Carol Wills

Our Buyer Resort Seminars are up and running, at Long and Foster, Deep Creek Lake.

They are offered every Thursday through out the Summer at 10:00 A.M.

These were successful last year and I actually closed some buyers. The feed back was that they learned alot about the area and the information helped them make an informed decision. Some topics include Types of Real Estate, The difference between LakeFront, LakeAccess and Split Lake Access Homes, Dock Types, Should you rent? Places to Shop, Eat and Explore.

If I know in advance you are coming to the area and you can not make our Thursday Seminar, I will give you a personal one on one Seminar and Tour. I have several on the schedule so I do need advance notice.

Carol Wills, Long and Foster, Deep Creek lake Office 571-214-3544

Its all about the lake activites, places to shop, eat and explore. WWW.DEEPCREEKLAKE360.com

Below is a calander of events from the Garrett Chamber of Commerce, of which I am a member. Our Chamber is a great force here and I wished I had joined it sooner. There are so many happenings here at the lake and the events below are just a few to choose from. Please let me know if you would like a Summer Package Delivered to you.

Enjoy this weekend! Carol Wills, Deep Creek Lake, Long and Foster, Real Estate

	Below is a listing of area events and happenings for the week of June 19 - June 25. June 19 Savage River Watershed Association Battling Botanical Bullies Savage River State Forest, 8:30 am - 12:30 pm. Adults needed to assist Savage River Watershed Association control alien species threatening biodiversity in Bear Pen Wildlands; pre-registration required. SRWAcoordinator@gmail.com, 301-895-3686. June 19 - 21 Buffalo National Powwow Nemacolin Woodlands Zoo & More Inc. Friday - Free Informal Gathering at Sweatlodge Fire. Saturday - Grand Entry at Noon, Dinner Break from 3 pm - 4 pm, Close at 6 pm, 7- 8 pm The John Wyrick Band opening for Bill Miller, 8 pm to 10 pm - Bill Miller. Sunday - Grand Entry at Noon, Exhibition Dances throughout the day & possible Meet & Greet with Bill Miller, Close at 5 pm. 6 pm to 7 pm Dan LaVoie, opening for N8V (http://www.danlavoie.com/) and 7 pm - 9 pm N8V. June 20 Tractor Pull Garrett County Fairgrounds, 4:30 pm. Gates will open at 1:00 p.m, food will be available. Sponsored by the Gorman Volunteer Fire Department. $. hneel@wildblue.net June 20 "First Light of Summer" Open House Studio Tour Snowbird Creations Glass Studio, Swanton, MD. 10:00 am - 4:00 pm. Tour the studio/gallery, learn about fused glass, the process, see demonstrations, have dialogue with the artist, Julie Turrentine. www.snowbirdcreations.com, 301.387.4624. June 20 "Deep Creek's Got Talent" Competition Honi-Honi Bar, 6:00 pm - 9:00 pm. Second Annual "Deep Creek's Got Talent" Competition featuring prizes for the top 3 performers chosen by real judges. Events proceeds to benefit a local charity organization. www.honi-honi.com, 301.387.9100. June 21 Mountain Top Saddle Club Open Show Garrett County Fairgrounds, 9:00 am. Come see the open horse and pony show. English and western classes. High point awards for each show. Free to watch! 301.616.0157. June 24 Bonfire Extravaganza All Earth Eco Tours. Every Wednesday June 24 -August 19 from 8:30 pm - 10:15 pm at Deep Creek Lake State Park. Park at the Discovery Center and follow torches to the amphitheater. Step back in time -storytelling, drumming, costumed performers, song and group dance participation. Sticks and marshmallows provided at the end. Great family fun! Children under 3 FREE. Fee: $5.00 per person Dress for the outdoors. Bring lawn chairs or blankets and flash lights. Call: 301-746-4083 for Information. Website: AllEarthEcoTours.com
Garrett County Chamber of Commerce 15 Visitors Center Drive McHenry, MD 21541 Phone: 301.387.4386 Fax: 301.387.2080 http://www.visitdeepcreek.com

This is the

Newsletter-June 15th, 2009 Provided by Mary Lou Rohrbaugh Mary Lou Rohrbaugh Prosperity Mortgage Company 23789 Garrett HIghway McHenry, MD 21541 Phone: (301)387-0361 Fax: (866)359-6174 Cell Phone: 301-616-8684 E-Mail: marylou.rohrbaugh@prosperitymortgage.com Market Comment Mortgage bond prices had another volatile week pushing mortgage interest rates higher. US debt concerns played the biggest factor in rate swings as worries continued that countries would shift out of US dollar holdings. Russia indicated a willingness to move some reserves from US Treasuries to International Monetary Fund bonds. Retails sales rose 0.5% as expected but the positive figure reinforced the belief that the economy is turning. Oil prices continued to escalate hitting over $72/barrel. For the week interest rates rose by 1/4 of a discount point. The consumer price index Wednesday will be the most important release this week. Strength in the other economic data will do little to help mortgage interest rates improve. LOOKING AHEAD Economic Indicator Release Date & Time Consensus Estimate Analysis Housing Starts Tuesday, June 16, 8:30 am, et Up 6.9% Important. A measure of housing sector strength. Weakness may lead to lower rates. Producer Price Index Tuesday, June 16, 8:30 am, et Up 0.4%, Core up 0.1% Important. An indication of inflationary pressures at the producer level. Lower figures may lead to lower rates. Industrial Production Tuesday, June 16, 9:15 am, et Down 0.5% Important. A measure of manufacturing sector strength. Weakness may lead to lower rates. Capacity Utilization Tuesday, June 16, 9:15 am, et 68.6% Important. A figure above 85% is viewed as inflationary. Weakness may lead to lower rates. Consumer Price Index Wednesday, June 17, 8:30 am, et Up 0.2%, Core up 0.1% Important. A measure of inflation at the consumer level. Lower figures may lead to lower rates. Leading Economic Indicators Thursday, June 18, 10:00 am, et Up 0.9% Important. An indication of future economic activity. A smaller increase may lead to lower rates. Philadelphia Fed Survey Thursday, June 18, 10:00 am, et Down 16.4 Moderately important. A survey of business conditions in the Northeast. Weakness may lead to lower rates. Consumer Price Index The Consumer Price Index is widely accepted as the most important measure of inflation. The CPI is a measure of prices at the consumer level for a fixed basket of goods and services. The National Statistics Office and the Bureau of Agricultural Statistics of the Department of Agriculture collect price data for the computation of the CPI. Since it is an index number, it compares the level of prices to a base period. By comparing the level of the index at two different points in time, analysts can determine how much prices have risen in that period. Unlike other measures of inflation, which only factor domestically produced goods; the CPI takes into account imported goods as well. This is important due to the ever-increasing reliance of the US economy upon imported goods. Analysts primarily focus on the core rate of the CPI which factors out the more volatile food and energy prices. High oil prices continue to weigh heavily upon the financial markets. The health of the economy remains uncertain. The Fed has itself in a precarious position of wanting to stoke the economy amid the real possibility of increased inflation. Market participants expect the consumer price index to be critical heading into the Fed's meeting next week. Inflation friendly data may lead to improvements in mortgage interest rates. However, unexpected consumer price spikes may push interest rates higher in the short-term. A cautious approach to float/lock decisions is prudent. Copyright 2009. All Rights Reserved. Mortgage Market Information Services, Inc. www.ratelink.com The information contained herein is believed to be accurate, however no representation or warranties are written or implied. MORTGAGE MARKET IN REVIEW Newsletter-June 15th, 2009

Mary Lou Rohrbaugh
Mortgage Consultant
Prosperity Mortgage Company
23789 Garrett Highway
McHenry, MD 21541
301-387-0361 Tel
866-359-6174 Fax
301-616-8684 Cell
marylou.rohrbaugh@prosperitymortgage.com
www.marylourohrbaugh.com


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Please see the information below about Flag Day and how it is honored in Garrett County. It made me think how lucky I am to be an American and live in a country where I have the freedom of choice. Garrett County continues to be an amazing place to live with really nice folks.

Flag On Mountain Maryland
Jun. 11, 2009

The fifth annual Flag on Mountain Maryland will be held at Wisp Resort on Flag Day, this Sunday, June 14. The indoor program will begin at 2 p.m. in the Lodge of Wisp.

"The planning committee has been working for months to host this meaningful tribute to our flag, our country, and our service men and women," said a spokesperson. "This year, special recognition is being given to the Vietnam era veterans."

Maj. Gen. (retired) Joseph Franklin will give the keynote speech. Patriotic music, a short video program, and the presentation of several awards will be included.

Special vocalist will be the Honorable Leonard Eiswert, Oakland. He will perform the national anthem and "America the Beautiful" in addition to leading the audience in "God Bless America."

A Vietnam veteran himself, Eiswert's military career spans from 1965 to 1972. He was an ROTC graduate and had obtained the rank of captain by the time he terminated, his military career.

He and his wife Kathy moved to Garrett County in 1977, where he partnered with Ralph Burnett to form the law firm of Burnett and Eiswert. Last October, Eiswert was appointed an associate judge of the District Court of Maryland for Garrett County, a position that was left vacated following the death Judge Burnett.

Eiswert and his wife are the parents of five children and eight grandchildren.

The Vietnam Veterans of America Chapter 172 will offer support in various ways during the Flag on Mountain Maryland celebration. Members will also sell some merchandise that is typically available at their gift shop in downtown Cumberland.

The Garrett County Marine Corps League and local Military Family Support Group will be collecting nonperishable food items, stationery, crossword and puzzle books, or financial contributions to send care packages to troops.

"In previous years, outdoor events have taken place at the Flag on Mountain Maryland," said the spokesperson. "While approved for a military flyover and a display of a helicopter this year, maneuvers and deployments have hampered efforts to find a unit to be present."

She added that the West Virginia National Guard may attend to display some of their equipment and trucks for the public to inspect up close.

Local motorcycle riders are encouraged to parade to McHenry and line the parking area to show their patriotic support, the spokesperson noted.

Weather permitting, volunteers will form a United States flag on the side of the Wisp ski slope.

Attendees may bring torn or tattered flags for collection by the Deer Park VFW. The organization will properly dispose of the flags in a ceremony that is open to the public on Saturday, June 27, beginning at 1 p.m. at the post.

Sunday, June 14, 2009

Come Visit the "New Deep Creek Lake

Deep Creek Lake is like a virtual amuzement park. One of our latest toys is the Mountain Coaster. The coaster is a blast and it has a break in case you want to slow down. Now I am not a fan of Roller Coasters. I think it goes back to my days living in Mission Beach, in San Diego. They had an old wooden coaster that was frightful and you always thought you were going to "die". But with all that fear, I would get right back on it, for another ride.

So, I decided not to use my breaks. My thinking was I would just get the ride over with. Well I screamed all the way down and said over and over, "I am never going to do this again". My daughter was waiting for me to finish and as I rounded the last leg of my adventure, I heard applause. There were about a dozen folks waiting and having heard my fear of Coasters from my daughter, they simply cheered me on and clapped. It was awesome.

Will I ever ride it again? To be continued................. In the meantime, if you want to take a ride with some other folks, go to my web site, http://www.deepcreeklake360.com/ Go to Summer or Winter Activities and Click on You Tube Videos.