polofebruary2022 by KDA & Tlehs

THE

OFFICIAL

NEWSLETTER

THE

POLO

GOLF

AND

COUNTRY

CLUB

HOMEOWNERS'

A S S O CI AT I O N

FEB 2022

FEB

HOA MEETING 6:30 PM Zoom info will be sent prior. Please make sure you’re registered on Polohoa.com to receive this and other neighborhood information.

February Highlights

SAVE POLO FIELDS PARK

VERTICAL GARDEN

POLO CLASSIFIEDS

page 4

page 8

page 20

ONLINE newsletter! bit.ly/polofebruary2022

A BRAND NEW SEASON

of ClubLife Awaits

Experience a haven like no other, a destination for the area’s busy professionals and active families to enjoy an elevated and exciting lifestyle that caters to their every need. Polo Golf & Country Club is that place. Here you’ll find an idyllic oasis of world-class amenities and one-of-a-kind experiences, with something for every member of the family to enjoy. Join the Club community and explore all the fun that awaits, including: • • • •

18 holes of championship golf, voted by Forsyth County as the Best Golf Course two years in a row Elegant décor and stunning views over a meal and glass of wine Tennis courts and resort-style pools Year-round social programming that lets you connect with friends and family

Ready to learn more? Let us give you all the details! 770.406.4969 | pologolfandcountryclub.com

*Benefits are subject to the benefit terms and conditions, which may be found on clubcorpnetwork.com. Membership application or conversion form required, and membership is contingent on successful completion of the Club’s enrollment process. All offers are subject to availability. Other restrictions may apply. See Club for details. © ClubCorp USA, Inc. All rights reserved. 1121 MR

The Polo Ne wsle tter // Februar y 2 02 2

COMMUNITY COMMUNICATION Polo Homeowners, 2022 HOA BOD

POLO COMMIT TEES

President, Lisa Stortzum

Architectural Control Committee Chair Patrick Burch

LISA@polohoaboard.com

Vice President, Jonathan Brinson JON@polohoaboard.com

Treasurer, Bill Telzerow BILL@polohoaboard.com

Member-at-Large, Jason Martin JASON@polohoaboard.com

To reach all the board members please email: BOARD@poloHOAboard.com

ACC@polohoa.com (An ACC form may be found on POLOHOA.com)

Club Relations, Ray Drummond CLUBRELATIONS@polohoa.com

Community Manager, Jasmin Ilazovic jIlazovic@cmacommunities.com.

Digital Media Manager, OPEN Landscape Committee, Debra Revelle LANDSCAPE@polohoa.com

Social Committee, Whitney Dylan

Many have asked how they can receive important communications regarding events and updates.

Facebook–The Oﬃcial Polo HOA Social and Events The Official Polo HOA Social & Events Page This is the new official page for everything Polo HOA related... from events to community information and so much more. We are here to connect our amazing neighbors to each other and take this community to the next level. This is a closed group for Polo residents only.

** POLO GOLF & CC FACEBOOK PAGE ** The Facebook page "Polo Golf and Country Club Homeowners" is maintained by a private individual and does not reflect the views of the Polo Homeowners Association Board. If you would like to contact the HOA Board of Polo Homeowners Association please do so on our website www.PoloHOA.com.

SOCIAL@polohoa.com

Technology Committee, Denise Architetto TECHNOLOGY@polohoa.com

Welcoming Committee, Whitney Dylan WELCOME@polohoa.com

Zoning Committee, Lisa Stortzum ZONING@polohoa.com

770-623-6220 sales@kdacommunications. com

Want to submit something for the newsletter? It's easier than ever… Email newsletters@tlehs.com to be added to the contributor list! Submit by the 20th, and your submittal will be in the coming newsletter, printed in the 1st week of the next month (only 10-day lead time needed!) Note: Your submission will be reviewed for approval by a Polo appointed editor.

The Polo Newsletter is a publication of KDA & Tlehs. Subject matter published is the opinion of the author and does not necessarily reflect the opinion of the publisher of this newsletter. Professional advice should be obtained before making any decision in which a professional is readily available. Advertisers assume responsibility for the content of the ads placed in this publication. Material published may not be reproduced without the written permission of KDA & Tlehs. The contents of this newsletter are provided for the members of the Polo Golf & Country Club neighborhood as a courtesy only. No representations are made as to information presented, the quality of the goods or services advertised, or the veracity of the statements relating to the goods and services. The printing of opinions, information or advertisements does not constitute an endorsement by the neighborhood of such opinions, information, goods or services. P o l o G o l f a n d C o u n t r y C l u b / / www.polohoa.com

SAVE THE POLO FIELDS PARK he Polo Fields Park is located in District 3 of Forsyth County Georgia, and it has been an integral part of our community since it was developed in 1986. The park originally served as a Polo Field, and the original owner hosted several players and teams from Europe and South America. Prince Charles and the British Polo team, headed by Major Ronald Ferguson have played on the Polo Fields. Sadly, the original owner passed away in 2002 and the property was passed to his Heirs. Since that time, they have allowed the Polo Fields, zoned R2R residential to be used as a park, and today it hosts over 1000 young soccer players, and a stable with horses. The Heirs to the Polo Fields have decided it’s time to sell, and are currently working with Century Homes to build 58 homes on this beautiful park. Not only would this planned subdivision add to an already dangerous traffic issue, the increased water runoff is planned to empty into a beautiful wetlands pond in the middle of our community. Upon learning about this plan, the surrounding community, the Polo Fields subdivision, tried to find any way to stop homes from being built. The Polo Fields HOA discovered that Forsyth County had purchased land nearby to develop as a park to be named Denmark Park, and after the purchase they lost funding to develop the land into a park with 4 fields. Given that it was roughly the same size as the Polo Fields, the Polo Fields HOA went to our District 3 Commissioner Todd Levent, and asked him if a land swap would be possible. Century Homes could go on a large portion of the land where the planned Denmark Park is, and then Forsyth County would buy the Polo Fields, which is already being used as a park, with 6 active fields. Mr. Levent loved the idea, and has taken it forward. He first met with Parks and Rec and the Forsyth County Attorney, and they agreed it was a good idea. Todd, along with Parks and Rec, have had meetings with Century Homes, and worked out a deal, but the deal will require the land purchased for Denmark Park to be rezoned. Todd Levent has initiated the request, and the other Commissioners agreed to open up the zoning process, but we need your support to make this happen. All of the Commissioners have to vote and agree upon this zoning request, and if it passes they will have the ability to do the land swap. Please sign this petition to show the Commissioners that you are in favor of saving the beautiful Polo Fields park that is the home to over 1000 young soccer players who will have nowhere to go if the park goes away. Youth programs such as this are integral to our community, and given the high rate of development, we need to preserve this green space. You can sign by going to: www.petitions.net/save_the_polo_fields A link is also on the HOA homepage: www.polohoa.com

The Polo Ne wsle tter // Februar y 2 02 2

P o l o G o l f a n d C o u n t r y C l u b / / www.polohoa.com

These events may be cancelled in order to comply with CDC recommendations. Please check with the coordinator for details.

P o l o 's

S oc ia l C ir c le

Polo HOA Social Event

SAVE THE DATE!

F3 ALPHA FITNESS • FELLOWSHIP • FAITH

Free Men's Workouts! F3 has recently launched a new workout location at Midway Park, which in close proximity to Polo, additionally there are a few other workout locations (Fowler Park, Sharon Springs & Halcyon) in the area. Here is the schedule for each location: Sbaron Springs Park (Cumming), on mondays at 5:30 am • Fowler Park (Cumming), on wednesdays at 5:30 am • Midway Park (Cumming), on fridays at 5:30 am • Halcyon (Alpharetta), on saturdays at 7:00 am F3 Alpha : www.f3alpha.com

POLO MEN'S BREAKFAST NEW WEBSITE! WWW.POLOMENSBREAKFAST.COM

Open to ALL men of the Polo subdivision, Vickery, and surrounding area. Club membership is NOT required. Cost is $10 paid at the door. Great buffet breakfast!

GOAL: To build a sense of community among all men in the Polo and Vickery subdivisions and surrounding area through a quarterly breakfast where we get to know each other and share about activities in our community, civic organizations, churches, and the Polo Club.

INVITE FRIENDS! Invite a neighbor! If you are planning to attend please consider asking a neighbor to join you who has not attended before.

Polo Easter Egg Hunt Saturday, April 16th At 2pm Polo Outdoors

FOR INFORMATION: Heinz Wegener 770-886-8005 ext 222 | 404-213-7628 | heinzw@mindspring.com

POLO WOMEN'S BOOK CLUB The Polo Women's Book Club includes women from the Polo Subdivision and surrounding area. We meet the fi rst Friday of each month at the Polo Clubhouse at 11:00 a.m. A new book is discussed each month. Sometimes we have guest speakers or plan a fun outing. To connect with us prior to the next luncheon and see the upcoming book, check out the Polo Book Club Facebook page or call Perrie Tucker at 678-642-3369, email perrietuck@mac.com. We encourage newcomers and friends!

MAGNIFICENT MOMS OF POLO FIELDS

Calendar from the Club

Every Wednesday Wednesday Night Supper 1st and 3rd Thursdays Trivia 2nd and 4th Thursdays Prime Rib Night Every Friday Friday Night Out

The Polo Ne wsle tter // Februar y 2 02 2

You’re cordially invited to join our new Facebook Group, Magniﬁcent Moms Of Polo Fields. We’ll be posting Neighborhood Play-Dates, Mom’s Night Outs, Parent Socials, Local Events, Sharing Stories, and much more. WANT IN?! Simply type in “Magnificent Moms Of Polo Fields” in your Facebook search bar, click on the Group, then click Join Group! Melinda Jenkins | Social Committee Chair

FORSYTH-CUMMING OPTIMIST AVENUE OF FLAGS Show Your Patriotism!

Picture your street lined with flags for the patriotic holidays! ForsythCumming Optimist Club members will place a 3’ x 5' American Flag on a 10 ft. pole in front of every subscribers’ home or business! • Memorial Day, Flag Day, Labor Day through 9/11 Day of Remembrance, Veteran’s Day, President’s Day • Visit our website for all the details: www.fcoptimists.org. Proceeds help fund youth scholarships, and many other Club supported initiatives for Forsyth County Youth.

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DIY Vertical Garden Submitted by Rachel Kerven

ardening can be hard. Especially, when you have more plants then you have space for a garden. People love to brag and show off their luxurious large gardens, but for some families that set up is just not optimal. Whether you have a small back yard or you want to have a large indoor garden, vertical gardening is a solution for you. The concept for vertical farming or gardening isn’t a new one. The idea stems back to the layered grow systems of the South American natives and the rice terraces of Eastern Asia. More recently, the term “vertical farming” was initiated by an American geologist, Gilbert Ellis Bailey, in 1915. Further on during 20th century

The Polo Ne wsle tter // Februar y 2 02 2

agricultural scientists created vertical farming systems to combat the ever-increasing global population. More food. Less space. These words essentially running through the heads of these scientists when they created this system. Vertical gardening, however, is the same concept in principal, but on a much smaller scale. What you may be thinking right now is. How the heck could I ever afford a vertical garden? Which can be the case if you buy one of the premade vertical gardens. However, if you were to create your own it will be way less expensive and you can customize it more to fit your garden’s needs.

More Food. Less Space. First things first, buying the materials. To begin you will need a multilayered wire rack/shelf, LED grow lights equal to the number of shelves, safety zip ties, electrical tape, an electrical strip, and containers with soil specific to the plants. You should be able to find all these items at your local home depot, but if you cannot find the LED grow lights you can order them off Amazon. An alternative location to find cheap wire shelfing is Walmart. Once you have all of your materials then you can begin to build your vertical garden. First, find a location in your home near an electrical outlet where you can fit a new shelf. Then build your wire shelf according to the instructions of whichever shelf you purchased.

Next is when you begin the modifications to your wire shelf. Begin by attaching one of your indoor grow lights to the top of each shelf layer. These lights will replace the need for sunlight when growing plants indoors. To do this, place the grow lights on the underside of each wire shelf layer and attach them with your zip ties. Zip ties are essential when attaching your grow lights to the shelves since they unlikely to break without excess force. Next, use your electrical tape to tape the light’s wires into place, so that they do not get in the way of watering the plants. The best place to do this is down the side of the shelf on the side closest to the electrical outlet. Then plug in the electrical strip, since each grow light will need to be plugged in separately. Lastly, plug in each glow light to test if they can be turned on and off. Now that your vertical grower is set up it is up to you to place in your plants at your leisure. Have fun planting!

Article written by Rachel Kerven, a graduate from Georgia Gwinnett College, where she received her B.A. degree in English Writing & Rhetoric. She is currently pursuing an Associates degree in Vetrinary Technology at Gwinnett Technical College. Please contact rachel.a.kerven@gmail.com for all other inquiries.

P o l o G o l f a n d C o u n t r y C l u b / / www.polohoa.com

UPDATE FROM YOUR VP: YOUR POLO HOA CONTINUES TO MAKE YOUR NEIGHBORHOOD BETTER AND SAFER. You may have noticed the new "STOP" stenciling on the major arteries within the neighborhood (and there are more to come). This is to ensure motorists know exactly where to stop for the various stop signs and further ensure everyone's safety. We continue to get complaints regarding speeding in our neighborhood and we ask that everyone obey the speed limit and stop signs at all times, day and night. If you are late for something and must speed then do it outside of our neighborhood. We want to continue having a safe and neighborly environment for the many people who walk, run, and bike on our streets. Please get to know your neighbors, drive slowly, and wave. This is our neighborhood and it is everyone's responsibility to make it what we want.

PLEASE READ

ACC REQUESTS he Polo ACC is proud to now allow our homeowner's to submit their ACC Requests electronically through the Community Website. You will need to log into your Polo Homeowner's Association Website Account and click on the Hyperlink as shown below. Paper forms are no longer accepted.

The Polo Ne wsle tter // Februar y 2 02 2

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TRASH BIN NOTICE he trash bins at Polo Outdoors are provided as a courtesy. They were put in place so residents have a place to put trash from gatherings at Polo Outdoors.

We have been seeing an increase in household trash being dumped in the trash bins. The trash bins are not in place for residents to dump their personal trash from the week. Please be respectful of your community and do not take advantage of our amenities at Polo Outdoors.

UPCOMING FORSY TH COUNT Y MEE TINGS FEB

The first Thursday of each month Forsyth County has public hearings for planning matters.

If there is interest in contacting an oﬃcial on a particular application, the recommended step is to email the Planning Commission after a public participation meeting has been conducted: PlanningCommission@ForsythCo.com

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The Polo Ne wsle tter // Februar y 2 02 2

FEB

Forsyth County commissioners meeting are held the 3rd Thursday of each month at 5 pm.

Join us in the Commissioners’ Meeting Room, Suite 220 in the Forsyth County Administration Building located at 110 East Main Street, Cumming, Georgia 30040. All interested persons are encouraged to attend.

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P o l o G o l f a n d C o u n t r y C l u b / / www.polohoa.com

T FEC

A S I TH

U! O Y S ital Your dig directory at: le ab avail

dd.Tlehs .com/

DIRECTORY UPDATE In an effort to have a correct directory we ask all residents create an account at www.PoloHOA.com This will enable you to:

PF14-ws zr2 9

B Vote online B Receive Eblast of community events and notices. Please update your contact information at www.PoloHOA.com under "Resources." To create an account visit the website and click “Register” in the top right corner. If you have any issues please email technology@polohoa.com.

Polo HOA website: www.PoloHOA.com

Polo Golf

& Country

Club

2018

ATTENTION DRIVERS!! Please remember to use parking lots at the tennis courts and pool. Do not park on the street. This will help traffic around the courts and the safety of all.

POLO LADIES GOLF ASSOCIATION

Leagues & Tournament info!

League play Thursday mornings • Non-competitive golf Tuesdays The PLGA is a friendly, competitive group of women who enjoy playing 18 holes of golf. Our league play is on Thursday mornings, but we also have a non-competitive golf day on Tuesdays. We have a number of tournaments throughout the year that provide a challenge with friendly competition. Just a few examples of these are: Member/ Member, Member/Guest, Net Tournaments and Queen of Clubs. If you are interested in joining our group please contact: Jeanne Young | 770-855-4383 | Jyoung47golf@gmail.com

Golf play may be cancelled in order to comply with CDC recommendations. Please check with the coordinator for details. 14

The Polo Ne wsle tter // Februar y 2 02 2

NOTES ___________ ___________ ___________ ___________ ___________ ___________ ___________

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LOOKING FOR A SATURDAY GOLF GROUP?

he Renegades are looking for guys who enjoy golf and wish to meet new friends. Our friendly, Saturday morning games have plenty of fun along with great exercise and camaraderie. If this fits your game plan, contact the Golf Shop or Alan Thompson 678-488-1659. We would love to have you join the Renegades.

Golf Reminders BE SAFE! FRIENDLY REMINDERS FROM POLO HOA Please remember that when walking or jogging through the neighborhood you should be facing (walking into) traffic. This allows you to see oncoming vehicles and allows you to get your pets out of the way as well. If you are on a bicycle (or moving vehicle) you should be going in the same direction as the traffic.

GOLF CARTS General Federal Law for Golf Carts: Under current NHTSA interpretations and regulations, so long as golf cars and other similar vehicles are incapable of exceeding 20 miles per hour, they are subject to only state and local requirements regarding safety equipment. However, if these vehicles are originally manufactured so that they can go faster than 20 miles per hour, they are treated as motor vehicles under Federal law. The standard requires low-speed vehicles to be equipped with headlamps, stop lamps, turn signal lamps, tail lamps, reflex reflectors, parking brakes, rearview mirrors, windshields, seat belts, and vehicle identification numbers.

GEORGIA GOLF CART & LOW SPEED VEHICLE LAWS Guidelines for Golf Carts and PTVs (Personal Transportation Vehicles)

The Polo Ne wsle tter // Februar y 2 02 2

Only those who have a valid driver’s license are allowed to drive a golf cart ALONE. If, however, the driver is at least 12 years of age and accompanied by a licensed adult age 18 or older, they may operate the golf cart. EXCEPTION: If the driver is 15 and holds a permit, he/she may operate the golf cart alone. Golf carts may only operate on streets with posted speed limits of 35 MPH and under. This does not prohibit golf carts or lowspeed motor vehicles from crossing any road or street at properly marked crossings.

REQUIRED GOLF CART EQUIPMENT All golf carts must have braking systems, a reverse warning device, tail lamps, a horn and hip restraints and must weigh less than 1,300 lbs and not top speeds of 20mph. Golf carts that are operated between sunrise and sunset must be equipped with headlights, brake lights, turn signals, and a windshield. Golf carts that do not meet these additional standards shall only be operated during the hours between sunrise and sunset.

ADDITIONAL GOLF CART RELATED INFORMATION Golf carts may be operated on sidewalks only if the driver yields the right-ofway to all pedestrians, bicycle riders or others not using a golf cart.

NOTICE! The golf course is private property and can be very dangerous for those engaging in nongolfing activities. For everyone's safety, NO unauthorized use is allowed including walking, jogging, fishing, pets, bikes, skateboards and personal golf carts. Only club staff, and golfers who have checkedin with the Golf Shop, are allowed on the golf course. Thank you for your understanding.

Here is the latest Community News regarding the Polo Senior Men’s Golf Association (PSMGA)… It is with sincere pleasure we would like to welcome the new duly elected 2022 board of directors of the PSMGA. Walt Kneuer, Bill Gregory, Bobby Wesley and Paul Lipari. These new members will be serving along with Peter Joyce, David Johnson and Robbie Castleberry. The board’s primary function is to provide leadership for the PSMGA in various golf tournaments and social activities, along with coordinating with the North Atlanta Senior Men's Golf Association for 8 match play tournaments at various member golf clubs in 2022. Dates for all activities will be published in upcoming Polo Golf & Country Club monthly newsletter. So, if you are a male, 50 years of age or older who is a member in good standing in the Polo Country Club, join the PSMGA and your Polo Community neighbors for Golf and sportsmanship. Additional information and sign up forms are available at the Polo Pro Shop… “Thank You” to our Generous sponsors for their participation & support that help our Tournaments and Social events possible.”

P o l o G o l f a n d C o u n t r y C l u b / / www.polohoa.com

Economics Gets Personal Money Management, Pure & Simple Submitted by Michelle Manganiello

The Polo Ne wsle tter // Februar y 2 02 2

healthy lifestyle means eating well, exercising frequently, getting enough sleep, and maintaining a productive work-life balance. But what is the missing piece here? Money, because we also need positive financial habits for economic health. These habits are critical: think attitudes and routines that cover feeling secure about your investments, paying bills on time, and affording things you enjoy. Essentially, managing money is about the personal and financial satisfaction in managing one’s life. Before delving into specifics, let’s touch upon the importance. Good money management helps you know how much you can spend, how to make wise financial decisions, and how to be aware of upcoming bills and debts you have to pay. Part of your relationship with money is also realizing that sometimes situations are out of your control, such as a job loss or financial emergencies. But regardless of your situation, by educating yourself and learning how to manage your emotional responses to your personal finances, you can seize back control. The steps to financial health are actually pretty easy. Learn how to budget; it’ll give you more control of your well-earned dollars and shine a red light on possible overspending. Create a plan with definite steps towards economic health: budget goals, savings, reductions in spending, or simply boosting income. Most importantly, be realistic. Financial goals are rooted in reality, so do what’s right: pay off debt. Learn new habits. Start saving! Unrealistic goals are well-paved roads to disappointment. Now, the fine print.

Budgeting It’s simply the process of knowing what you spend. A good rule of thumb is the 50/30/20 rule: 50% of your income is for needs; 30% goes to wants (and the less wants, the better), and the remainder is for savings and paying debt. Be diligent. Create a budget and stick with it. Even better: plan for the future: map out the next 6-12 months.

Maintaining good credit Credit history reflects how you’ve managed debt in the past and that history shows up in your credit score. This 3-digit number summarizes the information in your credit

report and can have a big impact on your financial future: creditors can use it to determine creditworthiness when setting up terms of loans and landlords use it when you apply for an apartment. Want to maintain this figure between the prized score of 670 to 800? Pay your bills on time, stay below your credit limit, don’t close old credit cards, apply for new credit cards only as needed, and check your credit report for errors.

Paying down debt Before you start repaying debt, take note of your debt type and determine how much you owe. Whether that’s credit card debt, student loan debt, mortgage debt, or something else, start by paying off the most expensive charges first. When you pay off the balance with the highest interest first, you increase your payment on your credit card with the highest annual percentage rate while continuing to make the minimum payment on the rest of your credit cards. You can also think about your habits by reflecting on how you spend money each day, week, and month. Ask yourself: what can I change without sacrificing my lifestyle too much? Also, consider earning more money by picking up a side hustle. Some can be done online and have flexible hours.

Investing and saving for retirement The most important advice for investing and saving for retirement is to start now. Why? Because of the magic of compound interest. And saving is a habit because the instinct to save grows as you do. So how do you make your account balance grow to get on the path of a comfortable retirement? Well, there are plenty of retirement accounts to choose from: 401(k)’s, 403(b)’s, 457s, I.R.A.s, Roth I.R.A.s, Solo 401(k)’s, and all the rest. What’s pertinent to know here are that these account options will depend largely on where you work. If your for-profit employer offers any workplace retirement savings plan, it’s probably a 401(k). Many smaller employers do not. If you work for the government, or a nonprofit organization like a school, religious organization, or a charity, you will probably be offered a 401(k), 403(b) or 457 plan. If your employer offers no plan or you are self-employed, I.R.A.s and Solo 401(k)’s are your new friends. Depending on your income,

you may be able to get a tax deduction for your contributions to a basic I.R.A. up to a certain amount each year. With the Roth, you pay taxes on the money before you deposit it so there’s no tax deduction involved upfront. Another variation on the I.R.A is a S.E.P (Simplified Employee Pension), and there is also a Solo 401(k) option for the selfemployed. Lastly, it’s generally best to keep all your retirement money in one place; it’s easier to keep track of that way.

Paying taxes Taxes are crucial because governments collect this money and use it to finance public projects. To prepare for the January 1st to April 15th tax-filing season, decide who will prepare and file your taxes and make sure your beneficiary designations are up to date. Do yourself a favor and increase your retirement plan contributions – the money you put in these accounts reduces your taxable income for the year, which reduces your tax bill. Ensure that you shield yourself from tax scams and fraud but don’t ignore the IRS. Taxpayers who don’t file returns and owe taxes, or who file but don’t pay taxes on time are risking serious penalties. The IRS can seize assets if necessary. Finally, know that financial wellness is a marathon, not a sprint. If you’re struggling with your economic situation, aim for small victories along the way—don’t expect to transform your relationship overnight. Be patient with yourself and be mindful of your spending habits. And by reading and following the advice above, you are already one step closer to having your money work for you, instead of working for your money. Article written by Michelle Manganiello. Michelle is a recent graduate from the University of Georgia, where she received two degrees in English and Romance Languages. Please contact manganiellomichelle@ gmail.com for all other inquiries.

P o l o G o l f a n d C o u n t r y C l u b / / www.polohoa.com

F RE E RE S ID E N T B U S IN E S S L ISTI NG

NOTICE!! We now require that residents submit their listing each month by the 15th. If you don't submit each month it will not be included. SUBMIT YOUR AD TO:

LISA@POLOHOABOARD.COM. YOUR NAME AND YOUR ADDRESS MUST BE IN THE SUBJECT LINE.

Please verify your ad meets the following requirements: • HOA Dues Compliant: All residents that are up to date on their HOA dues will be eligible to publish. • Only Polo Residents and Direct Family Living in Polo, submitting for personal business are eligible. • Ad must be submitted as an email, no attachments accepted • Ad is not over 50 total word/number maximum (phone numbers = 1 word)

ALLSTATE INSURANCE AGENT – RYAN J. DITTMAR Email: ryanjdittmar@allstate.com Office: 770-242-6355

Since 1999 I’ve been helping my clients protect what’s most important to them. I enjoy building relationships, getting to know families, and truly understanding their individual needs. I recognize that in today’s world a “One Size Fits All” approach doesn’t always work. If you’re concerned that your house might not have enough coverage or if your liability from car accident could wipe out your bank account, give us a call. We’ll be happy to review your AUTO, HOME, BUSINESS & LIFE INSURANCE needs. Our goal is to provide the protection you need with the exceptional service you deserve!

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TRAVEL AGENT, JESSICA MCKEE TRAVELMATION 513-884-1773 or jessica@travelmation.net

Travel better with the expert assistance of a professional travel agent. You'll travel worryfree because I'll read all the fine print for you. You'll save time and money because I've trained in specific destinations and resort chains. And my services are complimentary to you. Sounds too good to be true? Contact me today and see how easy it is to travel better!

BROOKLINE BAKERY Email Address: brooklinebakery@gmail.com Phone Number: 678-439-7233

Baking from the heart! I would love to help with your Valentine's Day baking, or any celebrations where a personalized treat is needed! I specialize in decorated sugar cookies, cupcakes, and cake pops. I also do edible prints, allowing for images, logos, and more on your personalized treats. Customize your order to your favorite colors, flavors, and designs. Contact me now for a free quote and to secure your spot for a Valentine's Day order. Free delivery to Polo residents.

REALTOR® , MAC TAYLOR, KELLERWILLIAMS REALTY COMMUNITY PARTNERS 404-271-9551 or mactaylor@kw.com

Call or email me for a no cost, no obligation comparable market analysis when you are ready to sell your home. Also tell your family and friends to contact me for help getting the highest price in the shortest time using advanced technology.

DESIGNS BY SUSAN NO GA CABINS JUST AN HOUR AWAY IN CLEVELAND CLOSE TO HELEN, WINERIES, HIKING AND FUN. Vrbo * 2106214 * 3 bedrm 3 bath Vrbo * 2516719 * 2 bedrm 2 bath for photos and info Email sudaliatyonah@gmail.Com let me know you are a polo resident for a discount.

Polo Listing Disclaimer The Polo Home Owners Association reserves the right to reject, alter, or refuse any advertising published under the “Free Resident Business Listing” (editorial section of the monthly newsletter) in its sole discretion or disapprove any advertising in accordance with the interest of the Polo residents. We reserve the right to revise this Publishing Policy regularly to uphold the quality and integrity of both Polo HOA Newsletter and the Polo HOA website in its entirety.

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Since 1987 we have been a locally owned and operated Custom Picture Frame Store. Our professionals handle your old photos and cherished art work with care as we provide structure, beauty, and preservation. Realtor, Dale Arnold

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