki Kemper delivers to WindmillBeverly Dowler delivers to Netherland Dr (South of Dutchland Blvd), Netherland Ct, DutchlandBlvd 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!

[email protected]



P a g e 9



P a g e 1 0D u t c h l a n d W o o d s A t H o m e

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 thegreatest 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 com-pany, so we have been able to replace all the vinyl siding, new 6" seamless gutters, new vinyl shutters, newcustom bent aluminum trim, new custom built deck, and new garage door. That's just the exterior. We havealso re-done the whole interior with new paint, carpet, flooring, bathrooms, doors and drywall repairs. Rightnow we are installing a stone wall in the back around the deck with a small pond and waterfall. We will thenlandscape. 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 ma-sonry, 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 Iwould have to say The Conner's on Hansbrinker have been our most memorable, by far. Jim and Michellehave been great customers, but more than that they are great neighbors. All the homeowners we have workedfor 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. Duringthe summer one of our favorite family activities is enjoying ice cream from The Cone.

The Allen’s atReMax Unlimitedannual eventMovie with Santa inDec ‘08.

Meet Your Neighbors



Mom’s Morning Out!

Ohio's rules of the road change ! From The Columbus Dispatch.

New traffic laws include giving space to tow trucks on roadside, using head-lights along with wipers

A new law took effect on July 1 requiring drivers seeing a tow truck at the side of the road to moveover 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 aspart 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 mphor 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 be-ginning in 2010.The tow-truck requirement is intended to protect workers servicing vehicles stopped on the side of theroad. 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 savingsomeone's life."The law carries fines of $300, plus court fees, for first-time violators. A second violation in a year car-ries a fine of $500.

Moms' Morning Out-Now Registering!Hopewell First Church of God 777-0190

or email [email protected]

6 months – 24 months1 day a week: $45/monthWednesday: 9:30am–12:00pm

2-5 Year Olds2 days a week: $90/monthMon & Wed: 9:30am–12:00pm

1 day a week: $45/monthMon or Wed: 9:30am–12:00pm

Beginning Oct 2009 --Lunch Bunch $5/dayChildren bring lunch and eatwith friends.Optional for all childrenMon & Wed: 12:00pm-1:00pm“Totally Optional Tuesday”Advance Reservations RequiredOpen to all members and Nonmembers of MMO2-5 yr oldsTuesday: 9:30- 12:00pm$ 25.00 / per day



Brenda SwigertYour Neighborhood Realtor®Office: 759-4000Res: 755-9597Cell: 378-1461Website: www.brendaswigert.com

7360 Liberty One DriveLiberty Twp, OH 45044

MY LISTINGS &SALES!!

ACTIVE! SOLD! ACTIVE!

SOLD! SOLD! ACTIVE!

ACTIVE!

6523 Hansbrinker DrLiberty Twp, $159,900

20 S. Dock Side DriveSpringboro $180,000

6931 Rotterdam CtLiberty Twp $168,800

155 Hollytree DriveLiberty Twp $140,000

6675 Silver SkateLiberty Twp, OH $156,500

6894 Willow Creek RunLiberty Twp $350,000

6565 Tulip LaneLiberty Twp $159,700

6785 Netherland Ct.Liberty Twp $175,000

ACTIVE ! SOLD PENDING!

6630 Windmill DriveLiberty Twp, $175,000

Call and ask me about the $8000 first

time home buyers tax credit! (or if youhaven’t owned a home in 3 years).I have a special for listings for the Fall!Call me today to find out more!

See me in color…www.Dutchlandwoodsathome.comClick on Dutchland Woods Newsletter

august and september 2009 dutchland woods at home

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