Dutchland Woods At Home
Dutchland Woods At Home
Because Home Is Where One Starts From
www.Dutchlandwoodsathome.com
N e x t i s s u e d u e d a t e
S P E C I A L
P O I N T S O F
I N T E R E S T :
The List of Service Providers
• Pg 2 Strawberry Do you have a skill that you
Cake Recipe and would like to offer your
Happy Birthday neighbors? Do you have a
Wishes!
favorite service provider
• Pg 3 DW 30th such as a handyman,
Anniversary Golf plumber, electrician, attor-
Outing! ney, tax accountant, painter,
• Pg 5 Social and landscaper, interior designer,
Rec Present Pizza blue max waterline repair,
Night! Realtor, piano teacher, Tai
Kwon Do Instructor, hair
• Pg 6 Have A Room
Painted By The
designer, seamstress, knit-
Same Talented ting instructor, mechanic,
Person Who family doctor, OB-GYN,
Painted The White personal trainer, carpenter,
House! musician and DJ, loan offi-
• Pg 7 Prepare Now
cer, insurance agent, veteri-
For Disasters! narian… etc?
• Pg 10 Meet Your I have a list that is on my web-
Neighbors
site called Brenda’s Business
• Pg. 11 Ohio Rules List of Service Providers.
Of The Road!
These are my favorites. These
• Pg 12 My Listings are people that I have called
and Sales!
upon over and over and have
F i r s t T i m e T a x C r e d i t
F o r D o w n P a y m e n t o r
f o r F H A - B a c k e d
Shaun Donovan of the U.S. Depart-
ment of Housing and Urban Develop-
ment stated in May that HUD would
allow the first-time buyer tax credit to
be used for a down payment or closing
costs, at least for FHA-backed loans.
Under the program, borrowers using
the FHA for their first mortgage financ-
S e p t e m b e r
seen consistently that they
have done a great job. These
providers are the ones I turn
to for personal or business
use and would be happy to
recommend.
A neighbor of mine called
and suggested that we create
a business directory or a
business referral list for eve-
ryone here in Dutchland
Woods. We would like to
focus first on anyone who
lives here and provides a
service. We would like to
know who you would rec-
ommend? Who is on your
list? Word of mouth recom-
mendations are the best re-
ferrals for service providers.
The best compliment any
service provider could get is
a referral from a “raving
fan”!
C a n B e
C l o s i n g
l o a n s !
ing can apply for a bridge loan
that uses their tax-credit pro-
ceeds as collateral. The loan can
be used to cover their closing
costs, buy down their interest
rate, and cover their down pay-
ment over and above the FHA’s
required 3.5 percent minimum.
August and September 2009
1 5 , 2 0 0 9
Please think about who you
would refer to others and
send me an email with their
information. We will grow
our list of service providers
from which we all may bene-
fit.
When we add a service pro-
vider to our list, we will send
a note or email to let the pro-
vider know of the referral to
the DW community.
The list will be published in
this same form and available
on my web-site
www.BrendaSwigert.com
Click on the link
Area Service Providers
Email your list to:
Brendaswigert@gmail.com
U s e d
C o s t s
They’ll still have to cover the
minimum down payment
themselves or tap other assis-
tance.
From Realtor Magazine
For more information visit my
website at
www.BrendaSwigert.com
 P a g e 2 D u t c h l a n d W o o d s A t

Do You Have a Backup Plan for Your Income?

Would you like to learn how to make money from everyday purchases? Would you like to learn how to leverage your income for the future
working part-time?

We are part of a business that has had positive growth for 64 straight quarters and even did well during the fourth quarter of 2008! It is well
positioned for explosive growth due to its powerful partnerships and distribution system combined with a personal customer touch.

What Makes This Business Special?

It is a Product Brokerage Co with Over 2000 Exclusive Products to Sell
Distribution of Products in 10 Multi-Billion Dollar Markets Ranging from Health & Nutrition to Internet Web Sites to Cosmetics, Pet
Care, Music and Much More
A Partnership with Google for Engine Search on 30 Million Products
Ability to Earn While You Shop at Over 3,000 Branded Stores Like Wal-Mart, Target, Travelocity, Staples, and Best Buy
A Proven System.….Low Cost Entry..…Not Multi-Level Marketing

You are invited to learn more. Distributors have already earned over $1.4 billion in commissions. We Live in Dutchland Woods and are look-
ing for partners who want to improve their health and their wealth in 2009! We are scheduling short business briefings in August and Septem-
ber to review this business system. Please call or email us to reserve a spot.

Joanne & Brad Arnott

Independent Unfranchise Owners of Market America, Inc.
PH: 755-0997 Email: bjarnott@aol.com

My Daughter’s Favorite Birthday Cake

Strawberry Cake
Happy 26th Birthday Jennifer!
Ingredients:
1 pkg white cake mix Scott Lyle,
Mortgage Loan Originator
1/2 Cup mashed strawberries (fresh or frozen) Contact Information
513-509-1736
1 pkg strawberry jello (4 oz box)
Email
1 Cup Crisco Oil (I use smart balance oil) Scott.Lyle@53.com
30 Fountain Square
1/2 Cup Cold Water
“This is a fabulous time to refinance
4 Eggs your home. We have loans to help you
reduce your monthly payments! Call
Directions: me today… I have worked with Brenda
Swigert for years”!
Preheat oven to 350 degrees.
Mix all ingredients together. Separate into three 8 inch round cake
pans.
Bake for 25 minutes or until done.
Icing:
1 Box Powdered Sugar (1 LB), 1/4 stick of butter softened, 1 tea-
spoon vanilla, add enough strawberries to moisten, having icing
stiff. Refrigerate cake and serve cold with vanilla ice cream.
Dutchland Woods At Home Page 3
P a g e 4 D u t c h l a n d W o o d s A t

• Remove the hassle of unnecessary phone calls.

• Enjoy the convenience of scheduling a time of your choice.
• Be confident when you receive our email confirmation.

• A 20 dollar gift card for Scheduling an Inspection Online.

Schedule Your Inspection Online Today!
www.hometeaminspection.com/cincy
513-469-1117
 F i r s t M o n d ay O f E v e r y M o n t h Page 5
i s Pa p a J o h n ’ s P i z z a N i g h t

Social and Rec Proudly Presents “Papa John’s Pizza Night”!

The First Monday of Every Month
Swing by the White House between 4:30 and 7:00 pm
Pick Up Your Choice of:
Medium Pepperoni or Extra Cheese Pizzas
Or Breadsticks! Any of these items are $6.00 each!
All proceeds benefits the Social and Recreation Committee’s Activities!
DID YOU KNOW?…..
At the concession site You can borrow softball bases, volleyballs and basketballs to use while you are
at the pool and our park! If you have any to donate in good condition please let us know!
For More information Please contact Jodi Strutz at 254-0301

Did Your House Suffer Wind Damage?

WWW.EMAHOMEREPAIR.COM

ARE YOUR ROOF SHINGLES HAS SIDING OR METAL BLOWN OFF

LIFTED OR COMPLETELY MISSING? YOUR HOUSE LEAVING BARE WOOD
EXPOSED?
E.M.A. CONSTRUCTION, LLC
513-616-1722
*SIDING*ROOFING*GUTTERS/GUTTER PROTECTION
DON'T SETTLE FOR LESS FROM YOUR INSURANCE COMPANY
WE WILL NEGOTIATE WITH YOUR INSURANCE COMPANY TO MAKE SURE ALL YOUR SIDING
AND ROOFING NEEDS ARE RESOLVED
Page 6

Jack Lewis Insurance

8585 Mason Montgomery Rd
Mason, Ohio 45040
We specialize in residential mortgages and refinancing! Office: 513-229-8928
Act now to take advantage of our low interest rates!
Michelle Bell, Assistant Branch Manager
Fax: 513-842-4361
8350 Arbor Square Drive Mason, Ohio 45040 Cell: 513-505-7654
www.pcbionline.com jacklewisinsurance@yahoo.com Jack Lewis,
Agent
Equal Housing Opportunity Lender 513-770-5000 “Advice...not simply insurance”
Auto-Home-Life-Health/Medicare-Business/Benefits

What are you doing when the kids head back to school?

Bible Study Here In

Dutchland Woods
Come Join Your
Neighbors for
Fellowship and Great De-
votional Time.
For more information
please contact:
Kim Rogers at:
kimbr@fuse.net

*Room special is for one coat (second coat

$25), 14’x14’ room max, 9’ ceiling height max,
and does not include ceiling, trim, or cost of Pray For Our
paint. Troops and Our
Country!
Call Tracy @ 777-1147
Pray For Your
Neighbors too!
Ask about pricing for Faux, Wallpaper Re-
moval, Painting of Ceilings, Trim, etc.

Past jobs include the interior of the

Dutchland Woods Clubhouse.
 Page 7

Ohio encouraged to prepare for disasters

Submitted by Jack Lewis, Agent (see page 6 for contact info)
COLUMBUS — Wildfires, flooding, tornadoes, – disasters strike everywhere in the U.S. That’s why spring
disaster season is a good time to make sure your insurance needs are in order, especially your homeowners or
renters policies. Ohio Department of Insurance Director Mary Jo Hudson is encouraging Ohioans to take some
time to re-familiarize themselves with their policies and to address any questions with their insurance agent or
company.
Director Hudson offers these tips when developing a disaster plan:
Get Prepared: Review and Update Your Insurance
• To begin a review, start with your home inventory. Creating an inventory and storing it in a safe location
away from home is one of the most basic – and effective – disaster preparedness steps you can take to help
protect yourself and your financial future. A home inventory can save you time and headaches when filing a
claim following a disaster.
• It is important to review your inventory each year. Remember to note the make, model, serial number,
purchase price and date of purchase of any new items and keep copies of receipts for major purchases with
your inventory. If you’ve purchased or have been given jewelry and/or art, make sure to have it appraised.
And, don’t forget to take photos and/or video of the new items. Once you have a complete home inventory,
talk with your insurance agent or company to make sure you’re not under- or over-insured.
• Also, make sure you know whether your policy includes coverage for replacement cost or actual cash
value in case of a loss. Actual cash value (ACV) is the amount it would take to repair damage to your home
or to replace its contents after allowing for depreciation. Replacement cost is the amount it would take to re-
build or replace your home and its contents with similar quality materials or goods, without deducting for de-
preciation.
• Store copies of your insurance policies with your inventory in a safe location away from your home, so
that these records can be easily retrieved in the event of a loss. Most families have life, automobile, and
homeowners or renter’s insurance policies. Some families may also have a flood insurance policy or other
types of policies. Before you store the insurance policies, review them to verify that they meet your needs.
Make sure you know your policy limits, deductibles, exclusions and policyholder claims notification require-
ments, before disaster strikes.
• Keep a list of contact details for your insurance agent and/or company with your policies. Include of-
fice phone numbers, mailing addresses, Web site addresses and all of your policy numbers for quick reference.
• Losses due to flooding are not covered under a regular homeowners or renter’s insurance policy. If
you are in an area where flooding is a concern, talk with your insurance agent or company about a flood policy
through the National Flood Insurance Program (NFIP). Remember, there is a 30-day waiting period before a
flood policy goes into effect.
Disaster Strikes: Before and After an Emergency
Limit Your Risk
• There are steps you can take to mitigate – or lessen – your exposure to some types of disasters. In a
wildfire area, this might mean clearing brush from the perimeter of your home. In areas where tornadoes fre-
quently occur, this might mean removing damaged or diseased tree limbs hanging over your home.
Assessing the Damage
• When assessing your home following a disaster, remember to photograph and/or video tape any dam-
age. You should also make repairs necessary to prevent further damage to your property (e.g., cover broken
windows, leaking roofs, etc.), but do not make permanent repairs until you have received written approval
from your insurance company or their designated representative. Keep receipts for any necessary inspections
or repairs you make, because they might be reimbursable under your policy. Until the claim is settled to your
satisfaction, keep any damaged personal property for the adjuster to inspect.
Continued on page 8...
Page 8

Insurance Continued from page 7

Filing a Claim
• File your claim as soon as possible. Call your insurance company or agent with your policy number and other relevant infor-
mation. Keep a detailed list of conversations and correspondence with your insurance company and/or agent. Include the name
of the person you spoke with, their contact information, the date and time of the conversation and notes of what was said. Be
sure to cooperate fully with the insurance company and provide all information requested. Providing incorrect or incomplete
information might cause an unnecessary delay in processing your claim.
Claims Settlements
• If there is a disagreement about the claim settlement, ask the company for the specific language in the policy that is in ques-
tion. Find out if the disagreement is because you and the insurance company interpret your policy differently. If this disagree-
ment results in a claim denial, make sure you obtain a written letter from the company explaining the reason for the denial and
the specific policy language in your policy under which the claim is being denied.
• If offers made by an insurance company do not meet your expectations, be prepared to negotiate with the company to get a
settlement that meets your expectations.
Ohio insurance consumers with questions and concerns about their insurance or who wish to file a complaint against their insur-
ance company can call the Department’s consumer hotline at 1-800-686-1526. Free information can also be obtained at
www.insurance.ohio.gov.
Ohio Department of Insurance Contacts:

Robert Denhard, Public Information Officer

(614) 644-3366

Jarrett Dunbar, Public Information Officer

(614) 644-2475

Thank You To The Distributors of This Newsletter!

Many of your neighbors over the years have been kind enough to spend their time delivering the
newsletter in all kinds of weather. This newsletter goes out bi-monthly and I want to thank those who
have delivered this in the past and especially those who are still
delivering.
Ann Proxon delivers Amsterdam
Greer Maher delivers Cobblers Trail (welcome Greer!)
Joy Hunter delivers Dutchland Blvd east of Netherland Drive
Karen Stephenson delivers to Gretel and Countryside
Betsy Boyers delivers to Hansbrinker Ct and Marken Ct
Graeme George delivers to Netherland Dr (N. of Dutchland Blvd) and to Wilhelmina
Joe and Carol Soete deliver to Silver Skate
Linda and Mike Curran deliver to Tulip Lane
Sharon Wilson delivers to Tulip Court
Kathy Klein delivers to Wooden Shoe Ct
Vicki Kemper delivers to Windmill
Beverly Dowler delivers to Netherland Dr (South of Dutchland Blvd), Netherland Ct, Dutchland
Blvd to Netherland Dr and Rotterdam.
We need distributors for Hansbrinker Drive, Wooden Shoe, and Edam Ct.
Please thank those who volunteer! Want to help? Call me or email me!
BrendaSwigert@gmail.com
513-755-9597
P a g e 9
 D u t c h l a n d W o o d s A t H o m e P a g e 1 0

Meet Your Neighbors

Meet the Allens of Wooden Shoe Court
Eddie — Home Remodeling Business Owner,
Valerie — Homemaker,
Jaden, 5 starts kindergarten in the fall,
Maddyson, 3,
Gavin, 9 months

How long have you lived in Dutchland Woods?

We have lived in Dutchland Woods going on three years. We really enjoy the neighborhood. We have the
greatest neighbors anyone could wish for.

What is the most interesting/challenging house project you have taken on?
WOW! We have taken on so many challenging and interesting home projects. We own a construction com-
pany, so we have been able to replace all the vinyl siding, new 6" seamless gutters, new vinyl shutters, new
custom bent aluminum trim, new custom built deck, and new garage door. That's just the exterior. We have
also re-done the whole interior with new paint, carpet, flooring, bathrooms, doors and drywall repairs. Right
now we are installing a stone wall in the back around the deck with a small pond and waterfall. We will then
landscape. We are excited to sit and listen to the relaxing sound of the water.

What kind of work have you done for your business in the neighborhood?
We have done quite a bit of concrete work including sidewalks and driveways. We have also done some ma-
sonry, roofing, siding, gutters, and gutter protection. We are still doing work from the wind storm last fall.
We would like to do more remodeling including bathrooms, kitchens, and decks.

What has been your favorite neighborhood home on which you've worked?
We have done work for numerous homeowners in the neighborhood, so it's hard to choose our favorite but I
would have to say The Conner's on Hansbrinker have been our most memorable, by far. Jim and Michelle
have been great customers, but more than that they are great neighbors. All the homeowners we have worked
for have been great and we would love to continue to serve our neighbors with quality workmanship.

What is your favorite family activity?

We love to spend time together at the pool. Maddyson has really progressed this summer at the pool. During
the summer one of our favorite family activities is enjoying ice cream from The Cone.

The Allen’s at
ReMax Unlimited
annual event
Movie with Santa in
Dec ‘08.
 Page 11

Mom’s Morning Out!

Moms' Morning Out-Now Registering!
Hopewell First Church of God 777-0190
or email kschmidt_6271@fuse.net

6 months – 24 months Beginning Oct 2009 --

1 day a week: $45/month Lunch Bunch $5/day
Wednesday: 9:30am–12:00pm Children bring lunch and eat
with friends.
Optional for all children
Mon & Wed: 12:00pm-1:00pm
2-5 Year Olds “Totally Optional Tuesday”
2 days a week: $90/month Advance Reservations Required
Mon & Wed: 9:30am–12:00pm Open to all members and Non
members of MMO
2-5 yr olds
Tuesday: 9:30- 12:00pm
1 day a week: $45/month $ 25.00 / per day
Mon or Wed: 9:30am–12:00pm

Ohio's rules of the road change ! From The Columbus Dispatch.

New traffic laws include giving space to tow trucks on roadside, using head-
lights along with wipers
A new law took effect on July 1 requiring drivers seeing a tow truck at the side of the road to move
over or slow down, just as they must for stopped police or fire vehicles.
The requirement is one of several changes to Ohio traffic laws that the General Assembly approved as
part of the transportation budget three months ago.
Other changes include a higher speed limit for trucks -- 65 mph on rural interstates instead of 55 mph
-- and a requirement that the state establish transition zones when posted speed limits drop by 20 mph
or more.
The law also requires drivers to turn on their headlights when they use windshield wipers in the rain.
However, violations of that provision will result only in warnings this year; tickets may be issued be-
ginning in 2010.
The tow-truck requirement is intended to protect workers servicing vehicles stopped on the side of the
road. In the past two years, two tow-truck drivers have been killed by passing cars in central Ohio .
"A lot of people see a flashing yellow light, and they don't think anything about it," said Tom Gary,
owner of Southwest Towing and Recovery in Fairfield County . "If you pull over, you could be saving
someone's life."
The law carries fines of $300, plus court fees, for first-time violators. A second violation in a year car-
ries a fine of $500.
Brenda Swigert
Your Neighborhood Realtor®
Office: 759-4000
Res: 755-9597 7360 Liberty One Drive
Cell: 378-1461 Liberty Twp, OH 45044
Website: www.brendaswigert.com
Call and ask me about the $8000 first
time home buyers tax credit! (or if you
See me in color…
www.Dutchlandwoodsathome.com
MY LISTINGS & haven’t owned a home in 3 years).
I have a special for listings for the Fall!
Click on Dutchland Woods Newsletter SALES!! Call me today to find out more!

ACTIVE! SOLD! ACTIVE!

6523 Hansbrinker Dr 20 S. Dock Side Drive 6931 Rotterdam Ct

Liberty Twp, $159,900 Springboro $180,000 Liberty Twp $168,800

SOLD! SOLD! ACTIVE!

155 Hollytree Drive 6675 Silver Skate 6894 Willow Creek Run
Liberty Twp $140,000 Liberty Twp, OH $156,500 Liberty Twp $350,000

ACTIVE! ACTIVE ! SOLD PENDING!

6565 Tulip Lane 6785 Netherland Ct. 6630 Windmill Drive

Liberty Twp $159,700 Liberty Twp $175,000 Liberty Twp, $175,000

www.BrendaSwigert.com www.Lovetosellcincyhomes.com