March 2013 Edition

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.)
WHISPERING PINES
PAGE 2
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
Sold
Sold
6549 Wolverine Trail
Here are four of the 24
Michaywé homes sold by
Coldwell Banker in 2012
Sold
6025 Bent Tree
Sold
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
PAGE 3
PAGE 4
WHISPERING PINES
VOLUME 3, ISSUE 23
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 5
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
PAGE 6
WHISPERING PINES
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!
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 7
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]
WHISPERING PINES
PAGE 8
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
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 9
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
WHISPERING PINES
PAGE 10
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.

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.
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 11
This could be your home SOLD!
PAGE 12
WHISPERING PINES
VOLUME 3, ISSUE 23
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.
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 13
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
PAGE 14
WHISPERING PINES
VOLUME 3, ISSUE 23
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.
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 15
(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. WHISPERING PINES
PAGE 16
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.
Join Us On Facebook!
Michaywé
www.facebook.com/michaywe
Michaywé Arts & Crafts Fair
www.facebook.com/Michaywe.Arts.and.Crafts.Fair
VOLUME 3, ISSUE 23
VOLUME 3, ISSUE 23
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. PAGE 18
WHISPERING PINES
VOLUME 3, ISSUE 23
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)
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 19
(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.
PAGE 20
WHISPERING PINES
VOLUME 3, ISSUE 23
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 21
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
PAGE 23
PAGE 24
WHISPERING PINES
VOLUME 3, ISSUE 23
VOLUME 3, ISSUE 23
WHISPERING PINES
PAGE 25
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.
PAGE 26
WHISPERING PINES
VOLUME 3, ISSUE 23
VOLUME 3, ISSUE 23
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
PAGE 28
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
PAGE 29
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]