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Priceless. Please take one! HOLIDAY | December 2015 & January 2016

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Publisher & Creative Director Ali Schratt

Project Coordinator Juliet Dunham

Graphic Designer Cathryn Hahn

Distribution Coordinator Adam Schratt

Contributing Writers

Juliet Dunham, Cathryn Hahn, and Ali Schratt


On the Cover

Photo by Jessica DeLorenzo of DeLorenzo Photography

contents 6. Letter from the Publisher 8. GO! 10. Give: Awakening the Force of Generosity 12. Artist: MudWorks Pottery 14. Good Tidings of Comfort and Joy 16. Holiday Traditions

22-38. Holiday Gift Guide 40. Out & About: St. Luke’s Beam Signing 42. Out & About: Lizzie’s Circle Black & Orange Ball 46. WS&M’s Finance Column

For a subscription send check or money order for $24.95 to the address below. (6 issues/1 year) Local Flair is published bi-monthly and distributed throughout the greater Pocono area. Local Flair reserves the right to refuse to sell space for any advertisement the staff deems inappropriate for the publication. Unsolicited manuscripts must be accompanied by a self-addressed stamped envelope. Letters to the Editor are welcome, but may be edited due to size limitations. Press releases must be received by the 15th of the prior month of publication. All contents of this magazine including without limitation to the design, advertisements, art, photos, and editorial content, as well as the selection coordination and arrangement thereof is the Copyright of Local Flair Magazine Limited. No portion of this magazine may be copied or reprinted without the express written consent of the publisher.


The mission of Local Flair magazine is to celebrate excellence in community businesses, services, and efforts by appealing to the tastes, sensibilities, and curiosities of its readers and advertisers alike. To this end, Local Flair strives to balance informative and inspirational editorial content with relevant and enlightening advertisement. –Ali Schratt, publisher

Contact Us

Local Flair Magazine 609 Main Street | Stroudsburg, PA 18360 Phone 570.424.9600 | Fax 570.424.9601


Local Flair

eat fresh all

W inter long !

Saturdays 9am-1pm

At SOHO in the Burg 600 Main Street, Stroudsburg Open November thru March (Closed December 26th) Fresh, Local Produce • Pastured Meats • Raw Milk Mushrooms • Local Honey • Fresh Baked Goods Hot Soup • Jams & Jellies • Local Wines • and More!

Tis the Season for Comfort & Joy

Shop from beautifully appointed furniture, gifts, jewelry, home accents, antiques, gourmet foods, and more... then stay for lunch or dessert!

2404 Route 611 • Scotrun, PA 570.730.4567 • Local Flair



letter from the


Traditional New York style steakhouse featuring prime aged steaks, terrific seafood & outstanding service. We offer on or off-premises catering for all your special occasions and events.


Liquid Dessert Menu

featuring indulgent drinks such as Key Lime Pie Martini, Godiva Turtletini, and Bananas Foster!

Join us for a “Taste of Italy” Every Thursday Night enjoy 3 courses for $20.95

Women & Wine - Dec. 9th & Jan. 13th

Men’s Night - Jan. 27th

Open Sunday thru Thursday 4-9:30 p.m. Friday & Saturday 4-10:30 p.m. • Closed on Mondays Join our mailing list to receive specials and promotions right in your email!

244 Lake Harmony Road Lake Harmony, PA 18624

570.722.3990 For Reservations


Local Flair

I started Local Flair 10 years ago because I felt there was a need in the community for a publication that brought together the best and most unique of what our area has to offer. In those 10 years, I have seen many businesses open and some close. I have talked with the most passionate shop owners, chefs, and artists. I’ve raised money with, schemed new ideas with, and laughed (and even cried) with some of the coolest people around. As I look back on this decade, what has sustained me- and each of these business owners- is our relationships. We cultivate these relationships that keep us moving forward year round, sometimes with a power lunch, always a wave across Main Street, and usually by popping in to say hello. During the holiday season, these are the people I turn to when I need help navigating my holiday gift list. I already know which guy is getting the gift card to Yard of Ale, and which friend is getting the Kasha Throw Kit from Mountain Knits and Pearls. The teachers are getting Candy Cane scented soy candles from Ellen Kerz and the new baby across the street is getting the Buddha Bank from Liztech. I hope when you start tackling your list, you choose to shop locally and support your neighbors who care for the same community you do. The 3/50 project, which promotes spending within the local economy, states that “for every $100 spent at locally owned, independent stores, $68 returns to the economy through taxes, payroll, and other expenditures. If you spend that in a national chain, only $43 stays here.” Small Business Saturday is November 28th this year. Downtown Stroudsburg, and many other businesses throughout the Pocono Mountains, have amazing offers to save you money and help you avoid the crowd at the mall. Make your dollars count within your community by shopping local this year, I know mine will! Happy Holidays and keep it local!


Frogtown Restaurants Thanksgiving Day • 1-7pm Limited menu (reservations recommended)


Frogtown Inn 6 Acres

Restaurant Route 390 North Canadensis, PA 18325 p: 570.595.6282 f: 570.595.9599

Christmas Eve • 4-8pm Limited menu (reservations recommended)

Closed Christmas Day New Years Eve • 5-10pm

$75 (+tax & gratuity) 4 course menu with complimentary glass of champagne. Fireworks at midnight. Reservations required.

472 Upper Swiftwater Road Swiftwater, PA 18370 p: 570.895.4460 f: 570.243.8199

Extraordinary Gifts

1888 Route 940 in Pocono Pines • 570.643.9075 Near Intersection with Route 423

The 14 Kt Outlet’s

Fine Jewelry Designs


DESIGNS she’ll adore.

570.421.5081 • 611 Main St., Stroudsburg, Pa Professional Repair Highest prices paid for your old gold & silver!

Local and All Natural Grilled Hot Dogs on Hot Buttered Buns, Soups, and Sides

1232 W. Main Street • Stroudsburg • 570.517.7126

Local Flair




Monroe Winter Farmers Market

November 7th – March 26th, Saturdays 9AM-1PM At SOHO in the Burg, 600 Main Street, Stroudsburg The former Newberry Building will house over a dozen farms and vendors each week. Buy raw milk, salsas and spreads, fresh breads, produce and so much more! Visit monroefarmersmarket. com for more information.

A Winnie the Pooh Christmas Tail

November 20-December 19 Performances Fridays & Saturdays 10AM Daily The Shawnee Playhouse Join the Shawnee Playhouse in the Hundred Acre Woods for a musical celebration of seasonal sharing and caring, in which Pooh, Piglet, and all their friends help Eeyore have a Very Merry Christmas! Based on the stories by A.A. Milne. Tickets are $10. Visit for more information and a list of other shows.

Holiday Arts Store and Art Sale

Magical Fireside Christmas

December 5 & 6 and 12 &13 starting at 10AM Experience the Jim Thorpe Olde Time Christmas celebration the first two weekends of December. Enjoy train rides with Santa, Asa Packer Mansion tours, live nativity, ghost walks, gingerbread house contest, strolling carolers, expanded shopping hours, and seasonal dinner specials. Each Friday and Saturday, enjoy ticketed live entertainment at the Mauch Chunk Opera House. Visit for more information

November 27 - December 18 Fridays 4PM-9PM, Saturdays 11AM-9PM, Sundays 11AM-5PM December 19-26 Open Daily 11AM-8PM The Inn at Pocono Manor Feel the magic of Christmas and awake your senses with the sweet smell of roasting marshmallows and the warmth of the fire. Come see the spectacular display of lights adorning the grounds. Enjoy horse drawn carriage rides, story telling, cookie decorating, bonfire with S’mores and so much more! Tickets are $8. Visit

Holiday Tree Lighting in Courthouse Square

November 27, 6PM Downtown Stroudsburg Come downtown and celebrate the annual lighting of the town Christmas tree. Sip hot cocoa as carolers deliver holiday spirit! For more information visit

Candy Cane Making Demonstrations

November 28 & 29, December 5&6, 12&13, 19&20 Callie’s Pretzel Factory Come see how candy canes are made at Callie’s Pretzel Factory in Mountainhome, PA. Visit their sister location, Callie’s Candy Kitchen and sample delicious chocolate and candies. You will find all the sweets you need for the holidays at Callie’s. Admission is free. Visit or phone 570.595.2280 for more information.

Small Business Saturday

November 28, 10AM-10PM Downtown Stroudsburg Avoid the mall and enjoy big savings from Stroudsburg shops, eateries, spas and galleries during the annual SHOP SMALL event created by American Express. Businesses are offering up to 20% off their unique items and services. For a full list of offers visit


Local Flair

Hosted by Pocono Arts Council Artspace Gallery, N. 6th Street in Stroudsburg, PA Opens Black Friday, November 27th, and runs through December 24th. Shop from local artists and craftsmen offering a wide range of unique goods. Call 570-476-4460 for hours or more information, or visit

Jim Thorpe’s Olde Time Christmas

Candlelight Christmas Dinner

December 4-6 Recurring Daily from 6PM-9:30PM The Settler’s Inn A farm-to-table feast paired with holiday music. The Bradley Bunch will play on Friday and Saturday and the Wallenpaupack Area High School Choir will perform on Sunday. The cost is $75 per person. To view the menu, visit

A Christmas Carol Dramatic Reading

December 6, Performances at 12PM & 3PM Grey Towers National Historic Site Performed by Joe Plummer Jr., founder and director of ‘Gotta Kid To Feed Productions,’ a digital media company, and Therese Plummer, an actor and award winning voice over artist living and working in New York City. Dramatic readings were a popular form of entertainment in the late 1800s through mid-twentieth century, when Grey Towers was occupied by the Pinchot family. The US Forest Service and Grey Towers Heritage Association recreate these literary programs with readings and dramatizations. Tickets are $20 each. Visit

Hawley Winterfest

December 11-13 Hawley, PA Venture to the lovely small town of Hawley, nestled in the lake region of the Pocono Mountains and you will find a jolly dose of activities to delight waiting for you at every turn. Delicious holiday fare, the sounds of the season filling the air, a children’t show at the community theatre, artists and authors mingling with residents and visitors alike, ice carving, gingerbread decorating, horse-drawn carriage rides, homes boasting decked halls on the holiday house tours, and more make for a Winter Weekend Wonderland. For a complete list of the weekend’s events and pricing, go to

PO Box 297 | Mountain Springs Drive | Reeders, PA 18352 Phone 570.629.1120 | Photo by DeLorenzo Photography


Awakening the

FORCE of generosity

“Star Wars: The Force Awakens” is going to be one of the largest films of all time and Better Homes and Gardens, Wilkins Associates has reserved one entire theater at Cinemark Stroud Mall the day before the intended release to the general public. The private screening of this movie will be on December 17, 2015 at 7 PM. Wilkins & Associates is selling 100 tickets for a $25 donation, which will go to Holiday Toys for Youth, and each ticket includes the 3D movie ticket, popcorn and a drink. Holiday Toys for Youth was started in 2001 and is run by Sheriff Todd Martin and the Monroe County Sheriff ’s Department. Originally designed to help Monroe County Children and Youth Services, Sheriff Martin realized there was a much larger need in our area, so they expanded and renamed the program, “Annual Holiday Toys for Youth.” Officer Darlene Lee explained the grass roots drive relies on monetary and toy donations to bring extra items to families in need, “sometimes a family will come in who needs clothing, we take their sizes and information and we head out like Santa’s shoppers to try and outfit the family with their basic needs and a few nice things.” Some businesses and individuals give cash donations, which help the department buy clothing and other items and some businesses place the Annual Holiday Toys for Youth boxes at their establishments. Businesses like Besecker’s Diner, LaBar Village and McGraw Chiropractic are big supporters of the mission, “we have to pick up 2-3 carloads of toys from McGraw a week,” Lee explained. Most other area toy and clothing drives stop giving around December 20th, but the Annual Toys for Youth program gives right up until Christmas. “We don’t turn anyone away,” said Lee, “we feel it takes a lot for a person to walk in and ask for help, so we try to do everything we can to make the holiday special for the families.” You can help Wilkins & Associates and the Annual Toys for Youth Mission make the holiday season merry for families in need and have a lot of fun doing it. See you at the theater!

For mo r e in f o r m a t io n t ic k e t s , an phone 5 7 0 .9 7 7 .8 d t o p u r c h a s e c w il k in s 677 or @ w il k in e m a il s 1 .c o m For mo r e in f o rma for You t h P r o g t io n o n t h e A ra nnual T S h e r if f oys ’s D e p a r m c a ll t h e M o tment nroe Co a t 5 7 0 .5 unty 1 7 .3 3 1 2


Local Flair


May the Force by With You

EXPECT BETTER Your home is not just another house; it’s a reflection of you. It’s your style, your personality, your taste. Your home is the place where our fondest memories are made and where your dreams can come true. That’s why Better Homes and Gardens Real Estate Wilkins & Associates is dedicated to helping you find that ideal home. Whether it’s an upscale townhome, mountain get-away, true Pocono “Cottage” or that luxury home from our Distinctive Collection, let us help you find that one that will inspire and comfort you for years to come. You can count on us to guide you every step of the way using our Independent Family of Home Buying Services. Buying or selling we promise to be there, before, during and long after the sale.


Stroudsburg (570) 421-8950 Bushkill (570) 588-3440 Mount Pocono (570) 839-4174 Milford (570) 296-6946 Website:

Expect BetterSM.

©2015 Better Homes and Gardens Real Estate LLC. Better Homes and Gardens® is a registered trademark of Meredith Corporation licensed to Better Homes and Gardens Real Estate LLC. Equal Opportunity Company. Equal Housing Opportunity. Each Better Homes and Gardens® Real Estate Franchise is Independently Owned and Operated. If your property is currently listed with a real estate broker, please disregard. It is not our intention to solicit the offerings of other real estate brokers


By Cathryn Hahn Upon first glance into the studio at MudWorks Pottery in Effort, Pennsylvania, one might think they’ve entered Santa’s Workshop. There, a team of employees (or minions as they’re lovingly called) is constantly molding, firing, glazing, painting, and preparing pottery for shipment worldwide. Racks lined with clay-red pieces, at various stages of completion, exhibit not only great craftsmanship, but also unique designs and artistry. At the helm of MudWorks Pottery is JoAnn Stratakos, whose vision and creativity has driven MudWorks’ steadily increasing business for 20 years. JoAnn found her niche in the pottery realm after a few life-changing events inspired her to check some items off her “bucket list,” one being pottery making. A few classes, a new zip code, and many years later, MudWorks Pottery can now be found in homes all over the world. It’s a family affair. JoAnn’s daughter, Leigh Ann, is always a few mouse-clicks away. She handles the business’ online presence while John, JoAnn’s son, stays busy making sure the studio is running smoothly. While MudWorks’ studio lies behind closed doors, the gift shop at MudWorks is open year-round and stocked with beautiful handmade pieces of all kinds. Mugs are a popular purchase. Pie plates, serving dishes, butter dishes, spoon rests, and a number of specialty pieces line the shelves decorated with JoAnn’s signature designs. All MudWorks pieces are fun, functional, and suited for regular use. “All of our pottery is easy to care for and low maintenance,” says JoAnn, noting that by design all pieces are dishwasher and microwave safe. MudWorks’ best seller to date is “Elwood the Rainbow Unicorn,” a happy little mug design that rose to fame in 2012 after it appeared in major retail catalog called “UncommonGoods.” Orders for Elwood have poured in since- as many as 200 per week. It’s become clear that Elwood is quite the rockstar. Fortunately for locals, he’s available in the gift shop too. “I think people are connecting with Elwood because it’s impossible to look at him and be miserable,” says Leigh Ann Stratakos. “He spreads love and happiness to everyone he meets.” If creating your own pottery sounds like fun, you’re in luck. MudWorks hosts classes each Saturday and Sunday, their most popular being the Make-a-Mug class. For a limited time, and just in time for the holiday season, an angel luminary-making class is being held on select dates. Participants are urged to call and reserve ahead of time and bring a friend – classes have a two-person minimum. This holiday season is a perfect time to visit MudWorks. Whether it’s a special piece of servingware for the holiday table that is desired, or a unique gift, there’s truly something for everyone in this whimsical world of pottery. While there, guests just might get to chat with JoAnn, whose hands still touch every piece of pottery made in the studio. MudWorks Pottery is easy to find. It’s located right on Route 115 in Effort. For more information about their pottery or classes, visit or call 570.872.9683.


Local Flair

Make a Memory! Make-a-Mug classes are held Saturdays at 11 a.m. & 1 p.m. and Sundays at 11 a.m. Two person minimum. Appointments required. Call 570.872.9683

Visit the Gift Shop MudWorks is open Monday-Saturday through Christmas, 9 a.m.-5 p.m.

James Diamond Creator of Fine Jewelry

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601 Main Street | Stroudsburg, PA 18360 570.476.7909 | Local Flair



good tidings of comfort and joy By Ali Schratt

When you enter Comfort & Joy Unique Gifts and Luncheon in Scotrun, a sign at the candy counter reads, “This is my happy place,” and for owner, Deborah Skok- it’s the truth. Skok’s mother and father had a gift store in New Jersey and it was a true family affair, but after her mom passed away, it became too hard for her father to be there because of all of the memories. The family closed the store, but the idea of owning her own shop stayed with Skok throughout her entire 20 year teaching career in New Jersey. Now, exactly 20 years after the family’s store closed, Skok decided to take a leap of faith. She moved to The Poconos, transformed an old home into her dream store; Comfort & Joy. “My father passed away last year, and he made it possible for me to do this,” she explained gratefully, “I feel so blessed to be able to follow my dreams of owning my own store and am amazed at how everything has just fallen into place.” Skok’s happiness is magnetic and it pours on to the shelves of her gift store. The store is packed with unique housewares, bath essentials, jewelry and holiday items you won’t find anywhere else in the area. “I only buy from vendors that do not have their merchandise in other shops,” Skok explains, “I want everyone to be able to find something special here.” Vera Wolf Jewelry, the decorative lanterns that can be changed seasonally and organic food items make up a short list of some of Skok’s favorites. She shops at gift shows in New York, Philadelphia, Lancaster and even as far as Ohio to find pieces that will fill her store with, well, comfort and joy. Great gifts are not the only things providing comfort at this shop. The cozy cafe is serving up creative dishes like Lobster Macaroni and Cheese and Risotto. “The Chef Laura,” chicken, spinach, red onion, Swiss and Chipotle honey mustard served on brioche, is wonderful. Ladies fill the space in the cafe and Skok notices everyone begins talking to each other! “The other day, one woman starting chatting with the ladies next to her, and they realized they shared a family connection!” Skok delights in the idea of everyone feeling so comfortable and at home in her store. Her gratiude and and the obvious love she has for her new life is infectuous. Stop in and visit Comfort & Joy- it may become your new happy place. Comfort and Joy is located at 2404 Route 611 in Scotrun, PA. For more information, visit or call 570.730.4567.

“I want everyone to be able to find something special here.”


Local Flair




available at 3414 RT 611 B A R T O N S V I L L E , PA 570.629.3388

© 2015 Pandora Jewelry, LLC • All rights reserved • PANDORA.NET

AA-B2B_2015-AMERICAN_CANDLE-3.25X5.375_Holiday.indd 1

10/21/15 2:10 PM

Local Flair



tell us about your

holiday traditions... “Going to cut down our 14 foot Christmas tree at a local tree farm. Eventhough the farm has been closed for years, the owner still allows us to come and get a tree and charges us $20! We do this every year on the first Sunday after Thanksgiving.” -Patti Jensen “I love spending Thanksgiving with my entire family. My grandmother would have 40 or 50 people to our house when we were young and I loved being surrounded by people I loved... still do.” -Ali Schratt “I love decorating our tree as a family.” -Adam Schratt “For as long as I can remember, my grandpa has chosen a local family or organization in need to help in some way during the holidays, whether it’s donating food or buying gifts for children. He has always instilled the spirit of giving in our family.” -Cathryn Hahn “One of my favorite Christmas traditions is on Christmas Eve. We give our kids a gift box on Christmas Eve and it has a new ornament and new Christmas pajamas to wear.” -Katie Costa

“Our Scandinavian heritage celebrates the holiday on Christmas Eve. We take advantage of this to celebrate quietly at home before the craziness ensues. We make candelabras outside with snowballs. This will light the path for the Yule Tomten (elves) who are busy delivering presents door-to-door. Then we have a traditional smorgasbord of several meat and fish dishes; NO lutefisk here! This inevitably sends the kiddies into a carb-induced slumber. At midnight, the children awaken to the Christmas splendor that the Yule Tomten have delivered. After opening their gifts, back to bed they go. Swedish pancakes and Finnish pulla (sweet bread) are served for breakfast before they begin their day in the traditional, American-Christmas style with the rest of the family.” -Kirsti Coghlan


Local Flair

“When the kids hang up their stocking for Santa and get his milk and cookies and carrots for the reindeer. You can see their hearts pumping- they are so excited! I hung my stocking on the same mantle and I’m sure was just as excited, but being the parent and seeing the magic come out is priceless!” -Tricia Dunkelberger “My earliest Christmas memories include Rockefeller and it’s carried through, whether going with a group of friends in college, out-of-town visitors and my own children. It isn’t Christmas to me until I see that big, beautiful tree appear as I turn the corner.” -Meg Watt “My favorite holiday tradition is a tie- either our Christmas Eve party where Joe and I unveil our tree theme or my entire family gathering for breakfast in our pajamas at my parents’ house on Christmas morning.” -Juliet Dunham

“My dad used to dress up as Santa and visit our daughter on Christmas Eve. He did the same for me when I was young. My favorite memory is sneaking off and helping “Santa” get his outfit right before he delivered gifts to his granddaughter.” -Christina Durst “I love to go to the Christkindlmarkt and the Old-Fashioned Christmas at the farm. I love hosting my cookie exchange with my girlfriends. On Christmas Day, I love to stay in my pajamas as late in the day as possible, while my husband cooks a feast.” -Christine Harvell “My daughter, Abby, has us all over for brunch on Christmas morning. We get hoagies and coffee from Wawa and we open our gifts before our one o’clock meal!” -Joanne Deardorff

The Difference is

Join us for Breakfast, Lunch & Dinner Daily Specials Available! 3150 Route 715 in Henryville, PA (570) 620-1880 • BYOB Open Tues.-Sun. 7am-8pm • Closed Mondays

Vincent’s Deli & Catering

Catering made easy! Remember us for your holiday party catering needs. Call or visit for the area’s freshest catering for your next event! We provide corporate event catering, boxed lunches for fast-paced events, and complete spreads for holidays, parties, showers, weddings... and more!

570-213-4529 • Open 7 Days a Week! 2885 Route 611 North • Tannersville, PA

Local Flair


With one number you can now conveniently access our entire physician network:

1-866-PMC-DOCS TOBYHANNA Mountain Healthcare Center • PMC Immediate Care • Family Care • Internal Medicine • OB/GYN

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Schedule an appointment today Call Center now open 7am-7pm M-F and 8am-12pm Sat

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No matter how you

holidays Your

sweeter. just got a little Join us for

is your go-to source for quality and value!

Stop in for all of your holiday needs!

Candy Cane Making

At 2:00 PM on November 28-29, December 5-6, 12-13, and 19-20 at the Pretzel Factory

ChoColates • hard Candies • lollipops • Brittles • Fudge

Callies Candy Kitchen & Callies Pretzel Factory

Great food Great Beer Great PeoPle


in W a

ter Wo


nd erla ’

1411 Chipperfield Drive • Stroudsburg, PA 18360 For info, call: 570-420-9764

Both located on Route 390 in Mountainhome, PA • 570.595.2280 Both stores will be closed in January.

1774 Sullivan Trail Tannersville PA

570-629-9399 Local Flair


Colder weather is coming... are your windows ready?

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*Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/15/15– 12/7/15 from participating dealers in the U.S. only. A qualifying purchase is defined as a purchase of any of the product models set forth above in the quantities set forth above. If you purchase less than the specified quantity, you will not be entitled to a rebate. Offer excludes Nantucket™ Window Shadings, a collection of Silhouette® Window Shadings. Rebate will be issued in the form of a prepaid reward card and mailed within 6 weeks of rebate claim receipt. Funds do not expire. Subject to applicable law, a $2.00 monthly fee will be assessed against card balance 7 months after card issuance and each month thereafter. Additional limitations may apply. Ask participating dealer for details and rebate form. ©2015 Hunter Douglas. All rights reserved. All trademarks used herein are the property of Hunter Douglas.

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Gleco Paint & Wallcovering

3340 Route 940 • Mt. Pocono, PA Phone (570) 839-2840 •

Open Mon.-Fri. 7:30am-6pm, Sat. 8am-5pm, Sun. 10am-2pm

eat, shop, celebrate

*Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/15/15 – 12/7/15 from participating dealers in the U.S. only. A qualifying purchase is defined as a purchase of any of the product models set forth above in the *Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/15/15 – 12/7/15 from participating dealers in the U.S. only. A qualifying purchase is defined as a purchase of any of the product models set forth above in the quantities set forth above. If you purchase less than the specified quantity, you will not be entitled to a rebate. Offer excludes Nantucket™ Window Shadings, a collection of Silhouette® Window Shadings. Rebate will be issued in the form quantities set forth above. If you purchase less than the specified quantity, you will not be entitled to a rebate. Offer excludes Nantucket™ Window Shadings, a collection of Silhouette® Window Shadings. Rebate will be issued in the form ofofa aprepaid reward card andmailed mailedwithin within6 6weeks weeks of rebate claim receipt. Funds doexpire. not expire. Subject to applicable law, amonthly $2.00fee monthly fee will beagainst assessed against card balance 7 card months after and cardeach issuance and each month prepaid reward card and of rebate claim receipt. Funds do–not Subject to applicable law, ain$2.00 will be assessed card balance 7 months after issuance month * Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/15/15 12/7/15 from participating dealers the U.S. only. A qualifying purchase is defined as a purchase of any of the product models set forth above in thein the *thereafter. Manufacturer’s mail-in rebate offer for qualifying purchases made 9/15/15 – 12/7/15 from dealers in the U.S. Atrademarks qualifying purchase isaredefined asare a purchase of any of the product models set forth above Additional limitations mayvalid apply. Ask participating dealer for details and rebate form. ©participating 2015 Hunter Douglas. All rightsonly. reserved. All trademarks used herein the property of Hunter Douglas. ® thereafter. Additional limitations may apply. Ask participating dealer for details and rebate form. © 2015 Hunter Douglas. All rights reserved. All used herein the property of Hunter Douglas. quantities forthabove. above.If Ifyou youpurchase purchaseless lessthan thanthe thespecified specified quantity, quantity, you you will will not not be ™ Window Shadings, a collection of Silhouette Window Shadings. Rebate will will be issued in thein form quantities setsetforth be entitled entitled toto aa rebate. rebate.Offer Offerexcludes excludesNantucket Nantucket ™ Window Shadings, a collection of Silhouette® Window Shadings. Rebate be issued the form of a prepaid reward card and mailed within 6 weeks of rebate claim receipt. Funds do not expire. Subject to applicable law, a $2.00 monthly fee will be assessed against card balance 7 months after card issuance and each month of a prepaid reward card and mailed within 6 weeks of rebate claim receipt. Funds do not expire. Subject to applicable law, a $2.00 monthly fee will be assessed against card balance 7 months after card issuance and each month thereafter. Additional limitations may apply. Ask participating dealer for details and rebate form. © 2015 Hunter Douglas. All rights reserved. All trademarks used herein are the property of Hunter Douglas. thereafter. Additional limitations may apply. Ask participating dealer for details and rebate form. © 2015 Hunter Douglas. All rights reserved. All trademarks used herein are the property of Hunter Douglas. 8.125x10.875_Mag4C_Q4_SOS_AlDuette_F.indd 8.125x10.875_Mag4C_Q4_SOS_AlDuette_F.indd 1 1 8.125x10.875_Mag4C_Q4_SOS_AlDuette_F.indd 1 8.125x10.875_Mag4C_Q4_SOS_AlDuette_F.indd 1

10 N. 7th St. • Stroudsburg 570-421-1791 20

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Whether you need decadent, flavorful cupcakes, or a handmade gift for yourself or a loved one, you’ll find it at the Kitchen Chemistry or Pocono Soaps family of shoppes in Downtown Stroudsburg!

11:17 AM 7/16/15 11:177/16/15 AM 7/16/15 11:17 AM 7/16/15 11:17 AM

733 Main St. • Stroudsburg 570-730-4944





$109 $166 HURRY! DEAL ENDS 12/24/15

Tickets are valid any time, any day all season and are transferable among immediate family members.


Go to or call 570-421-7231

winter was made for adventure.

Exit 309 I-80 • Route 209 Bushkill, PA • 800-552-5653 For rates & hours, visit Advance group reservations recommended.

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Mountain Knits & Pearls Washington Street, East Stroudsburg 570.424.7770, 1. Yarn Bags by YarnPop starting at $30, 2. Yarn Bowls by Mudworks $42, 3. Beads! Various styles & prices, 4. Notecards 4 for $5 or 1 for $1.50 proceeds benefit The Dale & Frances Hughes Cancer Ccenter, 5. Gorgeous Kasha Throw. Yarn & Instructions $35.99

Pocono Soap 10 N. 7th Street, Stroudsburg 570.421.1791,

Every year we search the Pocono Mountains for some of the most unique gift items our area has to offer. Here are a few of our favorite items in 2015!


1. Natural Deodorant from Schmidts, 2. USA made wooden inspiration signs, 3. Our popular $8 Gift Sets- include a soap and a lip balm, 4. Bamboo Soap and Bubble Bath, 5. Gunslinger Soap from our new Men’s Section, 6. Jelly Doughnut Soap, 7. Pocono Bees Honey from our family hives in Stroudsburg






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Professional Home Treatments Home Decor • New/Estate Furniture Interior Design • Boutique • Accessories

Bundle Up

with Handmade Polar Fleece Hats, Scarves, and Capes Available for the holiday season!

1124 Route 390 • Mountainhome, PA Hours: Thursday-Saturday 10-5 and Sunday 11-3 or by appointment


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The Apple Tree

585 Main Street, Stroudsburg 570.421.7950,

726 Main Street, Stroudsburg 570.421.2798,

1. Faux Fur jackets & vests by Frank Lyman, Fabulous Furs & Parkhurst, 2. RazyGrrl wrap bracelet handmade in the USA, 3. Rifle BBQ lighters, the perfect stocking stuffer!, 4. Filson Men’s accessories including wallets, bags & hats, 5. Knit wool hats & accessories by Icelandic Design, 6. Brighton leather handbags, clutches & wallets, 7. Your True Color by Brighton - Limitless options for designing the pieces that are truly “you”

1. Assorted necklaces $25-105, 2. Assorted “designer inspired” accessories; tote $120, handbag $173, wristlet $79, NEST holiday candles $14-58, 3. Fring knot necklaces $133, 4. Outfit; Claudia Nichole cashmere sweater $275, Jen7 denim $188, Gentle Soles Gabriel bootie $250, necklace $59, 5. Cold weather accessories; Faux fur string mittens $23, faux fur headband $21, faux fur snood $34, fringe reversible “designer-inspired” cape $125, 6. Luxe outfit; Nally & Millie fleece sweater $70, 525 America rabbit fur vest $220, Hila Stone necklace $114, 7. Cold weather accessories; mittens $24, pom hat $32, infinity scarf $48, 8. Joseph Ribkoff fringe top $204


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Give the Gift That’s Picture Perfect!


1080p HDVideo with Full-time AutoFocus

Nikkor ® LeNses

unrivaLed exceLLence.

SB-910 DUNKELBERGER’S for women

55-300mm 55-200mm






Learn more at


585 Main St, Stroudsburg, PA

All Nikon products include Nikon Inc. USA limited warranty. ©2015 Nikon Inc.

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James Diamond Jewelry


1418 Pocono Blvd. (Route 611) Mt. Pocono, PA 570.839.8384, 1. Fit for an angel. White or yellow gold and or platinum engagement ring set. Halo design center round diamond surrounded by outer diamonds and matching band, 2. Your choice of white or yellow Gold and or platinum for this fancy hallo design with outer diamonds and oval diamond center, 3. Featuring three bracelets genuine semi-precious stones set in sterling silver. Handcrafted estate pieces 1960 era, 4. Have it your way. Choice of white or yellow gold and or platinum with princess cut center diamond surrounded by outer diamonds and matching diamond band, 5. Gorgeous sterling silver snowflake design bracelet set with genuine marcasites. An original estate piece from the 1940s.

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The 14 Kt. Gold Outlet’s Fine Jewelry Designs 611 Main Street, Stroudsburg, PA 570.421.5081, 1. 2.04 ct. Aquamarine with .60 ct. Of Diamonds $1,249.00 (reg. $2,000), 2. 2.66 ct. Ruby with .81 ct. Of Diamonds set in White Gold, 3. Beautiful Earrings with over 1 ct. Of White and Black Diamonds, 4. Gold- Plated, Sterling Silver Necklaces with Turquoise Stones $98 & $119, 5. Two-Tone 14k Solid Gold 5 Chain, 6. 14kt White Gold Necklace with .85 ct. Bezel Set Diamond

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Plan your with us.


ountaintop Lodge has ten rooms and suites in the main lodge and four cabin suites. Purchase a package or just a couple nights! Your stay includes: •A full cooked to order breakfast each morning •Assistance with planning any activities or meals in the area • Membership to the Lake Naomi Club to use the Platinum Club Amenities, which vary by season, include a 277 acre lake, beaches, indoor pool, outdoor pools, fitness center, tennis center, golf course & more!

2137 Route 940 • Pocono Pines, PA 570.646.6636 •


Special - Bring us your LIFT TICKET or WATERPARK PASS and receive 20% OFF YOUR STAY. Local Flair





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American Candle


3414 Route 611, Bartonsville, PA 570.629.3388,

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1. Jim Shore Santa, 2. Endless Jewelry: Jennifer Lopez Collection, 3. UNO de 50 Jewelry Collection, 4. Swarovski 2015 1st Edition Christmas Bell, 5. Dept. 56 North Pole, 6. Wooden light up starbattery operated w/timer, 7. Brighton Alcazar Necklace

Country Kettle Gift Shop & Candy Store 2523 Milford Road, East Stroudsburg, PA 570.421.8970, 1. Women Warriors I Am Bracelet $55, 2. Hats & Scarves starting at $20, 3. Swarovski Limited Edition Christmas Ornament $79 large star, $43 small star, 4. Endless Jennifer Lopez Collection Necklace necklace $60 Charm $65 Pink Drop Charm $75, 5. Ladies fine clothing, fur vests, ponchos, sweaters & more!







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Experience has a local address. Be confident thatthat your are going the right Be confident yourfinances finances are going in theinright direction. You don’t have totogo Because direction. You don’t have go far. far. Because rightright here here in Stroudsburg, you’ll you’ll find afind Morgan Stanley office staffed in Stroudsburg, Morgan Stanley offices staffed with capable, experienced Financial with capable, experienced Financial Advisors.Advisors. Morgan Stanley Financial Advisors you sort Morgan Stanley Financial Advisors cancan helphelp you sort through the the complexity ofwealth wealth management and through complexity of management and investing. Call us today to set up an appointment. And investing. Call us today to set up an appointment, and find the experience you need. Right where you need it. find the experience you need, right where you need it.

Lisa A. Cardwell Branch Manager 701 Main Street, Suite 501 Stroudsburg, PA 18360 570-421-3100 800-445-2291 stroudsburg

701 Main Street, Suite 501 Stroudsburg, PA 18360 570-421-3100

©2013 Morgan Stanley Smith Barney LLC. Member SIPC. CRC588398 (12/12) CS 7338791 FAS008A 04/13

© 2013 Morgan Stanley Smith Barney LLC. Member SIPC.

CRC588407 (12/12) CS 7338896 FAS012B 04/13

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Briar Patch at Thornhurst Nurseries


278 Pine Grove Road Thornhurst, PA 570.842.1266


1. Our glowing mercury glass owl holds a battery tea light, 2. Holiday metal signs, trimmed with glitter, can be hung on your tree, a wreath, your door...endless possibilities, 3. “Peace On Earth” bear says it all! He is on 1” thick wood suitable for hanging or leaning (15”x30”), 4. The American Folk Art Williraye Santa holds a Christmas Tree snow globe, 5. Sturdy and strong, our trees stand tall. We carry many varieties, textures and colors, 6. Ornamental wreaths, seasonal and every day, add a welcoming touch



Theo B. Price General Store 1


Located at Routes 191 & 390 Cresco PA, 570.595.2501


1. Krisnick handmade oval sculpture $160, 2. Krisnick snowman $160, 3. Silver tree owl figurine $13, 4. Solmate socks $17, 5. Handmade stuffed toys “Nook Nook Donkey” $16, 6. Klutz books $16.99 (Star Wars shown)

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Happy holidays.

Weekends Sept. 26 thru Nov. 22: Sat 10-5, Sun 12-4 Daily Nov. 27 thru Dec. 24: Mon-Fri 12-5, Sat-Sun 10-5

Christmas & Primitive Folk Art Decor Gifts • Soy Candles Seasonal Items

Christmas Tree Farm Woodsy... Eclectic... Nature Oriented

570-842-1266 | 278 Pine Grove Rd | Thornhurst, PA 18424

RESOLVE TO PROTECT Give yourself peace of mind by protecting the things that are important to you; your home, your family, your vehicles, and your business. Take advantage of local service from people you know by switching to Dreher.

For Business, Auto, Umbrella, Flood, Life Insurance, and more, think Local. Think Dreher!

551 Main Street Stroudsburg, PA Phone 570-421-6141

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The Gallery at Liztech 95 Crystal Street, East Stroudsburg 570.424.5681, 3

1. Liztech Isabella Necklace & 76ers, 2. Liztech Sundial Pendants $75, 3. Buddha Baby Banks $12, 4. Liztech Angel Pin $55, 5. Kitsch ‘Believe in Change” Necklace and Earrings, 6. Luca+Danni Bracelets $28


The Dressing Room 114 Washington St., East Stroudsburg, PA 570.420.0994,


1. Festive, elegant, and casual clothing for all occasions, 2. Wonderful selection of scarves, from cozy wool to comfy cotton, 3. Gorgeous one of a kind jewelry pieces, 4. Artisan linen woven belts, each buckle uniquely designed, 5. Beautifully handcrafted bags from California – made of vibrant fabrics collected from all corners of the world


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Check out our locally-made yarn bowls!

You can learn... and we can help! Classes available for knitting, crocheting, beading 114 Washington Street • Suite 100 East Stroudsburg, PA 18301 570.424.7770 • fax: 570.424.8778

available at 9 5 C R Y S TA L S T R E E T E A S T STROUDSBURG, PA 570.424.3177

Call to sign up for a class today! Visit for info.

AA-B2B_2015-LIZTECH-3.565x5.75.indd 1

Happy Holidays from The Dressing Room 114 Washington Street | East Stroudsburg | 570.420.0994 Tuesday-Friday 10-5, Saturday 10-4, Closed Sunday & Monday

10/28/2015 9:06:38 AM

Monday - Thursday Friday - Saturday Sunday Local Flair



Josephine’s Fleur-de-lis 601 Main Street, Stroudsburg, PA 18360 570.476.7909, Fine jewelry, unique gifts, elegant home decor, eclectic, sophisticated. Something for everyone. Open every day until Christmas. Free gift wrapping. Join us in celebrating our 10th year Anniversary.


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It’s beyond


Legal Choices, LLC founded by local attorney Mary Louise Parker, Esquire, offers alternative dispute resolution services. Using Collaborative Law, the result is often less financial and emotional strain on parties involved. If you’re looking for peace of mind, as well as financial and emotional savings regarding family matters or divorce, contact Legal Choices LLC. We’re here to help. | 570-424-0460 900 Scott Street | Stroudsburg



Small Business Saturday November 28th Visit Downtown Stroudsburg on Small Business Saturday, November 28th to take advantage of deep discounts and special deals from dozens of businesses. For more information, and to see a complete list of the deals, head over to... Local Flair



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Comfort & Joy Gifts 2404 Route 611, Scotrun, PA 570.730.4567 1. Tellon handcrafted snowmen $30, 2. Jewelry, jewelry, jewelry $10 and up, 3. Lanterns $40 and up. Reindeer $14.95, 4. Tree toppers $30-$50, 5. Various ornaments $5+, 6. 5-foot dollhouse! Stop in for prices.



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Shear Design Boutique 23 S. 6th Street, Stroudsburg, PA 5704.424.5118, 1 & 2. Volare Pewter Jewelry Starting at $18, 3. K. Hall Designs Scented Candles $20, 4. K. Hall Designs Travel Candles $9.95, 5 & 6. Look At Me Designs Hats & Gloves all Handmade in the USA



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Local Flair



Red Run Gallery 1888 Route 940, Pocono Pines, PA 570.643.9075 Red Run Gallery is full of unique finds including art, crafts, jewelry, and gifts, the majority of which are locally-made. Nature and wildlife are recurring themes throughout the gallery. These pieces are a small sampling of what you’ll find in the gallery’s many rooms.

Ellen Kerz Interiors 1124 Route 390, Mountainhome, PA 570.982.3897 1. Stick Candles tapers made from 100% beeswax in festive colors sold by the pair $34, 2. Tin Roof Pinecone Candle in 4 seasonal colors and scents includes a tin tray $24, 3. Stag Candle our best seller! Siberian Fir, Cilantro, Citrus and Rasberry all blended together 75 hour burn $37, 4. Christmas Ornaments from $3-$20, 5. Holiday Theme trays from Rock Flower Paper $45-$85, 6. RFP Silk scarves $24.99; Mona B Bags $45-$89; Umgee USA Tunic Dress $32 shown in Charcoal small, medium and large.


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Local Flair

sizzlin’ Try our new

Flaming Tuscan Pasta Wheel

created for you at your table. It’s more than just great food- it’s a dining experience!

3492 Rte. 611 Bartonsville, PA • 570-517-2400 • For our menu & hours:

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St. Luke’s Beam Signing Event

On October 1, 2015, the highest steel I-beam was signed by St. Luke’s employees, physicians, administrators and community stakeholders and placed on the tallest point of the structure that will soon support the first new hospital in Monroe County in 100 years. Beam “topping out” ceremonies are part of a long construction industry tradition to celebrate the ultimate height during the building process where those involved sign the beam. The evergreen tree used in the ceremony symbolizes the well wishes of good health and safety to the workers and all who enter. The steel used in this project was manufactured in the United States, coming from Arkansas, Indiana and Virginia to be fabricated into beams at Levan Associates, Inc. in Emmaus, Pennsylvania. “The locally-produced 1,255 tons of steel cost an additional $250,000 compared to foreignmade steel, but we at St. Luke’s University Health Network consider it a privilege and honor to keep this investment close to home,” said Richard A. Anderson, President & CEO, St. Luke’s University Health Network.

Sip & Shop at The Apple Tree On October 29 the Apple Tree hosted an awareness-raiser and fund-raiser directed towards Pocono Medical Center’s SAFE (Sexual Assault Forensic Examiners) program. This essential program is dedicated to serving individuals in our community who have fallen victim to sexual assault. PMC’s SAFE Team is comprised of health professionals who are trained to help ensure that victims of sexual assault are provided with competent, compassionate and prompt care, while providing the most advanced technology associated with DNA and other sexual assault forensic evidence collection and preservation. Along with our community partners, Women’s Resources of Monroe County and law enforcement, we support the recovery and prevent further injury or illness to these individuals. The SAFE team continually needs to raise funds for equipment and mandatory training for the SAFE nurses so they can continue to provide this needed program in our community. On behalf of the numerous sexual assault victims in our community, thank you to the Apple Tree, the Lodge at Mountain Spring Lake and the many sippers and shoppers that made this event so successful.


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See the collection at:





What are you afraid to lose?

During an outage, you don’t have to go without food, lights, water, or security. With a generator installed and serviced by the reliable technicians at Critical Systems, peace of mind is under your control. There are options to fit many needs & budgets. Call now!

Commercial & Residential Services

Installing Kohler Generators & servicing all others.

VISIT | CALL 570.643.6903 Local Flair



Lizzie’s Circle’s Black & Orange Ball

The third annual Black and Orange Ball was held on Thursday, October 29th,at Mountain Springs Lake Resort in Reeders to benefit Lizzie’s Circle. Lizzie’s Circle provides assistance to families residing in Monroe County that have a child diagnosed with cancer. The Black and Orange Ball is held on the last Thursday in October and is a black tie event with costume optional. To learn more about Lizzie’s circle visit their website at or call 570 350-1659.


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FROM A TRUSTED LOCAL BUILDER View our portfolio online at or browse for more information 50 Storm Street • Stroudsburg, PA 18360

(570) 476-5437

7,000 sq. ft. Custom-Built Log Home Overlooking The Appalachian Mountains.



331’ Of Shoreline, Lynx Outdoor Kitchen & Boat Dock Come with this Outstanding Contemporary Home.

Cell: 570-350-6052 • Office: 570-402-8524 Fax: 866-903-2103 •

Your lifestyle home awaits. Call now!

Lakefront Craftsman Style Home with 6 Cottages on Lake Wallenpaupack.

Traditional River Front Home with Guest House and Stunning Views.

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2015 Market Recap By Bob Kelly Your Professional Realtor Kelly Realty Group 404 Park Avenue, Stroudsburg, PA Cell 570-424-4400 Office 570-213-4884

Call Me For Your Marketing Consultation Now


HAPPILY EVER AFTER “I have worked with many realtors in many regions, and Bob is among the very best and the most impressive that I know when he listed and sold our house recently. He provided valuable advice on renovations & upgrades that buyers would be looking for. Bob has a low key and relaxed manner, but do not let that fool you. He is probably one of the hardest working realtors out there. Finally, Bob is very detailed oriented, always very patient, and (without saying) very knowledgeable. You will be in good hands when you hire Bob.” -Former Client

Bob Kelly is both a Luxury Marketing Institute and Million Dollar Guild member. • Over $15 million sold or under contract in 2015 already! • The top-selling agent in Monroe County the last 4 years!

Bob Kelly, Your Professional Realtor 404 Park Avenue Stroudsburg, PA 18360 Cell Direct 570-242-4400 Office Direct 570-213-4884 Office 570-421-2890 Email Statistical data source: Pocono Mountain Association of Realtors data for Monroe County, resale homes, for 2012, 2013, 2014, and 2015 transactions and sales sides.


Local Flair

2015 was another year marked by significant foreclosure filings, a trend that has permeated the area for years, rising and falling with economic tides and migration west from our eastern states. Since early November there have been 1,382 foreclosures sold in the Poconos, or 38% of all homes sold. When localized it to Monroe County, where the unresolved property tax issue continues, the numbers are worse at 976 homes, or 41% of total houses sold. Nationally, foreclosures have fallen for the past three years in a row and sit around 14%. Based on the latest RealtyTrac numbers, Monroe County has the distinction of the highest foreclosure rate county in Pennsylvania. The state average sits at 1 in every 1,341 homeowners while in Monroe it is at 1 in every 328. Northampton County is 1 in every 734, Carbon County 1 in every 970 and Pike County is at 1 in every 1,777 homes. Home sale prices bounced around this year, but are now showing a positive trend. After dropping -4.8% the 4th Quarter of 2014 and then a staggering -18.2% the 1st Quarter of 2015- the 2nd Quarter of 2015 was only down -2.7% and for the 3rd Quarter 2015 only -1.2%. Based on this improvement in the overall moving annual total, I foresee a positive trend going into 2016. Positive economic development, which was stalled for the last decade, is booming. Aquatopia and Kalahari Waterparks paved the way for the best tourism year in over ten years. With the new St. Luke’s Medical Campus, three Pocono Medical Center Buildings, and a medical mixed-use building in the works, healthcare development will continue to bring much needed mid to high-level job creation to the area. Developer, Jim DePetris and his group, Legend Properties have plans to build high-end retail, office space and apartments on the Mosier’s Dairy property adding even more positive growth and job creation. In closing, the 2016 real estate outlook is promising. I am making the bullish call that for the first year since 2007 we will see price appreciation. While it may not be earth-shattering appreciation like we witnessed during the building boom of the early 2000’s, I do believe numbers will rise next year. With a lot of luck, we may also have a finalized budget, offering much needed school tax relief to the area. We wish you a very happy holiday season! For more information on the local real estate market, go to

Gift $100, Get $20. Gift $50, Get $10. When you buy gift certificates from us, we’ll give you more. It’s our way of making your holidays a little brighter.

Merry Christmas and Happy New Year from our family to yours!

1224 Pocono Blvd, Mt. Pocono, PA 570-839-9678

Now with two locations! Route 611, Tannersville, PA 2972 Warner Rd, Tannersville, PA, 570-620-9055 1224 Pocono Blvd, Mt. Pocono, PA, 570-839-7437 570-629-2277 Valid Nov. 23, 2015—Dec. 23, 2015.

Say it uniquely

Limited edition greeting cards available now. Proceeds from each sale benefit The Dale & Frances Hughes Cancer Center. 4 for $5.00 or 1 for $1.50

114 Washington Street • Suite 100 • East Stroudsburg, PA 18301 • 570.424.7770 Local Flair



Financial Self-Advocacy by Thomas Byrne Director of Fixed Income Wealth Strategies & Management LLC Stroudsburg, PA Office: 570-424-1555,

• Ask if the portfolio created for you was created just for you. If an advisors is using a generic asset allocation model, you might wish to look elsewhere. Models are touted as cost-effective ways to invest, but they tend to become problematic when market volatility increases and asset correlations break down. Models often do not lend themselves well to adjustments for changes to investor needs. • Ask questions about the holdings in your portfolio. If the advisors cannot or will not explain each and every investment, it might be time to get a second opinion (as you might with a physician.

Article In the healthcare industry, patients are advised to be their own advocates. The same rule applies in the investment industry. It has been my experience that few investors question their advisors regarding the composition of portfolios. Investors tend to go along with whatever their advisor does, with the only questions concerning the amount of fees charged and the price movement of their holdings. This is like being only concerned with the size of the bill sent by your physician and the results of medical treatment without considering side effects. Unlike many financial professionals who interface directly with investors, my nearly three decades of industry experience does not come from the sales/financial advisory side of the business. My career has been on the trading and strategy side. My job is one of advising financial advisors, mainly on the fixed income side of the business. My function is to understand the inner workings of the interest rate, corporate credit and municipal finance arenas, and to share my knowledge with financial advisors who go the extra mile for their clients. More recently, my job has grown to include pro-active and self-advocating investors among my audience. In my career there have been financial advisors who have read my strategy reports and contacted me on a regular basis, as well as those who could not be bothered. It is the latter group of which investors should be aware. How can one tell which kind of advisor with which they are dealing? There are steps investors can take to increase the odds that they are dealing with a knowledgeable advisors who has the client’s best interest in mind.

• Ask your advisor his or her opinion on the equity markets, interest rates and economy. Although they are not economists, a knowledgeable and competent advisors should be able to speak intelligently on these subjects, without the aid of sales brochures. • Reiterate your goals, objectives and tolerance for risk and ask how each holding helps you accomplish your goals and objectives within your tolerance for risk. • Ask about the total expenses you are paying for portfolio management. One does not wish to overpay. However, cost is not everything. A financial advisor who takes the time to manage your portfolio to meet your specific goals, objectives and risk tolerance, and understands and can explain each one of the holdings in your portfolio is probably worth his or her management fees. These are just a few (in my opinion the most important) questions investors should ask their financial advisor. Readers who have any questions can contact me via the information listed above. Investing in securities is subject to risk and may involve loss of principal. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and WS&M LLC Bond Squad are separate entities from LPL Financial.

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holiday oders no


–Little Italy in the Poconos – Full Restaurant Menu • BYOB Catering Available • Italian Grocery Specialties Bakery & Delicatessen - All baking done on premises Serving Lunch & Dinner Tuesday through Sunday 570-424-9500 • 1523 N. 9th Street Route 611 • Across from Home Depot 46

Local Flair

Let Wealth Strategies & Management LLC SOLVE the Financial Puzzle for You

Wealth Strategies & Management LLC (WS&M) offers a unique approach to financial services, providing the depth of resources most associated with a large firm and combining it with the personalized customer service expected of a boutique advisory firm. Backed by over 100 years of combined experience, WS&M services a broad range of clientele including business owners, pre-retirees and retirees. WS&M prides itself on its superior attention to client relationships and access to a broad selection of financial strategies. Utilizing a proprietary financial analysis process, WS&M evaluates all aspects of each client’s financial health in order to create a road map to pursue shortterm financial goals and long-term financial security. The end result is that WS&M clients are educated and informed about where their finances stand, how their money is working for them, and how they will work towards their future financial aspirations.

WS&M Hosts a Monthly Seminar Series. Visit for details on the Current Seminar and Registration Information.

Discover how Wealth Strategies & Management can help you work toward realizing your financial goals.

Phone 570-424-1555 | 907 Main Street, Suite 102 | Stroudsburg, PA 18360 Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Private Advisor Group, LLC, a registered investment advisor. Private Advisor Group, LLC and Wealth Strategies & Management, LLC are separate entities from LPL Financial.

Call Me For Your Marketing Consultation Now

Unlock Your HAPPILY EVER AFTER bob kelly is both a Luxury Marketing Institute and Million Dollar Guild member. • Over $15 million sold or under contract in 2015 already! • The top-selling agent in Monroe County the last 4 years!

What is your happily ever after? Whether you’re in the market to upgrade to your dream home or you’re ready to sell and move on to new adventures, whatever step is next in your life, Bob Kelly is the choice for you! As the area’s top producing Realtor, year in and year out, you can trust you’ll receive the most extensive targeted marketing to attract buyers both locally and nationally to sell your home quick. “I have worked with many realtors in many regions, and Bob is among the very best and the most impressive that I know when he listed and sold our house recently. He provided valuable advice on renovations & upgrades that buyers would be looking for. Bob has a low key and relaxed manner, but do not let that fool you. He is probably one of the hardest working realtors out there. Finally, Bob is very detailed oriented, always very patient, and (without saying) very knowledgeable. You will be in good hands when you hire Bob.” -Former Client

Bob Kelly, Your Professional Realtor

404 Park Avenue Stroudsburg, PA 18360 Cell Direct 570-242-4400 Office Direct 570-213-4884 Office 570-421-2890 Email Statistical data source: Pocono Mountain Association of Realtors data for Monroe County, resale homes, for 2012, 2013, 2014, and 2015 transactions and sales sides.

Holiday 2015  

The Holiday issue of Local Flair magazine features a local shopping gift guide, discounts on area restaurants, and info about some of the mo...