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"#$ ?Db$z̏55@:,B$##qBDB$Aqk[ob$zvt] A|::Yb$MG/ w8יqk# (b$~%o 3b$1.iIKt?gb$\J6!(qao1B$~79yu!&B$xh )b}B$a}H yNgm-/B$"'C[o"B$|IwܟS7}\B$z[ev$D!qUB$BI}J;f)eB$XRVe( xj 1B$2pQ>DBu0,n˜B$ ys]/!:B$ÞX{Aj<b:# l1?P999ff@8&BRANCHTO257JHOTSPOTTYPE$DefinedInNavigator<$DEFINEDINNAVIGATORTrue g4kdkd<`  ppp@ <4BdBdg ? %O =/The funding of Catholic Schools  tTrying to use old wineskins just doesn t cut it any more.  ;   A Quick Tour  The current state of funding of Catholic Schools The  old wineskins of school funding Problems with current methods of funding Taking control of tuition Making sense (and cents) out of tuition setting.    Then and Now  1962: 47% of pop. Parishes: 63% of costs Tuition: < 10% of costs 96% men and women religious 4% non-Catholic Average e.s. tuition: <$100   2001: 16% of pop. Parishes: 25% of costs Tuition: 66% of costs 5.6% men and women religious 17% non-Catholic Average e.s. tuition: $1787   !State of funding  Many dioceses have crafted policies restricting the amount of parish contribution to the school. In the short run, tuition increases have resulted in enrollment decreases. Parents are tired of endless fundraising.  Sources of Funds   Parish Subsidy   Parish Subsidy(Investment)  Some other considerations  JDioceses have already paid out over $100 million in lawsuits, with hundreds of suits still pending. Dioceses may declare bankruptcy. The stock market decline has had a severe impact on church endowments and other investments Uneasy about the final destination of their contributions, many Catholics have withheld contributions to annual appeals. Public schools costs have skyrocketed, raising property taxes excessively..XK   Nontuition Income    Sources of nontuition income: Sales (income from candy, magazines has declined by 5%)Raffles have increased Annual appeal Endowment Bonds Other*Pi((H$    z ,Tuition for various schools   Tuition and Costs  -#Why have costs outstripped revenue? $ @Smaller class sizes More  special teachers, programs Updates to technology Upkeep on aging/ ill-built buildings Fewer religious Meeting state/diocesan mandates  0(Some Problems with Control over Finances )   %Perils and Pitfalls in Finance  Lack of system for handling cash No control over tax exempt form No petty cash system No receipt system Commingling monies Reluctance to balance bank statements Lack of attention to budget   Keeping cash unsecured Allowing school groups their own accounts Misplaced trust in employees and volunteers Ignoring cash shortfalls, missing funds  " Maintaining Control over Income: ! Craft policies and controls over who may handle income, how it is handled, how it is accounted for. Have control over bank accounts, checks, purchase orders. Screen volunteers  #Maintain Control  6Screen all persons who handle money; Bond those who handle money; Maintain control over cash; get rid of small accounts of other groups; Use multiple controls over disbursements; Have an annual audit or review; Have procedures for petty cash; Follow up on your suspicions; Promise prosecution and FOLLOW THRU! 7 &Beware the Signs of Temptation  Caring for an aging parent Spouse out of work Children in college Catastrophic illness Addiction to drugs, alcohol, gambling, shopping Increased activity  =%.Let s look at Tuition& .    >&Some thoughts on tuition  Non-payment of tuition constitutes a real loss. The gap between the cost per pupil and the income per pupil must be covered somehow. Fundraising only covers a gap temporarily. There is a  tuition threshold where people finally say,  I can t do it any more. Every empty seat represents a real loss that cannot be made up.  D 'Problems with tuition:  One price fits all Lack of follow through with delinquents Lack of contract, policy Desire to be pastoral Lack of accountability for collections Lack of priority on the part of parents Labor-intensive Maintaining presence of cash, checks, etc.   ?'More problems...  We try to act pastorally when we are running a business; We are surprised when they pretend to pay,and we pretend to believe them; We close our eyes to their real priorities and continue to pretend to believe; We fail to help them to realize our real financial situation.     1Crafting Tuition Policy  5Realize that tuition is collectible, and that parents can be held accountable. Parents should sign a tuition contract Parents should always be given as much information about costs as possible Policy should contain consequences for late and/or unpaid tuition. Policy should be crafted so as to be enforceable. 6 (Gaining Control over Tuition  @It truly is  life s other certainty Know your per/pupil cost Know fixed and unfixed costs Give parents a choice of subsidy Be accountable Communicate Follow-up  *+Some steps toward improving tuition setting , Communicate: parents should know the actual cost of education at your school. Communicate: how is tuition set? Be honest: everyone, whether he/she needs it or not, is getting a handout. ASK parents whether or not they want the handout. ASK parents how much of the actual cost they can pay. Craft specific policies for tuition payment. Have parents sign an enforceable tuition contract.  +.Questions to ask about how tuition is handled: / Who has access? Is there a smooth, safe means of collecting? Do you have a cutoff for not accepting checks? Is there a foolproof system for checking income with bank statements? Are there fees for late payment? Are employees bonded? How do you handle scholarships and tuition aid?  2Tuition Options  yTraditional Labor-intensive Time consuming Hides real cost Problems with cash flow Low priority Leads to annual increases$ n n z 3Options for tuition  tCost-based, or Fair Share Determine actual cost Individual interview Parents choose a tuition level Annual renewal and interview Based on honesty and trust. Small  window of negotiation$  4 Options for Tuition  Outsourcing/tuition management Higher priority Tuition amounts flexible Non labor intensive Security for deposits Set payment schedule Regular cash flow Allows for some local control Projects desire for good business practices.$  @( Some REAL things you can do now: ! 9Let parents choose to accept tuition aid (difference between cost and tuition) Make tuition aid a part of registration Allow Board, Home-School to communicate need for tuition collection and value of Catholic Education. Consider a professional management company to handle tuition collection, late reminders, etc. : 6!Determining Tuition  7" Where does your money come from? ! 8#What is your tuition history?  9$PLEASE REMEMBER:  HYOU WILL NOT BE ABLE TO CONTINUE THE MINISTRY UNLESS YOU CAN PAY FOR IT. I )  Highlights   Annual Reports    10-K Forms      Subsidiaries  @Acme Baking Co. Acme Food Co. Acme Utensils Inc. Acme Sports Co. A@d@  A Stock Performance   Questions  8Questions & Answers On-Line Q&A Forum Submit Questions9H#9 9  Announcements  /Recent Press Releases On-Line Release Forum 0H#0 0 Plp!  ` ff` f̙` MMM` 3fo3f3>?" dd@,|?" dd@   " @ `"  n?" ddL ##FFjjPV    @ ` ` p>> % )(  d  <SOA?  N5gֳgֳ ?  V Click to edit Master title style! ! 0  H$6gֳgֳ ?`  RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S   T6gֳgֳ ?P   [*  ^  6d?0  T6gֳgֳ ?@  Y*    TD7gֳgֳ ?    [*  N  6޽h? ? ff 8Corp Financial Info (Online)   % @ 0(   d  <SOA?    N&gֳgֳ ?    V Click to edit Master title style! !   HD&gֳgֳ ? ` 0  Y#Click to edit Master subtitle style$ $   N&gֳgֳ ?`   Y*    N&gֳgֳ ?    [*    Nd&gֳgֳ ?    [*  ^  6d? P X  0? N  6޽h? ? ff2 &H % 0 L( 42   # lĕ&gֳgֳ ?       # l$&gֳgֳ ?  ` 0<$  ` &   Z&1? P @.. TExit"  *   ZD&1? p @.. Xcontinue"   B  s *޽h ? ff & PPD(  Pl P C $&    P C &`<$  ` H P 0޽h ? ff  &ߠ TL``( Hd@W@ `l ` C d&    ` C ě& `<$  `  ` C $&p `<$  ` H ` 0޽h ? ff & H@pp( @@ pl p C &    p C &`<$  `  p c $A ??` X8 $D H p 0޽h ? ff & h$(  hl h C &   x h <A f??p fH h 0޽h ? ff  '  TH( XH Tl T C d&    T  `A 8?1?@0 8H T 0޽h ? ff  '< XH(  Xl X C Ğ&    X  `A M?1? MH X 0޽h ? ff ' lD( ? ll l C $&    l C +`<$  ` H l 0޽h ? ffB  ' %   \ ( 4 42   # l+gֳgֳ ?     0+?0`  <  0  HT+gֳgֳ?`0 0 ^Elementary schools raise an average of $102,000 from fundraising. 26.2% have an annual appeal, and 48% have endowments. 15% have a development director Secondary schools derive between 1% and 5% of their income from annual appeals. 57% employ a full-time development director. 70% have an endowment of less than $1 million; 4% of more than $5million._`_ _  L  c $?`  # l+gֳgֳ ?`` 0<$  ` (~V  6Acc?` P l$$  6Acc? Xl$6   6Acc? xl$-   6Acc?@p l$?   6Acc? \ l$R   6Acc? x l$H   6Acc?pP $ 8l$\&  Z+1?@.. 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6+    &5 %$    $ ! "# ?Db$z̏55@:,bB$##qBDbB$Aqk[obb$zvt] A|::Ybb$MG/ w8יqk# (bb$~%o 3bb$1.iIKt?gbb$\J6!(qao1bB$~79yu!&bB$xh )b}bB$a}H yNgm-/bB$"'C[o"bB$|IwܟS7}\bB$z[ev$D!qUbB$BI}J;f)ebB$XRVe( xj 1bB$2pQ>DBu0,n˜bB$ ys]/!:bB$ÞX{Aj<b:b# l1?P999ff@8<$DEFINEDINNAVIGATORTrueJHOTSPOTTYPE$DefinedInNavigator&BRANCHTO257 g4kdkd&X `gcppp@ <4BdBdg`gPd? %O =/The funding of Catholic Schools  tTrying to use old wineskins just doesn t cut it any more.  ;   A Quick Tour  The current state of funding of Catholic Schools The  old wineskins of school funding Problems with current methods of funding Taking control of tuition Making sense (and cents) out of tuition setting.    Then and Now  1962: 47% of pop. Parishes: 63% of costs Tuition: < 10% of costs 96% men and women religious 4% non-Catholic Average e.s. tuition: <$100   2001: 16% of pop. Parishes: 25% of costs Tuition: 66% of costs 5.6% men and women religious 17% non-Catholic Average e.s. tuition: $1787   !State of funding  Many dioceses have crafted policies restricting the amount of parish contribution to the school. In the short run, tuition increases have resulted in enrollment decreases. Parents are tired of endless fundraising.  Sources of Funds   Parish Subsidy   Parish Subsidy(Investment)  Some other considerations  JDioceses have already paid out over $100 million in lawsuits, with hundreds of suits still pending. Dioceses may declare bankruptcy. The stock market decline has had a severe impact on church endowments and other investments Uneasy about the final destination of their contributions, many Catholics have withheld contributions to annual appeals. Public schools costs have skyrocketed, raising property taxes excessively..XK   Nontuition Income    Sources of nontuition income: Sales (income from candy, magazines has declined by 5%)Raffles have increased Annual appeal Endowment Bonds Other*Pi((H$    z ,Tuition for various schools   Tuition and Costs  -#Why have costs outstripped revenue? $ @Smaller class sizes More  special teachers, programs Updates to technology Upkeep on aging/ ill-built buildings Fewer religious Meeting state/diocesan mandates  0(Some Problems with Control over Finances )   %Perils and Pitfalls in Finance  Lack of system for handling cash No control over tax exempt form No petty cash system No receipt system Commingling monies Reluctance to balance bank statements Lack of attention to budget   Keeping cash unsecured Allowing school groups their own accounts Misplaced trust in employees and volunteers Ignoring cash shortfalls, missing funds  " Maintaining Control over Income: ! Craft policies and controls over who may handle income, how it is handled, how it is accounted for. Have control over bank accounts, checks, purchase orders. Screen volunteers  #Maintain Control  6Screen all persons who handle money; Bond those who handle money; Maintain control over cash; get rid of small accounts of other groups; Use multiple controls over disbursements; Have an annual audit or review; Have procedures for petty cash; Follow up on your suspicions; Promise prosecution and FOLLOW THRU! 7 &Beware the Signs of Temptation  Caring for an aging parent Spouse out of work Children in college Catastrophic illness Addiction to drugs, alcohol, gambling, shopping Increased activity  =%.Let s look at Tuition& .    >&Some thoughts on tuition  Non-payment of tuition constitutes a real loss. The gap between the cost per pupil and the income per pupil must be covered somehow. Fundraising only covers a gap temporarily. There is a  tuition threshold where people finally say,  I can t do it any more. Every empty seat represents a real loss that cannot be made up.  D 'Problems with tuition:  One price fits all Lack of follow through with delinquents Lack of contract, policy Desire to be pastoral Lack of accountability for collections Lack of priority on the part of parents Labor-intensive Maintaining presence of cash, checks, etc.   ?'More problems...  We try to act pastorally when we are running a business; We are surprised when they pretend to pay,and we pretend to believe them; We close our eyes to their real priorities and continue to pretend to believe; We fail to help them to realize our real financial situation.     1Crafting Tuition Policy  5Realize that tuition is collectible, and that parents can be held accountable. Parents should sign a tuition contract Parents should always be given as much information about costs as possible Policy should contain consequences for late and/or unpaid tuition. Policy should be crafted so as to be enforceable. 6 (Gaining Control over Tuition  @It truly is  life s other certainty Know your per/pupil cost Know fixed and unfixed costs Give parents a choice of subsidy Be accountable Communicate Follow-up  *+Some steps toward improving tuition setting , Communicate: parents should know the actual cost of education at your school. Communicate: how is tuition set? Be honest: everyone, whether he/she needs it or not, is getting a handout. ASK parents whether or not they want the handout. ASK parents how much of the actual cost they can pay. Craft specific policies for tuition payment. Have parents sign an enforceable tuition contract.  +.Questions to ask about how tuition is handled: / Who has access? Is there a smooth, safe means of collecting? Do you have a cutoff for not accepting checks? Is there a foolproof system for checking income with bank statements? Are there fees for late payment? Are employees bonded? How do you handle scholarships and tuition aid?  2Tuition Options  yTraditional Labor-intensive Time consuming Hides real cost Problems with cash flow Low priority Leads to annual increases$ n n z 3Options for tuition  tCost-based, or Fair Share Determine actual cost Individual interview Parents choose a tuition level Annual renewal and interview Based on honesty and trust. Small  window of negotiation$  4 Options for Tuition  Outsourcing/tuition management Higher priority Tuition amounts flexible Non labor intensive Security for deposits Set payment schedule Regular cash flow Allows for some local control Projects desire for good business practices.$  @( Some REAL things you can do now: ! 9Let parents choose to accept tuition aid (difference between cost and tuition) Make tuition aid a part of registration Allow Board, Home-School to communicate need for tuition collection and value of Catholic Education. Consider a professional management company to handle tuition collection, late reminders, etc. : 6!Determining Tuition  7" Where does your money come from? ! 8#What is your tuition history?  9$PLEASE REMEMBER:  HYOU WILL NOT BE ABLE TO CONTINUE THE MINISTRY UNLESS YOU CAN PAY FOR IT. I )  Highlights   Annual Reports    10-K Forms      Subsidiaries  @Acme Baking Co. Acme Food Co. Acme Utensils Inc. Acme Sports Co. A@d@  A Stock Performance   Questions  8Questions & Answers On-Line Q&A Forum Submit Questions9H#9 9  Announcements  /Recent Press Releases On-Line Release Forum 0H#0 0 Pr$@1_(    ^ $ - 6 ? H R \d Chart MSGraph.Chart.800Microsoft Graph 97 ChartdDocument Word.DocumentWord.Document.80.Microsoft Word Documentd8Worksheet Excel.Sheet.802Microsoft Excel WorksheetdMWorksheet Excel.Sheet.802Microsoft Excel WorksheetdYWorksheet Excel.Sheet.802Microsoft Excel WorksheetdfWorksheet Excel.Sheet.802Microsoft Excel Worksheet\d $MS_ClipArt_Gallery\d$ $MS_ClipArt_Gallery\dt^  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]_`abcdefghijklmnopqrstuvwxyz{|}~j      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIKLMNOPQRSTUVWXYZ[\]^_`abcdefghiBslmnopqrzuvwxy{|}~. $MS_ClipArt_Gallery\d/ $MS_ClipArt_Gallery\d5 $MS_ClipArt_Gallery\d: $MS_ClipArt_Gallery\d; $MS_ClipArt_Gallery\d< $MS_ClipArt_Gallery</ 0DTimesica++0(=\? @(? \oDHelvetica++0(=\? @(? \o  @n?" dd@  @@``_Cash RegisterWAVE 10109RIFFwWAVEfmt ++dataS~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~|~~~~~~~|||~~~~~~~~~|~||~y~~~~|~w|~~|||~~~~~~~~~|~~~~||~|~|~|~~~~|~~~~~~~~~||~~~~~|~~|~~~~~~~~~~~~~~~~~~~~~~|||~~~~||~|~y|~~|~||~y~~~|~~~~~|yy|||~|~~~~|yy|~|~|~~~~y~yy~~||~~|~|||~~~~˪jصqa7|sK5c]c@τKXyMj_ߘaOV3qVTwZ>qnnshքycRynVh_OT~uVlTV7XsqyjKRIy~whTM>_wZcjnG.3ROXwunVunwG3j]wywXZ~jyq]wq_cahsVZh|hy>|q~qfVh|nRf|wfqj]ny~~ssqwuaqh|||lq|cn~f|]|s_yw~fcu|]Zyww|uh|yu_|l|wujlqcqjfyslyqnsy|~wash|yy]V_uynal|~uqjsu|h_lqjluqysucfhy~hacj~y~nlq~yl_fh~sqs|wqalwwu~f~lf~|~qwuhyy|ljy|yhuuwnfncj|q]sywllwhny|~qn|nln|ysssuhynsqw~syly|nqsy~qs~~suqw~qsq||yssu~uwu~jlu|lus~nqu~|qsunqu||sjqywnjnuwqfu|ynhnwwlhw|uwnuuqw|ywlw~~qnq||ljnuw~nljuqqyuhly~lnjysjns~qnjunlswylnyqqnsuhnu~sjjsuhss|uhluwquy|nqyuqnwulsy~ullwslnuysnysqnuullwqnlusjjssljsulnswlluulqq|lqyuqqqwjqs~wqnywnssyjjw~qnnuyjqy|snlwunsy~wqn~ssqwylnysslusnqwysnysqss|wnqyuuswwlsy~wqsywnqw~ulsw~snqw|unu|~uss||unq~~squw|wqqyysnq|uqu~yuss|qqw~|uquynuu|qqwsqus|yqq|~usqwwnuy~yuq~uqww|ynn~~uwsyynw|wwsuwy|ywus|uuu~|uqw~ysuu|ssy~yuuw~yuy||ww||ww~yuw|~yuwuuw|~uqw~ywwu~uuy|wywy|w||~|w~ywyw|~wy~w|wyuy||~||u~wu||y~uu~w||||~~wyu|w~ywy|y~yu||~~|y|~~yyy|~~|yy~|||~|~|~~|~yy|~~ywyy|y|y|||~y~y~|~w~~~yw~|~|y|y~~w|ww||~w~w|y~~|~|u||~u~~u~~~~y~~~wwuy|~w~|y||~~|syw||~~~~~wy~w|u|~~y~||uw~~~yyy~~~~yy~uu|wuw|yw~~y~|w~wynn|w~~ls|qju~~y|wquus|uuusf~~~jnqn|uw~~u~~unhZujuwyyunsny|usu|yuwwy~snhj|u~~y||u|qww|~uw~|wq||~ywu~wywu|~w~u||wu~~~|~|wy|||w|~s~||yys~|y~||~|wqw~ws|y~~~yy~~y~sy~w~wy~y|s|~|||uy~u~y~||~~y~y||uw~y||yy|y~sq~~uw|||y|~~wy~~~|uww~wyyy|~||~ww||||y|w||~uy|~||~y~y~yyyw|~||~|~|~||~|~~y~~y~u|u|||u|yu~|sw~~~y~|y~~s||~~w|s|||||||y|wyw~~~||y|~|y|~|wyy|||~w~w|s|y~~~|sy|yy|~~wyqwwu~~wyquss~ysuy~||||||~|~y|||w||~wysjalMlusfahjfhfaT||clqsansyBZOj]ucTulu]f|nw1sqTZ~_ywjyqhnMhjZqVc]|Rnynh|Xwhslfauqn~nyy~lhuwuuysyl~sqwwwnsc]y|snncc~jwlq|~~w|qluycns|q|lynjycyww|~|j|n~w~wqwwu~lqwyyyu|~yu|uyuywqcnnwjyy~ws~uyu~fyyyy~|~|quh~sq|~ww~~yyjuwuf]lhsqyyssj~_||w|||qyu~yhqyn~qw~~u|lwjyuwj~|uwy|y|ls|y~syqw|qu~yyy|~nl~huuu||yw|slwlywywsy|u|||yy|~uy~|wsuyysuwnlnuwyy|y~~|~~|~yyyyw||yyw||wyuuy~ww~|yyy~ws|yw~ww|uss|~|~y||u~|sqww~u|~u~|~|w||wy|y|s~y~ly|wq~sww~wafs~nw||shwh|~w|cquyu~n|w|nnwjuy~y|qww~~~yq|ysnqy|qqsyyyss||~n~unsn~~q~~|sns~u~nwys~l|y~y|~|wnyw|uu~~||~~s~|~|~y~sqlw|~y~~|yu||wys~yywu~|~w~|yw~y|~|~y~|sy~~u|||wwy|~~y~~y~~~y~~|~~w~~wwu||wy~y~wy||~|~~|~yy~y~~~~w||~||w~|~yy~y|y~y~~~~~y~|~|~~yy|w|y||~~w|yww~|~|~|wy|~~~yw~y~~|y~y|y~~u~|~y~~~~|~~~~y~|~|||~~|~~wy|~||w|~y~y~|w~~|~|~~|~|~|~~~|w~~y|~~|||~~yy~|~~y~|~~~~yw~|||y~~y|~~|||~~~~~y|~~~|y~~||y~w|~y~y~||~yy~~y|~|||~~y~|~|~|y|||~||~~||~~~|wy~y~~~|||~~~y~~|~|~|~~~~||~||y~|||||~|~|~~~||y||||y~||~~||~~||~~|~y||||y~|||~||~|~y~~~~~|||~|||~~|||w~~~~||~~|~||||||~~~|~||~~|y~y~~~~~~~~|||~~~~|~|~~y~|~|||~y|~~~~~~~~~||~~~~y~~|~~~|~|~~~~|~|~~~|~~~~~y~~|~~~~y~y~|~|||~~~|~~~||~~~|~~|~|~||~|~|~|~~|~~~~y~~~|~|~|~|~~~~~|~|~|~|~|~~~~~|~~~|~|~|~|~|~~~~~~|~~~~|~~~|||~|~|~|~~|~~~y~~||~y~|||y||~|~~~~~~~~|~|||~~||~~|~~~|~~~~~||~~~|~y|y~|~||~~||~~|~~~~~~~||~~|xy|~~||y~~~~~~~~z|~~|~~zz~||||||~||||~~|||~~|||~|~|~~~z~|~~~~~~}z~~~~}~z~~~~}~~~~~~}~~~}~~~~~~}~~~~~~}~}}~}}{}~~~}~~~~}~~}}}~~~}~~~~~}~~}}}}}}~~}{~~~}}~~}~}~~~~}~}~~~~}~}~~~~~~~}}~~~~}~~~~~~~|~~~~}}~~~}~~~~~ 7+    &5 %$     ! "# ,?Db$z̏55@:,bB$##qBDbB$Aqk[obb$zvt] A|::Ybb$MG/ w8יqk# (bb$~%o 3bb$1.iIKt?gbb$\J6!(qao1bB$~79yu!&bB$xh )b}bB$a}H yNgm-/bB$"'C[o"bB$|IwܟS7}\bB$z[ev$D!qUbB$BI}J;f)ebB$XRVe( xj 1bB$2pQ>DBu0,n˜bB$ ys]/!:bB$ÞX{Aj<b:b# l1?P999ff@8&BRANCHTO257JHOTSPOTTYPE$DefinedInNavigator<$DEFINEDINNAVIGATORTrue g4kdkd<X `gcppp@ <4BdBdg`gPd? %O =/The funding of Catholic Schools  tTrying to use old wineskins just doesn t cut it any more.  ;   A Quick Tour  The current state of funding of Catholic Schools The  old wineskins of school funding Problems with current methods of funding Taking control of tuition Making sense (and cents) out of tuition setting.  A) Then and Now:  1962: 47% Catholic students Parishes: 63% costs Tuition: < 10% costs 96% professed religious 4% non-Catholic Av. ES tuition: <$100 m    x2001: 16% Catholic students Parishes: 25% costs Tuition: 66% costs 5.6% religious 17% non-Catholic Av. ES tuition: $1787 c   !State of funding  Many dioceses have crafted policies restricting the amount of parish contribution to the school. In the short run, tuition increases have resulted in enrollment decreases. Parents are tired of endless fundraising.  Sources of Funds   Parish Subsidy   Parish Subsidy(Investment)  Some other considerations  JDioceses have already paid out over $100 million in lawsuits, with hundreds of suits still pending. Dioceses may declare bankruptcy. The stock market decline has had a severe impact on church endowments and other investments Uneasy about the final destination of their contributions, many Catholics have withheld contributions to annual appeals. Public schools costs have skyrocketed, raising property taxes excessively..XK   Nontuition Income    Sources of nontuition income: Sales (income from candy, magazines has declined by 5%)Raffles have increased Annual appeal Endowment Bonds Other*Pi((H$    z ,Tuition for various schools   Tuition and Costs  -#Why have costs outstripped revenue? $ @Smaller class sizes More  special teachers, programs Updates to technology Upkeep on aging/ ill-built buildings Fewer religious Meeting state/diocesan mandates  0(Some Problems with Control over Finances )   %Perils and Pitfalls in Finance  Lack of system for handling cash No control over tax exempt form No petty cash system No receipt system Commingling monies Reluctance to balance bank statements Lack of attention to budget   Keeping cash unsecured Allowing school groups their own accounts Misplaced trust in employees and volunteers Ignoring cash shortfalls, missing funds  " Maintaining Control over Income: ! Craft policies and controls over who may handle income, how it is handled, how it is accounted for. Have control over bank accounts, checks, purchase orders. Screen volunteers  #Maintain Control  6Screen all persons who handle money; Bond those who handle money; Maintain control over cash; get rid of small accounts of other groups; Use multiple controls over disbursements; Have an annual audit or review; Have procedures for petty cash; Follow up on your suspicions; Promise prosecution and FOLLOW THRU! 7 &Beware the Signs of Temptation  Caring for an aging parent Spouse out of work Children in college Catastrophic illness Addiction to drugs, alcohol, gambling, shopping Increased activity  =%.Let s look at Tuition& .    >&Some thoughts on tuition  Non-payment of tuition constitutes a real loss. The gap between the cost per pupil and the income per pupil must be covered somehow. Fundraising only covers a gap temporarily. There is a  tuition threshold where people finally say,  I can t do it any more. Every empty seat represents a real loss that cannot be made up.  D 'Problems with tuition:  One price fits all Lack of follow through with delinquents Lack of contract, policy Desire to be pastoral Lack of accountability for collections Lack of priority on the part of parents Labor-intensive Maintaining presence of cash, checks, etc.   ?'More problems...  We try to act pastorally when we are running a business; We are surprised when they pretend to pay,and we pretend to believe them; We close our eyes to their real priorities and continue to pretend to believe; We fail to help them to realize our real financial situation.     1Crafting Tuition Policy  5Realize that tuition is collectible, and that parents can be held accountable. Parents should sign a tuition contract Parents should always be given as much information about costs as possible Policy should contain consequences for late and/or unpaid tuition. Policy should be crafted so as to be enforceable. 6 (Gaining Control over Tuition  @It truly is  life s other certainty Know your per/pupil cost Know fixed and unfixed costs Give parents a choice of subsidy Be accountable Communicate Follow-up  *+Some steps toward improving tuition setting , Communicate: parents should know the actual cost of education at your school. Communicate: how is tuition set? Be honest: everyone, whether he/she needs it or not, is getting a handout. ASK parents whether or not they want the handout. ASK parents how much of the actual cost they can pay. Craft specific policies for tuition payment. Have parents sign an enforceable tuition contract.  +.Questions to ask about how tuition is handled: / Who has access? Is there a smooth, safe means of collecting? Do you have a cutoff for not accepting checks? Is there a foolproof system for checking income with bank statements? Are there fees for late payment? Are employees bonded? How do you handle scholarships and tuition aid?  2Tuition Options  yTraditional Labor-intensive Time consuming Hides real cost Problems with cash flow Low priority Leads to annual increases$ n n z 3Options for tuition  tCost-based, or Fair Share Determine actual cost Individual interview Parents choose a tuition level Annual renewal and interview Based on honesty and trust. Small  window of negotiation$  4 Options for Tuition  Outsourcing/tuition management Higher priority Tuition amounts flexible Non labor intensive Security for deposits Set payment schedule Regular cash flow Allows for some local control Projects desire for good business practices.$  @( Some REAL things you can do now: ! 9Let parents choose to accept tuition aid (difference between cost and tuition) Make tuition aid a part of registration Allow Board, Home-School to communicate need for tuition collection and value of Catholic Education. Consider a professional management company to handle tuition collection, late reminders, etc. : 6!Determining Tuition  7" Where does your money come from? ! 8#What is your tuition history?  9$PLEASE REMEMBER:  HYOU WILL NOT BE ABLE TO CONTINUE THE MINISTRY UNLESS YOU CAN PAY FOR IT. I )  Highlights   Annual Reports    10-K Forms      Subsidiaries  @Acme Baking Co. Acme Food Co. Acme Utensils Inc. Acme Sports Co. A@d@  A Stock Performance   Questions  8Questions & Answers On-Line Q&A Forum Submit Questions9H#9 9  Announcements  /Recent Press Releases On-Line Release Forum 0H#0 0 P  TL(  l  C 4$8  [   C $8 `<$  X   C T%8p `<$  X H  0޽h ? ffrAGacA1_(    s $ - 6 ? 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A) Then and Now:  1962: 47% Catholic students Parishes: 63% costs Tuition: < 10% costs 96% professed religious 4% non-Catholic Av. ES tuition: <$100 m    x2001: 16% Catholic students Parishes: 25% costs Tuition: 66% costs 5.6% religious 17% non-Catholic Av. ES tuition: $1787 c   !State of funding  Many dioceses have crafted policies restricting the amount of parish contribution to the school. In the short run, tuition increases have resulted in enrollment decreases. Parents are tired of endless fundraising.  Sources of Funds   Parish Subsidy   Parish Subsidy(Investment)  Some other considerations  JDioceses have already paid out over $100 million in lawsuits, with hundreds of suits still pending. Dioceses may declare bankruptcy. The stock market decline has had a severe impact on church endowments and other investments Uneasy about the final destination of their contributions, many Catholics have withheld contributions to annual appeals. Public schools costs have skyrocketed, raising property taxes excessively..XK   Nontuition Income    Sources of nontuition income: Sales (income from candy, magazines has declined by 5%)Raffles have increased Annual appeal Endowment Bonds Other*Pi((H$    z ,Tuition for various schools   Tuition and Costs  -#Why have costs outstripped revenue? $ @Smaller class sizes More  special teachers, programs Updates to technology Upkeep on aging/ ill-built buildings Fewer religious Meeting state/diocesan mandates  0(Some Problems with Control over Finances )   %Perils and Pitfalls in Finance  Lack of system for handling cash No control over tax exempt form No petty cash system No receipt system Commingling monies Reluctance to balance bank statements Lack of attention to budget   Keeping cash unsecured Allowing school groups their own accounts Misplaced trust in employees and volunteers Ignoring cash shortfalls, missing funds  " Maintaining Control over Income: ! Craft policies and controls over who may handle income, how it is handled, how it is accounted for. Have control over bank accounts, checks, purchase orders. Screen volunteers  #+_V;Sister Carol CiminoMaintain Control  6Screen all persons who handle money; Bond those who handle money; Maintain control over cash; get rid of small accounts of other groups; Use multiple controls over disbursements; Have an annual audit or review; Have procedures for petty cash; Follow up on your suspicions; Promise prosecution and FOLLOW THRU! 7 &Beware the Signs of Temptation  Caring for an aging parent Spouse out of work Children in college Catastrophic illness Addiction to drugs, alcohol, gambling, shopping Increased activity  =%.Let s look at Tuition& .    >&Some thoughts on tuition  Non-payment of tuition constitutes a real loss. The gap between the cost per pupil and the income per pupil must be covered somehow. Fundraising only covers a gap temporarily. There is a  tuition threshold where people finally say,  I can t do it any more. Every empty seat represents a real loss that cannot be made up.  D 'Problems with tuition:  One price fits all Lack of follow through with delinquents Lack of contract, policy Desire to be pastoral Lack of accountability for collections Lack of priority on the part of parents Labor-intensive Maintaining presence of cash, checks, etc.   ?'More problems...  We try to act pastorally when we are running a business; We are surprised when they pretend to pay,and we pretend to believe them; We close our eyes to their real priorities and continue to pretend to believe; We fail to help them to realize our real financial situation.     1Crafting Tuition Policy  5Realize that tuition is collectible, and that parents can be held accountable. Parents should sign a tuition contract Parents should always be given as much information about costs as possible Policy should contain consequences for late and/or unpaid tuition. Policy should be crafted so as to be enforceable. 6 (Gaining Control over Tuition  @It truly is  life s other certainty Know your per/pupil cost Know fixed and unfixed costs Give parents a choice of subsidy Be accountable Communicate Follow-up  *+Some steps toward improving tuition setting , Communicate: parents should know the actual cost of education at your school. Communicate: how is tuition set? Be honest: everyone, whether he/she needs it or not, is getting a handout. ASK parents whether or not they want the handout. ASK parents how much of the actual cost they can pay. Craft specific policies for tuition payment. Have parents sign an enforceable tuition contract.  +.Questions to ask about how tuition is handled: / Who has access? Is there a smooth, safe means of collecting? Do you have a cutoff for not accepting checks? Is there a foolproof system for checking income with bank statements? Are there fees for late payment? Are employees bonded? How do you handle scholarships and tuition aid?  2Tuition Options  yTraditional Labor-intensive Time consuming Hides real cost Problems with cash flow Low priority Leads to annual increases$ n n z 3Options for tuition  tCost-based, or Fair Share Determine actual cost Individual interview Parents choose a tuition level Annual renewal and interview Based on honesty and trust. Small  window of negotiation$  4 Options for Tuition  Outsourcing/tuition management Higher priority Tuition amounts flexible Non labor intensive Security for deposits Set payment schedule Regular cash flow Allows for some local control Projects desire for good business practices.$  @( Some REAL things you can do now: ! 9Let parents choose to accept tuition aid (difference between cost and tuition) Make tuition aid a part of registration Allow Board, Home-School to communicate need for tuition collection and value of Catholic Education. Consider a professional management company to handle tuition collection, late reminders, etc. : 6!Determining Tuition  7" Where does your money come from? ! 8#What is your tuition history?  9$PLEASE REMEMBER:  HYOU WILL NOT BE ABLE TO CONTINUE THE MINISTRY UNLESS YOU CAN PAY FOR IT. I )  Highlights   Annual Reports    10-K Forms      Subsidiaries  @Acme Baking Co. Acme Food Co. Acme Utensils Inc. Acme Sports Co. 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A) Then and Now:  1962: 47% Catholic students Parishes: 63% costs Tuition: < 10% costs 96% professed religious 4% non-Catholic Av. ES tuition: <$100 m    x2001: 16% Catholic students Parishes: 25% costs Tuition: 66% costs 5.6% religious 17% non-Catholic Av. ES tuition: $1787 c   !State of funding  Many dioceses have crafted policies restricting the amount of parish contribution to the school. In the short run, tuition increases have resulted in enrollment decreases. Parents are tired of endless fundraising.  Sources of Funds   Parish Subsidy   Parish Subsidy(Investment)  Some other considerations  JDioceses have already paid out over $100 million in lawsuits, with hundreds of suits still pending. Dioceses may declare bankruptcy. The stock market decline has had a severe impact on church endowments and other investments Uneasy about the final destination of their contributions, many Catholics have withheld contributions to annual appeals. Public schools costs have skyrocketed, raising property taxes excessively..XK   Nontuition Income    Sources of nontuition income: Sales (income from candy, magazines has declined by 5%)Raffles have increased Annual appeal Endowment Bonds Other*Pi((H$    z ,Tuition for various schools   Tuition and Costs  -#Why have costs outstripped revenue? $ @Smaller class sizes More  special teachers, programs Updates to technology Upkeep on aging/ ill-built buildings Fewer religious Meeting state/diocesan mandates  0(Some Problems with Control over Finances )   %Perils and Pitfalls in Finance  Lack of system for handling cash No control over tax exempt form No petty cash system No receipt system Commingling monies Reluctance to balance bank statements Lack of attention to budget   Keeping cash unsecured Allowing school groups their own accounts Misplaced trust in employees and volunteers Ignoring cash shortfalls, missing funds  " Maintaining Control over Income: ! Craft policies and controls over who may handle income, how it is handled, how it is accounted for. Have control over bank accounts, checks, purchase orders. Screen volunteers  #Maintain Control  6Screen all persons who handle money; Bond those who handle money; Maintain control over cash; get rid of small accounts of other groups; Use multiple controls over disbursements; Have an annual audit or review; Have procedures for petty cash; Follow up on your suspicions; Promise prosecution and FOLLOW THRU! 7 &Beware the Signs of Temptation  Caring for an aging parent Spouse out of work Children in college Catastrophic illness Addiction to drugs, alcohol, gambling, shopping Increased activity  =%.Let s look at Tuition& .    >&Some thoughts on tuition  Non-payment of tuition constitutes a real loss. The gap between the cost per pupil and the income per pupil must be covered somehow. Fundraising only covers a gap temporarily. There is a  tuition threshold where people finally say,  I can t do it any more. Every empty seat represents a real loss that cannot be made up.  D 'Problems with tuition:  One price fits all Lack of follow through with delinquents Lack of contract, policy Desire to be pastoral Lack of accountability for collections Lack of priority on the part of parents Labor-intensive Maintaining presence of cash, checks, etc.   ?'More problems...  We try to act pastorally when we are running a business; We are surprised when they pretend to pay,and we pretend to believe them; We close our eyes to their real priorities and continue to pretend to believe; We fail to help them to realize our real financial situation.     1Crafting Tuition Policy  5Realize that tuition is collectible, and that parents can be held accountable. Parents should sign a tuition contract Parents should always be given as much information about costs as possible Policy should contain consequences for late and/or unpaid tuition. Policy should be crafted so as to be enforceable. 6 (Gaining Control over Tuition  @It truly is  life s other certainty Know your per/pupil cost Know fixed and unfixed costs Give parents a choice of subsidy Be accountable Communicate Follow-up  *+Some steps toward improving tuition setting , Communicate: parents should know the actual cost of education at your school. Communicate: how is tuition set? Be honest: everyone, whether he/she needs it or not, is getting a handout. ASK parents whether or not they want the handout. ASK parents how much of the actual cost they can pay. Craft specific policies for tuition payment. Have parents sign an enforceable tuition contract.  +.Questions to ask about how tuition is handled: / Who has access? Is there a smooth, safe means of collecting? Do you have a cutoff for not accepting checks? Is there a foolproof system for checking income with bank statements? Are there fees for late payment? Are employees bonded? How do you handle scholarships and tuition aid?  2Tuition Options  yTraditional Labor-intensive Time consuming Hides real cost Problems with cash flow Low priority Leads to annual increases$ n n z 3Options for tuition  tCost-based, or Fair Share Determine actual cost Individual interview Parents choose a tuition level Annual renewal and interview Based on honesty and trust. Small  window of negotiation$  4 Options for Tuition  Outsourcing/tuition management Higher priority Tuition amounts flexible Non labor intensive Security for deposits Set payment schedule Regular cash flow Allows for some local control Projects desire for good business practices.$  @( Some REAL things you can do now: ! 9Let parents choose to accept tuition aid (difference between cost and tuition) Make tuition aid a part of registration Allow Board, Home-School to communicate need for tuition collection and value of Catholic Education. Consider a professional management company to handle tuition collection, late reminders, etc. : 6!Determining Tuition  7" Where does your money come from? ! 8#What is your tuition history?  9$PLEASE REMEMBER:  HYOU WILL NOT BE ABLE TO CONTINUE THE MINISTRY UNLESS YOU CAN PAY FOR IT. I )  Highlights   Annual Reports    10-K Forms      Subsidiaries  @Acme Baking Co. Acme Food Co. Acme Utensils Inc. Acme Sports Co. A@d@  A Stock Performance   Questions  8Questions & Answers On-Line Q&A Forum Submit Questions9H#9 9  Announcements  /Recent Press Releases On-Line Release Forum 0H#0 0 P@2 4d % 0 L( 42   # lڛgֳgֳ ?    ;   # lڛgֳgֳ ?  ` 0<$  50 &   ZDۛ1? P @CMhCMh TExit"  *   Zܛ1? p @CMhCMh Xcontinue"   B  s *޽h ? f̙B   %   \ ( 4 42   # lgֳgֳ ?  ;   0?0`  <  0  Htgֳgֳ?`0 0 ^Elementary schools raise an average of $102,000 from fundraising. 26.2% have an annual appeal, and 48% have endowments. 15% have a development director Secondary schools derive between 1% and 5% of their income from annual appeals. 57% employ a full-time development director. 70% have an endowment of less than $1 million; 4% of more than $5million._`_ _  L  c $?`  # lgֳgֳ ?`` 0<$  50 (~V  6Acc?` P l$$  6Acc? Xl$6   6Acc? xl$-   6Acc?@p l$?   6Acc? \ l$R   6Acc? x l$H   6Acc?pP $ 8l$\&  Z41?@CMhCMh TExit"  B  s *޽h ? f̙  UM(  l  C D  ; P  Z1?p  lParish/ Diocesan Support Fundraising Endowment/Invest-ments Gifts/Bequests Grants Rental of facilities Othermm 6  2    f1?M KTUITION   H  0޽h ? f̙  0D(  l  C $    ;   C   ` 0<$  50 H  0޽h ? f̙r$ "(7Y599$x*;A@ˇˇˇ RdO),NH@PicturesTPowerPoint Document(z;SummaryInformation(JlA      !"#$%&'()*+,-./0123456789:;<=>?@AFDocumentSummaryInformation8kCurrent User3+_V;Sister Carol Cimino