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Bradford

VOL. 171 NO. 39

BRADFORD JOURNAL/MINER

Bradford’s Weekly Newpaper Magazine

Journal

THURSDAY OCTOBER 6, 2011

Bradford Journal/McKean County Miner/Mount Jewett Echo

Fairway Ford Cheerleaders Steel Themselves

www. bradfordjournal.com

$1.00

Phone 814-465-3468

Little Early For Class

Bradford Journal Photo Fairway Ford Mustang Midget League Cheerleaders pose for us with their rain garb and hot chocolate under a tent, October 2nd at Parkway Field during the end of the season playoffs. They were ready for their game with the Pizza Hut Raiders on a cold rainy day. In the front (l-r) are Rylee Close 7, and Madison Hartman 8. In the back (l-r) are Lexi Bennardi 11, Megan Wells 10, Julianna Morris 10, Ashton Himes 10, Brittney Rounsville 10, and Danielle Abbott 9.

Students Receive Introduction To Pointillism

Bradford Journal Photo Two fifth grade students wait in the hallway, anxious to get into their next period classroom at School Street Elementary School, October 3rd. On the left is Brianna Moore, and on the right is Destiny Smith.

INDEX Local News Comments & Opinions

Bradford Journal Photo In Mrs. Bennett’s Art Room at School Street Elementary School, October 3rd, Mr. Swanson’s fourth grade students were being introduced to George Seurat’s pointillism. They were painting with cue tips, using primary color dabs close enough together to give the appearance of blended paint strokes. From left to right are Kenny Miller, Alex Marrone, and Dakota Defilippo.

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Obituaries 4 Social News 6 Recipes & Food Information 9 Comics/DVD Listings 13 Classifieds 15 Senior Information page 16 Bradford Journal P.O. Box, Bradford, PA 16701 E-mail: bradfordjournal@bradfordjournal.com Phone: 814-465-3468


Page 2 Bradford Journal & Miner Thursday, October 6, 2011

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LOCAL NEWS Local Curves Clubs Waive Joining Fee (Bradford, PA) – October is Breast Cancer Awareness Month, and Curves continues to work to raise awareness in women about the life-saving importance of risk management, early detection and treatment. Throughout the month, Curves fitness clubs in the local community, including those listed below, are waiving the joining fee for new members who show proof of a mammogram within the past year or make a $25 donation to breast cancer research. Curves of Bradford, located at 57 Main St., at 814-362-1200 Curves of Kane, located at 21-A Field Street, at 814-837-6600 According to statistics from the American Cancer Society (ACS), nearly 230,480 women will be diagnosed with invasive breast cancer in 2011, and another 57,650 will be diagnosed with carcinoma in situ (CIS), a non-invasive, early form of breast cancer. Breast cancer remains a leading cause of cancer death in women, second only to lung cancer. More than 39,500 women will die from the disease in 2011. One woman in every eight will be diagnosed with invasive breast cancer in her lifetime. In recognition of Breast Cancer Awareness Month, each participating Curves center will focus on three important goals in supporting this annual campaign: 1. Helping women learn the facts about breast cancer and the importance of early detection. 2. Encouraging women to work out three times a week to help reduce their risk of developing breast cancer. 3. Participating in fund-raising efforts to support the research and outreach efforts of the ACS. Since only about 5-10 percent of breast cancers are hereditary, prevention can play a key role in a woman’s risk management strategy. The ACS recommends

making lifestyle choices such as eating right, getting regular exercise and maintaining a healthy weight to help a woman significantly reduce her risk of developing breast cancer. “Curves mission has always been to strengthen women,” said Curves Founder Diane Heavin. “Typically, women are caregivers, but when it comes to breast cancer, women need to understand how important it is to take care of themselves. Scheduling an annual doctor visit, performing a monthly breast self exam, eating a nutritious diet and making time for regular exercise are all things that a woman can do to stay strong and help reduce her chances of developing this devastating disease.” Early detection is the next line of defense, since about 93 percent of women whose breast cancer is caught in its earliest stages will be healthy and disease-free five years after their diagnosis and treatment. Guidelines from the ACS encourage women age 40 and older to have a Clinical Breast Exam (CBE) performed by a health professional once a year, along with a mammogram. Women in their 20s

Local Oil Prices: American Refining Group (ARG) Price Paid Per Barrel for Penn Grade Crude Oil:

$74.65 $75.04 $79.25 $76.01 $76.94

Tuesday, Sept. 27, 2011 Wednesday, Sept. 28, 2011 Thursday, Sept. 29, 2011 Friday, Sept. 30, 2011 Saturday, Oct. 1, 2011

Ergon Oil Purchasing Chart for Price Paid Per Barrel for Penn Grade Crude Oil: $74.65 $75.04 $79.25 $76.01 $76.94

Tuesday, Sept. 27, 2011 Wednesday, Sept. 28, 2011 Thursday, Sept. 29, 2011 Friday, Sept. 30, 2011 Saturday, Oct. 1, 2011

and 30s should have a CBE at least every three years. “The good news is that the ACS says that death rates from breast cancer have been declining since about 1990, with larger decreases in women younger than 50,” said Heavin. “Everyone at our local Curves fitness clubs are proud of the role we play in helping to educate women about breast cancer risk factors and the importance of maintaining a healthy weight, exercising regularly and making their own health a priority. Our goal is to see breast cancer statistics continue to reflect the positive impact that education and awareness can have.”

POLLEN COUNT Supplied by Fred H. Lewis, M.D. Olean (NY) Medical Group

Thursday, Sept. 29: Total Pollen Count: 4 Season: Weed Predominant Pollen: Ragweed Pollen Level: Low Mold Level: Low Friday - Saturday - Sunday Sept. 30 - Oct. 1-2: Total Pollen Count: 4 Averaged count per day: 1 Season: Weed Predominant Pollen: Ragweed Pollen Level: Low Mold Level: Low Monday Oct. 3: Total Pollen Count: 0 Season: Weed Predominant Pollen: None Pollen Level: None Mold Level: Medium

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THE BRADFORD AREA 5-DAY WEATHER FORECAST

Thursday, Oct. 6: Sunny and pleasant today with a high of 65°. Thursday Night: Mostly clear tonight with an overnight low of 35°.

Friday, Oct. 7: Sunny and warmer today with a high of 69°. Friday Night: Mostly clear tonight and warmer with a low of 44°.

Saturday, Oct. 8: Sunny and warmer today with a high of 72°. Saturday Night: Mostly clear and warmer tonight with an overnight low of 47°.

Sunday, Oct. 9:

Sunny and pleasant today with a high of 73°.

Sunday Night: Partly cloudy tonight and warmer with an overnight low of 50°.

Full Color PDF Copies of the Bradford Journal No Log-In No Passwords Just check your Email!

Monday, Oct. 10: Mostly cloudy, but nice today with a daytime high of 70°. SUBSCRIBE Monday Night: TODAY! Mostly clear toCall night with an overnight low of 814-465-3468 48°.


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Bradford Journal & Miner Thursday, October 6, 2011 Page 3

COMMENTS AND OPINIONS 5 ¢ENTS WORTH

Trumpet Lessons At School Street Elementary

by Grant Nichols

Photos this week include: one depicting the American Legion Club and Post #108 donating to the McKean County SPCA, a few from the end of the season Midget Football League play at Parkway Field on October 2nd, and some of those taken during a walk through School Street Elementary School on October 3rd…….. The annual series of Bradford Area Chamber of Commerce call-in-auctions begin this Friday, October 7th from 7-9:15 AM live on the Morning Buzz at WESB 1490 AM and WBRR 100.1 FM. Readers can see auction packages on page 16 of this issue and call 814-368-9372 to make a pre-bid before the auction…… In our reading over the last week we’ve been plodding through the interesting and informative book entitled The China Study published by bendbella books, and copyrighted in 2006 by T. Colin Campbell, PH.D., and his son Thomas M. Campbell II, MD. While its major topic, nutrition in health is not new, we think this book’s scholarly yet understandable, fully referenced universal statement is worth our knowing. And we’re sure our readers will benefit from its revelations of relationships between the consumption of animal protein and fats, with a focus on dairy products, and the major health problems of cancer, heart disease, diabetes, and autoimmune disorders. The following excerpt regarding mainstream medicine’s response to the last hundred year’s of cancer research should give our readers a good idea of the thrust of this book: “Roughly half a million Americans this year will go to the doctor’s office and be told that they have cancer of the breast, prostate or large bowel… Our institutions and information providers are failing us. Even cancer organizations, at both the national and local level, are reluctant to discuss or even believe this evidence. Food as a key to health represents a powerful challenge to conventional medicine, which is fundamentally built on drugs and surgery. The widespread communities of nutrition professionals, researchers and doctors are, as a whole, either unaware of this evidence or reluctant to share it. Because of these failings, Americans are being cheated out of information that could save their lives. There is enough evidence now that doctors should be discussing the option of pursuing dietary change as a potential path to cancer prevention and treatment… that the U.S. government should be discussing the idea that the toxicity of our diet is the single biggest cause of cancer… that local breast cancer alliances, and prostate and colon cancer institutions, should be discussing the possibility of providing information to Americans everywhere on how a whole foods, plantbased diet may be an incredibly effective anti-cancer medicine.”

Bradford Journal Photo Miss Schultz was giving trumpet lessons in the music room at School Street Elementary School, October 3rd when we stopped in. From left to right are 2nd year (5th grade) students, John Kennedy, Lexi Bennardi, and teacher Becky Schultz as they work on “Merrily We Roll Along” (“Mary Had A Little Lamb”).

Legion Post 108 And Club Give To SPCA

Bradford Journal Photo Representatives from the Bradford Legion Club and Post 108 made an appearance at the McKean County SPCA in Bradford where they presented a check for $2,500 towards the cost of animal incubators. From left to right are George Lindy, Sgt at Arms; Don McClelland, Post Commander, presenting the check to Sandy Orris, SPCA Manager; Barb Murphy, Assistant Manager SPCA; Sheldon Pugrant, Club President; George Anne Lindy, Post Adjutant; and Claire Butler, Post 2nd Vice Commander.

Get A Full Color PDF Version Of The Bradford Journal Emailed To You Each Week For Only $26.00/year! Go To: www.bradfordjournal.com Or Call: 814-465-3468 And Order Yours Today!


Page 4 Bradford Journal & Miner Thursday, October 6, 2011

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OBITUARIES William Wilber

William K. “Bill” Wilber, 71, of South Kendall Avenue, passed away Friday (Sept. 23, 2011) at home surrounded by family and his faithful pets, “Baby” and “Tiger.” He was born April 15, 1940, at the Mountain Clinic in Olean, N.Y., to Harry and Esther Saverline Wilber. On Jan. 21, 1966, in the Church of God, Eldred, he married Dolores “Dollie” Goldsmith, who survives. Mr. Wilber worked for several years as a pressman for The Bradford Era. In 1978, along with his wife, he purchased the Valley Inn in Farmers Valley. The Valley Inn was very active in the Smethport Softball League, Old Timers Softball, darts and pool. His teams had many first place finishes. He was presidentmanager until 1995 when he turned the reins over to his daughter and retired

to Florida. He is survived by his children, William (Colleen) Wilber II, Suzanne (Douglas Newman) Chesebro, David (Debra) Wilber and Dixie (Harold) Wright, all of Smethport, Laurie (W. Grant) Blaisdell of Bradford and Debra (Paul) Sample of Beaver; many grandchildren; four greatgrandsons; brothers, Harry Wilber of Riverside, Calif., Earl (Mary) Wilber of Smethport, Adelbert (Judy) Wilber of Palm Bay, Fla., and Roy (Nancy) Wilber of Bradford; sisters, Anna Mae (Herbert) McMurtrie of Bradford and Cyndie Perry of Newport News, Va.; as well as several nieces and nephews.

tal. Born May 5, 1933, in Knox, he was a son of the late Wayne E. and Goldie Rossman Berlin. On July 25, 1953, in Rew, he married Mary Ann Buffa Berlin, who died on Oct. 24, 1989. Mr. Berlin was employed as a shipping clerk for 44 years at Owens-Illinois. Surviving is one daughter, Paula (Ken) Dodge of Bradford; one son, Michael (Nancy) Berlin of Bradford; two grandchildren; three sisters, Donna Uhl of Bradford, Bonnie Titus of Bradford and Florida, and Barb Smith of Derrick City; one brother, Paul Berlin of Bradford; and many nieces and nephews. Committal services and military John Berlin John Raymond honors were in Berlin, 78, formerly McKean Memorial of 31 Corwin Lane, Park, Lafayette. Bradford, passed away Sunday Debra Crum (Sept. 25, 2011) at Debra E. Crum, Brookville Hospi- 54, of 79 Lincoln

Ave., was called home on Saturday (Sept. 24, 2011) at the Bradford Manor surrounded by her loving family. Born June 3, 1957, in Flora, Ill., she was the eldest daughter of Wayne and Kay Stolte Duree of Bradford, who survive her. Debra was formerly employed at Proper’s Florist, Joann Fabric, and prior to her illness was employed in the admissions and registration department at Bradford Regional Medical Center. Surviving, in addition to her parents, are two daughters, Alexis (John) Barrett and Jenifer (Eric Jennings) Crum, all of Bradford; one son, David (Rhonda) Monroe of Bradford; two sisters, Pam Hale and Lisa Larson, both of Bradford; seven grandchildren; and several nieces and nephews. Burial was in Willow Dale Cemetery

Alice Hart

Alice M. Hart, 75, formerly of 31 Clinton St., passed away Tuesday (Sept. 27, 2011) at the Bradford Manor. Born April 16, 1936, in Bradford, she was a daughter of the late Sylvester and Helen Zawacki Hart. She had been employed at Zippo Manufacturing Co. Surviving are two brothers, John Hart and James Hart, both of Bradford; and several nieces and nephews. Burial was in St. Bernard Cemetery.

Mary Seagren

Mary Elizabeth Seagren, 89, formerly of 2 South

Grace Lutheran Ministries 79 Mechanic St., Bradford, PA Phone: 362-3244 Saturday evening worship at 5:15 p.m. Casual dress, contemporary music and a caring atmosphere.

BRADFORD AREA BUSINESS DIRECTORY Kennedy Street Cafe 11 Kennedy St., Bradford, PA

Serving Breakfast and Lunches TAKE OUTS AVAILABLE!

Catering For Any Occasion Ph: 814-362-6040

Value Menu Items Starting at

$1.00! 75 Forman Street Bradford, PA

Ave., #410, passed away Wednesday (Sept. 28, 2011) at the Bradford Ecumenical Home. Born Nov. 15, 1921, in Erie, she was the daughter of the late Ivan C. and Marcella E. McDonald Luckman. On May 10, 1947, she married Anard S. Seagren, in Farmers Valley. Surviving are three daughters, Ronnie Seagren of Toronto, Ontario, Jan Van Dellen of Elgin, Ill., and Susan Bolte of Canton-Salem, N.J.; a son, Gene Seagren of Bradford; six grandchildren, ; and several nieces and nephews. Burial was in Willow Dale Cemetery.

USPS-062-740 Postmaster: Send address changes to: Bradford Journal P.O. Box 17 Bradford, PA 16701-0017 Phone: 814-465-3468 Copy Deadline: Noon Saturday Published every Thursday at 69 Garlock Hollow. Bradford, PA 16701, Except for the third Thursday in the month of June. Subscription In Advance (By U.S. Mail) Yearly/$50.00 Within County Yearly/$68.00 Outside County Internet Color Version $15.00 yearly Email Color Version $26.00 yearly

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Grant Nichols Publisher Debi Nichols Editor Vince Vicere, Political Reporter Periodical postage paid at USPS Bradford, PA 16701-9998


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Come in for a New Look this Fall!

Bradford Journal & Miner Thursday, October 6, 2011 Page 5

Worth W. Smith Presents

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Bottorf Embroidery 217 W. Washington Street Bradford, PA 16701

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John William’s European Pastry Plus Gift Shop Doughnuts $3.99/doz. Wed-Thur-Fri

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Warm Up With Friends And Good Times Here This Winter!


Page 6 Bradford Journal & Miner Thursday, October 6, 2011

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AREA SOCIAL NEWS Bradford Area Chamber of Commerce Calendar of Events:

October 2011 Oct. 6: Customer Service that Delivers 6-8pm Room 200, Seneca Building, Downtown Bradford, PA. $29 per participant. For more information or to register, contact the University of Pittsburgh at Bradford Division of Continuing Education and Regional Development at 814-362-5078

BRADFORD AREA PUBLIC LIBRARY 814-362-6527 fax: 814-362-4168 www.bradfordlibrary.org OCTOBER Friday, October 7 10:30 am Preschool Storyhour Saturday, October 8 10 am WIFI Club Wednesday, October 12 6:30 Friends of the Library Book Discussion Devil in the White City by Erik Larson All Programs Held at the Library are free and open to the Public.

BIRTHS Daughter, Sept. 26, to William and Christine Splain Yingling, Eldred, PA. Son, Sept. 29, to Becky and Jason Moreth, Bradford, PA.

CHECK OUT OUR PHOTO GALLERY WHEN YOU VISIT US ON THE WEB!

Bradford Post 108 Friday, October 7th

Dinner Special

Lasagna Open To Members & Guests

22 Pine St. Bradford

1-814-368-8251

or contined@pitt.edu Oct. 6-Nov 10: Women’s Self-Defense Class 7-8pm Thursdays, 5th Fl. Ballroom, Seneca Building, Downtown Bradford, PA. $59 per participant. For more information or to register, contact the University of Pittsburgh at Bradford Division of Continuing Education and Regional Development at 814-362-5078 or contined@pitt.edu Oct. 7: McKean County Community Support Program Open House 11:30am1:30pm Steps Drop-In Center, 62 Main and Chambers Street, Bradford, PA. Learn about the McKean County Community Support Program and Peer Support. Free and open to the public. Refreshments provided. Please RSVP by September 23rd to Christine Holtz at 814-362-6260 Oct. 11: “Everyday Blessings” Ladies’ Breakfast 9:15am Masonic Center, 625 South Avenue, Bradford, PA. Speaker: Suzanne Buckingham of Watertown, NY. Music: Robin Bianchi. Country fair will also be held – please bring items for the sale in before 8:30am. Cost: $8. Free child care by reservation. Sponsored by Bradford Area Christian Women’s Connection. For reservations, contact Loisanne at 814-368-

Bradford TOPS #16

-article submitted Vickie Johnson conducted the Thursday, September 29th afternoon meeting of TOPS #16 at First Church of the Nazarene.There were 26 weighins with a loss of 13 1/4 pounds. Loser in waiting and Officer of week is Anna Wells. Bev. Hannons’ quote of the week: “Joy is the feeling of grinning inside.” Jean McAdams fashion tip: “Threequarter length pants are perfect for showing off fancy footwear, whether its flats, wedges, pumps or boots.” Next week Jean Miller will bring in a recipe for a delicious Detox soup that boosts metabolism, helps liver break down fat and releases pounds of water weight. It will be copied for the members. A new contest will run from Oct. 6 to Nov. 17. It will consist of three teams. Please support your teams. Vickie Johnson read a note from Mary Tice, our district leader thanking us for our work on the Ralley. Dorothy Youngs good food tip:“Spinach is high in vitamin A and K. Strawberries are High in vitamin C.” Anna Wells gave a program on the USDA center for nutrition guide for good eating. She told that the food pyramid is being replaced by program called Choose my Plate. It is a dish with divisions for fruits, vegetables, grains and proteins and dairy. The meeting was closed with a prayer.

3669 or Virginia at 814-368-3444. Brad Riddell, Screenwriter 12noon Mukaiyama University Room, Frame-Westerberg Commons, University of Pittsburgh at Bradford, 300 Campus Drive, Bradford, PA. Free Spectrum Writers event. For more information, contact the Bromeley Family Theater Box Office at 814-362-5113. BRMC’s Healthy Beginnings Plus 20th Anniversary Open House 1-3pm 222 W. Washington Street, Bradford, PA. Open House with refreshments to celebrate the program’s 20-year existence. Hosted by BRMC. For more information, contact Molly Kloss, RN, Care Coordinator at 814-362-4722 or contined@pitt.edu “Monty Python’s Spamalot” 7:30pm Bradford Area High School Auditorium, Interstate Parkway, Bradford, PA. Outrageous new musical comedy lovingly ripped off from the film classic “Monty Python and the Holy Grail.” First event in the Bradford Creative and Performing Arts Center 2011-2012 Season. For tickets contact 814-362-2522 or arts@ bcpac.com Oct. 12: Bereavement Support Group 10:30am Bradford Senior Center, 60 Campus Drive, Bradford, PA. Adults who are grieving the loss of a loved one are invited to this free support group. Hosted by Community Nurses, Inc., for more information contact Community Nurses at 814-362-8183 Oct. 12 & 15: Wilderness Act of 1964 and the Allegheny National Forest 6:30-9pm (12) Room 200 Seneca Building, Downtown Bradford, PA Hike 9am12noon (15) Chestnut Ridge Wilderness Area. $15 per participant includes class and hike. For more information or to register, contact the University of Pittsburgh at Bradford Division of Continuing Education and Regional Development at 814362-5078 or contined@pitt.edu


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Bradford Journal & Miner Thursday, October 6, 2011 Page 7

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Page 8 Bradford Journal & Miner Thursday, October 6, 2011

The 411 On Prepaid Cards According to Gail Cunningham, spokesperson for the National Foundation for Credit Counseling, we live in a creditdominated society. “Without a checking or savings account,” she says, “it’s difficult to cash payroll, Social Security and unemployment checks; you need a credit or debit card to shop online, book a flight or rent a car; and you may be forced to carry large amounts of cash to pay bills.” One increasingly common money management tool for people in this situation is prepaid cards. These cards look and work much like regular debit cards except that instead of funding them through a checking or savings account, you load money on the card by cash, check, funds transfer or direct deposit by an employer or government entity. Common prepaid card features include: • You don’t need a bank account or solid credit rating to obtain one. • They start out with a zero balance until you add money. Purchases or ATM withdrawals will diminish the card’s balance until it reaches zero and you discard it (as with gift cards) or you reload the card. • Spending is limited to the amount loaded on the card, so you can’t buy more than you have. • Cards can offer “Zero Liability”

www.bradfordjournal.co

-by Jason Alderman

protection if you promptly report loss, theft or fraudulent charges. • Most allow ATM cash withdrawals and online or phone purchases. • They’re safer to carry than large amounts of cash. Common types of prepaid cards include: • Reloadable cards – to which more money can later be added. • Gift cards – used until their balance is depleted; they’re not reloadable. • Teen cards – where parents can reload the cards and monitor purchases online or by phone (allowing teens a chance to manage spending and budgeting in a controlled environment). • Travel cards – a safe alternative to cash and travelers checks. • Payroll cards – wages are loaded into the card’s account for immediate access (similar to checking account direct deposit). • Government agency-provided cards – benefits such as Social Security and unemployment are loaded into your card account. • Healthcare cards – allow point-ofservice access to funds in your Flexible Spending Account or Health Savings Account to pay for qualified medical expenses. Prepaid cards may come with fees and

17th Annual Hollyday Faire (Bradford, PA) - Crafters/Vendors are the Family Life center of Hill Memorial being sought for the 17th Annual Holly- United Methodist Church, 44 Kennedy day Faire on Saturday, November 19th at Street, Bradford, PA. Hours for the show are 9 am - 3 pm; Trying To Stop KOA hours for breakfast are 9 - 10:30 am and hours for luncheon are 11 am - 2 pm. Also ladies of the church will again be selling homemade Christmas cookies. Organizers are primarily looking for handmade goods and quality gift items. Vendors of brand-name goods will be accepted on a first-come, first-serve basis; the committee reserves the right to limit the number of brand name vendors. Deadline to register is November 4th. Cost is $15.00 per space. Fee is due with registration. All crafters/vendors will be asked to donate an item for the Chinese Auction to be held at the end of the craft show. To register, send check (payable to Hill Memorial UMC), to Marlene Cline, 65 North Center Street, Bradford, PA, 16701. Please include name, address, phone number, type of ware and whether electricity is required. Bradford Journal Photo For table rental fees and further inforDuring end of season Midget League play, mation, contact Ms. Cline at the address October 2nd on Parkway Field Bradford, above or phone 814-368-4194. Zippo tries hard to stop KOA’s move downProceeds from the event benefit the field. While this play was foiled, nothing church’s camper scholarship fund. on this particularly rainy day could keep KOA from piling up the score.

restrictions, so it’s important to read the card’s terms and conditions carefully and to shop around for the best deals. Good comparison sites include www.bankrate. com and www.creditcards.com. Here are a few questions to ask when comparing cards: • What identification do I need to buy this card? • Where can I use it? (Certain retailers only? Online? Phone?) • Can I later add funds to it? For example, will it accept direct deposit of payroll or Social Security checks? • Is there an expiration date? • Will I receive monthly statements? • Can I check balances by phone or online? • What fees apply? Common fees include those for card activation, reloading funds, balance inquiries, ATM or bank withdrawals and declined transactions. • What happens if it’s lost or stolen? To learn more about how prepaid cards work, you can order a free “Prepaid Card Basics” brochure at Practical Money Skills for Life (www.practicalmoneyskills.com), a free personal financial management program run by Visa Inc. Bottom line: Always make sure you fully understand the terms and conditions of any financial product or account before signing up.

Zach Heads To Class

Bradford Journal Photo Fifth grade student Zach Woodel, in the hallway at School Street Elementary School, October 3rd, heads for Mrs. McGinnis’s classroom. Zach, a running back for Hull Electric, fractured his thumb during Midget League Football play.


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Bradford Journal & Miner Thursday, October 6, 2011 Page 9

Hearty Cheddar Broccoli Soup

Serving Soup with Style Give your homemade soup a fun and stylish touch by serving it in individual bread bowls. For each bowl, get a small round loaf of bread. Cut off the top quarter of the loaf with a serrated knife. Remove the inside bread, leaving 1 to 1 1/2 inches on all sides and the bottom. Brush the inside with a little olive oil, then bake the bread bowls on a baking sheet in a 350°F oven for 10 to 15 minutes. Some more tips:  Bread bowls work best with thicker soups. You may need to leave more bread in the bread bowl to prevent thinner soups from leaking out.  Use the bread you removed from the inside of the loaf to make croutons for soup toppings. Cut or tear bread into bite-sized chunks. Brush with some olive oil and season with your favorite herbs. Bake until lightly golden brown.  Sourdough is a favorite for bread bowls, but try complementing your soup flavors with other types of bread: wild rice soup with pumpernickel, cheddar broccoli with rye, or potato chowder with a sharp cheddar or asiago cheese bread.

FAMILY FEATURES

here’s nothing quite like a bowl of hot, savory soup to warm things up on a chilly day. While making soup from scratch can be satisfying, there isn’t always enough time to devote hours to the process. That’s when products such as Shore Lunch soup mixes come in very handy. You add some of your pantry ingredients to the flavorful mixes and in no time you have a delicious, hearty soup that tastes like you spent all day in the kitchen. These easy recipes will let you ladle up home cooked goodness the whole family will love. For more recipe ideas, visit www.shorelunch.com.

T

Inspired Creamy Wild Rice Soup

Hearty Cheddar Broccoli Soup

Inspired Creamy Wild Rice Soup

Serves 6 to 8 1 11-ounce package Shore Lunch Cheddar Broccoli Soup Mix 1 pound ready-to-eat ham steak, cut into 1/2-inch pieces (about 2 cups) 1 14.75-ounce can creamed corn 1 6-ounce container French fried onion rings In soup pot, bring 8 cups of water to a rolling boil. Whisk in soup mix, ham and creamed corn. Bring back to a boil. Reduce heat and simmer uncovered until done, about 20 minutes, stirring occasionally. Serve generously topped with French fried onion rings. Serve with freshly baked cornbread muffins and homemade potato salad.

Serves 6 to 8 1 10.8-ounce package Shore Lunch Creamy Wild Rice Soup Mix 1/2 teaspoon dried tarragon 1 3-pound cooked rotisserie chicken, shredded into bite size pieces (about 2 1/2 cups) 1 pound fresh asparagus rinsed; trim off fibrous ends, peel outer skin of stalks, starting just below tips, cut into bite size pieces 1 pint heavy whipping cream In soup pot, bring 8 cups of water to a rolling boil. Whisk in soup mix and tarragon. Bring back to a boil. Reduce heat and simmer uncovered for 20 minutes, stirring occasionally. Add shredded chicken, asparagus and cream; stir to combine. Cover and simmer until done, about an additional 10 minutes, stirring occasionally. Serve with fresh buttered rolls or an assortment of artisan crackers.

Rustic Chicken Noodle Soup Serves 6 to 8 1 9.2-ounce package Shore Lunch Classic Chicken Noodle Soup Mix 1 pound ground chicken, thawed 3 tablespoons tomato paste 1 10-ounce can spicy diced tomatoes with green chilies (may substitute mild) 1/2 teaspoon ground thyme In soup pot, bring 8 cups of water to a rolling boil. Spray medium non-stick skillet with cooking spray. To skillet, add chicken, cook and stir over medium heat until crumbled, about 10 to 15 minutes, set aside. To soup pot, whisk in soup mix, cooked chicken, tomato paste, diced tomatoes and thyme. Bring back to a boil. Reduce heat and simmer uncovered until done, about 20 to 25 minutes, stirring occasionally. Serve with a fresh green salad and warm crusty bread.

Rustic Chicken Noodle Soup

Beer Brat Cheddar Potato Chowder Serves 6 to 8 1 12-ounce package Shore Lunch Cheddar Potato Soup Mix 1 14-ounce package of your favorite cooked bratwurst, sliced into thin rounds (about 2 cups) 1 15.25-ounce can whole corn, drained and rinsed 1 12-ounce bottle of beer In soup pot, bring 8 cups of water to a rolling boil. Whisk in soup mix, sliced brats, corn and beer. Bring back to a boil. Reduce heat and simmer uncovered until done, about 20 to 25 minutes, stirring occasionally. Serve with home-style baked beans and your favorite coleslaw.

Beer Brat Cheddar Potato Chowder


Page 10 Bradford Journal & Miner Thursday, October 6, 2011

Fairway Cheerleaders Put On Great Show

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Fumbling On Rainy Day

Bradford Journal Photo Fairway Ford Midget League player proBradford Journal Photo motes a Pizza Hut fumble, October 2nd in Fairway Ford Cheerleaders put on a great halftime show, October 2nd, at Parkway tough football action on a rainy day, durField, during end of season play. Here they are shown in the last moments of their per- ing end of season play on Parkway Field. (Ford recovered but to no avail.) formance to the sound of “Taking Care of Business�.


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Bradford Journal & Miner Thursday, October 6, 2011 Page 11

ON THE HEALTHY SIDE Protecting Kids’ Sight

AICR HealthTalk Karen Collins, MS, RD, CDN

Off To Baldwin’s Class

American Institute for Cancer Research

(NAPSI)—Parents can make a difference in the future of their child’s eyesight by taking easy steps, starting with early intervention. “Parents need to be observant and proactive from birth through teenage years. Children should be seen by a pediatric ophthalmologist by the age of 2, earlier if there are abnormalities,” says Dr. Roger Ohanesian, ophthalmologist and founder of the Armenian EyeCare Project (AECP) for children. Take time to look at your child’s eyes. Are they crossed? Do they have a jittering motion? Are both pupils black? As children age, test his or her vision at home by using the clock as the eye chart. Be aware that the leading cause of blindness in children is eye injury. Supervise children using sharp objects like scissors. Don’t let them use bleach or other chemicals that could splash. And use sports goggles while playing ball sports. Eye care for children in developing countries is extremely limited, but the AECP is making a difference. All children and needy adults are treated at no cost throughout Armenia by the Mobile Eye Hospital. Plus, AECP trains local doctors to treat retinopathy of prematurity, a leading cause of blindness in all premature babies. Blindness in children is devastating. However, most conditions are preventable with treatment. Provide new glasses or help restore a child’s eyesight by donating to the AECP. Visit: www.eyecareproject.com

Q: Is there a nutritional difference between apple cider and apple juice? A: In the United States, apple cider refers to apple juice that has not been filtered to remove all apple pulp. (Outside the United States, cider usually refers to an alcoholic beverage, designated as “hard cider” in the United States.) Cider contains more of the antioxidant phytochemicals than clear commercial apple juice. The extra processing to make juice may lead to loss of 30 to 90 percent of whole apples’ phytochemicals and antioxidant activity. That said, even cider can’t offer as many phytochemicals as you get from eating a whole apple, and it is missing the dietary fiber an apple provides. That fiber can also help lower blood cholesterol and may be used by healthy bacteria in our gut to produce protective substances that reduce risk of colon cancer. As for the choice between the two apple beverages, cider is a great choice for most of us, but it does pose one safety concern: although juice is normally pasteurized to kill harmful bacteria, cider, especially straight from a cider mill or farm stand, often is not. Most people’s immune systems can handle this, but weaker immune systems might not. Some people’s immune function has been reduced by illnesses like AIDS, cancer or diabetes, or by medications. Others with immune systems that are more vulnerable include the elderly, pregnant women, infants and young children. These people are at risk of serious illness from food-borne bacteria, so the Food and Drug Administration (FDA) recommends that if these groups drink unpasteurized cider, they should bring it to a boil first to kill any harmful bacteria.ß

Bradford Journal Photo On our visit to School Street Elementary School, October 3rd we met up with Hull Electric Charger Midget football player, Stephen Tingley, heading to Mrs. Baldwin’s classroom. He tells us the substitute for the class is Mr. Gleason.

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Mr. Grady Introduces Students To Solfeggio

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Bradford Journal Photo Mr. Thompson’s third grade students learn about Solfeggio (syllables representing tones that go with the C scale) in Mr. Grady’s music class October 3rd. Included in the classroom in no special order are, Mr. Grady, Devin Benson, Ellen Collins, Brianna Conner, Gavin Dach, Madison Dillaman, Max Hough, Mia Huber, Jobe Jones Conner Maze, Mary Miller Stephen Morgan, Meaghan Owens, Kaitlyn Pashkow, Mitchell Signor, Jett Simmons, Jeffrey Thacker, Antonio Vecellio, Gabriella Vobornik, Caleb Wolters, Emily Wonderly, and Kayla Yohe.


Page 12 Bradford Journal & Miner Thursday, October 6, 2011

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JUST PASSING TIME THEME: “World Wars” ACROSS: 1. Peter in Russian 6. Actress ___ Thompson 9. UPS competitor 13. Light-weight hat for protection from sun 14. Will Ferrell’s 2003 Christmas character 15. Aka Little Mermaid 16. In the least bit 17. One of a pair for biathlon competitor 18. Nincompoop 19. *Axis opposition 21. *Third _____ 23. Male or female, e.g. 24. *FDR’s third ____ was dominated by WWII 25. Popular locale in Ireland 28. Generic dog name 30. Male name of old Swedish origin 35. “Aid and ____” 37. Syrian neighbor 39. PDA pens 40. ____ contendere 41. Substitute for currency 43. Homer’s “Iliad,” e.g. 44. Dance named after horse’s gallop 46. “Wilhelm ____” 47. ____ school 48. *Infamous war camp 50. A person, place or thing

52. She played Laurie Partridge 53. *____ Germany, formed by Soviets after WWII 55. Uno ___ or one more 57. *FDR/Churchill/ Stalin conference site 59. *Big ______, howitzer used by Germans in WWI 62. Undersized 64. *Japan’s target, 12/7/41 66. *Rolls _____ armored car 68. Blood vessel 69. Often hailed 70. Like days gone by 71. Famously extinct bird 72. Ostrich-like bird 73. Summertime pests

tures 22. Energy or work unit 24. Heavy downpour 25. Stabs of pain 26. *Lusitania’s destroyer 27. “Twilight” protagonist 29. ____ tape 31. Editor’s mark for “let it stand” 32. As opposed to written 33. Lewis Carroll’s character 34. *Capital of unoccupied France 36. Saw or awl, e.g. 38. 1,000 grams 42. D’Artagnan’s hat decoration 45. Saffron-flavored rice dish 49. Gangster’s pistol 51. Limited in scope DOWN: 54. Pasta complement 56. Fur shawl 1. Parent organization 57. Equal to 4th and 1 2. Smidgen 3. October birthstone 58. Lowest female sing4. One who “_____ it ing voice 59. Hindu Mr. like it is” 5. Type of baseball 60. Robert Louis Stevenson’s evil character pitcher 61. Passed with flying 6. More is ____? colors 7. Mountain animal 62. Melancholy 8. Aflame 63. Bovine sound 9. Relating to urine 65. *He always seems 10. Hyperbolic sine to be pointing 11. Put it to paper? 12. ___ and the Family 67. Half the width of an em, pl. Stone 15. Bad blood 20. Highway depar-

WORD SEEK

(Crossword Solution on page 15)


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Bradford Journal & Miner Thursday, October 6, 2011 Page 13

THAT’S ENTERTAINMENT! RELEASED September 20: 4th & Goal Not Rated After Dark Originals: Area 51 R Aliens vs. Avatars Not Rated Bed and Breakfast

Not Rated Breaking the Press PG Bridesmaids Unrated/ Rated R Chromeskull: Laid to Rest 2 R George A. Romero

VIDEO SELECTIONS Presents Deadtime Stories - Volume 2 R River Murders R Shanghai Mystery Not Rated Spooky Buddies G Sword With No Name Not Rated The Kennedys Not Rated We Are the Night Not Rated Set Up R Secrets in the Walls Not Rated Savage Not Rated RELEASED September 27: American Loser R Boxer and the Bombshell R Dragon Crusaders Not Rated Echo Game

R Go For It! PG-13 Good Neighbors R iCrime Not Rated Inside Out PG-13 Jeff Dunham Controlled Chaos Not Rated Ledge R Lost Future Not Rated Without Men R RELEASED September 30: Transformers: Dark of the Moon PG-13 RELEASED October 4: Buck PG Caller R Captains Not Rated

Disneynature: African Cats Blu-ray/DVD G Fast Five Rated/Unrated PG-13 George: A Zombie Intervention Not Rated Great Ghost Rescue Not Rated Haunting in Salem Not Rated Heart Specialist R Isolation Not Rated LEGO: Hero Factory Savage Planet Not Rated Lion King Diamond Edition Blu-ray/DVD G Living Will R Moby Dick Not Rated

Nickelodeon Favorites: Merry Christmas! Not Rated Pee-Wee Herman Show on Broadway Not Rated Phase 7 R Pirates - Quest for Snake Island Not Rated Presence PG-13 Saving Winston Not Rated Scream 4 R Silent Night, Zombie Night Not Rated Slashers Gone Wild Not Rated Submarine R True Story of Puss’n Boots G Undefeated Not Rated

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Page 14 Bradford Journal & Miner Thursday, October 6, 2011

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CHRONOLOGICAL LISTINGS Engagements, Marriages, Births & Deaths

ENGAGEMENTS:

(None) MARRIAGES: (None) BIRTHS: SEPT. 24, 2011: Daughter, to Kinsey Hengst, St. Marys, PA. SEPT. 26, 2011: Daughter, to William and Christine Splain Yingling, Eldred, PA. Son, to Adam Gabler and Nichole Miller, Olean, NY. SEPT. 27, 2011: Son, to Desiree Meyer, St. Marys, and Daniel Serge, Ridgway, PA. Son, to Melissa and Brad Booth Jimerson, Salamanca, PA. Son, to Brandi Lananger, Olean, NY. SEPT. 28, 2011:

Son, to Erin Williams and Thomas George, Olean, NY. SEPT. 29, 2011: Son, to Becky and Jason Moreth, Bradford, PA. SEPT. 30, 2011: Daughter, to Amanda Crum and Derek Terwilliger, Port Allegany, PA. Daughter, to Stephanie and Michael Young, St. Marys, PA. DEATHS: SEPT. 23, 2011: LUCE, William H. – 80, of Eldred, PA. WILBER, William K. – 71, of Bradford, PA. SEPT. 24, 2011: WENRICH, Thelma E. – 91, of Ulysses, PA. CADY, Ruth E. – 93, of Mills, PA.

It Was A Rainy Day In More Than One Way

Bradford Journal Photo Fairway Ford Midget League teams works hard to put some numbers on the board, October 2nd at Parkway Field, during end of season play. It was a rainy day; in more than one way- the harder they worked, the farther they slipped behind.

78, of Coudersport, Allegany, PA. CRUM, Debra E. Bradford, PA. HART, Alice M. – 75, Duree – 54, of KOHL, Charles M. – PA. GREEN, Alexxis of Bradford, PA. Rennee – infant, of ZIMMERMAN, Jean YOUR WEEKLY HOROSCOPE Ulysses, PA. A. Stocum – 90, of October 6 - October 12, 2011 SEPT. 25, 2011: Coudersport, PA. BERLIN, John R. – SEPT. 28, 2011: ARIES - (Mar. 21 - Apr. 19) 78, of Bradford, PA. SEAGREN, Mary E. Someone close to you needs help and you’re well placed to give it. There may be SEPT. 26, 2011: Luckman – 89, of times when you’re likely to want to scream ‘what about me?’ but it’s important you WARNER, Emer- Bradford, PA. ignore that impulse now. son R. Sr. – 75, of JONES, Alice B. TAURUS - (Apr. 20 - May 20) Coudersport, PA. Bouch – 90, of Stop getting wound up about an issue that doesn’t require as much time, effort and MOORE, Frank A. – James City, PA. 88, of Kane, PA. SEPT. 29, 2011: attention as you believe it will. Something can – and will – take care of itself now. JENKINS, Wanda R. BOCK, Connie R. – GEMINI - (May 21 - June 20) Don’t be quite so quick to disregard what appears to be unworthy of time or effort Holly – 82, formerly 63, of Austin, PA. of Shinglehouse, PA. SEPT. 30, 2011: now. SEPT. 27, 2011: NASHADKA, Pearl CANCER - (June 21 - July 22) Focus exists now on where you live, those you live with putting plans in motion that CONNOLLY, Hel- – 74, of Johnsonen S. – 95, of Port burg, PA. will improve or transform your domestic set-up. LEO - (July 23, - Aug. 22) Something you’ve overlooked is about to demand your attention. Try not to overlook it a second time. VIRGO - (Aug. 23 - Sept. 22) You appear to be giving something too much time and attention.You’re giving priority to an issue that doesn’t warrant it. LIBRA - (Sept. 23 - Oct. 22) Support and admiration from others will boost your confidence and one special event planned will give you much to look forward to. SCORPIO - (Oct. 23, - Nov. 21) What seemed to be a set in stone completion date has more flexibility attached to it than you thought. Resist the urge to succumb to pressure. Time really is on your side now. SAGITTARIUS - (Nov. 22 - Dec. 2 A ridiculous request is being made of you now. An unrealistic demand is being imBradford Journal Photo posed. CAPRICORN - (Dec. 21 - Jan. 19) Left to right are Gabby Nelson, Emily You will look back at this time as a period when much started falling into place Thomas, and Karlie Deming. They are because you’re on the brink of creating something very special – and with one very three of Mr. Swanson’s fourth grade stuspecial individual. dents at work in Mrs. Bennett’s Art Room AQUARIUS - (Jan. 20 - Feb. 18) at School Street Elementary School, OctoThis week, expect to make significant, impressive progress with something that has ber 3rd. The lesson for the day was George stymied you for some time. Seurat’s pointillism in which dabs of priPISCES - (Feb. 19 - Mar. 20) mary colors are painted close enough to Give others the wonderful opportunity to make mistakes and learn from them. give the appearance of blended paint They’ll thank you eventually for doing so. strokes.

Studying Pointillism


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Bradford Journal & Miner Thursday, October 6, 2011 Page 15

JOURNAL CLASSIFIED ADS EMPLOYMENT: Drivers: Regional & OTR. Start up to $.41/mi + Excellent Benefits. 401K + Bonuses. Miles & Guaranteed Hometime! CDL-A 6mos. exp. (888) 219-8041 J-10/6-13/11

kept, no smoking/pets, 1/2 mi. from Pitt Cam- 2008 Thule trailer, pus, $1,000 + utilities. 8x14, 72” side door, rear ramp, spare tire & Call 814-598-2969. wheel, two direction Mobile home for rent: vent, like new condi56 Scott Drive. $600/ tion - $6,000- Serious mo. + security. 1-year Inquires only. (814) 362-6467 lease, 716-359-0420. HOMES FOR SALE:

MUST SELL! Cute C A R S / V A N S / starter home for TRUCKS: sale@ 35 Edwards Street, 2BR, laundry, liv1999 Supercab 4x4, ing room, dining room, Ford Ranger V6, bath, large covered 84,000 mi., runs great, front porch, enclosed $5,200.00 OBO Can back porch, new vinyl be seen at 134 Derrick fenced back yard, 1 Rd., or call 814-362- stall garage. $28,000 or 8835. best offer. ALL OFFERS CONSIDERED! 3682001 Grand AM GT, 7609 or 368-9510. white, 4DR, sunroof 97,500 mi., $2,499.00, MISCELLANEOUS: Call 368-7427 or 5980712. Used furniture for sale Sofa & Chair and 1/2. 2002 Dodge Status 4 And more. 362-3963 door, 91,000 mi., inspected til 05/2012, (4) SNOW tires, exc. asking $3,000 OBO. cond., Mastercraft New winter tires, and Glacier-Grip II, 205/ 60 reg tires- valued over R16, $100. 372-2436. $1,000. Well maintained, Can be seen 18 Ft. Utility Trailer, @ 307 Bolivar Dr. or Single axle. $1,200. Call call 814-368-5797 and 814-331-3285 leave msg. APARTMENTS FOR RENT:

Twin bed w/ sleep number adjustable mattress, 4 drawer chest of drawers & night stand. $500 814-465-3155

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4 mo. , kitten, FREE to a good home. Black & Grey w/white striped, house broken. 814366-4955.

Q: What Pennsylvania-born actress portrayed Jane Hathaway on the “Beverly Hillbillies”? Bradford Journal During rainy day end of the season KOA vs. Zippo Midget League play, October 2nd, on Parkway Field, the unstoppable KOA heads for another touch down.

A: Nancy Kulp.

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Zippo Lighters

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Very High Prices Paid For Gold Items: 10 Karat & 14 Karat Yellow- Dental Gold - 18 Karat Gold

Coin Collections Wanted! 15 Chestnut Street, Bradford, PA 814-362-1980 or 814-331-5235


Page 16 Bradford Journal & Miner Thursday, October 6, 2011

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Thousands Of Americans Make A Difference Using Alzheimer’s Association TrialMatch (NAPSI)—When her mother was diagnosed with Alzheimer’s disease in 2010, Dr. Denise Canchola immediately recognized the importance of enrolling her in a clinical trial. But even Dr. Canchola, a psychiatric nurse practitioner based in Pompano Beach, Fla., needed help and resources to search for Alzheimer’s clinical trials near her mother Gabriela’s hometown of San Antonio, Texas. Being located hundreds of miles apart, Dr. Canchola and her family used Alzheimer’s Association TrialMatch to easily connect to Alzheimer’s clinical studies nationwide. Dr. Canchola and her siblings learned about Alzheimer’s Association TrialMatch through the Alzheimer’s Association website at www.alz.org.The service connected them with trained staff and a database of Alzheimer’s clinical trials that are actively recruiting participants. “The Alzheimer’s Association website made it very simple to set up a profile, and TrialMatch provided my family with immediate information about local clinical trials in Texas,” said Dr. Canchola. “I was concerned since I live out of state, but we spoke with a TrialMatch specialist who has remained in touch with our family throughout this whole process.” By utilizing Alzheimer’s Association TrialMatch’s free and confidential services, Gabriela is currently participating in an Alzheimer’s drug trial. For people with Alzheimer’s and their caregivers, clinical trials present an opportunity to play a more active role in their

own treatment, contribute to scientific discovery and benefit future generations. “Through clinical trials, the medical community makes advances in prevention, early detection and hopefully a cure for this deadly disease,” said William Thies, Ph.D., chief medical and scientific officer at the Alzheimer’s Association. “When people tell me that they want to volunteer for clinical trials to help their children and future generations, I suggest they use Alzheimer’s Association TrialMatch program, because it is an easy and convenient way to find a clinical trial.” Since the service’s debut in July 2010, it has matched more than 3,000 people to Alzheimer’s clinical trials based on their diagnosis, preferences and location. The Internet- and phone-based service provides comprehensive clinical trial information and an individualized matching service for people with Alzheimer’s disease or related dementias, healthy volunteers including caregivers, family members and doctors. How To Find A Trial: Step 1: Access TrialMatch at www.alz. org/TrialMatch or (800) 272-3900. Step 2: Complete a brief questionnaire to create a profile. Step 3: Based on diagnosis, treatment history and location, the system will match your unique profile to its clinical trial database. Step 4: A specialist will contact you to provide unbiased trial result options and

trial site contact information. Specialists will not recommend any particular trial but will help you identify trials that match your specific eligibility and criteria.

MASTERCRAFT AUTO PARTS & GLASS AUTO GLASS 606 EAST MAIN STREET BRADFORD, PA 16701 E C I SERV PH: (814) 362-6803 It’s Oktoberfest Time! BACC Call-In Auction Friday, Oct. 7th, 7-9:15 AM LIVE ON THE MORNING BUZZ WESB 1490 AM / WBRR 100.1 FM Call 368-WESB to place your bid! Can’t listen in? Call/e-mail your maximum bid to the BACC Office by 4pm Thursday afternoon!

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75 Forman St Bradford, PA 362-4902 Hours: 10 a.m. - 10 p.m. Mon. - Sat. 10 a.m. - 9 p.m. Sundays

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We’re also on the ATA Route!

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Package 1 - A Night to Remember 2 Tickets to The Barter Theatre, Civil War Voices (University of Pittsburgh at Bradford) Overnight Stay - Jacuzzi Suite (Best Western Bradford Inn) Gift Certificate (Kelly’s)

Package 2 - Party with a Splash Pool Party with Slider (Bradford Family YMCA) Ice Cream Sheet Cake (Bradford Dairy Queen) Gift Certificates (Little Caesars Pizza)

Package 3 - Red, White, and Blue 20 ft. Stainless Steel Flag Pole (Allegheny Bradford Corporation) Standard American Flag and Pennsylvania Flag (Representative Martin Causer)

Package 4 - Know Your Limits Certificate for $300 discount on Boundary Survey (E & M Engineers and Surveyors, P.C.)

Package 5 - Let’s Go, Bills!

#13 Steve Johnson Framed 8x10 Signed Photo #14 Ryan Fitzpatrick Framed 8x10 Signed Photo 2011 Buffalo Bills Official Team Yearbook (Buffalo Bills) x #13 Steve Johnson Jersey (Made possible by LabelPack Automation)

Check Us Out! Look for extra photos at: www.bradfordjournal.com

To pre-bid by phone or e-mail contact the BACC Office at 814-368-7115 or kara.kennedy@bradfordchamber.com by 4pm Thursday afternoon. Watch for next week’s packages to be auctioned Oct 14th! All proceeds support the services provided by the Chamber.

SUBSCRIBE TODAY!


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Bradford Journal & Miner Thursday, October 6, 2011 Page 17

American Academy Of Ophthalmology Warns Parents And Teens About Buying Decorative Contact Lenses Without A Prescription (NAPSI)—Obtaining decorative lenses including colored contacts and novelty or costume lenses without a prescription is dangerous. And circle lenses, which are one of the latest fads with teenage girls, are not FDA approved and may cause serious eye-health risks. Websites often advertise decorative contacts as if they were cosmetics, fashion accessories or toys. With whimsical, playful packaging and names like Dolly Eyes, their targets are often teens and young adults. For this reason, the American Academy of Ophthalmology is warning parents and teens that purchasing any contact lenses without an eye examination and a prescription from an eye care professional such as an ophthalmologist—a medical eye doctor—can cause serious eye disorders and infections, which may lead to blindness. Even if someone has perfect vision, he or she needs to get an eye exam and a prescription from an eye care professional in order to wear any kind of contact lens. “Most people believe that decorative lenses do not require the same level of care or consideration as a standard contact lens because they can be purchased over the counter or on the Internet. This is far from the truth,” says Thomas Steinemann, M.D., professor of ophthalmology at Case Western Reserve University in Cleveland and a clinical correspondent for the American Academy of Ophthalmology. “In fact, permanent eye damage can result from buying contacts without a prescription. Many of the lenses found online or in beauty salons, novelty shops or in pop-up Halloween stores are not FDA approved and are being sold illegally. All contact lenses are medical devices that require a prescription and proper fitting by an eye care professional.” In 2005, a federal law was passed that classified all contact lenses as medical devices and restricted their distribution to licensed eye care professionals. Illegal sale of contacts can result in civil penalties of up to $11,000 per violation. Consumers should only buy decorative contact lenses from an eye care professional or a seller who asks for a prescription. Laura Butler of Parkersburg, W.V., purchased decorative lenses from a souvenir shop while on vacation. “I was unaware of the dangers involved in buying these lenses over the counter or of the harm that could result,” Butler said. “After wearing the contacts for a total of 10 hours, I experienced extreme pain in both eyes. Because I had not been properly fitted by an eye care professional, the lenses stuck

to my eyes like a suction cup. Removing them resulted in a corneal abrasion and a painful infection. I was in severe pain and on medication for four weeks and couldn’t see well enough to drive for eight weeks. I now live with a corneal scar, vision damage and a drooping eyelid. I want to share my story in the hopes that others will not have to live through this nightmare.” To protect the eyes, an eye care professional measures each eye in order to properly fit contacts for the patient. There is no such thing as a “one size fits all” contact lens. Lenses that are not properly fitted may scratch the eye or cause blood vessels to grow into the cornea. Additionally, the eye care professional instructs the patient on appropriate contact lens care. Lenses that are not cleaned and disinfected increase the risk of eye infection. Not all patients are good candidates for con-

tacts (prescription or decorative lenses). Patients who have frequent eye infections, severe allergies, dry eye that is resistant to treatment, a very dusty work environment, or an inability to handle and care for the lenses may not be suitable candidates for contacts. An eye care professional can assist in helping patients make a decision that is right for them. For more information on the safe wearing of decorative lenses as well as regular contacts, visit www.geteyesmart.org. About EyeSmart: EyeSmart®, the American Academy of Ophthalmology’s public education program, works to educate the public about the importance of eye health and to empower patients to preserve their healthy vision by providing the most trusted and medically accurate information about eye diseases, conditions and injuries.

Be Part Of The Action

(NAPSI)—If you like to think you’ve got what it takes to be a Blackwater operative, a new game can be a great way to find out. The Blackwater private security firm has endorsed an immersive shooter video game that lets players point, shoot, chuck grenades, kick through doors and take cover from enemy fire in ways that give a true-to-life glimpse of what it takes to be a member of an elite fighting force. The game is designed to showcase intense, authentic physical gameplay modeled after the challenging obstacles that actual op- through gesture-based control. eratives train for and encounter. “Blackwater” is published by 505 Designed as the first in its genre for Games. For more information, visit www. the Kinect motion-sensing system, it fea- blackwatergame.com. tures more than 25 different Kinect moves


Page 18 Bradford Journal & Miner Thursday, October 6, 2011

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Traditional Desserts Add A Fitting Finish To Thanksgiving Feasts (NAPSI)—One thing most people are thankful for each Thanksgiving is a variety of desserts including pumpkin and pecan pies. Pumpkin pie dates back to at least 1621, when Native Americans introduced the crop to the early American settlers of Plymouth. Hollowed-out shells were probably mixed with milk, honey and spices and then baked in hot ashes, as the early colonists did not have ovens. Tradition says the French were introduced to pecans by Native Americans and invented pecan pie soon after settling in New Orleans, but no recipes have been found that date before 1925. Karo knows from its history that the popular corn syrup version of pecan pie was a 1930s “discovery.” Karo syrup has long been an essential ingredient in classic pecan and pumpkin pies. Typically, light corn syrup is used when a delicately sweet flavor is desired, such as in fruit sauces and jams. With its more robust flavor and color, dark Karo syrup is ideal for many baked goods. Karo corn syrups used in baking contain 0 grams of high-fructose corn syrup. Both varieties are gluten-free. Here are two crowd-pleasing recipes for your Thanksgiving feast:

2 tablespoons brown sugar

Classic Karo Pumpkin Pie with ½ teaspoon vanilla extract Cinnamon and Spiced Whipped Cream Prep time: 10 minutes Cook time: 55 to 65 minutes Cool time: 2 hours Yield: 8 servings

Spiced Whipped Cream: 1 cup whipping cream

1 cup sugar

¼ teaspoon ground cinnamon 2 tablespoons butter, melted Dash ground nutmeg 1 teaspoon vanilla extract

Preheat oven to 425° F. For pie: Mix sugar, salt, cinnamon, ginClassic Pumpkin Pie: ger and cloves together in a large bowl. Add eggs and beat slightly. Add corn syr½ cup sugar up, pumpkin and evaporated milk; blend well. ½ teaspoon salt Pour filling carefully into piecrust. Do not overfill crust. The amount of filling 1 teaspoon ground cinnamon prepared may exceed the capacity of a 9-inch piecrust. ½ teaspoon ground ginger Bake for 15 minutes; reduce oven temperature to 350° F and continue baking for 1/8 teaspoon ground cloves 40 to 50 minutes, or until knife inserted in center of pie comes out clean. Cool on 2 eggs wire rack for 2 hours before serving. For whipped cream: Pour cream into ½ cup Karo Dark (preferred) or Light medium-sized bowl. Beat cream 3 to 4 Corn Syrup minutes until soft peaks begin to form. Gradually add brown sugar, being careful 1 can (15 or 16 ounces) pumpkin not to overbeat. Fold in vanilla, cinnamon and nutmeg. 1 can (12 fluid ounces) evaporated milk 1 (9- to 9.5-inch) unbaked deep-dish piecrust

3 eggs

Classic Pecan Pie Prep time: 5 minutes Cook time: 60 to 70 minutes Chill time: 2 hours Yield: 8 servings 1 cup Karo Light or Dark Corn Syrup

11/2 cups (6 ounces) pecans 1 (9-inch) unbaked or frozen* deep-dish piecrust Preheat oven to 350° F. Mix corn syrup, eggs, sugar, butter and vanilla using a spoon. Stir in pecans. Pour filling into piecrust. Bake on center rack of oven for 60 to 70 minutes (see tips for doneness, below). Cool for 2 hours on wire rack before serving. *To use prepared frozen piecrust: Place cookie sheet in oven and preheat oven as directed. Pour filling into frozen crust and bake on preheated cookie sheet. Recipe Tips: Pie is done when center reaches 200° F. Tap center surface of pie lightly—It should spring back when done. For easy cleanup, spray pie pan with cooking spray before placing piecrust in pan. If piecrust is overbrowning, cover edges with foil. For more recipes and information, visit www.karosyrup.com


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Bradford Journal & Miner Thursday, October 6, 2011 Page 19

Year-end Tips For Tax Savings (NAPSI)—The last several weeks of the year are typically packed with holiday events and tasks. This year, consider setting aside a little time for taxes. Taking just a few simple steps by December 31 could save you hundreds of tax dollars. To start, estimate your federal and state taxes using a tax preparation solution. Companies make their tax preparation software available at different times, but TaxACT is the first to release its software each year in early October and TaxACT Free Edition estimates your federal taxes for free. Using a tax preparation solution will help identify areas for potential savings, especially those that require action by December 31. You’ll also see the impact of the latest tax law changes on your bottom line. Tax breaks you claimed last year may have expired, changed amounts or have different qualifications. Conversely, new tax breaks may be available. Knowing early the approximate amount you’ll be refunded or owe may influence your year-end spending. If you expect a large refund, you can begin planning how to invest that money. If you have a balance due, make a payment now or adjust your withholding through the end of the year so you’ll owe less at tax time. Even if you don’t estimate your taxes, consider making these year-end, moneysaving moves: • Give charitably to IRS-approved organizations if you itemize deductions. Whether you donate cash, clothing or household items, save your gift receipts. Use the fair market value to determine the deductible amount of your non-cash donations. • Some energy-efficient home improvements made before December 31, 2011 will result in tax credits. Visit energy.gov for information. • If you (not your mortgage company) pay

your own real estate taxes, consider prepaying taxes due early 2012 by December 31 so you can deduct them on your federal return. • Make your January mortgage payment by December 31 to increase your mortgage interest deduction. If your mortgage interest statement does not reflect your pre−January 1 payment, deduct the correct amount on your tax return and submit a statement with your return explaining the difference between your deduction amount and the lender’s statement. • Contribute the maximum allowed amounts to your 401(k) or 403(b) retirement plans. • Convert your traditional IRA to a Roth IRA. The gross income cap for who can convert has been removed. • Defer income such as year-end bonuses and stock options until January 1, 2012 to decrease your taxable income for 2011.

Tips On Saving On Life Insurance (NAPSI)—Any time can be the right time to take a close look at your family’s life insurance needs. Many realize there is a benefit to providing for their family’s financial security by having life insurance. In fact, 93 percent of Americans say life insurance is something they should have, according to a survey from Life Foundation and Kelton Research. The good news is that with a little bit of research it is possible to find out how affordable it can be to purchase this security. Life insurance rates are based on a number of factors, including the type of policy purchased, as well as the age and health of the person being insured. Here are some ways you can maximize your life insurance dollars and make your policy more affordable: • When deciding on how much coverage you need, start by looking for coverage that can provide your family with finan-

cial stability in the event of your death. The idea is to purchase a policy that can protect the lifestyle your family is used to and make sure your family can still meet education and retirement goals. Remember, major life events such as marriage, divorce, purchasing a home and having children may change your desired coverage amounts and designated beneficiaries. Even if you can’t afford the policy you eventually want, you can start with a smaller policy and add to it as your life changes. It can be useful to turn to a licensed professional to help you navigate this process. • Eat healthy, limit alcohol consumption, exercise and watch your weight. Not only will you feel better, you could qualify for lower life insurance rates. • If you use tobacco, you should quit. Most insurance companies have several tiers of rates, including a lower tier for people who don’t use tobacco and a higher tier

• If you own stocks with big losses, consider selling them in order to offset taxes on gains. • Contribute to a 529 College Savings Plan if your state offers one. Contributions are typically deductible. • Pay your spring 2012 college tuition now if you haven’t yet reached the Tuition & Fees Deduction $4,000 maximum. Finally, gather and organize your tax documents. Print a tax return checklist at www.taxact.com/checklist. Preparing early will allow you to file as soon as you receive all your W-2s and 1099s in January or early February. If you owe taxes, you can still file early and schedule payment anytime before the April 17, 2012 filing deadline. Information about tax breaks for 2011 federal returns is available at www.irs.gov and you can learn more about TaxACT at www.taxact.com for tobacco users. If you looked into purchasing life insurance while you were a tobacco user and are now tobacco-free, contact your life insurance agent or shop around to see if you are now eligible for lower rates. • Shop around. Prices for the same life insurance coverage can vary greatly. Compare several insurance plans from different insurance companies and agents before making a selection. However, limit yourself to companies with high ratings from two or more independent agencies to ensure that you are getting quality coverage. For example, Wells Fargo offers an online, term life insurance shopping service that compares rates from some of the nation’s top insurance providers. For more information, you can visit : wellsfargo.com/insurance


Page 20 Bradford Journal & Miner Thursday, October 6, 2011

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Enjoy Bite-Sized Treats For The Holidays (NAPSI)—The holiday season wouldn’t be complete without the opportunity to enjoy a variety of sweet treats—made either from old family recipes or new ones. One of the challenges of enjoying holiday sweet treats is that it’s easy to overindulge. This holiday season, bakers can create bite-sized treats that provide a dash of darling and a twist of tradition. The Land O’Lakes holiday brochure contains five holiday sweets: Double Chocolate Cinnamon Mini Cupcakes, Reindeer Munchies, Eggnog Snowflakes, Red Pepper Asiago Gougère Cheese Bites and Mini Chocolate Whoopie Pies with Salted Caramel Filling. There is also a gluten-free version of the holiday recipe brochure available this holiday season. “Holidays are the perfect time to combine a little indulgence with family traditions,” said Becky Wahlund, director of their Test Kitchen. “With these new recipes, we make it easy for holiday bakers to create smaller treats that pack an amazing buttery flavor.” ¼ teaspoon ground cinnamon Here’s a new twist on a holiday favorite: ¼ teaspoon ground nutmeg Eggnog Snowflakes Glaze: Mini eggnog-flavored cutouts. Decorate ½ cup powdered sugar to resemble snowflakes for a beautiful 2 teaspoons LAND O LAKES® Butter, holiday cookie. softened 2 teaspoons light corn syrup Preparation time: 1 hour ¼ teaspoon rum extract Total time: 3 hours, 30 minutes 3 to 5 tablespoons water Decorator sugars, dragées or frosting, as Cookie: desired 1 cup LAND O LAKES® Butter, softened • Combine 1 cup butter and sugar in large 1 cup sugar bowl; beat at medium speed until creamy. 1 LAND O LAKES® All-Natural Egg Add egg, whipping cream, 1 teaspoon rum 2 tablespoons whipping cream or milk extract and vanilla; continue beating until 1 teaspoon rum extract well mixed. Reduce speed to low; add all 1 teaspoon vanilla remaining cookie ingredients. Beat until 21/2 cups all-purpose flour well mixed. 1 teaspoon baking powder • Divide dough in half. Shape each half ½ teaspoon salt into a ball; flatten slightly. Wrap each in

Cool Weather, Warm Treats (NAPSI)—There may be a chill in the air, but this dessert is sure to warm your family’s hearts and bellies. Brandied Mango Bread Pudding infuses a comforting classic with a taste of the tropics to bring warmth and sweet satisfaction to the dessert plate. Mangos add a natural sweetness and provide important nutrients, such as vitamins A and C. Mixed with traditional spices, this exotic take on a traditional dish is a simple combination of items already in your pantry. Available year-round, mangos give a refreshing twist to any dish, bringing bright flavor to every season. Combined with cozy spices like cinnamon and nutmeg, the delicious fruit makes this bread pudding a new fall favorite.

Brandied Mango Bread Pudding Makes 4 servings Prep time: 20 minutes Cook time: 40 minutes

plastic food wrap; refrigerate until firm (2 to 3 hours). • Heat oven to 375°F. Roll out dough on lightly floured surface, one-half at a time (keeping remaining dough refrigerated), to ¼-inch thickness. Cut with 21/4-inch snowflake shaped cookie cutters. Place 1 inch apart onto ungreased cookie sheets. Bake for 6 to 8 minutes or until edges are lightly browned. Remove to wire cooling rack. Cool completely. • Combine powdered sugar, 2 teaspoons butter, corn syrup and ¼ teaspoon rum extract in small bowl. Beat at medium speed, adding enough water for desired glazing consistency. • Place wire cooling rack with cookies over waxed paper. Brush glaze over cookies; decorate as desired. Let stand until set. Makes 6 dozen cookies ©2011 Land O’Lakes, Inc. To download a copy of either the regular or gluten-free version of the Land O’Lakes holiday brochure, visit: www.landolakes.com

Instructions: Preheat oven to 350°F. Lightly spray a 9-inch baking dish with nonstick cooking 6 cups 1-inch cubes King’s Hawaiian spray. Place bread cubes and mangos in Sweet Bread baking dish. In a medium bowl, whisk to2 ripe mangos, peeled, pitted and diced gether half-and-half, egg substitute, sugar, 1½ cups fat-free half-and-half brandy, vanilla and spices. Whisk in but¾ cup egg substitute ter, then pour over bread and mangos, stir2/3 cup sugar ring lightly to coat bread with egg mixture. ¼ cup brandy Let stand for 30 minutes or until liquid is 1 teaspoon vanilla extract absorbed. Bake for 40 minutes or until a ½ teaspoon cinnamon toothpick inserted into the center comes ½ teaspoon allspice out clean. ½ teaspoon nutmeg Serving Tip: Serve warm, dusted with 3 tablespoons butter, melted powdered sugar, if desired. Powdered sugar (optional)


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Bradford Journal & Miner Thursday, October 6, 2011 Page 21

Paying For College: The Facts Of Life (NAPSI)—Many parents with children in high school are finding that a frank conversation about the “facts of life” should also include a discussion of how to pay for college—and for good reason. According to a recent survey conducted by Sallie Mae and Ipsos, 22 percent of students and parents strongly agree that they had a plan to pay for all years of college before enrolling. At the same time, families overwhelmingly agree that a college degree is more important than ever. With higher education a priority among families, it’s crucial for families to have honest and open conversations about their higher education goals and the financial steps to achieve them. Here are some tips on how to jump-start the conversation with your child: • Build a plan to save for college together. Emphasize saving for college early and let kids know their contribution is important. Younger children can set aside money from a weekly allowance, while older kids can deposit money earned from babysitting or part-time jobs into their college savings account. Not only will it add up over time, but it will serve as a reminder of the child’s goal to attend college. Sallie Mae offers the Education Investment Planner to help you build a financial plan for college, available free at SallieMae. com/invest. • Teach kids the “1-2-3” rule for paying for college. First, leverage free money,

such as scholarships and grants. Second, explore federal student loan programs, which are widely available regardless of income or assets. Third, if there’s still a gap, consider responsible private student loans to help cover the costs. • Not all loans are created equal—make sure your children are smart borrowers. Look at loan options that encourage them to make interest payments while in school, such as the Sallie Mae Smart Option Student Loan. Opting for this type of loan can shorten repayment after school and help

them save money in the long run. • It’s never too early. “Financial planning for college is crucial; parents should realize it’s never too early or too late to start,” said Farnoosh Torabi, personal finance expert and author of Psych Yourself Rich. “Including your child in the conversation will ensure the family develops a strong commitment and plan for college.” Sallie Mae is the nation’s leading financial services company specializing in education. To learn more, visit: www.SallieMae.com

Getting Your Irrigation System Ready For Winter (NAPSI)—Increasingly, lawn care is becoming a year-round process. No matter the season, there are things a homeowner must take care of in order to keep a lawn looking its best. For example, if you use a sprinkler system to help keep your lawn in great shape, there are certain tasks you must perform before winter arrives. Experts recommend that you winterize your system around the middle of autumn to make certain that the job is done before any freezing occurs. The process mainly consists of getting all the water out of the lines. When water is left in the system and freezes, it can damage the valves and other system components. Here are some tips from the experts at Rain Bird: • Start by turning off the timer. Automatic irrigation systems have a controller or timer. Most controllers have a “rain” or “off” mode that shuts off the signals to the valves. Turning it “off” allows the controller to keep all the essential programming information stored in it. The only change is that the valves will not activate. If you unplug or cut the power to your control-

ler, you may need to reprogram it in the spring. • Make sure the water is off. Shutting off the main water supply helps to protect the system from freezing. Also, wrap the valve in insulation (foam insulation tape and a plastic bag). If your system doesn’t have a main shutoff valve, installing one to protect your investment is a good idea. • Next—drain pipes to keep them from freezing. Those who live in colder regions will want to remove the water from pipes to keep them from freezing and bursting. There are several ways to drain pipes, including draining the valves manually and using compressed air to “blow out” the system. Since there can be some risk well as information on where to find a involved, it’s always a good idea to con- specialist, visit www.rainbird.com or call tact an irrigation system specialist. It’s (800) RAINBIRD. also a good idea to insulate any aboveground pipes. Grace Lutheran Ministries • Backflow preventers and valves that are 362-3244 79 Mechanic St., aboveground need to be insulated, too. Bradford, PA Since this can be a complicated process, you may want to speak with an irrigation Saturday evening worship at 5:15 p.m. specialist, such as those at Rain Bird. Casual dress, contemporary music and a caring atmosphere. • Learn more. For more irrigation tips as


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Get Your Vehicle Ready For Tailgate Season (NAPSI)—For sports enthusiasts, this time of year means one thing: It’s tailgating time. Whether you’re planning to tailgate at your daughter’s soccer game or in the parking lot of your college alma mater or favorite professional football stadium, your car or truck is the center of the tailgating experience. So why not get it ready to tailgate in style? Small changes like repairing scratches, brightening wheels or reviving a worn truck bed can really improve the look of a vehicle. Here are some simple project ideas that any car owner can tackle: Repair tiny nicks, chips and scratches. Car and truck doors can be easily scratched by runaway shopping carts or other car doors. But it’s never been easier to repair small dings and scratches with products like Rust-Oleum Scratch & Chip Repair Markers. The squeeze bottles have a dualapplicator tip design that can be used as a brush or marker so the paint applies easily and nicks can be repaired quickly. Roll up to the game in style. Now you can customize your wheels without the custom price tag. For less than $30, you can make your existing wheels look brand new with Rust-Oleum High Performance Wheel spray paint. Try a color like graphite to enhance the color of your current plastic hubcaps and aluminum or steel wheels. Check out the Rust-Oleum Go 180 videos on YouTube to learn how to complete this project step by step. Revive your truck bed. It’s just not classic tailgating unless you’re sitting on the

back of a truck. But after years of hauling everything from lumber to your neighbor’s old sofa to your tailgate barbecue grill, your truck bed’s finish may be rusting, peeling or just look worn. But you can revive it and make it look brand new by applying a truck bed coating such as Rust-Oleum Professional Grade Truck Bed Liner. The rubberized coating is made with recycled tires and gives truck beds a jet-black, textured, nonskid finish that will last season after season. And one kit includes enough coating to redo an eightfoot truck bed.

Don’t forget the barbecue grill. If you’re like most people, you’ve probably put a little mileage on your tailgate barbecue grill. But don’t be tempted to replace it just because its finish is worn or rusted. It’s easy to give it a face-lift with one coat of Rust-Oleum BBQ & Stove paint. The tough black protective enamel renews and protects surfaces up to 1,200 degrees Fahrenheit and will keep grills looking good tailgate after tailgate. For more easy and inexpensive project ideas for cars, trucks and around the home, visit www.rustoleum.com

Using Government Resources To Grow Your Business (NAPSI)—Although capital access is a hurdle even for elite entrepreneurs and can dampen the growth of successful companies, some smaller firms are finding they can get the financing they need. To help educate entrepreneurs on available capital resources, the Initiative for a Competitive Inner City (ICIC) and the Staples Foundation have compiled a short guide for CEOs about federally funded capital access programs. • SBA 7(a) Loan Program: The SBA’s 7(a) loan program is the largest governmentbacked loan program for entrepreneurs and is designed to encourage lenders to work with companies they might otherwise consider too risky. The 7(a) loan program can help finance up to $5 million, which can be used to buy a business, for long-term working capital or to purchase equipment. Depending on the size of the loan, the SBA generally guarantees from 75 to 85 percent of the total loan amount. The caveat is that SBA loans can come with hefty fees—In a sense, the business owner is buying insurance on the loan. Such fees

currently start at 3.5 percent of the guaranteed amount of the loan and can be financed as part of the loan. Learn more at www.sba.gov. • Community Development Financial Institutions (CDFI): CDFIs are financial institutions that support the economic revitalization of low-income communities, including the businesses there. Banks, credit unions and venture funds may all be certified as CDFIs and use federal funds to invest in businesses or real estate, to make consumer loans or to provide other services in communities that lack them. Entrepreneurs who have worked with CDFIs describe the due diligence process as being more intensive than that used by most banks but often say they get a valuable mentoring relationship—in addition to cash—in return. The availability of CDFI financing varies greatly. You can learn about this resource at www.cdfifund.gov/. • New Markets Tax Credits (NMTC): This program is designed to encourage investment in low-income areas. Investments in qualifying projects can get a 39 percent

tax credit taken over seven years. More than $25 billion in tax credits has already been granted. NMTC money is chiefly used for real estate, with about 82 percent being used this way. Entrepreneurs of all kinds can also benefit from the program, using it to build new physical locations. For more information, visit www.icic.org


Bradford Journal Issue Oct. 6, 2011