The Pocono Times - July 8, 2015

RE FE RL OC AL .C OM /PO CO NO ME -TI S. CO M

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July 8, 2015

NEW RESORT OPENS NEARBY The African-themed Kalahari Resorts and Conventions has officially opened in Pocono Mountain.

More on page 2

ESu kiDS ENROLLiNg ESU for Kids is celebrating 24 years with its 2015 program. Page 8

WhAT’S hAPPENiNg See what’s happening throughout the Poconos with the region’s most comprehensive events calendar. Page 2

BEhiND ThE WhEEL Columnist Greg Zyla test drives the allnew 2015 Chrysler 200. Page 4

CLYMER LiBRARY EVENTS The Clymer Library in Pocono Pines, has many programs and events for July.

Page 5

SChOLARShiP AWARDED The Delaware Highlands Conservancy has awarded a scholarship. Page 12

PEEC EVENTS iN JuLY Check out the upcoming events at the Pocono Environmental Education Center in Dingmans Ferry. Page 6

WEEKEND WEATHER

• 2113 S li e Drive, Eagle Valleyy Mall, East Stroudsburg • (570) 5117-5550 • 1115 N. 9th Street, Rt. 6111, Across Fr m Ra mour & Flanigan ( ext to Pope es) troudsburg, PA • (570) 2 -7777

WITH 11 CONVENIENT LOCATIONS TO SERVE YOU! THU 75 62

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FRI 77 62

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1-(866) 907-0900

Vehicle/ATV/ Motorcycle/Watercraft Registration and Insurance Drivers License • CDL • Duplicate Titles • Transfers • Restorations • Full Notary Services

POSTAL CUSTOMER

POCONO

PuZZLE FuN Crossword & sudoku puzzles. Page 15

• Rt. 9 0, Located in the K-Mart Plaza, Mt. Pocono, PA • (570) 95-11000

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PENNDOT AUTHORIZED State and service fees apply

New resort opens

Please enjoy the following Inserts in this week’s

Weis Foodtown Unclaimed Freight

** Not all inserts available in all areas If you would like to see a particular insert in your area, please talk to the Mgr. at your local store.

Pocono Pet Nanny, LLC We have you covered!

Professional pet sitting, mid-day walks, and home-style boarding.

PoconoPetNanny.com jschaner@ptd.net 570-992-3703 12 Years in Business Insured and Bonded

The Pocono Times is happy to receive news items about your school, workplace or community.

poconotimes@timesshamrock.com

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We still accept items by fax or in the mail, but e-mail is our preference.

Include a phone number in case we have a question about your item. We won’t publish it if you tell us not to.

If there’s no charge for admission to your event, say so. If there’s a cost or an admission price, include it.

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2 THE P OCONO TIMES

The African-themed Kalahari Resorts and Conventions has officially opened in Pocono Mountain.

“Today is a big one for not only our company, but my family, as well,” said Todd Nelson, owner. “We have always dreamed of expanding to the East Coast, and there’s no better way to do it than with our grandest resort to date in this historically prevalent tourist area.”

The resort is home to Pennsylvania’s largest indoor waterpark, recently named in Condé Nast Traveler’s “world’s coolest indoor waterparks” list. The venue also includes:

• 457 guest rooms containing one-, twoand three-bedroom suites, • an outdoor waterpark with a huge outdoor pool, a large sundeck for relaxing, indoor/outdoor whirlpools and a swim-up bar, • a 30,000-square-foot family entertainment center with dry activities such as minibowling, cutting-edge arcade games, a 5-D theater and black light mini golf, • three restaurants, • a spa and salon, • a 100,000-square-foot convention center • a 6,000-square-foot retail space.

“We couldn’t be more thrilled to bring

the spirit of Africa to the Poconos,” Nelson said. “We look forward to a successful property that will assist in boosting tourism in the area long term.”

The project broke ground in October 2013 and has brought more than 1,000 jobs to the area. Phase II of the resort is currently underway. When completed in Spring 2017, the addition will bring the resort to nearly 1,000 guest rooms, the distinction of America’s largest indoor waterpark (200,000 square feet) and an expanded outdoor waterpark.

Reservations are now being accepted at KalahariResorts.com.

net.

chaels, will hold an all you can eat donationonly breakfast Saturday July 11, 8-10:30 a.m.

Full breakfast and beverages served. Call 570-629-1136 for more information.

• The12th annual Lesoine School reunion will be held Saturday, July 11, at the Wooddale United Methodist Church Pavilion, 100 Barren Road in East Stroudsburg, starting at noon. A covered dish dinner will begin at 1 p.m. All former students, teachers and their families are invited to attend. Call 570-4211157 for more information.

• The Women’s Fellowship Group of the Reformed Church of Bushkill is sponsoring a community yard sale Yard Sale Saturday, July 11, 9 a.m. to 4:30 p.m. in the parking lot of the church located at 5969 Milford Road (Rt. 209).

Food & beverages will be available for purchase and there will also be a 50/50.

Vendors wanted: Space scost $10. Table is additional $5. Set up for vendors is at 7 a.m.

Call 973-989-8145 for registration form.

• The Willing Workers of Paradise Valley are holding their annual bazaar and yard sale on Saturday, July 11, 3-7 p.m. at “The Roof” at Paradise Community Center Ball Field on Keokee Chapel Road off of Route 940 in Paradise Valley, featuring food and live music in addition to a raffle of a handmade quilt at 7 p.m. You do not need to be present to win.

• Pocono Greyhound Adoption will hold a meet and greet at Tractor Supply Co., Route 209 in Brodheadsville, on Saturday, July 11, from noon to 3 p.m. Visit poconogreyhound. org or call 570-856-0377 to learn more about this event, or about adopting a greyhound.

• Pocono Greyhound Adoption will hold a meet and greet at Petsmart, Route 611 in Stroudsburg, on Saturday, July 11, from 10

WHAT’S HAPPENING To have your school, church or nonprofit social event in “What’s Happening,” email: poconotimes@timesshamrock.com. Exact dates must be listed. NO EVENTS TAKEN

BY PHONE. EVENTS ARE PRINTED ON A SPACE AVAILABLE BASIS. Deadline — noon on Friday for the next Wednesday publication. All phone numbers are in the 570 area code unless otherwise indicated. No faxes or hand-written submissions will be accepted.

JULY 8 Monroe County PA Association of School Retirees (PASR) will arrange a bus trip to see “Joseph” at the Sight & Sound Theater in Lancaster County, followed by a smorgasbord luncheon at the famous Shady Maple Restaurant. Bus will leave the Stroud Mall at 7:45 a.m.; show is at 11 a.m.; luncheon at 2:30 p.m., free time to shop; leave Shady Maple at 5 p.m.; and home by 7:30 p.m. Cost is $ 91, which includes bus seat, show, luncheon, all taxes, gratuities and snacks. Call 570-424-8459 or e-mail at dragonda@ptd.net for more info/reservations.

JULY 9 The Stroudsburg Aglow will meet on Thursday, July 9, at 9:30 a.m. at the St. Peter’s United Methodist Church in Saylorsburg. Refreshments start at 9:30 a.m. The requested donation is $2. Fellowship starts at 10 a.m. The speaker will be Dorothy Dotter.

• Monroe County Bible Clubs is conducting Summer Bible Clubs for children every Thursday through Aug. 13 at 1:30 p.m. at Dansbury Park on Day Street in East Stroudsburg, near the yellow spiral slide and pavilion.

The group will present a Gospel puppet interview and a Bible story sketchboard painting. All ages are invited to attend this free program. For more information, call 570421-9968 or email jimeckerbcm@verizon.

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JULY 11 Laurel Chapter No. 67 and Waymart Lodge No. 542 will hold its 26th annual flea market and chicken barbecue Saturday, July 11, 8 a.m. to 2 p.m. at Kennedy`s Grove on Carbondale Road in Waymart. Flea Market tables are available by calling 570-488-5269 or 570-785-9453. Cost is $10 Per space and/ or table. There will be plants, baked goods and refreshments available throughout the day. Pickup for the chicken barbecue will be 10:30 a.m. to 1 p.m. Dinners will be $9; $6 for halves. To order, call 570-604-1815 or email at cherrypro@verizon.net.

• Vendors are wanted for a group yard sale will be held Saturday, July 11 (rain date Aug. 8), 9 a.m. to 4:30 p.m. at the Reformed Church of Bushkill, 5969 Milford Road in East Stroudsburg. Vendors are wanted. Cost is $10 per space. Set up will be at 7 a.m. Call 973-989-8145 for registration.

• The Pocono Garden Club will present its annual flower show and plant sale Saturday, July 11, 10 a.m. 3 p.m. at the Stroudsburg Jr. High School, Chipperfield Drive in Stroudsburg.

Open to the public from 10 a.m. to 3 p.m., the theme for this year’s show is “Enchantment.”

The Show will offer the popular plant sale, Chinese and silent auctions. A new feature will include “The Market Place” with garden related items, a cut flower market, a bake sale and a basket raffle. A People’s Choice Award will be given to the best submitted “Fairy Garden.” All entries must be registered on Friday, July 10, 9:30-11 a.m.

Master Gardener, Pam Hubbard will give a presentation on “Fairy Gardens” at 11 a.m. and 1 p.m.

• McMichaels United Methodist Church, Rt 715 and White Church Road in McMi-

Ple ase se e CALENDAR, Page 7

Community News Group (CNG) Box 424 East Stroudsburg, PA 18301 Phone: (570) 421-4800 Fax: (570) 421-4255 Editorial e-mail: poconotimes@timesshamrock.com Advertising e-mail: amanley@timesshamrock.com anicosia@timesshamrock.com Classified advertising: (888) 400-2329 Published every Wednesday Alice Manley..................... CNG Sales Manager Tom Graham ..................CNG Managing Editor Anna Nicosia.................... Marketing consultant Christopher Cornell, Shannon Keith........ Editor Ken Chaffee ..................................... Circulation

• Rt. 9 0, Located in the K-Mart Plaza, Mt. Pocono, PA • (570) 895-11000

Deadline for display advertising is noon and classified advertising is 4 p.m. Friday prior to Wednesday publication. The publisher reserves the right to restrict or prohibit advertisement or news copy for any reason.

• 2113 S line Drive, Eagle Valleyy Mall, East Stroudsburgg • (570) 5117-5550 • 1115 N. 9thh Street, Rt. 6111, Across From Raa mour & Flanigan ( ext too Pope es) Stroudsburg, PA • (570) 2 -7777

For more than 30 years, Times-Shamrock has owned and operated The Pocono Shopper.

Today, The Pocono Times provides a unique advertising vehicle to reach all of Monroe County within a two-week advertising cycle.

Total Combined Distribution (unduplicated): two-week cycle, more than 30,000 WEEK 1 DISTRIBUTION Zone 1 — 5,000 direct mail; 5,000 drop point; 10,000 total Select areas: East Stroudsburg, Stroudsburg, Bushkill Zone 2 — 5,000 direct mail; 5,000 drop point; 10,000 total Select areas: Effort, Brodheadsville, Kresgville, Kunkletown, Saylorsburg, Tannersville, Tobyhanna, Scotrun Week 1 total = 20,000 WEEK 2 DISTRIBUTION Zone 1 — 5,000 direct mail; 5,000 drop point; 10,000 total Select areas: East Stroudsburg, Stroudsburg, Bushkill Zone 2 — 5,000 direct mail; 5,000 drop point; 10,000 total Select areas: Effort, Henryville, Kunkletown, Saylorsburg, Scotrun, Tannersville, Cresco, Tobyhanna, Sciota Week 2 Total = 20,000 For information on display or insert advertising in The Pocono Times, call (570) 421-4800.

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P OCONO TIMES

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“WE ARE THE BANK” EVERYONE’S APPROVED!!!

Over 175 Cars,Vans, SUV’s & Trucks in Inventory 2004 Chevy Avalanche ...... $3500 Down 2005 Chrysler Sebring.......... $500 Down 2000 Ford Taurus .................... $99 Down 2003 Hyundai Elantra......... $1500 Down 2004 Jeep Grand Cherokee ... $1500 Down 2002 Buick Lesabre .............. $500 Down 2004 Chrysler 300M............ $1500 Down 2006 Pontiac G6................. $2500 Down 2004 Chrysler Pacifica....... $1500 Down 2007 Chevy Cobalt ............ $2500 Down 1997 Cadillac Seville ......... $1000 Down 2003 Dodge Neon ................ $750 Down 2002 Ford Escape............... $1800 Down 2001 Ford Mustang............. $1500 Down

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4 THE P OCONO TIMES

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Chrysler 200S worth a try Entry Price: $21,800 Price as Tested: $35,390 This week, we again drive the all-new 2015 Chrysler 200, this time delivered with allwheel-drive (AWD) mechanicals. Consumers will find four front drive models to choose from, starting with the LX at $21,800, Limited at $23,585 and then moving up to the “letter” 200s with “S” at $24,825 and top line “C” at $26,325. (Notable is a current $1,500 buyer incentive, so subtract this amount from your model choice).

Chrysler 200 AWD starts at $28,925 in “S” classification, a nomenclature that indicates a sportier version. The very top line “C” models stand for comfort and dates all the way back to the luxurious Chrysler Imperials that were so popular five decades ago. These four specific 200 front drives and two AWDs allow Chrysler to attract specific consumer demographics, from the economy conscious college student ($21,700 for the LX entry) to the well off retired baby boomer ($30,195) for the “C” opulence inspired AWD model.

Our initial drive was the 200 “C” that came in front drive format and relied on four cylinder power. The AWD 200s only come with one engine choice, that being a powerful 3.6-liter V6 that produces acceptable city and exceptional highway EPA numbers of 18 and 29, respectively. The highway number comes thanks to Chrysler’s new nine-speed automatic, which is standard across the line regardless of engine and drive wheel combination. Notable is the automatic transmission uses a dial on the console to engage gears as there is no shift lever to be found.

With its beautiful new exterior and impressive interior, coupled with the outstanding entry price, Chrysler design and mechanical engineers in Sterling Heights, Michigan, can take a bow. Specifically, “all-new” truly is “allnew” as the 2015 Chrysler 200’s only similarity to the 2014 is its midsize EPA class.

The 2015 Chrysler 200 is going to be a major player in the midsize wars, and may actually offer more value for dollar spent than the competitors. Amongst the new interior features standard are rear safety camera, black chrome enhancements, all the powers, power front seats, advanced multi-stage air bags and much, much more. Your Chrysler dealer will gladly explain when you visit.

Built on a new platform and somewhat similar to the new Dart from the Dodge line, Chrysler 200 receives the added comfort and luxury amenities that have always differentiated

Dodge from Chrysler for decades. Important is Chrysler 200’s longer wheelbase, AWD availability and overall luxury appointments.

Under the hood sits the prior mentioned V6, which puts out 295 horses and really peps up the 200 versus the 184 horsepower 2.4-liter four Check out more Car columns on the Web at www.thedailyreview.com

cylinder. If you want the V6 in a front drive 200, it will cost an additional $1,950 and deliver EPA numbers of 23 city and 36 highway, both good. The AWD steals just a bit of fuel economy, but the tradeoff is secure driving in foul weather conditions.

There’s ample room in the trunk and a 60/40 rear split seat that allows cargo expansion and/ or access. Options our tester featured were a $595 Blind Spot and Cross Path detector (recommended), $795 Premium Lighting Group, $745 19-inch tires on “Hyper Black” chrome aluminum wheels (very nice) and a $1,495 Nav and Sound group that upgrades to a Harman built Uconnect nine speaker Alpine HD SiriusXM stereo with 8.4-inch touch screen and premium driver gauge cluster (sounds great). The final option is a recommended $845 Comfort Group, with “Parkview” rear backup enhancement, heated front seats, heated steering wheel, dual zone climate control and remote start.

Important numbers include a wheelbase of 108 inches, 3,795 lb. curb weight, 16 cu. ft. of cargo space, 15.8 gallon fuel tank and 39.5 inch turn radius.

In summary, the 2015 Chrysler 200 will compete well against all competition and has already received a Five Star safety rating from NHTSA. Initial reviews from the motoring press have been outstanding, as Consumers Digest also gives the new 2015 200 a “Best Buy” rating (as we did five months ago).

It’s definitely worthy of a visit to your Chrysler dealer.

Likes: Really new, AWD fuel mileage, great value for dollar spent.

Dislikes: Some options on top line “C” should be standard, not much else.

Greg Zyla writes a weekly car column for The Daily Review in Towanda. Write to him at gzyla@thedailyreview.com. © The Daily Review 2015.

Library News The Clymer Library, 115 Firehouse Road in Pocono Pines, has many programs and events for July.

Regular Programs The library’s popular Children’s Story Hour for children ages 3 and older will be held on Mondays, July 13, 20, and 27 at 10:30 a.m.

Lap Sit for kids ages 2 and younger will he held Thursday, July 9, 16, 23 and 30.

The Summer Reading Program for kids, teens, and adults is ongoing at the Clymer Library through the summer.

For the children’s program, kids ages 11 and younger can register at the library or online and earn prizes after recording the books or how much they’ve read through August.

For the teen program (ages 12-18), participants can track online how much they’ve read to earn prizes and raffle entries. The grand prize (from four participating libraries) is a Kindle Fire HD. The teen online reading program ends Saturday, Aug. 15.

Finally, for the adult program, this year’s theme is Escape the Ordinary, and patrons are invited to do just that by exploring historical and local heroes, superheroes and other extraordinary people, places and events. The adult summer reading program runs through Penn State Cooperative Extension Nutrition Workshops on Mondays at 1 p.m. through Aug. 17.

During this free program, participants will learn how to stretch their food dollars, plan and prepare tasty, healthful meals, ways to use food stamps and other food resources wisely, and methods to keep food safe and healthy. Pre-registration is required.

Unmasked. Summer Adventures for Teens: Coming this month to the Clymer Library are two programs for patrons ages 12 through 18.

The first is program Crafts Worthy of Heroes on Thursday, July 9 at 6 p.m.

Participants will make accessories such as capes, masks, cuff bracelets and more.

All materials are provided. Then, on

Tuesday, July 28 at 6 p.m., the library presents the Heroes vs. Villains Challenge, where teens can test their hero and/ or villain skills and outwit opponents using mental ingenuity and physical agility.

Competitors will be rewarded with fun, food, and prizes. Space is limited for both of these programs, so sign up in advance at the circulation desk.

How to Maintain Your Well. On Thursday, July 16, at 6 p.m., master well owner Ruth Berke will present a program developed by the Penn State Extension.

Berke will talk about well location, construction, water testing and water treatment systems. Additional information is available online at extension.psu. edu/water/mwon.

Activities Sign up is required unless otherwise indicated.

Wednesday, July 8, 11 a.m. to 1 p.m.

Tricky the Fox and the NASCAR pace car. Meet Tricky the Fox and see the pace Car. All ages welcome.

Friday, July 10, 1 p.m. Family Fishing Part 1 of 2 from the PA Fish and Boat Commission. Topics such as regulations, licenses, where to fish and how to identify invertebrates in the water will be covered during this one-hour program. 20 seats available. Ages 5-12.

Saturday, July 11, 11 a.m. Craft: Fire Trucks. Make a fire truck by using different shapes of construction paper. Be as creative as you want. Ages 3 and up.

Tuesday, July 14, 11 a.m. to 12:30 p.m. Field Trip to Tobyhanna State Park. Meet the park manager. Learn about a day-in-the-life of a park ranger, be transformed into a park ranger, and design your own well-equipped park ranger. Sign-up is required. Maximum 15 children. Ages 6-12.

Tuesday, July 14, 6 p.m.—Family Superhero Story Night. Come dressed as your favorite Superhero and listen to stories about Captain America, Hulk, Iron Man and Spiderman. Ages 3 and up.

Wednesday, July 15 at 1 p.m.— Craft: Tropical Fish. Be creative with

See LIBRARY on page 11

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PEEC Events in July

At the Pocono Environmental Education Center (PEEC), 538 Emery Road in Dingmans Ferry.

Pre-registration is requested until otherwise noted.

• “Celebration with a Bang” Family Nature Getaway Weekend.

Thursday through Sundayh, July 2-5.

Adults $225/child, commuter and day rates available.

Experience the best of what PEEC has to offer. Nature hikes, animal presentations, swimming, canoeing, fireworks, campfire and more! Price includes three nights lodging and meals from Thursday dinner to Sunday lunch.

• Summer Canoe Paddle.

Sunday, July 5, 1-3 p.m. $5 per person.

Paddle a canoe, and try out the new kayaks!

Beginners are welcome: you’ll everything you need to know. Dress appropriately: you may get wet. Call to reserve a canoe.

• Frog Frolic.

Saturday, July 11, 1-3 p.m. $5 per person.

Learn about some of the frog friends as you gently catch and release these hopping amphibians. Wear boots and plan on getting a little wet and muddy.

• Moonlit Drumming.

Saturday, July 11, 6:30-9:30 p.m. $30 adult/$15 child. Master drummer Maxwell Kofi Donkor is back for another unforgettable experience. Enjoy an introductory lesson and a drumming circle under the moonlit sky. No experience necessary. Call to reserve a drum.

• Sunday for Singles Nature Hike.

Sunday, July 12, 1-3 p.m. Free.

Enjoy a guided hike on a PEEC trail. This program is all about exploring nature and meeting new people.

• Little Eco Explorers: Beavers.

Sunday, July 12, 10 a.m. to noon. $5 per child.

New program for 3-6 year olds. Join us for a story, craft and activity focusing on a particular critter. Call for details.

• Ecozone Discovery Room.

Saturday, July 18, 1-4 p.m. $2 per person.

Climb into a bald eagle’s nest, crawl into a bat cave, and dig in a fossil pit! Explore this indoor discovery room and enjoy hands-on exhibits on natural history, sustainability and the local environment. No registration required.

• Bridge the Gap Kayak Paddle.

Saturday, July 18, 5-7 p.m. Free.

Paddle on the Pickerel Pond. Beginners are welcome. Dress appropriately: you may

get wet. Spaces are limited; call to reserve a kayak.

• Nature at Night.

Saturday, July 18, 8-9:30 p.m. Free for members/$5 for non-members.

A summer evening is the perfect time to head outside. Take a walk in the woods, listen for frogs and look at the stars.

• Summer Canoe Paddle.

Sunday, July 19, 10 a.m. to noon. $5.

Enjoy the summer out on the water! Paddle a canoe…and try out the new kayaks.Beginners are welcome. Dress appropriately: you may get wet. Call to reserve a canoe.

• Bridge the Gap: Wild Edibles Walk.

Saturday, July 25, 10 a.m. to noon. Free.

Nature provides food for us in the form of many plants. Join us on a hike focused on wild edibles. No collecting will be done within the park.

• Earthen Healing.

Saturday, July 25 – 1:00-3:00pm $5 A new program about the remarkable healing properties of plants. You’ll learn which native and garden species cure various ailments and how to prepare them for use.

• Bridge the Gap Kayak Paddle.

Sunday, July 26, 10 a.m. to noon. Free.

A free kayak paddle on the Pickerel Pond.

Beginners are welcome. Dress appropriately: you may get wet. Spaces are limited; call to reserve a kayak.

• Butterfly Walk Sunday, July 26, 1-3 p.m. $5.

Learn about the wonderful world of butterflies! Join David Trently on a search through the fields and around the ponds for butterflies and dragonflies. Call early; spaces fill up fast!

• Ecozone Discovery Room.

Sunday, July 26, 1-4 p.m. $2 per person.

Climb into a bald eagle’s nest, crawl into a bat cave, and dig in a fossil pit! Explore this indoor discovery room and enjoy hands-on exhibits on natural history, sustainability and the local environment. No registration required.

• Women’s Weekend.

Friday, July 31 to Sunday, Aug. 2. $199.

Enjoy a relaxing weekend that includes a nature hike, canoeing, campfire, and more.

This wonderful program includes two nights lodging in a yurt or cabin and six meals.

Register early!

For further information, call 570-828-2319, visit peec.org or email peec@peec.org.

what’s happening FROM PAGE 2

a.m. to 2 p.m. Visit poconogreyhound.org or call 570-856-0377 to learn more about this event, or about adopting a greyhound.

• Community yard sale at Middle Smithfield Elementary School with the Bushkill Fire Co. Auxiliary on Saturday, July 11. Vendors needed. Set up begins at 7 a.m., and the yard sale goes until 2 p.m. The fee per space is $12 (size of the vehicle parking space).

Vendors are to bring their own tables, chairs and tents, if needed. No electricity or water is provided. A port-a-potty is available. Food will be available for purchase by the Bushkill Fire Co. Auxiliary. The rain date is Sunday, July 12. To reserve spaces or for questions, please email: bushkillfireauxiliary@gmail. com.

JULY 12 Camp Papillon will hold an meet & greet/ adoption day Sunday, July 12, 11 a.m. to 2:30 p.m. on at Tractor Supply, Route 209, Brodheadsville.Meet the dogs, cats and critters that Camp Papillon has for adoption, fill out an online application and get preapproved in advance. Email adopt@camppapillon.org. Opportunities to foster animals are available as well. Email volunteer@ camppapillon.org or visit camppapillon.org or phone 570-420-0450.

JULY 13 Nominations are being accepted for the inaugural Monroe County Poconos Imaging Awards. Nominate those who have gave outstanding community service to this county.

There are 23 categories to nominate in.

This award ceremony will take place Saturday, Nov. 14, at the Abeloff Performing Arts Theatre. Please visit our website and make your select today. The deadline for submitting your nominations is Monday, July 13.

Visit raineyrooproductions.com/imagingawards for more information.

JULY 15 Lady Queen of Peace Church, Route 209 in Gilbert, will hold a free community lunch at 12:30 p.m. in McCawley Hall at the church. For more information, call 610-6816137.

JULY 18 The West End Park and Open Space Commission will sponsor a star gazing event with astronomer Rich Grebb at the West End Regional Park on Saturday, July 18. Meet at the Chestnuthill Park Building, 221 Rte. 715 in Brodheadsville at 8:15 p.m. The free program will include telescopic views of Saturn with its Moons and Rings, the Hercules Start Cluster, constellations and more. Dress to be outside, bring a lawn chair, blanket and bug spray. Program recommended for adults and Ple ase se e CALENDAR, Page 12

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Quiet Valley

Living Historical Farm Explore the past as guides in period clothing recreate life on a 19th century PA German farm

See historic buildings, farm animals, heritage crafts and more Open June 20 through September 7 Tue. - Sat. 10:00 to 5:00 • Sunday12:00 to 5:00 $10.00 Adults • $5.00 Ages 3-12 • Rain or Shine

Saturday July11 - Music in the Valley

Enjoy a day of traditional music played by various groups around the farm Presentations, hands on opportunities, sing-alongs, jam sessions & more This event is sponsored in part by a PA Council on the Arts grant

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ESU for Kids Enrolling Now

ESU for Kids is celebrating 24 years with its 2015 program, which runs from Monday, July 13 through Friday, July 31. Parents may enroll children in 15-day courses that can last from one hour to eight hours. The professional, certified instructors at ESU for Kids offer 54 unique fun, educational courses.

Course offerings include: All-Star Sports, Arts, Crafts, Experiments, Art Smart, Be a Scrabble Expert, Beginner Guitar, Beginner Piano, Chess for All Ages and Abilities, Comic Book Heroes 2, Cooking Around the World, Creative Writing for Kids, Dessert Decorating, Disney’s “Frozen” Fun, Elementary Field Hockey, Handmade Jewelry, How to Be a Detective, “Jurassic Park” Role Play, Lego

Building Adventures, “Lord of the Rings” Role Play, Math Madness: Games Galore!, “Phineas and Ferb” Role Play, Pirates Role Play, Ready! Set! Babysit!, “Star Wars” Role Play, Volleyball for Beginners, and more.

“Our staff and clientele are dynamic, creative, and energetic,” Scott Hnasko, director of ESU for Kids, said. “With a welcoming atmosphere and exclusive courses you can’t find anywhere else, there’s no place like ESU for Kids for friendships and treasured memories!”

Visit esu.edu/esu4kids to view the brochure and course descriptions. Those interested in attending may also register online using a debit or credit card. For more information, call 570-242-9923.

ESU grad student promotes playground Oliver Trojak could have taken a few shortcuts, or at least chosen a simpler project. With his already packed schedule consisting of a full-time and a part-time job, few people would have criticized him. That wasn’t in the plans for the East Stroudsburg University of Pennsylvania graduate student seeking his master’s in professional and new media writing.

For a required service-learning project, Trojak, who earned his bachelor’s degree in philosophy from ESU in 2011, used web writing, creative script writing and video production skills collaboratively with local high school and elementary school students to help promote the efforts by a committee dedicated to refurbishing and funding the building of a much-needed community playground.

It’s exactly the type of project ESU President Marcia G. Welsh, Ph.D., and faculty and staff members, are envisioning with the implementation of the institution’s new strategic plan.

“A major aspect of the strategic plan is about innovative approaches to the usual status quo in academia,” said Bill Broun, ESU associate professor of English. “Oliver’s project is representative of creative learning and demonstrates the values that are embodied in the new strategic plan.

We want to make ESU a place where these adaptive, creative learners can be nurtured and challenged.”

The project — albeit a bigger undertaking than Trojak ever imagined — was close to his heart and more rewarding than he thought possible.

Trojak, now 27, grew up in Marshalls Creek, attended Resica Elementary School, and graduated from East Stroudsburg High School South. He has since designed his first website and wrote the copy and worked with 13 students to produce a video about the now-deteriorated playground behind Resica Elementary.

In order to get the nine elementary school and four high school students involved, he reached out to Brooke Langan, E-team adviser for those students who are tech savvy and involved in community outreach.

He had to collect releases from the students and their parents which would allow them to appear in the video. As an added bonus, he learned about the advantages of Google analytics.

He continues to update the calendar on

kidscreateplay.com so that every time an event passes, it reflects information about the next event. Although the website has generated only $200, he’s hopeful the number will continue to grow.

“I thought this would be a perfect fit to help market their fundraising,” said Trojak, who earned a 97 on the project. “Before the website it was kind of piecemeal. The committee had written letters to businesses, set up Facebook and go fund me pages, but they were all managed by different people.

I thought it would help if we had a central point with a call to action. They were really excited, and the fact that I could help the playground in the community I grew up in was great.”

This may have been the first website Trojak designed, but he doesn’t expect it to be the last. As part of following his dream of being a freelance travel writer, he envisions possibly creating and maintaining a website to showcase his writing.

Becoming a freelance writer will be no easy task, but Trojak has one big advantage – he’s already traveled to 15 countries, including China, Russia, Poland, Germany, Norway, England, Ireland, France, Belgium, Spain, Canada and Mexico. He leaves at the end of the summer for an extended trip that will take him to the Netherlands, Sweden, Finland, Russia, Japan and Norway.

“My parents kind of instilled a love of travel in me and took me on a lot of trips when I was young,” he recalled.

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Music in the Valley

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Joe Ronco, Agent 2968 Route 611 Tannersville, PA 18372 Bus: 570-534-4800 joe.ronco.dkxz@statefarm.com M, W, F 9 to 5 Tu & Th 9 to 7 Saturday by appointment

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On Saturday, July 11, 10 a.m. to 5 p.m., Quiet Valley Living Historical Farm is the place to be to hear the sounds of traditional music. Supported in part by a Project Stream grant from the Pennsylvania Council on the Arts, the ninth annual “Music in the Valley” will feature musical performances at various locations around the historic farm, reminiscent of how it would have been heard in the 19th century.

A variety of groups will perform at the different venues and the day will end with a jam session at 3:30 .m. As well as performances throughout the day, there will be hands-on sessions to provide visitors with an opportunity to take a closer look at the music and maybe even try a featured instrument. There will be a sing-a-long, storytell-

ing and activities for children and the young at heart. Puppeteer Bonnie Scott will give puppet shows throughout the day and the One Room School will be open. Wagon rides will take place, weather permitting.

There will be a seminar on traditional music presented by Norm Williams, Tom Druckenmiller and Betty Druckenmiller. It will be an opportunity to learn the background of songs you still know, and how the music of our country developed through the last two centuries.

The event will be held rain or shine, under tents as needed. Schedule is subject to change. Music in the Valley is included in the price of admission for the historic farm tour of $10; $5 for kids ages 3-12. The farm tours will also run.

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the Figure by Norm Rubin, Thursday, July 23 at 6 p.m. This presentation is a result of extensive research.

Continued from page 5 Friday, July 24, 1 p.m. Family Fishpaper plates, tissue paper, glitter glue ing Part 2 of 2. Learn the basics of knotand googly eyes to make a colorful fish. ting, rigging and baiting. Casting skills Ages 5-8. will also be covered. 20 seats available.

Friday, July 17, 1 p.m. Heroic Astro- Ages 5-12. nauts. Learn about Neil Armstrong and Saturday, July 25, 11 a.m. Craft: Sally Ride. Participate in an activity. 25 Superhero Jet Pack. Blast off with your seats available. Ages 8-11. jet pack using upcycled 2-liter bottles.

Saturday, July 18, 11 a.m. Craft: Ages 5-8.

Comic Strips. Put your imagination on Monday, July 27, 11 a.m. Field trip: paper and write your own comic strip.

Paradise Fishing Preserve. Bring a Ages 8-12. bucket to transport your fish home.

Tuesday, July 21, 11 a.m. Every Tuesday, July 28, at 6 p.m. Craft: Hero Has a Story. Magician Bob Conrad Cupcake Fish. Create an underwater uses magic, ventriloquism and storytellscene using cupcake liners to make coling to bring superheroes of all kinds to orful fish. Sign-up. Ages 3 and up. life. All ages.

Wednesday, July 29, 11 a.m. Way Wednesday, July 22, 1 p.m. Sand Art Back Wednesday. Movie: Superman on the Lawn. Fill a sun pendant with (PG) Go back in time to when Chriscolorful sand. Maximum 18 children. topher Reeve was Superman. Popcorn Ages 6-10. is provided but please bring your own The Brown Bag Book Club meets beverage. Parental supervision required.

Wednesday, July 22 at 12:30 p.m. and All ages welcome. is seeking new members.

Friday, July 31st at 1 p.m.—Learn Thursday, July 23, at 1 p.m. Pony about Marie Curie. Learn about Marie Rides and Root Beer Floats. (Rain date Curie, the first person ever to win TWO Thursday, July 30, 1 p.m.) Ages 2-10 Nobel Prizes, and will discuss x-rays only. with a fun activity. 25 seats available.

Marilyn Monroe, The Facts Behind Ages 8-11.

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what’s happening FROM PAGE 7

children 6 years and older. Call 570-99297233 or bkozen@weposc.org to register.

• Lady Queen of Peace Church, Route 209 in Gilbert, will hold a free community breakfast on Saturday, July 18, 8-10 a.m. in McCawley Hall at the church. For more information, call 610-681-6137.

• Wooddale United Methodist Church, 100 Barren Road in East Stroudsburg, will hold a family-style ham dinner and bake sale Saturday, July 18, rain or shine. First seating will be at 4:30 p.m. Tickets are $10; $5 for kids 5-12; kids younger than 5 will be admitted free.. For directions and information call 570-424-7490.

JULY 19 Safe Haven Pet Rescue will hold an adoption day from 11 a.m. to 3 p.m. on Sunday, July 19, at Tractor Supply, Rt. 940, Mt Pocono.

There will be many young dogs available for you to meet and get to know. Safe Haven requires a pre-adoption application with references and a home visit prior to adoption.

For more information about Safe Haven, and to find a list of dogs available for adoption and adoption applications, visit SafeHavenPa.org. email SafeHaven@epix.net or join Safe Haven Pa on Facebook.

• The Rimfire Challenge event, a program of The National Shooting Sports Foundation, will be held Sunday, July 19, at 1 p.m. at the Blue Ridge Cherry Valley Rod & Gun Club, 2178 Smith Road in Sciota. Cost is $50 per person age 12 and older, which includes: a safety briefing, lunch (hamburgers, hot dogs).

Pre-Registration is required and space is limited to 20 participants. Ammo is provided.

Arrive by 11:30 a.m. to sign-in and have lunch. There will be a mandatory safety briefing at noon.

New, novice and experienced shooters are welcome to compete. Shooters compete using a rifle and handgun from any manufacture in .22 long rifle caliber. This event will have four stages of five targets and four squads of five shooters each.

To register, visit brcv-rodgun.org and click on the “Rimfire Challenge” link. Payment is via PayPal. For more information, visit nssf.org, call (973) 223-7373 or email: saa@brcv-rodgun.org.

• The Devil’s Hole Creek “wet foot” walk will be held Sunday, July 19, 1-4:30 p.m.

Dip your toes into a natural adventure as you explore state Gamelands 221. Naturalists Don Miller and Bill Sweeney will lead this hike, part of the Where in the Watershed walks sponsored by Pocono Heritage Land Trust and Brodhead Watershed Association.

These walks are $5 for members, $10 for

12 THE P OCONO TIMES

nonmembers and children 12 and younger walk for free. To register call 570-424-1514 or email info@phlt.org.

• Lady Queen of Peace Church, Route 209 in Gilbert, will hold a free community Sunday supper 3-4 p.m. on Sunday July 19 in McCawley Hall at the church. For more information, call 610-681-6137.

• The West End Park and Open Space Commission continues the summer concert series with Lilli & Winston at 5 p.m. and Adam Jacob at 6 p.m. at the Chestnuthill Township Park, 221 Route 715 in Brodheadsville on Sunday, July 19. Free ice cream sundaes will be available. Bring a lawn chair, blanket and bug spray and enjoy an evening in the park.

JULY 21 Come to Cherry’s Sunset Restaurant, Route 209 in Kresgeville, at 6:30 p.m. on Tuesday, July 21, for a bite to eat and meet the volunteers of Safe Haven Dog Rescue.

The group needs volunteers to help with adoption days, fundraising, transporting dogs to vets and groomers and fostering homeless dogs until they find their forever homes. Help save homeless dogs.

For more information and to find volunteer and foster applications, visit SafeHavenPa. org, email SafeHaven@epix.net or join Safe Haven Pa on Facebook.

• The Young At Heart Seniors will meet at the Polk Township Fire Co. social hall in Kresgeville Tuesday, July 21 at 10:30 a.m. Refershments will be served, guests are welcome. Call 570-722-3895 for more information.

JULY 26 • Lady Queen of Peace Church, Route 209 in Gilbert, will hold a free community Sunday supper 3-4 p.m. on Sunday July 26 in McCawley Hall at the church. For more information, call 610-681-6137.

JULY 28 The monthly meeting of the Monroe Animal League will be on Tuesday, July 28, at 7 p.m. at the Eastern Monroe County Library, Rt. 611/N. Ninth St. in Stroudsburg. All Monroe County animal lovers are encouraged to attend.

For more information, visit monroe-animals.org or Facebook.com/MonroeAnimal League, email monroeanimalleague@gmail. com, or call 570-421-7775.

AUG. 4 Monroe County PA Association of School Retirees (PASR) will arrange a bus trip to see “Joseph” at the Sight & Sound Theater in Lancaster County, followed by a smorgasbord luncheon at the famous Shady Maple

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Restaurant. Bus will leave the Stroud Mall at 7:45 am; show is at 11 a.m.; luncheon at 2:30 p.m., free time to shop; leave Shady Maple at 5 p.m.; and home by 7:30 p.m. Cost is $ 91.00 which includes bus seat, show, luncheon, all taxes, gratuities and snacks. Call 570-424-8459 or e-mail at dragonda@ptd.net for more info/reservations.

AUG. 7 Our Lady of Victory R. C. Church on Cherry Lane Road, 1 mile east of Route 611 in Tannersville, will hold its annual homecoming bazaar Friday, Aug. 7, and Saturday, Aug. 8, rain or shine. The bazaar grounds will open at 5 p.m. each evening. There will be a variety of homemade ethnic foods and a games tent. For more information, call 570629-4572.

AUG. 8 Community yard sale at Middle Smithfield Elementary School with the Bushkill Fire Co. Auxiliary on Saturday, Aug. 8. Vendors needed. Set up begins at 7 a.m., and the yard sale goes until 2 p.m. The fee per space is $12 (size of the vehicle parking space).

Vendors are to bring their own tables, chairs and tents, if needed. No electricity or water is provided. A port-a-potty is available. Food will be available for purchase by the Bushkill Fire Co. Auxiliary. The rain date is Sunday, July 12. To reserve spaces or for questions, please email: bushkillfireauxiliary@gmail. com.

AUG. 9 The River Ramble on the Brodhead will be held Sunday, Aug. 9, 1-4 p.m. Visit the Brodhead Hunting and Fishing Club, 3775 Creek Road in Canadensis, and other land not always open to the public.

Stations throughout the expansive property of the club will be staffed by naturalists.

While the event begins and ends at Brodhead Hunting and Fishing Club, several locations

nearby will also be staffed by presenters.

The traditional after-ramble party, will take place from 4 to 5 p.m. at Brodhead Hunting and Fishing Club’s new clubhouse overlooking Brodhead Creek.

Suggested donation is $10 for members and $15 for nonmembers, with a $2 discount for pre-registration. Children younger than 12 can participate for free.

To register or for information, call 570839-1120 or visit brodheadwatershed.org/ riverramble.html.

AUG. 10 Theater Studio: A Confidence Theater will hold its Summer Puppet Mini Workshop”Muppet Extravaganza 2015,” Starting Monday, Aug. 10 through Friday, Aug. 14, 1-3 p.m. at the School of Visual and Performing Arts, 554 Main St, in Stroudsburg, on the second floor. The workshop is open to children ages 7 and older and teens. Students will be able to make their own puppet and put on a puppet show on the last day of class.

Those interested in only backstage areas are also welcomed to attend the workshop, for example help with scenery, art and props.

Cost: $60/student, siblings are discounted; all materials are provided and there is a minimum of four students in the class. You can register on the website (theaterstudiostbg. webs.com) or register on the first day of class.

AUG. 13 The Golden Travel & Social Club is sponsoring a trip to the Brandywine River Museum of Art Wednesday and Thursday, Sept. 2-3. Cost: $270 (double occupancy); $25 deposit due ASAP; final payment due Thursday, Aug. 13.

A trip is also planned to Branson, Missouri, and Memphis, Tennessee, Sunday, Oct. Ple ase se e CALENDAR, Page 13

Scholarship awarded

The Delaware Highlands Conservancy has awarded the inaugural Vanessa Van Gorder Memorial Scholarship, in the amount of $1,000 to Claire Harvey, a graduating senior at Honesdale High School. The scholarship was established this spring in honor of Van Gorder, a West Chester University grad who died in 2014. The Conservancy established this scholarship in Vanessa’s memory and to honor her dream of becoming an educator.

Harvey graduated cum laude from Honesdale High School, and is spending her summer as a counselor at Journey’s End Farm Camp in Sterling, where she will teach children about nature, conservation, and respect for each other. This fall, Claire will attend the University of California Irvine to study literary journalism.

In school and in her community, she was treasurer of the National Honor Society, a Scholastic Bowl Team Member and an intern at the Cooperage Project.

what’s happening F R O M P A G E 12 2884 Route 611 in Tannersville. For more 11 to Tuesday, Oct. 20. Cost $1,434 (double information, call 570-629-2620. occupancy); $1,723 (single occupancy); $100 SEPT. 15 due ASAP; final payment due Aug. 13. Call The Monroe County Area Agency on 570-972-6434 for more information. Only Aging located at 724 Phillips St., Suite 102 requirement is to join the club for an annual in Stroudsburg, will hold an open house fee of $15.

AUG. 15 The Cherry Valley United Methodist Church on Kemmertown Road, off Cherry Valley Road, Hamilton Township will serve a chicken barbecue dinner Saturday, Aug. 15, 5-6:30 p.m. Tickets are $10; $5 for kids younger than 12; kids under 5 admitted free.

Reservations required. Call 570-992-5494 or email penbos1@td.net for more information.

AUG. 22 Designer handbag bingo with the Bushkill Volunteer Fire Co. Auxiliary Saturday, We’ll Pay Aug. 22. The Bushkill Firehouse is at 123 For Your Junk Car Evergreen Drive, Bushkill. Doors open at noon. Calling starts at 1 p.m. Advance tickets are $20. Tickets at the door are $25.This is an adults-only event; no one under 18 will Chimney Repair be admitted. Refreshments will be available Parging • Stucco • Stainless Liners • Cleanings for purchase. To purchase tickets in advance ($20 each), mail payment along with attendee Custom Sheet Metal Shop names and contact information to: Bushkill Spring Hill Chimney 1-800-943-1515 Volunteer Fire Co. Auxiliary, Attn: Bingo, 124 Evergreen Drive, Bushkill, PA 18324. For Call Now! Stroudsburg & Surrounding Areas questions, email bushkillfireauxiliary@gmail. com.

NTL Contracting LLC AUG. 26 Power Washing & Water Proofing Pre-orders being taken for a pizza fundraiser now through Thursday, Aug. 20. Choice Masonry Repairs of plain, pepperoni or sausage (12 inch and ready for baking). Cost is $5 each for plain, Excavating $6 each for pepperoni or sausage. Pick up will Interior/Exterior House Painting be on Wedneday, Aug. 26, noon to 6 p.m. at Landscaping the Central Pocono Ambulance building, 2884 Power Washing & Water Proofing Paving Rt 611 in Tannersville. For order or more Masonry Repairs information, call 570-629-2620.

AUG. 29 Excavating Hard Scapes Bow Wow Bike Jam & Poker Run motorcycle ride has been rescheduled to Saturday, Interior/Exterior House Painting Landscaping Aug. 29, at Lappawinzo Fish and Game, 25 WHY WAIT!!!!! Call for Free Estimate 570-517-1895 Lappawinzo Rd., Northampton. The ride benefits Safe Haven Dog Rescue in Blakeslee and Peaceable Kingdom in Whitehall. Registration Handyman from 11 a.m. to 1 p.m. Kickstands up at 1 p.m.

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Food, music by The Cherry Bombs, raffles.

Complete indoor/outdoor handyman service Tickets are $20 in advance, $25 day of DELUXE HANDYMAN SERVICES event. Tickets can be purchased at Affordable Free estimates, fully insured.

Pet Center 2022 Main St. in Northampton Bob - 570-424-0584 or by calling 610 573-0161. You don’t need to ride to attend this event. Pets welcome.

Vendor spaces available for $50. Volunteers LECTRICAL ANDYMAN needed to help setup, tear down, serve food, seek donations and distribute flyers.

Plumbing • ELECTRIC • Carpentry SEPT. 12 Drywall • Landscaping • Painting A flea market/craft fair will be held SaturCall 570-424-6186 day, Sept. 12, 9 a.m. to 3 p.m., rain or shine, Willy Cell-570-730-7215 at the Central Pocono Ambulance Building,

Tuesday, Sept. 15, 10 a.m. to 2 p.m., The purpose of the event is to recruit a volunteer ombudsman who, under the supervision of the County Staff Ombudsman, advocates for those residents living in nursing and personal care homes by visiting with them, listening to their

concerns, needs and encouraging them to ask questions and speak up for themselves.

This is an opportunity to meet and talk with the local Ombudsman. Light refreshments will be served. Call 570-420-3735, ext. 3778 for more information.

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chimneys - sidewalks - steps - brick - block - stone - oddwashing jobs - water sealing & more - stone - power - water sealing & more

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JOHN 570-588-0745

Over 25 Years Experience Fully Insured & Dependable FREE Estimates (570) 421-5268 or (570) 807-9545

TREE SERVICE

PA Reg# 020716

Refrigerators, Washers, Dishwashers, Ranges, Built-In Ovens

• Cracked Foundations/Basements/Crawl Space • Water/Mold Removal • Install New Decks & Repair Old Decks • French Drains • Yard Excavation

• All Phases

• Driveways • Roads • Parking Lots • Gravel (Stone) • Seal Coating • Hot Patch Repairs

• Brick Paver Driveways • Patios & Walkways • Retaining walls (Block/Timber) • Columns • Tree Removal

• Homes/Decks/Patios • Stains (color/clear)

• Cracked Foundations/Basements/Crawl Space • Water/Mold Removal • Install New Decks & Repair Old Decks • French Drains • Yard Excavation

• All Phases

PA License #PA100261 Licensed and insured

E

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All Small Jobs

L AWN

A.B.C.

Landscaping and Lawn Care, Inc. 24 Years Of Beautifying The Poconos We Do: • Fall Clean Up • Lawn Maintenance • Trimming • Mulching • Snow Plowing

Fully Insured Free Estimate

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J.C. Equipment & Tree Service • Tree Removal • Landscaping • Clean-Up • Clean-Out • Grinding Stumps Insured • Reasonable

Contact Jimmy at

570-840-4350

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PA LIC.#065984

Masonry

side Installation, Inc Hearth .

Specializing in Stonework • Brick/Block/Concrete • Stucco • Paver Walkways Landscape Stone • Small Jobs • Repairs • Decks and Deck Staining Free Estimates • Fully Insured Serving the Poconos & surrounding areas for 30 years

570-350-6916

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570-350-1316

BUCKET TRUCK SERVICE

PA 051240

BUSINESS DIRECTORY CALL 570-421-4800 J ULY 8, 2015

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Retirement Withdrawal Rates

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During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will provide adequate income throughout your retirement years.

Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from returns or the principal itself, is known as your withdrawal rate. Figuring out an appropriate initial withdrawal rate is a key issue in retirement planning and presents many challenges.

Why is your withdrawal rate important?

Take out too much too soon, and you might run out of money in your later years. Take out too little, and you might not enjoy your retirement years as much as you could. Your withdrawal rate is especially important in the early years of your retirement, as it will have a lasting impact on how long your savings will last.

Conventional wisdom

So, what withdrawal rate should you expect from your retirement savings? One widely used rule of thumb states that your portfolio should last for your lifetime if you initially withdraw 4% of your balance (based on an asset mix of 50% stocks and 50% intermediate-term Treasury notes), and then continue drawing the same dollar amount each year, adjusted for inflation. However, this rule of thumb has been under increasing scrutiny.

Some experts contend that a higher withdrawal rate (closer to 5%) may be possible in the early, active retirement years if later withdrawals grow more slowly than inflation. Others contend that portfolios can last longer by adding asset classes and freezing the withdrawal amount during years of poor performance. By doing so, they argue, “safe” initial withdrawal rates above 5% might be possible. (Sources: William P. Bengen, “Determining Withdrawal Rates Using Historical Data,” Journal of Financial Planning, October 1994; Jonathan Guyton, “Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’ Initial Withdrawal Rate Too Safe?” Journal of Financial Planning, October 2004) Still other experts suggest that our current environment of lower government bond yields may warrant a lower withdrawal rate, around 3%. (Source: Blanchett, Finke, and Pfau, “Low Bond Yields and Safe Portfolio Withdrawal Rates,” Journal of Wealth Management, Fall 2013)

Don’t forget that these hypotheses were based on historical data about various types of investments, and past results don’t guarantee future performance.

Inflation is a major consideration

An initial withdrawal rate of, say, 4% may seem relatively low, particularly if you have a large portfolio. However, if your initial withdrawal rate is too high, it can increase the chance that your portfolio will be exhausted too quickly, because you’ll need to withdraw a greater amount of money each year from your portfolio just to keep up with inflation and preserve the same purchasing power over time.

In addition, inflation may have a greater impact on retirees. That’s because costs for some services, such as health care and food, have risen more dramatically than the Consumer Price Index (the basic inflation measure) for several years.

As these costs may represent a disproportionate share of their budgets, retirees may experience higher inflation costs than younger people, and therefore might need to keep initial withdrawal rates relatively modest.

Your withdrawal rate

There is no standard rule of thumb. Every individual has unique retirement goals and means, and your withdrawal rate needs to be tailored to your particular circumstances. The higher your withdrawal rate, the more you’ll have to consider whether it is sustainable over the long term.

All investing involves risk, including the possible loss of principal; there can be no assurance that any investment strategy will be successful.

Submitted by Yvonne L. Reitemeyer, ChFC, Frailey Insurance and Financial Services.

Nationwide, the Nationwide framemark, Nationwide Financial and On Your Side are service marks of Nationwide Mutual Insurance Company.

FEV-0876AO (04/15)

Securities and Investment Advisory Services offered through Nationwide Securities, LLC. member FINRA, SIPC. and a Registered Investment Advisor. DBA Nationwide Advisory Services, LLC. in AR, CA, FL, IL, NY, TX and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.

Copyright 2006-2015 Broadridge Investor Communications Solutions, Inc. All Rights reserved.

Contact Yvonne L. Reitemeyer at reitemy@nationwide.com

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570-421-7447 x233

puzzle page BY

MATT

JONES

“KAIdOKU”

SUDOKU!

Each of the 26 letters of the alphabet is represented in this grid by a number between 1 and 26. Using letter frequency, word-pattern recognition, and the numbers as your guides, fill in the grid with well-known English words (HINT: since a Q is always followed by a U, try hunting down the Q first).

Only lowercase, unhyphenated words are allowed in kaidoku, so you won’t see anything like STOCKHOLM or LONG-LOST in here (but you might see AFGHAN, since it has an uncapitalized meaning, too).

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Across 1 Nullifies 11 Basketball hoop part 14 Savory bakery appetizers 15 Hungarian wine city 17 “Tommy” star 18 The heart’s location?

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37 Words before well or often 38 Lifelong 42 Head-of-the-line boast 45 Subway in a Duke Ellington tune 46 They chase in chase scenes 48 Tony with a Lifetime Achievement Grammy 50 Attacked on foot 51 Times long gone?

52 Upgrade from black-and-white 56 Submission tape

57 NPR show covering journalism 58 “Solaris” author Stanislaw ___ 59 “Here goes nothing” Down 1 Maurice Ravel work 1 Get down without much energy?

2 Founder of the American Shakers 3 Workday start, for some 4 Phrase of reassurance, to a Brit 5 F flat, enharmonically 6 Copier option smaller than 29Down 7 Go limp 8 Hockey legend Bobby 9 Early Coloradans 10 Booster phase on some rockets 11 Unoriginal idea 12 “Whoa, look at the time ...”

13 Photo album contents?

16 Do the news 21 Arm art, for short 23 ___-mutuel (type of betting) 24 Relating to a certain column 27 Out in the open 29 Copier option larger than 6-Down 31 Eurasian cousin of the plover 32 Password accompaniment 33 Airy beginning?

34 Like 4, 6, 8, 9, 10, and 12 35 Onetime R.J. Reynolds mascot 36 Bottom of the ocean 39 1996 Gibson/Sinise flick 40 Never, to Nietzsche 41 Aphid that produces honeydew 43 Olivia Newton-John film of 1980 44 Lamentable 47 Slab of meat 49 “Beloved” writer Morrison 53 Capt. juniors 54 “Now I understand!”

55 “Automatic for the People” group

LAST WEEK’S ANSWERS

LAST WEEK’S SOLUTION edited by Matt Jones psychosudoku@hotmail.com

©2015 Jonesin’ Crosswords (editor@jonesincrosswords.com). For answers to this puzzle, call (900) 226-2800, 99 cents per minute. Must be 18+. Reference puzzle #731.

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J ULY 8, 2015

P OCONO TIMES

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All of these homeowners chose our replacement windows and patio doors –maybe you should too. = Our Northeast Pennsylvania Customers

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Offer not available in all areas, discount applied by retailer representative at time of contract execution and applies to purchase of 4 or more windows or 2 or more patio doors. Cannot be combined with other offers. To qualify for discount offer, initial contact for a free Window Diagnosis must be made and documented on or before 7/12/15 with the appointment then occurring no more than 10 days after the initial contact. 0% APR for 12 months available to well qualified buyers on approved credit only. Not all customers may qualify. Higher rates apply for customer with lower credit ratings. Financing not valid with other offers or prior purchases. No Finance Charges will be assessed if promo balance is paid in full in 12 months. Renewal by Andersen retailers are independently owned and operated retailers, and are neither brokers nor lenders. Any finance terms advertised are estimates only, and all financing is provided by third-party lenders unaffiliated with Renewal by Andersen retailers, under terms and conditions arranged directly between the customer and such lender, all subject to credit requirements. Renewal by Andersen retailers do not assist with, counsel or negotiate financing, other than providing customers an introduction to lenders interested in financing. PA Lic. # 082370. “Renewal by Andersen” and all other marks where denoted are marks of Andersen Corporation. ©2015 Andersen Corporation. All rights reserved. ©2015 Lead Surge LLC. All rights reserved.

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