Saw Creek News

2014

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PUBLICATION OF SAW CREEK ESTATES COMMUNITY ASSOCIATION

2015 Proposed Budget

By Peter Derrenbacher We are pleased to report that the preliminary 2015 Operating and Capital budget keeps our dues unchanged (beginning on page 14). We are now in the comment period.

According to our bylaws all members’ comments shall be submitted in writing to the Finance Committee. In addition the Finance Committee will be having their normal meetings on Thursday, Oct. 23 and you are welcome to attend this meeting and comment as well. The final budget will be approved at the November 8th board meeting.

Clearly your management, board and finance committee realize the current economic environment and our need to maintain our community in a pristine way and yet control our expenses to the best of our ability.

Our committee’s role is to oversee revenue and expenses to ensure our homeowners are afforded a community with excellent services and amenities and at the same time, a watchful eye on both revenue and expenses.

Our committee meets every fourth Thursday of the month at the Top of the World, Mountain Room, 7 PM. Every meeting is open to all homeowners and you are welcome to comment at these meetings.

Merger Vote on Agenda for October Town Hall Meeting The Board of Directors, Finance Committee and management have worked in close cooperation with our legal and financial advisors, to consider merging Top of the World, Inc., with and into parent corporation, Saw Creek Estates Community Association, Inc. If approved by the membership, the merger will reduce administrative effort and expenses required to maintain the two separate legal entities. Saw Creek Estates will continue to be governed by its Board of Directors as provided for in its bylaws and the rights of our members will not be affected by the merger.

As you may know, the Board had hoped to answer your questions and request your vote to approve the merger during the Annual Membership Meeting on Saturday, July 19th, 2014.

This will serve as notice that a Town Hall style, Special Meeting will take place on Saturday, October 18, 2014 at 10:00 am, in the Top of the World Indoor Tennis Courts.

The following topics will be on the agenda at this meeting: • • • • • •

TOW/SCE Merger Vote PPL Power Line Update Lancaster Road Bus Stop Deer Management Plan Update Strategic Plan Update Member Questions & Answers Session

All members are encouraged to submit questions related the above agenda items well in advance of the meeting so that we may provide you with a complete and detailed response. You may submit your questions in writing to any member of the Board of Directors or by email to memberservices@ sawcrek.org. We look forward to seeing you at the meeting.

5728 Decker Road BUSHKILL, PA 18324 Stroudsburg, PA 18360 PERMIT NO. 322

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PRESIDENT’S MESSAGE

INSIDE THIS ISSUE ADMINISTRATION President’s Message

2

General Manager’s Report

4

Recreation Director’s Report

5

Facilities Director’s Report

6

Out with the Old, In with the New

8

LETTERS TO THE EDITOR

10

BUDGET Assessments Payment and Collection Policy

12

2015 Prop. Operating Budget 14 2015 Capital Proposed Budget 19 COMMITTEE REPORTS Treasurer’s Report

20

Women’s Club

22

Appeals Committee

22

Beautification News

23

Building & Architectural

23

Safety Committee

24

Recreation Committee

25

Rules and Regulations

26

Men’s Club

27

EVENTS Out & About Events

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SCE NEWS Welcome New Homeowners 30 Why Vote?

31

How Much Time Have You Invested?

31

Scholarship Awards

32

From the TOW Manager

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Fall Happenings at the TOP

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Hello Saw Creek.

First, I could not be more grateful or more humbled in being able to accept the position of President of our community association. I would like to start by thanking Bill Montgomery for his hard work and dedication to the community as president for the past two years.

I especially want to express my appreciation to those board members who ended their term this year as a Board Director; Ron Trimble, Mike Campea and Robert Palmer.

On July 19th, the Board held its 2014-2015 organizational meeting and the first order of business was to elect Board officers for the year.

I was asked by the Board to serve as President, Robert Long was elected as Vice President, Joseph Salerno was elected as Board Secretary and John Mathew was elected as Treasurer. The meeting was quite interactive as we discussed the goals for the upcoming year. All Board Members, including the three newly elected members, asked good questions, offered new perspectives and insights, and brought energy to the proceedings. 2014 was a very successful year for the Association in all areas and we expect 2015 to get off to a solid beginning as well. Our focus for the coming year is to complete most of our tasks and to keep the community safe, beautiful, properly maintained and environmentally sound. After considerable discussion and collaboration, the Board unanimously agreed to maintain and deliver on our long standing objectives of: •

Fiscal responsibility

•

Improved efficiency in community operations and governance

•

Increased transparency via new and existing communication vehicles including E-Blasts, meetings, bulletins and notices.

•

Development of a Long Term Plan

As a community, we have common interests and goals.

With all of the positive changes and improvements that our community is about to embark on, I believe that core changes and partnerships need to happen as well. Having said that, I highly encourage you to join a committee or volunteer and share your concerns, ideas and have fun!

Our primary focus these last few months has been the drafting of the 2015 Draft Budget. As always, our budget process has been a team effort.

Staff has worked all year to refine operations and find cost efficiencies. Members of the Finance Committee are working just as hard to ensure costs are contained. Our Treasurer and the Finance Committee have worked closely with staff on early iterations of the Draft 2015 Budget where the Finance Committee has conducted numerous open meetings focused primarily on this topic. I am pleased to report that all of this hard work has paid off and that the Board has approved a 2015 “DRAFT” budget providing for a potential 0% assessment increase.

Invoices for the 2015 Association HOA dues will be mailed in December. We are very fortunate

I want to thank everyone who attended the Annual Meeting on Saturday, July 19, 2014. Although the attendance numbers were very low for a community our size, the meeting was productive.

New Board members were elected and we are truly excited about the group of residents who volunteered to serve as your Saw Creek Board of Directors. Thanks to those who gave presentations at the Annual Meeting and a special thanks to our new Directors, Joseph Salerno, James Hidalgo, and Suzanne Mark, who were elected to serve a three year term. We welcome our new directors and look forward to the expertise they will bring in volunteering to help make Saw Creek a strong community It’s an absolute privilege to work with such a great team, and I can’t wait to see what 2015 will bring! Thank you to those of you who voted in this year's election!

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that most of our members pay their dues. We encourage all homeowners to pay on time and by check or money order if possible. Paying by check or money order helps reduce the more than $20,000 in credit card processing expenses we see each year. The board has many options on collecting these funds with fines, legal action involving liens, sheriff sales, and foreclosures. This year as in the past, we will be taking aggressive action against individuals that refuse to pay their Association assessments.

Being on the Board is not a thankless job. Yes, it can be demanding at times, however, the friendships and knowledge I have gained over the past four years far outweigh any perceived negatives. When I see the recognition our community gets from real estate agents or from homeowners coming up to me and saying “hey you guys are doing a great job,” it’s all been worth it!

As the leaves fall off the trees, and the chilly, barren winter sets in, I challenge you to attend our monthly board meetings, be inspired and engage with your neighbors as our community blossoms. Board meetings are a great forum to make your voice heard and work together to improve our community. Now is the time….let your voice be heard, now is the time to enlarge our presence with the support of your neighbors and now is the time to get involved! There is always a place for you, no matter what your level of involvement. The message here is clear… good decisions, actions, and progress flow from greater attention and participation by our members.

Thanks to all who worked hard to represent recent community concerns even when passions flared from differing opinions.

ways—attending Board and Member meetings, visiting our web site, sending letters and/or submitting emails. It was agreed upon by all Directors to create a centralized email address for submitting questions or concerns to the Board of Directors. For the Board to successfully fulfill its obligations, we need to know what is on your mind. All questions to the Board can now be sent to scebod@sawcreek.org or info@sawcreek.org and in most cases, your questions will be answered by the appropriate director and/or management staff within a 72 hour period.

Again, the Board believes we will be off to a good start to 2015 and we hope to see you at an upcoming Board Meeting to advise you further about how the Association is doing and to hear any feedback, questions, or concerns you might have. Consult our website at www.sawcreek.org for the date and time of the monthly Board and Committee meetings.

On behalf of the entire Board, we hope everyone had a great summer. We look forward to the fall and hope you enjoy the improvements being made to the Community.

Sincerely,

PUBLISHED BY NIKI JONES AGENCY, INC. 39 Front Street Port Jervis, New York 12771 P: 845.856.1266 E: ads@nikijones.com The Saw Creek News is not responsible for typographical errors, mistakes or misprints.

All advertising, including photographs are the property of Niki Jones Agency, Inc and not that of the advertiser. The advertiser has purchased rights of reproduction in the Saw Creek News and does not have the right to reproduce ads in any other place or publication without written permission from the publisher. The Saw Creek News reserves the rights to exercise its discretion in the selection of advertisements.

Kathi Connell SCE Board President

The last point I would like to make relates to communication, this can be improved in several

247 Fox Run Lane, Suite 102 East Stroudsburg, PA 18302 Quality childcare you can trust!

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PUBLICATION OF THE SAW CREEK COMMUNITY ASSOCIATION, INC. © 2011 5728 Decker Road • Bushkill, PA 18324 P: 570.588.9329 E: info@sawcreek.org

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SCE BOARD OF DIRECTORS President Vice-President Treasurer Secretary Members

MANAGEMENT TEAM General Manager Director of Public Safety Director of Facilities Recreation Director Director of Human Resources and Administration Restaurant Manager Director of Member Services Director of Finance

Kathi Connell Bob Long John Mathew Joseph Salerno Bill Montgomery Thomas Sodan Bob Shrekgast James Hidalgo Suzanne Mark

kathi@sawcreek.org bob@sawcreek.org john@sawcreek.org joseph@sawcreek.org bill@sawcreek.org thomas@sawcreek.org roberts@sawcreek.org james@sawcreek.org suzanne@sawcreek.org

Dave Martin Jim Andrews Jeffrey Gaal George McCormick

dave@sawcreek.org jim@sawcreek.org jeff@sawcreek.org george@sawcreek.org

Peggy Gottschau George Gerhart Jessica VanDerVliet Cathy Wargo

peggy@sawcreek.org george.gerhart@sawcreek.org jessica@sawcreek.org cathy@sawcreek.org

COMMITTEES & CHAIRPERSONS Appeals Norda Calder hearingandappeals@sawcreek.org Beautification Phil Cozzi beautification@sawcreek.org Finance Peter Derrenbacher finance@sawcreek.org Building & Architectural Dave Stagg maintenance@sawcreek.org Nominating TBD nominating@sawcreek.org Public Information TBD pic@sawcreek.org Recreation Ida Mathew reccommittee@sawcreek.org Rules & Regulations Paula Schartzman rulesandregulations@sawcreek.org Safety Robert Harter safety@sawcreek.org Disclaimer:The comments, statements or written opinions expressed in the Saw Creek News are the sole responsibility of the signed individual/author and/or committee and are not edited. All Letters to the Editor and paid political ads do not reflect the opinions or views of the Public Information Committee.

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ADMINISTRATION General Manager’s Report

By David W. Martin For the past several years, you’ve heard a lot of talk about long-range planning, vision, values and the need to change our organizational culture by first changing our individual attitudes and behaviors.

You’ve heard such things almost exclusively from me, at numerous meetings and here in the pages of the Saw Creek News. I’ve spent a great deal of time talking and writing about why a change in attitude and behavior is essential if we are to develop a lasting and effective plan for the future.

But as the saying goes, talk is cheap. And actions speak louder than words. And so after much talk, there comes a time for action.

As you know, a new Board of Directors was seated in July. I was a little apprehensive – truth be told, just as I am before every election - about what changes or new direction might come from the change in Board members and leadership. I was pleased to learn that, following the organizational meeting to elect new officers, one of the first things the new Board did was to reaffirm the need for improvements in planning, communications, teamwork and transparency. And this was more than just talk. They are taking action!

The Board of Directors enacted a new communication policy which promotes better teamwork and transparency by encouraging all directors, volunteers and staff to ensure that the right people are copied on all correspondence. It’s intended to keep discussions open and honest and to make sure all relevant opinions and concerns

are addressed. To further improve teamwork and collaboration between the board, committees and management, they have acted to reinstate regularly scheduled Committee Roundtable meetings, the first of which will take place later this month. To take this effort further still, they have agreed to more frequent use of town hall style meetings to share information about our progress and to hear directly from the membership. They have also created an email address, scebod@sawcreek. org, that you can use at any time to share your comments, questions and concerns.

One action taken by the new Board was met with a bit of skepticism during the August meeting. The Board chose to remove one of two member comment periods on the regular meeting agenda. While it is understandable that some members might view this as a negative – taking away one opportunity to comment - I believe it was a sound decision made for the right reasons.

Board meeting agendas are available to those in attendance and the best time to comment on agenda items or other matters is before the Board considers them, not after. In lieu of the missing comment period, the Board is considering additional opportunities, perhaps following each regular meeting and other options for the sole purpose of hearing member questions and concerns. This will allow more detailed discussion of member concerns and a more detailed response than is possible during any regular meeting comment period. I actually see this as a net gain

and hope that everyone will come to appreciate the wisdom and benefit of the Board’s decision.

Another recent action by the Board was to schedule what President Kathi Connell referred to as a new start, “a roundtable/casual meeting with the General Manager, the management staff and the Board Directors for an open discussion to address career concerns, leadership issues and ideas, planning options, to hear questions/ comments and identify next steps to assist us in moving forward together as community leaders.”

I am extremely grateful that the Board decided to hold such a meeting, only the second or third such meeting in my nine years of service at Saw Creek.

The meeting was very productive, informative and well received by Directors and staff. I hope that we find the time to do it again, at least once or twice each year going forward.

And…finally, one very important action taken by the Board was to follow-through on a commitment made by the prior Board. One of the last orders of business by the prior Board was to approve hiring a professional consultant to advise and assist them with assembling the nuts and bolts of our draft Strategic Plan. The new Board and I met recently with Mr. Jeffrey Evans of Management Matters, LLC. Together, we will be having regular meetings and sharing information between meetings from now until early next year; at which time we expect to deliver a detailed Strategic Plan and a long-range facilities plan. Following a period for member comment and final revisions, our plans can then be set in motion with the broad acceptance and participation of all concerned.

So it seems that things are really beginning to move forward at an accelerated pace; from too much talk and too little action, to the more resultsoriented approach driven by your new Board. I am encouraged by what I’ve seen in just the past few months and look forward to working closely with the Board, our Committees and staff to deliver the results that our members desire and deserve.

So let me now step down from my soapbox, stop talking and get back to work. Let us all get back to action, because “the act” will trump “the talk” every time!

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Recreation Director’s Report

By George McCormick, Recreation Director The summer of 2014 for the Recreation Department at Saw Creek was busy. As in the past, things got kicked off with Memorial Day weekend that saw low visitation to many of our facilities, especially those that were outdoors.

This was most likely affected by the oddly chilly temperatures for late May. Once June had arrived though, Mother Nature decided to turn up the heat. The official summer started on June 20th for the outdoor pools and they were busy from the get-go. With the facilities set to maintain their customary summer hours, the Recreation Department looked for ways to enhance our program to the Saw Creek community.

Recreation planning involves a blend of reviewing past events and researching potentially new program ideas. Some of the past events that continued to have success this year included Community Day in June, the 4th of July weekend pool party and the two community tennis tournaments. These hallmark events were aided by good weather, devoted audiences and timetested outlines that have traditionally worked well in the past. As for new and special event programs, there were good turnouts for several throughout the summer. Many family-oriented, low-cost events were highly attended and well received. These included the July barbecue fundraiser for BYA at The Top, Stargazing with PEEC, the Live Animal Show and Laser Tag. Additionally, for the grown-ups, the Mohegan Sun casino bus trip was nearly sold out. The most successful new program added this Summer was Youth Sports Camp. Averaging 22-24 youths per week for six weeks with instructional and fun sports-based activities made this seem like an easy reason to enjoy the summer for all who attended.

Yet, not all of our scheduled events were as highly successful. While we had attendance at all of the programs, some of them were lowly visited. In order to remedy this, it helps to review possible reasons as to why this may have been.

be no clear cut reason for their failure. Although there may be a list of potential causes for this (cost, convenience, apathy, etc.), the focus should be on how to fix the problem or to eliminate some of these programs altogether. In order to make sure that we only cut programs that are not wellliked, we have to make sure why these events are not being attended. This process will require us to gain feedback from our membership.

Effective communication is essential for us to get the message right. For the Recreation Department, there are multiple outlets and means of communication. Ways for the department to reach the membership include the Saw Creek News, the monthly bulletins, posters and flyers.

Also, in these modern times, electronically we are advertising through the calendar on the website, on the Saw Creek Facebook page, through the Saw Creek Twitter account and with email blasts to those registered to receive those. Additionally, to stimulate conversation the old-fashioned way, we encourage word-of-mouth advertising with the marquees, the LED signs and through the Recreation Committee. To make the Recreation program as highly successfully as possible, we want to encourage everyone in the Saw Creek

HELP US K EEP YO U R DU ES LOW

Includes Credit Card Processing Fees of $25,000?

Let’s work together to keep our dues lower PLEASE……when paying your Association dues pay by check or debit card.

THANK YOU

community to reach out to these outlets. Attend an event, one of the Recreation Committee’s monthly meeting, the BOD monthly meeting or call/email the Recreation office. I would be happy to listen to your opinions and suggestions. With full participation from the management and the membership, we can make the Recreation program at Saw Creek first-class and progressive. You can reach me at george@sawcreek.org or by phone, (570) 588-9329, ext. 2218.

While there could be numerous reasons why certain programs did not receive the same attention as highly attended ones (i.e. the 4th of July pool party), we should be able to identify ways to deflect some of these concerns when planning ahead. Two primary factors seemed to highly affect attendance at some programs; weather and convenience. The weather, even during the Summer months, can make or break an outdoor event. Good examples of this were the Mill Pond beach party, the July 4th fishing derby and the Labor Day weekend pool party. Unfortunately, each of these was impacted by unusually chilly, breezy and overcast weather conditions. A likely remedy for these situations is to have a contingency plan in place to possibly move these events indoors and minimize the weather effect, if possible. As for other programs, there seemed to SAW

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Did You Know That Your 2015 Dues

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FACILITIES Director’s Report

By Jeffrey J. Gaal, Facilities Director

SAW CREEK ESTATES

ROA D CLOSURE The Falls Bridge located on Woodbridge Drive East will be closed beginning on Wednesday, September 3 for repairs.

Repairs are expected to last for 90 days. Please follow detour signs and drive with caution around the area.

For more information please call the Member Services Office at 570-588-9329.

Busy, busy, busy is what the maintenance team has been. As winter approaches there is so much to do.

Of course plows and spreaders must be made ready for the long season, but this is just the tip of the seasonal iceberg. All trucks are being outfitted with led strobe light bars for everyone’s safety, including the truck operators. Visibility is vital in severe weather. With the addition of a few new employees, there will be some changes made to plow operations which should make things easier on everybody. This year we have added a new pickup truck to the fleet without removing one, so this will give us a spare truck to cover for breakdowns or more coverage.

Also added was a new John Deere skid steer to the fleet which will help immensely with snow removal.

Snow guns will be serviced and made ready for the long cold nights that await us. Some minor work has been done to the ski lift and it’s ready to go. Some original carriage wheels were recently replaced.

Given that this lift was installed in 1976, we certainly got our money’s worth out of these parts!

All of the towers were painted last year and the chairs also. The groomer is being rebuilt with the purchase of a second, newer machine for parts.

The outdoor pools are closed for the season. Mill Pond indoor pool will close for the winter starting October 1st till spring. As usual the TOW indoor pool will be open all winter.

You may have seen the maintenance guys out on the road cutting trees and brush. This is a long overdue project. Most trees and brush will be cut back to 10 feet from the white line. Some higher trees will also be cut back. Why you ask? This process keeps the snow covered trees from hanging in the roadway and creating driving hazards for everyone. This trimming also lets the sunshine get to the roadways to help with the melting and clearing process. This, along with our brine application, will help make snow and ice events become easier to deal with.

Stormwater repairs are underway at several locations throughout the community. St Andrews, Woodbridge Drive East, and Saunders Drive are just a few of the locations that are scheduled for repair. Please drive cautiously when approaching these and other areas of construction. The Falls Bridge at the intersection of Decker Road and Woodbridge Drive is under construction until sometime in the beginning of December. Please be patient with this project, we are shooting to get it done before the snow flies.

As always please drive safe and be cautious during the winter season.

State Rep. Rosemary Brown V isits Saw Creek !

State Representative Rosemary Brown takes time from her schedule to enjoy Saw Creek’s annual community day activities.

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U nited States Court of A ppeals Rules in Favor of Saw Creek Estates About two years ago, an article appeared in The Pocono Record titled “Ex-employee files sexual harassment suit against Saw Creek.” At that time, General Manager Dave Martin said the claims were without merit and expressed his complete confidence in our Public Safety Director James Andrews; Human Resources Manager Peggy Gottschau and (former) Assistant Director Artie Furman, all of whom were named co-defendants in the suit.

After more than a year of legal proceedings, Saw Creek attorneys filed a motion for summary judgment.The U.S. District Court granted the motion, ruling in favor of Saw Creek Estates.

The court also ruled that the plaintiff must pay Saw Creek Estates more than $4,500 for reimbursable defense costs.

In response, the plaintiff, former Public Safety Dispatcher Heike Obergantschnig took her case to the next level, the United States Court of Appeals. On July 31, 2014, the Court of Appeals upheld the ruling of the U. S. District Court, finding that the defendants Saw Creek Estates; James Andrews, Peggy Gottschau and Artie Furman did not violate the law or the civil rights of the plaintiff.

Although Obergantschnig could have appealed her case to the United States Supreme Court, the deadline for that appeal has passed and in any event, it is very unlikely that the Supreme Court would have agreed to hear the case.Therefore, we now consider the matter closed.

This case raises two important points.The first is that the Saw Creek Estates Board of Directors has shown its commitment to all employees by refusing to settle this case out of court. Instead of just cutting a check in order to make the case go away, they chose to stand on principle in defense of the Association and its employees and policies by providing the legal and financial support needed to see this through to the end.

We should all be grateful for that support.

The second important point is this. Four different judges in two federal courts have examined the evidence including hundreds of pages of testimony and emails, notes of meetings, our personnel policies and practices and the actions taken by our management team.The outcome is clear. Saw Creek’s personnel policies and management practices are well documented, consistent with the law and completely defensible against any false or misleading claims of harassment, retaliation or wrongful discharge.This should go a long way toward discouraging others from pursuing such frivolous claims in the future.

The members and employees of Saw Creek should recognize that they are part of an organization that is thorough and professional at every level, always seeks to improve, and supports and defends its employees and members alike.We should be proud of the teamwork, cooperation and resolve that our community leaders and management staff have demonstrated in seeing this case through to a successful conclusion.

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SU PPORT O U R A DV ERTISERS SHOP LOCA L! NEWS

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Out with the old, in with the new Member Services Re-opens its doors to a newly renovated space

By Jessica M. VanDerVliet, Director of Member Services Since April the MSO staff and I have been temporarily located in the former Public Safety Building located on Decker Road while the much needed renovations were taking place across the street in the Member Services Building. Since we relocated in 2007 the office space has had a lot of “wear and tear” and needed to be “brightened up”.

Member Services has now been transformed into a beautiful, more efficient place for our residents and staff. We have two service windows which allows us to work with our residents on a more one-to-one basis instead of trying to squeeze two people into a tight area. Our lobby area has been modernized with comfortable seating, along with two new additional windows which brighten up the office tremendously. The new color scheme is pleasing to the eye and has already been referred to as “soothing” and “refreshing”.

The walkway and exterior of the building also received a much needed facelift. New pavers, columns and beautifully selected landscaping features were added to give the Member Services Office a world class look. As an added security measure cameras and increase lighting were added to the interior and exterior of the premises.

I invite any resident to stop by and check out the newly renovated space. We are very satisfied with the new, efficient office and reception area and are eager to continue to assist our homeowners.

TRY OUR LOYALTY PROGRAM! SAW

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LETTERS

LET TERS TO THE EDITOR PROTOCOL

Letters to the editor To The Editor:

Do you have questions about our community? Concerns? Looking for advice?

Can you share insights or solutions to some issues that affects you and/or your neighbors?

All SCE residents in good standing may write a “Letter to the Editor.” Letters of 300 words or less, in MSWord format must include name, lot and section number. The lot and section number will be used for verification of member status only and will not be printed.

The Public Information Committee makes every effort to see that facts are printed as available space permits.Your letter may be directed to: Saw Creek Public Information Committee at 5728 Decker Road, Bushkill PA 18324 or emailed to PIC@sawcreek.org

DEADLINE: Last date for submission of letters for the next issue of the Saw Creek News is TBD.

I believe the Board's proposed deer cull is not in the best interest of the community. The cull will be done by the same firm (the USDA) that conducted the count. No count by a third party has ever been taken and, as far as the cull, no third-party bids have ever been sought. This is a conflict of interest and also in clear conflict with SCE bylaws that call for open bids. Counts, in any case, are not useful in judging the size of a deer population. "A waste of money" is how Dr. Christopher S. Rosenberry, Supervisory Wildlife Biologist of the Pennsylvania Game Commission, describes deer counts (reference: "Management and Biology of White-Tailed Deer in Pennsylvania, 2009-2018"; published 2009).

We have lived here for 17 years and we have never had an understory on our property. We live in an old and lush oak forest with a full canopy that blocks the light to the ground, limiting undergrowth as is clearly evident in the community's test areas near the VIP pond and TOP. The desirability of undergrowth is questionable given the potential fire hazard that undergrowth poses.

Cruelty inside our community is another issue altogether -- as is gunfire inside our community. This community has been here for 40 years and has never had a shoot. Why now? Many homeowners purchased their property because of our woodland setting, a principal part of which is the deer and not an imaginary understory. Let Saw Creek set an example for others by seeking the advice of environmental research scientists to humanely manage our community.

Mark Pender Patricia Hammond

To The Editor: As a couple that has been involved in our annual “Community Day” for many years, we would like to point out that this year’s event on June 21, 2014 was raised to a new level. Our new Recreation Director George McCormick and his able assistant Renee Hojnowski added many new features to this event, which to be perfectly honest, had become somewhat stale. Many new rides were added for the enjoyment of our kids and long lines were observed all day. Highlight was the pie eating contest which brought much laughter from parents whose children were participating as well as all who were watching.

Thanks go out to all the committee members who volunteered their time at their tables to try and recruit new members.

Lastly, special thanks to the Men’s Club who for the past few years, have partnered with the Recreation Department, to make this a truly complete event. The food they supply and the time and hard work in preparing and cooking for so many of our homeowners only adds to the spirit of “Community”.

Thank you to everyone who was involved in this year’s event and be advised that you have raised the bar and we expect it to go even higher in the future.

Bill & Res Montgomery

To The Editor: Hello, as a homeowner in good standing, I would like to voice my concern that the deer cull may still be moving forward. I object to this because there are more humane methods of culling the herd, as recommended by The Humane Society of the United States (HSUS) at their website: http://www. humanesociety.org/animals/deer/tips/deer-humane-control.html?credit=web_id424367309 Concern for the well-being of our community's deer and other wildlife is not anthropomorphism. As confirmed by the HSUS, deer cull by firearms doesn't result in long-term reduction of the herd.

Any decision the Board makes about the deer cull will affect future generations of deer, and must be carefully considered, so that all Saw Creek residents can continue to enjoy our natural woodland setting.

We are obligated to preserve and enjoy, not pillage and destroy. Please, Saw Creek Board of Directors, won't you reconsider the deer culling by firearms.

Thank you, MJ Stigliano SAW

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To the Editor:

To the Editor:

Here are some tips on how you can save some money on your residential energy costs.

On July 19th, I completed serving six (6) years on the Saw Creek Board of Directors. I must thank the Membership for electing me twice to represent them. It has been a privilege and honor to serve this wonderful community.

ELECTRIC: Look at your monthly Met-Ed bill and you will note it is broken down into two charges, distribution and generation. Distribution charges are for the poles and cables that connect to your home. You are locked into this. Generation charges can be supplied by other companies. You can research these companies by going online to: PAPOWERSWITCH.COM Here are some recent comparison rates. These rates are subject to change.

Met-Ed

888-545-7741 .0975 kwh

PP&L

888-289-7693 .0766 kwh

Next I want to recognize all those individuals that advised, guided, and supported me during my tenure on the Board. It was greatly appreciated.

They include past Board Members Chris Irwin, Tom Correnti, Pete Derrenbacher, Gene Ferrell, and Mike Campea. Also the current Board of Directors – especially our new Board President Kathi Connell.

Direct energy 888-734-0741 .0899 kwh NRG Retail 855-500-8703 .079 kwh At this time Met-Ed will permit you to switch to any company without charge. Before signing with another company ask about their enrollment and cancelation policies. Many companies have incentive plans for new customers or will lock in a different rate for a term of 6 months or longer. Some offer rebate programs.

Also Committee Leaders Dave Stagg, Phil Cozzi, Bob Detlefs, and Norda Calder; our General Manager Dave Martin; the Director of Member Services Jessica VanDerVliet; and the Saw Creek Staff. Likewise our great Community Volunteers.

All these individuals contribute to making Saw Creek a great place to live!

PROPANE: Like electric, you should research propane dealers in our area.

Some provide new customer incentives, give community discounts, or offer monthly budget plans.

Some have lower rates if you own your propane tank. Some have discounts with pre-buy agreements, whereby you pay up front for 500/1000 gallons which they will deliver as you need it.

If your home is all electric there may be some savings by converting to heating portions of your home with propane. You should weigh your decision on the cost to convert and when will you recoup that cost.

Here are some recent comparisons rates. These rates are subject to change.

Most importantly, I must thank my wonderful wife Sandy, for her patience, understanding, and support during these past six (6) years. Thank You Dear!

I plan to continue serving the Board and the Community as needed. I will be at the Board and Committee meetings not as a Director, but in the audience as a concerned Association Member.

Heller’s Gas

570-664-7162 $2.39/gal with a cap of $2.79/gal

Amerigas

800-729-2961 $2.46/gal cap is $1.15 over their cost,( currently $ 1.31

I wish the new Saw Creek Board wisdom, patience, understanding, and common sense when making their decisions. Good Luck to all!

Modern Propane

570-620-9982 $2.78/gal no cap given, but have new customer rate.

Robert Palmer

Remember, it pays to shop.

Bob Shrekgast

To The Editor: Saw Creek Community I am appalled at the idea of murdering deer for absolutely no reason at all. Since people have stopped feeding the deer they have left the area. I rarely see deer near my house anymore.

The idea of spending money on killing deer merely because some owners think the deer are eating the vegetation is absurd. I do not want any of the money I pay for dues to be spent on such a horrendous act. Another analysis should be performed. I am certain you will find that there are far fewer deer at Saw Creek than when the first analysis was conducted.

Other alternatives should be considered first, such as birth control. If people want gardens then appropriate fences can be considered. Although we did not have the majority vote there are enough owners who are unhappy with this decision. I think it should be postponed at the present time. There really is absolutely no apparent reason to go ahead with spending the community's money on something that so many people disagree with. We do not believe in murder of any kind.

We will deduct the money from our member dues if Saw Creek goes ahead with this.

Anna Benjamin and Felicia Gironda

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BUDGET

5. When a check representing any payment due is returned unpaid by the bank, the member shall pay a $25.00 charge to the Association.

SPECIAL PAYMENT SCHEDULES

Assessments Payment And Collection Policy Revised Date: 10/08/2012 The following describes the Association’s policy and procedures to collect annual assessments. The protective covenants and bylaws provide the authority to establish annual assessments, special assessments, fees, fines and other member obligations and to undertake collection actions when necessary and appropriate.

1. Annual assessments are due and payable in one installment no later than January 15th of each year, per Bylaws Article VIII — §G (3). To avoid late fees and interest, payment in full must be received in the Member Services Office no later than February 15th.

The Association is not responsible for lost, delayed or misdirected mail.

2. After February 15th, members may request a Delinquent Payment Agreement which shall be subject to the terms and conditions described herein under the heading DELINQUENT PAYMENT AGREEMENTS. 3. On February 16th a 10% late fee and simple

interest at an annual rate of 15% shall be applied to all delinquent accounts. A Delinquent Notice will be sent requiring payment in 30 days.

4. On March 16th, letters shall be mailed (certificate of mailing) demanding payment in full within 15 days. If full payment is not received within 15 days, the Association will without further notice, take all necessary actions permitted by law to collect all outstanding debts owed to the Association. Such actions may include but are not limited to: a. Filing a claim with the District Magistrate or PA Court of Common Pleas to obtain a judgment for all amounts owed, including but not limited to court costs, attorney fees and cost of collections. b. File for the sale of the member’s real or personal property by the County Sheriff ’s Office. c. Foreclose upon the Association’s automatically perfected statutory lien under the PA Uniform Planned Communities Act. d. Being sent to an outside Collection Agency.

Special Payment Schedules are limited to the following and subject to approval by the Accounting Department and/or General Manager.

• 6-month Installment Plan (February – July) • Delinquent Payment Agreement 6 MONTH - INSTALLMENT PLAN 1. The following minimum requirements must be met in order to be eligible to participate in an approved Installment Plan. a. You must be a Member in Good Standing. All prior year balances, including citations, fines and other fees must be paid in full before you may apply for an installment plan. b. Your Installment Plan application must be delivered or mailed so that it is received at the Member Services Office no later than February 15th. The applicable fee (see 2 below) must accompany each application. c. You accept full responsibility for the timeliness and completeness of your application. The Association is not responsible for lost, delayed or misdirected mail.

2. Applicable fees are: $25 for applications received by January 15th or $50 for applications received Jan. 16th through Feb. 15th (1st installment payment may also be required for approval.)

3. Payment coupons will be mailed to the owners’ address of record that is currently on file with the Association.

4. Payment of principal and interest (15% APR) will be made in equal monthly installments and due no later than the 15th of each month. Members may pre-pay at any time.

5. No reminder letters will be sent. If payments are not received when due, late fees will be added to the account balance.

6. The following shall apply to members who fail to make timely payments on an Installment Plan: a. Late Payment: A five dollar ($5.00) late fee will be charged for any payment neither postmarked nor received by the due date. b. 30 days past due: A Notice of Default will be mailed and the total account balance including interest, late fees and other charges shall become immediately due and payable within 30 days. If payment is not received within 30 days, the Association will without further notice, take all necessary actions permitted by law to collect all outstanding debts owed to the Association. c. Installment Plans in default (30 days past due): Your account will be charged the full 10% late fee applicable to delinquent accounts. d. The member shall be deemed to be Not in Good Standing and will forfeit all the rights and privileges normally reserved for Members in Good Standing.

DELINQUENT PAYMENT AGREEMENTS For Settlement of All Delinquent Accounts: 1. The member agrees that the Delinquent Payment Agreement will be approved or denied at the sole discretion of the Accounting Department and/or General Manager and subject to the following terms and conditions: a. The initial payment shall be 25% of the total balance due. b. Payment of the remaining balance of principal and interest (15% APR) shall be made in not more than twelve (12) equal monthly installments, due no later than the 15th of each month. Members may pre-pay at any time. c. All future assessments, fines and other charges or fees shall be due and payable in full by their due date.

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d. No amenity passes shall be issued. Temporary amenity passes may be purchased. e. In the event the owner(s) breach any term of the agreement, including but not limited to failing to make any future payment when due, then the entire balance of the amounts owed under this agreement shall at once become due and payable at the option of the Association, without notice of demand. f. The member(s) acknowledge that they are deemed to be Not in Good Standing and shall forfeit all the rights and privileges normally reserved for Members in Good Standing. g. All deeded owners of the subject property must sign and agree to be jointly and severally bound by the agreement Excerpt from PROTECTIVE COVENANTS #8 The Grantees [Owners], their heirs, executors, administrators, successors or assigns agree to pay to Grantor [SCECA], its successors or assigns such annual fee for maintenance of roads and recreational facilities which may be assessed from time to time.

Excerpt from the BYLAWS Article II— Section E All members shall: 1. Comply with the Covenants, Articles of Incorporation, Bylaws, and Rules of the Association, the Community legal documents.

2. Be responsible that the member’s family members, guests, tenants, contractors and other invitees shall comply with the Community legal documents.

3. Pay all assessments, special assessments, fees, fines and other obligations to the Association timely.

4. Be responsible for all damage to Common Facilities or to other owners’ property caused by the member, the member’s family, guests, tenants, contractors or other invitees.

Excerpt from the BYLAWS ARTICLE VIII—SECTION G Assessments Annual common expense assessments shall be set by the Board. Assessments shall be charged uniformly per lot or unit as described below. Two adjoining lots which have been legally merged by a recorded subdivision plan shall thereafter be treated as one lot. Annual assessments are intended to support the annual Budget, after considering all outlays, both operating and capital, non-assessment income and other available funds.

1. The common expense assessment per unimproved lot shall be called the basic assessment and the assessment per improved lot shall be called the residential assessment. The basic assessment and the residential assessment are established by the Board and shall be equal, unless these Bylaws are later amended by the members. The aggregate sum of all currently collectible assessments and anticipated income must equal the net revenue needed to fund the annual Budget. The owners of Mill Pond units shall also pay an additional assessment related exclusively to the units and common facilities in Mill Pond.

payments received for assessments earlier than the due date. Assessments shall be delinquent if not paid within 30 days after the due date. The Board may impose a one-time late fee for delinquent assessments, and an annual interest rate of 15% per year, which interest shall continue until all charges are paid in full. Interest applies also to any delinquencies by members under special payment schedules. All owners shall remain responsible for payment despite the owners’ failure to use the Common Facilities or by abandonment of the lot or unit. The Treasurer shall provide to the Board a Quarterly Delinquency Report listing members delinquent during the prior quarter and

current delinquents, plus the status of collection of the delinquent accounts.

Excerpt from the BYLAWS ARTICLE VIII—SECTION H Delinquent Accounts The Association may bring suit to collect any delinquent account and also may enforce the Association’s right to foreclose on its statutory lien on the lot or unit in question. The Association should also collect all charges for interest, late charges, cost of collection and attorney’s fees as permitted by statute.

2015 Annual Assessments General Information DUE DATE: JANUARY 15, 2015 The accounting department at Saw Creek Estates maintains the property owner dues, charges, fees, interest and payments. To assist us in keeping your accounting history correct, the following is recommended: 1. Check your name and address for any errors. If errors are found, please provide changes in writing to Member Services.

2. When making payments, include the lot and section number on your check or money order.

3. When writing your check verify the dollar amount that is handwritten matches the digits put in for the amount of the check.

Annual Dues Accounting Cycle

January The annual dues are charged to your account, to be effective on January 1st. On January 15th your annual dues are to be paid or a payment plan application and appropriate fee are to be submitted.

A late notice will be mailed after January 16th, reminding you that if payment is not received by February 15th a late fee of 10% will be applied.

February The annual dues payment or the first payment of the payment plan is due by February 15th, to avoid any interest, late fee and gate card deactivation. On February 16th a 10% late fee will be charged on all accounts with a delinquent balance and gate cards will be deactivated, unless you are on an approved payment plan. After February 16th a delinquent notice will be mailed to all owners with a balance due. Excluding, those owners who are on the approved payment plan. On February 28th, annual interest at the rate of 15%, for 13 days, will be charged to all accounts with a balance due.

April A final notice will be mailed to all owners who are delinquent on their account.

May – November Collections process will occur, such as sending to a collection agency or filing a judgment.

Applicable collection fees incurred will be charged to the property owner.

December The annual dues invoices for the next year will be mailed by December 15th to all owners of record.

Monthly Annual interest of 15% will be charged on balances due at the end of each month.

REMINDER: Check and debit card are the preferred method of payment for Association assessments.

2. Special assessments may be used with Board approval to cover unbudgeted spending that otherwise is not provided for in the Budget including but not limited to approved overspending on budgeted line items, and unusual or non-recurring special projects or services.

Special assessments shall not exceed 5 % of the total Association Budget in any fiscal year without approval of a majority of the members in good standing voting at a meeting called for that purpose.

3. Annual bills should be mailed to members prior to December 15th. Unless otherwise decided by the Board, assessments shall be payable in one installment on January 15th. The Board may grant a discount for SAW

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BUDGET Proposed 2015 Operating Budget 2015Operating OperatingBudget Budget 2015

Operating OperatingAssessment Assessment Capital Reserve Capital ReserveAssessment Assessment 2015 2015Annual Annual Assessment Assessment

2014 Budget

2014 Budget

$ $ $ $

1,348 1,348 131 1,479

2015 Budget

2015 Budget

$ $ $ $ $$

1,424 1,424 55 55 1,479.00 1,479

DUES & FEES

3,439,301 120,000 400 55,000 17,000 5,000 4,000 61,000 25,000 17,500

3,542,390 130,000 250 55,000 16,500 8,000 4,000 60,000 25,000 13,000

3,744,201

3,854,140

11,000 8,000 13,000 1,000 15,000 1,000 20,000 1,500 66,000 17,700 16,700 25,000

12,000 8,000 13,000 800 15,000 700 23,000 1,500 68,000 17,700 15,900 1,000 13,000

195,900

189,600

06496-000 Ski Rental/Tech Service Income

9,000 9,000 11,000 26,000

6,500 10,000 15,000 24,000

Recreation Income

55,000

55,500

3,995,101

4,099,240

06305-000 Annual Dues Assessments 06306-000 Prior Dues Assessments 06335-000 Owner NSF Fees 06340-000 Owner Late Fee Income 06345-000 Owner Payment Plan Fee 06370-000 Owner Collection Costs 06380-000 Owner Admin. Fees Income 06390-000 Owner Interest Income 06327-000 Code Enforcement Fines 06460-000 Citation Income Dues & Fees Income ADMINISTRATIVE 06420-000 Badge Income 06425-000 Renters Registration 06430-000 Gate Card Income 06450-000 Income from Statements 06921-000 Bulk Dumping Owner Receipts 06440-000 Building Permit Income 06485-000 Resale Certificate Fees 06360-000 Misc. Income 06410-000 Blue Ridge Cable Franchise 06920-000 The Falls-Gate Income 06530-000 Rental Income - Cellular 06820-000 Interest Income Operating 06821-000 Interest - Investment Account Administrative Income RECREATION 06490-000 Facilities Rental 06491-000 Recreation Activities Income 06495-000 Ski Ticket/Lesson Income

TOTAL INCOME EXPENSES: SAW

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ADMINISTRATIVE NEWS

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07114-100 Gate Card Expenses

07115-100 Badge Expenses

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4,000 1,500

4,000 2,000

Proposed 2015 Operating Budget (continued) 3,995,101

4,099,240

4,000 1,500 9,000 11,000 6,400 1,000 700 14,800 2,600 300 3,000 500 45,000

4,000 2,000 9,000 11,000 6,400 500 500 17,000 2,600 300 3,000 500 45,000

99,800

101,800

1,800 20,000 25,000 1,000 18,000 53,000 18,000 2,000 500 2,000 500 8,000 0 286,000

2,000 24,000 16,000 1,000 7,500 55,000 18,000 1,000 100 500 6,000 300 320,100

General & Professional Exp.

435,800

451,500

Administrative & General Exp

535,600

553,300

2,000 1,000 7,500 12,500 4,000

2,500 1,000 7,500 12,500 2,000

TOTAL INCOME EXPENSES: ADMINISTRATIVE 07114-100 Gate Card Expenses 07115-100 Badge Expenses 07320-000 Office Supplies 07400-000 Printing & Reproduction 07460-000 Meeting Expenses 07410-000 Travel & Entertainment 07440-000 BOD Reimbursable Exp 07260-000 Postage & Mail 07171-100 Postage Meter Rental 07177-100 Federal Express 07113-100 Copier Service Contract 07118-100 Miscellaneous Expenses 07170-000 Collection Expense Administrative Expenses GENERAL & PROFESSIONAL 07250-000 Bank Charges Operating 07255-000 Credit Card Processing 07181-100 IT-Technology 07300-000 Dues & Subscriptions 07150-000 Professional Consulting Fees 07160-000 Legal Fees 07020-000 Accounting Fees 07350-000 Advertising - Bids 07251-000 Licenses & Permits 07420-000 Property Taxes 07202-000 Code Enforcement Exp 07430-000 Federal Income Tax 07432-000 Investment Account Fees 07280-000 Insurance Commercial

RECREATION 08015-000 Rec. - Training 08020-000 Recreation -Dues & Sub 08025-000 Recreation Supplies 08026-000 Recreation Events 08040-000 Rec. - Sports Equipment

Continued on page 16 SAW

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Proposed 2015 Operating Budget (continued) 4,500 800 8,500

4,500 800 7,300

40,800

38,100

2,500 1,100 1,300 4,000 7,500 13,000 4,000

2,500 1,000 300 4,000 5,000 13,500 4,000

Ski Expenses

33,400

30,300

Total Recreation Expense

74,200

68,400

368,900 35,700 58,800

421,800 40,440 94,000

463,400

556,240

08700-006 Ski Snow Blowers Pyrll Taxes

269,600 22,000 25,000 32,500 22,000 5,400 4,900

273,300 22,300 25,000 37,200 18,000 3,300 4,900

Recreation Payroll

381,400

384,000

694,800 31,300 75,800 62,600

694,600 25,000 77,000 64,000

Public Safety Payroll

864,500

860,600

08650-000 Maintenance Salary

372,800

372,800

08050-000 Recreation - Fitness Center 08740-000 Recreation Uniforms 08040-001 Janitorial/Cleaning Supplies Recreation Expense SKI EXPENSE 08400-000 Ski Shop Operating Exp 08408-000 First Aid Supplies 08409-000 Ski - Hay 08410-000 Ski Facility Repairs 08430-000 Snow Mobile & Groomer Exp 08470-000 Ski Snow Making Electric 08480-000 Ski Inspections

PAYROLL 08610-000 Admin. Office/Mgt Wages 08700-002 Admin. P/R Tax Expense 08750-002 Admin. Employee Benefits Administrative Payroll 08635-000 Recreation Payroll 08638-000 Ski Shop Wages 08639-000 Ski Snow Blowers 08700-003 Rec. P/R Tax Expense 08750-003 Rec. Employee Benefits 08700-005 Ski Shop PR Taxes

08640-000 Public Safety Department 08641-000 Public Safety OT 08700-004 Public Safety Tax Exp 08750-004 Public Safety Emp. Benefits

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Proposed 2015 Operating Budget (continued) 25,000 37,500 37,400

25,000 36,500 70,000

472,700

504,300

16,000 7,000 1,000 500 3,000 13,500

16,000 7,000 1,000 500 3,500 11,000

41,000

39,000

2,223,001

2,344,140

1,000 11,200 5,000 9,000 7,000 25,000 4,000 1,300

1,000 13,400 5,000 6,500 7,500 25,000 4,000 1,300

63,500

63,700

85,000 36,500 80,000 18,000 15,000 195,000

75,000 40,000 75,000 20,000 16,000 190,000

429,500

416,000

20,500 10,000 2,000

20,500 10,000 2,000

32,500

32,500

08650-001 Maintenance Overtime 08700-001 Maint. P/R Tax Expense 08750-001 Maint. Employee Benefits Maintenance Payroll HUMAN RESOURSES 07143-100 Payroll Service 07310-000 Training & Professional Dev. 07340-000 Advertising - General 08770-000 EH&S Compliance 08780-000 Employee Retention 08790-000 Simple IRA Expense Other Payroll Expense Total Payroll Expense PUBLIC SAFETY 07125-000 Alarm Monitoring 09155-000 Life-Safety/Security/CCTV Ma 09665-000 Pub Safety Expense/Equip 09050-000 Public Safety Vehicles R&M 09658-000 Public Safety Uniforms 09660-000 Public Safety Fuel 09668-000 Public Safety Training 09670-000 Community Relations/Outreach Public Safety Exp UTILITIES 08900-000 Electric 08930-000 Water & Sewer 08950-000 Utilities - Gas 07270-000 Telephone Expense 09630-000 Internet Service 09700-000 Waste/Recycling & Compactor Utilities Expense POOL EXPENSE 08210-000 Pool Contract-Service & Chem.

08220-000 Pool Repairs 08240-000 Pool Supplies Pool Expense

Continued on page 18

GROUNDS

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08510-000 Lake & Grounds

08590-000 Beautification/Landscaping

NEWS

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41,600 11,500

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41,600 11,500

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Proposed 2015 Operating Budget (continued) 32,500

32,500

41,600 11,500 60,000 (60,000)

41,600 11,500 48,400 (48,400)

53,100

53,100

09220-000 Maint. Licenses & Permits

22,000 1,600 600 1,500 4,000 20,000 35,000 2,500

20,000 2,000 600 1,500 2,000 22,000 36,000 2,500

General Maintenance Exp

87,200

86,600

09116-000 Parking lots/Lines/Signs

35,000 2,000 250,000 10,000

40,000 2,000 250,000 5,000

Road Maintenance Exp

297,000

297,000

27,000 10,000 3,000 4,000 3,500 2,000

20,000 10,000 4,500 4,000 3,500 2,500

49,500

44,500

433,700

428,100

150,000

140,000

150,000

140,000

3,995,101

4,099,240

Pool Expense

GROUNDS 08510-000 Lake & Grounds 08590-000 Beautification/Landscaping 08598-000 Environmental(*) *Contingency Funded #8598-000 Grounds Expense MAINTENANCE EXPENSE 09250-000 Maintenance Supplies 09251-000 Maintenance Uniforms 09005-000 Maint. - Equipment Rental 09040-000 Mower/Tractor Exp 09041-000 Backhoe Expense 09030-000 Vehicle Maintenance 09045-000 Vehicle - Gas/Diesel

09020-000 Salt/Cinders 09025-000 Snow Removal Supplies 09115-000 Road Repair/ Storm Water

09130-000 Building Repairs 09140-000 HVAC Maintenance & Repairs 09160-000 Sewer Maintenance 09180-000 Plumbing Repairs - Common 09190-000 Electrical Repairs 09615-000 Exterminating Building Maintenance Total Maintenance TOW SUBSIDY 08385-000 Top of the World Restaurant Top of the World Subsidy TOTAL EXPENSES

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2015 Capital Proposed Budget

IN MEMORIAM JAMES ASHTON OCTOBER 3, 1940 – AUGUST 22, 2014 Jim’s long career included his employment as a superintendent of the Orleans Builders construction company. Unlike many who retire, Jim and his wife Jean worked tirelessly for the betterment of the community in which they retired to, Saw Creek Estates.

Jim not only worked part time at Shawnee Golf Resort but over the years volunteered on numerous committees in Saw Creek most recently the Building and Architecture committee.

Jim was one of the early Presidents of the Saw Creek Men’s Club. He was instrumental in the running of the annual golf outing fundraiser; the creation of the annual Scholarship fund drive; annual community picnic and the annual Bushkill picnic for club members. Jim started game night at the TOW which still runs to this day. Who can forget St. Patrick’s day at the TOW with Jim and his sidekick “SHAMUS” Jim was an avid golfer. He not only gave club members tips on golf but on the ponies as well. Trips to OTB were always enlightening with Jim. Although we all feel somewhat helpless, as long as we remember Jim, tell stories about our experiences with Jim, he will remain with us.

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Treasurer's Report August 2014 Operating Account Total Operating Income for the month of August, 2014 Dues Income: $36,793.00 Other Income: $55,450.00

$

92,243.00

Total operating Expense for the month of August, 2014

$

327,989.00

Current year dues collected

$ 3,535,035.00

Collection rate: 81.60%

Variation from prior yr: -1.69

Total Operating Income for the year Total Operating Expense for the year

Coll. Rate on Bud. Amount: 93.68% (91.96% of budgeted) (61.43% of budgeted)

(97% of 2014 anticipated amount)

Prior year dues collected:

Operating Cash on Hand: Checking/Current Account: M/L Investments:

$ 143,145.00 $ 2,204,541.00

$ 3,673,714.00 $ 2,490,857.00 $

121,640.00

$ 2,347,686.00

Capital Account Total Capital Income for the month of August, 2014 Total Capital expense for the Month of August, 2014

$

26,912.00 $57,240.00

Total Capital Reserve Income for the year Total Capital Reserve expense for the year

$ $

468,243.00 529,398.00

Capital Reserve Cash on Hand: Checking/Current Account: M/L Investments:

Total amount oustanding to the Association: Total write off for the Month of August, 2014: Foreclosures, Bakruptcy, tax sales etc..

Other

$ 280,286.00 $ 2,868,553.00

$ 131,710.00 $ 9,054.00

Total write off for the year: Charges and Fees added for August: $42,016.00

Total added for the year:

This report is for the month of August 2014 based on information as of 9/11/14.

Respectfully Submitted, John Mathew, Treasurer

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$ 3,148,839.00

$ 4,886,144.00 $ 140,764.00

$

561,591.00

$

253,638.00

COMMITTEES Women’s Club News

Having Financial Trouble?

Call Rep. Rosemary Brown’s Office

Robyn Long, Board Liaison to Appeals Committee Get ready for an exciting year! Our Vice President, Priscilla Rasmussen, has been working very hard planning our upcoming events. Our first trip will be to a local vineyard and will include a pizza-making class, where we will each be making our own individual pizzas to have for lunch. There is nothing better than spending an afternoon out with friends, wine and pizza! We will also be deciding which local charities we will be making donations to this year. We have a holiday lunch planned at Peppe's Italian Restaurant in East Stroudsburg and our annual Christmas dinner/dance will be held at Pub 570.

Our book club will be discussing our summer read and planning which books to read in the upcoming months. We will also have our 2nd annual "baby shower" where we will donate baby clothes and other infant items to Angel's Closet, which is a local organization that helps supply items to families in need.

The Women's Club meets the first Thursday of the month (except July and August) and our next meeting will be on Thursday, September 4th at 12:30 in the Mountain Room at The Top. Our yearly membership dues are $25. If you are interested in becoming part of the Saw Creek's Women's Club, please come and join us. We will have a light lunch and socialize, meet new friends and hold a business meeting to plan club activities.

Appeals Committee 2013/14 Annual Report Robert Palmer, Appeals Committee The Appeals Committee consists of 9 Association Members (Property Owners) appointed

5 Hearings were found Guilty and were assessed Administrative Fees only.

By the Board. Also Association Administration & Public Safety Staff assigned By the General Manager. Plus a Board Director designated as the Board’ Liaison to the committee.

4 Hearings were found Not Guilty.

From 7/1/13 to 6/30/14 the Appeals Committee conducted 9 Hearing Meetings.

have given to the Committee during the past year.

A job well done by all.

I personally thank all the members of the Appeals Committee for the time and effort they

Representative Rosemary Brown is encouraging residents who are experiencing strong financial concerns to contact our district office in East Stroudsburg for resources that may help to control possible devastating results.

Representative Brown’s staff and I will work to help anyone in this situation, but residents who need help must contact our office early, to be guided to appropriate counseling and services. The phone number is 570-420-8301. Please call today if we can help.

There were a Total of 66 individual Appeal Hearings.

There were 41 Motor Vehicle Violations including citations for Reckless Driving, Careless Driving, Speeding, Stops Signs, Failure to Comply, Illegal Parking, Handicap Parking, Obstructing Roadway, Stopping /Unloading, and Motor Vehicle Documents.

There were 16 Community, Facilities, Amenities, Health & Safety Violations that included citations for Harassment, Physical Abuse, Disorderly Conduct, Property Damage, Illegal Dumping, and Loose/Barking Dogs.

Also, 9 Property Code Violations consisting of Vehicles, Trash/Debris, Culverts, Swales, Driveways, Roofs, Signs, and Fence citations.

Again, there were a Total of 66 individual Appeal Hearings held during the prior year.

57 Hearings were found Guilty (including No Shows). They were assessed Fines and Administrative Fees.

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Beautification News Yearly update

By Phil Cozzi, Chairperson First and foremost, I would like to start by thanking the crew from Regina Farms who is responsible for keeping up the appearance of our entire community. They are extremely professional and have a fine working relationship with us. Starting late in the fall, we can see them cleaning up shrub beds, cutting down decorative grasses, and removing leaves and debris, so that when spring comes the community starts out looking its best. The new year brings the addition of new mulch to all the planting beds as well as new plant material for the many projects planned for the year.

This year the Beautification Committee reached one of its goals and that was to replace the stacked stone edging around all of the planting beds throughout the community. It was very difficult to maintain those areas, so we went about the task of replacing the stacked stone with decorative block which was in keeping with the look of the planting beds at our main gate and Kirkham Gate, thus giving the entire community a more cohesive look. The planting beds at the Smithfield Bridge, Millpond Amenity, and the approach to the Top of the World Complex have all been redone. New plant material has gone on the Smithfield planting bed, with Millpond and the Top of the World soon to follow. In addition, we have added three King Crimson Maples to the picnic area down by the softball field; hopefully, as these trees grow, members can enjoy their picnics in more comfort.

The Beautification Committee continues to be involved in the planning and executing of all capital projects. We were involved in the replacement of rugs at the TOW Restaurant as well as the selection of porcelain tile for the vestibule and main hallway in the restaurant. We have worked closely with the Building & Architectural Committee as well as the Finance Committee throughout the entire renovation of our Member Services Building. We would like to thank the Finance Committee, as well as our Board of Directors, for allowing some changes to the exterior of that building which we felt would contribute immensely to the overall look of that project, blending it in with the VIP park area. Once construction is completed on Member Services, work will begin on the new landscaping for that site.

We want to remind the community of our House Appeal Contest. The deadline for applications will be September 30th. Applications can be picked up at Member Services. We have reworked our application for this contest to include the total curb appeal of your home which would include any structural changes to your home as well as the landscaping of your property. Winners will be announced at the November BOD meeting Lastly, I would give special thanks to my committee members and volunteers for all of the help they gave during the events of these last few months. Without their help and support, we would not have accomplished all that has been done. If you are interested in joining the Beautification Committee or volunteering for special projects, please email me at beautification@sawcreek.org or call 570-588-0555.

Building & Architectural Committee

By David Stagg, Chairman The Building and Architectural Committee has had a very busy few months. There have been a lot of projects in the works. Some of the projects have been completed and some are still on going.

Below you will find a summarization of them..

Saunders’s Drive – Storm Water project was completed by Waco Construction Company in late 2013. The delay was due to the Water Company’s pipe replacement schedule. This delayed Waco Co. from completing the project sooner.

Line Striping – This project was completed, except for areas that are under construction. These areas will be done later this year.

Restroom Project – The two restrooms that are next to the Creek Room at the TOP were fully renovated in June.

Member Services Building Project – The Reception area was gutted and redesigned to better serve the Community and Membership.

This included repairing the termite damage that was done to the floor jounce, which needed to be replaced. The subfloor was also replaced.

The interior work was done by Jim Owens Construction Company. They did a great job on the interior. The work to the exterior of the building was done by Bestucco Company who also did a great job. The hardscaping of the area was done by John Siegel. They also did a great job.

The overall project was a big success.

Woodbridge Drive East Bridge Project – Kiley Engineering Company inspected, than drew up plans to repair the wing walls and abutments of the bridge. Leeward Company was awarded the project. The project is expected to take approximately 90 days to complete.

2014 Storm Water and Road Project - Seven areas have been slated for repair. Once the engineering design is completed the request for bids will go out to the Public.

TOW Restaurant has had new carpet and tiled installed.

Maintenance Storage Area –This area has been cleared of all of the dead trees and planning is in the works to screen this area with fencing and plants.

As you can see a lot of work is being done to keep our Community a Premier Community. One in which you can take great pride in living in.

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Safety Committee We’d like to recognize and thank our Safety Committee members- Bob Harter Chair, Suzanne Mark- Vice Chair, Emeka Enyosiobi, Marvin Hepburn, Katie Kalpin, Paula Swartzmann, and Board Liaison- Tom Soden.

We’d like to thank former Committee membersJohn Thompson- Chair, Kristina NeumannSecretary and Bud Richards.

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Explored the possibilities of providing classes in Saw Creek on safety issues, personal disaster planning, etc.

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Worked with Member Services to make available hard copies of the Pennsylvania Emergency Management Preparation Plan.

The Committee has continually requested a website link to this Plan.

Statement of purpose:

Bylaws of the Saw Creek Estates Homeowners Association Article VI- Committees; Section I. Safety CommitteeThe Safety Committee shall review Association matters related to the health, safety and security of the community and advise and recommend to the Board actions to be taken.

Investigated issue of waste and runoff as well as decaying animal carcasses at the trash dumps causing pollution flowing into Saw Creek and Mill Pond. Pictures and commentary were forwarded to the Building & Architecture Committee.

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Past Accomplishments

Recommended to the SCE Board a plan for an Ad Hoc Committee to be appointed by the SCE Board to develop a comprehensive Emergency Management Plan. The SCE Board deferred the Plan to a later date.

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The Committee has investigated concerns regarding:

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Met with the Public Safety Director- primary topic of Community Watch activities.

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Recommended TOW lighting at the northeast end of the parking area.

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Prepared a regular column on “Safety Tips” for every issue of the SCE newspaper.

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Discussed and clarified that there were safety and security mechanisms in the Member Services office.

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Participated with a booth of safety related information at the 2014 Community Day.

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Advised and coordinated with the Buildings & Architecture Committee to support the TOW ramping/chair lift project.

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Advised the Board on safety issues and concerns regarding the LED signs proposed in the 2014 budget.

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Communicated security concerns to Public Safety resulting in camera installation especially at the Fitness Center.

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Discussion continues of developing a National Night Out program to support and encourage community watch activities.

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Discussed food safety issues relevant to SCE supported food functions. The Committee would like to see all food functions be run through the TOP restaurant.

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Frequently discussed on speeders with communication of our concerns to Public Safety.

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Monitored of pool cleanliness.

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Discussed concerns of safety and insufficient snow plowing.

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Discussed concerns of excess underbrush as an igniter and fuel for fire. This concept is in contradiction to the deer management program which fosters underbrush recovery.

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Meet regularly to discuss safety issues, assess and research health, safety and security conditions and report to Management and Board suggesting items for improvement.

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Meet as needed with the Public Safety Director, other directors or Committee Chairs or designates for collaboration and coordination.

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Develop and monitor an effective Emergency Preparedness Plan for the Saw Creek Community.

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Develop and recommend health, safety and security rules, policies and procedures.

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Recommend health, safety and security training to be made available to the Community.

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Develop and suggest safety and security checklists and inspection formats for the Community.

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Create procedures, analyze data and make recommendations to advise Board and Management of problem corrections.

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Help make health, safety and security activities an integral part of the Association’s organization, culture and program operations.

Goals for 2013-2014 as outlined in the Committee’s Strategic Planning:

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Advise the Saw Creek Board of Directors on all aspects of health, safety and security issues and concerns.

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Recreation Committee Annual Report We wish to acknowledge Recreation Committee members- Darcie Ackerman- Vice Chair, Ida Matthews- Secretary, Rez Montgomery, Sandy Palmer, Sue Siravo, Alberta Tsolu, and Mike Campea- Board Liaison and George McCormickRecreation Director. Not only do they volunteer their time and talent on the Committee, but they are continually involved in volunteering in recreation programming operations. We also wish to acknowledge SCE Board members Bill Montgomery and Bob Palmer who consistently attended our meetings as private citizens and we sincerely appreciate their support.

Statement of purpose:

Bylaws of the Saw Creek Estates Homeowners Association

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This has been a year of comings and goings.

Recreation Director, Margie Gerstmann, departed after several years of service. George McCormick has taken her place. George has a degree in Recreation from East Stroudsburg University and considerable experience at the Hideaway Resort.

Steve Gottschau resigned his position a Chair do to work schedule conflicts. His dedication to the Committee is greatly respected. Fortunately he continues as one of our stalwart volunteers.

Vice Chair, Kristina Neumann stepped up to the plate as acting Chair until Suzanne Mark joined the Committee as Chair. Roseann Prasse and Darcie Ackerman were welcomed as new members. Kristina Neumann and Roseann Prasse resigned but have continued their dedication by remaining as active volunteers. Darcie succeeded Kristina as Vice Chair. Kathi Connell as Board Liaison stepped aside due to scheduling conflicts but remains an active program volunteer. Mike Campea was appointed as the new Board Liaison.

Past Accomplishments

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The Recreation Committee proudly supported Bushkill Outreach fundraising amounting to $1,649.

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This year’s fundraising organization is the BYA, Bushkill Youth Association. The first project was a car wash in conjunction with the Memorial Weekend Yard Sale. Fundraising activities continue tonight at Top of the World with a Blues, Brews and BarBQue starting at 7 pm

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Volunteers in our program have continued to grow in numbers and age range from 9 to 89.

Mike Condell who just celebrated his 89th SAW

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Provide to residents a wide variety of recreational opportunities as possible of both indoor and outdoor venues.

Thanks goes out to Darcie Ackerman for volunteering for weekly water aerobics sessions.

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Promote maximum utilization of recreation facilities and programs.

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Assist the Recreation staff and other Volunteers in the planning, implementation and evaluation of recreation programs, amenities and services.

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Encourage individuals to participate to develop friendships to promote a sense of community.

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Rez Montgomery continues her wonderful efforts with the youth tennis program.

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Thanks to Jessica VanDerVliet for her efforts continuing the weekly TOPS program.

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Special recognition to Kenneth and Connie Davis for their dedication to organizing the summer youth basketball.

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Special thanks to John Magnotti and Connie Baldassare for their tireless efforts in providing the Memorial Day Flag Raising and Veteran’s Day Celebrations, truly inspiring and moving experiences.

Encourage the development of opportunities, groups or programs separate but supportive to expand the leisure opportunities within the Community.

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The Committee continues to work with the Recreation staff in planning and evaluating program content.

Review and recommend to the Board activities and programs to work with various non-profit organizations that support the goals of the Saw Creek Community.

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Discussions have also pursued food safety issues and the need to run food functions through the TOP restaurant.

Insure that leisure opportunities within the greater Bushkill community do not duplicate efforts and encourage cooperation with other governmental and private organizations in expanding leisure opportunities.

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In conjunction with the Recreation department the Committee is pursuing ideas to enhance passive outdoor recreation experiences including a fitness trail at the Mill Pond, bike trail throughout the community and a scenic walking trail along Saw Creek.

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Assist the Member Services staff in welcoming programs and activities for new homeowners and encourage long term resident participation within the Community.

Article VI- Committees; Section K. Recreation Committee: The Recreation Committee shall recommend to the Board, rules and actions to enhance community recreation, cultural and special events, and nsewcomer welcoming activities, all including attention to interests of both youth and adults.

birthday is a regular and now lots of kids have also joined in helping with projects especially Clean Up Day.

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A Recreation Comment Card has been developed. It will act as a program evaluation tool as well as an instrument to recruit volunteers.

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The Recreation Committee participated in Community Day distributing information about recreation opportunities both in Saw Creek and the surrounding area.

Program volunteers are always needed. Please contact Member Services to be included on the email list. Applications for Committee membership are welcomed.

Goals as outline in our Strategic Planning program 2013-2014

The Committee worked with General Manager, Dave Martin to develop the following direction for the Strategic Plan.

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Serve as advisor to the Board of Directors on issues related to planning, funding and implementation of all community recreational activities, amenities and services.

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Review recreation programs and facilities in the community to determine additional needs, and submit recommendations pertaining to leisure opportunities including operating and capital budgets, guidelines, policies, user fees and charges to the Board of Directors.

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Insure that the programs and amenities provide a broad spectrum and balance of recreational, sports, cultural and arts opportunities.

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Rules and Regulations Report

Nominating Committee 2014 Annual Report

By Roseanne V. Prasse, Chairperson Hi Everyone,

7/19/2014 Bylaw Amendments In order for a bylaw amendment to pass 2/3 of all votes cast must be in favor of the amendment.

Proposed Bylaw Amendments 2014-1 Executive Officer Recall Article V Section G Board Executive Officer Recall Votes cast 511 Yes 332 No 179 Needed to pass 341 2014-2 Deer Management Article IV Section 3C Actions Requiring Members’ 2/3 Approval Votes cast 521 Yes 202 No 319 Needed to pass 348 There will be no changes to the Saw Creek Bylaws this year.

This is the first time Saw Creek has used electronic voting for the annual elections.

There were a few bumps in the road but overall it was well received. I heard everything from “About time. Best thing we ever did.” To “Election, what election”.

The Management Team, Board of Directors and I want to thank the Nominating Committee for their hard work and patience, Jessica VanDerVielt for fielding all the calls and inquiries at Member Services right up to the last minute, to all the members who took their time to cast their votes and especially thank the 2014 Board of Director Candidates for your service and commitment to the Community. THANK YOU!

Where has the summer gone! Were we not just looking at the budding trees and looking forward to the warmer outside activities? During this beautiful weather, we of the Rules Committee were very busy. There is an additional request from the Board of Directors, but at this time, we have not completed this task. As the saying goes: more to come and yet some can still be improved on! The Committee is always trying to update and define with the help of the Board of Directors and you the members.

All are welcomed to our meetings, which are held on the third Tuesday of each month in Members Services Office at 7:00PM.

• We have completed our Mission Statement, which is exactly our purpose as a Committee.

(2014 front page) • We presented to the Board of Directors what is our interpretations of: • Disorderly Conduct. (definitions-Page 2) • The mandatory posting of the "911 " signs. (page 9) • The No Feed Policy pertaining to the Wildlife (page 12) • Transferring of Seasonal Passes for Skiing. (page 13) • Disorderly Residence (page 18)

These additions can be found in the updated Rules and Regulations Document (2014) on our Website (also improved) and/or the old fashion way of calling the Members Service Office.

I would like to STRESS that you as a homeowner or renter can ask our Members Service office any questions that will assist you in making the RIGHT decisions when it comes to your property.

They are there to help us and they are happy to do so. I would also like to bring up the NEED for Volunteers. I have heard many reasons why individuals cannot join and some of them seem to be valid, but Committees are run in a Democratic way, we vote on when we meet, what time and who will be Chairperson, this is done or can be done on a yearly basis. This is your community, have a say in what goes on.

Board of Directors Election Results There were three seats open in this years election and the three candidates receiving the most votes will be seated here today and begin their 3 year term.

The results of the voting were: Votes cast 517 Joseph Salerno James Hidalgo Suzanne Mark Mike Campea Eda Dalfol Mark Pender

325 267 234 232 197 166

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Saw Creek Men’s Club

THE WHO, WHAT, WHERE OF THE SAW CREEK MEN’S CLUB?

By Peter Derrenbacher, Club President The Men’s Club helped sponsor the SCE community picnic again this year in conjunction with the recreation department on Saturday, June 21st at the VIP. It was a great day and well attended. Our members provided free hamburgers, hot dogs, salads, soda and water for all to enjoy.

Our annual golf outing at the Great Bear Golf Club on Monday, July 14th was a great success. Over 60 golfers played in a scramble followed by a luncheon at the Great Bear Club. This event is critical to our fundraising activity and allows the club to donate monies to local charities as well as helps to fund various events for our community most notably the annual community picnic.

Our club meets the first Thursday of every month at 6 PM in the Mountain Room, followed by snacks and beverages at the TOW. For more information, please contact Peter Derrenbacher, 570-588-7522.

A special thanks to the following individuals and companies who purchased tee box ads and/or gifts for this event. Please try and support these businesses.

The Big A Restaurant Lisa Baker – State Senator Alan & Michele Brower Rosemary Brown – State Representative Joe Casanova Engle-Hambright & Davies, Inc. For Your Health Medical Supply Kathi Connell Cramers Martin Daly Jim Danielson Peter & Barbara Derrenbacher Joe & Maria Doe Gem & Keystone Restaurant Heller’s Gas Inc. Kiley Associates Lehman Township Supervisors

Mohegan Sun - OTB Jim Owens General Construction Ray & Jackie Pace John Pierce RBC Wealth Management Regina Farms S/W Railriders Saw Creek Real Estate, LLC Sears Carpet & Air Duct Cleaning Bob & Lorraine Shrekgast John Sivick Travel Destinations – Maria Doe Wayne Bank Wayne’s Auto Body, Inc. William E. Owens & Co. CPA Young & Haros, LLC

First, our club is not supported by the association and not involved directly with your association other than we are homeowners who formed a club to provide members with both a social and civic focus.

Our club presently consists of 55 members. We meet the first Thursday of every month at 6PM in the Mountain Room for a half hour meeting followed by light refreshments at the Top of the World Restaurant.

Social activities include: Weekly discounted rates for golf at local courses (in season); Weekly discounted bowling (winter months); Trips to Scranton to see the SWB RailRiders; Sponsored events at the TOW including the annual “Beef and Beer”; Events at the State Theater in Easton, the Hunterdon Hills Playhouse, Shawnee Playhouse etc.; Annual Picnic at Bushkill Falls and Weekly Texas Hold’em tournaments at the TOW. Civic activities include: Fundraising for Scholarships for Saw Creek high school graduates planning to attend college; Donations to local charities and hospitals including Bushkill Outreach, Bushkill Emergency, Bushkill Volunteer Fire Co. and the Pocono Health Foundation; Sponsor annual Community Picnic providing free food and beverages to our residents; Sponsor free ski lessons to our young residents and assist with periodic SCE clean up days.

The only requirements to become a member are twenty one years of age and a resident of Saw Creek, Mill Pond or the Falls.

SUPPORT O UR A DV ERTISERS SHOP LOCA L!

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SCE EVENTS OUT & ABOUT EVENTS OUTSIDE OF OUR GATES

By Donna Dillon Oct 3 – 31st Hotel of Horrors – Lake House Hotel Old Rt 115, Saylorsburg – 992.3278 Oct 4th – 5th Fall Foliage on the Lake Lake Wallenpaupack, 2487 Rt 6, Hawley 226-3293 Oct 4th – 25th Learn About Wildlife – Bushkill Falls Rt 209, Bushkill – 588.6682 Oct 11th – 12th Autumn Timber Festival – Shawnee Mountain Hollow Rd, Shawnee on Delaware – 421.7231 Harvest & Heritage Days – Main St, Honesdale – 253.5492 Quiet Valley’s Harvest Festival 347 Quiet Valley Rd, Stroudsburg – 992.6161

Oct 18th Hawley Harvest Hoedown Keystone & Church St, Hawley – 226.4064 Autumn in Cornelia’s Gardens – Grey Towers 151 Grey Towers Dr, Milford – 2969630 Haunted Trail – Lehman Community Park Winona Falls Rd, Bushkill – 588-9365 Oct 18 – 19th Last Fling Pumpkin Sling Pocono Raceway, 500 Long Pond Rd, Long Pond – 908.283 .0721 Pocono Rood Truck Festival Shawnee Mountain – Hollow Rd, Shawnee on Delaware – 421.7231 Oct 18 – 26th Haunted Maze – Bushkill Falls – Rt 208, Bushkill – 588-6682

Nov 1st Hotel of Horrors – Lake House Hotel – Old Rt 115, Saylorsburg – 992.3278 Nov 1st-2nd Haunted Maze Bushkill Falls, Rt 208, Bushkill – 588-6682 Nov 8th Tannersville Bog Saturday Walk – Kettle Creek Environmental Center, 552 Cherry Lane Rd, Stroudsburg – 629.3061 Nov 9th River Ramble – DWGNRA Smithfield Beach, River Rd, Shawnee on Delaware – 424.6431 Nov 15th – 16th Art on the Mountain, Shawnee Mt Hollow Rd, Shawnee on Delaware – 800.233.4218 Nov 22nd – 23rd Great Brews Classic Beer Festival Split Rock Resort – 100 Moseywood Rd, Lake Harmony – 722.9111

Oct 12th Harvest Lake Stroll – Skytop Lodge Skytop, Pa – 345.7759

Oct 19th Tannersville Bog – Kettle Creek Environmental Education Center Tannersville – 629.3061

Oct 17th-19th Annual Black Bear Film Festival Milford Theatre, 252 Rt 6 & Rt 209, Milford – 409.0909

Oct 25th Haunted Trail – Lehman Community Park Winona Falls Rd, Bushkill – 588-9365

Dec 1st – 22 The Nutcracker – Shawnee Playhouse 552RiverRd, Shawnee on Delaware – 421.5093 Dec 5th – 20th A Christmas Peter Pan - Shawnee Playhouse – 552RiverRd, Shawnee on Delaware – 421.5093 Scrooge - Shawnee Playhouse, 552RiverRd, Shawnee on Delaware – 421.5093 Dec 6th – 14th Quiet Valley Old Time Christmas 347 Quiet Valley Rd, Stroudsburg – 992.6161 Dec 11th Cabarets – Holiday Favorites Shawnee Playhouse, 552RiverRd, Shawnee on Delaware – 421.5093 Dec 12th – 14th Hawley Winterfest – Main Ave, Hawley – 226.4064 Dec 14th Annual Holiday Artisans’ Market The Cooperage Project – 1030 Main St, Honesdale – 253-2020 Dec 22nd The Messiah 37th Annual Concert Shawnee Playhouse, 552RiverRd, Shawnee on Delaware – 421.5093

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SCE NEWS Saw Creek Welcomes Our New Homeowners

GOV ERNMENT A FFA IRS Ask Your U.S. Representative to Oppose HR 4969

Protect Your Association's Rules and Standards

The Public Information Committee decided to write a Homeowner Feature Article about our newest and unique homeowners: Bruce and Jeanette Gold. The Golds are very unusual in that they decided to move to Saw Creek after a long search for a new home along a large expanse of the Eastern Seaboard. The Golds decided to relocate to the East Coast from Portland, Oregon, a major decision and feat for most people.

The July introduction of H.R. 4969 by U.S. Rep. Adam Kinzinger (R-IL) continues to pose a significant threat to community associations by invalidating community association rules and architectural standards that govern the installation and use of amateur radio towers and antennas.

Please contact your member of the U.S. House of Representatives today to ask them:

The Golds’ main goal was to be close to their two daughters and grandchild who live in Boston and New Jersey.

They were searching for “nice and affordable places in which to retire”.

And they found the perfect place for what they wanted: affordable houses, beautiful, rustic topography and landscaping with a diversification of many types of birds and animals, and the wonderful and prodigious amount of amenities that any Community in this area could offer.

They found their dream home in Saw Creek Estates and could not be more ecstatic!

Bruce Gold has a PHd. in neuroscience and was researching a drug on immunotherapy and conducted studies on nerve regeneration and diabetic neuropathy and even attempted to start his own drug company while teaching at a University in Oregon. Jeanette Gold is a paraprofessional in applied academics and her experience is in special education for various conditions that afflict children.

It is also interesting to note that one of our resident’s father, a medical doctor specializing in internal medicine worked with Mr. Gold’s father, an MD. himself. What a small world!

The Golds negotiated a great price for their house, which needed much work. Mr. and Mrs. Gold worked tirelessly since they moved into their dream home in June, 2014 to renovate the house to their liking. It is a work in progress, but the work that they completed is outstanding. The house sits on a quiet cul de sac, which they love. They continue to find “treasures” buried in their yard and they have cut down the trees and will be buying a beautiful wood stove to highlight the living room of their house and will be utilizing the wood from the trees that needed to be cut down. The overall structure of the house is in great shape and now it is just a matter of time before each room is reconfigured and repaired to what they would consider perfection.

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Not to co-sponsor H.R. 4969

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Oppose H.R. 4969 if it comes up for a vote

Please act today! It is imperative that your voice is heard by your Member of Congress. Contact your member of the U.S. House of Representatives using the link below: http://www.capwiz.com/advocacycenter/ issues/alert/?alertid=63285871&type=CO We need your help to stop this legislation!

With congressional elections being less than two months away, your voice is more important than ever. All members of the U.S. House of Representatives are up for election in November so now is the time to tell your Representative how you feel about H.R. 4969!

H.R. 4969 is a highly controversial federal government intervention into the basic private contracts that establish and govern community associations without any demonstration of a clear and compelling national interest.

Congress should not attempt to rewrite association governing documents, which are private contracts authorized by state law and community association law. Governance should be established and enforced by state governments, not through congressional overreach.

On behalf of the 65 million people in America who choose to live in community associations, we must oppose H.R. 4969 to preserve the model of community that allows neighbors elected by neighbors to create and enforce covenants for the betterment of the community as a whole.

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Why vote?

Many people say Saw Creek is just like a small town and we are. We have our Board of Directors that the community members have elected. There are the 42 miles of roads that Saw Creek must maintain. Saw Creek has pools, tennis courts, basketball courts and parks. There are roads that have to be maintained, services that are offered and the upkeep of our community areas. Each and every one of us has a voice via our vote in our community. There are people who say "my vote doesn't matter." You are wrong, yes it does. You have a say in how the community is going to meet the future and what direction it takes when it gets there.

Do you want more of a say? Do you have an idea for something that would enrich the life of other Saw Creek residents? Attend one of the committee meetings as a homeowner so you can share your ideas and be in the know to what is going on in the community. You just may find you are interested enough to join a committee and be a louder voice. Maybe, just maybe, you will even find that running for the board and representing your fellow homeowners interests you. Our Board of Directors are some of our most dedicated volunteers. Say hi when you see one and ask his or her opinion on an issue that you are interested in. Respectfully share your side. These Board members are elected by us and in their positions to represent us-the home owners of Saw Creek. Use your vote...use your voice.

How Much Time Have You Invested?

There is a new country song out by Miranda Lambert. It is called Automatic. It talks about "the old days" when things had to be done by hand. A line reminds us that things are only worth as much time as we put in. How much time have you invested into your community? Remember back when people knew their neighbors and cared what happened to them? Remember respect? It is easy to go about our daily lives getting caught up in ourselves. I believe, in general, people have moved away from knowing their neighbors. Maybe not knowing them makes them less accountable. You do not have to be best friends with everyone on the block; just know who is on your block. Children should be encouraged to play outside. Adults should get out there and get to know who lives in the houses around you. There is less crime when neighbors get out and meet each other. If we all invest just an hour a week into our community; Saw Creek and every homeowner in our community would benefit.

Be Sa fe A round School Buses Motorists are reminded to use additional caution on roadways with school buses and other school transportation vehicles soon taking the road.

Pennsylvania law requires that motorists stop at least 10 feet away from school buses when their red lights are flashing and their stop arm extended. Motorists following or traveling alongside a school bus must also stop until the red lights have stopped flashing, the stop arm is withdrawn, and all children have reached safety. Do not proceed until all the children have reached a place of safety.

Penalties for failure to obey school bus safety laws can result in a $250 fine, five points on a driving record and a 60-day license suspension.

The recent conflict of opinions on deer have fractured our community. Each group brought to light many facts of what the deer were doing for or to our community. The fallout from this issue is that many people were a little over-zealous in the passion of their opinions and a few were somewhat disrespectful in the way they came across to others. Saw Creek is a wonderful place to live. We live in the best community, we are financially stable, have wonder homeowners, a staff that works hard to keep Saw Creek the best and we have the most amenities. I ask each and every one of you to consider what you can do to help our community. If you need a financial reason- the better Saw Creek's reputation- the better it is for our home values. Investing your time in Saw Creek pays all of us back.

How about becoming a volunteer in Saw Creek? Volunteering gives back to our community. It helps to keep cost of running events down. When you volunteer, you meet people who have the same interests as you and have the chance of developing enriching friendships. Saw Creek already has some pretty terrific volunteers, come out and join them and meet them. There are openings on some of the committees that help guide Saw Creek. This is a great position that allows you in to shape our community and where we are going in the future.

Saw Creek has some terrific events that are free and get the community out and socializing. Go work out at the gym, there are water aerobic classes to can join and the Recreation Department is looking to add some other exercise alternatives in the fall- so watch for details on those. Be sure to check the Saw Creek calendar for other events that may be going on. Just plan a few hours at the pool- you never know who you will meet there. Saw Creek has at least one pool open everyday throughout the year for you to utilize. Saw Creek has a Mens' club and a Womens' club. They have meetings, plan events and sometime go on trips throughout the year. Maybe, just take a walk and say hi to a neighbor.

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Saw Creek Men’s Club and Women’s Club Present Scholarship Awards Each year, the Saw Creek Men’s Club and the Saw Creek Women’s Club provide scholarship awards of $1,000 each to local high school students. Continuing that long-standing tradition of helping Saw Creek students achieve their academic goals, the Men’s Club and Women’s Club are proud to announce the five 2015 Scholarship Award winners.

Women’s Club President, Robyn Long presented one of this year’s Delores Danielson Memorial Scholarship Award to student Christopher Isolda. The memorial scholarships are made possible through the very generous support of Saw Creek resident Jim Danielson.

Peter Derrenbacher and Bill Montgomery were on hand to present this year’s Men’s Club awards. Students Mark Nyman and Kaitlyn Riley received Delores Danielson Memorial Scholarship awards. Kaitlyn has been accepted to Lockhaven University where she intends to pursue a degree in Health and Physical Education.

Mark will be attending West Chester University where he intends to major in English Education and Literature.

The Men’s Club presented additional scholarship awards to Jaelon Talley and Marcus Broussard. These scholarships were made possible through the annual fund raising efforts by Men’s Club members and the generosity of Saw Creek residents. Jaelon plans to major in Computer Science at Delaware State University.

Marcus will be attending Northampton Community College to study Biotech Engineering.

Congratulations and much success to these fine students and many thanks to the Men’s Club and Women’s Club members and the entire community for their continued generosity!

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From The Top Of The World Manager

Butternut Sq uash Soup

By George Gerhart, Restaurant Manager I would like to thank everyone for the warm welcome I received as the new Manager at the Top of the world. I look forward to giving great service, quality and value to the food and beverage department in addition to making it THE place in the Estates to be.

My team and I are working on some new and exciting events and menus to cover the wide variety of needs and desires of such a large community. I know from experience that it is up to YOU- the property owner, renter and guest to utilize all of the media and social media outlets that SCE and the Top of the World offer. We can only put it on the digital signs, face book, twitter, email blasts, the newsletter, (sometimes the radio) and dozens of flyers at multiple locations. I ask that as a community, we help let others who may not know what is going on at your GREAT amenities. I have visited and also worked at some communities and have over 30 years in the food and beverage industry, and I am honored to be a part of a team here that not only takes pride in the community, but also are 100% committed to the members. If we want to be the best, we ALL need to strive for the best, and as a community be the best.

I am lucky to have been left with an outstanding core staff at the Top of the World. If you have not been there in a while, consider checking us out. We are not perfect by any means, but we are a work in progress, and my standards are higher than most managers in the area. I am always ready to meet with anyone who needs to host a function, has an idea that could benefit the community, or has a reasonable request that they would possibly like to see in the future. Feel free to stop by and set up an appointment.

I would like to also announce that we are currently working on a new Banquet and catering menu as well as a “Parties to Go” menu. The “Parties to Go” menu will allow you to purchase half or full pans of food for your party and other items you may need to complete the ultimate function. Lastly, some good, fun, and different events are coming. Are you ready?

Fall Happenings At The Top We offer something for everyone Thursday through Monday at the Top of the World Restaurant.

M ondays are Family Game Night/ Adult Card Night/ and our new Monday Night Football club.

This is a fun night to come out and enjoy our value buffet, and play games with the family, or join in on the card games, or just experience Our Chefs’ great features and menu items.

With the cooler temperatures coming, you need something to warm you up. Try this recipe for Butternut Squash Soup. It is just what you need.

Ingredients: ¼ cup diced Onion 4Tblspn Butter 6 cups peeled and diced Butternut Squash 4 cups Chicken Stock 1/2tspn Poultry Seasoning 1/4tspn ground black pepper 1/8tspn Cayenne (optional) 1lb Cream Cheese cut into cubes Preparation: In large sauce pan, sauté onions in butter until they are tender. Add butternut squash, chicken stock, and seasonings.

Simmer till the squash is tender. Take the pot and pour carefully into you blender, add cream cheese cubes. Puree until it reaches a smooth, silky consistency. Place back into the pot and hold on a warm setting. Serve with a sprinkle of cinnamon on top and enjoy.

The Monday Night Football Club is our new addition to Mondays. The cost is $50.00 to become a member. This membership gives you 16 weeks of free kick off food, giveaways, mug, beer and drink specials, “blooper” specials, and a ticket for the 2015 Superbowl Party. In addition, every Monday you show up, your name will be entered in the raffle pool to win prizes during the superbowl party. So you potentially can have a minimum of 16 chances to win any of the gifts we will be raffling off. Stop in at the bar to reserve your spot. If you are not certain you can attend that many Mondays, you can enjoy all of the perks except the superbowl party ticket for $10.00 per Monday. Keep in mind that you can always enjoy the restaurant on Mondays without joining the Football Club, playing cards or games. Our first Monday night game was an awesome event with a 6 foot hoagie, lots of giveaways, and really cool blooper specials. ( for fumbles, field goals and other bloopers) Thursdays are our wing & Yuengs night and also Prime Rib Night. It has been a very busy night, so I suggest you arrive early, or call ahead at 570-588-6600.

Fridays Our now famous All you can eat Pasta bar. It is also Karaoke from 8pm to 11pm. Again, due to the popularity of this event, I suggest reservations.

Saturdays Chef Jeremy Greene and his team Offer up some great features for your culinary enjoyment. It is also a day when many of our events will take place.

Sundays What can I say about the Value of this day- $1.50 Tacos ALL DAY. We have both, Beef and Chicken Tacos, hard or soft Shells, and also offer 3 “$5.00” SPECIALTY TACOS- Fish Taco, Steak Taco, and the popular Chilled shrimp salad taco. It is Also FOOTBALL!!!! So Look for Game Night Specials as well.

Please check out our website, look towards our social media outlets and also our flyers for more information on these and many other added events coming for the remainder of 2015.

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GENERAL CONSTRUCTION & HOME IMPROVEMENTS FOUNDATION REPAIR CONCRETE SIDEWALKS PAVER SIDEWALKS REAL STONE WORK CULTURED STONE WORK CONCRETE STEPS LANDSCAPE BLOCK WALLS ALL TYPES OF CONCRETE REPAIRS FULLY INSURED SAW

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CUSTOM TILE WORK KITCHENS BATHROOMS PLUMBING FULL BASEMENT SHEET ROCK/SPACKLE ELECTRICAL WORK ALL TYPES OF HOME REPAIRS

PA LIC# 110818

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