In Haywood County, the tax rate would have to bump up three cents for the county to bring in the same amount of money as last year.

Overall, the property values in the county were down following the recent revaluation, the first countywide appraisal in five years. To offset the slightly smaller tax base, the county would have to raise the tax rate from 51 to 54 cents.

County Manager Marty Stamey presented the budget to county commissioners at their meeting Monday, where he painted a picture of fiscal austerity.

“We’ve got less people working than in ‘05 and we’re doing the same amount of work, in some cases we’re doing more work,” said Stamey. “This is the new norm, doing more with less.”

Here’s what the new tax rate would mean based on how your property performed in the revaluation:

• For residents whose property values dropped by at least 5 percent, tax bills will be less.

• Those whose values were perfectly stagnant will see around a 5 percent increase. So for a home valued at $100,000 — both in 2006 and this year — the bill will go up by $27.

• Properties that increased in value will also see a hike in their tax bill by about the same percentage.

Throughout the budget process, commissioners have said they’re committed to a neutral tax rate.

“I think that’s fair because the county’s taking in the same amount of money if they’d not done a reval,” said Commissioner Kevin Ensley. “I don’t know any other way to do it, except keep [the rate] the same, and then we’d have to make a lot more cuts than we have now.”

“We’ve made cuts the last three years and it’s bare bone,” said Commissioner Bill Upton.

While the property tax side of the budget will remain constant, wilting sales revenues mean the county will still have to make some cuts. Most notably, education — both Haywood County Schools and Haywood Community College — will be slashed 3-percent.

Sales tax is the county’s other main money spinner — it accounts for 15 percent of revenue — and it’s down 3 percent over last year. Thus the cuts to schools, which claim a large share of the county’s budget — about 25 percent of the county’s entire budget goes to education.

While a 3-percent cut may sound small, it is indeed a hit, given that the school system asked the county for an increase on what they were given last year. Instead, they’re now losing $430,000.

Stamey said he realized the schools’ need and asked them to dip into their fund balance to cover their losses from state and local defunding.

“These are difficult decisions, ones that we don’t like to make, but we have to do it to keep a revenue neutral budget,” said Stamey.

For the schools to get that money back, commissioners would need to tack another two thirds of a penny onto the property tax rate.

Commissioners will hold a public hearing on the proposed budget at 5:30 p.m. on Tuesday, May 31, with a vote scheduled for their regular meeting at 5:30 p.m. on Monday, June 6.

Haywood County’s tax rate versus tax base

Tax base before revaluation: $7.258 billion

Tax base after revaluation: $7.086 billion

2010 tax rate: 51.4 cents

2011 tax rate: 54.13 cents

What is revenue neutral?

A revenue-neutral tax rate means the county will bring in the same amount of revenue despite changing property values. Usually, property values increase so the tax rate can come down. But property values on average went down slightly in the recent countywide revaluation. The tax rate will go up to compensate for the smaller tax base.

The official revenue-neutral tax rate allows for a minor increase from newly built homes and buildings that are added to the tax base year to year.

The Jackson County Board of Education is pleased to announce the appointment of Dr. Michael L. Murray as the new Superintendent of Jackson County Schools.  The Board voted unanimously to offer the position to Dr. Murray who will begin work on July 1, 2011.  Dr. Murray will be succeeding retiring Superintendent Sue Nations.

The Board is confident that Dr. Murray will work well with the existing staff and administrative structure in Jackson County Schools.  “Dr. Murray’s leadership will be a valuable asset to our already exceptional staff,” says Ali Laird-Large, Vice Chair of the Board.  “I have confidence that he will continue our strong tradition of quality education in Jackson County.”

Dr. Murray is currently the Associate Superintendent of Operations for McDowell County Schools, where he has also served as Assistant Superintendent of Curriculum and Instruction.  Prior to joining McDowell County Schools, Dr. Murray was a high school teacher for four years and a school administrator for sixteen years in Buncombe County.

As the Associate Superintendent of Operations for McDowell County Schools, Dr. Murray provides oversight for the day-to-day operations of the school district.  The Board of Education was excited to see his experience in the development of programs to reduce the dropout rate, since this has also been a major initiative in Jackson County.  Dr. Murray’s involvement with the implementation of a district wide reading program also compliments the work already in place in Jackson County Schools which focuses on a balanced literacy program.  Dr. Murray, as Associate Superintendent of McDowell County Schools, has demonstrated a strong commitment to establishing community relationships and looks forward to continuing the Jackson County School partnerships, particularly with Southwestern Community College and Western Carolina University.  His unique experiences and proven leadership skills will be valuable in his new position as Superintendent of Jackson County Schools.

The Board voted to grant Dr. Murray a four-year contract which includes $115,560 from state funds (includes advanced degree with doctorate) and $4,440 from local funds for a total of $120,000.   

The son of a Madison County minister, Dr. Murray is originally from Western North Carolina and graduated from North Buncombe High School.  He completed an undergraduate degree from Mars Hill College and then obtained a Master of Arts in Education degree in 1988, the Education Specialist degree in 2005, and completed his Doctorate in Education in 2008, all from Western Carolina University.  Dr. Murray’s wife, Carmen, is a school administrator and together they have seven children ranging in age from eleven to twenty-five.

The Board of Education performed an extensive search to find a superintendent with a strong educational background, an understanding of the operational aspect of a school system, and a proven record of leadership to continue to guide Jackson County Schools in their pursuit of academic excellence and commitment to students.  “The Board agreed unanimously,” said Board Chair, Ken Henke, “that Dr. Murray is the right person for the job.”

The state’s bloodletting has begun, and for Haywood County Schools, the losses might add up to more than $4 million siphoned off next year’s budget.

School officials have been steadily crunching numbers since the state House of Representatives offered a look into its proposed budget this month, and their calculations paint a fairly grim picture for some of the system’s programs.

Line-item cuts from the state that target specific budget items range from a 5 percent reduction in transportation funding to 100 percent pulled from things like dropout prevention, school technology and staff development.

Those cuts, trimming from 17 categories, total $2.4 million and mean a loss of 46 positions, many of them teacher assistants.

Then there’s the $1.6 million more in “discretionary reversion,” which means that the school system can work out on its own where that money has to be saved, but it’s got to somehow.

Altogether, the proposed House budget would cut 13 percent from the school system’s budget.

Meanwhile, courtesy of another state mandate that governs how much the school system pays into its employees’ retirement and health benefits, they’ll have to spend an extra $138,403 to cover those expenses. And since the percentages they pay into those funds are set by the state every year, they’re stuck with those increased costs.

There are other increases, too, that the school system has identified as needs, but they’re realistic about the likelihood of getting them. From a guidance counselor for Haywood Early College to two school nurse positions to rotate among the schools, Assistant Superintendent Bill Nolte is careful to say that they’re not just wants, but things the system might need to fund from somewhere.

“We may have to, or lose programs or even lose accreditation,” said Nolte.

In addition to the jump in operating expenses, school officials have found around $1.6 million in capital improvements that will need attention sometime soon. Some of those, like window tinting and new blinds, aren’t particularly urgent.

Some, like exit doors stuck shut by warped sidewalks, can’t wait.  

All this at a time when the county, too, is looking at its budget, trying to trim fat in anticipation of its own cuts from the state.

It would seem, then, that the schools are in a predicament. And that is the pitch education officials gave to county commissioners this week when they met to float their potential budget and test the waters on what kind of support they’d be getting from commissioners this year.

Though they didn’t pin down an exact percent increase on what they got last year, they’re looking to commissioners to at least stick to the funding formula they’ve been using for the last few years, and any extra on those capital projects and operating increases they could scrape up wouldn’t hurt, either.

They’re not looking for any help, though, in making up the difference cut by the state because, said Nolte, they’re well aware that more cash from the county just isn’t there.

“I don’t think we can, in good conscience, expect the commissioners to come up with revenue that they don’t have,” said Nolte. “It’s impractical, in my professional opinion, to say to our county commissioners, ‘Hey, the state cut all of this; fund it.’ There is a worldwide economic crisis, and to our knowledge, our commissioners do not have new revenues that would make up for any state cuts to any agencies.”

But with finances tight on every front, what they’re asking might still be too much.

“If we fund you at your requested level, that would be a 1.5 cent increase on the tax rate. That’s what you’re asking us to do,” said Commissioner Kevin Ensley, the board’s lone Republican. Ensley told school officials that, while he understood their problems, he was committed to a revenue-neutral budget, which would be a hard feat to accomplish while doling out extra money.

When asked what they would do if the county couldn’t fund them with any extra dollars, Superintendent Anne Garrett said they’d make do.

“Well, we would have to make it work because we wouldn’t have a choice,” said Garrett.

But even if the county does pony up for as much as the school needs, it will still mean some pretty painful slashing next year.

Last year, of the school system’s $72.5 million budget, the state picked up the tab for 62 percent of it. They’ve been reducing funding pretty steadily since recession came into full bloom in 2009; the system has lost $5.2 million since that year.

But this year, they will, at one time, be losing 77 percent of what they’ve lost in the past three years combined.

In terms of real jobs, the biggest hits are coming for teacher assistants. A whopping 49 percent of state funding for those positions is going right out the window, which translates to 32 assistants.

While the state suggests that every class through the third grade have a dedicated assistant, Haywood County can’t reach that threshold with the resources it has now. Apparently, no one can, according to school officials.

Right now, they’ve got assistants in all the kindergarten and first-grade classes, with a few rotating in second and third grades. If the House cuts go through, that would whittle that number significantly, essentially down to just the kindergarten aides.

Nolte said they would probably be able to stave off that particular carnage thanks to some forward planning last year. They got a slice of a federal money pie called EduJobs and then promptly squirreled it away for just such an occasion. They can now dip into it to fund some positions in the coming year.

Here’s the problem with that, though: it’s only enough to fill in that gap for one year. And depending on the state of the financial world this time next year, they could be back in the same place.

“Basically, what we’re doing is trying to do one more year and hope it comes back,” said Commissioner Michael Sorrells.

In other places, though, they don’t have the caches to shore up the gaping funding holes the state might leave.

Some school bus replacements will have to be put on hold and dropout prevention, staff development and several other programs will be scuttled altogether.

One pretty high number on the House cuts list is the 68 percent of textbook funding they’d pull. But, said Nolte, that’s not the big hit that it seems, as Haywood schools have been moving away from textbook reliance for a while now.

It makes sense — in a digital world, it’s unlikely that the classroom will be the only bastion of traditional paper texts. It helped their test scores, said Nolte, and now it’s helping their bottom line, too.

If the Senate’s budget is anything like the austerity of the House’s, school officials said that next year will be tough. But they’ve been preparing for this situation since 2009, having been forewarned by economists and government sources alike that the upcoming school year would be the nadir of the crisis for public finances. It’ll be rough, but they can probably ride it out.

There are a few stashes here and there that the school system could raid if things got dire, their yearly lottery payout being the fattest. But with 16 schools and even more offices, Nolte said they’re protecting that money to use for maintaining the buildings and grounds, since all the other pools that once paid for those improvements are drying up.

“We have 1.47 million square feet under roof, and it just takes some revenue to fix the pipes and the valves that start to leak and the roofs that wear out,” said Nolte.

Plus, he said, that final pot may soon be gone, too, diverted to other state needs. Two years ago, the school stopped getting ADM funding, which gave them money based on their schools’ pupil population.

“The lottery is being seriously eyed by the legislature,” said Nolte.

Really, though, what he’s concerned about is what comes next if things don’t get better. There comes a point where only so much that can be cut, and he worries that they’re on the express train to it.

“At some point in time, there’s going to be a straw or two that breaks the camel’s back. There’s really not a lot of cushion left there,” said Nolte. “We’ve lost over 50 positions in the last three years and we’ve tried to spread those, but at some point in time, there’ll be a saturation point.”

Jackson County Schools isn’t asking for extra money this year from county commissioners despite an expected 10 percent or more cut from the state.

What is taking a back seat in these tough economic times, however, are school-board members’ wishes to build a new gymnasium and fine arts building at Smoky Mountain High School in Sylva.

“Our school board is ... unanimous in wanting to finish the fine arts building and gymnasium,” Alie Laird-Large told commissioners during a joint workshop this week, adding that she hopes a “conversation at some point” could take place on that plan. A site has already been prepared.

Laird-Large said she and the other school board members would like to get some architectural designs and plans done, if possible. There were no commitments one way or another from commissioners.

What dominated the bulk of conversation during the work session were the possible state cuts to education funding. Gwen Edwards, the schools finance officer, outlined scenarios if what is currently being considered in the state House becomes reality. As she pointed out, the numbers “are changing by the minute,” so getting a fix on the future is proving difficult.

Funding for teachers assistants, textbooks, school buses and more is on the table, Edwards said. She projected the schools could lose $2.3 million under the House proposal. An additional $1.1 million or so in federal funding, temporary dollars, are also going away this year, Edwards said.

“We knew this was going to happen, it’s not like this was a surprise,” she told commissioners, adding the schools still hope to receive the nearly $6.8 million the county gave the system last year. Everything that could be done to reduce costs has taken place, she said, including not filling vacancies.

“(So) we’re not asking for increase — but if we could get the same amount of money we’d be very happy,” Edwards said.

Additionally, the schools are seeking $235,000 in capital outlay funding, for such items as roof and boiler repairs, more security cameras and a phone-system upgrade.

Commission Chairman Jack Debnam suggested another joint work session take place when the actual extent of state cuts becomes known.

Haywood County Schools is currently without a finance director, after long-time finance officer Larry Smith stepped down amid an investigation into accounting irregularities involving one of his employees.

Payroll Administrator Sheila Nix, who had been with the district for more than 20 years, was fired as part of the investigation into policy violations in the bookkeeping department. Smith, who had been with the school for 10 years, resigned.

Assistant Superintendent Bill Nolte said that while he couldn’t comment on the specifics of the open investigation, they’ve brought in an outside auditing firm to pore over the system’s financial records, scanning for further irregularities or signs of misuse.

While Nolte said they were certain some fairly major policy violations had occurred, they were, as yet, unclear about whether any laws were broken in the process. Local law enforcement and state officials, he said, are waiting on standby for the results of the audit.

Meanwhile, the school district is now left without someone to direct their finances, at a time when schools across the state are facing one of the toughest budget years on record — Gov. Beverly Perdue has warned schools to brace for 10 percent funding cuts, on top of the millions in cuts they’ve suffered in recent years — it’s a tough time to lose an experienced finance director.

However, Nolte said the support they’ve received from the community and other school districts in the region has been encouraging. Local citizens with experience in the field have offered their expertise, while other districts have said they can lend a hand and possibly a few staff until the dust settles and a new director is named.

Nolte said Smith himself has even been in touch to ensure a smooth transition, though he wouldn’t comment on Smith’s exact reasons for parting ways with the school system.

“People resign for different reasons and when people resign it’s their reason, not ours. But he [Larry] is a good fellow and he has been very helpful to us in transitioning to a new finance director,” Nolte said.

While the investigation has no specific timeline, Nolte said he’s confident that suspected violations don’t extend outside the bookkeeping department. But when there are questions of taxpayer money, the best response, he said, is a quick one.

“There are some things where you can go, ‘Let’s look at that next week,’ but you don’t do that with taxpayer money,” said Nolte. “You look at it immediately.”

Macon County Schools, like other local school systems in North Carolina, has been warned by state leaders to plan for cuts that could mount as high as 15 percent.

Along with other county departments, the school system will have to make some difficult choices in the days and months to come, Macon County commissioners agreed during a recent work session. Such as tapping into the schools’ fund balance — broadly speaking, the difference between assets and liabilities on its balance sheet — to help reconcile financial needs with actual available dollars.

Macon County Schools Superintendent Dan Brigman said this week the schools’ current fund balance comes to about $3 million. This money, Brigman noted, includes certain money allocated last summer by the federal government.

“We have worked very hard in the Macon County school system to preserve the fund balance in preparation for the loss of (some state money) to be removed July 1,” Brigman said, which will create an immediate “$2.4 million deficit in our state budget allocations for Macon County as a result of these dollars being taken away.”

Also important to understand, Brigman said, is that additional cuts might well come from the state.

Hard times, however, might call for hard choices.

“I always sound like I’m down on the school board,” Commissioner Bobby Kuppers said, adding that he’s not against school board members — rather, Kuppers emphasized, he’s a big supporter.

However, Kuppers said, “their fund balance is our fund balance — the bottom line is, they can’t look to me for $2.5 million while protecting $3 million … we’ve got to be really smart, and really careful, about what we invest our fund balance in.”

Macon County Manager Jack Horton told commissioners a 15-percent cut by the state to local schools could translate to the loss of 5,000 teaching positions statewide.

Kevin Corbin, a long-time Macon County Board of Education member who stepped in to complete the final two years of commissioner-now-state-senator Jim Davis’ term, said he doesn’t believe the county’s fund balance would be well spent funding continuing expenses such as salaries.

“(But) if this year and next year we have truly bottomed out, then using the fund balance (to bridge the gap) isn’t a bad thing,” Corbin said.

“We’ve had to make some very hard decisions the last three years,” Commission Chairman Brian McClellan said. “It’s going to be more of the same, and nobody is exempt from that.”

Macon County Schools’ entire total budget to operate the school system is $31,579,444.

This year in Cherokee, a major change will quietly work its way into law, causing little fanfare but marking a historic shift in policy towards the casino profits that, for 15 years, have been divided among all members of the Eastern Band of Cherokee Indians.

After April, teenagers will be required to go through financial training, before getting their share of the money, a measure that’s the first of its kind among Native American nations.

Principal Chief Michell Hicks says he’s pretty pleased with that decision, and the advantage it gives the tribe.

“Cherokee is way ahead of the game,” Hicks says. “The Eastern Band stands out in front.”

Hicks interacts with other tribes at conferences and events around the country, but knows of none that require this level of financial planning for the recipients of casino profits.

He — and the Tribal Council — hope that it will bring increased responsibility and burgeoning bank accounts to the tribe’s newest adults, who have not always had a history of cultivating either.

Big money (and big responsibility)

It’s ten minutes past three on a cold, Friday afternoon, and five high school seniors are gathered around a conference table at Cherokee High School, laden with backpacks and clearly very ready to get away from school work and into the weekend.

In the vast majority of ways, they appear to be like every high school senior in every town across America. They have the kind of names that characterize their generation — Kayla, Katlin, Skylar — and the attendant trappings, too. Cell phones flip back and forth idly in more than a few hands, more than a few thumbs swiftly click across tiny keyboards.

But in one unique way, they’re less similar to their peers in other places than a first glance might betray: these particular kids will mark their 18th birthday with more than some kudos, a voting card and maybe the keys to a used clunker. Quite a bit more, actually.

Since the end of 1995, every enrolled tribal member of the Eastern Band of Cherokee Indians has enjoyed a cut of the earnings from the boundary’s biggest breadwinner — Harrah’s Cherokee Hotel and Casino. Back then, that amounted to $595 a year. By 2010, it had jumped to $7,347 annually.

Today, the total payments for someone who have received the money from the outset works out to $92,000, no paltry sum. Children have their portion held in trust until their 18th birthday, and invested – “conservatively” says Chief Hicks – by Tribal Council and a special committee. And as the casino grows, so will revenue, and so will the trust fund for minors.

So when that monumental day comes to these six teens — and the other four-and-a-half-thousand odd tribal members who are still minors — a sizeable chunk of money will be laid in their newly adult hands.

“The first thing one goes out and gets is a brand new car,” says Jeremy Wilson. “This is the first question everyone who is about to get their big per-capita check is asked: ‘What kind of car you going to get?’”

Wilson would know, too. He’s 22 now and he got his money in 2007, so he had 12 years to consider what four-wheeled treasures such a cache of cash could purchase.

When he got the money, he did buy a new car — a Honda, relatively low in the flash department but still with a respectable level of youthful hipness — but with the remaining $35,000, he made a rather more adult decision. He invested it.

Is that normal?

He’s not sure. He can’t speak for everybody, says Wilson diplomatically. He was pushed towards the decision by his mother and elders in his life. But he will say that he was fairly unique among those he went to school with.

“When you’re 18 years old, and you are holding a check for $50-70,000 in your hands, what is the first thing you are going to think of?” he asks, almost rhetorically, answering himself: “it most likely won’t be mutual funds or Roth-IRAs.”

The Prodigal Spender

If you spend long enough talking to nearly anyone in Cherokee about kids and their per-capita checks, there is a certain sentence that will always enter into the conversation, in some incarnation or another. You will hear it from local leaders, young adults like Jeremy Wilson, school officials, financial counselors — the underlying theme in the current of conversation that will, without fail, bob to the top of the stream. It goes something like this: “you always hear about the kids who got the money and frittered it away on flash,” or some variant thereof.

According to Tribal Council Member David Wolfe, it’s why the idea of mandatory financial education was broached in the first place. And it was, in fact, an effort by young people themselves.

The teens at Junaluska Leadership approached the tribal council asking for help for themselves and their peers.

“They’ve heard the horror stories,” says Wolfe. “As the money in the trust fund has grown over time, now it’s getting to be a huge pot of money for them to be responsible for at 18.”

Keith Sneed, who works with Qualla Financial Freedom and has a vested interest in the issue, puts it in terms of cars. There is a multitude of bad stories, he says, about the giddy purchase of a set of wheels at sticker price and nothing to show for it years later but an old car.

“That’s all he’s going to have is an old Ford pickup,” says Sneed of the proverbial teen about whom there are so many cautionary tales.

It would be an understatement to say that Sneed rather dislikes that scenario. It is his dream to see every per-capita check recipient parlay that money into a million by age 40. And he genuinely doesn’t think that’s an unreasonable goal, which is why he started Manage Your ECBI Money.

In the simplest terms, it’s an online financial management course, and as of April, passing it with 80 percent is mandatory for anyone who wants their money at 18, as is high school graduation. For those that forego either, they’ll have to wait until age 21 to get their check.

Sneed is no fool when it comes to knowing what does — and does not — get through to teenagers.

According to Jason Ormsby, Cherokee High’s principal, he’s started heading up a yearly program called Mad Money, where he and volunteers from the community come together and simulate real life for an hour, throwing ninth graders into an imaginary financial world where they must manage their own money and deal with financial problems that are thrown their way.

“It’s real world scenarios in about a hour — your whole life in about an hour,” says Ormsby succinctly. And, he says, the simulation’s proven a success thus far.

Sneed is a far cry from teenagerhood himself, but he has spent the lion’s share of his life in the presence of the young, as a school teacher and now a financial outreach worker of sorts. And, making the adept observation that his interactions with youth these days trended towards the technological — e-mail, texting and the like — he saw an opportunity emerging to realize his dream that could actually work.

So he pitched it, and pitched it hard, enlisting the help of the First Nations Development Institute, who offer support and grant funding to initiatives by and for Native Americans, as well as the expertise of financial experts from every side of the economic world — bankers, investors, money managers and their ilk. And when he’d gotten a product he liked, he took it to the Tribal Council, who voted to make it mandatory.

It’s all in the approach

At this point in the tale, it should be noted that this isn’t the tribe’s inaugural foray into giving their young members some guidance in the ways of wise money management. It is the first time it’s been mandatory, but there have long been voluntary options for fiscal training.

Jeremy Wilson says he got some, in the form of the College Experience Program put on by the Tribal Education Department. A guy from First Citizen’s Bank came in, he says, and talked to Wilson and his youthful compatriots about financial options, wise investing and other similarly responsible and important economic topics.

“The only problem was, we were young,” says Wilson, by way of explanation for the less-than-lasting impact the surely admirable efforts had.

“This was nothing but sheer boredom to us, and even though a lot of people get onto us about how important it is for us to listen and pay attention, those people need to realize that you have to have the right strategy for the right audience,” says Wilson, offering a comparison to put a finer point on the problem. “If you are going to talk to a bunch of 15- to 18-year-olds about portfolios and showing stocks and numbers in a Powerpoint, you may as well talk to your grandfather about how to work an iPad.”

And it’s a salient point. If the youth of Cherokee have been playing the part of the prodigal son for the last 16 years, the well-intentioned programs and educational options of teachers and other adults were little more than the father’s pontificating to the son’s party-ready ears.

That, says Sneed, is why he’s looking to the kids themselves to craft a program that’s a little more, well, down with the kids.

“We’re asking the questions that they ask, not what their parents want to ask,” Sneed says. He brought young people into his office to meet with bank presidents, let them open up about what they didn’t understand in a more familiar environment on their terms, because, he says, “an 18-year-old walking into a bank president’s office is intimidating. It’s intimidating for grown people.” And the feedback from those interviews and many more like them built the groundwork for the Manage Your Money course, which is the first of its kind. They even have a series of YouTube videos featuring young tribal members and a hip-hop soundtrack that tout the merits of the program.

Sarah Dewees, a lead consultant with First Nations who helped Sneed develop the curriculum, says the efforts are groundbreaking.

“EBCI is actually on the cutting edge,” says Dewees. “They’re the first tribe that I know of to do an online financial course,” though she says many are re-examining their policies about minors and their monies, now that the amounts are beginning to grow.

She too, thinks the program is becoming necessary, not because Cherokee teens in particular have a hard time managing money, but because kids in general do.

“Any young person who is given a big responsibility or a large amount of money needs help to think about the best way to manage it, and when you’re young, you don’t really have a long-term view,” says Dewees. That’s the sentiment in Cherokee among those working to put that education in place, and those who wish they’d had it.

Getting back to 22-year-old Wilson, he has a lot of faith in his peers, but there’s only so much you can expect from an 18-year-old if you don’t give them any guidance.

“Our youth are smart, they really are,” says Wilson. “They just need to be given the right tools and strategies to help them become financially savvy.”

Chief Hicks says that this, more than anything, is the goal for young people, and the goal of this new law — equipping them to make better investments that will serve them longer than a new car.

“I’ve always been a believer that we need to continue to raise the bar on financial responsibility,” says Hicks. He says that financial programs like Sneed’s are, and have been, the key to changing the way young members think about where their money goes. That, says Hicks, is the long-term goal: change thinking to change actions.

“We want them to simply make the long-term investment, whether that’s a home or some other long-term investment, [to think] ‘you know this big nest egg, I’m going to do something with it,” says Hicks.

The conscientious kids?

Cut back to the high school, where our six seniors are sharing their plans for their per-capita money. Given Wilson’s assessment of his classmates attitudes towards investing the cash just four short years ago — “it’s not a popular topic”— it’s a little surprising to hear six teenagers talk about what they’re going to do with tens of thousands of dollars and not hear a single mention of the word Porsche.

In fact, the buzzwords that are bandied about are fiscal terms like “stocks” and “property” and “savings account.”

At the head of the table is Troy Arch. He’s antsy to leave for some other extracurricular activity, and when asked what his plans are, he quickly shoots back, “invest it in stocks.”

What kind of stocks?

“I don’t know, just some kind of stocks.”

Well, at least the intent is there, even if he hasn’t gotten the specifics nailed down yet.

Down the table, Kaitlin Bradly interjects confidently, rattling off what she thinks today’s Google stock price is.

She seems to be the ahead-of-the-curve type — the only one here who has already gone through the online course — and she’s in favor of settling her money in several different bank accounts, choosing the ones that have the best interest to drop the bulk into.

Skylar Bottchenbaugh, one of two 18-year-olds in the room, wants to invest his, too, though he’s got a more concrete goal in mind than simple savings.

He’s headed to Texas upon graduation, where he’ll study to be an auto mechanic.

“I want to invest into my own garage,” he says, and he’s gotten feedback from his family and college advisors that investing his big check first is a good way to start on that dream.

Of course, he adds, he’s going to buy himself a car, but not a new one, “because you’ll end up trading it in sooner or later. Probably a Kia or something.”

Again, not quite the expected car of choice for a teenager sitting on 70 grand.

In terms of pure intent, these students are a far cry from the anecdotal teen who has historically featured so heavily in the minds of those trying to help educate them. And that may be, in part, because that education is working, that programs like Mad Money are already getting through.

But another factor in play here may simply be time. Per-capita checks have been handed out now for just over 15 years, which is as far back as most of these students can remember.

All of them will say that the decisions of those that came before them had a hand in crafting their outlook today. They have seen firsthand how easy it is to flush away a few thousand. And so have their families.

“My parents have kind-of had a say in mine,” says Kayla Smith, also 18. “They see how everybody else spends theirs just randomly — two months and it’s gone.”

Yes, agree the others, we’ve seen that, too. And we do not think it is a clever idea.

To stick with the Biblical analogy, they’re playing the part of the other brother, watching unimpressed as the prodigal parties to the pig pen, determined not to share that path themselves.

Some of them, though, are similarly unimpressed that their responsibility — or intent towards such — hasn’t translated into a greater degree of respect from authorities. They don’t think money management should be mandatory for everyone, just those who drop out or flunk out. Yes, they’ve all chosen to study up on savings and investment, to seek sound financial counsel. But they resent the fact that they’re being forced into it.

“I think it’s unfair that they make us take this test,” says Bottchenbaugh. “We’ve waited all this time to get it. It’s our money, we should be able to spend it the way we want to, even if it’s blowing it in a few days.”

Some of that viewpoint, of course, is a by-product of youth, the compulsion to bristle against anything that’s compulsory.

And Sneed says he thinks the tribe would be remiss in not giving every kid the chance to acquire some solid financial skills, because, he says, in every group, regardless of outside influence, there will always be a few on each extreme of the spectrum — some who blow through the money recklessly, some who care for it wisely. The crowd he’s after is the middle, the average kid who might do great things with it, if only they knew how.

“There’s going to be a few that, no matter what you do, they’re going to throw their money away,” says Sneed. “The majority need direction and help, and that’s what we’re trying to provide: direction and help.”

Chief Hicks has a response for that mindset, as well: they will still get their money, just a few years later. And, he says, the idea in that was to, at least, provide every young person with three extra years of “natural experience” before coming into such wealth.

In other tribes around the country, the concept of staggered payments – breaking the lump sum into smaller chunks to be paid out at age 18, 21 and 24 – has been introduced for precisely that reason. And Hicks says it’s been bandied about for years among the Eastern Band. Even with the new course in place, it’s an idea that he’s certain isn’t dead yet and will swing back into the dialogue at some point.

“I think it’s going to be a topic that comes back alive as the money increases,” says Hicks. “Our students could save $10,000 if we did staggered payments.”

Hope for the financial future

Whether or not attitudes are already changing among Cherokee’s youth, Sneed says he hopes the direction and help will begin to show itself four, five or 20 years down the road, when today’s teens — and by extension the community around them — are more financially stable than their predecessors.

For the chief, it’s his hope as well, that the young people of the tribe would make sound investments now that would carry into the future. And while he thinks that gaining experience, education and training off the boundary is important — he, Sneed and Wolfe have all done so — he doesn’t see return and reinvestment of that same money into the reservation as an impossibility.

“I definitely think that’s an area that’s wide open,” says Hicks of entrepreneurship on the boundary, and he says that, even now, the tribe is making efforts to close the gap between current entrepreneurs, many of whom are older, and younger minds and money trying to learn the ropes.

In Wolfe’s eyes, he sees the long-term benefits of this program and others like it coming back to boost the whole community. He sees it as a “nation-building” effort.

“Before this, we didn’t have very many going to school and college. I think that’s a great sign of things to come out of these investments — to promote secondary education, that we can build on it,” says Wolfe. “That’s the type of scenario that we’re trying to create in a nation.”

And it’s hard to tell if our six teens represent a wholesale change in the attitudes of youth across the board. There is some element of self-selection — why come talk about your per-capita plans if you have none or don’t care to make any?

Principal Jason Ormsby, who has a more on-the-ground perspective, says he has seen a change in the attitudes of his students as a whole.

“I see more and more kids investing it, going on to college or buying a house, using it more wisely,” Ormsby says, and he hopes his students take the new education they’re about to get to heart.

“I’d like for them to take some of it and have a good time, you know buy themselves something, but I’d like to see them invest it and go on to school and see what happens then. Just don’t be in a hurry to spend it on stuff that’s not really that important.”

As someone who’s looking back from just a few years down that path, Jeremy Wilson’s parting wisdom to today’s 18-year-olds runs in the same vein.

“Don’t let per-capita consume you, don’t let it be your main concern, because there are too many areas in our communities that are in need of dire attention,” counsels Wilson. “If we can improve how we manage our money, we won’t need to look forward to the next per-capita check because then we will know we’re doing just fine, and we can then focus on more important things.”

Haywood County has landed a $1 million grant to turn the methane pouring off a no-longer-used landfill into energy.

The money comes from the N.C. State Energy Office as a part of their Energy Efficiency and Conservation Plan, which offers funding for local projects aimed at energy efficiency, renewable energy, energy conservation in transportation and greenhouse gas recovery projects like the one pitched by Haywood. The $20.9 million pool of money is part of the federal government’s stimulus package.

The county tried for funding in the grant’s first round last year, but was turned down. When the state announced it would open up a second round of applications, county officials resubmitted, this time with much better results.

According to David Francis, Haywood County tax administrator and solid waste committee member, getting such a large chunk of the change was a very lucky break for the county.

“We got lucky,” said Francis. “There was only $2.5 million out there in the second round.”

The funds will go to a project already on the county’s agenda – reclamation of the methane currently rising off the county’s closed Francis Farm landfill, located on the outskirts of Waynesville. Twenty-one methane vents were recently installed at the landfill to direct the escaping gas and point it skyward, instead of horizontally, where it was killing off plants.

Since methane takes the path of least resistance, steps had to be taken to direct the gas and protect the surrounding landscape, Francis said.

Methane is a byproduct of decomposing trash. The volatile pollutant contributes to global warming, so capturing it in some way is far better for the environment than merely releasing it into the air. Under this plan, it would be directed through pipelines connecting the 21 vents and hopefully pumped to the county’s nearby school bus garage, where it will either provide direct heat or power a generator to heat the facility.

Francis said the award is a real boon to the cleanup efforts at Francis Farm, which were being funded out of the county’s pocket. Past commissioners had not set aside funds to properly mothball the old landfill, which requires a measure of environmental remediation.

“This was part of the plan all along to do this,” said Francis. “How this grant helps us is it gives us the funds to do this.”

County Manager Marty Stamey echoed Francis’ sentiments, saying that the grant would provide a needed measure of relief to the county’s budget.

Now, the county will only pitch in $123,000 to complete the project, plus the savings gained through cutting heating costs at the bus garage.

“It’s one of the best grants we’ve ever gotten,” said Stamey.

The system is planned to be in place by Dec. 31.

Jackson County began capturing the methane from its closed-down landfill several years ago. There, energy from the methane is used to heat greenhouses and fuel blacksmith and glassblowing operations. Artists and growers rent studio and greenhouse space at the Green Energy Park, but the project has continued to run a deficit, causing Jackson's commissioners to question its viability.

Swain County’s West Elementary School will be getting a classroom expansion thanks to $1.8 million handed to them by Swain County commissioners in a special session on Monday.

The elementary school will gain eight new classrooms to deal with its burgeoning student population, though most won’t be completely new space.

“We’re replacing four modular classrooms,” said County Manager Kevin King. “We’re taking the trailers out and replacing them with classrooms,” which is in line with the steps a 2007 steering committee recommended the county take to alleviate the crowding that has plagued all of its schools over the last decade.

Next on the list of committee recommendations is Swain East Elementary, followed by a suggested new high school to be built on a plot near the current school purchased several years ago. Commissioners, however, didn’t discuss the timeline for bringing other suggested improvements to fruition.

Although the committee was formed and recommendations made four years ago, the projects were stalled slightly when financing options became scarce.

With the unanimous vote at Monday’s meeting, however, the board successfully secured a financing contract and will now be bringing in Kearey Builders of Statesville to start the construction.

A wide selection of bleachers at nearly every secondary school in Haywood County will get some repairs and replacements thanks to lottery funds approved by county commissioners, but the decision was not without contention from some on the board.

Commissioner Bill Upton, long-time superintendent for the county’s schools, raised questions about the wisdom of using lottery funds for bleachers when the state is facing a $4 billion budget shortfall.

Upton expressed concern that, in the new budget, local schools will get state teaching money slashed and may need to rely on those lottery funds, which were last year freed up by the General Assembly to pay for teachers.

“Ultimately, you’ll come to the commissioners if you need more teachers,” Upton told Tracy Hargrove, the schools’ maintenance head who came to ask for the funds.

Hargrove countered with a safety argument, telling commissioners that the school system has been cited by its insurance company since 2007 for faults in the bleachers and couldn’t really justify leaving the repairs until later when they are so frequently used.

Commissioner Kirk Kirkpatrick told Hargrove he agreed with the measures, but was also concerned about the political and financial implications of the decision if teacher funding is, in fact, cut again in next year’s state budget.

“We don’t want to get into a political battle over, well the commissioners won’t give us money for the teachers when we’re approving improvements to bleachers,” said Kirkpatrick.

Michael Sorrells, the newest commissioner and long-time school-board member, came out in favor of the schools’ request, posing the question of what would happen if the repairs weren’t made.

“We’re just taking a chance,” answered Hargrove. “It’s got to be done at some point. We’re just taking on the liability if we don’t do something.”

In the end, the repairs passed unanimously, but Upton said he just wanted to make sure the county and its schools were thinking far enough in advance.

“It will get political when we start sending teachers home, and we will in Haywood County. I just want to make sure we think about all these things before we make a decision,” said Upton.