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Bradford’s Weekly Newpaper

Bradford Journal

VOL. 173

NO. 16 BRADFORD JOURNAL/MINER

THURSDAY, APRIL 17 , 2014

Bradford Journal/McKean County Miner/Mount Jewett Echo

www.bradfordjournal.com

Phone 814-465-3468

John Brown’s Black Diamond Band Performs Caitlin Cox Performs

Bradford Journal Photo The Black Diamond Band was the final act for the day, during this year’s VetJam Event held April 12th at the Bradford Vet Club’s Event Center. Left to right are John Brown, Bradford Journal Photo John Rimer (drummer), Dave Randall, and Bob Green. Proceeds of the event were for the benefit of the Pennsylvania Veteran’s Foundation. (See photos and videos in associ- Caitlin Cox 15, performed between bands during this year’s VetJam benefit at the ated galleries.) Bradford Vet’s Club Events Center, April 12th. Here she sings “Radio Active” by the Imagine Dragons. (See associated photo and videos in galleries.)

Marty Shafer Of SD Visits Bradford

INDEX

Bradford Journal Photo Marty Shafer of South Dakota (center of photo), visitor to Bradford, stands with the Susan and Brian Frontino family, April 13th. Children are, (l-r) Austynn Sherwood 9 Aiyana Sherwood 12, Mia Bella Frontino 3, Xavier Frontino 4, Nikolai Frontino 4, Ayden Sherwood 10, and Angelya Sherwood 7. (Not seen is the photo is another member of the family, Giovanni Frontino 6). Marty, somewhat of a wanderer, tells us he is “in this neck of the woods” because he is visiting his son in Jamestown, NY. He was a U.S. Marine between 1973 and 1977 stationed in Okinawa, and also California. He tells us has also been a street preacher, car salesman, radio host, entrepreneur, and does motivational speaking.

Local News/Weather Comments & Opinions Obituaries Social News Crossword/Word Seek

2 3 4 6 12

Comics/Sudoku/ 13 DVD New Releases Classifieds 19 Senior Information page 20 Bradford Journal P.O. Box, Bradford, PA 16701 www.bradfordjournal.com Phone: 814-465-3468


Page 2 Bradford Journal & Miner Thursday, April 17, 2014

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LOCAL & AREA NEWS Marissa Buchheit Appearing In Jesus Christ Superstar In Concert (MIDLAND) – Bradford resident Marissa Buchheit will be performing in the concert version of Jesus Christ Superstar this month at the Lincoln Park Performing Arts Center. Presented by the Lincoln Park Performing Arts Center Professional Company show dates are April 25-27 and May 2-4. Buchheit will be featured as Soul Girl in this concert version which brings to life the songs of Andrew Lloyd Webber and Tim Rice from the award-winning musical about the last days of Jesus Christ as seen through the eyes of Judas. Based on the Gospels, the critically acclaimed rock opera profiles Jesus and those closest to him. Using contemporary elements, Jesus Christ Superstar in Concert highlights the struggles between Jesus and Judas and ends with the crucifixion. Currently a senior at Point Park University’s Conservatory of Performing Arts, Buchheit will graduate May 3 with bachelor’s degree in acting and a minor in broadcast journalism. During the past year her other professional credits have included Carla in In

Marissa Buchheit

the Heights at the New Hazlett Theater in Pittsburgh and Janet in the Brisbane Management Group production of The Rocky Horror Show. She is a graduate of Bradford Area

High School and performed in numerous musicals and shows during her school years including the Bradford Little Theater production of Disney’s High School Musical and was a featured soloist and choreographer for Kiwanis Kapers. She is the daughter of Pete and Karen Buchheit of Bradford. According to the show’s director, Gavan Pamer, “Most people may not know that ‘Jesus Christ Superstar’ was originally developed as a concept album and the first live performance in the United States took place in Pittsburgh. “It’s exciting to bring the show back to the basics, while still incorporating visuals that serve only to further the story instead of getting caught up in the expansive production aspects,” Pamer said. “We’re thrilled to present this musical in its truest form.” `Information on tickets and show times is available at: http://www.lppacenter.org

Students Honored At Pitt-Bradford Convocation (BRADFORD, PA)-- The University of Pittsburgh at Bradford recognized more than 40 students at its annual Honors Convocation held Friday, April 11. Among those receiving recognition are local students: Mohammad Al Haj Asad of Bradford (16701), Pa., received the freshman academic excellence award. Kaitlin McCann of Bradford (16701), Pa., received the sophomore academic excellence award. Brenda Brandon of Bradford (16701), Pa., received the graduating senior academic excellence award and the Management and Education Award. Paul Woods of Port Allegany (16743), Pa., received the Biological and Health Sciences Award. Vincent Berettini of Eldred (16731), Pa., received the Physical and Computational Sciences Award. Mathew Wilber of Bradford (16701),

Pa., received the David L. Blackmore Award for Excellence in Business. Bethany Mealy of Kane (16735), Pa., received the Education Student Award. Ian Kolb of Bradford (16701), Pa., received the Bachelor of Science in Nursing Student Award. Tyler Laurie of Kane (16735), Pa., received the Engineering Award. Jason Fetterman of Bradford (16701), Pa., received the Robert C. Laing Creative Arts Award in Writing. Richard Obermeyer of Bradford (16701), Pa., received the Student Affairs Special Recognition Award. Jodi Irons of Bradford (16701), Pa., received the Associate of Science in Nursing Excellence in Clinical Nursing Award. The 20th annual convocation took place at 11 a.m. in the Bromeley Family Theater in Blaisdell Hall at Pitt-Bradford.

THE BRADFORD AREA 5-DAY WEATHER FORECAST

Thursday, April 17: Sunny and not as cool today with a high of 57°. Thursday Night: Mostly clear and cold tonight with a low of 30°.

Friday, April 18: Mostly sunny and nice today with a high of 59°. Friday Night: Cloudy with a chance of showers tonight. Overnight low of 37°.

Saturday, April 19: Cloudy and a little cooler with a chance of showers today. High of 54°. Saturday Night: Cloudy with some evening showers. Low tonight of 36°.

Sunday,

Monday,

April 20:

April 21:

Mostly cloudy and cool today with a high of 54°. Sunday Night: Rain this evening followed by a late rain or snow shower. Low of 35°.

Clouds this morning giving way to some sun this afternoon. High of 53°. Monday Night: Parlty cloudy then clearing tonight. Low of 34°.

CHECK OUT OUR PHOTO GALLERY

WHEN YOU VISIT THE BRADFORD JOURNAL ON THE WEB!


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Bradford Journal & Miner Thursday,April 17, 2014 Page 3

5 ¢ENTS WORTH

by Grant Nichols

We stopped at the Bradford Area Public Library this last weekend, April 12th, to see how this year’s production of the Kid’s Derby was working out, and we found that the place was teaming with little tykes. The children, accompanied by their parents and/or grandparents, especially seemed to be enjoying the face painting, the bigger than life clowns who could make balloon animals and objects, and the crown making station. We also spent time at the VetJam (held at the Bradford Vets Club Events Center) listening to and photographing various musical artists who were performing there. And we have included photos of both events in this edition of the Bradford Journal……..Another photo included in this issue is that of a US Veteran who was standing at the intersection of Bolivar Drive and East Main Street, taking up a collection, Sunday, April 13th. We photographed this interesting man, along with a representative family, that had stopped to give him a donation. Marty, by name, mentioned that life was interesting, but that he was a little disappointed with Wal-Mart because, while they would allow the Salvation Army, worth billions of dollars, to solicit charity for others in front of their store, they wouldn’t allow him, of apparent little means, to pan handle there for himself. He contended that he took less profit, and spent less money, and was worth less than most of the nonprofits he has had contact with…….. It’s time to mark your calendars for the annual Bar Stool Open to be held on the last Saturday of April, April 26th. The event, as many of our local readers know, is a little put-put golf tournament wherein teams go from pub to pub, dressed in all types of costumes “whetting their whistle” as needed, and compete with one another at holes designed by each establishment. Notable over the past years are the various style holes at the Bradford American Legion Post 108, The New Keystone, and Bradford Vet’s Club VFW Post 212…….. This week we see another move afoot by the “you can never be too careful crowd.” Now they are insisting that laws be modified to allow the use of radar, in town by the City and Township Police Officers. Whatever the intention of such legal modification, money is sure to leave the open local economy, and find its way into the City, Township, and Judicial coffers. How good is that for local business?

It’s A Matter Of Opinion... Guest Columnist “What Does The ‘Lama’ Say?” -by Bob Perry

By now most of us have surely heard the lyrics to the song ‘What does the Fox say?’ and it goes like this: ‘Dog goes “woof”, Cat goes “meow” Bird goes “tweet”……. But there’s one sound that no one knows in What does the Fox say? Ring-ding-ding-ding-dingeringeding….’ etc. A bit of silliness but what is more important is What Does the Lama say? The Dalai Lama that is. Simply put the Dalai Lama sees the brain as a precious organ that deserves the utmost care and in order to protect it from damage one needs to avoid the things that do damage. Science has identified some popular things that cause damage to both the brain and the heart including: poor eating habits (no breakfast; overeating; excess sugar); smoking; working while you are sick; air pollution; sleep deprivation; junk food; excess alcohol; wearing a cap while sleeping; etc. It is a known fact that excess alcohol destroys brain cells as verified by MRIs revealing reduced brain mass from the alcohol consumption. If only this information would be as popular as the song ‘What does the fox say’. The Dalai Lama has many quotes available on the internet and encourage all to check them out. One particularly good one: “This is my simple religion. There is no need for temples, no need for complicated philosophy. Our brain, our own heart, is our temple; The philosophy is kindness.” By adhering to this philosophy you will live a healthier and longer life. A true one: “Our purpose in life is to help others. And if you can’t help

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them, at least don’t hurt them.” Others: “When you think everything is someone else’s fault, you will suffer a lot. When you realize that everything springs only from yourself, you will learn both peace and joy.” “Live a good life. Then when you get older and think back and you’ll be able to enjoy it a second time.” “If you want others to be happy, practice compassion. If you want to be happy, practice compassion.” Each of us are responsible for our own happiness and the road to happiness is a simple one and is found in philosophies like the ones expressed by the Dalai Lama. We can hear ‘What does the fox say?’, and read what the Dalai Lama says. Read and grow. Lesson is to live what the Dalai Lama and others like him say. What do you say?

Kyleigh Is Deciding

Bradford Journal Photo Mom, Ashley Smith, stands with her daughter Kyleigh Smith 5, while she decides just what type of balloon figure she wants Farmer Brown (Josh Hatcher) to make for her, April 12th during Kids Derby at the Bradford Area Public Library.


Page 4 Bradford Journal & Miner Thursday, April 17, 2014

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OBITUARIES Ellen Keller Ellen E. “Red” Keller, 94, a loving mother and grandmother, of 583 West Washington St., passed away Wednesday (April 9, 2014) at her residence. Born Oct. 14, 1919, in Degolia, she was a daughter of the late Leonard and Louise O’Neil Steck. On April 8, 1938, in Bradford, she married Harry B. Keller Sr., who died on April 9, 1996. Mrs. Keller had worked at Glendorn and then later at Corning Glass for many years. Mrs. Keller is survived by a son, Harry (Annie) B. Keller Jr., of Bradford; two grandchildren, Mark Keller and Kate Keller; three greatgrandchildren; one sister, Shirley McManigle of Bradford; and three brothers, Richard Steck and Wayne Steck, both of Lewis Run, and Dean Steck of Timbuck. Burial was in McKean Memorial Park, Lafayette, PA.

Rose DiFonzo Rose J. DiFonzo, 92, of Bradford, formerly of Falls Church, Va., passed away on Tuesday (April 8, 2014) at The Pavilion at Bradford Regional Medical Center. She was born on April 4, 1922, in Lewis Run, a daughter of the late John and Henrietta Pingie DiFonzo. She was employed as an administrative assistant by the American Telephone Telegraph Co. in Washington for 36 years; retiring in 1982. She is survived by one brother, Albert DiFonzo of Lewis Run; nephews,

Dan (Cheryl) DiFonzo of Sun Prairie, Wisc., John DiFonzo and Bud DiFonzo of Lewis Run and Brian (Tina) DiFonzo of Titusville; and nieces, Jayne (Kim) Schuler of Warren, Maria Sosa of Catasaqua and Tarisa (Bill) Noll of Bethlehem. She is also survived by a special friend, Marjory Knox of Lewis Run. Burial will be in St. Bernard Cemetery, Bradford, PA.

Finished With Shopping

Christopher Clark Christopher Eugene Clark, 55, of 9 Chautauqua Place, passed away unexpectedly Tuesday (March 25, 2014) at his home. Chris was born Nov. 11, 1958, in Jamestown, N.Y. He was a son of the late Clarence “Gene” Clark and Barbara Ann Clark Parisi. He is survived by a daughter, Victoria Grace Girdlestone and a son Matthew W. Frederick, both of Bradford, a sister, Sue (John) Mason of Erie, and a brother, Michael W. “Mickey” Clark; several nieces and nephews; his longtime companion Chrissy Brown and his dog, P.J. Arrangements have been under the direction of Mascho Funeral Home and a private service will be held as per the family’s request.

Bradford Journal Photo In the parking lot at the supermarket, April 12th, little 15-mos.-old Robert Squires and his mother, Ashley Zeigler give us a pose before unloading their cart and heading for home. Robert stops eating his Parents Choice “Little Puffs,” long enough for a quick smile.

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Copy Deadline: Noon Saturday Published every Thursday at 69 Garlock Hollow. Bradford, PA 16701, Except for the third Thursday in the month of June. Internet Color Version - $15.00 yearly Email Color Version - $26.00 yearly Grant Nichols Publisher Debi Nichols Editor Don Poleteo Military Correspondant


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BUSINESS & PERSONAL FINANCES Demystifying Credit Scores One of the few positive outcomes of the 2008 financial crisis was that it helped shine a light on the importance of understanding and staying on top of your credit profile. Along with that heightened visibility, however, has come a great deal of confusion and misunderstanding – particularly around the all-important credit score. “The consequences of not maintaining a sound credit score can be very costly,” says Anthony Sprauve, senior consumer credit specialist at FICO. “A low score can bar you from getting a new loan, doom you to higher interest rates and even cost you a new job or apartment.” Five factors are used to determine your credit score: payment history (usually around 35 percent of your score), amount owed (30 percent), length of credit history (15 percent), newly opened credit accounts (10 percent), and types of credit used (10 percent). Fortunately, if your credit score has taken a hit, you can initiate several actions that will begin improving it almost immediately. Just be aware that it can take many years to recover from events like bankruptcy or foreclosure. First, find out where you currently stand by reviewing your credit reports from each major credit bureau (Equifax, Experian and TransUnion). Look for negative actions your creditors might have reported as well as errors and fraudulent activity, which you can challenge through the bureau’s dispute resolution process. You can order one free report per year from each bureau through the government-authorized site, www.AnnualCreditReport.com; otherwise you’ll pay a small fee. You might also want to order your credit score. Lenders use credit scores to supplement their own selection criteria to determine whether you are a worthy credit risk. Several types are available, including FICO® Score, VantageScore (a competing model jointly created by Equifax, Experian and TransUnion) and proprietary credit scores from each of the three bureaus, among others. Scores typically cost from $15 to $20 each. Note: You may see offers for free credit scores, but they’re usually tied to expensive ongoing credit-monitoring services you may or may not want. Read the contract carefully. Here are a few tips for improving your credit history: • Always pay bills on time and catch up on missed payments. • Set up automatic payments for recurring bills and automatic minimum credit card payments if you often miss deadlines.

-by Jason Alderman

• Sign up for text or email alerts telling you when your balance drops or payments are due. • Never exceed credit card limits. • Monitor your credit utilization ratio (the percentage of available credit you’re using). Try to keep your cumulative utilization ratio – and the ratios on individual cards or lines of credit – below 30 percent. • Transferring balances to a new card for a lower rate will slightly ding your credit score – although it won’t take long to recover. But be careful the transfer doesn’t increase your utilization ratio on the new card. • Make sure that card credit limits reported to the credit bureaus are accurate.

• Don’t automatically close older, unused accounts; 15 percent of your score is based on credit history. • Each time you open a new account it slightly impacts your score, so avoid doing so in the months before a major purchase. • Pay off medical bills, as well as parking, traffic and even library fines. Once old, unpaid bills go into collection, they’ll appear on your credit report. “Bottom line, don’t lose hope,” says Sprauve. “The negative impact of past credit problems will gradually fade as recent good payment behavior begins to show up on your credit reports.”

Family Makes Crowns During Kids Derby Event

Bradford Journal Photo The Densmore family members make crowns at the Bradford Area Public Library during this year’s Kids Derby, April 12th. Left to right are Angel Densmore 4, daddy Robert Densmore, Emily Densmore 1, and mama Tammy Densmore. They’re enjoying the event


Page 6 Bradford Journal & Miner Thursday, April 17, 2014

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AREA SOCIAL NEWS Tips On Organizing Your Closets Like A Pro Bradford Area

(NAPSI)—Any time of year can be the right time to give your closets the once-over. A well-organized closet space offers several benefits. For starters, you can save time when you can find the items you are looking for. That can also mean less stress and more time to enjoy with family and friends. To help, here are some tips from EasyClosets—an online provider of do-it-yourself custom organization systems for all areas of the home. • Closets can be easily overrun with clothes, shoes and jackets that you no longer wear or are out of season and are taking up valuable space. Rotating your wardrobe with the season and purging items keeps everything organized and gives your closet some space to breathe. • When it comes to the closet space itself, create dedicated areas for specific types of items so you will know

where to find them—and where to put them away—every time. • Position shelves, hanging rods and drawers in a convenient location that makes it simple to get to items that are used frequently. • Then use your closet’s top shelves to store off-season or seldom-used items, including hats, luggage and extra bedding. • In the master bedroom closet, organize your belts, ties or scarves with pull-out racks that keep items separated and accessible. • In your kids’ closets, you can make it easier to keep things orderly with baskets and shelves placed within their reach. Wire baskets will let your little ones see what’s inside. Double up on hanging rods to maximize space and make clothing items more visible. As they grow, you can move or remove the adjustable rods. • To organize your entryway closet, create zones by dedicating baskets, hooks and shelves to each family member. Use them to store jackets, shoes, hats, bags, the dog’s leash and seasonal items. • If you want to get your closets organized right away, EasyClosets offers products that are custom made in one business day and shipped to your home. The company even has an intuitive online design tool to make space planning quick and easy for homeowners. Complimentary design service is also available, allowing customers to have an expert review their plan or create it for them. Upgrading to a custom closet can increase the quality and value of your home. Plus, you can save up to 50 percent by designing and installing the organizers yourself. To learn more, visit: www.easyclosets.com

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Bradford TOPS # Article submitted The weekly meeting of Top’s # 16 was held on Thursday, April 10th, at the Presbyterian Church with leader Vickie Johnson calling the meeting to order with the Top’s Pledge. The song was “Help me Slender to the tune of Love me Tender”. There were 33 members weighing in with a loss of 18 1/2 pounds. Officer of the week were Barb Smead and Vickie Johnson. The Secretary’s report was given by Sue Della Valle and the Treasurer’s report was given by Anna Wells. Birthday awards were given to Dorothy Young and Jessie Skillman. For the program Audrey Gilligan introduced Shelly Rhodes from the Bureau of Blindness and Visual Services. Shelly Rhodes talked on all the things that are out there for people losing their eye sight and for those who are having small problems seeing. She also showed us things that you can get like talking items such as clocks, watches, blood pressure kits, and many more. They service people of all ages with their youngest being 18 months to their oldest who is 105 years old. A question and answer session followed. The meeting was adjourned with the Top’s Prayer and the Friendship Circle.

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BIRTHS

SON, April 5, 2014, to Brooke Williams and Tate Hallock, Bradford, PA. TWIN SONS, April 7, 2014 to Joy and Shane Harless, Bradford, PA. DAUGHTER, April 7, 2014, to Melissa Thomas, Bradford, PA.


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Page 8 Bradford Journal & Miner Thursday, April 17, 2014

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ON THE HEALTHY SIDE A New Device Aids AICR HealthTalk -by Karen Collins, MS, RD, CDN Hearing And Quality American Institute for Cancer Research Q. If I follow a plant-based diet, how can I meet my calcium needs? Of Life A: A plant-based diet includes mostly, not only, plant foods, so you can get

(NAPSI)—A tiny new device may make a big difference for the estimated 36 million Americans who live with some type of hearing loss. This same device may also prompt more baby boomers to join the digital world. This is hopeful news, since the stigma attached to hearing loss still keeps many people from addressing a condition that can cause them to withdraw from the people and activities they once enjoyed. Beltone First is the first hearing aid able to link directly to an iPhone®, iPad® or iPod touch® and represents what’s described as a revolutionary advance that could dramatically increase the number of people who take action to address their hearing loss. It’s hoped the device can allow patients to restore not only their hearing, but their quality of life as well. “Beltone First enables the hearing impaired to seamlessly integrate the features of their smartphones in a remarkably discreet package,” says Todd Murray, president of Beltone North America. According to Murray, users can leverage their iPhone® to customize audio settings and stream audio directly to their hearing aid—without the need for an intermediary device, overcoming a common source of stigma among current and potential hearing aid users. An iPhone®, iPad® or iPod touch®

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most of your calcium from dairy products. These provide calcium in concentrated amounts in a well-absorbed form. Current federal recommendations for adults of 1000 to 1200 milligrams (mg) of calcium per day can be met by a balanced variety of healthy foods that includes 2.5 to 3 standard servings of milk, yogurt or cheese. However, you can choose plant-based options for some or all of those servings if you prefer. One standard dairy serving is 1 cup milk or yogurt or 1 ½ ounces cheese. You can get this amount of calcium from 1 cup of calciumfortified orange juice, calcium-fortified soymilk or soy yogurt, or 1 serving of calcium-fortified bread or waffles. Tofu is another option, though the calcium content varies. Check the label, because a four-ounce serving (about a half-cup) can range from 80 to over 400 milligrams (equal to about a quarter-cup to more than a cup of milk). Fortunately, tofu’s calcium is easily absorbed, too. A number of dark green leafy vegetables provide calcium, but these alone will not give you enough, especially because the body’s ability to absorb calcium from vegetables is somewhat limited. To get the calcium equivalent to a serving of dairy products requires 1/2 cup of Chinese cabbage, 1-1 1/2 cups kale or bok choy, more than 2 cups of broccoli, and 8 cups of cooked spinach. takes the place of that additional remote control, making it nearly impossible to distinguish a hearing aid wearer from anyone else. With a capability developed in collaboration with Apple®, Beltone users are able to directly stream phone calls, music, movies, turn-by-turn navigation and more directly to their ears. The link is established through Bluetooth® Smart technology, with the hearing aids functioning like wireless earbuds that are also high-quality hearing aids. Beltone First’s function goes beyond streaming audio. Users can customize

their hearing experience via an app, which effortlessly adjusts volume and treble/bass mix, and even takes advantage of an iPhone’s® geotagging capabilities to save specific settings for when wearers return to different acoustic environments like their homes, offices or favorite restaurants. A “Find My Hearing Aid” function uses a Bluetooth-linked “hot and cold” function to help users pinpoint hearing aids when they’re misplaced. Beltone First is available at more than 1,500 hearing care centers nationwide. More information can be found at the website www.BeltoneFirst.com


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Plan A Vacation, Get Happy (NAPSI)—It’s no surprise that a great vacation can cause a boost in happiness. But did you know that the biggest boost in happiness actually comes from the vacation-planning process, which has a greater impact on happiness than the vacation itself? That’s the word from experts who say that just the anticipation of a vacation can increase happiness for up to eight weeks, according to a study published in the journal Applied Research in Quality of Life. To help jump-start your happiness, here are some tips on how to plan a great vacation and get happy. • Commit to Regular Vacations: Americans wasted more than 500 million vacation days last year. To keep from becoming part of this statistic, lock in your vacations now! One great way to ensure you take regular getaways is by purchasing vacation ownership. This travel lifestyle product guarantees that you will have a vacation each year. And through exchange companies like RCI, you can swap your week or points for a stay at one of the nearly 4,500 resorts in more than 100 countries that are a part of its exchange. • Choose the Vacation You Need: Your destination and activities of choice are essential parts of planning the vacation you need. Think about the type of experience you want. Are you stressed at work? Perhaps a beach vacation at a spa resort would provide the relaxation you need to come home rejuvenated and refreshed. Or have you been feeling stagnated and bored? Then a location with activities like zip lining or scuba diving will give you the adrenaline rush you crave. Also think about if you would like a family-friendly resort, or choose an adults-only break if that’s what you need. It’s your vacation— take ownership of the details. • Do Your Research: With so much travel advice available online, it can be overwhelming to know where to start. Find a site that comes from a name you

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planning happiness boost without a lot of work, RCI’s “Win Your Dream Vacation Sweepstakes” has you covered. RCI is giving away 40 vacations in celebration of its 40th anniversary—you can dream up your ideal trip, then share it for more chances to win. Visit www.RCI.com/sweeps to play. The planning alone could boost your happiness.

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Bradford Journal Photo Near the end of the VetJam Event held at the Bradford Vet’s Club Event Center, April 12th, Josh Hatcher gives the crowd some acoustic rock. Many are his own creations, a composite of Jazz, Blues, Country, and Rock. Earlier in the day he was Farmer Jack the balloon artist during the Kids Derby at the Bradford Area Public Library. (See photos and videos in associated galleries.)


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Bradford Journal & Miner Thursday,April 17, 2014 Page 10

Witch Hazel In Action During VetJam

Attracting Attention

Bradford Journal Photo The Witch Hazel Band performed during this year’s VetJam event, April 12th, at the Bradford Vet’s Club Events Center. Left to right during their late afternoon performance are Randy Abbott, Rich Platko (drums), Bill Cox, and singer Lisa Platko-Auteri. (See photos and videos in associated galleries.) Proceeds were for the benefit of the Pennsylvania Veteran’s Foundation

Bradford Journal Photo Yogi The Clown (Henry Hatcher) attracted lots of attention with costume, personality and balloon figure creating abilities during this year’s Kids Derby at the Bradford Area Public Library, April 12th. Left to right are Yogi, Andrea Glantz, holding her son Gabriel Glantz 2, her daughter Lilly Glantz 3-1/2, Donovan Taylor 6, and Andrea’s mom, Barbara Burkhouse. Gabriel got a dog. Lilly got a horse, and Donovan got a pirate’s sword.


Page 11 Bradford Journal & Miner Thursday, April 17, 2014

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Bradford Journal & Miner Thursday,April 17, 2014 Page 12

JUST PASSING TIME THEME: 50. Greek H’s “Gardening 101” 52. *Special Hawaiian flowers form ACROSS: this garland 1. Torah expert 53. Getting warm 6. Chain letters 55. “Street” in Italy 9. Barred bed 57. Hang a banner, 13. Shoelace tip 14. *First gardening e.g. 60. *Refuse turned mo.? 15. Unit of money fertilizer 64. Ancient assemin Poland bly area 16. Abdul or Zahn 17. White House 65. Unagi 67. Like outside-ofDwight mainstream art 18. Big dipper 19. *Climber sup- 68. Relating to aquarium scum port 21. *Tiny garden 69. Shag rug 70. “Spaghetti Westshovel ern” maker Sergio 23. Afflict _____ 24. Lick 71. Short of “his25. “Be quiet!” 28. “Ta-ta!” in Italy tory” 30. *Cross between 72. Sophomore’s grade varieties 73. Dog-_____ 35. Church sound 37. Mojito, _ ___ book drink DOWN: 39. Wintry mix 1. Feeling great de40. Norse capital light 41. Brightest star in 2. Lab culture Cygnus 3. *Like many Gen43. Approximately, tians or Delphinitwo words ums 44. Japanese port 4. Swan of “Twi46. Slash mark light” 47. Drawn tight 5. Emphatic, in print 48. House cat, e.g. 6. Honoree’s spot 7. *Short for nitro-

gen, phosphorous, potassium 8. Thin mountain ridge 9. Old-fashioned bathtub foot 10. *What gardener did to riding lawn mower 11. It will, contraction 12. “So long!” 15. Plural of #15 Across 20. Homeric epic 22. Rally repeater 24. Club enforcer 25. Tina Fey/Amy Poehler schtick, e.g. 26. “Siddhartha” author 27. Conforming to dietary laws for Muslims 29. Greek god of war 31. Soak some ink 32. Opposite of urban 33. Question in dispute 34. Hindu garment 36. Mischievous Norse deity 38. *What Venus Flytrap eats 42. Opera house exclamation 45. *One-time plant

(Crossword Solution on page 14)

49. Poetic “always” 51. “He fights like a lion,” e.g. 54. Warn or arouse 56. Sleeper’s woe

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57. Wrinkly fruit 58. Wooden pegs 59. Short for brotherhood 60. Family group 61. *The corpse flower is famous for

its bad one 62. Cosine’s buddy 63. ____ up a golf ball, past tense 64. “I see!” 66. *Potato bud


Page 13 Bradford Journal & Miner Thursday, April 17, 2014

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Bradford Journal & Miner Thursday,April 17, 2014 Page 14

Friends Enjoy An Afternoon Of Great Music

Still Going Strong

Bradford Journal Photo Left to right Dianne Lapallo of Bradford, and her friends Kim Buller, and Dan Waldron of Franklinville, NY spend some time, April 12th at this year’s VetJam Event held at the Bradford Vet’s Club Event’s Center. They were there enjoying an afternoon of great music provided by area talent, and to support the Pennsylvania Veteran’s Foundation. (See associated photos and videos in galleries.)

Bradford Journal Photo A face painted Charleigh Miller 5, poses with her popcorn, purse, and balloon near the children’s stacks at the Bradford Area Public Library, April 12th. Charleigh is taking part in the Kid’s Derby, and is still going strong. She is the daughter of Kathleen and Charlie Miller, and granddaughter of Rose Bliss.

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Page 15 Bradford Journal & Miner Thursday, April 17, 2014

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A Little Subdued After Long Loud Day

Take Load Off Feet

Bradford Journal Photo Left to right are David Cox, his wife Dianna Cox and their daughter Erin Cox 14. They are the parents and sister of Caitlin Cox 15 who performed throughout the day during this year’s VetJam at the Bradford Vets Club Events Center, April 12th. It’s been a long, loud day and we think they’re all a little tired. (See photos and videos in associated galleries.)

Bradford Journal Photo Beverly Green 79, and her son Michael Green take a load off their feet and serve as a rendezvous point during this year’s Kids Derby. They are waiting for Mike’s kids who are taking part in the day’s events at the Bradford Area Library, April 12th.

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Bradford Journal & Miner Thursday,April 17, 2014 Page 16

FAMILY FEATURES

his year, make your Easter ham effortless by ditching the oven and using your slow cooker instead. While most people think about slow cooking for staples like chili and stew, it’s also perfect for center-of-the-plate feasts — like an Easter ham. Using the slow cooker, you can minimize both prep time and cleanup time, leaving plenty of room in the day for church, hunting eggs and enjoying time with your loved ones. Ham is a tradition for many families this time of year, and because it pairs well with a multitude of ingredients, you can create a unique dish every time. For a fresh spin on the classic ham, try this Sweet Southern SlowCooker Ham recipe from the National Pork Board. Apple cider and Easter Ham bourbon (or vanilla extract, if you prefer) combine to create a rich flavor Pin-spiration Sweepstakes complemented by the sweetness of brown sugar. Enter the National Pork Board’s Easter Round out your Easter menu by pairing your ham with classic sides Ham Pin-spiration Sweepstakes at such as oven-roasted carrots, asparagus wrapped in bacon and mashed PorkBeinspired.com/EasterHam for sweet potatoes. the chance to win an Easter gift basket You can also use leftover ham for flavor-packed recipes like Ham, with everything you need for this Apple and Cheddar Crepes, which are ideal for a family-style brunch. year’s celebration. To get inspired by more ham and Easter meal ideas, visit PorkBeinspired.com or Facebook.com/PorkBeinspired.

T

Ham, Apple and Cheddar Crepes Yield: 6 servings Prep time: 20 minutes Cook time: 30 minutes 3 cups ham, shredded and warmed 1 3/4 cups 2% milk 1/4 cup unsalted butter, melted 4 large eggs 1/2 teaspoon salt 1 1/2 cups all-purpose flour 1 Granny Smith apple, halved, cored and thinly sliced Cheese Sauce 1 tablespoon unsalted butter 1 tablespoon all-purpose flour 1 cup 2% milk 2 teaspoons Dijon mustard 1/4 teaspoon salt 1/4 teaspoon pepper 1 cup white cheddar cheese, shredded 2 tablespoons fresh chives, finely chopped Pour milk, butter, eggs and salt in blender. Mix until well combined. Add flour. Mix for 15 to 20 seconds or until smooth. Let stand for 10 minutes. Heat an 8-inch crepe pan or nonstick skillet over medium heat. Coat well with nonstick cooking spray. Pour 1/4 cup batter into pan, swirl to fully cover bottom of pan. Cook for 1 minute or until crepe begins to curl

around edges. Carefully flip and cook for an additional 30 seconds or until set. Transfer to plate. Repeat with additional cooking spray and remaining batter. Layer cooked crepes between pieces of wax paper to prevent sticking. Lay a crepe on clean work surface. Arrange few slices of apple on quarter of crepe; top with shredded ham. Fold crepe in half to cover filling and fold in half again to create triangular shape. Repeat with remaining crepes, apple and ham. Place on parchment-lined baking sheet and hold in warm oven until ready to serve, or up to 30 minutes. For cheese sauce, melt butter in saucepan set over medium heat. Stir in flour until well coated. Cook, stirring constantly, for 2 minutes or until pale and smooth. Whisk in milk, a splash at a time, until smooth; stir in mustard, salt and pepper. Cook, stirring constantly, for 5 minutes or until thick enough to coat back of spoon. Remove from heat. Whisk in cheese, a small handful at a time, until melted and smooth. Place filled crepes on each plate. Spoon cheese sauce over each crepe and sprinkle with chives. Serving Suggestion: All the elements of the recipe can be prepared a day in advance and gently warmed before assembling.

Sweet Southern Slow-Cooker Ham Yield: 12 servings Prep time: 10 minutes Cook time: 4 to 8 hours 1 bone-in fully cooked ham, about 5 1/2 pounds 1 cup apple cider 1/2 cup dark brown sugar 1/3 cup Kentucky bourbon 1/4 cup honey 1/4 cup Dijon mustard 4 fresh thyme sprigs Place ham in large slow cooker. Whisk cider with brown sugar, bourbon, honey and mustard. Slowly pour over ham. Scatter thyme sprigs into slow cooker.

Cook on high for 4 hours or on low for 8 hours, or until very tender. Remove ham to rest on cutting board. Pass remaining cooking liquid through fine mesh sieve into saucepan. Simmer for 10 minutes or until slightly reduced. Carve ham into serving pieces. Brush ham pieces with cooking liquid before arranging on platter. Serve warm or at room temperature. Note: For a non-alcoholic alternative, replace the bourbon with 1/4 cup water and 1 tablespoon vanilla extract. Cooking Tip: Use leftover ham to make Ham, Apple and Cheddar Crepes.


Page 17 Bradford Journal & Miner Thursday, April 17, 2014

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Line Dance To Music Of The Zephyr Band

Pirate Sword By Yogi

Bradford Journal Photo Four do a little line dancing on the floor at the Bradford Vet’s Club Events Center during this year’s VetJam event, April 12th. Left to right are Janet Cleveland, Crystal Belardia, Chris Pilon, and Joyce Kille. They are dancing to the music of the Zephyr Band of Olean. (See associated photos and videos in galleries.)

Bradford Journal Photo Jared Pearce 4 displays his balloon pirate sword to its creator, Yogi the Clown (Henry Hatcher) while Farmer Jack (Josh Hatcher) looks on. Balloon creations was one of the many activities provided during the Kids Derby held, April 12th at the Bradford Area Public Library.

Zephyr Performs Yet Another Song For Event Recycle And Be Rewarded

Bradford Journal Photo The Zephyr band of Olean, NY performed during this year’s VetJam event, April 12th, at the Bradford Vets Club Event Center. Left to right are Pete Farris, Kevin Franklin (drums), and Steve Foster making an attempt at an unscheduled tune. Proceeds from the event are for the benefit of the Pennsylvania Veteran’s Foundation. (See associated photos and videos in galleries.)

(NAPSI)—Here’s a look at a rare chance to use rare earth to help both the Earth and your skin. Kiehl’s Since 1851, the venerable purveyor of fine-quality skin and hair care, will donate 100 percent of net profits, up to $50,000, from its sixth annual Limited Edition Label Art Series for Earth Day to the not-for-profit Recycle Across America to create 65,000 standardized recycling labels for schools. Studies show these labels can raise recycling rates by nearly 50 percent. The limited edition labels, with Earth-inspired designs, adorn the Limited Edition Rare Earth Deep Pore Cleansing Masque and were designed by socially conscious actors Ashley Judd and Anthony Mackie. Celebrity photographer Laurie Lynn Stark captures each personality in her unique style. The masque’s key ingredient, fair-trade Amazonian white clay, can remove dirt, toxins, excess oil, and dead cells, leaving skin more refined with minimized pores. Once you use the masque, you can return the container to Kiehl’s stores as part of its Recycle and Be Rewarded! program. Customers can return empty bottles, tubes and jars for recycling at Kiehl’s retail stores, and with every tenth empty, choose a free item. Find Kiehl’s stores and learn more about Kiehl’s Limited Edition Rare Earth Deep Pore Cleansing Masques at www.kiehls. com/earthdaymasques and www.kiehls. com. Products are also at (800) KIEHLS-2 and specialty retailers.


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Bradford Journal & Miner Thursday,April 17, 2014 Page 18

CHRONOLOGICAL LISTINGS Engagements, Marriages, Births & Deaths ENGAGEMENTS:

(None) MARRIAGES: (None) BIRTHS: APRIL 4, 2014: DAUGHTER, to Erinne and Nathan Keim, Hinsdale, NY. APRIL 5, 2014: TWIN DAUGHTERS, to Kaitlyn Cossairt and Joseph DeLill, Olean, NY. DAUGHTER, to Summer Farnham and Michael Frary, Little Valley, NY. SON, to Brooke Williams and Tate Hallock, Bradford, PA. APRIL 7, 2014: TWIN SONS, to Joy and Shane Harless, Bradford, PA. SON, to Rebecca and Jason Eastman, Mount Jewett, PA.

DAUGHTER, April 7, to Melissa Thomas, Bradford, PA. APRIL 8, 2014: SON, to Jennifer and Robert Colf, Olean, NY. SON,to Kaelyn Tunderman and Jesse Smith, Olean, NY. SON, to Nastasha and Ryan Kinnaird, Olean, NY. SON, to Ruby and Wes Lee, Salamanca, NY. APRIL 9, 2014: SON, to Nicole and Jonathan Schink, Weston Mills, NY. DAUGHTER, to Ginny and Noah Thies, Great Valley, NY. SON, Natalia and Joseph Griswold, Allegany, NY. SON, to Ashley Bryant and Daniel Kenyon, Salamanca, NY. SON, to Mariah Stuckey and Brendan McCole,

Little Paintees Wait Patiently For Pledge Painter

Bradford Journal Photo Children and their parents swarmed the face-painting table during this year’s presentation of Kids Derby at the Bradford Area Public Library, April 12th. Left to right in the photo are Alexis Moreth 7, Eli Moreth 5, and Isaac Moreth 2, all about to add something to their features, and Elizabeth Prager, a pledge for the Alpha Phi Omega, performing the community service of face painting for the event. Olean, NY. 95, of Aurora, CO, merly of Bradford, HOUSLER, Sherformerly of Brad- PA. ry E., 77, of Clarks DEATHS: MARCH 25, 2014: Mills, formerly of Elford, PA. MARCH 7, 2014: CLARK, Christo- dred, PA. FEBRUARY 22, SCHAAB Mary pher Eugene, 55, of SMITH, Mary Eliza2014: Olmsted, 95, of In- 9 Chautauqua Place, beth “Tootie”, 97, COHEN, Leonard, dianapolis, IN, for- Bradford, PA. formerly of 1454 MARCH 28, 2014: South Ave., Lewis MURPHY, Lucille, Run, PA. YOUR WEEKLY HOROSCOPE age 90, formerly of KINNICUTT, Janet APRIL 17 - APRIL 23, 2014 Salamanca, NY. L., 56, of 267 West APRIL 1, 2014: Eldred Road, Eldred, ARIES - (Mar. 21 - Apr. 19) MASON, Clyde, of PA. A weakness is about to be weeded out but with this will come much needed San Antonio, TX. APRIL 8, 2014: discovery and freedom. APRIL 3, 2014: DiFONZO, Rose J., TAURUS - (Apr. 20 - May 20) CURRAN, Bon- 92, of Bradford, PA. This week’s lunar eclipse intends to pull no punches when it comes to bringing nie Lee Williams, HEIBERGER, Nancy 72, formerly of Cy- L., 72, of 120 Homesomething concealed into the open. clone, PA. stead Road, Kersey, GEMINI - (May 21 - June 20) TOMPKINS, Ronald PA. A revelation will dictate a way forward you’ve long wanted. . L., 78, of 405 Spring OST, Robert J., 72, CANCER - (June 21 - July 22) St., Emporium, PA. of East River Road, Where you might be aware of others following sheep-like, stand back and as- APRIL 4, 2014: Olean, NY. sess what the appeal really is. ARNOLD, Norbert DiFONZO, Rose A. “Norb”, 93, of J. DiFonzo, 92, of LEO - (July 23, - Aug. 22) Trust that what you’re about to propose is fair and suits not only you but 648 Cedar Road, St. Bradford,PA, forMarys, PA. merly of Falls someone else. D e S T E P H A N O , Church,VA. VIRGO - (Aug. 23 - Sept. 22) Michael Samuel APRIL 9, 2014: You know what you’re wishing for now. It’s time to assess properly how you “Mike”, 54, of 325 KELLER, Ellen E. can – and will – get it. Washington St., St. “Red”, 94, of 583 LIBRA - (Sept. 23 - Oct. 22) Marys, PA. West Washington McMILLEN, B. Paul- St., Bradford, PA. Prepare for change of the most exciting variety. ine, 87, of 764 JoJo SIMONS, Sandra C., SCORPIO - (Oct. 23, - Nov. 21) 78, of 3 E. Main St., Push aside pride and focus on what is clearly the best solution available to Road, Kane, PA. HOWARD, Mrs. Mount Jewett, PA. what comes to light. Betty A., 81, of Ti- MORIARITY, DebSAGITTARIUS - (Nov. 22 - Dec. 20) tusville, PA. orah D., 49, of 372 A surprise is in store regarding something you believed to be set in stone. APRIL 5, 2014: Grant St., St. Marys, CAPRICORN - (Dec. 21 - Jan. 19) M O N T G O M E RY, PA. A solution you appear keen to find doesn’t require as much effort and thinking Jane A., of 585 Park- TANNER, Virginside Drive, Lime- ia M., 95, of East time as you might believe. stone, NY. Smethport, PA. AQUARIUS - (Jan. 20 - Feb. 18) APRIL 6, 2014: APRIL 11, 2014: Just let proverbial dust settle before making any decisions or judgments. GRIFFITH, Law- NICHOLS, June E., PISCES - (Feb. 19 - Mar. 20) rence O. Jr., 88, of of The Lutheran You’re now at the forward stepping stage with your plan.You can trust that all Route 16 South, 92, Home at Kane, PA, the background work you have done recently has not been in vain. Franklinville, NY. formerly of DeYAPRIL 7, 2014: oung.


Page 19 Bradford Journal & Miner Thursday, April 17, 2014

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JOURNAL CLASSIFIED ADS EMPLOYMENT: Smethport: Very nice multiple BR Drivers: homes (5,3,2) for DEDICATED. rent with spacious REGIONAL. yards. Call 558HOME WEEKLY/ 6112 BI-WEEKLY GUARANTEED. Very nice small 2BR Start up to $.44 home 2 miles from cpm. Bradford. Lg yard, Great Benefits + no smoking, will alBonuses. low 1 pet if own90% No Touch er is repsonsible. Freight/ $725/mo. 814-59870% Drop & Hook. 9292 877-704-3773 HOMES FOR J-4/17-24/14 SALE: CARS/TRUCKS: BMW 318 I Convertable, standard 4 cyl. turbo charged. Asking $3,000 558-9995 or 362-2584 APARTMENTS FOR RENT: 1 & 2 BR apts. Walmart area, off street parking. Call Bob 366-2393 1 Bedroom $650 NO PETS. Utilities included,Parking, Laundry. 814-598-1778

For Sale by private owner- Small 2BR home located 5 min from Walmart and 5 min. from downtown Bradford. Home is in a peaceful neighborhood w/ very small yard and enough off street parking for 4 vehicles. Also offers 1 1/2 stall garage w/ small shop area built in the last 10 years. House also has own office area - perfect for working from home. House is very solid and is absolutely best price point in Bradford! $46,500. Serious inquiries only. Call 814-5989292

Downtown loft w/ city util, laundry & parking. NO pets, NO smoking. Sec & ref. $600. 368-7170, For Sale By Owner: ext 110. 3 -4 BR, 1 story home w/basement HOMES FOR in Bradford TownRENT: ship. No land contract, starter home, 3BR home available move in condition. March 1st. $675/mo $38,000 + G&E. 88 School 598-1860 St. Call Bob 3662393. For Sale:A story and 1/2 with full base3BR house. No ment, 3BR - (Could pets, $650/mo City be 4BR), 1&1/2 BA, utilities included. forced air heat, new 368-2229 siding, windows, roof, modern upSmall 2BR home in dates, above ground Bradford. Quiet pool w/ deck, front neighborhood, small porch, blacktop yard, has garage w/ driveway, Custer off st. pkg.Very nice. City - country setNo smoking/pets. ting. 1 shed also in$725/mo. Incl. City cluded. Comes with utilities. 598-9292 some appliances.

Asking $100,000 house and rent out Call 814-368-7290 3 units generating or 814-596-2531 $2,100 per month. Pay for your mortFor Sale: gage. All units and Private Owner, 2BR systems updated. single story house Main house has cut on large semi-pri- glass windows, 4 vate lot. House is fire places, barely well built & is very twist staircase with efficient. Located carved angels. Ask2 miles from Brad- ing price 285k call ford. Also comes Josh. 562-279-4481 with a large garage/ workshop/ man MISCELLANOUS: cave area. Low taxes + Low utilities + Got to go! priced right = Hap- Cadett riding mowpy home owner. Se- er -$400 rious inquiries only- 1999 Dodge Ram $73,000. 814-598- truck- 90k miles, 9292 $5,000 Troybuilt snowMallory mansion blower 28 inches, 1892 at 184 Con- 4 yrs old, used 4 gress St Bradford, times, - $500 PA. Rental income Small snowblower property that can $25 easily be restored Treadmill - $35 to a single fam- Exercise Bike - $35 ily dwelling with or OBO without a partial 362-3439 rental. Rent generated $4,200/month. FOR SALE Live in the main • Dinette set w/

chairs • Antique financing possible! wooden pinoc- Will consider trade chio puppet • 10 for down payment 814-512-2588 ft x 24 ft building w/steel floor (must be moved) CHECK OUT • 2004 GMC dual OUR wheel truck (was PHOTO box truck now flat GALLERY bed) • Commercial WHEN YOU Building consisting of 2 storefronts VISIT US w/3 apts above. LoON THE WEB! cated along Rt. 6 in www. small town in McKbradfordjournal ean County. Owner .com I will clean out your basement, attic or garage; clear away debris; mow lawns; trim; do general yard work/clean-up and general handyman work

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Bradford Journal & Miner Thursday,April 17, 2014 Page 20

SENIOR INFORMATION PAGE Elder Fraud: Protecting A Couple Of Couples Early On During Event Yourself And Your Nest Egg (NAPSI)—While the elderly are often targeted by scammers, there are ways you can protect yourself and those you care about. The Problem: New fraud schemes emerge constantly and the scammers are relentlessly creative. Seniors may get official-sounding e-mails seeking a fee for a bogus service or collecting an “inheritance.” Homeowners are targeted with phony service calls. In one brazen scam, a criminal posing as a grandchild asks the senior to wire money to get the grandchild out of a jam. In some cases, caregivers and family members may try to take advantage of a senior’s dependence and ask the senior to sign papers that shift control to the caregiver, or simply forge the senior’s signature. Practical Tips for Protection: Fortunately, seniors can understand the risks and protect themselves. Here are a few helpful tips. • Beware of “robocalls”; that is, a computerized message, instead of a person on the phone. • If anyone calls or e-mails you offering an opportunity to collect a prize by paying an up-front fee, remember: If it sounds too good to be true, it is. • Keep your Social Security number, credit card numbers, account PINs and other personal information to yourself. Your bank and other companies you do

Bradford Journal Photo This year’s edition of the VetJam benefit was held at the Bradford Vet’s Center, April 12th. Here, (l-r) Tonya Riley, Louie Colts, Roxanne Panighetti and her husband Jim Panighetti enjoy the music of Caitlin Cox on her acoustic guitar, and the first band of the day, Zephyr of Olean, NY. (See associated photos and videos in the galleries.) business with won’t call you to ask you to “confirm” this information. • Don’t be pressured. If you feel pressured to make a decision or purchase, or if you are unsure to whom you are talking, just say “no” and hang up. • Open your door only if you recognize the person there.

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• Never sign any document you don’t fully understand. If in doubt, ask a trusted friend, family member or adviser. Never sign blank checks or forms. • Keep a close eye on bank statements, credit card bills and invoices to spot any suspicious activity that could indicate identity theft. Requesting a free copy of your credit report annually (at www.annualcreditreport.com) is a good way to spot potential problems. • Shred your old bills and paperwork to make sure your personal information can’t be accessed by “dumpster diving” thieves. Make sure your mailbox is secure. • For home repair projects, always get a second estimate and call the companies’ references. Never pay for the work in advance—unscrupulous contractors may take the money and run. • Never use an untraceable wire service to transfer money. If you have to wire money, manage the transfer with your bank and make sure it can trace the recipient. Remain vigilant. If you think you or a loved one has been the target of elder fraud, contact the state’s Department of Consumer Protection to report the abuse. For more information, visit the National Committee for the Prevention of Elder Abuse at www.preventelderabuse.org, and Dr. Marion’s “Guide to Avoiding Elder Fraud” on the Philips Lifeline resources page www.lifelinesys.com. Being proactive about your own protection and safety is important for independent living. So is fast access to help when needed. Philips Lifeline helps seniors live more independently in their own homes by providing help in case of a fall or other accident. For more on how medical alerts can help, visit www.lifelinesys.com


Page 21 Bradford Journal & Miner Thursday, April 17, 2014

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Bradford Journal & Miner Thursday,April 17, 2014 Page 22

Got Student Loans? The Unspoken Burden Of Student Loans (NAPSI)—Shana will graduate this spring with a business degree and a ton of student loan debt. She’s not alone; on average, today’s college graduate will carry nearly $30,000 of debt into the “real” world. Total student loan debt in the U.S. is now more than $1.2 trillion and climbing at a time when the economy isn’t helping much. Many don’t realize the wide-ranging impact of this debt; it’s not just the students, it’s also their co-signers. And it may be putting families in further financial jeopardy that they aren’t aware of. In fact, the average American family is already $377,900 short of the amount needed to maintain its standard of living if the primary earner should die, reports Swiss Re, a global reinsurer. This amount represents the “protection gap” and it adds up to a staggering $20 trillion in the U.S. alone. A student loan payment is one more burden that a financially challenged family doesn’t want to have to face. But it can become a reality, because private lenders don’t forgive a student loan if the borrower should die before the loan is repaid. The co-signer—usually a par-

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ent—is then responsible. April is Financial Literacy Month—a good time to think about securing your financial future. It can be challenging, but you can start by taking a few simple steps to put your family on firmer footing. One of those steps is ensuring a liability—such as a student loan—is taken care of regardless of what happens. Taking out a life insurance policy and naming the loan co-signer as beneficiary ensures that the loan will be paid off in the event of the student’s/ graduate’s death. You can purchase a $100,000 life policy for $8 to $10 a month (the cost of a couple trips to the coffee shop). And the beneficiary can be changed at any time, if necessary. Admittedly, every penny counts for members of the “millennial” generation--80 million strong—who may be underprepared in this economy. “Life insurance isn’t top of mind with most millennials,” says Neil Sprackling, president of U.S. Life and Health at Swiss Re. “Understandably, they’re thinking about paying the rent and buying food and clothes, maybe a car. But for a very small investment, they can

make sure their student loans are taken care of regardless of what may happen.” Shana’s loans are with a private lender and are co-signed by her father. She and her parents reviewed the agreement to understand the financial consequences they would face if she were to die before the debt is repaid. It didn’t take them long to realize that a small investment—a policy that costs as little as a few lattes each month—is a great value for the extra peace of mind. Says Sprackling: “A life insurance policy won’t help you pay your loans now, but it’s a very responsible and thoughtful gift to your family.”

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Page 23 Bradford Journal & Miner Thursday, April 17, 2014

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PennDOT Encourages ID Card, License Holders To Save Lives Through Organ Donation (Harrisburg) – PennDOT encourages driver license and identification holders to help others in need of organ and tissue transplants live longer, better lives by registering to be an organ donor during National Donate Life Month in April. Nearly 46 percent of driver’s license and identification card holders are registered organ donors – that’s more than 4.5 million Pennsylvanians. More than 8,500 Pennsylvanians currently await organ transplants. “Potential donors can take action today to add the organ donor designation to their license or identification card, rather than waiting for renewal time,” said PennDOT Secretary Barry J. Schoch. “The 90 seconds you spend online requesting the designation for your license or identification card could potentially save a life.” To add the organ donor designation to an existing driver’s license or identification card today, visit: www.dmv.state.pa.us and select the “Donate Life Pennsylvania” icon at the bottom of the page. Once the designation is added, individuals will receive a designation card that they will have to carry with them to affirm organ donor status until they renew or replace their driver’s license or identification card. There is no charge for adding the designation to your driver’s license or identification card. Driver’s license and identification card holders, as well as registered vehicle owners, can also support organ donation programs by donating $1 to the Robert P. Casey Memorial Organ and Tissue Donation Awareness Trust Fund at the time of application, renewal or replacement. Proceeds from the fund are used to educate and promote awareness of the organ donor program through non-profit organizations like the Center for Organ Recovery and Education and the Gift of Life Donor Program. Pennsylvanians have generously donated more than $11.5 million to the fund to date. As part of ongoing efforts to increase awareness of organ and tissue donation, video monitors featuring educational content are installed at 20 PennDOT driver’s license centers. More information on organ and tissue donation in Pennsylvania can be found at www.donatelife-pa.org

THIS DOESN’T MAKE YOU AN ORGAN DONOR.

TELLING YOUR FAMILY DOES! The first big step in becoming an organ donor is making the decision to do so. but that decision alone doesn’t guarantee that your wishes will be followed. What many people don’t know is that the surviving family must give consent before organ and tissue recovery can take place. Without that consent, it simply won’t happen. Please don’t let a wonderful decision go to waste. Talk to your family.

Talk to your family about donating life! This message brought to you by:

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Bradfordjournalcolorissue4 17 14p  

Third Issue April 2014

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