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Open House! 992 Side Saddle Tr., Lusby MD 20657 Sat July 24, 2010

Open House! 992 Side Saddle Tr., Lusby MD 20657

Sat July 24, 2010  12-4pm

Must see this quaint rambler in Chesapeake Ranch Estates. Community amenities include: Amenities:Airport, Campgrounds Clubhouse  Driftwood Beach  Gardens   Horseshoe Club  Lake Lariat    Seahorse Beach  Stables  Shopping Lusby Town Center

For more information view: 992 Side Saddle Tr., Lusby MD 20657

992 Side Saddle Tr., Lusby Md 20657

 

Lusby Town Center - Spring Fling - May 1, 2010

Lusby Town Center

Lusby Town Center - Spring Fling

The Lusby Business Association (LBA) holding Lusby block party on May 1st, 2010!

The LBA is hosting thr first customer-appreciation Spring Fling Block Party on Saturday May 1, 2010 from 1 to 5 p.m. The event will spread across the Lusby Town Center and include activities at four participating shopping centers: Lusby Commons, Lusby Square, Lusby Center and the Shops at Lusby.

Bring the whole family for a fun day in Lusby, Md 20657! Meet your neighbors and business owners! Family-fun activities will include live music, a car and motorcycle show, moon bounces, face painting, basketball games, raffles, free samples, sidewalk sales, and a scavenger hunt. A trolley will be available to transport residents between the shopping centers. Support your local business and charities!

Vendor tables are available for the event, which are free and open to the public. Interested vendors should contact nance@shoplusby.com. For more information on the party or Lusby Business Association, go to or contact president Nance Pretto Simmons at nance@shoplusby.com or 202-409-8844.

Lusby, Maryland

Please feel free to join Lusby, Maryland Facebook Group! Lusby Maryland is a community page designed to showcase events, activities and business in Lusby, Maryland.

Please contribute positive news, events and please feel free to promote your business if it is located in Lusby, Md 20657


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Lusby, Maryland Facebook Group!

Lusby, Maryland FacebookLusby, Maryland Facebook Group!

The Lusby, Maryland Community page was designed to showcase events, activities, communities and business in Lusby, Maryland. Please contribute positive news, events and please feel free to promote your business if it is located in Lusby, Md 20657.

Please feel free to join Lusby, Maryland Facebook Group!

Founded by Brian Mayer Envoy Mortgage and Monique Hailer Century 21 New Millennium
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St. Mary's County Camera Club Wednesday April 28th

St. Mary's County Events! Do you have the love of photography? April 28, 2010 join St. Mary's County Camera Club

 to express your artistic talent!

Via Gabriela Agostinelli (Century 21 New Millennium):

St. Mary's County Camera Club

If you like photography you should know about this great group - St. Mary's County Camera Club

The meeting is a workshop about "Flowers and Garden Photography".

tulips_by Gabriela Agostinelli

flowers_by Gabriela Agostinelli

Location: Southern Maryland Higher Education Center
Date: 4/28/2010
Time: 7 PM
Duration: 02:00

44219 Airport Road
California, MD 20619
(301) 737-2500

Club Information

The St. Mary's County Camera Club had its first meeting on November 2nd, 1998. The purpose of the club is to "...promote photography as a hobby, providing a forum for exchanging knowledge of the subject and inspiring amateur photographers toward improving their art."

       

  

 

Gabriela Agostinelli

CENTURY 21 New Millennium

Cell - 305-797-1171

301-737-3633  office / 301-862-2179 fax

gabriela.agostinelli@c21nm.com

My web pages: http://gabriela.c21nm.com/  http://gabrielaagostinelli.ismyreagent.com/

Twenty-Seven Million People with Mortgages Believe They Owe More than Their Homes Morgage

What is your home worth? A new Harris Poll shows millions are underwater! I think the banks should step in and really help. Reduce the loan amount as well as the interest rate and let them stay!

 

Via Marty Gale (Re/Max Metro ):

According to The Harris Poll

Two-Thirds of All Adults Are Concerned That They Will Not Have Enough Money to Cover All Their Costs and Expenses

A new Harris Poll provides some unpleasant numbers about the housing crisis and the collapse of the house price bubble. Fully 24% of people with mortgages believe they owe more on their mortgages than their homes are worth. One in nine homeowners (11%) with mortgages report having "a great deal of difficulty" in paying off their mortgage. Another 18% are having "some difficulty." This comes at a time when two-thirds of all adults (65%) are concerned that their families' incomes "will not be enough to cover all their costs and expenses this year."

These are some of the results of The Harris Poll of 2,320 adults surveyed online between March 1 and 8, 2010 by Harris Interactive.

Other interesting findings include:

  • Over two-thirds (69%) of adults who are homeowners have a mortgage that they need to pay off.
  • People whose homes are believed to be worth less than the money owed on their mortgages are common across all income groups. Fully 26% of adults with mortgages who have household incomes of $75,000 or more believe their homes are worth less than the balance of their mortgages.
  • Almost a third (29%) of adults with mortgages are having some difficulty (18%) or a great deal of difficulty (11%) paying off their mortgages.
       Among those who believe their homes are worth less than their outstanding mortgages, fully 26% are having a great deal of difficulty and another 23% are having some difficulty paying them off.
  • The two-thirds (65%) of all adults who are concerned about having enough income to cover all their costs and expenses include 26% who are very concerned and 39% who are somewhat concerned.
  • Among those who believe that their homes are worth less than their mortgages, fully 42% are very concerned and another 38% are somewhat concerned about not having enough income to cover their costs
  • Unsurprisingly, income levels make a big difference. Concerns about not having enough income to cover costs and expenses is much higher among people with household incomes below $35,000 (40% are very concerned) than among those with incomes over $75,000 (16% are very concerned).
  • So what?

    These findings underline the very large number of people whose homes are worth less than their outstanding mortgages and the even larger numbers who are worried about covering their costs and expenses generally. If the percentages are converted into numbers, approximately 27 million adults believe they are "under water" – that their houses are worth less than their mortgage debts.

Solomons Island Events - Annemarie Gardens - Garden in Lights

Solomons Island Events! Garden in Lights at Annmarie Gardens

 

Celebrate the Season at Ann Marie Gardens
Annmarie Garden announces an exciting schedule of holiday programs, exhibit, and special events.   At the heart of the festivities is Garden In Lights, Annmarie Garden's delightful holiday walk-through light show. When you pay admission to Annmarie Garden, you gain entry to not only Garden In Lights, but also two extraordinary exhibits, the ornament show and sale, wonderful shopping, holiday entertainment, refreshments, and more.  With a modest admission price and exceptional programs, Annmarie Garden is the perfect destination for the holidays. Holiday programs kick off November 24 and continue through January 2.  For detailed holiday schedule information, scroll down.

New for 2009! Garden in Lights will include golf cart tours, pet night, and special discount nights for the military, public safety workers, and teachers.

Garden In Lights: a glorious walk-through light show
December 4, 2009 - January 2, 2010
6-9pm on scheduled nights, weather permitting
CLOSED December 7, 8, 14, 16, 24 & 25

Scroll down to see the Entertainment Schedule

Garden In Lights is a magical walking tour that takes visitors on a beautiful trip through the woods.  As you stroll along the protected path, you will be transported to a magical place of spectacular lights and amazing "light sculptures." Guests will be surrounded by mythical beasts, wild animals, pirates, illuminated works of art, and fantastical creations, to name but a few.  Because all the "light sculptures" are handmade at Annmarie Garden, the designs are one of a kind.  Nothing in this show is commercially available - it is all made just for visitors to Annmarie Garden. 

Walking tour - The intimacy of a walking tour allows guests to be completely enveloped by the lights, to study and enjoy them at your own pace, and to see the beauty of the lights reflected in the eyes of your loved ones.  It truly is a wondrous experience.  For those guests that crave the warmth of the indoors, much of the light show can be enjoyed from the comfort of the Arts Building, where you will also find a warm drink, exhibits, and great shopping! 

Holiday I Spy- For those groups that include children, pick up a copy of the "Holiday I Spy" game at the admissions desk. 

NEW! Golf Cart Tours - On December 9 & 30, golf cart tours will be available for those guests unable to walk the path.

NEW! Pet Night - On Sunday, December 13, bring your pet to Garden In Lights! Regular admission fees apply, plus $1 per pet. All pets must be on a 6 ft or shorter leash. Pets lacking in manners will be asked to leave. Please note: pets are not allowed on any other nights of Garden In Lights.

NEW! $1 off Nights: our way of saying "thanks" for all you do for us!
Tuesday, December 15- police, sheriff, EMT, & firefighters
Tuesday, December 22- active duty military
Tuesday, December 29 - public school teachers

Reserve a private evening of Garden In Lights - would your business like to reserve Garden In Lights for a private party? The evenings of December 7,8, & 14, or January 3-are available to reserve for a private group. Call 410.326.4640 for learn more.

Entertainment Schedule-From traditional holiday carols, to classical sounds, to rock and folk music, Garden In Lights offers a nice variety of music throughout the three-week event.

Admission - Admission to Annmarie Garden's is $3.00 for adults; $2.00 for seniors; $2.00 for children 5-12; children under 5 and AMG members are free.  Admission includes access to all holiday programming, including Garden In Lights, the exhibits, the ornament show, and all holiday festivities.  In the Arts Building, guests can enjoy warm drinks, festive entertainment and additional activities for children and adults alike.  Annmarie Garden is handicap and stroller accessible; Groups and tour buses should call ahead.

Pet Policy: pets are not allowed in Garden In Lights except during Pet Night, Sunday, December 13, 6-9pm. via Anne Marie Gardens

Helping The Chesapeake Bay! 12 Days of Helping!

Save The Chesapeake BayHelping The Chesapeake Bay! 12 Days of Helping!

The holidays are here and spreading cheer and a helping hand are more plentiful during the month of December. How about giving back to the environment? Here are a few ways to preserve the Chesapeake Bay during all the festivities and get togethers.

 

Give the Gift of Trees. If you live in Maryland, help the Maryland Department of Natural Resources (DNR) reach its goal of having 50,000 native trees plantedaround the state by giving a tree in the name of a loved one. You can order the trees online or through the mail. The recipient will get a certificate notifying them of your gift. Trees are $40 each. If you give 10 trees, you can decide where you would like the grove to be planted. DNR has already registered more than 20,000 trees this year, which will help to reduce erosion and prevent pollution throughout the state.

 

Spread the word Sometimes the best gift you can give someone is knowledge. During the holidays and all throughout the year, inform your friends and family about the issues facing the Chesapeake Bay and the ways they can help it. You don't have to get up on a soapbox and lobby for the cause, but if you can give a party host or hostess a suggestion about how to make their occasion a little more eco-friendly, go for it!

Buy yourself an energy-efficient gift  If you've been holding out on purchasing a new washer or dryer, now might be the time to do it. If you invest in an energy-efficient appliance this time of year, you'll not only find some great sale prices, but you'll also save money in the future. Energy Star-rated appliances can save you significant amounts of money on monthly electric and water bills, and you may be eligible for a tax credit. So go ahead and buy yourself that dream appliance! By conserving energy and water, you'll save quite a bit of green by going green.

Wrap your presents the green way Think about how much wrapping paper, tissue paper and cardboard goes to waste each year around the holidays. After the presents are ripped open, most of the paper goes in the trash. This year, consider traveling down a greener path. Use recycled wrapping paper, or for a more personal touch, make your own creative wrapping paper out of newspaper and magazines. You can also give a gift in a reusable shopping bag and recycle the remnants of a wonderful day of gift-giving on a shopping trip with family and friends!

RecycleRecycle your Christmas tree  When the holiday season is over and you're cleaning up the house, make sure to dispose of your Christmas tree the Bay-friendly way. Instead of throwing it out with the trash, take it to be recycled. Christmas trees can often be chipped into mulch, thus reducing the amount of Christmas trees that end up in landfills. Go to Earth911.orgto find a Christmas tree recyclers near you.

Get "Down and Dirty"
Give a Day for the Bay lets you get "down and dirty" to help clean up and restore valuable habitat.  "Give a Day for the Bay"

Minimize Runoff
Storm water, carrying pollutants from streets and yards, contributes more pollutants to Tampa Bay than any other source, but you can minimize the impact from your yard. Use slow-release fertilizer and spot treat problems on an as-needed basis rather than as a preventive measure. Or, make sure your lawn service doesn't use excessive fertilizer or pesticides.

Take One Step at a Time
Walk, bike, carpool or take the bus to work when you can. Auto emissions increase air and water pollution, plus you'll save mChesapeake Bay  - Save The Bayoney and minimize stress.

Preserve Backyard Habitat
You can protect or create a little bit of backyard habitat without living in a jungle or ripping up your entire lawn.

Pay It ForwardShare your love of the outdoors and respect for nature by taking a child fishing, hiking, fossil hunting, canoeing or birdwatching.

 

 

 

Gift of Membership   A gift that lasts from CBF a gift of membership, a gift of a tree or a gift in honor or memory. Through December, your gift is worth twice as much! The Chesapeake Bay - Board of Trustees will match all online gifts dollar-for-dollar.

Become a BayRaiser! Create your own web page to raise funds for the Chesapeake Bay Foundation.

 

Southern Maryland Waterfront and Real Estate Services! Feel Free to subscribe to my blog to keep up to date with my latest posts about Southern Maryland Waterfront Properties and Real Estate for sale: Calvert County, St. Mary's County & Charles County Real Estate. Keep up to date on Community information & local events.

Websites:  Southern Maryland Real Estate   Southern Maryland Waterfront

Buying Southern MD Homes?  Click on "VIP Buyer's Program"

Selling Southern Maryland Homes?  Click on "Free Market Analysis

Real Estate blogs001_13

Solomons Island Events! Hell's Kitchen Robert Hesse is new Chef at Catamaran's

Solomons Island Events! Hell's Kitchen Robert Hesse is new Chef at Catamaran's

Solomons Island EventsCelebrity Chef  from Hell's Kitchen at Catamaran's

Robert Hesse, celebrity chef from the TV show "Hell's Kitchen," will be the new chef at Catamaran's Restaurant on Solomons Island.  

Catamaran's has been basically a nightlife spot in Solomons, Md for many years and was not know for it's food.

Robert Hesse transformed the restaurant and opened this Sat., Dec 5, 2009. Hesse's transformation was to provide homemade dishes with a quality products. Hesse wants Catamarans to be a restaurant first and a bar second.  to find out more details and information please read "

 

Celebrity chef brings ideas, focus on food to Catamaran's

 

 

BY CAROL HARVAT

Southern Maryland Waterfront and Real Estate Services! Feel Free to subscribe to my blog to keep up to date with my latest posts about Southern Maryland Waterfront Properties and Real Estate for sale: Calvert County, St. Mary's County & Charles County Real Estate. Keep up to date on Community information & local events.

Websites:  Southern Maryland Real Estate   Southern Maryland Waterfront

Buying Southern MD Homes?  Click on "VIP Buyer's Program"

Selling Southern Maryland Homes?  Click on "Free Market Analysis

Real Estate blogs001_13

 

 

Southern Maryland Real Estate - The Home Buyer Tax Credit.........Explained

Southern Maryland Morgages 

Southern Maryland Real Estate presentsSteve  Combs

Free Webinars: The Home Buyer Tax Credit.........Explained by

 Steve Combs -  1st County Mortgage

 Steve Combs
Regional Vice President
301-583-5140 office
301-672-8771 mobile
301-583-5141 fax
View My Profile
  email me!

Free Webinars: The Home Buyer Tax Credit.........Explained

Join us in a 30 minute live presentation on the extension of the $8,000 tax credit for first time home buyers and the revisions that enables more buyers (not just first timers!) to qualify.

Discussion topics include:
Why NOW is a good time to buy
Tax Incentives
Income Eligibility
Transaction Eligibility
Home Energy Credits
Higher Loan Limits
Recapture Provisions
Which forms are needed
and of course, ...How to Get started!

Live Q&A is available at the end of the presentation.

Register for a session now by clicking a date below:

Tue, Dec 8, 2009 7:00 PM - 7:30 PM EST

Tue, Dec 22, 2009 7:00 PM - 7:30 PM EST

Tue, Jan 5, 2010 7:00 PM - 7:30 PM EST

Tue, Jan 19, 2010 7:00 PM - 7:30 PM EST

*Once registered you will receive an email confirming your registration with information you need to join the Webinar.

Southern Maryland buyers please sign up for free Seminars/Webinars on how to buy your first home in Southern Maryland and find out all the information you need to know about the tax credit! .Please feel free to search my website to search for homes in Southern Maryland! Southern Maryland Real Estate.

outhern Maryland Real Estate - Free Webinars: How to improve your credit score

Southern Maryland Morgages 

Southern Maryland Real Estate presentsSteve  Combs

Free Webinars: How to Improve Your Credit Score 

by Steve Combs -  1st County Mortgage

 Steve Combs
Regional Vice President
301-583-5140 office
301-672-8771 mobile
301-583-5141 fax
View My Profile
email  email me!

How to Improve Your Credit Score

Over 82 million American's live with poor credit scores.  According to the Government Accountability Office, many consumers are aware of the basics of credit scores, but they are not aware of the simple factors that can lead to a high or low score.

This is a serious problem for individuals who are in the market for a large purchase such as a new home, car or boat. For example, they don't know that just a 50 point increase in their credit score could save them hundreds of thousands of dollars over the life time of a 30 year fixed rate mortgage.  But, you don't need poor credit to need this workshop!

In this FREE, online, 45-minute presentation plus Q&A, Steve Combs of First County Mortgage, LLC will answer all your questions regarding credit improvement and optimization and provide specific strategies to give you the edge.

Register for a session now by clicking a date below:

Thu, Dec 17, 2009 7:00 PM - 8:00 PM EST

Thu, Jan 7, 2010 7:00 PM - 8:00 PM EST

Thu, Jan 21, 2010 7:00 PM - 8:00 PM EST

*Once registered you will receive an email confirming your registration with information you need to join the Webinar.

Southern Maryland buyers please sign up for free Seminars/Webinars on how to buy your first home in Southern Maryland and improve your credit score. Please feel free to search my website to search for homes in Southern Maryland! Southern Maryland Real Estate.

Southern Maryland Waterfront and Real Estate Services! Feel Free to subscribe to my blog to keep up to date with my latest posts about Southern Maryland Waterfront Properties and Real Estate for sale: Calvert County, St. Mary's County & Charles County Real Estate. Keep up to date on Community information & local events.

Websites:  Southern Maryland Real Estate   Southern Maryland Waterfront

Buying Southern MD Homes?  Click on "VIP Buyer's Program"

Selling Southern Maryland Homes?  Click on "Free Market Analysis

Real Estate blogs001_13

 

Tis the season...

Southern Maryland Waterfront and Real Estate Services! Feel Free to subscribe to my blog to keep up to date with my latest posts about Southern Maryland Waterfront Properties and Real Estate for sale: Calvert County, St. Mary's County & Charles County Real Estate. Keep up to date on Community information & local events.

Websites:  Southern Maryland Real Estate   Southern Maryland Waterfront

Buying Southern MD Homes?  Click on "VIP Buyer's Program"

Selling Southern Maryland Homes?  Click on "Free Market Analysis

St. Georges Creek Waterfront in Piney Point, Md

Piney Point, MD - St Georges Creek Waterfront $399,000

100,000 Price Reduction!! Potential Short Sale!! Spectacular waterfront duplex on St. Georges Creek with incredible views of both St. Georges Creek and The Potomac River. Spacious open floor plan with a first floor master suite with super bath. Inviting screened porch on St. Georges Creek and second story decks from upstairs bedroom. Awesome views from every room! Purchase includes deeded boat slip and the community pier in the community of St. Georges pier. If you would like to preview this gorgous waterfront please fee free to give me a call: (443)532.5407 or Search my website for additional waterfront property in St. Mary's County or Piney Point, Md. St. Mary's Waterfront Piney Point Waterfront

PINEY POINT, MD - St Georges CreekPiney Point Waterfront

Piney Point Waterfront Piney Point Waterfront

Waterfront Short Sale Waterfront Short Sale

Waterfront Short Sale Piney Point Waterfront

St. Georges Creek waterfront St. Georges Creek waterfront

St. Georges Creek waterfrontSt. Georges Creek waterfront

Piney Point Waterfront Homes Solomons, Md Monique Hailer

Southern Maryland Waterfront and Real Estate Services! Feel Free to subscribe to my blog to keep up to date with my latest posts about Southern Maryland Waterfront Properties and Real Estate for sale: Calvert County, St. Mary's County & Charles County Real Estate. Keep up to date on Community information & local events.

Websites:  Southern Maryland Real Estate   Southern Maryland Waterfront

Buying Southern MD Homes?  Click on "VIP Buyer's Program"

Selling Southern Maryland Homes?  Click on "Free Market Analysis

Southern Maryland Real Estate News! Winter 2009

Southern Maryland Real Estate

Southern Maryland Real Estate  

 

 

Southern Maryland Real Estate News! Winter 2009! It is almost certain we will look back on this economic cycle as the catalyst for the most significant transfer of wealth in our lifetime. Our retirement accounts have probably lost much of their value. Home values are certainly not what they were. Each of us has a friend or neighbor that has lost a job. Deficit spending has taken on a very brisk pace and is likely to accelerate.

There is no question we will see equity and real estate values surpass their previous highs...it's just a matter of time...perhaps a long time. In the short term, what goes up and what goes down will be influenced by spending initiatives as much as by fundamentals. Government stimulus programs will guard against systemic failure, but eventually, we will return to an economy where markets determine value.

Today's challenges are also opportunities. Everything is on sale. If we stay positive, understand the facts, plan thoroughly and execute with resolve, we will survive and prosper.

Southern Maryland Real Estate

 

 

 

Many believe there will not be sustainable recovery until such time as residential home values stabilize and the value of collateral for existing mortgage loans is restored. The "Troubled Assets Recovery Program" (TARP) was originally presented as a plan to purchase "toxic assets" (non performing residential mortgages) to clean up a bank's balance sheet and thus restore liquidity. Mortgages acquired with TARP funds would then be evaluated for "loan modification" with the goal of keeping the homeowner in the property rather than foreclosing and adding to already excessive inventory. Instead, the taxpayer funded program provided capital to failing banks without acquiring the problem loans. Loan modification activity is minimal and foreclosure rates are accelerating. W hile helping select financial institutions, the "toxic assets" remain toxic and will need to be resolved before sustainable recovery can occur.

What started as a "sub-prime" crisis is now impacting every family's balance sheet and causing some to choose alternatives which were not even remote possibilities a few years ago. 

We, as real estate professionals, encounter situations on a daily basis where a family has no choice but to sell and owe more than market value. These families are not speculators that made a bad bet with an exotic loan product. Rather, these are families that pay their bills, encounter some life altering event, and simply don't have the means to wait out this cycle.

 

When these owner occupied properties become a "short sale" or foreclosure, a lender is now the decision maker and selling from a distressed position. The institutional sellers adopt a pricing strategy designed to sell the asset quickly rather than incur additional carrying costs. In markets where the majority of inventory is bank owned, properties are now offered below reconstruction cost. Even solvent owners are losing motivation to continue making payments on an asset whose value has diminished so significantly. The stigma associated with losing, or just walking away from a home, has diminished as well.

Recovery could be speeded by incentive, or penalty, to lenders which will make foreclosure a secondary rather than primary alternative. Loan modification is a complicated proposition but is the means which will keep responsible people in their homes and inventory off the market. One of the more compelling recent considerations is empowering bankruptcy courts to modify mortgage loans; lower principal balances, extend repayment terms, lower interest rates. Some feel it would level the playing field for homeowners and might motivate lenders to work with families rather than risk being bound by what the court might decide.

Southern Maryland Real Estate

 

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