Betsy Spiker

It has been a beautiful spring this year and boating season is just around the corner. I am frequently asked about boating regulations at Deep Creek Lake. I am attaching the Maryland DNR Boating regulations to this posting. Looking forward to a wonderful summer at Deep Creek.

Please check out my web site at www.DeepCreekLakeProperty.com

2009 Deep Creek Lake

Boating Fact Sheet

Vessels must be 26 feet or less in length, except pontoon boats, which may be no greater than 30 feet.

Vessels shall not be operated in excess of minimum wake speed within 100 feet of the shoreline, except to begin towing a skier from a pier or shore (vessel must immediately leave the 100 foot area).

Vessels towing a skier must remain 100 feet from all other vessels, shore, bridge, dock, or person in the water. Towlines must be no longer than 75 feet in length. Additionally, an observer at least 12 years of age must be on board the vessel.

Individuals being towed on any device must wear a life jacket. Airborne towable devices are not allowed on the lake at any time.

There must be a USCG approved, wearable life jacket (size/weight classification) for each person on board which is readily accessible.

All children under the age of seven, on a vessel less than 21 feet in length, must WEAR an approved life jacket with a flotation collar and crotch strap while underway.

PERSONAL WATERCRAFT

Personal Watercraft are restricted from use between 11 am and 4 pm on the Saturday, Sunday, and holiday of Memorial Day Weekend, and Saturdays, Sundays, and State holidays from July 1^st through Labor Day.

Personal Watercraft shall not be operated in excess of 6 knots (7.16 mph) within 100 feet of another PWC or vessel, shore, bridge, dock, or person in the water.

Personal Watercraft operators must be at least 16 years of age and possess an approved boating safety certificate.

Personal Watercraft operators and passengers must wear an approved life jacket at all times.

This fact sheet is only a summary of the boating safety laws for Deep Creek Lake.

For more information regarding the State's boating safety requirements, please visit our website at

www.dnr.maryland.gov/boating

or contact the Natural Resources Police at (301) 777-7771.

I would like to introduce you to a spectacular developement and community around Deep Creek Lake.

Thousand Acres at Deep Creek Lake is one of Maryland's most outstanding private residential developments. The 1,120-acre property contains some eight miles of prime lakefront shoreline surrounding gently contoured wooded terrain and spectacular mountaintop views. With the addition of a championship 18-hole golf course Thousand Acres will be one of the region's premier second home and year-round recreational communities.. Located at the southern end of Deep Creek Lake, Thousand Acres is also home to a private sailing club. If "getting away from it all" is what you are looking for, you have found it at Thousand Acres.

You can find additional community information listed on my web site www.DeepCreekLakeProperty.com

I love trying new recipes and I stumbled onto one today and had to try it. It was easy and didn't take long to prepare. I have made a few subtle changes to the original recipe. I served the dish with a salad and it was great. I would appreciate any comments. The basmati rice is a must!

INDIAN CHICKEN CURRY

2 lb. chicken thighs

4 T cooking oil
1 C onions, chopped

1/4 tsp. garlic powder
1/4 t ground cinnamon (a little on the scant side)
1/4 t ground cloves
1/2 t ground ginger
1 t salt
2 T plain yogurt
2 T tomato paste
1 sm. Jar of sliced mushrooms

1/2 t red pepper

Clean and wash the chicken and set aside. In a large, deep pan heat the oil. Add the onions and saute until golden. Add yogurt, tomato paste, garlic powder, cinnamon, cloves, ginger and salt. Let simmer on slow heat for 15 minutes, or until a thick paste has formed. Add chicken pieces and mushrooms. Let cook on medium heat for about 25 to 30 minutes. Just before end of cooking time add ½ t of red pepper (you can add up to 1 t if you like "hot").

Serve with basmati rice. I use 1 C of rice

Serves 4

I am attaching information I recieve routinely from Mary Lou Rohrbaugh. Interest rates still remain historically low and it is a wonderful time to be a buyer. If you, your family or a friend need real estate services, I would appreciate the opportunity to help. You can find listings for Deep Creek Lake, Wisp Resort and Garrett County at www.deepcreekproperty.com

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 fell last week applying upward pressure on mortgage interest rates. The bond market continued to come under pressure from significantly stronger stocks. The DOW shot towards the 8,000 mark despite data releases that showed continued economic weakness. Most worrisome were the many reports that indicated people continue to lose jobs. Consumers find it difficult to spend without a job or with the fear their job may be in peril. The weaker than expected consumer sentiment data provided evidence of that fear. For the week, interest rates on government and conventional loans rose by about 3/8's of a discount point. The bond market closes early Thursday in advance of the market holiday Friday. The shortened trading week may result in mortgage interest rate volatility as traders position themselves ahead of the extended holiday weekend. LOOKING AHEAD Economic Indicator Release Date & Time Consensus Estimate Analysis Consumer Credit Tuesday, April 7, 2:00 pm, et Down $1.5 billion Low importance. A significantly larger than expected increase may lead to lower mortgage interest rates. Trade Data Thursday, April 9, 8:30 am, et $36.5 billion deficit Important. Affects the value of the dollar. A falling deficit may strengthen the dollar and lead to lower rates. Good Friday Holiday Friday, April 10 Important. Shortened trading week may lead to mortgage interest rate volatility. Credit Demand Inflation is typically the most important focus for the mortgage interest rate market. Inflation remains a concern as the Federal Government continues to print and spend money in an effort to spur the economy. Unfortunately, mortgage interest rates also continue to be pushed around by gyrating stocks and weak demand as performance uncertainty looms and the Fed has become the primary buyer of mortgage-backed securities. Most of the recent increases in interest rates have come following stronger stocks. The Fed continues to pump billions of dollars into the market to try to keep mortgage interest rates relatively low and steady. Up until this past week they have done a pretty good job of accomplishing that task. Remember, the Fed is not the only player in the game and selling pressure continues. The level of interest rates reflects the balance between the supply of money from investors and the demand for money by borrowers. Rising inflationary expectations and uncertainty about the performance of the debt cause investors to require higher rates of return on investments to compensate for the erosion of the principal that eventually is returned to them or the risk of non-performance. Regardless of inflation levels, though, rising economic activity can increase the demand for investors' funds, and thereby lead to higher interest rates. Investors pulling money out of bonds and into stocks have recently pressured mortgage rates. The demand for money diminishes as the economy struggles. The Fed lowers interest rates as an incentive to businesses and consumers to increase their borrowings. The Fed hopes manufacturers will increase their investments in plants, equipment and inventories and that consumers will push housing construction along with consumer spending and with that, consumer debt. Analysts will monitor this week's consumer credit levels. There is much debate in the financial community about the future. Economists, market analysts, and traders all seem to have a different opinion about the future state of the economy and especially whether or not we have hit the bottom of the economic slide. One thing most market participants agree on is both the bond and stock markets are going to see additional volatility. Now is a great time to take advantage of rates at the still historically favorable levels. To unsubscribe, please hit "reply" and include unsubscribe in the subject line. 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-April 6th, 2009

Each year at Deep Creek Lake on the first weekend in June a wonderful event occurs - McHenry Highland Festival - A weekend festival of Celtic dancing, music, games and a golf tournament.

To me the most exciting part are the concerts by the amazing Scottish Fiddler, Bonnie Rideout. I will have more information in future blogs, but mark you calendar for the June 5th weekend. Additional information is available at www.highlandfest.info

And while you are at Deep Creek Lake, check out our web site for real estate information. www.deepcreekproperty.com