Our summertime friends helped us celebrate Casey.

Conor and The Rose Lizard Club sign

Casey named this club the “Rose Lizards.” We made special friends at the family cottage. These friends are people you don’t see on a daily basis and sometimes they may be just summertime friends. I love these friendships, because you pick up where you left off and never skip a beat in conversation or in sharing a story or two.

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The family cottage is a fabulous place for new beginnings and perfect endings. August is National Picnic Month. There is no better way than celebrating with family and friends – birthdays or holidays – at the family cottage, than with a picnic. So pull out your blue and white checkered table cloth (or red and white checkered) and a wicker picnic basket.

I grew up with Yogi Bear and he loved pic-a-nics. To Yogi every day ended in a fabulous picnic filled with jelly sandwiches. (My teens do not even know who Yogi Bear was.)

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With every opportunity comes success and hard work when you pursue your God-given dream. With the purchase of the general law practice at The Depot in Suttons Bay, Michigan, came unique character and charm and an old barn cat named Spike.

Please understand that this barn cat is really not a cat you own, because having two cats myself, they really do own you. This barn cat weighs about 20 pounds, even though he is on diet food. Spike lives in The Depot. He hangs out in the rafters upstairs, but loves to greet people who come in for meetings and appointments. He greets everyone with a loud meow. Spike enjoys muffin bites (even though he should not) from my husband. When no one is around, Spike sprawls on my husband’s work space. Sometimes clients ask about him and bring him treats. Spike is very furry, so that he does sometimes mat up and need a good shave from the vet every now and then. He is happy when you talk to him.

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Drinking a cup of joe, on a beautiful 4th of July weekend, I experienced solace as I watched swans swimming and boats heading out of the marina in Suttons Bay, Michigan. The sun was beautiful on the water. The boats were heading out for adventure at the National Cherry Festival in Traverse City, Michigan. What a different world from our other home in Farmington, Michigan. The air is crystal clear. Ahh – the joys of summer – relaxation and peace.

My teens are happier. We always have a friend in tow. Our eldest, now 18, has college in the fall, but with a summer job and other activities, his summer has changed. The twins, now fifteen, are not working yet and can enjoy the summers of yesterday romping on the beach, biking, and staying up way past midnight. Adventure is always looming for our family at the cottage. New friendships, new experiences filled with laughter, and the stress of the daily grind seems to disappear. These experiences make owning a family cottage absolutely the best moments in life.

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Their fond memories exuberate, like a family cottage, charm and comfort.

Leave a legacy of integrity and good will. Defining the family cottage means: joy, relaxation, summer skies that go on forever, walks along the beach, skipping stones, bonfires, children laughing, our chocolate and yellow labs running through the water, fireflies, good friends, serenity and peace.

Experiencing the cottage life brings you closer to the wonder of God’s beauty. You wish it would go on forever. We spent summers, it seems for a lifetime, in northern Michigan. Our twins, now 15, were two and our 18-year-old at the time was four. Since teens are very enduring and unique, I decided to ask them to define the word “cottage.” One of the twins responded with, “a house by a lake where you hang out on the beach.” The cottage, he stated, would be by a town with good places to go, and good people to see. The other twin described a cottage as nice, quiet and beautiful. He remembered swimming, tubing behind the boat, and our dogs running on the beach. Our 18-year-old described a cottage as something on the water.

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“As reported by the Detroit Free Press (see article below) there is unprecedented opportunity for those who have dreamed of owning a vacation home, cottage or cabin to make that dream come true.

After the purchase is completed, furniture moved in and the first family barbeque is voted a success – and cleaned up after, and your children and/or grandchildren are nursing their first sunburn of the summer season, what’s next?

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Launching a boat in Michigan waters during the month of April is not very common. Boat insurance policies, however, generally begin to provide coverage on April 15. If you’ve not given much thought to your boat insurance policy, this spring might be a good time to review your policy and determine if you need more protection as you navigate the Great Lakes or Michigan’s inland lakes while at the family cottage.

Although many homeowner and automobile companies offer boat insurance, the coverage your existing policy provides may not be adequate. Many policies provide a list of “named perils” outlining situations the policy covers, such as fire, vandalism and malicious mischief. If you need more coverage, look for an “all risks” policy that covers more predicaments in which you might find yourself.

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As weather in Michigan becomes warmer signaling the approach of summer, family cottage owners of waterfront property begin thinking about boats, docks, jet skis, etc. Every summer, unfortunate accidents occur which affect family cottage owners and their guests that are related to water and recreational activities: swimmers make a wrong judgment regarding the depth of the water and dive off the cottage dock into shallow water resulting in severe neck injuries, boaters and those driving personal watercraft can be blinded by the sun and fail to see someone skiing or tubing behind a boat resulting in a catastrophic accident, a “slip and fall” during a game of volleyball played on the beach or in shallow water can cause unexpected and long-lasting injuries.

In 1987 the Michigan Supreme Court consolidated two cases, one involving an individual who was injured while slipping on logs that property owners installed at the edge of a lake to prevent erosion. The resulting neck injury caused paralysis from the shoulders down. Three neighborhood associations and individual subdivision lot owners were sued for damages. The defendants included over 200 individuals. The other case involved a child who drowned while she and her mother were visiting relatives. The child died in the shallow part of a pond owned by her aunt and uncle. The Supreme Court determined that the cases could proceed to trial despite the protections afforded property owners in the Michigan Recreational Land Use Act (RUA). The Court determined that the RUA was only applicable to large, undeveloped tracts of land.

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Why should your cottage be in jeopardy and need saving? Cottage-Law.com expert Dan A. Penning has invaluable strategies to pro-actively plan how to protect your cottage first and secure its future. Why risk an emergency rescue plan when you can plan to avoid the crisis with a cottage succession plan?