Monthly Matters
Posted on August 26, 2024 6:00 AM by Admin
How the Arbor Grove Finance Committee Determines the Budget…And, how are we doing financially?
 
Regarding financials and accounts payable/receivable, let's start by showing some love to key players. Marlene Ganci is the running back here at Arbor Grove. Bills are submitted by vendors or individuals in various ways to Dianne or Wayne for approval. Once verified, the bill is approved and sent to Marlene for payment. Marlene plays a vital role in the budget by correctly categorizing payments, so QuickBooks reports are accurate.   So much time and effort go into this process, and every effort is made to make things as efficient as possible. So, a huge pat-on-the-back to all who use ACH to pay your monthly HOA fee. 
 
QuickBooks reports are generated as needed. It’s what you see posted on the AG website after each board meeting and at year-end, listing every bill paid for the year. These financial reports are the basis for building the annual budget. Thanks to Mar and Dianne for keeping our information correct and available!
 
Building the budget
 
The real work begins long before the owners receive the budget before the annual meeting, which is shared with homeowners. In July, the committee chairs are asked to submit their budgets for the upcoming year. The committee work is highly involved and requires getting bids for painting and lawn care or estimating next year's chemical needs for the pool and pond. The committees estimate and plan maintenance work or projects for the upcoming year. This work involves committees getting estimates from various vendors and submitting RFPs (Requests For Proposals) so every effort is made to get the best price within our marketplace. 
 
Next, we review and estimate day-to-day items such as utilities, insurance, etc. Reserve items are reviewed for accuracy and future needs to ensure the monies are available when needed. Using all the information above to determine next year's expenses is the playbook for suggesting the HOA fees for the upcoming year’s budget. 
 
Here's where the Finance Committee starts their work. They review the proposed budget in detail. We frequently must return to the committees to discuss their budgets and potentially reduce some optional expenses. The Finance Committee is also the reserve's watch guard to ensure we have enough funds to keep Arbor Grove up to snuff, as it were, where we all want to live. When finished, the Finance Committee recommends a proposed budget to the Board of Directors.
 
Finally, the Board reviews the Finance Committee's recommendations and approves sending it in the annual package to all owners. The Board eventually approves the budget at the annual meeting.
 
How are we doing Financially?  
 
Our operating funds are good.  We have been able to build up some working capital from the closing fees received from the sale of units.  We do our best to estimate costs, but some things may change, like the amount of snowfall or increases in utility or insurance rates that are beyond our ability to estimate.  Operating Budget funds are not spent unless necessary or approved by the board.  Arbor Grove saves a tremendous amount of money through the volunteer work of all committee members and by not hiring a management company.
 
Every year, during the budget analysis, Rosemary and Dianne review the Reserve Projections with input from various committee members.  AG does not spend money based on what is in the reserves but rather on the necessity of the work.  Building costs increase regularly, and we try to increase our estimates as they do.  Our reserves are not fully funded.  Our goal is to contribute to the reserves every year.  At the present time, it appears the reserves will be able to cover projected expenses until 2034. 
 
           The Finance Committee includes:
 
Dianne Schaafsma & Rosemary Wieliczko
Chairpersons
Committee Members
Jack Dorn
Sandi Frenzke
Marlene Ganci
Roy Quanstrom
Sharon Schiller
Posted on July 29, 2024 6:00 AM by Admin
It’s been asked, how does the Social Committee do all we do? And, without a budget? 
 
According to the Social Committee Co-Chairs, the short answer is YOU!
 
Jan Krizik-Schmidt explains why…
 
At many events, we take donations which we collect over time to cover various costs associated with events (mostly supplies). Our neighbors in Arbor Grove have been generous in their donations and step up when asked. Some folks have even randomly given a nice donation just to help provide seed money for future events. Others donated a part of their game winnings back to the committee. Our only intentional fundraiser, if you will, is Split the Pot at our Kentucky Derby Event. These profits are specifically earmarked for the Social Committee to help defray expenses for future events.
 
If you’re wondering what kind of expenses the Social Committee have, well we’re happy to share. Poolside Brunch is a good example.  While this is a potluck, committee members shop for plates, napkins, silverware, and glassware. Often, we can borrow items from neighbors such as (spoiler alert) the margarita machine for Cheeseburgers in Paradise night! Décor to enhance the clubhouse is also often bought from funds in our “kitty” or through the generosity of our committee members. Committee members come together before events to decorate and have everything in place to enhance your good vibes. Good examples are the Kentucky Derby, Cheeseburgers in Paradise, Oktoberfest, or our upcoming Olympic Opening Games Preview Party.  
 
As a committee, we have worked at selecting eclectic activities in the hope of offering something for everyone. For the most part, we try to plan something every month. Some events challenge your memory such as Trivia with Jean, while some are purely entertainment like Bernie’s Bingo, while others are focused on safety when we offer dryer vent cleaning or smoke detector battery replacement. We also try to come up with new events. Recently, a group of “Grovers” attended the play Mamma Mia in Chicago. We are now planning another outing to Chicago in November to see Beautiful Noise, a musical featuring the music of Neal Diamond. If the theater is not your cup of tea, you might join us for our monthly happy hour or a pop-up dinner or bags tournament! 
 
How apropos the Social Committee is featured in Monthly Matters during summer, the busiest time of the year.  Our calendar is quite full! Let’s look at what brings us together in the upcoming months.
 
August:
·       8/3 “Cheeseburgers in Paradise” Poolside Potluck with live music from 3-5 p.m.
·       8/14 Trivia with Jean
·       8/16 Happy Hour with a Guess the baby photo 
·       8/23 Dryer Vent Cleaning ($50 per home)
·       8/24 Bourbonnais Fire Department Smoke Alarm check and battery replacement. 
 
September:
·       TBD Golf Outing at Aspen Ridge
·       9/20 Dessert Bar at Happy Hour
·       9/28 Oktoberfest! 
 
Where will we see you? What will you choose to attend? Do you have an idea we might pursue? Contact any member of the Social Committee and we’ll be happy to help you plan! 
 
These are the folks working together, not only to make events fun and meaningful, but to keep the fact: Arbor Grove is THE BEST place to live in Bourbonnais! Committee members are:
 
    Cathy Allers        Eileen Boudreau     Karen Denoyer
  Mary Donovan         Jean Fons            Georgie Hess
    Linda Klette        Elaine Luedtke       Mary Magruder
 Dominic Randazzo    Donna Scott     Nina Wakeley 
                             Judy Wesolowski
 
 
This fine team is led by Co-Chairs:  Judy Balthazor, Vicki Stevenson, and Janice Krizik- Schmidt.
Thanks to all for your efforts!
Posted on June 24, 2024 6:00 AM by Admin
We have flourished as a community for seven years because of Volunteerism! Every activity, event, function, meal, meeting, and project here at Arbor Grove has a volunteer coordinating it—in most cases, multiple volunteers. It is essential to have volunteers in our community to keep us afloat.
 
With busy lives, it can be hard to find time to volunteer. However, the benefits of volunteering can be enormous. While studies show that the more you volunteer, the more benefits you’ll experience, volunteering doesn’t have to involve a long-term commitment. We always need volunteers to help the community with basic jobs and activities. 
 
If you are interested in volunteering or have any questions, please visit the Arborgrove.org website to view the various committees. See what interests you, and contact one of the chairs or a board member for more details. 
 
Top Ten Reasons to Volunteer! (taken from various sources)
 
10: It's good for you.
 
Volunteering provides physical and mental rewards. Experts report that focusing on someone other than yourself interrupts tension-producing patterns, reducing stress. Moods and emotions, like optimism, joy, and control over one's fate, strengthen the immune system and making you healthier.
 
9. It saves resources.
 
Volunteering provides valuable services, which allows Arbor Grove to spend more money on other improvements. The estimated value of a volunteer's time is $26.87 per hour. WOW!!
 
8. It may be a chance to show off a little
 
At times, it may seem that your past talents are wasted in retirement. Do you have experience in the trades? The maintenance committee can use your knowledge and advice. Do you have great ideas for parties? The social committee is always looking for new talent.
 
7: It brings people together.
 
       As a volunteer, you help unite people to work toward a common goal, building camaraderie and teamwork.
 
6: It promotes personal growth and self-esteem. Understanding needs helps foster empathy and self-efficacy.
 
5: Volunteering strengthens and beautifies Arbor Grove. 
 
As a volunteer, you help promote pride in our neighborhood, making Arbor Grove a desirable place to live.
 
4: You can learn a lot.
 
Volunteers discover hidden talents that may change your view on self-worth. You gain knowledge of local resources that are available to solve needs.
 
3: Personal satisfaction! You get a chance to give back.
 
People like to support things they use themselves or care about.
 
2: Volunteering lightens the burden for others. Many hands make for light work! 
 
1: You make a difference. Every person counts!
 
Please consider volunteering it takes all of us to keep this wonderful community flourishing!!
Posted on May 27, 2024 6:00 AM by Admin
With Spring in the air and summer approaching fast, sometimes our neighbors get antsy and want to treat their home exteriors in the same way they did their previous homes. Living within a planned unit development with a formal homeowner’s association is a new experience for most of us. 
 
Many are used to making decisions and trying to make changes, forgetting that we have Declarations, Bylaws, and Community Guidelines/Policies for all to follow.
 
Want to paint your interior? Great.  Want to replace your carpet or hardwood floors? Great. Want to move where your sink and dishwasher are currently located? Not So Great! 
 
To make major revisions to your unit, which require changes to the original slab, you must have the architectural plans reviewed by the Architectural Committee (Maintenance Committee) and approved by the Board.  
 
It may seem like a pain, but the homeowner does not own the slab, the roofline, etc.  All of us owners together own all the exteriors of every building in Arbor Grove, including the pool, clubhouse, and grounds. The only thing we do not own together is our interiors, from drywall in, doors and windows. The Architectural Committee will ensure any structural changes to a unit are made by a licensed, insured, and bonded contractor.  Use whomever you want to work on the portion of our home that you own – again, drywall in.
 
As far as the exterior of your unit – also referred to as common and limited common areas – also requires approval for any changes.  The Rules Committee reminded us that:
 
“No changes, alterations, or additions may be made to the unit exterior or landscaping or any limited common area without the prior review and approval from the board.” 
 
Want to change your landscaping?  First, submit your plan to the landscape committee. If you do get consent and approval, you can certainly move forward.
 
Want to add an additional set of bushes, a tree, etc.? While the approval process is the same as changing out the current landscape, the homeowner has additional responsibility. They will be solely responsible for removing/replacing the additional bushes/trees should they get sick or do not survive. If the Association is put in the position to remove the additional landscape, the homeowner will be invoiced for the Association’s expenses.
 
If homeowners around Arbor Grove added additional landscaping plants, trees, etc., you would be forcing your fellow neighbors to pay the additional cost of maintaining those additions. This is why there is a process. 
 
Now, if you are one who likes to ask for forgiveness instead of permission – please be aware: “In the event of any change, alteration, or addition to the exterior unit or landscaping is made without prior board approval – well – you have to restore your unit to the original condition at your expense.” Warning, it will cost you. 
 
Last, but not least, many aren’t aware that exterior sculptures, statues, exterior fountains, and any yard ornaments must have prior approval from the board (typically goes through Landscape committee as delegated by Board). Want to have a US Flag – absolutely – we support that. Just know how and where you display your flag also needs prior approval according to our Community Guidelines.  Remember – we are talking about a US Flag. No other flags may be flown. 
 
Whew, that’s a lot of information, but hopefully, it's easier than re-reading the entire Declarations, Bylaws, Covenants, Guidelines, and Policies. These documents are always available and easy to access on our website.  
 
The best thing to remember is to utilize the website and reach out to the landscape committee, maintenance committee, and/or board of directors to confirm any changes or additions you want to make to your home. Everyone will be more than happy to help you and ensure we are all following the same set of rules and guidelines we all voted into place.  
Posted on April 29, 2024 6:00 AM by Clubhouse Committee
Make This Your Best Summer Yet at Arbor Grove!
 
Yes, summer is upon us.  With May Day, the official celebratory day of Spring, coming later this week, there is much to look forward to. Hope many Grovers were able to get to Container Gardening with Lois Ware earlier this month. 
 
On May 6th, our pool service folks will be on hand to get the pool ready for opening (we still want more volunteers if you can contact Gary Goselin or Barry Gadbois).  Once filled, with proper chemicals in place and water warmed, we will be up and running.
 
For those who don’t swim, why not come poolside to get fresh air and a little vitamin D in your system?  Bring a good book, good mood and just enjoy the day. 
 
If you are an angler at heart, bluegills, sunfish, catfish, and largemouth bass are waiting to be caught—and, of course, released.  
 
In order for everyone to share our wonderful grounds and amenities to their fullest, there are, of course, AG policies and rules in place so everyone can enjoy themselves. 
 
While this article will include a link to these community guidelines, there are some that many seem to be unaware of. Sometimes, folks have confusion about:
 
Have you rented the clubhouse?  Enjoy, but party guests are not allowed poolside.
 
If the Clubhouse is rented by someone else, feel free to enter the side or pool entrance if exercising or swimming.  The bathrooms and exercise room are always accessible to residents.  If you do go from pool to bathroom, please thoroughly dry off so no one slips and hurts themselves on a wet floor. 
 
Have family members visiting?  Enjoy, but do not give them access to the clubhouse, pool, or fishing pond unless you are onsite with them. Children under age 18 are not to be in clubhouses unattended by an adult. Remember – pool guests are limited to 4 guests per unit and residents are responsible for their behavior and noise level.  AG’s pool is a place for both fun and relaxation so consideration of others is a must.
 
When you are ready to leave the pool/clubhouse area, please take all your belongings with you and clean up after yourself. if you use a table, wipe it off.  It is only fair to the next person who comes along.
 
We have phenomenal amenities here at Arbor Grove to make summer fun, so, please visit the pool/clubhouse/pond area often and make this Your Best Summer Yet at Arbor Grove!
 
Full Use Amenities – Click Here
Posted on March 25, 2024 6:00 AM by Sandi Frenzke
We all own a home in prestigious Arbor Grove, a home we worked hard to pay for, right? So why wouldn’t we want to protect our home and our financial investment by having enough homeowner’s insurance to repair or rebuild following a catastrophic claim or ward off a liability suit?
 
To help our residents remember some key aspects of a homeowner’s insurance policy, we have developed a checklist you can reference when renewing your home insurance coverage each year before your renewal.  This form will also help you compare apples to apples when you get renewal quotes from multiple agents (there are several good ones in our area).
 
Just remember, this checklist is not professional advice from a “licensed” insurance agent.  It is merely highlighting examples that may prove helpful as recommended by folks who have worked in the biz.
 
Feel free to give the checklist to your agent to ensure you have the proper amount of insurance coverage and are in compliance with the Arbor Grove HOA covenants and our HOA master insurance policy.
Posted on February 26, 2024 6:00 AM by Sally Dorn
 
I recently read an informative article in the AARP Bulletin Jan/Feb 2024 about Cyber thieves which prompted me to take steps to protect myself from these dastardly villains. 
 
One key way is to  “Freeze your Credit,” an action you can take with relative ease. This ‘Credit Freeze’ is controlled by yourself, requires No Fee, is temporary, and keeps those scoundrels from getting credit in your good name, which has become a common occurrence.
 
The process may seem a bit overwhelming, however, I just completed the task and would like to share my experience. It will take a little time and patience to set up accounts and create passwords, but you will be adding a deep layer of security, and today is the day to do it.
 
First, you do Not need to go through a third party; in fact, beware of those offers.  Instead, locate each of the three main credit scoring companies online:  Experian.com,  Equifax.com, and Transunion.com.  Create your account for each one separately. 
You do NOT have to pay a fee, nor sign up for a monthly charge for any of these.  The first Equifax page I saw wanted me to sign up for $29 monthly subscription, but I searched further and discovered the correct page by searching:  Equifax/freeze. 
 
Always look for two signs telling you you are on a Secure Site!     The top search bar should have accurate spelling and begin with https://  showing the lock icon.
     
Once you are on the secure page, they will ask you for your social security number, phone number, address, ALL those things that we NEVER EVER give out.  It's Okay.  They must be certain we are who we say WE are. There may also be security questions, such as “Have you ever lived at one of these addresses”  or “Have you ever owned a  Ford Mustang”… things like that.   Credit companies require your personal, sensitive information to give you a credit card and keep check on your credit score;  they see everything we do, whether we like it or not. Admittedly, typing in all that information made me pause; it went against all I’d ever been warned about, But… I checked with many trusted sources, and they reassured me that it was necessary as long as I took care to sign myself in on a secure site. If you are unsure, never be afraid to ask a trusted relative or friend for help.
 
Yep, more usernames, and more passwords to remember.  Create a unique Password for each of the three companies. Write them down. When you get signed up and logged in, it should be easy to see the option to Freeze Your Credit.  Click on that option, then - confirm YES.
 
You have just made it extremely hard for those cyber thieves to steal your identity!  This Freeze keeps an unknown person from using YOUR good credit, but it is flexible, so when the day comes that you want to buy that new chariot or open a new credit card, you will need to go online, log in with your ‘remembered’ password, and click on Unfreeze.  If, by chance, you should forget, “they” will tell you that you have a freeze in place; you simply go to your account to unfreeze until your business is complete.  
 
 
       “Someone cracked my password. Now I need to rename my puppy.” -unknown
 
Update: An interesting article published in the New York Times recently not only recommends freezing your credit but adds a few tips on securing your social security numbers and personal information. Click here to see the tips from the Social Security Administration
Posted on January 29, 2024 6:00 AM by Rosemary Wieliczko
Who to call in case of an Emergency at Your Residence
 
Arbor Grove is a great place to live; we care about and for each other; however, there have been a few incidents over the past two years in which things would have been much easier had we known whom to contact in an emergency. So, as the song goes, “There is a season for everything,” Now is the season for our community to gather much-needed Emergency Contact information for all residents willing to share.  
 
Who should have an Emergency Contact?
 
Everyone in Arbor Grove. Those who live alone are the obvious answer. However, it is also crucial for residents who leave for any period. Along with having a Knox Box, knowing who should be contacted if you are not available can save valuable time in an emergency. 
Where will my Emergency Contact Information (EC) be kept, and who can see it?
 
Your EC will be kept in your profile on the Arbor Grove website.  That way, you can update it anytime your life situation changes.  Other residents will not see your information. ONLY Board members will be able to view your EC information. 
 
Who should my Emergency Contact be?
 
Family, friends, neighbors, roommates, and coworkers are great choices for emergency contacts, but it's important to consider who might be the most useful when faced with real emergencies. Ideally, your emergency contact should know your essential health information and where to find your legal documents. This information includes your medical history, current medical conditions, medications, and previous surgeries or hospitalizations.
 
How do I enter my information?
 
Just click on this link to access Your Profile. You will need to log on using your username and password. Your current profile has blank fields for Emergency Contact name and phone number. Remember the format for phone numbers is ten digits and must include the dashes (000-000-0000).   You will see a box in which you can provide additional information, including a second emergency contact if you’d like. Please remember to include their phone number.
 
You can also enter your information by logging on to the website, selecting “Your Profile” in the upper right-hand corner, and then selecting “Update Profile.”
 
REMEMBER TO HIT SAVE at the bottom of the page.
 
How can I change the information once I’ve entered it?
 
You can change your EC information anytime by going to your Profile at the top right of the website and selecting Update Profile from the list of options.
 
Are you having any difficulties? Please don’t hesitate to contact Rosemary Wieliczko at rwieliczko@aol.com for help or to ask questions.
 
Please take time to complete this vital information.
Posted on December 25, 2023 6:00 AM by Admin
Yep, the publishers of these monthly articles believe thoroughly that what you think does matter.
 
So, with this in mind, we ask everyone who cares to do so to please share your opinion on the reoccurring articles and, give suggestions for topics you believe will be of interest to you.
 
In essence, whether or not these articles continue is really up to you, the residents of Arbor Grove.
 
Monthly Matters Survey – Click Here to Begin
Posted on November 27, 2023 6:00 AM by Alice Argyelan
Wow, Arbor Grove Monthly Matters is officially one year old this month. What’s Mine & What’s Association’s?  Windows, doors, Use of Amenities

There are Covenants, By-Laws, Association Rules, and Guidelines.  These topics are broad and all-encompassing, yet key to living a good life in Arbor Grove.  The fact that we have a waiting list for folks who want to make Arbor Grove their home is a testament to our neighbors, committees, and board leadership.

Previous Monthly Matters honed in on several topics written by our neighbor authors who prepared articles on Insurance, Rules, and Duties of Homeowners, an entire year’s worth of great topics. We especially love seeing our committees and their good works get highlighted with a tremendous sense of gratitude.

This month, we’ll look at What’s Mine? What’s the Associations? And Use of Amenities.

Generally speaking, everyone is knowledgeable and comfortable with the fact that Arbor Grove owns the exterior of our homes and the surrounding grounds, including the clubhouse.

That being said, many do not realize our windows, front doors, garage doors, furnaces, and AC compressors are the unit’s owner responsibility for maintaining and, if necessary, replacing. 

Because we all own the exteriors and grounds, utilizing these amenities in our common areas comes with a set of responsibilities for proper use.  The Use of Amenities policy approved several years ago (updated since), lays out how we can all share our grounds in a fair, safe, and friendly way.

The Use of Amenities is divided into three main categories:  Clubhouse, Pool, and Pond.

First, the Clubhouse (just recently repainted, yeah).  Our clubhouse is a fantastic amenity.  Not only are there Arbor-sponsored events open to all neighbors, but it is also available to rent for your exclusive use at a cost of $75. For non-exclusive use, maybe hanging out with a friend, and you don’t care who pops in and out, the clubhouse is open 24 hours a day (unless rented).  If rented, the exercise room will always be available by entering through the side door so as not to disrupt someone’s celebration. The Clubhouse is never available to rent on the 3rd Friday of each month.  This is our monthly Happy Hour.

Second is our beautiful Pond!  Whether or not you enjoy fishing, a stroll around the pond on a lovely day cannot be beaten!  The pond sidewalk is the only private sidewalk in our subdivision.  Because of this, an Arbor resident must accompany anyone who is walking around or fishing. As most avid fishermen know – our pond is a catch-and-release pond – except that is for the egrets who enjoy their time there. 

Third and last, but not least, is our pool.  Folks wait with bated breath every spring for the pool’s opening date.  We are at the mercy of the schedule of the professionals who open the pool every spring.  Once open, a team of volunteers, led by Gary Goselin and Barry Gadbois, come to the pool twice daily to check chemical levels and ensure a clean and safe environment for our residents.  Residents assume the responsibility of overseeing their guests (maximum of 4) and cleaning their table and surrounding area before they exit the pool area.  

Because the Illinois State Department of Health governs our pool and is a swim-at-your-own-risk pool, there is a large section of the Use of Amenities dedicated to pool rules and resident responsibilities.  Everyone is encouraged to read the Use of Amenities every year before swim season! (Click here to read). 

There are many committees and volunteers who work together in teams to ensure a happy and healthy lifestyle here in Arbor Grove.  Taking care to know our responsibilities and the homeowner association’s responsibilities makes for a great day, which begins on Arbor Way.

A survey on Monthly Matters will be coming to your inbox soon. Please take a few minutes to complete the survey so we know your thoughts and opinions.