Lake Currents June 19, 2019

The Official Newsletter of the Lake of the Woods Association, Inc. Vol. 18, No. 4

540.972.2237

LOWA.org

Pettyjohn Named Teacher of the Year

/LOWAssociation

June 19, 2020

Car Cavalcade a Big Success

by Bill Derryberry, LOW Member

by Dan McFarland, Lake Currents copy editor

Photo provided

Lake of the Woods resident and Teacher of the Year Heidi Pettyjohn is a Library Media Specialist at Locust Grove Elementary School.

Lake of the Woods resident and Locust Grove Elementary School Library Media Specialist Heidi Pettyjohn was honored as 2020 Teacher of the Year for her school by the Orange County Public School System. Her selection was announced May 28 by Schools Superintendent Dr. Cecil Snead.

Pettyjohn and husband Brent, son Ethan, and daughters Natalie and Charlotte, have lived in Lake of the Woods since 2004 and have been active in the LOW Water Ski Club.

“The kids grew up in the Ski Club, learning to ski at ages four and five,” Pettyjon said. “They really loved it. Now the older two are moving into new things, like girlfriends and working. Natalie and her friend Sage just went out to practice swiveling, so they are still loving ski time. I doubt she’ll have too much time for skiing, since she starts lifeguarding this week.”

Other OCPS teachers named as Teacher of the Year for their schools are: Stacy Rublee; Grade 5, Lightfoot Elementary Meredith Elliott, Grade 1, Unionville Elementary Mike Allers, Grade 4, Gordon-Barbour Elementary Holli Handford, Special Education, Locust Grove Primary Suzanne Jarrell, Library Media Specialist, Orange Elementary Tanya Hall, Language Arts, Locust Grove Middle Rod Hawkins, Social Studies, Prospect Heights Middle Whitney Milbourne, CTE, Orange County High

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

Sunday, June 21 Happy Father’s Day! Wednesday, June 24 LOWA Regular Board Meeting 2 PM, Community Center via Zoom Friday, July 3 LOWA Offices Closed

Thirty antique and classic cars and one tri-motorcycle gathered on a beautiful, sunny Sunday June 7, to honor and thank the many organizations at Lake of the Woods that have helped others throughout the Coronavirus pandemic. The cavalcade began in the clubhouse lower level parking lot, circled the LOW Fire Station, and then proceeded past the LOW main entrance around Lakeview Parkway and back to the clubhouse parking lot.

Those honored include first responders, medical personnel, caregivers, food pantry workers, LOW employees, and others. Ahead of the cavalcade, led by Mike Mote’s 1937 LaSalle, was a fire truck from LOW’s Engine Company 29 with siren alerting people of the coming parade of cars. A LOW Security vehicle followed the cavalcade.

Along the way, LOW residents and guests cheered and thanked the show of support, some with their own signs of thanks.

The participating antique and classic cars then parked for a time in the lower level parking lot for those wishing a closer look to see them.

The cavalcade was one way to honor and show thanks to those who have helped LOW residents and others so much.

Photos provided

Saturday, July 4 LOWA Offices Closed LOW Trash Compactor Closed Tuesday, July 14 LOWA Regular Board Meeting 2 PM, Community Center via Zoom

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 Coronavirus Prevention Info www.LOWA.org/CoronavirusPrevention

Association News Lake Currents June 19, 2020

President’s Message

by Clifton D. Wilks

Please be advised that Carl Memmer withdrew from the elections process for personal reasons. There are two candidates running for the upcoming two vacancies (Carl Clawson’s and my terms are ending). There are questions as to how the elections process will work at this point. Some have suggested that since there are only two slots available with two candidates that an election is not necessary.

Please be advised that we have consulted with our legal staff.

To have a valid election, an Annual Meeting must occur. Pursuant to Article VI, Section 5 of LOWA’s Bylaws, the votes for elections are cast by ballot at the Annual Meeting or via proxy (proxy ballot) at the Annual Meeting, and then the election is closed at the Annual Meeting. Quorum for the Annual Meeting is established pursuant to Article IV, Section 7 of the Bylaws “if Members holding 800 of the votes entitled to be cast, in accordance with these Bylaws, shall be present in person or by proxy.” Accordingly, the election process cannot change, because it provides the opportunity for Members to submit proxies to establish their vote or cast written ballots if voting in person at the Annual Meeting.

At this point no proxy ballots for the election have been sent out. When they are sent out, they will only have Carl Clawson’s and Teri Vickery’s names on them. There is no write in space nor provision for the same in the Bylaws.

By the time the proxy ballots are sent, telephone voting will likely be implemented; and we can minimize the costs of mailing to some of the 400 Members who don’t have email.

If you have any questions, please contact Pete Brown, Board Secretary, (pbrownlowbod@gmail.com/704-953-4304) and/or Lisa McKinney, Elections Committee Chair (lamckinney64@aol.com/313-418-5982).

Board of Directors Candidate Slate Now Official

by Pete Brown, LOWA Board Secretary

In accordance with the established rotation of terms for membership on the LOWA Board of Directors, two seats will become vacant in September 2020: two vacancies with three year terms for each.

Three applications were received by the Nominating Committee. All were in good standing and met the minimum requirements for election to, and service on, the Board of Directors.

The current Board of Directors accepted the slate of candidates for the 2020 Directors election at the June 10, 2020, meeting. The candidates are: Carl D. Clawson Carl J. Memmer Teri Vickery Update: After the Board of Directors accepted the slate of Candidates during the June 10, 2020, meeting, candidate Carl J. Memmer withdrew his name from consideration due to personal reasons.

Association Members are encouraged to vote online at www.Vote-Now. com. To sign up for online voting and electronic communication, download the form at www.LOWA.org /forms or pick up a copy at Member Services in the Holcomb Building.

Board of Directors, LOWA, Inc.

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

2

General Manager: Phillip Rodenberg (prodenberg@LOWA.org) Assistant General Manager: Chester Guzek (cguzek@LOWA.org) Director of Facilities: Jessie Graves (jgraves@LOWA.org) Director of Finance: Charlie Maneval (cmaneval@LOWA.org)

Lake of the Woods Association, Inc.

Agenda (Tentative) Regular Board of Directors Meeting June 24, 2020 2 PM, Community Center 1:15 p.m. CALL TO ORDER 1.

EXECUTIVE SESSION 2:00 p.m. 2. OPEN SESSION 2.1 Pledge of Allegiance 2.2 Meeting Notice and Quorum Confirmation 2.3 Approval of Agenda 2.4 Approval of Minutes: June 10, 2020 3.

MEMBER COMMENTS ON UNFINISHED AND NEW BUSINESS AGENDA ITEMS AND MEMBER GENERAL COMMENTS 4.

REPORTS 4.1 Officer Reports A. Executive Session Actions B. Committee Changes C. Referendum Update 4.2 General Manager Report A. Coronavirus and LOWA Community Activities and Business Operations 4.3 Committee Liaison Reports 4.4 Committee Reports A. Equestrian Committee – Laird Knights, Committee Chair 5.

UNFINISHED BUSINESS 5.1 A. Consideration of Adopting Proposed Amendments to Bylaws Article IV.6, Meeting of Members Regarding Voting by Telephone (Resolution 2020-17) B. Consideration of Adopting an Administrative Resolution Regarding Voting by Transmission of Proxy Ballots (as Defined in Bylaws) by Electronic Means (Resolution 2020-18) 6.

NEW BUSINESS 6.1 Consideration of Actions Related to COVID-19 LOWA Community Activities and Business Operations 6.2 Consideration of Sending to the Rules Committee and the LOWA Attorney Proposed Amendments to Regulation IV.H.1, Individual Behavior, Wheeled Devices Regarding a Prohibition at the Clubhouse Pool/Fitness Center Sidewalks and Entryway 6.3 Consideration of Approving Carrying-Over FY2018-19 Capital Projects 6.4 Discussion of 2019-2020 Year-end Capital Projects 6.5 Consideration of Modifying Non-Member Access and Play at Lake of the Woods Golf Course by Discontinuing GolfNOW Marketing 6.6 Consideration of Approving a Change Order for the Bunker Restoration Project (Billy Bunkers) 6.7 Consideration of Entering Lots for Maintenance 6.8 Consideration of Approving Posting Orange County Office on Youth Tobacco Free Playground Signs at Playground Areas 7.

DIRECTOR COMMENTS 8.

SCHEDULED MEETINGS • Regular Board of Directors Meeting, Tuesday, July 14, 2020, Community Center, 1:15 pm Executive Session, 2:00 pm Open Session.

• Regular Board of Directors Meeting, Saturday, August 1, 2020, Community Center, 8:45 am Executive Session, 10:00 am Open Session.

9.

ADJOURNMENT

The Governor’s Stay At Home Order precludes Members from physically attending BOD Meetings. Instead, Members may either send comments ahead of time to Board @LOWA.Org. or attend the virtual meeting via Zoom. Members of record may record any portion of this meeting so long as (1) you first notify the President for an announcement before you begin and (2) you do not interfere with other members or the official recording. (See Administrative Regulation 2016-4.)

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

Lake Currents The official newsletter of the Lake of the Woods Association, Inc. (USPS 872-400) is published bi-weekly for its membership. Nonmembers $20 per year (25 issues). Periodical postage rate paid at Spotsylvania, VA 22553. Visit our web site at: LOWA.org. ITEMS FOR PUBLICATION in the newsletter must be received in the Association office by noon on the Monday after publication for the next publication or by the preceding Friday if Monday is a holiday. All advertising and articles need to be submitted via email to lakecurrents@LOWA.org. The views expressed in guest articles and paid advertisements represent the opinions of authors and advertisers and do not necessarily reflect the views of Lake of the Woods Association, Inc. Call the communications office at 540-9722278 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

Regular Board of Directors Meeting June 10, 2020, Unapproved Minutes 12:45 p.m., Community Center, Zoom Note: These minutes are provided to members for review

Present Clifton Wilks, President Jennifer Zukowski, Vice President Walter Diercks, Treasurer Phillip Brown, Secretary Carl Clawson Heidi Brown Benita Forrest

Others Phil Rodenberg, General Manager Linda Brooks, Recorder (from 2 PM)

Call to Order 1. EXECUTIVE SESSION Motion by Zukowski, passed unanimously, to enter into Executive Session at 12:47 p.m. for the purpose of consulting with legal counsel and discussing violations of governing documents.

Motion by Diercks, passed unanimously, to exit Executive Session at 1:28 p.m.

1.2 Pledge of Allegiance

3. MEMBER COMMENTS ON BUSINESS AGENDA AND GENERAL MEMBER COMMENTS: Members commented on the Scope of Work discussion, and regulations on the skier-down flag rule.

See June 10 Board Minutes on p. 12 Member Services/ Holcomb Building: 540-9722237. Email: Frontdesk@LOWA.org M-F; 8:30 AM-5 PM; Sat. 9 AM-1 PM Walk-in service open to two members at a time.

Drop box located in lobby.

LOWA, Inc., 102 Lakeview Pkwy., Locust Grove, VA 22508 Clubhouse: 540-972-2221 Office Hours: W-F, 9 AM-5 PM Takeout/Delivery Service: Wed-Sun 4-9 PM (last order in by 8:30 PM) Deck Open with Restrictions Wed-Sun, 4-9 PM (last call 8:30 PM) Sat-Sun Lunch, 11 AM-4 PM Menus: www.LOWA.org/Clubhouse Community Center: 540-972-9680

by Phil Rodenberg, General Manager, CMCA ®, AMS ®, PCAM ® Our Facilities Manager Jessica Graves is departing LOWA for a project manager position with VDOT Fredericksburg Residency. Her last day here is July 14. Jessie will be sorely missed! She is a hard worker and a driving force who got big projects done, including the fabulous new Clubhouse Pool/Fitness Center and the first Lake Management Implementation Plan projects from the 2012 Williamsburg Environmental Group Study. I rely heavily on Jessie’s environmental expertise. She is a LEED Green Associate (Leadership in Energy and Environmental Design) who was instrumental in developing the LOWA Energy Conservation Plan. In addition, Jessie knows and loves horses, and so she always had valuable input on Equestrian Center projects, such as building the covered ring.

She successfully directed a complex department of 32 employees, which is no small task. She oversees roads, grounds, buildings, lakes, and covenant enforcement. She skillfully works with the Board, Committees and Members along the way.

Jessie has been at LOWA for 12 years, and Facilities Director for six of those years. She was hired in July 2008 as Environmental Resources Manager (aka Lakes Manager) and was promoted to Facilities Director in March 2014. The VDOT position is a career-advancing move for Jessie, but Jessie Graves a big loss for LOWA. Join me in wishing Jessie happy trails. We will conduct an open search for her replacement.

It has been a June like no other. Our amenities, including our two pools, are operating at limited capacity because of the Phase 2 Governor’s orders. It feels more like summer when you hear the kersplash of a young swimmer jumping in the Sweetbriar Pool deep end. With Phase 2 restrictions, Members are returning to the Pickleball and Tennis Courts, the Fitness Center, and Clubhouse and Fareways. Wearing masks has become a daily routine for us. Members can once again do business inside the Member Services area of the Holcomb Building. Those that successfully answer the screening questions posted on the door, and that wear masks, can come in two at a time to get ID cards and boat decals, pay assessments, etc.

It has been a June like no other in that we had street protests just down the road in Fredericksburg, Orange, and Culpeper. Race is a touchy subject, but we here in LOW should be able to talk together and look for solutions together.

I appreciate that our community is diverse. I’m reminded that the Lake of the Woods Association Values Statement is: “We value diversity, respect for all people and the environment, participation and open communication.”

I hope the second half of June brings rich conversations and more summer fun to you!

Amenities Maintenance Office:

ECC Office: 540-972-2211 M-F, 7 AM-3:30 PM

540-972-2223; 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: Walk-in times for Lessons/Pony Rides-10 AM, 11 AM

Marina – Gas Dock Sat/Sun: 9:30 AM-5:30 PM Tues-Fri: 12-7 PM Closed Mondays

Fareways Café: 540-972-2216 Takeout & Delivery Available Mon-Tu: 8 AM-9 PM Wed-Sun: 8 AM-6 PM Menu: www.LOWA.org/Fareways

9.9 Leaf/Brush Area: Daily: 7 AM-7 PM Closed Wednesdays

Fitness Center: 540-412-6016 Daily: 8 AM-8 PM, Closed Sundays Annual Members only Golf Pro Shop (Woods Center): Daily 7 AM Reserve a tee time 540-972-2230 Golf Course: 7:30 AM-8 PM daily

Pickleball: Paul Jacobson, 630-715-5657 Outdoor Courts available 7 AM-11 PM Pools: Clubhouse: 540-972-2192 11 AM-7 PM daily Sweetbriar: 540-412-6834 1-8 PM daily (Closed Wednesdays)

Lake Currents June 19, 2020

2. OPEN SESSION Motion by Zukowski, passed unanimously, to enter into Open Session at 2:05 p.m., and to affirm that the Board met earlier today in Executive Session for the purpose of consulting with legal counsel and discussing violations of governing documents.

Roll Call: Present in person: President Wilks and GM Phil Rodenberg.

Present via teleconference: Vice President Zukowski, Treasurer Diercks, Secretary P. Brown, and Directors Clawson, H. Brown and Forrest.

2.2 Confirmation of Quorum and Meeting Notice Secretary P. Brown confirmed that a quorum is present and proper notice sent 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 May 20, 2020 Regular Board Meeting, and the May 28, 2020 Special Board of Directors Meeting.

Motion by P. Brown, passed unanimously, that the Board approve the minutes of the May 20, 2020 Regular Board of Directors meeting.

Motion by P. Brown, passed unanimously, that the Board approve the minutes of the May 28, 2020 Special Board of Directors meeting.

President Wilks explained the guidelines for the meeting using the Zoom Teleconferencing Platform and how Board and member participation is being accommodated.

Jessie Graves: A Driving Force at LOWA for 12 Years

Association News

Lake of the Woods Association, Inc.

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

Lake of the Woods Association, Inc. Balance Sheets | Preliminary and Unaudited | as of April 30, ASSETS 2020 2019 Current Assets Cash and Cash Equivalents Lot Assessments Receivable Accounts Receivable Other Allowance for Uncollectible Accounts Inventories Prepaid Expenses

$

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

4,358,483 3,387,740 224,815 (231,689) 80,865 217,933

$

4,893,664 3,216,227 225,703 (235,297) 70,558 149,762

8,038,147

8,320,617

478,433 61,463 59,968 1,422,821 60,976

117,212 60,262 265,333 1,462,641 326,818

2,083,661

2,232,266

1,684,730 25,656,522 258,711 6,442,653 3,696,879 37,739,495 (16,422,372) 21,317,123

1,684,730 21,603,230 106,695 6,779,986 4,657,029 34,831,670 (15,275,461) 19,556,209

$ 31,438,931

$ 30,109,092

$

$

Lake Currents June 19, 2020

LIABILITIES AND MEMBERS' EQUITY Current Liabilities Accounts Payable Accrued Expenses Accrued Vacation Refundable Deposits Current Portion of Long Term Debt Deferred Fees Billed Deferred Fees - Discretionary Amenities Deferred Lot Assessments Total Current Liabilities Long Term Liabilities Notes Payable

325,416 155,473 93,506 13,093 470,450 340,989 1,313,536 6,384,241 9,096,704

1,089,831 192,193 90,968 20,460 253,529 402,766 1,320,759 6,140,010 9,510,516

2,871,783

2,268,237

Total Liabilities

11,968,487

11,778,753

Members' Equity Board Restricted Unrestricted Total Members' Equity

2,083,661 17,386,783 19,470,444

2,232,266 16,098,073 18,330,339

$ 31,438,931

$ 30,109,092

Total Liabilities and Members' Equity

Lake of the Woods Association, Inc. Statement of Revenue and Expense Preliminary and Unaudited April 30, 2020

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

Actual

Budget

Prior Year Actual

$ 4,425,109 1,718,079 813,106 (35,000) 6,921,294

$ 4,451,853 1,690,228 813,278 (35,000) 6,920,359

$ 4,246,252 1,669,992 813,292 (65,000) 6,664,536

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 Total Revenue

352,646 327,401 637,120 54,475 124,935 114,632 66,842 418,345 34,418 54,658 425,200 1,121,029 432,753 1,275 11,185 4,176,914

312,250 410,982 50,000 60,000 147,192 107,400 66,175 439,700 46,250 44,867 486,136 1,301,625 431,940 1,300 2,450 3,908,267

329,915 325,428 453,055 49,100 133,516 53,239 53,242 458,056 12,941 41,251 445,003 1,226,435 452,078 33,450 1,713 4,068,422

$ 11,098,208

$ 10,828,626

$ 10,732,958 $

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

$

689,747 3,245,716 633,213 491,197 27,516 130,932 712,571 1,856,889 28,844 196,285 95,015 227,866 187,582 79,261 7,160 54,865 7,350 16,203 42,000 1,200,000 6,133 $ 9,936,345

$

733,951 3,149,682 701,990 329,206 20,224 133,903 730,640 1,771,535 10,000 215,360 82,000 233,629 77,513 5,900 52,850 11,750 19,200 42,000 1,200,000 5,537 $ 9,526,870

736,097 3,101,984 606,224 313,574 36,528 260,341 607,678 1,793,590 6,377 225,789 86,233 217,930 25,967 69,209 5,617 68,444 8,335 19,382 42,000 1,211,272 7,240 $ 9,449,811

Excess (Deficit) of Revenue over Expenses

$ 1,161,863

$ 1,301,756

$ 1,283,147

Lake of the Woods Association, Inc. Reserve Analysis FY 2019/2020 Preliminary and Unaudited

Repair and Replacement 2019-2020 05/01/19 Balance 2019/2020 CTR Interest NCR Fees Loan Advances Debt Service Expenditures Transfers & Other 04/30/20 Balance

4

1,462,640 1,690,228 50,000 (2,072,132) 292,085 1,422,821

New Assets and Improvements 117,212 2,400 (84,995) 443,816 478,433

Contingency 60,263 1,200 61,463

New Clubhouse Area Construction Recreation and Renovation Complex Fees (CARC) Project 265,333 637,120 (842,485) 59,968

326,818 813,278 8,153 1,192,100 (558,279) (1,721,094) 60,976

Total Reserve 2,232,266 2,503,506 61,753 637,120 1,192,100 (558,279) (3,878,221) (106,584) 2,083,661

June 2020 Treasurer’s Report

Lake of the Woods Association, Inc. Key Measures April 30, 2020 Preliminary and Unaudited

4/30/2019

$4,358,483

$4,893,664

% 97.9%

$ $6,806,413

% 2.1% 1.7% 1.2%

Total Assessment Billing $6,955,009 $6,730,317 $5,771,136

Delinquencies (FY 19-20) as of Apr 30, 2020: % Collected to Date

Final Delinquency Rate FY19-20 Final Delinquency Rate FY18-19 Final Delinquency Rate FY17-18

Income Statement Key Measures

Golf Operations Daily Rounds of Golf Played

4/30/2020 19,002

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

$129,081 $58,648 $174,158 $37,532

Clubhouse

Full Year Ended Variance 4/30/2019 17,496 1,506 $97,014 $54,705 $223,753 $46,649

$32,067 $3,943 ($49,595) ($9,117)

Full Year Ended Variance 4/30/2019 $210,335 ($19,550)

Events Revenue

4/30/2020 $190,785

Total Revenue Total Expense Net Deficit

$1,121,029 $1,368,739 ($247,710)

$1,226,435 ($105,406) $1,408,524 $39,785 ($182,089) ($65,621)

Lake of the Woods Association, Inc. Summary, Operation Center Income Statement Comparative to Budget (Includes Depreciation in Administration) Year to Date April 2020 Revenue YTD Actual Administration Annual Member Assessment Operating Assessment Contribution To Reserve CARC Project

$

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

680,047

$

Excess (Deficit) Revenue Over Expense

$

PRELIMINARY AND UNAUDITED

Revenue YTD Budget $

723,232

Variance Favorable (Unfavorable) $

4,425,109 1,718,079 813,106

4,451,853 1,690,228 813,278

(35,000) 637,120 8,238,461 $ 54,475 124,935 114,632 66,842 418,345 34,418 54,658 425,200 1,121,029 432,753 1,275 11,185 -

(35,000) 50,000 7,693,591 $ 60,000 147,192 107,400 66,175 439,700 46,250 44,867 486,136 1,301,625 431,940 1,300 2,450 -

11,098,208

$ 10,828,626

(43,185) (26,744) 27,851 (172)

$

Expense YTD Actual $ 2,012,304

Expense YTD Budget $

-

587,120 544,870 (5,525) (22,257) 7,232 667 (21,355) (11,832) 9,791 (60,936) (180,596) 813 (25) 8,735 -

1,200,000 $ 3,212,304 770,713 210,133 45,926 191,013 535,577 150,181 201,542 811,087 1,368,739 484,953 867,684 698,177 388,316

269,582

$ 9,936,345

1,555,361

$

-

$

$

Net Income (Loss) YTD Actual

Variance Favorable (Unfavorable)

1,200,000 2,755,361 771,286 220,588 58,586 193,048 537,764 153,450 217,034 837,752 1,337,841 452,750 882,740 691,291 417,379 9,526,870

(456,943)

$

-

$

$

(456,943) 573 10,455 12,660 2,035 2,187 3,269 15,492 26,665 (30,898) (32,203) 15,056 (6,886) 29,063 (409,475)

Net Income (Loss) YTD Budget

(1,332,257) $ 4,425,109 1,718,079 813,106

$

$

(832,129) $ 4,451,853 1,690,228 813,278

(35,000) 637,120 (1,200,000) 5,026,157 $ (716,238) (85,198) 68,706 (124,171) (117,232) (115,763) (146,884) (385,887) (247,710) (52,200) (866,409) (686,992) (388,316) 1,161,863

Variance Favorable (Unfavorable)

$

(35,000) 50,000 (1,200,000) 4,938,230 $ (711,286) (73,396) 48,814 (126,873) (98,064) (107,200) (172,167) (351,616) (36,216) (20,810) (881,440) (688,841) (417,379) 1,301,756

$

(500,128) 0

Lake Currents June 19, 2020

The events of the past several months have presented many challenges to our community and country. As we completed the budget process with renewed enthusiasm for the upcoming year, the COVID-19 pandemic surfaced and the impact to our amenities and operations was quickly felt.

As a result, we ended the year with an unfavorable budget-to-actualincome variance of about $140,000, primarily resulting from the impact of COVID-19, some higher than forecast operating expenses, and an overall decline in amenity revenues. The business issues resulting from COVID-19 are still with us, and we continue to monitor and manage our amenity and operations spending and activities accordingly. At the time of this writing, we are in phase two of the Governor’s plan to re-open and are expecting to move to phase three in a couple of weeks. Phase three will allow for greater amenity use, while still strongly encouraging safe health practices. At this point we do not know how much the use of amenities will be affected by members’ and guests’ continuing COVID-19 related concerns.

On a more positive note, annual assessment collections for the 2020/2021 fiscal year are tracking on par with prior years, and our operating cash and reserve balances are solid. Our delinquency rate for the 2019/2020 fiscal year as of April 30 was 2.1%, slightly higher than prior years, but still considered very low by industry standards. The finance team continues to work with members to collect all outstanding assessments.

In May, we were granted a loan through the Paycheck Protection Program, sponsored by the U.S Small Business Administration. LOWA is using these funds to help combat the negative financial impacts on LOWA finances caused by the current COVID-19 pandemic by bringing back staff required to support amenities as we resume operations. We currently estimate that between $500,000 and $782,100 of this loan will be forgivable, based on current SBA requirements. SBA requirements have not yet been finalized, making it difficult to predict the exact amount that will be forgivable.

We continue to proceed with caution this year as our amenities and operations start to come back to the new normal. The first quarter results may be a good indicator of what we can expect for the rest of the fiscal year.

Notes

Cash & Cash Equivalents

4/30/2020

Financials

by Walt Diercks, Treasurer, LOWA Board of Directors

Balance Sheet Key Measures

(26,744) 0 27,851 0 (172) 0 0 0 587,120 0 87,927 1 (4,952) 0 (11,802) 0 19,892 0 2,702 0 (19,168) 0 (8,563) 0 25,283 2 (34,271) 3 (211,494) 4 (31,390) 5 15,031 0 1,849 0 29,063 0 (139,893)

Notes To Income Statement Note 1:

REVENUE: 0 EXPENSE:

Note 2:

REVENUE: 0 EXPENSE:

Note 3:

REVENUE: 0 EXPENSE:

Note 4:

REVENUE: 0 EXPENSE:

Note 5:

REVENUE: 0 EXPENSE:

NCR Fees (+$587k); Tenant Fees (-$84k) Salaries & Benefits (-$14k); Business Ins. (-$151k); Interest Expense (-$188k); CPA Consultation & Audit (-$35k); Contractual Services-IT (-$21k); Loyalty Program (-$19k) Annual RV Storage (+$6k) Salaries & Benefits (+$8k); Special Events (+$5k) Annual Family w/Cart Rental (-$17k); Soft Goods Sales (-$24k); Tournament Fees (-$6k) Cost of Goods Sold (+$18k); Advertising (-$6k) Food Sales (-$146k); Banquet Sales (-$13k); Alcohol Sales (-$19k) Cost of Goods Sold (+$25k); Salaries & Benefits (-$45k); Propane Gas (-$7k) Food Sales (+$17k); Beer Sales (-$11k) Salaries & Benefits (-$20k); Discount Meals (-$5k); Supplies (-$8k) Key: Numbers represented as positive or (+$xxK) reflect a positive variance to budget Numbers represented as negative or (-$xxK) reflect a negative variance to budget

5

Association News

TEKControl – Visitor Management

by Charlie Maneval, Director of Finance, LOWA

Fourth of July is around the corner and the volume of guest activity here at the Lake continues to build. How can you ensure that your guests are able to gain access to the Lake with as few delays as possible? Think TEKControl!

The TEKControl application is available to all Members, registered family members and tenants at LOWA. It can be accessed from your computer or smartphone and, as a registered user, allows registration of guests faster than if you call Security.

Did you know that TEKControl can speed up your guest’s entry into the Lake AND help to limit their personal interaction (think social distancing) with Security staff? TEKControl features include: - sending a QR code pass to your guest’s smartphone that is scannable by front gate Security, reducing the amount of interaction needed.

- allowing you to enter a guest with long term or permanent status which requires Security to provide one visitor pass for the duration of the stay.

- allowing you to quickly add a group of your guests at one time for an event on a given date, expediting the distribution of QR codes and entry notifications.

Pro Tips:

And TEKControl will even notify you via email or text (or both) when your guest(s) arrive.

If you have not registered for TEKControl use, call Member Services at 540-972-2237 or email supportLOWA.org and we will help get you registered.

Remember to look for the TEKControl Pro Tips in Lake Currents for updates and reminders on how to make best use of TEKControl.

Although events are canceled, we still anticipate a high ˜‘Ž—Â?‡ ‘ˆ Â–Â”ÂƒĆĽÂ… ƒ– –Š‡ Â˜Â‹Â•Â‹Â–Â‘Â”ÇŻÂ• ‰ƒ–‡ „‡–™‡‡Â? —Ž› Í— nj͙Ǥ Be sure to enter all guests by Thursday, July 2.

Use the 102 Lakeview Parkway address for direct 1. GPS navigation to the main / visitor’s gate.

Make sure that your guests have your address ready 2. upon arrival at the gate. with barcodes should use the back gate, 3. Members especially during peak hours on July 4 (10 am - 9 pm).

Associate Sales Broker

703-969-0216

Lake Currents June 19, 2020

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LOW Honor Awards Committee Celebrates our Heroes Karen Kovarik, Publicity Chairman

Along with most other committees and clubs here at Lake of the Woods the regular work of the Honor Awards Committee was detoured by the COVID-19 virus. But the response of this community to the virus has been notable, and we would be remiss if we failed to honor those who stepped forward to meet the challenge. The Committee has decided to suspend the awards typically given in favor of one new all-encompassing one: Lake of the Woods Home-Town Heroes Award. “Hero� nominations are open to all, and we believe you all are in the best position to know the contributions your friends and neighbors have made to meet the growing needs of our stricken neighbors. “Hero� nominations are open and unlimited!

Nomination forms are available on LOWA.org/forms.

The deadline is Monday, August 3, 2020 and nominations should be mailed to Claudia Low, 116 Eagle Court, Locust Grove, VA 22508 or email to Claudia.low@comcast.net.

The award will be presented at the LOWA Annual Membership Meeting on September 7, 2020 at 10am.

Unplug appliances.

Do not use landline phones.

6

JoAnne Lambert

The Show Must Go On

Tuesday, July 14 2 PM, LOWA Regular Board Meeting, CC, via Zoom

June 19 - 25 Special Meeting of the BOD May 28 LOWA Regular Board Meeting June 24 LOW Church Real Virginia LOWLINC – Lee Frame LOWA Regular Board Meeting June 24

Investment: 6/22, 1 PM, via Zoom Treasurer Mtg. to follow Elections: 6/24, 10 AM, CC & Zoom ECC: 6/25, 8:30 AM, via Zoom Communications: 6/25, 3 PM, CC via Zoom Safety/Security: 7/1, 3 PM, CC via Zoom M&E: 7/2, 3 PM, CC via Zoom Fitness: 7/7, 3 PM, CC via Zoom ECC: 7/9, 8:30 AM, via Zoom

June 26 – July 2 7 AM 8 AM 11 AM 12:30 PM 1 PM 5 PM

2020 LOWA Board of Director Candidate Interviews LOWA Regular Board Meeting June 24 LOW Church Real Virginia 2020 LOWA Board of Director Candidate Interviews LOWA Regular Board Meeting June 24

NOTICE:

To view board meetings online log-in to LOWA.org and visit www.LOWA.org/Videos

It’ss anotherr beautifull dayy att thee Lake!

TV 18 Schedule Subject to Change

LOW MARKET STATS

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Lake Currents June 19, 2020

Committees have begun to meet again via Zoom. For schedule updates, check here and online at www.LOWA.org/Calendar. To access the Zoom meeting agendas, please visit www.LOWA.org/ CommitteeAgendas, member login required. For assistance with logging on to the website call 540972-2278. For assistance accessing Zoom meeting call 540-972-9680.

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.

AL TYPES ALL TY TYPE YPES OF YPE O HOME HO H HOM O OME IMPROV IM IMPROVEMENTS PROVEMEN PRO PROV EM MEN M ENTS S

Meeting Facility Key: CC Community Center CCCR Community Center Classroom CR Community Center Craft Room CH Clubhouse CHGH Clubhouse Great Hall CHPR Clubhouse Presidentâ&#x20AC;&#x2122;s Room EQ Equestrian Center FW Fareways Cafe FC Fitness Center HF Hollyfield Park Locust Grove Elementary LGES School (Rt. 20) LLCH Lower Level Clubhouse LOWC LOW Church MCR Maintenance Conference Room RR Holcomb Building Reading Room SB Sweetbriar Park ULH Upper Level Holcomb WC Woods Center

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

Association News

Wednesday, June 24 2 PM, LOWA Regular Board Meeting, CC, via Zoom

7

Saturday, June 20 Sunset Drive-in Movie (CC parking lot).

Info: Estonturner155@hotmail.com.

Calendar of Events *MOST EVENTS HAVE BEEN CANCELED UNTIL FURTHER NOTICE, AS WE BECOME AWARE OF THESE CANCELLATIONS WE WILL LIST THEM ON www.LOWA.org/Calendar For more information about specific group or activity cancellations, please call the contacts listed below.

Sunday, June 21 Happy Father’s Day Wednesday, June 24 2 PM LOWA Regular Board Meeting (CC) via Zoom. Info: 540-972-2214.

SPORTS & EXERCISE (subject to change) Event Aerobics

Friday, July 3 LOWA Offices Closed Sunset Drive-in Movie (CC parking lot).

Info: Estonturner155@hotmail.com.

Notice to Advertisers: The Communications Department/ Lake Currents will be available M-F, from 8:30 AM-5 PM, by email or telephone only. Email: LakeCurrents@LOWA.org. Phone: 540-972-2278.

Deadline for submissions to the July 17 issue of Lake Currents is July 6.

8

janicejohnston.c21redwood.com

4456 Germanna Highway Locust Grove, VA 22508

Dave 540-846-1613

Praise & Worship Dance

Sonja 540-972-1734

Senior Softball

John 540-229-7940

Square Dancers Club

Dick/Lynn 703-298-6254

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 Carol 540-972-6739

Yoga Gentle

$

Rebekah 908-358-8406

Yoga Chair

$

Rebekah 908-358-8406

Yoga Flow

$

Rebekah 908-358-8406

Yoga Rise & Flow

$

Bonnie 540-850-8585

Zumba, seniors

$

Elba 540-850-8577

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

Joe/Suzie Takacs 540-972-8799

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

Childhelp Auxiliary

Nancy 540-972-2599

Civic Club Meeting

Pat 540-735-7998

Civil War Study Group

Charles 540-972-2401

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

Investment Club

Questions about selling/buying your home? %CNN VQFC[ VQ ſPF QWV YJ[ [QWŏNN YCPV VQ hire me as your agent!

Janice Mae Johnston, ABR, MRP

Terry 540-412-2282

Pickleball Beginner Class

ACTIVITIES, CLUBS, BRIDGE & FUN (subject to change) Event Contact

Deadline for submissions to the July 3 issue of Lake Currents is June 22.

(434) 258-1617

Meditation Class

Water Fitness

George 540-840-2740

Knitting & Crocheting

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Lake Currents June 19 2020

Calendar

Saturday, July 4 LOWA Offices Closed LOW Trash Compactor Closed 10 AM Parade of Sail on Main Lake.

Info: Dan.Kilgore@comcast.net.

5 PM Flag Boat Parade on Main Lake.

Contact Church 540-972-9060

$

Sharon 540-848-5810

Knowledge Club

LOWKnowledgeClub@gmail.com

Litter Pick-up in LOW

Jan 540-972-1630

LOW Lioness Club

Ann 540-972-3326 Rani 540-972-7859

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

Open Mic Night

540-972-2216

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

New Buoys Define Wake Surfing Area

by Dan McFarland, Boating Safety Board of Examiners Two new buoys recently placed near Small Marina Cove mark the area of the Main Lake that will not be available for wake surfing.

The Board of Directors, at their Feb. 1 meeting, amended LOWA Regulation X, Use of the Lakes, to define where wake surfing, where a rider trails behind a motorized watercraft, riding its wake without being directly pulled with a tow line, will be restricted.

The new buoys, marked WRZ (Wake Restricted Zone), and numbered 17 and 28, define the line south of which wake surfing is not allowed.

The new regulation also restricts wake surfing within 300 feet of shore and specifies that wake surfing is allowed only behind boats propelled by inboard motors, but not outboards, or inboard/outboard drives.

The Board of Directors, at its June 10 meeting, approved the amendment to Bylaws Article X.8.e, Virtual Meetings.

What is the effect? Committees will be permitted to host meetings via an entirely virtual platform, if there are extenuating impractical, or unsafe circumstances, and the committees obtain authorization from the General Manager, who will coordinate committee support.

The approved amended section reads as follows:

Photo by Lisa Nash

Member Services has a new look as it continues through Phase 2 of the Governorâ&#x20AC;&#x2122;s mandated requirements. Newly built separation guards have been installed at the counter. Member Services is now open for walk-in business for up to two members at a time. Masks and social distancing are required at the Holcomb Building.

We anticipate the Governorâ&#x20AC;&#x2122;s Phase 3 plan may begin on June 26.

When that happens all LOWA Offices may be able to open for regular use.

If you have any questions, please call us at 540-972-2237, from 8:30 AM-5 PM, Mon-Fri; and 9 AM-1 PM, Saturdays.

Lake Currents June 19, 2020

8.e. Electronic Participation. In the event it is impracticable or unsafe to assemble in a single location, as determined by the Board or the General Manager if so authorized by the Board generally by resolution or on a caseby-case basis, committee and subcommittee members may, if authorized by the General Manager, meet in an entirely virtual platform, via telephonic, video conference, or other electronic means, subject to the availability of conferencing equipment or software by LOWA. If the meeting will be entirely virtual in such circumstances, the committee or subcommittee must give notice of the entirely virtual meeting to LOWA members, contemporaneously with notice provided to the committee or subcommittee members, using the best available method given the nature of the impracticable or unsafe circumstances; and the committee or subcommittee must make arrangements for LOWA members to have access to the meeting through telephonic, video conference, or other electronic means. All virtual meetings must be coordinated through the General Manager for time, date, and committee or subcommittee support. LOWA is not responsible for providing equipment to individual committee members, subcommittee members or LOWA members to facilitate their participation. Otherwise, when there are no such impracticable or unsafe circumstances, meetings of committees or subcommittees shall be held at a physical location, in which case committee or subcommittee members may participate via telephonic, video conference or other electronic means, subject to the availability of conferencing equipment or software by LOWA, provided however that at least two (2) committee or subcommittee (for subcommittee meetings) members must be physically present at the meeting place included in the noticed.

Association News

Board Approves Amending Bylaws Article X, Committees, Regarding Virtual Meetings

Buying or Selling, I Will Work For You. Let Me Be of Service.

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9

C. MEMBER RESPONSIBILITIES 1. Members who wish to lease their homes to Non-Members (Tenants) must complete a properly executed Tenant Form prior to Tenant occupancy and pay all Tenant Fees in advance.

2. Members will be responsible for the actions of their Tenants, including charges and summons for each occupant of the household as well as all guests the Tenant authorizes to have access to the community. (See Regulation I.G.) 3. 3. The Member’s account will be billed for all Tenant Fees and any other charges levied against the property, and the Member will be responsible for making payment, or assuring that such charges and fees are paid timely.

4. The Member will complete and submit the Tenant Check Out Form in a timely manner, but no more than thirty (30) days of when the Tenancy relationship terminates. Delays in submission may impact the total amount of Member refund.

D. TENANT RESPONSIBILITIES Tenants must sign the Tenant Form which will require acknowledgement of and consent to any LOWA Rules and Regulations.

E. ADMINISTRATION 1. LOWA will process Tenant Forms within five (5) days of receipt and will issue up to two (2) Tenant ID cards. The ID card authorizes admittance to LOWA and all amenities. All other authorized occupants must be issued other types of ID cards or guest passes.

2. The Tenant Form must be complete in all respects including the names and contact information and vehicle information for the Tenants and all authorized occupants who will reside in the home and their relationship to the Tenant. The Tenant Form will include the tenant’s acknowledgment of and consent to LOWA rules and regulations. In addition, LOWA will communicate any issues with respect to a Tenant-occupied home to the Member and the Tenant in a timely manner regarding violations of LOWA rules and regulations, charges, summons, etc.

3. If a Tenant Form is submitted by a Member’s agent, a copy of the agency agreement, or a signed statement by the Member and agent that the agent is authorized to act on behalf of the Member must accompany the Tenant form. LOWA will only communicate with a Member’s agent if a copy of the agency agreement or written statement is on file with LOWA. 4. LOWA will process the Tenant Check Out Form within seven (7) days of receipt and a refund of unused Tenant Fees will be issued. Tenant Fees for Annual tenancies terminating early will qualify for refunds based upon the number of months left in the fiscal year (May 1 through April 30). Such refund will comprise prorated amounts representing all full months remaining under the lease term up through April 30 beginning with the full month on which the date the Tenant Fee refund request is submitted in writing to the Finance Department.

5. LOWA reserves the right to request from the Member or Agent a copy of the lease agreement with the Tenant.

The Board of Directors, at is June 10 meeting, approved amendments to Regulation III, Registered Tenants Regarding Tenant Check Out Form and Tenant Fee Refund What is the effect? Members who choose to rent their property will need to pay the LOWA Tenant Fee upfront, in its entirety. Members may then submit the Tenant Check Out Form and request a refund of the unused portion within 30 days of when the tenancy relationship ends. To punctuate the urgency to turn in the form and make the refund request once the tenancy relationship is at its end, the amendments will limit the refund of the unused fee to no more than one full month prior to the date of the refund request, plus the remaining full months before May 1.

The proposed amendments to the regulations are highlighted in bold and reads as follows: III. REGISTERED TENANTS A. GENERAL 1. LOWA is a community comprised of single-family residence dwellings.

A Tenant is a Non-Member residing in a home in LOWA where the homeowner does not reside, regardless of whether any money or in-kind consideration is exchanged with the homeowner. The exception is the homeowner’s parents, children, brothers and sisters.

2. All Tenants (including Short-Term Tenants, who are deemed to be Tenants registered for thirty (30) days or less) must be registered

by Members. A Registered Tenant is anyone who (1) meets the Tenant requirements in Subsection A.1, (2) has a properly executed Tenant Information and Acknowledgement Form on file with LOWA documenting the Tenant/Member relationship, including a listing and contact information of all occupants of the property and acknowledgement and consent to LOWA’s rules and regulations, and (3) has Tenant Fees paid by the Member in advance of occupancy, and if applicable, annually thereafter. ShortTerm Tenants shall be registered through Member Services or entered into the Visitor Management System with LOWA Security.

3. Members with Tenants (including Short-Term Tenants) must pay LOWA the Tenant Fee for all their Tenants. The Tenant Fee is a fee charged to Members who make arrangements with Non-Members to allow them to occupy their homes, in accordance with Paragraph 12.D of their Section’s Declaration. (See Regulation III.B). The purpose of the Fee is to compensate LOWA for the management and use of amenities and for the wear and tear on LOWA streets, parks, recreational amenities, assets, and resources by Tenants residing in the community. The Tenant Fee will be charged to the Member for each tenancy. The amount of the Tenant Fee will be set by the Board of Directors annually and will run in LOWA’s fiscal year from May 1 to April 30 of the following year. For purposes of measuring the length of any tenancy, one day of Tenant occupancy in a calendar month will be deemed as Tenant occupancy for that entire month.

4. Registered Tenants will be authorized to use LOWA amenities upon payment of applicable fees set forth in the Board Adopted Fee Schedule for such use.

B. RENTAL LIMITATIONS SET BY DECLARATIONS OF RESTRICTION Lake of the Woods Declarations of Restrictions Section 4.B. states as follows: “Homeowners may rent up to two homes within Lake of the Woods to tenants who will comply with all Lake of the Woods Covenants and regulations. This provision applies to every lease application submitted to LOWA on or after March 8, 1998.” (Referendum August 1996).

Lake of the Woods Declarations of Restrictions Section 12.D, states in part as follows (except for Declarations for LOWA Sections 5, 9, 10, 12 and 18): “Additionally, the Association shall have the power to levy a tenant fee in an amount not to exceed the current annual charge upon the owners of lots occupied by other than the lot owners.” (Referendum August 2014)

F. LOWA will accept a Tenant Form to sublease a property for single family dwelling use only.

G. UNREGISTERED TENANTS Members who allow unregistered Tenants to occupy their homes will be issued a summons and must appear before the Legal and Compliance Committee for adjudication. If found guilty, the Member will be required to contact the Finance Department and register the Tenant in accordance with the requirements of this regulation and bring the account with LOWA to current status, including the payment of the summons and Tenant Fees in arrears.

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Association News Lake Currents June 19, 2020

Board Approves Amending Regulation III, Registered Tenants Regarding Tenant Check Out Form and Tenant Fee Refund

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Veterans Club Questions Answered

by Fred Pulis, Member, LOW Veterans Club

The Veterans Club provides a place for member comradery and promotes patriotism and citizenship. Veterans Club field trips are available to various locations on a voluntary basis.

Are there any dues?

Initial joining dues are $25 which includes a LOW Veterans Club cap, an individual nametag, and one year of membership. Subsequent annual dues are five dollars.

How do I join?

Any eligible veteran can download an application from the LOWVETS website, www.lowvetsontheweb/, and mail with initial dues to club treasurer Gilbert Churchill at 110 Cumberland Circle, or call him at 540-972-7452 or Club President Dan Greene at 540-972-0153 to receive a club application via email.

Who is eligible to join the LOW Veterans Club?

Membership is open to Lake of the Woods resident veterans who have served Honorably in any branch of the United States military, National Guard, or Merchant Marine, regardless of race, color, creed, gender, or ethnic background.

What would be expected of you?

Attend mostly once a month meeting on last Thursday of the month that includes guest speakers include entertaining and informative presentations on veteran-related topics. Voluntarily participate in LOW Veteran patriotic events, such as conducting the Memorial Day Ceremony, Independence Day parade participation, conducting Veterans Day Ceremony, and honoring all veterans at our Dec. 7 Christmas Party.

The Veterans Club performs a “Final Salute” tribute to deceased LOW veterans at their funeral services. Volunteers to perform the ceremony are constantly needed.

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Lake Currents June 19, 2020

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11

LOW Community

June 10 Board minutes from p. 3 4. REPORTS 4.1 Reports of Officers The President, Vice President, Secretary and Treasurer had no report A. Executive Session Actions: None.

B. Committee Liaison Reports: None.

C. Committee Changes Motion by Zukowski, passed unanimously, that the Board approve the Committee changes as presented in the Committee Change List dated June 10, 2020, and extend the Commission period in the Charter of the Ad Hoc Audit Committee until October 21, 2020.

(D-20-59) Name Action Committee Term-End Date Frank Rokosz Voting* Ad Hoc Audit October 21, 2020 Elizabeth Marcum Voting* Ad Hoc Audit October 21, 2020 Irving Grimes Voting* Ad Hoc Audit October 21, 2020 Kathleen Dorn Voting* Ad Hoc Audit October 21, 2020 Pam Schubert Voting* Ad Hoc Audit October 21, 2020 Pat Dawson Voting* Ad Hoc Audit October 21, 2020 _________ *Extended Term D. Referendum Update Secretary P. Brown reported that to date 2100 ballots have been cast in the Referendum, 682 paper ballots and the remainder electronic ballots.

4.2 Report from the General Manager A. Coronavirus Status: LOWA Amenities, Events, Meetings and Offices Virginia is now in COVID-19 Phase 2 for re-opening of businesses. The GM provided information on the status of all amenity operations and activities, highlighting changes made to slowly increase activity levels now permitted in Phase 2. As of June 5, both the Clubhouse and Fareways are open for inside seating at 50% capacity. The Golf Pro Shop will continue to do business out of the window. The pools will open this week for 1.5 hour sessions with limited capacity via reservation.

The Board agreed by consensus to continue to meet via the Zoom Teleconference platform at least until Phase 3 of business reopening starts. Vice President Zukowski will contact the Committees

by E-mail tomorrow to request they start making plans to schedule regular meetings again.

B. April Financials In April, we collected $15,669 in FY2019-20 lot assessments for a total of $6,806,413, or 97.9% of lot assessments billed. Our delinquency rate on April 30th was 2.1%, compared to a delinquency rate last year of 1.7% at the end of April 2019. As of May 31, 2020, we have collected approximately $4,922,000, or 68% of assessments billed for FY2020-21.

As of April 30, the Unaudited Income Statement Budget to Actual Comparison Summary showed an unfavorable variance of $157,450, which is not a final accounting. Some adjustments will be made prior to releasing the books for the annual audit.

C. Lakes Management Report Contractor Finish Line Environmental has agreed to address LOWA’s warranty claims to remediate post-construction conditions at the 14th Pond Retrofit and Forebay project location.

Flexamat material used to control erosion to the slope and channel entering the forebay failed and has been fixed. Dead plants will be replaced and grass that did not germinate will be re-seeded.

4.3 Committee Reports A. Lakes Committee Chair John Bell reported the Committee could use some new members, but has not met since February, hampering work in progress. A teleconference meeting in July might be possible. Since the last semi-annual report, lake patrol enforcement is showing benefits in lake safety, night boat speed on the lake was reduced, wake-surfing restrictions adopted and revisions made to the ski flag rules. There is concern that prohibiting boat oil changes at the marinas could result in oil changes being done over water at member docks.

5. UNFINISHED BUSINESS 5.1 Consideration of Adopting Proposed Amendments to Regulation III: Registered Tenants, Regarding Tenant Check-out Form and Tenant Fee Refund. (Resolution 2020-14) (D-20-60) Motion by Diercks, passed unanimously, that the Board adopt Resolution 2020-14, a Policy Resolution, amending Regulation III: Registered Tenants, regarding Tenant Check-out Form and Tenant fee refund, effective immediately.

5.2a Consideration of Adopting Proposed Amendments to Bylaws Article X: Committees, Regarding Formation and Responsibilities of Subcommittees and Virtual Meetings. (Resolution 2020-15) (D-20-61)

See June 10 Board Minutes on p. 16

Lake Currents June 19, 2020

aŅųå åųåĹĜƋƼ ¼ XƚƻƚųƼ ó Without Going Far D I SCOVE R E S TATE S O F CHANCE LLORSVI LLE Single Family Homes from the upper $400s ΠޱÏĜŅƚŸØ ƵŅŅÚåÚ åŸƋ±Ƌå ĘŅĵåŸ ƵĜƋĘ ĵ±Ƌƚųå Ĭ±ĹڟϱŞĜĹč ŅĹ Ɩť ±ÏųåŸ Î ƚųųŅƚĹÚåÚ ÆƼ ʱĹÏåĬĬŅųŸƴĜĬĬå ±ƋƋåųƼ {±ųĩ ±ĹÚ Ņƴåų ĉØLjLjLj ŞųŅƋåÏƋåÚ ±ÏųåŸ Î )±ŸƼ ±ÏÏ域 ƋŅ ĵ±ģŅų ÏŅĵĵƚƋåų ųŅƚƋåŸ ĬĜĩå FěĿĂ Î ĬŅŸå ƋŅ ŸĘŅŞŞĜĹč ±ĹÚ ÚĜĹĜĹč ĜĹ ÚŅƵĹƋŅƵĹ 8ųåÚåųĜÏĩŸÆƚųč

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Î )ƻƋų± ƚĜƋå ±ƴ±ĜĬ±ÆĬå üŅų ĵƚĬƋĜěčåĹåų±ƋĜŅűĬ ĬĜƴĜĹč

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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.

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 AM-12:30 PM, England Run Library, 806 Lyons Blvd, Fredericksburg. Info: Ginny Biggs, gbiggs@agingtogether.org.

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. For info, please call 540972-9060 or www.lowchurch.org.

Living Water Community Clinic in Locust Grove Town Center (32345 Constitution Hwy, Suite H) 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.

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Human Services

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 July 28 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: Christy, 540-412-2470.

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

Lake Currents June 19, 2020

Fundraisers 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 F&R Directory. Cost is $10 at LOWA Member Services, Holcomb Bldg. Sales benefit F&R. To advertise in the Directory, please contact Bob Schwab at schwabby1@comcast.net or 540972-3681.

LOW Lioness Book Sale.

Used books will be sold on the last Saturday of each month from 8:30 AM to 2 PM at the Ferris Building.

Proceeds go to the Benevolence Fund. Book donations are accepted at our book sales and on Mondays from 9:30 to 11 AM. No reference or textbooks please. Info: Ann, 540972-4338; Sherri, 540-412-9854; or Helene, 540-412-0798.

LOW Lions Medical Equipment Loan Program seeks donations of wheelchairs and rollators in working condition to share with neighbors in need. Donate at Velona Building (by compactor) any Saturday from 9 AM to noon. Call Lion Dave at 540972-2125 or Lion Deb at 919-4120351 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

Notices

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.

LOW Lions/Lioness Wilderness Food Pantry: Located behind Locust Grove Town Center, Route 20. Usually open the first and third Fridays from 9 AM-noon, the second Wednesday from 4-6 PM and the last Saturday from 9-11 AM. Please call: 888-5089274 to confirm schedule and to check for special opening dates and times. Mail contributions to Lions Wilderness Food Pantry, P.O. Box 605, Locust Grove, VA 22508. Info: Stan, 540-412-9854.

LOW Lions Medical Equipment: Durable medical equipment is available for temporary loan to those with needs. Equipment can generally be picked up and returned 9 AM to noon Saturdays at the Lions Building near the LOW trash compactor. Lions also gratefully receive donations of used equipment, in clean and good condition, that can be readily used by others. For immediate needs, please contact Lion Dave at 540-972-2125 or Lion Deb at 919-412-0351. If contacts are not immediately available, please leave message and we will return your call.

LOW Community

The Lake of the Woods Sailing Club has reluctantly canceled this summer’s Sailing Camp sessions starting June 22 and June 29. The social distancing guidelines in effect make it impossible to hold these camps this year. Registration fees have been returned.

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.

Saturdays from 8 to11 AM. 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.

For more information about specific group or activity cancellations, please reach out to the activity contacts listed.

13

LOWLINC – New Volunteer Opportunities

by Carolyn Rourke, Board Chair, LOWLINC

Lake Currents June 19, 2020

Lightning Safety Awareness Week June 21-27

LOW Volunteer Fire & Rescue Company Press Release Summertime typically means barbecues, festivals, sporting events, boating, and beaches; in the current environment this year will likely be different. One thing will remain constant: summer is the peak season for one of the nation’s deadliest weather phenomena -- lightning.

Yes, lightning typically receives less attention than other extreme weather phenomena, because it does not often result in mass destruction or mass casualties, but consider this: • About 25 million cloud-to-ground lightning strikes occur in the United States each year.

Source: National Weather Service The purpose of Lightning Safety Awareness Week is to educate and raise awareness about the hazards of lightning to lower the number of deaths and injuries caused by lightning strikes.

Viewpoints

• Lightning is an erratic and unpredictable thunderstorm characteristic.

• Most lightning victims are not struck during the worst of a thunderstorm, but before or after the greatest storm intensity.

• Lightning can strike as far as 25 miles from its parent thunderstorm, much farther out from the area of rainfall within the storm!

• WHEN THUNDER ROARS, GO INDOORS; if you can hear thunder, you are within striking distance. Seek safe shelter immediately and stay there until 30 minutes after the last clap of thunder.

• Do not wait for rain to start before deciding to seek shelter.

• Avoid going out on the water in extreme weather, and immediately get out of and away from bodies of water (e.g. pools, lakes) should extreme weather strike. Water does not attract lightning, but it is an excellent conductor of electricity.

Keep an eye to the sky for developing thunderstorms.

LOWLINC has resumed medical transports to members and we are once again processing applications for membership and volunteers. During the Covid-19 emergency, we stopped or curtailed these and a few other services.

Now, given the latest state and local reopening guidelines and positive responses to surveys of our members and volunteers, we are pleased to resume medical transportation services and are processing applications, with special procedures to ensure everyone’s safety.

Other services, for example our popular monthly social events, are still on hold as we await further easing of restrictions. In the meantime, we have two rewarding opportunities for volunteers: Join the Call Handler team. For one 2.5-hour shift per week, call handlers answer the LOWLINC phone and record members’ service requests on our computer scheduling system. We provide training; all you need is a warm heart and some computer ability. Call handlers say the best part of the job is getting to know members when they call for a service.

Join our team of Drivers. Drivers take LOWLINC members to appointments outside the lake; no more than 25 miles from LOW. They commit to provide rides twice a month, but many drivers like to do more, since they say the best part about driving is getting to know our members and sharing stories. Members respond to health questions before each service, and we provide drivers with our Safety Assurance Kit, a small package of sanitizer, disposable face coverings, and disposable gloves.

For more information on volunteering, please email lowlinc.volunteer@ gmail.com. For membership information, please visit our website lowlinc.org to fill out an application – or call 855-569-5462.

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We welcome all boats to join in our annual Flag Boat Parade on Saturday, July 4, with formation at 5 PM on the main lake. This spectacular Lake-Circle of Boats forms our decorated yearly Stars ‘n’ Stripes show, thanking all helpers for Lake Safety.

Wave for America: • Leaving docks precisely at 5 PM, carefully proceeding right • Showing our Stars ‘n’ Stripes • Spacing well between boats, at no wake speed • Circling slowly, safely, counterclockwise, tooting Happy 4th! for the viewers • Turning into coves slightly to include cove-wavers, while • Following all Regulation-10 rules, near safe shore • Creating a shore-view Flag Fest, while • Saluting all you fun watchers, who will be • Waving flags at lake edge and at Clubhouse Point • Playing patriotic music!

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June 10 Board Minutes from p. 12

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

A. Financial Status Director of Finance Charles Maneval provided the Board an update on the Association’s financial position, operations, capital spending, and steps taken to continue to conduct business during the COVID-19 pandemic. LOWA’s overall financial position is good. Income from the PPP loan has allowed rehiring of staff and eased overtime and expense restrictions. It is forecast there will be sufficient revenues through the 1st quarter ending July 31 and beyond. Any decision on how to handle the FY2019-20 year-end operating deficit is best deferred to late July when the results of financial performance in other areas can be more accurately assessed. Documents provided to the Board included the forecast of Operation Center Income for the 1st Quarter ending July 31,

2020, Replacement Capital Spending Plan as of May 31, Cash and Investment Balances on Hand as of May 31, and the Reserve Analysis and Forecast as of May 31. Adjustments will continue as the financial picture evolves. No action was taken at this time.

6.2 Consideration of Accepting the Slate of Candidates for the 2020 Board of Directors Election. (D-20-64) Motion by P. Brown that the Board accept the Slate of Candidates for the 2020 Board of Directors Election as follows: Carl D. Clawson, Carl J. Memmer, and Teri Vickery. Vote: Yea: Wilks, P. Brown, H. Brown, Zukowski, Diercks and Forrest. Nay: 0. Abstain: Clawson. Motion passed 6-0-1.

6.3 Discussion of Scope of Work for Capital Projects.

At the request of some Board members, the General Manager and Facilities Director Jessica Graves briefed the Board on the current process used to prepare a Scope of Work (SOW) document for projects in the Capital Budget. There is a preliminary SOW available during the Budget process when considering new Capital Projects using the NAIR form reviewed by the Planning Committee. An architect or engineer can provide a SOW with a “should cost” determination. Contractors are likely to charge LOWA (estimate $5,000-$10,000) to prepare an SOW when there is no promise of getting the job without actually competing for it and winning the actual bid during the project bid stage. The GM suggested that the Planning and M&E Committees work with management to provide good cost estimates for future capital projects before the Board makes budget decisions.

6.4 Consideration of Entering Lots for Maintenance. (D-20-65) Motion by Forrest, passed unanimously, that the Board approve entry to the lots in Case #20-0610-1, Case #20-0610-2, and Case #20-0610-5 on or after June 10, 2020 to perform maintenance as stipulated in the ECC Chair’s letters to the individual lot owners, and that the properties be billed for the cost related to such work in accordance with Paragraph 14 of the Restrictive Covenants.

6.5 Consideration of Sending to the Rules Committee and the LOWA Attorney Proposed Amendments to LOWA Regulation I.G: General, Regarding Sanctions for Persons Who Engage in Conduct that Causes Member, Tenant or Guests Public Inconvenience, Annoyance or Alarm. (D-20-66)

EMERGENCIES

Lake Currents June 19, 2020

LOW Community

Motion by Zukowski, passed unanimously, that the Board adopt Resolution 2020-15, a Policy Resolution, amending Bylaws Article X: Committees, regarding formation and responsibilities of subcommittees and virtual meetings, effective immediately.

5.2b Consideration of Authorizing the General Manager to Authorize Entirely Virtual Committee Meetings Because of the Coronavirus Pandemic.

(Resolution 2016-16) (D-20-62) Motion by Zukowski, passed unanimously, that the Board adopt Resolution 2016-16, an Administrative Resolution, authorizing the General Manager to authorize entirely virtual Committee meetings because of the Coronavirus pandemic, effective immediately.

5.3 Consideration of Approving the 2020 LOWA Employee Manual. (D-20-63) Motion by Zukowski, passed unanimously, to remove Item 5.3 from the table and take it up for consideration by the Board.

Motion by Zukowski, passed unanimously, that the Board approve the 2020 LOWA Employee Manual.

DON’T WAIT FOR PANDEMICS TO PASS. In this time of uncertainty, you can be assured your health is our priority.

16

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See June 10 Board Minutes on p. 17

Orange County Supervisor’s Letter

June 10 Board Minutes from p. 16 Motions by Diercks, passed unanimously, that language regarding sanctions being sent to the Rules Committee and LOWA Attorney include proposed wording as follows: “….subject to sanctions, including but not limited to citation, suspension of use, and any other legal remedy available to the Board and/or the Association under the Restrictive Covenants, Articles of Incorporation, Bylaws, Rules and Regulations, and applicable federal, Virginia and Orange County law.” (new language is bolded) Motion by Clawson, passed unanimously, that the Board approve sending to the Rules Committee and the LOWA Attorney proposed amendments to LOWA Regulation I.G.: General, regarding sanctions for persons who engage in conduct that causes member, tenant or guests public inconvenience, annoyance or alarm.

by Lee Frame, District 5 Supervisor

7. DIRECTOR COMMENTS: Directors commented on the Referendum, the candidate slate for the Director election and member voting via Zoom meetings.

8. SCHEDULED MEETINGS  Regular Board of Directors Meeting: Wednesday, June 24, 2020 in the Community Center. o Executive Session: 1:15 p.m. Open Session: 2:00 p.m.  Regular Board of Directors Meeting: Tuesday, July 14, 2020 in the Community Center. o Executive Session 1:15 p.m. Open Session: 2:00 p.m.

9. ADJOURNMENT Motion by Diercks, passed unanimously, to adjourn the meeting at 4:10 p. m.

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Call Today...540-672-0793 (Se habla español) Ύ /Ŷ ĂĚĚŝƟŽŶ͕ ŽƵƌ DĞĚŝĐĂƟŽŶ ƐƐŝƐƚĂŶĐĞ WƌŽŐƌĂŵ ;D WͿ ǁŽƌŬƐ ǁŝƚŚ ǀĂƌŝŽƵƐ ƉŚĂƌŵĂĐĞƵƟĐĂů ĐŽŵƉĂŶŝĞƐ ƚŽ ŽďƚĂŝŶ ďƌĂŶĚ ŶĂŵĞ ŵĞĚŝĐĂƟŽŶƐ͘ dŚŝƐ ƉƌŽŐƌĂŵ ŚĂƐ ŝŶĐŽŵĞ ĞůŝŐŝďŝůŝƚLJ ƋƵĂůŝĮĐĂƟŽŶƐ͕ ĂŶĚ ŝƐ ŶŽƚ ďĂƐĞĚ ŽŶ ƌĞƐŝĚĞŶĐĞ Žƌ &ƌĞĞ ůŝŶŝĐ ĐƌŝƚĞƌŝĂ ďƵƚ ǀĂƌŝĞƐ ďLJ ďƌĂŶĚ ŶĂŵĞ ƉŚĂƌŵĂĐĞƵƟĐĂů ĐŽŵƉĂŶŝĞƐ͘ zŽƵ ŵƵƐƚ ƌĞŐŝƐƚĞƌ ǁŝƚŚ Ă D W ĐĂƐĞͲǁŽƌŬĞƌ Ăƚ K & ĨŽƌ ƐĞƌǀŝĐĞƐ͕ ĂŶĚ ŚĂǀĞ Ă ĐƵƌƌĞŶƚ ƉƌĞƐĐƌŝƉƟŽŶ ĨƌŽŵ Ă ƉŚLJƐŝĐŝĂŶ ǁŚŽ ĐŽŽƌĚŝŶĂƚĞƐ ǁŝƚŚ ƚŚĞ D W ĐĂƐĞǁŽƌŬĞƌƐ͘ KƚŚĞƌ ƋƵĂůŝĮĐĂƟŽŶƐ ŵĂLJ ĂƉƉůLJ͘

visit us at : www.orangecountyfreeclinic.org

540-672-0793

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Penny & Charlie Ostlund Penny: 540.903.9732 Charlie: 540.903.7796 pennyohomes.com postlund@cbeva.com

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.

KīĞƌŝŶŐ DĂŶĂŐĞŵĞŶƚ ^ĞƌǀŝĐĞƐ ƐŝŶĐĞ ϮϬϭϲ͘

tĞ ƚĂŬĞ ĐĂƌĞ ŽĨ ƚŚĞ ŚĂƌĚ ƐƚƵī͘ zŽƵ ĞŶũŽLJ ƚŚĞ ďĞŶĞĮƚƐ͊ Paid Advertisements

“Exceptional Service with a Personal Touch”

Lake Currents June 19, 2020

OCFC wants to keep you well and healthy, especially in this uncertain time, and we understand the importance of having a medical provider for on-going healthcare needs.

One way to do this is to have a healthcare provider that you can trust and depend on without the worry of affordability...

Quality and accessible healthcare is free to qualifying patients at the Orange County Free Clinic .

Orange County

We recently received the fiscal year 2019 social services profile report for Orange County. This report provides a demographic cross-section of county citizens needing some form of public assistance and, in turn, the workload for the county department of social services. The information is interesting, and the included state information gives a picture of how our county compares. The poverty rate for Orange County people of all ages is 9.0%, and for children under 18 years of age it is 13.0%. For the state of Virginia, the comparable respective rates are 10.7% and 13.8%. For northern Virginia, which for the state’s social services regions includes Orange County, the rates are 6.9% and 8.4%. With the wide disparity in these numbers, I went to the state social service website and to see how some other counties were profiled, and found some counties with poverty rates of 25% for all people and as high as 39% for children. Although Orange County poverty is down from the peak in 2011, the rate has been steady for the last few years.

Non-marital and teen births are another indication of the demand for social services. 41% of births in the county are non-marital and 8.8% are to teenagers.

This compares to 34% and 7.3% in the state. The long-term trend for non-marital is slightly up, but for teens it is dramatically down. These numbers indicate that 32% of children are living in single-parent households. Another service provided by the Social Service Department is investigating referrals for adult and child protection. 253 adults and 655 children were referred in the last year.

There are three major programs aiding citizens in need: Supplementary Nutrition Assistance Program (Food Stamps), Temporary Assistance to Needy Families and Medicaid. Another program provides childcare assistance to recipients who are working or pursuing training to leave these programs. Overall, 7,494 people in the county are receiving one or more of these support programs.

The trend over the last eight years has seen a drop in people utilizing food stamps or temporary assistance. The utilization of Medicaid has been increasing.

The largest age group receiving benefits is children and the smallest is over 65 years old. All these programs cost over $59 million, with $2.3 million coming from the county budget. The rest of the funds are from the state and federal governments and are a significant injection to the county economy.

Orange County just received its latest bond rating from Moody’s Investor Service. We continue to hold a rating of Aa2, which should maintain a strong credit rating for any borrowing the county needs to conduct. Moody’s comments about the county include: “We regard the coronavirus outbreak as a social risk under our environmental, social and governance framework, given the substantial implications for public health and safety and the economy. We do not see any material immediate credit risks for Orange County.”

“The credit position for Orange County is very strong, and its Aa2 rating is equal to the median rating of Aa2 for counties nationwide. The notable credit factors include a healthy financial position, a small tax base with a strong wealth and income profile, and manageable debt and pension liabilities”.

“The financial position of the county is healthy and is in line with the assigned rating of Aa2”.

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.

ϱϰϬͲϯϱϵͲϭϱϲϯ tĞ ƉƌŽǀŝĚĞ Ăůů ƐĞƌǀŝĐĞƐ͘ zŽƵ ĚĞƐĞƌǀĞ Ă ƚĞĂŵ ƚŚĂƚ ĐĂƌĞƐ ĂďŽƵƚ LJŽƵƌ ŚŽŵĞ as much as you do!

17

Lots for Sale 3 LOTS For SALE in Section 7. Lot # 24, 25 and 27, near small marina/ back gate. $120,000 for all three.

Purchase before Labor Day, 35k per lot. Contact Larry at 202-302-6216 or 540-972-0922, for more details.

Classifieds

Lake Currents June 19, 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? As a GAF & Owens Corning Certified Roofer we offer a Non-prorated 50 Year Transferable Warranty / 10 Year Labor Fully Transferable Warranty Greatly Increasing the Value & Sell-ability of your Home. We will beat any roof replacement bid from equally licensed 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.

1 LESS WORRY, Let Me Stain and Seal Your Deck or Dock, So You Can Relax For Years To Come.

Call Long-Time Resident, Erich 540972-2664.

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.

30+ YEARS RESIDENT. Animal Care and House Cleaning. Call Linda 540-220-2138.

A&T ENTERPRISES - Most repairs and upgrades. New toilets and water heaters. Deck repairs, power washing. Full bath remodel.

No job too small. In LOW since 2012. References: Terry 412-7604593.

A/C & HEATING Installation/ Repair - Ask Luke Zello, 540-4063589.

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

540-845-1047. 35 years at LOW.

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

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

ALTERATIONS/REPAIRS

by Laura. Heavy sewing, snaps, zippers, buckles, clear vinyl window replacement. Other hardware needs. Specializing in boat covers, golf cart enclosure repairs and alterations. Pet gear, toys and bed cover repairs and alterations.

Custom fitting and alterations to pet outfits that don’t quite fit.

Repairs to favorite pet toys and/ or make 2 damaged toys into one.

Customer’s ideas and questions always welcome. Please call Laura Broderick 540-972-3137, at Lake of The Woods.

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.

BARBARA’S CLEANING. Regular, Move-in or out, or Onetime Cleanings are welcome. Baths & Kitchens a specialty. 540-6728069.

BASEMENT BUILDOUT, Call Mark 540-845-1816.

BATHROOM/KITCHEN Remodel, Call Mark 540-845-1816.

BRICK/STONE Masonry Patios, walkways, porches, retaining walls. Ask Luke Zello, 540-4063589.

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 Aid. Can manage all the patients needs. No worries when you need short term or long term care. LOW resident.

Diane, 540-388-2930.

CARPENTRY, FRAMING or Custom Build-ins. Call Mark 540845-1816.

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

CLEANING - PROFESSIONAL Service. Excellent References.

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

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.

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

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

CONTRACTOR - HIRE a Professional without all the material and subcontractor mark-ups. Credit cards accepted 3% fee. Call Mark 540-845-1816.

CRAWLSPACE WATER Issues?

Ask Luke Zello, 540-406-3589.

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

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

540-229-9999.

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

DECK STAINING/Painting/ Sealing. Call Mark 540-845-1816.

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

Resident since 1967. 540-220-2764.

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

DRYWALL - NEW Drywall or Repair Work. Call Mark 540-8451816.

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

ELECTRICAL ISSUES, Call Mark 540-845-1816.

EXTREME CONSTRUCTION - All types of Home Improvements. Decks, Carpentry, Roofing, Siding, Windows, Gutters, Kitchen & Bath Remodeling, Renovations, Power washing, Clean-outs, and more. Licensed and Insured. 703-927-0632.

FASCIA/SOFFIT Rot, Call Mark 540-845-1816.

FLOORING - HARDWOOD/Tile/ Laminates. Call Mark 540-845-1816.

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

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

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 - 33 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.

HOME REPAIRS, Call Mark 540845-1816.

INSULATION - GARAGE/ Basements/Attic/Crawl Space. Call Mark 540-845-1816.

JOE’S TRENCHING & Stump Grinding. Call for great rates, 804424-0025. Licensed & Insured.

Visit us at JoesTrenching.com or Facebook: https://www.facebook. com/stumpandtrench/.

JORDANS LAWN & Landscaping - Yard Clean-up Specials! Any of your lawn, landscape and tree needs. Leaf Removal, Gutter Cleaning, Pressure Washing. Call 540-229-2678.

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.

LANDSCAPING MULCH, double-shredded hardwood.

Delivered on dump truck, 17 cu.yds. or 10 cu.yd. size loads. 540-8251472.

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

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

Ask Luke Zello, 540-406-3589.

LEAF REMOVAL/Yard Clean-up.

Call Mark 540-845-1816.

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

M.A.N.’s DRYWALL & REMODELING, LLC. Drywall and remodeling company. When you see the name Mark throughout these ads it is tied to my company.

All work guaranteed for at least 1-year. Insured for your peace of mind. Don’t fall for contractors that mark-up materials and subcontractors. I am personally on every job working beside my guys.

Show me a proposal by a licensed and insured contractor and I will beat their estimate. L.O.W. resident for 11 years. Free estimates. Credit cards accepted with 3% fee. Call Mark 540-845-1816.

SMALL HAUL. For that haul that nobody wants to pick up. 540-7357977.

SNAPPER JACK Yard Care, LLP - Complete yard care, mulch, powerwashing, grass trimming and pruning. LOW homeowner. 540907-5800 or snapperjackyardcare@ gmail.com. Fully insured and Free estimates. Veterans 10% off.

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.

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. y 540-845-1047. 35 years at LOW.

LOWA Employment FAREWAYS CAFÉ - All openings are for Part-Time employment: Bartender: Mix and serve beverages at the Sports Bar and Grill.

Applicants must be at least 21 years old, willing to work flexible hours, weekends, and holidays. Job requires superb customer service skills. Onetwo years’ experience required.

Line Cook: Needed 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.

Servers: Needed to assist with Café operations. Candidates must be 18 years or older and able to work flexible hours including weekends. Some restaurant experience preferred. Good communication skills and team spirit important.

PRO SHOP/GOLF OPERATIONS – Full-Time Salaried Position, Golf Professional/Pro Shop Manager. The ideal candidate reports to the AGM and will oversee golf operations by managing the daily operations and assist promoting LOWA’s golf amenity through marketing endeavors. The Pro/ Manager will ensure efficient operation and coordination of the pro shop, cart service and all other Golf Operations services. The primary focus of this position is to provide guest satisfaction, train and supervise golf staff, merchandising, golf instruction, and implementation and coordination of all golf programs. Fiscal responsibilities include managing operations by meeting revenue targets and controlling expenditures. Attendance at Golf Committee meetings required along with interaction with other Managers and especially community members. Successful candidate must have minimum 5-years management experience in golf and/or hospitality industry, must possess proficiency with computer software including Microsoft Office suite, point of sale systems, handicap software and golf tournament management systems. Must possess PGA Level A1 certification or higher or able to become certified within first year of employment. Associates or college degree preferred. Position requires evening and weekend hours. Must be able to work in a standing position for long periods and to work outdoor events in the heat or cold. Budget experience necessary.

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

LASER PICO Sailboat with Trailer is in good condition. $900. 703-3468860, Jean.poole4@gmail.com.

REGISTERED MINI Aussie Pups for sale. Male and female. 540-6728069.

Employment CAREGIVERS WANTED for all shifts, excellent wages. Call 540727-0024, M-F, 9 AM-5 PM. HELP WANTED: 2 laborers to work summer starting May 1st. Call Almer at 807-467-1915 or Lisa at 402-421-9222.

Misc.

MAINTENANCE – Full-Time position, Groundskeeper. The qualified applicant will be responsible for performing general landscaping maintenance tasks for routine and special events. Must have experience in the operation of grounds care equipment. Position requires heavy lifting and working in all weather conditions. Applications received before June 15 will receive priority consideration

NURSE AIDE COURSE. $1195 includes tuition, books, PPD, background check, drug screening, CPR, uniform, B/P cuff. Next Start Date: Sept. 19, 2020. Info: 703-4022509.

Classifieds

MAINTENANCE – Full Time Grounds Foreman (Salaried). Oversees maintenance of 200 acres of common areas including trash removal, beach care, building entrances and walkways, turf and plant management, park equipment, site furnishings, tree care/removal, dam maintenance, weed control and leaf removal programs. Min. HS diploma + 10 years exp in grounds maintenance industry. Operational knowledge of equipment including backhoe, trencher, tractor, commercial mowers, etc. VA Chemical applications license with category attachments of 3A-ornamental control, 3B-turf pest control, 5A aquatic pest control-general and 6-right of way pest control. Comprehensive knowledge of turf management, safety procedures, soils and amendments, insect/disease control, plant nutrition, pruning methods, grounds care chemicals and standard industry practices. Botany, landscape architecture and irrigation engineering experience. Management experience required.

Lake Currents June 19, 2020

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.

Paid Advertisement

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

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

MULCH DELIVERY - Doubleshredded hardwood. Call Brian, 540-219-7660 or 540-672-0355.

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

NOTARY SERVICES – LOW. On-site, will travel. Sherri Lahay Lasover, 540-412-9854 or 202-2888564.

PAINTING - INTERIOR and Exterior. Never sprayed, always rolled to give you better coverage and a better finish. Call Mark 540845-1816.

PAINTING & DECORATING - Interior/Exterior, Residential/ Commercial, Dry Wall Repairs, Power Washing, Free Estimates.

Albert L. White, 540-399-1777.

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.

POWER WASHING- Go from green to clean. Call 540-642-2349 for estimates or email: jnave@ comcast.net. Licensed/Insured. 10% Discount for seniors and military.

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

REMODEL - YOU have an idea?

We’ll make it a reality. Kitchens, Bathrooms, and Basements. Call Mark 540-845-1816.

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 LEAKING - Give us a call for a free estimate. Leaky roof or new, we’ve got you covered. Call Mark 540-845-1816.

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.

Deadline for submissions to the July 3 issue of Lake Currents is June 22.

Deadline for submissions to the July 17 issue of Lake Currents is July 6.

19

GUIDING YOU HOME

LOW Community

for the last 40 years

meet jean westholt

Brand new ways to capture a timeless look.

Lake Currents June 19, 2020

Nothing creates a sense of comfort and welcome like the warmth and charm of a hand-scraped

Jean is originally from the state of New York, and had the privilege of living aboard a boat for 9 years. She is married and has three sons.

ƪ Ǥ ǡ ̺ ơ hand-scraped hardwood styles. Unforgettable

Jean has been a licensed real estate agent for 36 years and has served in that capacity in three states, including Florida, Missouri, and of course Virginia. Her expertise includes helping clients find and purchase residential property in a vast variety of styles and price ranges.

ǡ ƪ Ǥ

540-972-2600 jkcarpets.com

She enjoys sailing, pickleball, painting, gardening, and is very active in the community serving as Lake of the Woods Neighborhood Watch Captain and serving on the Legal and Compliance Committee.

4062 Germanna Hwy in Locust Grove 1/4 mile west of Lake of the Woods on Route 3

You can reach Jean Westholt at jwestholt@cbeva.com or 540-809-8370 for all of your real estate needs.

20

Serving Lake of the Woods for over 30 years.

Class A contractor – Bonded / Insured

Paid Advertisements

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

Contact us about in home consultation.

LAKEOFTHEWOODSCONNECT.COM

4207a Germanna Hwy Locust Grove, VA 22508

540.972.9040