LIVING IN HARMONY WITH NATURE
Penn Estates Property Owners Association New Year 2007
ceremony and partake
Penn Estates Dresses of the delicious
including hot apple
Up for the Holidays! cider.
The 10-foot tree
By Maureen Robinson decorated with
The Community was awash in lights and decorations this holiday season thanks to the assorted ornaments
creative talents of Dee Sanchez and Stephanie Polemir. From Hallet Road to the back and hundreds of multi-
gate, lights and wreaths, trains and even a gingerbread house lined Penn Estates Drive. colored lights. It was
The ladies worked tirelessly for weeks planning and designing every little detail. so perfect, many
Aided by the Maintenance Crew Elves – Mike Davidson, Jim Kawalski, James people thought it was
Pepper, Shawn Caron, John Krayeski, and Bill Sansouci – Dee and Stephanie trans- artificial. How ironic.
formed our Community into a holiday tableau to rival any 5th Avenue store window. The The caroling, led by
adorable dolls at Hallet Road brought a smile every night to the faces of many commuters Andrea Reiter, was
after a long, tedious trek from the city. And speaking of commuting, it was such a clever also broadcast outside
idea to create a train with pictures of residents from each section that appeared on the side so that passers-by
of the Community Center. could enjoy the sounds
Particularly impressive was the gingerbread house at the back gate with its candy of the season. And
decorations, countless lights and, of course, gingerbread man. It truly looked good Santa made an early visit to the festivities to the delight of all, especially the children.
enough to eat. Equally impressive was the Administration Building with the beautiful Breakfast with Santa - Santa returned the next morning to visit with the children and
lighting and large spectacular wreaths, the work of Dawn Wolfe. hear their wish lists for Christmas. With a chair especially designed for him and a sleigh
Their work seemed to inspire many homeowners to follow suit. Signs of the season full of gifts, Santa greeted many, many children.
were evident in every neighborhood with large displays of lights, ribbons, wreaths and Photographer, Bill Stanukenas, was on hand to take photos of the children (and
Christmas trees, not to mention sometimes the parents) with Santa. Mrs. Santa was also there as were many of Santa’s
countless inflatable lawn helpers who served hot cocoa and refreshments to everyone.
ornaments. Penn Estates truly Together, these activities created a true feeling of Christmas in our Community.
became a winter wonderland Many thanks to the several volunteers who gave hours of their precious free time to
for all to enjoy. bring the spirit of the season to Penn Estates.
Tree Lighting Ceremony - More photos on page 16 and 21...
The weeks of work culminated
in the “official” opening of the
season at the Second Annual
Penn Estates Property Owners Association PRSRT STD
Tree Lighting ceremony on U.S. POSTAGE
Penn Estates Drive
Friday, December 7th. Many PAID
Analomink PA 18320
residents gathered in the Oak East Stroudsburg, PA
Room to participate in the 18301
ADDRESS SERVICE REQUESTED PERMIT NO. 48
E-SE USH !
Santa’s helpers Dee DAT
Estates into a winter
Penn Estates Resident
2 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Manager’s Message President’s Message
By Carrie Ridner, CMCA, AMS By Frank Sanchez, President
Happy New Year! Wow, its January 10th and we have
yet to feel winter or see its wintry white stuff. Not that I
New year, New beginnings…
am complaining. I am sure we will soon see a dose of the The old year has passed and we now embark on a new one.
good ole white stuff. It will make me feel like our snow The past year has seen many successes in both our physical plant
removal equipment is for more than just decorations. (beach, pool, new administrative building, etc.). Our finances
However, when it does snow, just a few reminders. If were either at budget or generated a small surplus. For the first
you do not have to drive, please stay home. It makes it time ever, we are also totally self sufficient with respect to snow
easier for our snow operators to clear the roads safely. removal. Yet, the upcoming year presents several challenges and
Also, the most unpopular plowing in your driveway… We will do it as part of the opportunities.
plowing and cleanup. With over 1700 driveways, we cannot possibly lift the plow at We anticipate completing our rear gate relocation project, completing the final pool
every driveway and properly plow at the same time. Our recommendation if you do not apron upgrade, and redesigning our mail facilities to allow more convenient and safer
have a service plowing your driveway and you feel you must shovel before the snow access for all our residents. The Long Range Planning Committee is examining
stops; leave the last two feet at the end of your driveway until the roadway is cleared. alternatives for upgrading, enhancing, or replacing the current community center
This will save you from being frustrated that that **** snowplow guy put all that snow structures. Community landscaping should be completed in- house this spring,
back in your driveway. enhancing the natural beauty already present in Penn Estates. The challenge of the gypsy
On a different note, I am sad to tell you that our Operations Manager, Ron Gatti, has moth and the ever-expanding deer population is the province of the Wildlife and
resigned his position with Penn Estates. Ron has accepted a position with another Forestry Committee. Any solutions are both long-term in nature, and unfortunately
community just north of here. He and his wife Ida, plan to relocate closer to his new job. expensive also. A project for Finance has now been created!
We thank Ron for his service to the Community and wish him and Ida all the best. Your Board of Directors has also undergone a change in the past year. Many
What is on tap for 2007? Well I don’t think it is going to be as exciting as 2006 with members have retired, new ones elected and/ or appointed to vacant positions, each with
our major Beach renovation, but you will see some changes. We are currently working fresh ideas as to how to make Penn Estates an even better place to live. Change is one of
on the renovation of the pool restrooms. They the few certainties of life, and for my wife Dee and myself that time has also arrived.
have been completely redesigned and will be Although we have enjoyed our home in Penn Estates, the time has come for us to move
ADA compliant. The next renovation will be the on. We plan on relocating in the near future. As such I will be leaving the Board not
AAA + restroom facilities in the Community Center. later than the Annual Meeting in May. The parting is bittersweet as are all partings. Our
ADDITIONS Also, the Board of Directors has approved the fondness for our community and the many friends we have made over the years will be
We do it all! New homes, relocation of the rear gate. We will be moving the sorely missed; however we look forward to a new beginning in our new location.
basements, attics, gate closer to the new administration office, If you have not already gotten involved in your community, I urge you to do so. Dee
electrical, carpentry, etc. adding a second entry lane and turning lanes. The and I got involved and our involvement has truly enhanced our stay here. Be a part of
Free Estimates • Fully Insured Administration office will be accessible without the future Penn Estates, you will not regret your decision.
Call Danny: coming in the gate.
or (570) 643-6397
Easter Egg Hunt
Saturday March 31st
10:00AM to Noon
Prizes • Refreshments • Free-will donation box
Harmony And most important - the Easter bunny will be there!
Sign up sheet will be in the office to help us plan on
approx. how many children will be attending.
The official publication of the You may also email information to firstname.lastname@example.org.
Penn Estates Property Owners Association
Any questions call Clarice Wilkens 421-0391
Editor ........................................................................... Maureen Robinson
Staff ................................. Jason Jones, Sharon Kennedy, Kara D’Amato,
Nicole Padilla, Charles Jenkins, Jane Harris,
Andrea Reiter, Larry Dias, Dee Sanchez Super Bowl XLI Party
Photographers ...................................... Bill Stanukenas, Dee Sanchez, Sunday, February 4, 2007
Charles Jenkins, Larry Dias Penn Estates Oak Room
Board Liaison ..................................................................... Lisa Sanderson Doors open 5:30PM
Published by We invite you to our annual Super Bowl Party.
Community Newspaper Publishers, Inc. We will be serving wings, hoagies and soda.
FOR ADVERTISING and PUBLISHING INFORMATION: Bring your family and friends, and have a good
110 Wayne Street, Stroudsburg PA 18360
time meeting new neighbors and watching the
PHONE (570) 476-3103 E-MAIL PennEstates@cnpnet.com
Super Bowl on our big-screen TV!
The acceptance of advertising in the Penn Estates Harmony does not constitute endorsement by the Penn
Estates Property Owners Association or Community Newspaper Publishers, Inc. Position of advertise- Cost: $5 per person
ments is not guaranteed. All advertising is subject to acceptance by the editor and publisher. The publisher
is not responsible for errors in ads or claims made by advertisers. BYOB
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Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 5
Editor’s Message Best Year to
By Maureen Robinson
Happy New Year to you all and best wishes for a healthy and prosperous 2007. Date for Collections
Highlighted in this issue are the wonderful holiday festivities and decorations that made By Patricia Jackson-Scott, Treasurer
the Christmas season very special. In addition you will find interesting and entertaining
articles on Groundhog Day, President’s Day, St. Patty’s Day and Black History month. Another Year and Help is Still Needed
Also included in this issue are the new covenants for Penn Estates. It is very important We ended our best year to date with a collection rate of 94%
that you read this information. I would like to call your attention to Sean Riley’s article which could not have been accomplished if it were not for the
on Long Range Planning. This, too, impacts all residents of our community. Board Office Staff and we would like to “Thank All” for the efforts
elections are just around the corner and Ellen Stanley’s article explains the process of that were extended. For 2006 we ended the year with a small
applying for candidacy for the elections. surplus which will be placed in the Replacement Fund and/or reduce debt after the final
As always, we encourage you to send articles, pictures and editorials for inclusion in audit.
Harmony. As I have said before, this is your paper so we want to hear from you. You can There were over 300 homeowners that participated in the Prepayment Program for
send material to email@example.com or firstname.lastname@example.org as well as bring them to the 2007 (who received a $15.00 discount if dues were paid in full by December 31st). All
Administration office. I look forward to hearing from you. membership dues are due in full on February 15th 2007. Anyone who needs to establish
a hardship plan for 2007 must contact the Administration Office before that date.
The Finance Committee is still looking for members. The Committee meets monthly
the Saturday morning after the Board Meeting at 8 AM. If anyone is interested in
Community Corner becoming a part of this committee or seeing how the funds are managed you are
welcome to attend or contact the administration office for any additional information.
• Congratulations to Ron Babus Jr., for graduating from the National Park Meetings are open to all community members however only voting members of the
Rangers Training Institute in Nelsonville, Ohio on December 15. We wish you committee must be property members in good standing as we are making financial
the best of luck in fulfilling your dream of being a Law Enforcement Park recommendations to the Board that affect the community as a whole.
Ranger. (Barbara D. Babus) Currently we are looking into the relocation of the front mailboxes as there will be
• February 14, 2007 – Happy Anniversary to Olga and Pedro Caban from no manned postal facility as was previously discussed. This is an ongoing discussion of
Maureen and Robbie. Wishing you many mores years of happiness and love. the Long Range Planning Committee. We are also looking at relocation of the rear gate
• On behalf of the Board and the Harmony Staff, we extend condolences to to Cricket Drive as it will keep the heavy trucks off of our roads which means there is
Board President Frank Sanchez and his wife Dee on the passing of Frank’s less wear and tear on our roadway.
mother, Carmen Sanchez. Projects that were being examined last year were completed (1) Lake improvements
• Get Well wishes to Nancy Padilla and a very speedy recovery from all your were completed (2) Aquatic Staff as well as the Snow Plowing have both been brought
friends and fellow knee replacement recipients. “in-house” to provide better service to the community and decrease our cost.
Share your special occasions with your Penn Estates neighbors. Send birthdays, Hoping to see you real soon at one of our Finance Meetings!
weddings, anniversaries, new arrivals and other special events to email@example.com,
subject: Community Corner. You can also bring your announcement to the
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Help raise money for Community Day while treating yourself to lunch with the
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(Not valid with any other
(570) 982-9574 Cellular discount. Present coupon
email@example.com on day of signing.)
“Large enough to serve you, small enough to care”
PHYLLIS RUBIN REAL ESTATE
Rd #5, Box 5221A
East Stroudsburg, PA 18301
Sharon Bradley, Realtor www.cbprre.com
Each office Is Independently
Owned And Operated
6 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Long-Time Penn Estates
Board Members Resign
By Maureen Robinson
With great reluctance, the Board of Directors recently accepted the resignations of
Directors Annette Burke and Charles Knox. Both have served Penn Estates for many
years and were instrumental in many changes over the years.
Annette joined the Board in 2000 as its first female member and served as Secretary
in 2001. Annette made her presence known quickly by developing a database to track the
demographics of the community. Annette served two three years terms prior to 2006
during which time she acted as Liaison to the Real Estate, Community Documents, and
Nominating/Steering Committees. She was also an active member of the Long Range
Planning Committee. Annette will be missed not only for her leadership but for her
wonderful (subtle) sense of humor. The Board wishes her well and good health.
Charles was a Board Member for 8 1/2 years, serving as President from 2000 to 2002
and Vice President from 2004 to 2005. Most recently Charles served as the Liaison for
the Security and Safety Committee. A former Newark Chief of Police, Charles used his Charles Knox receives recognition of service award from Board President
invaluable experience to make Penn Estates a safer place. His utmost concern was that Frank Sanchez and Vice President Lisa Sanderson
the residents of the community felt secure. Like Annette, Charles played a key role in the
transition of Penn Estates from a resort community to a year-round, full time community.
Charles and his family have relocated and the Board wishes them well in their new
Annette and Charles have both given countless hours of their time to make Penn
Estates a better place and we are very grateful for their service. Commitment like theirs is
a rare commodity.
Bob Burke accepts recognition of service award on behalf of his wife
Annette from Board President Frank Sanchez and Vice President Lisa
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Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 7
Penn Estates Dart League PEPOA Budget Corner
2006-07 League Standings By John Bradley
This is the first installment of my new column in the Harmony that will provide an
Week No. 16 of 30 overview of the previous quarter’s expenditures for our community. I hope that this will
Place Team Win Loss Team Cricket bring some clarity to where your hard-earned dues dollars are spent. As an introduction,
1 10 Manfred & Jose’ R. 38 10 136 I am the chair for the PEPOA Finance Committee, in which I have been a sitting a
2 7 Armando & Warren #1 37 11 86 member since the beginning of 2006. My other job (besides being a newlywed and a
3 1 Matt & Gary 33 15 138 father to a seven-year-old boy) is as a Senior Vice President at Citigroup, with 20 years
4 6 David & Al 33 15 39 of financial experience.
5 4 Mark & Kevin 26 22 57 Since we just finished the 4th quarter of 2006, I would like to use this article to
6 9 Cliff & James 24 24 37 highlight some of the major projects and expenditures during all of 2006:
7 3 Roger & Paul 23 25 69 • A new F-550 heavy-duty truck was purchased which brought the entire snow
8 5 Stacey & Tony 22 26 25 removal operation in-house.
9 11 Sean, Warren #2 & Ed 20 28 17 • Aquatic services were brought in-house and no longer contracted out.
10 13 Jim, Jim #2 & Bob 19 29 41 • Front entrance drainage improvements were completed with the assistance of a
11 14 Danielle & Scott 18 30 96 grant of $10K.
12 2 Niki & Jenn 17 31 17 • Upgrades to the pool and pool area were completed including the addition of a
13 12 Howard & Steve 17 31 50 new slide.
14 8 Larry & Jose’ M. 11 37 64 • A new communications coordinator was hired to work on the Harmony
publication, community website and a future cable channel.
• Three new maintenance positions were added bring our maintenance staff to
Support the Penn Estates Dart League full strength. There are no plans to add additional staff in 2007.
Order Your Original Design T-Shirts Now! • A new Dodge Durango security vehicle was purchased to replace the damaged
and due-to-be-replaced Ford Escape.
• Several Highland Lake upgrades included the following: grass picnic area, two
spray fountains, one picnic pavilion, one gazebo, new picnic tables, paved
parking area, new boat dock, renovated restrooms and concession stand.
• Several landscape beatifications were completed throughout the community.
All in all, we had a successful year and thanks should go out to Carrie Ridner and her
staff, Frank Sanchez for his leadership, Patricia Jackson-Scott for her financial
governance and all the board members who volunteer their time to helping our
The 2007 budget goal for the PEPOA Finance Committee is to maintain a high level
of service to our homeowners while limiting future dues increases. We have a great
number of homeowners with fixed incomes and/or tight budgets and it is my vow to
ensure that even though property taxes keeping going up, dues will not follow suit. In
order to accomplish this, we have to balance the needs of current residents with the
needs of future residents. We do not want to saddle current residents with higher dues
and we do not want to incur higher debt for future residents, nor do we want to deplete
our slowly decreasing replacement fund. The quick answer is that we must align our
future expenditures with the needs of the community. We must also look for ways to
increase ‘non-dues’ revenue. If anyone has any revenue enhancement ideas they would
like to share, please email at firstname.lastname@example.org or attend one our Finance Board
$15 for regular sizes; add $1.50 for 2XL or larger sizes. meetings held the Saturday after the Board Meeting at 8AM every month.
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8 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Never a Dull Moment
By Jane Harris
We returned to Penn Estates for a holiday respite, a change of scene, a re-energizing
few days before I resume my teaching duties. I could picture myself sitting in front of a
fire, looking out at the squirrels racing up and down the banister, swinging from
dangling suet cakes, the birds landing and taking off in synchronized swoops sampling
seed in the feeders.
I hardly had inhaled our crisp mountain air when I had a phone call from Naomi
Gauntlett our resident TNR expert.
The Eagle Scouts were scheduled to deliver cat shelters and the Pocono Record
would be interviewing and taking photos of this community project.
Would I be available to meet and greet them at one o’clock on Saturday at the front
gate? Sure I said…why not.
Naomi, Sharon Kennedy representing the Monroe Animal League and I were waiting
as the truck pulled in carrying the cat shelters.
Kevin Diver, who built the houses as an Eagle Scout project, had suddenly achieved
celebrity status as the reporter, photographer and our enthusiastic welcoming group
surrounded him. Proudly, he popped off one of the shingled roofs to show us the interior
as we all ooed and ahhed.
It was exciting as the entourage traveled to locations and set up the shelters, adding
hay for warmth. These insulated plywood structures will provide protection for some of
our feral felines when the weather turns frigid.
Although specially designed for this purpose, residents may also create a warm
haven under decks or sheds and crawl spaces by using hay as bedding. Cat shelters are a
great do-it-yourself project or can be found through various suppliers online.
It was a great community day. We came together from far and near to help. I
couldn’t have been happier to be part of it and part of a community such as Penn Estates
where living in harmony with all aspects of our land is so important to so many of us.
It was a proud moment and a wonderful way to begin a new year.
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Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 9
Spicebush Drive Block Assoc. Penn Estates Thanks Firefighters
By Harmony Staff
Celebrates the Holidays Penn Estates Property Owners’ Association President Frank Sanchez presented a
$5,000 check to Tom Phillips of the Stroud Township Fire Department at the
Department’s meeting last night, in an effort to assist in keeping the Volunteer
Firefighters protected with current gear and equipment. Volunteer Fire Departments rely
heavily on fundraising and donations to finance their expenses.
Carrie Ridner, PEPOA’s Community Manager, pointed out that the Volunteer
Department responded to over 60 calls in each of the last two years from Penn Estates,
including automatic alarms, dwelling fires, motor vehicle accidents and medivac
assistance. “These are unique individuals who dedicate their time to respond to
emergencies in Stroud Township. They are not paid for their services. They are called at
all hours of the day and night to assist us.”
In addition to emergency service response, Ridner says, they provide community
support. “You may have seen the Fire Safety House at our Community Day Picnic,
where they provided fun and informative activities for the children, including rides in a
fire truck! These men and women, again, donate their time to help educate our
children.” Ridner could not stress strongly enough how appreciative the Community is
of the Department’s efforts. “I have seen first hand the extent of their dedication; I have
been on scenes with these extraordinary men and women and truly admire each and
every one of them,” she said.
Penn Estates would also like to encourage all residents to donate to the Department.
Send a check payable to Stroud Township Volunteer Fire Department, PO Box 807,
Stroudsburg, PA 18360.
For more information contact Penn Estates Property Owners’ Association at
570.421.4265 or firstname.lastname@example.org
“Get Our Quote”
By Maureen Robinson
“Where Every Job is Done Right...The First Time”
The Spicebush Drive Block Association held a holiday party on December 16th. The
Association was established by former Penn Estates residents Fred and Sharon Curry in Penn Estates Residents for 18 years
2004, to promote friendship among their neighbors and provide a way for everyone to
gather for some fun. Since the Currys’ departure last year, Evelyn and Willie Barbosa and
Olga and Pedro Caban, along with Pat Jackson and Maureen and Robbie Robinson, have
continued this mission by sponsoring a number of social get-togethers.
• Interior Painting
The event was held in the Oak Room and the attendees included friends, family and • Drywall Repairs
neighbors from Spicebush Drive and other neighborhoods within Penn Estates. The
delicious food was prepared by Olga, Willie and Pat. Music was provided by Edwin the • Texture and Popcorn
DJ and the dancing was non-stop. All in all, the party was a huge success and one that
Fred and Sharon would definitely approve of.
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10 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Our Cats: Feral or Otherwise Our Cats: Is it a Feral or a Stray?
By Naomi Gauntlett By Naomi Gauntlett
Trapping for the year is over. We will start again in the spring of 2007. Over 80 cats A stray will approach you, may be skittish. If you put food down, he will probably
were spayed/neutered, more than 60 kittens rescued. Northshore Animal League was a eat right away. A stray cat is often vocal, may look disheveled, as he’s not used to
tremendous help in taking most of the kittens. My vet, Creature Comforts in dealing with conditions on the street. A stray cat is usually seen at all hours of the day.
Saylorsburg, also helped with adoptions and bottle feeding; the Finkelstein family A feral cat is one that was born in the wild and has had no human contact, is silent,
helped with bottle feeding; and a couple, residents of Penn Estates, adopted one of our will not approach humans unknown to him, generally seen only from dusk to dawn,
very own Penn Estates kittens. unless really hungry. If you put food down for a feral cat, he will wait until you move
If you are available in 2007 for bottle feeding, fostering, or driving cats on a Monday away before approaching the food. A feral will not attack, but if cornered, will defend
to Northampton SPCA, please call me. I desperately need volunteers. himself. His strongest instinct is to run.
I still have 3 kittens/young cats for adoption: one orange (8 months), one black (6 This general rule usually does not apply to homeowners who are feeding cats daily.
months), and one semi-long hair gray (5 months). I recently had 2 kittens in ICU for 3 The cats will wander off, but usually hang around their feeding station come feeding
weeks. One unfortunately died. Donations towards that bill were made by Jim Quinn, time. Sometimes they will let the feeder touch them, but never pick them up. If you can
one of our residents, and by Ann Weintraub, a non-resident. Ann has been very generous pick up a cat you are feeding, it’s a stray, either tossed out or escaped from his home.
towards the vet bills for our Penn Estates kittens. Ann is a real estate agent in If you’re moving and cannot take your pet with you, think about contacting a rescue
Manhattan, so, please think about using her company should the need arise. group. Discarding the animal to fend for himself is not a good alternative. All our strays/
As you know, the Board authorized the spay/neuter of 100 cats. Under this program, ferals are because people, when leaving, discarded their unneutered/unspayed cats. After
76 cats have been spayed/neutered. Mark, who helps me trap, and I, paid for 10 before leading a pampered life, it is not fair to the animal to think he can fend for himself; he
the program was approved. The kitten adopted by our resident was neutered under the cannot. When unsterilized housecats are abandoned or lost, they and their offspring band
program, and they made the donation of $52 to cover the cost of that neuter and to help together in groups called colonies. Without human contact, they become feral (wild).
with the spay/neuter of one more cat. Their kittens learn to avoid humans. Their numbers steadily increase, even if meager
If you are, or you know of anyone, feeding feral or friendly cats, please let me know. scraps are all the food they get. Let’s be better friends to our Penn Estates cats/kittens.
Contrary to popular opinion, this is one time Penn Estates will NOT fine you. They will My goal is to educate the people of Penn Estates into recognizing the right of the
even pay to have your stray cat spayed/neutered. Once we have reached the 100 mark, feral cat to live in the environment; to improve the quality of their lives, and to
the Board will re-examine the program to see how successful it has been, to possibly humanely reduce their numbers by trap/neuter/return, a humane approach to control the
continue with another 100. This program cannot be successful without your help. feral cat population. All ferals are spayed/neutered, given rabies vaccination and a
I have heard over and over that the area by Lakeside Drive has cats all over the place. distemper shot, and their ear is tipped for identification.
I have heard Penn Estates has cats all over the place. To control the feral cat population, Some think feral cats are responsible for the decline in bird and other wildlife
I need to know where these cats are, who is feeding them, and the feeding times. The population. Studies have shown that the decline is due partly to habitat loss. Feral cats
Board does not want to know who you are; they just want to know how many cats were are rodent specialists and birds make up a small percentage of their diet.
trapped in each section. A few years ago the Central Pennsylvania Animal Alliance presented a paper on
In November I helped security with a cat problem. The poor cat’s fur was matted, he stray and feral cats (thank you Jane Harris for forwarding this). I will quote from it:
had bad upper respiratory, was riddled with ticks and had an infection raging through his • A San Francisco study documented that the songbird decline which had been
body. I named him PE Pathetic at the vet. The poor cat had to be put to sleep. Let’s take blamed on cats was actually attributable to a park landscaping program which
better care of our feral friends. With winter upon us, we need to think about keeping removed the undergrowth necessary for birds’ food and habitat.
them warm. I have already delivered cat shelters to four homes. I will be getting more. • Longwood Gardens, PA: When feral cats were trapped, neutered, released
Anyone wanting a cat shelter, please contact me. There is no charge. We want our furry and provided with litter boxes and shelters, the bird population, including
friends to be warm this winter. ground-nesting species increased. The cats became a tourist attraction. (bold
In December I helped security with a call of a friendly cat that had followed children in original)
home from school. The cat had on a red collar with a bell, so I knew it had to have an • In Baltimore, researchers found that when food was readily available, hunting
owner, but who? Happily, shortly after posting signs, the owner claimed the cat. If you plays a very small role in cat food acquisition.
have an indoor/outdoor cat, please make sure that cat has on a breakaway collar with ID If feral cats are digging in your garden here are some tips provided by Alley Cat
information (name and telephone number) And, please, spay/neuter your cat. I know Allies to help stop this:
how high vet bills are. If you cannot afford the cost, when ferals are being transported to 1. Put wooden chopsticks or 10-inch plant stakes into the soil every 8 inches.
Northampton, we will be happy to transport your cat to Northampton for the fee of $52: 2. Cover exposed ground in flower beds with large attractive rocks.
$26 for the spay/neuter, rabies and distemper shots, and a $26 donation towards the 3. Plant the herb rue to repel cats or sprinkle dried rue over the garden.
spay/neuter of a feral cat. 4. Obtain Cat Scat, a non-chemical cat and wildlife repellent – small plastic mats
My contact information: 420-1122 (weekends). you cut into smaller pieces and press into the oil. Each mat has flexible plastic
spikes that are harmless to cats and other animals but discourage digging.
5. Coffee grounds and pipe tobacco repel cats.
6. Apply cat repellant (available at pet supply stores) at favorite digging spots.
Jason W. Possinger 570.421.1326 347.400.8843
EXCAVATING • LANDSCAPING SIMMONDS S E ELECTRIC
FIREWOOD • SNOWPLOWING
INDUSTRIAL • COMMERCIAL • RESIDENTIAL
Driveway Stone • Woodchips • Mulch Maintenance and Installation
Topsoil • Fill-Dirt • Shale
(570) 588-3227 - Business 241 Upper Lakeview Drive HENRICK SIMMONDS 290 PENN ESTATES
(570) 656-7151 - Cell Phone East Stroudsburg, PA 18301 PRESIDENT EAST STROUDSBURG PA
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 11
Mrs. Clarissa Newby Phillips
Penn Estates Dance Academy Director/Choreographer,
Registration Form Dance Educator, Entrepreneur
Child Name: Mrs. Newby Phillips received a Bachelor of Fine Arts in
Dance from Rutgers University’s Mason Gross School of
Parent name: the Arts, and a Masters of Arts degree in Dance In
Higher Education from New York University. Mrs. Phillips
Address: holds N.J. Certification in Dance: Teacher of Vocational
Arts and Production. Her college experiences allowed
her the opportunity to work with modern dance artists;
Age & birth date: Claudia Gitelman, Don Redlich, Douglas Dunn, Laura Glenn and broadway
choreographer Greg Ganakas. She began training at age 15 through a
Phone: scholarship at the School of the Garden State Ballet, and continued her studies
at Gallman’s Newark Dance Theater where she became a member of the
Email: professional company in 1983. Her experiences with Alfred Gallman has
granted her the opportunity to work with known choreographers and artists such
Dance academy fees are $50.00 per month. as Talley Beatty, Eleo Pomare, Alvin Ailey, Fred Benjamin, Duane Cyrus,
Every student will be enrolled per month. Lisa Attles, Theara Ward, Freddie Moore and George Faison.
Schedule: January - June recital (6 months)
Her television and theatrical experiences include 1993 Essence Awards
$50 x 6 months = $300.00 (includes 2 classes per week) choreographed by Micheal Peters and choreographer/supporting role as
Tammy in the Gospel musical “Lord Lift Us Higher” by Jimmie Black. Her
Pocono Conservatory For The Arts professional career experiences include: Dance Specialist and Day Camp
2035 Milford Road Suite 300 Director of YWCA in Orange, N.J. ; New Jersey Performing Arts Center United
(209 n) New D&L Plaza Way Artist-in- Resident where her dance work was selected to be presented for
570-476-6600 Judith Jamison at the annual Women’s Day Luncheon, Newark, N.J.;
Monday Friday Presently she teaches Dance Education at Cicely Tyson School of Performing
5:30 - 6:45 pm: 8-12 years 5:30 - 6:45 pm: 8-12 and Fine Arts, East Orange, N.J. where she worked with and Co-Directed
6:45 - 8:00 pm: 13-15 years 6:45 - 8:00 pm: 13-15 years productions for prominent artists, historians, and political leaders such as Cicely
8:00 - 9:15 pm: 16+ 8:00 - 9:15 pm: 16+ Tyson, Louis Johnson, Rosa Parks, Christina Whittman, Maya Angelou,
Dance Theater of Harlem, etc. She is Founder, Choreographer and Artistic
Tuesday Saturday Director of the CTS Dance Company which performs for community events
5:30 - 6:45 pm: 5-7 years 10:00 - 11:15 am: 3-4 years while providing master classes and Summer Dance Camp experiences for
6:45 - 8:00 pm: ** children in Essex County.
** Additional $25.00 for African class ages 13 and older She also directs the Penn Estates Dance Academy in her PA community
founded April 2005. She is honored to be selected as co-choreographer for the
All Payments are due before entrance of class Essex County Links, Inc. Cotillion and Beautillion for 2006 and 2007.
Students are required to be in proper dress code, consistent with Mrs. Newby Phillips is the founder and Director of her own school, The Pocono
attendance and prompt! Conservatory for the Arts, LLC
Home of her professional dance
company, Phillips Pocono Dance
Theater located in East
Proper Dress Code Stroudsburg, Pennsylvania.
“Dancing with excellence
1. colored leotard based on level
portrays growth of body and
2. Flesh colored tights (convertible)
3. Pink Ballet Slippers
4. Beige tap shoes
1. White tanks shirts The Dependable Guy!
2. Black shorts or dance pants
3. Black ballet slippers/black dance socks
4. Black tap shoes
** All hair must be pulled back from face, No jewelry, No Gum.
The Paint Guy
Males must have neat hair cuts. Interior-Exterior Painting • Deck Staining • Power Washing
“You dance how you look!” (570) 894-3037
JIM IRWIN Fair Prices
710 Edgewood Road Free Estimates
Tobyhanna, PA 18466 Fully Insured
12 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Long Range Planning Committee
By Sean Reilly, LRP member
The PEPOA Long Range Planning Committee (LRP) with Norm Damron as
Chairman has been hard at work thinking, dreaming, working and tackling the hopes and
wishes of our community with respect to our future recreational, economic and civic
needs. The LRP is comprised of all the committee chairpersons (security and safety,
buildings and grounds, recreation, communications, appeals, finance, real estate,
government relations, community documents.) and meetings are open to all residents.
(Next Meeting is Saturday, February 10th at 10:00am in the Oak Room.)
The LRP and the Board met in an open meeting on this past January 13th at 9:00am
in the Oak Room in an effort to discuss dreams, wishes, land available for common use
and the realities of the costs associated with developing new recreational buildings and
amenities. Here’s what’s happening - so far - in the evolution of our Association land
1. Traffic - The back gate will be move several hundred feet further in along Penn
Estates Drive and designed with two entry gates, in order to allow swifter entry
and prevent traffic back ups onto Cranberry Drive.
2. Mail Boxes
a) The front gate mailboxes are planned to be moved to a new area adjacent Building Use Ideas:
to the playground. It will have 31 parking spaces for easy inflow-outflow. • Day care (*)
b) Back gate mail boxes will be redesigned and expanded (we may eventually • Recreation Center / Clubs /
have +/- 1700 mailboxes split between the front and back gates.) Computer study center
NOW ON TO THE BIGGIES! • Fitness Center (*)
Background: An engineering study has been completed on the existing Community • Store / Cafe / Pizza, or “Quick
Center Building. The building was originally approved for meetings and offices. It may Check” concept store (*)
cost as much as $750,000 to fully renovate it for other uses, such as a commercial day • Other stores / shops like a
care facility, a fitness center, and other recreation uses, etc., according to existing “village center” (*)
building codes. The present structure does not fulfill the Community’s needs nor is it • Animal rescue temporary shelter
handicap accessible or built to last • Community Service volunteer
Philosophy: The LRP is looking for planning ideas that would incorporate a variety help office
of building uses that would serve general community recreation/social needs, as well as • Postal facilities
those that might generate some income to help defray building and maintenance costs. NOTE (*) - These would be
The first order of business was to discuss what the community needs or wants and designed as commercial spaces that
look at the land we have left on which to build it. The LRP roundtable recorded the we would lease to businesses in
following issues as desires and wishes of the gathered group: order to generate income.
• Monroe County Transportation
Spring Cleaning! Authority shuttle bus stops for
access to downtown, Martz and the future train station.
• Internal PEPOA shuttle to lakes and recreation center and MCTA shuttle stops.
A cleaner chimney means a cleaner interior Safety and Community Service:
environment. It is more efficient and safer • A Fire Engine garage located in our rear gate maintenance complex,
• Volunteer Firemen and women needed.
for your family, too. Take advantage of our On-site Storage (*):
cleaning special now and be sure your chimney • The location of an on-site self-storage facility knowing that there were 500+/-
is clean after the winter heating season. homes built without basements, garages or attics for storage (tastefully hidden
in the large forest across from the maintenance garage at the rear gate).
Other Income Ideas:
Professional Chimney • Leasing our water towers to a needy cell phone company
• Other revenue ideas consistent with the needs of the community are welcome.
Sweep Specials $ 00
95 Available Land: Several land parcels along Penn Estates Drive were discussed as
available for use. The consensus was that the current community center site is the
logical place to renovate or rebuild a main building and the rear gate administration
We sweep your chimney, complex could be considered for a tree-lined, shielded on-site storage and possibly day
remove any debris and care or fitness center or other revenue generator.
leave your property as Finances / Debt: Obviously, a major concern in Long Range Planning for new
clean as we found it. facilities is the question of costs and debt. All of the committees and Board of Directors
are looking at the long-range plan as a balance between new construction and potential
new revenue from leased facilities. This will require much study of marketing trends and
Reliable Chimney Sweep community desires as we cautiously move toward a plan. The central idea is to keep
Penn Estates a premier, safe, clean, happy gated community - while keeping dues low.
Fully Insured and Certified This is no small task.
Please give us your comments - written or in person. Email: firstname.lastname@example.org or
Call Joe at (570) 588-0595 email@example.com
See you at the next LRP meeting.
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 13
John Quincy Adams swam nude in the Potomac River regularly at 5 a.m. This practice
Celebrating our Presidents enabled a clever woman reporter, Anne Royall, to procure an interview with the
By Maureen Robinson president by sitting on his clothing until he answered her questions.
Many of the baby boomers among us recall the days during our childhood when we Abraham Lincoln and his wife shared a great interest in psychic phenomena and held
celebrated both George Washington’s (2/22) and Abraham Lincoln’s (2/11) birthdays as séances in the White House. It is recorded that Lincoln had a dream that he had been
national holidays giving us two days off from school in February. (Yeah!!) Then in 1968, assassinated on April 14, 1865, the night before he went to Ford’s Theatre where he was
the federal government enacted legislation to standardize holidays and create a number of killed by John Wilkes Booth. After he was shot, Lincoln was moved to a boarding house
three day weekends throughout the year. As a consequence, Washington’s Day was across the street from the theatre where he was placed in a bed that had been previously
designated as the third Monday in February and evolved to include Lincoln as well as all occupied by his assassin.
those who have served as our President. And while the day is still officially called
Washington’s Birthday by the Office of Personnel Management in Washington, it is now Warren G. Harding played poker regularly while in the White House and lost an entire
popularly and in some local cases, legally referred to as President’s Day. set of White House china dating back to the administration of Benjamin Harrison.
By taking this oath of office: “I do solemnly swear (or affirm) that I will faithfully
execute the office of President of the United States, and will, to the best of my ability, James Buchanan was the first president to be born in Pennsylvania. He amassed a
preserve, protect, and defend the Constitution of the United States,” the President fortune of $300,000 by the time he was 30 years old.
becomes Chief Executive and Commander in Chief of the Armed Forces and essentially Andrew Johnson never went to school and was taught to read and write by his wife.
leader of the free world.
As chief executive, the President is empowered to administer the laws of the land. The Ulysses S. Grant smoked 20 cigars every day of his adult life. He lived to be 63.
President also manages the affairs of the nation, including developing our foreign policy.
He nominates his Cabinet members as well as Supreme Court justices and many other James Abram Garfield was our first left-handed president. There were four others:
high officials to help him run the country. Harry S Truman, Gerald R. Ford, George Bush and Bill Clinton.
In his capacity as Commander in Chief, all military leaders in the country report to the
Woodrow Wilson was such a slow learner that he was unable to read until he was nine
President. The President performs this duty as a civilian, not a military person. The
years old. However, he went on to earn a doctoral degree from Johns Hopkins
President can also declare war, with the approval of Congress.
University at the age of 30. He is the only president to earn a Ph.D.
To date, we have had 43 Presidents since George Washington, whose term in office
ran from April 30, 1789 to March 3, 1797. Those who have served as President came Herbert Hoover and his wife, Lou, would speak Chinese when they didn’t want others
from a wide variety of financial, educational and religious backgrounds. Here are some in the White House to know what they were saying.
interesting facts about the men called Mr. President.
Lyndon Baines Johnson ran away from home traveling from Texas to California where
Thomas Jefferson was the greatest of our presidential inventors, inventing the he found work as a grape picker and auto mechanic.
revolving chair, a pedometer, a machine to make fiber from hemp, a letter-copying press
and, of all things, the lazy susan. In addition, Jefferson was a skilled amateur violinist George Washington experimented with breeding bison (at is home in Mount Vernon)
and quite the singer. as a good source of meat. Washington was so popular among the French that when he
died, Napoleon ordered 10 days of mourning.
Millard Filmore did not see a map of the United States until he was 19 years old. He
grew up in a family that had only one book – a family Bible. Grover Cleveland was often at his desk until two or three o’clock in the morning. He
carefully studied every bill presented to him by Congress and vetoed over 400 of them.
Franklin Delano Roosevelt was related by blood or marriage to at least 11 other
presidents; six by marriage, five by blood. These included George Washington, John
Adams, James Madison, John Quincy Adams, Martin Van Buren, William Henry
Harrison, Zachary Taylor, Ulysses S. Grant, Benjamin Harrison, William Howard Taft
and, of course, Teddy Roosevelt.
Bill Clinton’s 1988 nominating speech for Michael S. Dukakis was so long that the
audience began shouting “Get off, get off” before he completed the speech.
Andrew Jackson is the only president to kill a man in a duel. On May 30, 1806,
Jackson shot and killed Charles Dickinson for making unflattering remarks about
Jackson’s wife. He is also the first president to be born in a log cabin.
Gerald R. Ford appeared as a model on the cover of Cosmopolitan magazine in 1942 as
well as posing in winter clothes for Look magazine in March 1940. Home Improvement Solutions
Jimmy Carter wore women’s high-button shoes in high school. Thanks to his dad, who
ordered more high-button shoes for his store that he could possibly sell, Jimmy and the 570.420.9489
other members of his family were forced to wear the shoes. Carter was a speed-reader
who could read 2,000 words per minute with 95% comprehension. 570.460.1365
Martin Van Buren, who was born in 1782, six years after the signing of the
Declaration of Independence, was the first president born in the United States. His
predecessors were all born when the United States was an English colony.
William Henry Harrison served the shortest term of any president, only 32 days from
March 4, 1841 to his death on April 4, 1841. Resident
Calvin Coolidge is the only president to be born on the Fourth of July. However,
Thomas Jefferson and John Adams both died on July 4, 1826. Licensed & Insured
Ronald Reagan was the first president to have been divorced. Also, at age 69, he was
the oldest person to be elected president.
14 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Into the Woods - Looking for Tape this inside medicine cabinet
By Harmony Staff
Leprechauns in Penn Estates • Drinking two glasses of Gatorade can relieve headache pain almost immediately
— without the unpleasant side effects caused by traditional “pain relievers.”
By Jane Harris • Colgate toothpaste makes an excellent salve for burns.
Leprechaun, everyone knows what a leprechaun looks like! Right? • Before you head to the drugstore for a high-priced inhaler filled with mysterious
They are tiny little men dressed all in green. They are two feet tall or are they three chemicals, try chewing on a couple of curiously strong Altoids peppermints.
feet tall? I did read one account of a lucky hunter holding a tiny little man in the palm of They’ll clear up your stuffed nose.
his hand. They wear a cobbler’s apron and carry a hammer. They wear a green pilgrim- • Achy muscles from a bout of the flu? Mix 1 Tablespoon of horseradish in 1 cup
like hat with a buckle. Or is it a red cap? And they make shoes for the fairies of the of olive oil. Let the mixture sit for 30 minutes, then apply it as a massage oil, for
wood. Somebody has to do it. instant relief for aching muscles.
The word leprechaun was first recorded as’“lubrican” in 1604. The meaning was • Sore throat? Just mix 1/4 cup of vinegar with 1/4 cup of honey and take 1
likened to a sort of spirit but not necessarily associated with Irish mythology. Widely tablespoon six times a day. The vinegar kills the bacteria.
accepted as a derivation of the Gaelic word ‘leipreach·n” which refers to a “pygmy”, • Cure urinary tract infections with Alka-Seltzer. Dissolve two tablets in a glass
or”“luchorp·n”, a small person the stories about leprechauns were generally local in of water and drink it at the onset of the symptoms. Alka-Seltzer begins
character and scenery rather than heroic and mythological. eliminating urinary tract infections almost instantly — even though the product
Some say they can be given to drunkenness and. loud music making parties…but the was never advertised for this use. (Note: Alka-Seltzer Plus Cold Medicine is not
leprechaun may not be the party animals they are thought to be. More likely is that the same and contains aspirin, which can cause stomach bleeding if you have
clurichauns are responsible for these inappropriate and disruptive activities. These close ulcers.)
cousins of the leprechaun are given to wild raucous behavior ….and will harness your • Honey remedy for skin blemishes - Cover the blemish with a dab of honey and
dogs or goats (if we had goats in Penn Estates) and run amuck through the wood. place a Band-Aid over it. Honey kills the bacteria, keeps the skin sterile, and
On St. Patrick’s Day between sunrise and sunset you have your best shot at a speeds healing. Works overnight.
leprechaun encounter. These guys are not always friendly and often distrustful of • Listerine therapy for toenail fungus - Get rid of unsightly toenail fungus by
mortals. Invisible most of the time, they may make an appearance if conditions are just soaking your toes in Listerine mouthwash. The powerful antiseptic leaves your
right. This may mean having just the right garden, just the right oak hollow or rabbit toenails looking healthy again.
hole and just the right attitude. Yep, we have to BELIEVE. • Easy eyeglass protection - To prevent the screws in eyeglasses from loosening,
We have to believe and then set up all sorts of contraptions to try and trap him. And apply a small drop of Maybelline Crystal Clear Nail Polish to the threads of the
why would we bother to do this? Because he has something we want. We want that Pot screws before tightening them.
O’ Gold located at the end of the rainbow. They are as I said distrustful of mortals and • Coca-Cola cure for rust - Forget those expensive rust removers. Saturate an
they think that we are downright greedy and apparently we don’t want to disappoint abrasive sponge with Coca Cola and scrub the rust stain. The phosphoric acid in
them on that note! the coke is what gets the job done.
This elusive little leprechaun could be a leftover, transmutation of a deity with an • Cleaning liquid bug killer - If menacing bees, wasps, hornets, or yellow jackets
eco-pagan past. So I would suggest behaving yourself - no stepping on bugs, shooting get in your home and you can’t find the insecticide, try a spray of Formula 409.
birds with pellet guns or complaining about deer poop. In Penn Estates we can assume Insects drop to the ground instantly.
that he might be riding a deer as a preferred mode of transportation. • Smart splinter remover - Pour a drop of Elmer’s Glue-All over the splinter, let
Perhaps you might organize a walking tour. Gather your adventuresome friends and dry, and peel the dried glue off the skin. The splinter sticks to the dried glue.
family. After scouting around for a location that has a patch of ragwort (a pretty little • Hunt’s Tomato Paste boil cure - Cover the boil with tomato paste as a compress.
weed with a yellow flower) or an interesting arrangement of rocks that might be a fairy The acids from the tomatoes soothe the pain and bring the boil to a head.
fort, remain quiet and enjoy the peacefulness of the silence and listen for the sounds of • Balm for broken blisters - To disinfect a broken blister, dab on a few drops of
the natural world around you. If you hear a tap, tap, tapping it may not be a busy Listerine antiseptic.
woodpecker but rather that one is nearby making shoes for a needy fairy. If you hear a • Heinz vinegar to heal bruises - Soak a cotton ball in white vinegar and apply it to
soft whooshing sound as a tiny wing gently brushes your face he might be near. the bruise for 1 hour. The vinegar reduces the blueness and speeds up the healing
Leprechauns and fairies are congenial and reliant upon one another and often are in process.
close proximity. This is an example we might follow, caring for one another and all • Kills fleas instantly - Dawn dish washing liquid does the trick. Add a few drops
aspects of life. to your dog’s bath and shampoo the animal thoroughly. Rinse well to avoid skin
Chasing down a rainbow to find the pot of gold is futile. It has no end and is never irritations. Goodbye fleas.
connected to the landscape and moves with you. We have to consider if we would be • Rainy day cure for dog odor -
best just enjoying the phenomenon. We have the mountain, the woods teeming with life, Next time your dog comes in from the
cycles of seasons changing, a strong community spirit and if we’re lucky, an occasional rain, simply wipe down the animal with
rainbow. Bounce or any dryer sheet, instantly
It’s all good. Good as gold. making your dog smell springtime fresh.
• Eliminate ear mites - All it takes
is a few drops of Wesson Corn Oil in
your cat’s ear. Massage it in, then clean
with a cotton ball. Repeat daily for 3
days. The oil soothes the cat’s skin,
30 people wanted to lose weight smothers the mites, and accelerates
Up to 30 lbs / 30 days • Quaker Oats for fast pain relief -
It’s not just for breakfast anymore! Mix
Cash back rewards 2 cups of Quaker Oats and 1 cup of
water in a bowl and warm in the
microwave for 1 minute, cool slightly,
Call 570-213-0285 and apply the mixture to your hands for
soothing relief from arthritis pain.
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 15
HARMONY staff member Jane Harris’ painting entitled “Blackbirds” will be part of
the exhibition, “Reverence for All Living Creatures” based on the philosophy and
writing of Dr. Albert Schweitzer. The exhibition runs from January 27th through
February 18th at Victory Hall in Jersey City, NJ. Go to www.victoryhall.com for more
Additionally a mixed media work. “The Death of Grisabella” has been submitted for
exhibition in the 30th Annual Small Works Show. The exhibition runs from February 3-
March 9, 2007 at the 80 Washington Square East Galleries in NYC.
Featuring Longaberger Baskets
Sponsored by Arlington Heights Elementary PTA
DATE: Sunday, March 11 at 1PM ROOFING
WHERE: Jackson Township Fire Hall on Route 715 All types of roofs
(less than 10 minutes from Penn Estates) repaired and
COST: $20 advance purchase, $25 at the door. replaced. Insured.
Your ticket entitles you to 20 rounds of Bingo with a Guaranteed two-
Longaberger product as the prize. There will be day completion.
refreshments, raffles, a 50/50 and a door prize. Call Paul:
Arlington families, Penn Estates residents, friends, (570) 328-5173
neighbors and family are all welcome to join. or (570) 643-6397
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 17
The Rules We Live By Amended and Restated Declaration for
By Frank Sanchez, President Penn Estates, a Planned Community
This 4-page pull-out section contains copies of our Under The Pennsylvania Uniform Planned Community Act, 68 Pa.C.S.A. §5101, etc.
proposed Covenants and Articles of Incorporation for
THIS IS AN AMENDED AND RESTATED DECLARATION made this _____ day of
PEPOA as recommended by the Community Documents ________________, 200__, by PENN ESTATES PROPERTY OWNERS
Committee and approved by the Board of Directors. At the ASSOCIATION, INC. a Pennsylvania nonprofit corporation with an address of
appropriate time, each document needs to be approved by Penn Estates Drive, Post Office Box 129, Analomink, PA 18320 (the “Declarant” or
you, homeowners of the community, according to State the “Association”).
Law. We are printing them here for your review in order to provide you with
ample opportunity to read and digest them.
I. The Association is the owner of the real property constituting all common
Private communities, such as ours, are governed under state law under PA Act elements in the residential planned community developed under the
180 and as subsequently amended. The recent amendments to the Act incorpo- promotional name Penn Estates, located in Pocono and Stroud Townships,
rated more “corporate law” into community governance in addition to the previ- Monroe County, Pennsylvania (the “Common Elements” in “Penn
ous heavy reliance of real estate law. The upshot more flexibility was given to Estates” or the “Community”). The Common Elements (1) are subject to
the Board of Directors to “run” the community for the betterment of all. Act 180 non-exclusive rights of use vested in all owners of residential lots (inclusively
the “Owners” of “Lots”) shown on the recorded subdivision plans for Penn
is the supreme direct statute from which the other documents follow.
Estates; (2) are managed and maintained for the benefit of the Owners by
Next in the hierarchy are the Covenants. These are often a part of your deed the Association; and (3) are used by the Owners and others, but subject to
and gives in broad terms the restrictions as to what the individual properties in regulation by the Association.
Penn Estates are subject. Examples would be the restriction to single family II. The Association is the successor in interest to rights of developer of the
residential vs. multiple units housing (apartment buildings or condos). Since community, Cranberry Hill Corporation (the “Original Declarant”), by
Penn Estates was built in sections over a 20+-year period, may homeowners have virtue, among other things, of a deed from the Original Declarant recorded in
Monroe County Deed Book Volume 2049 at page 5950, etc, and by an
variations of the covenants differing from others imposed by the developer over
Assignment of Declarant Rights from the Original Declarant recorded in
that time span. The proposed Covenants allows for the entire community to Monroe County Record Book volume 2046 at page 7784, etc. The deed
operate under a single set of standards. Approval of the Covenants requires 2/3 of conveyed the Common Elements in Penn Estates to the Association. All of the
the membership (property owners) to vote in the affirmative. Watch for further recorded instruments by which The Association has acquired real property
announcements and mailings detailing the procedures to accomplish this. Prop- rights and other rights in the Community are incorporated here by reference.
erty owners who are not in good standing are still eligible to vote on the Cov- III. The Common Elements and Lots were subjected by the Original Declarant to
several different schedules of covenants, conditions and restrictions
(collectively the “Deed Restrictions”), which, by their own terms are
Next in line, are the Articles of Incorporation. The version approved by your intended to run with the land.
Board of Directors is included in this issue. These articles direct as to how the IV. All versions of the original Deed Restrictions are now quite dated, are very
corporation is formed, the naming of officers, and how the business of the limited in scope, and therefore are inadequate legally to assure proper
corporation is to be conducted. This cannot be in contradiction with the funding, operation and management of the Community in the future.
Covenants or Act 180. If unintentional contradictions occur, the next higher V. In order to provide a new legal foundation for the future development and
operation of Penn Estates using a modern framework of rights and duties
order of governance applies.
governing the Community, the Association’s Board of Directors and
The By-laws of the Association is next in line. These are fairly fixed rules, membership have established a new declaration of protective covenants,
policies, etc. by which the association conducts its’ business. Your Board of restrictions and easements, etc., as published in this document (the
Directors is currently in the process of revising these. Approval of the By-laws “Declaration”).
requires a 75% vote of the membership in attendance at a special meeting called VI. Owners of Lots in Penn Estates, for themselves and their respective heirs,
for this purpose. A minimum of 100 property owners must be present for this successors and assigns, have voted to amend all of the Deed Restrictions and
to bind all Lots and the Common Elements legally under this Declaration, as
vote to be held either in person or by directed proxy. Normally this is done at the
permitted under the Pennsylvania Uniform Planned Community Act (the
annual meeting. In order to vote on the bylaws you must also be a member in “UPCA”), 68 Pa.C.S.A. §§ 5102(d) and 5219. The Declaration creates one
good standing. Once again, these cannot be in contradiction with the Covenants uniform declaration for the Community based on the affirmative votes of
or Act 180. If unintentional contradictions occur, the next higher order of Owners of more than 67% of the Lots in the Community. Its effective date is
governance applies. We hope to have a proposed version of these for you very its date of recording. All terms used in this Declaration are intended generally
soon. to have the meanings found in the UPCA; the term Lot, though, shall mean a
Unit under the UPCA. Only the retroactive sections of the UPCA currently bind
Lastly, there are the Rules and Regulations of the Association. These are the
the Community since the Deed Restrictions predate the effective date of the
most junior in the hierarchy of the rules we live by. Typically it is here where UPCA, February 2, 1997.
you would find fee schedules, speed limits, codes of conduct at common VII. The Association intends, by this Declaration, to continue to impose on Penn
facilities, etc. These rules and regulations can be adjusted, amended, eliminated, Estates a scheme of mutually beneficial servitudes as part of a
or added on to by a simple majority of the Board of Directors at a regularly comprehensive general plan of development for the Community for the
scheduled meeting. Once again, these cannot be in contradiction with the benefit of all Owners of real property within Penn Estates.
VIII. The Association desires to provide flexible and reasonable standards and
Covenants or Act 180. If unintentional contradictions occur, the next higher
procedures for the continuing development and operation of Penn Estates, to
order of governance applies. confirm the method for administration, maintenance, preservation, use and
Watch out for further information and how you can participate in bringing our enjoyment of property in Penn Estates, and to promote a dynamic, healthy,
Documents up to current standards. Questions should be directed to PEPOA safe, neighborly and attractive Community.
18 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Declaration Section C. Rules and Regulations.
The Association declares that all of the Common Elements and all Lots in Penn 1. The Association, through its Board of Directors, may make and enforce
Estates are legally bound by the easements, restrictions, and covenants, etc. stated Rules and Regulations, which among other things may govern the
in this Declaration. This Declaration is an amendment and restatement of all earlier occupancy and use of Lots and Common Elements in the Community, and
Deed Restrictions, authorized by a vote of the Owners of Lots in the Community. which Rules and Regulations shall be consistent with the rights and duties
This Declaration, as amended from time to time, shall be the sole and exclusive established by this Declaration.
declaration for the Community. 2. The Association, through the Board, by contract or other agreement, shall
This Declaration is intended to protect the value and desirability of all of the Lots have the right to enforce county or municipal ordinances and to permit a
and Common Elements in Penn Estates, and shall benefit all Owners and the County or a municipality to enforce ordinances in the Community for the
Association. This Declaration shall run with the land, meaning it is attached legally benefit of the Association and its Members.
to the Lots and Common Elements even with changes of ownership. It shall also
bind all parties having any right, title, or interest in the Lots and Common Elements, Section D. Specific Powers of Association. The powers of the Association shall
and their respective heirs, successors, successors-in-title and assigns. include those expressed or implied in common law, public laws and regulations, this
Declaration, the Articles of Incorporation of the Association and the Bylaws. Unless
ARTICLE I. otherwise expressly provided, the Board of Directors shall exercise all powers of the
Property Rights Association.
Section A. General Property Rights. Every Owner shall have nonexclusive rights of
easement for ingress and egress, and for use and enjoyment in and to the Common ARTICLE IV.
Elements, which shall be appurtenant to and shall pass with the title to every Lot, Assessments
subject to: Section A. Creation of Assessments. There are hereby created Assessments for
1.this Declaration, as it may be amended from time to time, and to any Association expenses as may from time to time specifically be authorized by the
restrictions or limitations contained in the deeds conveying the Common Board of Directors, as provided for in this Article and in the Bylaws of the
Elements to the Association; and Association. There shall be two (2) types of Assessments: (a) annual Assessments
2. the right of the Association to: to fund annual common expenses and capital reserves for the benefit of all
a. limit the number of users or guests, and to adopt Rules and members of the Association and to others, and (b) special Assessments as
Regulations pertaining to the use and enjoyment of the Common described in the Bylaws.
b. suspend the right of an Owner to use the facilities within the Common Section B. Lien for Assessments, etc. The Association shall have an automatically
Elements other than the roads in accordance with the Bylaws; perfected lien on a Lot as permitted by law for all unpaid Assessments and for all
c. dedicate or transfer all or any part of the Common Elements pursuant other statutorily authorized charges related to the Lot.
to this Declaration;
d. impose reasonable membership requirements, assess the Owners (as ARTICLE V.
discussed below) and charge users reasonable admission or other fees Architectural Standards
for the use of any recreational facilities in the Common Elements; Section A. General. No construction (which term shall include within its definition,
e. mortgage, pledge or hypothecate any or all of its real or personal but shall not be limited to, staking, clearing, excavation, grading and other site
property as security for money borrowed or debts incurred; work, exterior alteration or modification of existing improvements), improvements,
f. grant easements, leases, licenses and concessions through or over the or modifications shall take place within Penn Estates (1) except in compliance with
Common Elements, and dedicate or convey all or a portion of the this Article, the Bylaws and the Rules and Regulations of the Association; (2) until
Common Elements to a governmental authority or publicly regulated the requirements of them have been met; and (3) until the approval of the
utility; or convey or otherwise transfer a legal or equitable interest in all Association has been obtained.
or a portion of the Common Elements to any other owners association;
and ARTICLE VI.
g. otherwise exercise all rights and assume any duties permitted by Use and Ownership Restrictions
legislation affecting planned communities, now in existence or passed Section A. General. Property in Penn Estates shall be used, as specified below, that
in the future, in the Commonwealth of Pennsylvania. is, only for residential, recreational, community service and related purposes (which
includes, without limitation, offices and facilities of the Association and assigned
ARTICLE II. concession service uses) as may more particularly be set forth in this Declaration
Membership and Voting Rights and any amendments to it.
Section A. Membership. Every Owner is mandated to be a Member of and shall be
deemed to have a membership in the Association. Section B. Use of Common Elements.
1. Subject to the provisions of this Declaration, every Owner shall have a
Section B. Voting. Except as otherwise provided in the Bylaws, the Association shall conditional right and easement of access across and to, and a right and
have one (1) class of membership. easement of use and enjoyment of the Common Elements. All easements
of access to and enjoyment of the Common Elements shall pass with title
ARTICLE III. to every Lot.
Rights and Obligations of the Association 2. Owners’ easements of access and enjoyment in the Common Elements
Section A. Common Elements. The Association, or its agent, subject to the rights of shall be subject to the following:
the Owners set forth in this Declaration, shall be responsible for the exclusive a. the right of the Association to establish reasonable rules with respect to
management and control of the Common Elements, and all Common Elements the use of the Common Elements; and
improvements pursuant to the terms and conditions of this Declaration and b. the provisions of this Declaration and other Community legal
consistent with community-wide standards. documents.
Section B. Personal Property and Real Property for Common Use. The Association, Section C. Enforcement. Subject to a duty of care and undivided loyalty to the
through action of the Board of Directors and in compliance with Association Bylaws, Association and its Members, the Board of Directors shall have authority to make
may acquire, hold, and dispose of real estate and any other types of assets, as it and to enforce rules that adopt standards governing the use of the Community in
deems necessary in the course of its affairs. addition to those contained in this Article, and to impose reasonable user fees for
use of Common Elements. Prior to any action being taken, the Board shall comply
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 19
with Bylaw requirements and provisions of the Association’s regulations. The Board Section C. Access Ways. The Lots and Common Elements shall be and are hereby
shall have all powers necessary and proper, subject to its exercise of sound made subject to non-exclusive easements in favor of the Owners and their lessees,
business judgment, to effect these enforcement powers. invitees, respective successors, heirs and assigns, and the Association for
pedestrian and vehicular traffic on, over, through and across access ways as the
Section D. Single Family Restrictions. No residential Lot shall be (1) improved with same may from time to time exist and for pedestrian and vehicular traffic on, over,
more than one residential dwelling; (2) occupied by more than one single family at through and across all roads and unimproved portion of the Lots and Common
any time; and (3) used for any purposes other than residential purposes which shall Elements as are convenient or necessary for the use, development and operation of
not adversely affect the character of the neighborhood or community. any other property of the Association, whether currently owned, previously owned
or acquired in the future by the Association.
Section E. Timeshare, Leasing and Fractional Ownership. No residential Lot shall be
owned, leased, used or otherwise occupied under any kind of interval, fractional or Section D. Other Rights. The Lots and Common Elements shall be and are hereby
time-shared legal scheme. Improved residential Lots may be leased, however, made subject to easements for the installation, repair, maintenance, use, removal
under bona fide, conventional residential leases on a rental form with minimum and replacement of pipes, swales, electrical wiring and all other utilities that serve
terms acceptable to the Penn Estates Property Owners Association, as provided in the Lots and/ or the Common Elements. They also include rights of access, ingress,
the Association rules and regulations. egress and regress to carry out these services. The Association also reserves the
right to establish, from time to time, additional utility and other easements, permits
Section F. Central Utility Systems. The buildings on Lots that are now or later or licenses over the Lots and Common Elements, for similar purposes.
served by a central utility system must be connected to the main lines of the central
utility system. The Owner of each Lot hereby covenants and agrees to pay all Section E. Roads and Parking. The Board of Directors shall regulate parking in the
proper charges for the central utilities’ services. Common Elements by means of appropriate Rules and Regulations. The Association
also has the right to establish other parking and roadways for itself, the Owners and
all other persons.
General Provisions Section F. Recorded Easements. The Lots and Common Elements shall be subject to
Section A. Term. This Declaration shall run with and bind the Lots and Common all easements shown on any recorded Plat or Final Plans affecting the Lots and
Elements, and inure to the benefit of and shall be enforceable by the Association Common Elements, or any portion of them, and to any other easements of record
and the Owner of any property subject to this Declaration, and their respective legal or in use as of the date of recordation of this Declaration.
representatives, heirs, successors, and assigns. The term of this Declaration is
perpetual unless legally terminated under the requirements of the UPCA. Section G. Emergency Easement. A general easement is hereby granted to all
police, sheriff, fire protection, ambulance and all other similar emergency agencies
Section B. Amendment. This Declaration may be amended as follows: or persons to enter upon all streets and upon the Lots and Common Elements in
a. At any time by the Board of Directors alone, if the amendment is to the proper performance of their duties.
correct any matter, which is incorrect by reason of a scrivener’s or
surveyor’s error. Section H. Maintenance Easement. An easement is hereby reserved to the
b. By a sixty-seven percent (67%) majority of the total votes of the Association, and granted to the Association, and their respective contractors,
Association, subject to any other requirements of the UPCA. officers, agents, employees and assigns, upon, across, over, in, and under the Lots
2. Any Amendment of the Declaration, which requires a vote of the and Common Elements and a right to make use of the Lots and Common Elements
membership of the Association, shall only be valid if notice of the subject as may be necessary or appropriate to make emergency repairs or to perform the
matter of the proposed Amendment is given in the manner for delivery of duties and functions which the Association is obligated or permitted to perform
notice prescribed by the Bylaws. pursuant to the Community Documents, including the right to enter upon any
3. No amendment shall be adopted which materially and adversely affects the Common Elements or Lots for the purpose of performing maintenance.
easement rights of an Owner.
4. All amendments to this Declaration shall be recorded after execution and Section I. Drainage Easement. An easement is hereby reserved and granted to the
shall contain an Association officer’s certification, where applicable, of Association, its officers, agents, employees, successors and assigns to enter upon,
proper notice to the Association Members. across, over, in and under any portion of the Community for the purpose of
5. If an Owner consents to this Declaration or any amendment to this changing, correction or otherwise modifying the grade or drainage channels of the
Declaration, it will be conclusively presumed the Owner has the authority Community so as to improve the drainage of surface water. Best efforts shall be
so to consent, and no contrary provisions in any mortgage or contract made to use this easement so as not to disturb the uses of the Owners and the
between the Owner and a third party will affect the validity of any Association. Best efforts shall also be made to the extent possible, to complete
amendment. drainage work promptly and expeditiously, and to restore any area affected by that
work to a sightly and useable condition as soon as reasonably possible following
Section C. Severability. Invalidation of any of the terms of this Declaration by that work.
judgment or court order shall in no way affect any other provisions, which shall
remain in full force and effect.
Other Rights and Duties
ARTICLE VIII. Section A. Other Declarations Prohibited. No Person shall record any other
Easements declaration of covenants, restrictions and easements or declaration of condominium
Section A. Owners’ Easements. All easements of Owners described in this or similar instrument affecting any portion of the Community without the Board of
Declaration are easements appurtenant to the Lots, running with the land. Directors’ review and an amendment of this Declaration. Any attempted recordation
without compliance with this requirement shall result in the declaration of
Section B. Utilities Easements. The Common Elements shall be and are hereby covenants, restrictions and easements or similar instrument being void and of no
made subject to easements in favor of the appropriate utility companies, their force and effect unless subsequently approved by recorded amendment of this
successors and assigns, for services as are in the opinion of the Association, Declaration.
desirable or necessary to serve the Community adequately, including the right to
access, ingress and regress to carry out these services.
20 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Section B. Enforcement; Attorney’s Fees; Alternative Dispute Resolution. COMMONWEALTH OF PENNSYLVANIA:
1. If any person subject to this Declaration fails to comply with any provisions COUNTY OF MONROE : SS
of the Declaration, the Bylaws, the Rules and Regulations or other On this ____ day of _____________________, 200__, before me, a Notary
applicable law, any person adversely affected by the failure to comply has a Public in and for the Commonwealth of Pennsylvania, the undersigned officer,
claim for appropriate relief. A court or other decision maker, in any personally appeared ____________________________________, who
appropriate case, shall also award court costs and reasonable attorney’s acknowledged himself/herself to be the President of Penn Estates Property Owners
fees to the prevailing party. Association; and that he/she, as that officer, being authorized to do so, executed
2. Parties to a dispute under the Community’s legal documents may agree to the foregoing Declaration for the purposes contained in the Declaration by signing it
resolve the dispute by any form of binding arbitration or by non-binding by himself/herself, as President, intending that it be recorded on public record as
alternative dispute resolution, but only if the parties agree to do so in authorized by law.
writing. IN WITNESS WHEREOF, I hereunto set my hand and official seal.
Section C. Association Self-help – Document Violations. After giving three (3)
written monthly notices to the Owner of a Lot of the existence of any continuing ______________________________________
unremedied violation of the Community’s legal documents, the Association may go [SEAL] Notary Public
onto the Lot and use reasonable means to remedy the violation, if possible. The
Association shall also have a lien as provided under law for all its related costs and
expenses in doing so.
COMMONWEALTH OF PENNSYLVANIA :
Section D. Association Self-help – Emergencies. In an emergency, the Association COUNTY OF MONROE : SS
may act in a reasonable manner to address the emergency on a Lot, shall attempt On this ____ day of _____________________, 200__, before me, a Notary
to give notice of the situation to the Owner of the Lot when appropriate, and shall Public in and for the Commonwealth of Pennsylvania, the undersigned officer,
not incur liability for its emergency actions. personally appeared ____________________________________, who
acknowledged himself to be the President of Cranberry Hill Corporation; and that
he, as that officer, being authorized to do so, executed the foregoing Consent to
IN WITNESS WHEREOF the Association has caused this Declaration to be executed the Declaration for the purposes contained in the Consent to the Declaration by
by its officers this ___ day of _______________________, 200___. signing it by himself, as President, intending that it be recorded on public record.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
Penn Estates Property Owners Association, Inc. ______________________________________
[SEAL] Notary Public
Secretary [Corporate Seal]
Consent of the Original Declarant
Cranberry Hill Corporation hereby consents to the amendment of the Deed
Restrictions for the Penn Estates Community as stated in the Amended and
Restated Declaration of Covenants for Penn Estates, a planned community. The
terms of the Assignment of Declarant Rights between Cranberry Hill Corporation
and the Penn Estates Property Owners Association referred to in the background
recitals that are not modified by this Amended and Restated Declaration shall still
remain in effect.
Dated: _______________________ ____, 200__
Cranberry Hill Corporation
Secretary [Corporate Seal]
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 21
Make Your Voice Heard! come and speak with them briefly. You will then be asked to write a short biography for
By Ellen Stanley yourself and submit it along with a picture of yourself to the Harmony issue that will be
Penn Estates is run by a Homeowners’ Association, which means that if you own a published shortly before the annual meeting. You will also be asked to prepare a short
home here you have the power to make your voice heard and bring about changes to speech to be delivered at the volunteer dinner and again at the annual meeting prior to
make the community better. All major decisions are made by the governing body of voting. These things will help the membership to get to know you and your ideas before
volunteers called the Board of Directors and you could be one too. All these positions the election process takes place.
are elected from the membership of the Home Owners Association at the annual meeting The second way to become a candidate is to collect 50 signatures from 50 members
on the first Saturday in May. The requirements for a Board position are simple: you in good standing (one signature per lot) in Penn Estates. You must then submit a
must be a property owner in good standing, must be at least 21 years of age, and must be biography and a picture to the Harmony and make a presentation at the volunteer dinner
willing to make a time commitment to fulfill the duties of a Director. The time and the annual meeting.
commitment means more than just attending monthly meetings. It means being available The election itself is easy and fast. The results are announced at the annual meeting
for special meetings, community functions and telephone and E-mail communications. and newly elected Board members go directly into executive session to choose Board
There are two ways to get on the ballot for the election this coming May. The first is officers for the coming year.
to pick up a simple two page application in the office. Fill out the application and return Serving as a Director on the Board may not always be an easy job, but it can be a
it to the office by the date specified in the Board Elections Timeline (usually around mid satisfying and fulfilling one. As a Director, the opportunity exists to make a difference
February). You will then be contacted by the Nominating Committee and be asked to and to help the community progress. As a Director, make your voice heard.
Committee Updates Security & Safety Committee Needs You
• Dick Thomas has been named the new Board Liaison for the Security By Mario Gonzalez
Committee. Also, please note the committee has changed it meeting time from Chair Security & Safety Committee
1:00 pm to 5:30 pm on the first Wednesday of the month. If you have some spare time once a month we are looking for volunteers to sign-up
• The REGULARLY SCHEDULED MEETINGS of the Wildlife Committee are and join our committee. You can pick-up a volunteer form at the office between the
the second Wednesday of each month at 7:30 pm in the Oak Room. hours of 8am-4pm. All who are available are welcome. Come and help make a
• John Bradley has been named Chairperson of the Finance Committee. difference in keeping your community safe.
Did you know:
• 75 homes are presently for sale in Penn Estates
• 125 homes have sold in Penn Estates year to date
of the Poconos • The highest priced home in Penn Estates sold
Route 209 & Glen Lane for $325,000 in 2006.
HCR#1, Box 598 (Information provided through Pocono Mountain Assoc. of Realtors MLS Service)
Sciota, PA 18354
(570) 476-1695 Stroudsburg
(570) 402-8508 Direct For up-to-date information from
(570) 992-2700 Sciota
your Penn Estates Specialist,
ASSOCIATE BROKER www.cristinaprimrose.com call Cristina Primrose today!
• Competitive Commission Rates
• Over $18 Million in Closed Sales in 2005 & 2006
• Full Time Agent with Licensed Assistant
• 100% Client Satisfaction in Penn Estates Outstanding Agents.
Keeping you informed every step of the way!
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 23
Test your Presidential Knowledge Choose a president from the list below to answer these questions:
Quiz #1 1. Which president kept live bears on the front lawn of the White House? ____
Indicate next to each President, the years of his term(s): 2. Who issued an order that forbade swearing throughout the U.S. Army? ____
3. Who was the first president of all 50 states? ____
President Term 4. Who was the first president to wear contact lenses? ____
___ Andrew Jackson a. 1809-1817 5. Who was the last president to wear a beard? ____
___ Calvin Coolidge b. 1861-1865 6. Who was the first president to be born west of the Mississippi River? ____
___ Jimmy Carter c. 1881-1885 7. Who was the first president to be born at home? ____
___ Chester Arthur d. 1977-1981 8. Which president weighed less than 100 pounds? ____
___ James Madison e. 1829-1837
___ Abraham Lincoln f. 1923-1929 a. James Madison b. Dwight D. Eisenhower
c. Abraham Lincoln d. Herbert Hoover
e. Thomas Jefferson f. Calvin Coolidge
Quiz #2 g. George Washington h. Ronald Reagan
Match the President with his Vice President: i. Benjamin Harrison j. Jimmy Carter
President Vice President
___ Lyndon B. Johnson a. Charles W. Fairbanks 8. a Madison
___ John Adams b. Adlai Stevenson 7. j Carter
___ Theodore Roosevelt c. Richard M. Nixon 6. d Hoover Cleveland – b Lincoln – b
5. i Harrison Lincoln – d Madison – a
___ Dwight D. Eisenhower d. Hannibal Hamlin 4. h Reagan Eisenhower – c Arthur – c
___ Abraham Lincoln e. Hubert H. Humphrey 3. b Eisenhower Roosevelt – a Carter – d
___ Grover Cleveland f. Thomas Jefferson 2. g Washington Adams – f Coolidge – f
1. e Jefferson Johnson – e Jackson – e
Answers to Quiz #3 Answers to Quiz #2 Answers to Quiz #1
ATTENTION HOMEOWNERS A blizzard of FUN and
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Car Loans Roofing Feb. 24 - Michelob Downhill Challenge Feb. 25 - Scout Challenge Race
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Personal Loans Heating Systems
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Call 1-800-714-3801 February 14 - Happy Valentine’s Day: Come in for our Sweetheart Special
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www.hrcinfo.com March 11 - St. Patrick’s Day Celebration
*Applications will be taken in the order received. VISIT OUR WEBSITE at www.alpinemountain.com for current
snow conditions, updates, events and special discount coupons
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24 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
New Homeowners Real Estate Update
Welcome to our community. We are so pleased that you have chosen to join Penn By Lisa Sanderson
Estates as the place to settle and raise your families. Information gathered from the Pocono Mountains Association of REALTORS’ Multiple
Listing Service on January 15, 2007.
SECTION – A SECTION–– E
Active Listings Pending Sales* YTD Sales
Moran, Arturo & Nancy Cobb, Barbara
Total 76 4 0
Allvin, Eric Boyle, Joanne
Lowest List Price $134,900 $173,900 NA
Corrales, Horacio & Elvira
Highest List Price $445,900 $387,500 NA
SECTION – B Pinto, Joffre & Virginia
Average List Price $231,144 $243,600 NA
Lawler, Thomas & Sabourin, Stephen Seepersaud, Khameraj & Penna, Jennifer
Average Square Feet 1,988 2,434 NA
Lawler, Thomas Rosado, Eric
Average Price/Sq.Ft. $121.46 $104.82 NA
Seepersaud, Khameraj & Penna, Sierra, Leobardo
Average Days/Market 109 167 NA
Jennifer, Seepersaud, David Giordano, Christopher & Eva
St. Hubert, Guermont Pena, Maria & Lopez, Myrna *Pending Sale information reflects only list prices as sold information is not available
Skiba, Jerzy & llona Ruffin, Barbara until the sale is final. YTD Sales are sales that closed since 1/1/06.
Interesting Yearly Comparisons:
SECTION – C, C1, C2, C3, C4 SECTION – F
2006 2005 2004 2003 2002 2001 2000
Flagg, George Cabassa, Martin & Melendez, Jennie
# Listings Sold 125 151 161 140 125 132 89
Barca, Domingo & Christine Cruickshank, Phillip
Avg. Sold Price (x1,000) 199.5 192.2 166.7 151.4 127.5 117.7 109.3
Somwar, Kemwatty Alston-Short, Angelique
Avg. Price Per Sq.Ft. 110.5 101.4 93.0 83.71 71.77 63.92 60.31
Cardona, Joseph Hughey, Michael & Joanne
Avg. Days on Market 101 75 92 87 140 168 176
SECTION – D
Conway, Brian SECTION – G
Foraci, Vito Barriga, Victor & Lucy
Lim, Jeffrey & Egasan, Arthur
Gypsy Moths - Search and Destroy Property Owners Association
By Sean M. Reilly, Ecologist
El Nino is here again! Is it global warming and El Nino or just global warming or
just El Nino - who knows - But last year Russia had its coldest winter in a hundred 3445 Penn Estates Administration Ofﬁce hours
years. This year the mid-western US is frozen solid and there is no snow in the Alps or East Stroudsburg, PA 18301 Mon.-Sat. 8 am-4pm
the Poconos! Phone 570-421-4265 Email: firstname.lastname@example.org
Hopefully Mother Nature will lay down a soft white blanket or two before the spring Website: www.pepoa.org Ron Gatti, Operations Manager
buds bloom in the ski resorts of the Poconos. Carrie Ridner, Property Manager
What does El Nino weather have to do with a possible Gypsy Moth invasion?
Everything! If El Nino stays and gives a wet but cool spring, the forest’s natural moth BOARD OF DIRECTORS COMMITTEES
killing bacteria and fungi will kill off the moths when they get to be halfway grown. If
Frank Sanchez Appeals Chair: Nancy Padilla
El Nino gives us warm drier winds and little rain as it fades away, then most of the President
Gypsy Moths will grow to maturity - and their voracious leaf munching and prodigious 2nd Saturday 10 am
pooping pellets will drive us all to disgust for a long three months from April to June. Lisa Sanderson Buildings, Chair: George Little
Last year most of the nearly adult Gypsy Moths died before they laid eggs. However, Vice-President Grounds, & Roadways 2nd Saturday 8 am
not all died. One female moth lays one batch of up to 800 eggs. These will grow into Communications Chair: Maureen Robinson
800 two-inch long caterpillars munching your tree. If you can see 2 or 3 or 4 egg Anthony Stevens-Arroyo 2nd Saturday 9 am
clusters on your tree that will equal 1600 to 3200 two-inch long caterpillars - your tree Secretary
Community Chair: Peg Damron
will be shredded clean if they all live. Documents 1st Thursday 3pm
Since the cold rainy spring last year helped kill most (but not all) of the caterpillars,
Treasurer Finance Chair: John Bradley
neither the state, nor county, nor municipality, nor PEPOA has set aside the $80,000 it
3rd Saturday 8 am
would take to spray our entire 1600 acres of forest (just in Penn Estates alone). Robin Hightman
So what can you do to help the trees and shrubs in your yard if some had eggs laid on Government Chair: Sean Reilly, Jodi Reilly
them? (OOPS sorry - there are no shrubs in the yard - our over abundant deer ate them): Relations 2nd Tuesday 7 pm
1. Go out and look at the bark on each of your trees. Look for Gypsy Moth egg Robin Johnson Long Range Planning Chair: Norm Damron
masses. They look like fuzzy brown football shaped patches about an inch long. Director
Real Estate Chair: Charles Jenkins
2. If you find egg masses, don’t scrape them off onto the ground. Put a few 4th Wednesday 7:30 pm
ounces of soapy water into a plastic bag and scrape all the eggs into the bag. Jose Padilla
Director Recreation Chair: Marylou Smith
Seal and dispose of the bag in the trash.
1st Monday 7 pm
So EVERYBODY - Get out in your yard NOW before the trees begin to bud in
Dick Thomas Security & Safety Chair: Mario Gonzalez
March and scrape of those egg masses. If you wait till they hatch and climb the tree, it is Director
too late. 1st Wednesday 5:30 pm
NOTE: If an infestation occurs next spring you can hire a licensed pesticide Bob Pasquin Wildlife Chair: Sean Riley
contractor to spray your trees - but it is very expensive and it kills every insect - Vice President, Public Affairs 2nd Wednesday 7:30 pm
including butterflies and bees and all the good ones too.
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 25
Black Inventors’ Contributions Senior Happenings
to a Better World By Thomas J. English
Our group met and the formula for
will do an excellent job. If not go get him
Paula. Once again a big thank you to
By Maureen Robinson success seems to be working. The last George and Elaine Little for their assis-
The contributions of black inventors over the years, particularly during our early meeting in November was a luncheon at tance in keeping things moving.
history are not as well documented as the work of their white colleagues. The number of Stroudsmoor Country Inn. It was attended
inventions is remarkable, considering the society in which they lived. Below are a few of by twelve of the group and a good time A Few Parting Words
the very interesting devices of these highly creative people. was had by all. Bob you gave me something to do
Miriam E. Benjamin was a school teacher living in Washington D.C. In 1888, Ms. It was decided that a luncheon for So now I have to write a poem for you
Benjamin received a patent for an invention she called a Gong and Signal Chair for Christmas was in order so back to It will turn out to be a windy day
Hotels. Her chair, as she stated in her patent application would “reduce the expenses of Stroudsmoor Country Inn we went. The And for no snow we must pray
hotels by decreasing the number of waiters and attendants, to add to the convenience and same twelve were there and after lunch we The food was good the company great
comfort of guests and to obviate the necessity of hand clapping or calling aloud to obtain adjourned to the Oak Room in Penn To share this day with you again I
the services of pages.” Estates for coffee and an exchange of gifts. Would not hesitate
The system worked by pressing a small button on the back of a chair which would The exchange of gifts was accom- The clouds I hope will stay in the sky
relay a signal to a waiting attendant. At the same time a light would illuminate on the plished by picking corresponding cards It didn’t hurt to have the cataract
chair allowing the attendant to see which guest was in need of assistance. The system was that were called out and matching the cards Removed from my eye
adopted and installed within the United States House of Representatives and was the and selecting a gift. The love and friend- Florida is making a very urgent call
predecessor of the methods used today on airplanes to signal stewardesses. ship ended there because the couple with And so I am afraid I must leave you
Ms. Benjamin was the second black woman to receive a patent. the matching card was free to pick an All
Sarah E. Goode was the owner of a furniture store in Chicago, Illinois. Her claim to unopened prize or covet the prized With this game you have me going
fame is that she was the first black woman to receive a patent. possession of a fellow senior. The poor from left
In an effort to help people maximize their limited space, Goode invented a folding Santa Claus cookie jar was in the hands of To right
cabinet bed. The cabinet bed when folded up resembled a desk which included four different people within a few minutes. And I am simply dying from fright
compartments for stationary and writing instruments. Goode received her patent on July There was the proverbial weeping and I don’t know what gift I will receive
14, 1885. gnashing of teeth. A big thank you I will give not to deceive
Henry Blair was the second black inventor issued a patent by the United States In spite of the hardship that transpired I thank you all for all that you have done
Patent Office. His first invention was a seed planter which enabled farmers to plant they agreed to meet again on the first It is very hard to single out just one
more corn utilizing less labor in a smaller period of time. Two years later, in 1836, Blair Wednesday of January and go on from So now that another battle has been won
received a second patent for a corn harvester. Blair had been a successful farmer for there. A few more snowbirds will be on the I think for now my work is done
years and developed the inventions as a means of increasing efficiency in farming. way before the next issue is published and
It is noteworthy that in both of his patents he was listed as a I am one of the guilty ones. Thought For The Day
“colored man,” the only example of an inventor’s race being listed or acknowledged on In order to keep the community aware Thank you God for this wonderful day
an issued patent. of the fact that we are alive and well I have I am sorry all but I now must go away
Henry Brown was an inventor who saw a need for a convenient and secure way to asked Bob Bobucky to handle the prepara- I will return to you I know
store money, valuables and important papers. At that time, people commonly kept those tion of this column until I return. I know he Watch the door
type of items in wooden or cardboard boxes in their homes or entrusted them to local Oops here I go
banks. Both of these options presented dilemmas. While banks generally provided safety
against theft, they did not prevent bank employees from reading through personal
papers. At the same time, keeping the items at home could help to keep prying eyes
away, but there was little to prevent burglars from quickly and easily grabbing valuables
and making off with them.
Brown decided to create a safer container and developed a forged-metal container
which could be sealed with a lock and key. He patented his receptacle for storing and
preserving papers on November 2, 1886, and it developed into what is now known as a
Benjamin Banneker was born in 1731 just outside of Baltimore, Maryland, the son
of a slave. His grandfather had been a member of a royal family in Africa and was wise
in agricultural endeavors. As a young man, he was allowed to enroll in a school run by
Quakers and excelled in his studies, particularly in mathematics. Soon, he had
progressed beyond the capabilities of his teacher and would often make up his own math
problems in order to solve them.
One day his family was introduced to a man named Josef Levi who owned a watch.
Young Benjamin was so fascinated by the object that Mr. Levi gave it to him to keep,
explaining how it worked. Over the course of the next few days, Benjamin repeatedly
took the watch apart and then put it back together. After borrowing a book on geometry
and another on Isaac Newton’s Principia (laws of motion) he made plans to build a
larger version of the watch, mimicking a picture he had seen of a clock. After two years
of designing the clock and carving each piece by hand, including the gears, Banneker
had successfully created the first clock ever built in the United States. For the next 30
years, the clock kept perfect time.
In 1776, the Third Continental Congress met and submitted the Declaration of
Independence from England. Soon thereafter, the Revolutionary War broke out and
Banneker set out to grow crops of wheat in order to help feed American troops. His
(continued on next page)
26 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Around the same time, President Washington decided to move the nation’s capitol
Black Inventors from Philadelphia to an area on the border of Maryland and Virginia. Major Pierre
(continued from previous page) L’Enfant from France was commissioned to develop the plans for the new city and at
Jefferson’s request, Banneker was included as one of the men appointed to assist him.
knowledge of soil gained from his grandfather allowed him to raise crops in areas which Banneker consulted frequently with L’Enfant and studied his draft and plans for the
had previously stood barren for years. Capitol City carefully. L’Enfant was subject to great criticism and hostility because he
When a family friend died and left him a book on astronomy, a telescope and other was a foreigner and abruptly resigned from the project and moved back to France.
scientific inventions, Banneker became fascinated with the stars and the skies. He soon As the remaining members of the team gathered, they began debating as to how they
was able to predict events such as solar eclipses and sunrises and sunsets. In 1792, he should start from scratch. Banneker surprised them when he asserted that he could
developed his first almanac, predicting weather and seasonal changes and also included reproduce the plans from memory and in two days did exactly as he had promised. The
tips on planting crops and medical remedies. Banneker sent a copy of his book to plans he drew were the basis for the layout of streets, buildings and monuments that
Thomas Jefferson, at that time the Secretary of State and in a 12-page later expressed to exist to this day in Washington D.C.
Jefferson that blacks in the United States possessed equal intellectual capacity and Benjamin Banneker died quietly on October 25, 1806, lying in a field looking at the
mental capabilities as those whites who were described in the Declaration of stars through his telescope. Nations around the world mourned his passing, viewing him
Independence. As such, he stated, blacks should also be afforded the same rights and as a genius and the United States’ first great black Inventor.
opportunities afforded to whites. This began a long correspondence between the two George F. Grant knew what most of us have come to recognize - the average golfer
men that would extend over several years. is a hacker, destroying grass courses and terrorizing other golfers, homeowners and
passersby with wild, dangerous drives. Although he loved the game, he grew frustrated
trying to keep the ball from rolling away from him as he attempted to tee off and did not
want to swing at the ball while it was moving, thus sending off a wild shot.
On December 12, 1899, Grant patented a golf tee which raised the golf ball (made of
Groundhog Day is Approaching; rubber at that time) slightly off of the ground, enabling the player greater control with
his wooden club and therefore of the direction and speed of the drive. The tee was made
Will Winter End Before it Begins? of a small wooden peg with a concave piece of rubber on top to hold the ball and in
By Sharon Kennedy addition to helping with control over the direction of the shot, it also aided in promoting
I am sitting down to write this article longer drives. George Grant’s small invention has become a standard piece of equipment
on the last day of 2006. It seems that for all golfers.
winter has not yet come to Penn Estates. Garrett Morgan was born on March 4, 1877 in Paris, Kentucky the seventh of 11
I recall seeing only a few snowflakes on children born to Sydney and Elizabeth Morgan. Garrett, at the early age of 14 decided
one early morning several weeks ago. that he should travel north to Ohio in order to receive a better education. He moved to
The weather has been very mild thus far, Cincinnati and then to Cleveland, working as a handyman in order to make ends meet.
no doubt blessing us with a snowplowing In Cleveland, he learned the inner workings of the sewing machine and in 1907 opened
budget surplus this year. Has it been cold his own sewing machine store, selling new machines and repairing old ones. In 1908
enough for Punxsutawney Phil to Morgan married Mary Anne Hassek with whom he would have three sons.
hibernate? Will he/she sleep long enough In 1909, Morgan opened a tailoring shop, selling coats, suits and dresses. While
to awaken on February 2nd to look for working in this shop he came upon a discover which brought about his first invention.
his shadow and foretell the length of the He noticed that the needle of a sewing machine moved so fast that its friction often
remaining winter weather? Have you all seen our local Punxsutawney Phil? Since I scorched the thread of the woolen materials. He thus set out to develop a liquid that
moved here several years ago, I have waved to our local groundhog who sat on his would provide a useful polish to the needle, reducing friction. When his wife called him
haunches most mornings right beside Penn Estates drive. I haven’t seen him for to dinner, he wiped the liquid from his hands onto a a piece of pony-fur cloth. When he
awhile. Perhaps it is cold enough to hibernate. returned to his workshop, he saw that the fibers on the cloth were now standing straight
Groundhog Day has its roots in the European custom of Candlemas, a day up. He theorized that the fluid had actually straightened the fibers. In order to confirm
when candles were blessed and distributed to the locals. The weather on his theory, he decided to apply some of the fluid to the hair of a neighbor’s dog, an
Candlemas was viewed as an omen of the weather to come. An old English song Airedale. The fluid straightened the dog’s hair so much, the neighbor, not recognizing
quoted on the Groundhog.org website: his own pet, chased the animal away. Morgan then decided try the fluid on himself, to
If Candlemas be fair and bright, small portions of his hair at first, and then to his entire head. He was successful and had
Come, Winter have another flight; invented the first human-hair straightener. He marketed the product under the name the
If Candlemas brings clouds and rain, G. A. Morgan Hair Refining Cream and sold by his G. A Morgan Refining Company,
Go Winter and come not again. which became a very successful business.
The tradition was picked up by the Germans, who believed that if the sun were W. B. Purvis realized how much of an inconvenience it was to have to carry around
shining on Candlemas Day the hedgehog would cast a shadow, predicting six a bottle of ink whenever you needed to sign a contract or fill out legal papers. He
more weeks of winter. German settlers who came to Pennsylvania brought that therefore decided to do something about it.
tradition with them, applying it to the groundhog (which resembles the On January 7, 1890, Purvis received a patent for the fountain pen. The pen
hedgehog). In 1887, a member of a group of groundhog hunters from eliminated the need for an ink bottle by storing ink within a reservoir within the pen
Punxsutawney wrote an editorial in the local paper, declaring a local groundhog which is then fed to the pen’s tip. Of his accomplishment, Purvis said, “the object of my
to be the only official weather prognosticating groundhog. invention is to provide a simple, durable, and inexpensive construction of a fountain pen
Punxsutawney Phil’s fame has grown over the years. Tens of thousand of adapted to general use and which may be carried in the pocket.” The creation of the
people flock to Punxsutawney each year to watch Phil look for his shadow. If he fountain pen has made office work cleaner and less expensive for businesses all over the
sees his shadow, he expects six more weeks of bad weather and he returns to his world.
hole to wait it out. If he doesn’t see his shadow, he stays out to await an early In addition to his fountain pen, Purvis, a resident of Philadelphia, Pennsylvania, also
Spring. His prognostication is published in newspapers across the globe. successfully patented a number of other inventions. Between 1884 and 1897 he patented
Groundhogs average about 20 inches in length and weigh about 12 to 15 bag machines, a bag fastener, a hand stamp, an electric railway device, an electric
pounds. While an average groundhog lives about 6 to 8 years, Punxsutawney Phil railway switch and a magnetic car balancing device. He also is believed to have
drinks from a magical elixir each summer and has lived 120 years thus far. invented, yet not patented several other devices such as the edge cutter found on
What do you think Punxsutawney Phil will portend this February 2nd? Do you aluminum foil, cling wrap and wax paper boxes.
think that global warming will confuse him and confound his predictions? Information on these and other black inventors can be found at http://
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 27
Before Allen death in 1831, he founded or served as an officer in many other
On the Road to Salvation organizations designed to improve the lives of African Americans. Although he had no
By Charles Jenkins formal education, he became an accomplished writer of sermons, tracts, and addresses.
In the normal course of events, February is a time when most Americans are in the His leadership was pivotal in aiding the sick during the Yellow Fever epidemic in
mood for love, where lovers exchange gifts of all sorts and couples take time to focus on Philadelphia. At the time, it was wrongly assumed that African Americans were immune
their relationships. The shortest month of the year is also a time to celebrate American from the disease. His home church, Mother Bethel A.M.E., grew into Philadelphia’s
History — African American History to be exact. In exploring our past, we come a little largest African American congregation.
closer to understanding who we are as a People, and we come to know important Little Bethel A.M.E.
historical figures that currently affect our lives. Many of these figures are ordinary In Stroudsburg, Pennsylvania, stands the remnants of an A.M.E. church and school
people who did extraordinary things. dating back to 1855. Known as Little Bethel, the structure that is there now was built in
Courageousness 1868 for the sum of $125.00 by Richard Staples and his wife, Mary. Before the end of
We have heard of many acts of courageousness recently, such as the New York City slavery, runaway slave fugitives would come to know the name of Bethel as a safe
man who saw a teenager fall onto the subways tracks and jumped down to save him – haven. It is very likely that Little Bethel A.M.E. church was part of the Underground
positioning himself and the boy between the tracks and the third rail while the train ran Railroad and may have helped many to escape to large cities such as Philadelphia and
safely over them. And, there were the two men who ran to safely catch a two year old New York in the search for freedom and work.
baby who had fallen from the window of an upper floor apartment building. Life’s Parallels
Some people act in courageous ways and some people live courageous lives. One What may seem like ancient history is still relevant today. Many of us still come to
such person is Richard Allen. While not a contemporary figure and not as well known the Northeastern Pennsylvania looking for freedom, though the oppression is of a
today as some other historical African American figures, his legacy is still relevant different sort. Today we are escaping from high crime, rising housing prices and failing
today. You can see the evidence in the borough of Stroudsburg, the city of Philadelphia, school systems. As in the past, many still look to New York and Philadelphia for
and in many countries around the world. financial gain.
Richard Allen If you travel to Philadelphia, take a few minutes for a short tour of Mother Bethel
Richard Allen was born in 1760, the fourth child of an enslaved couple held in A.M.E. Church. One of the members of the congregation gives the tours. You will find
bondage by Pennsylvanian attorney and judge, Benjamin Chew. Several years after his it to be worth your time. The church is not only for people of African descent; their
birth, Allen’s family was sold to slaveholder Stokeley Sturgis, a Delaware farmer. In doors are open to everyone. Not far away is St. George’s Methodist Church, which you
around the year 1777, Sturgis separated Allen’s parents and siblings through sale. can also tour. Find out what they have to say about Richard Allen and his break from
Allen, still a slave, joined the mostly white Methodist Society and began their church.
evangelizing and attending services regularly. At age twenty, his slaveholder converted Giving
to Methodism and decided that slavery was wrong. Allen made a deal with Sturgis, Many Americans have distinguished themselves; Richard Allen’s courageous life
purchasing his and his brother’s release from slavery for $2000 each, which took him stood out as someone we should know. He broke the shackles of slavery, stood up
five years to earn. against discrimination, challenged the establishment and created social and religious
Allen preached at meetings to Blacks and Whites in Maryland, Delaware, New York, institutions with the goal to benefiting all. Founder of the African Methodist Episcopal
New Jersey and Pennsylvania. Later, St. George’s United Methodist Church in (A.M.E.) church, Allen’s connection to one of our local landmarks, Little Bethel
Philadelphia asked him to serve. In 1793, the African American members of St. A.M.E., adds to the rich history of Monroe County. Please contact the Little Bethel
George’s walked out when Allen’s friend and co founder of the Free African Religious Historical Association to learn more, to volunteer, or to donate. They are currently
Society, Absalom Jones, who was praying in a “for whites only” section of the church, restoring Little Bethel and could use your support.
was asked to get up off his knees and move to the newly created “colored” section.
African Methodist Episcopal (A.M.E.) church
The Free African Society took the lead in raising the money to create a church for the
African members of the congregation. The new church was called “The African Church
of Philadelphia” and it became a part of the Protestant Episcopal Church of America.
Richard Allen along with eleven other members were committed to the principles of
Methodism and formed the Bethel African Church. By 1816 there were several African
Methodist Churches around the country and that year they met to form the African
Methodist Episcopal (A.M.E.) church.
The A.M.E. church, with Allen as its first bishop, answered the needs of a growing
number of Northern and later Southern blacks. For decades, the church helped heal the CALVARY CHAPEL
scars of slavery and facilitated the adjustment of black southern migrants to life in the
North. Over the years, the church has started over a dozen colleges and other institutions Stroudsburg
of higher learning for African Americans. Today there are congregations in many
countries throughout the world.
Invites you to join us in the Oak Room!
Sunday Service at 10am
WET BASEMENT PROBLEMS? Wednesday Bible Study at 7pm
WET CRAWL SPACE? Verse-by-verse Bible teaching
The patented B-DRY process All are welcome!
eliminates all leakage problems
E T I ME • Come on out or call (570) 424-8097 for details.
Pastor Matt Fisher
B O R & M AT
28 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
The Year in Review: 2006 In sports, Americans once again win the Tour De France. However, suspicions of
doping arise when it is discovered that the winner, Floyd Landis, was clocked pedaling at
By Bob Miller over 100 mph - uphill.
Well, the year is at an end and it’s time to look back on 2006 to see the events that On the international front, North Korea shocks the world as it test fires several missiles
shaped our world. It was a year in which many good things happened. Unfortunately, none which, due to poor guidance systems, land in Israel. The Israeli government responds by
come to mind at the moment, being overshadowed by the war in Iraq, global warming, invading Lebanon because “it’s closer”. The US warns North Korea that, unless it agrees
congressional scandals, runaway illegal immigration, nuclear proliferation of rogue states, to suspend missile testing, it will have no choice but to dispatch Bode Miller on a ski trip.
rising energy costs, increasing terrorism, tainted produce, and Mel Gibson. Tension in the mideast increases when residents discover that tourists also don’t like
Yes, we will have to answer for many of these things. When we are older and grayer, bombs, mortars, rockets, and beheadings
the time for accountability will come. The next generation will want answers. Years from August – the month begins with a report in the Cuban press that their leader, Fidel
now, history will ask us to explain why we didn’t stop global warming and how we could Castro, 160, is ill but improving. US experts interpret this to mean that he has been dead
have allowed Michael Richards to do standup comedy. for several years. Cuban-Americans mourn his apparent demise by dancing ecstatically in
And now, in no particular order other than chronological, we present the events, some the streets of Miami, snarling traffic and bringing drive-by shootings to a standstill.
real and many not, that shaped our lives this past year. (Note: Due to the advanced age of In science, the International Astronomical Union rules that Pluto is no longer a planet,
the author and the resultant memory loss, some incidents may not correspond to the actual which proves once and for all that astronomers need to get out more.
months in which they may or may not have occurred.) In entertainment, news-starved journalists go crazy over a confession by a man living
January – The Republican ethics scandal begins with the indictment of lobbyist Jack in Thailand that he was responsible for the murder of JonBenet Ramsey. Cable news
Abramoff and accusations of corruption involving House Majority Leader Tom Delay, stations give 24 hour coverage as “breaking news” – a term used to mean “slow news day
who protests his innocence by offering journalist Bob Woodward a house in the Bahamas. with low ratings” in journalese. The story eventually falls flat when it is discovered that
Vice President Dick Cheney immediately retreats to a bunker in an “undisclosed location” the perpetrator was actually living in a cave in Pakistan at the time of the murder, sending
and is unavailable for comment. President Bush announces that he never heard of Jack thousands of cable TV legal experts back into obscurity and deep depression.
Abramoff. Mideast tension further mounts when Iranian president Mahmoud Ahmadinejad
February – After records surface showing numerous trips by the lobbyist to the White announces that, in the interest of fundamentalism, the eyeholes in burkas will be removed,
House, President Bush announces that, although he had heard of Abramoff, they had never causing insurance for women drivers to skyrocket.
met. Questions over this fade when Vice President Dick Cheney emerges from his bunker September – Scandal once again erupts on Capitol Hill when it is disclosed that
long enough to demonstrate his need for new glasses when he mistakes a hunting partner Republican Congressman Mark Foley sent “inappropriate” email messages to congres-
for a quail. The vice president defends his actions by stating that, if he were going to sional pages in which he discusses various acts normally only seen on farms. Democrats
intentionally shoot someone, it would be Ted Kennedy. The furor over this subsides when charge corruption and the two Republicans who are not currently under indictment
it is revealed that his–“friend” was a lawyer and thus legal game in Texas where they are respond by charging Democrats with being soft on terror, while the ACLU files charges
considered “varmints”. on both parties for being narrow minded on same sex, underage solicitation. In a rare show
In sports, the big news is the winter Olympics, where countries we rarely hear of of bipartisanship, both parties agree to adjourn congress until after the elections.
compete in sports that most didn’t know existed. The big winners are Estonia in the “wife On the legal front, the Supreme Court rules that it is unconstitutional to force detainees
toss”, Latvia in the “12 meter half tuck into a frozen lake”, Lithuania in the “500 meter at Guantanamo to watch “Dr. Phil”.
giant snowball roll”, and Iraq in the “Men’s Downhill I.E.D. Avoidance Slalom”. Indi- October – The election heats up as polls show that Democrats, despite being Demo-
vidual winners included Bode Miller who sets a new record for consuming alcohol and crats, may gain control of Congress despite Republican efforts to thwart this by accepting
falling down a lot. large gifts from corporations, giving tax breaks to oil companies, and covering up emails
March – After pictures of the president shaking hands with Jack Abramoff surface, to congressional pages suggesting various acts usually only witnessed by shepherds.
President Bush announces that, although he had met him, they were not friends. In Europe, Paris suffers a blackout due to a strike when the members of the Paris
On the international front, tensions mount in the mideast when it is discovered that Power & Light Union discover that they are French. Fortunately, hospitals are unaffected
Mecca actually lies to the west of many Arab countries, and they have been praying in the due to emergency lighting provided by Floyd Landis’ urine samples.
wrong direction all these years. November – The month begins with the Democrats taking over control of congress for
April – After photos of the president golfing with Jack Abramoff surface, President the first time in 12 years due to a lack of Republican candidates without criminal records.
Bush announces that, although he was friends with Abramoff, they were not good friends. Democrats celebrate by electing Nancy Pelosi as the first woman Speaker of the House.
In foreign news, tension in the mideast mounts still higher when Iranian president The president promises to work with her in a “bipartisan” manner, after which he is seen
Mahmoud Ahmadinejad discovers that most people cannot spell or pronounce his name. rolling on the floor and laughing uncontrollably.
May – After videos of the president sharing a hot tub with Jack Abramoff surface, Things take a turn for the worse in the “other” war in Afghanistan when members of
President Bush announces that, although they were good friends, they were not best the newly-formed “Kabul Yacht Club” discover that the nearest body of water is 500
friends. And speaking of friends…. Enron executives Jeffrey Skilling and Keneth Lay are miles away…uphill.
convicted of fraud despite their defense that they were not responsible for the company’s December - The Iraq Study Group publishes its long-awaited report, which concludes
collapse since they were both living in a cave in Pakistan at the time. that Iraq is “a dangerous place and seriously lacking in downhill ski runs.” The beer,
In science, the National Oceanic and Atmospheric Administration predicts that the however, is rated as “acceptable”. Republicans protest the findings by inviting Nancy
2006 hurricane season will be worse than usual. New Orleans responds by re-electing Ray Pelosi to go on a fact-finding ski trip with Bode Miller, followed by a quail hunting
Nagin mayor, proving that hurricane Katrina damaged more than just property. expedition with Dick Cheney if she returns.
Tension in the mideast continues to mount as residents discover that what goes up must Americans celebrate the close of the year by engaging in the annual holiday ritual of
come down, which puts a damper on the practice of “celebratory gunfire”. going to an airport and standing in line. Lines become longer when the Department of
June – Jack Abramoff is sentenced to a quail hunting trip with Dick Cheney. In Homeland Security raises the threat level to prohibit anyone from boarding a plane who
politics, the Iraq debate heats up, with President Bush stating that we’re winning the war, contains a brain. In protest, Washington DC completely shuts down until it is discovered
we’re going to stay the course, and Donald Rumsfeld is doing a “heckofa” job. Democrats that this does not affect members of congress or anyone in the current administration.
respond by nominating Bode Miller to head an Iraq study group, which he accepts when Tensions in the mideast finally reach a boiling point when it is discovered that, due to a
he discovers that ancient Mesopotamia is the place where beer was invented. mistranslation, the Koran actually says 73 Virginians.
The midterm elections race heats up when George Allen, a student at the Michael So we await 2008 for the answers to many questions: Is Fidel Castro still dead? Will
Richards School of Standup Comedy, calls a bystander who is videotaping him a Macaca the Republican Party finally look up the word “bipartisan?” Will we ever balance the
and later defends himself by saying that he didn’t know what the word meant. We wonder budget? Will the deficit continue to grow? Will the planet continue to warm? Will we ever
if he also doesn’t understand the word Nincompoop. know the location of Dick Cheney’s bunker? Will “The View” survive Rosie O’Donnel?
Tensions in the mideast mount higher when local residents discover that tourists do not The answers to these and many other questions lie in the future. As for me, like most
like gunfire. Americans I will contemplate the future from my easy chair by watching football and
July – In an effort to avoid his sentence, Jack Abramoff flees to a cave in Pakistan. having a beer – an old one from Mesopotamia.
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 29
Irish Bread Recipes
Irish Soda Bread Penn Estates, East Stroudsburg PA area
3 cups sifted unbleached flour 1 1/2 tsp. baking soda
1 1/2 tsp. baking powder 1/2 tsp. salt Forty Years of Teaching and Performance!
1/2 stick lightly salted butter, at room temperature Instruction in Theory, Beginners Piano, Trombone,
3/4 cup currants 1 tbsp. caraway seeds Trumpet and other Brass Instruments (all levels).
1 egg 1 cup buttermilk
2 tbsp. honey Reasonable Rates! Excellent References!
• Preheat the oven to 350 degrees. Thoroughly mix together sifted flour,
soda, baking powder, and salt. Please call: 570-421-2805 Mr. Ulysses Corbett
• Cut in the soft butter, working it in with your fingers until it is evenly Member of the American Federation of Musicians, Local 802
distributed and the texture is a bit like corn meal. Stir in the currants and
• Beat egg, buttermilk, and honey together in a small bowl. Add milk mixture
to the dry ingredients, stirring briefly only to moisten evenly. Do not
Give Frank a call at 421-7786
• Turn out on a lightly floured board and briefly knead to form a smooth Your Neighbor in Penn Estates
• Shape into a high, round ball. Place on a buttered baking sheet.
• Slash across vertically and horizontally about 4 “ long and 1/2” deep. “I’ll give you the professional
• Bake at 350 degrees for 50-55 minutes.
care you’re looking for.”
• Cool 30 minutes before slicing.
FREE TRANSMISSION OIL CHANGE W/FILTER TRANSMISSION
Chocolate Cherry Soda Bread Recipe INSPECTION FOR UP TO 5 QUARTS* SERVICE - STARTING
3 1/2 C. flour YOUR CAR OR TRUCK $19.95 AT $59.95
1 heaped t. baking soda
1 t. salt
4 T. sugar
2 T. butter, cut into pieces
1/2 C. dried sour cherries
1/4 C. semisweet chocolate chips
1 1/2 to 2 C. buttermilk
• Preheat oven to 450F.
• Into large bowl, sift together flour, baking soda, salt and sugar. Add butter
and blend with fingers or pastry blender until mixture resembles coarse
oatmeal. Add cherries and chocolate and stir with wooden spoon to blend;
add buttermilk, starting with 1 1/2 cups and adding more as needed, to
form a soft, sticky dough.
• Turn dough into a well-buttered 9-by-1 1/2-inch round cake pan. It should
resemble a rough haystack (don’t worry, it’s part of the character of the
loaf). Sprinkle with flour and bake in middle of oven for 10 minutes.
• Reduce heat to 400∞ F. and bake an additional 45 to 50 minutes until
golden brown. Remove from oven.
• Cover one hand with clean kitchen towel. Flip bread from pan onto towel.
Loaf should sound hollow when tapped on bottom. Wrap in towel and cool
on wire rack.
• Makes 1 round loaf.
Irish Whole Wheat Soda Bread Recipe
3 C. whole wheat flour
1 C. all-purpose flour
1 T. salt
1 t. baking soda
3/4 t. baking powder
1 1/2 C. buttermilk
• In a large bowl, sift together both flours, salt, baking soda and baking
powder until well-combined. Add enough buttermilk to make a soft dough,
but firm enough to hold its shape.
• Knead on a lightly floured board for 2 to 3 minutes, until dough is quite
smooth and velvety. Form into a round loaf and place in a well-buttered, 8-
inch cake pan or on a well-buttered cookie sheet. Cut a cross on the top of
the loaf with a very sharp, floured knife.
• Bake in a preheated 375∞ F. oven for 35 to 40 minutes or until the loaf is
nicely browned and sounds hollow when thumped with the knuckles. The
cross will have spread open, which is characteristic of soda bread.
30 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Valentine Wishes... Happy Valentines Day to my Fuzzie, Fuzzie Jr
and Son of Fuzzie, through thick and thin we Out and About
have made it and what hasn’t killed us,
made us stronger. Things to Do and
To a Perfect Hunk of a Man, Love you forever!!! Ma
Life just wouldn’t be as beautiful & complete Barbara D. Babus
See in the Poconos
without you Jose (P-Gordo), By Sharon Kennedy
Happy Anniversary & Valentines Day. Like so many others in this community, I spend a
Love Always, Happy Valentine’s Day to my Sweeties great deal of time commuting and working away from our
Abigail V. Jamar, Nia & Masada Stewart beautiful area. Thus, I often hear about events AFTER
Love Mom they happen. There are many special activities in this
area. For example, the event that I enjoyed the most in
To My Irresistible Husband Bob,
SAME OLD 2006 was a concert that was part of the Winter Dulcimer
Thanks for being you, always!
Wearily or eagerly Fest in Stroudsburg. The Harmony issue with this article
These past 25 years have been rewarding.
I step through the door will be too late to let you know about the upcoming
I look forward, to a few more decades, to share
At work days end Winter Dulcimer Fest on January 19 and 20. I plan to be
more healthy, blessed and prosperous years.
And there. I hope that you will find out about it on your own
Love always your wife,
A thousand times the same old thing in time. Regardless, be on the look out for it next year!
Sandra McFarlin Doster
A thousand hugs In case you spend so much time with work and family
And and commuting that you don’t have time to research area
Happy Valentine’s Day with all my love to A thousand kisses events, here is a summary of just a few of the local events
my lovely Maggie Mary McGinley from the A sip of wine that will be happening in February and March. I have
Emerald Island. I love you very much! By fireside burning drawn from a variety of sources. Please call or check the
“Baby your the greatest” And websites to confirm dates, times and cost. If you know of
You make me life complete! The same old any upcoming events that you would like listed in future
Love your Irish by Marriage Husband Hugs and kisses yearning issues of the Harmony, please let me know.
Steve Rain or snow The Pocono Environmental Education Center has
Or many nature walks, nature tours and various types of
Hurricanes blow workshops, in addition to clearly marked hiking trails.
A warm squeeze and lots of love to my beautiful One upcoming guided hike is to search for wintering
kids. Priscilla, Enasio, Nicasio and Jessica eagles and raptors on the Delaware. Check their website
The same old
Happy Valentines Day at’www.peec.org for current information.
Hugs and kisses show
from your mom Rose There are several area establishments that have murder
We’re a lucky pair
With the same old flair mystery and comedy murder mystery dinner theater
To My Love and My Joy, Of hugs and kisses and handholding. nights. Two that I have seen advertised are at the
Thank you for your love and support. Honey I’m home! Tannersville Inn (570-629-3131) and the Delaware Water
You are my world. For Jodie, Gap Country Club (866-755-0300).
Forever, Your Wife From Sean The Sherman Theater in Stroudsburg has a number of
upcoming concerts and events. They are listed in the
Pocono Record and can be contacted at
www.shermantheater.com or (570) 420-2808.
FRESH START CONTRACTING The local ski resorts have many special weekends
throughout the ski season, including special days with
discounts for certain groups (military, scouts, college
“We care so much we add a woman’s touch.” students, etc.) and special festivals. You can check Jack
Frost and Big Boulder events at www.jfbb.com and
Shawnee-on-the-Delaware at www.shawneemt.com.
There are lots of events in nearby Scranton, which you
• MOLD PROBLEMS • ROOFING can research at www.visitnepa.org. One upcoming event
• WOOD FLOORING • CRAWLSPACE & BASEMENTS is Cirque Dreams: a Jungle Fantasy. (I saw this show in
Atlantic City last summer. It was great fun!)
• CARPETING • ELECTRIC & PLUMBING The Clarks Summit Festival of Ice will be held on
• CARPENTRY • LAWN EXCAVATION President’s Day weekend. Check the website at
www.theabingtons.org or call (570) 587-9045.
• DRYWALL • GARAGE CONVERSIONS On March 3rd, Daniels Top-O-The Poconos Resort in
• PAINTING • ADDITIONS Canadensis will host a chili cook-off. You can find out
more at (800) 755-0300.
The Stroudsburg/East Stroudsburg Saint Patrick’s Day
Members of the Pocono Mountains Chamber of Commerce Parade is scheduled for March 18th at 1 PM. There are
fundraiser events earlier in the month. You can contact
(570) 420-9966 Mike Murray at (570) 402-8083.
Have fun…and let me know of any events that are
coming up in spring and summer.
cell: (570) 656-8399
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 31
Bite Size Almond Chocolate Brownies Recipe
Valentine Day Recipes 1 3/4 C. plus 2 T. almond paste
7 T. (scant 1/2 cup) cocoa powder
Chocolate Snickerdoodle Drops 9 T. butter, melted
1/2 cup butter, softened • Preheat oven to 350F.
1 cup sugar • Butter and flour mini muffin tins, or line them with paper liners.
1/2 teaspoon vanilla • In the bowl of a standing mixer fitted with the paddle attachment, mix the
1/4 teaspoon baking soda almond paste. Gradually add the eggs, it is important to add them one at a
1/4 teaspoon cream of tartar time. Add the cocoa powder.
1 egg • Then, warm the melted butter and add it to the mixture. Blend the
1/3 cup unsweetened cocoa powder ingredients until completely combined.
1 cup all purpose flour • Fill the muffin tins, leaving about 1/8 inch on top of the batter.
2 tablespoons sugar • Bake until slightly puffed and a thin crust has formed. Take care not to over
1 teaspoon ground cinnamon bake, or the brownies will be dry.
• In a large mixing bowl, beat butter with an electric mixer on medium to high • Yield: 12 to 16 servings
speed 30 seconds.
• Add the 1 cup sugar, soda, and cream of tartar. Beat until combined. Beat in Brownie Pizza
egg. Beat in cocoa powder and as much of the flour as you can with the 1 9 x 13 inch pan size brownie mix
mixer. Stir in any remaining flour. Filling: 8 oz. package cream cheese, softened
• Drop by slightly rounded teaspoons 2 inches apart onto an ungreased 1/3 C. brown sugar
cookie sheet. 1/3 C. peanut butter
• Stir together remaining sugar and cinnamon. Topping: 1/2 C. chopped peanuts
• Sprinkle dough with sugar cinnamon mixture. 1/2 package (about 15) miniature peanut butter cups, chopped
• Bake in a 375F oven for 9 to 11 minutes or until edges are firm. • Bake brownie mix as directed on package. Cool completely.
• Cool on wire racks. • Mix cream cheese, brown sugar and peanut butter until smooth and spread
• Makes about 30 cookies. over cooled brownies.
• Sprinkle chopped peanuts and peanut butter cups on top of the cheese
Love You Hot Fudge Pudding Cake Recipe mixture.
Batter: 2 C. flour • Before serving, drizzle top of dessert with chocolate syrup.
1/3 C. unsweetened cocoa • Keep refrigerated.
4 t. baking powder • Makes at least 24 bars, but could be cut smaller.
1 2/3 C. sugar
1 C. walnuts, chopped (opt)
1 C. milk
1/2 stick butter or margarine, melted
2 t. vanilla extract
• Preheat oven to 350F.
• Spray a 9 x 13 pan.
• Whisk first 4 ingredients together. Add nuts.
• Whisk milk, butter and vanilla together. Pour over dry ingredients; blend well.
• Pour into pan.
Sauce: 1 C. sugar
1 C. packed dark brown sugar
1/2 C. plus 2 tablespoons unsweetened cocoa
1-3/4 C. very hot water
• Whisk sugars together. Gradually add water and stir until smooth.
• Gently pour over batter.
• Bake about 40 minutes, until cake is firm to touch. Don’t overbake.
• To serve: Spoon fudge sauce from bottom over each piece. Great with
whipped cream or vanilla ice cream.
• Serves 12 - 15.
• Store, covered, in refrigerator.
Peppermint Patty Hearts (4 dozen)
You can add 3 drops of food coloring to the mixture and also dip in chocolate.
2 1/2 cups powdered sugar
1/4 cup soft margarine or butter
1 tablespoon milk
1/8 tsp. peppermint extract
3 drops food coloring (optional)
• Combine all ingredients and knead until smooth.
• Roll out on waxed paper to desired thickness and cut into heart shapes.
• Refrigerate until firm.
• You can dip entire heart or half in chocolate. Put on waxed paper until set.
• Store in a covered container.
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 33
awhile to get bank approvals. This way, when you do find a buyer, you are able to
Avoiding Foreclosure commit to a closing date knowing that the lender is on board with the plan.
By Lisa Sanderson Getting behind on your mortgage payments does not have to be the end of your
Foreclosure rates are big news these days, especially here in Monroe County where homeownership career, nor does it have to be the death of your credit score. Communi-
the rate of foreclosure—that is, how often lenders take properties back for non-payment cating with your lender early on can make or break your ability to keep your home. And
of the mortgage—is one of the highest in the state. It is becoming more common in this if that is not an option, selling your home is an excellent alternative to foreclosure. If
era of financing ‘creativity’ for borrowers to get upside-down on their obligations, with you do decide to sell, talk to your real estate agent frankly about your situation. An
the advent of a highly-competitive lending market offering low- and no-down-payment experienced agent can help immensely in the process and NOT being upfront about the
loans, adjustable rates, balloon loans and a myriad other products to help just about situation can sabotage your efforts to sell the home. This is not the time to be embar-
anyone get into a home regardless of their solvency. And the proliferation of predatory rassed or less than open about your situation. Remember, your goals and your agent’s
lending hasn’t helped any. All of these things have exacerbated the usual problems that goals for your listing are mutually inclusive!
cause a borrower to get behind, like job loss, medical problems, divorce, etc. Try to be proactive when you get in to trouble by addressing the issue early on. But
Regardless of the reasons why someone may get behind in their mortgage payments, do be wary of scams. HUD reports that the most common scams which take advantage
there are many opportunities to remedy the problem before the foreclosure process of homeowners in default are skimming and phony counseling agencies. Skimming is
starts. The important thing to keep in mind is this: lenders do not want to foreclose and when you are approached by someone who promises to pay off what you owe to the
take the property back! Delinquent borrowers often have the mindset that their lender is lender if you sign over ownership of the property using a Quit Claim Deed. The skim-
just waiting for them to get behind so they can take their house. This couldn’t be further mer then rents out the property, never pays off your mortgage and the lender ends up
from the truth. Banks and mortgage companies are in the money business, not the real foreclosing anyway, leaving you with the credit problems. Phony counseling agencies
estate business. Foreclosing on property often costs the lender upwards of 20% of the contact homeowners in default and offer to help for a fee. Once they get your money,
outstanding balance, taking into account the costs to foreclose, hold and maintain, or fix- they either do nothing, or they contact your lender or advise you to sell your house –
up the property. Addressing delinquency issues early is in everyone’s best interest. If remedies you can do on your own.
you can, call your lender as soon as you know you have a problem in making your To avoid scams, take the following precautions: don’t sign anything you don’t
payments - before you are delinquent and before the situation becomes harder to resolve. understand, make sure you get all promises in writing, beware of contracts of sale or
Unfortunately, when a homeowner gets behind in their payments, their first response loan assumption that do not formally release you from liability for your mortgage, and
is no response - the lenders’ letters and calls go unanswered due to, most often, embar- check with your lawyer, real estate agent or mortgage company before entering into any
rassment and a feeling that there is little that can be done. “You can’t get blood from a transaction involving your home.
stone” is a self-defeating mindset. This early time in your delinquency is a prime The key to making the best of the difficult situation of mortgage delinquency and
opportunity to explore your options with your lender, especially if you’ve already possible foreclosure is take control by knowing your options, doing your homework and
decided to sell the property. There are a variety of options to be discussed including the acting decisively. It is the rare situation that is hopeless and without remedy!
acceptance of partial or interest-only payments for awhile, accepting small additional
monthly payments to catch up on arrearages, adding arrearages on to the end of the loan,
or even refinancing. All of these options give you an opportunity to get caught up, help
you to save your credit and, if you are selling the property, buy you the time you need to
get the sale accomplished, before foreclosure occurs.
Access to Health Insurance at
If these options don’t work, another option is available through the Pennsylvania
Housing Finance Agency (PHFA) called Homeowners’ Emergency Mortgage Assis-
tance Program (HEMAP). A homeowner who receives an ‘Act 91 Notice’ from their
lender advising them of their delinquency can apply within 30 days for a HEMAP loan
to bring their payments current and may be eligible for continuing payment assistance
up to 24 months. The criteria that determine eligibility are: home is owned and occupied
by a PA resident, mortgage payments are at least 60 days behind, the applicant is
suffering financial hardship through no fault of their own, and the applicant has reason-
able prospects of being able to make normal mortgage payments after the assistance
ends. For more information contact PHFA at 800.342.2397 or www.phfa.org. Health and Life Insurance for:
Sometimes, though, these remedies are not enough. Perhaps the borrower’s situation • Self-Employed • Families
is such that getting caught up is not possible and the amount owed on the home is more
than what it can be sold for. Usually this occurs as a result of extreme circumstances and
• Individuals • Children
the last-resort option available in this situation is called a ‘short-sale’. Basically a short-
sale is when a lender accepts less than what they are owed in lieu of going through the
foreclosure proceeding. A borrower must prove that they are financially unable to pay Nickey L. Kuhns
back the loan as originally contracted so be prepared for full financial disclosure. It is a Licensed Insurance Agent
good idea to start this process before you begin to market your property as it can take
Call today to see if you qualify!
Association membership is required.
Health insurance plans (Form Series 25875-77) are
underwritten by the MEGA Life and Health Insurance
Company. Home office: Oklahoma City, Oklahoma.
Exclusions and limitations apply. M/000730 Exp 6/07
34 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY Winter 2006-07
Winter 2006-07 WWW.PEPOA.ORG TATE MONY
PENN ESTATES HARMONY 35
Harmony Classified Ads
Harmony is published six times a year in February, April, June, August, October, and
December. Deadline for submissions is the second Tuesday of the month prior to
publication. Put your ad in the Harmony mailbox in the Administration Office. The cost
for a 5-line ad is $5. Checks should be made out to PEPOA and Harmony should be
written in the note section in the bottom left-hand corner of your check. Any lines over 5
are an additional $1 per line.
ELECTRICIAN: We can handle all Sunselt Spa – 5 person hot tub with
your electrical needs. Call us for fast, cover. SSPA-1 model. Entry level spa
low cost, quality service. Penn Estates with pump, heater, ozone generator
resident: Henry Simmonds, Pres. and mood light. As is condition.
Call 570-421-1326 or 347-400-8843. Associaton will accept sealed bids at
Administration office until March 15.
NOTARY PUBLIC – located in Penn Starting Bid $500. Associaton makes
Estates. Certified, bonded and no warranty or guarantee on any
insured; at your house or mine, 7 days components. Email email@example.com
a week. Call Monica at 917-576-2664. for appointment to see hot tub. The guy
Babysitter – Loving mother and
responsibility is available to take care
shows up! Handy Man JACK OF
of your child in my home. Monday thru HOME RENOVATIONS • FULLY INSURED • NO JOB TOO SMALL
Friday. Experience many years. Call to Painting, Wood Work, Tile – Hardwood & Laminate Floors, Windows, Doors, Electrical,
Isabel 426-1801. Cable, Phone Lines, Networks, Home Theatre, Plasma Installation, Central Vacuums,
Decks, Plumbing, Tree Removal, Power Washing, Drywall & Patching, Trim Work, Minor
Use the Harmony Classifieds to reach Roof Repair, Almost everything...
all members of the Penn Estates CALL TODAY FOR Charles Green
community. YOUR FREE QUOTE (570) 504-7476
SERVING THE ENTIRE POCONOS, MONROE, PIKE COUNTIES, HISTORIC MILFORD AND THE LEHIGH VALLEY AREAS
HOME BUYING & SELLING
Let The Wilkins Team Show You How!
WE’RE MORE THAN JUST REALTORS, WE’RE AN INDEPENDENT FAMILY OF HOME BUYING SERVICES
Home Buying and Selling ■ Homeowner’s Insurance ■ Settlement / Closing Services ■ Mortgage Fulfillment
– Our Affordable Utility Hook-up Service
304 Park Avenue, Stroudsburg, PA 18360
570.421.8950 • 800.252.4601
Call today, we’ll get you movin’!
Go online at www.wilkins1.com and view over 2,000 homes for sale. OPEN 7 DAYS A WEEK
of the Poconos
1111 North 5th Street, Stroudsburg PA 18360
(877) 484-BARB (2272)
(570) 476-2124 Direct
(570) 421-2345 x218 Office Barbara Garris Lori Garris
www.barbaragarris.com Associate Broker ABR, Realtor
IL Whatever size your home, call the
$14 M IN 2005!
D Garris Team for your real estate needs.
Barbara & Lori’s Proven Track
LD Record of Success in Penn Estates:
13G Hunters Woods Drive 252 Leland Court 5 Somerset Drive
213 Hyland Drive 32 Spice Bush Drive 108 Brentwood Drive
129C Runnymede Lane 144 Woodacres Drive 228 Kensington Drive
35 Woodland Drive 165 Woodacres Drive 51 Julian Terrace
14F Deerfield Circle 47 Summit Terrace 264 Burnside Terrace
128 Glade Terrace 169 Somerset 60 Pine Grove Drive
149D Greenbriar Drive 86C Lakeside Drive 43 Somerset Drive 162D Somerset
78 Deerfield Circle 111 Woodland 37E Foxdale Terrace
SO 174 Hyland Drive 216 Brentwood 186 Reston
62 Berwood Terrace 33 Kensington 19 Deerfield Circle Drive
3B Somerset Drive 5A Candlewood 276 Sandlewood Drive
93A Clover Lane 152 Kensington Drive 38 Somerset Drive
8 Deerfield Circle 23 Delia Terrace 174D Raven Terrace
50 Oakland Terrace 47C Canterbury 62 Brentwood Terrace
77 Deerfield Circle 60 Berwood Terrace 27E Delia Terrace
60 Pine Grove Drive 92 Deerfield Circle 169 Somerset 259 Burnside
60 Hunters Woods Drive 9 Deerfield Circle 40 Ash Terrace
LD 136 Bayberry Court 162 Somerset 144 Hyland Drive
25 Pasquin Drive 221 Lakeside Drive 137 Juniper Court
41 Julian Terrace 121 Oakfield Terrace 208 Mayfield Court
288 Blue Beech Drive 140 Woodacres Drive 99 Lansdale Drive
149D Greenbriar Drive 159 Kensington Drive 28G Elmwood Drive
28G Elmwood Drive Visit my website:
www.barbaragarris.com and select
“View My Listings” to see my virtual tours!
Call today for your FREE market analysis - and your home can be the next “JUST SOLD”
Call 570-476-2124 or E-mail firstname.lastname@example.org