Gesher Fund Update - Decisions!‏

[Julie Berger]

Hello friends!

Happy almost summer!  Camp begins in just 28 days, and although our packing-the-trunks days are long gone, knowing the camp is about to happen always makes this time of year feel hopeful and exciting in some way. It has also been an especially successful year for camp, with Joel now director and with a fantastic new development director, Missy Stein. 

I recently had productive conversations with both Missy and Joel, to check in on the Gesher Fund and revisit the conversation of how it can be most effective for camp. 

To date, we have raised almost $30,000 - a truly amazing feat!  When we embarked on forming this fund, it was with the intention that once we reached $18,000, it would become endowed, and the interest produced would serve as scholarship funding.  With some office roles in flux for the past few years, unfortunately it seems that this endowment was never actually formed.  As a result, our funds have been sitting in the account untouched. 

Joel and Missy are both very committed to remedying this oversight.  I stressed to them how important it is to us that the money we have worked hard to raise these past few years have a real and immediate impact on campers.  Missy, Joel, and Bruce are excited to help actualize this impact, and they have made the following recommendations regarding scholarship:

- The fund can officially become endowed immediately, and thereafter all interest produced would immediately become accessible as scholarship money for the overnight camp, day camp, and Tikvah Family Camp. 

- Camp staff decides which campers and families receive scholarship money, but the campers who receive money from this fund would receive notification that it was from the Gesher 2000 Scholarship Fund, as well as an explanation of why we formed this fund.  Those campers would, in turn, write a letter to Mike and Andy's families acknowledging the gift. (This is standard practice for endowed scholarship funds.)

**Additionally, because we have raised an additional $12,000 above the endowment level, we have two options as to what could be done with this funding: 

1) Endow the entire fund of $30,000. This money would remain as the principle, and every year it would kick off interest that would be immediately used as scholarship.  Doing this would obviously produce more interest - and therefore more scholarship - than endowing at the $18,000 level.  Any additional donations to the fund, including money raised at Thanksgiving, would build the principal, which would, in turn, produce a higher level of scholarship.

2) Leave the endowment at the $18,000 level, to be endowed immediately, and whose interest would also  produce a yearly amount of scholarship earmarked for an individual camper who would then be connected to the Levin and Schloss families.  Use the remaining $12,000 of the fund for a physical need at camp -- the renovation of the Gesher Porch.  A small plaque honoring Mike, Andy, and the edah's contribution would be placed on the porch. As above, any additional donations to the Gesher 2000 Fund would still add to the principal of the fund.

The work on the porch could be done over the course of next year, and be ready by next summer (2015).  If we choose this route, to mark the contribution - and our 15th Gesher anniversary! - camp would love to have our edah, and Mike and Andy's families, come up to camp for a special ceremony to dedicate the porch next summer.

SO!  I know that is a lot of information to take in.  I would like to ask for feedback on these two options.  I know we raised this money with the core intention of using it for scholarship.  Option 2 allows us to remain committed to that goal, while also impacting camp in a very tangible way and creating a tangible tribute to our friends.  Option 1 keeps us solely committed to that goal and allows us to produce a higher level of scholarship each year. 

Please respond with your thoughts!
Much love,
Julie

[Lisa Friedman]

Wow Julie this is such amazing news! Cannot believe we reached our goal and thensome!

I personally love  option 2 - as I have very very amazing and specific memories with the boys and our Edah on the gesher porch and I love the idea of having a physical place where we can honor their memory while also helping improve camp.

I love the idea of the campers who receive our scholarship knowing where the money came from and writing Andy and mikes parents - and the thought of our Edah up at camp with the Schloss and levin family on our 15th anniversary together sounds beautiful. 

I think this option satisfies both goals of ours of helping kids get to camp and putting a meaningful physical addition to camp on behalf of gesher 2000. Julie thanks for following up and helping make this happen!

Hope everyone is great!! 

Lis

Sent from my iPhone

[Lonni Romirowsky Gajer]

I love the idea of being able to help camp with physical improvements while also providing scholarship funds to campers in need. Is there a way that we can meet somewhere in the middle so that we're not using up the entire pot now (I think we need to keep our long-term goals in mind too - make sure this fund is here for a long time into the future) but also make a nice contribution to the capital project? Maybe, from a development standpoint, that would also incentivize other families to see that we've make a nice dent and they'll also contribute.

Very exciting news!
Lonni

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[Kevin Waloff]

Hey Julie,

Any idea how much interest the endowment would spin off with a principle of 18K vs 30K???  I think that could be helpful in deciding between restoring the porch (which as a previous gesher counselor x2, I think would be really cool) and endowing the entire fund.  While fixing the porch would be awesome, having a bigger scholarship each year may make more of a difference.  I don't know...  Just throwing it out there.

-Kevin

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Kevin R. Waloff

[Kevin Waloff]

Hey Julie,

Any idea how much interest the endowment would spin off with a principle of 18K vs 30K???  I think that could be helpful in deciding between restoring the porch (which as a previous gesher counselor x2, I think would be really cool) and endowing the entire fund.  While fixing the porch would be awesome, having a bigger scholarship each year may make more of a difference.  I don't know...  Just throwing it out there.

-Kevin

On Thu, May 22, 2014 at 12:57 PM, Lisa Friedman <lisagf...@gmail.com> wrote:

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Kevin R. Waloff

[Julie Berger]

Yes - at $18,000, the fund would produce about $800 of scholarship money each year.  Although every Thanksgiving, and through any other yearly donations, the principal would grow and kick off more interest.

At $30,000, it would produce about $1350 each year.

Just for reference, the average scholarship given to a family is $1000. 

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Date: Thu, 22 May 2014 13:05:13 -0700
Subject: Re: Gesher Fund Update - Decisions!‏
From: kwa...@gmail.com
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[Rick Gold]

Julie -

Thanks for keeping us updated. This is great news. 

To answer Kevin's question, the impact of the principal size in endowment economics is twofold: 1) the amount typically paid out p.a. and 2) the amount of interest generated. The goal is to offset the payout with the interest year over year for perpetuity. We would expect ~$750 in additional interest and payout annually with $30,000 in principal (a payout of ~$1,800) versus a payout of ~$1,000 with ~$10,000 in principal. 

I think it would be great to beautify camp with the new porch. We can also aim to recapitalize the $12,000 spent in commemoration of our 15th anniversary and to continue to honor Mike and Andy. It would be awesome to present the two families with the check next year. Thoughts?

Hope you are all well. 

Rick

[Julie Berger]

Thanks to all so far for input and info!  Some folks have also responded to me individually.  I am now keeping a tally of which options people prefer.

My personal vote is for supporting the Gesher porch renovation and endowing the fund at $18,000.  I think this allows us to do two beautiful things for camp and to have Andy's and Mike's memories touch many, many campers.

The Thanksgiving fundraiser contributes around $2000 to the fund each year, so the $18,000 principle will certainly grow, as it will as folks continue to contribute to the fund.  The porch renovation is an immediate need for camp -- because of the hurricane last year, and just due to wear and tear, the porch as well as the roofs and floors of all the bunks in camp are in need of replacement.  They are in need of donors for all these projects.

I look forward to hearing more feedback from others!
Julie
____________________________________________________________________

Yes - at $18,000, the fund would produce about $800 of scholarship money each year.  Although every Thanksgiving, and through any other yearly donations, the principal would grow and kick off more interest.

At $30,000, it would produce about $1350 each year.

Just for reference, the average scholarship given to a family is $1000. 

Subject: Re: Gesher Fund Update - Decisions!‏

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Date: Thu, 22 May 2014 16:23:00 -0400
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[Lonni Romirowsky Gajer]

I love the idea of being able to help camp with physical improvements while also providing scholarship funds to campers in need. Is there a way that we can meet somewhere in the middle so that we're not using up the entire pot now (I think we need to keep our long-term goals in mind too - make sure this fund is here for a long time into the future) but also make a nice contribution to the capital project? Maybe, from a development standpoint, that would also incentivize other families to see that we've make a nice dent and they'll also contribute.

Very exciting news!

[Josh Singer]

Hi friends,

After giving the two options a lot of thought, we vote that we should endow the Gesher Fund with the full $30,000 so that more scholarship money is available in the future. While it is very appealing to contribute to making tangible and immediate changes to camp, the goal of the Gesher Fund is to provide opportunities for kids to have the Ramah experience - dirty bunks and all. $30,000 is an unbelievable start, but we are nowhere near our goal to provide a significant annual scholarship from the interest on our endowment. We don't think this is the time to reduce the principal by 40%. I hope everyone is doing well.

Love,

Singer and Judy

[Kevin Waloff]

Hey everyone,

I tend to agree with the Singers.  I would vote to endow our fund at $30,000 and spin off a larger and more substantial scholarship this year and every year after.  I think restoring the gesher porch is a cool and important project, but not one to take on at this time.  Our original goal when brainstorming years ago was to make it easier for more kids to go to camp.  Maybe down the road, once the fund has grown a little more we can take on side projects similar to the gesher porch.  Endowing everything we have raised now seems more in line with our original goal. I would hate reduce our principal and lose out on the opportunity to give an extra $550+ per year to a family (a considerable chunk given the current tuition for a full summer is $7790).  Hope all is well!

-Kevin

 

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Kevin R. Waloff

[Julie Berger]

Hi all,

Thanks to everyone thus far for weighing this question and offering insight and input. 

I have heard from 15 people so far - 5 have voiced strong opinion to maintain just the scholarship fund, and 10 have opted to maintain the fund at the lower endowment level and put the rest toward renovating the Gesher porch.

I hope this can be as communal and representative a decision as possible.  If anyone else would like to offer input, please respond - to the whole group or just to me, whatever is most comfortable - by the end of the week.

Whatever the final decision, I am incredibly proud that we have gotten to this point and that we will be helping camp in some capacity for a long time to come.

Talk soon,
Julie

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Date: Wed, 28 May 2014 00:52:12 -0700
Subject: Re: [Gesher Fund] Re: Gesher Fund Update - Decisions!
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[Andi Grossman]

I also think we should forego the porch and use the dollars toward scholarships, which as I understand it was the purpose/mission of the Gesher Fund.

Thanks!

[Rick Gold]

Whatever the outcome, I think we should make an active effort to have another round of fundraising for our 15 year Gesher anniversary. We could target a level of $30,000 again if we help with the porch, or set a new goal (maybe to raise $10,000 more) if we maintain the current levels. 

Micaela and I are currently sitting shiva for her younger brother, Avi, who passed away last Friday at 23 after a year-long battle with brain cancer. We have requested that donations be made to the Gesher 2000 fund in his memory.  Hopefully, this will have the positive effect of further supporting our mission. 

On May 28, 2014, at 7:53 AM, Julie Berger <jul...@hotmail.com> wrote:

[Naamah Harris]

Hey rick,

I know we haven't spoken in a while but just wanted to say I am so sorry for your and michaelas loss. The unimaginable grief you and your families must be feeling is awful.   

המקום ינחם אתכם בתוך שער אבלי ציון וירושלים. 

Much love

Naamah

Sent from my iPhone

[Lonni Romirowsky Gajer]

Hi Rick,

I'm sure you guys have your minds on a million different things right now, so I hope u relieved my email last week. I'm happy to help in any way I can on UM Hillel's behalf in terms of letting the community know or doing whatever your family wants.

I'm so sorry you all have to go through this painful time. Please know we are thinking of you and care about you so much. 

What is your current mailing address?

Love always,

Lonni

Sent from my iPhone

[Elana Slobodien]

Hey Guys,

 

I had previously sent a note personally to Julie, but given the extent of the “reply-alls”, I feel compelled to share my view with the group, albeit possibly controversial.

 

While the original intention of the fund was and continues to be a scholarship fund so that more young people can enjoy the wonderful enriching summers  at Ramah that we all enjoyed, I also am fully of the view that times change, needs change, and situations change.  I support giving a portion of the amount in excess of $18k to fixing the Gesher porch under the condition that:

1.       This is a non-recurring event; we do not want to be asked every year to give a portion of our fundraising to Joel’s or Camp’s issue de jour.  We understand there were terrible storms this year and there is a specific and pressing need, and we want to maintain the condition of our camp. We happen to the have the money already raised and available.

2.       The primary goal of this fund is to memorialize Andy and Mike. So that their names and stories are remembered forever.  Placing their name on a plaque on a Gesher Porch newly renovated in their memory seems to be to in line with that spirit of memorializing Andy and Mike in an equally tangible way to the scholarship money in their memory.  Additionally, we will continue with our continuous commitment to grow this fund going forward and maintain its usage for its originally defined purpose.

3.       If we do choose to donate money to fix the Gesher Porch we should a) understand the amount of money needed – is it really $12k or could it be less?, b) ensure that this will include a plaque with Andy and Mike on it, c) make sure its clear that this is a 1 time deviation from the original intention of the destination of the funds

 

In addition, we clearly are committed to this fund, fully plan to keep fundraising and will raise the money back and more, and hopefully be able to pay a full scholarship out of the interest we accumulate in the not too distant future.  We are all older now and many making more money than when we started this fund, and hopefully that means we continue to donate to this fund in larger amounts, enabling us to make back the $12k in less time than it took to build up the first $12k.

 

Hope everyone’s doing well.

 

Elana Slobo

Sent from my iPhone

[Lisa Friedman]

Well said Elana! 

Sent from my iPhone

[Julie Berger]

Hi everyone,

Again, thank you to everyone for the input and dialogue.  Here is where we stand right now: 9 have voted to use our funds exclusively for scholarship, and 14 have voted to allocate some of the funds to the Gesher porch renovation.

I reached out to the camp office, to share with them some of the questions and concerns that have come up during this conversation.  The main thing that came across from Joel and Missy (the new development director) is that scholarship will of course always be important and needed, but the most immediate needs at this moment are physical.  Happily, scholarship funding is at an all-time high, and all campers who needed scholarship this summer received it.  However, there are no funds for physical improvements, so Joel and Missy saw this moment as an opportunity for us to address both camp's immediate and future needs. 

As Slobodien suggested, using the money for anything but scholarship would be a one-time occurrence; once the rest is endowed, it can never be used for anything but principal for the scholarship fund.  In addition, after surveying the needs, they feel that the renovation could be done for $10,000, thereby giving us a $20,000 scholarship endowment to start.

Below is a letter Joel and Missy asked me to pass on to the group, written before Shabbat.  After reading, please feel free to share with me or the group if you have additional thoughts or insights.

Julie
___________________________
Dear Gesher 2000:

What a long, strange trip this has been for Gesher 2000. You are an amazing edah who has been able to take the loss of two young friends and turn it into a lasting tribute to their memories. You have raised nearly $30,000 which is no small feat. But up until this point, the funds have not been allocated. Now is the time to decide how that $30,000 will be used as you approach the 15^th anniversary of your Gesher year at Camp Ramah in the Poconos.

 

So, what does Camp Ramah need and how can Gesher 2000 make the most impact on Camp with the money raised in memory of Mike Levin and Andy Schloss? In the 2008 letter that you sent out to begin the fund, you wrote, “In honor of Mike and Andy’s love for Camp Ramah, we hope we can count on your help to instill their love in a new generation of children.”

 

With the goal of instilling the love of a new generation of children in mind, camp needs two things right now:

1.       Scholarships to continue to enable any Jewish child who wants to go to Camp Ramah in the Poconos, Ramah Day Camp or Tikvah Family Camp to attend.

2.       New flooring in the Gesher bunks and on the Gesher porch to complete the capital improvement project that began last year replacing flooring and roofs of each camper bunk.

 

Our suggestion would be to create the Gesher 2000 Endowment Fund using  $20,000 of the money raised. The principal of this endowment would not be touched and would be added to whenever a donation to the Gesher 2000 fund is made. The yearly interest from the fund would be used to provide a scholarship for a camper in need and a letter would go to the Levin and Schloss families connecting them with the camper each year.

 

In addition, the $10,000 raised by the Gesher 2000 Fund would be used to help complete our capital improvement by replacing the flooring in all of the Gesher tzrifim and the mirpeset (it looks exactly the same as it did way back in 2000 when you all hung out there), and possibly furnishing the Gesher porch as well. A plaque would be hung memorializing Andy and Mike for all future Gesher edot. This would be completed by summer 2015 and would be a wonderful opportunity for your edah to come up to Camp for the mirpeset dedication and plaque unveiling.

 

 

Shabbat Shalom,

Joel and Missy

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Subject: RE: [Gesher Fund] Re: Gesher Fund Update - Decisions!
Date: Wed, 28 May 2014 07:53:41 -0400

[Julie Berger]

Hi everyone!

I am writing with some exciting updates on where we stand with the Gesher Fund.  When the question of how to allocate the money was last posed to the group, we entered the summer with a clear majority in favor of using some of the funds to renovate the Gesher porch. 

With this information in mind, Joel, Bruce, and Missy strongly agreed that it best met camp's needs to use $12,000 to fund the Gesher bunk project, and endow the remaining $20,000 as principle for a scholarship fund, the interest of which will serve as scholarship in perpetuity.  As of this writing, the renovation is almost complete!  Pictures of the work are attached.

Missy has been in touch with both the Levin and Schloss families, and they are incredibly touched by all of our efforts.  They have also given their blessing for the Gesher porch to be dedicated in Andy and Mike's names, with a plaque. 

Joel and Missy would love for our edah to come up to camp for an official dedication ceremony.  They are hoping to do this the first Sunday of camp - Sunday, June 28.  (Visiting Day was not feasible because of the craziness of the day.)  Please mark your calendars!  Both the Schloss and Levin families have approved the date and are planning to be in attendance.  This is the Sunday after the first Shabbat of the summer, so there would be no other guests in camp, if folks did want to go up for Shabbat.  Joel and Missy would like to also plan an activity for us to do something with the current Gesher - Gesher 2015.

This will be an incredible way to celebrate our 15th Gesher anniversary!  I know making the trek up to camp on a random Sunday can be challenging, but hopefully many of us will be able to be there to mark this special moment together.

Thanks to all - we should feel incredibly proud that our work since 2007 has paid off so amazingly.

Much love,
Julie

   

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Subject: RE: [Gesher Fund] Re: Gesher Fund Update - Decisions!

Date: Mon, 9 Jun 2014 10:38:43 -0400

[Josh Landsburg]

Thanks Julie for keeping us all informed!  This looks very nice.  I will put it on the calendar and hopefully be able to come up.  All the best to everyone else on this list.  This is truly a great way to make our mark on camp, and hopefully we will continue to make impacts down the road, mainly for scholarship money going forward.

 

Hope to see some or most of you at the annual erev thanksgiving bash!

 

All the Best,

Lands

[Iddo Avital]

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Iddo