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Pullout Real estate guide lets you make important choices

April

2018 April 2018

9 Take a look as three take-aways from Facebook fiasco

7 Colonial Forge girls lacrosse starting to mesh

VOL. 30 | NUM. 8

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APRIL 27, 2018

Stafford tax rate is higher

MARINES TAKE TO RUGBY

tafford County’s Board of Supervisors elected to set the real estate tax rate at $0.99 at the April 24 meeting, generating a revenue increase of approximately $4 million, according to a county release. Before this meeting, supervisors did vote to advertise the real estate tax rate at $0.99, which was above the county administrator’s proposed budget tax rate of $0.965. Moving forward with the adopted tax rate, the board plans to hold two additional budget work sessions. The first scheduled for Tuesday, May 1, at the 3 p.m. to will take into account the various revenue options available for the fiscal 2019 budget. Supervisors will consider the final budget during their second work session at 2 p.m. May 2. The fiscal 2019 budget takes effect July 1. The board also adopted a rate of $0.082 for the Garrisonville Road Service District and approved an equalized rate of $0.368 for the Hidden Lake Service District. The final step in the budget process is for supervisors to consider the Capital Improvement Program with a vote at the regular meeting June 5. The CIP is a proposed schedule for the expenditure of funds to acquire or construct improvements over the next 10 years. This year the supervisors participated in a joint CIP process with the school board to collaboratively identify the needs of the growing county. More budget information is at at www.staffordcountyva.gov/budget.

Local rugby teams like the Quantico Hooligans and the Prince William Owls competed against Washington, D.C., and Maryland players at a match April 21 at American Legion Post 28 on Joplin Road. The filed at the post is the home of the Owls, who formed in 2012. FOR MORE, VISIT INSIDENOVA.COM

County hosts students for Government Day

eniors from Stafford County’s five high schools came to the county seat this week to get a glimpse of local government, even participating in a mock board of supervisors meeting. The students were there for Student Government Day, an annual event that let students shadow county employees and meet with local leaders, according to a news release. “It’s always a pleasure to hold these events for students. Our schools have a diverse population of students with different talents and abilities,” said Chairman of the Board of Supervisors Meg Bohmke, Falmouth District. “We hope that

this experience with local government will be just the start of a lifetime of engagement in the community for these students.” Students choose the departments in which they are interested and observed an employee from that department for the day. Students were also selected to serve as members of the board of supervisors, the county administrator, the deputy county administrator and the county attorney. Students then conducted a mock board meeting, undertaking a fictional issue affecting the community. This event is part of Stafford’s effort in honoring Local Government in Education Week, celebrated the

first week in April by the Virginia General Assembly. “It is important that students understand the legislative and executive process in local government,” said Supervisor Tom Coen, George Washington District, a Colonial Forge teacher who created Student Government Day 18 years ago. “As an educator, I wanted students to know that local government is accessible and that they can play a part in it.” Student Government Day is just one effort by county government to reach out to students to familiarize them with local government. GOVERNMENT » PAGE 2

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Stafford hosts third-grade tours every year in the Government Center, where staff and volunteers teach students about the types of work performed by the county as well as some of the diverse history of the county. Stafford also sponsors the Youth Engaged in Stafford program that gives high school students the opportunity to participate in one of the boards, authorities, committees and commissions appointed by the Board of Supervisors. The program has 13 participants this year and is accepting applicants in the fall. For more, visit www.staffordcountyva. gov/yesprogram.

Stafford County man charged with trying to stop school bus while getting high A Stafford County man who ran into traffic and tried to stop a school bus while inhaling an aerosol product was arrested April 20, according to Stafford County Sheriff ’s Office spokesperson Amanda Vicinanzo. Micah Jamar Kynard, 21, was wearing a blue shirt and pajama pants when Deputy Dominic Torrice arrived in the area of Greenspring Drive and Barksdale Place. Kynard refused to remove his hands from his pockets, prompting the deputy to command the suspect at gunpoint to get on the ground, Vicinanzo said.

The deputy saw white, dry saalerted to the can, indicating that it had been recently handled. liva at the corners of the suspect’s In the meantime, Kynard mouth and the suspect made began to shake violently in the several incoherent statements. car, which deputies noted is A witness told deputies that Kyconsistent with someone who nard tried to stop a school bus and has inhaled noxious chemicals. a school bus driver said that Kynard Kynard was incarcerated at ran in front of the bus and tried to Rappahannock Regional Jail stop it. He was seen inhaling the and charged with public incontents of an aerosol can and then throwing the canister into a ditch. MICAH JAMAR KYNARD toxication, disorderly conduct, Deputies found an aerosol container of inhalation of drugs and pedestrian inter“Ultra Duster” in the area. Police dog Steel ference with traffic.

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STUDENTS START NEW LEO CLUB Stafford Middle School recently adopted a new civic club for middle and high school students, to meet Mondays. The Leo Club, sponsored by the Lions Club, is led by faculty advisor Blair Hillegass. Officers of the new club are Emmanuel Yibass, president; Hadi Shaikh, vice president; Nakaiya Samuel, secretary; and Elijah Enin, treasurer. Lions Clubs sponsor approximately 5,800 Leo Clubs in 140 countries. While helping others in their community, Leos develop leadership skills and experience teamwork in action. For more, visit lionsclubs.org.

WALKERS TO UNITE FOR MENTAL HEALTH Mental Health America of Fredericksburg will hold its 11th-annual Walk for Mental Wellness on May 5 in downtown Fredericksburg. The walk will be held at a new location, Maury Park, at the corner of William Street and Kenmore Avenue. The three-mile walk is a family and canine-friendly event that will also feature raffles, a silent auction, live music, games and children’s activities. Check-in and day-of registration begins at 9 a.m. rain or shine. For more information, visit mhafred. org/walk.

VDOT invites you to comment on the plans for a break in limited access along Centreport Parkway in Stafford County. limited access Centreport Parkway in Stafford County. Find about thealong proposed Theout break is being requestedturn by lane GAMimprovements Stafford, LLC.on Route 1 The break is being by GAM Stafford, LLC. at Potomac Creek Driverequested in Stafford County. TheThe proposed break isislocated along the south southside sideofof proposed break located along the Review the Parkway project between information and95 the draft 627 National Centreport andRoute Route Centreport Parkway betweenInterstate Interstate 95 and 627 Environmental Policy Act break (NEPA) provide documentnewataccess VDOT’s Quality Dentistry with a Gentle Caring Touch (Mountain View Road). (Mountain View Road).The The break will will provide aanew access Fredericksburg District Office located at 87 Deacon Road, pointpoint to atoproposed a proposedprivate privatedevelopment. development. Fredericksburg, VA 22405, 540-899-4288 or TDD/TTY 711. You OUR SERVICES can also review the project information atregarding VDOT’sthis Fredericksburg Citizens may submit this Citizens may submitwritten writtencomments comments regarding Residency Office located at 86 Deacon Fredericksburg, General Dentistry: Cosmetic Dentistry A Fast, proposed break to Mr. Beale, P.E., Assistant Resident proposed break to Mr.David David Beale, P.E., Road, Assistant Resident Easy and •Crowns •Implants Virginia 540-899-4300. Engineer David.Beale@VDOT.Virginia.gov Deacon Engineer David.Beale@VDOT.Virginia.gov oror 8686Deacon Relaxed •Dental Sealants •Teeth Whitening Experience Road, Fredericksburg, COBFriday, Friday, Road, Fredericksburg,VA VA22405 22405 until until COB •Dentures &Bridges •Bonding at My If your concerns cannot be satisfied, VDOT isbreak willing to be hold a MayMay 11, 2018. The plans can 11, 2018. The plansfor forthe the proposed proposed break can be Dental •Fillings&Restorations •Lumineers public hearing. You may requestBefore that a your publicvisit, hearing becall held by Practice viewed at the above please •Oral Hygiene •Veneers viewed at the aboveaddress. address. Before your visit, please call sending a written request to Mr. Nate Huber, Project Manager, •Root Canal Therapy Pediatric Dentistry: 540-899-4300 to to ensure personnelare are 540-899-4300 ensurethe theappropriate appropriate personnel Dr. Gollapalli, DDS Virginia Department of Transportation, 87 Deacon Road, •GumDisease in Adults •Thumb Sucking available to answer your available to answer yourquestions. questions. •Instant X-ra ys •Occlusal Night •Sealants Fredericksburg, VA 22405 on or prior to •Emergencies Welcome &Sports Guards •Tooth Eruption •Free Hygiene Instructions April 2018. If a request for a publicBoard hearing received, notice The10, Commonwealth Transportation willis consider The Commonwealth Transportation Board will consider thethe •Fluoride Treatment •Childhood Tooth Decay ofproposed date, time,limited and place of the hearing will be posted. •Friendly Staff proposed limited access break at aa future future meeting. access break at meeting. •GumDisease

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NEW PATIENTS 106 36 CFR Part 800, information concerning the potential Whitening all programs and activities accordance with VIVI and all and programs and activities ininaccordance withTitle Title and with Major Initial effects of the proposed improvements onIfIfproperties listed VII of the Civil Rights Actof of 1964. 1964. you exam TitleTitle VII of the Civil Rights Act youneed needmore more in or Procedures and Emergencies eligible for listing in the National Register of Historic Places are information or specialassistance assistance for for persons x-rays information or special personswith withdisabilities disabilities Welcome included in the National Environmental Policy Act documentation. or limited English proficiency,contact contact VDOT or limited English proficiency, VDOTproject projectmanager manager Hours: Monday–Friday 8 a.m.–5 p.m. David Beale, P.E. (540)899-4300 899-4300 or David Beale, P.E. atatoror(540) orTDD/TTY TDD/TTY711. 711. 2777 Jefferson Davis Hwy, Unit#115, Stafford, VA 22554 VDOT ensures nondiscrimination and equal employment in all (Aquia Park, right across from Minnieland Day Care) programs and activities in accordance with Title4/27 VI and Title VII of & 5/4/18 540-602-7768 • Fax 540-602-7869 • staffordgentledental.com the Civil Rights Act of 1964. If you need more information or special assistance for persons with disabilities or limited English proficiency, contact the Project Manager at the telephone numberNEWS | EDUCATION | BUSINESS | OPINION | SPORTS | LIFESTYLE | CLASSIFIED 2 APRIL APRIL27, 27, 2018 2018 || INSIDENOVA.COM INSIDENOVA.COM listed above or TDD/TTY 711.

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University of Mary Washington increases tuition, fees The University of Mary Washington Board of Visitors unanimously approved an increase in tuition and fees at its meeting April 19, according to a news release. Full-time Virginia residents living on campus will pay $23,384 per academic year, including tuition, fees, room and board. Similarly, full-time, out-of-state students living on campus will pay $39,318. These increases were thoroughly deliberated as an appropriate means to signal Mary Washington’s strength among higher education institutions, according to Marty Morrison of the university. Tuition and related fees for Virginia residents will increase by $526 per academic

year, or 4.3 percent. For full-time out-ofstate students, tuition and fees will rise by 4.4 percent or $1,214 per academic year. Charges for housing and dining were set in November 2017. These charges will increase by $514 per academic year for the typical student living on-campus, or 5 percent for both Virginia and out-of-state students. The increases will address top strategic priorities, as well as help offset operating cost increases and state mandates, according to Lynne Richardson, vice president for administration and finance. Priorities include enhancements to a number of student-based programs

and services, including the Career and Professional Development Center, accessibility and assistive services, and critical technology needs. The university continues to assess ways to offer greater aid to all students, particularly those who are economically disadvantaged. In addition, UMW is committed to building a more diverse student body as a reflection of its duty as a public institution. Rector Fred Rankin said the action demonstrates the Board’s support of UMW and its commitment to excellence as a premiere liberal arts and sciences institution. “Few tasks are more challenging than setting tuition rates each year,” Rankin

Stafford County students on the move Nathan Camden received a Bachelor of Science degree in exercise science, was among the 1,265 students who recently received 1,171 bachelor’s degrees from Salisbury University, in Maryland. Hanna M. Bruno, whose major is prebusiness, was named to the dean’s list at Clemson University for the fall 2017 semester. To be named to the dean’s list, she achieved a grade-point average between 3.50 and 3.99 on a 4.0 scale. Haley Carr, who is in the biomedical sciences program, and Faith Falco, who is in the pre-baccalaureate engineering

program, made the Dean’s List for the fall semester Rochester Institute of Technology. Students are eligible for dean’s list if their term GPA is greater than or equal to 3.4 and completed at least 12 credit hours. Madison Elizabeth Bunderson has been named to the Dean’s List at the University of the South for the fall 2017 term. Bunderson is the daughter of Lori and Neil T. Bunderson. To be on the dean’s list, a student must earn a minimum grade point average of 3.625 on a 4.0 scale. Dana Hales received her Master of Science in Nursing - Leadership and Man-

agement (RN to MSN) degree, and Kelly Hinzman received her Master of Science in Nursing - Nursing Informatics (BSN to MSN) degree, from the online, nonprofit Western Governors University. Brooke Anne Monssen has been named to the Dean’s List at Charleston Southern University for the fall 2017 semester. Monssen is a sophomore majoring in Christian Studies. Students named to the dean’s list have earned a 3.5 GPA or better and earned 12 or more credit hours for the semester. University of Kansas students Amari

said. “The Board of Visitors takes its fiduciary responsibilities seriously. We hold lengthy deliberations, study rates at peer institutions and solicit input from students who are impacted by the tuition rates. Our work is a balancing act of trying to minimize the impact on family budgets while maximizing the opportunities of a highquality educational experience.” The university has a total enrollment of nearly 5,000 students and features colleges of business, education, and arts and sciences. It has three campuses, including a residential campus in Fredericksburg, a second campus in Stafford County and a third in Dahlgren. V. Hopkins, who is studying in the College of Liberal Arts & Sciences, and Emily C. Wolf, who is studying in the School of Business, have been named ot the school’s honor roll for the fall 2017 semester. James Madison University biology majors Audrey Mowry and Tyler Youtzy spent spring break serving others through the university’s Alternative Spring Break Program. Both traveled to New Orleans to volunteer with Project Lazarus. Abigail DeFeo, a nursing major, spent spring break serving others through James Madison University’s Alternative Spring Break Program. She traveled to Nashville to volunteer with Nashville non-profits.

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The Strange Case of Rebecca Whitford included: “Comparing, adding and subIn my class at Virginia Commontracting fractions, using fraction models, wealth University, I have earned the ocmoney word problems, count the money, casional moniker of “pay attention, this subtract the price, how much could be on the exam.” change, elapsed time, probability I guess I say that a lot more word problems, lots of graphs.” frequently than I realize. It all That’s a lot in one sentence, goes back to the Navy, I think. and, indeed, its big chunk of We had chiefs who would the third-grade math curteach courses, and if somericulum. thing was likely to be on the What’s more, there isn’t a test, they’d stomp their feet. single reference to a specific I know it’s silly, but it kept us DAVID KERR question. None whatsoever. focused. Yet the school system, when the email However, something close to this, surfaced, said it was a violation of SOL though considered far more serious security. since it involved the state’s Standards of But, to someone who knows the thirdLearning exams, got one of our Stafford teachers, Ms. Rebecca Whitford, in some grade curriculum, it’s a little like telling a college student that Dr. Smith’s class serious hot water. She lost her job and in differential equations will have lots of had her license suspended for a year. This occurred in 2017. However, it never questions and problems about differential equations. smelled right and the issue has been a But the wheels of justice in a bureausimmering one with the Stafford Educacracy turn quickly. Once this infamous tion Association (SEA) and the Virginia Education Association (VEA) ever since. email was found out, there was an investigation and this quarter of a century So much so, that the VEA at their veteran of elementary school education annual convention last month passed a resolution calling for the General Assem- was fired. No consideration for the general bly to pass the “Rebecca Bill.” nature of her email, which is hard to see No, Rebecca Whitford--then a thirdas a violation of security, and certainly grade teacher at Moncure Conway Elemenno consideration of any other penalty for tary--wasn’t warning kids that a question this breach of protocol except firing and about the Federalist Papers might be on dismissal. the exam or that there might be a question For the record, Ms. Whitford reabout maintenance protocols at sea. quested an open hearing before the No, her crime, if you can call it that, school board. It wasn’t granted. She got was a breach of security regarding the a closed hearing instead, with four memcontent of the upcoming third-grade bers voting in favor of her being fired mathematics SOL exam. (with a one-year loss of her license) and These are the achievement tests our three abstaining. Not exactly a robust kids take every year. endorsement of this particular personnel What Rebecca did, as noted in an action. article published in this paper in OctoBut, all it takes is four votes. ber of last year, was send out an email Unfortunately, for Rebecca, the rules, to some of her fellow teachers saying in this case the statute, regarding a that a “little birdie” told her that the test

breach of security regarding the SOL test data offers only one penalty, firing and revocation of the individual’s teaching license. There is no in-between. No middle ground such as counseling and a reprimand. As for the “little birdie” who supposedly gave Ms. Whitford these insights, she never said. It could have been a chat with another teacher about what they thought would be on the exam or maybe just Ms. Whitford’s own expectations about what she considered likely subject areas. Either way, her email, wasn’t exactly a road map to acing the SOL. But Ms. Whitford was still fired and still had her license revoked for a year. However, she has people on her side and the VEA, based on the SEA’s strong support, called for what’s been named the “Rebecca Bill.” It calls for other more, moderate penalties for a breach of SOL security besides firing. This could include a tool which I have used frequently, referred to as a “private reprimand.” Arguably, the school administration could say it had no choice, which is a real stretch. But at least now, if this amendment passes in 2019, they will. In the meantime Ms. Whitford, as soon as she reapplies for her license, has been offered several teaching jobs in other school systems. She’ll probably even get paid more. Which is sad. But what’s worse is that as the result of an overzealous prosecution of this charge, and a lack of any alternatives short of firing, she will have to endure a black mark on her record. As for Stafford, the school division lost a good teacher. David Kerr, a former member of the Stafford County School Board, is an instructor in political science at VCU and can be reached at StaffordNews@insidenova.com.

TO THE EDITOR Political radicalism in modern America During this presidential election we saw a rise in political tensions in the United States. Because of these tensions the seams of American society are being ripped apart. One of the political organizations ripping it apart is the extremely liberal group named Antifa. Antifa, meaning anti-fascist, believe that a hidden majority of white supremacists and neo-Nazis are rising in the United States and running the country into a racist and bigoted state. And so, they employ anything they can to silence opposing speech. In doing so, they completely disregard the protections of the First Amendment. Their actions have been noticed and showcase just how immature and hostile they are. They are responsible for the protest marches during the inauguration of President Trump, the riot at the University of Berkley that destroyed hundreds of dollars’ worth of school property, and the assault and attacks on conservatives on college campuses.

Now we must ask ourselves as Americans is this what we want the future of America to be. Do we want to watch as our Constitution is trampled with no regard? Who should determine when your rights are afforded to you? I end this with this excerpt from the most important document in American history: “We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are life, liberty and the pursuit of happiness.” Zeke Mitchell Battlefield High School junior

Demand that Scott Pruitt resign

Before the EPA, it was likely you had to tell your kids not to swim or fish in rivers or streams. Cities had air pollution was so thick is cities that you couldn’t see skylines. This is what could result from Scott Pruitt’s unmitigated disaster of leadership at the U.S. Environmental Protection Agency. Pruitt’s been rolling back lifesaving regulations like the Clean Power Plan, limits on toxic chemicals,

and fuel efficiency standards. The story doesn’t end there. In addition to undermining our health, Pruitt is being investigating for corruption. He’s spent over $150,000 of taxpayer dollars on luxury travel, exploited the Safe Drinking Water Act to give personal friends extraordinary raises, and secured a sweetheart deal to stay in a luxury D.C. condo co-owned by the wife of an energy lobbyist for $50 per night. Thankfully, we have a strong leaders in Virginia like Don Beyer, Tim Kaine, Don McEachin and Gerry Connolly who have all called for Pruitt to resign as EPA administrator. Virginians know that enough is enough, and we need someone who will champion the EPA’s mission to protect our health and the environment to lead it. Scott Pruitt has never been that person. We need leaders like Sen. Mark Warner to join Sen. Tim Kaine in standing up for the wellbeing of Virginia families by demanding Scott Pruitt resign. Kelsey Crane Manassas

THEME: FAMOUS PETS ACROSS 1. Can become herniated, pl. 6. Jump key 9. Popular last name in East Asia 13. “I love you” or “J’____” 14. International workers’ group 15. Like famous rock-n-roll shoe 16. DNA half 17. Will Ferrell’s Christmas character 18. Item on a cell phone bill 19. *Ed’s title 21. *TV dolphin 23. Coach’s talk 24. Gravy holder 25. Hot tea amount 28. Serengeti antelope 30. Single-celled microorganisms 35. Call status 37. Karate blow 39. Marconi’s wireless telegraphy 40. Opposite of home 41. High fidelity sound systems 43. CISC alternative 44. Edible biblical rain 46. One of deadly sins 47. Ship’s final desti-

nation 48. Like broken promise 50. Bring home the bacon 52. Message in a bottle? 53. Sound of laughter 55. Promise to pay 57. *Michael Jackson’s chimp 61. *Marlon Bundo 64. Be of one mind 65. Author of “The Star-Spangled Banner” 67. Opposite of gregarious one 69. Flash of light 70. Bard’s before 71. *Like Garfield’s lasagna when he’s done 72. Surfer’s stop 73. Past tense of “be” 74. Mouthlike opening

12. ____-do-well 15. Bachelor on “The Bachelorette,” e.g. 20. Historical period 22. Skedaddle 24. Renewable energy source 25. *Sea World’s long-running attraction 26. Des Moines native 27. Yoga class core exercise 29. *Punxsutawney seer 31. Persian backgammon 32. “Bye” to Banderas 33. Popular ‘70s music genre 34. *The Clintons’ cat 36. Unit of force

38. Leaning Tower city 42. Parallel grooves 45. App alternative 49. Driver’s aid 51. Court figures 54. Off kilter 56. German destroyer 57. Tea servings 58. Tangerinegrapefruit hybrid 59. *Gromit of “Wallace and Gromit” 60. “Good” to Sophia Loren 61. Whiskey grain, pl. 62. “He’s Just Not That ____ You” 63. Swarm like bees 66. ____ of Good Feelings 68. Genetic initials

SUDOKU

DOWN 1. Morse T 2. Footnote word 3. Songs for one 4. Like a potato chip 5. The Brady Bunch children, e.g. 6. Wedding cake layer 7. “____ the President’s Men” 8. Very successful 9. Intersection of two arcs 10. Great deal 11. Drop-off spot

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STAFFORD COUNTY BRIEFS MARK LENZI MURAL TO BE DEDICATED A mural honoring Olympic gold medalist Mark Lenzi will be dedicated Saturday, May 5, at noon at the Jeff Rouse Swim and Sports Center, 1600 Mine Road. The mural was designed and created through a partnership with Stafford County Public Schools led by Stafford High School fine arts teacher Linda Arney and a group of students.

STUDENTS TO PARTICIPATE IN ‘DRIVE SMART’ PROGRAM North Stafford High School students will participate in an interac-

tive Drive Smart Virginia program May 2. Students will experience the danger of impaired driving with a tricycle obstacle course that uses goggles to simulate different impairment levels to demonstrate the difficulty of driving under the influence of alcohol and a behind-the-wheel simulator. The event is in its fifth year. Traffic crashes are the leading cause of death for teenagers in the United States. There were 29 teen drivers killed and 5,912 injured in Virginia alone last year. The day-long event will also include a speaker who was injured as a teenage driver.

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NORTH STAFFORD HIGH PLANNING REUNION North Stafford High School alumni plan to have a combined reunion for those who graduated 1982-1987. The event is planned for July 14. For detailed information and to register to attend, go to their Facebook page, North Stafford High School Class of 1983 Alumni. Organizers of this reunion are Jerry Stafford and Rich Egan, according to a news release.

SUMMER FEST PLANNED NEAR MOUNTAIN VIEW Riddick Entertainment announced it is again hosting the Free Summer Festival near Mountain View High School on Aug. 11. For more, visit RiddickEntertainment.com. CENTER TO HOST INDEPENDENT-LIVING EXPO The disAbility Resource Center will host its third-annual independent living expo April 28 from 10 a.m.to 4 p.m. at the Fredericksburg Expo Center. There is no cost to attend. There will be services and technology that help people with disabilities. There will also be a helicopter from Phi Air Medical in the parking lot for individuals to tour. Mini information sessions will be available throughout the expo. Various speakers will be on hand with topics that include special needs trusts and long-term financial planning at 10:15

a.m., traveling with a disability at 11:15 a.m., service dogs at 12:15 p.m., self-advocacy and the American with Disabilities Act at 1:15 p.m. and ABLE moneysaving accounts at 2:30 p.m. For more, call 540-373-2559.

RAII HOLDING SPRING PLANT SALE Rappahannock Adult Activities Inc. is holding its annual plant sale through May 5, with more than 100 varieties of plants available. The plants are grown through RAAI’s horticulture therapy program. The sale boosts RAAI’s day support program for adults with developmental disabilities. The program helps participants learn new skills, develop friendships and explore their community. Plant sale proceeds will provide YMCA memberships, museum passes and swimming passes for participants of RAAI’s day support program. The sale will feature annuals, vegetables, hanging baskets and herbs. Customers can choose from more than 16,000 plants, including 33 varieties of tomatoes and 13 varieties of peppers. Customers can purchase plants at RAAI’s greenhouse, 750 Kings Highway, Stafford. The plants will be for sale Mondays through Saturdays from 10 a.m. to 4 p.m. and Sunday from noon to 4 p.m. For more, call RAAI at 540-373-7643 or visit rappahannockareacsb.org/dayservices.

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ome values have been appreciating more per working hour than local minimum wage pays in about half of the nation’s 50 largest cities, according to a new Zillow analysis. The typical U.S. homeowner is gaining $7.09 of equity in their home every hour they’re at the office, slightly less than the federal minimum wage of $7.25. But homeowners in 24 of the 50 largest U.S. cities are in a much more favorable position, especially those in the booming tech towns of San Jose, San Francisco and Seattle. In San Jose, the typical homeowner is gaining $99.81 of equity in their home every working-hour, but minimum wage in the city is just $13.50. That means the typical home in San Jose is “earning” over seven times local minimum wage. (The average hourly wage in the San Jose metro is $43.71, which is over two times less than local home value appreciation per working-hour. “As home values continue to rise at a rapid clip, many homeowners have earned more in home equity over the past year than they would have by work-

ing a minimum-wage job – and in some areas, more than they’d have earned even if they had a job paying a six-figure annual salary,” said Zillow senior economist Aaron Terrazas. “Particularly for homeowners that have already or are very close to paying off a mortgage, this supplemental ‘income’ – especially if allowed to accumulate over several years – can essentially serve as a kind of second job that pays directly to a homeowner’s bottom line, without nearly as much actual work involved in collecting it.” Home values have been appreciating in San Francisco at a rate more than four times the city’s minimum wage, and in Seattle, which has the highest minimum wage among all cities analyzed at $15 per hour, the typical homeowner is gaining $54.24 of equity per workinghour. Homeowners on the West Coast aren’t the only ones benefiting from a hot housing market. Home values in New York, Las Vegas, Honolulu and Nashville have been appreciating over $6 more per working-hour than the city’s minimum-wage earners make, according to the data.

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Home values appreciating fastest at lower end of price spectrum

wners of starter homes across the country are gaining equity faster than other homeowners because demand for entry-level homes continues to grow faster than supply. The phenomenon – which has become more pronounced over the past few years – underscores the power of home-ownership to build wealth, particularly among the middle class. For its analysis, Zillow divided the U.S. housing stock into equal thirds based on value, and determined the median value of the most and least valuable homes. Over the past year, homes in the most affordable segment of the market, which are often sought after by first-time buyers, gained 8.5 percent in value, compared to a 3.6 percent gain for the most expensive homes. Over the past five years, the difference is even more noticeable: people who own starter homes have seen their equity grow by 44.4 percent, while owners of top-tier homes have gained 26.6 percent. A home is the biggest financial asset and a significant share of net worth for many homeowners. Less-affluent homeowners typically have more of their wealth in their homes than homeowners with a higher net worth. Owners of more

affordable homes are seeing their homes’ value, and therefore their overall wealth, grow rapidly. “When the housing market crashed, owners of the least valuable homes were especially hard hit, and lost more home value than homeowners at the upper end of the market,” said Zillow senior economist Aaron Terrazas. “Since then, though, demand for less expensive, entry-level homes has built steadily, causing prices to grow rapidly. As a result, these homeowners have been able to build wealth at a faster pace than owners of more expensive homes.” Strong home-value appreciation among more affordable homes is beneficial for people who own those homes, but also makes it difficult for buyers trying to enter the market. Inventory among the most affordable homes is extremely limited, making for a highly competitive market going into home-shopping season – there are nearly 18 percent fewer entry-level homes available now than a year ago. Among the largest U.S. housing markets, owners of the least expensive homes in Tampa, Florida are seeing the greatest gains in home equity. Over the past year, VALUES

PAGE 4

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client, providing remodeling ideas and designs, scheduled timelines to limit disruptions of your daily lives, right through to the completion of the project. Our team works incredibly hard to ensure that every client gets the remodel they envisioned. We use the right materials, provide the right crew, determine the right solution, and provide the customer with a seamless experience. Even though we practice old world craftsmanship and values, our innovative thinking leads to organizational efficiency and high-quality services. Our commitment to high standards requires that all employees take responsibility for making sure customers are our top priority. Our experienced contractors are devoted to providing top notch customer service to all of our customers. If you’re ready to start your next home improvement project, give the experts a call at Affordable Roofing & Remodeling!

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VALUES

FROM PAGE 3

these homes have gained 20.4 percent in value. Las Vegas homeowners are close behind. The most affordable homes there have appreciated 19.9 percent from last year. On the flip side, San Francisco, Seattle and San Jose are the only large markets where the most expensive homes are gaining value faster than starter homes. HOME OWNERS SPEND BIG BUCKS TO SELL HOUSES

U.S. homeowners spend $18,342 on average to sell their home, according to Zillow and Thumbtack’s “2018 Hidden Costs of Selling” analysis. But for those in higher-cost markets, such as Northern Virginia, the total could go much higher. “Even in the hottest housing markets in the country, selling a home takes time and costs money,” says Jeremy Wacksman, Zillow’s chief marketing officer. “From decluttering and staging to pre-inspections, agents and homeowners often spend months behind the scenes prepping a home – well before it’s listed on the market.” Zillow and Thumbtack identified several common, but often overlooked, seller expenses and calculated what they would cost around the country. Since most (61 percent) of today’s sellers have never sold a home before, many of these costs may come as a surprise. Home sellers spend more time getting their home ready to sell than it will spend on the market, with the majority (78 percent) of sellers making at least one home improvement.

Sellers who hire professional help spend $4,985, on average, to cover many basic seller-prep projects like painting, staging, carpet cleaning, lawn care and gardening, and local moving costs. Labor costs can vary significantly by metro. Sellers in San Jose, Calif., pay $6,580 on average, whereas sellers in Dallas pay an average of $3,720 for the same projects. Home sellers are also responsible for agent commissions and transfer or sales taxes, which are two of the largest closing costs. Nationally, sellers spend $13,357 on average for both costs. However, since they are percentages of a home’s sale price, sellers in pricey markets like San Jose pay much more – $74,927 on average for the median priced home, the highest of the metros analyzed. Sellers in Indianapolis pay the least ($8,604), as home values are lower and the state has no transfer tax. Despite low inventory in many parts of the country, sellers still encounter massive pain points. From unexpected costs to determining the right list price, three out of four sellers say it was stressful or challenging to sell their home, according to the 2017 Zillow Group Consumer Housing Trend Report. More than three in four sellers say they made at least one concession during the process, with reducing the list price as the most-cited compromise. “While there could be some initial sticker shock associated with the costs of selling a home, investing in home-improvement projects like painting and home staging often proves to be very valuable in the long-run,” said Lucas Puente, a Thumbtack economist. “Homeowners starting to think about selling should take time to research

and budget for the projects that can ultimately help sell their home faster and at a higher value.” MORTGAGE RATES STARTING TO CLIMB

The years of historically affordable mortgage rates look to be ending, as rates have steadily increased in recent months and show no signs of turning back. Since the beginning of the year, mortgage rates have increased nearly 50 basis points. Historically low mortgage rates have been the silver lining in today’s competitive housing market, keeping monthly payments relatively affordable even as home prices reached new peaks. At the end of 2017, mortgage payments on the typical U.S. home required 15.7 percent of the median income, according to Zillow’s Q4 2017 affordability analysis. In the late 1980s and 1990s, mortgage payments took up 21 percent of the typical income. If mortgage rates reach 6 percent next year, near the upper end of forecasters’ expectations, the share of income needed to cover monthly housing costs on the median U.S. home will be 20.5 percent, nearly the historic norm. Combined with record-high home prices, housing affordability is already suffering in these markets, and will only worsen as rates climb. In several large U.S. markets – including San Jose, Los Angeles and Miami – mortgage payments already take up a significantly larger share of income than they did historically. In San Jose, the share of income needed for mortgage payments increased from 36 percent historically to 46.1 percent at the

end of 2017. An additional side effect of higher mortgage rates will be felt in housing inventory, as some homeowners with lower mortgage rates may hesitate to sell their homes and take out a new home loan with a higher rate. Most home shoppers can absorb modest increases in mortgage rates, but once rates begin to approach their historic levels, they will eat into housing affordability for buyers and could limit the number of homes for sale. Inventory has fallen on an annual basis for 36 consecutive months, so any factors that further limit inventory will be a strain on the market. “For nearly a decade now, home-buyers have been buoyed by historically low mortgage rates that made buying a home more affordable than it was for prior generations, but tomorrow’s buyers may not be so lucky,” said Zillow senior economist Aaron Terrazas. “Rates are showing a clear upward trend, bringing an end to an era of historically affordable mortgage payments.” “Some homeowners who locked in a lower mortgage rate may look to alternatives, like renovating their current home instead of becoming a buyer in a stressful, competitive market,” Terrazas said. Renting doesn’t provide much relief as an alternative to home buying. The typical U.S. rental payment requires 28.9 percent of the median income. In 14 large U.S. metros, rent takes up more than 30 percent of the median income, widely considered the standard for unaffordable housing costs. VALUES

PAGE 9

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FATHOM REALTY

ear Sellers and Buyers: The real estate market is going well and you may be thinking of selling and buying. Now is an excellent time. There are plenty of buyers and there is a lack of good homes. I believe that the next bump in interest rates will open the market to more buyers because they will want to buy before another bump in rates. But, I have one recommendation; be realistic. I know that you want the best REALTOR® you can find. That means a REALTOR® who is honest with you about your home’s value and will work with you on an affordable home purchase. They also must have the ability to put you first and focus on you. Experienced or new, relationships are critical and my agents focus on you. You have many companies to choose from and we invite you to compare. But Fathom Realty is a growing national company with a heart for the community. We not only recognize the people who keep us safe, educate us

and cure our ills, but giving back is important to each of us. Please consider us for your next sale or purchase. Contact us, local offices in Prince William-Fairfax, Warrenton and Fredericksburg. State offices in Richmond, Tidewater and for VT fans, Blacksburg. REALTOR®s, look at www.fathomcareers.com for information on joining our family. We are an agent owned company paying you the commissions that you earned. Stock, medical (July 2018) and technology to help you. We believe in helping you brand yourself, not us. Additionally, with our growth referral opportunities grow quickly. Sincerely, Mark Worrilow

308A Poplar Alley Box 736 Occoquan, VA 22125-0736 (703) 732-7789 fathomrealty.com Licensed Broker/ Instructor in VA703 244 8702

Who is Fathom?

Fathom Realty is located in the historic towns of Occoquan, Warrenton and Fredericksburg, Virginia. It’s a national company that offers real estates services in 19 states – including the Washington, DC, Maryland and Virginia corridor. We’re growing and want to serve you. 308A Poplar Alley Box 736 Occoquan, VA 22125-0736 www.fathomrealty.com Please call us today!

1. 1. Make Make payments payments on on all all existing existing credit accounts, even credit accounts, even if if it’s it’s just just the the minimum. minimum. 2. 2. Continue Continue using using your your existing existing credit credit for for normal normal day day to to day day expenses, expenses, but but strive strive to to avoid avoid large large purchases. purchases. 3. 3. Stay Stay organized: organized: Keep Keep all all of of your your bank bank statements, statements, paystubs, paystubs, tax tax returns returns and and other other financial financial documents in a documents in a safe safe place. place. Your Your lender lender may may require require them them for for periodic periodic updates updates during during the the process. process. Provide Provide all all documents documents up up front front and and keep keep copies. copies. 4. 4. Promptly Promptly provide provide documentation, documentation, sign sign documents, documents, answer answer questions, questions, etc. etc. 5. 5. Be Be flexible flexible and and make make yourself yourself available for your available for your home home inspection inspection and and your your closing closing appointment. appointment. 6. 6. Make Make sure sure to to notify notify your your Loan Loan Officer Officer if: if: •• You You plan plan to to receive receive any any gift gift funds funds for for the the down down payment payment or or closing closing costs. costs. •• You You have have any any financial financial expenditures expenditures coming coming up up during during the the loan loan process process that that will will lower lower your your assets. assets. •• You You have have any any upcoming upcoming employment employment changes, changes, raises, raises, promotions, promotions, change change in in pay pay structure, structure, etc. etc. •• You You are are going going on on vacation vacation or or traveling out of town traveling out of town at at any any time time during during the the process. process.

1. 1. Apply Apply for for any any new new credit, credit, open open any new credit or bank any new credit or bank accounts, accounts, transfer transfer balances balances from from one one account account to to another another or or close close any any open open credit credit or or bank bank accounts. accounts. 2. 2. Make Make any any large large purchases purchases on on your your current credit accounts or increase current credit accounts or increase your your spending spending on on current current credit credit accounts. accounts. 3. 3. Co-sign Co-sign for for anyone anyone else’s else’s home home loan, loan, car car loan loan or or any any other other type type of of debt. debt. 4. 4. Ignore Ignore your your credit credit report. report. Make Make sure you confirm the sure you confirm the validity validity of of all all aspects aspects of of your your credit credit report. report. Reach Reach out out to to your your Loan Loan Officer Officer if if you you feel feel there is incorrect information there is incorrect information or or errors. errors. 5. 5. Make Make hasty hasty decisions. decisions. Ensure Ensure that that you you understand understand how how every every financial financial move move you you make make could could potentially potentially impact your credit impact your credit profile. profile. Your Your Loan Loan Officer Officer is is there there to to help help you. you. 6. 6. Make Make any any type type of of employment employment or or compensation compensation changes changes without without consulting consulting your your loan loan officer. officer. 7. Deposit any cash 7. Deposit any cash into into your your bank bank account without first contacting account without first contacting your your loan loan officer officer to to discuss discuss the the documentation documentation requirements. requirements. Check Check with with your your Loan Loan Officer Officer to ensure they are to ensure they are acceptable. acceptable. Regardless Regardless of of whether whether or or not not you you plan plan to to use use the the funds funds for for closing, closing, a a large large deposit deposit into into your your account account could be a red flag and could be a red flag and add add more more work work to to the the loan loan process. process.

Jeremy Harridath

Fathom is a real estate company you can trust to place your interest first, a company that values honesty and integrity throughout the enire organization.

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Do’s and Don’ts of the Mortgage Process Do Don’t

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OFFICE OFFICE (703) (703) 570-8268 570-8268 CELL CELL (917) (917) 582-9874 582-9874 www.jharridath.gohomeside.com www.jharridath.gohomeside.com Homeside Homeside Financial, Financial, LLC LLC || NMLS NMLS ID ID # # 1124061 1124061 www.nmlsconsumeraccess.org www.nmlsconsumeraccess.org | jharridath@gohomeside.com www.nmlsconsumeraccess.org

The The Best Best Voytek Voytek from from Washington, Washington, VA VA II worked worked with with several several loan loan officers officers in in the the past past but but Jeremy Jeremy is is simply simply the the best! best! He He was was quick quick to to respond to all my questions, looked for my best interest, offered superior customer service, respond to all my questions, looked for my best interest, offered superior customer service, and and most most importantly importantly closed closed my my loan loan fast fast and and with with great great conditions. conditions. II highly highly recommend recommend Jeremy Jeremy as as he he is is aa type type of of person person that that can can make make things things happen! happen! Jeremy Jeremy is is the the GREATEST! GREATEST! =) =) Mary Mary from from West West Gate, Gate, VA VA It It you you want want aa loan loan officer officer who who really really cares cares –– work work with with Jeremy Jeremy and and his his team. team. They They are are all all absolutely absolutely amazing! I specifically worked w/ him and Seth in order to purchase my first home. amazing! I specifically worked w/ him and Seth in order to purchase my first home. And And II must must say say -- they’re they’re aa perfect perfect team! team! They They are are very very knowledgeable, knowledgeable, informative informative and and responsive. responsive. No No matter matter what what time time of of day day itit was was whether whether itit was was early early in in the the morning morning or or even even late late at at night night they they took took the the time time to answer answer all all of of my my questions questions and and address address all all of of my my concerns. concerns. Working Working with with them them was was definitely definitely aa to pleasure and and II will will definitely definitely be be working working with with them them again again in in the the future. future. pleasure

INSIDENOVA.COM | APRIL 2018 | CHOICES

View the nearly 300 REALTORS® who obtained Million Dollar Club and Top Producer production levels for 2017 at www.pwar.com/awards-recognition

to PWAR’s Top REALTORS® & Industry Partners from 2017 Affiliate of the Year – Jennifer McCarthy, Kensington Vanguard Code of Ethics – John Pagan, Pagan & Co. Real Estate LLC Educator of the Year – Markita Woods, Fairway Independent Mortgage Manager of the Year – Rebecca Straley, eXp Realty Rookie of the Year – Nick Letendre, Long & Foster Sales Associate of the Year – David Gray, Fathom Realty REALTOR® of the Year – Merlyn Banks, Banks Property Management & Sales Volunteer of the Year – Bill Burke, Long & Foster

Event sponsors were Atlantic Coast Mortgage, Capitol Staging Services, Champion Title & Settlements, Ekko Title, Freedom Title, George Mason Mortgage, Integrity Home Mortgage Corporation, Kensington Vanguard National Land Services, MBH Settlement Group, McCarthy & Akers PLC, Movement Mortgage of Fairfax, Movement Mortgage of Manassas, Old Republic Home Protection, RGS Title, The Chef’s Table Caterers and Event Planners, The Federal Savings Bank, The Settlement Group, Toll Brothers, United Title & Escrow and Women’s Council of REALTORS® Northern Virginia Metro. 6

CHOICES | APRIL 2018 | INSIDENOVA.COM

KENSINGTON VANGUARD NATIONAL LAND SERVICES Jennifer Epler McCarthy is a title attorney in Virginia for Kensington Vanguard National Land Services. She drafts various legal documents and has conducted thousands of residential and commercial real estate settlements. Jennifer has been actively practicing real estate law for over 12 years, including but not limited to title, land use development, and homeowners association law. She has established an exceptional relationship with the local community, including but not limited to local brokerages, law firms, businesses, public officials, and consumers. She is honored to have been recently awarded as the Prince William Association of Realtors 2017 Affiliate of the Year, which is an award given to recognize and honor one affiliate member of the association for distinguished service to the association, and the general public. Kensington Vanguard National Land Services is one of the largest, independent full-service na-

tional title insurance agencies in the country. It serves as the agent to the nation’s largest and most prestigious insurance underwriters. When you meld together the resources of a top tier title company and a renowned real estate attorney, you are certain to receive the best service available. Whether you are selling, buying or refinancing a home, Jennifer and her veteran staff strive to make the process a stress-free, seamless and joyous experience for all of the parties involved. Jennifer’s broad scope of experience in real estate law gives her a competitive edge over her competition and has proven to be an asset in handling all legal, contract and real estate related questions that arise during the settlement process and at the table. If you have any questions or real estate needs, Jennifer and her highly competent staff are available around the clock to assist you. We look forward to working with you!

Whether purchasing, selling, or refinancing, let our experienced team of licensed real estate professionals help you navigate the complexities of the real estate settlement process to make sure it is the stress-free experience you and your clients deserve. Our staff of seasoned title professionals will work with you, your clients, lenders and all third parties to ensure all requirements are satisfied for closing and there are no unexpected delays. Our attorney, Jennifer McCarthy, will work with you to answer any contract and legal questions that may arise. Our pricing is very competitive and we guarantee that we will never let a deal collapse because of our fees. We look forward to working with you soon.

Selling Residential & Commercial Real Estate since 1985

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EXPERIENCE. KNOWLEDGE. TRADITION. • Over $300,000,000 Sold • Lifetime Top Producer • Seasoned Professional • Community Knowledge • Relocations World-wide Call Ingrid Myers Today 703-606-5009 Ingrid@ingridmyers.com

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INSIDENOVA.COM | APRIL 2018 | CHOICES

FIRST IMPRESSIONS ARE LASTING

M O’Neil Copy

Lynn O'Neill

James Bartolozzi

Cell: 703-217-1172

Cell: 571-276-0140

househunter4life@gmail.com

dmvhousehunter@gmail.com

http://www.househunters4life.com

PWAR Top Producer, Team 2017

ake a lasting first impression • Walls should be clean and free of smudges, fingerprints, and dents. Consider a fresh coat of paint if a good washing doesn’t work. • Use packing boxes to clean up the basement, attic and garage. • The kitchen should always be especially clean with dishes put away. Make sure the garbage is always taken out. A healthy plant works well here. • Be sure clothes are hung neatly and shoes or other objects are tidily arranged. If closets are overcrowded, place season clothes in storage. • Bathrooms should be sparkling clean with no stains or mildew. Repair caulking in tubs and showers. If necessary, replace shower curtain and set out fresh towels. Fix leaky faucets. Clean out medicine cabinet and closets. • Curtains and drapes should be freshly laundered or in good condition. • Shampoo rugs and carpets or replace if necessary. • Repair or remove wallpaper, as necessary. • Floors should be clean or refinished if necessary. • Repair loose doorknobs, sticking doors or windows, and warped kitchen drawers and cabinet doors. • Remove any clutter from children’s rooms, to include top surfaces of all bed room furniture. • Tighten loose stair banisters and be sure steps are free of objects. • Light fixtures sold be cleaned and in good repair. Light blubs should work. Replace discolored or cracked switch and outlet plates.

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Why us? Because YOU matter the most! We all know that Real Estate market changes. The transaction process basically the same. Tension and fear build up in our clients as a normal part of the process, until the deal closes. So, why choosing us? Let’s have past clients answer: • A lot of realtors pride themselves on forming relationships with their clients, you make everyone feel welcome, important and like family. You’re a warm blanket and hot cocoa on a snowy day personified lol. – Cali Espinosa • We loved having you as our realtor, you were very knowledgeable about the market. You’re kind, caring and upbeat. Diligent about your work. You explained every process to us, and if anything came up unexpected you resolved it quickly. – Barbara Mitchell • Claudia is an amazing realtor; she is very conscientious and strives to exceed her client’s expectations- top-rate; she has your back and cares very much to help achieve her client’s’ goals. – Herbert R Zucker • Very engaging upbeat and hardworking realtors. One of the things I like about them is that they are a good listener. – Dennis Baker • When I think of you as an agent: Energetic. Creative. Authentic. Persistent. Determined. Tireless. Gifted. Inspirational. Visionary. Trustworthy. Credible. Skillful. Bilingual. Sharp. Beautiful. – Bob Perry • You don’t make your decisions based on how you will be monetary benefited, you make them based on how you best perform God’s work. You are extremely loyal and amazingly creative. Most of all you have a pure heart. – Gary Roth • Your ambitious and upbeat personality are a powerful tool in the art of persuasion, leading to the successful sale of home. Because the love of Jesus is in your heart, you represent us with the utmost integrity and attention to detail. – Debbie Strang 8

CHOICES | APRIL 2018 | INSIDENOVA.COM

VALUES

FROM PAGE 4

OLDSTERS TO SOON OUTNUMBER CHILDREN

The year 2030 will mark to mark an important demographic turning point in U.S. history, according to the U.S. Census Bureau’s 2017 National Population Projections. By 2030, all Baby Boomers will be older than age 65. This will expand the size of the older population so that 1 in every 5 residents will be retirement age. “The aging of Baby Boomers means that within just a couple decades, older people are projected to outnumber children for the first time in U.S. history,” said Jonathan Vespa, a demographer with the U.S. Census Bureau. “By 2035, there will be 78 million people 65 years and older compared to 76.4 million under the age of 18.” The 2030s are projected to be a transformative decade for the U.S. population. The population is expected to grow at a slower pace, age considerably and become more racially and ethnically diverse. Net international migration is projected to overtake natural increase in 2030 as the primary driver of population growth in the United States, another demographic first for the nation. Although births are projected to be nearly four times larger than the level of net international migration in coming decades, a rising number of deaths will increasingly offset how much births are able to contribute to population growth. Between 2020 and 2050, the number of deaths is projected to rise substantially as the population ages and a significant share of the population, the Baby Boomers, age into older adulthood. As a result, the population will naturally grow very slowly, leaving net international migration to overtake natural increase as the leading cause of population growth, even as projected levels of migration remain relatively constant. Other highlights from the report: • By 2060, the United States is projected to grow by 78 million people, from about 326 million today to 404 million. The population is projected to cross the 400-million threshold in 2058. • In coming years, the rate at which the U.S. population grows is expected to slow down. The population is projected to grow by an average of 2.3 million people per

year until 2030. But that number is expected to decline to an average of 1.8 million per year between 2030 and 2040, and continue falling to 1.5 million per year from 2040 to 2060. • As the population ages, the ratio of older adults to working-age adults, also known as the old-age dependency ratio, is projected to rise. By 2020, there will be about three-and-a-half working-age adults for every retirementage person. By 2060, that ratio will fall to just two-and-ahalf working-age adults for every retirement-age person. • The median age of the U.S. population is expected to grow from age 38 today to age 43 by 2060. • The non-Hispanic white-alone population is projected to shrink over the coming decades, from 199 million in 2020 to 179 million in 2060 – even as the U.S. population continues to grow. Their decline is driven by falling birth rates and a rising number of deaths over time among nonHispanic whites as that population ages. In comparison, the white-alone population, regardless of Hispanic origin, is projected to grow from about 253 million to 275 million over the same period. • The two-or-more-races population is projected to be the fastest growing over the next several decades, followed by single-race Asians and Hispanics of any race. The causes of their growth are different, however. For Hispanics and people who are two or more races, their high growth rates are largely the result of high rates of natural increase, given the relatively young age structures of these populations. For Asians, the driving force behind their growth is high net international migration. • By 2020, less than half of children in the United States are projected to be non-Hispanic white alone (49.8 percent of the projected 73.9 million children under age 18). About 72 percent of children are projected to be white alone, regardless of Hispanic origin. • The share of children who are two or more races is projected to more than double in coming decades, from 5.3 percent today to 11.3 percent in 2060. MILLENNIALS BUYING THIRD OF HOMES SOLD Home purchases by Millennials ticked up over the past year, but inventory constraints and higher housing costs

kept their overall activity subdued and prevented some from leaving the more affordable confines of their Gen X and Baby Boomer parents’ homes. This is according to the National Association of Realtors’ 2018 Home Buyer and Seller Generational Trends study, which evaluates the generational differences of recent home buyers and sellers. The survey additionally found that Millennial buyers prioritize living close to friends and family over a home’s location and proximity to schools, and an overwhelming majority used a real estate agent to buy or sell a home. Slightly more than a third of all home purchases were made by Millennials over the past year (36 percent vs. 34 percent in 2017), which kept them as the most active generation of buyers for the fifth consecutive year. Gen X buyers ranked second (26 percent; 28 percent in 2017), followed by younger (18 percent) and older Baby Boomers (14 percent) and the Silent Generation, those born between 1925 and 1945 (6 percent; 8 percent in 2017). According to Lawrence Yun, NAR’s chief economist, this year’s survey findings reveal both what it takes to be a successful Millennial buyer in today’s housing market, as well as why, even though sales to Millennials reached an all-time survey high, stubbornly low inventory conditions pushed home prices out of reach for many. As a result, the overall share of Millennial buyers remains at an underperforming level. The typical Millennial buyer in the survey had a higher household income ($88,200) than a year ago ($82,000) and purchased the same-sized home (1,800-square-feet) at a more expensive price ($220,000; $205,000 in 2017). Millennials also had higher student-debt balances than in last year’s survey, and slightly more of them said saving for a down payment was the most difficult task in buying a home. “Prices keep rising for the limited number of listings on the market they can afford, which is creating stark competition, speedy price growth and the need to save more in order to buy,” Yun noted.

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WOODCRAFTERS

t Woodcrafters we have hundreds of beautiful pieces for the whole house and workplace, including bedroom, dining room, kitchen, entryway, living room, outdoor and office furniture. We stock real wood furniture only; beds, dressers, nightstands, armoires, chests, vanities, computer tables, printer stands, filing cabinets, desks, chairs, dining room tables, hutch and buffets, pantries, sideboards, counters, islands, cabinets, storage benches, rocking chairs and picnic tables/ benches We ensure that the quality of our furniture will bring you years of beauty and pleasure, as you can choose the finish color and style of many pieces or pick out the perfect set that is already finished, we carry both finished and unfinished real wood furniture. What does this mean? Simply that we do not use particle board or MDF ensuring that the construction of our case goods and hardware is superior

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BOWMAN AUCTIONS REAL ESTATE

THURSDAY MAY 3, 2018 @ 6:00 PM OPEN HOUSE WEDNESDAY APRIL 25, 2018 FROM 4:00pm until 6:00 pm LOCATION: 9320 Brentsville Road, Manassas Virginia, 20112. At Auction: 10.2980 wooded acres with possible timber. Improved by a 1980 circa ranch home with 3 bedrooms, 2 full baths, kitchen /dining room combo with Oak kitchen cabinets, living room, fire place. Full walkout basement, enclosed porch, storage building. This Property will be sold with all contents inside and outside conveying with property. TERMS OF SALE: $ 35,000.00 (Thirty -Five Thousand) Dollar non-refundable deposit due the day of sale. Balance due within 30 days upon delivery of deed. Deposit will be applied at closing. Taxes will be pro-rated as of closing. Property will be sold “AS IS” by the boundaries without warranty expressed or implied.

For more information or appointment to view the property please call Col. Jack Bowman (540) 830-1028 AUCTIONEER: OWNER: Col. Jack Bowman # 185 Janice L. Waterhouse INSIDENOVA.COM | APRIL 2018 | CHOICES

CHOICES | APRIL 2018 | INSIDENOVA.COM

Colonial Forge girls lacrosse starting to mesh » BY DAVID FAWCETT

dfawcett@insidenova.com

After graduating 12 seniors from last year’s 19-1 state semifinalist, Colonial Forge’s girls lacrosse team had holes to fill. But that’s not why first-year head coach Nate Medic kept seven freshmen on varsity. Without them, the Eagles still had a full roster. Medic made the move to develop a talented group of players who already had at least four years of lacrosse experience. In other words, they were ready for the challenge. “They’d get more out of varsity,” Medic said. “We’re excited to have them.” The freshmen have helped the Eagles hit their stride. After hitting a lull with back-to-back losses to Eastern View (1615) and Colgan (20-6), Colonial Forge (5-2 overall record through April 22) has

played two of its best and most complete games with wins over Mountain View (98) and Riverbend (11-8). “When you mix freshmen with seniors, it takes time to buy in,” said Medic who was an assistant for Mountain View’s girls lacrosse team in 2017. Of the seven freshmen, two (Mary Ellen Schuster, Maggie Hatton) start and a third (Annamarie Hanville) sees lots of minutes off the bench. Schuster and junior Kadence Stanton are Colonial Forge’s primary scorers. Senior Jessie Close, who has signed with Northern Michigan, has provided another boost for the team. A returning all-conference starter on defense, Close was moved up to midfield a few games ago. “We weren’t flat out winning draws,” Medic said. “She gives us the best chance to win those loose balls.”

SUBMIT YOUR NEWS TO staffordnews@insidenova.com

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Pearson contributes as William & Mary freshman pitcher DAVID DRIVER » BY FOR INSIDENOVA

It didn’t take Mountain View High graduate Justin Pearson long to realize it was a big jump from high school baseball to the Division I Colonial Athletic Association. And the William & Mary freshman pitcher didn’t even have to face batters from other schools to find that out. He learned that in intrasquad games last fall in Williamsburg. “With fall ball, you have to emphasize location when you are pitching,” Pearson said. “You just can’t let the ball go over the [middle of] the plate. College players will eat that up. I saw that in my first outing in the fall. I was getting hit around a lot. I started to get a feel for the strike zone.” That adjustment has continued this spring for the Stafford resident. “On the field, when you get to college everyone [is] their high school’s best player,” he said. “You are playing against the best player from their high school.” Pearson, in games through Monday, was 0-0 with an ERA of 4.58 in 11 games, with two starts. In 17.2 innings he had allowed 20 hits, but no homers, with 12 strikeouts and six walks. The lefty pitched a season-high three innings in his first game, against VCU in February, then went three innings against ODU on April 10. Pearson did not allow an earned run in either outing.

Mountain View graduate Justin Pearson throws a two-seam and a four-seam fastball, a change up and a slider/curve. His fastball has been clocked in the upper 80s. SUBMITTED

Pearson did not allow a run in one inning against James Madison on April 15 and then pitched two days later against Norfolk State, giving up five hits and four runs in two innings. Pearson throws a two-seam and a fourseam fastball, a change up and a slider/

curve. His fastball has been clocked in the upper 80s. “I have been used in a lot of different ways,” he said. “As pitchers we do a lot of scouting on hitters, with sheets in the dugout with what the pitcher’s plans are for hitters.”

He also played outfield in high school. Pearson played four years of baseball at Mountain View and the team was state runners-up when he was a junior. He ranks third in school history in wins, strikeouts and ERA. Pearson also played club baseball for the Mid-Atlantic Red Sox, and he was a National Honor Society member. His grandfather played college baseball at Jacksonville – the alma mater of Washington Nationals second baseman Daniel Murphy – and his sister, Jordan, plays tennis at Mountain View. This summer he plans to play in a collegiate baseball league in New Hampshire. The only other school that he made an official visit to was Bucknell, located in Lewisburg, Pa., and a member of the Patriot League. “Bucknell was pretty expensive and farther from home. This was my first choice,” he said of William & Mary. “I enjoy it here. Obviously the school is tough at times [academically]. But it will be worth it in the end.” William & Mary may be in danger of missing out on the 2018 CAA tournament, which will be hosted by JMU and begins May 23 in Harrisonburg. The field will include the top six teams from regular-season play, and Delaware PEARSON is the defending chamPAGE 9 pion.

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DATA DUMP | JOHN BARKER

Three takeaways from the Facebook fiasco Three takeaways Editor’s note: Data Dump is a tech col1. Default to “On” privacy—When I umn that appears monthly in InsideNofirst started working in the techVa. The author, John Barker, is the nology field 20 years ago, new COO of Attollo Systems in Culdevices, right out of the box, had peper. He has been a contributing every option turned on. As we writer at the Culpeper Times for became concerned about secumore than a year. rity, the tech companies startDid you know that Facebook ed making a change that engihas approximately 214 milneers had to manually turn on lion user accounts that are just the features that they needed. here in the United States? Not Digital companies, like bad, since the total U.S. popuJOHN BARKER Facebook, need to do the same lation is hovering around 326 thing with our data. The demillion. That could mean that two out of three people reading this have fault privacy modes in your profile are too relaxed. We users should have to a Facebook account. Facebook has been in the news a go in and manually change our sharing lot recently related to the Cambridge options so only the groups we want to Analyitca data leak, including CEO share data with are the only groups that Mark Zuckerberg who testified before get access. 2. Not so quick to click—When is the U.S. Senate. Should you be worried about your pri- the last time you fully read the terms of vacy on Facebook? What can you do to service that popped up on the screen? protect your personal data? I have three Never? Me neither. The next time you takeaways from this “scandal,” but first, are on Facebook and you click that new “free” app, pay attention to what it here is just a quick recap. In 2014, an independent researcher, wants to access. I don’t have extra apps Aleksandr Kogan, was paid by the politi- for Facebook and the primary reason cal consulting firm Cambridge Analytica is that almost all of them want access to gather information on what Facebook to more information than is necessary, users “Like.” Kogan created an app, with including your “friends” list. Pay attengeneral Facebook approval, that was tion to what those apps want access to downloaded by 300,000 Facebook users. before accepting. 3. Pot calling the kettle black— Those users were paid to take surveys, but not only did the app collect data on those Some time ago the government gave 300,000 users, it also tracked their friends internet service providers the ability if their privacy settings allowed it. As a to track and sell our internet browsing result, the reach of this went as high as 87 data, yet members of Congress grilled the Facebook CEO for essentially the million people. Facebook said Kogan violated its same thing. We need consistency in terms of service when he passed along our legislation that protects our privacy the data to Cambridge Analytica and de- and data online. I believe challenges will continue to arise since some of our manded that it be destroyed. It is unclear whether the data was de- elected officials in the highest roles of leted or not. Cambridge Analytica said government are not keeping up with it was deleted, but the New York Times evolving technology, but are tasked investigated and suggested that Cam- with oversight. The long-term ramifications for Facebridge Analytica still had almost all the data. The U.S. government is concerned book are still unknown. There was a that foreign countries can influence our campaign called #DeleteFacebook in elections by using social media as a back the immediate aftermath, but make no mistake, this won’t end with Facebook. I door. That last concern is valid. Digital ad- expect investigations to spread to other vertising works and can sway our buy- tech companies whose primary services ing habits. If it didn’t, you wouldn’t have are “free” to you, the consumer, but use 5 million businesses spending money, your data for hyper-specific advertiseconsistently advertising on Facebook. ments aimed right at you. Remember free isn’t free. It’s not a stretch to think that we can John Barker can be reached at info@ be influenced in other areas of our lives with non-stop advertisements in our insidenova.com. face.

SUBMIT YOUR NEWS TO staﬀordnews@insidenova.com

PEARSON

FROM PAGE 8

Going into this weekend’s action, the conference standings were: Northeastern (9-3), College of Charleston (9-6), UNCWilmington (7-5), Elon (7-5), Delaware (75), Hofstra (7-8), Towson (5-7), JMU (6-9) and last-place William & Mary (3-12). The Tribe was 15-26 overall as this week began and hosts Hofsta this weekend in Williamsburg. But William & Mary has had a strong program in the past and has sent several players to the pro ranks. One of the most recent is Nick Raquet, 22, a minor league pitcher in the Washington Nationals farm system. He

was drafted out of William & Mary in the third round last year and began this season with the Hagerstown (Md.) Suns, a low Single-A member of the South Atlantic League. Raquet grew up in State College, Pa., and began his college career at the University of North Carolina before he transferred to William & Mary. “It is fun to be at the stadium every single day,” Raquet said after a recent game in Hagerstown. “This is the best job in the world, in my opinion.” David Driver can be reached at StaffordNews@insidenova.com.

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Legal Notices TRUSTEE’S SALE OF 881 Kellogg Mill Road Fredericksbrg, VA 22406

In execution of a Deed of Trust in the original principal amount of $85,900.00, dated March 20, 1998, recorded among the land records of the Circuit Court for Stafford County on March 24, 1998, as Instrument Number L R 9 8 0 0 0 4 9 11 , the undersigned appointed Substitute Trustee will offer for sale at public auction, at the main entrance of the courthouse for the Circuit Court of Stafford County, 1300 Courthouse Rd, Stafford, VA on May 10, 2018 at 10:00 AM, the property described in said deed of trust, located at the above address and briefly described as: ALL THAT certain lot or parcel of land lying and being in Rockhill District, Stafford County, Virginia, and lying on the North side of and

adjacent to State Route #651, and containing 0.837 of an acre, as shown by a plat of survey made by Edison L. Sullivan, C.L.S., dated February 12, 1968, which plat is attached to and recorded along with the next hereinafter mentioned Deed. Tax ID: 28 30D.

TERMS OF SALE: ALL CASH. A bidder’s deposit of $8,500.00 or 10% of the sale price, whichever is lower, will be required in the form of a certified or cashier’s check. Cash will not be accepted as a deposit. Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This is a communication from a debt collector. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. (Trustee # 582468)

Substitute Trustee: ALG Trustee, LLC, C/O Orlans PC PO Box 2548, Leesburg, VA 20177, (703) 777-7101, website: http://www. orlans.com. The Vendor Auction. com will be used in conjunction with this sale Towne #: 5000.1182 4/20, 4/27 & 5/4/18 TRUSTEE’S SALE OF 24 Lamplighter Lane Stafford, VA 22554

In execution of a Deed of Trust in the original principal amount of $306,795.00, dated August 22, 2013, recorded among the land records of the Circuit Court for Stafford County on August 23, 2013, as Instrument Number 130020699, the undersigned appointed Substitute Trustee will offer for sale at public auction, at the main entrance of the courthouse for the Circuit Court of Stafford County,

Phone: 703-771-8831 www.insidenova.com

1300 Courthouse Rd, Stafford, VA on June 1, 2018 at 11:30 AM, the property described in said deed of trust, located at the above address and briefly described as: Lot 185, Section Six-B, COLONIAL FORGE, as the same appears duly dedicated, platted and recorded as Instrument Number 120026256 and plat thereof recorded as Plat Number 120000266, and re-recorded as Instrument Number 130000768, and as Plat Number 130000009, among the land records of Stafford County, Virginia. Tax ID: 29J 6B 185.

Trustee may forfeit deposit. Additional terms to be announced at sale. This is a communication from a debt collector. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Trustee # 567182) Substitute Trustee: ALG Trustee, LLC, C/O Orlans PC PO Box 2548, Leesburg, VA 20177, (703) 777-7101, website: http://www. orlans.com Towne #: 000.1105 4/27 & 5/4/18

TERMS OF SALE: ALL CASH. A bidder’s deposit of $12,000.00 or 10% of the sale price, whichever is lower, will be required in the form of a certified or cashier’s check. Cash will not be accepted as a deposit. Settlement within fifteen (15) days of sale, otherwise

TRUSTEE’S SALE OF 207 Whitsons Run Stafford, VA 22554 In execution of a Deed of Trust in the original principal amount of $259,218.00, dated December 4, 2015, recorded among the land records of the Circuit Court for Stafford County on December 8, 2015, as Instrument Number 150021883, the undersigned appointed Substitute Trustee will offer for sale at public auction, at the main entrance of the courthouse for the Circuit Court of Stafford County, 1300 Courthouse Rd, Stafford, VA on May 10, 2018 at 10:00 AM, the property described in said deed of trust, located at the above address and briefly described as: All that certain lot or parcel of land situate, lying and being in Rock Hill Magisterial District, Stafford County, Virginia designated as Lot One Hun-

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BUSINESS/COMMERCIAL LIQUIDATION SALE STORE FIXTURE LIQUIDATION 2 Stores NOW – May 7th Pharmacy, Gondola Shelving, Bulk Racks, Coolers, Freezers, Lockers, Pallet Jacks, Hand Trucks and MORE Details www.RSFNC.com Call Kevin 704-578-2724 FARM EQUIPMENT GOT LAND? Our Hunters will Pay Top $$$ to hunt your land. Call for a FREE info packet & Quote. 1-866-309-1507 www.BaseCampLeasing.com MISCELLANEOUS SAWMILLS from only $4397.00 - MAKE & SAVE MONEY with your own bandmill - Cut lumber any dimension. In stock ready to ship! FREE Info/DVD: www.NorwoodSawmills. com 800 567-0404 Ext.300N SERVICES DIVORCE–Uncontested, $395+$86 court cost. No court appearance. Estimated completion time twenty-one days. Telephone inquiries welcome-no obligation. Hilton Oliver, Attorney. 757-490-0126. Se Habla Español. BBB Member. WANTED TO BUY OR TRADE FREON R12 WANTED: CERTIFED BUYER will PAY CA$H for R12 cylinders or cases of cans. (312) 291-9169; www.refrigerantfinders.com

dred Thirty-Two (132), Section One (1), SHADOW WOODS SUBDIVISION, as shown and set forth on plats thereof made by Taylor Surveys, Inc., C.L.S. and recorded March 6, 1978 in the Clerk’s Office of the Circuit Court of Stafford County, Virginia in Plat Book 7 at pages 273-276, inclusive. Tax ID: 21D1-132. TERMS OF SALE: ALL CASH. A bidder’s deposit of $11,000.00 or 10% of the sale price, whichever is lower, will be required in the form of a certified or cashier’s check. Cash will not be accepted as a deposit . Settlement within fifteen (15) days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This is a communication from a debt collector. This notice is an attempt to collect on a debt and any information obtained will be used for that

purpose. (Trustee # 580146) Substitute Trustee: ALG Trustee, LLC, C/O Orlans PC PO Box 2548, Leesburg, VA 20177, (703) 777-7101, website: http://www. orlans.com The Vendor Auction.com will be used in conjunction with this sale Towne #: 5000.1118 4/20 & 4/27/18

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HANDYMAN

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Joey

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President/Owner Vice President 703-228-9851 571-643-3621

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• HAIR STYLIST • Are you a stylist looking for a place to strut your skills and build your career? If you’ve got a passion for style and an eye for detail, Supercuts is the place for you. So tell us, #RUREADY2 join the best team in town?

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HELP WANTED / SALES EARN $500 A DAY: Lincoln Heritage Life Insurance Wants Insurance Agents * Leads, No Cold Calls * Commissions Paid Daily * Agency Training * Life License Required. Call 1-888-713-6020. HELP WANTED/TRUCK DRIVERS CDL TRAINING FOR LOCAL/OTR DRIVERS! $700-$1200 a week! 4-wks or 10 Weekends for CDL. Veterans in Demand! Richmond/Fredericksburg 877-CDS4CDL; Lynchburg/Roanoke 855-CDS4CDL; Front Royal/Winchester 844-CDS4CDL

INSIDENOVA.COM | APRIL 27, 2018

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No Credit Bad Credit Re-establishing Credit HUGE SAVINGS on 100’s of New Arrivals! 1845 Carl D. Silver Pkwy Fredericksburg, VA 22401 (540) 786-4800

APRIL 27, 2018 | INSIDENOVA.COM

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14270 Smoketown Rd Woodbridge, VA 22192 see store for complete details. offer expires 4/30/18 (703) 492- 5861 Mon- Sat: 10am-9pm Sun: 11am-7pm