september 2018 - chamberline - draft...2018/09/10  · fall home readiness the king’s kettle food...

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Chamber of Commerce Board of Directors and Staff Amanda Ridgway………..…..Ridgway Real Estate Mitchell Burrows……………..University Grille Chair: James Zimmerman…………..New Enterprise Stone & Lime Co., Inc. Dan Baer……………………..….ACNB Bank Anne Detter Schaffner……..S.U. Foundation Vice Chair: Steve Oldt………………………..Shippensburg Township Vicky Simmel…………………..Gannon Associates Insurance Rich Capozzi……………………..StretchPak, Inc. Treasurer: Scott Eckenrode……………….Aqua Power Pros/Creative Engraving Plus Chrystal Miracle……………….S.U. Foundation Nina Reese……………………….Orrstown Bank Secretary: Dr. Kimberly Garris…………..Shippensburg University Dr. Ronald Taylor……………..Shippensburg University Deborah Luffy………………….Shippensburg Area School District Past Chair: Kristen Rowe……………….....Cumberland Area Economic Dev. Corporation Ginger Everhart………………..Summit Health Melinda Thompson………….Cumberland County Marcie Taylor………………..…The Drew Michael Taylor Foundation September 2018 Sincerely, Dan Baer Chair; Board of Directors Shippensburg Area Chamber of Commerce Can you believe another summer has passed, although the summer heat doesn’t seem to want to let go? We, at the Chamber, are moving full steam ahead into the last quarter of this year with plenty to do and a great deal of events in which our partners can participate. I’ I’d like to take a moment and speak about several of our upcoming events. The Shippensburg Beer & Wine Festival will be held on Saturday, September 22nd at the Shippensburg Fairgrounds. We hope everyone will join us for a great afternoon of food, entertainment and beverages. We will have live bands, several food vendors, wineries, ciders, local and regional breweries and distributors, small games of chance and even some lawn games. There will definitely be no shortage of things to do. We can’t wait to see you there and don’t forget your lawn chairs and blankets! On Thursday, September 20th, the annual United Way Kick-Off mixer will be held at the Summit Health Shippensburg Medical Campus from 5 p.m. until 6:30 p.m. Please make plans to join us there to help kick-off another worthy United Way campaign. Coming in October is the Business & Career Expo being held on the 11 th from 4p.m. – 7 p.m. at the Shippensburg Firefighters Activity Center. On the 24 th is the Legislative Breakfast being held at The Orchards Restaurant from 7 a.m. – 9 a.m. with our elected officials attending to give us an update on the happenings in Harrisburg. Then on the 25 th , we will be holding our annual Leadership Conference at Shippensburg University. Lastly, we still have sponsorship opportunities available for these great events and would welcome your participation and support. Details for the events, sponsorship information and tickets can be found on the Chamber website at www.shippensburg.org or by visiting or calling the Chamber office at (717) 532-5509. As always, thank you for your continued support and have a great September.

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Page 1: September 2018 - Chamberline - DRAFT...2018/09/10  · Fall Home Readiness The King’s Kettle Food Pantry 30 North Fayette Street Shippensburg, PA 17257 (717) 530-9200 What they do…

Utility

Chamber of CommerceBoard of Directors and Staff Amanda Ridgway………..…..Ridgway Real Estate

Mitchell Burrows……………..University GrilleChair: James Zimmerman…………..New Enterprise Stone & Lime Co., Inc.Dan Baer……………………..….ACNB Bank Anne Detter Schaffner……..S.U. FoundationVice Chair: Steve Oldt………………………..Shippensburg TownshipVicky Simmel…………………..Gannon Associates Insurance Rich Capozzi……………………..StretchPak, Inc.Treasurer: Scott Eckenrode……………….Aqua Power Pros/Creative Engraving PlusChrystal Miracle……………….S.U. Foundation Nina Reese……………………….Orrstown BankSecretary: Dr. Kimberly Garris…………..Shippensburg UniversityDr. Ronald Taylor……………..Shippensburg University Deborah Luffy………………….Shippensburg Area School DistrictPast Chair: Kristen Rowe……………….....Cumberland Area Economic Dev. CorporationGinger Everhart………………..Summit Health Melinda Thompson………….Cumberland County Marcie Taylor………………..…The Drew Michael Taylor Foundation

September 2018

Sincerely,

Dan BaerChair; Board of DirectorsShippensburg Area Chamber of Commerce

Can you believe another summer has passed, although the summer heat doesn’t seem to want tolet go? We, at the Chamber, are moving full steam ahead into the last quarter of this year with

plenty to do and a great deal of events in which our partners can participate.

I’ I’d like to take a moment and speak about several of our upcoming events. The Shippensburg Beer & Wine Festival will be held on Saturday, September 22nd at the Shippensburg Fairgrounds.

We hope everyone will join us for a great afternoon of food, entertainment and beverages. We will have live bands,several food vendors, wineries, ciders, local and regional breweries and distributors, small games of chance and evensome lawn games. There will definitely be no shortage of things to do. We can’t wait to see you there and don’t forgetyour lawn chairs and blankets!

On Thursday, September 20th, the annual United Way Kick-Off mixer will be held at the Summit Health ShippensburgMedical Campus from 5 p.m. until 6:30 p.m. Please make plans to join us there to help kick-off another worthy UnitedWay campaign.

Coming in October is the Business & Career Expo being held on the 11th from 4p.m. – 7 p.m. at the ShippensburgFirefighters Activity Center. On the 24th is the Legislative Breakfast being held at The Orchards Restaurant from7 a.m. – 9 a.m. with our elected officials attending to give us an update on the happenings in Harrisburg. Then on the25th, we will be holding our annual Leadership Conference at Shippensburg University.

Lastly, we still have sponsorship opportunities available for these great events and would welcome your participationand support. Details for the events, sponsorship information and tickets can be found on the Chamber website atwww.shippensburg.org or by visiting or calling the Chamber office at (717) 532-5509.

As always, thank you for your continued support and have a great September.

Page 2: September 2018 - Chamberline - DRAFT...2018/09/10  · Fall Home Readiness The King’s Kettle Food Pantry 30 North Fayette Street Shippensburg, PA 17257 (717) 530-9200 What they do…

September 18 - Shippensburg Kiwanis; Shippensburg Public Library;73 West King StreetSeptember 22 - Pulled Pork Sandwich Fundraiser for Katie’s Place;Middle Spring Presbyterian Church; 135 Middle Spring RoadSeptember 22 - Vigilant Hose Company 175 AnniversaryCelebration; 20 Walnut Bottom Road

September 25 - Open Mic @ University Grille; 32 East King StreetSeptember 29 - Library Appreciation Day; Shippensburg Public Library; 73 WestKing StreetSeptember 29 - D.O.I.T.’S Farm to Table Dinner; McCreary AvenueSeptember 29 - Movies in the Park “Peter Rabbit”; McCreary AvenueSeptember 30 - Grief Share; Shippensburg First Church of God; 121 East KingStreetOctober 1 - Southampton Twp. Cumberland County Open Air Market; 180Airport Road

September 22 - 37 Annual M&T Harvest of the Arts Festival;Downtown CarlisleSeptember 28-29 - Pennsylvania Tea Festival @ The RosemaryHouse; MechanicsburgSeptember 29 - New Cumberland Apple Festival @ New CumberlandPark; New Cumberland

September 17 - South Mountain Partnership: 9 Annual SpeakerSeries; ShippensburgSeptember 20 - The Middleburg/Mason-Dixon Historical SocietyMeeting; State LineSeptember 22 - Franklin Fall Farm Fest; Musser Farm, ShippensburgSeptember 22 - Color Run/Walk benefits ITP Matters; FayettevilleSeptember 23 - Chambersburg Community Theatre Presents “Bye ByeBirdie”; The Capitol Theatre; Chambersburg

September 24 - Penn State Extension Office - Master Gardeners “VictoryGarden” Series; ChambersburgSeptember 25 - Grove Family Library - “Coffee With A Cop” Program;ChambersburgSeptember 26 - Council for the Arts Showing - “A Brush with Nature”;ChambersburgSeptember 27 - Blue Ridge Summit Free Library - September Schedule of Events;Blue Ridge SummitSeptember 28 - Green Grove Gardens Event Center - Forever Young Dinner &Show - Celebrating Patsy Cline; Greencastle

September 20 - 5:00pm-6:30pm - United Way Kick-off Mixer; Summit HealthCampus; 46 Walnut Bottom RoadSeptember 22 - 1:00pm-5:00pm - Shippensburg Beer & Wine Festival;Shippensburg Fairgrounds; 10131 Possum Hollow Road

September 25 - 8:30am-9:30am - Human Resources Focus Group; Holiday Inn Express &Suites; 120 Walnut Bottom RoadOctober 11 - 4:00pm-7:00pm - Business & Career Expo; Shippensburg Firefighters ActivityCenter; 33 West Orange StreetOctober 24 - 7:00am-9:00am - Legislative Breakfast with the Franklin County Chambers ofCommerce; The Orchards Restaurant; 150 Orchard Drive, ChambersburgOctober 25 - 6:00pm-9:00pm - Leadership Conference; Tuscarora Room - Reisner Hall,Shippensburg University

October 12 - 9:00am - 12:00pm - The First Step: Starting a SmallBusiness

Family Fun Day!Thank you to our Sponsors: DBSchenker & Volvo Construction

Equipment!

Family Care Services

Members 1st FCUKing’s Kettle Food Pantry

The Oasis of Love Church

Aqua Power Pros, Shippensburg FairQueen and Shippensburg Fair Sweetheart Shippensburg Public Library

Shippensburg Fire Department

Linda Asper of Shippensburg Township & “T-bone”from the Cumberland Valley Animal Shelter

Scott Shapiro of James Burd Elementary& Trooper Kelly Smith; PA State Police

Shippensburg Produce & Outreach (SPO)

SHAPE Gallery

Shippensburg Area EMS

Cub Scout Pack 121Waiting to see Miss Penelope!

Phantom Shadow Entertainment!

Scott & Smokey the Bear!

Thank You Papa John’s

DB Schenker

Volvo Construction Equipment

Page 3: September 2018 - Chamberline - DRAFT...2018/09/10  · Fall Home Readiness The King’s Kettle Food Pantry 30 North Fayette Street Shippensburg, PA 17257 (717) 530-9200 What they do…

RECAPAUGUSTEVENT

Source: Rick Yohe, Co-Owner RA Yohe Restoration & Construction, LLC

Where did summer go?? We say it every year and as we get to this point we can only look forward to theupcoming seasons. Fall is going to be here very soon, and you know what is coming after fall…Yepwinter! I wanted to talk this month about making your home or business better insulated to stop somedrafts and hopefully lower your energy bills.

So, go to the lumber stores and look at insulation. There are a very large number of differentinsulations on the market and how do you know what to use and where to use it? Well, this is where aqualified contractor comes into the picture. They can look at what you have and help you determine whatis needed and where. Let’s take a look at some of the options and solutions that you will need and use.

Before we start talking about each type of insulation there is, let’s talk about the most important part ofinsulation, R-Value. R-Value is found on every type of insulation. R-Value is the rating system forinsulation. It takes into consideration the density and thickness of the insulation and issues the R-Valuefor that insulation. The higher the rating the better the insulation value it will be. Also, the higher the R-Value usually means the thicker the insulation.

Insulation can be in “batt” form, loose form, rolled form or even in a can. Let’s start with the mostcommon form that we have all seen since we were little, which is “batt” form. Batt insulation comes inpackages that are rolled up or cut to a certain length. Batt insulation can have an R-Value from R-3 toR-48. It comes in faced or unfaced insulation batts. If you are using it in walls or in attics, then the paperfaced is needed and the paper should go towards the conditioned space of your home. There are nowcodes that tell you what R-Value you will need to use in every spot in your home.

Blown or loose insulation is another form of insulation that is used. Cellulose insulation is blown in yourattic spaces and High-Density insulation is blown into walls and can give you a tight home. There aremany professional companies that do this work. Local lumber companies have the cellulose insulation instock and the machine to install it. This is a very easy way to increase the R-Value in your attic spacesand not a very expensive project to do.

Spray foam is another form of insulation that we have all seen. Use this to fill in any cracks or holesthat you may find. It comes in a can and as you spray it, it will expand. You need to very careful not tospray too much because it can over expand and most importantly you do not want to get any on you!! Itwill have to wear off of you over time.

Lastly, lets talk about drafts. The number one way to stop air coming into your house is aroundwindows, doors and the one people don’t think of, receptacles and switches. Fill in all gaps aroundwindows and doors or have a professional take window and door trim off and install spray foam aroundthem. Take lighting switch and receptacle covers off and install insulation pads that are designed to gobehind the covers. It is amazing how much air comes in around these spots.

Insulating areas of the home can be easy or tricky. You will need to contact a professional for somejobs, but you can do a lot yourself. Small steps can show big rewards when it comes to the very coldseason and your energy bill. The lower the energy bills are the more comfortable you are at a lower price.And who doesn’t want that!!

Fall Home Readiness

The King’s Kettle Food Pantry30 North Fayette Street

Shippensburg, PA 17257(717) 530-9200

What they do…

The King’s Kettle Food Bank serves the ShippensburgArea School District. It provides supplemental fooddistribution to low income families and individuals.

Emergency food assistance is also available.

Special holiday needs…

For years, The King’s Kettle has been providing holidaybaskets for Thanksgiving to local families in need.These baskets have traditionally included turkey,

stuffing mix, potatoes or mashed potato flakes, greenbeans, dinner rolls, cranberry sauce, pie or pie mix and

things to make a complete holiday meal. Food andmonetary donations are needed all year long and

especially during the holiday season.

Help needed…

Volunteers are always needed to stock shelves,distribute food and many other tasks. Donations of non-perishable food items (in date) are welcomed including:

Peanut butter, spaghetti sauce, pasta, canned meat,canned fruit, instant oatmeal, macaroni and cheese,

baking mixes, Jello, pudding, cereal and canned soup.Monetary contributions are also needed.

If you would like more information on volunteering,contributing a donation or if your organization would

like to help by being a sponsor, contactPastor J.R. Wells at King’s Kettle.

Family Fun DayThis year’s Family Fun Day took place on

Saturday, August 11th from 11am - 2pm at theShippensburg Fairgrounds. Our sponsors were

Volvo Construction Equipment, DB Schenker andthe Shippensburg Community Fair.

It was a sunny and hot day with an occasional lightbreeze to cool things a little. Many families had fun

visiting with over 30 exhibitors who providedvaluable information on services and resources,

crafts or games,face painting and distributed manygiveaways. Phantom Shadow Entertainment keptthe event lively with music and inflatables along

with The Magic of David Wayne and MissPenelope who created fun balloon animals for the

kids. The King’s Kettle Food Pantry distributedmany items to families including necessities,

school supplies and more!! The Chamber staffalong with the Shippensburg Fair Queen,Shippensburg Fair Sweetheart, Little Miss

Shippensburg Fair and employees of DB Schenkerserved well over 100 pizzas from Papa John’s

along with bottled water, cookies, juice boxes, andhalf pints of fat free chocolate milk distributed by

the Cumberland County Dairy Princess.

Parents were able to obtain free child IDfingerprinting and free child safety seat checks by

the PA State Police in partnership with James BurdElementary School. New car seats donated by

H&H Chevrolet, Cadillac were provided to familiesin need. Also on display was a beautifully restoredantique fire truck from the Shippensburg Fire Dept.

for the kids to check out and ring the bell!

Thank you to all of our exhibitors for participatingand to the following businesses & individuals for

their generous donations and volunteer assistance:Servpro of Shippensburg/Perry County, H&R

Block, Weis, Pepsi Company of Newville,Harrisburg Dairies, Giant, Greg Coy, Bryan Coy

and the first responders of Vigilant Hose Company,JA/LEX Real Estate, Papa John’s, The Oasis of

Love Church, David Barrick, Kyrenn Barrick, KamiSouder, Melinda Thompson, Patricia Bunn and

Scott & Amy Eckenrode of Aqua PowerPros/Creative Engraving Plus.

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Rain or Shine!

Source: Randy O’Donnell, Chief;Shippensburg Fire Department

175th Anniversary!

Page 5: September 2018 - Chamberline - DRAFT...2018/09/10  · Fall Home Readiness The King’s Kettle Food Pantry 30 North Fayette Street Shippensburg, PA 17257 (717) 530-9200 What they do…

Utility

Source: Duane Kanagy, Manager of Communications/Community Services Adams Electric

Teaching Youngsters the Lesson of Energy Efficiency

Electronic and mobile devices, TVs, computers andgaming stations have become ubiquitous fixtures inour homes, particularly those with children. Thisever-connected world is the modern environment inwhich children are growing up. And with lifestylesincreasingly reliant on technology and in turn, energyconsumption, teaching youngsters to save energy is animportant life lesson.

The Why

But before parents can teach their children how tosave energy, they must first answer the question,“what’s in it for me?” As most parents can attest,convincing kids to care about energy efficiency is ahard sell. Parents need to explain why it’s important tosave energy and how it benefits the child – otherwisethey will not understand the need to change theirhabits and will be less motivated to do so. In thesimplest terms, less money spent on an electric billcan mean more money used for fun activities (that’ssomething children can relate to!).

Less tangible, but just as important, using lessenergy means running your home more efficiently,conserving natural resources and helping theenvironment.

Learning by Doing

Because “saving energy” is an abstract concept forchildren, be specific about energy efficiency actionsand set an example. We know that children learn byobserving what their parents do. Even if they don’tsay anything, children are processing your actions.When you turn off the lights when leaving a room orunplug the phone charger once the device is fullycharged, they will notice.

Learning about energy efficiency doesn’t have tobe a boring lecture. Make it fun for greater impact.For younger kids, turn energy efficiency into a“treasure hunt” game to locate all the things in yourhome that use electricity. Depending on the age of thechildren, challenge them to count and group the itemsinto categories: electronics, appliances, lights, etc.

If age appropriate, have them create a list. Askwhich gadgets and appliances could be turned off orunplugged to save power every day.

For older children, show them how to program thesmart thermostat and appliances. Shop with them forLED lights and discuss ENERGY STAR-ratedappliances. Show them the electric bill so they can seethe costs, energy use and how their actions impact thebill. Kids of all ages can learn a few simpleenergy-saving habits that can last a lifetime:

· Turn off lights, devices, computers and video consoles when not in use.

· Open blinds and curtains during winter days to letwarm sunlight in and close them during summer daysto keep your home cooler.

· If your children are old enough to run the dishwasher or wash their own clothes, teach them torun these appliances only with a full load and duringoff-peak energy hours.

Rewards

Offer rewards for agreed upon milestones.Rewards provide positive reinforcement on energy-saving actions. The idea is to create a habit of beingenergy efficient. And for parents, this could mean lessnagging about turning off the lights!

Teaching your children about saving energy is notonly a creative way to spend time with them; it helpsyour home to be more energy efficient and can instillgood habits that will benefit your child long intoadulthood.

--Courtesy Adams Electric Cooperative

For more information, visit www.adamsec.coop

Source: Deborah Luffy, PrincipalShippensburg Area Senior High School

Career Counselor at SASHS

Shippensburg Area Senior High School participates in a program for students to get more access andinformation on the processes to apply for post-secondary education by having a counselor whose primaryfocus is just that. SASHS is glad to have Karlina Juelch,a member of PA College Advising Corps, return for asecond year. The Corps is a group that places recent college graduates into high schools to advise on thecollege process. This includes: The College Search, The College Application Process, Financial Aid & theFAFSA, and Career Exploration among other things. She will organize and host a variety of events throughoutthe year such as College Info Night, Financial Aid night and FAFSA Completion Nights.

Starting in September she will be hosting a Coffee with the College Counselor Night for parents to come,enjoy some refreshments, and talk to her on a variety of topics outlined below:

September: The SAT: What to ExpectOctober: Understanding the Cost of CollegeNovember: Admissions: A Peek Behind the CurtainFebruary: Questions & Concerns? Check InMarch: Navigating Loans & Financial AidApril: Off to College? What to Expect

Accepting Participants…Contact the Chamber Office for more information!

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Utility

Source: Pastor Jim Rogers Shippensburg First Church of God

Source: Samantha Ennico, Corporate Communications Intern Volvo CE

Volvo CE is There for Kids During Back-To-School Season

The Volvo CE Charitable Board gives back to the community by providing essential school suppliesto families in need.

On Thursday, August 9, Volvo CE employees volunteered at the annual Carlisle 4 Kids event, runby Project SHARE. The annual event brings together non-profits, businesses and local churchesto provide proper supplies to families in need to send their kids back to school for the year. Thechildren are provided with a backpack, a pair of shoes, and school supplies for their grade level.In addition, each family is provided with immunization checks and a bag of personal care items.

Volvo CE was one of many organizations that donated and volunteered at Carlisle 4 Kids. TheCharitable Board partnered with Project SHARE through Winston Jones, Charitable Board member.“Derek Ashenfelder and I were really excited to have VCE involved in this event. The volunteerswere really excited to talk with kids and interact with parents and that kind of an experience isawesome!” said Winston, parts order desk specialist.

Volvo CE donated 397 elementary school backpacks and 208 high school backpacks. Sixemployees also attended the event and handed out the backpacks and binders. The event was ahuge success with close to 800 children registered to receive supplies and there were more thanenough supplies to go around for everyone who came.

“We really want to thank all the volunteers that supported the event and the charitable board forapproving a generous donation to support Cumberland County student school supplies!” saidWinston.

For more information, visit www.volvoce.com

September 3rd was Labor Day. The U.S. Department of Labor says this, “It is appropriate, therefore, that the nation pays tributeon Labor Day to the creator of so much of the nation's strength, freedom, and leadership — the American worker.” It is agood thing to work. As a matter of fact the Bible says in 2 Thessalonians 3:10, “If a man will not work, he shall not eat.” But it isalso good to rest from our labors. One of the traditional ways of celebrating Labor Day is to have a day off work. Hopefully yourested on Labor Day and enjoyed the time with family and friends.

The importance of resting from our labor was dramatically illustrated when God rested from His work on the seventh day aftercreating the heavens and the earth and all that is within them. But the main reason God rested from His labor was to point us to areality that would come later through Jesus Christ - a spiritual rest.

In ancient times people labored to earn God’s favor by keeping His Law and the misguided man-made religious regulations of theday. Nobody could ever keep all those laws and regulations perfectly. They never felt accepted by God and always lived in fear ofjudgement. It was an endless cycle of trying and failing. Never able to live up to God’s standard of righteousness. But then Jesus, theSon of God arrived on the scene, and kept the Law of God without fault. That is something we can never do, no matter how hard wetry. So when He died on the cross He took the judgement our sin deserved and gave us His righteousness. Through faith in Him weare accepted by God. No longer do we need to fear judgement. We no longer need to “work” for our salvation and acceptance. It isHis work on the cross that achieved those for us. Now we have rest from our labor through faith in Him. Hebrews 4:3 says, “Nowwe who have believed enter that rest…”

What about you? Are you working and working to earn your salvation and acceptance by God? Do you always fall short and dealwith shame, guilt and the fear of judgement? Do you want to rest from your labor? Put your faith in Jesus and take a rest. He did thework for you.

For more information, contact Shippensburg First Church of God, 121 E. King St., Shippensburg or (717) 532-8421 or visit www.shipfcog.org.

Source: Staci Wickard, Office AssistantShippensburg Community Parks & Recreation Authority

SCPRA - Fall Fun in the Shippensburg Parks

2018 Fall Fest @ Shippensburg MemorialPark

Sat. Oct. 27th 5 – 8 pmFeaturing Trunk or Treat at 6 pm

In 2017, approximately 1,000 people attended the family-oriented Fall Fest whichincluded carnival games, an obstacle course, photo booth, hay ride, pumpkin patch,Trunk or Treat, Pumpkin Bowling hosted by the CV Hitmen players and visits with

first responders. Our event grows every year and we look forward to anotherwonderful time. The support of our friends in the business community make thisevent possible with financial donations and hours of volunteer service. Donations

help sustain our event and benefit the community which we serve.

Please consider supporting our event with either a donation to our annual Fall Fest or by participating in the “Trunk or Treat” part of the event.

You can contact Staci in the office for more details – info in the sidebar.

CONTACT US AT:

SHIPPENSBURG COMMUNITYPARKS AND RECREATION

AUTHORITY (SCPRA)677 ORRSTOWN ROAD

SHIPPENSBURG, PA 17257

OFFICE: 717-530-0261EMAIL:

[email protected]

SCPRA is supported byShippensburg Borough andSouthampton/Franklin Co.

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Utility

Source: Jason Reimer, Members 1st ChiefAdministrative Officer/Chief Counself

Joint Account or Power of Attorney: What’s Right for Me?

Joint accounts and powers of attorney are helpful tools to provide you with the peace of mind of knowingthere is a plan for your economic future if you encounter future health challenges. These accounts canbe used when you are perfectly healthy, too. It is important that you understand these tools, and how andwhen you may want them to be a part of your financial plan. Once you understand how both joint accountand powers of attorney work, you will have a much better perspective on whether or not you want to addthem to your financial planning toolkit.

What is a Joint Account?

With a joint account:

ꞏ Two or more individuals have access to the account;

ꞏ Each person can deposit, withdraw or transfer funds ­ regardless of who put the funds into the account;

ꞏ Deposits payable to only one of the joint accountholders can still be deposited into the account;

ꞏ It's easy for a delegate to manage bill payments and other day­to­day banking needs.

However, there are some risks: joint accounts can leave you vulnerable to financial abuse, since everyonehas full and equal access to the funds regardless of where they originated. Importantly, when one of the individuals passes away, the funds are split among the remaining account holders. As such, if you putyour parents or children on your joint account, they will receive the percentage of the account if you pass away—regardless of what your will states.

What is a Power of Attorney?

A power of attorney is a legal document in which you assign one or more individuals, known as an"attorney," the authority to act on your behalf regarding financial or legal matters for some property (in thiscase, your accounts). Don't let the term "attorney" confuse you. While you may choose a lawyer for thisrole, it's more often someone close to you: a friend or family member. You can give them the authority toact on all your property and financial matters, or it can be limited to specific functions, such as managingyour investments.

Which should I choose?

Since this decision can have a significant impact on your well-being, carefully weigh your options whenselecting your account type. If you only want the person to help you with your finances, and not obtain themoney when you pass away, the power of attorney may be the best option.

If you have more questions on this topic, we recommend you talk with a lawyer or trusted financial advisoror accountant.

For more information, visit www.members1st.org

And like that, summer is over. We have enjoyedcookouts, family picnics, vacations to the beach andballpark hot dogs for the last 3 months. Now we arelooking at a belly that wasn’t there in early June and abusy fall schedule. How do we get back on trackknowing that winter is coming and I can easily hide myexcess weight with a baggy hoodie or long sleeved T?

The fact of the matter is that getting started again isn’tfun. Trying to get back into the routine of waking upearly or hitting the gym after work is over can be verychallenging especially when you just enjoyed a fewmonths of freedom having the time of your life. Not tomention trying to eat salads with the taste of a freshgrilled cheeseburgers still in your memory.

Just like going back to school for teenagers getting backto the healthy lifestyle hardly seems fun but it isnecessary. Below are three ways to get back on trackand to succeed from now until next summer!

First set reasonable goals. We all want to be DwayneJohnson “ The Rock “ or Catherine Zeta Jones but thefact of the matter is….We’re not. We have tounderstand what is realistic for our body type, how mucheffort we are willing to put in in the gym and the kitchen,and how strictly we are going to follow our program.

Second is to establish a support system. This doesn'thave to be a workout partner or a friend that’s doing adiet with you but more so a system of consistency tokeep you on track. For example, on Sunday prepMonday’s, Tuesday’s, and Wednesday’s meals. Checkyour schedule for the same days and set alarms in yourphone for when you will be working out and make thosetimes mandatory similar to an important businessmeeting and write down all possible excuses you coulduse to fall off of this set plan so it is easier to avoid themmoving forward.

Third and final, enjoy the process. You aren’t going toend every day with a measurable win like a pound ofweight lost or a new personal record on your bench butyou can know that you put in effort that day and youworked hard and you earned the right to be happybecause of it! At the end of the day, no two people inthe world are exactly the same so this idea that we needto fit a certain mold is crazy, instead focus on whatmakes you happy in your own skin and enjoy thejourney towards your ideal body!

For more information, contact Power Train Sports & Fitness,1007 Wayne Avenue, Chambersburg or

(717) 884-4207 or visit www.powertrainsports.com

Source: Lewis Reese, Regional Director Power Train Sports & Fitness

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Utility

Grand Point Church Shippensburg246 South Fayette Street, Suite 9

Shippensburg, PA 17257(717) 263-9523

www.grandpoint.church

Serving the Shippensburg area as a church for the community.

Reid’s Winery2135 Buchanan Valley Road

Orrtanna, PA 17353(717) 677-7047

www.reidsorchardwinery.com

Family owned and operated orchard and winery with locations in Orrtanna and Gettysburg producing wineand hard ciders.

Taylor Financial Management402 Richwalter Avenue

Shippensburg, PA 17257(717) 530-6000

www.taylorfinancialmanagement.com

Working with individuals, families, businesses and school districts in South Central PA and beyond to help plan a solid financial future.

The Record Herald30 Walnut Street

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Source: Ellen J.W. Gigliotti, LMFT Sanctuary Christian Counseling

Why Fall is Brillant

I love fall, and I know I’m not alone.

There’s just something about the crisp air, the tang ofapples and wood smoke, the sight of turning leaves,the shorter days and chilly nights.

Though I no longer have school-aged children, I lovethat “most wonderful time of the year” the Staplescommercial touts when buses roll again, and kids arewalking by our home on their way to and fro. I loveseeing toddlers taking hay rides to pick apples, andour neighbors ringing ‘round their firepit.

And apple cider! Need I say more?

Yet, like all good things, fall can have a dark side.

With the advent of colder temperatures and earlierdarkness, it can be hard to get in that outdoor exercisethat’s so essential for all of us.

As the days get shorter, with less sunlight, thosesuffering from Seasonal Affective Disorder (SAD) maystruggle with depression and anxiety.

Anticipation of late fall and early winter holidays maystress those with complicated family situations.

Those in various schools of education may beoverwhelmed with new information, tasks, orrequirements.

Here are some suggestions to help you stay healthyand minimize stress in your life in this lovely season:

ꞏ There are some astoundingly healthy fallvegetables and fruits. Consider pumpkin, which is darnnear perfect, full of vitamins A and C, fiber and lots ofother good nutrition. They not only make a great Jack-0-Lantern, they make a great snack, too. Think beyondpie and those yummy pumpkin spice lattes and you’llbe surprised how delicious they can be.

ꞏ It’s time to plan ahead for winter ‘flu season and geta ‘flu shot. Do it.

ꞏ Before it gets too cold or dark, spend as much timeas you can outside. The crisp air is a gift between thesweltering air of summer and the freezingtemperatures of winter.

ꞏ Fall is a great time to explore local farmer’smarkets and enjoy the bounty of the harvest – broccoli,squashes, cabbage, carrots, cauliflower, kale, andeggplant are especially abundant and rich in versatilityas well as abundance and nutrition.

ꞏ When tailgating, try to eat lean like an athleterather than overeat like a spectator. It’s easy to packon the pounds with unhealthy options, but try to stickto whole, healthy foods.

ꞏ Moderate your passion for Halloween candy. Justbecause every store puts it out about back-to-schooltime, doesn’t mean you should eat it.

ꞏ On a big eating holiday such as Thanksgiving,make sure you begin the day with a protein-and-fiberpacked breakfast. It’s tempting to skip that meal,knowing you’ll be eating more later, but eating a goodbreakfast makes it more likely you’ll make good,informed food choices later because you won’t befamished.

These suggestions are by no means exhaustive, buthopefully one or more of them will help you enjoy theupcoming fall season just that little bit more.

If you struggle with transitions, with relationships, orjust with life, give us a call. We specialize in helpingyou live your best life, and want to walk along sideyou in whatever you’re struggling with.

For more information:Sanctuary Christian Counseling LLC9974 Molly Pitcher Highway, Suite 4

Shippensburg, PA 17257717-200-3158

[email protected]

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