Whisper ing P ines

Whispering Pines Volume 3, Issue 23

Available in color at www.Michaywé.com

Winter, 2013

Christmas Dinner Dance was Merry & Bright The annual Michaywé Christmas Dinner Dance was held on December 8, 2012 and was enjoyed by thirty couples dressed in all their glitz and glamour. Bonnie Kudej put her excellent organizational skills to work as the event chairperson. The tables were decorated in dramatic style with silver and black, designed by cochair Jan Harrington who was ably assisted by Nancy Valuet and Lynda Ford. Inn the Woods chef John Kaye and his staff served a wonderful dinner that started with a pear, walnut, blue cheese and spinach salad, followed by roast prime rib of beef, chicken picatta, tortellini primavera and accompaniments, and concluded with berry cobbler a la mode.

ways plays the best music to get everyone on their feet to dance. Karen and Bob Stimmel and Dennis Kudej assisted with the share the wealth program and awarded various prizes. A heartfelt Thank You to Bonnie and her hard working team members for providing a delightful evening of holiday merriment!

Larry Reichard came all the way from Florida to provide the evening’s entertainment. He al-

Right: Raya and Brent Hayduk were all smiles as they enjoyed their evening.

Help Wanted! Joe Shelly, the chief of the Otsego Lake Township fire department, is looking for fire and EMS personnel. You must have a valid driver’s license and pass a background check. Experience is preferred, but not required, and you must live in the township or the immediate area. Employees are paid by the call and training is provided. You may call Joe for more information on 989-732-1859 or email [email protected].

(See page 3 for additional photos.)

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VOLUME 3, ISSUE 23

Over 50 years of combined Real Estate sales in Michaywé We Live it! We Love it! We Sell it!

We have helped hundreds of your friends and neighbors buy and sell their Michaywé properties.

We list & sell Michaywé properties, and more Fred Smith Karen Jenks-Buhl than anyone else! Coldwell Banker consistently 989-939-8475 989-939-8251 participates in 60% of home sales in Michaywé 989-350-2003 cells 989-370-2880 each year. Why list with the rest [email protected] [email protected] when you can have the best?

On Site Office in the Michaywé Clubhouse, 1535 Opal Lake Road 989-939-7008 Call or Drop In Today! Visit On-Line www.CBGreatlakes.com

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Here are four of the 24 Michaywé homes sold by Coldwell Banker in 2012

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6704 Pebble Beach

Let us help you sell yours! Sold

7034 Meadowlark Way

VOLUME 3, ISSUE 23

WHISPERING PINES

Seen at the Christmas Dinner Dance

Clockwise from above: Harriet and Bobby Genberg, Tom and Jan Harrington, Janet and Carl Schluter, Duane and Barb Christie, Shirley and Ron McNeil Festive silver and black tablescape designed by Jan Harrington

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VOLUME 3, ISSUE 23

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Club House Holiday Decorating: Volunteer Fun Ever wonder how the Michaywé club house acquires its beautiful decorations for the holidays? Volunteers, of course! Twenty-nine great folks came to the club house before Thanksgiving to beautify our Inn the Woods restaurant, the club house lobby and our two large conference rooms. They dug through the boxes of decorations stored in the basement and put up several Christmas trees, hung ornaments, bows, and strings of lights, put the hand-painted ornaments on the huge tree in the lobby, and hung many wreaths, boughs and garlands. In early January, they came back to take down all those decorations and carefully pack them away for another year. Sue Symkowiak directed our team this past holiday. We thank her and all the volunteers who gave time and effort to beautify our club house: Chris Biallas, Lora Blank, Claudia Bryant, Mike Buckley, Duane Christie, Conrad Code, Diane Colliton, Harriet Genberg, Barbara Grieger, Mark and Sally Hall, Jan Harrington, Carol and Joe Houston, Kirk and Gina Olson, Huntley and Rose Robinson, Kathy and Chuck Roberts, Nan Robinson, Karen Stimmel, Ron Symkowiak, Nancy Valuet, and Ann Wilson. They were very able assisted by staff members Matt Kleinhuizen, Missy Witkowski and Mary Woodhouse. This year the decorations will be put up on Tuesday, November 19. Come and join us—it’s a great way to make friends and meet your neighbors!

Left: Harriet Genberg has the holiday spirit Above: Sue Symkowiak gets a charge out of decorating

Calling All Kids! As a new board member and a dad to two girls, I'd like to know what activities YOU would be interested in doing in Michaywé. Please drop off your ideas (5 per child) at the Michaywé Owners Association office in the clubhouse or leave them in the suggestion box right outside the office. Please add your name, phone number and age to your idea. The deadline is Friday, April 12, 2013. The winner of the best idea I select will receive a $25 gift card to our Inn the Woods restaurant. John Bissell MOA Board Member

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VOLUME 3, ISSUE 23

2012 Overview - Another Good Year of Performance Written by MOA Treasurer John Stellman My term as your Treasurer wraps up in several months and it has been an honor to work with the Michaywé Team and the community. My campaign goals were simple - use my business planning and restructuring skills to help place Michaywé on a stable footing to live within our means. I also pledged to make financial reporting simple for 'nonaccountants' to understand and to focus on facts and the root causes of problems and avoid opinions and speculation. If we are successful, home sales and property values will improve and new construction will return. Good progress has been made using a “fresh outlook.” Mike Buckley is completing his third year as Board President, and 5 of 6 remaining Board members (including myself) have been on the Board 3 years or less. Todd Chwatun, our General Manager, has implemented many positive changes to our business model and made necessary staffing changes. The volunteer team continues to make substantial contributions to save money. Numerous improvements to the facilities, grounds, and amenities have resulted in the place “never looking better”. Everything was accomplished in a very difficult economic environment, but much risk and work and opportunity remain to achieve our goal of long-term financial stability. (See article on page 18.)

Preliminary 2012 Financial Results The audit conducted by the independent public accounts will not be completed until April, but I think the following highlights of last year's performance will be validated in their report: Total Revenue was $2.1M, a slight increase from the prior year. About 40% of Revenue was derived from member dues, and about 60% from public revenue. For 2012, member dues remained at the $400 level established 10 years ago, and all amenities remained open and operative for our members to enjoy. Long-term debt at year end again decreased to $1.3M, the lowest since 2002. The replacement fund for future repairs increased to about $300K, a record level. Each year MOA pays the Pines Club legal entity a financial subsidy. The Pines Club represents the restaurant, the golf course, and provides the labor to maintain the ski trails, the beach, tennis courts, snow removal and overall MOA common grounds. The 2012 subsidy paid was $74K, which equates to $34 of your $400 annual dues payment. (In prior years this subsidy was well over $200, 0000.) Unpaid member dues was $129K, a $24K improvement from the prior year. About $57K of capital spending was made to improve our grounds and facilities. Cash on hand at year-end was $94K, compared to $79K for the prior year. Over 40 homes sold during 2012 and prices are increasing. In discussions with our new residents, the overwhelming consensus for purchasing in Michaywé is the broad base of amenities and activities at the low cost of $400 per year. All MOA members receive value from MOA's 'total community' appeal. Without the pools, the parks, the beach, golf, restaurant, ski trails, tennis and all the other community activities, Michaywé would be just another subdivision in the woods, located four miles from the highway and 10 miles from town. Our property values would certainly reflect this profile.

Congratulations to the Michaywé Team for another improved year of performance!

Whatever It Takes!

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MOA Collections Update During the past four and a half years we have worked very hard to collect from the delinquent Michaywé property owners who have failed to live up to their obligation to pay the annual dues. The effort to collect has been very successful to date with almost 500 small claims court cases filed and over $300,000 in delinquent dues collected (not including interest and fees). With all of this being said, there is still a sizeable amount that remains outstanding and we are committed to recovering as much of it as possible. You Can’t Afford NOT to Pay Your Dues! The majority of Michaywé property owners do an excellent job of paying their dues on time each and every year. We are very thankful for these owners and their support of the Association. By paying the dues on time, they not only remain members in good standing and keep our amenities in operation; but they avoid the extra expenses incurred as a result of becoming delinquent. Let’s look at the extra costs incurred by a property owner who becomes delinquent. An owner of a single property unit who pays exactly one year late: Annual Dues of $400 $8 late fee per month for one year $96 7% interest charged per the MOA Bylaws for one year $28 Lien Fee imposed to file a lien protecting MOA’s interest in the property $20 Small Claims Court Filing Fee of $36 for single owner -or- $47 for two owners Release of Lien Fee if paid in full at any time after the lien is filed $20 TOTAL AMOUNT DUE AFTER ONE YEAR = $615 This is a whopping 154% of the original $400 dues! The example above does not include the additional costs of: the time and expense of appearing in court potential financial issues when a court judgment appears on your credit report your inability to vote in MOA elections or use the amenities because you are not in good standing your inability to sell your property with liens filed against it If you are delinquent with your dues payments, this can all be easily avoided. We offer a variety of payment options that will keep you out of the collections program. All you have to do is contact us to make arrangements and stick to the plan once arrangements are made. We will be very pleased to help you bring your account current! MOA Has a Court Judgment – What happens next? Once we sue a delinquent owner in court and receive a judgment from the court, our effort to collect does not end. In addition to the money judgment, the continuing escalation of the amount you owe, the liens filed against your property, and the potential credit report impact, we will take more serious steps to recover the amount due. A money judgment gives us the ability to take you to court for a creditor’s exam. This will require your appearance in court to supply us with information such as tax returns, payroll records, banking statements, and other items to aid us in collecting. We may also garnish your bank accounts or tax returns to satisfy the judgment. Another option that we have begun to pursue aggressively is the court order to seize property. You may have been able to disregard our actions up to this point, but you can’t ignore a county sheriff at your door. They will collect either a payment in full or seize an item of value – such as your car, boat, RV, etc. - that can be sold to satisfy the judgment. There are sheriff seizures taking place on MOA’s behalf right now. Again, we would certainly prefer not to use these extreme measures, but we will doggedly pursue every delinquency until we receive payment in full when an owner makes the choice not to pay their dues. Todd Chwatun – General Manager: 989-939-8919 -or- [email protected]

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VOLUME 3, ISSUE 23

Please Talk to Us First... If you have Michaywé issues and need advice or assistance, please contact your General Manager, Todd Chwatun, at 989-939-8919 or [email protected]. It is important to note that in many cases the GM may need time to research the facts pertaining to the issue in order to best assist you. In some cases it may even be necessary for the GM to discuss the issue with the Board.

to present it to the Board confidentially, you are able to be placed on the agenda of a regularly scheduled executive session meeting. The MOA Board meets in executive session prior to every regularly scheduled open session meeting. If this is your wish, please contact the General Manager or any Director to request such a meeting.

You also have the option of presenting your issue directly to the Board by attending a regularly scheduled Board Meeting and addressing the Board during the Open Forum. Keep in mind that the Open Forum is open to all MOA Members, so your issue will not be confidential. Furthermore, your participation in the Open Forum would be recorded in the meeting minutes, which are available to all MOA Members once approved by the Board.

Finally, if any issue presented to the General Manager or the Board represents a potential threat of legal action, the protection of the Association becomes our highest priority and it may be sent to the MOA attorney (s) for legal advice. Unfortunately, when this happens, it costs MOA legal fees and will typically limit communications back to you on only that which is advised by the MOA attorney(s). Obviously, for a better Michaywé, we would all welcome a frank dialogue and exchange of information without having to take that last step.

If you have an issue that is sensitive and you would like

Michaywé Board Meeting 2013 Schedule March 23rd - Board Meeting

August 24th - Board Meeting

April 27th - Board Meeting & Town Hall

September 21st - Board Meeting & Town Hall

May 18th - Board Meeting

October 26th - Board Meeting

June 22nd - Board Meeting & Annual Meeting

November 23rd - Board Meeting

July 27th - Board Meeting

December 21st - Board Meeting & Town Hall

The world is run by those who show up.

Open Session at Regular Board Meetings begins @ 9:30 am Town Halls & the Annual Meeting begin @ 2:00 pm

New Event: Spring Fling to be May 22 Karen Stimmel, Social Committee Chairperson, announces a new event on the social calendar, a Spring Fling. It will be held at 5 pm on Wednesday, May 22 at the club house. This will be very informal with pizza and salads offered for a nominal cost and a cash bar. “Look for more information on flyers around the club house and Michaywé Living emails. This will be a great opportunity to meet friends and neighbors to talk about spring and summer activities around our community,” said Karen. So mark your calendar for a new event that promises lots of fun and conviviality.

-Ron Nehring

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2013 Social Events Calendar Social Committee Chair, Karen Stimmel, is pleased to present the 2013 social events calendar. “We still need a chair or chairpersons to organize the U of M/MSU game day party ” said Karen. “This is a wonderful event that has been well attended and it would be a shame to lose it. More than one person can be responsible for an event. In fact, it makes it easier to spread the work among several friends.” Please contact Karen at 231-499-1501 if you would like more information on what is needed and how you can help. Be sure to mark your calendar for your favorite events!

Watch your email and the club house bulletin board for Spring Luncheon and Spring Fling information .

2013 Social Events Calendar 

Spring Luncheon

May 15



Spring Fling

May 22



Opal Lake Picnics



Ice Cream Social

July 7



Shuffleboard Tournament

August 17



Chili Cook Off

August 25



U of M/MSU Football Game Party TBA



Children’s Halloween Party

October 27



Clubhouse Holiday Decorating

November 19



Christmas Luncheon

December 4



Christmas Dinner Dance

December 14

June 12, July 10, August 14

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VOLUME 3, ISSUE 23

Kurt Jacobs

Tisa Appleton

2011 to 2012 ~ Increase in the Price of Michaywe Homes Sold! Michaywe Homes   

Intellectual Property of Alpine Realty Group LLC - All Rights Reserved

Michaywe Statistics Homes - Average Asking Price

2010 $

Number of Homes Sold Homes - Average Sale Price Homes Sold - Average Days on Market

2011 122,495

$

120,023 $ 42

143,825 40

$

108,096 $

133,870

24 $

113,700

2012

123

210

208

Percentage of Homes Sold

Decrease of 17.2%

Increase of 75.0% Decrease of 4.8%

Price of Homes Sold

Decrease of 13.5%

Decrease of 4.9% Increase of 23.8%

~ Aggressive Marketing ~ 

Our exclusive contract with REALTOR.COM puts your home before all other Gaylord homes on the largest real estate search engine in the USA.

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We create a eye catching multi-page bound booklet with details and photos of each of our clients homes. These books are distributed to all potential buyers who express interest in the home.



Professionally designed Craig's List ads are posted three days per week for all our clients homes.



Quarterly newsletter emailed to over 1,100 Gaylord area residents highlighting our clients homes. ~ Proven Results ~



Alpine Realty Group sold over $2,000,000 in Otsego County Real Estate in 2012.

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This could be your home SOLD!

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Christmas Luncheon Was a Huge Success Mary Ann Skibinski was the host of the annual Michaywé Christmas Luncheon that was held on November 29 in the Bridgeview Room at the club house. Mary Ann and her two co-chairs, Mary Woycik and Carol Stramaglio, developed the luncheon’s theme “Nativities around the World.” Attendees were encouraged to bring their own nativity sets to decorate the luncheon tables and many did so. The 105 attendees had a wonderful time seeing the various nativity scenes, some of which were family heirlooms. “I asked the wait staff to choose the nativity set that impressed them the most. Barb Christie won that honor and received a box of delicious chocolates from the Alpine Chocolate Haus,” said Mary Ann. A special treat was added to the luncheon agenda with entertainment by Mary Welsh, the singing hairdresser, and her two children. Everyone raved about the songs and Mary’s lovely voice. “My two co-chairs deserve great credit for their contri-

butions to the day—Mary devised the theme and Carol processed all the reservations for the luncheon. My friend Carol Mrozek did a great job taking all the photos for the afternoon. Mary’s daughter also donated many of the prizes that were awarded. A heartfelt thank you to each of you,” said Mary Ann. “In the spirit of the season we asked the attendees to donate an article of children’s winter clothing and they responded very generously. We were able to deliver four bags of boots, coats, gloves, hats and scarves to the Friendship Housing Center and they were most appreciative,” added Mary Ann. (See the following page for more photos.) Below l to r: Mary Woycik and Mary Ann Skibinski, co-chair and chair, respectively, of the 2012 Christmas Luncheon with a beautiful folk art nativity scene. The large nativity was hand carved by Fr. Bodan Kozicki in 1975. He was a priest from the Archdiocese of Detroit and was at St Lucy's parish in St Clair Shores where they celebrated his funeral last fall. He did multiple carvings in his lifetime, including the ones that adorn the CCL property in Paradise, MI.

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Happy Smiles from the 2012 Christmas Luncheon Right l to r: Cora Thaxton, Grace Rowley, Maryrita Ackerman, Sharon Burdage Below l to r: Mary Tomaszewski, Marge Williamson, Faye Kwapis Bottom l to r: Dee Stasevich, Julie Ohlrich, Jeanne Crenshaw, Fran Columbo, Lois Hibbler

Left: one of the beautiful nativity scenes that graced the luncheon tables

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Witzman Announces Ladies Golf League Kickoff Dear Michaywé Ladies League Members, past, present and prospective: Please enjoy the winter activities at Michaywé, but never stop thinking/dreaming of GOLF. Join the Ladies League on the links this spring. The purpose of the League as described in our bylaws is as follows: “This league shall endeavor at all times to promote golf according to the Rules of Golf as determined by USGA and to stimulate and inspire good fellowship, good sportsmanship, and competition among its membership.” The League Spring Kickoff will start with a brunch and informative meeting at the club house on Tuesday, April 30 at 10 am. A sign-up sheet for the brunch will be posted in the Pines pro shop. The sign-up deadline is April 27. If you are out of town and want to join us, please call President Sue Witzman at 989-939-7672. Please attend the kickoff if you are interested in learning more about our league or have questions about golf at the Pines Course. Michaywé director of golf and LPGA professional Judy Mason will be on hand to speak about all the golfing opportunities and tournaments for women at The Pines Course. League golf practice will begin on May 7 at 9 am with a 9-hole shot gun start. We are composed of 4 handicapped divisions, and play 9 or 18 holes on Tuesday mornings. Tee times in May and June start at 9 am. On the last Tuesday of each month we play a scramble and then have lunch fol-

lowed by a short business meeting. Michaywé also offers a group called the Z-League, that is all about fun on and around the golf course. This group does not require any League or GAM fees and is not part of the Michaywé Ladies League though we heartily support its goals and efforts. Z-Leaguers play on Mondays at 4:30 pm. Please call the Pines pro-shop at 989-939-8911 or Nancy Valuet at 989-939-8195 for more information. Check the Michaywé web site at www.Michaywé.com for up-to-date Pines course information. Tee times will be posted here on Sunday evening. Also check this web site in the case of inclement weather on league morning, as cancellation of play will be posted. On Michaywé Golf Association's own web site (go to www.groupspaces.com/mga or click link at www.Michaywé.com under golf) you will find lists of all our members, regularly updated and printable in as many copies as you want, along with news, announcements, and events. You can post your scores and find other golf information at the Golf Association of Michigan at www.gam.org, and other information and “Rules of the Game” at the US Golf Association at www.usga.org. Fore the Ladies League, Sue Witzman, 2013 MLGL President 989-939-7672, [email protected]

Your Photos Needed for Michaywé Archive Judy Mason, our Director of Golf, has opened a Shutterfly account and uploaded all of her Michaywé Pines Golf Course photos. Our goal is to collect photos of all things Michaywé to create a comprehensive photo archive that can be shared with interested Michaywé members. Do you have digital or print photos that you would be willing to share? If so, we can scan printed photos at the MOA Office so that you can keep your originals. You can also email them as attachments if the total file is under 5 Mb to gm@Michaywé.com or you can bring them to the MOA Office on a CD, SD card, or flash drive. We are also looking for several volunteers to manage this project by uploading, organizing and maintaining the

photo account. If you are interested, please send an email to gm@Michaywé.com. Thank you in advance for your participation.

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(989) 732‐9555 • (877) 905‐4050 • www.pprmi.com  Bill Dickson 

Nancy Jacob  

715 S. Wisconsin Ave • Gaylord, MI  49735 • Fax: (989) 732‐5751  Jamie Shelters  

Leslie Burroughs 

Chad Dutcher 

Lee Walski 

Pat Lynch‐ Goebel 

Brian Goebel 

Cindy Clark 

Holly Atkinson 

Kelly Combs 

Marcia Whe aton  

David Smith  

$189,000 

CUSTOM  HOME  ‐  MICHAYWE  GOLF  COURSE ‐ Beautiful home on the 13th  Tee,  features  custom  tile  work,   Corian  counter  tops,  master  suite.  Attached hea ted 3.5 car garage, plus   12 x 12 storage, full unfinished base‐ ment,  large  deck,  irrigation  system,  unique  ''stampe d'' driveway.  MLS #282635 

WONDERFUL  VIEW  OF  WHISPERING  LAKE AND SUNSETS! Nice open floor  plan,  3  bedrooms,  3  full  baths.  Fin‐ ished  lowe r  level  has  planked  wood  ceiling  and  large  windows  overlook‐ ing  the  lake.  2  car  atta ched  garage.  Landscaped,  composite  decking,  power  deck  awning,  centra l  air  and  more!  MLS #270334 

Impeccably  maintained  4  bedroom  home  with  vaulted  ceilings,  large  windows,  family  room,  natural  gas  and  a  private  wooded  setting  with  plush  lawns  and  low  maintenance   deck/s iding/ perime ter.   Finished  lower  level.  Great  location  only  1/4  mile to snowm obile  and ATV trails.  MLS #282765 

$195,000 

$119,000 

This  fabulous   home  boasts   5  Bed‐ rooms   and  5  ba ths!  It  has   great  success as a premier vacation  renta l.  The last two years  show income  over  $25,000! Sit outs ide on your deck, in  your  hot  tub,   looking   over  the  golf  course! Fine living at it's bes t!  MLS #282773 

Spacious  &  Gracious  this  2  story  home  features  a   main  floor  master  suite,  2  large   bedrooms,   dormer  bedroom, computer nook and 2 1/2  half  baths.  Extra  features  include   cathedral  ce ilings,  alcoves,  walkout  basement,  and  a  charming  wrap  around deck. All on a nicely treed lot.  MLS #277797 

$239,500 

Wonderful  Chalet  style  prow  front  home  with  full  finished  walkout.  3  bedrooms,  2.5  bathrooms,  large  kitchen and  living area with fireplace  and windows  galore. Walkout level is   finished, with wet  bar. Home has an  attached 3 car garage and a detached  30  x  50  pole  building  locate d  on  an  adjoining lot.  MLS #277193 

$325,000 

$155,000 

Quality  new  ICF  construction.  3  bedroom,  2  1/2  bath.  Main  floor  master  suite  &  2nd  floor  master  suite,  both  with  sliders  to  decks.  18'x19' Game  room. Open floor pla n.  Vaulted Ceilings. A must see!!!  MLS #274748 

Building  is  in  good  condition  and  Conveniently  located  for  offices  or  retail.  Can  be  converted  to  a  Bed/ Breakfast Renta l. Golf, Cross Country  ski,  snowmobile  from  your  front  door. Adjacent to Michaywe's Inn the   Woods  Resta urant,  short  walk  to  your favorite meal.    MLS #273958   

$259,900 

$139,900 

ASK ABOUT OUR VACANT PROPERTY LISTINGS! OVER 525 ACRES AVAILABLE!

FOR MORE INFORMATION ON  OUR LISTINGS AND OTHER  LOCAL LISTINGS, SCAN THIS  CODE WITH YOUR   SMART PHONE! 

©2012 BRER Affiliates Inc.  An independently owned and  operated broker member of BRER Affiliates, Inc.  Prude ntial, the Prude ntial logo and the Rock symbol are registered s ervice marks of Prudential  Financial,  Inc. and its related entities, registered in many jurisdictions worldwide .  Used under license with no other affiliation with Prudential.  Equal Housing Opportunity.  

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Committee Chairpersons Needed We are currently looking for a few good people to chair the following MOA Committees:  Audit  Buildings  Long-Range Planning If you are interested and would like more information, please call the MOA Office at 989-939-8919.

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VOLUME 3, ISSUE 23

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WHISPERING PINES

Impeccably  maintained  4  bed‐ room  home  with  vaulted  ceil‐ ings,  large  windows,  family  room, natural gas and a  private  wooded  setting  with  plush  lawns  and  low  maintenance   deck/siding/perimete r.  Fin‐ ished  lowe r  level.  Great  loca‐ tion  only 1/4 mile  to snowmo‐ bile and ATV trails.   MLS #282765 

PAGE 17

Wonderful  Chalet  style  prow  front  home   with  full  finishe d  walkout.  3  bedrooms,  2.5  bathrooms,  large  kitchen  and  living  area  with  fireplace  and  windows  galore.  Walkout  level  is finished, with we t bar. Home  has  an  a ttached  3  car  garage  and  a  detache d  30  x  50  pole  building  located  on  an  adjoin‐ ing lot.    MLS #277193 

$119,000 

$325,000 

Spacious & Gracious this  2 story   home  features  a  main  floor  master suite, 2 large  bedrooms,   dormer  bedroom,  com pute r  nook and 2 1/2 half baths. Extra   features  include  ca thedral  ceilings, alcoves, walkout base‐ ment,  and  a  charming  wrap  around  deck.  All  on  a  nicely   treed lot.   MLS #277797 

Next Door at The Loon!

$155,000 

Wonderful  views  of  the  Loon  Golf course and pond! This well  designed  condo features  a full  first floor maste r suite, vaulted  ceilings, first floor laundry, gas  fireplace, attached garage, and  many  windows  to  enjoy  the   spectacula r  views!  Loft  bed‐ room  features  half  bath  and  stained  glass  window.  Enjoy  maintenance   free   living   only  minutes to downtown Gaylord. MLS #282370 

$179,000 

(989) 732‐9555 • www.pprmi.com  715 S. Wisconsin Ave • Gaylord, MI  49735 • Fax: (989) 732‐5751  Pat Lynch‐Goebel  (989) 350‐8100 

Michaywé sales we have participated in during 2012!

Brian Goebel  (989) 350‐1708 

631 Porcupine Path

860 Porcupine Path

391 M ichaywe Drive

677 M ichaywe Drive

If you’re thinking of selling, now is the perfect time! Homes are selling in your neighborhood!

©2012 BRER Affiliates Inc.  An independently owned and operated broker member of BRER Affiliates, Inc.  Prudential, the Prudential logo and the Rock symbol are registered service marks of Pruden‐ tial Financial, Inc. and its related entities, registered in many jurisdictions worldwide.  Used under license with no other affiliation with Prudential.  Equal Housing Opportunity.  

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Time to Secure Michaywé’s Long-Term Stability Written by MOA Treasurer John Stellman The largest risk to Michaywé’s future is our debt load that was accumulated during the period 2000-2008. In order to understand why this happened, we need to look at MOA’s history and evaluate the facts. The period 2000-2008 was a 'deficit period' where Michaywé could not operate on dues alone - many supplementary funding actions were taken to maintain the $400 dues level, but resulted in a $2.3M (million) additional financial burden on the Association. Our best assessment is as follows: For Period 2000-2008: 2000 - Initial $200K short-term credit line established when assets were conveyed from the developer. 2001 - MOA started spending next year's dues in the current year (amount peaked at $460K). This practice is like a 'payroll loan' where you borrow on next week's paycheck to spend this week and then pay it back next week by borrowing again on the following week - it rolls over every year. 2002 - New long-term debt agreement of $432K primarily for excess clubhouse and pool renovation expenses 2003 - Additional $1.2M added to long-term debt from accumulated expenses and Pines Club upgrade. 2004 - Additional $100K short-term credit line for operating expenses. 2005 - Additional $200K of long-term debt and additional $200K reloaded into short-term credit line 2006 - Implemented lot consolidation program of 50% dues reduction on consolidated lots but no replacement revenue was provided. Although good intentions - program has resulted in loss of almost $300K of dues from only about 200 participants (total penalty cost rises $40K each year). 2008 - Additional $100K+ of long-term debt from loan refinance penalties and fees. The primary drivers of Michaywé's financial stresses are derived from 3 primary issues: 1.Delinquent membership dues still exceed over $120K per year 2.Debt service from money borrowed in prior years is about $200K per year 3.The lot consolidation program has cost over $300K and continues to increase $40K each year The problem is not how Michaywé is managed and operated, the problem is that because of these 3 factors we only have about 65% of the total dues income to spend on operations. For period 2009-2012 (recovery): Although this financial burden continues, in recent years we have stopped the 'borrowing practice' and lowered debt through cost reduction actions, implementing staffing changes, negotiating lower interest rates on our debt, increased volunteer support, embraced a philosophy of repair vs. replace, significantly reduced the Pines Club subsidy, and other management actions. During the last 3 years: NO increases to long-term debt - in fact, long-term debt has been reduced to $1.3M (the peak was $1.8M) NO increases to short-term credit lines. The short-term debt has been reduced to $270K. Maintenance & Reserve Fund is now over $300,000 - a record level. The Pines Club subsidy has been reduced to about $77K (this represents about $34 of each member's $400 annual dues payment). Historically this subsidy exceeded $200K per year. Significant investments have been made to improve lighting, parking lots, tennis courts, the beach club, ski trails, facilities, and buildings & grounds appearance. Although significant progress has been made and (with a lot of work) we now operate within our means, but we still have major long-term risks due to the amount of debt still remaining. Because of our debt history, we still continue to pay a higher interest rate on credit facilities. Debt payments and the lot consolidation program still consume almost $300K each year - money that could be invested in the community to make it even more attractive and even further enhance property values. (Continued next page)

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(Continued from previous page)

Potential Plan to Secure Michaywé’s Long-Term Financial Stability As Treasurer, my objective is for Michaywé to continue to operate within its present financial means and secure longterm stability to enhance home values and stimulate lot sales. In order to achieve this I suggest we consider a debt reduction plan to pay off several hundred thousand dollars of debt in the next 2 or 3 years - a rate even faster than our recent successful debt reduction progress. The benefits of this program are: Money currently being paid to outside creditors could be invested in Michaywé We would have a financial 'safety net' if a major emergency develops Being proactive 'now' reduces the risk for a future dues increase to our members With reduced debt leverage, Michaywé can refinance its remaining long-term debt at even lower interest rates generating even more savings, and place Michaywé on a firm financial footing for future years. In that regard, the focus this year will be to develop and present for member approval a debt reduction plan which accomplishes these goals. Some of the preliminary plan elements may include even more restructuring of operations, further enhancing public revenues which now account for over 60% of our cash inflow (dues generates less than 40% of cash inflow). The plan should also target increasing member patronage and support, asking for more volunteer assistance, and stimulating MOA resident growth thru homes sales and new construction. Your thoughts are needed too. This needs to be a 'community plan' - not a Treasurer plan or a Board Plan, but 'our' plan. No idea is insignificant, no proposal is without merit, and no savings amount is too small. Your assistance would be appreciated. Please send your comments directly to board@michaywé.com or to Todd Chwatun, our General Manager, at [email protected] for consideration. Thank you.

How to Grow Lilacs If you planted any of the five lilacs that were offered as part of the Michaywé lilac purchase program, you might want to review these tips for lilac success: ·

· ·

· ·

Lilacs like well-drained sandy or sandy-loam soil and should be planted in a fairly protected location that receives at least 10 hours of sun each day. They can tolerate cold weather, but not excessive wind that can cause the branches to dry out and die back; To promote abundant flowers, encourage the establishment of 9 -12 canes. Deadhead by removing faded flowers; Feed each year with a 5-10-5 fertilizer. You may also need to apply 2-3 cups of pelletized lime for older lilacs that haven’t bloomed in a while; Keep mowers and weed trimmers away from the base of the plant; Lilacs can be prone to powdery mildew, which that be lessened by watering the base of the plant and sterilizing your pruning shears as you move between plants.

Enjoy the beauty and fragrance that your lilacs can bring to your home and garden.

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Cindy Clark  Cell: (989) 350‐5520  Office: (989) 732‐9555  www.pprmi.com  715 S. Wisconsin Ave  Gaylord, MI  49735  Fax: (989) 732‐5751 

CUSTOM  HOME  ‐  MICHAYWE  GOLF  COURSE ‐ Beautiful home  on the 13th  Tee,  features  custom  tile  work,  Co‐ rian  counter  tops,  master  suite.  Attached hea ted 3.5 car garage, plus   12 x 12 storage, full unfinished base‐ ment,  large  deck,  irrigation  system,  unique  ''stamped'' driveway.  MLS #282635 

$239,500  WONDERFUL  VIEW  OF  WHISPERING  LAKE AND SUNSETS! Nice  open floor  plan,  3  bedrooms,  3  full  baths.  Fin‐ ished  lowe r  level  has  planked  wood  ceiling  and  large  windows  overlook‐ ing  the  lake.  2  car  atta ched  garage.  Landscaped,  composite  decking,  power  deck  awning,  centra l  air  and  more!  MLS #270334 

BEAU TIFUL,  LOG  home  featu res  knotty   pine  interior,  N EW  b eautiful  corn er  wood  burning  fireplac e  with   unique  stonework .  Nice  open  floor  plan,  main   floor  mast er  suit e.  Att ached  2  c ar  heat ed  garage,  d et ached  24x24  steel   garage.  Compl etely  refinish ed  exterior  summer  2012.  Stat e  land  for  hunting  and  recreation  n ear  by .  This  property   shows  'pride  of  ownership'...  t ak e  a  look!  MLS #282746  $139,950 

BEAUTIFUL  OTSEGO  LAKE  WATER‐ FRONT ‐ Adorable Rustic cottage with  sandy  beach  front.  Original  exposed  log  interior  &  stone  fireplace,  open  living area. Immaculately maintained,  move  in  condition  &   landscaped.  Perfect for that Up North Get Away!  MLS #277880 

$228,800 

$195,000    Looking  for  a  nice,  wooded  building   site  or  jus t  want  to  be  part  of  Michaywe?  This  is  a  great  opportu‐ nity!  Enjoy  all  the  amenities   Michaywe has to offer including Opal  Lake!     MLS #278325 

GORGEOUS  VIEWS  OF  LAKE  AND  VALLEY.  This  custom   LOG  home  offers so many features that it MUST  be seen! Quiet, secluded and  within  5 minutes to shopping, hospitals and  community amenities.   MLS #281604 

$239,900 

$2,995 

All listings for Northern Michigan Property  Guide must be submitted by Mid-April!  ©2012 BRER Affiliates Inc.  An independently owned and  operated broker member of BRER Affiliates, Inc.  Prude ntial, the Prude ntial logo and the Rock symbol are registered service marks of Prudential  Financial,  Inc. and its related entities, registered in many jurisdictions worldwide .  Used under license with no other affiliation with Prudential.  Equal Housing Opportunity.  

PAGE 22

WHISPERING PINES

VOLUME 3, ISSUE 23

Golf Maintenance Area - No Access The golf maintenance area behind the cart barn and tennis courts has become a dumping area for some people. We have had people dropping their trash off in the dumpster, the burn pile has had inappropriate materials heaped onto it, and every once in awhile someone just leaves random junk back in the woods.

As soon as the weather permits, we will be installing chains across the access drives to prevent these activities from taking place. Unfortunately for those members who enjoy utilizing our mulch, access will only be allowed during the hours of operation of the Golf Maintenance Department.

VOLUME 3, ISSUE 23

WHISPERING PINES

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Mason Previews 2013 Golf Season Hello Golfers! The 2013 golf season is just around the corner and promises to be exciting. This past year marked the Michaywé Pines Course 40th anniversary and the 25th anniversary of the Gaylord Golf Mecca. I look forward to many more milestones in the future. The Pines Course will be hosting great events this summer including the GAJUGA Junior Golf Tournament, the Michaywé Challenge Cup, Men vs. Ladies, Member Guests, Club Championship, Senior Championship, Member-Member and Oktoberfest Scramble. Our “Michaywé Pines for Research” fundraiser, that has raised over $36,500 for cancer research and treatment since the inaugural event in 2009, will take place June 19th and 20th. Please mark your calendar for this special event! I look forward to hosting the GAM Women's Senior Championship on August 26 and 27. This two-day event is popular with ladies from all across the state of Michigan. I value our strong relationship with the Golf Association of Michigan. The Michaywé Pines Course has been in excellent condition. Our patrons have enjoyed the beauty and splendor of Northern Michigan and our wonderful community. The staff works hard to provide great service and a

great product for our guests. A special thanks to all our volunteers who dedicate so much time, effort and money to our golf course and community. Your hard works makes the difference! Visit www.Michaywé.com to learn more about the Pines Golf Course, special offers and packages including our “Michaywé Madness” weekend unlimited specials. Season Pass and Play Card applications are available online. As an MOA member in good standing you are entitled to special rates and these rates are also extended to guests playing in your group. The web site offers a link for easy tee time reservations. Feel free to contact me direct at golf@Michaywé.com or 989-9398911 with any questions as you plan for the 2013 golf season. Think spring! Judy Mason Director of Golf Michaywé Pines Course Gaylord Golf Mecca Links for additional information: www.Michaywé.com www.gaylordgolfmecca.com www.gaylordjuniorgolf.com

Golf Association Spring Meeting Announced Nan Robinson, president of the Michaywé Golf Association, announced that the spring meeting of the association will be held at the club house on Friday, May 3 at 4 pm. “Everyone is welcome to attend this meeting, especially those who are new to Michaywé and may be thinking of joining one of our leagues. This is a great way to meet people and find out what your association is doing for you and the game of golf,” said Nan. “Many folks stay for dinner at Inn the Woods and it would be helpful to make your reservation at 989-939-8800,” she added.

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WHISPERING PINES

Retirement—Plan for the Expected and the Unexpected

PAGE 27

Submitted by Phil Hofweber

Gaylord investors preparing for or living in retirement need to plan for the expected while preparing for the unexpected -- and position their investment portfolios for both, said Phil Hofweber in the Gaylord community.

context of your individual risk tolerance, your time horizon and your specific goals," Phil said. "Even when you retire, you’ll need growth potential in your portfolio to cope with inflation and rising health care costs."

How can one plan for the expected? "First, envision your retirement lifestyle," Phil said. "Do you plan on traveling the world? Or will you stay close to home, volunteering and pursuing your hobbies? Or perhaps you'll even work part-time in some capacity."

Retirees also have to think a lot more about their spending decisions so they will need a certain percentage of their portfolio devoted to incomeoriented vehicles.

Once investors know what their retirement might look like, they can put a "price tag" on it, even if it's only an estimate, he said. "Try to contribute as much as possible to your retirement accounts, such as your 401(k) and your IRA," Phil said. "Then, as you near retirement, you'll have to calculate how much you can withdraw from your portfolio each year without running out of money and determine if your spending habits are suitable for the amount of income you can count on from your retirement plans, Social Security and other sources." As far as the "unexpected" factors -- those variables that will affect one's retirement costs and lifestyle -investors should consider:  Inflation -- Over time, even a relatively mild inflation 

 

rate can decrease one's purchasing power and erode the value of investments, particularly the fixed-income ones Market volatility -- No one can really predict when the financial markets will move up or down, or how big these movements will be, but they will occur, and could affect an unbalanced portfolio. Health care -- As one gets older, health care costs almost certainly rise, but the size of this increase is difficult to forecast. Longevity -- One doesn't know exactly how long he or she will live, but longevity will have a big impact on spending and investment decisions during retirement.

Phil said investors can position their portfolios for the expected and unexpected by achieving balance, specifically balancing the needs for growth and income. "During your working years, you may need to focus more on growth-oriented investments, within the

"Your financial advisor can help you find the right balance in your investments, both before and during retirement," Phil said. "And along the way, you'll likely need to adjust your portfolio in response to changes in your life. But if you keep the big picture in mind by planning for the expected while preparing for the unexpected, you can work toward achieving the retirement that you've envisioned and that you deserve." Edward Jones provides financial services for individual investors in the United States and, through its affiliate, in Canada. Every aspect of the firm's business, from the types of investment options offered to the location of branch offices, is designed to cater to individual investors in the communities in which they live and work. The firm's 12,000-plus financial advisors work directly with nearly 7 million clients to understand their personal goals -- from college savings to retirement -- and create long-term investment solutions that emphasize a wellbalanced portfolio and a buy-and-hold strategy. Edward Jones embraces the importance of building long-term, face-to-face relationships with clients, helping them to understand and make sense of the investment options available today. In January 2013, for the 14th year, Edward Jones was named one of the best companies to work for by FORTUNE Magazine in its annual listing. The firm ranked No. 8 overall. These 14 FORTUNE rankings include 10 top-10 finishes, consecutive No. 1 rankings in 2002 and 2003, and consecutive No. 2 rankings in 2009 and 2010. FORTUNE and Time Inc. are not affiliated with and do not endorse products or services of Edward Jones. Edward Jones is headquartered in St. Louis. The Edward Jones website is located at www.edwardjones.com, and its recruiting website is www.careers.edwardjones.com. Member SIPC.

Phil Hofweber is a Financial Advisor with Edward Jones Investments, 100 E. Main Street, Gaylord, 989-731-1851 or email at [email protected]. Edward Jones and its financial advisors do not provide tax and legal advice. You should consult with a qualified tax or legal professional for advice on your specific situation.

WHISPERING PINES

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VOLUME 3, ISSUE 23

Michaywé Tennis Center 2013 Summer Programs The Michaywé summer tennis program will begin the week of June 10, 2013. All classes will be taught by Dave Johnson. Dave is a certified instructor through the Professional Tennis Registry (PTR), an Etcheberry Certified Tennis Trainer, former Director of Tennis Fitness at Genesys Athletic Club and assistant coach of the Grand Blanc High School boys and girls tennis teams. There will be two 6-week sessions offered for the summer season. The first session runs from the week of June 10 through the week of July 14 and the second session runs from July 23 through the week of September 2. All classes will be taught at the Michaywé Tennis Center. Cost is $75 for each 6-week session. Class size will be limited! Registration begins May 6, 2013! Contact Dave Johnson at 586-242-9165 or [email protected] to register or to discuss specific questions.

Session 1 June 10 – July 19 

Session 2 July 22 – September 6

Peewees 1 – Ages 6-8 (6 weeks $75) Tuesdays 4:30 – 5:30pm June 11 – July 16

Peewees 1 – Ages 6-8 (6 weeks $75) Tuesdays 4:30 – 5:30pm July 23 – Sept 3

Peewees 2 - Ages 6-8 (6 weeks $75) Must Have Completed PW 1 Tuesdays 5:30 – 6:30pm June 11 – July 16

Peewees 2 - Ages 6-8 (6 weeks $75) Must have completed PW1 Tuesdays 5:30-6:30pm July 23-Sept 3

Tennis Buddies 1 – Ages 9-10 (6 weeks $75) Tuesdays 6:30 – 7:30pm June 11 – July 16

Tennis Buddies 1-Ages 9-10 (6 weeks $75) Tuesdays 6:30-7:30pm July 23-Sept 3

Tennis Buddies 2 – Ages 9-10 (6 weeks $75) Must Have Completed TB1 Thursdays 4:30 – 5:30pm June 13 – July 18

Tennis Buddies 2 – Ages 9-10 (6weeks $75) Must have completed TB1 Thursdays 4:30 – 5:30pm July 25 – Sept 5

Middle School 1 - Ages 11-13 (6 weeks $75) Wednesdays 11am-12pm June 12 – July 17

Middle School 1 - Ages 11-13 (6 weeks $75) Wednesdays 11am-12pm July 24 – Aug 28

High School 1 - Ages 14 – 17 (6 weeks $75) Wednesdays 10 - 11am June 12 - July 17

High School 1 - Ages 14-17 (6 weeks $75) Wednesdays 10 – 11am July 24 – Aug 28

Adult Beginner 1 - Age 18+ (6 weeks $75) Tuesdays 11am – 12pm June 11 – July 16 Thursdays 5:30 - 6:30pm June 13 – July 18

Adult Beginner 1 – Age 18+ (6 weeks $75) Tuesdays 11am – 12pm July 23 – Aug 27 Thursdays 5:30 – 6:30 pm July 25 – Sept 5

Adult Beginner 2 – Age 18+ (6 weeks $75) Some experience Thursday s 9 - 10am June 13- July 18

Adult Beginner 2 Age 18+ (6 weeks $75) Some experience Thursdays 9 - 10am July 25-Sept 5

Adult Intermediate – Age 18+ (6 weeks $75) Drills and Doubles Strategy / Match Play Thursdays 10 – 11:30am June 13 - July 18

Adult Intermediate – Age 18+ (6 weeks $75) Drills and Doubles Strategy/Match Play Thursdays 10 – 11:30am July 25 – Sept 5

Cardio Tennis Thursdays 6:30 – 7:30pm Ongoing Class ($10 per class) Pre-registration required for Cardio Tennis 586-242-9165

VOLUME 3, ISSUE 23

WHISPERING PINES

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Opal Lake Park Report Even though everything is still covered with snow, plans are already being made to prepare Opal Lake Park and the Lake House for the summer season. Please mark your calendars for Sunday, April 28 and Monday, April 29 from 10 am to 4 pm for the annual clean-up. Yes, it is a little earlier this year. You don’t have to stay all day; any time you can give would be appreciated. Snacks and a cookout will be provided for every volunteer. What a great way to greet old friends and meet new ones! Help is needed to spruce up both the Park and House prior to the official opening over Memorial Day Weekend. Inside the House, a general cleaning is needed to freshen the building after being closed up all winter, similar to spring cleaning at our own homes. Outside there are many branches to pick up and trees to trim, especially after the damaging snow in December, along with raking and general clean-up. There is also some fence mending to be done. Landscape tractors will be available to help move debris and a pull-behind blower will be used to minimize raking of all those pine needles! Once done, the Park and House will be ready for the summer season! It really is the jewel of Michaywé! Be sure to

Right: Volunteers at last year’s clean up enjoy a well deserved lunch break. l to r: Huntley Robinson, Betty Hawthorne, Bob Hawthorne, Mark Hall, Jan Harrington, Sally Hall and Harriet Genberg

come down to enjoy the beach, toss horseshoes, play volleyball or basketball or just relax on the deck in the new Adirondack chairs funded by the Arts and Craft Fair. Don’t forget about the three community potluck picnics: June 12, July 10 and August14. The Book Club, Duplicate Bridge Group and Card Group all meet at the Lake House during the summer, so be sure to check out the monthly calendar for those activities also. (Don’t forget: the Lake House can also be rented for private events.) For planning purposes, please let Mark and Sally Hall know if you plan to help with this clean-up activity. There will be a sign-up sheet posted on the bulletin board at the club house or contact them at [email protected] or 989-939-8070. The more the merrier!

Special Donations of Time or Money If you are willing and able, we would very much appreciate some help. The Michaywé Forward Program (MFP) has had many generous contributors who have helped us by funding projects around Michaywé that would not have been possible otherwise. That program also paid off a significant portion of short-term debt. However, because the MFP funds were directed to specific causes, we found that there is a need for funds to go to other projects such as the ones listed below:  Opal Lake Beach House Chimney Repair - We need someone who is able to repair the brick chimney before it requires full replacement.  ARC-GIS Operator - We would like to update the Michaywé PUD map and need assistance from someone who can run this program.  Cross Country Ski Trail Grooming Snowmobile - We have been without a grooming snowmobile for the past year due to a lack of funds. We are looking for generous donors to help us replace this specialty piece of equipment. Total Cost = $10,000 to $12,000  Restaurant Steamer - Inn the Woods would greatly appreciate funds to go toward this piece of basic kitchen equipment that we should have had from the beginning. Total Cost = $ 6,000 to $7,000  Erosion Feed System for the Pools - We are hoping to get funds for this unit that would automate the dispensation of bromine into the pools, which would save money on chemicals and labor. Total Cost = $1,800 to $3,600

MOA

PRSRT STD U.S .POSTAGE PAID Crossroads Ind., Inc. Gaylord, MI 49735 Permit #281

1535 Opal Lake Rd Gaylord, MI 49735

March 2013

Whispering Pines

Whatever It Takes! MOA Office 989.939.8919 ♦ Inn the Woods 989.939.8800 ♦ The Pines Golf Course 989.939.8911 www.michaywe.com ♦ [email protected]