Lake Currents- November 30, 2018

The OďŹƒcial Newsletter of the Lake of the Woods Association, Inc. Vol. 16, No.16

540.972.2237

LOWA.org

/LOWAssociation

November 30, 2018

New Year’s Pony Camp

:KHQ -DQXDU\ $0 30 $JHV

Price $175 for LOW Residents $200 for Non-Residents Great for kids who have never ridden or do ride but would like to spend more time at the barn.

Learn grooming, horseback riding and winter care for ponies.

Please pack a snack We will provide hot chocolate for campers!

We invite you to join us for the Annual LOWA Member Holiday Party!

Sunday, December 2 1:00 PM - 4:00 PM At the Clubhouse Partake of our fabulous hors d’oeuvres buffet, socialize with friends or meet new neighbors.

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Call 540- 72-2238 or e-mail bhutchens@lowa.org to reserve your spot. Call today, only 6 spots available!

LETTER TO MEMBERSHIP

Regarding the financial investigation into irregularities identified during annual audit.

Page 2

President's Letter 2 Agenda 2 CARC Update 3 Board Minutes 3 General Manager's Column 3 Financials 4, 6 & 7 Association News 2-11 Calendar 9, 12 Viewpoints 16 Orange County 17 Classifieds 18-19

Friday, November 30 Christmas Tree Lighting 4:45 PM, Clubhouse Saturday, December 1 Christkindlmarkt 9 AM-3 PM, Community Center Wednesday, December 12 LOWA Regular Board Meeting 2 PM, Community Center

NOTICE 9.9 Leaf/Brush Area: Winter Hours: (Dec. 1- Feb. 1) Daily 7 AM-5 PM

LOWA Website Links Clubhouse Area Recreation Complex Info LOWA.ORG/CAPITALPROJECTS dwellingLive LOWA.ORG/DWELLINGLIVE Lake Currents online: LOWA.ORG/LAKECURRENTS

Association News Lake Currents November 30, 2018

President’s Letter

by Clifton D. Wilks

Dear Members of the Lake of the Woods Association, I am writing to follow up on the financial irregularities that were identified during the annual Association financial audit this past summer. We have received the report from the Forensus Group on the losses incurred due to alleged inappropriate activity of our former Director of Finance. As previously reported by the president, the Board engaged the services of Forensus to conduct an objective, independent, forensic accounting investigation. The work was performed by former Department of Justice experts including a Certified Fraud Examiner in accordance with American Institute of Certified Public Accountants procedures. The complete report is available on www.LOWA.org/Forensus, (member login required). It will also be published in an upcoming Lake Currents. Their findings are summarized as follows: The Forensus report identifies “We have filed a claim numerous transgressions committed by Roy Mayberry, however Mr. Mayberry for the loss with our has not yet been officially charged insurance carrier.” with a crime. Forensus identified 95 transactions totaling $457,197.34 of seemingly improper payments made to Roy Mayberry’s personal Paypal account. Forensus determined that Mr. Mayberry’s scheme involved making electronic payments directly to his account from LOWA’s operating bank account. These improper transfers were hidden by inflating the values of our fixed assets balance, meaning that he showed the value of LOWA property as having increased during a given fiscal year without there actually being a physical increase. The transactions began on June 19, 2014, and ceased on January 2, 2018. There was no evidence of the Paypal scheme in any of our other LOWA’s Bank accounts.

Forensus found no evidence of additional material misconduct (such as skimming, credit card fraud or fraudulent invoicing) by Mr. Mayberry, nor did they find evidence of collusion among other LOWA employees, or anyone else. Audits from 2015, 2016 and 2017 did not detect Mr. Mayberry’s scheme. It was found by our field auditor during the current audit year, thus delaying our final audit report. These losses occurred under various Auditors, Treasurers, Directors of Finance and Boards of Directors.

We have initiated revisions and “Members will NOT enhancements to our internal control have to ‘make up’ the loss procedures starting with Automated through our assessments.” Clearing House blocking of unauthorized electronic transactions.

We have more to be implemented. We know Members have been greatly concerned about the situation. In my opinion, Members have been patient and understanding of the delicate balance between investigations and disclosing information that all of us want to see.

We have filed a claim for the loss with our insurance carrier. Orange County Sherriff’s Office and the Orange County Commonwealth Attorney are investigating Mr. Mayberry’s conduct and will determine whether to prosecute Mr. Mayberry. We will continue to cooperate fully with law enforcement and provide any assistance requested. We have provided a list of questions and answers that that will be published along with the full report. I hope you will find these helpful in understanding the scope of the alleged financial irregularities. Members will NOT have to “make up” the loss through our assessments. The Association remains financially solvent and capable of meeting all of its financial obligations. We are planning a Town Hall meeting as soon as we can arrange the calendar with our Forensus investigators. I thank you all for your understanding as Board & Management continues to work through this matter.

Board of Directors, LOWA, Inc.

Send email to the Board at: Board@LOWA.org President: Cliff Wilks Vice Pres.: Jennifer Zukowski Treasurer: Bob Hoh Secretary: Walt Diercks Directors: Carl Clawson Heidi Brown Pete Brown

2

General Manager: Phillip Rodenberg (prodenberg@LOWA.org) Assistant General Manager: Chester Guzek (cguzek@LOWA.org) Director of Facilities: Jessie Graves (jgraves@LOWA.org) Acting Director of Finance: Larry Cole (lcole@LOWA.org)

Lake of the Woods Association, Inc.

Agenda (Tentative) Regular Board of Directors Meeting December 12, 2018, Community Center 1:00 p.m. CALL TO ORDER 1. EXECUTIVE SESSION 2:00 p.m. 2. OPEN SESSION 2.1 Pledge of Allegiance 2.2 Meeting Notice and Quorum Confirmation 2.3 Approval of Agenda 2.4 Approval of Minutes: November 13, 2018 2.5 Employee Excellence In Service Awards 3. REPORTS 3.1 Officer Reports A. Executive Session Actions B. Committee Changes 3.2 General Manager Report A. October Financials B. Lakes Management Report C. CARC Project Update 3.3 Committee Liaison Reports 3.4 Committee Reports A. Legal and Compliance Committee – Mike Cianci, Committee Chair 4. PRESENTATIONS 4.1 Stormwater Management – Don Rissmeyer, P.E., Associate, A. Morton Thomas & Associates, Inc. 4.2 FY 2019-2020 Budget Overview – Phillip Rodenberg, General Manager 5. MEMBER COMMENTS ON UNFINISHED AND NEW BUSINESS AGENDA ITEMS 6. UNFINISHED BUSINESS - None 7. NEW BUSINESS 7.1 Consideration of Awarding a Contract for 14th Pond Construction and Authorizing the President to Sign 7.2 Consideration of Accepting the Mid-Year Capital Plan Report 7.3 Consideration of Entering a Lot for Maintenance 7.4 Discussion of Communications Plan 8. MEMBER GENERAL COMMENTS 9. DIRECTOR COMMENTS 10. SCHEDULED MEETINGS • Regular Board of Directors Meeting, Saturday, January 5, 2019, Community Center, 10 AM. • Regular Board of Directors Meeting, Tuesday, January 15, 2019, Community Center, 7 PM. 11. ADJOURNMENT *The Board reserves the right to remove, add and/or relocate agenda items as necessary.

Members of record may record any portion of this meeting so long as (1) you first notify the President for an announcement before you begin and (2) you do not interfere with other members or the official recording. (See Administrative Regulation 2016-4.)

Editorial Staff President of the Board General Manager Communications Manager: Carolyn Brodeur (cbrodeur@LOWA.org) Communications Assistant: Lisa Naghshineh (lakecurrents@LOWA.org) Copy Editor Dan McFarland (dmcfarland@LOWA.org) Graphics/Layout: Chris Porter (cporter@LOWA.org) LOWA Communications Department: 540-972-2278

Lake Currents The official newsletter of the Lake of the Woods Association, Inc. (USPS 872-400) is published bi-weekly for its membership. Nonmembers $20 per year (25 issues). Periodical postage rate paid at Spotsylvania, VA 22553. Visit our web site at: LOWA.org. ITEMS FOR PUBLICATION in the newsletter must be received in the Association office by noon on the Monday after publication for the next publication or by the preceding Friday if Monday is a holiday. All advertising and articles need to be submitted via email to lakecurrents@LOWA.org. The views expressed in guest articles and paid advertisements represent the opinions of authors and advertisers and do not necessarily reflect the views of Lake of the Woods Association, Inc. Call the communications office at 540-972-2278 for details about classified and display advertisements which must be prepaid (unless other arrangements are made). The inclusion of advertising, logos or web site links in this publication does not constitute an endorsement by LOWA, Inc. of the products or services so advertised. POSTMASTER: Send address changes to LOWA, Inc., 102 Lakeview Pkwy, Locust Grove, VA 22508

As of November 27, 2018

by Phillip L. Rodenberg, CMCA®, AMS ®, PCAM ® LOWA General Manager

Project Financial Status Project Cost Estimate (Budget): $5,086,193 Current Funding:  $458,422 – Cash allocated by Board  $818,000 – Year 1 ($191/lot) billed in Regular Assessment  Up to $5 Million Mutual of Omaha Bank loan in place June 20.

Project Progress Design: 100 percent complete Bidding: Complete. Board awarded construction contract to Wack General Contractor (Thos. J. Wack Company) May 16. Contract executed June 8.

Permitting: Complete Construction: Schedule June 2018-June 2019 Completed  Footings and piers poured with anchor bolts  Stabilize exterior of pool walls with shotcrete  Masonry block staged onsite  Processing Third Wack payment. Total to date: $757,755.51 Upcoming  Finish pool piping and begin rebar for pool floor  Continue parking lot stone sub-base  Continue placing masonry blocks for building footings (New) Communication:  April 30 Information Session was a success with 109 members participating.

Lake of the Woods Association, Inc.

November 13, 2018, Unapproved Minutes

6 PM, Community Center

Note: These minutes are provided to members for review.

Present Clifton Wilks, President Jennifer Zukowski, Vice President Bob Hoh, Treasurer Walter Diercks, Secretary Carl Clawson Phillip Brown Absent Heidi Brown

Others Phil Rodenberg, General Manager Linda Brooks, Recorder (from 7 PM)

Call to Order

Lake Currents November 30, 2018

Regular Board of Directors Meeting

Building up. Construction projects are exciting, and our Clubhouse Complex project is beginning to come out of the ground. Favorable weather the week of Nov. 19 enabled our contractors to be very productive. Ramsey Masonry continued the placement of footing concrete masonry units on both the Fitness Center Building, and the Pool Equipment Building. The placement of the footing CMU to the Slab On Grade elevations should be complete by this publication. Soon you will see the walls rising out of the ground. Meanwhile, Olympia Pools is backfilling around all below-pool-floor plumbing with stone dust. In early December, LOWA will begin discussing the upcoming budget to include the plans for opening the new pool and fitness facilities in summer 2019. LOWA will offer three types of Fitness Center memberships: Individual, Couples (Individual Plus One), and Family. We will hire part-time attendants to staff the new center, and to run the new pool snack bar that is accessible from the pool and also the beach.

Tearing down. Several members have asked me why the burned-out dwelling in the 700 block of Lakeview Parkway remains standing. Sadly, on May 1, the lot owner died in a fire that left the dwelling beyond repair. This is an heir property. The estate has not yet been settled. The issue is proper legal notice. We have been in touch with the estate administrator and an attorney who will notify all heirs. We hope the heirs and the Association can resolve the situation amicably by early January. The Association’s Declaration of Restrictions requires a dwelling destroyed by fire to be removed within six months. See Section 8.A (p) below: Section 8.A (p) Any dwelling or outbuilding on any lot in the Section or Subdivision which may be destroyed in whole or in part by fire, windstorm or for any other cause or act of God must be rebuilt or all debris removed and the lot restored to a sightly condition with reasonable promptness, provided, however, that in no event shall such debris remain longer than six months.

The Declaration allows the Association to tear down the structure and bill the lot for the work (Reference Section 14). The Board of Directors would need to vote to approve this.

Enjoy your holidays! I hope to see you at the Association Holiday Party at the Clubhouse on Sunday, Dec. 2!

Association News

Building Up and Tearing Down

Clubhouse Area Recreation Complex Project Update

1. EXECUTIVE SESSION Motion by P. Brown, passed unanimously, to enter into Executive Session at 6:02 p.m. for the purpose of discussing and considering contracts, and considering personnel matters.

Motion by Clawson, passed unanimously, to exit Executive Session at 6:53 p.m.

See November 13 Minutes on p. 15

Member Services/ Holcomb Building: 540-972-2237 M-F; 8:30 AM-5 PM; Sat. 9 AM-1 PM Clubhouse: 540-972-2221 Office Hours: W-F, 9 AM-5 PM Dinner: W, TH, SU, 5-9 PM; F, SA, 5-10 PM Lunch: S, SU, 11 AM-4 PM Brunch: SU, 10 AM-1 PM Menus: LOWA.org/Clubhouse Community Center: 540-9729680 ECC Office (Woods Center): 540-972-2211 M-F, 7 AM-3:30 PM

Amenities Golf Pro Shop (Woods Center):

Equestrian Center: 540-972-2238 Lessons, pony rides, trail rides M-F 8:30 AM-5 PM Sat/Sun: by appointment, call by Friday 3 PM Fareways Café: 540-972-2216 Mon, Wed-Sat: 8:30 AM-7 PM Tu: 8:30 AM-8 PM Sun: 8:30 AM-5 PM

Fitness Center: 540-972-9680 Daily 5 AM-10 PM Located in the Lower Level Clubhouse

Daily 8 AM Reserve a tee time 540-972-2230 Golf Course: 8:30 AM daily

Maintenance Office (Community Center): 540-972-2223; M-F, 7 AM-3:30 PM

Security/Front Gate: 540-972-2210 or 540-972-2020 LOWA.ORG/DWELLINGLIVE Tennis: Alice Mote 540-424-8004 Courts available 7 AM to 11 PM

Pickleball: Tena Marangi 540-972-8964 Outdoor Courts available 7 AM-11 PM

Trash: LOW Compactor Site 672-9600 M, TU, TH, F, 7:30 AM-7 PM Sat 8 AM-5 PM; Sun 9 AM-5 PM Closed Wednesdays and holidays

9.9 Leaf/Brush Area: Winter Hours: (Dec. 1-Feb. 1) Daily 7 AM-5 PM

County Waste: 540-727-0887 Curbside trash recycling/collection: Wednesdays 3

Association News

Glad You Asked How Healthy are LOWA’s Finances?

by Bob Hoh, LOWA Board Treasurer Since my last article, a lot has happened here at the Lake.

Our quarterly financial statement is complete - see pages 4, 6-7. The forensic auditors have delivered their report to the Board of Directors – see page 2.

Considering all the rain, the CARC project is progressing well – see page 3.

I’ll touch briefly on each of these items.

First, our fiscal year second quarter financials show that we are indeed healthy and overall we are performing close to expectations with a relatively small negative variance to budget. However, some amenity revenues and expenses remain off the mark. Certainly, the severe weather has caused a hardship on many of our members with leaks and flooding that none of us had expected or welcomed. It has challenged our maintenance crews, and we are prioritizing our resources and adding additional funds to our upcoming budget to develop and execute an effective stormwater management plan.

Next, four main points regarding the forensic audit.

1. In spite of the large amount of the apparent fraud, the association is financially solvent and well positioned to meet all our obligations.

2. We are filing an insurance claim for the full amount of unrecovered funds.

3. We have initiated corrective actions with our internal controls to preclude a recurrence of the fraud.

4. The forensic investigation results have been turned over to law enforcement to assist in any prosecution actions.

Lastly, we are processing the third CARC contractor draw, probably the last before we activate the Mutual of Omaha Bank loan for interest-only payments during construction. These first three payments were covered by LOWA funds including the first “CARC� portion of the assessment and will reduce the final loan amount.

Glad you asked. Thanks for your understanding and support as we work our way through these trying times.

Lake of the Woods Association

Schedule for Presentation of 2019-2020 Budget to Finance and Planning Committee

Lake Currents November 30, 2018

Community Center Tuesday 12/4/2018 9 AM-noon

Dept Code

Department

101 102 304 202 306

Overview Fee Schedule Administration Security Pools Fitness Community Activities

501 502 503 303

General Maintenance Roads Grounds Environmental Resources

301 201 401

Equestrian Communications Clubhouse

310 510 402

Golf-Pro Shop Golf-Maintenance Golf-Fareways

Tuesday 12/4/18 1-5 PM

Wednesday 12/5/2018 9 AM-noon

Wednesday 12/5/18 1-5 PM

X X X X X X X X X X X X X X X X X

Capital Plan

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Thursday 12/6/2016 9 AM-noon

Squishy’s Corner: Your Christmas Gift Shopping Guide

by Denise Shoemaker, Member, Community & Youth Activities Committee The Community Youth Activities Committee hosted its first Halloween party at the Clubhouse on Oct. 28. We had a wonderful turnout and a great time was had by all that came. The CYAC plans on hosting this event again next year.

Bingo at the Clubhouse was on Nov. 17 for the very first time. We had about 125 people in attendance. Thank you for coming out and donating canned goods to the Wilderness Food Pantry. The CYAC would like to thank the East Orange County Little League for donating a free registration and Clubhouse Manager Ryan Richardson for donating a brunch certificate to the Clubhouse. We can’t wait to host the next Bingo night!

as told to: Equestrian Manager Bridget Hutchens Hello, again! Mr. Squishy here, and I hope everyone had a fantastic Thanksgiving! I was hoping for an apple pie, but Miss Bridget says I need to watch how much sugar I eat.

I sure have a lot to report to all of my faithful readers. I’m excited to announce we are hosting a New Year’s Pony Camp January 2 to 5, 10 AM to 1 PM, ages 6-12; $175 member; $200 non-member. Only six spots still available. This will be a very fun program for kids who don’t want to ride in the summer because it’s so hot. Fancy, Prescott, Scotty, Patton, Shady and I will be teaching lessons on grooming, riding and how to take care of us in the winter. Miss Bridget said she will have hot cocoa ready for snack time (hopefully I can have mine with extra marshmallows!)

I think that New Year’s Pony Camp or Summer Pony Camp would be make excellent Christmas gifts this year! If you decide to purchase a session of camp to give as a gift, the Equestrian Center will include a long-sleeved t-shirt to put under the tree. Gift certificates are available as gifts for all our services; I highly recommend gifting pony rides with yours’ truly. Gifts in the form of lessons, lesson packages, trail rides or pony treats have a 100 percent Squishy-approval rate.

Please call Miss Bridget or Miss Melissa at 540-972-2238 to schedule your time with me or one of my friends.

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Lake Currents November 30, 2018

Snapper Jack’s Yard Care, LLC Taking Care of Mother Earth

Association News

CYAC Halloween Party and Bingo

5

Financials

Financials, May - October 2018 Lake of the Woods Association, Inc. 2018

ASSETS Current Assets Cash and Cash Equivalents Lot Assessments Receivable Accounts Receivable Other Allowance for Uncollectible Accounts Inventories Prepaid Expenses

$ 1,054,406 938,461 166,195 (231,858) 75,397 187,624

(Unaudited) , October 31, 2018

2017 $ 1,664,619 688,534 172,712 (252,213) 71,443 169,326

2,190,226

2,514,421

17,170 75,967 181,441 1,914,765 877,809

62,451 101,148 152,946 1,982,404 -

3,067,152

2,298,949

1,684,730 21,169,545 106,695 6,346,848 2,718,797 32,026,614 (14,649,163) 17,377,451

1,918,029 19,216,418 102,101 6,187,211 2,153,685 29,577,444 (13,787,874) 15,789,570

22,634,829

20,602,940

493,632 237,935 55,475 29,369 243,924 286,470 2,124,243 834,372 406,544

195,352 115,136 67,668 31,198 258,408 275,903 2,137,082 748,486 -

4,711,963

3,829,233

3,067,152 14,855,713 17,922,865

2,298,949 14,474,758 16,773,707

$ 22,634,829

$ 20,602,940

Total Current Assets Board Restricted Investments New Assets and Improvements Contingency New Construction and Renovation Repair and Replacement Clubhouse Area Recreation Complex (CARC) Total Board Restricted Investment Property and Equipment Land and Improvements Buildings and Additions Furniture and Equipment Vehicles and Construction Equipment Construction In Progress Less Accumulated Depreciation Total Assets

Lake Currents November 30, 2018

Lake of the Woods Association, Inc. Consolidated Statement of Revenue and Expense

Consolidated Balance Sheets (Unaudited), 'October 2018 and 2017

LIABILITIES AND MEMBERS' EQUITY Current Liabilities Accounts Payable Accrued Expenses Accrued Vacation Refundable Deposits Deferred Fees Billed - Tenant/Storage Deferred Fees - Discretionary Amenities Deferred Lot Assessments - Operations Deferred Lot Assessments - CTR Deferred Lot Assessments - CARC Total Current Liabilities Members' Equity Board Restricted Unrestricted Total Liabilities and Members' Equity

Revenue Assessment Revenue Operating Assessment Contribution to Reserves CARC Project Bad Debts Total Assessment Revenue

YTD Actual

YTD Budget

$ 2,123,619 834,996 406,544 (32,500) 3,332,659

$ 2,123,619 834,996 406,544 (32,500) 3,332,659

Operations Center Revenue Administration Tenant fees New Construction and Renovation Fees Security Communications Fitness Equestrian Environmental Resources Pools Community Activities Golf Operations Clubhouse Fareways General Maintenance Roads Grounds Total Operations Center Revenue

182,528 172,556 162,308 24,150 73,471 28,452 37,176 261,099 12,919 26,097 266,933 750,426 268,876 32,675 988 0 2,300,654

164,488 208,950 0 36,500 77,114 32,500 58,435 264,932 16,250 25,477 354,440 727,882 233,246 1,000 2,025 0 2,203,239

Total Revenue

5,633,313

5,535,898

Operating Expenses Direct costs of merchandise sold Salaries Payroll Taxes/Employee Benefits Insurance Expendable furnishings Office Supplies Other Supplies Contractual Services Dues and subscriptions Repairs and maintenance Telecom Utilities Taxes and licenses Recruiting Meals and entertainment Travel and training Equipment rental Charity - Fire & Rescue Depreciation Other Total Operating Expenses

469,355 1,577,524 317,832 154,136 12,810 133,940 303,388 950,763 3,444 161,245 42,872 122,892 31,690 4,690 41,520 2,410 12,055 42,000 600,000 23,872 5,008,438

437,949 1,588,686 392,478 158,203 20,044 115,916 371,515 919,695 3,227 128,130 40,400 110,164 36,071 3,973 44,400 6,350 7,920 42,000 600,000 19,867 5,046,988

Excess (Deficit) of Revenue over Expenses

$

624,876

$

488,911

Variance Favorable

$

$

18,040 (36,394) 162,308 (12,350) (3,643) (4,048) (21,259) (3,833) (3,331) 620 (87,507) 22,544 35,630 31,675 (1,037) 97,415 97,415 (31,406) 11,162 74,646 4,067 7,234 (18,024) 68,127 (31,068) (217) (33,115) (2,472) (12,728) 4,381 (717) 2,880 3,940 (4,135) (4,005) 38,550 135,965

Prior YTD Actual

$ 2,137,082 748,486 (32,500) 2,853,068

178,364 191,685 219,335 31,260 82,605 33,333 43,032 243,861 16,875 24,741 601,236 246,825 279,330 1,625 3,507 3,040 2,200,654 5,053,722

451,301 1,636,706 311,679 150,730 26,554 137,210 344,025 998,506 2,238 126,652 45,319 144,928 25,935 3,382 41,344 10,310 8,388 42,000 625,002 17,359 5,149,568 $

(95,846)

Lake of the Woods Association, Inc. Reserve Analysis FY 2018/2019

Repair and Replacement YTD 2018-19 5/01/18 Balance 2017/2018 CTR YTD Interest YTD NCR Fees YTD Expenditures YTD Transfers 10/31/18 Balance

6

1,397,804 1,669,992 7,872 (1,160,904) 1,914,765

New Assets and Improvements Contingency

19,530 117 (2,477) 17,170

114,798 330 (39,161) 75,967

New Construction and Renovation Fees CARC Project

57,929 445 123,066 181,441

220,695 4,598 (65,465) 717,981 877,809

Total Reserve

1,810,757 1,669,992 13,362 123,066 (1,268,007) 717,981 3,067,152

Lake of the Woods Association, Inc. Summary, Operation Center Income Statement Comparative to Budget Year to Date October 31, 2018 (UNAUDITED)

Administration Adjustments NCR Depreciation Annual Member Assessment Operating Assessment Bad Debts

517,392 (162,308)

Revenue Variance YTD Favorable Budget (Unfavorable) 373,438 -

143,954

Expense YTD Actual

Expense YTD Budget

1,429,759

1,380,402

2,123,619 2,123,619 (32,500) (32,500)

Net Income Net Income (Loss) (Loss) Variance YTD YTD Favorable Actual Budget (Unfavorable)

(49,357)

(912,368)

-

(162,308) 600,000

600,000

2,123,619 (32,500)

2,123,619 (32,500)

-

(49,357) (8,744) 9,457 (4,315) 11,480 12,439 (1,297) 22,728 (4,484) (39,628) (29,902) 30,286 59,259 30,628

1,616,444 (351,371) (31,009) 16,034 (53,439) (59,119) (83,485) (76,307) (186,553) (38,606) 8,620 (406,323) (351,152) (182,705)

1,684,155 (330,277) (36,823) 24,397 (43,660) (67,725) (78,857) (99,655) (94,562) (21,522) 2,892 (468,284) (409,374) (213,333)

(67,711) (21,094) 5,814 (8,363) (9,779) 8,606 (4,628) 23,348 (91,991) (17,084) 5,728 61,961 58,222 30,628

38,550

(178,972)

(152,629)

(26,343)

834,996 406,544 (600,000) 162,308

834,996 406,544 (600,000)

162,308

624,876

488,911

135,965

(162,308) (600,000)

4,257 @ $998

Variance Favorable (Unfavorable)

(600,000)

-

(1,006,965)

94,597 (162,308) -

4,257 @ 1,581 Subtotal Administration Security Communications Fitness Equestrian Environmental Resources Pools Community Activities Golf Operations Clubhouse Fareways General Maintenance Roads Grounds Excess (Deficit) Revenue Over Expense Contribution To Reserves CARC Project Depreciation NCR

4,257 @ $392 4,257 @ $191

2,446,203 24,150 73,471 28,452 37,176 261,099 12,919 26,097 266,933 750,426 268,876 32,675 988 -

2,464,557 36,500 77,114 32,500 58,435 264,932 16,250 25,477 354,440 727,882 233,246 1,000 2,025 -

(18,354) (12,350) (3,643) (4,048) (21,259) (3,833) (3,331) 620 (87,507) 22,544 35,630 31,675 (1,037) -

829,759 375,521 104,480 12,418 90,615 320,218 96,404 102,404 453,486 789,032 260,256 438,998 352,140 182,705

780,402 366,777 113,937 8,103 102,095 332,657 95,107 125,132 449,002 749,404 230,354 469,284 411,399 213,333

4,229,465

4,294,358

(64,893)

4,408,436

4,446,986

834,996 406,544

834,996 406,544

-

Excess (Deficit) Revenue Over Expense per GAAP Note 1: Note 2: Note Note Note Note

3: 4: 5: 6:

Note 7: Note 8: Note 9:

3 4 5 6 7 8 9

Tenant Fees (-$37K), Interest Income (+$12K), NCR Fees (+$162K) Legal Consultation (-$30K), CPA Audit (+$13K), Credit Card Fees (-$15K), Contractual Services (-$14K) Vote.now expense not in budget Summons/Fines (-$12K) Contractual Services (-$6K) Summer Camp (-$13K), Boarding Income (-$6K) Salaries & Benefits (+$9K), Chemicals (+$10K) Salaries & Benefits (+$19K) Annual Membership Fees (-$6K), Daily Cart Rental (-$7K), Daily Greens Fees (-$47K), Tournaments (-$17K) Repairs & Maintenance (-$8K) Salaries & Benefits (+$19K) Recorded Sale of Surplus Vehicles (+$31,700) Salaries & Benefits (+$17K), Sand & Gravel (+$5K), Asphalt (+$36K) Salaries & Benefits (+$16K), Contractual Services (+$6K) Numbers represented as positive or (+$xxK) reflect a positive variance to budget Numbers represented as negative or (-$xxK) reflect a negative variance to budget

Be Prepared for Winter Storms As we approach the winter storm season, you may wish to consider the preparations needed to ensure a safe and reliable winter for your family.

In the event of inclement weather, for the safety and well-being of our staff and members, the GM reserves the right to close LOWA offices and facilities. Barring extreme situations such as power outages that limit communications, then closures will be announced through three key media outlets: 

Constant Contact (to sign up visit www.lowa.org/emails)



The LOWA Facebook Page (www.facebook.com/LOWAssociation)



LOWA.org on the homepage newsfeed

Orange County’s new Rave Alert emergency notification system is a free service the county provides to keep residents and travelers informed of potentially hazardous situations, including weather, major traffic events, and other public safety-related issues. Emergency alerts can be received via email, text or voice messages. To receive Rave Alert notifications, sign up at orangecountyva.gov and search for Emergency Alerts.

For more information, contact E-911 Center Director Nicki Tidey at 540661-5433 or ntidey@orangecountyva.gov.

Before encountering snowstorms and extreme cold this winter, consider following FEMA recommendations to:  Make a Family Communications Plan (https://www.ready.gov/ make-a-plan) to know how to contact one another, and get back together in case of emergency. 

Make an Emergency Kit (http://www.ready.gov/kit) for at least three days of self-sufficiency.

During Snowstorms and Extreme Cold, FEMA recommends the following:  Drive only if absolutely necessary. If you must drive, travel in daytime, don’t travel alone, and keep others informed of your schedule and route. 

Walk carefully on snowy, icy walkways



Avoid overexertion when shoveling snow. Take breaks, push the snow instead of lifting it, and lift lighter loads.



Keep dry.



If going outside, wear several layers of loose-fitting, lightweight, warm clothing, rather than one heavy layer.



Wear mittens, which are warmer than gloves



Wear a hat and cover your mouth with a scarf to reduce heat loss.

Lake Currents November 30, 2018

REVENUE: EXPENSE: REVENUE: EXPENSE: REVENUE: EXPENSE: EXPENSE: REVENUE: EXPENSE: EXPENSE: EXPENSE: EXPENSE: Key:

1 2

Financials

Revenue YTD Actual

Note

(Includes Depreciation in Administration)

For more advice on handling snow and extreme cold, consult https://www. ready.gov/winter-weather or https://www.fema.gov/media-library/assets/

documents/30160.

7

Association News

Last Call for LOWVETS Christmas Party

Happenings on the Green

by Rea Hargraves, PGA

December

7 8

by Fred Pulis, Member, LOW Veterans Club

LGA Christmas Luncheon, Community Center, 11 AM-2 PM MGA Christmas Luncheon, Clubhouse, noon

I am always looking for groups who wish to hold a golf event at Lake of the Woods Golf Course. Please call Rea Hargraves, 540-972-2230, if you have a group, or know of someone wishing to hold an event starting in the spring of 2019.

I will be offering private golf lessons in the Community Center from Dec. 31 to Jan. 4 and Jan. 14 to 18. Sign-up sheets will be posted on Dec. 4 in the Pro Shop. Class times will be 8 AM to 10 AM. These classes are designed to help you improve. Cost will be $75 for five half-hour lessons. Call Rea Hargraves at the Pro Shop 540-972-2230 for more information.

Iâ&#x20AC;&#x2122;ll see you on the course!

Photo by Sharon Corner

Ben Corner, a senior at OCHS and a member of Bugles Across America, performs taps during the LOW Veterans Clubâ&#x20AC;&#x2122;s Veteranâ&#x20AC;&#x2122;s Day commemoration Nov. 11. Around the world, on Nov.11 at 11 AM, over 550 buglers played taps to honor the 100th Anniversary of the end of WWI.

Nov. 2 Rapidan Service Authority Sewage Leak

Lake Currents November 30, 2018

by Bobby Jones, Environmental Resources Manager

Tomorrow is the last chance to make your reservation for the LOW Veterans Club annual Christmas Party Dinner on Friday, Dec. 7 at the Clubhouse. The cost of the dinner is $25 per person. The menu consists of one of four choices, which include chicken Chardonnay, Chancellorâ&#x20AC;&#x2122;s beef, tilapia with lobster cream sauce, and stuffed acorn squash.

Dinner service will start at 6:30 PM while attendees listen to the DJ Dicky Estes until 10 PM. Favorite World War II requested songs will be played along with other musical tunes.

LOW current residents who are past members of any Armed Service and their guests are encouraged to attend. Business attire is suggested and tuxedo is optional. Wearing of military medals or ribbons on lapels is encouraged.

The LOW Veterans Club has decided to invite and provide free meals at the Christmas dinner to all LOW World War II veterans and their spouses and care givers. If you are, or know of, a WWII veteran, please contact Mike Fergusan at colmferguson@msn.com or Mike Landers at mikelanders4@verizon.net.

Additionally, the Christmas dinner will feature a Christmas tree decorated with pictures of veterans. Any veteran can submit a picture of themself in uniform by Dec. 1. Also, a picture of a family member in uniform is welcome. The pictures will be placed on the tree and returned later. Any photo, single (preferred), or not should be sent to Fred Pulis at 107 Meadowview Lane. For more information, contact Fred at 540-388-4482 or email at scpopulis@gmail.com.

Menu selection and a check made out to LOW VETS may be sent to Gilbert Churchill at 110 Cumberland Circle, Locust Grove, VA 22508.

Deadline for reservations is Dec. 1. For additional information, Gil can be reached at 540-972-7452 or at glchur@comcast.net.

The LOW Veterans Club wants to thank all of the attendees of our Veterans Day ceremony on Nov. 11. The indoor presentation was well received.

On Nov. 2, Rapidan Service Authority had a sewage leak (a break in a forced main line, where sewage was being pumped, rather than moved by gravity), near the 2900 block of Lakeview Parkway. The leak was discovered during the early morning hours by a Member. RSA responded on scene to the reported leak.

LOWA Environmental Resources sampled adjacent waters for E.coli, an indicator bacteria for the presence of sewage. Lab results for E.coli samplings were above the state-recommended threshold (235 colonyforming units per 100 milliliters of water) for swimming and water activities.

LOWA sent out an e-mail advising members not to swim in or around Fishermanâ&#x20AC;&#x2122;s Point Cove. LOWA monitored and sampled adjacent waters through Nov. 9, at which time sampling results were once again below the state-recommended threshold. LOWA then lifted the no swimming advisory for waters in or around Fishermanâ&#x20AC;&#x2122;s Point Cove.

For additional information about the sewage leak, please contact RSA at 540-972-2133. For information about the lake, contact me, Bobby Jones at JJONES@LOWA.ORG.

Ring in the Holidays at the 2nd Annual

Downtown Orange Holiday Village Saturday December 1st * 10am - 3pm * Main Street, Orange * Live Holiday Music * Visit with Santa * Restaurant Specials * Makerâ&#x20AC;&#x2122;s Market * Make & Take Crafts * Local Theater * Local Merchant Open Houses * Free Admission & Parking

Weâ&#x20AC;&#x2122;re by your side so your parents can stay at home.

For up to date information please visit www.theoda.org/downtown-orange-holiday-village or call 540 672 2540

Local family owned and operated because...to us itâ&#x20AC;&#x2122;s personalŠ

8

ORANGE COUNTY VA ECONOMIC DEVELOPMENT

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Saturday, January 5 10 AM LOWA Regular Board Meeting, CC

TV18, shown on Comcast Channel 18, features unique shows designed especially for Lake of the Woods.

NOTE: Schedule shown is subject to change, updated channel guide can be seen on our Facebook page.

Committee Meetings: Members are encouraged to attend. Meetings are subject to change; contact the Committee Chair for current information. Visit www.LOWA.org/ Committees.

To view our videos online visit: LOWA.ORG/TV18.

November 30 – December 13 8 AM

LOWA Regular Board of Directors –

Noon

Orange County Board of Supervisors – Nov 14th Meeting

1 PM

Real Virginia

5 PM

LOWA Regular Board of Directors –

8 PM

Orange County Board of Supervisors – Nov 14th Meeting

8 AM

LOWA Regular Board of Directors –

Noon

To Be Decided

1 PM

Christmas Tree Lighting Ceremony 2018

5 PM

LOWA Regular Board of Directors –

8 PM

Orange County Board of Supervisors – Nov 14th Meeting

Nov 13th Meeting

Meeting Facility Key: CC Community Center CCCR Community Center Classroom CR Community Center Craft Room CH Clubhouse CHGH Clubhouse Great Hall CHPR Clubhouse President’s Room EQ Equestrian Center FC Fareways Cafe HF Hollyfield Park Locust Grove Elementary LGES School (Rt. 20) LLCH Lower Level Clubhouse LOWC LOW Church MCR Maintenance Conference Room RR Holcomb Building Reading Room SB Sweetbriar Park ULH Upper Level Holcomb WC Woods Center

Fitness: 12/4, 4 PM, CC Safety/Security: 12/5, 3 PM, WC Planning: 12/6, 7 PM, CC External Affairs: 12/10, 7 PM, CC Community/Youth: 12/10, 7 PM, CC Clubhouse: 12/12, 1 PM, CH ECC: 12/13, 8:30 AM, WC Investment: 12/17, 1 PM, CC

Nov 13th Meeting

December 14 - December 27 Dec 12th Meeting

Dec 12th Meeting

Pssst…we hear Santa will be visiting on a LOW fire truck again this year.

Bradie’s Custom Construction Inc.

Watch for him on the following nights:

Dec. 21, 22, and 23.

Class A licensed and insured

www.bradiescustomconstructioninc.com

All phases of construction: • • • • •

Merry Christmas

Bathrooms Sunrooms Insurance Restoration New Homes Etc.

David Bradie

Owner, President custom6@verizon.net

P.O. Box 191 Locust Grove, VA 22508

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Call: 703-966-9495 Fax: 540-785-4758

With best wishes for a healthy and peaceful New Year.

Buying or Selling, We Will Work For You. Let Us Be of Service.

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Facebook.com/SusanAllenRepublicanWomensClub

• • • • •

Free estimates and references available upon request.

Faith makes all things possible, Hope makes all things work, Love makes all things beautiful, May you be blessed with all three this Christmas season.

Th can The Susan Allen Republican Women’s Club

Decks Additions Basements Remodels Kitchens

Lake Currents November 30, 2018

Have a show idea? TV18 is accepting new shows from members and local organizations to air on Channel 18 & our TV18 on LOWA.org.

For more information, view our TV18 Community Programming Guidelines on www.LOWA.org/tv18 or contact the Communications Department at 540-972-2278.

Association News

Wednesday, December 12 2 PM LOWA Regular Board Meeting, CC

Bernie Merritt & Kathy Bianco Merritt 540-538-6605 Lake of the Woods Office 4207-A Germanna Hwy, Locust Grove, VA (across from the Lake) Call us for additional information or to view any properties.

9

Cause 4 Paws Fundraiser

Childhelp Activities

by Laura Fitch, Member, Childhelp Auxiliary

We will be at the Christkindlmarkt at the Community Center on Saturday, Dec. 1, from 9 AM to 3 PM. We will be selling Christmas items, Cause 4 Paws t-shirts, pierced earrings, bracelets, and necklaces with animals, fantasy, travel and food themes. You can also purchase tickets for our 2018 raffle drawing; the grand prize of which is a Lap Size Cat Quilt constructed by the Fredericksburg Modern Quilt Guild. The quilt was made from a pattern called The Kittens by Elizabeth Hartman and made with various colors of cat faces on a grey background. You also can win many other prizes donated by local businesses. Raffle ticket prices are: $2 for one ticket, $5 for three tickets and $10 for eight tickets. The raffle drawing will be held Thursday, Dec. 6, in the Cardinal Room at Fareways, beginning at noon.

Cause 4 Paws is a 501(c)(3) non-profit charitable organization supporting feline rescue. We are continually in the need of volunteer foster homes, monetary donations and donations of the following cat/kitten food: Purina Kitten Chow, Purina Cat Chow, Friskies Pate canned food and Fancy Feast Kitten Wet Food. Proceeds benefit feline rescue and donations are tax deductible.

Donations can be mailed to Cause 4 Paws, P.O. Box 301, Locust Grove, VA 22508. For more info see us on Facebook: causefourpaws Locust Grove VA or call me at 540-412-5764 or email marywilks@comcast.net.

As always, we will be accepting cat food and/or monetary donations at all our events. Again, thank you for your continued support.

Photo by Lisa Halpin

Teen volunteer Ryan Connor sets up pins for the bowling station at the Alice C. Tyler Village Halloween Party. He also manned the game throughout the afternoon and handed out treats to participating Village children.

Lake of the Woods Lioness Lions

by Claudia Low, Member, Lioness Lions Club

The Lake of the Woods Lioness Lions Club is a non-profit women’s service group interested in improving our community. To wome be a Lioness is to be an active volunteer, a member of a respected L organization founded in 1987, a leader in the community, and a organiz friend to people in need as well as to each other.

The Lioness Lions Club strives to make a difference by Th providing community services through volunteerism and fun pr fundraising events. We help those less fortunate and make fu our community better. o For the holiday season, in addition to ccollecting new toys for the less fortunate cchildren in Orange County, we are ffundraising by selling White House Ornaments and See’s Candy.

Contacts for toy donations are Pat at 540-7357998 and Kathy at 540-972-5219. For a White House Ornament, contact Mary at 540-972-4572. For See’s Candy, contact Claudia at 540-412-1304.

The Lioness Lions Club gives 100 percent of donations to our local community and national organizations.

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Lake Currents November 30, 2018

LOW Community

by Mary Kay Wilks, Member, Cause 4 Paws

The Childhelp Halloween Party on Oct. 27 featured lots of activities.

Besides bowling, “the gym was busy with children, dressed as power rangers, super heroes, mummies and a few queens of the Nile, searching for eyeballs in goo, designing a Halloween Treat Bag, trying to make a hole-in-one, tossing things at the witch and pumpkin, sitting with Madam Itchy to discuss good fortunes, struggling to bite a donut from a string, thinking of a name for our new dragon, having their photo taken, filling their treat bags with goodies, and taking time to stop for a refreshing drink. Most importantly they were having fun and creating good memories. Nina Doherty and her crew from the DC Chapter, supplying pumpkins and paint, guided the children to create amazing works of pumpkin art. Roxie the Clown was on hand to make beautiful balloon toys,” said party co-chair Karen Woods.

We will meet at 11 AM at the Village gym for our Auxiliary Holiday Luncheon on Wednesday, Dec. 5.

Other upcoming events include Alice C. Tyler Holiday Party on Dec. 8 at 1 PM. If you have not received your invitation or Christmas Buddy assignment, please contact Wade at whardman@childhelp.org. Gift wrapping day is scheduled for Dec. 19. Please arrive by 9 AM at the barn meeting room. If you are a latecomer you may be working on the floor! Regardless, it is great fun for all the elves! And for the much-anticipated event, Santa’s delivery helpers will gather Christmas Eve, Dec. 24 at 11 PM. Harry’s Ale House is once again sponsoring a benefit night on Dec. 10 from 4 to 9 PM when a percentage of all receipts will be donated to Alice C. Tyler Village.

If you want to learn more about Childhelp, contact our member chair, Jill Humphries at 540-972-1179 or janjinla@aol.com, or check out the website at www.childhelp. If you have a chance, view the Hallmark movie, For the Love of a Child, the story of Childhelp’s founding, now on Amazon Prime.

Where W Pets Are Pe

ELITE

Family

Medical, Surgical, & Dental Care for Cats & Dogs Acupuncture & Holistic Medicine Help! The Kitties are Hungry Our OC TNR Cat Caregivers need donations of canned food (most needed) & dry food.

Leave your donations for our Community Cat Food Bank on the bench by our lower level entry.

When selling or buying a home in our unique Lake of the Woods community, it makes perfect sense to hire a realtor who KNOWS THE LAKE. To view details of any property , visit our website

540-903-9732 theostlund@gmail.com 10

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Thank You for Caring!

Mon.-Fri. 8am-6pm 4092 Germanna Hwy, Locust Grove, VA (540) 972-3869 Next to LOW Fire & Rescue on Rte 3 East Sat. 9am-Noon LocustGroveVet.net

Daughters of the American Revolution: Susannah Chandler Chapter

NARFE Chapter 1885 Holiday Luncheon/Annual Meeting

by Betty Larson, Regent

by Mary Kay Wilks, Member, NARFE

Photo provided

Founding members celebrate the 16th anniversary of the local DAR chapter: (L-R) Doris Barnes, Betty Larson, Martha Sukites.

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Call or email me for a FREE Market Analysis of YOUR Home!

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Monday and Tuesday

Family Style Special Enjoy our

Wine Down Wednesday (4-7 PM) for discounted wine selections

36101 Goodwin Drive Locust Grove, VA 22508

540-972-8100 LakePlazaDental.com Email: DrTorrey@LakePlazaDental.com

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Lake Plaza Dental PC Edwin A. Torrey DDS MAGD

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Lake Currents November 30, 2018

The Susannah Chandler Chapter, NSDAR, is off to a great start this year!

In September, members attended the Virginia DAR Fall Forum in Richmond, and participated in many of the workshops. In November, members also attended the Five-Chapter National Defense Luncheon, hosted by the Louisa Court House Chapter, and enjoyed a program by a retired Air Force colonel, and a delicious meal prepared by the culinary arts students from Louisa County High School. This event will be held here at LOW next year, hosted by Susannah Chandler Chapter.

Our last meeting had a wonderful program presented by Marty Hartmann, Orange County Historical Society member, on Who Was Susannah Chandler? We learned more about her life here in Orange County in the 1700’s!

Our December meeting will be our annual colonial Christmas Party; friends and families are welcome to attend.

Our meetings are held monthly on the second Saturday, at the Community Center, at 1 PM. Interested visitors are always welcome. Anyone interested in more information on the Daughters of the American Revolution or in finding your Revolutionary patriot, feel free to contact us! We are happy to assist! For more information, call 540-661-7202 or email: ahfstables@aol.com.

We would like to thank all of you who purchased the LOW 50th Anniversary Throws! We were able to make substantial donations to the veterans at the Staunton Veterans Clinic. Thank you!

LOW Community

Please plan to attend our Holiday Annual Meeting where members and their guests are welcome. This general membership meeting will be held on Thursday, Dec. 13, at the Clubhouse dining room, beginning with a social and cash bar at 11:30 AM, then lunch served at 12:30 PM. The Orange County High School Chorale will entertain us.

This year our menu will consist of a garden salad, with entrees of chicken Chardonnay, (boneless breast of chicken with a Chardonnay cream sauce), or tilapia topped with a lobster cream sauce. Our sides will consist of green beans with red peppers and almonds, and garlic mashed potatoes. We will conclude with a dessert of cherry pie with vanilla ice cream. We will also have baked rolls and butter, coffee, hot tea and iced tea. For those who are vegetarians, there will also be a dish provided. The cost will be $10 for members and $20 for nonmembers. Please make sure that your reservations are received no later than Dec. 4. Make your checks payable to LOW NARFE, and enter the number of meals by each selection, “Chicken,” “Fish,” or “Vegetarian” in the memo line of the check. Mail them to NARFE Chapter 1885, P.O. Box 360, Locust Grove VA 22508.

We would also like to ask everyone to bring a non-perishable food item for donation to the Food Bank. As you know, the Food Bank needs everyone’s help, especially with the holidays coming up. This will be the final meeting of this Chapter. If you have any questions, please contact Mary Kay Wilks at 540-412-5764 or email marywilks@comcast.net.

Join us the first wednesday of every month for dinner before or a light app during the game.

Bring a team or come and join one.

Thirsty Thursdays (4-7 PM) for our discounted beer selections.

www.generalsquartersrestaurant.com Look us up on:

-The Generals Quarters Restaurant for daily news and features!

32345 Constitution Hwy (Locust Grove Town Center) Locust Grove, VA 22508

11

Friday, November 30 10:30 AM Civil War Study Group Meeting (CH). Info: Charles 540645-2705.

4:45 PM Christmas Tree Lighting Ceremony (CH).

Calendar

Time

Day

Contact

Aerobics

LOWC

8:30-9:30 AM

M, W, F

Church 540-972-9060

Carolina Shag Dance Lessons

CC

7-8 PM

2nd/4th TU

Call to Register Audrey 703-401-5050

Edelweiss Dancers

CC

6-8 PM

SU

Brooke 540-972-4628

Joggers Club

Call

TBD

TBD

Diane 540-388-2930

CC

10:30 AM

M, TH

Donna 540-972-1977

Meditation Class

CC

4-5 PM

1st/2nd TH

Terry 540-412-2282

Sunday, December 2 1-4 PM LOWA Holiday Member Party (CH). Info: 540-972-2221.

Pickleball Beginner Class

CC

11:30 AM-1 PM

TH

Greg 540-388-2540

Praise & Worship Dance

LOWC-WC

10 AM-12:30 PM

W, SA

Sonja 540-972-1734

Senior Softball

HF

9 AM

F

Square Dancers LOW Social Club

CC

7:30-9:30 PM

2 / 4 /5 F

Linda 571-328-9247

1st/3rd F

Sims 540-972-3187/ Haring 540-972-1924

Wednesday, December 5 11:30 AM Republican Women’s Club Christmas Luncheon (CH).

Reserve: Toni 540-972-0295.

12 PM Democratic Club Christmas Luncheon (Generals’ Quarters Rest.). Reserve: lowdemocrats.org.

Friday, December 7 11 AM-2 PM LGA Christmas Luncheon (CC). Info: 540-972-2230.

6:30 PM LOW Veterans Christmas Party Dinner (CH), fee. Reserve: Gilbert 540-972-7452.

Saturday, December 8 12 PM MGA Christmas Luncheon (CH). Reserve: Pro Shop 540-9722230.

2 PM Lions Tree of Love Dedication & Ceremony (Wilderness Center Plaza).

Lake Currents November 30, 2018

SPORTS & EXERCISE (subject to change) Location

Saturday, December 1 9 AM-3 PM Christkindlmarkt (CC).

Info: 540-972-9680.

Tuesday, December 4 5 PM Orange County Board of Supervisors Meeting (Gordon Bldg).

Info: orangecountyva.gov.

Exercising for Health

$

Square DancersLords & Ladies

CC

7:30-9:30 PM

nd

John 540-229-7940 th

th

Stretch and Flex

CC

8:30-9:15 AM

M, W, F

Frances 972-5435

Volleyball Adult/coed

CC

7-11 PM

SU

Michael 540-809-7406

Walkers Club

Greensprings Clubhouse

9 AM 9 AM

M, SA W

Diane 540-388-2930

Water Fitness

$

Wilderness Pres.

10 AM & 11:15 AM

M, W, F

Carol 540-972-6739

Yoga – Intermediate

$

CC

9-10:15 AM

W

Rebekah 908-358-8406

Yoga – Gentle

$

CC

10:30-11:45 AM

W

Rebekah 908-358-8406

Yoga – Chair

$

CC

9:30-10:30 AM F ACTIVITIES, CLUBS, BRIDGE & FUN (subject to change)

Rebekah 908-358-8406

Location

Time

Day

Contact

AARP Meeting

CH

9:30 AM

3rd M

Larry 540-972-1847

Art for Fun

CC

1:30-3 PM

3rd TH

Elaine 540-845-4127

Bridge, Sunday Duplicate

WC

7-9 PM

SU

Joe 540-972-8052/Caroline 540972-7688

Bridge, Monday Night

WC

7 PM

M

Diana 540-972-7594

Bridge, Wednesday Ladies

CC

9 AM-3 PM

W

Betty 540-548-2112

Book Club, LOW

Wilderness Lib.

1 PM

2nd W

540-972-9284

Chess Club

CC

6:30-8:30 PM

TH

Jack 540-972-6211

Childhelp Auxiliary

LOWC, rm. 211

10 AM

1st W

Nancy 540-972-2599

Civic Club Meeting

TBA

7 PM

2nd W

Pat 540-735-7998

Sunday, December 9 5-8 PM Dinner with Santa at the Clubhouse. Reserve: 540-972-2221.

Civil War Study Group

CH

10:30 AM

4th F

Charles 540-972-2401

Closet Quilters

CC

12:30-3 PM

TU

Maureen 540-972-7010

Coloring Book Club

CC

10 AM

F

Terry 540-412-2282

Monday, December 10 1-3 PM LOW Garden Club Christmas Tea (CH). RSVP: delseydoll@gmail.com.

7 PM Rave-Ons Concert (CC).

Tickets: lowplayers.org.

Craft Group

LOWC

9:30-11:45 AM

TU

Rochelle 540-972-3438

DAR Susannah Chandler

CC

1 PM

2nd SA

Betty Larson 540-661-7202

Democratic Club

CC

1:30 PM

2nd W

Kerry 540-220-8547

Eclectic Book Club

Call for location

7:30 PM

Last TH

Geraldine 540-388-2449

Fire & Rescue Auxiliary

CC

2 PM

2nd W

Marguerite 540-972-3681

Fun Bunch 55+

CC

10 AM-1 PM

TU

John 540-972-5611

Tuesday, December 11 7 PM Rave-Ons Concert (CC).

Tickets: lowplayers.org.

Garden Club

CH

12:30 PM

2nd M

Jan 540-972-1630

Happy Tails Dog Club

CC

7PM

4th TU

JoAnn 540-412-1666

WC

7 PM

4th TU

Lee 540-972-0395

Wednesday, December 12 2 PM LOWA Regular Board Meeting (CC). Info: 540-972-2214.

Knitting & Crocheting

CC

9:30-11:30 AM

W, F

Sharon 540-848-8510

Thursday, December 13 11:30 AM NARFE Holiday Luncheon and Meeting (CH).

Reserve: 540-412-5764.

Saturday, December 15 5 PM Holiday Dinner/Concert with the Silver Tones Swing Band (CH).

Reserve: https://lowa.tix.com/ or 540-972-2221.

Please note only one issue will be published in December.

Deadline for submissions to the Dec. 14 issue of Lake Currents is Monday, Dec. 3.

12

C al en d a r o f E ve n t s

Deadline for submissions to the Jan. 11 issue of Lake Currents is Friday, Dec. 28.

Investment Club $

Knowledge Club

CC

10-11 AM

3rd TU

Alayna 540-370-0000

Litter Pick-up in LOW

All around LOW

9 AM

3rd SA

Jan 540-972-1630

LOW Fliers R/C Club

CC

5-8 PM

3rd F

Terry 412-760-4593

CH

6:30 PM

2nd TH

Nancy 540-755-2957 Marian 540-270-7554

LOW Lioness Club LOW Lions Club

CH

5:30 PM

3rd TH

Charlie 540-903-7796

Mahjongg

CC

12:30-4 PM

M

Debby 540-412-5240

Mothers of Preschoolers

LOWC, Founders

9:15 AM

1st /3rd W

Jessica 703-297-6784

Open Mic Night

Fareways

5:30-8:30 PM

TU

Fareways 540-972-2216

Players, Theater Group

CC

7 PM

2nd W

Marilyn 540-972-0392

Photography Group

FC

7-9 PM

1st/3rd TH

Bill 540-834-9866

Professional Women’s Networking

CC

7 PM

4th TH

Jennifer@jenniferbeavers.com

Republican Women’s Club

CH

11:30 AM

4 W

Connie 540-972-0083

LGES (Rt. 20)

5:15 PM

TU

Nita 540-219-7028 Audrey 540-222-3569

Veterans Club

TBD

7 PM

4th TH

Dan 540-972-0153

Wilderness Toastmasters

CC

6:30 PM

1st/3rd TU

WildernessToastmasters@gmail.com

Woodworkers Shop

Compactor Bldg.

9 AM

2nd SA

Hal 540-972-9803

Woodworkers Club

CC

7 PM

4th TU

Hal 540-972-9803

TOPS weigh in/meeting $

th

Please refer to meeting room location key on previous page

Monday December 31, 2018 Music by DJ Harry Lovell Cash bar 6:30 PM -12:30 AM

8th Annual Christkindlmarkt

(No Children Please, Black Tie optional)

$75.00 per person Includes tax and gratuity Price includes Cocktail Hour with complimentary Hors Dâ&#x20AC;&#x2122;oeuvres and a Served Surf and Turf meal.: â&#x20AC;¢ â&#x20AC;¢ â&#x20AC;¢ â&#x20AC;¢ â&#x20AC;¢

Menu

Clubhouse Garden Salad and rolls Bourbon Glazed Filet Mignon Scallops in Scampi Butter Sauce Asparagus s Russian Fingerling Potatoes

Come out and see some of our communityâ&#x20AC;&#x2122;s best bakers, cra ers, and ar sans displaying and selling their work for the upcoming holiday season

Dessert station: 10:30 PM Includes Petit Fours, Mini Cheesecakes s and Sweet Street Desserts.

For ques ons, more informa on, call the Community Center at (540) 972-9680 or email at thayes@LOWA.org or ahubbell@LOWA.org

â&#x20AC;¢ Dinner Served at 8:00 PM â&#x20AC;¢ DJ and Dancing 9:00 PM to 12:30 AM M â&#x20AC;¢ Midnight countdown with a Champagne Toast â&#x20AC;¢ Party Hats & Favors

LOW Community Center Saturday, December 1st, 2018, 9am-3pm

Y o u r

g i f t t r u l y d o e s m a k e a d i f f e r e n c e

Please join the LOWÂ&#x20AC;Â&#x20AC;Lionesses as we bring joy to children aged 0-17Â&#x20AC; n Orange County at Christmas time. We welcome cash donations

by December 8th and new toy donations by December 10th.

Lake Currents November 30, 2018

Tickets available at https://lowa.tix.com/ /

ORANGE COUNTY CHILDRENS TOY BOX TOY DRIVE

Association News

Ne New Yearâ&#x20AC;&#x2122;s Eve at the Clubhouse

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13

LOW Garden Club: The Winter Wonderland

by Karen Kovarik, Publicity Chairman, LOW Garden Club

Photo by Marj Lohmann

LOW Community

Garden Club members decorate the Clubhouse for Christmas.

Lake Currents November 30, 2018

Grove VA or call LA, 540-972-4960 or Darlene 540-972-8038.

LOW Directory. Cost is $10 at Member Services in the lower level Holcomb Bldg. Sales benefit F&R. Information: Dick or Carolyn Durphy at dickd9@msn.com; or 540-972-3306.

LOW Lioness Book Sale.

Used books will be sold on the last Saturday of each month from 8:30 AM to 3:30 PM at the Ferris Building.

Proceeds go to the Benevolence Fund. Book donations are accepted at our book sales and on Mondays from 9:30-11 AM. No reference or text books please. Closed for December and January. Info: Ann, 540-972-4338; Sherri, 540-412-9854; or Helene, 540-412-0798.

LOW Lions Medical Equipment Loan Program seeks donations of wheelchairs and rollators in working condition to share with neighbors in need. Donate at Velona Building (by compactor) any Saturday from 9 AM to noon, or call Lion Mark at 540-412-9994, Lion Susan at 540972-2772, or Lion Dave at 540-9722125 to schedule a pick-up. If you or a family member need a walker, shower bench, bedside commode, or other medical equipment, the Lions are here for you!

Lions Furniture Pickup and Yard Sale. The LOW Lions accept donations of furniture and merchandise at the Velona Building (Shoosmith Road, near the trash compactor). Donations accepted Saturdays from 8 to11 AM. To arrange for donation pickup, call Cindy at 540-972-1187. The Lions are a 501(c)(3) charity, donations are tax deductible. The Lion’s Yard Sale at the same location is open every Saturday from 9 AM to noon.

O.C. Humane Society.

Volunteers needed to do dog adoptions at PetSmart on weekends and/or transport cats during the week to PetSmart stores. Donations are tax-deductible, we are a 50l(c)(3) charitable corporation.

Donations can be mailed to OCHS, P.O. Box 852, Locust Grove, VA 22508. Info: 540-672-0069. orangecountyhumanesocietyva.org.

Notices

Garden Club members, having converted the Clubhouse into a winter wonderland, are now invited to relax and enjoy the transformation. Board members will host the annual members-only Christmas tea on Monday, Dec. 10 from1 to 3 PM. Traditionally, we each bring a tea cup and a story to tell.

If you have no story, tall tales are encouraged. Being a Michigander, I will tell you about when Paul Bunyan himself gave me my cup. A head count is necessary so that we don’t run out of tea, so please, if you haven’t signed up, RSVP to Deborah Kratzer at delseydoll@gmail.com.

Put Jan. 2, 8:30 AM, on your calendar to help undecorate the clubhouse.

No regular meeting will be held in January or February, but we will enjoy our second Valentine’s Day Wine, Cheese and Chocolate affair on Feb. 13.

Guests are welcome, but, this is a ticketed event. More information will be provided in December.

Dec. 1, Join Aging Together and AARP Virginia on Saturday, Dec. 1, at 3:30 PM, for a free movie, Miracles from Heaven, starring Jennifer Garner and Queen Latifah. Come have a snack and enjoy the movie at Culpeper Baptist Church, 318 S. West St., Culpeper. For more information, call Aging Together at 540-829-6405.

Registration is requested; call 844418-2281 or visit http://aarp.cvent. com/Miracles_Culpeper.

Free Concerts - Blue Ridge Chorale presents Songs for the Season, Saturday, Dec. 8, 7 PM, at Open Door Baptist Church, 754 Germanna Hwy; and Sunday, Dec. 9 at 3 PM, at Culpeper Baptist Church, 318 S. West St.

Fundraisers The LOW Lioness Lions Club is selling See’s Candy for $7. All proceeds will go directly to the Lioness Foundation to provide services to our local community.

Call Claudia 540-412-1304 to order your delicious box of candy. These make great table favors.

Cause 4 Paws. We are in the need of volunteer foster homes, monetary donations and donations of the following: Purina Kitten Chow, Purina Cat Chow, Friskies Pate canned food and Fancy Feast Kitten Wet Food. Proceeds benefit feline rescue. Donations are tax deductible as we are a 501(c)(3) charity.

Donations can be mailed to Cause 4 Paws, P.O. Box 301, Locust Grove, VA 22508. For more info, see us on Facebook: causefourpaws Locust

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2. OPEN SESSION Motion by P. Brown, passed unanimously, to enter into Open Session at 7:01 p.m., and to affirm that the Board met earlier today in Executive Session for the purpose of discussing and considering contracts, and considering personnel matters.

2.1 Pledge of Allegiance 2.2 Meeting Notice and Quorum Confirmation Secretary Diercks confirmed that a quorum is present and proper notice made to all members of record.

2.3 Approval of Agenda Motion by Wilks, passed unanimously, to approve the Agenda.

2.4 Approval of the Minutes of October 30, 2018 and November 3, 2018.

Motion by Diercks, passed unanimously, that the Board approve the minutes of the October 30, 2018 Special Board of Directors meeting.

Motion by Diercks, passed unanimously, that the Board approve the minutes of the November 3, 2018 Regular Board of Directors meeting.

3. REPORTS 3.1 Reports of Officers The President, Vice President and Secretary had no report.

Treasurer Bob Hoh reported that the Veterans Day dinner at the Clubhouse attracted 88 veterans for a free meal and was much appreciated.

A. Executive Session Actions: None.

B. Committee Changes Motion by Zukowski, passed unanimously, that the Board approve the Committee changes as presented in the Committee Change list dated November 13, 2018: (D-18-121) Name Rod Lackey Barbara Consentino John Bell Bill Halpin

Action Voting Voting Advisor Advisor

Committee Safety & Security Safety & Security Safety & Security Safety & Security

Term-End Date November 12, 2021 November 12, 2021

4. Member Comments on Business Agenda Three members commented on flooding and erosion issues on their lots.

5. UNFINISHED BUSINESS 5.1 Consideration of Approving Security Fencing Ad Hoc Committee Charter. (D-18-122) Motion by P. Brown, passed unanimously, that the Board approve the Security Fencing Ad Hoc Committee Charter, as amended.

5.2 A. Consideration of Adopting the FY2019-2023 Five-year Capital Plan for Planning Purposes. (D-18-123) Motion by Diercks that the Board adopt the FY2019-2023 Five-year Capital Plan for planning purposes.

Motion by Diercks, passed unanimously, to reduce the amount for the Broadband Feasibility Study from $20,000 to $10,000.

Motion by Hoh, passed unanimously, to reduce the amount of the 2019 New Asset and Improvement Project titled “Section 16 Gate” from $100,000 to $25,000 to purchase and install a Security camera system; the remaining $75,000 to be deferred pending recommendation by the Security Fencing Ad Hoc Committee regarding Section 16.

Motion by P. Brown, passed unanimously, to remove the $45,000 proposed for FY2020 in Table 1 for a building generator at the Clubhouse.

Vote on the original motion as amended passed unanimously.

5.2 B. Consideration of Authorizing a Transfer of Current and Future New Construction and Renovation Funds Totaling $100,000 to the New Asset and Improvement Reserve for FY2019 Stormwater Management. (General Resolution 2018-24) (D-18-124) Motion by Diercks that the Board adopt Resolution 2018-24, a General Resolution, authorizing a transfer of $100,000 from the current and future New Construction and Renovation Reserve for FY-2019 stormwater management. Vote: Yea: Diercks, Zukowski, Clawson, Wilks and P. Brown.

Nay: Hoh. Motion passed 5 to 1.

6. NEW BUSINESS 6.1 Removed from the Agenda 6.2 Removed from the Agenda.

6.3 Consideration of Approving a Clubhouse Area Recreation Project Bid Alternate for Pool Bathroom Wall Tile, and a Change Order for Pool Bathroom Shower Tile to be Paid from the Project Contingency. (D-18-125) Motion by Clawson, passed unanimously, that the Board reject a Clubhouse Area Recreation Project bid alternate for pool bathroom wall tile in the amount of $68,622.

Motion by Clawson, passed unanimously, that the Board accept a Clubhouse Area Recreation Project change order for pool bathroom shower tile in the amount of $17,300, funds to come from the Project Construction Contingency.

6.4 Consideration of Approving a Friends of Lake of the Woods (FLOW) Agreement Regarding Additional Fitness Center Equipment. (D-18-126) Motion by Zukowski that the Board approve the Friends of Lake of the Woods (FLOW) agreement regarding additional Fitness Center Equipment.

Vote: Yea: Wilks, Hoh, Clawson and P. Brown. Nay: 0. Abstained: Diercks and Zukowski. Motion passed 4-0-2.

Lake Currents November 30, 2018

3.2 Report of the General Manager, Phil Rodenberg A. CARC Project Update Footings and piers have been poured and the exterior walls have been stabilized. Next steps include finishing pool piping, begin rebar for the pool floor, continue work on the parking lot stone sub-base and begin masonry.

Relocation of the REC power line at the Clubhouse will not result in any additional cost to LOW. B. Other Business Paving for construction of a new basketball half court at Sweetbriar Park has begun and should be completed this month.

Finishline Environmental has started work on four remedial stormwater projects approved by the Board to address flooding issues impacting private lots.

Due to an RSA sewer force main break, the main lake cove between Edgemont Circle and Boxwood Trail experienced high E. coli contaminant levels. Further testing this week revealed that contaminant levels are now below the threshold for acceptable levels and safe for human activity.

3.3 Committee Liaison Reports Finance Committee liaison Bob Hoh reported that more members are using credit cards to pay for fees and purchases, resulting in increased processing fees for LOWA. He mentioned that LOWA performs criminal background checks on all candidates being considered for hire, and those who will be handling money also undergo a credit check. LOWA invests mainly in money market and CDs to maximize stability and preserve capital.

Golf Committee – Pro Shop and Golf Maintenance Budgets. Liaison Bob Hoh reported that the Golf Committee voted unanimously to recommend the Board use two spreadsheets they provided as the starting basis for developing the next budget for the Golf Pro Shop and Golf Operations. The spreadsheets reflect performance of these cost centers over the past three years and should help the Board provide a budget that is more realistic than recent past budgets.

Fitness Committee liaison Walter Diercks reviewed the fee schedule for the new Fitness Center as recommended by the Fitness Committee.

The proposal calls for a modest increase in fees and the addition of an attendant, with the understanding that next year will be a trial year when it comes to adjusting income against expenses due to variables in the areas of membership and staffing.

Pools Committee liaison Zukowski reported that the Pools Committee voted to recommend that the 2019 Pool season end on Labor Day and not be extended.

External Affairs liaison Pete Brown reported the Committee working group continues to study broadband issues. The County is down to one pad site remaining at the Industrial Business Park which two companies are considering. The GWAP is due for release in early 2019 and the Orange County Comprehensive Plan will be attached to it. Real estate statistics show that 211 homes have been sold in LOW so far this year.

Community and Youth Activities liaison Carl Clawson said there will be a Bingo Night this Saturday, November 17 from 6-8 p.m. at the Clubhouse.

3.4 Committee Report Fitness Committee Chair Donna Price reported the Committee’s main focus this year is to work with the Board and LOWA management as progress is made on the new Fitness Center building, and keep the temporary Fitness Center in the Clubhouse running smoothly. They also submitted to the Board their recommendations for a revised fee schedule and hiring an attendant at the new facility. A Rave-Ons concert scheduled for December 10 and 11th is expected to bring in revenue to help purchase new equipment. Short-term goals include an Open House to attract new members and keeping members informed throughout the year on important issues that affect the Fitness Center and walking trails.

Association News

November 13 Minutes from p. 3

7. Member General Comments Members commented on the use of FLOW funds to help pay for Fitness Center equipment and requested help from maintenance with clearing of culverts.

8. Director Comments Director Zukowski said that the Planning and Communications Committees are working on a survey which will be mailed to all members in the near future.

9. Scheduled Meetings • Special Board of Directors Meeting with Orange County Board of Supervisors: Wednesday, November 14, 2018 at 7 PM in the Clubhouse.

• Special Board of Directors Meeting, Executive Session: Thursday, November 15, 2018 at 2 PM in the Community Center, Classroom 1.

• Regular Board of Directors Meeting: Wednesday, December 12, 2018 at 2 PM in the Community Center.

• Regular Board of Directors Meeting: Saturday January 5, 2019 at 10 AM in the Community Center.

10. Adjournment: Motion by P. Brown, passed unanimously, to adjourn the meeting at 8:41 p.m.

Walter Diercks, LOWA Secretary

15

Players Christmas Production

by Sandra Frame, Member, LOW Players

The small cast from the Players is busy rehearsing for A Nice Family Christmas, which is being presented at The Inn at Kelly’s Ford on Dec. 14 and 15 at 7 PM with a matinee on Dec. 16. This comedy is the story of a young newspaper writer who is given one chance to avoid being fired by writing about a family Christmas – his own. He goes home to see his recently-widowed mother, his eccentric grandmother, his crazy uncle, fighting siblings and their spouses, all of whom provide constant laughs. When they discover that he is going to publish family secrets about their dysfunctional family, the fruitcake hits the fan!

For more information, or to purchase tickets for one of these dinner shows, please access Kelly Ford’s website at innatkellysford.com. A portion of each ticket price will go toward helping support the Players. We are pleased that the Inn has asked us to perform, and hope that many of you plan to attend.

We are now in the planning stages for next year. In January we will hold auditions for our spring play, so be sure to keep your eyes open for the announcement and more about our year ahead.

As always, we welcome and extend an invitation to anyone who likes theater and is interested in joining our group to attend our meetings. These are held on the second Wednesday of the month at the Community Center in Classroom 1, starting at 7 PM. Our next planning meeting is on Jan. 9, 2019.

Until We Meet Again

Lake Currents November 30, 2018

Viewpoints

by Phyllis Repko , RSA

Here’s wishing all a safe and celebratory holiday season! You have known me as the voice on the other end of the RSA phone, the go-to and problem-solving lady with a smile for all. It has been my honor and great pleasure getting to know and assist many of you while serving the LOW community over the past 30 years. Many of you know I was employed by LOWA from June 1989 – Feb. 2000, prior to working for RSA from Feb 2000 through August 2018. You became my second family and you will be missed.

I look forward to our paths crossing in the future as I move on to the next chapter in my life.

If you would like to keep in touch, I can be reached by phone at 540-9722873 or by email at prepko@comcast.net. Hope to see you around the ‘Burg!

Make a Decorative Snowflake Ornament at the Wilderness Branch Library

by Michele Beamer, Branch Librarian

Join us on Thursday, Dec. 6 from 10:30 AM until noon to create lovely decorative snowflake ornaments. We will use metallic sharpies and glitter to create stunning hanging snowflake ornaments. There are many designs to choose from – you can completely customize your snowflakes. Each participant will make two snowflakes.

This program is free and open to all adults 18 and over, and all supplies are included. Please register in person at the front desk of the Wilderness Library or by calling 540-854-5310.

LOW Book Club

by Mary R. Nolan

The selection for the Dec. 12 LOW Book Club meeting is A Tree Grows in Brooklyn, by Betty Smith. A work of fiction inspired by the author’s childhood, the book is timeless in its depiction of lives and events. The tree seems to grow out of the cement sidewalk and serves as an analogy for the ability to thrive in a harsh environment. The family that is the central focus of the book lives in extreme poverty and emotional turmoil during the first two decades of the 20th century. Their story is filled with compassion, laughter, cruelty and heartache, and has been read and loved for 75 years. The book is available in all three local library systems (Orange County, Culpeper County and Central Rappahannock Regional).

The LOW Book Club meets at 1 PM on the second Wednesday of the month in the meeting room of the Wilderness Library. The book chosen for the Jan. 9, 2019 meeting is People of the Book, by Geraldine Brooks. It is a fictionalized account of the history and events contained in an ancient Hebrew manuscript.

For further information about the club, call 540 972-9284.

The Gift of Speaking

by Alayna Stiffler, President, Wilderness Toastmasters Speaking is a gift; one that we are given every day of our lives. Talking to people at work, on the phone, with friends, neighbors, or people everywhere, we have a voice. Universally, communication is the skill that connects people; it starts at a very young age, and even when a person is unable to speak the language, they can find a way to communicate, whether by pointing or using gestures to describe what they are saying.

Social media allows people to communicate with typing. Words form in the mind and are communicated to the fingertips that type the words to carry on a conversation on a screen. Opinions are shared; rebuttals are often shared as well.

What is the difference between the two types of communicating? One is oral and the other, non-oral. The oral communicator finds ways to carry on a vocal conversation, whereas the non-oral communicator carries on a silent communication. They may be comfortable with keyboard conversations yet at a loss having a conversation beyond the keyboard.

Toastmasters helps people to get their voice back and offers them the gift of conversation. Wilderness Toastmasters meets on the first and third Tuesday of the month at the Community Center at 6:30 PM. For more information, email WildernessToastmasters@gmail.com.

MGA News

by Mike Dearring, 2nd VP, MGA It’s not too late to sign up to attend the annual Men’s Golf Association Christmas luncheon, Dec. 8, at the Clubhouse. The festivities start at noon, with a cash bar, followed by a traditional Christmas dinner. The cost is $10 for all MGA members. Please deposit payment in the MGA box at the pro shop. Make checks payable to LOW MGA. Membership dues are now being collected for the coming season. MGA membership is open to all men who are LOW property owners or registered tenants. The membership runs from Oct. 1 through Sept. 30. The cost is $20. If you have any questions about membership, contact Mike Dearring at 540-661-6630.

Wishing You a Happy Holiday!

Keller K eller Williams C Capital ap Properties

(540) 388–2541 388– 88–

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LGA News

by Lee Frame, District 5 Supervisor

Congratulations to our Most Improved golfers for 2018: Lisa Halpin - Most Improved 18-Holer Joyce Hartwick - Most Improved 9-Holer Many thanks to everyone who participated in the St. Judeâ&#x20AC;&#x2122;s Tournament in September. The grand total donated to St. Judeâ&#x20AC;&#x2122;s was $10,068.60. Lisa Halpin and her committee deserve a lot of credit for their hard work to help this very worthy cause.

Your LGA dues for the 2018/2019 season are payable now. If you havenâ&#x20AC;&#x2122;t paid yet, try to do so soon to assure that you are listed in the new LGA booklet. Make your check for $25 payable to LOW LGA. Fill out a registration form. You should have received one via email if you are already a member.

You can also pick up a form in the ladiesâ&#x20AC;&#x2122; lounge at the Woods Center.

Deposit the filled-out form and your check in the box in the ladiesâ&#x20AC;&#x2122; lounge.

The sign-up sheet for the LGA Christmas Luncheon on Dec. 7 is posted in the ladiesâ&#x20AC;&#x2122; lounge at the Woods Center. If you plan to attend this event, be sure to sign up so that we have a head count to plan on for the food. The cost for this event is $5.

Remember that Dottie Lohr will continue to collect non-perishable food items for the Food Bank throughout the winter. If you want to donate, leave your items in the LGA closet at the Woods Center. Dottie checks regularly and delivers the items.

COMMISSIONERâ&#x20AC;&#x2122;S SALE OF VALUABLE REAL ESTATE Pursuant to and by virtue of orders of the Circuit Court of Orange County, made and entered in matters therein pending in which the County of Orange, Virginia is the Plaintiff, HENRY LEE CARTER, as Special Commissioner for the said Court, will offer for sale at public auction to the highest bidder in the:

Lake of the Woods Clubhouse Lake of the Woods Subdivision Locust Grove, Virginia on SATURDAY, DECEMBER 8, 2018 at 11:00 a.m.

The following described lots or parcels of land located in the Lake of the Woods Subdivision in the Gordon District of Orange County, Virginia; all references to deed and plat books are to deeds CPF RNCVU TGEQTFGF KP VJG %NGTMĹ?U 1HĹżEG QH VJG %KTEWKV %QWTV QH 1TCPIG %QWPV[ 8KTIKPKC VQ YKV (1) Lot 61, Section 14, Lake of the Woods, as the same appears duly dedicated, platted and recorded in Deed Book 237, at page 323, and in Map Book 2, at page 61; commonly known as 4613 Lakeview Parkway, Locust Grove, Virginia, and shown on the tax maps as T. M. No. USL 14-61. BEING the same property conveyed to Raymond H. Thoman and Clara B. Thoman, husband and wife, by deed from Patricia L. Mathies, dated February 20, 1989 and recorded in Deed Book 423 at page 97.

(2) Lot 64, Section 6, duly dedicated, platted, and recorded in Deed Book 216, page 422 and in Map Book 1, page 41, commonly known as 107 Crystal Court, Locust Grove, Virginia, and shown on the tax maps as T.M. No. USL 6-64. BEING the same parcel conveyed to Dick G. Wilson and Kathryn A. Wilson, as tenants by the entirety, by deed from Virginia Wildlife Clubs, Inc., a Virginia corporation, dated April 22, 1968 and recorded in Deed Book 230 at page 123.

Thee Inn n att Kellyâ&#x20AC;&#x2122;ss Fordd andd Lakee of thee Woodss Playerss present

Lake Currents November 30, 2018

The Orange County Department of Social Services recently provided a quarterly report to the Supervisors. Currently there are 29 children in the foster care system. As I have mentioned before, there is still an urgent need for foster parents in the county. When there are insufficient foster homes in Orange County, we have to move children who need foster care to another county. Removing a child from a home because he or she is at risk is traumatic for the child. If we can keep the child in the county, we can offer some stability by keeping them in the same school and somewhat connected to friends and activities. If we donâ&#x20AC;&#x2122;t have a local foster home, and have to move the child out of the county, the trauma for the child is amplified considerably.

The Department of Social Services is also preparing to implement the Medicaid expansion recently approved by the Virginia General Assembly. It is anticipated that 1,200 to 1,400 new applicants will be eligible and will require processing by department staff. This is almost double the current caseload.

The state is providing an additional $122,623 to assist with implementation and, at this point, no county match is required. However, in future years, the county will have to come up with a 20 percent match.

The Supervisors were also briefed on the programs conducted by Rappahannock Rapidan Community Services. They are a regional provider of behavioral health, intellectual disability, substance abuse and aging services on behalf of local governments. For mental health, they are able to provide same day service for walk-ins seeking help or counseling at clinics in Culpeper and Fauquier. They have trained more than 200 people in crisis intervention to help de-escalate situations where individuals are experiencing a mental health crisis. They have programs for outpatient opioid treatment, including people as young as 15. RRCS provides a variety of services to people with intellectual/ developmental disabilities, including group homes, one of which is located in LOW. There is a senior center in the Town of Orange and they provide other senior services such as housing vouchers and chronic disease management.

Funding for these services is provided through federal and state programs, fees (which include Medicaid, insurance, and direct client payments based on ability to pay) and local governments which provide support at the rate of $6.69 per person. In Orange County, RRCS has provided behavioral health services to over 500 people, intellectual service to over 200 people or families, and substance abuse services to about 200 people. If you think you or someone you know would benefit from any of these kinds of services, you can check the RRCS website at www.rrcsb.org to get a more detailed description of the services and how to access them.

If you have questions about county government, or want to let me know your feelings on specific issues, you can contact me at leeframe@ orangecountyva.gov.

Orange County

Orange County Supervisorâ&#x20AC;&#x2122;s Letter

by Heather Kuzma, Publicity Chair, LGA

FURTHER, the aforesaid tracts are subject to all unexpired conditions, restrictions, reservations and easements of record, if any, constituting constructive notice of the same, and any and all rights of way or easements over, across or through said parcels, including any defects in title to the said property not caused by the Plaintiff.

PROVIDED HOWEVER, that any owner of the above described tracts or his heirs, successors or assigns, shall have the right to redeem the said tracts before 5:00 p.m. on FRIDAY, DECEMBER 7, 2018 by paying Henry Lee Carter, Special Commissioner for the Circuit Court of Orange County all taxes, penalties and interest due with respect to such real estate, together with all costs, including costs of publication and an attorneyâ&#x20AC;&#x2122;s fee set by the Court, by cashierâ&#x20AC;&#x2122;s check. #0& (746*'4 VJGUG UCNGU UJCNN DG UWDLGEV VQ VJG CRRTQXCN CPF EQPĹżTOCVKQP QH VJG %QWTV TERMS OF SALE: The property will be sold in â&#x20AC;&#x153;as isâ&#x20AC;? condition without representation or warranty of any kind. A bidderâ&#x20AC;&#x2122;s deposit of $1,000.00, or the sale price, whichever is lower, in cash or in such other form as the Special Commissioner may determine acceptable in his sole discretion on the date of the sale with the remainder due VGP FC[U CHVGT GPVT[ QH CP QTFGT EQPĹżTOKPI UCNG D[ VJG %QWTV

A Comedy by Phil Olsen

December 14, 15 at 7 PM December 16 at 2 PM Paid Advertisements

IN ADDITION TO THE BIDDERâ&#x20AC;&#x2122;S DEPOSIT, THERE WILL BE A TEN PERCENT (10%) BUYERâ&#x20AC;&#x2122;S PREMIUM ADDED TO THE FINAL BID WHICH SHALL BE DUE WITH THE DEPOSIT ON THIS, THE DAY OF THE AUCTION.

Henry Lee Carter, Special Auctioneer: Roger D. Gibson Commissioner (V.A.A.R. No. 1253) 115 Chapman Street (540) 661-0001 Orange, Virginia 22960 gibsonauction.com (540) 672-1500 Email: Henryleecarterplc@aol.com

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For more information and tickets go to: InnatKellysFord.com

17

Classifieds

Lake Currents November 30, 2018

Home for Sale

18

BEAUTIFUL HOUSE, 3-BEDROOM, 2 Bath, on .39 acres.

Interior offers new mahogany kitchen, new appliances, new flooring, wood fireplace, vaulted wooden ceiling, new roof, huge porch, 5 min. from beach, and much more. $189,900. 105 Winchester Lane, LOW, for showing call 540-755-2545.

Rental LAKEFRONT RENTAL for vacations, graduations, reunions at your back door. Sleeps 18. Three night minimum. Call Tom at 540268-0908. (LOWA registered).

Services 1 CALL TAKES Care of It All Ask Luke Zello, 540-406-3589. 24 HOUR EMERGENCY Service and Storm Damage Repairs. We work with your insurance! Ask Luke Zello, 540-406-3589.

A TOUCH OF CLASS CLEANING by Deborah. Over 20 years experience LOW. (Cell) 540845-3914 or 540-972-1554.

A&T ENTERPRISES - Household repairs and upgrades. Install Toilets, Water Heaters. No job too small.

LOW resident 6 years. References available. Terry 412-760-4593.

A/C & HEATING Installation/Repair - Ask Luke Zello, 540-406-3589.

AIRPORT CONNECTIONS We drive you to/from IAD, DCA, RIC, BWI airports. Reliable service.

Reasonable rates. 540-273-2627.

ALL HOME IMPROVEMENTS, all flooring, decks, basement finishing, roofing, painting, bath and kitchen remodeling, power washing, house and garage cleanouts, additions, house building. Gutter Cleaning and Install Seamless Gutters. Have small backhoe for digging drain pipes and drain tiles.

Licensed and insured. Call Jerry at 540-840-2248 for free estimates.

ALL TYPES of Alterations. Lillian 540-412-5741.

ANTIQUE CLOCK Repair, LOW resident, reasonable rates. Call Hunter, 540-219-7324.

ASK LUKE ZELLO - Inside and Out Home Maintenance Services. Lifetime LOW Resident!

Class A Licensed/Insured! I will beat anyone’s written price and donate to a home in India that rescues the smallest victims of sex trafficking. See all our classifieds.

AskLukeZello.com, 540-406-3589.

ASPHALT Sealing, Repair - Ask Luke Zello, 540-406-3589.

BARBARA’S CLEANING. Regular, Move-in or out, or One-time Cleanings are welcome. Baths & Kitchens a specialty. 540-423-9304.

BOB’S GOT The Eye Security.

Keep an eye on your home with security cameras anywhere (live).

Call Bob at 540-4985026 for a free estimate.

BRICK/STONE Masonry - Patios, walkways, porches, retaining walls.

Ask Luke Zello, 540-406-3589.

BULKHEADS and DOCKS, Boat slips, Ground level decks, Walkways, Steps and Beaches. Since 1993 we have provided quality, affordable services to our neighbors at LOW. Licensed and Insured, including Workman Compensation for all employees. You won’t hire us and then have us hire someone else.

LOWA has contracted our services for the past 15-plus years. Our bulkhead replacement can be measured in miles, not feet. We build many beautiful docks each year. We do not use large equipment in our work.

See some of our work at both LOW Marinas, the small lake boat ramp, and the new LOW Kayak Dock. We recently installed over 1000 ft., of new bulkhead work at Meadow Farms Golf Course. Let us show you why we stay so busy. Free estimates, second opinions, and proof of Insurance are gladly provided. Call D&B Services, Inc., 540-972-7361.

BULKHEADS, DOCKS, and Decks. Our price, materials, and quality is unmatched. Ask Luke Zello, 540-406-3589.

C&C DESIGNS - Custom Home Enhancements. Remodeling/ additions, kitchens/bathrooms, custom concrete showers/ countertops, and custom kitchen islands. New concrete and decorative concrete restoration and resurfacing. Decks, retaining walls, and tranquility gardens.

Landscaping and leaf removal.

Indoor/outdoor ponds, fountains, waterfalls. Interior and exterior painting and deck staining. Custom Pet Homes and Play areas. Call Curtis 540-903-8219. If You Can Imagine It, I can Make it a Reality.

CARPET STEAM Cleaning – Garland Ray, Vietnam Veteran.

Powerful truck-mounted equipment.

Cleaning in Lake for over 20 years.

540-832-7602.

CERAMIC TILING For Bathrooms, floors, foyers, countertops. Call 898-7773 for a free estimate. Ask for Bob Yak. References available upon request.

CHIMNEY REPAIR - Ask Luke Zello, 540-406-3589.

CLEANING - PROFESSIONAL Service. Excellent References.

Call Lourdes, 703-795-5184 or KandHCleaningServices@gmail. com.

CLEANING/HOUSEKEEPING. LOW References. 540-735-4915.

CONCRETE MASONRY Driveways, Patios, Walkways, Hardscaping - Ask Luke Zello, 540406-3589.

CRAWLSPACE WATER Issues?

Ask Luke Zello, 540-406-3589.

CULVERT REPLACEMENT Ask Luke Zello, 540-406-3589.

CUSTOM HOUSE Painting.

Inside and out. Bob Yak & Sons, 540-898-7773. Free estimates.

CUSTOM SHARPENING 540308-9895. www.fastsharp.com.

DAVE THE MOVER LLC. 20 years experience. Local and distant.

540-229-9999.

DECK STAINING - Ask Luke Zello, 540-406-3589.

DOCKS, BULKHEADS, DECKS, and more. Our company has been doing work in LOW since 1976 and has always given our customers affordable, quality and reliable work.

Licensed and Insured and we do all of our own work. My Dad started the business in 1976 and I joined him in 1986 when I graduated from Orange County High School. Most of the original bulkheads in LOW were built by me and my Dad and the design for the bulkheads that are used today was created by my Dad, Rixey Almond.

Many bulkheads and docks are still standing after 25+ years. We only use large equipment if it is absolutely necessary and then only with the permission of the homeowner.

We also do Log Homes, Log Home Repair, Additions, Garages, Barns and no job to small. We will give references upon request or proudly take you to see our work. When you are planning to have work done always compare apples to apples!! Free estimates, second opinions, and proof of insurance are happily provided. Call Almond Construction LLC., Roger Almond 540-207-0979.

DONAHUE HOME Improvements Additions, sunrooms, screen porches, bath remodels, decks. Over 30 years experience. We do it all and do it well!

Resident since 1967. 540-220-2764.

DRAINAGE ISSUES? Ask Luke Zello, 540-406-3589.

DRIVEWAY PAVING, Ask Luke Zello, 540-406-3589.

DYNAMIC DUO. Will rake and clean your yard at a discounted rate.

Bryan and Jamie, 540-207-5831.

ELAINE’S HERE To Help. If you are in need of help with light housekeeping/general assistance or pet sitting, call me at 540-840-7320.

Resident of LOW since 1993.

ELECTRICAL ISSUES? Ask Luke Zello, 540-406-3589.

FALL SERVICES: Seasoned Firewood, Leaf Removal, Tree Removal, Fertilization, and Much More. Free estimates, Stanley Lawn Care, 540-308-8072.

FIREWOOD. ALL seasoned hardwoods; split and ready to burn.

Stanley Lawn Care, 540-308-8072.

FIREWOOD - PROFESSIONAL Tree Surgeon, 540-729-3128.

FOUNDATION REPAIR - Ask Luke Zello, 540-406-3589.

GARY’S OUTDOOR SERVICE. Leaves and gutter cleaning. Call 540-229-5959.

GUTTER CLEANING, 540-2875113.

GUTTER CLEANING/Guard Installation - Ask Luke Zello, 540406-3589.

GUTTER GUARDS, gutter cleaning, gutter repairs and home repairs. 35 years experience. LOW Home Owner. Kenny Skeen, 540972-4326.

HANDYMAN PLUS - 32 year LOW resident and Licensed Contractor. Serving LOW over 20 years. I don’t claim to know it all, and I can’t do it all, but what I can do, I do well. To inquire and for a free estimate, call Erich 972-2664.

HOPE’S HOUSE Cleaning, LLC. Quality house cleaning at a reasonable cost. Free estimates.

Call Hope at 540-538-9503, or email at hopewilder@yahoo.com.

HOUSEKEEPING. LOW References. 540-735-4915.

JORDANS LAWN & Landscaping. Any of your lawn, landscape and tree needs. Leaf Removal, Gutter Cleaning, Pressure Washing. Call 540-222-6593.

JUNK HAULING - Ask Luke Zello, 540-406-3589.

KENNY SKEENS Home Repairs. 35 years experience. LOW Homeowner. 540-972-4326.

LAKESCAPES OF VIRGINIA, LLC - Lawns & Gardens. Design, installation, maintenance.

Residential, commercial. Call Carlos Ortiz, 540-656-6005 or email: lakescapes.llc@gmail.com.

LANDSCAPING HARDSCAPING, Retaining Walls, Patios, Walkways. Ask Luke Zello, 540-406-3589.

LAWN MOWING - Ask Luke Zello, 540-406-3589.

LEAF REMOVAL, 101HP Diesel ODB Municipal 16” Leaf Vacuum.

Ask Luke Zello, 540-406-3589.

LEAF REMOVAL, 540-287-5113.

LOT CLEAN-UP. Ask Luke Zello, 540-406-3589.

MOVING - DAVE THE MOVER LLC. 20 years experience. Local and distant. 540-229-9999.

MOVING LOCALLY? Ask Luke Zello, 540-406-3589.

MULCHING (DELIVERY/ SPREADING). Ask Luke Zello, 540406-3589.

NOTARY SERVICES – LOW. Onsite, will travel. Sherri Lahay Lasover, 540-412-9854 or 202-288-8564.

ODD JOBS, 540-287-5113.

PAINTING- PIONEER Painting: 30 years in business, licensed and insured, A+ rating on Angie’s List.

Call 540-220-8439 for free estimate.

PAINTING/STAINING, Interior/ Exterior. Drywall Repairs. Ask Luke Zello, 540-406-3589.

PAINTING: Interior Painting and Drywall Repair at its best. 20 years of references in LOW, free estimates, licensed, insured, a LOWLINC provider, A+ rating on Angie’s List. See full-page ad in LOW phone directory. Call Lee Jenkins, Lee’s Handyman Service, 540-854-7408.

TYLER’S HARDCORE Tree Service - “We Get the Job Done.”

Tree and stump removal from storm damage, mulching, lot clean up, backyard clearing, hauling, and tree trimming. Dead wood limbs removed out of trees. You will be pleased with my work when we are finished. Payment due when work is completed. References upon request.

Call us 24/7 at 540-860-6550.

WATER MAIN Leak Repair/ Replacement, Ask Luke Zello, 540406-3589.

WINDOW & DOOR Replacements by Bob Yak & Sons, 898-7773.

LOWA Employment Equestrian Center. Part-Time Stable Worker. The successful, dependable candidate will assist with barn chores, including cleaning stalls and paddocks, cleaning and filling water tubs, feeding the horses and blanketing when weather requires. Additional duties may include assisting with pony rides and parties, trail rides and helping with shows and other special events. Previous experience working with Equines required.

Clubhouse. Part-Time Servers/Banquet Servers. Flexible hours working with a great team. Must be over 18 years of age, personable with good communication skills and basic knowledge of dining room and service procedures. Ability to safely lift and easily maneuver trays of food weighing up to 25 pounds essential.

Fareways. Part-Time Bartender. Successful applicant will mix and serve beverages at the Sports Bar and Grill. Applicants must be 21 years old, willing to work flexible hours, weekends, and holidays. Job requires superb customer service skills. One-two years’ experience required.

Fareways. Part-Time Line Cook. Position available at the Golf Course Sports Bar and Dining facility. Required to accurately and efficiently cook hot food products as well as prepare and portion food prior to cooking. A minimum of one year experience is preferred along with good communication skills, ability to work flexible hours and a team spirit.

Maintenance. Full-Time Buildings Maintenance Technician. Seeking applicants to perform general maintenance and repair of LOW building systems to include water, sewer, electrical, carpentry, heating, cooling and ventilation. Must be able to work in all weather, move/lift up to 80 lbs. At least 2 years facilities maintenance trade preferred or trade or technical school diploma or certification.

All Pay Market Competitive. Submit applications and resumes to HR@ LOWA.org or fax to 540-972-2243. All positions must be able to pass a criminal background check and have a valid VA driver’s license. More information regarding these positions is available in the Human Resources Department. EOE.

For Sale LOW MOVING Sale. Gently used sofabed/matching loveseat, dining and bedroom sets, bar stools, and more! All reasonable offers considered. 207-318-6748.

TREADMILL for SALE, NordicTrack model 1750. Equipped with IFIT, fan, etc. Barely used, excellent condition! Call Cindy at 301-943-2920.

Garage Sale GARAGE SALE - 104 Cedar Court, 8 AM-3 PM, Saturday 12/1.

Lots of items, some furniture too!

Deadline for submissions to the Dec. 14 issue of Lake Currents is Monday, Dec. 3.

Wanted

Deadline for submissions to the Jan. 11 issue of Lake Currents is Friday, Dec. 28.

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Classifieds

WANTED American whisky & bourbon bottles or decanters, sealed and unopened. Older, the better. Cash. Call 540-845-6107 or email majiddk@comcast.net.

Lake Currents November 30, 2018

PATIOS, WALKWAYS, Retaining Walls - Ask Luke Zello, 540-4063589.

PLUMBING PROBLEMS? Ask Luke Zello, 540-406-3589.

POWER WASHING- Go from green to clean. Do you have mold on your siding, rotten wood, that’s a HOA violation. Call 540-642-2349 for estimates. Licensed/Insured.

10% Discount for seniors and military.

PRESSURE WASHING. Ask Luke Zello, 540-406-3589.

REPAIRS & ROOFING. Install new, skylights, Repair Now Before Winter. Clean stains/mold, Seamless gutters. Best warranty.

540-972-9444.

ROOFING and REPAIRS - No leak guarantee! Ask Luke Zello, 540-406-3589.

SERVICE UNLIMITED. Affordable plumbing, home repairs and service. Licensed and insured.

Yearly Plumbing Program. LOW homeowner. 540-287-3984. 24 hours for emergency.

SNAPPER JACK Yard Care, LLC, - Complete yard care, mulch, powerwashing, grass trimming and pruning. LOW homeowner. 540-9075800 or talkingbird@comcast.net.

Fully insured and Free estimates.

SNOW REMOVAL - Professional Tree Surgeon, 540-729-3128.

STEPPING FORWARD A New Beginning LLC Life Coach, www. charlotclaudon.com, 864-556-0321.

TREE CARE/REMOVAL - Premier Arbor Services LLC, Complete Tree Service.

Hardscapes, Yard installation, Stump grinding, Tree trimming. 540718-3794.

TREE REMOVAL, Any size, anywhere. Fully insured. Ask Luke Zello, 540-406-3589.

TREE SERVICE - Professional Tree Surgeon, 540-729-3128.

19

J us is the Reason for the Season

LAKEOFTHEWOODSCONNECT.COM

4207a Germanna Hwy Locust Grove, VA 22508

Lake Currents November 30, 2018

LOW Community

540.972.9040

540-972-2600 jkcarpets.com 4062 Germanna Hwy in Locust Grove 1/4 mile west of Lake of the Woods on Route 3

4305 Lakeview Parkway $244,900

35154 Sara Ct $202,000

1103 Eastover Parkway $268,900

108 Meadowview $299,900

101 Windy Lane $399,999

110 Sand Trap Ln $369,900

118 Edgehill Dr $320,000

3091 Germanna Drive $479,900

504 Cornwallis Ave $649,900

108 Sand Trap Ln $349,900

35134 Sara Ct $199,900

402 Happy Creek Rd $849,900

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Serving Lake of the Woods for over 30 years.

Class A contractor – Bonded / Insured

Paid Advertisements

Showroom Hours: Monday – Friday 9-4:30; Saturday 10-1 Additional hours by appointment.

Contact us about in home consultation.

Coldwell Banker Elite knows the lake and knows how to get your home sold!