Lake Currents November 20, 2020

The Official Newsletter of the Lake of the Woods Association, Inc. Vol. 18, No. 14

540.972.2237

LOWA.org

Junior Golf League Finishes Fall Season

by Brian Barnes, LOW Junior Golf Coach

The Lake of the Woods 13u and 17u PGAJR Leagues competed in their last match, completing their fall season. A special thanks to the volunteer coaches who helped make this season happen: Brian Barnes, Dan Cianci, and Eric Wildermuth.

13u Team Members are: A.J. Accardo, Jack Barnes, Leighton Carter, Nate Berna, Isabella Cianci, Jackson Cianci, Tommy Cooper, Sophie Hansen, Regan Morris, Caleb Offner, Gavin Ritte, Nathaniel Rosado, Giada Stoddard, Luke Sullivan, Liam Vance.

17u Teams Members are: Chase Whelan, Cohen Wildermuth, Evan Wildermuth, Nicholas Williams.

13U Team

Photos by Brian Barnes

/LOWAssociation

November 20, 2020

New Equipment in the Fitness Center

by Greg Stoner, Member, Fitness Committee LOWA has placed two new pieces of equipment in the Fitness Center. To maintain proper social distancing requirements, one has been placed in the main exercise room and the other in the exercise classroom. The new SciFit REX 7001 Recumbent Ellipticals provide for a smooth, natural knee movement that replicates climbing stairs to improve functional gate.

These new elliptical machines allow one to have a knee-to-elbow core exercise. The orthopedic footpads with safety edge provide a comfortable and sturdy foot position.

These newest pieces of exercise equipment have a swivel seat for easy access. This will be especially helpful for individuals with a physical disability or handicap that hampers their ability to move onto a piece of Photo by Greg Stoner equipment easily.

Due to arrive any day will be three new DX Recumbent Lifecycle Exercise Bikes and three new Integrity Elliptical Cross-Trainers. More information and pictures of these new pieces of equipment will be in a future edition of Lake Currents.

All these new pieces of equipment are replacing equipment that has met its Expected Use Life.

Also, don’t forget that as of Nov. 1, the cost of joining the Fitness Center has been reduced by 50%. Therefore, the new rates for membership from Nov. 1, 2020 to April 30, 2021 are as follows: Individual: $66, Couple: $75 and Family: $90. If a household has an Individual who was a paid member prior to Nov. 1, it only costs $9 to add a member as part of the Couple membership to April 30, 2021. Now, that’s quite a deal! Memberships must be bought at the Holcomb Building.

17U Team (L-R) Sophie Hansen (13u), Regan Morris (13u), Nick Williams (17u), Evan Wildermuth (17u), Cohen Wildermuth (17u) Gavin Ritter (13u) Chase Whelan (17u) Jack Barnes (13u)

President's Letter 2 Board Minutes 2 Association News 2-7 General Manager's Column 3 Financials 4-5 Calendar 7, 8 Viewpoints 14 Orange County 17 Classifieds 18-19

Wednesday, November 25 Maintenance closed at 11 AM LOWA Offices closed at 12:30 PM Thursday, November 26 Happy Thanksgiving!

Closures: LOWA Offices, Fareways Café, Equestrian Center LOW Trash Compactor Golf/Pro Shop closed at 2 PM Friday, November 27 LOWA Offices Closed

Saturday, November 28 Member Services Closed December 1, 2, 3 2021-2022 LOWA Budget Presentations 9 AM, Community Center, Zoom See p. 9 Friday, December 4 Christmas Tree Lighting Steaming live at www.Facebook.com/LOWAssociation

LOWA Website Links TEKControl (Visitor Management) LOWA.ORG/TEKCONTROL Vote in the ECC Referendum www.LOWA.org/ECCReferendum support@vote-now.com https://vtnw.com/go/LOWAResend/ LOWA Phase 3 Coronavirus Information www.LOWA.org/CoronavirusPrevention

Association News Lake Currents November 20, 2020

President’s Letter

by Jennifer Zukowski

It will soon be Thanksgiving, a time to consider all the things we can be grateful for. Families gather to share meals and celebrate. This year, however, we must consider the implications of COVID-19. News reports emphasize the danger of spreading the virus while gathering for parties and family celebrations. No matter how you decide to deal with these implications, there is much we can be grateful for.

As President of the Board, I am extremely grateful for the opportunity to work with fellow Board members. I appreciate their advice, questions, and suggestions. I am grateful for LOWA Management and all the employees who work diligently to support the Association.

The newly reconstituted Board has already begun taking action-steps over the past two months toward achieving this Board year’s Board Goals, with Management’s help. Our first goal is to enable LOWA to sustain itself through COVID-19 by offsetting anticipated amenity and administrative income loss. The budget process has begun with goal number one in mind. The Board approved the Miller Dodson Associates for planning and budgeting purposes at its Nov. 7 meeting. Management is already putting the draft budget together, which will be reviewed by the Finance Committee, Planning Committee, and the Board during the Dec. 1-3 Budget Hearings.

The second goal is to update the Lakes Management Plan. An RFP goes out in December requesting bids to identify which company LOWA will work with to update the plan.

The third goal is doing what we can to modify FEMA Insurance Maps.

The Board voted, at its Oct. 21 meeting, to approve a resolution formally requesting that FEMA modify insurance rate maps to accurately depict the flood stages of the Main Lake and Keaton’s Lake. Our General Manager wrote an article in the Nov. 6 Lake Currents regarding the proposed FEMA maps and included a letter that members could send to the Orange County Planning Commission. While we cannot control FEMA, we are doing our best to influence FEMA’s decisions regarding LOWA. Our fourth goal is to Explore Wake Boat Regulations by looking at options for regulating wake boats on the Main Lake to protect shorelines, prevent erosion, and improve boater safety. On Nov. 9, our General Manager put together a Wake Boating Working Group to explore our options. The working group is composed of two members from the Lakes Committee, two members from Safety and Security, one member from Maintenance & Ecology, one member from the Board of Examiners, and one member from the Environmental Control Committee. Staff members include Nick Blankenship, Bobby Jones, Chief Walker and Jamie McGuire. Board members include Carl Clawson, Board liaison for Safety and Security, and Jennifer Zukowski, Board liaison for Lakes. We will be meeting Thursday, Nov. 12 at 3 PM, Thursday, Nov. 19, at 3 PM, and Friday, Dec. 4, at 3 PM. The GM will host a Town Hall meeting via Zoom during the week of Dec. 7.

The Board and Management appreciates input from you, the Members.

Happy Thanksgiving from all of us.

Lake of the Woods Association, Inc.

Regular Board of Directors Meeting November 7, 2020, Unapproved Minutes 9:00 a.m., Community Center Note: These minutes are provided to members for review

Present Others Jennifer Zukowski, President Phil Rodenberg, General Manager Phillip Brown, Vice President Linda Brooks, Recorder (from 10:00 a.m.)

Walter Diercks, Treasurer Teri Vickery, Secretary Carl Clawson Heidi Brown Clifton Wilks Call to Order 1. EXECUTIVE SESSION Motion by H. Brown, passed unanimously, to enter into Executive Session at 9:00 a.m. for the purpose of discussing matters involving violations of the Declaration and Regulations for which a member, his family members, tenants, guests or other invitees are responsible; and to discuss and consider contracts.

Motion by H. Brown, passed unanimously, to exit Executive Session at 9:56 a.m.

2. OPEN SESSION Motion by Clawson, passed unanimously, to enter into Open Session at 10:02 a.m. and to affirm that the Board met earlier today in Executive Session for the purpose of discussing matters involving the Declaration and Regulations for which a member, his family members, tenants, guests or other invitees are responsible; and to discuss and consider contracts.

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

2.3 Approval of Agenda Motion by H. Brown, passed unanimously, that the Board approve the Agenda.

2.4 Approval of Minutes of the October 21, 2020 Regular Board meeting, the October 27, 2020 Special Board Meeting, and the October 27, 2020 Special Meeting of the Membership Motion by Vickery, passed unanimously, that the Board approve the minutes of the October 21, 2020 Regular Board meeting.

Motion by Vickery, passed unanimously, that the Board approve the minutes of the October 27, 2020 Special Board Meeting.

Motion by Vickery, passed unanimously, that the Board approve the minutes of the October 27, 2020 Special Meeting of the Membership.

3. Member Comments on Business Agenda and General Member Comments Maintenance and Ecology Committee Chair Jack Simons commented on Committee initiatives submitted for consideration of inclusion in the planning process.

4. REPORTS 4.1 Report from Orange County Board of Supervisors Supervisor Lee Frame reported the Board of Supervisors will hold their November 18th meeting here at the Clubhouse. One topic will be the FEMA map changes. On December 1st there will be a Public Hearing on the self-storage area. Mr. Frame will be available to meet with any LOW homeowners whose property may be affected. The County Treasurer’s office will be closed for two weeks due to a Covid incident. RSA continues to suspend service disconnections due to unpaid bills. Payment plans can be

See November 7 Board Minutes on p. 15

Board of Directors, LOWA, Inc.

Send email to the Board at: Board@LOWA.org President: Jennifer Zukowski Vice Pres.: Pete Brown Treasurer: Walt Diercks Secretary: Teri Vickery Directors: Heidi Brown

Carl Clawson Clifton Wilks

2

General Manager:

Phillip Rodenberg (prodenberg@LOWA.org)

Director of Facilities (Interim): James "Bobby" Jones (jjones@LOWA.org)

Director of Finance:

Charlie Maneval (cmaneval@LOWA.org)

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 540-9722278 for details about classified and display advertisements which must be prepaid (unless other arrangements are made). POSTMASTER: Send address changes to LOWA, Inc., 102 Lakeview Pkwy, Locust Grove, VA 22508

by Charlie Maneval, Director of Finance On Monday, Nov. 2, all LOWA offices and locations, including Security, migrated to a new phone system provided

by Mitel. Community Members and third parties now have a new user experience when dialing the main office number, 540-972-2237. Instead of going directly to a Member Services Receptionist, the caller is now offered a menu of call routing options to help get them to the Staff person who can most quickly handle their call requirements.

Callers can now: - Press 1 for Security - Press 2 for the General Manager’s Office - Press 3 for General Maintenance which includes options for Roads, Grounds, Buildings, Lakes, and Custodial Services - Press 4 for Restaurants and Community Activities - Press 0 to speak directly to a Member Services Representative

Amber Hubbell With the activation of the new Mitel telephone system for LOWA, callers reaching the main office number will receive options to reach the desired staff function by dialing a single digit.

These instructions are voiced by LOWA’s own Amber Hubbell.

Thanksgiving is here and I am remembering good advice to “be a thankful person”. I am particularly thankful this year for the Association employee men and women who serve the members every day.

During this Coronavirus pandemic, the staff has their regular duties - fixing, serving, cleaning, setting up, adding up, shoveling, raking, protecting - to name a few - plus all the COVID-19 cleaning and distancing duties added on. I hope you are staying safe and will be in touch with your loved ones and friends this holiday season. I’m thankful for all the LOWA members who keep this community glued together with their good deeds for their neighbors during this unusual holiday time.

Right now, think of who you are inviting for Thanksgiving, and instead of waiting to call Security with the name to authorize entry, go to TEK Control and register them. They will thank you later when their trip through the Main Gate is smooth. You can even add their email or cell phone and push a button and BOOM, they will receive a QR Code to show to the Security Access Control Officer. Every visitor with a TEK Control QR Code saves 15 seconds at the gate, because the guard does not have to look up the records.

While you are prepping for your holiday feast, please take a moment to take down your political sign and other temporary signs. Our Covenants Enforcement staff is sending letters to lot owners with signs, and it would be helpful if everyone took their signs down now. Every letter we send costs at least $20 in time and postage, when there are much bigger lot enforcement items out there. Let’s all do our part and take down the temporary signs by Thanksgiving! There are no good or bad temporary signs and right now there are none that are authorized. So please remove any sign in your yard. All the members and staff will be truly thankful!

Happy Thanksgiving!

A Friendly Reminder: Drive 25

by Chief Walker, LOWA Security Please remind your holiday house guests to drive 25 MPH (or lower, where posted) on our roads.

LOWA Security will be enforcing the speed limit.

Member Services/ Holcomb Building: 540-972-2237.

Email: Frontdesk@LOWA.org M-F; 8:30 AM-5 PM; Sat. 9 AM-1 PM Limited Walk-in service Clubhouse: 540-972-2221 *Closed through 12/1 Office Hours: W-F, 9 AM-5 PM Deck/Inside Dining Open w/ Restrictions Wed-Sun 5-9 PM (last order by 8:30 PM) Sat Lunch, 11 AM-4 PM Sun Lunch, 1-4 PM Sun Brunch, 10 AM-1 PM Takeout Available Menus: www.LOWA.org/Clubhouse

25

Community Center: 540-972-9680

Amenities

ECC Office: 540-972-2211 M-F, 7 AM-3:30 PM Equestrian Center: 540-972-2238 M-F 8:30 AM-5 PM (Appt. required) Sat/Sun 9 AM-5 PM Lessons/Pony Rides by appt.

Fareways Café: 540-972-2216 Inside dining open w/restrictions.

Takeout Available Mon-Sat: 8 AM-8 PM Sun: 8 AM-5 PM Menu: www.LOWA.org/Fareways Fitness Center: 540-412-6016 Daily: 8 AM-8 PM, Closed Sundays Annual Members only.

Sign-up required: LOWA.org/ FitnessCenter

Security/Front Gate: 540-972-2210 or 540-972-2020 LOWA.ORG/TEKCONTROL

Golf Pro Shop (Woods Center): Daily 8:30 AM Reserve a tee time 540-972-2230 Golf Course: 8 AM-5 PM daily

Tennis: Alice Mote 540-424-8004 Courts available 7 AM-11 PM

Maintenance Office: 540-972-2223; M-F, 7 AM-3:30 PM 9.9 Leaf/Brush Area: Daily: 7 AM-7 PM Closed Wednesdays Pickleball: Paul Jacobson, 630-715-5657 Outdoor Courts available 7 AM-11 PM

Lake Currents November 20, 2020

Please note that all main phone numbers have remained the same, but extensions are now four digits instead of three. Only the call handling functions have been updated. Callers familiar with the main phone number for a specific Amenity or other location (Fareways, Pro Golf Shop, Clubhouse, etc.) can still dial the number direct and speak to the location Staff representative.

Over the past couple of weeks, we have been fine tuning the system and making changes based on Staff and Membership inputs. We appreciate everyone’s observations and feedback and plan to continue to modify the system as appropriate.

We are excited about this new system and the additional opportunities, productivity, and functionality it provides to Staff and Members of the Community.

by Phil Rodenberg, General Manager, ® CMCA, ® AMS, ® PCAM

Association News

Thankfulness During a Pandemic

New LOWA Phone System

Trash: LOW Compactor Site 540-672-9600 M, TU, TH, F, 7:30 AM-7 PM Sat 8 AM-5 PM; Sun 9 AM-5 PM Closed Wednesdays and holidays County Waste: 540-727-0887 Curbside trash recycling/collection: Wednesdays 3

Financials

Treasurer’s Report

by Walt Diercks, Treasurer, LOWA Board of Directors LOWA’s overall financial position remains good. Actual results for October and the second quarter came in slightly better than expected; we are hopeful that this trend will continue. But we remain cautious now as the weather is turning colder, more activities are coming indoors, cases are increasing everywhere, and further State restrictions took effect on Nov.15. And while the entire organization has felt the primarily negative impact of the pandemic on its operations, there have been some unexpected upsides for the Equestrian Center and Community Activities over the past several months. We continue to regularly monitor Operations and Reserve spending, deferring expenditures as much as possible without negatively impacting genuine maintenance requirements.

We are currently moving into budget season, with the annual budget hearings scheduled for the first week of December. As previously reported, we did receive a loan from the SBA under the Paycheck Protection Program in May and have now formally submitted a request for a waiver, as provided for under this program. We expect to receive a final determination on this application within the next 60 days.

Lake of the Woods Association, Inc. Balance Sheets | Preliminary and Unaudited | as of October 31, ASSETS

2020

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

$

Total Current Assets

$

2,444,822 1,046,949 53,506 (229,577) 91,738 436,919

3,808,082

3,844,357

460,584 101,463 2,167,132 355,656

121,348 60,263 266,571 1,502,395 454,930

3,084,835

2,405,507

1,684,729 27,804,041 177,436 7,282,928 1,672,336 38,621,470 (17,151,280)

1,684,729 25,808,539 106,695 6,442,653 2,502,201 36,544,817 (15,822,372)

21,470,190

20,722,445

$ 28,363,107

$ 26,972,309

$

$

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

2,438,834 943,153 143,709 (249,091) 76,815 454,662

2019

LIABILITIES AND MEMBERS' EQUITY

Lake Currents November 20, 2020

Current Liabilities Accounts Payable Accrued Expenses Accrued Vacation Refundable Deposits Deferred Fees Billed Deferred Fees - Discretionary Amenities Deferred Lot Assessments Current Portion of Long Term Debt Total Current Liabilities Non-Current Liabilities Long Term Debt Net of Current Portion Total Non-Current Liabilities Members' Equity Board Restricted Unrestricted Total Members' Equity Total Liabilities and Members' Equity

66,792 295,684 90,995 11,770 190,696 358,978 3,620,187 1,265,179 5,900,281

80,750 306,520 73,503 11,796 185,191 303,597 3,489,345 458,151 4,908,853

2,526,781

3,109,076

2,526,781

3,109,076

3,084,835 16,851,210

2,405,507 16,548,873

19,936,045

18,954,380

$ 28,363,107

$ 26,972,309

Lake of the Woods Association, Inc. Reserve Analysis FY 2020/2021 Preliminary and Unaudited

2020-2021 04/30/20 Balance 2020/2021 CTR Interest NCR Fees Loan Advances Expenditures Debt Service Transfers Board Authorized Transactions 10/31/20 Balance

4

Repair and Replacement 1,422,821 1,487,004

New Assets and Improvements 478,432

Contingency 61,463 40,000

New Clubhouse Area Construction Recreation and Renovation Complex Fees (CARC) Project 59,968

60,978 713,786

313,150 (957,693)

(17,848)

215,000 2,167,132

460,584

101,463

(215,000) (158,118) -

(419,108) 355,656

Total Reserve 2,083,662 2,240,790 313,150 (975,541) (419,108) (158,118) 3,084,835

Lake of the Woods Association, Inc. Key Measures As of October 31, 2020

Lake of the Woods Association, Inc. Statement of Revenue and Expense Preliminary and Unaudited October 31, 2020

Total Revenue

Excess of Revenue over Expenses

2,326,064 866,503 406,767 (17,500) 3,581,834

$

2,325,856 866,503 406,640 (17,498) 3,581,501

$ 2,365,814 704,262 406,212 (17,500) $ 3,458,788

$

$

242,681 149,349 313,148 45,150 62,278 28,584 37,265 271,067 13,341 20,820 304,627 410,844 169,927 375 550 2,070,006

$

$

179,822 189,874 157,612 30,002 74,115 68,302 51,920 283,780 44,500 28,900 319,595 799,200 260,100 725 2,025 2,490,472

$

5,651,840

$

6,071,973

$ 5,988,033

$

$

$

473,193 1,743,204 374,774 272,515 14,620 64,451 486,636 1,019,596 7,500 135,400 45,998 125,017 38,240 2,776 37,400 9,552 10,510 42,000 675,000 3,157 5,581,539

$

$

316,068 1,539,751 299,998 277,675 9,992 69,204 288,908 1,040,038 16,519 123,153 47,873 92,771 90,369 41,344 3,892 15,334 1,623 7,695 42,000 687,500 4,296 5,016,003

$

635,837

$

490,434

$

$ $

$

Cash & Cash Equivalents - Operating Delinquencies (FY 20-21): % Collected to Date

217,680 177,088 291,572 29,850 69,882 56,373 46,225 264,129 34,418 43,913 281,625 741,619 265,213 1,025 8,633 $ 2,529,245

Receivables - Current (Semi-Annual / Quarterly) Receivables - Delinquent (Current Year)

Bad Debts NCR Depreciation Subtotal Administration Security Communications Fitness Equestrian Environmental Resources Pools Community Activities Golf Operations Clubhouse Fareways General Maintenance Roads Grounds Excess of Revenue Over Expense

392,030

$2,268,118

% 87.9%

$ $6,327,681

8.6% 3.5% 100%

$621,974 $249,187 $7,198,842

% 3.5% 1.2% 1.9%

Total Assessment Billing $7,198,842 $6,956,294 $6,729,536

Income Statement Key Measures Golf Operations Rounds of Golf Played

Current Year YTD 2,107

Prior Year YTD 1,532

Variance 575

$22,608 $9,009 $16,313 $4,661

$16,311 $1,629 $11,786 $3,068

$6,297 $7,380 $4,527 $1,593

Current Year YTD $5,306

Prior Year YTD $17,429

Daily Greens Fee Revenue Daily Cart Fee Revenue Annual Memberships Merchandise Sales

446,108 1,684,999 318,973 214,858 16,031 66,118 463,351 1,004,371 23,660 123,068 44,488 130,562 92,741 38,666 5,918 35,963 2,700 6,847 42,000 600,000 2,571 $ 5,363,993

Revenue YTD Budget $

369,696

2,326,064 866,503 406,767 -

2,325,856 866,503 406,640 -

$

4,287,012 45,150 62,278 28,584 37,265 271,067 13,341 20,820 304,627 410,844 169,927 375 550 -

$ 4,108,809 30,002 74,115 68,302 51,920 283,780 44,500 28,900 319,595 799,200 260,100 725 2,025 -

$

5,651,840

$ 6,071,973

(17,500) 313,148

$3,860,260

Clubhouse

Events Revenue Total Revenue Total Expense Net Surplus (Deficit)

$74,663 ($96,345) ($21,682)

$94,426 ($107,070) ($12,644)

Variance ($12,123) ($19,763) $10,725 ($9,038)

624,040

UNAUDITED

Revenue YTD Actual $

10/31/19

Delinquency Rate FY20-21 Final Delinquency Rate FY19-20 Final Delinquency Rate FY18-19

Lake of the Woods Association, Inc. Summary, Operation Center Income Statement Comparative to Budget (Includes Depreciation in Administration) Year to Date October 31, 2020

Administration Annual Member Assessment Operating Assessment Contribution To Reserve CARC Project

10/31/20

Variance Favorable (Unfavorable) $

22,334 208 127 -

(17,498) 157,612

(2) 155,536

Expense YTD Actual $ 1,044,369

Expense YTD Budget $

--

$

178,203 15,148 (11,837) (39,718) (14,655) (12,713) (31,159) (8,080) (14,968) (388,356) (90,173) (350) (1,475) -

687,500 $ 1,731,869 387,471 109,045 24,850 92,727 314,780 125,714 83,834 454,063 582,987 216,457 409,734 299,291 183,181

$

(420,133)

$ 5,016,003

924,576

$

--

$

$

Net Income (Loss) YTD Actual

Variance Favorable (Unfavorable)

675,000 1,599,576 398,577 110,567 25,564 112,092 344,391 142,150 119,841 454,757 803,161 272,357 484,244 477,331 236,931 5,581,539

(119,793)

$

--

$

$

(12,500) (132,293) 11,106 1,522 714 19,365 29,611 16,436 36,007 694 220,174 55,900 74,510 178,040 53,750 565,536

Net Income (Loss) YTD Budget

(652,339) $ 2,326,064 866,503 406,767 -

$

$

(17,500) 313,148 (687,500) 2,555,143 $ (342,321) (46,767) 3,734 (55,462) (43,713) (112,373) (63,014) (149,436) (172,143) (46,530) (409,359) (298,741) (183,181) 635,837

Variance Favorable (Unfavorable)

(554,880) $ 2,325,856 866,503 406,640 -

(17,498) 157,612 (675,000) 2,509,233 $ (368,575) (36,452) 42,738 (60,172) (60,611) (97,650) (90,941) (135,162) (3,961) (12,257) (483,519) (475,306) (236,931)

$

490,434

$

(97,459) 208 127 -

(2) 155,536 (12,500) 45,910 26,254 (10,315) (39,004) 4,710 16,898 (14,723) 27,927 (14,274) (168,182) (34,273) 74,160 176,565 53,750

Lake Currents November 20, 2020

Operating Expenses Direct Costs of Merchandise Sold Salaries Payroll Taxes/Employee Benefits Insurance Expendable Furnishings Office Supplies Other Supplies Contractual Services Loyalty Program Repairs and Maintenance Telecom Utilities Interest Expense Taxes and Licenses Recruiting Meals and Entertainment Travel and Training Equipment Rental Charity Depreciation Other Total Operating Expenses

$

Budget

Notes

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 Total Operations Center Revenue

Actual

Financials

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

Balance Sheet Key Measures

Prior Year Actual

0 0 0 0 0 0 0 0 0 1 0 0 2 0 0 0 0 0 3 0 4 5 6

145,403

Notes To Income Statement Note 1: Note 2: Note 3: Note 4: Note 5: Note 6:

REVENUE: NCR Fees (+$156k); Tenant Fees (-$41k) 0 EXPENSE: Salaries & Benefits (+$39k); Contractual Services - IT (-$21k); Interest Expense (-$90k) REVENUE: Annual Fitness Center Memberships (-$40k) 0 EXPENSE: Electricity (+$2k) REVENUE: Food Sales (-$182k); Beverage Sales (-$77k); Banquet F&B Sales (-$107k) 0 EXPENSE: Cost of Goods Sold (+$106k); Salaries & Benefits (+$92k); Electricity (+$9k); Linens (+$6k) EXPENSE: Salaries & Benefits (+$24k); Contractual Svcs (+$4k); R&M-Bldgs/Grounds (+$11k); Automated Gate Damages (+$10k); Gas, Oil, Diesel & Lube (+$12k) EXPENSE: Salaries & Benefits (+$45k); Sand & Gravel (+$34k); Asphalt (+$76k); Chemicals (+$13k) EXPENSE: Salaries & Benefits (+$43k); Repairs & Maint-Bldgs/Grounds (+$4k); Chemicals (+$3k) 0 0 0 0 Key: Numbers represented as positive or (+$xxK) reflect a positive variance to budget 0 0 Numbers represented as negative or (-$xxK) reflect a negative variance to budget

5

Association News

Year Round Fun & Adventure

Curious about Membership or Volunteering?

Have Questions?

Boys K - 5th Grade

LOWLINC Celebrates Seniors During Older Americans Month Open House

Friday, Nov. 27, 2020 Woods Center

Lake Currents November 20, 2020

Meet LOWLINC Members and Volunteers Find out how we assist LOW’s older residents so they can remain at home and stay connected to the community.

More info: 855-569-5462

www.lowlinc.org

CUB SCOUT Pack 197

Join Today!!!

Info: josimons179@gmail.com

(540) 223-1208

Holiday Home Decorating Contest Use TekControl for all your holiday guests and be sure to register your guests by November 25th!

Pro Tips: the 102 Lakeview Parkway address for direct 1. Use GPS navigation to the main / visitor’s gate. sure that your guests have their photo ID and your 2. Make address, name and phone number handy at the gate. with barcodes should use the back gate, 3. Members especially during peak hours on Thanksgiving Day beginning around 10:30 AM.

6

Paid Advertisements

Drop in 9:00 a.m. to 1:00 p.m.

LOWA is hosting a holiday home decorating contest in lieu of our Annual Members Holiday Party. Registered homes will be included on a map on LOWA.org so that members can tour the community and look at the homes.

• • • • •

Contest Rules & Deadlines

Friday, December, 4: deadline to register your home.

Thursday, December 10: deadline to decorate your home.

December 11-13: Garden Club will judge homes.

Monday, December 14: Winners notified.

December 18: Winners published in Lake Currents.

Visit www.LOWA.org/HolidayHomes2020 to register.

Winners will be chosen from one of four categories.

Prizes include gift certificates to local businesses.

Griswold Glory Lights galore. So many lights you’ll need sunglasses.

Hallmark Holidays Garland, wreathes, lights, everything for the picture perfect greeting card.

Wacky Tacky Snow globes, figurines, inflatables, lights, lasers. Anything goes!

Winter Wonderland More seasonal, less Christmas, Snowmen, sleighs, and more.

December 1, 2, 3 9 AM, 2021-2022 LOWA Budget Presentations, CC, Zoom See p. 9 for schedule

Nov 20 - 26 8 AM

LOWA Regular Board Meeting November 17

12:00 PM 12:30

Real Virginia LOWA BOD Mtg. with OCBOS November 18

5 PM

LOWA Regular Board Meeting November 17

Committee Meetings: Meetings are subject to change; contact the Committee Chair for current information. Visit www.LOWA.org/ Committees. For schedule updates, check here and online at www.

LOWA.org/Calendar.

Nov 27 – Dec 3

8 AM 12:00 PM 12:30

LOWA Regular Board Meeting November 17 Real Virginia

5 PM

LOWA Regular Board Meeting November 17

Ad Hoc Audit: 11/20, 10 AM, CC, Zoom Investment: 11/23, 1 PM, Zoom Treasurer Mtg. to follow Golf: 11/23, 3 PM, CC, Zoom External Affairs: 11/24, 3 PM, CC, Zoom ECC: 11/24, 9 AM, Zoom Finance: 12/7, 2 PM, CC, Zoom

LOWA BOD Mtg. with OCBOS November 18

Have a show idea?

TV18 is accepting new shows from members and local organizations to air on Channel 18 on LOWA.org.

For more information, view our community programming guidelines on www.LOWA.org/tv18 or contact the communications department.

To view board meetings online log-in to LOWA.org and visit www.LOWA.org/Videos TV 18 Schedule Subject to Change

For assistance with logging on to the website call 540-972-2278.

For assistance accessing Zoom meeting call 540-972-9680 or email ZoomHelp@LOWA.org.

Christmas Toy Drive

Deadline for submissions to the Dec. 4 issue of Lake Currents is Nov. 23.

Deadline for submissions to the Dec. 18 issue of Lake Currents is Dec. 7.

Thursday November 5, - Friday, December 4, 2020 Benefiting:

Lake Currents November 20, 2020

NOTICE for viewing and accessing Zoom Meetings: Go to LOWA.org. Member Login Required.

• Board Meetings: View online at www.LOWA.org/Videos. To join the Zoom meeting, visit www.

LOWA.org/BoardAgendas, for Zoom link.

• Committee Meetings: To access the Zoom meeting and agendas, visit www.LOWA.org/ CommitteeAgendas, for Zoom link.

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 FW Fareways Cafe FC Fitness Center HF Hollyfield Park LGES Locust Grove Elementary

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

Association News

* Clubhouse Closed through 12/1 Wednesday, December 16 2 PM, LOWA Regular Board Meeting, CC, Zoom

Collections Coordinated by: LOW Lioness Lions Club

Ryan Richardson

National Seat Belt Enforcement Mobilization

LOW Clubhouse Manager

Nov 9-29, 2020

Drop off NEW UNWRAPPED TOYS at any of these locations: • LOW Clubhouse • LOW, Fareways Cafe • Lake of the Woods Lions Velona Building – Only on 11/7 & 11/14, 9 AM – 12 PM • The Licata Group, Attn: Pat Licata – Near CVS • Coldwell Banker Elite: Attn: Kathy Merritt – Across from LOW entrance • Lioness Book Sale, Ferris Building – Only on 11/28, 8:30 AM - 1PM Monetary donations accepted, make checks payable to Orange County Children’s Toy Box: P.O. Box 1117, Orange, VA. 22960-0659

Donate Online: occtoybox.org

Paid Advertisement

All donated toys will remain in Orange County and given to children in our area.

7

Wednesday, November 25 Maintenance closed at 11 AM LOWA Offices closed at 12:30 PM

C a lend a r of Ev e nts

For updates, please see www.LOWA.org/Calendar or call the contacts listed below.

Lake Currents November 20, 2020

Thursday, November 26 Happy Thanksgiving!

Closures: LOWA Offices, Fareways Café, Equestrian Center, LOW Trash Compactor.

Golf/Pro Shop closed at 2 PM

SPORTS & EXERCISE (subject to change) Event Church 540-972-9060

Meditation Class

Terry 540-412-2282

Praise & Worship Dance

Sonja 540-972-1734

Senior Softball

John 540-229-7940

Saturday, November 28 Member Services Closed

Square Dancers Club

Dick/Lynn 703-298-6254

Tuesday, December 1 9 AM-5 PM 2021-2022 LOWA Budget Presentations (CC), Zoom.

Info: 540-972-2214.

Square DancersLords & Ladies

Ruth/Marty 540-412-2186 Joyce 540-972-1924

Stretch and Flex

Frances 540-972-5435

Volleyball Adult/coed

Michael 540-809-7406

Walkers & Joggers Club

Diane 540-388-2930

Friday, November 27 LOWA Offices Closed

Water Fitness

Wednesday, December 2 9 AM-5 PM 2021-2022 LOWA Budget Presentations (CC), Zoom.

Info: 540-972-2214.

2 PM LOW Arts Club via Zoom. Info: jenheinz6103@gmail.com.

$

Rebekah 908-358-8406

Yoga Chair

$

Rebekah 908-358-8406

Yoga Flow

$

Rebekah 908-358-8406

Zumba, seniors

$

ACTIVITIES, CLUBS, BRIDGE & FUN Event

Bonnie 540-850-8585 Elba 540-850-8577 (subject to change)

Contact

AARP Meeting

Carolyn 540-972-3306

Catholic Bible Study Group

Karen 262-894-9618

Bridge, Sunday Duplicate

Joe 540-972-8052/Caroline 540-972-7688

Bridge, Monday Night

Diana 540-972-7594

Bridge, Wednesday Ladies

Joan 540-972-7548

Bocce Club

Dirk 540-622-3440

Book Club, LOW

540-972-9284

Chess Club

Kurt 703-401-8592

Deadline for submissions to the Dec. 4 issue of Lake Currents is Nov. 23.

Childhelp Auxiliary

Nancy 540-972-2599

Civic Club Meeting

Pat 540-735-7998

Civil War Study Group

Charles 540-972-2401

Deadline for submissions to the Dec. 18 issue of Lake Currents is Dec. 7.

Closet Quilters

Maureen 540-972-7010

Coloring Book Club

540-972-9680

Craft Group

Rochelle 540-972-3438

DAR Susannah Chandler

Betty Larson 540-661-7202

Democratic Club

Kerry 540-220-8547

Fire & Rescue Auxiliary

Marguerite 540-972-3681

Fun Bunch 55+

John 540-972-5611

Garden Club

Jan 540-972-1630

Happy Tails Dog Club

info@happytailsdogclub.net

Friday, December 4 7:30 PM Christmas Tree Lighting Ceremony. Steaming live at www.

Facebook.com/LOWAssociation.

Calendar

Carol 540-972-6739

Yoga Gentle

Yoga Flow on the CH Beach $

Thursday, December 3 9 AM-12 PM 2021-2022 LOWA Budget Presentations (CC), Zoom.

Info: 540-972-2214.

Knitting & Crocheting

Ruthan O’Toole

2nd Generation LOW REALTOR ®

Cell: 540.661.6811 RuthanOtoole.com

4456 Germanna Hwy Locust Grove, VA

Your trusted Real Estate Resource for Life!

Paid Advertisement

Office: 540.972.1234 C21Otoole@gmail.com

8

Contact

Aerobics

$

Sharon 540-848-5810

Knowledge Club

LOWKnowledgeClub@gmail.com

Litter Pick-up in LOW

Jan 540-972-1630

LOW Lioness Club

Donalda 412-2857 Mary 703-231-6297

LOW Arts

Jennifer 703-508-1104

LOW Lions Club

Charlie 540-903-7796

LOW Players

Dave 540-972-6289

Mahjongg

Debby 540-412-5240

Mothers of Preschoolers

Kristen, mops@lowchurch.org

Photography Club, LOW

Bill 540-834-9866

Republican Club, LOW

Tomnortham@aol.com

TOPS weigh in/meeting $

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

Veterans Club

Dan 540-972-0153

Wilderness Toastmasters

WildernessToastmasters@gmail.com

Woodworkers Club

Glynn 703-625-3849

Please refer to meeting room location key on previous page

Association News

Lot Inspections

by Matilde Barone, Covenants/Site Inspector Starting Jan. 4, 2021, the ECC inspector will performing lot by lot inspections. To avoid any notifications, please inspect your property to ensure it is following Lake of the Woods Regulations and Covenants. The inspector will be conducting inspections in the order of the Section, dates of inspection may vary due to weather. The inspector will be driving a LOWA vehicle with logo on the door. If you should have any concerns, please do not hesitate to contact the ECC at 540-972-2211 Tentative lot- by- lot order of inspection: Section 1 start Jan. 4, 2021 Section 2 coming soon Section 3 coming soon Section 4 coming soon Section 5 coming soon

Covenant Enforcement Statistics As of October 2020

By Matilde Barone, Inspector Environmental Control

Year to date Violations New Violations Resolved Violations Remaining Violations

99 7 42 64

Cost First Class Letters $ 40.00 x Second Letters /Certified Mail $ 60.00 x Demand letter from LOWA Attorney $ 600.00 x

Qty.

Subtotal 7 $ 280.00 5 $ 300.00 1 $ 600.00

TOTAL MONTHLY COST TO ASSOCIATION $

1,180.00

Lake of the Woods Association, Inc.

Schedule for Presentation of 2021-2022 Budget to Finance & Planning

Dept Code

Department

Overview Fee Schedule 101 102 304 202 306

Administration Security Pools Fitness Community Activities

501 502 503 303

General Maintenance Roads Grounds Environmental Resources

301 201 401 402 310/510

Equestrian Communications Clubhouse Fareways Golf Operations Capital Plan

Community Center Tuesday Tuesday 12/1/2020 12/1/2020 9-12 1-5 X X

Community Center Wednesday Wednesday 12/2/2020 12/2/2020 9-12 1-5

Community Center Thursday 12/3/2020 9-12

Lake Currents November 20, 2020

The most common violations were maintenance of premises and improvements, unlicensed vehicles, unsightly lots, dead trees. If you have any questions or concerns, please call the ECC office at 540-972-2211

X X X X X X X X X X X

X X X X

9

Best Duo: The Archers

Best Homemade ages 6-12: Bailey Gregerson

Best Homemade ages 0-5: Harper James

Best Overall: Katelyn and Grandpa

Lake Plaza Dental PC

Edwin A Torrey DDS MAGD 36101 Goodwin Dr. Locust Grove, VA 22508

Best Family: The Pettis Family

● ● ● ●

Professional Home Staging Professional Photographs 100 Just Listed Postcards A FEATURED listing on Realtor.com and many additional websites ● Cash back for ALL my buyers!

CALL

540.972.8100 Get started with your benefits for 2020!

Give our office a call, we can help.

Your Smile is your signature accessory. Keep it shining!

10

This is what full service means to my clients:

Located in the Food Lion Center “The Market Place”

Dental Care for the Whole Family is just around the corner!

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Lake Currents November 20, 2020

LOW Community

Winners of the 2020 LOWA Virtual Costume Contest

All for:

4.5 %

John Empey

Serving Your Real Estate Needs For Over 35 Years!

540-972-5229 Home Office 540-273-1099 Cell johnempey1950@gmail.com Call or email me for a FREE Market Analysis of YOUR Home!

If your home is currently listed with another real estate agent, please do not consider this as a solicitation.

LOW Garden Club: A Potpourri of Holiday Preparations

by Karen Kovarik, Publicity Chairman

T Y H OM E C A

RE

Garland Ray

Licensed, Bonded and Insured

540-281-3668

www.nobilityhomecare.org License #HCO-212422

CNA COURSE (if you qualify)

Class A licensed and insured

www.bradiescustomconstructioninc.com

All phases of construction: • • • • •

Cleaning in the Lake Over 20 Years

Free Estimates

540-832-7602 Paid Advertisements

Trustworthy

Bradie’s Custom Construction Inc.

FREE

Church, Veteran & Senior Citizen Discounts

Compassionate and dignified care in your home, provided by Certified Nursing Assistants/Home Health Aides We assist with:

y Bathing y Dressing y Medication Reminders y Meal Preparation y Light Housekeeping y Ambulation y Restroom assistance

When the LOW Arts annual art show (formerly LOWVAC) was cancelled in September, our members looked for new ways to share our art with the LOW community. We decided to pursue the creation of a “virtual” studio tour and to make our artwork available for purchase in an online art gallery. Big steps!

We are proud to announce the LOW Arts Virtual Studio Tour will be available to view on Channel 18 in December. Please check the schedule in Lake Currents for timing. We hope you’ll enjoy getting to know our artists and their creative inspirations while you peek inside their studios and see both works in progress and completed art. Our artists stepped well out of their comfort zones to participate in the filming and we thank VCU film student Amelia Berg for doing a wonderful job of filming and editing our segments. Our participating artists, representing a variety of art media, are Lisa Spencer Ballard, Patty Bell, Denise Berg, Pete Brown, Elaine, and Joe Freeland, Allita Irby, Jen Heinz, Peggy Pope, Linda Shaw, Wally Shaw, Kathy Walters, and Sigrid Wares.

The artist segments are also available to view anytime on our LOW Arts website, www.lakeofthewoodsarts.com. Take a look!

Once you’ve enjoyed our studio tour, we invite you to visit new LOW Arts Online Art Gallery – now open by visiting our website as noted above.

You’ll find jewelry, pottery, painting, mixed media, photography, glass and more. We’ll be building up our inventory over time, so check back often.

We’re offering prompt home delivery in and around LOW at no charge. We appreciate your support for local art and artists.

Our next monthly meeting will be held on Wednesday, Dec. 2 at 2 PM on Zoom. Artists and art lovers are more than welcome to join us. Contact Jen Heinz at jenheinz6103@gmail.com for more information. Happy Thanksgiving!

Power Truck-Mounted Equipment Family Owned Business

More info…

Call

Career Nursing Academy

703-402-2509

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B ILI

Photo by Jen Heinz

(L-R): Top Row: Lisa Spencer Ballard, Kathy Walters (above), Allita Irby (above), Jen Heinz, Wally Shaw. Bottom Row: Denise Berg, Linda Shaw.

Decks Additions Basements Remodels Kitchens

• • • • •

Bathrooms Sunrooms Insurance Restoration New Homes Etc.

Lake Currents November 20, 2020

NO

Carpet Steam Cleaning

by Jennifer Heinz, Member, LOW Arts

LOW Community

As the winter holidays approach, the Garden Club has a sleigh full of projects to dispel winter blues. But, first let us wish you all a Happy, if quiet, Thanksgiving.

Our work on the Memorial Garden continues; be patient. We must bend to mother nature and space availability as we work to improve the appearance.

We will be decorating and donating a Christmas tree to the Living Water Gala, continuing one of our most rewarding traditions. Each year, the Garden Club decorates and donates a Christmas Photo Provided tree to the Living Waters Community The tree topper is milkweed Clinic for their yearly fundraiser to help pods, sprayed gold, with a star those eligible uninsured patients in the anise pod in the center. area receive free medical, counseling, spiritual and soon dental care. This year, the Garden Club volunteers created ornaments to reflect our chosen theme, Back to a Simpler Time.

Dried orange slices, apple slices and whole clementines, cinnamon stars, cinnamon scrap trees, grapevine wreaths and pinecone angels now decorate the tree, topped by a milkweed pod star. Our tree would be right at home in Colonial Williamsburg!

The Holiday Home Decorating Contest announced in the last issue of Lake Currents replaces the annual Christmas party at the Clubhouse, and the Garden Club will participate.

We will judge! Yes, we will still be decorating the Clubhouse and encourage you to come and dine in a “Winter Wonderland” (appropriately masked and distanced, of course).

While COVID-19 has forced the cancellation of our annual Christmas tea, the Board has not forgotten you, and members will find a small surprise awaits. Enjoy.

The orange slice has been dried and a star anise pod added.

LOW Arts Virtual Studio Tour and Online Art Gallery Launch

Free estimates and references available upon request.

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

Owner, President custom6@verizon.net

P.O. Box 191 Locust Grove, VA 22508

11

Cause 4 Paws Raffle Tickets & Donations

LOW Community

by Mary Kay Wilks, Fundraiser Coordinator Unfortunately, the Christkindlmarkt event scheduled for Dec. 5 has been cancelled due to new restrictions by Governor Northam.

However, we are still selling our raffle tickets which can be purchased by sending us a check made out to Cause 4 Paws to Cause 4 Paws, P.O. Box 301, Locust Grove, VA 22508 and we will make out your ticket stubs or call me. Raffle ticket prices are: $2 for one ticket, $5 for three tickets and $10 for eight tickets.

The grand prize is a generously sized Cat Quilt constructed by the Fredericksburg Modern Quilt Guild. The quilt is made up of squares of various colors of kitty faces. Many other prizes will be awarded donated by local businesses.

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 may be tax deductible. Donations can be mailed to Cause 4 Paws at the above address. For more info, see us on Facebook: causefourpaws Locust Grove VA or call me with any concerns or questions at 540-412-5764 or email me at marywilks@comcast.net.

The raffle drawing will be held on Thursday, Dec. 10, in the Cardinal Room at Fareways, beginning at 1 PM. The number of people attending will be limited. Again, thank you for all your support.

LGA News

by Heather Kuzma, Communications, LGA Ladies, our organized Tuesday golf is officially over for 2020. If Mother Nature smiles on us, we can still enjoy lots of days on the golf course. It’s a great way to stay active over the winter.

LGA dues for the 2020/21 season are $25. Please make your checks out to LOW LGA, and note if you are a 9 or 18 holer. Place the checks in the box in the Woods Center ladies’ lounge. The deadline for paying dues, if you want to be listed in the LGA booklet, is Jan. 15. If you are a new member or need to update your email address or phone number, fill out one of the forms available next to the lock box. If no forms are there, contact Deb Newton or Mary Ann Rogers.

The LGA is collecting for our annual LGA Christmas Families Fund to support local families in need over the holidays. If you would like to donate, make your check out to LOW LGA and note “for Christmas family” or put cash in an envelope with the same note on it. Deposit your donations in the box in the ladies’ lounge at the Woods Center no later than Dec. 15.

Handicap fees are due by Dec. 31. The fee for the 2021 season is $38.

Check with Kim or pro Mike Harvey in the pro shop about payment. Your check should be made out to LOWA. If you are a Golf Annual Member, the handicap fee is included in your amenity payment.

Dottie Lohr will continue to deliver LGA donations to the Wilderness Food Bank. Leave your donations of non-perishable food items in the LGA closet at the Woods Center. Your generosity is appreciated, and the need is greater than ever.

Paid Advertisement

A better healthcare experience awaits

with a Medicare Advantage plan from Mary Washington Medicare Advantage (HMO).

Lake Currents November 20, 2020

Learn more at a FREE informational meeting!

You will learn: • The Medicare basics you need, including information about eligibility and enrollment dates • A breakdown of the pros and cons of your options such as Original Medicare, Medicare supplements, and Medicare Advantage plans • Ways to save money on your medical and prescription drug costs • How to get coverage over and above what Original Medicare provides • Details about Mary Washington Medicare Advantage plans available in your community Webinar Friday, Nov. 27 9 a.m. & 2 p.m.

Community Meeting Wednesday, Dec. 2 1 p.m.

Lake of the Woods Comm. Ctr. (Rm. 2) 110 Sweetbriar Park Rd. Locust Grove, VA 22508

Community Meeting Thursday, Dec. 7 10 a.m.

Clearwater Grill 4276 Germanna Hwy. Locust Grove, VA 22508

Webinar Monday, Dec. 7 6 p.m.

Community Meeting Thursday, Dec. 3 10 a.m.

Clearwater Grill 4276 Germanna Hwy. Locust Grove, VA 22508

For a complete list of meetings, visit mwmaplan.com/LearnMore and click “Attend a Seminar.”

Call 855.930.0725 (TTY: 711) from 8 a.m. to 8 p.m., seven days a week.*

Important: RSVPs are required for in-person meetings to ensure a safe meeting environment with proper social distancing. Seating is limited. Call today to reserve your spot.

For accommodations of persons with special needs at meetings, call 855.930.0725 (TTY: 711). *You may reach a messaging service on weekends from April 1 to September 30 and holidays. Please leave a message, and your call will be returned the next business day. Mary Washington Medicare Advantage is an HMO plan with a Medicare contract. Enrollment in Mary Washington Medicare Advantage depends on contract renewal. Mary Washington Medicare Advantage complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 844.529.3760 (TTY: 711). 주의: 한국어를 사용하시는 경우, 언어 지원 서비스를 무료로 이용하실 수 있습니다. 844.529.3760번 (TTY: 711번)으로 전화하십시오.

12

H2825_21-043_C

LOW_11.20

Lost or Found Pets in LOW can be posted on facebook.com/ LOWlostandfoundpets.

Hearing Aids/Eyeglasses Recycled: Place used hearing aids and eyeglasses in LOW Lions boxes at the Ferris Building & Holcomb Building.

Human Services

Alcoholics Anonymous: Meeting every Mon, Wed, Fri, at 7 PM at LOW Church (Rm 210). Info: LOW Church 540-972-9060.

Cancer Support Group for Women and their Caregivers: Meetings are held at LOW Church.

Please contact Suzanne Lentine for meeting dates/time or for more information, 540-972-9060.

For a free COVID-19 regional resource list, go to www. agingtogether.org.

Dementia Memory Café: Second Wednesdays, 2:30 PM, Country Cookin’, 247 Southgate Shopping Center, Culpeper. This is a social event where the person with dementia and/or the caregiver(s) are welcome to come discuss issues.

Contact Bonnie at 540-547-4824 or bonnired@comcast.net.

Dementia Support Groups: Mondays, 6:30-8:30 PM, Home Instead Senior Care, 111 Olde Greenwich Drive, Suite 101, Fredericksburg; Mondays, 11 AM12:30 PM, England Run Library, 806 Lyons Blvd, Fredericksburg.

Info: Ginny Biggs, gbiggs@ agingtogether.org.

PROFESSIONAL AND RELIABLE HOUSE CLEANING SERVICE

15% OFF FIRST CLEANING!!

5TH CLEANING FREE!!

WEEKLY, BI WEEKLY, MONTHLY, OR ONE-TIME CLEANINGS OFFERED CALL US TODAY OR REQUEST AN ESTIMATE ONLINE

Habitat Maids, LLC 540-424-7470

WWW.HABITATMAIDSLLC.COM

LOW Lions/Lioness Wilderness Food Pantry: Located behind Locust Grove Town Center, Route 20. The pantry is open several times a month to provide food to qualified persons/families in Orange County. Please call 888-508-9274 for the schedule of openings and other information about the pantry. LOW Lions rely on Federal food programs, local retail stores, community food drives and financial donations to feed the hungry in our community. Lions Wilderness Food Pantry, P.O. Box 605, Locust Grove, VA 22508. Info: Rick, 540-316-1398.

LOW Lions Medical Equipment: Durable medical equipment is available for temporary loan to those with needs.

Currently loans are being made by appointment only. Please contact Lion Deb at 919-412-0351 or Lion Ed at 540-412-1507. If contacts are not immediately available, please leave message and we will return your call.

Orange County Free Clinic: Offers primary medical care and prescription assistance to the uninsured in OC. Medical care available Mon. through Thurs., by appointment, and on Tues. evenings (walk-in). 101-C Woodmark Street, Orange. Info: Dorren Brown, 540672-0793.

Red Cross Blood Drive: Fourth Tuesday, every other month from noon to 6 PM. Next drive is Jan. 26 in the Community Center. You must be generally healthy and 17 or older. Go to www.redcrossblood.org for more detailed information. Make an appointment online or call 1-800733-2767. Making an appointment saves you time! Walk-ins accepted, on space available basis. Info: Ginny, 540-848-5829 or Carol, 540972-0664.

Seeking Counseling? The LOW Church offers affordable counseling for all persons by appointment. Info: Church, 540-972-9060.

Rappahannock Rapidan Community Services Care-AVan will provide transportation to health care (including picking up prescription medications) and legal appointments for senior citizens (over 60) and persons (over 18) with physical disabilities. Available Mon-Fri. with minimum of 48 hours’ notice. Free Service (donations accepted), Call 540-825-3100 ext.

3358 or 3013.

Vision Impaired Support Group. Meets on the first Tuesday of the month at 10 AM, Community Center, Room 1. Sponsored by the LOW Lions. Contact: Gail Sauro, 540-972-1629 or Gail.Sauro@ yahoo.com.

LOW Community

Annual Christmas Wreaths Sale at the LOW Front Gate. The LOW Boy Scout Troop #197 will be once again selling Fresh Christmas Wreaths on Friday, Nov. 27 and Saturday, Nov. 28, from 8 AM-3 PM. Price is $30 each, which supports the scouts’ summer camp activities.

Pre-orders can be made by emailing cbjr74sa@gmail.com or calling 540316-1456. Please come out and support the scouts while also getting into the Christmas spirit. In keeping with A Scout is Reverent, this year we will also be selling Christmas yard signs “Christmas begins with Christ” and “Jesus is My Reason for the Season,” $15 each, both for $25. Don’t need a wreath or sign, stop by anyway, friendly support and donations are always welcome.

2020 LOW F&R Phone Directory. Cost is $10, cash or check only. Pick up your copy at LOWA Member Services, Holcomb Bldg., or LOW True Value Hardware. Sales benefit LOW Volunteer Fire & Rescue Company.

We work on the Directory year-round; if you have changes, corrections, or deletions, please email: LOWFRTREASURER@ gmail.com.

Cause 4 Paws. We need 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 may be 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 Grove VA or call LA, 540-485-4181 or Darlene 540-972-8038.

LOW Lioness Book Sale.

Used books will be sold on the last Saturday of the month (Feb.Nov.) from 8:30 AM to 1 PM at the Ferris Building. Proceeds go to the Benevolence Fund. Book donations are accepted the day of the sale. No reference or textbooks, please. Info: Ann, 540-972-4338; Sherri, 540412-9854; 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 8-10:30 AM. Call Lion Deb

Diabetic Supplies. Do you have unused, unopened diabetes supplies that you no longer need? Consider donating them to Suppliabetes. We are a local nonprofit that will collect unused diabetes supplies and redistribute them to those in need. For more info call 540-846-1380 or visit Suppliabetes.com.

Divorce Care Support Group Tuesdays from 6:30-8:30 PM, at the LOW Church Library. For more information, contact Mike Lemay at 540-972-9060 or email mike@ lowchurch.org.

Grief Support Group: Griefshare is a free worldwide Biblebased support group to help you through your grief journey after the loss of a loved one. We meet twice a year for 13-week sessions of videos and discussions at the LOW Church. Info: 540-972-9060 or www. lowchurch.org.

Living Water Community Clinic in Locust Grove Town Center (32345 Constitution Hwy, Suite P) offers free medical care and prescription assistance to the uninsured in Orange, Spotsylvania, and Culpeper counties. Medical care available on Thursdays from 5 to 8 PM. Call 540-854-5922 for appointments. Volunteers Needed.

Info: 540-854-5922, Suzanne.

LOWLINC - Non-profit membership service organization dedicated to enabling seniors at the lake to continue living fully and independently in their homes. Volunteer services provided: transportation, light home maintenance, computer assistance, check-in calls, friendly visits and referrals to screened service providers. Fee-based.

Opportunities to volunteer, too. Info: 1-855-LOWLINC or visit lowlinc.org.

Lake Currents November 20, 2020

Fundraisers

at 919-412-0351 to schedule a pick-up. If you or a family member needs 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 9 AM to noon. To arrange for donation pickup, call Doug at 540-495-0640. The Lions are a 501(c)(3) charity; donations may be 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 assist with our Trap/Neuter/Return program, our Voicemail team, updating our Facebook page, writing articles for our Newsletter, etc., or serving on our Board of Directors. For more information, please contact 540-972-5556 or OrangeCountyHumaneSocieyVa. org. We have been a 501c3 charitable organization in Orange County for 60+ years. Donations may be tax deductible; please mail to OCHSVA, P.O. Box 852, Locust Grove, VA 22508.

VIRTUAL EVENT: Blue Ridge Chorale, directed by C. Alexander Smith, Brittany Bache, Accompanist, Melanie Bolas, Assistant Director, is pleased to present their VIRTUAL 2020 Christmas Concert via their website http://www.brcsings.com beginning Saturday, Dec. 19. Online donations are gratefully accepted.

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Notices

13

LOW Veterans Club

No letters were submitted to Viewpoints, and none have been printed.

Lake Currents prints all Viewpoints submitted that meet Viewpoints Guidelines.

The comments and opinions offered by individual members do not necessarily reflect the views of the Association. Letters for publication should be limited to 175 words or less, be submitted by a member in good standing with the association, and emailed to LakeCurrents@LOWA.org. Letters are published as submitted and not subject to editing, except where required to conform to Board approved guidelines. Letters must include writer’s name, lot and section number.

by Fred Pulis, Member, LOW Veterans Club The Veterans Club will hold its annual Christmas Dinner on Friday, Dec. 4 at the Clubhouse. The dinner will start being served at 6:30 PM. The club has decided to invite and provide free meals at the Christmas dinner to all LOW World War II veteran residents and their spouse and care giver. All such veterans are encouraged to contact Vice President Michael Ferguson at 571235-5313 or email at colmferguson@msn.com.

All other veterans and active duty members of any Armed Services and their guests are encouraged to attend. Business attire is suggested, and tuxedo/dress uniform is optional. Wearing of military medals or ribbons on lapels is encouraged. Masks and social distancing are required.

Reservations can now be made for the Dec. 4 Christmas Dinner. The cost of the dinner is $25 per person. The menu consists of one of four choices, which include: Lacy’s chicken, sea bass, chopped Sirloin with brown gravy, and Eggplant Parmesan. Included will be a vegetable medley, baby baked potatoes, garden salad, and chocolate cake.

Menu selection and check made out to LOW VETS can be sent to Gilbert Churchill at 110 Cumberland Circle, Locust Grove, VA 22508. For additional information, he can be reached at 540-972-7452 or at glchur@comcast.net.

Deadline for reservations is Dec. 1 Additionally, the annual Veterans Club Christmas Dinner will feature a Christmas tree decorated with pictures of veterans. Any veteran can submit, prior to Dec. 1, a picture in uniform. The picture will be placed on the tree and remain there until after New Year’s Day. Any singular photo (preferred) 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.

The Veterans Club is seeking the services of a bugler who can play Taps and Call to Colors. Anyone interested in performing these patriotic tunes when requested should contact Club President Dan Greene at 540-972-0153.

Lake Currents November 20, 2020

Childhelp — Thankful in a Crazy Year

by Barbara Robinson, Member, LOW Childhelp Auxiliary

2020 has certainly been, without doubt, the most challenging year most of us have ever seen. And that may be an understatement. Yet, we still have much to be thankful for as the holiday season approaches and the year draws to a close.

First, looking back over the past month, the children at the Alice Tyler Village were able to enjoy their Halloween pumpkins arriving at the village, along with costumes, candy, and bags to decorate for a safe trick or treat.

Second, this year we were unable to have our normal Harvest Moon Dinner Dance, so we tried something new—we held the first-ever on-line auction, finishing up with an in-person auction held at the clubhouse on Oct. 17. It was a great success! We had well over 60 items donated for auction, and while the auction was a learning experience for us, it was relatively as financially successful as in previous years, including the quilt raffle/auction.

Once again, thanks to everyone who participated, helping us raise funds to keep supporting the village.

Last, and most of all, in spite of the challenges of the year, we are thankful that our members and our community are safe in these Covid times, and especially that the children at the village are safe, being safely cared for, and loved.

Happy Thanksgiving, everyone!

Men’s Golf Association News

DAR Susannah Chandler Chapter

by Gene Mulholland, Communications, MGA

Viewpoints

by Marty Hartmann, Vice Regent

Participation and enthusiasm continue to be high for MGA Day with in excess of 40 golfers each week. The MGA welcomes all adult male property owners/tenants. If you’re not an MGA member, consider joining and come out and enjoy a day on the course with your neighbors. The annual dues are $20 and can be paid by either cash or check. Place your dues in a marked envelop and deposit it in the MGA box located in the Pro Shop. Checks should be made out to LOW MGA. On Oct. 20, there was a first-place tie in the Two Best Balls game, with a score of 130. The two winning teams were (1) Steve Cain, Chuck Liddick, Nigel Goodwin, and Dana Compton and (2) Ed Smariga, Ralph Debnam, Mike Hill, and Jim Ogletree.

On Nov. 4, the warm weather brought out the best in everyone (well, maybe not everyone) for the Three Best Balls game. Twelve four-man teams competed, with six teams finishing in the winner’s circle. The team of Jim Corsones, Hank Bassford, George Brock and Joe Marks tied with the team of Mike Rieley, Mark Strickler, Rick McInnis, and Dave Witmer for the top spot with a team score of 202.

Remember to obey the cart restrictions, place sand in divots, repair ball marks on the greens and rake the bunkers (leave rake outside of bunker).

The leaf rule is in effect.

There are four tournaments tentatively scheduled thus far for the 2021 season. They are as follows: Fisher House/MGA Veterans Tournament---June 12 Sadie Hawkins---June 29 Pappy Yokem---Sept. 8 St. Jude Tournament---Sept. 21

November is moving fast already, with many events taking place Virtually!

We started the month “attending” the 15th Annual Genealogy Workshop hosted by Fauquier County Court House Chapter, DAR & Culpeper Minute Men, SAR. We had 10 people attend from both our DAR chapter and the Community Genealogy Study Group!

On Nov. 14, the Culpeper Minute Men DAR Chapter is hosting our Four Chapter National Defense Event (held the closest Saturday to Veterans Day), which we hosted last year at the LOW Clubhouse. It will be presented this year via Zoom.

Our November chapter meeting will also be via Zoom, on Saturday, Nov. 21, which is also the 400th Anniversary of the Landing of the Mayflower! (We have several Mayflower descendants in our chapter!)

Our Community Service Projects, including donations to the Fredericksburg VA Clinics and book fundraiser for school children learning virtually at home, are ongoing. If you would like to make any donation to help support our local community projects, please email SusannahChandlerChapter1@gmail.com for details.

If you are interested in the Community Genealogy Study Group, and/or getting assistance in your genealogical journey, do not hesitate to contact us!

We have a lot of resources available!

If you are interested in finding out more about the Daughters of the American Revolution, would like to “sit in” on our virtual Chapter meeting programs, or would like help in researching your family for Revolutionary Patriots, please email SusannahChandlerChapter1@gmail.com, or call 540-661-7202.

Stay healthy, safe and do what you can for others in need!

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14

Fall Services

• Leaf Removal • Fertilization • Snow Removal E FREates! m i t Es

• Seasoned Firewood • Miscellaneous Clean-up • Bobcat Services Available

540-308-8072 Stanley Lawn Care

November 7 Board Minutes from p. 2

Name Sandie Frame Alica Payne Jay Fox Stan Wisniewski

Action Advisor Voting Alternate Alternate

Committee Equestrian Equestrian M&E M&E

Term-End Date November 6, 2023

D. Referendum Update Secretary Vickery reported that as of November 7th, 2174 votes have been received, 1492 electronic.

4.7 Report from the General Manager, Phil Rodenberg The monthly financial report for October will be presented at the midmonth Board meeting on November 17th. The first draft of the FY2021-22 budget will be released just before Thanksgiving.

A. Coronavirus Status of LOWA Amenities, Events, Meetings and Offices.

The GM updated the Board on the current status of LOWA community activities and business operations. There have been no significant changes in safety policies since last month’s report. Residents are suffering from Covid-19 fatigue, but are urged to stay disciplined and maintain protective measures against infection. LOWA has been partnering with some of the clubs to hold special events to replace or modify traditional ones.

B. Lakes Management Report LOWA Roads crew began work on the Mt. Pleasant Beach erosion and sediment control project. The improvements will direct stormwater into the lake and mitigate beach erosion. BZ Excavating completed the 2020 crossover pipe replacement project on October 23 at six separate locations.

C. Other Business On November 2, LOWA facilities converted from Shortel to the Mitel phone system.

In October, Equestrian Center staff provided 80 lessons. Most of these were given to students in virtual learning programs and fulfill school physical education requirements.

Income from alcohol sales at Fareways since adopting the sale of mixed beverages has met with inconclusive results. October 2020 sales were $600 less than the prior month, and $2600 less than in October of 2019.

Bad weather and the absence of special events and tournaments may have contributed to lower sales.

4.8 Committee Report A. Golf Committee Chair Bill Halpin reported the Committee has been meeting regularly and will be working on updating the Golf Business Plan over the winter to present to the Board in the spring. The plan includes strategies to achieve goals. Other issues that will need future attention are course playability and appearance, cart erosion, drainage, root pruning and out-of-bounds stakes.

The General Manager is recommending our contract with IGM for golf course maintenance be extended for one more year.

See November 7 Board Minutes on p. 16

• Fall clean-up, leaves, gutters, etc.

10% Off for Veterans • Lot Clean ups 2nd Generation Strong • Bulk Debris Haul Always.

• Trimming - Grass, Shrubs, Trees & Small Tree Removal • Mulch - Bulk Mulch Delivered & Spread • LLP - Limited Liability Partnership, Bonded & Insured • No Job Too Small - Reasonable Rates, Free Estimates (540) 287-7143 David Wilkinson

Vassa Olson Realtor

Selling Homes since 1991.

Call Me - LOW HOME INVENTORY!

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(540) 907-5800 Billy Jack

snapperjackyardcare@gmail.com

Member of FAAR, VAR, NAR

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LOW resident, and LOW Realtor Since 1991

Lake Currents November 20, 2020

5. UNFINISHED BUSINESS 5.1 Consideration of Accepting the Replacement Reserve Annual Update Report by Miller Dodson Associates for Planning and Budgeting Purposes.

(Resolution 2020-24) (D-20-118) Motion by Diercks, passed unanimously, that the Board adopt Resolution 2020-24, an Administrative Resolution, accepting the Replacement Reserve Annual Update Report by Miller Dodson Associates for planning and budgeting purposes.

LOW Community

worked out with RSA. New Gateway signs were approved for major roads entering the County. LOW resident Doug Rogers was appointed to another term on the Economic Development Authority.

4.2 Report from Orange County Sheriff Mark Amos: No report.

4.3 Report from Allied-Universal Security Chief Scott Walker reported October was a good month. The Treator-Treat scavenger hunt and haunted house were very popular. Vandalism was reported at the Campgrounds and patrols there have been increased.

Staff responded to 187 calls for service. Of note were 16 animal complaints, 12 noise complaints and 7 MVA’s. Patrol staff issued 164 summonses.

4.4 Report from LOW Volunteer Fire & Rescue, Inc. Jeff Leibold reported in October the Fire Department received 23 calls, 13 inside LOW and 10 outside. Rescue had 23 calls, 16 inside LOW and 7 outside. Community Risk Reduction education focused on fire prevention in October, and November will focus on safety in the kitchen, carbon monoxide risks and generator use. Their annual food drive is scheduled for November 14 and 15 from 9 am to 3 pm. A drop-off location has not been confirmed.

Donations directly benefit our local Wilderness Food Pantry.

4.5 Report from Orange County School Board Representative Jim Hopkins reported the School Board has been meeting regularly for the past six months using Covid safety guidelines.

Instruction for students has been ongoing using the hybrid model for the past two months, where students take instruction at home but attend class in person on limited days. Both teachers and parents are reporting problems they are encountering using the hybrid model, which does not work very well for the K through 2nd grade students, in particular. It is expected high school sports will start again on December 7.

4.6 Reports of Officers The President, Vice President, Secretary and Treasurer had no report.

A. Executive Session Actions: Motion by Wilks, passed unanimously, that the Board accept the appeal in Case #20-1107-86.

B. Committee Liaison Reports Secretary Vickery reported that the Communications staff is working on how to design a Committee Fair event that is safe for participants.

Director Wilks reported that ECC has forwarded another issue to the Board for their consideration of a possible Regulation change.

C. Committee Changes Motion by P. Brown, passed unanimously, that the Board approve the Committee changes as presented in the Committee Change List dated November 7, 2020: (D-20-117)

15

November 7 Board Minutes from p. 15

Lake Currents November 20, 2020

LOW Community

5.2 Consideration of Sending to the Rules Committee and the LOWA Attorney Amendments to Regulations X.5.a, X.5.d and X.7.b, Regarding Changing the Time Water Activities on the Lakes Must Cease from Sunset to 30 Minutes After Sunset. (D-20-119) Motion by P. Brown, passed unanimously, that the Board send to the Rules Committee and the LOWA Attorney amendments to Regulations X.5.a., X.5.d. and X.7.b., regarding changing the time water activities on the Lakes must cease from sunset to 30 minutes after sunset.

5.3 Discussion of Renaming the Main Marina as North Marina and the Small Marina as South Marina.

After renovating the marinas, what was commonly called the” small” marina was now bigger than the “large” marina near the dam, prompting consideration of renaming the marinas. Directors gave their current suggestions on re-naming. Secretary Vickery reported that feedback from members resulted in no predominantly favored new naming scheme.

No decision was made at this time. The General Manager will consult with the County 911 Communications Manager and come back to the Board with more information on how naming might affect timely 911 response in emergency situations.

16

6. NEW BUSINESS 6.1 Consideration of LOWA Amenities, Events, Meetings and Offices Coronavirus Status.

No action was taken by the Board at this time.

6.2 Discussion of Five-Year Capital Plan.

The General Manager prepared a draft of the Five-year Capital Plan and requested Board input before it can be finalized. Specific budget guidance for FY2020-21 was requested on the best year to do ditch repair, walking trail design and the small marina security gate projects. The Board recommended the projects be ranked to assist with setting priorities. No major changes were recommended, but it was felt that the security gate project was definitely a priority, and that budgeting the initial study for #10 Fairway redesign before 2025 should be considered.

6.3 Discussion of Refinancing the Clubhouse Area Recreation Complex Loan.

The General Manager requested general guidance from the Board regarding consideration of refinancing the CARC loan to lower interest payments for members.

Board members were in favor of further exploring possible lenders for a 4-year term refinance. The Finance Director will research lender and refinance cost information and other details for the General Manager to bring back to the Board.

6.4 Consideration of Publishing in Lake Currents for Member Comment Proposed Rule Changes to Regulation XVI: Environmental Control and Construction Procedures. (D-20-120) Motion by Wilks that the Board approve publishing in Lake Currents for member comment proposed rule changes to Regulation XVI: Environmental Control and Construction Procedures.

Directors and the General Manager suggested some changes to the current draft language.

Motion by Diercks, to amend the motion to send the draft of Regulation XVI with proposed changes back to ECC for further review, and resubmit the revised draft to the Board by January 13, 2021. Vote: Yea: Diercks, Clawson, H. Brown, Vickery and Zukowski. Nay: Wilks and P. Brown. Motion passed 5 to 2.

Vote on the original motion as amended: Yea: Diercks, Clawson, H. Brown, Vickery and Zukowski. Nay: Wilks and P. Brown. Motion passed 5 to 2.

6.5 Consideration of Entering Lots for Maintenance. (D-20-121) Motion by Wilks that the Board approve entry of lot in Case #201107-01 on or after November 7, 2020 to perform maintenance as stipulated in the letters from the Stormwater Inspector and ECC Chair to the individual lot owner, and that the property be billed for the cost related to such work in accordance with Paragraph 14 of the Restrictive Covenants.

Vote: Yea: Zukowski, Vickery, P. Brown, Diercks and H. Brown. Nay: Clawson. Abstain: Wilks. Motion passed 5-1-1.

6.6 Consideration of Approving Additional Work to Repair the Wet Area on Fairway #10 in the Amount of $2,750. (D-20-122) Motion by Clawson, passed unanimously, that the Board approve additional work to repair the wet area on Fairway #10 in the amount of $2,750, funds to come from the Reserve Fund balance.

9. Adjournment Motion by Clawson, passed unanimously, to adjourn the meeting at 12:48 p.m.

Teri Vickery, LOWA Secretary

No Christmas This Year?

by Peter Williams, LOW Lions

Many families in our community are facing a joyless Christmas this year because of the impact of the Covid19 pandemic, which has brought illness and job losses to many. The Lake of the Woods Lions Club is hoping to restore some joy for the victims of the virus with the funds raised by donations to the Tree of Love, which will be dedicated and lit on Saturday, Dec. 5. All money raised will be shared among families the Lions identify as facing financial challenges. If you haven’t donated yet, there is still time for you to do so.

The main tree will be festooned with white and red lights, white in memory of folks who have passed away, red in honor of those who have performed services to you or the community; the smaller tree will be lit with purple lights to honor our Veterans. Please send your check for $5 per light to LOW Lions Club Foundation, P.O. Box 605, Locust Grove, VA 22508 – larger donations will be greatly appreciated.

Penny & Charlie Ostlund Penny: 540.903.9732 Charlie: 540.903.7796 pennyohomes.com postlund@cbeva.com “Exceptional Service with a Personal Touch” 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.

2020 Christmas Tree Lighting Ceremony FRIDAY, DECEMBER 4

www.Facebook.com/LOWAssociation Join us on Facebook for our live-streamed tree lighting ceremony!

7. Director Comments Directors commented on the added function and security features offered by the TEKControl Visitor Management System; and the advantages to members by voting in favor of the Referendum issues.

Special guest appearance from Santa!

8. Scheduled Meetings Regular Board of Directors Meeting: Tuesday, November 17, 2020 in the Community Center. Executive Session: 12:15 p.m. Open Session: 2:00 p.m.

Special Board of Directors Meeting: Wednesday, November 18, 2020 at 6:00 p.m. in the Clubhouse. (Dinner Meeting with Orange County Board of Supervisors) Regular Board of Directors Meeting: Wednesday, December 16, 2020 in the Community Center. Executive Session: 1:00 p.m. Open Session: 2:00 p.m.

Stream begins at 7:30 PM

Thanksgiving and Kitchen Fire Safety Tips

Orange County Supervisor’s Letter

by John Farrell Jr., Secretary/Volunteer Firefighter, LOW Fire & Rescue Company

by Lee Frame, District 5 Supervisor

As our colleagues at the National Fire Protection Association remind us, by following a few simple safety tips you can enjoy time with your loved ones and keep yourself and your family safer from fire.

Top 10 safety tips • Stay in the kitchen while cooking on the stove top; keep an eye on the food.

• Stay in the home when cooking your turkey and check on it frequently.

• Keep children away from the stove. It will be hot; kids should stay three feet away.

• Make sure kids stay away from hot food and liquids. Steam or splash from vegetables, gravy or coffee could cause serious burns.

• Keep knives out of the reach of children.

• Be sure electric cords from an electric knife, coffee maker, or other appliances are not dangling off the counter within easy reach of a child.

• Keep matches and utility lighters out of the reach of children — up high in a locked cabinet.

• Never leave children alone in room with a lit candle.

• Keep the floor clear; don’t trip over kids, toys, pocketbooks, or bags.

• Make sure your smoke alarms are working. Test them by pushing the test button.

Thanksgiving fire facts • Thanksgiving is the peak day for home cooking fires, followed by Christmas Day, Christmas Eve, and the day before Thanksgiving.

• In 2017, U.S. fire departments responded to an estimated 1,600 home cooking fires on Thanksgiving, the peak day for such fires.

• Unattended cooking was the leading contributing factor in cooking fires and fire deaths.

• Cooking equipment was involved in almost half of all reported home fires and home fire injuries, and it is the second leading cause of home fire deaths.

We are all ready and decked out for Christmas! Stop by and see our great selection of cute ornaments, decorations, gifts and goodies we are offering this season!

we specialize in:

paver patios & raised patios, retaining walls, paver walkways & driveways, drainage, sodding, landscaping and seasonal work

Jonpaul G. Hix (540) - 972 - 7024 www.creative-concepts-landscaping.com licensed, insured, German trained

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Creative Concepts Landscaping, Inc.

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Also in our Farm Store you’ll find our private label BBQ sauces, jams, butters and salsas along with our Black Angus beef cuts, raw honey and fresh eggs. We just love our Lake of the Woods customers!

Let us help you create the outdoor space you always dreamed of!

Lake Currents November 20, 2020

CHRISTMAS Bees & Trees Farm!

Orange County

As the chairman of the Council for Virginia Career Works (VCW), Piedmont Region, I frequently receive updates on the status of unemployment claims in the state and Orange County. Unemployment claims are processed by the Virginia Employment Commission and their workload has grown exponentially since the COVID-19 pandemic. During 2019, about 11,000 claims were filed each month. Since March 15, that number has grown to 300,000 claims per month. Over one million claims have been filed in the seven months since the beginning of this year. That is more than were filed in the last five and a half years. 91 percent of the claims were paid within 14 days, and over $6.2 Billion was paid since March 15. Over 60,000 of the claims were flagged for administrative hearings resulting in initial delays or denials of benefit payments. Benefits can be denied for several reasons including ineligibility, having been fired for cause, failure to file weekly certification, incorrect social security or bank account numbers and previous disqualification for benefits.

In Orange County, unemployment claims peaked in March and April at about 400 to 600 per week with the maximum number of claimants at about 1,800. Recently claims have dropped off to about 40 per week and about 400 now receiving unemployment benefits. This would represent about 3% of the workforce receiving claims. That does not represent the unemployment rate, since not all unemployed are eligible for benefits. The best estimate for the unemployment rate is 5% for Orange County and about 6% for Virginia.

VCW Piedmont implements the Federal Workforce Investment and Opportunity Act which provides funding for adult, youth, and dislocated workers. It provides a variety of services including career assessments, education and training, resume writing and assistance to employers needing to fill positions. VCW Piedmont can be reached at VCWPiedmont.com or at VCWPiedmont on Facebook or Twitter. The Workforce Transition Coordinator can be reached at 434-979-5610 x107.

It is rewarding to see some of the success stories for individuals using VCW Piedmont services even during the COVID-19 pandemic. One single mother was able to obtain her Certified Nursing Assistant license and is now employed in that area. Another man, recently released from the Coffeewood Correctional Center, is now employed as an assembler in a cabinet manufacturing firm. Another case involved a man who wanted training to get a commercial driver’s license, but whose driver’s license was suspended because he was behind in child support. His career support specialist worked with the child support enforcement office to get this man’s license restored and kept that office appraised of the man’s training progress. The man completed training, received his CDL, and is now fully employed and making full child support payments. The child support enforcement office has asked VCW Piedmont to accept other referrals for training.

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.

As the weather changes, we begin to plan for the holidays and time to gather with friends and family. This year will certainly look different; however, we ask that you keep fire safety in the kitchen in mind as you plan for your holidays.

Did you know?

Home fires caused by cooking peak at Thanksgiving and Christmas. In 2018, fire departments responded to an average of 470 home cooking fires per day.

17

Classifieds

Lake Currents November 20, 2020

Services

18

$100 Cash Giveaway for ROOF REPLACEMENT Referrals leading to a signed contract. Is Your Roof 15+ years old or Leaking? Shingles Damaged, Missing, Deteriorating?

Moss/Algae Growing? Ceiling/ Attic Water Stains? We are GAF & Owens Corning Certified Class “A” Roofers and Insurance Claims Specialists. All our roof systems come with a Non-prorated 50 Year Material and Labor Warranty & 10 Year Workmanship Warranty. All Warranties are Fully Transferable Greatly Increasing the Value & Sell-ability of your Home. We will beat any roof replacement bid from equally licensed and certified roofing contractors using comparable material / warranties. Check out our Stellar 5 Star HomeAdvisor Reviews at AskLukeZello.com. 100% Zero Interest Financing Now Available!

Free Inspection, Repairs and Replacements, Call 540-406-3589.

1 CALL ABOVE All A+ BBB Rated, Ask Luke Zello Takes Care of It All. A Best of the Burg multiple category Top 5, HomeAdvisor Top Rated & Elite Pro, Home Depot Pro Referral, Class A Licensed & Insured family operated company, 20+ year LOWA residents. Our professional tradesmen love to work and we donate heavily to a home in India that rescues the smallest victims of human trafficking. Protect yourself. Before you hire, verify licensed contractors at www.dpor. va.gov/LicenseLookup. See All of our classifieds & give us a call. Ask Luke Zello, 540-406-3589.

10% OFF SALE - Please mention this ad for Discount!

House Washing. Deck Staining, Exterior Painting, Driveway Sealcoating. We Install Mulch and Gravel. 540-850-8060, www.

TrinityHomeImprovementsVA.com, Call or Text.

24 HOUR EMERGENCY Service and Storm Damage Repairs. We work with your insurance! Ask Luke Zello, 540-406-3589.

25-YEAR NO Clog Guarantee Aluminum Gutter Guard Installation.

Ask Luke Zello, 540-460-3589.

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

ADDITIONS, ROOF Replacement, Kitchen/Bath Remodel, Deck. Class A Contractor.

540-845-1047. 35 years at LOW. AIRPORT CONNECTIONS We drive you to/from IAD, DCA, RIC, BWI airports. Reliable service.

Reasonable rates. 540-273-2627.

AIRPORT SHUTTLE Service Returns. Didier’s Rides to Dulles, Reagan, Richmond and Charlottesville, Mask required, 540661-2377.

ARE YOU Just thinking about selling in 2020. Market is strong, inventory is low. For no obligation consultation call or email Vassa Olson w/United Real Estate Premier. Serving LOW homeowners since 1991. Vassaatthelake@gmail. com or 540-840-9444.

ARE YOU looking to get your house cleaned? Need someone who is affordable? I offer the best service at a reasonable price! I’m living in the lake and I have special treatment for my neighbors retired people! Give me a call and we’ll get a great deal! Wanda 434-825-3774.

ASK LUKE ZELLO - Inside and Out Home Improvement and Repairs, 540-406-3589.

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

BOAT/RV STORAGE Locust Grove, 540-760-9711.

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

Ask Luke Zello, 540-406-3589.

BULKHEADS and DOCKS, Boat Slips, Ground Level Decks, Wood Walkways, Lake Steps and Beaches. Since 1993 we have provided quality, affordable services to our neighbors at LOW. We are Licensed and fully Insured. You won’t hire us and then have us hire someone else (uninsured) to do your job. Our bulkhead replacement can be measured in miles, not feet.

We build year-round and do not use large equipment in our work.

See some of our work at both LOW Marinas, the small lake boat ramp, LOW Kayak Dock and Meadow Farms Golf Course. Free estimates, second opinions, and proof of Insurance are gladly provided. Call D&B Services, Inc., 540-972-7361.

LOW Resident.

CAREGIVER/PERSONAL ASSISTANT - Take charge State Certified Insured Nurses Aide. Can manage all the patients needs. No worries when you need short term or long term care. LOW resident.

Diane, 540-388-2930.

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 540-898-7773 for a free estimate. Ask for Bob Yak. References available upon request.

CHILD CARE - Retired school teacher will care for your child in her LOW home. Any age welcome.

Please call 703-615-7472.

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

CLEANING - PROFESSIONAL Service. Excellent References.

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

CLEANING by KIM - General House Cleaning, Move-in, Moveout, Misc. tasks. Serving LOW for over a decade, 561-542-6787.

CLEANING of GUTTERS & Roofs. Snow & Leaf Removal. 540845-1047. 35 years at LOW. CNA - Hi, I’m Hope, Owner and founder of Heartfelt Care LLC. I have over 25 years of experience in providing safe and reliable in-home senior care. I have taken that expertise and built a devoted team of healthcare professionals eager to provide you and your loved ones with quality and affordable care. State certified CNA’s could provide you or your loved one with: Travel to and from appointments, Medication distribution, Physical assistance to the disabled, Light housework, and much more!

We are passionate about serving our community. We would love to provide the comfort and support you and your loved one needs to thrive. With Heartfelt Care, you will rest assured that the care of you or your loved one is in great hands. Please Inquire with Hope at: 540-424-3144.

COMPLETE LAWN Care - Mowing, Weed-Eating, Mulching, Tree Removal, Fertilization, Hedge Trimming. Fully insured, free estimates, references upon request. 540-308-8072, Stanley Lawn Care, Travis Stanley.

COMPUTER REPAIR - by Tech Sense, Inclusive IT support. 9 years supporting LOW, 540-656-7571.

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

CONCRETE WALKS, Patios, Stamped Concrete, Clean and Seal, 540-845-1047.

CONTRACTOR - CHECK http:// www.dpor.virginia.gov to verify licensed contractors. Ask Luke Zello, 540-406-3589.

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.

DAN The HANDYMAN - Gutter cleaning, power washing, painting, custom carpentry. LOW member, 35 yrs experience, 540-841-7450.

DAN’S PLUMBING, 24-hour emergency service, water heaters, drain cleaning, faucets, service and repair. Licensed and Insured. 540242-1532.

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

540-229-9999.

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

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

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

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

FREE INSPECTIONS - See our first classified ad. Ask Luke Zello, 540-406-3589.

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

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 - 34 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.

HOME HEALTH CARE Aide - CNA with 20 years experience caring for the elderly in LOW is currently available to take care of your loved one in your home.

References are available upon request. Please call Mary Green at 540-854-7858.

HOME REPAIRS - Ask Luke Zello, 540-406-3589.

HOUSE WASHING- Go from green to clean with our low pressure application method, Specializing in exterior cleaning. Call Orange County Wash Pros 540-268-0308.

IVAN’S HOME IMPROVEMENTS. Professional painting, drywall repair and installation; tile/backsplash repair and installation. We also install crown molding, chair rail, baseboards & all your carpentry needs, kitchen & bath remodeling, hardwood floor installation, also installation of ceiling fans & light fixtures. Does your house or deck have unsightly mold - let us make it beautiful again by power washing it! We also paint garage floors with 2-part Epoxy paint. Senior citizen & military discounts. Licensed & Insured. Call Ivan Ducceschi 540729-0939.

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

LAKESCAPES OF VIRGINIA, LLC - Lawns & Gardens. Design, Installation, Maintenance.

Professional Tree Removal.

Excavations- basements, water lines, lot clearing. Residential, Commercial. Call Carlos Ortiz, 540656-6005 or email: lakescapes.llc@ gmail.com.

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

LANDSCAPING - PREMIER Arbor Services LLC. Hardscapes, Yard installation, Stump grinding, Tree trimming, mulching, stone work. 540-718-3794.

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

LEAF PROBLEMS? We remove and haul away. Great rates. Free estimate. Call John at 540-9075662.

LEAF REMOVAL with Billy Goat Leaf Vac. Experienced. Call Brian at 540-219-7660.

FRESH EGGS for Sale. 6 1/2 miles West of LOW. 540-672-8069.

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 DISHWASHER. Now hiring a Dishwasher who is age 16 and older and able to lift bags, cases and containers up to 30 pounds. Must be able to work flexible hours, weekends and holidays.

Excellent customer service and communication skills FAREWAYS CAFE– Part-Time LINE COOK to accurately and efficiently prepare hot food products as well as prepare and portion food prior to cooking. One year experience is preferred along with good communication skills, ability to work flexible hours and a team spirit.

General applications are always welcome. 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 Virginia driver’s license. More information regarding these positions is available in the Human Resources Department. EOE.

Offering Management Services since 2016.

We take care of the hard stuff.

You enjoy the benefits!

540-359-1563

We provide all services.

You deserve a team that cares about your home as much as you do!

Classifieds

For Sale

LOWA Employment

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540-287-7143, David Wilkinson; 540-907-5800, Billy Jack. snapperjackyardcare@gmail.com.

Fully insured and Free estimates.

Veterans 10% off.

STAINLESS STEEL Wire Railings, New. 540-845-1047.

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.

USA All The WAY USA! Leaf Removal, Junk Removal, Gutter Cleaning (1-2 Story houses Only), Mulch/Rock/Gravel Installation. Overgrowth Cutback/ Bush Hogging, Underground Drain (Gutter downspout Only, Culvert Pipe Installation. Call/ Text 540-850-8060. Trinity Home Improvements, LLC. WWW. TrinityHomeImprovementsVA.com.

10% Off for Veterans, Firefighter, Military, Police, First Responders.

God Bless America!

WATER / SEWER LINE replacement and repair. Class A Contractor. 540-845-1047. 35 years at LOW. WATER MAIN Leak Repair/ Replacement, Ask Luke Zello, 540406-3589.

WE BUY Houses & Fix yours!

Ask Luke Zello, 540-406-3589.

WINDOW & DOOR Repairs and Replacement. Class A Contractor.

540-845-1047. 35 years at LOW. WINDOW & DOOR Replacements by Bob Yak & Sons, 540-898-7773.

Lake Currents November 20, 2020

Live Kidney Donor Found

Leslie Lavenuta Great news, My mom received a kidney from a Donor at UVA Charlottesville, VA on 9/29/20.

We are excited her surgery went well she’s on her way to recovery. If you still like to donated to help support medical bills and other. ~Loren Lavenuta Please mail checks to:

P.O. Box 725, Locust Grove, VA 22508 Thank you for all your supporting her.

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

Ask Luke Zello, 540-406-3589.

LEAF REMOVAL, Yard Work, 540-845-1047.

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

MAC TECH Support - Setup, Upgrades, Repairs, Data Transfer, Malware Removal, iPhone integration. Free estimates for HS & College Students. LOW resident, 703-579-7306.

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.

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.

PATIOS, WALKWAYS, Retaining Walls - Ask Luke Zello, 540-406-3589.

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

PRESSURE WASHING- Dirty home? We use a low pressure application that’s safe for your siding, Call Orange County Wash Pros 540-268-0308.

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

REPAIRS & ROOFING. Install new and repair any small roof issues-don’t wait until they cause extensive damage. Skylights, Seamless Gutters. Best warranty. 540-972-9444 or lakescapes.llc@gmail.com.

ROOF WASHING- 80% of roofs are replaced prematurely due to color, we are known to bring them back to life! We use a low pressure application that kills any organic growth, Call Orange County Wash Pros 540-268-0308.

ROOFING and REPAIRS - See our first classified ad. Ask Luke Zello, 540-406-3589.

SELLING? DON’T want the stress/expense of fixing & waiting for your house to sell when you could close in two weeks? Ask Luke Zello, 540-406-3589.

SENIORS: NEED a little help while maintaining your independence? Our caregivers are professional CNAs with current background checks. Let us help you! Call Nobility Home Care, where You are the priority. Nobility Home Care. Trustworthy. Licensed, bonded and insured. License #HCO-212422. 540-281-3668; www.nobilityhomecare.org.

SNAPPER JACK Yard Care, LLP - Complete yard care, mulch, powerwashing, grass trimming and pruning. LOW homeowner.

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Call Us Today At (540) 388-2541 To See How Our Proven, Repeatable System Can Benefit You! "We sold our home with Licata Group on the first day. The home was priced appropriately for the market and advice for sale was spot-on. The Team’s professional behavior and extensive experience were evident from start to finish, including every staff member with whom we interacted. We highly recommend the Licata Group and especially, Pat, who was a calming influence during an otherwise stressful situation." - MJ T.

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Lake Currents November 20, 2020

LOW Community

"I was very pleased with the professionalism of Mrs Pat Licata. It was very nice to get text by The Licata Group from potential buyers and time they wanted to look at your home and you decide. The house sold in less than a week. Thanks Pat for all your hard work!!!" - Robert M. "Pat and her team are wonderful to work with. Every question I had was answered quickly and I always felt like they were hard at work getting my home sold. It felt easy and seamless. I would highly recommend the Licata Group for anyone looking to sell or buy a home!" - Kristen T.

Pat Licata Listing Specialist

"The Licata Group with Lauren Cotton providing leadership and customer interface, not only helped us purchase our new home, they also helped sell our old home in 18 days at full price! Thank you for all your assistance, service and professionalism. It was a great experience and I recommend that anyone considering similar activities, call on the Licata Group as they are the best in Locust Grove and especially in LOW!" - Michael M.

"We had the best experience selling our rental house in Lake of the Woods.

Lauren Cotton was such a blessing. Lauren is very knowledgeable about the area, answered all of our questions ( both text and calls) and was always there when we needed anything. Lauren made the selling of our home easy, relaxing and a great experience over all. The Licata Group is the way to." - Katja L. "We worked with Lauren in the sale of our home and the buying of our new home. The Licata group and Lauren were amazing. They were very responsive and on top of everything. Our lender gave them a bit of a run around at times, but everything was handled perfectly. We are so happy with our experience!"

Shelby L.

Lauren Cotton Listing Specialist

Data Provided By Brokermetrics/BrightMLS

The Licata Group/KW 36111 Goodwin Dr Locust Grove, VA 22508

KELLERWILLIAMS.

(540) 388-2541

lakeofthewoodsvirginia.com