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                                                 A useful summary for yor information.         Posted 4/3/2020          



On Friday, President Trump signed into law the $2 trillion Coronavirus Aid, Relief and Economic Security Act.
Here are the key features of the CARES Act legislation:
Checks Will be Sent Over the Next Three to Eight Weeks
  • Payments to American Households
    • Single adults with income of up to $99,000 will receive a check.
      • If your income is $75,000 or less, you will receive $1,200.
      • Your check will be reduced by $5 for every $100 of income above $75,000.
      • You will not receive a check if your income is more than $99,000.
    • Married couples with combined income up to $198,000 will receive a check.
      • If your combined income is $150,000 or less, you will receive $2,400.
      • Your check will be reduced by $5 for every $100 of combined income above $150,000.
      • You will not receive a check if your combined income is more than $198,000.
    • You will receive a check even if your income comes solely from Social Security.
    • “Income” is based on your most recently filed tax return (whether 2018 or 2019).
      • You will receive this payment even if you don’t (and aren’t required to) file tax returns.
  • Child Care Payments
    • You will receive $500 for each child in your household who is age 16 or younger.
      • You’ll get less per child if your income exceeds the thresholds noted above.
  • Unemployment Payments to Individuals
    • If you file for unemployment insurance compensation, you will receive $600 per week more than your state unemployment program would have otherwise provided, and you’ll receive this additional weekly amount until July 31.
    • Unemployment benefits will be paid for 13 weeks longer than otherwise provided by your state unemployment program, through Dec. 31.
Health Care
  • COVID-19 tests and vaccines will be provided for free.
  • The reduction in Medicare reimbursement imposed by the Budget Control Act of 2011 is suspended from May 1 through Dec. 31.
  • The law creates a new 20 percent Medicare add-on payment for treating patients admitted to a hospital with COVID-19.
  • Medicare telehealth services are being broadened, so you can get medical advice while staying home.
  • More diagnostic tests and preventive services will be covered by insurance.
Retirement Accounts
  • Required Minimum Distributions are waived in 2020 for all retirement accounts and Individual Retirement Accounts, including inherited IRAs.
    • Please contact your tax advisor if you’ve already made your RMD in 2020 because you may be able to return to your account any amounts you already withdrew.
      • You also might be able to reclassify your withdrawals as special coronavirus retirement distributions (see next item).
  • You can withdraw up to $100,000 in 2020 from your retirement accounts and IRAs without paying the IRS 10 percent penalty that might otherwise apply, as a “COVID-19 emergency” distribution. For a withdrawal to qualify, you must:
    • Be diagnosed with COVID-19 using a test approved by the CDC.
    • Have a spouse or dependent who is diagnosed with COVID-19 using a CDC-approved test.
    • Experience adverse financial consequences as a result of being quarantined, furloughed, laid off or having work hours reduced due to COVID-19.
    • Be unable to work due to lack of child care as a result of COVID-19.
    • Own a business that has closed or is operating under reduced hours due to COVID-19.
    • Meet other factors as determined by the Secretary of the Treasury.
      • If you qualify based on the above:
        • This is retroactive to Jan. 1. Thus, any RMD you made this year can be reclassified.
        • Any taxes due on the withdrawal can be paid over three years, starting with 2020.
          • You can avoid the tax by returning any amounts withdrawn to your account within the next three years.
  • If your workplace retirement plan permits loans, you can now borrow up to the full vested value of your account, or $100,000, whichever is less.
  • If you are age 70 or older and still working, you can continue contributing to an IRA.
Avoiding Foreclosure or Eviction
  • If your mortgage is federally backed, you can ask the servicer for forbearance (stop making payments) for up to 180 days. Forbearance can be extended for an additional 180 days.
    • Federally backed mortgages include those purchased by Fannie Mae and Freddie Mac, insured by the departments of Housing and Urban Development, Veterans Affairs or Agriculture or made directly by USDA.
  • If you rent your home in a multifamily dwelling, and your landlord has requested forbearance, they are prohibited from evicting you for lack of rent payment for up to 90 days.
  • Evictions are prohibited by landlords whose mortgage is backed by HUD, Fannie Mae, Freddie Mac, the Rural Housing voucher program or the Violence Against Women Act for 120 days starting March 27, 2020.
Charitable Contributions
  • If you itemize deductions on your tax return, all of your cash donations are deductible, up to 100 percent of your Adjusted Gross Income, to charities that are designated as 501(c)(3) organizations.
  • If you use the standard deduction on your tax return, you can deduct up to $300 in cash donations to qualified charities.
Students and Student Loans
  • If you have federal student loans outstanding, you don’t have to make any principal or interest payments until after Sept. 30. You will incur no penalty for deferring payments.
  • Students unemployed due to COVID-19 may be able to continue receiving work-study payments from their institution.
  • Students who had received a Pell Grant or federally subsidized loan who have been forced to drop out of school because of COVID-19 will not have to return their grants or loans.
    • Also, the grants or loans students have received will not count against their lifetime eligibility.
  • Your employer can give you up to $5,250 tax free in 2020 to help you pay for your student loan.
For Independent Contractors, Sole Proprietors, Owners of a Small Business and Non-Profit Organizations
  • You can get a Small Business Administration loan if your business or nonprofit has less than 500 employees, even if you are self-employed or operate as a sole proprietor or independent contractor.
    • Restaurants and hotels are eligible.
  • Loans are available up to $10 million. The amount is based on payroll, up to $100,000 per employee.
    • The loans will be forgiven if you continue paying your employees, and use the loan to pay for payroll, mortgage interest or rent, and covered utilities. Loan forgiveness will be reduced based on the reduction of workforce or salaries.
    • Loans not forgiven can be repaid over the next 10 years.
      • The maximum interest rate is 4 percent per year.
      • Payments can be deferred for at least six months.
  • Independent contractors and sole proprietors are eligible for emergency Economic Injury Disaster Loans without providing personal guarantees for advances, and loans up to $200,000.
  • You can get a disaster loan and grant of $10,000 to pay for capital expenses.
    • This grant does not need to be repaid.
    • Apply by contacting the SBA.
  • If the SBA does not forgive the loan, you can defer paying your share of payroll taxes for 2020. Half of what you owe is due Dec. 31, 2021; the other half is due Dec. 31, 2022.
  • The act increases the deductibility of business interest expense for 2019 and 2020 to 50 percent of Adjusted Gross Income.
    • Self-employed individuals are eligible for up to 39 weeks of unemployment compensation, through Dec. 31.
Your 2019 Federal Tax Return
  • The IRS has delayed the 2019 tax-filing deadline from April 15 to July 15.
    • Some states have delayed their filing deadlines to July 15 as well, but others have not. Check with your tax advisor to see when your state tax return and payment is due.
  • You do not need to file an extension request; the delay to July 15 is automatic.
  • You do not have to pay 2019 federal income taxes until July 15.
  • If you are owed a tax refund, you can file now or anytime up to July 15; the sooner you file, the sooner you will get your refund.
© 2020 Edelman Financial Engines, LLC. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services offered through Financial Engines Advisors L.L.C. (FEA), a federally registered investment advisor and wholly owned subsidiary of Edelman Financial Engines, LLC. Results are not guaranteed. AM1135006
This material was prepared for informational and/or educational purposes only. Neither Financial Engines Advisors L.L.C (also referred to as Edelman Financial Engines) nor its affiliates offer tax or legal advice. Be sure to consult with a qualified tax or legal professional regarding the best options for your particular circumstances.

This message was sent by Edelman Financial Engines, LLC - 4000 Legato Road, 9th Floor, Fairfax, VA 22033-4055 - (888) 752-6742.


CULPEPER COUNTY EMERGENCY ASSISTANCE                                             Posted 3/22/2020

Culpeper Human Services has established a call center for Culpeper County residents needing emergency assistance during the coronavirus pandemic.

For the next two weeks, county residents can call 540/229-3816 if they need of food or other help.

On Wednesday, Human Services opened a central operations center to coordinate the relief and be the central point of contact. The phone will be answered from 9 a.m. to 5 p.m. Monday to Friday.

                                                WEBSITE SOLICITATON WARNING             Re-Posted 2/7/2020

Some of our residents may have received a communication through the mail using a Sourh Wales homeowners name on the return address, regarding a private social networking site calling itself Nextdoor South Wales, purporting to have some affiliation with South Wales. The site is not affiliated with South Wales and South Wales does not endorse, participate in, or support the platform.  It is strongly suggested that any owners who may consider joining or providing any personal information to such platforms research them thoroughly before registering.  You might wish to Google "reviews" and then click on to examine many comments there.



If you do not have a house location survey showing your lot lines and the location of any improvements and you would like to try to find your property corners you may contact the Culpeper County Department of Zoning and Planning - Tel. 540-727-3404.  They can provide you with an excerpt of the recorded plat of subdivision for South Wales showing your lot.  This would be a good starting point.  If you are unable to locate your property corners yourself, you may have to contact a registered land surveyor to find them for you or to set new corners for you.





Susan Berry, who is in charge of the Jeffersonton Post Office carriers, hiring and training has asked for our assistance if you should receive any misdirected mail.  She has hired some new carriers and is aware that there have been some recent errors in mail delivery.

She has asked for our help; if you do receive some misdirected mail please put it back in your mailbox with the flag up for redelivery the next day.  Please do not just take it to the proper address.  That way the carriers will be aware of the error when they redeliver the mail to the proper address.  If you have received a misdirected package delivered to your door,  just call the post office and they will pick it up for redelivery.

On misdirected mail, it also might be a good idea to call the post office, 540-937-4300, and let them know you received some misdirected mail and that you are putting it back in the mailbox for redelivery.

Susan is very concerned about these errors and is working with the new carriers to solve the problem and would really appreciate our assistance in the effort.

Many thanks for your help.


Excellent information on Bears provided by William Warfield

This is a repost of my call to the Virginia Willdife Conflict Helpline about the bears.

They also told me that trapping does not help as they usually return to the same area.

As we discussed, the key with all bear is to ensure there is no easy food reward and harass the bear if you see it.  This does not mean to put yourself in jeopardy or chase the bear, but loud  noises, panic alarm on car, paintballs, etc.   It is important to keep trash, bird feeders, pet food and other food attractants secure to ensure a bear does not get access at all.   As long as there is potential for food, bear could decide to frequent your property.   I have attached information on unwelcome mats that may be modified for under bird feeders, as recommended by the Living with Wildlife Foundation.  Please also find additional included links to information on bears and how to deter them from an area.  The first link is a good summary of a lot of information; the second has links to videos on bear behavior and do-it-yourself tips.  Paintball guns work well to harass and are fairly safe to use in a community.  Information on modifying trash storage is below the trash heading.   These are good tips to ensure you do not have bear problems in the future.  Please share any helpful information with any neighbors.  If you or any of your neighbors have any additional questions, feel free to call us directly toll free 855-571-9003 or email.  I hope this information is helpful in resolving your issue.  response to paintballs (or rubber ammo) for harassment   video on living with bears – about 4 mins in they discuss what to do if you see a bear…


Trashcan modifications/waste management:  instructions to modify existing trash   video shows above modification being tested

Affordable alternate storage container good for pet food, bird seed, trash, etc – submitted to similar test as video above – instructions to modify for ease of use attached:


Fencing:                       pay attention to specs from this if you plan to use external power on an electrified unwelcome mat  portable electric fence  response to fence – shows it works


Unwelcome mats: 


Paintball gun kits  Rubber balls for paintball

Legal authority to use a pneumatic gun – part b states landowners can use on their own property with effort to keep projectile on said property.  Part E defines pneumatic gun to include paintball guns.




Carrie Pomfrey

Certified Wildlife Biologist®

Wildlife Specialist

Virginia Willdife Conflict Helpline



Last evening at our SWCA Annual meeting we had a presentation by Emad Saadeh and Christopher Saadeh owners of the Clevengers Village property formerly owned by Pulte/Centex.  The Saadeh's also have a contract to purchase the Commercial zoned property bordering 211 currently owned by the Thompson family. They are currently working with Culpeper County in submitting their proposals for development of the properties.  They shared some of the current planning with our attendees last evening and we have posted a short summary and a plot plan from their public website which was shared with us.


About the Project

Clevenger’s Village is located in northern Culpeper County about 7 miles from Warrenton, Virginia. The project is master planned for residential cluster lots with commercial village center. As planned the project boosts 776 residential single family attached and detached homes; multifamily units; 144,000 square feet of retail and 210,000 square feet of office.

Clevenger’s Corner has been identified as one of Culpeper County growth areas along with to the Town of Culpeper and Brandywine/Elkwood. The property that is now known as Clevenger’s Village was part of a larger assemblage that was settled back to the early 1800’s.

The design and development of the project will keenly focus on promoting the presence and quality of footpaths, sidewalks and trails; as well as other pedestrian right-of-ways, roadway crossings, building accessibility, and safety; among others.

Project amenities will include nature trails, paved trails, recreational center, Silver Dollar Lake and family play fields to include a small soccer field and baseball fields. The project will also preserve over 750 acres of undisturbed land to the east to protect the Rappahannock River and to the south. Two sites are set aside for public schools.


Click here to view the current proposed plan for this property. (Click the backarrow to return to the website)



If anyone would like to view or print a map of the South Wales Trails, click on "Grounds Committee" on the left side of this Homepage.  You will find the links to the trail maps at the top of the page.


                                           BENCHES FOR SOUTH WALES TRAILS

Your South Wales Community Association installed two benches on our trails last year - one on the Somerset trail near the bridge and one on the Donnington trail near the bridge. (see the picture below)  Many folks have commented on how nice they are to take a little rest or just enjoy the natural surroundings.  There have been several inquiries by members regarding the possibility of donating  additional benches.  The cost to procure and install a bench is approximately $450.00.  If a member or members would like to sponsor the donation of a bench the cost to the member would be $300.00 and the SWCA would absorb the additional cost.  A plaque would be placed on the bench with the wording chosen by the donor/donors.  It may be in honor of someone or in memory of someone or just list the donors names and the date.  At this time the Association has authorized the expenditures associated with four additional benches with the participation of donors as outlined above.  Locations of additional benches will be determined by the Grounds Committee in conjunction with the donor and approval by the Board.

If you would like to sponsor the donation of a bench or would like more information please contact Tom May on 540-937-4613 or .


FOR SALE Blower: Troybilt hand held leaf blower. Used twice. $50.00


2013 Honda Accord EX for sale; excellent condition; 86K miles; $10,500. Call David Armor 540-937-3581.


We have a gently used baby crib with a brand new mattress for sale for $20.00. Please let me know if you are interested. (see pics below)

Betty Trivette  210-884-0081





Free basketball hoop on stand. It is on our driveway. Come take it and enjoy.

3200 Somerset Drive


We have a large stainless steel gas grill for sale. Used very little just too big for us. Asking $100. It's in excellant shape. Call 540-219-1518 if interested. Sue Puffenbarger



If anyone needs help in snow removal only in South Wales I can be reached by phone at
703-851-2712. I live on the corner of Somerset and Berkshire Drive.  Glenn Younes

BABYSITTER SERVICES                                                 Posted 11-5-2017 Updated 5-24-2019

Babysitter services available in South Wales. Ashley Lauritzen is a rising sophmore student, age 15, who has successfully completed the Fauquier Hospital babysitter course. She also has several years experience working with children in her church kids/toddler/infant ministry . She can be reached at 540-937-6459 or

BABYSITTING SERVICES                                                                        Posted 5-30-2017

I am a rising Junior at George Mason University. I am looking for work over the summers and am interested in babysitting within the community. I am Red Cross CPR and AED certified and have experience babysitting and working in a preschool. My phone number is (540)423-7218. Thank you, Abigail Thompson

PIANO LESSONS                                                                                 Posted 1-23-2017

Hello! My name is Dana Wonch and I am piano teacher residing in South Wales since August 2013. I have openings for private piano lessons in my home at 3458 Stratford Dr. I have been teaching for over 20 years, and teach beginner through intermediate level piano to children age 5 and up. My students have the opportunity to perform in Piano Events at the National Federation of Music Clubs Festival in Manassas. For more information please call me at 540-937-4239 or e-mail at


I am available for Spanish tutoring. I worked as a Spanish teacher at Benedictine University in Springfield, IL. I have also worked elementary, middle and high school levels. I have over 12 years of experience as a teacher and tutor. Recently moved to the South Wales community. Please call Irma Jimenez at 217-391-6705

Welcome to the South Wales Community Association website

If you are just joining the website please click on the link on the Homepage TO REVIEW THE TERMS OF USE POLICY then click on "JOIN HERE" and then click on your name and follow the instructions for your initial logon.  PLEASE NOTE THE FOLLOWING IN COMPLETING YOUR INITIAL LOGON: Your last name should appear ONLY in the "last name/maiden name" field DO NOT use the "married name" field.  You will establish your password here; please make a note of it.  The site will step you through the process.  Please be sure to enter your email address again on page 2.  Be sure to check the box allowing ONLY logged on members to see your profile details including your email address.   In order to foster communication between members we are also suggesting you check the boxes allowing comments from members on your profile and allowing  other members to send you instant messages through the website.  Once you complete the initial logon you may now enjoy the website.  Please see the Homepage for feature descriptions and navigational instructions.  ENJOY YOUR WEBSITE!

If you are a returning member please logon using your email address and password.  Additional feature and navigation information is on the Homepage.

Welcome to the South Wales Community Association Website. This is the official website for the South Wales Community Association.

The purpose of this website is to provide neighbors with a simple means of communicating, a place where we can stay informed and interact with each other.

Designed for the exclusive use of the members of the SWCA and Guest Members, it is a secure, password protected site, and those who join will be asked to comply with the conditions of the 'Terms of Use' policy.  There will be no outside advertising.

The site is being introduced as a work-in-progress; your suggestions and comments are welcome as development continues.  Current features include:

.  Board of Director Meeting Minutes, to be a rolling 12 months

.  Board of Director updates on important issues

.  Email contact to any active member including Board & Committee Chairs

.  Committee information - duties, responsibilities and activities

.  SW Community News (newsletter), and other newsworthy articles

.  Listing of Top Shops/Services and Resident Owned Businesses

.  Photo Galleries

.  Posting of announcements, items for sale, upcoming events etc (restrictions apply)  

.  Local Neighborhood Directory & Emergency Numbers

.  Chat Groups to allow private and open discussion among members

.  Message Center allowing messages to be sent to a member or group

.  Member Profiles - controlled by member (contact and other information)

.  Link to Architectural Change & Approval Form (Covenants Committee) 

. Member Forums - Posting/Discussion of various topics and also a sharing of stories. 


Please click on the link below to review the TERMS OF USE POLICY for this website which must be accepted at the time of joining the website:









This website is for the exclusive use of the Members of the South Wales Community Association and Guest Members.  It is a secure, password protected website.  It is designed to promote communication among our members and between our members and our SWCA Board, Committees, and other volunteers in order to make us a better informed more cohesive community. 

After you sign on, you will notice a box on the upper right of the Homepage entitled "Profile Updates".  This will show the names of members who have recently updated information on their profiles.  They may have added comments, pictures or updated contact or other profile information.

At the top of the Homepage is a selection bar; clicking on "Home" will always bring you back to the Homepage.

Clicking on "Contact Us" will allow you to send a message to the Website Administrator.  Use this feature if you have a problem or need a question answered about the website.

Clicking on "Member Topic Discussions" will allow you to enter a discussion with other members about any specific topic to ask or answer a question etc. or to relate a story to share. Topics are single threaded.  These forums are open to all logged on members and may be viewed by any logged on member.

Clicking on "Member Profiles" will bring up a listing of all members.  To find a particular member instead of scrolling down the list, just click on the search button and you may search by first name, last name or partial name, then click on the name you want.  You will then be taken to the member's profile which will contain any other information the member wishes to share as well as pictures.  You may also make a comment about the member's profile or send a private email message directly to the member through the website.


SW Photo Galleries:  This area will contain photo galleries of general interest to all members.  Currently there is one gallery containing photos taken at the 2011 Holiday Party.  The photos are courtesy of Kim and Denise Williams.

Message Forum:  Allows any logged on member to post a comment or question on any topic of general interest to the community.  This area is not single threaded by topic

Live Chat:  This will allow any logged on member to join a live chat.  There are excellent instructions there on how to participate and how to share information with others in the chat.

Emerg/Local Numbers:  This will bring up a listing of frequently used emergency and local numbers including your SWCA Board members and Committee Chairmen and other SWCA contacts.

Top Shops:  This will bring up a listing of SWCA member recommended vendors by category.  If available, it will also list the last name of the recommending member and the year of the recommendation.  If you have a vendor to add, please contact Joe Kreck at the email address shown.  Also listed in a separate section are SWCA member owned businesses.

South Wales News:  This takes you to the latest edition of the South Wales News (Newsletter) which may be read online or printed.  Also other newsworthy items of interest will appear here from time to time which may be read or printed.

SWCA Board Minutes:  This will display the latest approved minutes of the meetings of the SWCA Board of Directors.  We plan to try to keep a rolling twelve months of minutes online.

Neighborhood Watch:  This will bring up info regarding our Neighborhood Watch Program, ways members can volunteer to assist in the effort, and links to state and local crime information and notification programs.  There will also be articles from time to time specific to reports for South Wales.

Grounds Committee:  Provides information about the duties and responsibilities of the Grounds Committee and any timely information of grounds projects planned or in process.

Social Committee:  Provides information about the duties and responsibilities of the Social Committee and a proposed schedule of events for the year.  Also, additional information will be provided from time to time regarding details of upcoming events.

Covenants Committee:  Provides information about the Covenants Committee, which is critical to maintaining our covenant community.  There is also a link to the Architectural Change and Approval Form to enable printing of the form.  In accordance with our covenants, this form must be submitted to and approved by the South Wales Covenants Committee before any work commences. There is also a link to the current Architectural Standards.

The next section of the selection bars on the left side of the Homepage is entitled "Member Functions".

Notify Me:  Clicking here will allow you to receive an email when there are new postings to our website. You can decide which type of postings you would like to know about.  It's a nice new feature.

Message Center:  Clicking here will allow you to send a private message to any member or group of members or to open a message from another member.  Only you and the sending or receiving members may see these messages.  Click on "compose message", key in the recipient name, click on the name, compose message and send.  To view previously sent messages click on outbox, to review incoming messages, click on inbox.  You control keeping or deleting messages in your inbox and outbox.

Edit Contact Info.:  Allows you to change or add to your contact information - name, address, phone numbers, email addresses.  Always click on "save changes" at the bottom of the screen to save any changes you have made.

Edit Profile:  Allows you to change or add profile information, email address, comments, adding pictures and information to share with other members.  Be sure to click on the box to allow only logged on members to see your profile information and also be sure to click on the box to allow logged on members to see your address and phone number information to allow our website to function as an online directory.  Always click on "save changes" at the bottom of the screen to save any changes you have made. 

Edit/Upload Photos:  Click to add or change photos on your profile.  Follow instructions which step you through the upload of photos.

Post Announcement:  Allows you to post information which may be of general interest to our members such as community events or personal items you may have for sale.  This area is NOT for items you may be selling in your business nor any business type advertising.  Please be sure to put an expiration date on your announcement.  If no expiration date is put on your announcement, 30 days will be placed on items for sale and event announcements will have an expiration date of the day after the scheduled event.  All announcements will be routed to the Website Administrator for review prior to posting.

Change Password:  Allows you to change your password whenever you wish.  Just be sure to make a note of it and do not share your password with anyone.  The Website Administrator cannot see your password but can issue you a temporary password.  If you forget your password, you can so indicate on the signon screen and your current password will be sent to your email address.

Log Out:  Clicking here logs you off of the website.  Please be sure to logoff before exiting the website.


To the right of the Homepage there is a box showing who is currently on line.  By placing the cursor on the member's name you can go directly to that member's profile or you can invite them to a private chat.  You can invite more than one logged on member at a time to a private chat and only you and the others you have invited can see the dialogue, a very nice communications feature.  There are excellent instructions in the chat for participating and for sharing information. 


We hope these feature descriptions and navigational instructions will help you to understand the basic features of the website and how to navigate around the site.  If you experience any problems or have questions please contact the Website Administrator through the "Contact Us" at the top of the Homepage.  We hope you enjoy the website and please be sure to add information and pictures to your profile to share with your fellow members.  We will be adding features from time to time but please remember this is a volunteer effort and we are constrained by software and time.


James Hawkins, CMCA®, AMS®

Community Manager


4330 Prince William Pkwy, Suite 201

Woodbridge VA 22192


Direct: 703-565-0042

Fax: 703-866-3156