Yvonne Hurt, Northern Neck of VA Real Estate

HELP For Home Buyers

Even though home prices have moderated, even though interest rates are at historic lows, even though there is an incredible selection of homes on the market, even though there is an $8,000 tax credit available for first time home buyers, homes sales remain sluggish. What is keeping potential home buyers on the fence? With HELP, you can buy confidently!

There is HELP. Homeowner Education and Loan Protection. Information below on the HELP Program is courtesy of Long & Foster REALTORS

H.E.L.P. JOB LOSS PROTECTION:

A BRAND-NEW ADDITION TO THE BUY CONFIDENT PLAN.

While Long & Foster believes this Program could be of significant benefit to many home buyers, each home buyer must thoroughly review the details of the Program to determine its benefits and their eligibility. This overview is not intended to be an exhaustive description.

In this uncertain market there are a variety of factors that go into the decision about whether now's the right time to buy.

The HELP program also includes Job Loss Protection, which can assist buyers with their mortgage payments each month, for up to $1,800 per month for up to 6 months, in the event of involuntary unemployment.

That's why the Buy Confident Plan through Long & Foster REALTORS now includes HELP (Homeowner Education and Loan Protection) from the Rainy Day Foundation. HELP offers six months of phone counseling and monthly educational e-newsletters.

It's available on select Long & Foster listings and paid for by the seller, and it's another reason to Buy Confident^TM.

It all adds up to less stress. And more confidence.

OVERVIEW

The Job Loss Protection Program will provide up to six months of mortgage payments if the borrower (or co-borrower) becomes involuntarily unemployed.

This program provides mortgage payment coverage for up to six months during the first 24 months of the loan.

Within 30 to 45 days after a buyer moves into a new home, a packet will arrive that explains the unemployment coverage and how to handle a claim in the event of an involuntary job loss.

• Up to six months of mortgage payments

• Coverage up to $1,800 per month

• Easy enrollment process

There are conditions and exemptions to this program so call me to discuss this opportunity to buy confidently through a Long & Foster agent. The program is available to home sellers. It is a program that the seller elects to participate in when they list with Long & Foster. The purchaser of a home offered with the HELP Job Loss Protection Program can feel secure in their decision to buy. It is a great benefit to the purchaser if they involuntarily loose their employment. Sellers, looking for a wonderful program to offer to potential buyers of your home?? This is it.

The Rainy Day Foundation is a non-profit organization that helps promote responsible homeownership with emphasis on protecting homeowners from the unexpected. Click here for more information on the HELP Program . Find out more about the Rainy Day Foundation.

For information on the $8,000 tax credit for first time home buyers, click here.

For all your Northern Neck of VA real estate needs, Call on

Yvonne Hurt, CRS, GRI, ABR Long & Foster REALTORS White Stone, VA

804-456-2144 or Visit me on the web email: yvonne@NorthernNeckVA.com

Ladies, are you looking for fun, the chance to learn new things, and an opportunity to make a REAL DIFFERENCE in your community?

Join The Woman's Club of Northumberland County, Virginia, Inc.!

The Woman's Club is a place to:

• Meet and make new friends
• Share your talents
• Develop new interests
• Learn new skills
• Expand your knowledge
• Improve your community through volunteer service
• Network
• Enjoy a sense of pride and accomplishment
• Problem solve community issues
• Demonstrate your leadership skills
• Be informed

Oh, and did I mention, have FUN!!!

The Northumberland County Woman's Club was organized in 1935 and has been serving the Northumberland County community ever since. The current Woman's Club became an independent club in 2005 when it became incorporated. The current clubhouse in located in Lottsburg, VA.

The Woman's Club supports the community through these programs:

• Operation Smile, one smile at a time. Contributions include monetary donations but also include handmade blankets and goodie bags and toys for children
• Endowment program for a woman over 30 that is starting or returning to college
• Annual high school scholarship award
• Angel Tree--teaming with local Social Services programs to help make the holidays special
• Political forum for local candidates
• Programs and visitation to nursing homes, schools, and library
• Central VA Food Bank
• Fund raising activities for the club's charitable donations and activities for the community
• Heathsville Tavern Golden Christmas Event

Oh, and did I mention, have fun???

Sylvia Ball and Eleanor Morris, members of the Woman's Club.

These lovely ladies were great sports and enjoyed modeling some outfits presented by Wildest Dreams located in Burgess and The Dandelion located in Irvington, VA at the recent Spring Fashion Show and Luncheon. The Spring Fashion Show and Luncheon is one of the three major fund raising activities for the club. The other activities include a monthly Bridge Game Day with Luncheon and a Red Hat Bingo Luncheon.

Here are some other pictures of the Fashion Show luncheon:

These lovely models are wearing clothes presented by The Dandelionlocated in Irvington, VA.

This beautiful black and white dress was presented by Wildest Dreams in Burgess, VA.

There was an award for "Woman of the Year" presented to Joan Clements for her outstanding volunteer work and dedication to the Northumberland County Red Cross. Ms. Clements has donated many years of loyal volunteer service to the local Red Cross and assisted with hurricane relief, fire displacement relief, and has helped promote local blood drives along with many, many other services. Congratulations on a well deserved award!

The Northumberland County Woman's Club is open to all women living in Northumberland County. What are you waiting for?

The next meeting is May 12, 2009 at 12:30 in Lottsburg at the clubhouse. Bingo will played after the business meeting and social time. Hope to see you there!

For information on Northumberland County, VA real estate or Northern Neck of VA real estate, please give me a call at 804-456-2144 or email me at Yvonne@NorthernNeckVA.com or visit me on the web.

Yvonne Hurt, REALTOR, CRS, GRI, ABR, SHS

Long & Foster Bay/River Office, 387 Chesapeake Drive, White Stone, VA 22578

The Northern Neck of VA is well known for great fishing. Reedville was once called the town that fish built due to a number of commercial fishing factories that lined Cockrell's Creek. While all but one factory is gone now, the fishing remains very good.

For novice and experienced fishermen and fisherwomen, there are few fishing experiences that top going out with a professional charter boat captain. The charter boat captains can find some of the best fishing holes around. I don't relish the thought of baiting my own hook and taking my catch off the line. OK, OK, I admit it, I'm far from a fishing expert but, I do like to eat fish if that counts at all!

I like charter fishing because all I have to do is book the trip and show up. I leave the navigation, the baiting, and line detangling to those more competent in such matters. I can relax, enjoy the boat ride and sun, and throw my baited fishing hook over and wait for the "big one". If you take one of the charter boats out of Reedville, it is just a very short ride to the Chesapeake or out to "the jetties" for the Stripers.

This is the time to book your Spring fishing trip before all the good dates fill up. Two excellent charter boats out of the Reedville area are the J-Mar with Capt. Ferrell McLain known as Bayfish Sport Fishing Charters and the Mystic Lady II with Capt. Gene Pittman at Pittman Charters.

The J-Mar is a 42 foot fiberglass, fully equipped charter boat. She has the latest fishing equipment including rods and tackle. The J-Mar has a spacious heated cabin for fall and spring fishing, and a private restroom.

The J-Mar is Coast Guard inspected and approved for 12 passengers.

The pictures of the J-Mar and the fishing catches were taken with permission from the Bayfish web site. To check on available dates, to book a trip, or for more info, please visit the Bayfish website.

A wonderful day of fishing awaits you on the Mystic Lady II with Capt. Gene Pittman out of Reedville, VA. Capt. Pittman offers Chesapeake Bay fishing for Stripers, blues, flounder, trout, and spanish mackerel.

The Mystic Lady II is a 46 ft. fiberglass sport fishing boat with the latest equipment for fishing, safety, and enjoyment. She is Coast Guard inspected and approved for 23 passengers. The Mystic Lady II offers air conditioning and heat, spacious cabin, and a private toilet. Generally a mate is along to assist with baiting your line, helping you bring your catch aboard, and cleaning your fish on the trip back to the dock.

For more information on Pittman Charters, please visit their website. Whichever charter boat you pick, it is important to remember a few key things to make your day great. Rubber soled shoes are necessary to prevent falls on wet or slippery boat decks. Be prepared for the sun's rays even in the spring and bring hats, sunglasses, and sun screen. Another item to bring is a cooler to carry home your fish and an attitude for adventure. Enjoy your day on the water in the Northern Neck of VA.

For other fine charter boats in the Northern Neck area, please visit the Virginia Charter Boat Association website.

For information on Northern Neck of VA waterfront properties or real estate in the Northern Neck of VA, please visit my website.

Call on Yvonne Hurt, "Your Northern Neck Real Estate Specialist", for all your Northern Neck real estate needs. Yvonne Hurt yvonne@NorthernNeckVA.com or 804-456-2144

Yvonne Hurt, CRS, GRI, ABR, SHS Long&Foster REALTORS, Bay/River Office White Stone, VA

As an animal lover and horse owner, my clients often ask me who to call on for equine hoof care here in the Northern Neck of VA. A light bulb flashed on last Tuesday as my horse was getting his "new shoes".

BLOG about it.... Meet Joe Cuthbertson, my farrier.

This photo shows Joe Cuthbertson and Melissa Malandrinos as they are preparing to provide hoof care to my horse, Dusty. Joe usually has his traveling companions Spirit and Moose along with him. Spirit is an elderly but feisty, wire haired Jack Russell Terrier and Moose is a golden retriever. Moose is just a youngster and learning the proper ferrier dog etiquette from Spirit. We have been happy to welcome Melissa who is a graduate of the Heartland Horseshoeing School. She has been working with Joe for her practical "hands-on" training.

Joe is a second generation farrier. His father used to provide hoof care for Dusty prior to his retirement a couple years ago. Joe, a graduate of VMI and of horseshoeing school, has been doing a good job of keeping Dusty's feet happy and healthy over the last few years.

He arrives like clockwork at his appointed time every six weeks to remove the old horse shoes, clean and trim back any extra unwanted hoof growth, and set the new shoes.

Dusty especially likes Joe's visits since he arrives with horse treats. He gets excited when he sees the truck that is outfitted just for farrier services because he knows he will get new shoes, lots of petting, and sweet licorice flavored treats...mmm

So, if you need horse shoes, give Joe a call at 804-436-6041.

If you need Real Estate assistance, give me a call:

Yvonne Hurt, REALTOR, GRI, ABR, CRS 804-456-2144 or email me at Yvonne@NorthernNeckVA.com Visit me on the web.

Long and Foster REALTORS, White Stone, VA 22578

Daddy-O's is one of those places like on the TV show, Cheers, where everybody knows your name...

Daddy-O's just opened about 6 months ago and has become a wonderful addition to the area. It is located in Burgess, VA right on Rt. 360 near the stop light.

It is open most days for lunch and dinner and offers a casual and friendly atmosphere. The decor is retro with photos of James Dean, Elvis, and the like gracing the walls.

Daddy-O's specializes in pizzas and subs. They make their own crust from a closely guarded recipe. My favorite pizza is their Greek pizza although the Margarita pizza looks amazing as well.

But, in addition to great pizzas and calzones, they offer daily lunch specials that include delicious soups, sandwiches, and subs. Their crispy matchstick fries are very popular. If you are in the mood for something lighter, they have awesome fresh salads of all types.

Tommy Crowther, the owner, posing in front of the pizza ovens. The friendly servers are ready for your order. Busy day? Just call your order in and pick it up on the way home . Daddy-O's has a take out service. Call 804-453-4990 or drop by for lunch or dinner Wednesday through Saturday or for an awesome brunch on Sundays. Yeah, have to admit, I'm a fan. Can't help it, I just really like good food.

For all your real estate needs, Call on, Yvonne Hurt, "Your Northern Neck Real Estate Specialist"

804-456-2144 or email: yvonne@NorthernNeckVA.com or visit me on the web.

Yvonne Hurt, ABR, GRI, CRS REALTOR licensed in the Commonwealth of VA Long & Foster REALTORS 387 Chesapeake Drive, White Stone, VA 22578