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I n s i d e t h i s
i s s u e :
Board Meetings 2
Board Announce-
ments
3
President’s Letter 3
Community
Events
4
Clubhouse Updates 5
Community Interest 6
Announcements and
Reminders
8
S p e c i a l
p o i n t s o f i n -
t e r e s t :
C h i c a g o
H o l i d a y
E v e n t s
W i n t e r
P l a n t i n g
S m a r t E a t -
i n g f o r
H o l i d a y
P a r t i e s
F i n a n c i a l
N e w s
Bringing the latest news to our evolving Kipling Community
December/January 2012-13
The Kipling Kronicle
Goblins and Ghouls of all ages enjoy a Kipling Halloween Treat.
Page 2
B o a rd o f D i re c t o rs
Kipling Estates Homeowners Association Board of Directors
All Board members can be reached through the Clubhouse 815-725-9922.
Kipling Estates Clubhouse Contacts
Clubhouse Manager Diane Gallico 815-725-9922 [email protected]
Communications Manager Brenna Joyce 815-725-9922
Administrative Assistant Cathy Miller 815-725-9922 [email protected]
Clubhouse Staff Betty Presley 815-725-9922 [email protected]
Clubhouse Staff Terri Lanzisero 815-725-9922
Clubhouse Staff Maria Koss 815-725-9922
Handyman Dave Jaral
Butterfield Ridge
March 19, 2013 - 6:30 PM
May 7, 2013 - 6:30 PM - Annual meeting
July 16, 2013 - 6:30 PM
September 17, 2013 - 6:30 PM
November 12, 2013 - 6:30 PM
Callaway Glen
Galway
Architectural Meetings
The meetings will be at 6:30 PM
3/5/13, 3/19/13, 4/9/13, 4/23/13, 5/7/13,
5/21/13, 6/11/13, 6/25/13, 7/9/13, 7/23/13,
8/6/13, 8/20/13, 9/3/13, 9/17/13, 10/1/13,
10/15/13, 10/29/13 and 11/12/13
Board Meetings
KEHA Master Board
January 16, 2013 - 7:00 PM
March 20, 2013 - 7:00 PM
June 5, 2013 – 7:00 PM - Annual meeting
July 17, 2013 - 7:00 PM
September 18, 2013 - 7:00 PM
November 20, 2013 - 7:00 PM
Englewood Pointe
Devonshire
March 19, 2013 - 6:30 PM
May 7, 2013 - 6:30 PM - Annual meeting
July 16, 2013 - 6:30 PM
September 17, 2013 - 6:30 PM
November 12, 2013 - 6:30 PM
St. Andrews Estates
January 8, 2013 - 6:30 PM
March 5, 2013 - 6:30 PM
May 21, 2013 - 6:30 PM - Annual Meeting
President Bob Bradley Devonshire President
Vice President Frank Zimmerle Galway
Secretary Sue Olson Galway President
Treasurer Patti McGrath Saint Andrews Estates President
Landscaping Director Linda Ramlot Butterfield Ridge President
Operations Director Patrick Crowley The Townes President
Rules and Regulations Director Nancy Erwin Courtyards of Kipling President
Director Jeanne Eggert Englewood Pointe President
Ad Hoc Director Chrissy Kuehl Callaway Glen President
All meetings take place in the Kipling clubhouse
at 850 Wynstone Drive.
Also, please visit www.kiplingcommunity.com for
updates and events.
B o a rd o f D i re c t o r ’s B u s i n e s s
Page 3
Letter From the President
Dear Kipling Residents,
For the past few years, the Kipling clubhouse has sponsored Angel Tree. Angel
Tree is a gift-giving program targeted to make less fortunate children a little hap-
pier during the holidays. Angel Tree is again here at our Clubhouse. Please take a
few minutes to stop by the clubhouse and pick one or two tags off our tree. I will
guarantee you it will make a child very happy, not to mention how good it will
make you feel. See our Angel Tree notice in this newsletter for all the details.
And thanks for giving.
Also, you will find the 2013 assessment coupons for the Kipling Estates HOA in this newsletter. Please mark your
calendars with these important dates as a reminder to pay your Kipling Estates HOA assessments on time.
Bob Bradley
Kipling Estates HOA President
First Management Solution
(Townes)
815-834-4308
Bay Property Services, Inc.
(Devonshire)
708-606-6601
Hillcrest Property Manage-
ment (Englewood Point)
630-627-3303
Hillcrest Property Manage-
ment (Courtyards)
630-627-3303
Waste Management 800-796-9696
Property Contact Numbers October 2012 Financial Summary
Winter Safety Tips: The sun’s rays can still cause sunburn in
the winter, especially when they reflect
off snow. Make sure to cover your
child’s exposed skin with sunscreen.
Dress in a few thin layers to keep dry and
warm.
Only ice skate and sled in designated
areas. Do not go to areas that are not
checked for safety. (Stay off ponds)
Limit outdoor activities for children; they
do not always know when to call it quits
and maybe in danger or frostbite before
they know it.
Wash hands, although the cold weather
does not cause colds, it is more common
in cold weather as we spend more time in
close quarters. Keep clean and healthy.
October 2012 Income 73,140.37$ *
October 2012 Expenses 67,322.20$ *
YTD Income though 10/31/12 359,765.02$ *
YTD Expenses through 10/31/12 359,872.02$ *
Reserve deposits as of 10/31/12 42,000.00$
Account Balances as of 10/31/12
Operating Accounts
Leaders Bank Operating Account 13,132.27$
Leaders Capital Expenditure Account 6,087.13$
Standard Bank MM Capital Expenditure Account 61,671.75$
80,891.15$
Reserve Accounts
Leaders Reserve Money Market 72,674.74$
Leaders CD 10/26/12 51,941.87$
Leaders CD 9/21/12 26,766.49$
Leaders CD 10/1/12 51,112.83$
Standard Bank CD 11/21/12 58,890.43$
Standard Bank Reserve Money Market account 50,575.92$
311,962.28$
Total Account Balances as of 10/31/12 392,853.43$
Accounts Recievable as of 10/31/12 93,510.21$
Accounts Payable as of 10/31/12 (317.50)$
* Does not include reserve account transfers
Page 4
C o m mu n i t y E ve n t s
Family Friendly Events in the City
Christmas in the City
Chicago offers a variety of family friendly
events to attend in the city. You can find fam-
ily friendly events for all budgets.
Christkindlemarket:
The Christkindlemarket brings together the
flavors of Germany and Europe to the Daley
Plaza. Enjoy shopping, eating and some hot
spiced wine for the adults. The event takes
place from Thanksgiving until Christmas Eve.
The market is located at Daley Plaza next to
the famous Chicago Christmas tree.
Lincoln Park Zoo/Brookfield Zoo Lights:
Through January 1 at Lincoln Park Zoo Every
Friday, Saturday and Sunday through Decem-
ber 11, Starting December 16 through January
1, activities will be offered nightly. FREE.
At Brookfield from 4:00 p.m. - 9:00 p.m
Regular parking and admission fees apply.
in December: Saturdays & Sundays: 12/1 &
2, 12/8 & 9, 12/15 &16, and 12/22 & 23
Wednesday, 12/26 through Monday, 12/31
Features adorable animals holiday lights festi-
val featuring over one million twinkling
lights, animated light displays and a laser
light show!
McCormick Tribune Ice Rink
Through March 11, 2012 at Millennium Park
Open daily, but hours vary. Weather permit-
ting. FREE admission. The holiday season
isn’t complete without a trip to Millennium
Park’s ice skating rink, which draws more
than 100,000 skaters annually. Bring your
own skates, or rent a pair for $10.
City Lights
Grab the family on a warmer winter day (or at
least warm for Chicago) and just stroll the
streets with a hot cocoa or a warm coffee.
There are plenty of lights and animated shows
in store windows for the entire family to see
for free.
Navy Pier Winter Wonderland Fest
Rides, entertainment, food, Santa and much
more. Navy Pier is a great place to take the
family around the holidays, but can be pricey,
so plan ahead. They offer family packages and
cheaper options. Hours of operation Novem-
ber 30—December 15th Sunday through
Thursday: 10 a.m. – 5 p.m. Friday and Satur-
day: 10 a.m. – 10 p.m. December 16th – Janu-
ary 6th Sunday through Thursday: 10 a.m. – 8
p.m. Friday and Saturday: 10 a.m. – 10 p.m.
Special Holiday Hours: Christmas Eve:
(Monday, December 24) 10 a.m. – 5 p.m.
Christmas Day: CLOSED New Year’s Eve:
(Monday, December 31) 10 a.m. – 6:30 p.m.
Page 5
C l u b h o u s e U p d at e s Fro m D i a n e
Kipling Kids “Cookies and
Milk with Santa” Come and
join us on Saturday, December
15th, 1:00 PM until 2:00 PM.
Visit Santa, and pick up a bag
of goodies. (Moms and Dads, bring your
camera and take some lasting memories)
“Special Santa Helpers” will be here, so be
sure to stop in. Also, enjoy a performance by
“Little people”.
Kipling Estates Vendor Fair
took place Friday, November
16th. We had a great turn out
this year with a variety of 15
vendors.
Congratulations to the follow-
ing residents, who were the winners of the
raffles this year:
Robin English, Lori Landers, and Allyson
Shepherd.
The Salvation Army’s
Angel Tree Program.
Come and pick up an
“Angel” or two and make
a child’s Christmas spe-
cial. All gifts must be
dropped off, unwrapped
by December 10th.
Kipling Holiday Decorating
Contest will be thru the
month of December. Judges
are needed. Sign up to be a
judge. It can be a “fun fam-
ily activity”.
December 24, 25, 31 and January 1, 2013.
“Merry Christmas and Happy New Year”
”FREE” Zumba Classes
Tuesday and Thursday,
Mornings at 9:00 am and
Tuesday and Wednesday
evenings at 7:00 pm
“Free” Fitness Club
P90X, Insanity DVD, and
more. Instructor Adam Un-
derhill would like to intro-
duce you to some serious
workouts. Call the clubhouse for dates and
times, (815) 725-9922.
Karate Classes held each Tuesday
afternoon from 4:30 – 5:30 Con-
tact Sensei Thomas at (815) 351-
1923.
Cookies with Santa Clubhouse Closings
Angel Tree Tags
Vendor Fair
Clubhouse Classes
Annual Home Décor Contest
Fit for Free P90X
Karate Class
Call the clubhouse to book your party or
event or suggest classes or clubs.
Page 6
C o m mu n i t y I n t e re s t
Each year the holidays come
around, we celebrate with
friends, family and that deli-
cious food! Often all those
holiday feasts cause us to
pack on a few pounds, but here are some tips to
keeping those extra pounds to a minimum this
year.
Act before you eat! Make a plan to do something physical the day of
the holiday feast (maybe an early morning walk or
after dinner stroll with the family).
Plan on pushing your fitness plan a few minutes
longer around the holidays. Come visit the gym a
little earlier or stay a bit late. Make your time off
meaningful; not an excuse to sit around.
Eat before you eat!
Many people skip breakfast in order to save room
for the “big” meal, but this is not the smartest
choice. Be sure to have a light breakfast that in-
cludes proteins to keep you fuller longer.
Some healthy options include a hard boiled egg
with fruit, scrambled egg whites with a few of
your favorite veggies, whole wheat toast with light
peanut butter or a fiber rich cereal with low-fat
milk.
Lighten up what you eat!
We can usually find some healthy replacement
options for most holiday recipes.
Try plain yogurt or fat-free sour cream in dips, and
casseroles.
Cut the amount of sugar or use apple sauce for half
the sugar measurement.
Try lighter oils and less butter for cooking. Make
gravy with chicken broth rather than creams.
Think before you eat!
Make smart choices; place small portions of your
favorites on your plate and choose items that are
holiday “specials”. Treat yourself to something
you can’t have all year, but don’t over do it.
Again include lean proteins and veggies to fill
you.
Savor the food, eat slowly and enjoy the taste, the
smell and the flavors. Then wait for a bit if you
think you want seconds, if you’re full don’t fill up
again!
Celebrate smartly and keep off those extra pounds!
Staying Healthy around the Holidays
Should You Take a Pension Buyout?
If you've received an offer
from your employer to buy
out your pension, you're fac-
ing a big decision: Should you
accept the lump sum or con-
tinue taking your monthly
pension payments?
You might be afraid that tak-
ing a lump sum would subject
you to a big tax bill. But if you roll the money
into a traditional IRA, you may be able to avoid
paying taxes on those funds until you start your
withdrawals.
Consider your estate plans. Pension payments
generally end when you and your spouse are gone,
but with an IRA, you may still end up with some-
thing you can leave behind.
Don't forget about inflation. If your pension pay-
ments aren't indexed for inflation, they'll lose pur-
chasing power over time. Within your IRA, you
can invest for growth potential, but remember that
all investments are subject to some level of risk.
You're facing a big choice. Get all the facts, and
then get some professional help from your finan-
cial and tax advisors.
Presented by: Paul Kalafut, Shorewood's Edward
Jones Financial Advisor
Planting by Donna White American Maintenance
Continued on page 8
Page 7
→ I s Y o u r H o u s e U n d e r W a t e r ?
→H a v i n g T r o u b l e M a k i n g P a y m e n t s ?
→N e e d t o k n o w t h e T R U T H a b o u t
S h o r t S a l e v s F o r e c l o s u r e ?
A s k M e H o w I C a n S e l l Y o u r H o m e
w i t h o u t Y o u P a y i n g a C o m m i s s i o n
C a l l U s T o d a y - S t r i c t l y C o n f i d e n t i a l
8 1 5 - 3 7 0 - 9 3 5 8 , a s k f o r
C a r m e n o r S a n d y C a r t e r Office: 2911 Vimy Ridge Drive Joliet, IL 60435 815-582-3953
Email: [email protected]
Kipling Estates Clubhouse
850 Wynstone Drive
Shorewood, Illinois 60404
K i p l i n g E s t a t e s
H o m e O w n e r s
A s s o c i a t i o n
R e m i n d e r s a n d A n n o u n c e m e n t s
Call now to advertise
your business in the
next issue of the
Kipling Kronicle.
815-725-9922
Full Page Ad $125
Half Page Ad $75
1/4 Page Ad $50
Business Card Ad $25
*All Kipling residents receive 25% off any adver-
tisement placed for their own business
* Deadline for all Ads is the 15th of the previous
month. Newsletters will be printed and distributed
every other month. Next issue Feb/March.
Welcome Home!
Special Events - Featured in Community Events
For future newsletters, we would like to start including birthdays, anniversaries, graduations, first
communions, birth announcements, etc. and any information that you would like to share with the
neighborhood. The deadline to submit any dates for the February - March, submit by January 18th. Please e-mail
any information you would like to share with your neighbors to: [email protected].
Association dues
Mark your calendars and be sure to pay dues on time. As of the 16th of each month that assessments
are due, the payment is considered late and a late charge will apply. Use the coupons inside or sign
up for auto pay at the clubhouse.
