August 201 3

Bringing the latest news to our evolving Kipling Community

Special Points of

Interest

• Halloween Safety

Recommendations

• Make Your Home

Safe & Secure

• Christmas Party

• Decorating

Contest

• Vendor Fair

Inside This Issue

#2 Board Meetings

#3 Board Announcements

#3 President's Letter

#4 Neighborhood News

#5 Clubhouse Updates

#6 Community Interests

#8 Announcements &

Reminders

Kipl ing Estates Homeowners Association Board of Directors

Board of Directors

Kipl ing Estates Clubhouse ContactsClubhouse Manager Diane Gall ico 81 5-725-9922 dianeg@kipl ingcommunity.com

Communications Support Greg Forseth

Administrative Assistant Cathy Mil ler 81 5-725-9922 cathym@kipl ingcommunity.com

Clubhouse Staff Betty Presley 81 5-725-9922

Clubhouse Staff Terri Lanzisero 81 5-725-9922

Clubhouse Staff Maria Koss 81 5-725-9922

Handyman Dave Jaral

Board Meetings - All take place in the Kipl ing Clubhouse

KEHA Master Board

September 1 8, 201 3 - 7:00 PM

November 20, 201 3 - 7:00 PM

January 1 5, 201 4 - 7:00 PM

March 1 9, 201 4 - 7:00 PM

June 4, 201 4 – 7:00 PM - Annual meeting

July 1 6, 201 4 - 7:00 PM

September 1 7, 201 4 - 7:00 PM

November 1 9, 201 4 - 7:00 PM

Englewood Pointe

August 1 3, 201 3 - 7:00 PM

November 5, 201 3 - 7:00 PM

Feb 1 8, 201 4 - 7:00 PM

May 6, 201 4 - 7:00 PM - Annual Meeting

Devonshire

September 1 7, 201 3 - 6:30 PM

November 1 2, 201 3 - 6:30 PM

March 11 , 201 4 - 6:30 PM

May 1 3, 201 4 - Annual Meeting

July 8, 201 4 - 6:30 PM

September 1 6, 201 4 - 6:30 PM

November 11 , 201 4 - 6:30 PM

Saint Andrews Estates

September 4, 201 3 - 7:00 PM

Butterfield Ridge

September 1 7, 201 3 - 6:30 PM

November 1 2, 201 3 - 6:30 PM

Callaway Glen

September 23, 201 3 - 7:00 PM

November 25, 201 3 - 7:00 PM

Galway

September 1 4th - Saturday - 1 0:00 a.m.

November 9th - Saturday - 1 0:00 a.m.

The Townes

September 1 2, 201 3 - 7:00 PM

December 4, 201 3 - 7:00 PM - Annual meeting

Architectural Meetings

The meetings wil l be at 6:30 PM - 8/6/1 3, 8/20/1 3, 9/3/1 3,9/1 7/1 3, 1 0/1 /1 3, 1 0/1 5/1 3, 1 0/29/1 3 and 11 /1 2/1 3

All meetings take place in the Kipling Clubhouse at

850 Wynstone Drive.

President Bob Bradley Devonshire

Vice President Chrissy Kuehl Callaway Glen President

Secretary Sue Olson Galway President

Treasurer Marion Somers Devonshire President

Operations Linda Ramlot Butterfield Ridge President

Communications Cathy Zwirbl is The Townes President

Rules & Regulations Nancy Erwin Courtyards of Kipl ing President

Director Jeanne Eggert Englewood Pointe President

Director Patti McGrath St. Andrews Estates President

Page 2

Letter From the President

Board of Director's Business

Dear Kipl ing Residents,

The cars, trucks, and school buses for that matter, keep going faster and faster along Wynstone. As a reminder, thespeed limit is 30 MPH. My guess is that driving 30 MPH on Wynstone, verses driving at 45 MPH, wil l cost you about aminute of your time. Your meals won’t even get cold in a minute. Remember this – “Around the curve, l ickety split, abeautiful car, wasn’t it” Burma Shave

This is summer and we have a lot of kids in our community. Many of them walk around, cross Wynstone from time totime at various locations, going to the pool or a friend’s home. We also have bike riders, some of which ride in thestreet and let’s not forget the walkers, both young and old. I t’s time to slow down. I f you agree with me, and want to tryand make an impact, read on.

The Shorewood Police Department is offering another approach for residents concerned with speeding motorists. TheKeep Kids Alive Drive 25 Yard Sign Program offers neighborhoods direct involvement in slowing vehicles down andproviding safer streets. Any interested Shorewood resident can obtain 1 0 (24”x1 8”) Keep Kids Alive Drive 25 yard signsfor 30 days, to disperse between wil l ing neighbors. The signs shall be placed in each resident’s parkway during daylighthours and removed at dusk. This public awareness effort should make an immediate impact on speeding drivers in yourneighborhood. RememberMtraffic safety is ALL our business!

Bob Bradley

AMG Management Group 81 5-744-6822(Townes)

Bay Property Services, Inc. 708-974-4900(Devonshire)

AMG Management Group 81 5-744-6822(Englewood Pointe)

Hil lcrest Property Management 630-627-3303(Courtyards)

Waste Management 800-796-9696

Financial Summary Property Contact Numbers

June 201 3 Income $1 0,394.73

June 201 3 Expenses $24,002.69

YTD Income though 6/30/1 3 $1 95,703.89

YTD Expenses through 6/30/1 3 $1 66,872.1 2

Reserve deposits as of 6/30/1 3 $25,896.00

Account Balances as of 6/30/1 3

Operating Accounts

Leaders Bank Operating Account $45,079.49

Standard Bank MM Capital Expenditure Acc $47,821 .63

$92,901 .1 2

Reserve Accounts

Leaders Reserve Money Market $63,973.23

Leaders CD 1 0/26/1 2 $52,238.25

Leaders CD 9/21 /1 2 $26,91 7.00

Leaders CD 1 0/1 /1 2 $51 ,400.28

Standard Bank CD 11 /21 /1 2 $59,023.68

Standard Bank Reserve Money Market acc $54,843.98

$308,396.42

Total Account Balances as of 6/30/1 3 $401 ,297.54

Accounts Recievable as of 6/30/1 3 $63,373.42

Accounts Payable as of 6/30/1 3 $28,050.57

Page 3

Halloween Safety Recommendations

• Wear l ight-colored clothing that's short enoughto prevent tripping. Add reflective tape to thesides, front and back of costume.

• Make sure children can see well through facemasks or use cosmetics to create fun or scaryfaces.

• Adults should accompany young children.

• Go out in daylight and carry a flashl ight in caseof delay.

• Stay within the neighborhood and only visithomes you know.

• Watch out for traffic.

• Only give and accept wrapped or packagedcandy.

• Examine all candy before allowing children toeat it.

• Keep costumed children away from pets. The petmay not recognize the child and becomefrightened.

• Avoid hard plastic or wood props such as daggersor swords. Substitute with foam rubber, which issoft and flexible.

Page 4

Neighborhood NewsMake Your Home Safe and Secure

• Light is the number onedeterrent of crime. Useof exterior l ights on thehome at night isessential .

• Instal l good locks on alldoors and windows and be sure to use them.

• Do not hide keys in mailboxes and planters orunder doormats. Instead, leave an extra setwith a neighbor or friend.

• Ask for a photo ID from service or delivery peoplebefore letting them into your home. I f you are theleast bit skeptical, cal l the company to verify.

• Be sure your street address number is large, clearof obstruction, and well-l ighted so emergencypersonnel can find your home quickly.

• Watch out for your neighbors and they wil l watchout for you.

Beautiful 1 500 sq. ft, 2 bed, 2 bath well-maintained townhome for rent. $1 400 permonth. Open floor plan with attached garageand all appliances. 1 year lease required.Available Oct.1 st or before. Contactmcgeheelindsey@yahoo.com for more info.

Classified Ads

Interested in participating in a BOCCE BALLtournament at the Kipl ing Clubhouse?Saturday, September 21 st. Two personteams. $5.00 per resident team, both must beresidents, or $1 0.00 per non-resident team.Sign up at the clubhouse.

Bocce Ball

Clubhouse Updates from Diane

Pool Time

Hope you enjoyed “fun” days at the pool.The last day the pool wil lbe open is Monday,Sept. 2nd. So come inand enjoy it while it lasts.

Garage Sale

The Kipl ing Estates Garage Sale wil l beFriday andSaturday,September 6 and7th. The cost is$5.00 per garage.Sign-up at theclubhouse.

Vendor Fair

The Kipl ing EstatesVendor Fair is Friday,November 22, 201 3,4:00 unti l 8:00 pm.Vendor’s need to signup today. $1 0.00 sign-up fee. The mandatoryvendor meeting isMonday, November 4that 6:30pm.

Attention

Holiday Closings: The clubhouse wil l beclosed Thursday, November 28,December 24, 25th, 31 st and January 1 ,201 4.

Christmas Party

Our Kipl ing Kids“Cookies and Milk withSanta” Christmas Partywil l be on Saturday,December 1 4th at 1 :00unti l 2:00. “The LittlePeople” wil l againentertain us, so comeand join us for a fun time.

Have cookies and milk, and receive abag of treats from Santa.

Decorating Contest

The HolidayDecorating Contestwil l be December 1 stthru December 1 8th.Residents mustsubmit their own picture to theclubhouse, one picture per household.Pictures wil l be posted on our HolidayBoard, and ALL residents wil l have theopportunity to choose the winner.Judging wil l be December 1 9th thru Jan.6th, one nomination per household. Thewinner wil l receive a plaque and a giftcard. All previous winners are eligible aswell .

Angel Tree

The Salvation Army“Angel Tree” tags wil lagain be available atthe clubhouse. Pick upone or two tags andmake a child’s

Christmas special. The tags wil l beavailable December 2nd and allunwrapped gifts must be returned to theclubhouse by December 1 0th.

We want to hear your suggestions for activities at

the clubhouse. Give us a call or stop in and let us

knowwhat kind ofactivities you would like to

have.

Page 5

Community Interest

This month, the Dow Jones Industrial Average closedabove 1 5,000 for the first time. What does Dow 1 5,000mean to you, as an individual investor?

If you own stock, it's obviously good news that priceshave risen so dramatical ly. None the less, sooner orlater, the markets wil l change course. When thishappens, what should you do?

First, don't panic- corrections of 1 0 percent or more are anormal part of the market cycle. Also, keep investing. I fyou head to the investment sidel ines, you could miss outon opportunities when the market recovers.

Next, review your portfol io to make sure it sti l l fits yourneeds and risk tolerance.

Final ly, keep looking for ways to diversify. Diversificationcan't guarantee a profit or protect against a loss, but itcan help reduce the impact of the volati l i ty that occurswhen the market is changing directions.

The Dow at 1 5,000 is a notable event. But today's highscan be quickly forgotten when the market fal ls - so beprepared for that day.

Presented by: Paul Kalafut, Shorewood's Edward JonesFinancial Advisor located at Hammel Creek Commons,11 32 West Jefferson St. (81 5)744-81 50.

Member SIPC

What Does Dow 1 5,000 Mean to You?By Paul Kalafut

Page 6

Not A Joke! Even If you disl ike attorneys. . .You wil l lovethem for these tips.

Read this and make a copy for your fi les in case youneed to refer to it someday. Maybe we should al l takesome of his advice. A corporate attorney sent thefol lowing out to the employees in his company:

1 . Do not sign the back of your credit cards. Instead, put'PHOTO ID REQUIRED. '

2. When you are writing checks to pay on your credit cardaccounts, DO NOT put the complete account number onthe 'For' l ine. Instead, just put the last four numbers. Thecredit card company knows the rest of the number, andanyone who might be handling your check as it passesthrough all the check processing channels won't haveaccess to it.

3. Put your work phone # on your checks instead of yourhome phone. I f you have a PO Box use that instead ofyour home address. I f you do not have a PO Box, useyour work address. Never have your SS# printed on yourchecks. (DUH!) You can add it if it is necessary. But ifyou have it printed, anyone can get it.

4. Place the contents of your wallet on a photocopymachine. Do both sides of each license, credit card, etc.You wil l know what you had in your wallet and all of theaccount numbers and phone numbers to call and cancel.Keep the photocopy in a safe place. We have been toldwe should cancel our credit cards immediately. But thekey is having the tol l free numbers and your cardnumbers handy so you know whom to call .

5. Fi le a police report immediately in the jurisdictionwhere your credit cards, etc. ,were stolen. This proves to credit providers you weredil igent, and this is a first step toward an investigation (ifthere ever is one).

But here's what is perhaps most important of al l : (I nevereven thought to do this.)

6. Call the 3 national credit reporting organizationsimmediately to place a fraud alert on your name and alsocall the Social Security fraud l ine number. I had neverheard of doing that unti l advised by a bank that cal led totel l me an application for credit was made over theInternet in my name. (Equifax: 1 -800-525-6285,Experian: (formerly TRW): 1 -888-397-3742, Trans Union :1 -800-680 7289, and Social Security Administration fraudl ine: 1 -800-269-0271 )

The alert means any company that checks your creditknows your information was stolen, and they have tocontact you by phone to authorize new credit.

Attorney's Advice - No Charge

Classified Ads ;

Kipl ing residents are offered a free 5-l ine classified adin the newsletter. The ad wil l run in one newsletter.Each additional l ine wil l be $2.00 each. Add a picturefor $5.00. Contact the clubhouse for further detai ls.

Page 7

FREE Thursdays continue inShorewood at the TowneCenter Park - 6:30 pm

On August 1 5, 201 3 Shorewood wil l bewelcoming the Shorewood Glen Garage Band:music by those who lived it.They wil l be entertaining thecrowd with their sounds fromthe 50's and 60's. Also thatnight, we wil l have a 50's -60's cruise night and an icecream social. What a great opportunity to l istento some great music, see some great cars andcool off with a wonderful helping of ice cream.

Enhanced website ;

We are in the process ofupgrading our Kipl ingwebsite. Someenhancements havealready been completedwith many more to come.

Some of the changesinclude:

• Our financial information is now currentthrough June 201 3. The reports wil l beupdated monthly after the 1 5th of eachmonth. The previous reports wil l be removed.

• Staff information has been updated.

• Association fee schedule is now current.

• Meeting minutes from our beginning have beenadded. This is sti l l work in progress.

• The Kipl ing Board of Directors is now current.

• Assessment coupons for both 201 3 and 201 4have been added. Just cl ick and print.

• Rules and regulations wil l be added

• Classified Ads wil l be emphasized on our homepage.

• Lost and found wil l be enhanced

• We wil l l ist your Kipl ing club. Deliver al linformation on your Kipl ing club to theclubhouse.

• The Kipl ing HOA Organizational chart wil l beadded.

• Past issues of the Kipl ing Kronicle have beenadded.

Have a suggestion to help improve our website?Please call Bob Bradley at 81 5 735 0037.

Laws and Safety Tips for MotorizedScooters

With the increasing popularity of motorizedscooters, it is important to be a aware of lawsgoverning motorized scooter use and to knowthe best ways to keep yourselves and otherssafe while using a motorized scooter.

According to state statute, motorized scootersare considered motor vehicles requiring theoperator of a motorized scooter to possess avalid driver's l icense and fol low the Rules of theRoad. In addition, l ike any motor vehicle, thescooter itself must be licensed. The Vil lage ofShorewood wil l enforce the Rules of the Roadupon operators of motorized scooters on publicproperty. Because they are motorized, thesescooters should not be used on bike paths orsidewalks.

Motorized scooters are meant to be used onprivate property with the consent of the propertyowner. I f you choose to own and use amotorized scooter, please keep the fol lowingsafety tips in mind:

• Always wear a helmet. In addition, knee andelbow pads protect you during a fal l .• Do not operate the motorized scooter at night.Motorized scooters are not equipped to beoperated in the dark or in low light conditions.• Ride only on smooth, hard surfaces.• Do not put any additional load (extra person,items, tow) on the scooter.• Do not use the scooter in the rain or ridethrough puddles.• Be alert – watch for cars, pedestrians andpotholes.

Kipling Estates

Home Owners

Association

Kipl ing Estates Clubhouse

850 Wynstone Drive

Shorewood, I l l inois 60404

• Cover bowls or dishes when cooking in the microwave.

Coffee fi lters make excellent covers.

• Clean windows, mirrors, and chrome. Coffee fi lters are

l int-free so they'l l leave windows sparkl ing.

• Protect China by separating your good dishes with a coffee

fi lter between each dish.

• Fi lter broken cork from wine. I f you break the cork

when opening a wine bottle, fi l ter the wine through a coffee

fi lter.

• Protect a cast-iron skil let. Place a coffee fi lter in the skil let to

absorb moisture and prevent rust.

• Apply shoe polish.

• Recycle frying oil . After frying, strain oil through a sieve lined

with a coffee fi lter.

• Stop the soil from leaking out of a plant pot. Line a plant pot

with a coffee fi lter to prevent the soil from going through the

drainage holes.

• Prevent a Popsicle from dripping. Poke one or two holes as

needed in a coffee fi lter.

• Put a few in a plate and put your fried bacon, French fries,

chicken fingers, etc on them. I t soaks out al l the grease.

• Put baking soda into a coffee fi lter and insert into shoes or a

closet to absorb or prevent odors.

• Use them to strain soup stock and to tie fresh herbs in to put

in soups and stews.

• Use them as a spoon rest while cooking and clean up small

counter spil ls.

• Use to hold dry ingredients when baking or when cutting a

piece of fruit or veggies. Saves on having extra

bowls to wash.

• Use them to wrap Christmas ornaments for storage.

• Use them to sprout seeds. Simply dampen the coffee fi lter,

place seeds inside, fold it and place it into a plastic baggie

unti l they sprout.

• Use coffee fi lters as blotting paper for pressed flowers. Place

the flowers between two coffee fi lters and put the coffee

fi lters in phone book.

• Use as a disposable "snack bowl" for popcorn, chips, etc.

OH YEAH, AND THEY ARE GREAT TO USE IN YOUR

COFFEE MAKER!

Coffee filters ... Who knew! And you can buy 1 ,000 at the Dollar store foralmost nothing, even the large ones.