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Business Journal NORTHEAST





FEBRUARY 2017 VOL. 32 NO. 2

Work, save, retire, then work some more The changing face of retirement

Men and Heart Health


By Dave Gardner

By 2020, one in four Americans will be 60 or older, and as these individuals face an unknown future with the specter of Social Security and Medicare changes, plus volatile markets and defined contribution pensions, shrewd retirement planning has never been more important. Christopher Scalese, president and founder of the Fortune Financial Group, explained that any scenario which seeks to produce the income needed for retirement must accept that a gap will exist between financial needs in retirement and Social Security/pension income. Inflation also must be considered, as well as the probability of change to the Social Security and Medicare systems. Retirement planning is an evolving scenario. Many baby boomers have generated personal debt because of live-for-today attitudes, thereby complicating conservative investment approaches which are preferable for older people. The Scalese retirement formula calls for 60 to 70 percent of investments to be made in fixed and guaranteed assets, with the remainder in marketbased products. Clients are expected to participate in investment decisions, although Scalese outsources these mechanics to the specialists at Fidelity investments who offer varying portfolios. “It’s important to match each client’s risk tolerance with a corresponding portfolio,” Scalese

Architects & Engineers

Penn College students pore over house plans SEE PAgE 28

said. “I expect that we will be doing an increasing amount of client hand holding, almost like a psychologist, to help them relax with the market’s ups and downs.” Financial education is increasingly vital for investors as market situations evolve and government regulation ebbs and flows, according to Lou Ingargiola, president of Ingargiola Wealth Management Group. His process for retirement planning involves an analysis of current assets and liabilities,

followed by a determination of the monetary costs needed just to awaken each day. In many scenarios the daily living costs are deemed excessive for retirement and a plan is then created for reduction. Northeast Pennsylvania has a surprising amount of retirement dollars and Ingargiola emphasizes to these prosperous clients that they must also have a “purpose” in retirement and stay active. He questions whether people, can continue in their careers, even part-time, until infirmity or death. Perhaps, above all, the reality is that intentions are not actions; if people save nothing they will have nothing to spend in retirement and they must become savers before becoming investors. Please see COVER STORY, Page 17

TS_CNG/NPBJ/PAGES [B01] | 02/01/17


Celebrating Women Entrepreneurs Finding therapy in Pure Suds SEE PAgE 37



Vol. 32, No. 2 • FEBRUARY 2017 149 PENN AVENUE ScRANtoN, PA 18503



the changing face of retirement

Racing minds don’t rest

The Northeast Pennsylvania Business Journal is a member of Times-Shamrock Publishing Division

EDITOR christine Fanning — ext. 5415 COnTRIbuTIng REpORTERs Dave Gardner, Kathy Ruff, Phil Yacuboski

Financial education is vital for investors as market situations and government regulations ebb and flow.

ADvERTIsIng sAlEs ExECuTIvE Judy S. Gregg — ext. 5425

FEATuREs Retirement ....................... 1, 9, 17 Elderly Care........................34, 35 Drug use and Addiction................ 5

Cng MAnAgIng EDITOR tom Graham — ext. 3492 Cng sAlEs MAnAgER Alice manley — ext. 9285


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Cardiac: Men & Heart Health ...32, 33 Dollars & sense ...............20-22, 38 Architects & Engineers .......... 27-31

ADvERTIsIng/subsCRIpTIOns (570) 207-9001 or (877) 584-3561 Fax: (570) 207-3448 pREss RElEAsEs/sTORY suggEsTIOns (570) 207-9001 or (877) 584-3561 Fax: (570) 207-3448 MAIlIng ADDREss: NPBJ Editorial Dept., 149 Penn Ave., Scranton, PA 18503 EDITORIAl E-MAIl ADDREss: COpYRIgHT

NPBJ is protected under the federal Copyright Act. Reproductions of any part by any means or facsimiles without the express written permission of the publisher are not permitted. Reprints of NPBJ articles are available. Northeast Pennsylvania Business Journal cannot be responsible for the return of unsolicited materials — manuscripts or photographs — with or without the inclusion of a stamped, self-addressed return envelope. Information in this publication is gathered from sources considered to be reliable, but the accuracy and completeness of the information cannot be guaranteed. No information expressed herein constitutes a solicitation for the purchase or sale of any securities. Northeast Pennsylvania Business Journal (ISSN 1078-5698) is published monthly except twice in the month of May by The Scranton Times from offices located at 149 Penn Ave., Scranton, PA. Periodicals postage paid at Scranton, PA. The Journal serves business owners, managers and professionals in a 10-county region. Subscriptions are available for $28 per year, $49 two years or $64 for three years. POSTMASTER: Send address changes to Northeast Pennsylvania Business Journal, 149 Penn Avenue, Scranton, Pa.18503.

REgIOnAl nEWs & FEATuREs Marketing ...................... 7, 12, 23 Regional ................................. 8 Healthcare ............................. 10 Economy....................... 11, 14, 16 Education .............................. 14 Your gateway to growth ............. 18 Manufacturing ........................ 26 Made in nEpA ......................... 36 Celebrating Women Entrepreneurs 37 small business spotlight ............ 37

ExECuTIvE suITE Marketing .............................. 38 Economic Development.............. 39 Heritage Tourism...................... 39

busInEss bullETIns For the Record .................... 43-47 personnel File..................... 40-42




The new Republican administration is taking giant steps to enact campaign promises. For those of us who are staring at Social Security and Medicare benefits in the next several years, the idea that cut-back adjustments will probably be made is unsettling. Some members in the under-50 crowd aren’t even including those benefits in their retirement plans. Many people say they will work a “bridge job” in retirement to bolster their savings and keep their bodies and minds young and active, but it may be that the new retirement will include keeping the full time job for a few more years. So, trying to stay healthy with exercise and a sensible, heart-healthy diet just for our bodies and the uncertain years ahead should be a new year’s resolution that will bode well for the future of the youngest and wisest (!) among us. Which reminds me: too much stress is a health risk. But, now I know how to battle it. I attended a meeting of the National Association of Women Business Owners Northeast PA (NAWBO) last month, where the guest speaker, Bernadette Kozlowski spoke on the benefits of meditation. Kozlowski is a certified meditation coach who left her teaching position, in biology, to practice and teach meditation. Her modern meditation, geared to stressed out business people, is not the kind you might think of, with monks chanting and people who attempt it, fighting to clear their

s u b s C R I p T I O n

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minds. The kind Kozlowski espouses has practitioners allowing themselves permission to rest and welcome thoughts. People who permit themselves this 15 minutes, or 30 minutes, or one hour, find a calm, peaceful mindfulness and over time a brain that is biologically changed, according to Kozlowski and some scientists. (See inspired-life/wp/2015/05/26/harvard-neuroscientist-meditation-not-only-reduces-stressit-literally-changes-your-brain/?) “Our bodies want to do this,” she said. And “the benefits in the workplace are real: sick days reduced, increased productivity, clarity and focus.” A feature on Kozlowski’s Racing Minds Meditation will appear in the next issue of the Business Journal, along with our Top 25 Women in Business. Next month’s Women in Business supplement will be the 16th year we will have featured the best and brightest among businesswomen in NEPA. They are nominated by friends, family, colleagues or themselves. Those chosen run the gamut of industries and are active in their communities and, importantly, mentor other women in their lives to be their own personal best. It’s heartwarming to read their features as interviewed and written by Jennifer Butler. It’s not too early to nominate a Top Woman for next year. Think about it when you allow yourself to rest. — Christine

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Marworth’s medical director named vice president of the American Society of Addiction Medicine Margaret Jarvis, M.D., medical director of Geisinger Marworth Treatment Center, has been elected vice president of the board of the American Society of Addiction Medicine (ASAM).

Board certified in psychiatry with a Certificate of Added Qualifications in Addiction Psychiatry, Jarvis’ experience in addiction medicine spans more than two decades.

She has served as secretary of ASAM, founded in 1954, is a ASAM’s board since 2012 and is a professional society representing more clinical assistant professor of psychiatry than 4,200 physicians, clinicians and at Penn State University College of associated professionals in the field of Jarvis Medicine in Hershey. addiction medicine. ASAM is dedicated to increasing access and improving the Jarvis finished her medical school, quality of addiction treatment, educating physipsychiatry residency and addiction medicine cians and the public, supporting research and fellowship at the Medical College of Virginia in prevention and promoting the appropriate role of Richmond. She is certified by the American Board physicians in the care of patients with addiction. of Addiction Medicine (ABAM). “I am honored to help lead an organization that advocates for the continued advancement of this important field — especially now, as addiction medicine emerges at the front lines of treating our nation’s largest public health crisis,” said Jarvis, who has served as medical director at Marworth since 1999.

She has been a member of ASAM since the early 1990s and became a distinguished fellow in 2003. She is a member of the finance committee and the constitution and bylaws committee. She has also worked on the examination committee for ABAM since 2000.

Study: opioids not helpful for chronic pain A new study by a pair of Geisinger Health System physicians reports that the use of opioid therapy to treat chronic pain is not only ineffective, it can actually increase the likelihood of more harmful consequences, including death. Palliative care physicians Mellar P. Davis, M.D., and Zankhana Mehta, M.D., authored the study which was published in the Dec. 2016 edition of Current Oncology Reports. “When patients are given opioid therapy for chronic pain, there is evidence it interferes with the body’s natural resolution of the pain,” said Davis, who co-chaired the 2015 International Conference on Opioids at Harvard Medical School. “Opioid therapy may put someone at an increased risk for multiple adverse effects and it has the potential of extending the history of their pain.” The authors wrote that the risk of addiction, depression, central hypogonadism — where the hypothalamus and pituitary glands don’t function properly — sleep-disordered breathing, impaired wound healing, infections, cognitive impairment, falls, fractures and death increase in patients on chronic opioid therapy. They acknowledge that the use of opioids has

been helpful in reducing the intensity of acute pain — sudden pain due to injury that doesn’t last long — and in managing pain associated with terminal cancer. But found that the promotion of opioid therapy to treat pain lasting more than three months, has been common practice without significant research to judge the safety of the practice. Davis said opioids have been over-prescribed by physicians because of limited treatment options. “There are not a lot of pain management centers providing a variety of effective, non-opioid and non-pharmacologic therapies,” he said. “We should be putting our efforts into developing more chronic pain rehabilitation programs versus making opioid packaging tamper-resistant to prevent the crushing, snorting and injecting of prescribed narcotics.” The management of chronic pain needs to be vastly different than the treatment of acute pain and they urge physicians to take into consideration the significant delayed side effects and adverse health consequences of opioids. “Opioids are not the answer,” Davis stressed. “Chronic pain rehabilitation, exercise, cognitive behavioral therapies, acupuncture, yoga or tai chi are all better options.”




Jarvis is a member of the Society for the Advancement of Sexual Health (SASH), a professional organization of therapists who treat sexual addiction and served as president from 2004 to 2006. She received the Merit award from SASH in 2011. About Geisinger Marworth Treatment Center An entity of the Geisinger Health System, Geisinger Marworth Treatment Center provides inpatient and outpatient rehabilitation services for those struggling with addiction. Located on a campus in Waverly, Geisinger Marworth involves the family and also offers specialized programs for healthcare and uniformed professionals. If you or someone you know needs help, call 800-442-7722 to make admissions arrangements. Visit Geisinger Marworth online at

ProvenExperience. As one of the nation’s largest health service organizations, Geisinger serves more than 3 million residents throughout 45 counties in central, south-central and NEPA, and also in southern New Jersey at AtlantiCare, a Malcolm Baldrige National Quality Award recipient. In 2017, the Geisinger Commonwealth School of Medicine became the newest member of the Geisinger Family. The physician-led system is comprised of approximately 30,000 employees, including nearly 1,600 employed physicians, 12 hospital campuses, two research centers, and a 551,000-member health plan, all of which leverage an estimated $10.5 billion positive impact on the Pennsylvania and New Jersey economies.

Geisinger has repeatedly garnered national accolades for integration, quality and service. In adGeisinger Health System is an integrated health dition to fulfilling its patient care mission, Geisinger services organization widely recognized for its has a long-standing commitment to medical educainnovative use of the electronic health record and tion, research and community service. For more the development of innovative care delivery models information, visit, or connect with us such as ProvenHealth Navigator, ProvenCare and on Facebook, Instagram, LinkedIn and Twitter.

A good sign on opioid front The following is a statement from Charles Cutler, M.D., president of the Pennsylvania Medical Society and a practicing physician in Montgomery County. He reacts to news from an insurance company that reimbursements for opioid prescriptions have decreased.

role in Highmark’s data. We hope similar data from other insurers will show the same positive progress being made. Data on this issue needs to be more widely shared and analyzed.

“In 2012, the Pennsylvania Medical Society launched its first public campaign to push the Commonwealth to build a controlled substance database that physicians could access to better handle doctor shopping. That project became reality during the closing months of 2016 when Pennsylvania’s Prescription Drug Monitoring Program went live for the first time.

needed to help those facing addictions. And, we need to continue to get the word out that when it comes to opioids, please be smart, be safe, and be sure.”

“We also should applaud the ongoing continuing medical education that’s now in place as well as opioid prescribing guidelines that have been “As reported by several news agencies, Highmark recently announced opioid prescription developed by the Pennsylvania Medical Society reimbursements for those insured in Pennsylvania and the Pennsylvania Department of Health. There’s no one silver bullet, and they all are makdecreased during the last three months of 2016 ing a difference. compared to the first nine months of the year. The decrease is worth noting — from a high that “But, there’s still work to do and we shouldn’t reached slightly above 118,000 dropping to just rest. Leftover medications need to be properly below 108,000. disposed of. Better funding and resources are

“I have no doubt that the PDMP played a

The Pennsylvania Medical Society was founded in 1848. To learn more about PAMED, visit its web site at or follow on Twitter @PAMEDSociety. Members of the media are encouraged to follow Chuck Moran on Twitter @ChuckMoran7. Dr. Cutler can be followed on Twitter via @PAMEDPrez.


Understanding drug use and addiction Most drugs affect the brain’s “reward circuit” by flooding it with the chemical messenger dopamine. This reward system controls the body’s ability to feel pleasure and motivates a person to repeat behaviors needed to thrive, such as eating and spending time with loved ones. This overstimulation of the reward circuit causes the intensely pleasurable “high” that can lead people to take a drug again and again. Many people don’t understand why or how other people become addicted to drugs. They may mistakenly think that those who use drugs lack moral principles or willpower and that they could stop their drug use simply by choosing to. In reality, drug addiction is a complex disease, and quitting usually takes more than good intentions or a strong will. Drugs change the brain in ways that make quitting hard, even for those who want to. Fortunately, researchers know more than ever about how drugs affect the brain and have found treatments that can help people recover from drug addiction and lead productive lives. What Is drug addiction? Addiction is a chronic disease characterized by drug seeking and use that is compulsive, or difficult to control, despite harmful consequences. The initial decision to take drugs is voluntary for most people, but repeated drug use can lead to brain changes that challenge an addicted person’s self-control and interfere with their ability to resist intense urges to take drugs. These brain changes can be persistent, which is why drug addiction is considered a “relapsing” disease — people in recovery from drug use disorders are at increased risk for returning to drug use even after years of not taking the drug. It’s common for a person to relapse, but relapse doesn’t mean that treatment doesn’t work. As with other chronic health conditions, treatment should be ongoing and should be adjusted based on how the patient responds. Treatment plans need to be reviewed often and modified to fit the patient’s changing needs.

What happens to the brain when a person takes drugs? Most drugs affect the brain’s “reward circuit” by flooding it with the chemical messenger dopamine. This reward system controls the body’s ability to feel pleasure and motivates a person to repeat behaviors needed to thrive, such as eating and spending time with loved ones. This overstimulation of the reward circuit causes the intensely pleasurable “high” that can lead people to take a drug again and again.

As a person continues to use drugs, the brain adjusts to the excess dopamine by making less of it and/or reducing the ability of cells in the reward circuit to respond to it. This reduces the high that the person feels compared to the high they felt when first taking the drug — an effect known as tolerance. They might take more of the drug, trying to achieve the same dopamine high. It can also cause them to get less pleasure from other things they once enjoyed, like food or social activities. Long-term use also causes changes in other brain chemical systems and circuits as well, affecting functions that include: • learning; • judgment; • decision-making; • stress; • memory; and • behavior. Despite being aware of these harmful outcomes, many people who use drugs continue to take them, which is the nature of addiction. Why do some people become addicted to drugs while others don’t? No one factor can predict if a person will become addicted to drugs. A combination of factors influences risk for addiction. The more risk factors a person has, the greater the chance that taking drugs can lead to addiction. For example: Biology. The genes that people are born with account for about half of a person’s risk for addic-

each patient’s drug use patterns and any co-occurring medical, mental and social problems can lead to continued recovery. More good news is that drug use and addiction are preventable. Results from NIDA-funded research have shown that prevention programs involving families, schools, communities and the media are effective for preventing or reducing drug use and addiction. Although personal events and cultural factors affect drug use trends, when young people view drug use as harmful, they tend to decrease their drug taking. Therefore, education and outreach are key in helping people understand the possible risks of drug use. Teachers, parents and health care providers have crucial roles in educating young people and preventing drug use and addiction.

tion. Gender, ethnicity and the presence of other mental disorders may also influence risk for drug use and addiction. Environment. A person’s environment includes Source: National Institute on Drug Abuse; National Institutes of Health; U.S. Department of Health and many different influences, from family and friends Human Services. to economic status and general quality of life. Factors such as peer pressure, physical and sexual abuse, early exposure to drugs, stress, and parental guidance can greatly affect a person’s likelihood of Drug addiction is a chronic disease drug use and addiction. characterized by drug seeking and use that is Development. Genetic and environmental faccompulsive, or difficult to control, despite harmtors interact with critical developmental stages in a ful consequences. person’s life to affect addiction risk. Although taking Brain changes that occur over time with drug drugs at any age can lead to addiction, the earlier use challenge an addicted person’s self-control that drug use begins, the more likely it will progress and interfere with their ability to resist intense to addiction. This is particularly problematic for urges to take drugs. This is why drug addiction teens. Because areas in their brains that control is also a relapsing disease. decision-making, judgment and self-control are still Relapse is the return to drug use after an developing, teens may be especially prone to risky attempt to stop. Relapse indicates the need for behaviors, including trying drugs. more or different treatment. Most drugs affect the brain’s reward circuit Can drug addiction be cured or prevented? by flooding it with the chemical messenger As with most other chronic diseases, such as dopamine. This overstimulation of the reward diabetes, asthma, or heart disease, treatment for circuit causes the intensely pleasurable “high” drug addiction generally isn’t a cure. However, that leads people to take a drug again and again. addiction is treatable and can be successfully manOver time, the brain adjusts to the excess aged. People who are recovering from an addiction dopamine, which reduces the high that the will be at risk for relapse for years and possibly for person feels compared to the high they felt when their whole lives. Research shows that combinfirst taking the drug—an effect known as tolering addiction treatment medicines with behavioral ance. They might take more of the drug, trying to therapy ensures the best chance of success for achieve the same dopamine high. most patients. Treatment approaches tailored to

Points to Remember




Bill would remove conflicts of interest

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The Presidential Conflicts of Interest Act of 2017 would require all presidents, vice presidents and certain family members to divest from their financial holdings in order to ensure that the nation’s leaders serve the public interest first and not their business interests. U.S. Senator Bob Casey (D-PA), joined by 23 senators, announced last month he is co-sponsoring new legislation, the Presidential Conflicts of Interest Act of 2017, that would require President Donald Trump to remove all conflicts of interest. Mounting independent reports show that President Trump is facing a web of entanglements even as he refuses to follow the bipartisan tradition set by past presidents of removing financial conflicts of interest. The Casey-backed bill would require all presidents, vice presidents and certain family members to divest from their financial holdings in order to ensure that the nation’s leaders serve the public interest first and not their business interests. A group of bipartisan ethics experts, including the Office of Government Ethics, former Obama ethics lawyer Norm Eisen and former Bush ethics lawyer Richard Painter have said that divestment is the only way to ensure that major corporations, including foreign governments, do not hold any leverage over a president. “President Trump’s conflicts of interests are unprecedented and for the good of our nation he must divest himself from his businesses.” Casey said. “The American people deserve to know that their president is acting in their best interest and not for the benefit of his business interests. Unless President Trump divests, the American people will have no way of knowing where the Trump organization ends and the Trump administration begins.” The New York Times has reported that President Trump intends to retain a financial stake in the Trump organization while he is president and has also found that Trump owes hundreds of millions of dollars to other entities, including the Bank of China. A new report by the Wall Street Journal shows that Trump’s debt is held by major corporations including J.P. Morgan Chase and Wells Fargo. The Casey-backed legislation would also require sitting presidents and presidential nominees to publicly release their tax returns and prohibit presidential appointees from participating in matters involving potential financial conflicts of interest for the president.


Supporting a local charity makes good business sense It’s not unusual for a business to support the community in which it’s located and where its employees and associates live and work. As such, most companies will make a donation to a local charity, support a community organization during the holidays or hold an office fundraiser in support of a deserving cause. All these activities are very admirable, however, what if a business decided to support a local charity by doing more, by taking their commitment to their community one step further and offering their professional services to a local charity at no cost? This is exactly what the team at Ideaworks Marketing, based in Wyoming, Luzerne County, decided to do in support of Blue Chip Farm Animal Refuge, a no-kill animal shelter in Dallas. The Ideaworks and Blue Chip partnership kicked off in November 2015 when Ideaworks relocated to its new office in Wyoming. At the open house, Ideaworks’ owners Peter and Judy Steve decided to make a $500 donation to Blue Chip in honor of Ideaworks’ grand opening and in recognition of the great work Blue Chip does in the area. During the

event, Judy learned more about the organization’s need for marketing support from Cordie Braun, Blue Chip’s fund raising director. The entire Ideaworks team got on board to support Blue Chip and the work the organization does to provide care, comfort and safety to all animals, including finding many of them forever homes. Since the relationship started, Ideaworks has provided Blue Chip with full marketing support, including developing and implementing a new brand identity, an updated website, a full program of e-mail and media marketing outreach and creating ancillary collateral and signage to support the organization’s fundraising efforts. Ideaworks also provides social media support through artwork creation and campaign management, including the launch of Blue Chip’s two campaigns: Adopt-a-Kennel and Legacy of Love. According to Judy Steve, “The relationship with Blue Chip over the past year has been fantastic. Not only are they appreciative of the support we provide, but they go out of their way to promote our agency and the great work we do. On top of




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that, our entire team is thrilled to support such a deserving organization like Blue Chip.” Steve said the relationship benefits the charity and has many advantages for Ideaworks including: • Recognition in the community that Ideaworks supports a deserving organization, one that is of particular importance to younger generations; A group of Ideaworks employees and their children volunteered at • Increased employee the Legacy of Love memory wall unveiling event in Nov. 2016. From morale for being a part of a left: David Shrader; Donna Shrader, chief creative officer; Judy Steve, Ideaworks owner; Viola Sutton; McKenize Kupchik, marketing company that cares; • Team building to work communications director; and Rachael Baratta, graphic designer. on initiatives that make the • Gaining exposure for new business leads. community better; Perhaps 2017 is the right time to rethink your • Connecting Ideaworks with other community businesses and leaders (who may do business with social responsibility approach and search for opportunities to impact your community, business the agency); and and employees as well.



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Save the date 15th annual Business Plan Competition Awards Dinner

Join TecBridge to celebrate regional entrepreneurship at the awards dinner. Attendees will select the Wild Card winner through crowdsourcing votes.The awards dinner will be held at the Mohegan Sun at Pocono Downs Hotel and Convention Center, Thursday April 27, 2017, 5 to 8:30 p.m. Visit Following are preliminary event dates.

Feb 1 Registration Opens Feb 22 Help Session #1 March 17 Registration Closes March 21 Help Session #2 April 4 Submissions Due April 12 Finalists Selected April 18 Presentations April 27 Awards Dinner

Upcoming Special Editions! • NEPA’s Top 25 Women in Business

Publishing: March • Ad Deadline: February 15

• Spring Healthcare Update

Publishing: April • Ad Deadline: March 15

• Health Focus: Stroke

Publishing: May • Ad Deadline: April 17


Executive Spotlight

Publishing: May • Ad Deadline: April 17 Publishing: May • Ad Deadline: April 17 Contact Judy Gregg today for advertising information! 570-207-9001 ext. 5425 •

The Region’s Award-Winning Source of Business News & Information • A Times-Shamrock Publication

149 Penn Avenue • Scranton, PA 18503 • 75 N. Washington Street • Wilkes-Barre, PA 18711 570-207-9001 • 877-584-3561





United Gilsonite Laboratories celebrates 85 years

James Tates, chief executive officer. 2017 marks 85 years of quality and progress for United Gilsonite Laboratories (UGL®), a Scranton-based manufacturer of specialty paint and home maintenance products. In 1932, Gerald Payne, UGL’s founder and chairman of the board, made a commitment to provide “Quality Products, Responsible Advertising and Fair Business Practices.” Since that time, many things at UGL have changed. New products have been added, existing facilities have been expanded and new ones built. Through it all, dedication to making quality products for the care and repair of homes and businesses have remained at the heart of the company’s development. That commitment remains the cornerstone of the UGL philosophy progressing through the 2000’s and beyond. In 1932, Payne established UGL, which originally manufactured roof coating, roof cement, furnace cement, stove lining and patching plaster. He handmade batches of his product and delivered them to various job sites. The business was successful, using up 50 carloads of asphalt shingles in the first year, with sales totaling $24,502. Today, United Gilsonite Laboratories manufactures more than 80 paint specialty and home maintenance products. Product lines include ZAR® wood finishes, DRYLOK® masonry products, ZAR® Exterior Deck and Siding stains and UGL® -brand caulks and sealants. The company’s products are sold nationally and internationally at

hardware stores, paint stores, home centers and lumberyards. There are more than 100 full-time employees at UGL®, staffing the headquarters and manufacturing plant in Scranton; manufacturing facilities in Jacksonville, Illinois; Dayton, Nevada and Jackson, Mississippi and in sales capacities nationwide. “UGL’s story starts with an unwavering entrepreneurial spirit an essence that still drives our company today,” said James Tates, chief executive officer. “Gerald B. Payne started our company as a small, family-owned, paint specialty manufacturer, during hard economic times. His son-in-law, Malcolm MacKinnon, grew the company exponentially over the years, Thomas R. White brought us through some of the most challenging years and now I have the opportunity to carry on a family legacy.” Tates said. “With a commitment to our core values of quality products, entrepreneurial spirit, teamwork, and integrity, our employees have a personal stake in the success of our customers, our work and the future of our organization. They are an amazing and inspiring group of people, and I consider it an honor to work with them each and every day,” Tates said. With energy and a defined purpose, United Gilsonite Laboratories brings strong leadership and dedicated workers to the company that constantly strives to be a leader in the paint and home improvement industry. At 85 years, UGL stands ready to meet the challenges of tomorrow.


Retirement through the ages By Dave Gardner

For Stephanie Longo, 35, director of communications and marketing with the Greater Scranton Chamber of Commerce, it’s all a matter of timing and priorities. Longo, who has earned double bachelor’s and master’s degrees, is a member of the X-Y generation and does participate in retirement planning. She recognizes that her golden years are a long way off, with at least 30 years yet to work and also claims she will never fully retire because she loves to be active. Retirement questions are familiar to many members of the X-Y generation, who are 30 to 55 years old. She has quality 401(k) plans from various jobs she’s held and she contributes to them regularly. However, Longo also must deal with a mountain of crushing student loan debt which easily tops $100,000. In addition, she is interested in earning a doctoral degree and realizes this will further add to her debt. “I would rather pay off my student debt than save for retirement,” Longo said. “Overall, I do feel a bit on edge with the future and prospects with retirement and I understand the need for Social Security reform, but there are a lot of political unknowns right now.” Longo’s retirement planning stands in stark contrast with that of the nation’s millennials, who are now averaging a minus-two percent in monetary savings. Retirement planners say that as a group these individuals are largely resistant to participation in investing and instead crave immediate gratification, experiences over possessions and avoid financial commitment.

Frugal future? Christopher Scalese, president and founder of Fortune Financial Group, noticed his Generation X-Y clients are aware of the need for retirement planning, but they also voice skepticism that Social Security will survive in its current form to serve them. They believe a more frugal program will probably be available, which makes private preparation for retirement especially crucial. Most of Scalese’s baby boomer clients, 55 and above, are somewhat prepared. Many average $300,000 to $500,000 in savings and only need to put in place a final piece of the retirement puzzle to live well in the years ahead. “A lot of these folks are expecting CD interest

Debt reduction Joseph Jennings, wealth director of PNC Financial Services Group, acknowledges that many X-Y workers need a strategy to deal with upcoming college costs while also reducing massive debt they have assumed. For these people retirement planning is more about process versus investment products and while their careers may not yet have peaked, a strict budget focus has become vital. Retirement plans must therefore must include focus without distraction. Appropriate risk assumption and concerns with what can be controlled are key. “Yes, it’s very hard for an investor not to overreact when a market drops, but successful investing must remove emotion and take a long-term view,” Jennings said. “This is also true for the boomers, even though time is not on their side.” Retirees should aim for a target of spending 30 percent less in retirement than during the working years, said Lynn Evans, president and CEO of The boomers usually are either very prepared for Northeastern Financial Consultants. This sits well rates to rise and fatten their accounts with cash,” retirement, or not at all. Many will wind up having to with the boomers who, Evans said, as a group are Scalese said. “They believe high interest rates we continue working after 65 due to high debt levels if once had were the norm, but I am forced to tell about 50 percent prepared to leave the workplace, they are physically capable and they also realize they with the rest in deep trouble and time running out. them that those rates were a once-in-100-years have scant time available to make up lost ground. event due to the high inflation of that era.” Many of these boomers will continue with some Generation X-Y members tend to repeat the “Asset allocation and diversification for all of form of employment, but Evans follows a prime diretirement actions of their parents, according to the generations, in my opinion, involves looking rective of never issuing personal forecasts for more Lou Ingargiola, president of Ingargiola Wealth for under-valued situations,” Ingargiola said. “All than five years after retirement starts. This is her Management Group. The X-Y’s also must deal with investors, no matter their age or situation, should policy because a host of unknowns such as health crushing college costs and usually realize they will put all of their eggs in one basket and it’s quite and family issues, market conditions, plus the have to work longer and harder than the boomers if common for many investors to need help with future of Medicare, Medicaid and Social Security, they are to prosper. their buying decisions.” are complete unknowns. “Making accurate predictions more than five years into the future is just impossible,” Evans said. “If a retiree makes it that far, they’re probably going to be OK financially.” retirement or a down payment on a home, as Average student loan debt costs more than a As many as 70 percent of Evans’ X-Y acquainwell as having less disposable income for other small luxury car, dozens of vacations and more tances are actively participating in 401(k) plans aspects of life, from buying a car or setting aside than half of a child’s college savings without griping and Evans believes this compliance money for their child’s college to eating out a Having a college degree pays off in higher is partly the result of that generation never really couple nights a week, heading to a show or even lifetime earnings overall, with young adults, experiencing the old defined benefit pension plans taking a vacation. Unfortunately, many borrowers 25-34, holding a bachelor’s degree, earning a of their parents’ era. The X-Y gang are also savers don’t realize what student loans will actually cost median salary of $48,500 in 2013, according who put away approximately three to five percent until they’re already in debt and having to make to the National Center for Education Statistics, monthly payments for 10, 20 or even 25 years. of their income, but also like to spend and deal with compared to $30,000 for those with just a high A recent report by EdAssist reveals that 58 hefty mortgages as well as the prospect of crushing school diploma or GED or $37,500 for those with percent of college graduates with student loan college costs for their children. an associate’s degree. debt would give up buying a new car, 59 percent “The X-Y generation is aware of their mortality However, when college degrees are paid would give up a vacation and 46 percent would and often angry about the Medicare and Social Secufor with student loans, the benefits of earning a sacrifice saving for their future in order to get rid rity outlooks,” Evans said. “They frequently ask us not higher income are less, since graduates must of their student loan debt. to include Social Security in retirement projections.” use part of that income to pay off their debt. This Source: means diverting money away from savings for

Student loans pay off but cost in retirement




Cancer prevention: 7 tips to reduce your risk

You’ve probably heard conflicting reports about cancer prevention. Sometimes the specific cancerprevention tip recommended in one study or news report is advised against in another. In many cases, what is known about cancer prevention is still evolving. However, it’s well-accepted that your chances of developing cancer are affected by the lifestyle choices you make. So if you’re concerned about cancer prevention, take comfort in the fact that some simple lifestyle changes can make a big difference. Consider these seven cancer prevention tips.

Avoiding tobacco — or deciding to stop using it — is one of the most important health decisions you can make. It’s also an important part of cancer prevention. If you need help quitting tobacco, ask your doctor about stop-smoking products and other strategies for quitting.

2. Eat a healthy diet • Although making healthy selections at the grocery store and at mealtime can’t guarantee cancer prevention, it might help reduce your risk. Consider these guidelines: • Eat plenty of fruits and vegetables. Base your diet on fruits, vegetables and other foods from plant 1. Don’t use tobacco Using any type of tobacco puts you on a collision sources — such as whole grains and beans. • Avoid obesity. Eat lighter and leaner by chooscourse with cancer. Smoking has been linked to various types of cancer — including cancer of the lung, ing fewer high-calorie foods, including refined mouth, throat, larynx, pancreas, bladder, cervix and sugars and fat from animal sources. • If you choose to drink alcohol, do so only in kidney. Chewing tobacco has been linked to cancer moderation. The risk of various types of cancer — of the oral cavity and pancreas. Even if you don’t use tobacco, exposure to secondhand smoke might including cancer of the breast, colon, lung, kidney and liver — increases with the amount of alcohol increase your risk of lung cancer.


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Christopher A. Peters, MD

Meghan Haggerty, MD

1110 Meade Street, Dunmore, Pennsylvania


Madhava Baikadi, MD




you drink and the length of time you’ve been drinking regularly. • Limit processed meats. A report from the International Agency for Research on Cancer, the cancer agency of the World Health Organization, concluded that eating large amounts of processed meat can slightly increase the risk of certain types of cancer. In addition, women who eat a Mediterranean diet supplemented with extra-virgin olive oil and mixed nuts might have a reduced risk of breast cancer. The Mediterranean diet focuses on mostly on plantbased foods, such as fruits and vegetables, whole grains, legumes and nuts. 3. Maintain a healthy weight and be physically active Maintaining a healthy weight might lower the risk of cancer of the breast, prostate, lung, colon and kidney. Physical activity counts, too. In addition to helping you control your weight, physical activity on its own might lower the risk of breast cancer and colon cancer. Adults who participate in any amount of physical activity gain some health benefits. But for substantial health benefits, strive to get at least 150 minutes a week of moderate aerobic activity or 75 minutes a week of vigorous aerobic physical activity. You can also do a combination of moderate and vigorous activity. As a general goal, include at least 30 minutes of physical activity in your daily routine

5. Get immunized Cancer prevention includes protection from certain viral infections. Talk to your doctor about immunization against: • Hepatitis B. can increase the risk of developing liver cancer. The hepatitis B vaccine is recommended for certain high-risk adults — such as adults who are sexually active but not in a mutually monogamous relationship, people with sexually transmitted infections, intravenous drug users, men who have sex with men and health care or public safety workers who might be exposed to infected blood or body fluids. Human papillomavirus (HPV). HPV is a sexually transmitted virus that can lead to cervical and other genital cancers as well as squamous cell cancers of the head and neck. The HPV vaccine is recommended for girls and boys ages 11 and 12. It is also available to both men and women age 26 or younger who didn’t have the vaccine as adolescents.

6. Avoid risky behaviors Another effective cancer prevention tactic is to avoid risky behaviors that can lead to infections that, in turn, might increase the risk of cancer. For example: • Practice safe sex. Limit your number of sexual partners, and use a condom when you have sex. The more sexual partners you have in your lifetime, the more likely you are to contract a sexually transmitted infection — such as HIV or HPV. People who have HIV or AIDS have a higher risk of cancer of the anus, liver and lung. HPV is most 4. Protect yourself from the sun often associated with cervical cancer, but it might Skin cancer is one of the most common kinds also increase the risk of cancer of the anus, penis, of cancer — and one of the most preventable. Try throat, vulva and vagina. these tips: • Don’t share needles. Sharing needles with an • Avoid midday sun. Stay out of the sun between infected drug user can lead to HIV, as well as hepa10 a.m. and 4 p.m., when the sun’s rays are titis B and hepatitis C — which can increase the strongest. When you’re outdoors, stay in the shade risk of liver cancer. If you’re concerned about drug as much as possible. Sunglasses and a broadabuse or addiction, seek professional help. brimmed hat help too. • Cover exposed areas. Wear tightly woven, 7. Get regular medical care loose-fitting clothing that covers as much of your Regular self-exams and screenings for various skin as possible. Opt for bright or dark colors, which types of cancers — such as cancer of the skin, coreflect more ultraviolet radiation than pastels or lon, cervix and breast — can increase your chances bleached cotton. of discovering cancer early, when treatment is most • Don’t skimp on sunscreen. Use generous likely to be successful. Ask your doctor about the amounts and reapply often when outdoors. best cancer screening schedule for you. • Avoid tanning beds and sunlamps. These are Take cancer prevention into your own hands, just as damaging as natural sunlight. starting today. The rewards will last a lifetime. Source: Mayo Clinic


Immigrants add vibrancy to region By John L. Moore

In 2000, there were 508,291 Pennsylvania residents who were foreign-born, but by 2014 the number of Pennsylvanians born outside the United States had increased dramatically — to 821,700. Obtained from the Migration Policy Institute, Washington, D.C., the figures show a rise of nearly 62 percent over a 14-year period. To be sure, the number of Pennsylvanians born in the U.S. is also growing, but at a much slower rate — from 11.8 million in 2000 to slightly more than 11.9 million residents in 2014. Although statistics weren’t immediately available, “there’s been a major increase in different ethnicities” coming to Northeast Pennsylvania, according to Teri Ooms, executive director of the Institute for Public Policy & Economic Development, Wilkes-Barre. That’s a good things because “the more diversity we bring into the region, the better off we are,” Ooms said.

Immigrants tend to bring new ideas and new ways of doing things with them. “We’ve noticed that these various cultures are bringing unique things with them,” she said. “In my mind that makes the region more vibrant.” For instance, “Hispanics tend to be entrepreneurial and are opening restaurants and shops,” Ooms said. Robert Durkin, president of the Greater Scranton Chamber of Commerce, agreed that the region is attracting immigrants. “I can’t cite numbers, but there are immigrant populations working in a number of fields,” Durkin said. “The chamber’s work plan calls for the organization to explore ways “to connect with various constituencies,” Durkin said. He added that the chamber primarily is a business entity and “the need for this organization is to be inclusive.” “The challenge that we find right now is to find a way for the business community to make the connection with the various minorities,” he said.

One way is by learning about other cultures. “I was just at a Congolese dinner,” Durkin said. “It was really great.” At the policy institute, Ooms remarked that “the potential for growth in immigration is probably high.” Everybody is aware of various pockets of Hispanics and Latinos that have spring up in Scranton, Wilkes-Barre and Hazleton in recent decades. In the beginning, many of the Latinos came to Northeast Pennsylvania from New York City and Philadelphia. When “they found they could have a decent quality of life,” they encouraged relatives from Central and South America to join them, Ooms said. The Latinos come from a variety of countries including the Dominican Republic. Ooms reported that NEPA has also seen the arrival of “a small number of Bhutanese” from the South Asian nation of Bhutan, sandwiched between India and China. There are also groups of Hindus and Gujerati from India. “Many of them came after living in the

New York metropolitan area for a while.” These included engineers, who relocated when logistic and distribution centers were built in the region. There are also Russian immigrants. “That group came here directly from Russia.” At the Scranton chamber, “We need to embrace all constituencies, and over time we have to get into those communities and see where we can help each other,” Durkin said. He noted that “assimilation takes time.” Nationally, “documented immigrants certainly should be welcome,” he said. “We’re a nation of immigrants,” Durkin said. “The way the Irish were treated wasn’t very appealing. … We need to take lessons from our forefathers and do better at it.” Regarding Illegal immigrants, Durkin said, “The situation needs to be addressed,” but “you have to change these things realistically.” Efforts to reach Wico van Genderen, president and chief executive officer of the Greater WilkesBarre Chamber of Commerce were unsuccessful.

Facts about unauthorized immigration in PA, US Between 2009 to 2014, the number of unauthorized immigrants increased in Pennsylvania and five other states: Louisiana, Massachusetts, New Jersey, Virginia and Washington. In 2014, there were 180,000 unauthorized immigrants in Pennsylvania, an increase of 50,000 over 2009. A rising share of unauthorized immigrants have lived in the U.S. for at least a decade. About two-thirds (66 percent) of adults in 2014 had been in the U.S. at least that long, compared with 41 percent in 2005. There were 11.1 million unauthorized immigrants in the U.S. in 2014, a total unchanged from 2009 and accounting for 3.5 percent of the nation’s population. The number of unauthorized immigrants peaked in 2007 at 12.2 million, when this group was 4 percent of the U.S. population. The U.S. civilian workforce included

8 million unauthorized immigrants in 2014, accounting for 5 percent of those who were working or were unemployed and looking for work. The number was unchanged from 2009 and down slightly from 8.2 million in 2007. Mexicans made up 52 percent of all unauthorized immigrants in 2014, though their numbers had been declining in recent years. There were 5.8 million Mexican unauthorized immigrants living in the U.S. that year, down from 6.4 million in 2009, according to the latest Pew Research Center estimates. Meanwhile, the number of unauthorized immigrants from nations other than Mexico grew by 325,000 since 2009, to an estimated 5.3 million in 2014. Populations went up most for unauthorized immigrants from Asia and Central America. This data was posted Nov. 3, 2016. Source: Pew Research Center



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Yuengling’s ice cream exclusive at Coca Cola Park family-owned business dating back to 1920. The Yuengling’s Ice Cream Corp., based in Orwigsburg, Schuylkill County has signed a three- 21 flavors of its super-premium ice cream are koyear marketing partnership sher, PA Preferred, and adhere with the Lehigh Valley Iron to the highest standards. Ever Pigs naming Yuengling’s Ice mindful of the community, Cream the exclusive handthe company donates at least scoop ice cream product at three percent of its profits the Lehigh Valley minor league to charitable organizations. baseball stadium. For more information about Yuengling’s Ice Cream and for While many expect to buy a store locator, visityuenglinghot dogs and peanuts at a ball game, the Lehigh Valley Since its 2014 re-launch, IronPigs have transformed the Yuengling’s Ice Cream has all-American game into a true seen record growth. Inidining experience. Known for tially selling out its first three its array of unique appetizers, months’ supply in just two foods, and desserts, Coca-Cola weeks due to high demand, Park is the perfect home for the company surpassed its super premium Yuengling’s Ice three-year sales goals in its Cream said Chris Kobela, manfirst year back on the market. ager, corporate partnerships at In its first two years since Lehigh Valley IronPigs. returning to grocery store “Yuengling’s Ice Cream is shelves, national syndicated a great addition to our dining data confirmed that the brand options at Coca-Cola Park that is up 110 percent in dollar our fans will love,” Kobela said. sales over the prior year. The “We think this partnership is a super-premium ice cream is home run.” Established in 1920, now available in 22 states from Yuengling’s Ice Cream Ohio and West Virginia in the Since its 2014 re-launch, west, to Maine, Massachucreates 21 flavors of its Yuengling’s Ice Cream super-premium ice cream, setts and Vermont in the all of which are kosher, PA has seen record growth. east, and Georgia and the Preferred, and adhere to the Carolinas in the south. Initially selling out its highest standards. Baseball The Lehigh Valley first three months’ supply IronPigs are the Triple-A fans will be able to try 10 in just two weeks due to affiliate of the Philadelphia different flavors at the stahigh demand, the company Phillies and the only Minor dium, including Yuengling’s Ice Cream classics such surpassed its three-year League franchise to surpass as Black & Tan, Root Beer sales goals in its first year 600,000 fans in attenFloat, Peanut Butter Cup, and dance each of the last nine back on the market. award-winning Vanilla. seasons. Coca-Cola Park “There’s nothing better has been among the most than enjoying an ice cream cone at a baseball acclaimed venues in professional sports since its game.” said David Yuengling, president of 2008 opening, receiving numerous honors and Yuengling’s Ice Cream. “We are excited to work distinctions, including Ballpark Digest’s “Ballpark with the IronPigs and serve Lehigh Valley families of the Year” award and “Best Game Operations and our premium ice cream.” Presentation” award as chosen by About Yuengling’s Ice Cream It has also drawn rave reviews for its intimacy, fanYuengling’s Ice Cream, based in NEPA, is a friendly atmosphere and architectural design.





Ben Franklin describes work in incubation The Ben Franklin Technology Partners of Northeastern Pennsylvania (BFTP/NEP) has posted its new 2016 annual report at nep.benfranklin. org. Entitled Incubating Incubation, the report describes Ben Franklin’s work in business incubation both in owning and managing two NEPA incubators and in its leadership of the Ben Franklin Business Incubator Network. The report also lists all Ben Franklin client investments of the year. A national trailblazer, BFTP/NEP opened one of the nation’s first business incubators in 1983. That incubator has grown to Ben Franklin TechVentures®, a two-time winner of the International Business Innovation Association (InNBIA) Incubator of the Year award. TechVentures is currently in the midst of its second facility expansion, necessitated by burgeoning demand. Forty-one firms, employing more than 170 people, are currently located in Ben Franklin TechVentures. Since 1983, Ben Franklin’s incubator has graduated 64 successful companies, together grossing more than $1.2 billion in recurring annual revenue and creating more than 6,400 jobs.

In addition, Ben Franklin owns and manages the Bloomsburg Regional Technology Center in Bloomsburg. The location of this incubator near Bloomsburg University affords it the advantages of proximity to a university that TechVentures resident companies also receive from Lehigh University: ready access to the university’s equipment, faculty, and students. BFTP/NEP also leads the Ben Franklin Business Incubator Network, which is among the largest such networks in the U.S. In the early 1990s, BFTP/ NEP developed and seed funded this network that brings together incubator managers to exchange ideas and information, work collaboratively and share guidelines that are in accordance with InBIA standards. The network recently added four new members, with a new total membership of 15. The BFTP/NEP annual report was designed in collaboration with Gipson Studio LLC, Orefield, and printed by Christmas City Printing, Bethlehem. Individuals interested in a printed copy of the annual report can request one at info@nep. or by calling 610-758-5200.

Open House LCCC Scranton Center February 22, 2017 5:00- 7:00 pm

Now accepting applications for Fall semester! Scranton Center on the second �oor of the Marketplace at Steamtown, downtown Scranton




Misericordia University to introduce B.S. degree program in statistics

The Department of Mathematics and Computer real-world problems in business, engineering, health care and many other fields. They work in Science at Misericordia University is introducing the fields of business and industry, biostatistics, a bachelor of science degree program and minor computer science, education, finance, marketing, in statistics beginning with the fall 2017 semespsychology, sports, government, health ter in response to rapid advances in care, research and development, and technology, the growing reliance on any other field that requires the collecquantitative research, and demand in the tion and analysis of data, according to marketplace. The Misericordia University statistics the 2016-17 U.S. Department of Labor’s program — the only four-year degree Occupational Outlook Handbook. program available in Luzerne and LackaThe job outlook for statisticians is wanna counties — provides training in robust, according to several jobs reports contemporary statistical techniques, as as they attribute growth from the more Stine well as theoretical background. By way widespread use of statistical analysis in of electives, the academic program can making informed business and health be tailored to lead students to a wide variety of ca- care decisions. The National Center for Educareer choices in business, industry, government or tion Statistics and the Education Advisory Board graduate school. Statistics majors will be required recently noted that statistics is the fastest growing to take core classes and specially designed courses STEM degree. in mathematics, computer science and statistics Furthermore, the U.S. Bureau of Labor Statistics Statistics — the science of learning from data projects that jobs for statisticians will increase 34 — requires 53 credits of statistics classes in the percent by 2024, much faster than the average for mathematics-based program. It consists of 38 other occupations. credits of specifically required courses and a mini“A bachelor’s degree in statistics should be of mum of 15 credits of elective courses in statistics. interest and benefit to students who are seeking The curriculum for the 18-credit minor in statis- career-oriented majors,’’ said Jay Stine, Ph.D., tics is designed so students can tailor their minor associate professor and chair of the Department of sequence to their particular areas of interest or Mathematics and Computer Science at Misericordia discipline. Students are required to take nine credits University. “The job market for statisticians is curof required courses, plus at least nine credits of rently very favorable and salaries for statisticians elective courses in statistics. are highly attractive.’’ Professional statisticians use statistical Call (570) 674-6452 or log on to misericordia. methods to collect and analyze data to help solve edu/statistics for more information.




263 tech businesses receive tax credit support from KIZ program KIZ program contributes to business growth

Department of Community and Economic Development Secretary Dennis Davin announced the approval of $15 million in tax credits to support 263 early-stage companies through the Keystone Innovation Zone (KIZ) Program. “It is important that we support Pennsylvania’s talent pipeline, from higher education to business ownership, and provide opportunities for entrepreneurial success and the KIZ Program does just that,” Davin said. “It is an important tool that contributes significantly to young companies’ ability to transition through the stages of growth.” The Keystone Innovation Zone Program is designed to support and encourage entrepreneurship in and around Pennsylvania’s colleges and universities by providing young Pennsylvania companies with vital working capital to meet critical needs, including covering capital expenditures, workforce expansion, operational expenses and making companies more attractive to venture investment. The program provides tax credits for companies that have been in operation for less than eight years, whose gross revenues have increased over the previous year, are located in a KIZ and are operating within a targeted industry sector such as information technology or advanced manufacturing/diversified materials. Below are approved KIZ award businesses in NEPA. For a complete list of approved KIZ awards or more information about the Keystone Innovation Zone program, including highlights of past awardees success stories, visit

Lackawanna County • twobytwo Solutions LLC. $82,585. • Chunga LLC. $14,452. • Conxx NE Inc. $82,585. • Keystone Technology Consulting LLC. $82,585. • DARTdrones LLC. $82,585. • Ecolndustrial LLC. $82,585. • Northeast Penn Supplies LLC. $82,585. • ChannelApe LLC. $1,955. • Otreva LLC. $19,759. • Note Fragrances Inc. $82,091. • Work Order Center LLC. $82,585. • Advanced Design LLC. $82,585. • Reaction Technologies LLC. $82,585. • Prova Systems. $30,418.

• Payroll Command LLC. $82,585. • IP Support LLC. $82,585. • Predictable Property LLC. $82,585 • Posture Interactive Ltd. $81,334. Luzerne County • Crimson Advisors LLC. $82,585. • LSEO LLC. $82,585. • Refer Local Business Pages LLC. $13,857 • Appek Mobile Apps LLC. $25,179. • Refer Local Classifieds LLC. $15,641 • A 24-7 Solutions, Inc. $27,739. • Digital ROI, Inc. $1,445. • RF Antenna Design Inc. $33,930. • Wordtree Technology LLC. $39,189. • Penn3D LLC. $3,656. • MAXX BENCH f/k/a Xonnel Enterprises Ltd. $32,957. • Jungle Computer LLC. $12,414. • MOXIEGREEN LLC. $19,491. • Maydeer Tech LLC. $82,585. • Public Charters, Inc. $82,585. • theSMARTsub LLC. $45,292. • Bright Solutions Management Group Inc. $82,585. • On Track Enterprises Inc. $82,585. • Clear Simple Marketing LLC. $47,193. • Digital Reservation Systems Inc. $82,585. • Prime Restaurant Solutions Inc. $6,078. • Chatka Interactive LLC. $82,585. • HSM Real Estate Services LLC.$2,349. • Liquid Sky Marketing Inc.$71,023. • Connection Energy LLC.$82,585. • United Glass LLC. $82,585. • Surpass Online LLC. $82,585. • Krypton Design LLC. $3,177. • GLB Industries LLC. $44,237. • Hot Igloo LLC. $18,990 Pocono Mountains • Stellar Technology Solutions LLC. $82,585. • Imperial 3D Solutions LLC. $82,110. • American Systems & Installation Inc. $58,577. • Marathon Studios Inc. $48,104. • TickChek LLC. $15,802. • Unify Interactive LLC. $11,141. Williamsport/Lycoming • TLC North LLC. $50,570. • The R.A.T.E. Company LLC. $10,782.





Region’s small business administrator reflects on tenure

SBA plays an important role as the coordinating agency for the SBIR program, through which we direct The new year is a time of reflection for us all. For implementation of 11 agencies’ programs, review their the180 Small Business Administration progress and report annually to Congress. (SBA) offices, SCORE chapters, business SBA is also the information link to SBIR. development centers and other SBA SBA collects solicitation information from resources I oversee in SBA’s mid-Atlantic all participating agencies and publishes it region and me, this is an especially poiquarterly. gnant time as I say goodbye to the many Ziegler Bros. is just one example of wonderful small business advocates and small business success in Pennsylvania. entrepreneurs I’ve met during my tenure In the eastern half of the commonwealth as President Obama’s appointee to lead Olson-Urtecho during fiscal year 2016, SBA guaranbusiness development here. teed 1,600 loans in excess of $565 In these four-plus years, I’ve put more than million contributing to retention and creation of an 50,000 miles on my personal vehicle and untold approximate 15,588 jobs, provided training to 130 more in plane, rental car and rail miles to visit as plus small business owners on new health care laws, many regional partners and small business owners extended 15 disaster assistance loans amounting to as I possibly could. My goal was to learn from each an estimated $1.1 million home owners and small one, what we were doing right, what we were doing businesses and provided training to 21,541 clients. wrong and what we weren’t doing at all to help them I’m proud of the accomplishments of the small grow our economy. Each story of entrepreneurs and businesses and of SBA in Pennsylvania. We are, after partners ring of a conviction to make a better life for all, the only federal agency specifically created to help families and communities and I’ve learned so much entrepreneurs get going, growing, and hiring. As I like from each encounter. to say, “Business is our middle name.” Recognized as SBA’s Eastern Pa., Mid-Atlantic Our capable and eager business and lending Region and National 2013 Small Business Exporter of specialists look forward to helping you with your the Year, Zeigler Bros. of East Berlin, PA, is in its third entrepreneurial dream in 2017. generation of family-owned leadership. The company, founded in 1935, continues to develop new and in*** novative technologies for specialty feed, focusing on Natalia Olson-Urtecho Olson-Urtecho oversaw aquaculture, pet, zoo and laboratory animal feed for more than 180 SBA offices, SCORE chapters, bio-medical research. business development centers, and other resources Zeigler Bros. Inc. has relied on SBA and the while managing a field staff of more than 100 loan, Kutztown Small Business Development Center for business, community outreach specialists and supmore than 20 years for assistance in areas as diverse port personnel. She worked with local lenders and as trade issues to export finance, market analysis and successful firms across the region, overseeing more even document translation. The firm manufactures than $34.2 billion in federal government contracts for more than 300 products and exports to over 40 goods and services purchased from local entreprecountries around the world. neurs. Funding through SBA’s Small Business InnovaThe mission of the SBA is to aid, counsel, assist and tion Research (SBIR) grant helped the company promote the interests of small businesses by providing financial, procurement and business development study the nutritional requirements of newly-hatched marine finfish while exploring creative manufacturing assistance and advocating on their behalf within the government. All SBA programs are extended to the public methods for live feeds. on a non-discriminatory basis. By Natalia Olson-Urtecho


“We urge them to save ’til it hurts, with a 10 percent minimum of gross income,” Ingargiola said. “Younger investors can assume more risk, and everyone should have a world view of equities while understanding that course corrections are vital.” Future of Medicare Lynn Evans, president and CEO of Northeastern Financial Consultants is skeptical about the death of Medicare. She said “unknowns” with these programs are often appearing in the news, complete with dire predictions that the twin entitlements systems will be bankrupt by a certain date. “We’ve been hearing spoiler alerts galore over the years, and nothing happens, so I’m not worried despite the new political climate in Washington,” Evans said. Even with her confidence in Social Security and Medicare, traditional dollar amounts once thought to be needed for retirement are no longer valid. Interest rates, investment returns and social programs are all operating within volatile markets, and when the possibility of entitlement programs changes are added in, retirement forecasts should not try to predict the distant future with any degree of detail. “No one really has any idea what’s ahead on the national stage, and when you mix in the possibilities of illness, Alzheimer’s disease and perhaps a need for long-term care, a reasonable forecast for retirement spending is only five years into the future. No program can predict farther than this,”she said Retirement planning has also become somewhat of a quandary for employers seeking to attract and retain talent. Gene Barr, president and CEO of the Pennsylvania Chamber of Business and Industry, described how employers have historically designed employee benefit programs that recognized the existence of Medicare. He said none of his professional peers expect wholesale changes to occur with Medicare, but some revision is a probability because the program needs to evolve financially. “Overall, for human resource managers, this is a time of increasing uncertainty,” said Barr. “President Trump is vowing big changes with international trade, mandates and the overall future of the business environment. This type of uncertainty is bad for business, but so is the certainty of what is not wanted.” Marathon undertaking? Joseph Jennings, wealth director at PNC Financial Services Group, preaches a retirement gospel of consistency and discipline. The process

of retirement preparation is a marathon and not a sprint, and clients are urged to save early and often while using information from software that indicates financial positions versus needs for potential changes. Jennings’ position is that Medicare’s future is a wildcard, with no factual projections of change but lots of speculation. His organization advises clients to wait and see what reality actually surfaces as Washington hashes out differing views on entitlements. Investment guidelines adhered to by PNC include a client’s individual time horizon, risk tolerance and the reality that retirees should expect longer life spans than ever before. Quality of life expectations are established, as well as predictable medical expenses with a recognition that these will escalate during the final two years of life. Clients are urged to avoid speculation and deal only in high quality stocks and bonds that match risk profile. Caution is especially urged with stocks that have the potential to perform like lottery tickets. “Discipline and consistency with a focus on fundamentals with course corrections are at the core of our program,” Jennings said. “These are proven combinations.” Two of NEPA’s most experienced and recognizable economists issued differing forecasts about the future of Medicare and Social Security. Justin Matus, Ph.D., associate professor and director of MBA program for the Sidhu School of Business and Leadership at Wilkes University, forecasts that Social Security and Medicare won’t disappear but will undergo tweaks and adjustments which history proves have been ongoing. He pointed out that human behavior is largely emotion based and that rumors of the demise of the twin entitlement programs, which are firmly within the aging and eventual death cycles, are sure to produce waves of negativity. Emotional behavior with retirement prospects is also somewhat age-based and because many Millennials experience little fear of death or aging, they largely live in the moment while largely rejecting purchases of cars, homes or retirement planning. “These kids want experiences which are short lived and I’m not yet sure where their heads are with time horizons,” said Matus said. “Many are buried with student debt, which is another reason why they are not yet worrying about retirement and opening 401(k) plans.” This contrasts with the behavior of the X-Y Generation, which seems to be living either in prosperity or hard times. This generation envisions Social Security only as a financial wall and a segment of a retirement plan. Baby Boomers on the other hand often grew

up with Great Depression-era parents who preached the value of saving. This behavior rubbed off on many boomers and even if they now hold high debt they are more like their parents than not and will reap the benefits of interest rates rising if that occurs. Matus is also concerned about the prospects of Washington relaxing the regulatory system that was reinforced after the 2008 financial crash. He fears that a careless easing of these many “regs” would allow predatory lenders to once again prey upon gullible people, which could deter solid but rate-stagnant saving and encourage risky investment. “All of this retirement planning is taking place under a growing cloud of unknowns,” Matus said. “Ahead for many people could be student debt and property tax bubbles, along with the threat of property reassessment.” Satyajit Ghosh, Ph.D., professor of economics and finance at the University of Scranton, offered an assessment that the unknowns now being presented by President Trump and his Republican Congress are making retirement forecasts risky at best. President Trump vowed to protect senior entitlements, but a campaign mode is different from governing and Congress certainly wants an entitlement overhaul as well as system privatization with details yet unknown. “Making these systems private with huge returns sounds terrific, but it also exposes people to risks and forecasts that go out the window,” Ghosh said. “When people don’t work with accurate information, they make bad decisions and I believe that the election proved this.” Medicare reform is in a similar situation, with Congressional conservatives now advocating some sort of a fixed subsidy for people to buy private health insurance. Ghosh believes that this change would not be cost effective for seniors because patient costs for insurance would rise steeply. Another legislative concern voiced by Ghosh involves the upcoming enforcement of the Retirement Account Fiduciary Standard in April. This regulation will require vendors of investment products to provide advice in the best interests of investors and while Wall Street scorns this type of inhibition on its salespersons, Ghosh said the regulations are crucial because without good information investors cannot make wise decisions “After the Sandy Hook shootings, the majority of Americans wanted gun controls improved, but nothing was done in Congress,” Ghosh said. “I have no faith in Congress complying with the will of the people. Lobbying for private programs will be huge and when you put all of these forces together it does not bode well for the elderly.”

FEATURE Maximize retirement savings If it is offered to you, always take advantage of an employer 401(k) match. You are entitled to this extra form of compensation. It’s not very often in life when someone hands you money for nothing, but this is one of them. When you put money from your paycheck into your 401(k) account, many employers will also contribute some money to your account. This is the match. Your employer’s match is a percentage of what you put in your 401(k) account. That means the more money you contribute each pay period, the more of a match you get. Matching formulas vary from company to company. Many employers offer a 50 percent match, which means that for every dollar you put in, the employer will put in 50 cents, typically up to 6 percent of your pay. Check your statement Take a good look at your statement and look at the fees you are paying on your accounts. Figuring out what you are paying in fees can be tricky sometimes but the effort is well worth your time. High fees eat away at your savings at an alarming rate. Make sure everything is in order; you may need to re-balance your investments. Rollover your old accounts Consolidate any old retirement accounts from former employers. Decide where you want to transfer or rollover your money. This could be to a plan you are currently participating in at a new employer or you could roll it over to a new or existing IRA. When you leave a job, there are two main types of 401(k) rollovers you can do: IRA, which gives you access to more investment options including individual stocks, real estate investments and commodities. You’ll have more flexibility to manage your investments over time and maximize your returns. Always make sure you understand the annual fees you will be charged for your rollover IRA. Rollover to your new employer’s 401(k) plan This can be a good option if your new employer’s plan accepts transfers, and if you are happy with the new plan’s investment choices and the fees are reasonable. Having one 401(k) plan makes it easier to track the performance of your investments over time and to make changes. Source: The National Association of Retirement Plan Participants




Massage MAGIC!

By Jeff Blackman, J.D.

Since this issue has a focus on health and wellness, it seems appropriate to address the value of “massage.” Especially, when it delivers unexpected benefits and reminds you of the little things that really matter in business. Years ago, I was in Dallas for a five-day business trip. On day four, I was pooped. So at 3 p.m. I snuck up to my room for a well-deserved nap. However, a better idea hit me. I approached the concierge and said, “Hi Machelle, could you please help me schedule an in-room massage within the next 90 minutes?” She replied, “We usually suggest guests go to the health club, but I know who to call.” She reached for the phone, “Hi Sandra, it’s Machelle at the Anatole. Mr. Blackman would like an in-room massage, at 4:30 or earlier. Are you available? Not ’til 5 Mr. Blackman, will that work?” I requested the phone, “Hi Sandra, I’ve got a commitment this evening and would really like to start at 4:30, is that possible?” She answered, “You have my commitment, I’ll be there at 4:30 or earlier.” (Smart marketers commit to a deliverable.) At 4:25, there was a knock at the door. It was Sandra. (Great ones honor their promises.) She greeted me with a big smile and firm handshake. Then asked, “Mr. Blackman where would you like your massage table.” (This was now my table. I had vested ownership. She used the words you and your vs. I, me, mine or my.) Sandra then said, “How long have you been in Dallas? What’s the purpose of your visit? Tell me

more about what you do.” (She immediately took interest in me by asking questions.) Sandra then requested, “To assure you the best results, could you please complete this form.” She handed me a form with questions, like ones I had completed when visiting my doctor. Over the years, I’ve had lots of massages, but never one starting like this. So I asked, “Sandra, what do you need this for?” She responded, “The best way to help your future, is to understand your past. The body never forgets.” (Whoa! I wanted to know what time her workshop started. She had a valid reason for her request.) When my “homework” was completed, Sandra studied it. Then said, “You’ve had lots of athletic injuries and you’re still very competitive with your weekly softball games and workouts. Here’s what I suggest, please take a hot shower, to wake up your muscles. Then I’ll stretch you before we begin, to create positive energy.” (Who am I to argue with a trained business-pro, who uses benefit statements?) As I headed for the invigorating waters of Dallas, Sandra asked, “Which do you prefer, classical music or jazz?” I said, “Classical.” She responded, “Classical it is.” (Again, she was focused on a simple environmental pleasure to maximize my experience.) When I exited the shower in running shorts, to my surprise, Sandra was on the phone. I heard, “Hi, this is Sandra, I’ll be giving Mr. Blackman a massage. Please hold his calls for the next hour, so he’s not disturbed.”(She controlled the environment, to assure success.)



For the next 10 minutes, Sandra stretched me. I became a human pretzel. She then said, “Let’s continue the healing. Please lay on your back on your massage table.” (Hey, it’s my table and I was up for healing.) As Beethoven’s music soothed me, Sandra placed her hands on my forehead and said, “Close your eyes, take a series of deep breaths. As you inhale, take in your hopes, dreams, goals, aspirations. Visualize them. See them coming true. As you exhale, remove from your life, any doubts, fears, pressures, worries.” (At this point, I was ready to buy her books and monthly coaching sessions. This wasn’t a massage, it was a series of valuable business-lessons.) Within an hour, under Sandra’s watchful eye, remarkable business style and magical hands, I was revived. (Business is all about successful outcomes, results and improved conditions.) Before Sandra left, we chatted about her business and mine. She then asked, “Mr. Blackman, how can my team help you and your fellow professionals at next year’s convention? Perhaps with chair massages.” (She’s pursuing the next opportunity and seeking referrals.) I said, “Sandra, every year, we’re in a new city. Next year, Orlando.” She said, “That’s great. It’s easy to fly there and coordinate a team of Florida therapists.” (Wow. She even knows how to overcome objections.) As Sandra left, I thanked her profusely and tipped her handsomely. She deserved it. (She of course left behind business cards, as well as additional literature on the benefits of her company

and massage. Great marketers always plant the seed for the next sale. They use a singular positive event, to position and leverage a customer for a lifetime of value.) As I entered the bathroom to shower, I noticed something was different. When I exited the shower an hour earlier, I engaged in the “shower dance.” You know, where your feet straddle the tub. One foot remains firmly implanted in the tub, while the other one futilely searches for a safe landing on that tiny bath towel mat on the floor. An experience akin to parachuting from a few thousand feet and landing on an M&M. However, the postage stamp bath mat was gone. In its place, Sandra had draped a large bath towel across the floor, so my wet feet would be dry and comfortable for the demanding two-step journey from the shower to the sink. (She created another moment of massage magic. It was the bonus or unexpected extra.) Sandra’s company was Mobile Massage. I think, it was really mobile success. So the next time you’re in Dallas and need a body or business boost, give Sandra a buzz. Oh, be sure to request the deep-penetrating wintergreen.



Business leaders seeking higher performance, better results and a greater return on equity For information, contact David Farrington 570 878 1654

Jeff Blackman is a Hall of Fame speaker, Vistage Fast-Track Speaker of the Year, bestselling author, success coach, broadcaster and lawyer. His clients call him a business-growth specialist. If you hire speakers, please contact him at 847.998.0688 or Visit to learn more about his other business-growth tools and to subscribe to his FREE e-zine, The Results Report. Blackman’s bestselling books include; Stop Whining! Start Selling! and Peak Your Profits. You can also stay connected with him via Facebook, LinkedIn and Twitter: @ BlackmanResults.

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I get great advice from my Vistage Sharing frank discussion with other Vistage is a "smorgasbord" of mind expanding group members who also hold me educational benefits and sound advice. Vistage is business owners I trust has been accountable for achieving my goals. worth the money and, more important, the time. invaluable to our company’s success.

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Vistage NEPA is pleased to invite local business leaders to a presentation and reception with

The pressure of running the show never left time to focus on strategy. Vistage gave me that time and a group of peers with great advice.

David Friedman

Amazon 5-Star Rated Author of

“Fundamentally Different” Building a Culture of Success Through Organizational Values

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There's more expertise and experience around the table at a Vistage meeting than any one business owner or CEO can gain in a lifetime.

Sandy Insalaco, Sr.

Wednesday, February 15, 2017

Glenmaura National Golf Club - Moosic PA Vistage lets me zoom out - to detach from the tactical and engage the strategic, even on the most sensitive topics.

Greg Stanton

Presentation – 4:00 PM

Wine and hors d’oeuvres to follow

To attend, register by voice or text at 570-878-1654 with your name, title and the name of your business no later than Friday, February 10, 2017.

In Vistage I can think out loud and get challenging input from peers who push me to action and cheer my success.

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Rock Ridge Stone SCE Environmental Group

Vistage provides access to a world- Vistage revolutionized the way I run my company. Vistage is an incredible resource for best practices and practical real wide network of business owners Joining Vistage is a worthwhile investment for world implementation. Vistage and experts with ready expertise to every business owner who wants to take his ps me get thinggs done. help help you in virtually any situation. company to the next level sooner, better, smarter.

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12 tips to becoming a successful self-publisher

By John L. Moore

Beginning in 1999, I wrote and self-published seven books about life in frontier Pennsylvania before I signed with a regional publisher in 2014. The challenge of writing, publishing and distributing the books provided a lot of satisfaction. It also generated a modest amount of supplementary income. In the process, I learned the basics of producing a book. Continue reading if people have ever said to you, “Gee, you ought to write a book.” It’s no accident that most of my books deal with Pennsylvania history. Over the years I have visited many of the state’s historical sites, participated in a variety of archaeological excavations of Native American sites, and read widely, often delving into century-old history books that offered lots of first-person accounts of life and conflict during the colonial era. All this gave me a solid background. When I decided to do a book, writing about the Indian wars of the 1700s became a natural choice. To create my first book, I went through my research materials, collected short articles that I had already written, wrote several new ones and put them into book form. I came up with a title, found clip-art that I could use on the cover without paying royalties, wrote headlines for each chapter, printed out the manuscript and handed it to my wife, along with the request, made very politely, that she edit it. With relish and a bright red pen, she sat down, circled all the misspelled words, underlined passages that she said needed to be rewritten and crossed out words, phrases, sentences and occasional paragraphs that she thought should be deleted. I revised the manuscript, printed out the text, and had a print shop run off 50 copies. Then I started looking for stores to sell them. That was in 1999. The book, which I titled “Traders, Travelers, and Tomahawks,” remains in print. That’s my story. Here are a dozen tips that may be useful to you if you want to become a published writer: 1. Select a subject to write about. This becomes your first important decision. I prefer to write non-fiction, but you may just have a fascinating novel lurking inside you. At any rate, choose a topic that you already know a good deal about, that you enjoy researching, and that you know interests other people. After all, these people become your potential future readers. 2. Make an outline. List as many possible chap-

ters as you can and write out the principal points that you want each chapter to cover. Then whittle your list of chapters down to 12. If each chapter has 2,000 words, your manuscript will run about 24,000 words. That’s a realistic length for a selfpublished book. If you write one chapter a month, you’ll have a first draft in 12 months. 3. As you complete the first draft, ask someone to evaluate the manuscript and to provide constructive criticism. I rely on my wife to check grammar and spelling, but I also call upon a few specific friends to read the corrected draft for content. Online copy editing services are readily available, and for a fee you can retain someone to evaluate your work and prepare it for publication. 4. Work up a title. Every book needs a name that’s not only short and catchy, but also only conveys a sense of the book’s content. A clever title may prompt someone browsing in a retail shop to buy the book. 5. Design a cover containing three basic elements: the title, the author’s name and an




illustration relevant to the contents of the book. Were I to write a memoir about my 45-year career as a newspaperman, I’d consider a photograph of newspapers coming off the press or an illustration of myself as a reporter, notebook and pen in hand. 6. Decide what type of book you want to publish — a hardcover or a paperback. Hardcovers may be more prestigious, but paperbacks generally are less expensive to produce. As a self-publisher, I always wanted to sell as many copies as I could. To accomplish this, I printed paperbacks and managed to keep the retail price at or below $10 a copy. 7. Consider printing your book on standard copy paper (8.5 inches by 11 inches), with a heavier stock for the cover and a lighter stock for the inside pages. For the cover, select a colored paper. The print shop will fold the pages in half, then fasten them together with staples in the centerfold. This type of fastening is called “saddle-stitching,” and printers who do it have a special staple machine with long jaws.

8. Select a printer. I like to work with local print shops and Northeast Pennsylvania has plenty of commercial printers. In picking a printer, ask if the shop has a program to convert your manuscript into book format. If you prefer companies that specialize in working with people who produce their own books, go online. A quick search of “self-publishing” turns up a variety of outfits that do this. 9. Calculate a wholesale price that is 60 percent of the retail price, which needs to be high enough for both you and the retailer to turn a profit, but low enough to attract buyers. A high retail price might discourage potential customers. 10. Find places to sell your book. The chain retailers like to stock books that sell well nationally and often decline to carry titles by self-publishers. Independent bookshops are much more likely to stock books put out by independents. Look for non-traditional outlets. In my case, I wrote about a time when flintlock rifles were popular and one of my top retailers is a gun shop catering to black powder shooters. 11. Promote the book. Write a press release (300 words tops) telling about the book and why you wrote it and offer to give an interview. Use email to send it to your local newspapers and local radio and television stations. Create a website, blog and Facebook page, and post information about your book. Be sure to include a photo of the cover and a head-and-shoulders picture of yourself. 12. Launch a public speaking tour. Give free 30-minute talks to community service groups, historical societies and other organizations across Northeast Pennsylvania. At the end of your talk, tell your audience that they may buy autographed copies from you after the meeting. Keep in mind that a book doesn’t need to be long or fancy to attract readers. It does, however, need to provide valuable, accurate and interesting information. John L. Moore is a freelance writer and professional storyteller based in Northumberland. Sunbury Press Inc., last month, released his latest book —“Skunks, Nuts, and Other Stories” — and plans to release his book about the American Revolutionary War in Pennsylvania — “Tories, Terror, and Tea” — this month. There’s information online at johnleonmoore.blogspot. com/ about the eight non-fiction books in his Frontier Pennsylvania Series. His storytelling activities are described at: monthly Pennsylvania history blog may be accessed at Moore is also a free-lance writer for the Business Journal. His story on immigration can be found on page 11.


Projects to enhance QOL may qualify for LHV funding

Lackawanna Heritage Valley (LHV) has begun a new cycle of grant funding through its Partnership Grant Program. The program is open to members of non-profit organizations, municipal and governmental agencies, and educational institutions with proposals for projects designed to enhance the quality of life in NEPA. The deadline to apply for a LHV Partnership Grant is Wednesday, March 1, at noon. This program is limited to small grants, since available funding to LHV for these programs has been cut dramatically in the past few years. Since inception, LHV has provided $3,375,903 in grant funding to organizations for projects and programs in place-based education, interpretive programming, historic preservation, cultural conservation, community trails and community and economic development. This investment in NEPA stimulates the region’s economy, enhances tourism initiatives, strengthens community organizations and increases the quality of life for area residents. Eligible applicants include: • Non-profit organizations with tax-exempt status and a DUNS reporting number proposing projects that preserve or promote cultural, historic, community, or natural resources or ethnic traditions or folkways; • Municipal and county governmental agencies; and • Educational Institutions, including public schools and colleges and universities. Through this program, LHV has supported a

wide variety of projects in the region, such as: • Exhibits, interpretive displays and panels, trail signage, video and audio displays, on-site interactive media and digital products; • Public programming, films, activities, events, and outreach activities; • Program materials, including training materials for docents at historic sites, publications, including brochures or guidebooks, interpretive driving or walking trails and tours, and/or annotated itineraries; • Preservation and adaptive reuse of historic structures, i.e. “bricks-and-mortar” work; • Cultural conservation activities including oral history projects, conservation of traditional folkways, and artifact identification and preservation; and • Feasibility or planning studies, management action plans, and special purpose studies. LHV provides financial assistance to nonprofit and civic organizations, heritage partners, educational institutions, and municipalities located or operated within the Lackawanna Heritage Valley, or whose projects will benefit LHV’s service area in Lackawanna County and portions of Susquehanna, Wayne, and Luzerne Counties. LHV works with community partners on projects that conserve, preserve, and educate the public about Northeastern Pennsylvania’s historic, cultural, economic, and natural resources. For general information about the heritage area, For program guidelines and grant applications, or call 570963-6730, extension 8200.


A financial checklist for the year The start of every new year is time to think about setting new goals and resolving to do new things. If one of your resolutions is to find new and better ways to manage your finances and invest your money, then jump-start your efforts with the checklist that follows. Increase Plan Contributions: Are you contributing as much as you can afford to your retirement plan? Adding as little as five or ten extra dollars per paycheck could make a big difference over the long term. Make Catch-up Contributions: Your plan may allow you to make “catch-up” contributions over and above the regular contribution limit if you are age 50 or older. If possible, take advantage of the opportunity to give your retirement savings a boost. Perform a Risk Checkup: Risk tolerance is your willingness to accept the risk that an investment may suffer a loss in exchange for the possibility that it will earn high returns. It’s generally true in investing that the higher the level of risk, the greater the expected rate of return. You can measure your tolerance for investment risk by answering these questions: What is my age? How long do I have before I’ll need the money? Can I handle investment losses? What impact would a big loss have on my future plans? Rebalance Plan Investments: The goal of rebalancing is to keep your overall portfolio in line with your risk tolerance and investment objectives. Your portfolio could become unbalanced if one or more of your investments does particularly well (or falls in value). For example, if your stock investments have been doing well, they might account for a higher percentage of your portfolio than you originally planned when you decided on an asset allocation. And you may be uncomfortable with the increased level of risk. You can rebalance by transferring money from stock funds or portfolios into other asset classes, such as bonds and cash investments. Or you can invest more of your new contributions in the underrepresented asset classes until you achieve the allocation you want. Look into the Saver’s Credit: When you contribute to your employer’s retirement savings plan, you might qualify to claim the saver’s credit on your federal income-tax return. The credit is claimed as a direct offset against taxes, so it lowers your tax bill. To qualify for a credit, your income must fall within a certain range, depending on your tax filing status. You can find out more about the credit on the IRS’ website ( or by talking to your tax advisor. Check Tax Withholding: If you get a large tax refund every year, too much money is being withheld

from your paycheck. To change your withholding, ask your payroll department for a copy of IRS Form W-4. (Your state may have its own form.) Remember, you should have enough withheld to avoid underpayment penalties. Create a Budget: Keep track of where your money goes by creating a budget. Write down your basic monthly living costs. Subtract the total you spend on these recurring costs from your monthly net pay. The difference is the amount you have left for discretionary spending and for saving. Take Control of Debt: Make this the year you make an extra effort to pay down as much of your consumer debt as you can. In general, it’s a good idea to pay the highest interest-rate debt first. Review Insurance Coverage: Are you prepared for the unexpected? Make sure you have enough life and disability insurance coverage to protect your family and your finances should anything happen to you. Contact Keith R. Kleinman, Janney Montgomery Scott LLC, 270 Pierce St., Kingston, PA 18704. Call (570) 2838140. Janney Montgomery Scott LLC is a member NYSE, FINRA, SIPC. Source: DST.

Adam Shelp, Susan Whitesell, Peter Shelp

Your Retirement Income Planning Team. The Kingston Retirement Group can help you plan for your retirement. We will provide you with a retirement roadmap to help get you — and stay — on the right track. Contact us: 570.283.8140 Janney Montgomery Scott LLC 270 Pierce Street, St 108, Kingston, PA 18704





ECONOMY Grant to stimulate five-county economy

As part of a recent five-state, $26 million effort to create a more vibrant economic future for Appalachia’s coal-impacted communities, a $471,843 grant was awarded to invigorate the economy of five central Pennsylvania counties. The U.S. Appalachian Regional Commission (ARC) grant supports a project that is expected to drive 12,000 new visitors annually to the area, generate more than $18 million in tourism revenue and create 26 jobs. This is the latest round of awards by the Appalachian Regional Commission in this effort. The grant was awarded to SEDA-Council of Governments (SEDA-COG) and will be used to position reclaimed mine land as a destination for regional outdoor tourism. The project focuses on Columbia, Montour, Northumberland, Snyder and Union counties whose economies were damaged due to job loss in the coal-related industry. Efforts will concentrate on marketing outdoor recreation and tourism as an economic engine to replace a portion of the economy lost by coal impacts. “This investment capitalizes on the growing momentum for a diverse economy in Appalachia,”

said ARC federal co-chair Earl F. Gohl. “It is one of many strategic, collaborative and impactful projects making the region more competitive in technology, manufacturing, entrepreneurship, broadband, health and a variety of other sectors.” This award is an opportunity for a better economy in coal-impacted Pennsylvanian communities, said Dennis Davin, state Department of Community and Economic Development secretary. “Assisting our coal-impacted communities presents significant opportunities for community revitalization and economic advancement,” Davin said. “The Wolf administration appreciates the Appalachian Regional Commission’s support of these efforts in Pennsylvania. We anticipate continued progress as the recently awarded POWER grants are implemented.” The project creates a five-county economic diversification strategy that is multi-faceted and whose centerpiece is the Anthracite Outdoor Adventure Area (AOAA). This 6,500-acre motorized and non-motorized recreation facility can be expanded and marketed to become a driving economic force in the area.


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Pretax, Roth, or after-tax contributions: Which should you choose? By William P. McAndrew

If your employer-sponsored retirement savings plan allows pretax, after-tax and/or Roth contributions, which should you choose? Pretax: Tax benefits now With pretax contributions, the money is deducted from your paycheck before taxes, which helps reduce your taxable income and the amount of taxes you pay now. Consider the following hypothetical example. Example(s): Mark earns $2,000 every two weeks before taxes. If he contributes nothing to his retirement plan on a pretax basis, the amount of his pay that will be subject to income taxes would be the full $2,000. If he was in the 25 percent federal tax bracket, he would pay $500 in federal income taxes, reducing his take-home pay to $1,500. On the other hand, if he contributes 10 percent of his income to the plan on a pretax basis — or $200 — he would reduce the amount of his taxable pay to $1,800. That would reduce the amount of taxes due to $450. After accounting for both federal taxes and his plan contribution, Mark’s take-home pay would be $1,350. The bottom line? Mark would be able to invest $200 toward his future but reduce his takehome pay by just $150. That’s the benefit of pretax contributions. In addition, any earnings made on pretax contributions grow on a tax-deferred basis. That means you don’t have to pay taxes on any gains each year, as you would in a taxable investment account. However, those tax benefits won’t go on forever. Any money withdrawn from a tax-deferred account is subject to ordinary income taxes and if the withdrawal takes place prior to age 59 ½ (or in some cases, 55 or 50, depending on your plan’s rules), you may be subject to an additional 10 percent penalty on the total amount of the distribution. Roth: Tax benefits down the road On the other hand, contributing to an employersponsored Roth account offers different benefits. Roth contributions are considered “after-tax,” so you won’t reduce the amount of current income subject to taxes. But qualified distributions down the road will be tax-free. A qualified Roth distribution is one that occurs: • After a five-year holding period; and • Upon death, disability, or reaching age 59½ Nonqualified distributions are subject to regular income taxes and a possible 10 percent penalty tax.

However, because Roth contributions are made with after-tax dollars, a distinction is made between the portion of the distribution that represents contributions versus earnings on those contributions. If at some point you need to take a nonqualified withdrawal from a Roth 401(k) — due to an unexpected emergency, for example — only the proportion of the total amount representing earnings will be taxable. Example(s): In order to meet an unexpected financial need of $8,000, Tina decides to take a nonqualified hardship distribution from her Roth 401(k) account. Of the $20,000 total value of the account, $18,400 represents after-tax Roth contributions and $1,600 is attributed to investment earnings. Because earnings represent 8 percent of the total account value ($1,600 ÷ $20,000 = 0.08), this same proportion of Tina’s $8,000 distribution — or $640 ($8,000 x .08) — will be considered earnings subject to both income taxes and a 10 percent penalty tax. However, keep in mind that tapping your account before retirement defeats its purpose. Always bear in mind that the most important benefit of a Roth account is the opportunity to build a nest egg of tax-free income for retirement. After-tax: For those who are able to exceed the limits Some plans allow participants to make additional after-tax contributions. This plan feature helps those who want to make contributions exceeding the annual total limit on pretax and Roth accounts (in 2016, the limit is $18,000; $24,000 for those age 50 or older). As with a traditional pretax account, earnings on after-tax contributions grow on a tax-deferred basis. If this option is offered (check your plan documents), keep in mind that total employee and employer contributions cannot exceed $53,000, or $59,000 for those 50 and older (2016 limits). Another benefit of making after-tax contributions is that when you leave your job or retire, they can be rolled over tax-free to a Roth IRA, which also allows for potential tax-free growth from that point forward. William P. McAndrew is a registered representative of INVEST Financial Corporation, member FINRA/SIPC. INVEST and its affiliated insurance agencies offer securities, advisory services and certain insurance products and are not affiliated with Fidelity Asset Management Services or Fidelity Bank. Products offered are: not a deposit • not FDIC insured • not bank guaranteed • may lose value including loss of principal amount invested.


The emoji economy: Why little stickers have become a multi-billion dollar business 2017 Is the Year of the Emojipreneur

Over the past year, emoji collections have been an exclusive playground for celebrities-turned-enWith the 2017 business year in full swing, trepreneurs such as Kim Kardashian, Justin Bieber, entrepreneurs are back at their desks and thinkand Blac Chyna, who have the funds to hire top ing deeply about how to set themselves up for a artists and the star clout to charge users for the successful new year. For beginning entrepreneurs, final product. the burning question is, “What new But what if there were a way for business trends should I adopt if I want artists to get their own sticker and emoji to increase revenues this year?” art into billions of hands, without the But what about creative types — need for celebrity status or funds? What those who have a passion or talent that if this unleashed tens of thousands of hardly brings in enough money to pay diverse emoji—allowing users to freely the bills? For them, the question is, “How express themsleves through every kind do I even start to monetize my work?” of emotion? With Apple’s iMessage The good news is that this year will Loberg launching an app store for stickers and be a turning point for creatives-turnedemojis last September, the impossible entrepreneurs. In 2017, artists will be able to start just became possible. monetizing their work and distributing it in a way The new emoji and sticker marketplace directly we’ve never seen before. This year will be the year connect artists and users in a symbiotic relationof the “emojipreneur” — the artist who turns a ship — artists are able to distribute their work profit by creating emoji and stickers that are used simply (they don’t have to write a single line of on billions of smartphones all over the world. code), quickly, automatically and completely free By Dana Loberg



of charge, while users have an endless supply of emoji at their fingertips. MojiLaLa ( — an emoji marketplace that sources emojis and stickers from all over the world — has developed a way to facilitate this relationship. Founded by artists who understand the struggle to make ends meet through creative work, MojiLaLa monetizes emoji distribution by sharing 50 percent of sales profits with the original creators. Meanwhile, ordinary iPhone users have access to vast collections of original emojis and stickers on trending topics, which they can use in iMessage. As conversations become shorter and communication becomes more visual, the emoji economy is transitioning from a niche market in Japan to a mass, multi-billion dollar industry in the U.S. Artists around the world are jumping at the opportunity to earn cash for their work, while simultaneously getting their portfolios out there for the world to see. That’s why 2017 is the year of the emojipreneur. Check out the MojiLaLa Unlimited App, which offers 10,000+ new and exclusive emojis and stick-

ers for $1.99 a month, at mojilala-unlimited-10000+/id1153431461?mt=8&_ branch_match_id=330086226552632261. Dana Loberg is the CEO and co-founder of MojiLaLa, an emoji marketplace for artists and studios from all over the world. By connecting designers and their emojis with chat platforms, keyboards and bot platforms, artists get greater distribution, monetization and visibility for their sticker-making skills.

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Sub-machined parts: finding comfort with part suppliers

ings and others machined from bar stock. Belrick uses advanced horizontal and vertical Original equipment manufacturers (OEMs), even machining centers to perform computer numerical those with in-house machining capabilities, often control (CNC) turning and milling, robotic welding, need to offload specific metal parts to a fabrication, prototype, inspection and precision machine shop. Maybe because assembly. The company has extensive the parts are complex or difficult, the machining experience with bar stock, volume of parts is small, the duration of sheet, castings, forgings, plate, special the production run is short or existing shapes and fabrications. machines are being used to produce “They (Belrick) are very competitive other parts. (in price) — and their track record for However, even if machine shops are on meeting the schedule and the quality of Elliott every other corner, OEMs still can receive their work has been really good. Any parts that are not precise to specifications issues have been very, very minor. They and ramifications can range from lost time and cost are very conscientious,” Freely said. re-working parts to burdensome documentation for This quality is reflected in the type of equipment industries such as automotive, aerospace and defense. and advanced coordinate measuring machine (CMM) “We’ve had issues with quality from machine systems it utilizes. It is also reflected in the machine shops before, no question about it,” said Pete shop’s ability to handle more complex or difficult jobs, Freely, quality assurance manager for Medico Insuch as machining castings and forgings. dustries’ manufacturing division. “In machining you Freely said in dealing with the automotive, can find vendors that will cut corners. If a part is aerospace or defense industries, when there is a off by a half thousandth of an inch, they might say problem with a part it can involve much more than ‘don’t worry about it, ship it,’ and you won’t know just replacing or reworking the items. about it until later.” “In certain industries you have to go through an Since 1967, Medico Industries, based in Wilkes- exercise to prove what happened and demonstrate Barre, has produced more than 20 million metal why it won’t happen again. When you bring a third parts for U.S. government defense programs and party supplier into it, it makes it even more difficult over 7.6 million commercial parts for the automotive to troubleshoot and convince your customer that and oil and natural gas drilling industries. you’ve found the root cause.” Despite having a full range of equipment for He added: “When you get good quality products metalworking — from forging and heat treating to consistently, you don’t have to deal with any of that. machining and finishing — Medico Industries still To find a vendor where you can sleep at night, withsends parts out when its machines are running at out worrying about that stuff, goes a long way.” full capacity, the job is short term, or production Even with its confidence in Belrick, Medico volumes are sporadic and uncertain. performs regular quality assurance checks to ensure “There are times when it makes sense to say, arriving parts are to specifications. let’s get someone else to do it,” Freely said. “We can’t go back to our customer and say, ‘well, At that time, Freely says it is important to achieve it wasn’t our fault, our sub did it,’” Freely said. “It’s a level of comfort that the company they outsource ultimately our responsibility.” to will deliver consistent quality parts every time. OEMs also often require parts quickly, so a maThis is critical because the OEM is responsible for chine shop must be flexible and responsive. Many any parts they put out, even outsourced ones. shops are hesitant to stop production and make So, OEMs must be able to identify and partner changes, yet customers both large and small often with a machined parts supplier that can deliver show up with unexpected demands. quality, consistently. “We don’t always go with the When this occurs, smaller, more nimble operacheapest supplier,” Freely said. “You can take that tions can often help OEMs immediately. into consideration, but you go more for best value.” Such was the case for Landon Monte, inventor For years, Medico has outsourced parts to Belof the ZeroDay Survival Kit. The small, lightweight, rick Corp, a precision manufacturer of components minimalist survival kit was first featured on Kickstarter, and assemblies from Swoyersville, Luzerne County. where it recently surpassed its fundraising goal. This includes threaded metal parts, machined forgEach survival kit has 10 components, each with By Jeff Elliott




William Stoffel inspects metal part.

varying complexity and machining needs. This required an intimate knowledge of not only the machining process, but also a solid understanding of how each part interacts. “I went out on a search for a machine shop I could trust,” Monte said, estimating there are six machine shops within a 25 mile radius. “Most of them seemed too busy to care about a smaller individual.” Impressed with Belrick’s responsiveness, as well as its status as a veteran-owned business, given his own military background, Monte said he went to them with a bunch of papers with what he characterizes as “the scribblings of a madman.” “It was very chaotic — all dreams and aspirations,” Monte explained. “They looked the drawings over and said it looked good and they could do the work, but there were a couple things they recommended altering for efficiency and cost reduction, without affecting the product.” During production, Belrick kept in continual communication, informing Monte of each machining step in the process. “They even found time to allow me in to take pictures of the kits being machined so I could capture the behind-the-scenes process for my Kickstarter backers,” Monte said. The initial production run was for 120 ZeroDay Survival Kits (100 aluminum models and 20 titanium variants). The second production run was for 150

Aluminum models and those were delivered ahead of schedule. Monte said the results have far exceeded his expectations. This includes satisfying his concern about meeting the tight tolerances of one specific component of the kit, a “fire piston” at the core of the precision machined body that relies on compression to transfer kinetic energy into thermal energy. “The fire piston has to have a remarkably tight tolerance (+/- .001”) in order to be used to best effect,” Monte explained. “Belrick not only assured me it would meet the demanding tolerances but went above and beyond by contacting outside anodizing shops to ensure the protective layer added was accounted for in the final dimensions.” Monte is working with the company for some new add-on accessories for the ZeroDay Survival Kit and other products he wants to bring to market. “Their attention to the most seemingly minute detail produced machined parts that I proudly attach my name to,” Monte said. “They realized every aspect of what I imagined my product to be.” For more information about Belrick, call (570) 288-9000, e-mail or Jeff Elliott is a Torrance, California-based technical writer. He has researched and written about industrial technologies and issues for the past 20 years.

Focus on Architects & engineers

Adaptive reuse trending in industry currently in the preliminary design phase of bringing a vibrancy needed to jump start an area. Throughspaces for Mount Saint Mary College. out our firm’s history, our architects and engineers the practice into one central location in the former Some of the most exciting aspects of reThere are many exciting trends happening in have had the opportunity to play a significant role Bon Ton store at the Marketplace at Steamtown. purposing include making more efficient use of the architectural and engineering indusin these types of transformations through their the space based on the new owner’s The benefits of this adaptive reuse project are try in NEPA. In the market segments designs. We are excited by the projects we are needs and goals while ensuring that any numerous. Not only will patients have an easily we serve, there are innovative ways seeing in and around NEPA and are optimistic additions or exterior modifications fit accessible location for doctor visits with ample people are working, teaching, learning, about the future of our region. We are fortunate to contextually with the surrounding area. parking, the practice will be located within close caring for patients and manufacturing have beautifully designed and solidly constructed Additionally, the engineer is charged proximity of two major healthcare systems. In and distributing goods and services. It buildings which, through the practice of adaptive with improving the energy efficiency of addition, patients will have the convenience of is our job to design environments that the building shopping, heading to the reuse, can continue to serve our residents in new often times, adaptive reuse meet the objectives established for these by designgym or enjoying lunch or and exciting ways. facilities while providing a flexible and Degnon ing systems projects serve as the origin for dinner all in one location. David K. Degnon is senior associate, director of design maintainable space to grow in. Highland Associates. Celebrating its 29th year in that reduce the revitalization of an entire This is mutually beneficial atbusiness, Highland Associates is a multi-disciplined firm While new design and construction operational costs while for the Marketplace at block, or in some cases, an enspecializing in architecture, engineering and interior deis exciting and working with a clean slate from reducing the impact on Steamtown and brings with offices located in Clarks Summit and New York tire city. the infusion of people many additional people to sign concept to completion is invigorating, there is a the environment. City. Highland Associates offers a comprehensive list of and activity adds a vibrancy natural tendency to want to use what we have to services to satisfy the most difficult projects. Our 170+ the area. Right here in NEPA, re-purpose a beautiful building and breathe new Often times, adaptive design professionals and support staff work as a team Highland is working with needed to jump start an area. to analyze client needs and create practical solutions to life into it. This concept, called adaptive reuse, has reuse projects serve as DeltaMedix on an exciting meet the functional, aesthetic and financial objective of been around for ages, but seems to be increasingly consolidation of its multithe origin for the reviany project. Concept-driven and problem solving, Highmore prevalent. land Associates is an award-winning design firm, guided specialty healthcare practice. DeltaMedix is operating talization of an entire block, or in some cases, an Throughout NEPA we are seeing a former office in several locations throughout Scranton, and we are entire city. The infusion of people and activity adds by a design process and team approach. at Highland Associates. building being adapted for higher education, a former retail hub soon to be home to government offices and a shopping mall now transformed to a mixed-use market place. Along with this new life comes the opportunity to enhance building technologies, create flexible, inter-connective and shared work environments and increase energy efficiency by utilizing sustainable design practices. By definition, adaptive reuse refers to the process of reusing a building for a purpose other than which it was originally built or designed. It is viewed as a means to revive or reinvent an old building that still maintains some relevance or historic significance. Throughout our 29 years in business, Highland Associates has had to the opportunity to work on many such projects, including the transformation of the former Otis Elevator building, in Yonkers, New York, into a new public library and board of education offices. Additionally, we have worked with major retailers, such as Bloomingdale’s and The Owners of Highland Associates wish to thank our 170+ employees for their dedication and excellent work. Elie Tahari, to transform historic buildings into flagship stores in both SoHo and East Hampton, New Gil Ben-Ami, PE Hermin Z. Calderon Charles Consagra, AIA Michael G. Dench, AIA William M. Flynn, AIA York; converted a former two story, recreational Richard J. Guditus, PE M. Bilal Hasan, PE, Thomas G. Hauck, Jr., AIA, Glenn D. Leitch, AIA, steel pier along the Hudson River into a restaurant Thomas W. Millard, PE Teddy Muliawan, PE James Scandale, PE Brian W. Schafer Michael Wolf, AIA for celebrity chef, Peter Kelly and transformed the Pennsylvania: 102 Highland Avenue Clarks Summit, PA 18411 570-586-4334 former mother house for the Dominican Sisters of New York: One East 33rd Street New York, NY 10016 212-681-0200 Newburgh into a modern center, housing a library, w w w . h i g h l a n d a s s o c i a t e s . c o m student dorms, cafeteria and student amenity By David K. Degnon




Barry Isett moves to Wilkes-Barre Barry Isett & Associates Inc. (Isett) has moved its Forty Fort staff to Fox Ridge Professional Center, 1170 Highway 315, Suite 3, in Wilkes-Barre. The new office is accessible from I-81 and the PA Turnpike. Isett’s 40th year in business will be marked this year. The firm offers structural, municipal and civil engineering along with landscape architecture and project management/construction services. The main office number 570-285-8200 and associate extensions remain the same. Isett is actively involved in a number of exciting, high profile projects in the region, including “the City Arts Center” — a new home for the Hazleton Art League. The University of Scranton’s $14 million-dollar improvement project to develop the South Side Sports Complex. Also, Isett is the structural engineer in the design of a 4,000-square-foot fieldhouse with two team locker rooms and a training room, both a baseball and softball facility featuring bleacher seating and dugout structures and the foundation for the scoreboard. Construction is anticipated in spring.

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Collaboration helps students consider accessibility in home design Pennsylvania College of Technology students pursuing distinctively different career paths collaborated recently, learning from one another how to design homes that will be both beautiful and functional for anyone who might cross the threshold. Architectural technology students worked with occupational therapy assistant students to modify building plans to suit real-world client-based scenarios for current or future accessibility needs, including guests who visit. The collaboration capitalizes on both groups’ expertise: an occupational therapy assistant’s role is to help people who have a disability to do what they want and need to do. For those with physical disabilities, it could involve teaching them how to button a shirt with one hand or providing strategies and tools to get around their kitchens. Architects, meanwhile, know what building modifications are possible and how cost-effective they are. Each group was provided a building plan and a client description and asked to modify the home, first with the most cost-effective basic changes, and then with an unlimited budget. Solutions included rollunder sinks, stair lifts, handrails, front-loading washing machines, pedestal sinks and kitchen islands. For occupational therapy assistant student Rachael Zimmerman, of Pine Grove, the exercise opened her eyes to new ways of modifying physical spaces. “There isn’t just one way of doing things,” she said. “You get so used to seeing things one way, but (in an exercise like this), you get a new perspective. We look a lot at hand rails, door knobs, faucets and cabinets. Architecture students are going to look more at design.” Part of what the exercise was designed to reinforce is that it’s much easier and cost-effective to build a home with “universal design” — meaning its features are usable by all — from the beginning than to modify a home later. Universal design includes building features that are designed for those with disabilities but are convenient for everyone. Curb cuts in sidewalks, for example, are designed for those who use wheelchairs but are convenient for many. Automatic sliding doors, commonplace at large stores, are another example. “In our day and age of sustainable design emphasis, such universal-designed features in





While studying a floor plan and real world-inspired client case, Penn College students in architectural technology and occupational therapy assistant majors discuss options for making a home handicap-accessible. From left are Mackenzie L. Martin, of Thompsontown and Jessica L. Osborne, of Cogan Station, both pursuing degrees in applied health studies: occupational therapy assistant concentration; Jeanne L. Kerschner, director of occupational therapy assistant; Cayla L. Erisman, an architectural technology student from Johnstown; and Garrett A. Brown, a student in architectural technology from Pipersville.

a home address all people as a result of birth, accidents or age,” said Rob A. Wozniak, associate professor of architectural technology. “These features typically include: • a step-free entry; • accessible horizontal/vertical circulation; including 32-inch minimum doorways; • reinforced walls to accommodate future grab bars; • accessible electrical and HVAC controls; • accessible kitchens, baths and laundry; • and an accessible bedroom on the main floor, as found in Ranch or Cape Cod-style residencies. These features are paramount for ‘SustainABLE’ design.” Linda M. Barnes, associate professor of occupational therapy assistant, said many seek to buy a home — or to modify a home — to accommodate physical challenges: • those who have no immediate needs but want to prepare for challenges that may come up as they age or make their home accessible to visitors; • those diagnosed with a progressive condition that will cause home-modification needs in the future; and

• those who’ve experienced an emergency and need to modify their homes right away. Many of those preparing for their future are baby boomers, who Barnes said will make up onethird of the population by 2020. The boomers own 48 percent of all houses and have 28 percent of the wealth, she said. Wozniak, who coordinated the event for students in a Codes, Specifications and Estimating course, told his class that this expertise could lead to a career specialty. While architects are well-versed in building code, there are no requirements, per the Americans with Disabilities Act, for making private homes accessible, Wozniak said. To learn more about architectural technology and sustainable design majors at Penn College, call 570-327-4518 or To learn about Penn College’s Occupational Therapy Assistant program, call 570-327-4519 or visit For information about Penn College, one among national leader in applied technology education and workforce development,, email or call toll-free 800-367-9222.


ElectroCell effective technology for large HVAC systems

After nearly The resulting two decades of turbulent flow creates more research and development, the contact with future of managthe pipe wall, significantly ing the HVAC enhancing heat systems of large transfer through institutional, the chiller tubes, commercial and leading to imindustrial facilipressive energy ties is here — a savings. revolutionary ElectroCell sideThe sheer stream particle force of the turA recent second generation installation of a single skid ElectroCell System in a large corporate headquarters in the bulent flow also precipitator that Lehigh area. does exactly serves to clean what many meaway existing chanical engineering professionals have been hoping fouling and scaling materials and in turn, prevent the could solve their age-old problems of efficiently and reoccurrence. A clean system works more efficiently, lasts longer and is much easier to maintain. It also economically operating facility HVAC systems. enhances chemical treatment programs, which are A commercial/industrial sophisticated water essential for effective water treatment. filtration system that reduces water usage by up to By significantly reducing backwash the ingenious 30 percent? Cuts energy use by up to 15 percent? ElectroCell System substantially reduces make-up Pays for itself in as little as two years? Installs in as little as one day — with no interference to operation water. It uses only the bleed water that is already going down the drain when the conductivity setpoint of the facility? has been reached. Some say it’s too good to be true. But data from hundreds of field installations with consistent, This approach has provided a fully-automated, rigorous testing proves that it is possible and can be side-stream/skid mounted technology which means NO INVOLVEMENT by the facility’s personnel. They’re achieved every day, week, month and year. Life-long friends and Scranton/Dunmore natives, accessible from multiple devices, including laptops, cell phones, tablets or desktop workstations, so the Paul McLaine and Bill Hannon are working together system’s status can be checked from anywhere. to change the efficiency of cooling towers, chillers and boilers for the better. The combination of McLaine’s technical knowArchaic sand filters, still used in many facilihow and 40 years of electrical design and installations of building automation, Hannon’s marketing ties, are totally ineffective in removing the smaller expertise and a team of national distributors, engiparticles (1-3 microns) that are the majority of the neers, architects, facilities managers and CFO’s of particles in recirculating water systems. (Achieving some of the largest Fortune 500 Companies across high quality filtration with traditional side-stream the country have realized enormous costs savings filters requires frequent backwashing or changing by utilizing the next-generation technologies for their bags.) Sand filters also lead to prolific bacterial growth, which can be extremely counter-productive. HVAC facilities. Legionella (a bacterial respiratory disease) in particuIn the words of an SVP-Energy & Technology COE lar, poses a serious problem, leading some states of a very large international communication corporation, “This is exactly what we have been looking for.” to enact strict guidelines for cooling tower water. ElectroCell helps reduces the risk of developing LeElectroCell Systems directly benefits facilities gionella by eliminating 90 to 95 percent of nutrients with tremendous energy and cost savings while significantly impacting environmental sustainability in suspended solids. McLaine’s patented system utilizes electrohydro- by reducing the Carbon footprint. dynamic (EHD) technology to collapse the laminar Go to for more boundary between the pipe wall and the liquid flow. information.

CPE’s drones enhance services

Criterium Peters Engineers Inc. (CPE) with offices in Berwick and Bloomsburg, announces an innovative technology service they offer to clients and potential new clients. CPE provides building-related inspection and forensic investigation services by using Unmanned Aircraft Systems( UAS), also known as drones. CPE has the capability to enhance its existing building-related services to the insurance industry, commercial, industrial and private clients by the use of UAS for projects which cannot be physically accessed due to life/ safety issues. The firm’s certified UAS/ICC inspectors, registered professional engineers and remote licensed pilots can provide clients with high resolution imagery and associated reports related to building systems. Unmanned Aerial Systems (UAS) offer amazing technology advancements that make the jobs of home inspectors, insurance investigators and commercial building inspectors easier, faster and safer. UAS provide high quality pictures and video for roofs, building facades, joist or areas that you just do not want to climb, it is easier and safer than before. UASs are highly useful in commercial and home inspection situations, because they can easily fly up to a roof, bridge sub construct and other areas that are hard to get to and take videos or capture high-resolution images. Using a UAS saves time and labor, as

our inspectors can simply send the UAS up to the area and gauge the area of interest quickly and efficiently. UASs promote safety during home and commercial building inspections, as the inspector no longer has to risk climbing onto a roof or otherwise putting himself or herself in potentially dangerous situations. UASs allow inspectors to keep their feet firmly on the ground while they perform inspections, take photographs and/or videos of where the damage is and what areas require extra attention. They provide high-quality information. UASs are capable of getting close to their subjects, and therefore, provide the detailed information inspectors need to make on-point statements and diagnose issues quickly.

Unmanned Aerial Systems will: Reduce costs: Our UASs can provide you with the answers much faster than traditional inspections. Saves time: Large areas can be inspected up to 30 times quicker than conventional methods. Improves safety. Improves decision making: You are able to have quick access to imagery, allowing reports to be completed faster and decisions to be made sooner. For more information on CPE services, visit our new website at or call 570752-8044.

Learn more about our services at SERVING CLIENTS FOR OVER 40 YEARS Home & Building Inspections



FOCUS ON ARCHITECTS & ENGINEERS IntegriTec specializes in water treatment When people hear the phrase “water treatment,” they think of drinking water, not boilers or cooling towers. Water treatment is a specialty field. Just as people rely on quality water to sustain life, the condition of the water that circulates within boilers, cooling towers and other equipment is important to protect the longevity and improve the efficiency of that equipment, ultimately protecting the owner’s investment. When the topic of Legionella is brought up, a successful “water treatment” program can actually save a life. Although Legionella usually infects people from airborne droplets, the bacteria can originate from a dirty or fouled cooling tower. The Centers for Disease Control and Prevention (CDC) reports that Legionnaires’ disease appears to be more common in the northeast United States. (CDC May, 2016) A successful water treatment program prevents the Legionella from developing in those systems.

IntegriTec Inc was established in 1999 to provide the water treatment needs of boiler and cooling tower applications, emphasizing the importance of regular monitoring and service, which the owner, Dave Lampart, felt was lacking by others in the industry. The original operation started in a rented greenhouse in White Haven. IntegriTec’s reputation for solving problems and outstanding customer service proved to be their greatest marketing tool. Today, the company has its own office and warehouse in White Haven and presently services accounts throughout Pennsylvania, New York and New Jersey. Throughout the past 18 years, IntegriTec has developed long term relationships in a large range of different industries. From local school districts, universities and manufacturers to out of state paper mills and pharmaceutical companies, the location and industry may differ, but the constant is that they all have successful outcomes — provided by the knowledge, experience and customer service of their entire staff.

Service – Equipment - Chemicals – Consulting Serving Pennsylvania, New York, New Jersey and Beyond!

• Legionella Concerns? • Tower Fouling? • Boiler Tube Failures? • Water Treatment Issues/Concerns? IntegriTec, Inc. has over 30 years of successfully resolving Boiler and Cooling Tower Water Treatment Issues.

5093 N. Lehigh Gorge Rd., P.O. Box 99, White Haven, PA 18661 570.215.0010 |




DeScipio’s brand of Green Design, repurposing give clients return on investment

How do you do more with less? For corporate America the new normal is all about efficiency. Today’s clients, whether a large industrial plant, office building, or a corner shop, have as goal No. 1, to do more with less. It only makes sense after the recession of 2008 forced businesses nationwide to prioritize expenditures, tighten belts and cut back wherever and whenever possible to stay profitable. This is most evident when it comes to capital investment. Long gone are the days of extravagant corporate headquarters and ostentatious signature building designs. Today, the goal is accomplishing more with less.

Both projects began with a solid building structure with good bones. Then through careful planning and management DeScipio stripped the building contents, refurbished the exterior masonry shell, provide high performance windows and insulation, and then installed the most up to date mechanical and electrical systems available, akin to those one would find in new, high-performance structures. The end result is an aesthetically pleasing structure which avoids the costly site work associated with new construction, saving demolition costs and provides lower utility bills because of advanced mechanical and electrical systems.

The proof for the NEPA-CIL building is backed up with the certification by the US EPA Energy Star As an architectural firm, it has become essential program, one of only a select few such buildings in to match the trend by looking for opportunities to the region. This rating is verified by analyzing utility cut costs without compromising quality or service bills for up to one year after occupancy. and deliver clients the best building to meet their In a cost conscious environment it has proven a needs and budget. successful plan to seek opportunities that are right This approach has given rise to DeScipio and at hand. Northeastern Pennsylvania boasts many Associate’s brand of Green Design. DeScipio and masonry structures and industrial buildings that his team have found that repurposing existing buildprovide great opportunity for DeScipio’s version of ings and reducing a building’s energy consumption “Green Design.” increases their client’s return on investment. Joseph DeScipio is owner and project architect DeScipio and Associates architectural ideoloof DeScipio & Associates Inc., based in Elmhurst. gies are demonstrated in a number of past projects For more than 25 years, DeScipio & Associates including: Northeast Pennsylvania Center for Inc. commercial architectural has provided design Independent Living (NEPA-CIL), Scranton, formerly services to a wide variety of clients across Norththe Prestwood building and The North Valley Loft eastern Pennsylvania ranging from code reviews Apartments, Olyphant, which was formerly the to building design, as well as mechanical, electrical WEA manufacturing facility now owned by local and plumbing engineering. developer John Basalyga.

DeScipio & Associates, Inc. Architecture Project Management



Martin Rogers is focused on the future With a strong commitment to the region since 1960, Martin Rogers has been a one-source stop for engineering services. Based in Wilkes-Barre, the 28-person firm provides mechanical, electrical, plumbing, fire protection engineering and lighting design. The firm prides itself on being a reliable, dependable partner in all of their engineering endeavors and has had the privilege of working with some of the finest clients in the region. Martin Rogers core values, reliability, organization and efficiency, have remained a focus of the firm since its inception. While the firm has provided engineering services in numerous markets, Martin Rogers has a particular focus and expertise in the healthcare and educational market areas. Many of these institutions have been clients of the firm over many years and have had numerous project completed by the firm’s experienced professionals. Martin Rogers healthcare experience includes in excess of 500 completed projects within the last five years. The projects are both for inpatient and outpatient facilities and has involved full medical centers as well as specialty spaces. Martin Rogers

has worked with notable health systems including Geisinger Health System, UPMC Susquehanna, Lehigh Valley Health Network, St. Luke’s University Health Network, Guthrie Health System, various Veterans Affairs Medical Centers, the Penn State Milton S. Hershey Medical Center, Community Health System and Laurel Health System, among others. The firm has also provided engineering services for both renovation and new construction projects for the education market. Martin Rogers has provided not only a full suite of engineering services, but has also conducted feasibility studies and master plans. Clients have included Bloomsburg University, Wilkes University, Misericordia University, Bucknell University, King’s College and Penn State. Always focused on the future, the firm has embraced a variety of emerging innovations and design concepts in the industry, such as LEED/sustainable design, building information modeling (REVIT) for 3D design and coordination and building energy modeling. Martin Rogers strives to employ these progressive concepts for the benefit of our clients, their projects and our collective future.




Specializing in Healthcare and Higher Education, since 1960 Martin Rogers has been the single source for mechanical and electrical design to the architecture, engineering and construction industries. Services provided include: • • • • • •

Mechanical Engineering Electrical Engineering Plumbing Design Fire Protection Design Sustainable Design Lighting Design

Penn State - Wilkes-Barre

Hybrid Operating Room

185 N. Pennsylvania Ave., Wilkes-Barre, PA 18701

570-826-1000 •

HRG serves public and private sector clients Since the beginning of the small Municipal Separate Storm Sewer System (MS4) program, Herbert, Rowland & Grubic Inc. (HRG) has worked to help municipal clients understand the intricacies of the program’s compliance standards. We have been instrumental in helping municipalities obtain the original and renewal MS4 permits and have provided guidance to ensure the following six minimum control measures that operators of regulated small MS4s must incorporate are addressed in their stormwater management program: • Public education and outreach on stormwater impacts; • Public involvement/participation; • Illicit discharge detection and elimination (IDD&E); • Construction site stormwater runoff control; • Post-construction stormwater management in new and re-development activities; and • Pollution prevention/good housekeeping for municipal operations. As part of the permitting process, HRG has submitted notices of intent (NOI) and developed

total maximum daily load (TMDL) pollution prevention plans for a multitude of clients. Once an MS4 permit has been obtained and a stormwater management program is in place, HRG plays an ongoing role in overseeing the plan in an efficient, cost-effective manner. A representative list of MS4 services includes: • Written public education and outreach programs; • Yearly public awareness meetings; • Illicit discharge detection and elimination inspections; • Inspection of development sites for erosion and sedimentation (E&S) controls; • Review of stormwater management plans and inspection of post-construction stormwater management controls; • Training and tips for municipal good housekeeping operations; and • Submission of annual reports. Each client’s program is specifically tailored to their needs while taking advantage of the economies of scale that occur by providing these services to more than a dozen clients.




Clues to heart failure could lie in the blood

Heart failure means the heart can’t keep up with its workload — providing your body with the oxygen and nutrients it needs — by pumping enough blood. “While initially understood to occur when the heart was severely weakened by heart attacks, viruses or genetic mutations, heart failure can occur without any apparent weakness of the heart muscle,” said Nancy K. Sweitzer, M.D., director of the UA Sarver Heart Center, professor of medicine and chief of the Division of Cardiology in the University of Arizona College of Medicine ��� Tucson. In heart failure with preserved ejection fraction, or HFpEF, the heart can’t fill normally with blood because the muscle is stiff or thickened. HFpEF, which affects about half of the nearly 6 million U.S. adults with heart failure, remains an enigma to many researchers, including Sweitzer, who plans to compare blood proteins to study why some people with HFpEF do poorly and others do well. “We will measure blood protein levels in patients with HFpEF who die or are hospitalized compared to healthier patients,” said Sweitzer, one of 10 researchers each recently awarded $160,000 by the American Heart Association, with funding from AstraZeneca, to study new ways to individualize the treatment and prevention of heart disease. HFpEF hits older people, especially women, more frequently. Because of the aging population, the prevalence of the condition is increasing. It frustrates doctors because it’s hard to diagnose and there is no test to implicate the disease when people experience symptoms such as shortness of breath. And while there are treatments for heart failure’s risk factors, there is no cure for the condition. Sweitzer said her team will use a technique that

tests a large library of proteins to see what turns up. The hope is that it will provide new clues about why HFpEF happens and why some people become very sick — leading to new treatment possibilities. Identifying proteins in this work will provide clues to biologic pathways important in HFpEF. Scientists can then study those clues to improve understanding of HFpEF and develop treatments better targeted at the actual disease mechanisms, she said. “It has been suggested that HFpEF is actually more than one disease,” she said. “We will also look for protein signatures in subpopulations of HFpEF patients to see if we need to treat different things in different people.” The need to take a deeper dive is critical, Sweitzer said. “HFpEF is one of the few heart diseases affecting increasing numbers of people each year. It accounts for a disparate amount of Medicare spending,” said Sweitzer. “Use of discovery proteomics holds promise to unlock clues about why this disease happens, and when it does, why some people land in the hospital with severe, even life-threatening illness, while others are only mildly short of breath.” Heart failure, one of the most common reasons people 65 and older go into the hospital, is being studied from different angles. Another researcher, Sanjiv Shah, M.D., director of the heart failure with preserved ejection fraction program at Northwestern University, is examining why some people with high blood pressure, a major risk factor for heart disease, develop heart failure while others don’t. Source: American Heart Association News This is one in a series of Cardiovascular GenomePhenome Study Discovery grants to speed personalized treatments and prevention for heart disease.




HEALTHCARE RHS receives cardiac cath lab accreditation The accreditation takes into Commonwealth Health Regional Hospital of Scranton has been notified that it is the first hospital consideration: • standardized assessment for patients before in the nation to receive full Cardiac Cath Lab accrediundergoing a heart cath to ensure quality and tation from the American College of Cardiology. patient safety; “This accreditation reaffirms what we at • care coordination in the procedure room for Regional Hospital believe and what many patients in sedation, infection control, radiation safety, universal Northeastern Pennsylvania have experienced here, that our cardiac care is of the highest quality,” Justin protocol, and time out procedures; and • appropriate handoff to a cath recovery unit to Davis, CEO of Regional and Moses Taylor hospitals, better monitor and track complications, enhance said. “We are extremely proud of our entire team physician-to-patient communication, patient family and the excellent, compassionate care that we communication, discharge instructions, and followdeliver.” Regional Hospital is in the midst of a $15 million up information. ACC’s Cardiac Cath Lab Accreditaproject that includes the construction tion process came about as greater of a new home for the Heart & Vascular numbers of facilities in the United Institute and an expansion of its intensive States sought to establish standards care unit. The project is expected to be and adopt best practices in the quality completed in late spring. of care provided to patients needThis is the second first-in-the-nation ing cardiac cath lab services. The certification by a Commonwealth Health accreditation process ensures that hospital. In 2015, Moses Taylor Hospital Kumar hospitals meet or exceed stringent became the first hospital in the United criteria and undergo a comprehensive States to earn The Joint Commission’s onsite review by a team of accreditation Gold Seal of Approval for Perinatal Care. review specialists. Perinatal care refers to the care of mother Elaine Walker, program director of and child before, during and shortly after the Heart & Vascular Institute at Rebirth. gional Hospital, said the accreditation is Davis said the cardiac cath lab aca reaffirmation of the hospital’s history creditation is validation that Northeastern of quality cardiac care. Pennsylvania residents have access to Mileski “Our cardiac catheterization lab exceptional care in their own backyard. has always provided safe quality care “In the past, people in our community had to travel to hospitals in larger cities for special- to our patients in the community,” Walker said. “The American College of Cardiology Cardiac Cath ized treatment,” Davis said. “That’s no longer the Accreditation recognizes and validates this by lookcase. We are performing procedures and offering ing at the processes of care we give to the patients services that allow local residents to receive the every day.” finest care close to home.” Cardiologist David FitzPatrick, M.D., credits the Cardiac catheterization labs are critical points of care for the millions of patients suspected of having a exceptional teamwork of cardiologists, cardiac and heart attack each year. It is essential that those in need vascular surgeons, nurse practitioners, nurses, technicians and support staff who work together to of heart catheterizations receive the safest and most appropriate lab procedures. By raising the bar for clini- provide the best care — from cardiac catheterizacal practices in the cath lab, patients should anticipate tions to open-heart surgery. Sridhar Sampath Kumar, M.D., is medical better outcomes and more effective treatment. This accreditation means that Regional Hospital director of the cardiac cath lab and Mark Mileski is clinical director of the cardiac cath lab. has demonstrated that it actively incorporates pro“We have an excellent team and the establishcess improvement, evidence-based science, and the ment of our Heart & Vascular Institute and the Consensus Document for Catheterization Laboraconsolidation of all of our cardiac services into one tory Standards created by the ACC and the Society general area will only improve the care we have to for Cardiac Angiography and Interventions into its offer our community,” FitzPatrick said. cardiac cath lab procedures and protocols.


Cardiac Care: Men and heart health boom in cardiac science, no single physician can keep up with all of the progress. Therefore, a team approach has become the norm, as input is attained from various cardiac specialists.

By Dave Gardner

America’s men may be their own worst enemy with heart health, but they also are benefiting from advancements in cardiac science that resembles technology from science fiction.

“Often one clear-cut treatment approach will emerge,” said Dr. Casale. “In other cases, where multiple possibilities exist, the patient must make decisions about which path to follow.”

Men are often resistant to reporting heart symptoms and their compliance with physician instructions may lag, but all patients are enjoying superior diagnostic technologies such as MRI movies of blood flow within the heart. Genetic scientists are also “reading” individual DNA codes that identify higher risk factors for cardiovascular disease, which may avoid cardiac events.

Cardio education When it comes to training tomorrow’s physicians to handle cardiac problems, student time spent in clinical interaction with patients is vital, according to Sridhar Sampath Kumar, M.D., assistant professor of medicine with the Geisinger Commonwealth School of Medicine. Substantial practice is needed for a physician to effectively learn how to recognize a patient’s body language and detect subtle clues to disease.

On the treatment front, cardiac electrical problems that cause atrial fibrillation can now be treated by a technique known as ablation. During this procedure physicians heat or freeze problem tissue in heart with a catheter inserted through an artery, thereby curbing the troublesome electrical impulses. Through related technology, pacemakers have been reduced to the size of a coin and may include a monitor that activates the device only when it is needed. External vests can also be used by a patient after the heart’s electrical system malfunctions. Stents placed through arteries in the wrist or groin to open blocked heart arteries are bio-absorbable and have a medicated coating to prevent further blockage at the site, and heart valve implants are accomplished through an artery without open heart surgery. This exciting procedure, known as transcatheter aortic valve replacement (TAVR), uses a collapsible valve that expands when in place and presses the malfunctioning natural valve against the sidewall of the heart. Big news also marks physician efforts to lower patient harmful cholesterol, known as LDL. This involves the administration of new drugs, known as PCSK9 inhibitors, that work by inactivating a specific protein in the liver and requires only a simple injection in the thigh twice a month. Difficult diagnosis For the cardiologist, men can still be frustrating to diagnosis. David Fitzpatrick, M.D., cardiologist with Great Valley Cardiology, confirms that both sexes can benefit from the new global cardio technology, but men may avoid contacting a physician even though they are experiencing classic cardiac symptoms such as pressure or tightness in the

central or left chest, neck or arm discomfort, shortness of breath, nausea and sweating. According to Fitzpatrick, diabetes can also cause heart problems to be “numbed” because the associated nerves which would communicate symptoms to the brain have been blunted.

Anyone with cardiac symptoms considering calling an ambulance should do it. Medical science can only fix what it becomes aware of and even though death from heart attack used to happen 25 to 30 percent of the time, survivor numbers are now booming. — Alfred Casale, M.D.

“Anyone can present with a silent attack, but diabetes is frequently behind a lack of symptoms,” Fitzpatrick said. “From the standpoint of risk factors, smoking still tops the list, but diabetes from obesity is definitely a problem.”

Compliance in post cardiac event patients is another problem, with men making up a large percentage of those patients who do not follow the instructions of their cardiologist. Fitzpatrick explained his caregiving team emphasizes the importance of proper compliance after surviving an event and the caregivers seek to motivate the patient to exercise and consumer a healthier diet.

“Some patients do change their ways, but various degrees of compliance exist and most patient behavior involves various shades of grey,” he said Alfred Casale, M.D., cardiovascular surgeon and chair of the Geisinger Heart & Vascular Institute, said many men may hesitate to seek care despite the onset of classic heart attack symptoms. For these men, their responses may include only taking an antacid because they believe they are still physically bullet-proof.

“Martyrdom is really an over-rated behavior,” Casale said. “Pseudo-bravery kills.” He urges anyone with cardiac symptoms considering calling an ambulance to do it. Medical science can only fix what it becomes aware of and even though death from heart attack used to happen 25 to 30 percent of the time, survivor numbers are now booming. Casale emphasized that because of the recent

“It takes years to hone these observational skills,” Kumar said. “Just because a patient is in the office does not necessarily mean they have a cardiac problem. Anxiety, depression and poor coping skills can mimic heart problems and male patients are definitely included in this.” He also described how women, as a group, participate in more physician visits than men, and often serve as the catalyst to nudge a male into a doctor’s office. When this happens, the physicians receives an opportunity to make an intervention, but must act like a friend of the patient and definitely not a superior. Controllable risks may become the focus of the patient and physician interaction, as the doctor helps the patient understand the realities of their situation. By time they are 50, many men have been long-term smokers and may have diabetes due to obesity. When heart disease has been established, the cardiologist’s goal is to reduce the progression of the disease. In the case of openly self-destructive patients, the physician must recognize that root problems are at work and then play the role of psychologist to identify problems with work, spouse, children or possibly parents. “It’s not always easy to achieve patient compliance,” Kumar said. “If we ask a patient to give up red meat, it may come down to simply telling them they’re not 19 years old, not still growing and don’t need all of that protein.”




What does it take to crack the elder care conundrum?

Stephanie Cabello, M.D., an internal medicine physician with Geisinger Wyoming Valley Medical America’s geriatric physicians are facing a monu- Center, sees an elder care environment where mental task. According to data compiled people are living longer but receiving by the Kaiser Family Foundation, Medicare less support. Often, their adult children benefit payments totaled $632 billion have moved away leaving the elderly during 2015 and 10,000 baby boomers parents to deal with any combination of will be added every day to its roster for diabetes, hypertension, cardiovascular the next 13 years. disease, cholesterol problems, osteoarComplicating the work of physithritis and dementia that may be rooted cians are comorbidities found in elderly in Alzheimer’s disease. people and those not so old. Mario Escalating costs may actually deter Cabello Cornacchione, D.O., associate professor physician visits for these patients, with with the Geisinger Commonwealth some choosing between their need for School of Medicine, explained that many medications or meals. In these cases, patients over 65 actually have three a trained R.N. case manager can assist conditions, with COPD, cardiovascular these patients to avoid hospital visits problems and dementia all common. and connect with a physician. According to Cornacchione, a stan“Encouragement is vital if a patient is dard 15-minute office visit is not enough going to connect with their doctor, trust Cornachione time for a primary care physician to deal them and accept their advice,” Cabello with all the conditions — the primary said. “Repetition with a message to the care doctor is responsible for the care of his or her patient is also important.” patients with all their co-ocurring states. Cabello stressed that successful treatments Medical home care systems can help to involving comorbidity must deal with illnesses as coordinate care at one spot, but in health care that though they are interconnected. She will somerelies on strict use of clinical practice guidelines times attack the worst problem first, but is careful comorbid issues are not addressed with integrated to not overwhelm the patient. treatment plans. The future of geriatrics, as Cabello sees it, In addition, incentives are often paid to physiincludes increased patient numbers and escalatcians to employ specifics for compliance within ing comorbidities.This can be battled with patient these guidelines. Comorbidity complicates this sys- understanding of behavior and consequences of tem, so patient life expectancy must be addressed noncompliance. within clinical practices. “We also can expect breakthroughs from “Unless we develop a formal system to treat expanding global research into the hereditary influeach comorbid patient within their unique situation, ences of disease,” she said. care will be spotty at best,” Cornacchione said. Geriatric care is also facing challenges that Another big challenge facing the system involve the costs of Medicare Part B and pharmainvolves a shortage of trained caregivers. The num- cology use, according to Matthew Haley, D.O., who ber of medical students who chose geriatrics or operates a family practice in Carbondale. These family medicine as a specialty has declined, fueled financial burdens are prohibitive to needed care, by the reality of lower financial rewards for these but Haley noted that annual wellness visits for physicians that have been financially burdened by patients 65-plus is free with Medicare. crushing educational debt. “We actually call the patient about this free well“We’re facing a future with an overwhelmed ness visit, but unfortunately many are skeptical and system, a lack of trained providers and big avoid it,” Haley said. “I suspect Medicare may soon unknows about the continuation of Medicare,” mandate this visit to the office, because of the big Cornacchione said. push now occurring with prevention.” By Dave Gardner

“Visiting Nurse Association’s team provided excellent care for my beloved wife in every way, until her final day. Thank You VNA Hospice for being an important part of our lives when we needed you.” Tom Galella

Servicing Lackawanna County & Surrounding Communities





WAYNE MEMORIAL HOSPITAL Cardiac catheterization procedures to diagnose and treat heart disease, including PCI or angioplasty with stenting. 601 Park Street. Honesdale, PA 18431(570) 253.8100 •





Common medical conditions in older adults Americans are living longer and healthier lives. Even so, many older adults develop geriatric syndromes, which are problems that usually have more than one cause and involve many parts of the body. There are many treatments available for these conditions that can help maintain independence and quality of life. For more information on the individual conditions visit Some conditions are: Bladder control problems Lack of bladder control, or urinary incontinence, can lead to problems such as falls, depression and isolation. In most cases, incontinence can be cured or greatly improved with treatment. Sleep Problems Sleep problems can affect quality of life and can contribute to falls, injuries and other health problems. Delirium Many older adults who go to the emergency room or are admitted to the hospital develop delirium, a state of sudden confusion and a medical emergency, similar to chest pain. See for signs. Dementia Dementia, is a memory problem significant enough to affect a person’s ability to carry out usual


nursing care, home health assistance, speech, The comorbidities Haley deals with often physical and occupational therapy, social work, feature smoking as a root cause or complicating post-surgical care and wound care. Most are 60 factor. He may be able to use one medication to and older and in many cases, their comorbidity is treat several problems, such as an anti-depressant rooted in obesity. to help stop smoking, but at the end of the day “Patient non-compliance is very common, patient compliance is the top issue, followed by and we deal with a lot of dietary and behavioral money issues. problems, Greco said. “Eating healthy can be very Some family physicians with forceful mannertough on a fixed income and often these patients isms may chase a patient away due to their personal also can’t afford their medications, so a social presentations. Haley consciously befriends his worker will visit and counsel them.” patients, establishes trust and makes recommendaGreco’s enterprise within Wayne Health is tions each time the issue of compliance is adalso facing financial stresses. She said costs for dressed. Changes to patients’ lifestyle can be forged supplies such as dressings, equipment, technolover time ogy, beds, and pharmacology are escalating while “It can take time to educate a patient so that they funding has been dropping for years. make the best choices for themselves,” Haley said. The sheer numbers of patients with dementia Indispensable support is also escalating, and many do not present with Home health is another vital and expanding physical illness. In these cases, Greco’s staff canarea of geriatrics. Lisa Greco, R.N., manager of not stay with the patient, placing terrible burdens home health and hospice with the Wayne Memorial on the families. Health System, supervises a staff of 35 and deals “Tele-health could become an alternative for with patient admissions, apart from hospice, that a lot of these situations, but right now Medicare exceed 1,000 annually. won’t pay for it,” said Greco. “Just giving the These patients need services that include skilled patient more meds is the easy way out.”

tasks. While the most common cause is Alzheimer’s Disease, there are many other types. Falls Falls are a leading cause of serious injury in older people. There are many risk factors for falling, including safety hazards in the home, medication side effects, walking and vision problems, dizziness, arthritis, weakness and malnutrition. Like other geriatric syndromes, falls usually have more than one cause. Osteoporosis Osteoporosis, or “thinning bones,” is a condition that makes the bones of older adults more fragile and easy to break. Women 65 and older and men over age 70, should get a bone mass density (BMD) test. Increased calcium and vitamin D intake, strength training exercises, keep bones healthy. Weight Loss Weight loss can be caused by the diminished sense of taste that comes with aging, or it can be a suggestion of an underlying serious medical problem. No matter the cause, weight loss can lead to other problems, such as weakness, falls, and bone disorders. Source:

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Since 1988, NEPIRC has been working with manufacturers to improve their productivity, profitability, competitiveness and long-term viability through consultative services.

Manufacturing always the hot topic at NEPIRC Manufacturing – it’s everywhere you look these days, especially as President Trump begins rolling out his domestic agenda. On the campaign trail, candidate Trump spoke frequently about his plan to move manufacturing to even greater heights across America. Soon, we’ll learn how he’s going to implement that strategy

the only expert they use for outside advice. Many of the bigger companies, too, such as Tobyhanna Army Depot, Gentex, Lockheed Martin, General Dynamics, and Medico Industries have also benefited from NEPIRC’s consulting prowess and hands-on approach. “We pride ourselves on customized solutions and services that assist local manufacturers to solve their issues swiftly, at an affordable investment, and in a way they can sustain over the long-term,” noted Eric Joseph Esoda, president and CEO of NEPIRC. “Our federal and state support allow us to call on manufacturers overlooked by national consulting firms, and In Northeastern and the Northern Tier our in-house experts are as good or better than NEPIRC President & CEO Eric Joseph Esoda addresses the crowd of Pennsylvania, manufacturing already at Manufacturing Day 2016 any others, which allows NEPIRC to get the job commands a dominant position as one of the done cost-effectively and confidently.” region’s largest and best paying sectors. NEPIRC also provides manufacturers with access to six other industrial resource Both urban and rural Pennsylvanians understand the breadth and scope of the more centers across Pennsylvania and a national network of nearly 60 centers of excellence than 1,000 manufacturers who call this region home. that offer specialized consulting services through the U.S. Commerce Department’s The Northeastern Pennsylvania Industrial Resource Center (NEPIRC), Hanover Manufacturing Extension Partnership Program. Township, is the federal and state recognized not-for-profit corporation charged with With a staff of nearly 15 engineers, finance, business development and educational assisting local manufacturers to better plan and execute their growth strategies. consultants, NEPIRC has a history of finding solutions for manufacturers that allows Last year, alone, after working with more than 180 companies in an 11-county area them to respond to changing market demands and conditions. of Northeastern and the Northern Tier of Pennsylvania, NEPIRC’s independently Other services such as educational forums on important business topics, an in-house reported achievements resulted in company successes that included: additive manufacturing prototyping lab and promotion of National Manufacturing Day • $267.4 million in new and retained sales help NEPIRC to bolster its position as manufacturing’s resource for profitable growth. • 1,796 new and retained jobs • $36.7 million new client investment

This feature is sponsored by...

• $20.1 million cost savings Whether assisting companies with process improvement activities, leadership training, the achievement of international quality standards or providing consulting services aimed at reshoring goods and services, improving marketing and customer diversification activities, or identifying funding to upgrade equipment and technology, local manufacturers rely on NEPIRC for affordable and targeted consulting services. All are aimed at small to mid-size companies, which often don’t have access to other technology or consultative resources. In fact, for nearly 40% of its clients, NEPIRC is




the small business spotlight is on:

Finding therapy in Pure Suds

Greenfield Power Equipment, Clothing and Footwear

By Denise Rizzo and Carolyn Giordano

Jessica Colvin, a native of the Abington area is the owner of Pure Suds Co. in Clarks Summit. When Colvin opened shop on South State Street last June, it was the first time Pure Suds Co. had a store front, however Colvin has been in business online and from her home since 2010. She originally worked at animal hospitals and then ran a small breeding business for two years. She moved on to her other interest with Pure Suds Co. and the experience and autonomy she gained from running the breeding business ignited a passion to sell her “therapy.” Therapy in the form of soaps, lotions and shea whips was given away as gifts in the beginning. Soon though Colvin began to receive requests.The increasing demand led to the now profitable enterprise. Like most other entrepreneurs Colvin faced a fair share of struggles. One of the first problems was figuring out where to base her store. As of last June Colvin was making her products at one household, selling her products out of another household and had all of the paperwork in a third household. This made for a disorganized and unproductive work environment. Finding a storefront was important but even that came with a whole new set of struggles. Some of those struggles were sticking to a budget and employee development and retention. Her biggest struggle though was separating personal and professional matters with employees. Often working with good friends or family can be difficult because you know them as more than just an employee. Initiating a type of formal training program for workers helped to more distinctly separate the work roles, Colvin said. Finding motivated and excited workers and retaining them is another one of her challenges. Pure Suds Co. offers natural, organic products handmade at the store. Best sellers are shea butter whips. An observer sampled one and said she loved it. Some of the other products are soaps, teeth whitener, bath bombs and a large selection of raw ingredients. Colvin also sells bath teas, clays and salt and sugar scrubs. The journey from making soaps as a personal catharsis to owning her own business was not an easy one, Colvin said, but one thing she has

Eynon, PA 570-876-8300 Member since 2013

Carolyn giordano, left, and Jessica Colvin

learned from her experience, is that there is never a “right time” to do anything. It always felt like a risk because that is an inevitable part of entrepreneurship. The most important key to her success, Colvin said, is to focus on the present and that will pave the way for the future. She offered this piece of advice to all aspiring entrepreneurs: “make sure to take time for yourself to recharge. Entrepreneurship is an allconsuming process, and you do not want to burn yourself out, or miss out on the fun in life and the business that you love.” Check out Pure Suds Co. at 320 South State St., Clarks Summit and at It also has a presence on Facebook, Twitter and Instagram. Denise Rizzo and Carolyn Giordano are interns with the Women’s Entrepreneurship Center at The University of Scranton under the supervision of Donna Simpson consultant manager. Rizzo and Giordano are both Kania School of Management students and members of the Lady Royals basketball team.


Celebrating Women entrepreneurs

munity. By early spring, outdoor power equipment will be available in the fourth section of the building. Service and repairs will be at our original location in Greenfield Township.

For Greenfield Power Equipment, Clothing and Footwear, two locations give the business twice the opportunity What can people get at your store to serve its customers. With the openthat they can’t get elsewhere? ing of the store’s second location on We are told our selection of products the Scrantonis larger than Carbondale any other locaHighway in tion in the area. November 2016, Two brands we owner Jeff Kacarry that are vulich and the not available rest of the staff in the immehave had the diate locale opportunity to are Stormy meet new peoKromer wool ple and cement vests and hats the business’s and Heritage From left: linda parlanti, Jeff Kavulich, owner, niki presence in the hand-crafted Wagner and rhonda butler. community. footwear from Meet Jeff and Red Wing, all Greenfield Power Equipment, Clothing proudly made in America. Our staff is and Footwear. prepared to help in your decision-making, if necessary, with their knowledge Could you tell us about some of of product. Our time is yours. And we the items you sell? order weekly, so special requests are The brands Carhartt and Red Wing not an issue. have been staples in the world of rugged clothing and footwear for more How important is it for a small than a century. In addition, we offer business to participate in the Ariat western-style apparel and boots. community? We carry specialty items such as dufSmall business is the community. The fels, backpacks and tool bags plus dog interaction with customers can only beds, collars and leashes from Carprovide a win-win relationship, whether hartt, collector knives made exclusively on an individual basis or part of a for Carhartt by Case and everyday church, organization or special event. knives from Noble Outfitters. We also carry protective apparel for the gas How do you see the Chamber industry, linemen, welders and anyone helping your business? needing flame-resistant protection. What better advertising than the chance to be featured in the “Small Why did you choose your Business Spotlight?” Additionally, the new location? educational sessions are invaluable. Our new location provides greater The Chamber also enables so many venvisibility and usable space. Plus, we ues to showcase their specialties and now own the facility, which means we provide the opportunity for members to have a greater investment in the comnetwork in a pleasant environment.




Do you have what it takes to start a business?

Financing “the dream” is challenging in any economic situation and borrowing from family and You want to start a business and you friends offers entrepreneurs quick, start have the need in mind that you want to fill. up cash especially for business people As an entrepreneur you are willing to take without a strong credit record. Hutchins on the financial risk to realize your dream, said that if a start up is financed this and the lifestyle sacrifice of an entrepreway, the entrepreneur and financier neur with no paid vacations, benefits or should draw up a formal agreement to retirement funds are hurdles you are sure bypass any trouble down the road. you can withstand. Where do you begin, The Small Business Administraand how can you raise the money you’ll tion offers loan programs for specific Hutchins need to make your purposes and Small dream a reality? Business Development First, consider Centers like the SBDCs the 20 questions at the University of that the The Small Scranton and Wilkes Business AdministraUniversity provide edution has constructed cational programs and to determine if you no cost, confidential, have what it takes to consulting services to become an entrepreentrepreneurs lookneur. You can find ing to start a small the questions on the business or grow an SBA website at sba. existing small business ESSA corporate headquarters gov/starting-business/ in Northeast Pennsylhow-start-business/20vania. SCORE chapters questions-starting. ( are a valuable If your answers convince you you’re on the asset to entrepreneurs, Hutchins said. right track, you will also have some of your reIt’s important to note that SBA loans are vetted search done, which is a starting point, according to and made by lenders that comply to SBA prinLisa Hutchins, commercial loan manager for ESSA ciples. ESSA, for one, makes small business loans Bank & Trust, headquartered in Stroudsburg. and offers a full-line of business lending products A business plan continues the analysis, projects including commercial lines of credit, municipal the goals of your company several years into the government loans, commercial letters of credit, future and sketches out how revenue will be grown. commercial and industrial term loans, commercial It also describes your potential business and the construction mortgages and commercial construcfactors that make it different from other enterprises, tion-to-permanent mortgages. Hutchins noted. Also, it’s vital for your appointment To assist in the process of securing a business with the loan professionals at your bank. loan, security in the form of real estate or equip“You need to be prepared,” she said. “Do your ment will make your credit relationship with the legwork and research. Identify your needs and the bank less of a risk, “You do need equity,” Hutchins use of your funds. Are you buying property and said. It varies, but 20 percent is generally the equipment? What’s the cost?” amount required.” In today’s political climate people are still openIf she could give any stronger advice it would ing businesses and policy is talked about on news be this: “Be committed. You have to know that this shows and in boardrooms. Entrepreneurs must is on your shoulders and you have to be able to do understand how legislation, as democratic adminthings for yourself. Ask for help when you need it.” istrations change, can affect their plans.“There are For more information, contact Lisa Hutchins at always risks,” Hutchins said. “Know the economic ESSA Bank & Trust at 570-422-0198. policy and recognize the risks.” By Christine Fanning





When launching a new brand, be ready to tell a good story think very carefully how to ride the brief wave of interest in a new launch. Human beings love a good story. In fact, we Here are three tips on the right ways and the live for them. Every day, we listen to and tell a wrong ways to go about a new brand never-ending series of stories from the or rebrand launch: most mundane, “I found a five-dollar 1. Be ready — be sure you have bill today,” to the most dramatic, the full story ready to tell about why “you’ll never guess who’s pregnant!” you have created this new brand, And, while a few of the best stories what is special about it and where you can be told over and over, for the most intend to take it. Brands that launch part, we crave what’s new. We want to claiming three new features “and more know the latest, the freshest, the neverto come” are not ready. The world will Taylor told-before-now stories. This is why want to know what “more to come” some of the most popular means and, without an programming on TV is called answer, will turn to a new There are no do-overs. simply “The News.” And also subject (not your brand’s). Most stories are only worth why it’s on at 5 a.m., 6 a.m., 2. Have enough telling once. That’s why the noon, 5 p.m., 6 p.m., 7 p.m., substance — a few years professionals work hard 10 p.m., 11 p.m. … We ago, the clothing retailer to get it right can’t get enough of it. GAP launched a new logo, News professionals but that was pretty much are adept at summarizing a typical story in 90 sec- it. It wasn’t tied to a new retail strategy or a shift in onds, a few hundred words, or sometimes a mere its branding. It was just a new logo. And with no 140-character tweet. They gather the facts, put story behind the change, it was quickly critithem in relevant terms and report it to their audicized and withdrawn just four days later by their ences who wait breathlessly for the next tidbit. management, which tried to pass it off as “market We have specialty news programs and publiresearch.” Sure, I’ll buy that. After all, they learned cations like sports, business, entertainment and a lot about what not to do. politics. There is a huge media jungle looking for 3. Keep a lid on it—the worst way to launch the latest big thing and an even bigger audience of is to have news leak out ahead of your planned consumers logged into their Facebook accounts introduction. This happened to Microsoft in 2014, and just waiting to pass on today’s news. when their rebranding plans for recently-acquired But, here’s the catch, there are no do-overs. Nokia escaped to the interweb. This effectively Most stories are only worth telling once. That’s why undercut their plans to phase out Nokia gradually, the professionals work hard to get it right the first and forced them into a defensive discussion of time. It’s the same reason you can’t re-tell a joke their brand strategy. So, don’t let the word get out, when you forget a key part of the setup. It’s once which, of course, is easier said than done. and done. Ha ha, very funny. Time to move on. You’ll only get one chance to be truly new with If only more brands would realize this when your brand launch. Be sure to make it newsworthy. they launch a new product, or rebrand, they might Dave Taylor is president of Taylor Brand Group, a experience more success in the long-run. Like the company that focuses on developing brand strategy and ongoing brand marketing. Based in Lancaster, news, brands only get a short time to be truly new. A new business, or a new product or service, must Taylor Brand Group works with national and regional By Dave Taylor

clients. He can be reached at 717-393-7343.



Networking the economy

Sharing the Story of Our Heritage

would become an important part of the regional networked economy. To focus attention on economic development, Still, another factor would be increasing an there is a need to network the economy of the environmental capacity to meet the needs of Pocono-Northeast. By this is meant greenways, parks, open space and other the ability to bring together the various techniques that are critical to a better elements that dictate the extent to which quality of life for residents and workers the economy can grow and change for in the region of all age groups. the better. The closeness of the economy to the This can be accomplished through environment was met in the 1970s when networking of actions and entities that the then Economic Development Council have something to do with economic of Northeastern Pennsylvania( EDCNP) Grossman development. completed the first regional plan in the The people, entities or organizations, history of the region with an environmenpolitical bodies, communities, natural resources tal base to it. That plan was used for many years and and a host of other components help secure a set a tone for at least a decade after Tropical Storm framework for economic development beyond Agnes wrecked a good part of the region in 1972. An traditional sources. updated plan with similar processes would be an imA full range of economic development to be portant part of a networked economy or the region. undertaken across the region in transportation Still another avenue to pursue would be a new systems, the arts and cultural facilities, media look at all of the communities in the region to components, social services, environmental determine their current and future role. Are they assets, physical features and people willing to sufficiently organized and structured to meet the volunteer their time and in some cases, money needs of a networked economy? They might well enable this networking. be, however, a new look at their capability would be The new approach makes it imperative that helpful in identifying their capacity for the future as there be a global setting to how the economy is part of a networked economy. handled, especially in the years ahead. The region The natural resources of the region have always cannot ignore foreign entanglements and many been a critical part of the networked economy, steps are made by the state to have offices and but have they been examined in a recent context representatives in different locations worldwide. for determining how they fit into the theme of a The industrial development authority (PIDA) future networked economy? Some analysis should program, the birthplace of the Industrial Revolution be made of the various features that are critical to and “the greatest regional economic comeback how the economy will work in the next decades , in the history of the United States” are elements A demographic profile should be evaluated though that have marked a major stage in the region’s the fine work of the NEPA Alliance. This should economic history. include an analysis of worker performance and The networked economy that will drive the trained ability to meet the needs of the regional engine of the future will be comprised of politieconomy ahead. cal leadership from those who chose to actively The various assets such as transportation, participate at the electoral level and (perhaps) the cultural and sports facilities and venues, travel derole of young leaders who graduate from the many velopment and tourist agencies, all economic develleadership programs that now exist inside the opment organizations and may others form part of region. the networked economy of the Pocono-Northeast. What may be needed is a regional leadership A listing of all components and a brief statement program, since it is a next step in the process of as to their role would be an important contribution building a networked support for political leaderto a basic framework of support that will enhance ship across the region. Another step would be the ability of the present economy to support the a social service analysis similar to what former decades of regional life in the years ahead. Howard J. Grossman is the former executive director Lt. Governor William Scranton III did many years of EDCNP, now NEPA Alliance. Email him at Grossago statewide. Such an activity within the region

collaborating with its partners on programs and events to fulfill its mission to preserve and One of the main goals of the Lackawanna promote the region’s history, cultural heritage Heritage Valley is to tell the region’s story. As and natural resources. Piecing Together the Past, we embark on a new year of projects a joint project of LHV and Steamtown and programs, we aspire not only National Historic Site (NHS), this geoto share the story, but also to make caching program takes participants on the story better. To that end, we will a hunt to 12 historic sites in Scranton, continue to develop our most visible including: Albright Memorial Library, project, the Lackawanna River Heritage Anthracite Heritage Museum, CourtTrail (LRHT) and engage in partnerhouse Square, Electric City Trolley ships with community organizations Museum, Everhart Museum, LackaGelb to enhance the quality of life in the wanna Coal Mine Tour, Lackawanna Heritage Area. Historical Society, Lackawanna River Trail users have a lot to look forward to this Heritage Trail, Radisson Lackawanna Station, year. In Scranton, a $1 million safety improvement Scranton Cultural Center at the Masonic Temple, project will create safer conditions for pedestriScranton Iron Furnaces and Steamtown National ans and bicyclists crossing intersections at Elm, Historic Site. Broadway and Poplar streets in South Scranton; For those not familiar with geo-caching, it’s Olive Street in Central Scranton; and Albright described on as a “real-world, Avenue, Green Ridge and East Market Streets outdoor treasure hunting game using GPS-enin North Scranton. The project is made possible abled devices.” Participants navigate to a specific through funding support and collaboration among set of GPS coordinates and then attempt to find LHVA, the Pennsylvania Department of Community the hidden geocache. The hidden caches at each and Economic Development (DCED) Multimodal site will contain a puzzle piece with a photo of Transportation, PennDOT, Lackawanna County, the that location. Once all 12 pieces are collected, City of Scranton and The University of Scranton. geo-cachers will present their assembled puzzle Plans are underway for a 1.1 mile section of to officials at Steamtown NHS to redeem a prize. trail in Dickson City that will connect the borough There is no fee to participate in this self-guided to Olyphant, creating an alternative route for tour. those who currently travel on Main Avenue, as Piecing Together the Past will launch on April well as access to the river for fishing and boating. 15 as part of National Park Weekend. On April 15 In the future, this also will link Dickson City to and 16, and April 22 and 23, Steamtown and all Throop for walkers and cyclists to get to the Mid National Parks will offer free admission. Look for Valley School Campus. The project is funded by details at the PA Department of Conservation and Natural A new year also means the start of a new Resources (PA DCNR) and PennDOT’s Transpor- cycle of grant funding through LHV’s Partnertation Alternatives Program (TAP). ship Grant Program. Since its inception, LHV The Carbondale Riverwalk is scheduled for has provided $3,375,903 in grants to non-profit completion in 2017. The 1.2 mile section of the organizations for projects and programs in placeLRHT in Carbondale will connect to a 2.2 mile based education, interpretive programming, section in Fell Township that will provide a direct historic preservation, cultural conservation, link to the D&H Rail-Trail in Susquehanna County. community trails, and community and economic Also in the Upper Valley, BikeCarbondale, the sis- development. In 2016, $18,327 was awarded ter program to BikeScranton, will offer free bike to 17 partner organizations. This investment in rentals at the Greater Carbondale YMCA and the NEPA stimulates the economy, enhances tourism Carbondale Grand Hotel & Conference Center. initiatives, strengthens community organizations, When construction of the 2.2-mile pathway and increases the quality of life for area residents. between Simpson and Vandling is complete, the trail will connect 62 miles from Taylor to the New Natalie Gelb is executive director of the Lackawanna York State border at Lansboro, Pa. Heritage Valley (LHV). Email her at In addition to trail development, LHV is

By Howard J. Grossman, AICP

By Natalie Gelb



PERSONNEL FILE barry iseTT & associaTes

charles “chuck” Wolf, of Emmaus, joined the Code Services Department of Barry Isett & Associates (Isett), a multidiscipline engineering firm with offices in Hazleton and Wilkes-Barre. He serves as a property maintenance and zoning inspector. Wolf studied construction management at Lehigh Carbon Community College and graduated in 2016 with an associate’s degree in applied science. Before joining the Isett team, he served as a project manager for Kistler Pole Building in Kempton where he oversaw project plans Wolf and ensured project completion within strict timelines. Tim Frank of Jenkintown joined the Code Services Department as a code specialist. With nearly 10 years of experience in the industry, Frank has an extensive background in the practices of municipal code enforcement and permit compliance. Most recently, he served Jenkintown Borough as director of Code Enforcement and as a fire marshal and director of Public Works. Previously, he served as a code official and zoning officer for East Caln Township and the borough of Downingtown. He studied business law Frank and administration at Queensborough Community College. christine hower, of Allentown, joined the Forensics team as an administrative assistant. Prior to joining Isett she owned and operated CDH Creations to offer consulting services to nonprofits, small business, and real estate organizations including SS United States Conservancy and Judith’s Reading Room in Bethlehem. A licensed Realtor®, Christine is a student at Lehigh Carbon Community College and expects to receive an associate’s degree in business management in spring. Hower Isett’s services include: municipal engineering; code services; civil, structural, forensic, mechanical, electrical and plumbing engineering; landscape design; construction inspection; survey services; environmental services; and construction services. Visit

conDron meDia

Condron & Cosgrove, a Scranton-based, quarter century, advertising and public relations firm is now Condron Media. The rebrand coincides with the addition of two digital marketers to the firm’s team: colin Devroe as senior vice president and Tucker hottes, senior developer. Devroe previously coordinated digital marketing for various startups and emerging firms conducting national and international business. Hottes was previously the lead web developer for Times-Shamrock Communications. The rebrand of the award-winning ad agency reflects the firm’s enhanced focus on social media and digital marketing to complement its traditional client media services. Condron Media is a veteran-owned full service advertising and public relations agency serving clients in education, healthcare, legal, natural resources, franchising, startups and emerging companies.

GeorGe J hayDen inc.

rosenn Jenkins & GreenWalD llp

The Law Firm of Rosenn Jenkins & Greenwald LLP, announced that attorney kieran m. casey has been elected partner. Casey is a member of the firm’s Labor and Employment Department, as well as its Litigation Department. His principal focus is the representation of businesses, municipalities, and institutions of higher learning in a wide range of labor and employment law matters. Casey received his bachelor’s degree from King’s College and his Juris Doctor degree from the Catholic University Casey of America in Washington, D.C. He regularly provides lectures on labor and employment law issues at continuing education seminars for lawyers. He is a member of the Pennsylvania Bar Association, the Wilkes-Barre Law and Library Association and the Leadership Wilkes-Barre Class of 2014.


Tobyhanna army DepoT

Tony marton is now chief of the Command, Control, Communications and Computer Engineering Branch at Tobyhanna Army Depot. As chief, he supervises personnel who provide engineering support to the overhaul and maintenance of C4 equipment for all services. The branch is part of Tobyhanna’s Production Engineering Directorate. Prior to his current position, Marton was chief engineer for Product Manager Ground Combat Tactical Trailers, Program Executive Office, Simulation, Training and Instrumentation, Marton Orlando, Florida. He began his depot career in September. Marton earned bachelor’s and master’s degrees in engineering from Stevens Institute of Technology, Hoboken, New o’malley & lanGan Jersey, in 1985 and 1989, respectively. kyle D. stelmack has joined O’Malley & Langan’s Also, michael yurkovic is now chief of the Sheet Scranton law office as an associate. Stelmack graduated Metal Fabrication Branch at Tobyhanna Army Depot. from the University of Pittsburgh School of Law and was He supervises personnel who fabricate aluminum and admitted to the Pennsylvania steel into finished products Bar in 2016. He handles cases into support the warfighter. The volving personal injury, workers’ branch is part of Tobyhanna’s compensation, Social Security Systems Integration and Support disability and veterans’ cases. Directorate. Prior to his current While working with the Univerposition, Yurkovic was a sheet sity of Pittsburgh Veterans Clinic, metal mechanic in the System Stelmack represented veterans Assembly Branch. He began his in matters before the Veteran’s depot career in September 2007. Administration, Boards for Tobyhanna Army Depot is a Correction of Military Records Stelmack recognized leader in providing and Federal Court. He fought to Yurkovic world-class logistics support for ensure that veterans received command, control, communicathe benefits to which they were entitled, and worked with clients to upgrade discharge designations, which allowed tions, computers, intelligence, surveillance and reconnaissance systems across the Department of Defense. them access to increased benefits. He is a member of the Lackawanna Bar Association, American Association for Justice, Pennsylvania BaNkINg Association for Justice and the Worker’s Injury Law & Advocacy Group. O’Malley & Langan has offices in Fncb bank Scranton, Pittston and Towanda, O’Malley & Langan Law Offices has a well-earned reputation for being a top-notch workers’ compensation and personal injury law firm in Northeastern Pennsylvania. Call (800) 817-2667. Last month, George F. hayden, owner of George J Hayden Inc., along with his business partner Usbaldo Trevino, vice president of George J. Hayden, Inc., finalized the acquisition of Howard Organization, which marked its 45th anniversary in 2016. Howard Organization president ralph Gitz and vice president Joseph Graham said they considered several companies before selling to Hayden and Trevino. Howard Organization will be renamed The Howard Company and will continue to operate from its current facility at 1016 East 7th Street in Bloomsburg. Hayden Electric was founded in 1975 by George J. Hayden from his home with a small crew of electricians. The Howard Company will operate as a separate company from Hayden Electric and will maintain the same operational procedures as are currently in place over the next few years.



Representatives from FNCB present a $1,700 Pennsylvania EITC grant to Nativity Miguel School of Scranton. Nativity Miguel School is a tuition-free school for students from low-income families and underserved populations. From left are Robert angeloni, Nativity Miguel president and Jerry Champi, FNCB president and CEO. FNCB Bank, locally-based for over 100 years, has announced a $1,700 Pennsylvania Education Improvement Tax Credit (EITC) donation to the Nativity Miguel School of Scranton. Since 2010, FNCB has contributed $1,200,000 to local educational and scholarship organizations through the program.

Nativity Miguel School of Scranton is a tuition-free school for students from low-income families and underserved populations. Located in the lower level of Temple Hesed near Lake Scranton, Nativity Miguel seeks to provide an education that breaks the cycle of poverty in underserved communities Heston across America. The Nativity Miguel model has an extended day averaging 9.6 hours and an extended year of up to 11 months. The support of Nativity Miguel is part of FNCB’s larger Community Caring initiative. As a true, local community bank, FNCB istrives to make a difference through volunteerism, donations and outreach programs. Also, FNCB Bancorp Inc. (OTCQX:FNCB) announced that its wholly owned subsidiary, FNCB Bank has notified the Pennsylvania Department of Banking and Securities of its intent to open a Limited Purpose Office (“LPO”) in Allentown, Lehigh County. FNCB’s new LPO will develop and service relationships through activities related to a loan production office in the growing Lehigh Valley marketplace. Frank heston has joined FNCB Bank as a senior vice president to lead the new LPO. Heston has extensive commercial lending and relationship management experience within the Lehigh Valley.

FiDeliTy bank

Thomas regenski has joined Fidelity Asset Management Services, located at Fidelity Bank, as assistant vice president, financial advisor. He is a registered representative of INVEST Financial Corp. Regenski has more than 20 years of management experience and customer service experience. He will be providing investment services and consultation, retirement plan benchmarking and analysis, goal-based investing techniques, and developing integrated financial and estate plans to help Fidelity Bank clients — both individuals and businesses Regenski — reach their financial goals. Regenski earned his bachelor’s degree in business management from the University of Scranton and brings more than 15 years experience as a business owner prior to entering the financial services arena. amanda Vinciguerra was appointed Wealth Management administrative assistant for Fidelity Asset Management Services. Vinciguerra earned an associate’s degree in business administration from Keystone College and has been with Fidelity Bank for more than eight years. She began her career as a bank teller in April 2008 and then advanced to customer service representative and teller services supervisor. She will be the key contact and liaison for wealth management customers and the Fidelity Investment Vinciguerra Services team. The Bank provides 24 hour, 7 day a week service to customers through branch offices, online at, and through the customer care center at 800.388.4380.


John Palmieri and thomas sohns recently joined the bank’s Pennsylvania commercial banking team. They will be responsible for developing and managing business relationships with commercial customers in Pennsylvania. Both are based at NBT Bank’s Scranton Financial Center on Keyser Avenue. Palmieri has been hired as vice president and commercial banking relationship manager. He comes to NBT Bank with Palmieri 11 years of banking experience gained in NEPA with First National Bank of PA and before that, with Community Bank. He earned his bachelor’s degree in finance from Fordham University. Sohns has been hired as assistant vice president and commercial banking relationship manager. Sohns has seven years of banking experience also gained in NEPA with First NaSohns tional Bank of PA and, previously, with Community Bank. A resident of Dunmore, PA, he earned his Bachelor of Science in Finance from the University of Scranton. sarah a. Halliday has joined NBT as executive vice president and president of commercial banking. She will also serve on NBT’s Executive Management Team. She will assume overall responsibility for NBT Bank’s Commercial Banking Division. Halliday has 25 years experience in banking and commercial lending. She comes to NBT from M&T Bank where she was most recently employed as Capital Region market president. Prior to joining M&T in 2005, Halliday worked for the New York Business DevelopHalliday ment Corp. for 11 years as vice president and loan officer. She started her career with Fleet Bank. NBT Bank offers personal banking, asset management and business services through a network of 154 banking locations in six states including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine. NBT Bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, New York.

EDUCATION geisinger CoMMonwealtH

Jennifer Boardman, Ph.D. was appointed assistant dean for academic affairs for the School of Graduate Studies. She will provide support for graduate studies in curriculum planning and assessment, student advising and career development, and academic integrity and code of conduct issues. Boardman earned bachelor of science degrees in biology and secondary education from West Virginia State University and a Ph.D. in biomedical sciences from Marshall University. She joined The Commonwealth Medical College as an assistant professor Boardman

of microbiology and immunology in 2008. Boardman has been teaching microbiology and immunology to medical and graduate students since TCMC’s inception and has served as a course director in both the medical and MBS programs. In 2010, Boardman was appointed director of the Master of Biomedical Sciences Program, a role she held for four years during the development of the program. In 2015, she was promoted to associate professor in the Department of Basic Science.

Kings College

James gilgallon of Wilkes-Barre has been appointed executive director of campus safety and security at King’s College. A 1989 graduate of King’s, Gilgallon joins the King’s community after serving for 25 years in several capacities with the Pennsylvania State Police, including most recently as director of Internal Affairs for the Bureau of Integrity and Professional Standards Department. He is responsible for maintaining a safe environment for King’s students, faculty, and staff; supervising the safety and security Gilgallon staff; and maintaining relations with Wilkes-Barre City and Luzerne County policing entities. After earning his bachelors degree from King’s, Gilgallon joined the Pennsylvania State Police as a trooper in 1992. Gilgallon has more than 13 years of service in supervisory and command positions. He earned the rank of captain in 2016. Also, Dr. Bernard Prusak, associate professor of philosophy and director of the McGowan Center for Ethics and Social Responsibility at King’s College, published the story “Holy Cities: The Contemplative Whimsy of Brian Whelan,” in the November issue of “Commonweal.” Whelan is a London-born Irish painter known both for his London landscapes and “Inscapes” and religious-themed art. Prusak was granted tenure at King’s in 2016. He is the author of “Catholic Moral Philosophy in Practice and Theory: An Introduction,” published by Paulist Press in 2016. His book “Parental Obligations and Bioethics: The Duties of a Creator,” was published by Routledge Press in 2013. He earned a doctorate at Boston University and bachelor’s degree at Williams College.

MiseriCorDia University

John n. Mellon, ed.D., associate professor of business at Misericordia University, recently was the keynote speaker at Penn State Schuylkill’s annual Global Entrepreneurship Week conference at the Fryer Conference Center. Mellon made the presentation, “Untapped Markets,’’ in which he addressed students and staff about the global marketplace and the importance of identifying available or underserved markets and then developing marketing plans based off that research. He also Mellon developed global operational directional marketing processes and shared his three Rs of visionary strategic planning: radical, revolutionary and relationship building.

Penn state Hazleton

andrea shook, of Bangor, has been named practical nursing program coordinator at Penn State Hazleton. She is responsible for overseeing the practical nursing

program at the campus. Shook is a registered nurse and clinical nurse specialist in women’s and children’s health education and holds a bachelor of science degree from Cedar Crest College and a master of science degree from Misericordia University. She worked as a staff nurse at Pocono Medical Center in East Shook Stroudsburg. She also served as a diabetes educator and maternalchild educator at the hospital. Shook has also served on the nursing department faculty at Cedar Crest College, East Stroudsburg University, Marywood University, Penn State Lehigh Valley and Northampton Area Community College. The practical nursing program at Penn State Hazleton is an 18-month certificate program and was initiated to support workforce development and to address the statewide nursing shortage. Courses are offered on evenings and weekends and the program is designed to meet the needs of people who want to pursue a career in nursing while still working. Visit

Pennsylvania College of teCHnology

Pennsylvania College of Technology has named Hillary e. Hofstrom associate vice president for human resources and expanded the responsibilities of two other longtime administrators in the Human Resources office. Hofstrom, who had been director of employee relations and compliance, will oversee all activities within Human Resources. Hofstrom, who began her employment with the college in 2010, has also served as manager of employment. Previously, she was employed by First QualHofstrom ity Enterprises as an employee relations specialist and human resources generalist, and by Aerotek Recruiting & Staffing as a recruiter. She holds a master’s of professional studies in human resources and employment relations from Penn State and a bachelor’s in business administration from Shippensburg University. laDonna J. Caldwell remains director of compensation and benefits but takes on new responsibilities within HR. She will be responsible for administering the college’s wage and salary programs, supervising the employee benefits program, administering the job/position analysis process, partnering with Financial Operations on the salary increment process, reviewing and authorizing all college personnel actions for payroll and supporting professional development and the onboarding process. Caldwell, who began her employment with the college in Caldwell 1984, has also served as manager of compensation and benefits, benefits specialist/job analyst, analyst assistant, and personnel assistant. She holds a bachelor’s degree in business administration and an associate’s of applied science in business management, both from Penn College. Molly J. steele-schrimp, Steele-Schrimp who had been compensation and

benefits specialist, becomes manager of employment. She will also serve as the college’s deputy coordinator and lead investigator of Title VII, Title IX and Section 504/ADA for employment. Steele-Schrimp, began her employment with the college in 2002, and has served as a workforce training assistant and customer service assistant with Workforce Development and Continuing Education at Penn College, secretary to the vice president for academic affairs and provost, secretary to the vice president for student affairs, and secretary to the assistant dean for business and computer technologies. She holds a master’s in human resources and employment relations from Penn State and a bachelor’s in technology management from Penn College.

University of sCranton

The University of Scranton has named James l. Caffrey associate vice president for facilities operations. Caffrey comes to Scranton with more than 30 years of experience in various facilities management roles primarily in health care environments. Most recently, he served as administrator of facilities operations at Lehigh Valley Health Network in Allentown where he was responsible for managing a wide variety of capital projects and facility-related services. Previously, Caffrey served as adminCaffrey istrator of facilities management for the Greater Hudson Valley Health System in Middletown, New York, assistant vice president for facilities management at Catskill Regional Medical Center, Harris, New York, and vice president of administrative services for Wyoming Valley Health Care System, Wilkes-Barre. Also, University of Scranton accounting professor Douglas M. Boyle, D.B.a., was recently elected to serve as chair of the Allied Services Foundation Board of Directors. Allied Services is the leading provider of post-acute healthcare and human services for northeastern and central Pennsylvanians with disabilities and chronic illness. Boyle has served on the foundation board since 2010 and also serves as chair of its Skilled Nursing Center and Continuing Care Retirement Community Boards. Boyle Boyle is chair of the University’s accounting department and the founder and director of the University’s Nonprofit Leadership Certificate Program. An award-winning researcher and teacher, Boyle is an expert in leadership, finance, corporate governance and business turnarounds. He is also an executive coach, a Certified Public Accountant, a Certified Management Accountant, and he has more than 25 years of industry executive experience. Boyle holds a bachelor’s degree from The University of Scranton, an MBA from Columbia University and a doctorate from Kennesaw State University.

HEALTH CoMMonwealtH HealtH BerwiCK HosPital

rick levan was named Employee of the Year and Brad Benson was named Manager of the Year at Commonwealth Health Berwick Hospital Center. Levan, who has been with the hospital since 1978, is a maintenance engineer in the plant operations and main-





tenance department. Most of GEISINGER CommoNwEaltH Levan’s work is focused at the SCHool of mEDICINE Berwick Retirement Village which anthony Cernera has been named director of annual is adjacent to the hospital. giving and alumni relations at Geisinger Commonwealth Benson, director of facilities School of Medicine (Geisinger Commonwealth). He will maintenance and plant operalead all annual-fund giving activitions, has been employed by the ties and will maintain and expand hospital since 2015. In this role, alumni relations. Benson oversees all environCernera has extensive experimental and plant operations, ence in both fundraising and laundry/linen departments, the alumni relations. Most recently, engineering department, campus he was the executive director security, biomedical and emerof the Annual Fund at Stony gency management. Brook University, Stony Brook,


James Klena, m.D., recently joined Geisinger Community Medical Center (GCMC) as a cardiothoracic surgeon. Klena Benson is trained in minimally invasive surgical techniques and specializes in surgery of the lungs, esophagus and trachea, including cancers in these organs. Additionally, he specializes in coronary artery bypass surgery, deformities of the chest and unilateral pleural effusions. Board certified in surgery and thoracic surgery, Klena earned his medical Klena degree from Temple University School of Medicine, Philadelphia. He completed an internship and residency in general surgery at Geisinger Medical Center, Danville, and most recently completed a fellowship in cardiothoracic surgery at the University of Missouri. Klena is a fellow of the American College of Chest Physicians and the American College of Surgeons, as well as a member of the Society of Critical Care Medicine, the Society of Thoracic Surgeons, the American College of Chest Physicians, the General Thoracic Surgery Club and the Southern Society of Thoracic Surgeons. Also, Christine Policare, m.D., recently joined Geisinger Health System as a diagnostic radiologist. Board certified in radiology, Policare specializes in breast imaging, including mammography and tomosynthesis (3D mammography), breast ultrasound, breast MRI, MRIguided breast biopsy, ultrasound guided breast biopsy and stereotactic breast biopsy. Her services also include abdominal imaging and ultrasound guided procedures. Policare earned her medical degree from Penn Policare State Milton S. Hershey Medical Center (MSHMC), Hershey. She completed an internship at York Hospital and completed her residency in radiology at MSHMC, followed by a fellowship in abdominal imaging that included subspecialty training in breast imaging. Prior to joining Geisinger, Policare served as a partner with Radiological Consultants Inc., Dunmore. She is a member of the Society of Breast Imaging, Lackawanna County Medical Society, Pennsylvania Medical Society, Pennsylvania Radiological Society, American College of Radiology and Radiological Society of North America.

New York where he increased both unrestricted revenue and Cernera restricted giving. He was also director of The Royal Fund and annual giving programs at the University of Scranton until 2014 and, before that, director of development at Sacred Heart University in Fairfield, Connecticut. He has a bachelor’s degree in communications and media studies from Sacred Heart University, Fairfield, Connecticut and a master’s degree in education, with a concentration in educational leadership from Concordia University in Portland, Oregon. Also, Christian Carbe, Ph.D. has been named assistant professor in the Basic Sciences department. He will participate in team-taught courses, including immunology, cell biology and biomedical seminar courses for students enrolled in the master of biomedical science program at Geisinger Commonwealth, in addition to facilitating case-based learning small groups for firstyear medical students. Carbe has served as an instructor, researcher and laboratory mentor at Geisinger Commonwealth Carbe since 2015. He has conducted post-doctoral research with Raj Kumar, Ph.D., director of research and professor of biochemistry at the medical school, investigating the role of novel steroid hormone receptor-based therapeutics for endocrine-related triple negative breast cancers (TNBCs). Prior to Geisinger Commonwealth Carbe completed two postdoctoral training fellowships at Thomas Jefferson University in the biochemistry and Immunology departments. He received bachelor’s degrees in biology and psychology from Misericordia University and completed his Ph.D. in medical and molecular genetics with a minor in biochemistry from Indiana University School of Medicine, Indianapolis. He is a native of Hazleton. Scott Koerwer, Ed.D. was appointed vice dean for graduate studies for the school’s new School of Graduate Studies. In addition to serving as vice dean, Koerwer will remain in his role as vice president for strategy, planning; communication at the school, as well as continuing to serve as professor of organizational systems and innovation. As vice dean, he will oversee all graduate programs and will develop innovative new programs that will draw upon Geisinger Health System’s strengths in areas including Koerwer population health, genomics and health information technology to prepare students for careers — some yet to be imagined — across the vast spectrum of healthcare. Koerwer has significant experience




both as an educator and an entrepreneur. He founded three entrepreneurial startups and led numerous program development initiatives and consulting engagements around the world working with senior executives and academic institutions. Koerwer has developed and implemented certificate and degree programs and educational partnerships in Africa, Asia, Europe, the United Kingdom, the Middle East and the United States. He earned a bachelor’s degree from Muhlenberg College, a master’s degree in government from Lehigh University and a doctoral degree in education from the University of Pennsylvania.


Dominic Vangarelli has been named vice president of Geisinger Marworth Treatment Center. A certified alcohol and drug abuse counselor, Vangarelli’s 22-yearlong career at Geisinger Marworth began in 1994 where he has held multiple positions including primary counselor, counseling coordinator and director of counseling. Always a champion for improving the lives of patients, Vangarelli has contributed to such impactful initiatives as implementing day treatment/partial hospitalization and introduced programs such as relapse prevention, Vangarelli acupuncture, music therapy and expression art therapy. Vangarelli earned his undergraduate degree in psychology from the University of Scranton and his master’s degree in clinical psychology from the University of Hartford, Connecticut. Nearly 35 years ago, Marworth was founded by the Geisinger Health System to help those struggling with addiction. The treatment center provides personalized residential and outpatient programs for adults using state-of-the-art therapeutic techniques.


Sandi Korshnak, a four year breast cancer survivor , recently partnered with the Cancer Institute to create the design for the organization’s annual holiday card. The photograph was taken in Roaring Brook Township. Each year, the Cancer Institute invites a local cancer survivor to submit artwork for the cover of a holiday card sent to over 700 individuals and organizations. Korshnak has been in the photography business for more than a decade. She was a former partner of Your Pixel Perfect until she recently started her own business, Sandi K Photos. She is also president of Girl’s Night Out. To honor her artistic donation, the Cancer Institute recently presented Korshnak with a recognition plaque highlighting her photo.

From left: Karen M. Saunders, president of the Northeast Regional Cancer Institute; Sandi Korshnak, holiday card artist and owner of Sandi K Photos and Amanda E. Marchegiani, community relations coordinator at the Northeast Regional Cancer Institute.

moSES tayloR HoSPItal




mary Jeanne Riviello, of Old Forge, was named Employee of the Year at Moses Taylor Hospital. Riviello, who has been with the hospital since 1981, serves as the core measures abstractor in quality and safety. A registered nurse, Riviello is a graduate of the CMC School of Nursing and Marywood College. Joann Hanusich, accounting manager, is the Non-Clinical Manager of the Year. michele musheno, director of the pharmacy, was named Clinical Manager of the Year. Musheno graduated from Northeastern University, Boston, with a bachelor of science degree in pharmacy and earned a master of science degree from The University of Scranton. She completed an applied pharmacoeconomic fellowship at Boehringer Ingelheim, Danbury, Connecticut.

Misericordia University’s College of Health Sciences and Education hosted the public forum, “Opioid Crisis in Pennsylvania: The Partnership Between Government and Higher Education,” featuring Karen Murphy, R.N., Ph.D., secretary of the Pennsylvania Department of Health, as the keynote speaker. Participating in the forum, first row from left, are Leamor Kahanov, Ed.D., A.T.C., L.A.T., dean of the College of Health Sciences and Education at Misericordia University; Susan McDonald, Ph.D., L.S.W., chair of the Department of Social Work at Misericordia University, and Cassandra Coleman, director, Northeast Regional Office of the Governor; standing, state Rep. Karen Boback, R-117, Harveys Lake; Thomas J. Botzman, Ph.D., president, Misericordia University; Secretary of the Pennsylvnia Department of Health Karen Murphy, R.N., Ph.D., and state Sen. Lisa Baker, R-20, Lehman Township.


Columbia County

Secretary of Housing and urban Development. Property Location: South Centre Township. Seller: Carrington Mortgage Services LLC. Price: $103,094.91. Dale and ann beagle asset Preservation trust. Property Location: Pine Township. Seller: Susan K. Amith Noyes. Price: $337,500. 129 West 9th Street income only Protection trust. Property Location: Bloomsburg. Seller: Joseph M. and Cheryl J. Ladick. Price: $1 f-m-v $73,715.13. Emeline t Hunter. Property Location: Cleveland Township. Seller: Southern Columbia Corp. Price: $6,000. Freddy a and michele m Valverde. Property Location: Cleveland Township. Seller: Southern Columbia Corp. Price: $34,900. Robert J Connors. Property Location: Cleveland Township. Seller: Southern Columbia Corp. Price: $15,000. Dennis J and Donna a Hugues. Property Location: Cleveland Township. Seller: Southern Columbia Corp. Price: $6,000. Zenzel Properties llC. Property Location: Bloomsburg. Seller: Melissa Lynn Ackerman. Price: $24,000. Jam Housing llC. Property Location: Bloomsburg. Seller: James E. Snavely. Price: $107,000. Dennis a and Donna a Hugues. Property Location: Conyngham Township. Seller: Southern Columbia Corp. Price: $1,200. Paul C Scharf. Property Location: Conyngham Township. Seller: Southern Columbia Corp. Price: $7,000. Freddy a and michele m Valverde. Property Location: Conyngham Township. Seller: Southern Columbia Corp. Price: $34,900. Emeline Hunter. Property Location: Conyngham Township. Seller: Southern Columbia Corp. Price: $7,000. Dennis J and Donna a. Hugues. Property Location: Conyngham Township. Seller: Southern Columbia Corp. Price: $4,600. Red mill Holdings llC. Property Location: Mifflin Township. Seller: Timbervest Partners Pennsylvania LLC. Price: $750,000. terry l oakum. Property Location: Berwick. Seller: 1316 Le Grande Street LLC. Price: $32,000. Corey a and Donelle m Honabach. Property Location: Scott Township. Seller: Robert E. and Kim Weiss. Price: $3,000,000. Harold J and Judith a Hafer. Property Location: Benton Township. Seller: Innovative Building and Design Inc. Price: $40,000. Janet E mcnulty. Property Location: Benton Township. Seller: Innovative Building and Design Inc. Price: $40,000. JKlm bloom Properties llC. Property Location: Bloomsburg. Seller: Joseph W. and Elaine G. Graham and Ralph W. and Cynthia L. Gitz. Price: $950,000. Robert and Stacey brunozzi. Property Location: Bloomsburg. Seller: David M. and Marlene K. Hamilton. Price: $320,000.

laCKaWanna County

William b Hildenbrand. Property Location: Clifton Twp. Seller: Barbara Reimer. Price: $300,000. Jeffrey Vail. Property Location: Clifton Twp. Seller: Terrence Goyke. Price: $293,000. lukasz olszar. Property Location: Clifton Twp. Seller: Brian F. Toy. Price: $291,500. Edmund E. Lucy. Property Location: Dickson City. Seller: Roy E. Yates Jr. Price: $275,000. Store master Funding X llC. Property Location: Dickson City. Seller: CNL Net Lease Funding 2001 LP. Price: $1,050,000. FnCb bank. Property Location: Dunmore Boro. Seller: Salvatore A. Lawrence. Price: $285,000.

James H ashby ii. Property Location: Fell Twp. Seller: James M. Montiel. Price: $297,000. Cherry Hill Partners, llC. Property Location: Glenburn Twp. Seller: Diner Property LLC. Price: $420,000. John C Schieber. Property Location: Jefferson Twp. Seller: John P. Ocenas. Price: $400,000. Joseph Frank leo. Property Location: Jefferson Twp. Seller: Doron Waide. Price: $360,824. James W Klena. Property Location: Moosic Boro. Seller: Glenmaura Commons LTD. Price: 449,000. Charles J Huydacek. Property Location: Moosic Boro. Seller: John A. Yourishen. Price: $265,000. Robert S tamburro. Property Location: Moosic Boro. Seller: Laura M. Potorski. Price: $900,000. Pal max Realty inc. Property Location: Moosic Boro. Seller: Karf LTD. Price: $275,000. David Zimmer. Property Location: Newton Twp. Seller: Lillian E. Zimmer. Price: $409,000. County line River and land Company llC. Property Location: Old Forge Boro. Seller: James V. Popple. Price: $1,400,000. mJ Development llC. Property Location: Olyphant Boro. Seller: Edward A. Racht. Price: $625,000. Jaime lynn Hector. Property Location: Roaring Brook Twp. Seller: Laura A. Reuther. Price: $333,000. Connor Rose Realty inc. Property Location: Scranton City. Seller: 408 Quincy Inc. Price: $2,800,000. agostinho linhares. Property Location: Scranton City. Seller: Biou Hsang Rin. Price: $222,500. Dustin J bender: Property location: Scranton City. Seller: Mark Perrella. Price: $300,000. mazz Real Estate Holdings llC. Property Location: Scranton City. Seller: Paul I. Bartoletti. Price: $525,000. mark lewis Johnson. Property Location: S. Abington Twp. Seller: Gravel Pond Townhouses Inc. Price: $468,000 Clyde Rosencrance,. Property Location: So. Abington Twp. Seller: Bruel KL. Rollins. Price: $270,000. William arthur. Property Location: So. Abington Twp. Seller: Perih Group LLC. Price: $404,000. Stone Financing t llC. Property Location: Throop Boro. Seller: John M. Gilley. Price: $320,000. Jagadish Patel. Property Location: Throop Boro. Seller: Stone Financing LLC. Price: $320,000. Gregory K buchholz. Property Location: W. Abington Twp. Seller: Caroline D. Northup. Price: $280,000. Vinny lamm Property location: W. Abington Twp. Seller: Timothy P. McGurrin. Price: $350,000. Carol Chisdak. Property Location: W. Abington Twp. Seller: William J. Umphred Sr Trust per Trustee. Price: $367,500. Kelly lenahan. Property Location: W. Abington Twp. Seller: Russell F. Stahl. Price: $356,000. uuWal R. Tuladhar. Property Location: W. Abington Twp. Seller: Donald E. Dogan. Price: $422,000.

luZERnE County

Dan S butoi. Property Location: Wright Twp. Seller: Jan A. Olenginski. Price: $410,000. one maplewood llC. Property Location: Hazle Twp. Seller: Westminister Properties Inc. Price: $4,235,000. luchi Real Estate inc. Property Location: Fairview Twp. Seller: Nichole Witinski. Price: $54,000. Childrens Service Center of Wyoming Valley inc. Property Location: Wilkes Barre City. Seller: Paul J. Siegel Co-Trustee, Mark P. McNealis Co-Trustee, Martha Bennet Estate. Price: $1. Childrens Service Center of Wyoming Valley inc. Property Location: Wilkes Barre City. Seller: Home For Friendless Children. Price: $1. Childrens Service Center of Wyoming Valley inc. Property Location: Wilkes Barre City. Seller: Paul J. Siegel Co-Trustee, Mark P. McNealis Co-Trustee, Martha Bennet

Estate. Price: $1 Childrens Service of Wyoming Valley inc. Property Location: Wilkes Barre City. Price: $1 Jeffrey R Weiss. Property Location: Fairview Twp. Seller: Sophia Draina Trustee. Price: $302,000. Crown Resorts ltD. Property Location: Butler Twp. Seller: William M. McCarthy IV Trustee. Price: $500.00. Eagle Rock Resort Co. Property Location: Hazle Twp. Seller: Alexander D. Cruz Jr. Price: $39,289. Eagle Rock Resort Co. Property Location: Hazle Twp. Seller: Peter G. Polos. Price: $12,064.35. 65un1640 trust mFH trustee llC. Property Location: Pittston City. Seller: MyFamily House Investments LLC. Price: $73,728. brian Fischer. Property Location: Rice Twp. Seller: Brookfield Relocation Inc. Price: $445,000. alan investments iii llC. Property Location: Wilkes Barre City. Seller: Altisource Residential LP (Per Attorney in Fact). Price: $14,625.00. PPH-Duryea llC. Property Location: Duryea Boro. Seller: Duryea Center LP. Price: $2,083,200. Christopher J yurkanin. Property Location: Kingston Twp. Seller: Steven Horst. Price: $700,000. angelo Joseph nudo. Property Location: Dallas Boro. Seller: Patrick John Flaherty. Price: $270,000. natural lands trust incorporated. Property Location: Bear Creek Twp. Seller: Blue Ridge Real Estate Company. Price: $412,000. Keystone Service Systems inc. Property Location: Jenkins Twp. Seller: Four Mountain Holdings LP. Price: $179,511. Chris brojakowski. Property Location: Dallas Twp. Seller: Eastern Communities Limited Partnership. Price: $277,956. movin’in Rentals @JtK ltD. Property Location: Wilkes Barre City. Seller: Joseph L. Schwingen Jr. Price: $21,000. Ryan a Stoa. Property Location: Dallas Twp. Seller: Robert P. Matley. Price: $390,000. axion associates limited liability Company. Property Location: West Pittston Boro. Seller: Steve Gilpin. Price: $67,968. Eagle Rock Resort Co. Property Location: Hazle Twp. Seller: Kai C. Pun. Price: $18,847.41. Keystone Service System inc. Property Location: Butler Twp. Seller: Three Mountain Holdings LP. Price: $133,892. Keystone Service Systems inc. Property Location: Ashley Boro. Seller: KRPF Holdings LP. Price: $117,854. alexander m Piczon. Property Location: Forty Fort Boro. Seller: Joseph P. Atherholt. Price: $314,000. Eagle Rock Resort Co. Property Location: Hazle Twp. Seller: Edilberto C. Aguilera. Price: $4,500. Eagle Rock Resort Co. Property Location: Black Creek Twp. Seller: Edilberto C. Aguilera. Price: $3,500. bank of america. Property Location: Hazleton City. Seller: Secretary of Housing and Urban Development United States, Department of Housing and Urban Development. Price: $108,944. bank of america. Property Location: Ashley Boro. Seller: Secretary of Housing and Urban Development United States, Department of Housing and Urban Development. Price: $68,208. DlP SF Fund ii llC. Property Location: Foster Twp. Seller: Richard Kiernan. Price: $40,000. Red Cloud Real Estate. Property Location: Larksville Boro. Seller: Helen D. Magalski. Price: $44,000. WCH management Group inc. Property Location: Jenkins Twp. Seller: Frances Mazeikas. Price: $35,000. 100 technology Drive llC. Property Location: Jenkins Twp. Seller: Mericle 160 Research Drive LLC. Price: $1 mericle 160 Research Drive llC. Property Location: Jenkins Twp. Seller: Mericle 112 Armstrong LLC. Price: $1

Plymouth Storage llC. Property Location: Plymouth Twp. Seller: Atwater Inc. Price: $425,000. Russes Construction llC. Property Location: Rice Twp. Seller: James M. Kitchen. Price: $20,000. Weichert Workforce mobility inc. Property Location: Duryea Boro. Seller: Eric H. Urruti. Price: $294,580. michael Witek. Property Location: Duryea Boro. Seller: Weichert Workforce Mobility Inc. Price: $294,580. Eagle Rock Resort Company. Property Location: Black Creek; Hazle Twp. 10 Parcels. Sellers: Blessing C. Asagward; Maria Theresa D. Balbin; Stanley C. Beachy; Rochelle J. Benito; Edwin W. Berrridge; Sarah Binaday; Barry E. Borakove; Mary K. Cutro; Elmer T. Cabanado; Bruce W. Carleton; Steven Tobin. Price $140,885.41 Hawkeye Capital Properties llC. Property Location: Nanticoke City. Seller: Luzerne County Tax Claim Bureau. Price: $73,152. laura H micewski. Property Location: Fairmount Twp. Seller: Sharon M. Tishler. Price: $378,000. FJH management llC. Property Location: Hazleton City. Seller: Luzerne County Tax Claim Bureau. Price: $65,856. Peter ann Holdings llC. Property Location: Plains Twp. Seller: Paul Michael Sorbelli. Price: $167,000. Eagle Rock Resort Co. Property Location: Hazle Twp. 7 Parcels; Black Creek 2 Parcels. Sellers: Ferdinand Carlos; Raquel Chosa; Fung Pan Chu; Patricia Daggy; Keirand Daniels; Vir Salfamones Chuy Darm; Ralph Densing; Clement Hilado; Desiree Joie Demeterio Fat. Price: $142,949.04. bethel baptist Church. Property Location: Freeland Boro. Seller: Freeland Business & Develoment Authority. Price: $6,500. Par Rentals llC. Property Location: Plains Twp. Seller: M & T Bank. Price: $46,900. birch Knoll associates llC. Property Location: Hazleton. Seller: Luzerne County Tax Claim Bureau. Price: $13,000. Eagle Rock Resort Company. Property Location: Hazle Twp. 9 Parcels; Bear Creek Twp. 3 Parcels. Sellers: Jerome L. Depp; Josephine Fidela M. Magbag; Flora D. Dimalanta; Dale I. Favors; Salvatore N. Ditta; Paula M. Dreher; Bryan S. Farr; Vincent P. Fayock; Terry D. Ford; Roberto Frondoza; Laura Gherardi; Armando Guanlao; Price: $127,629.30. Eagle Rock Resort Company. Property Location: Hazle Twp. 9 Parcels; Black Creek 1 Parcel. Sellers: Elvie Gurrea; Patrick Nganga Muchiri; Annette Hendry; Lialinda H. Jacob; Dennis J. Murray; Mario R. Nanquil Jr.; Nathan N. KIabue; Melie Sia Kadava; George Koetter; Violeta Lomibao Mosada; Price: $95,347.79 Justin l. Hanks. Property Location: Fairview Twp. Seller: Craig Moran. Price: $302,500. Eagle Rock Resort Co. Property Location: Black Creek Twp. 5 Parcels; Hazle Twp. 5 Parcels. Sellers: Patrick Shaun Mannix; Rose N. Maikweki; David Ludwigsen; Joby Kolsun; Lalaine M. Legaspi; Valentino P. Lim; Lalaine M. Legaspi; William Moore; Rebecca Albania Nair; KE, Di, Ql, Ll. Price: $147,518.24. morpaki Realty llC. Property Location: Wilkes Barre City 5 Parcels. Seller: Sherry A. Dalessandro. Price: $230,000. broadway Road llC. Property Location: Ross Twp. Seller: Myron Larry Moss Trustee. Price: $200,000. taffera Realty llC. Property Location: Pittston City. Seller: Martin A. Redding. Price: $6,500. tallison llC. Property Location: Hanover Twp. Seller: Earth Conservancy. Price: $270,000. Eagle Rock Resort Co. Property Location: Hazle Twp. 8 Parcels; Black Creek: 2 Parcels. Seller: Steve S. Voultepsis; Severina G. Delos Santos; Michael N. Weiner; Maricel Go Villarivers; Miguel Villa; Lillian Vergara; Vicente Vallejo; David R. Nelson; Rebeccah K. Opio; George J. Oyombe; Ricardo V. Pascual. $272,588.53.




Michael L Alston. Property Location: Hazle Twp. Seller: Paul B. Sokoloff. Price: $442,000. Eagle Rock Resort Co. Property Location: Hazle Twp.6 Parcels, Black Creek Twp. 4 Parcels. Seller: Aries Autoworld Ltd; Cesario Santiago Vega Jr.; Gerardo Purisma; Randy C. Rabe; Mary Jane T. Ramos; Daniel Joseph Rooney; Mari Joyce Rosales; Ramoncito V. Roxas; Charie Salas; Joel Tulingan. Price: $110,485.36. Eagle Rock Resort Co. Property Location: Hazle Twp. 7 Parcels; Black Creek Twp. 3 Parcels. Sellers: Theodore T. Tichy; Cesario D. Wee Sit; Carol A. Siegler;Thomas R. Shirley Jr; Hanna Sazon; John Quirke; James A. Maretzall; Rick Iddings; John Quirke; James A. Martzall; Rick Iddings; Michael S. Kowalik. Price: $94,704.31. Commission on Economic Opportunity. Property Location: Wilkes Barre City. Seller: Stapinski Drugs. Price: $1 LSF9 Master Participation Trust. Property Location: Hazleton City. Seller: Luzerne County Sheriff. Price: $5,429. Bayview Loan Servicing LLC. Property Location: Dallas Twp. Seller: Luzerne County Sheriff. Price: $1,446.58. Mapp’s LLC. Property Location: New Columbus Boro. Seller: Randy A. Yaple. Price: $420,000. Tanya S McCarthy. Property Location: Huntington Twp. Seller: Mark J. Spencer. Price: $265,000. Linden Holdings LLC. Property Location: West Pittston Boro. Seller: Joseph P. Marranca. Price: $70,000. County Line River and Land Company LLC. Property Location: Duryea Boro. 7 Parcels. Seller: James V. Popple. Price: $1,078,000. Riverwest I LLC. Property Location: Wilkes Barre City. Seller: LRD Franklin Associates LP. Price: $600,000. E Z Realty LLC. Property Location: Kingston Twp. Seller: U.S. Bank (Trustee.) Select Portfolio Servicing Inc. Price: $28,000. BDE Properties LLC. Property Location: Wilkes Barre City. Seller: James R. Shaffer Jr. Price: $20,000. Jeanne-D’Arc LLC. Property Location: Plains Twp. Seller: U.S. Bank (Trustee) Pennsylvania Housing Finance Agency. Price: $32,500. PMEG Properties LLC. Property Location: Dennison Twp. Seller: Chopper’s LLC. Price: $158,500. Michael R Dutrow. Property Location: Wright Twp. Seller: Mark W. Bosak. Price: $362,000. Salvatore L Sciandra. Property Location: Jenkins Twp. Seller: Fannie Mae. Price: $527,000. G&M Realty LLC. Property Location: Wilkes Barre City. Seller: Edward James Brighthaupt. Price: $24,000. Getaway Rental Properties LLC. Property Location: Freeland Boro. Seller: Louis Cherone. Price: $7,500. Treoff Real Estate LLC. Property Location: Swoyersville Boro. Seller: Elizabeth Jane Zdancewicz. Price: $28,000. Luchi Real Estate LLC. Property Location: Butler Twp. Seller: A. Makara Enterprises, Inc. Price: $16,250. Luchi Real Estate LLC. Property Location: Butler Twp. 4 Parcels. Seller: A. Makara Enterprises Inc. Price: $65,000. J.P. Guinness LLC. Property Location: Dallas Boro. Seller: R.N. Fitch & Sons Inc. Price: $500,000. SSSai Hazleton Realty LLC. Property Location: Hazelton City. Seller: National Retail Properties Trust. Price: $650,000. HCP Medical Office Buildings LLC. Property Location: Wilkes Barre City. Seller: Wilkes-Barre Hospital Company LLC. Price: $10.00. Eagle Rock Resort Co. Property Location: Hazle Twp. 3 Parcels, Black Creek 1 Parcel. Sellers: Brian W. Turk; David Ludwigsen; Sunghi Yun; Jacob Vanderpuye. Price: $44,174.42 Bank of America. Property Location: West Hazleton Boro. Seller: Secretary of Housing and Urban Development. Price: $132,192. Drasher Road LLC. Property Location: Butler Twp. Seller: Tracy A. Gallagher. Price: $1.00.

JV Balas Realty Partnership. Property Location: Foster Twp Seller: Phillip A. Goedecke. Price: $6,000. DD Investment Properties LLC. Property Location: Wilkes Barre City. Seller: Luke Lichota. Price: $155,000. David J Walsh Realty LLC. Property Location: Dupont Boro. Seller: John Struck Jr. Price: $45,000. Craig Hanlon. Property Location: Black Creek Twp. Seller: Robert W. Niederberger. Price: $360,000.


Pamela and Anthony Shumskas III. Property location: Tobyhanna Township. Seller: Jeanne Fellows Est., Elizabeth Costine (Exr.). Price: $623,000. Hilda Sierra and Joseph Cintron. Property location: Middle Smithfield Township. Seller: LTS Homes LLC. Price: $315,900. Will and Deirdre Russell. Property location: Hamilton Township. Seller: Patricia Bunche, David William Hittinger, David Hittinger, Nancy Lehrer. Price: $440,000. Ryan Imports Realty LLC. Property location: Barrett Township. Seller: Thomas and Carla Revocable Trust. Price: $310,000. Ryan and Dora Meissner. Property location: Stroud Township. Seller: Daniel McConnell. Price: $300,000. Richard and Ellen Wilson. Property location: Tobyhanna Township. Seller: Stephen and Amy Plourde. Price: $325,000. Geoffrey Ray. Property location: Coolbaugh Township. Seller: Live Forever LLC. Price: $173,700. Margaret Lapooh. Property location: Barrett Township. Seller: Edward and Carol Meredith, Skytop Lodge Corp. Price: $395,000. Edward and Carol Meredith. Property location: Barrett Township. Seller: Jacqueline Mishrick and Skytop Lodge Corp. Price: $865,000. Walter Hartmann. Property location: Paradise Township. Seller: Pip Holdings, Peter and William Pipolo (partner). Price: $290,000. Robert Ace Jr. Construction LLC. Property location: Pocono Township. Seller: AJS Development Group Inc. Price: $137,000. Philip and Tammy Siana. Property location: Paradise Township. Seller: Mark Nauman. Price: $290,000. Shivay Property LLC. Property location: Middle Smithfield Township. Seller: 209 Plaza Associates LLC. Price: $940,000. Barbara Justice. Property location: Middle Smithfield Township. Seller: Isis Devino Management Trust, ESSA Bank & Trust (Trus.). Price: $290,000. Michael Minnick and Stephanie Pope. Property location: Pocono Township. Seller: James Peiffer. Price: $340,000. Fairmount Hospitality LLC. Property location: Delaware Water Gap. Seller: WGL Limited Partnership, 101 Broad Street Inc. (gen. partner). Price: $900,000. Jimmy and Jennifer Feliz. Property location: Stroud Township. Seller: Richard and Marcelita Mason. Price: $332,500. Kanya Holding LLC. Property location: Stroudsburg. Seller: James Patrick Hickey Jr. Est., Deborah Hickey (exec.). Price: $167,000. Kazim Mohammed. Property location: Stroud Township. Seller: USPO LLC. Price: $321,000. Miller Group Holdings LP. Property location: Jackson Township. Seller: James Shick. Price: $200,000. Raymond Lewis and Wai Yuen. Property location: Tobyhanna Township. Seller: Francine Evans. Price: $363,000. Sun Set Bar & Grill LLC. Property location: Ross Township. Seller: DWM LLC, Wesley Mager, Daniel Schaller and Margaret Schaller (partner). Price: $185,000. Homepath Services LLC. Property location: Pocono Township. Seller: Sixth Street Partners Inc. Price: $125,000.




Richard and Jessica Marn. Property location: Tobyhanna Township. Seller: Barry and Kathleen Hicks. Price: $300,000. Dolores Joseph-Pauline. Property location: Jackson Township. Seller: Peter and Patricia Puglia. Price: $339,800. Stephen Savarino. Property location: Hamilton Township. Seller: Steven and Marie Grimm. Price: $363,000. John and Maria Tomassetti. Property location: Coolbaugh Township. Seller: John and Maria Tomassetti. Price: $323,000. Michael and Diane Mulligan. Property location: Tunkhannock Township. Seller: Robert Tomasko. Price: $320,000. Jermaine and Sharon Bell. Property location: Middle Smithfield Township. Seller: John and Cori Rasulo. Price: $315,000. Edward Niescior and Lauren Tulli. Property location: Tobyhanna Township. Seller: Robert McManus Est., John McManus Jr. (exr.), James Mortimer. Price: $312,000. Mary Clark. Property location: Middle Smithfield Township. Seller: Jennifer and Jeremi Pastuszek. Price: $348,000. Jose Perez-Castillo and Damaris Vega. Property location: Ross Township. Seller: Anthony and Allison Fernandes. Price: $312,000. Carlos Roman. Property location: Stroud Township. Seller: Madelyn and Harry Santiago. Price: $368,000. Battle Monument Partners LLC. Property location: Coolbaugh Township. Seller: Hendricks Commercial Properties LLC. Price: $925,000. Home Self Storage LLC. Property location: Chestnuthill Township. Seller: Daniel Stettler. Price: $1. Tax basis: $414,780. Georgia Combs. Property location: Middle Smithfield Township. Seller: Joseph Turkson. Price: $339,800. Stephen and Edith DiPaolo. Property location: Tobyhanna Township. Seller: John and Jane Schwanhausser. Price: $330,000. Samantha Yap. Property location: Middle Smithfield Township. Seller: Marie Deresky. Price: $312,500. St Luke’s Hospital – Monroe Campus. Property location: Stroud Township. Seller: Charles and Joan Hannig. Price: $3,575,000. Celmira Velazquez. Property location: Hamilton Township. Seller: Emma Wengerd. Price: $328,500. Euphemia Lewis. Property location: Hamilton Township. Seller: Classic Quality Homes Inc. Price: $314,900. Charles and Nancy Marquez. Property location: Middle Smithfield Township. Seller: R. Lee and Sylvia Byers. Price: $349,900. Marshall and Company Holdings LLC. Property location: Paradise Township. Seller: Tru Properties LLC. Price: $775,000. Calis Roofing LLC. Property location: Stroud Township. Seller: PHH Mortgage Corp. Price: $201,000.


Nataliya Gnatkiv. Property Location: Blooming grove Twp. Seller: Jean L. Lam. Price: $299,900. Andrew J Lescinsky. Property Location: Dingman Twp. Seller: Barry Kaminsky. Price: $320,000. Ryan Hodder. Property Location: DIngman Twp. Seller: Linda Van Haren. Price: $415,000. Eric N. Boe. Property Location: Dingman Twp. Seller: Jinansu, LLC. Price: $1,454,000. Natalya Khandrom. Property Location: Greene Twp. Seller: Maria Nubile. Price: $302,500. Angela Camarda. Property Location: Lackawaxen Twp. Seller: Frederick A. Moore Jr. Price: $245,000. Thomas Harlan. Property Location: Lackawaxen Twp. Seller: Jesse Van Ewyk. Price: $276,000. Janet Lynne Davis. Property Location: Lackawaxen Twp. Seller: Ionic Properties LLC. Price: $295,000.

John A Markey. Property Location: Lackawaxen. Seller: Kathie J. Oswald. Price: $260,000. Frank Catalanotto. Property Location: Lackawaxen Twp. Seller: Theresa Treanor. Price: $265,000. Allan J Blau. Property Location: Palmyra Twp. Seller: Danny J. Bakker. Price: $260,000. C & Y Realty LLC. Property Location: Palmyra Twp. Seller: Robert Schneider. Price: $337,000. Stephen M McLain. Property Location: Palmyra Twp. Seller: Carl L. Hollenback. Price: $475,000. George J Lichvar. Property Location: Palmyra Twp. Seller: Paupack Property Management LLC. $430,000. Denise Lacombe. Property Location: Palmyra Twp. Seller: Bruce A. Fenimore. $370,000. Michael Hackett. Property Location: Palmyra Twp. Seller: Scott Stoll. Price: $255,000. Andrew L Lewis IV. Property Location: Palmyra Twp. Seller: Liberty Home Development Corporation Ltd. Price: $600,000. Barry C Malloy. Property Location: Palmyra Twp. Seller: Michael C. Flanagan. Price: $710,000. John J Hughes. Property Location: Palmyra Twp. Seller: Robert Hughes. Price: $725,000. Kerry Flynn. Property Location: Sholhola Twp. Seller: Francis Reome Jr. Price: $252,000. Raymond Thomas Dilly. Property Location: Shohola Twp. Seller: Fannie Mae a/k/a Federal National Mortgage Association. Price: $256,125. Li Chun-Lun. Property Location: Westfall Twp. Seller: Christine M. Stanley. Price: $750,000.


Goliath Properties Inc. Property Location: S. McAdoo, Seller: Ronald Chivinsky and Joseph Nealis. Price: $40,000. Nathan and Jessica Seiders. Property Location: North Manheim Township, Seller: Diane and Robert Mashack. Price: $270,000. John Eckert and Pamela Black.Property Location: East Brunswick Township. Seller: Pamela BlackPrice: $250,000. Joelle and Mark Strona. Property Location: Lake Hauto, Rush Township. Seller: Robert and Jayne Dieruff. Price: $255,000. Ed and Nancy Mady. Property Location: Valley Road, Blythe Township.Seller: Francis B. and Robin Green. Price: $550,000. Community Missions NP. Property Location: Mahoning Township. Seller: 135 5th Street LP. Price:$117,051.


David Lowe. Property Location: Lehigh. Seller: John M. Bonk. Price: $557,500. Robert Pyskadlo. Property Location: Paupack. Seller: Janice Denise Meckeler. Price: $640,000. Roger J Cacchiotti. Property Location: Damascus. Seller: John S. Kennard. Price: $297,000. Veronica Barrouk. Property Location: Texas. Seller: Brian Lenczewski. Price: $315,000. Richard Park. Property Location: Lake. Seller: Charles W. Devereaux. Price: $410,000. Jennifer Verrastro. Property Location: Salem. Seller: Dino Reguzzoni. Price: $360,000. John Bender. Property Location: Texas 3. Seller: Robert C. Roe II. Price: $505,000. M&R Real Estate LLC. Property Location: Clinton. Seller: Daniel A. Droppa. Price: $275,000. Strategic Realty Fund LLC. Property Location: Sterling. Seller: Freddie Mac. Price: $14,500. Michael Sorrentino. Property Location: Texas. Seller: Thomas C. Tigue. Price: $265,000. Maureen Mouton. Property Location: Damascus. Seller: Thomas Haberthur. Price: $325,000. Michael LaCasse. Property Location: Lebanon. Seller:

FOR THE RECORD Lender: Andrew P Kupchik Sr. Amount: $371,170. John C Schieber. Property Location: Jefferson Twp. Lender: Community Bank. Amount: $640,000. anthony J Cantafio., Property Location: Jefferson Twp. Lender: Invicta Mortgage Group Inc. Amount: $327,860. Lackawanna Energy Center LLC. Property Location: Jessup Twp. Lender: MUFG Union Bank. Amount: $1,594,420,000. Lackawanna Energy Center LLC. Property Location: Jessup Twp. Lender: MUFG Union Bank. Amount: $800,000,000. William J Jordan Jr. Property Location: LaPlume Twp. Lender: Fidelity Dep & Disc Bk. Amount: $417,000. James W Klena. Property Location: Moosic Boro. Lender: USAA Federal Savings Bank. Amount: $353,362. Robert S Tamurro Ind & Tr. Property Location: Moosic Boro. Lender: Morgan Stanley Private Bank Amount: $400,000. WYOMING COUNTY Gilbron Realty Inc. Property Location: Moosic Boro. Jeffrey Crambo. Property Location: Clinton Twp. Seller: Lender: Peoples Security Bank & Trust Co. Amount: Joseph Bushta. Price: $447,000. $1,750,000. Tejash R Patel. Property Location: Moosic Boro. Lender: Community Bank. Amount: $300,000. MORTgagEs Carmine Fiorillo. Property Location: Newton Twp. COLUMBIa COUNTY Lender: Peoples Security Bank & Trust Co. Amount: Jonas M and Bertha M Beiler Jr. Property Location: $365,000. Madison Township. Lender: Old Order Amish Helping County Line River & Land Company LLC. Property Program. Amount: $450,000. Location: Old Forge Boro. Lender: Luzerne Bank. Amount: Edward M and Donna J Schu. Property Location: Cleveland Township. Lender: First Citizens Community Bank, $400,000. Stephen Michael Rebar. Property Location: Olyphant Farm Service Agency, United States of America, US. Dept. of Boro. Lender: Fidelity Dep & Disc Bk. Amount: $400,000. Agriculture. Amount: $351,000 and $300,000. Jaime Lynn Hector. Property Location: Ransom Twp. Red Rock Realty LLC. Property Location: Bloomsburg. Lender: First Columbia Bank & Trust Co. Amount: $238,000. Lender: Sterns Lending LLC. Amount: $299,700. Luzerne Plaza assoc. LP. Property Location: Scranton Nathaniel W Flook and Sherry L Clements. Property Location: Orange Township. Lender: First Columbia Bank & City. Lender: Oklahoma Fidelity Bank. Amount: $12,500,000. Richard L Hughes. Property Location: Scranton Trust Co. Amount: $685,350. City. Lender: Ark La Tex Financial Services LLC. Amount: Columbia County Housing Corporation. Property Location: Berwick. Lender: First Keystone Community Bank. $255,000. Connor Rose Realty Inc. Property Location: Scranton Amount: $47,250. City. Lender: Union Savings Bank. Amount: $1,976,000. Zenzel Properties LLC. Property Location: BloomsaTR Properties LLC. Property Location: Scranton City. burg. Lender: First Keystone Community Bank. Amount: Lender: First National Bank of PA. Amount: $500,000. $180,000. Ruth P Davis. Property Location: Scranton City. Lender: Dhwani Realty Inc. Property Location: Hemlock TownPNC. Amount: $3,900,000. ship. Lender: Landmark County Bank. Amount: $300,000. 1004-1018 South Main avenue LLC. Property LocaKevin G and Shelley M Farrell. Property Location: tion: Scranton City. Lender: Greater Hudson Bank. Amount: Scott Township. Lender: Navy Federal Credit Union. $550,000. Amount: $338,151. aditi LLC. Property Location: Scranton City. Lender: Michael Morucci. Property Location: Bloomsburg. Lender: First Columbia Bank & Trust Co. Amount: $310,000. Community Bank. Amount: $300,000. Evanish Realty LLC. Property Location: Scranton City. Red Mills Holdings LLC. Property Location: Mifflin Lender: Peoples Security Bank. Amount: $1,846,707. Township. Lender: MidAtlantic Farm Credit. Amount: Mazz Real Estate Holdings LLC. Property Location: $37,500. Corey a and Donelle M Honabach. Property Location: Scranton City. Lender: Wayne Bank. Amount: $550,000. Mazz Real Estate Holdings LLC. Property Location: Scott Township. Lender: First Columbia Bank and Trust Co. Scranton City. Lender: Wayne Bank. Amount: $550,000. Amount: $2,360,000. Matthew M Stopper. Property Location: So. Abington Corey a and Donelle M Honabach. Property Location: Twp. Lender: Essa Bank & Trust. Amount: $340,073. Scott Township. Lender: Robert E. Weiss Jr. Amount: Mark Lewis Johnson. Property Location: S. Abington $345,000. Twp. Lender: Fidelity Dep & Disc Bk. Amount: $374,000. JKLM Bloom Properties LLC. Property Location: Clyde Jacob Rosencrance. Property Location: S. Bloomsburg. Lender: M&T Bank. Amount: $760,000. Abington Twp. Lender: NET Federal Credit Union. Amount: $256,500. LaCKaWaNNa COUNTY Eileen Temprine. Property Location: S. Abington Fred aebli. Property Location: Covington Twp. Lender: Twp. Lender: American Financial Resources Inc. Amount: New Day Financial LLC. Amount: $350,000. $1,400,000. Nibor Partners LLC. Property Location: Dickson City. Erica Lynn arthur. Property Location: S. Abington Twp. Lender: Branch Banking & Trust Co. Amount: $1,200,000. Lender: PS Bank. Amount: $323,200. Store Master Funding X LLC. Property Location: Michael J Lloyd Jr. Property Location: Springbrook Dickson City. Lender: CitiBank. Amount: $2,030,000. Twp. Lender: Honesdale National Bank. Amount: $285,000. R McGregor Companies Inc. Property Location: Elaine D Zaharopoulos. Property Location: Throop Dunmore Boro. Lender: Peoples Security Bank & Trust Co. Boro. Lender: FNCB Bank. Amount: $272,000. Amount: $500,000. Matts Properties LLC. Property Location: Throop Boro. Jennifer S Spinelli. Property Location: Glenburn Twp. Kim M. Giordano. Price: $260,000. J Bissett Enterprises Inc. Property Location: Honesdale. Seller: Michael PA Prop. Inc. Price: $100,000. Lisa LaRosa. Property Location: Lehigh. Seller: John J. Zufelt, Trustee. Price: $268,795. Li Qiang. Property Location: Berlin. Seller: Elizabeth L. Hartley. Price: $165,000. TRST LLC Trustee. Property Location: Buckingham & Mt. Pleasant. Seller: Rose Hernandez & Anna Maria Ciezza. Price: $50,000. EKG Partnership. Property Location: Texas. Seller: Joseph M. Allen by Sheriff. Price: $64,527.41. Nationwide Capital Group LLC. Property Location: Lake. Seller: Emily A. Kondes. Price: $250. Odd Ogg 38 LLC. Property Location: Hawley. Seller: Wilson A. De Chiara. Price: $63,000.

Lender: Community Bank. Amount: $720,922. Jessica Tornambe. Property Location: Throop Boro. Lender: Peoples Security Bank & Trust Co. Amount: $279,200. EGC Greenridge LP. Property Location: Unspecified Municipality. Lender: Oklahoma Fidelity Bank. Amount: $12,500,000. Gregory K Buchholz. Property Location: W. Abington Twp. Lender: First National Bank of PA. Amount: $266,000 William J Jordan Jr. Property Location: W. Abington Twp. Lender: Fidelity Dep & Disc Bk. Amount: $417,000. Srinivasarao Ramakrishna. Property Location: W. Abington Twp. Lender: Fidelity Dep & Disc Bk. Amount: $543,000. Srinivasarao Ramakrishna. Property Location: W. Abington Twp. Lender: Fidelity Dep & Disc Bk. Amount: $417,000. Vinny Q Lam. Property Location: W. Abington Twp. Lender: Stearns Lending LLC. Amount: $332,500. Stephen W. Saunders. Property Location: W. Abington Twp. Lender: Fidelity Dep & Disc. Bk. Amount: $256,000. Kelly Lenahan. Property Location: W. Abington Twp. Lender: Peoples Security Bank & Trust Co. Amount: $284,000. LMS Properties LLC. Property Location: W. Abington Twp. Lender: Peoples Security Bank & Trust Co. Amount: $365,000. Pragya Dhaubhadel. Property Location: W. Abington Twp. Lender: Bank of America. Amount: $300,000. Edward Richard Mazaleski. Property Location: W. Abington Twp. Lender: Wayne Bank. Amount: $550,000.


Jaycee associates. Property Location: West Hazleton Boro. Lender: PNC Bank. Amount: $2,000,000. Brian Fischer. Property Location: Rice Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $300,000. PPH-Duryea LLC, PPH- Lords Valley LLC, PHH- Hamlin LLC, PPH- Eastside LLC, PPH -Union LLC, PPH- Sewer Treatment LLC. Property Location: Duryea Boro. Lender: Peapack-Gladstone Bank. Amount: $12,250,000. Christopher J Yurkanin. Property Location: Kingston Twp. Lender: JPMorgan Chase Bank. Amount: $595,000. Kenneth M Marquis. Property Location: Kingston Twp. Lender: Landmark Community Bank. Amount: $355,000. Mericle 100 Centerpoint East LLC. Property Location: Jenkins Twp., Pittston Twp., Wright Twp., Hazle Twp., West Hazelton Boro. Lender: Voya Retirement Insurance and Annuity Company. Amount: $67,000,000. Ryan a Stoa. Property Location: Dallas Twp. Lender: JPMorgan Chase Bank. Amount: $346,675. alexander M Piczon. Property Location: Forty Fort Boro. Lender: Mortgage Electronic Registration Systems Inc. Amount: $321,261. WCH Management Group Inc. Property Location: Jenkins Twp. Lender: Fidelity Deposit & Discount Bank. Amount: $35,000. Michael Witek. Property Location: Duryea Boro. Lender: PNC Mortgage. Amount: $279,851. Kevin Rea. Property Location: Nuangola Boro. Lender: Honesdale National Bank. Amount: $360,000. David E Hess. Property Location: Fairmount Twp. Lender: Mortgage Electronic Registration Systems, Inc. Amount: $378,000. Donna G Casey. Property Location: Plymouth Twp. Lender: First Keystone Community Bank. Amount: $725,000. Justin L Hanks. Property Location: Fairview Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $287,000. Post Family Limited Partnership. Property Location:

Wilkes Barre Twp. Lender: Choice One Community Federal Credit Union. Amount: $800,000. Joseph Blass. Property Location: Wright Twp. Lender: U. S. Bank. Amount: $264,780. Terry L Zipay. Property Location: Kingston Twp. Lender: Secretary of Housing & Urban Development. Amount: $303,000. Terry L Zipay. Property Location: Kingston Twp. Lender: Reverse Mortgage Funding LLC. Amount: $303,000. Four One Company LP. Property Location: Wyoming Boro. Lender: PNC Bank. Amount: $3,900,000. Three One Company. Property Location: Wilkes Barre City. Lender: PNC Bank. Amount: $3,200,000. Karla Harman. Property Location: Swoyersville Boro. Lender: Fidelity Deposit & Discount Bank. Amount: $253,390. PK Highland Realty LP. Property Location: Pittston Twp. Lender: PNC Bank. Amount: $3,900,000. Center Company. Property Location: Kingston Twp. Lender: PNC Bank. Amount: $3,200,000. David L Stroud. Property Location: Bear Creek Twp. Lender: Mortgage Electronic Registration Systems, Inc. Amount: $381,000. Michael L alston. Property Location: Hazle Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $353,600. TaPaSWI LLC. Property Location: Nanticoke City. Lender: Landmark Community Bank. Amount: $584,000. TaPaSWI LLC. Property Location: Nanticoke City. Lender: Landmark Community Bank. Amount: $584,000. TaPaSWI LLC. Property Location: Nanticoke City. Lender: Landmark Community Bank. Amount: $584,000. Taffera Realty LLC. Property Location: Avoca Boro., Pittston City. Lender: FNCB Bank. Amount: $320,000. Joseph P Ferraro. Property Location: Hanover Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $290,789. Mapps LLC. Property Location: New Columbus Boro. Lender: Randy A. Yaple. Amount: $419,900. Insalaco’s Foodliner LP. Property Location: Pittston City. Lender: Landmark Community Bank. Amount: $2,500,000. KT Holdings Inc. Property Location: Wright Twp. Lender: Luzerne Bank. Amount: $7,650,000. County Line River and Land Company, LLC. Property Location: Duryea Boro. Lender: Luzerne Bank. Amount: $400,000. Christopher Pierich. Property Location: Dallas Twp. Lender: Citizens Savings Bank. Amount: $253,000. Riverview West I LLC. Property Location: Wilkes Barre City. Lender: Instant Cash Finance LLC. Amount: $3,000,000. Michael R Dutrow. Property Location: Wright Twp. Lender: Honesdale National Bank. Amount: $290,000. Salvatore L Sciandra. Property Location: Jenkins Twp. Lender: Fidelity Deposit & Discount Bank. Amount: $417,000. Lori allocca. Property Location: Dorrance Twp. Lender: Honesdale National Bank. Amount: $530,000. Jason Jennings. Property Location: Rice Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $257,741. CBS Realty Inc. Property Location: Hazle Twp. Lender: Mid Penn Bank. Amount: $275,000. JP Guinness LLC. Property Location: Dallas Boro. Lender: Peoples Security Bank and Trust Company. Amount: $375,000. JP Guinness LLC. Property Location: Dallas Boro. Lender: Peoples Security Bank and Trust Company. Amount: $360,000. SaI Hazleton Realty LLC. Property Location: Hazleton City. Lender: Landmark Community Bank. Amount:




$520,000. Amy B Patton. Property Location: Butler Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $399,370. IBEW Local 163 Joint Apprentice &Training Committee Brotherhood of Electrical Workers Local No 163 Joint Apprentice & Training Committee. Property Location: Nanticoke City. Lender: M&T Bank. Amount: $650,000. Lynn A Bittner. Property Location: Dallas Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $260,000. Melissa Kelly. Property Location: Pittston Twp. Lender: Benchmark Mortgage. Amount: $250,000. Craig R Hanlon. Property Location: Black Creed Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $278,000.


Pamela and Anthony Shumskas III. Property location: Tobyhanna Township. Lender: Bank of America NA. Amount: $498,400. Joseph and Alynn Citrino. Property location: Jackson Township. Lender: American Advisors Group. Amount: $337,500. Joseph Cintron and Hilda Sierra. Property location: Middle Smithfield Township. Lender: Wells Fargo Bank NA. Amount: $300,105. Will and Deirdre Russell. Property location: Hamilton Township. Lender: ESSA Bank & Trust. Amount: $352,000. Mark Germain. Property location: Tobyhanna Township. Lender: Wells Fargo Bank NA. Amount: $337,500. Victor and Priya Maldonado. Property location: Jackson Township. Lender: Sun West Mortgage Co. Inc. Amount: $333,408.

New Development & Relocation Opportunities Needed

Pennsylvania Counties of Interest Include: • Bradford, Bucks, Carbon, Columbia, Lackawanna, Lehigh, Luzerne, Lycoming, Monroe, Northampton, Pike, Schuylkill, Sullivan, Susquehanna, Tioga, Wayne, Wyoming Locations Wanted: • Flexible space requirements • End Cap, In-Line, Drive-Thru, Free Standing Bring us any and all potential locations. We will determine if we can develop or possibly relocate to your site. PLEASE CONTACT Abbie Muto Cheryl Green (610) 366-8120 •

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Cross Country Equity LLC. Property location: Chestnuthill Township. Lender: Steve and Jordan Hassell. Amount: $81,459. Bhimnath Mahadev LLC. Property location: East Stroudsburg. Lender: First Keystone Community Bank. Amount: $248,000. Ryan and Dora Meissner. Property location: Stroud Township. Lender: Daniel McConnell. Amount: $300,000. Blakeslee Properties LLC. Property location: Tobyhanna Township. Lender: Republic Bank. Amount: $2,900,000. Edward and Carol Meredith. Property location: Barrett Township. Lender: Freedom Mortgage Corp. Amount: $417,000. John Colerangle. Property location: Middle Smithfield Township. Lender: CrossCountry Mortgage Inc. Amount: $306,000. Peter and Karen Kozlowski. Property location: Tobyhanna Township. Lender: Citibank NA. Amount: $326,700. Robert K Ace Jr. Construction LLC. Property location: Pocono Township. Lender: Wayne Bank. Amount: $109,000. Exeter 2086 Corporate Center LLC, Exeter Operating Partnership III, Exeter Industrial Reit III LLC. Property location: Coolbaugh Township. Lender: Webster Bank NA. Amount: $47,710,000. Stroudsburg Industrial Park LLC. Property location: Stroudsburg. Lender: First National Bank of Pennsylvania. Amount: $2,000,000. Stanley Eason. Property location: Pocono Township. Lender: American Financial Network. Amount: $297,640. Shivay Property LLC. Property location: Middle Smithfield Township. Lender: Peoples Security Bank and Trust Co. Amount: $600,000. RJ Residential LLC. Property location: Eldred Township. Lender: Dime Bank. Amount: $75,000. Fairmount Hospitality LLC. Property location: Delaware Water Gap. Lender: NOA Bank. Amount: $1,400,000. Mountain Hollow Estate LLC, DLP Equity Fund I LP, DLP Capital Advisors LLC (gen. partner). Property location: Stroud Township. Lender: Meridian Bank. Amount: $2,808,000. Kanya Holding LLC. Property location: Stroudsburg. Lender: ESSA Bank & Trust. Amount: $133,600. Brodheadsville Properties LP. Property location: Chestnuthill Township. Lender: BMO Harris Bank NA. Amount: $1,500,000. Stanley Petko. Property location: Hamilton Township. Lender: Atlantic Bay Mortgage Group LLC. Amount: $299,000. Cecil and Anita Regman. Property location: Middle Smithfield Township. Lender: LLC. Amount: $311,761. Adam Edelman. Property location: Middle Smithfield Township. Lender: Sofi Lending Corp. Amount: $291,000. Blueberry Mountain Realty LLC, John Chang 2004 Irrevocable Trust, Hee Chang and Youn Lenoir (trus.). Property location: Tobyhanna Township. Lender: Pacific City Bank. Amount: $2,300,000. Raymond Lewis and Wai Yuen. Property location: Tobyhanna Township. Lender: Homebridge Financial Services Inc. Amount: $290,400. Sun Set Bar & Grill LLC. Property location: Ross Township. Lender: Lafayette Ambassador Bank. Amount: $188,000. Adhirakash Dhanesar. Property location: Smithfield Township. Lender: ESSA Bank & Trust. Amount: $500,000. Dolores Joseph-Pauline. Property location: Jackson Township. Lender: Citizens Savings Bank.Amount: $305,820. Stephen Savarino. Property location: Hamilton Township. Lender: JPMorgan Chase Bank NA. Amount: $290,400.




George and Tracy Gordon. Property location: Tobyhanna Township. Lender: Mortgage Master. Amount: $620,000. Stephen Donnarumma and Marie Barbuto. Property location: Coolbaugh Township. Lender: PNC Mortgage. Amount: $325,000. Pinecrest Lake Companies Inc. Property location: Tobyhanna Township. Lender: Marlin and Gloria Keiper. Amount: $60,000. Lake Naomi Club. Property location: Tobyhanna Township. Lender: Landmark Community Bank. Amount: $273,600. LTS Homes LLC. Property location: Price Township. Lender: Wayne Bank. Amount: $250,000. Dean and Althea Neely. Property location: Tobyhanna Township. Lender: ESSA Bank & Trust. Amount: $417,000. Sharon and Jermaine Bell. Property location: Middle Smithfield Township. Lender: Semper Home Loans Inc. Amount: $299,250. Mary Clark. Property location: Middle Smithfield Township. Lender: Navy Federal Credit Union. Amount: $354,090. Jose Perez-Castillo and Damaris Vega. Property location: Ross Township. Lender: Wells Fargo Bank NA. Amount: $294,500. Carlos Roman. Property location: Stroud Township. Lender: Freedom Mortgage Corp. Amount: $331,000. Battle Monument Partners LLC. Property location: Coolbaugh Township. Lender: Wayne Bank. Amount: $693,750. Crossroads Mall Limited Partnership, Pace Innovations Corp. (gen. partner). Property location: Stroud Township. Lender: Investors Bank. Amount: $29,500,000. Smith and Arabia LLC. Property location: Tunkhannock Township. Lender: FirsTrust Bank. Amount: $65,000. Ryan and Dora Meissner. Property location: Jackson Township. Lender: Freedom Mortgage Corp. Amount: $302,850. Georgia Combs. Property location: Middle Smithfield Township. Lender: Iserve Residential Lending LLC. Amount: $338,450. Lakeside Investment Corp. Property location: Middle Smithfield Township. Lender: Dime Bank. Amount: $40,000. MP II LLC. Property location: Stroudsburg. Lender: Covenant Bank. Amount: $80,000. DLP SF Fund II LLC, DLP Capital Advisors LLC. Property location: Tobyhanna Township. Lender: American Bank. Amount: $1,000,000. Derrick and Jennifer Handwerk. Property location: Tobyhanna Township. Lender: McGlone Mortgage Group. Amount: $337,500. Fidere Inc. Property location: Chestnuthill Township. Lender: Peoples Security Bank and Trust Co. Amount: $120,000. JHJF Properties LLC. Property location: Middle Smithfield Township. Lender: New Tripoli Bank. Amount: $144,725. JHJF Properties LLC. Property location: Mt. Pocono. Lender: New Tripoli Bank. Amount: $83,400. JHJF Properties LLC. Property location: Barrett Township. Lender: New Tripoli Bank. Amount: $81,750. Lindenmere Sports and Arts Center LLC. Property location: Pocono Township. Lender: Dime Bank. Amount: $2,000,000. Marshall and Company Holdings LLC. Property location: Paradise Township. Lender: Wayne Bank. Amount: $640,000. Calis Roofing LLC. Property location: Stroud Township. Lender: Silvan Funding LLC. Series 1630s. Amount: $110,550.


Michael J Emerson. Property Location: Dingman Twp. Lender MERS. Amount: $312,363.

Eric P Asplundh. Property Location: Palmyra Twp. Lender: PNC Bank NA. Amount: $500,000. WCS Trust. Property Location: Matamoras Boro. Lender Dime Bank. Amount: $3,750,000. Stephen M McLain. Property Location: Palmyra Twp. Lender: Dime Bank. Amount: $325,000. George J Lichvar. Property Location: Palmyra Twp. Lender: Wells Fargo Bank NA. Amount: $333,000. Debra S Sibirtzeff. Property Location: Dingman Twp. Lender: MERS. Amount: $314,204. Scott Dalrymple. Property Location: Dingman Twp. Lender: Wells Fargo Bank NA. Amount: $250,000. Kenneth Litzenberger TR, Robert H. Litzenberger. Property Location: Shohola Twp.; Milford Twp. Lender: Robert H. Litzenberger Irrev. Tr. Amount: $952,523. Barry C Malloy. Property Location: Palmyra Twp. Lender: MERS. Amount: $568,000. Paul E Cunningham. Property Location: Palmyra Twp. Lender: MERS. Amount: $290,630. Ryan Hodder. Property Location: Dingman Twp. Lender: MERS. Amount: $332,000. Eric N Boe. Property Location: Dingman Twp. Lender: MERS. Amount: $1,090,500. Dorothy Winhold. Property Location: Blooming Grove Twp. Lender: MERS. Amount: $259,500. James F Furino. Property Location: Dingman Twp. Lender: JPMorgan Chase Bank NA. Amount: $256,000. Thomas R Mueller. Property Location: Palmyra Twp. Lender: Honesdale National Bank. Amount: $1,800,000. Barbara Davis. Property Location: Palmyra Twp. Lender: Wells Fargo Bank NA. Amount: $392,000. Robert Strohmater. Property Location: Porter Twp. Lender: Wells Fargo Bank NA. Amount: $250,000. Ronald Feldman. Property Location: Shohola Twp. Lender: MERS. Amount: $417,000. John R Hughes. Property Location: Palmyra Twp. Lender: Robert P. Hughes. Amount: $725,000. Albert A Saporito. Property Location: Delaware Twp. Lender: MERS. Amount: $335,000.


Ron Koscil. Property Location: Norwegian Township. Lender: CACL Federal Credit Union. Amount:$274,842. Karla and Mark Driesback.Property Location: Wayne Township. Lender: MidAtlantic Farm Credit ACA. Amount: $256,000. Bonnie and Michael P. Brennan. Property Location: 82 4th Avenue, Pottsville. Lender: CACL Federal Credit Union. Amount: $437,500. JMAC Realty, LLC. Property Location: Tori Lane, Pine Grove. Lender: Riverview Bank. Amount:$300,000. Robert and Beth Krammes. Property Location: Red Dale Road, East Brunswick Township. Lender: Fulton Bank. Amount: $600,000. Robert and Beth Krammes. Property Location:Red Dale Road, East Brunswick Township. Lender: Fulton Bank. Amount: $450,000.


Brian T Shedick. Property Location: Paupack. Lender: JPMorgan Chase Bank NA. Amount: $315,000. PPH-Lords Valley LLC. Property Location: Leigh. Lender: Peapack-Gladstone Bank. Amount: $12,250,000. Ryan R Lupero. Property Location: Paupack. Lender: MERS-Primelending. Amount: $318,650. William Arrigan. Property Location: Preston. Lender: Wayne Bank. Amount: $480,000. Jeffrey H Olsommer. Property Location: Sterling. Lender: Honesdale National Bank. Amount: $1,100,000. Jerome J Chervanka. Property Location: Preston. Lender: MERS-Finance of America Mortgage LLC. Amount: $312,800.

FOR THE RECORD Thomas W Haberthur. Property Location: Damascus. Lender: MERS-River City Mortgage. Amount: $272,000.


Mark A Carpenter. Property Location: Clinton Twp. Lender: Peoples Security Bank & Trust Company. Amount: $308,000. Joseph D Mitchell. Property Location: Tunkhannock Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $268,114. William K Hadden Sr. Property Location: Mahoopany Twp. Lender: Community Bank. Amount: $300,000. Robert L Shaw. Property Location: Tunkhannock Twp. Lender: Mid Penn Bank. Amount: $607,000. Justin Yadlosky. Property Location: Tunkhannock Twp. Lender: FNCB Bank. Amount: $268,640. Lake Winola Holding LP. Property Location: Overfield Twp. Lender: FNCB Bank. Amount: $372,800. Patricia Ann Furneaux Brown. Property Location: Clinton Twp. Lender: Peoples Security Bank & Trust Company. Amount: $275,000. Frank J Brown. Property Location: Tunkhannock Boro. Lender: Peoples Security Bank & Trust Company. Amount: $275,000. Amanda Crambo. Property Location: Clinton Twp. Lender: Mortgage Electronic Registration Systems Inc. Amount: $357,000.


Adlex Group LLC. Filed: Dec. 27. Rental Properties. c/o Sebelin Law Offices PC, Leighton, PA 18235 Cortex Mobile Design LLC. Filed: Dec. 27. Retail Store. Happy Hogs LLC. Filed: Dec. 20. Livestock Farming. 277 North Shore Drive, Albrightsville, PA 18210.



Fishers Body Shop Inc. Filed: Dec. 15. Auto Body Repair. 376 Danville Rd., Bloomsburg, PA 17815


1916 Prospect Ave LLC. Filed Dec. 28. Real Estate. 16 Delaware Avenue, Pittston, PA 184663. All42MMC LLC. Filed Dec. 29. Mixed Martial Arts Instruction. 564 N. Main Avenue, Scranton, PA 18504. Alpine LLC. Filed: Dec. 27. Recreation & Entertainment. 538 Spruce Street, Scranton, PA 18503. Bad Kerning LLC. Filed: Dec. 16. Tabletop Games. 603 South Valley Avenue, Olyphant, PA 18447.] Bob Warner Heating & Cooling LLC. Filed: Dec. 23. Heating & Cooling. 940 N. Webster Avenue, Scranton, PA 18510. Bussola Solutions LLC. Filed Dec. 16. Business Services & Consulting., 201 S. Blakely Street, Dunmore, PA 18512. Dance Center Northeast. Filed: Dec. 21. Dance Education for Children. 542 Boulevard Ave., Dickson City 18519. Homeowner Funding. Residential Remodeling. 1013 Wood St., Scranton, PA 18508. AMW Associates, LLC. Filed: Dec. 27. Real Estate. 102 Nikelle Lane, South Abington Twp. 18411. HPM LLC. Filed: Dec. 23. Bar. 302 Penn Ave., Scranton, PA 18503. Imperial Foods & Market Corp. Filed: Dec. 26. Sales of Food. 1826 North Main Ave., Scranton, PA 18508.


American Heavy Medal. Filed: Dec. 19. Broker Heavy Equipment Sales. 14 Chestnutwood Drive, Laflin, PA 18702. AV&V Trucking LLC. Filed: January 3, 2017. Trucking. 111 W. Branch Street. West Hazelton, PA 18202. CEUey LLC. Filed: Dec. 29. Online Continuing Education. 315 Spring Street, West Pittston, PA 18643. AVP Taxi. Filed: Dec. 22. Taxi, Paratransit & Airport Service Transportation. 210 Montage Mountain Rd., 114, Moosic, PA 18507. Blue Light Ventures LTD. Filed: Dec. 23. New Product Development/Business Concepts. 389 Fairwood Blvd., Mountain Top, PA 18707. Busy Pawz LLC. Filed: Dec. 16. Dog Walking. 129 North Street, Mountain Top, PA 18707. Chino & Willis Corp. Filed: Dec. 16. Pizza Restaurant. 34 W. 9th Street, Hazleton, PA 18201. Classy Comforts LLC. Filed: Dec. 19. Retail-Internet. 870 Lake Street, Dallas, PA 18612. Diversified Insurance Group Inc. Filed: Dec. 29. Insurance Agency. 1221 Wyoming Avenue, Forty Fort, PA 18704. Drasher Road LLC. Filed: Dec ember 19. Real Estate. 21 Sydney Way, Sugarloaf, PA 18249. Effort Abstract LLC. Filed: Dec. 22. Settlement Services. 270 North Sherman St., Wilkes Barre, PA 18640. Employee Providers LLC. Filed: Dec. 21. Staffing Agency. 4a Gateway Shopping Center. Edwardsville, PA 18704. Erwine Hospice Inc. Filed: Dec. 15. Hospice Care. 270 Pierce Street, Kingston, PA 18714. Five Diamond Distribution. Filed: Dec. 28. Retail Store. Wyoming Ave., Kingston, PA 18704. Graffix Printing LLC. Filed: Dec. 16. Printing. 74 Market Street, Pittston, PA 18640. GSLHS Development LLC. Filed: Dec. 27. Real Estate. 316 Linden Street, West Pittston, PA.

115 Carmela Court LLC. Filed: Dec. 15. Real Estate. 220 Pierce Street, Kingston, PA 18704. 16 Delaware Avenue Company. Filed: Dec. 20. Real Estate. 16 Delaware Avenue, West Pittston, PA 18463.

292 Properties LLC. Filed: Dec. 16. Real Estate. 478 Lower Swiftwater Road, Cresco, PA 18326. 3- W Racing LLC. Filed: Dec. 28. Horse Racing. 479 Birch St., Cresco, PA 18326. A&L Transmission & Repair LLC. Filed: Dec. 22. Ownership & Operation of Repair Shop. 201 Broad Street, Stroudsburg, PA 18360. A+Tutoring. Filed: Dec. 15. Tutoring Using Online Technology. 221 Skyline Drive, Ste. 208-200, Stroudsburg, PA 18301. B&M I LLC. Filed: Dec. 29. Retirement Investing. 541 N. 5th St. Stroudsburg, PA 18360. Blakeslee Healthcare Center. Filed: Dec. 27. Providing Health & Medical Services. 206 East Brown Street, East Stroudsburg, PA 18301. Blue Sky Tours & Travels Group. Filed: Dec. 28. Travel Agency. 69 Ransberry Avenue, East Stroudsburg, PA 18301. Cefaly and Associates PC. Filed: Dec. 21. CPA. 5329 Spruce Drive, Swiftwater, PA 18370. Century Beth Penn Partners LLC. Filed: Dec. 21. Real Estate. 67 Center Ave., Mount Pocono 18344. DeVellen LLC. Filed: Dec. 28. Certified Public Accounting Firm. 6256 Route 209, Stroudsburg, PA 18360. DCON Developers LLC. Filed: Dec. 22. Real Estate. 2008 Bernard Lane. Stroudsburg, PA 28360. Destinations Pocono. Filed: Dec. 22. Management of Motorcycle Centered Tourism. I-80 & Route 715, Tannersville, PA 18372. Eazitte Natural Products LLC. Filed: Dec. 20. Natural Body Products. 581 Hollow Road, East Stroudsburg, PA 18301. Empire State Logistics LLC. Filed: Dec. 23. Transportation, Cargo, in Trucks. 704 Holly Circle, East Stroudsburg, PA 18301.

Fabulous Forte Transportation LLC. Filed: Dec. 21. Provide Truck Transportation of General Cargo. 169 Blackcherry Lane, East Stroudsburg, PA 18301. Fu Lay II Restaurant. Filed: Dec. 21. Chinese Restaurant. 502 Main Street, Stroudsburg, PA 18360. G Reed Development LLC. Filed: Dec. 15. Real Estate. 301 Prospect St., Hawley, PA 18428. Garing Enterprises LLC. Filed: Dec. 19. Transportation Provider. 233 Melody Road, Honesdale, PA 18431. Indulgence Hair Studio LLC. Filed: Dec. 20. Cosmetology Salon. 2117 Blue Jay Lane, East Stroudsburg, PA 18301.


Wellwood Avenue LLC. Filed: Dec. 19. Real Estate. 627 Route 434, Shohola, PA 18458. B&R Small Engines. Filed: Dec. 27. Repair & Sale of Small Engines. 338 Deck Street, Schuylkill Haven, PA. Chiapparelli & Lancy Partnership. Filed: Dec. 28. Tanning, Beauty & Day Spa Services. 105 Wheatfield Dr., Milford, PA 18337. Danny’s Produce LLC. Filed: Dec. 19. Deliver/Sale of Food Service Goods from a Wholesale Store to Restaurants. 1270 Route 402 Road, Apt. A, Dingmans Ferry, PA 18328. Eye Associates of Paupack. Filed: Dec. 20. Optical & Medical Exams, Glasses & Contact Lens. 2571 Route 6 Hawley, PA.


B&R Small Engines. Filed: Dec. 27. Repair & Sale of Small Engines. 338 Deck Street, Schuylkill Haven, PA 17872 Care Package Kangaroo LLC. Filed: Dec. 21. Shipping Prepackaged Assorted Personal Care Products to Individuals Nationwide. 24 Parkers Lane, Tower City 17980. Frackville Public Spaces Inc. Filed: Dec. 23. Fundraising & Advise for Public Spaces. 39 S. Third Street, Frackville, PA 17931. Hayden Lilly LLC. Filed: Dec. 22. Life Coach. 5 Stoyer Avenue, Schuylkill Haven, PA 17972. Hidden Castle Banquets LLC. Filed: Dec. 19. Food Service & Banquet Hall. 18 Turnpike Road, Ashland, PA 17921. Hinnerscheitz Financial Services. Filed: Dec. 28. Financial Services & Mortgage Investment Advice. 30 S. Front Street, St. Clair, PA 17970.


BLJ Blue Stone LLC. Filed: Dec. 21, 23016. Stone Wholesaler. 98 Sawyer Blvd, Hallstead, PA 18822. CAD Bits LLC. Filed: Dec. 19. Technological Improvement. 869 Richardson Road, Milford, PA 18834. DanDois Lion DeLIghts. Filed: Dec. 20. Home Based Crochet Business. 1138 Baldwin Rd., Thompson, PA 18465. Endless Mountains Berry Farms Inc. Filed: Dec. 21. Trucking Co. Buy, Sell & Deliver Products. 2328 Osborne Road, New Milford, PA 18834. Hilltop Berry Farm Inc. Filed: Dec. 21. Production, Wholesale, Marketing, Distribution & Delivery of Farm Produce & Products. 2328 Osborne Road, New Milford, PA 18834.


Bright Vision LLC. Filed: Dec. 16, 2016, Real Estate. Deer Lane, Honesdale, PA 18431. Cherry Ridge Holdings LLC. Filed: Dec.19, 2016. Ownership, Management & Lease of Commercial Real Estate. 3298 Lake Ariel Highway, Honesdale, PA 18431. Folk Real Estate LLC. Filed: Dec. 28, 2016. Real Estate. 199 Eskra Road, Lake Ariel, PA 18436. FSM Consulting Enterprise Corp. Filed: Dec. 16, 2016. Consulting in Construction Business. 473 Easton Turnpike,

Lake Ariel, PA 18436. Honesdale Garage Door LLC. Filed: Dec. 15, 2016. Installation & Repair of Garage Doors. 27 Bulklhead Lane, Honesdale, PA 2843l.


This report on insider trading activity has been prepared for informational purposes only by James Blazejewski, CFP, senior vice president-investment officer, Wells Fargo Advisors LLC, 672 North River St., Suite 300, Plains, PA 18705. It is based on information generally available to the public from sources believed to be reliable. No representation is made that the information is accurate or complete and it does not constitute a recommendation to buy or sell any particular security. Current information contained in this report is not indicative of future activity. Wells Fargo Advisors, LLC, member NYSE & SIPC. Source of data: Thomson Financial INSIDER TRADING ACTIVITY ON STOCKS OF LOCAL INTEREST FOR FEBRUARY (CBU – 60.20) COMMUNITY BANK SYSTEM INC. Nicholas DiCerbo, chairman of the board of Community Bank System Inc. sold 1,000 shares on Dec. 27 at $62 per share for total proceeds of $62,000. DiCerbo controls 188,991 shares directly. Over the last six months insiders of Community Bank System Inc. acquired 109,297 shares and disposed of 98,053 shares. (CZNC – 25.77) CITIZENS & NORTHERN CORP. Bruce Haner, director of Citizens & Northern Corp., exercised options for 1,184 shares on Jan. 3 at $21.30 per share (538 shares exercised on expiration date and 646 shares exercised seven years prior to the expiration date) for a total cost of $25,222. Haner controls 28,597 shares directly. Susan Hartley, director of Citizens & Northern Corp., exercised options for 538 shares on Jan. 3 at $22.33 per share (shares exercised on expiration date) for a total cost of $12,011. Hartley controls 10,374 shares directly. Stan Dunsmore, vice president of Citizens & Northern Corp., exercised 3,668 shares on Dec. 22 at $16.92 per share (810 shares exercised one year prior to expiration; 1,005 shares exercised two years prior to expiration; and 1,853 shares exercised four years prior to expiration) for total cost of $62,061 and on the same date surrendered 2,434 shares back to Citizens & Northern Corporation at $25.50 per share for total proceeds of $62,055. Dunsmore controls 8,544 shares directly and 2,998 shares indirectly. John Reber, vice president of Citizens & Northern Corp., exercised 1,175 shares on Dec. 21 at $22.33 per share (shares exercised 13 days prior to expiration date) for a total cost of $26,232 and on the same date surrendered 1,022 shares back to Citizens & Northern Corp. at $25.66 per share for total proceeds of $26,219. Reber controls 6,684 shares directly and 3,355 shares indirectly. Over the last six months insiders of Citizens & Northern Corp. acquired 24,460 shares and disposed of 15,823 shares. (NWFL - 32.60) NORWOOD FINANCIAL CORP. John Carmody, vice president of Norwood Financial Corp., exercised options for 658 shares on December 28 at $25.25 per share (exercised 4 years prior to expiration date) for a total cost of $16,615 and on the same date sold those shares at $34 per share for total proceeds of $22,372. Carmody controls 560 shares directly and 7,779 shares indirectly. Over the last six months, insiders of Norwood Financial Corp. acquired 11,421 shares and disposed of 10,171 shares. Prices as of close of business Jan. 5, 2017



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Northeast Pennsylvania Business Journal--02-17