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Herndon’s Best Arts and Craft Show Returns With Free Admission and Parking

Find unique handmade gifts, affordable fine art, yummy edibles and holiday decorations at the Herndon Holiday Arts and Crafts Show.

Get your shopping done Sunday, December 2 from 10 a.m.-4 p.m. at the Herndon Community Center. Admission and parking are free! Gift wrapping available and refreshments will be for sale.

This year there will be over 90 juried vendors selling handmade wood products, hand-knotted carpets, birdhouses, pottery, bath soaps, lotions, holiday cards, crocheted clothing and accessories. Plus, there will also be the ever-popular crafters with their custom artwork, paintings, holiday decorations, one-of-a-kind jewelry, stained glass, and much more.

Looking for gifts for the foodie in the family? Try the new peanut vendor, tea, spices, artisan olive oil, balsamic vinegars and delicious baked goods. In addition, the Herndon Woman’s Club will sell White House ornaments.

The Herndon Community Center, a public recreation facility located at 814 Ferndale Avenue, features an indoor pool, spa, sauna, fitness room, full-size gymnasium, three racquetball courts and hundreds of recreation programs.

The Town of Herndon Parks and Recreation Department produces this show along with many other programs and events in Herndon. To learn more please visit the Town of Herndon’s website or call 703-787-7300.

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More Than a Job: Millennials See Work as a Way to Do Good

Young people are idealistic: That’s as true today as it was 50 years ago.

But there’s one sentiment that sets millennials apart from earlier generations — from the silent generation, the baby boomers and Generation X. They are also eminently practical. Call them “realistic idealists,” if you will, or “idealistic realists.” Either term applies.

Take their attitudes toward work. Many young baby boomers were skeptical that businesses had the inclination to make the world a better place. But today’s young people feel differently — they expect to give back through their jobs, too.

According to the 2017 Deloitte Millennial Survey, “Many millennials feel unable to exert any meaningful influence on some of society’s biggest challenges; but in the workforce, they can feel a greater sense of control — [as] an active participant rather than a bystander.”

Businesses are responding to these attitudes — both to attract young workers and to make a difference themselves.

“Leading companies aren’t just redirecting profits by giving back to society through more traditional ‘corporate social responsibility’ tactics,” said Robert Haynie, an instructor at Georgetown University’s School of Continuing Studies. “They are figuring out how to address social and environmental issues while simultaneously advancing their business interests.”

And this mentality isn’t just limited to the business world. Before venturing into the professional world, millennials are seeking a practical way to integrate this desire to do good within their careers — without their success taking a backseat.

At Georgetown, coursework is designed to serve students who want to make money and make an impact. This approach is driven by the School’s Jesuit values, which emphasize community, social justice and service to others.

Whether you’re a millennial or a business that hires them, the landscape is changing. It’s more important now than ever that the work we do has a purpose and serves the greater good.

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How to Address Three Common Financial Mistakes

Provided by Matthew Cash with Baird Wealth Management.

Through my years as a Financial Advisor, I’ve met with dozens of people. Many of whom want to confirm that what they’re doing is correct. Here are some of the most common mistakes I’ve seen…

They haven’t changed their investments in years — This is common with 401(k)’s & Rollover IRA’s. They may have met with an advisor or someone at a bank or discount brokerage firm. And that person helped get them into the right investments (hopefully).

They get a statement every month with the person’s name on it. And other than a few hiccups here and there, the account has shown steady growth. So why should they change?

Imagine you originally started with a portfolio of 60% stocks & 40% bonds. If stocks grew 7% every year & bonds 3%, after five years your portfolio would be comprised of 65% stocks & 35% bonds.

You’ve unintentionally increased your portfolio risk. All while moving closer to retirement.

They do it themselves (there may be some overlap here with the previous example. Especially with 401(k)’s) — Despite having a full-time job, this person wants to handle their investments on their own. And like the previous example, they think it’s been working.

Unfortunately, the average investor underperforms the market by about 2% per year. And if they think they can beat the market, they’re probably wrong. In fact, most professional active managers underperform their respective benchmarks in the long run.

On a $500,000 portfolio, underperforming the market by 2% adds up to about $110,000 over a 10-year period.

They hold too much cash — Holding a lot of cash makes people feel secure. It never loses value. And they may even earn a few dollars on it every month. What’s the problem?

Unless you’re earning 2% interest on your cash, you’re actually losing money due to inflation. And, as mentioned in the previous example, 2% can add up to a lot. Some cash in your portfolio is ok, as long as it’s part of a financial plan.

So, what should you be doing?

Have a formal financial plan. One that answers the following questions:

1. What is the probability that I will achieve my financial goals?

Knowing this is critical. And it should be the first thing an advisor helps you to determine. It is a specific number. And once you know the answer, you can move on to the second question:

2. Can I increase the probability of achieving my financial goals?

Whether it be reallocating to the proper investments, changing the order of what you’re funding, or changing how you’re spending, you can likely increase your probability of success.

This, along with adjusting for any life-changing events, and rebalancing your portfolio when necessary, can lead to success.

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Here’s What Professionals Can Do to Keep up with the Changing Job Market

There used to be a widely accepted formula for career success: earn a college degree, land a job and work your way up.

That’s still good advice, but it doesn’t go nearly far enough. And that’s because today’s professionals, college-educated or not, are encountering a new age of job disruption that is perhaps more radical than anything before.

So what does this mean for today’s professionals?

In a world where competencies are becoming obsolete, adaptability helps you stay competitive. That means being able to regularly respond to and anticipate change by building upon existing knowledge, as well as expanding it to new areas.

“Education isn’t something that stops,” said Dr. Annie Green, a faculty member for the Artificial Intelligence Management Certificate at Georgetown University’s School of Continuing Studies. “It continues. Just like the continuous improvement of an organization, it’s the continuous improvement of a person’s knowledge, skills, and abilities.”

More and more professionals today are adopting this “continuous learning” mentality. A smaller commitment, certificate programs offer an accelerated way for professionals to stay relevant. And the higher education world is responding to these shifting demands by making certificates more accessible. Today’s certificates are as varied as the needs of the professionals who earn them.

Take Moe Tun, an engineer who earned a Certificate in Cybersecurity Strategy. Cybersecurity impacts many aspects of Tun’s job, so he assembled the information he learned into a framework, similar to those his team members use to process complex technical information outside their areas of expertise. Earning a certificate in a new subject helped him adapt to evolving technologies.

No matter the industry, motivation, or career level, one thing is clear: maintaining the status quo doesn’t cut it anymore. Today’s professionals must adapt, embrace uncharted territory, and create new ways forward — wherever they may lead.

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What is the Best Age For Your First Visit to the Orthodontist?

What is the best age to see an orthodontist for the first time? The current recommendation from the American Association of Orthodontists is for children to have their first exam with an orthodontist at age 7 — and for good reason!

“Adult teeth typically begin to erupt around age 6-7, which makes this the ideal time to ensure that these teeth are erupting properly, and that the upper and lower jaws are growing correctly in relation to each other,” shared Northern Virginia Orthodontics’ very own Dr. Robb.

If there are any indications for early treatment, Northern Virginia Orthodontics (NVO) can offer interceptive treatment to prevent more severe issues down the road.

Lucky for you, August is a great time to visit Northern Virginia Orthodontics! Not only can you get your child’s complimentary consultation taken care of before the school year begins, but NVO is offering all new patients $1,000 off and 2 tubes of take home whitening until August 31, 2018. Just mention “Reston Now” when scheduling your appointment to secure your savings and whitening!

No matter what age you are, NVO would love to help you transform your smile! Dr. Casagrande, Dr. Barcoma, Dr. Robb and Dr. Cole rank as the #2 Invisalign providers in the nation, and have treated the most Invisalign patients in the state of Virginia. We can’t wait to help you achieve the smile you’ve always wanted, and this month is the best time to get started.

Learn more about NVO today at nvorthodontics.com or submit an appointment request online and a member of our team will contact you shortly.

*Offer valid for new patients and full treatment only. Not valid on Smile Express by NVO. Cannot be combined with any other discount or promotion. Offer expires August 31, 2018.

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Young, Single and Childless but Not Invincible — You Need an Estate Plan

If you are single and have no kids, you may think spending money on an estate plan can wait. But if you own anything of value such as a home, you may want to rethink your decision.

Imagine that you live in Reston and your parents live in California. The unthinkable happens to you and your grieving parents have to hire an attorney in Virginia to probate your intestate estate because you died without a will.

No one intentionally leaves their parents in this situation, but it happens all the time.

There are other benefits to making a will. Perhaps you have potential heirs that are entitled to receive your property if you die intestate and these potential heirs would squander any inheritance of your property.

Talking to an attorney will help identify and address how to effectively disinherit someone.

For example, it’s better to almost disinherit a person and incentivize them not to protest. For instance, if you have an estate of half a million dollars, you could leave a troublesome sibling $1,000 and combine that with a no-contest clause saying that anyone who challenges the will loses their inheritance.

Certainly, you have people in your life that you care about or maybe even a dog. How do you want them to be provided for?

Care enough to leave clear and legally rock-solid language about your wishes. If you do not leave clear instructions, your loved ones will have to navigate the complexities of the probate process while trying to grieve your loss. Think of making a will as an act of love to make life easier for those you leave behind.

Even if you are single and don’t have children, you need an estate plan. Contact us or call me at 703-712-8000 to set up a consultation and take the necessary steps to protect your assets and make provisions for the people (and things) that are important to you.

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J-Petal Now Open in Reston

Are you looking for an all natural, gluten-free treat? J-petal’s Japanese crepes and Thai rolled ice cream could be just want you need.

Inspired by Japanese crepes, J-petal’s founders put a twist on their recipes, then tested them out thousands of times before bringing them to the market. The Brooklyn-based shop has a Reston location that serves its crepes made with fresh fruit, vegetables and meats.

The J-petal Special, for instance, is loaded with in-house seasoned beef, chicken, shrimp, carrots, peppers, spinach, Japanese mayo and more. The menu offers more than a dozen crepes from savory to sweet. Plus, each crepe is crafted by a skilled chef so it doesn’t just taste great, it’s visually pleasing too.

Customers also love the made-to-order Thai rolled ice cream. Try a traditional Thai ice tea flavor or delve into a strawberry, Nutella and matcha combination. There are more than a half dozen flavors to try or you can create your own.

And don’t forget about the lightbulb drinks — there’s everything from mango colada and honey green iced tea to mojito virgin and thai ice tea. The weather is finally warming up, these are good bets to cool you down.

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VIP Limo Tour of New Construction Homes in Loudoun County — May 12

Interested in buying a new home or designing your own?  Get a glimpse of the best new construction homes that Northern Virginia has to offer — on Saturday, May 12 at 12 p.m.!

Join the Keri Shull Team for an exclusive luxury tour around the latest and greatest new construction communities of Loudoun County including Toll Brothers, Beazer Homes and NVR Homes.

Hosted by New Construction Specialists from the Keri Shull Team, this luxury tour around Loudoun will take you through these new communities, while going over the ins-and-outs of building or buying a brand new home.

Perfect opportunity to discover your new home, meet your future developer or find your next inspiration!

Ride in style with the Keri Shull Team — Saturday, May 12! Wine and hors d’oeurves are included free of charge.

What’s Included With Your $49.99 Refundable Deposit

  • Executive limo van transportation from Reston Limousine
  • Boxed lunch from Pinstripes
  • Keri Shull Team wine opener
  • Expert guidance from the areas top new construction agents
  • Private arranged VIP tour; exclusive insights for this tour only
  • $250 Moving rebate from Town and Country Movers
  • $100 credit towards labor from Charles Graves Painting
  • Free staging consult if you have a home to sell
  • Lifetime membership to our exclusive client events

For your deposit to be refunded, you must buy any home within the next 12 months from your tour date. Space is limited to 20 attendees, so sign up today before it fills up! Click here to register.

Event details

  • What: VIP New Construction Limo Tour
  • When: Saturday May 12, from 12-3 p.m.
  • Where: Toll Brothers, Beazer Homes, and NVR Homes
  • Cost: $49.99 refundable deposit
  • Contact:  [email protected]or call 571-969-7653

Space is limited to 20 attendees, so sign up today before it fills up! Click here to register.

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Estate Planning for the Modern Family

There are many reasons to make sure you have an estate plan after remarriage. In this brief space I will address a few.

We are all familiar with the sitcom Modern Family, and many of us live in a “modern” family.  That is because 3 out of 4 people who divorce eventually remarry.

According to data published by the Pew Research Center, 6 in 10 women in remarriages are living in what the Census Bureau calls a “blended family.”

However, we have come a long way since the Brady Bunch. Today’s modern family may have step children and step parents, but they may also include half siblings and adopted siblings.

Blended families are faced with unique challenges such as co-parenting with another family and finding balance for children who live between two homes. Planning your estate with a blended family also presents unique challenges, like how to provide for your spouse without accidentally disinheriting your biological children.

Let’s assume: 1) your spouse has children, 2) your spouse does not adopt your children, and 3) your assets consist of retirements funds and a jointly owned home with your spouse. What if according to the laws of your state, in the absence of an estate plan everything passes to your spouse? And what if your spouse dies without an estate plan and all his assets — including the ones he inherits from you — go to his children? Your children get nothing. Clearly, this is not a desirable outcome.

A better alternative is to establish a plan that provides for your children, your spouse and perhaps your spouse’s children.

For example, you may want a trust that allows your spouse to use the assets in your estate for the remainder of his life, then pass those assets to your children. Or you may wish to leave a portion of your assets to your children outright and leave the remainder to your spouse. In this scenario, you might consider who will manage your children’s assets. You might also consider a trust that protects your spouses’ children if your spouse remarries, gets sued or dies.

Other factors to consider include the impact of divorce agreements and marital property laws. If there are minor children, planning for their custody adds further complexity. Suppose you don’t want your ex-spouse to take custody of your children? What are your options?

There are many things to think about when planning an estate after remarriage. Be clear about your intentions and reach out to experts to address your concerns. Contact Global Law PLLC or call 703-712-8000 for more information about to create an estate plan for your blended family.

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Founding Farmers Reston — Now Open!

Founding Farmers Reston is now open and has all of your lunch needs covered! Get out of the office and take a real break while you lunch or meet with friends for some light bites and drinks at the bar.

Located on the Silver Line at the Wiehle-Reston East Station, the restaurant is just steps from the Metro. With validated parking and $3 valet, parking is easy! Reserve your table today.

They’re also open for full service breakfast Monday through Friday at 7 a.m. with complimentary Wi-Fi, or grab & go style at their First Bake Café. The café is your on the go, one stop shop for coffees, teas, cold pressed juices, breakfast burritos, donuts and more!

Open seven days serving up breakfast, lunch, dinner and a can’t miss Farmers Market Buffet Brunch on weekends. Make your way over to Reston Station to see all that Founding Farmers has to offer. To view menus or to make a reservation, visit WeAreFoundingFarmers.com.

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Map It Out: If You Plan to Succeed, You Need to Plan

If you want to achieve your most cherished goals, you have to make your money work hard for you — and that means putting together a systematic and attainable plan.

According to many financial experts, the success of a long-range savings and investment plan is predicated not on the rate of return, but on the use of a systematic plan.

A financial plan, a central component to any comprehensive investment process, can help you avoid expensive financial mistakes that can seriously damage your financial health, including taking on too much debt, not saving enough and placing too much of your financial assets in investments with a high level of risk.

A Comprehensive Investment Process

In developing a comprehensive investment plan, you need to start by gathering information. By taking a careful look at your assets and liabilities, insurance coverage, how long you have to save for retirement and the tax status of your various accounts, you can better prepare for your future.

As you are reviewing your current financial situation, you will want to identify issues and opportunities. Depending on where you are in your financial life cycle, you may have specific short- and long-term goals to consider.

  • During the Wealth Accumulation phase, as you are gathering and building assets, you may also be establishing your career and family, planning for your children’s education and saving for retirement.
  • During the Wealth Distribution phase, when you have built a strong portfolio of assets, you may be considering retirement, purchasing a second home, helping your children financially and developing an estate plan.
  • The Wealth Transfer phase represents the culmination of a successful strategy as you prepare to transfer your wealth to your heirs and favorite charities in a tax-advantaged way, both during your life and at death.

All of this information should be factored into your financial plan. A Financial Advisor can evaluate where you are financially and help you plan for the future.

Next, you and your Financial Advisor need to develop an investment strategy to put your financial plan into action.

This strategy should consider risk vs. reward, proper asset allocation and portfolio diversification. Together, you and your Financial Advisor can develop a plan designed to minimize risk and maximize opportunities that can help you reach your goals.

Once your plan is designed, you need to implement it. Your Financial Advisor will help you choose quality investments to put your strategies to work.

Regular reviews of your investment plan help ensure that your asset allocation and investment strategies continue to meet your changing needs.

Article approved by Robert W. Baird & Co. for Matthew Cash, Financial Advisor at the Reston office of Robert W. Baird & Co., member SIPC. Matt has 9 years of financial services industry experience, and can be reached at 571.203.1677, or [email protected]. Robert W. & Co. does not offer tax or legal advice.

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Founding Farmers Reston — Opening Next Week!

Dining in Reston just got more delicious!

Founding Farmers Reston is opening next Wednesday, April 11, and they offer something for everyone. Their full-service restaurant and bar is open seven days a week serving breakfast, lunch, dinner and a decadent Farmers Market Buffet Brunch on weekends. The restaurant’s beautiful design, comfortable spaces and original art are worth the trip alone. Reserve your table today.

Or stop by their Founding Farmers First Bake Cafe for freshly-made Grab & Go goodies.

  • Get your day going with a quick and healthy breakfast.
  • Quench your thirst with a farm health fresh-pressed juice.
  • Grab a dozen donuts and a carton of their specialty-roasted Compass Coffee to share with everyone at the office.
  • Enjoy an afternoon treat with a fresh-baked cookie or their house-churned ice cream.

As a farmer-owned restaurant, almost all of Founding Farmers food and drink — even the Founding Spirits they use in their craft cocktails — is made from scratch, using high-quality ingredients from American family farms.

Make your way over to Reston Station to see all that Founding Farmers has to offer.

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Free Limo Tour of New Construction Communities in Loudoun County

Interested in buying a new home or designing your own?  Get a glimpse of the best new construction homes that Northern Virginia has to offer — on Saturday April 7 at 12 p.m.!

Join the Keri Shull Team for an exclusive FREE luxury tour around the latest and greatest new construction communities of Loudoun County including Toll Brothers, Beazer Homes, and NVR Homes. Hosted by New Construction Specialists from the Keri Shull Team, this luxury tour around Loudoun will take you through these new communities, while going over the ins and outs of building or buying a brand new home.

Perfect opportunity to discover your new home, meet your future developer or find your next inspiration!

Ride in style with the Keri Shull Team — Saturday, April 7! Wine and hors d’oeurves included — absolutely free!

Attendees of New Construction Limo Tour will receive our exclusive guarantee: Move up to any of our new construction listings and we will sell your current home for free!

Event details

  • What: New Construction Limo Tour
  • When: Saturday April 7th, 12 p.m. – 3 p.m.
  • Where: Toll Brothers, Beazer Homes, and NVR Homes
  • Cost: FREE
  • Contact:  [email protected] or call 571-969-7653

Space is limited, so sign up today before it fills up! Register at: Loudouncountytour.com.

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Planning for Your Parent’s Retirement and Contemplating Long Term Care

The average age of a Reston adult is about 40, which means their parents are approaching retirement age.

While 40-somethings are focused on career and making sure their kids are getting prepared for college, are they also making sure their parents are prepared for retirement?

Our parents will inevitably need some form of long term care during their retirement years, so careful estate planning is important. Notably, the key word in estate planning is planning. Surprisingly, too many people do not have an adequate plan.

I have found in my practice that many people mistakenly think Medicare covers all long term care expenses.

However, Medicare (Part A) only pays for care in a long term care hospital, Medicare-certified skilled nursing facility under certain conditions for a limited time or through Medicare-certified home health services like intermitted skilled nursing care or hospice care. It will never pay for in-home custodial care, nursing home, continuing care retirement community, or assisted living facility.

Suppose your parent has dementia or Alzheimer’s and is fully mobile but cannot be left alone? Long term care for your parent can range from $2,000 to more than $6,000 a month. These costs are paid out of retirement funds and can easily exceed the average person’s retirement budget.

Although rare, there are organizations that provide affordable options like flat monthly fees for basic, mid-level and advance wellness packages to fit different budgets.

In some families, a family member becomes the caregiver, usually a spouse or a child. Even when family members step up to become the caregivers, respite or additional help is also frequently required. For those who plan ahead, purchasing long term care insurance is a great way to manage these costs while being able to remain in one’s home. Another option is designating a family member to be the care giver.

Consider what happens when your parent cannot afford the cost of care or does not have a family member to provide care. The only option is nursing home or home health care covered by Medicaid.

To qualify, your parent’s monthly income cannot exceed 300% of the SSI amount for an individual, or $2,205 per month for 2017 and Medicare will require any assets to be used to pay for care, unless the assets were transferred or liquidated 5 years prior to applying for Medicaid.

A popular strategy to deal with the 5-year “look back period” is to transfer the deed to the home to a child. This may solve the Medicare problem, but it has drawbacks. In most cases, the child will pay higher taxes if he or she later sells the property.

Be proactive in 2018. Contact us via email or call me at (703) 712-8000 set up a consultation and take the necessary steps to protect yourself and your family.

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Founding Farmers is Coming to Reston

The most booked restaurant in the Nation on Open Table is opening their latest restaurant at the Wiehle-Reston East Metro Station.

Founding Farmers Reston has something for everyone.

Their full-service restaurant and bar is open seven days a week serving breakfast, lunch, dinner and a decadent Farmers Market Buffet Brunch on weekends. The restaurant’s beautiful design, comfortable spaces and original art are worth the trip alone. Reserve your table today.

You could also stop by their Founding Farmers First Bake Café, located within the restaurant, for freshly-made Grab & Go goodies.

  • Get your day going with a quick and healthy breakfast.
  • Quench your thirst with a farm health fresh-pressed juice.
  • Grab a dozen donuts and a carton of their specialty-roasted Compass Coffee to share with everyone at the office.
  • Enjoy an afternoon treat with a fresh-baked cookie or their house-churned ice cream.

As a farmer-owned restaurant, almost all of Founding Farmers food and drink – even the Founding Spirits, made in their DC distillery and used in their cocktails – is made from scratch, using high-quality ingredients from American family farms.

Make your way over to Reston Station to see all that Founding Farmers has to offer.

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