Sherwood Park Makes a Splash

By Emily Fedor

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Everyone deals with grief differently, but three Dunmore families that each faced a loss of their own chose to turn their grief into something positive and honor their loved ones in a very special way.

The Zayac family lost their “Sweet Baby Jude” in 2014 as the result of SIDS—Sudden Infant Death Syndrome. Mark and Diane Michalczyk’s son Ryan passed away in his sleep in 2009. And Dorothy French Conway lost her long and bravely fought 11-year battle with ovarian cancer in 2011.

Carol Conway, Dorothy’s mother-in-law, said that at the end of Dorothy’s life, she wanted a play area where children could gather and enjoy summertime fun to be constructed.

“She was such a wonderful mother and educator…and she loved children,” said Conway. “She just felt that establishing something would give them a focus. They needed to know that they were important. She was the most selfless person.”

With similar hopes of finding a way to give back to the community and memorialize their own loved ones, the Zayacs and the Michalczyks appeared to be the perfect partners to make that dream a reality.

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Years ago, Sherwood Park was home to a small wading pool, an area where many children were able to play and keep cool during the hot summer months. But in 2006, the pool was drained and filled in.

Susan Brace, treasurer of the Sherwood Youth Association, said, “We had to fill in the pool because of rising insurance costs. We had to keep a lifeguard on duty, and the pool was actually deteriorating.”

Brace said the idea of creating another water attraction was in the making for years, but the organization never thought they would be able to secure the funds needed to make the idea a reality.

In 2008, Tammy Robson, a former Sherwood Youth member, did a college project on installing a splash pad at the park in the same spot where the old wading pool once stood. Robson included pictures and financial estimates and ultimately made the concept a little more concrete.

“This has been an on-going idea for years,” said Brace. “We saw them [splash pads]  in the area and wanted to build something where they [local children] could enjoy the summer months, but we never thought we’d be able to do it because we never thought we’d be able to raise enough funds.”

The Dunmore Summer Festival hosted annually at the park brought in some funds, but it was not until the Michalzyk family brought in the first major donation in May of 2014 that things finally got moving.

Diane Michalzyk said that her family worked to remodel the park area at St. Anthony’s Memorial Playground in Dunmore in 2011 in memory of her son Ryan. They had an idea to construct a water attraction there but quickly realized it was a big project to tackle alone. So when they heard Sherwood had a similar idea, they immediately jumped on board.

“With the combined resources from the families and Sherwood Park, we were able to accomplish that project faster than if we went at it on our own,” said Michalzyk, “and the experience was just priceless.”

Shortly after, the Conway and Zayac families heard about the park’s splash pad plans and joined the efforts to make the concept a reality. And with that, the dream team was fully assembled.

Each family had a memorial foundation established in names of those they lost—the Jude Zayac Foundation, the Ryan Mason Michalzyk Memorial Fund and the Dorothy French Conway Memorial. Different fundraisers that each family conducted provided crucial funds that allowed construction to begin. Sherwood Youth also qualified for a $45,000 state grant funded by Mount Airy Casino Resort slots revenues—a share of money distributed annually under the 2004 slots law.

In March, the final design was completed, the splash pad equipment was purchased from Aquatic Recreation Company, based in Eden Prairie, Minnesota, and construction plans began to play out. Reilly Landscaping excavated the former wading pool area in May once the frozen winter ground finally thawed, and in June, Perry’s General Contracting was chosen to spearhead the splash pad construction.

At the end of  nearly a month of construction, the non-slip finish was applied to the concrete surface, and the Splash and Play Zone was finally ready to be revealed.

The officers of the Sherwood Youth Association hosted a dedication ceremony and ribbon cutting to open the pad for public use on Sunday, July 19. The national anthem was sung by Thomas Pyeron, and a blessing was given by Rev. John A. Doris. Additionally, Mayor Patrick “Nibs” Loughney and each of the families were presented with plaquesa token of gratitude for the part they played in bringing the concept of the splash pad to life.

After a balloon release, the cutting of the ceremonial ribbon and the unveiling of a monument honoring Jude, Ryan and Dorothy, children from each of the three families pressed the activation ballard togetherturning on the splash pad for the first time.

Greg Zayac, father of Jude Zayac, admitted that the day was a bittersweet but enjoyed seeing all the families who came out for the opening playing on the splash pad and having a good time.

“It was a little emotional,” said Zayac. “It’s unfortunate that we all had to lose someone for this to be a reality, but it’s really been inspiring and helpful in our grieving process. I think it’s a great thing for the community, and the kids really love it.”

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The Sherwood Youth Association is now preparing for their annual summer festival, which will take place on August 13, 14 and 15. The fun-filled event will be the perfect platform to showcase the park’s new attraction and allow locals to enjoy some hot summer nights.

Building a Back-to-School Budget

By Nathaniel Sillin

Back_to_school

Back-to-school spending isn’t just about clothes and markers anymore.

In 2014 Forbes reported that Accenture estimated that nearly half of respondents reported they would spend $500 or more on back-to-school expenses, including not only clothes and desk supplies but electronics as well.

Yet there’s one more aspect of back-to-school spending that’s growing and can add hundreds—and sometimes thousands—to a family’s overall K-12 education budget. Since the 2008 economic crisis, many public school systems have tried to make up for funding shortfalls by adding first-time or expanded fees for sports, extracurricular activities and specialized academics.

This means that back-to-school budgeting, even for families with kids in public school, now requires a more holistic, year-round approach to all back-to-school expenses.

Given their potential dollar amounts, parents should examine school fees first. Public education has never been completely free of charge beyond local taxes. (Parents have traditionally paid extra money to support their kids’ participation in sports, music or other extracurricular activities.) However, many school systems are adding fees for a broader range of offerings including after-school activities, top-level courses, lab-based instruction and even Advanced Placement or AP classes. So before you start spending money on clothes and supplies that can be bought off-season, on sale or possibly used, get a handle on how applicable instruction and activity fees might affect your budget. Parents in financial need may qualify for public aid or grants to cover such fees; if not, choices will need to be made.

Consider turning back-to-school shopping into a money lesson. Most kids like to have certain kinds of clothes, shoes or supplies. Those “wants” can be turned into a discussion about spending priorities, value, choice and comparison shopping. Using the back-to-school budget calculator with your kids can help them learn how create a budget before shopping so that you only come home with the essentials. As kids get older, the discussion can expand to cover bigger-ticket purchases like smartphones, computers and fees for special courses and activities they want to pursue. Some of these issues might evolve into a discussion about earning money through chores or a part-time job.

Once priorities are decided, every expense should be tracked, including a child’s round trip school transportation, meals, tutoring fees or immunization and health care expenses not covered by insurance. And once that budget is set, it means a constant search for smart ways to save. Some ideas may include:

  • Carpooling – Track your costs to make sure you’re not adding significantly to your overall transportation budget.
  • Packing lunches at home
  • Working with school administrators to raise outside donations or grant funding to cover parents’ out-of-pocket costs
  • Organizing school supplies in one place to avoid purchasing duplicates
  • Renting equipment, supplies or instruments used until a child’s interests are established
  • Scouting garage sales, thrift shops and online marketplaces for used, required-edition textbooks, instruments, electronics, sports equipment, clothes and other supplies you’d otherwise buy new; online resources shouldn’t charge shipping or return fees
  • Reviewing school and classroom supply lists before buying essentials
  • Bulk and group-buying supplies and services with other parents to get volume prices
  • Consolidating back-to-school shopping during tax-free days (if your state offers them)
  • Swapping used supplies and equipment with other parents
  • Checking retail memberships for any back-to-school savings they offer
  • Watching for print and online coupons or special discount offers through your school
  • Listening to your kids – They might spot money-saving ideas faster than you can

One final secret budget item—rewards. Saving money on back-to-school expenses can help parents meet a number of financial goals, but kids’ academic or activity success deserves recognition. Consider setting aside a little of those savings for a reward they can enjoy.

Bottom line: When setting your back-to-school budget this year, think beyond the supplies. Consider every possible fee and expense associated with your child’s school year and plan accordingly.

Nathaniel Sillin directs Visa’s financial education programs. Follow Practical Money Skills on Twitter at @PracticalMoney.

Money Matters: Saving Money on Last-Minute Summer Trips

By Jason Alderman

If you, your partner or your family want—or need—to get out of town right now, how do you improvise a great last-minute trip without breaking the bank?

Planning is essential. Embrace travel as a hobby—look for tricks, techniques and current online resources to keep abreast of the best last-minute deals.

Compromises will be necessary. You’ll likely need to travel at off-peak hours (either the first flight out in the morning or the last one at night, usually on weekdays) and stay at hotels or venues off the beaten path.

Here are some quick tips to save money on last-minute travel:

Travel light, move fast. Traveling last-minute isn’t for the indecisive. Dedicated travelers are minimalists—they know what to pack, organize their paperwork and payment options and have the mental preparation to deal with problems and challenges along the way. Also realize that last-minute travel can increase risk and other costs. If you’re planning a trip that requires travel insurance, you may not get coverage approval in time. (Reference: https://www.insuremytrip.com/learn/travel-insurance-basics/when-to-buy.html)

Build the right online resources. The Internet has revolutionized most forms of purchasing goods and services, but for travel, it has offered unprecedented speed and customization. Use top travel sites that have a tested track record and broad listings of various travel products, but be on the lookout—new travel websites and apps launch every day. Some airlines now offer their own last-minute fare sites, but try to sign up for email alerts and social media feeds from a variety of travel resources so you won’t miss a deals on air, hotel or ground transportation. Also, layovers are good to build into your itinerary as long as you don’t have to pay for a hotel and take a moment to compare the price of two one-way tickets—possibly from competing carriers—against round-trip tickets at single carriers.

Test new lodging options. The new generation of apartment and spare-bedroom sharing sites and longtime online vacation home rental services offer last-minute and in some cases “day-of” lodging possibilities, but keep in mind that online scammers have entered this territory and all transactions should be verified independently. Staying in hostels is not just for students and backpackers anymore; there are hostels that aim for older travelers as well. Getting on the phone also works in the hotel industry. Check online prices against what you can find by calling up the hotel’s booking number and ask if there is a lower corporate rate or special for the period of your stay. (Reference: (http://www.practicalmoneyskills.com/rentalscams)

Compare ride-share with car rental. If you think you’re going to need to drive at your destination, check car-rental rates against leading ride-share companies available at the touch of your smartphone screen. Many ride-share companies allow you to get advance pricing estimates in advance. Also keep in mind what it might cost to park the rental car in your destination city—ride-share will help you avoid that expense.

Finally, evaluate every membership connection you have. Start by looking at all the plastic you have in your wallet. From your credit cards to the membership card for your main professional networking group and even to the auto club that tows your car, can you take advantage of any travel benefits you can leverage on a last-minute trip? Take some time to review those benefits or look at them for the first time.

Bottom line: Last-minute travel is almost always possible as long as you’re willing to do a little homework and improvise.

Jason Alderman directs Visa’s financial education programs. Follow Jason Alderman on Twitter at @PracticalMoney.