Bradfordjournalcolorissue4 17 14p

INDEX

Local News/Weather 2Comments & Opinions 3Obituaries 4 Social News 6Crossword/Word Seek 12

Comics/Sudoku/DVD New Releases

13

Classifi eds 19Senior Information page 20

Bradford JournalP.O. Box, Bradford, PA 16701

www.bradfordjournal.comPhone: 814-465-3468

VOL. 173 NO. 16 BRADFORD JOURNAL/MINER THURSDAY, APRIL 17 , 2014 www.bradfordjournal.com

Bradford Journal/McKean County Miner/Mount Jewett Echo Phone 814-465-3468

Bradford JournalBradford’s Weekly Newpaper $1.00

Bradford Journal PhotoThe Black Diamond Band was the fi nal act for the day, during this year’s VetJam Event held April 12th at the Bradford Vet Club’s Event Center. Left to right are John Brown, John Rimer (drummer), Dave Randall, and Bob Green. Proceeds of the event were for the benefi t of the Pennsylvania Veteran’s Foundation. (See photos and videos in associ-ated galleries.)

John Brown’s Black Diamond Band Performs

Bradford Journal PhotoCaitlin Cox 15, performed between bands during this year’s VetJam benefi t at the Bradford Vet’s Club Events Center, April 12th. Here she sings “Radio Active” by the Imagine Dragons. (See associated photo and videos in galleries.)

Caitlin Cox Performs

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

Marty Shafer Of SD Visits Bradford

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Page 2 Bradford Journal & Miner Thursday, April 17, 2014 www.bradfordjournal.com

LOCAL & AREA NEWS

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

THE BRADFORD AREA 5-DAY WEATHER FORECAST

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

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

Sunday, April 20:Mostly cloudy and cool today with a high of 54°.Sunday Night:Rain this even-ing followed by a late rain or snow shower. Low of 35°.

Monday,April 21:Clouds this morn-ing giving way to some sun this af-ternoon. High of 53°.Monday Night:Parlty cloudy then clearing tonight. Low of 34°.

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ON THE WEB!

Marissa Buchheit Appearing In Jesus Christ Superstar In Concert (MIDLAND) – Bradford resident Marissa Buchheit will be performing in the concert version of Jesus Christ Su-perstar this month at the Lincoln Park Performing Arts Center. Presented by the Lincoln Park Per-forming Arts Center Professional Com-pany show dates are April 25-27 and May 2-4. Buchheit will be featured as Soul Girl in this concert version which brings to life the songs of Andrew Lloyd Webber and Tim Rice from the award-winning musical about the last days of Jesus Christ as seen through the eyes of Ju-das. Based on the Gospels, the critically acclaimed rock opera profi les Jesus and those closest to him. Using contempo-rary elements, Jesus Christ Superstar in Concert highlights the struggles be-tween Jesus and Judas and ends with the crucifi xion. Currently a senior at Point Park Uni-versity’s Conservatory of Performing Arts, Buchheit will graduate May 3 with bachelor’s degree in acting and a minor in broadcast journalism. During the past year her other profes-sional credits have included Carla in In

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

High School and performed in numer-ous musicals and shows during her school years including the Bradford Little Theater production of Disney’s High School Musical and was a fea-tured soloist and choreographer for Ki-wanis Kapers. She is the daughter of Pete and Karen Buchheit of Bradford. According to the show’s director, Ga-van Pamer, “Most people may not know that ‘Jesus Christ Superstar’ was origi-nally developed as a concept album and the fi rst live performance in the United States took place in Pittsburgh. “It’s exciting to bring the show back to the basics, while still incorporating visuals that serve only to further the story instead of getting caught up in the expansive production aspects,” Pamer said. “We’re thrilled to present this mu-sical in its truest form.”`Information on tickets and show times is available at:

http://www.lppacenter.org

Marissa Buchheit

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

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

Students Honored At Pitt-Bradford Convocation


www.bradfordjournal.com Bradford Journal & Miner Thursday,April 17, 2014 Page 3

5 ¢ENTS WORTH by Grant Nichols It’s A Matter Of Opinion...

Guest Columnist

“What Does The ‘Lama’ Say?” -by Bob Perry

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

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

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

Bradford Journal PhotoMom, Ashley Smith, stands with her daughter Kyleigh Smith 5, while she de-cides just what type of balloon fi gure she wants Farmer Brown (Josh Hatcher) to make for her, April 12th during Kids Der-by at the Bradford Area Public Library.

Kyleigh Is Deciding



BRADFORD AREA BUSINESS DIRECTORY

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

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

Copy Deadline: Noon SaturdayPublished every Thursday at 69 Garlock Hollow. Bradford, PA 16701, Except for the third Thursday in the month of June.Internet Color Ver-sion - $15.00 yearlyEmail Color Version - $26.00 yearlyGrant NicholsPublisherDebi NicholsEditorDon PoleteoMilitary Correspondant

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

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





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

Finished With Shopping



BUSINESS & PERSONAL FINANCESDemystifying Credit Scores

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

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

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

Bradford Journal PhotoThe Densmore family members make crowns at the Bradford Area Public Library dur-ing this year’s Kids Derby, April 12th. Left to right are Angel Densmore 4, daddy Rob-ert Densmore, Emily Densmore 1, and mama Tammy Densmore. They’re enjoying the event

Family Makes Crowns During Kids Derby Event


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AREA SOCIAL NEWS

Bradford TOPS #Article submitted

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

Bradford Area Calendar of Events:

APRIL 2014

APR. 21:Independent Film Series: August Osage County (R)5:30pm Bradford Main Street Movie House, 123 Main Street, Bradford, PA Admission: $7. For information, contact Bradford Main Street Movie House at 814-363-9388

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Tips On Organizing Your Closets Like A Pro

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

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

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ON THE HEALTHY SIDEA New Device Aids

Hearing And Quality Of Life

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

AICR HealthTalk-by Karen Collins, MS, RD, CDN

American Institute for Cancer Research Q. If I follow a plant-based diet, how can I meet my calcium needs? A: A plant-based diet includes mostly, not only, plant foods, so you can get most of your calcium from dairy products. These provide calcium in concen-trated amounts in a well-absorbed form. Current federal recommendations for adults of 1000 to 1200 milligrams (mg) of calcium per day can be met by a bal-anced variety of healthy foods that includes 2.5 to 3 standard servings of milk, yogurt or cheese. However, you can choose plant-based options for some or all of those servings if you prefer. One standard dairy serving is 1 cup milk or yogurt or 1 ½ ounces cheese. You can get this amount of calcium from 1 cup of calcium-fortifi ed orange juice, calcium-fortifi ed soymilk or soy yogurt, or 1 serving of calcium-fortifi ed bread or waffl es. Tofu is another option, though the calcium content varies. Check the label, because a four-ounce serving (about a half-cup) can range from 80 to over 400 milligrams (equal to about a quarter-cup to more than a cup of milk). Fortunately, tofu’s calcium is easily absorbed, too. A number of dark green leafy vegetables provide calcium, but these alone will not give you enough, especially because the body’s ability to absorb calcium from vegetables is somewhat limited. To get the calcium equivalent to a serving of dairy products requires 1/2 cup of Chinese cabbage, 1-1 1/2 cups kale or bok choy, more than 2 cups of broccoli, and 8 cups of cooked spinach.

takes the place of that additional remote control, making it nearly impossible to distinguish a hearing aid wearer from any-one else. With a capability developed in collaboration with Apple®, Beltone us-ers are able to directly stream phone calls, music, movies, turn-by-turn navigation and more directly to their ears. The link is established through Bluetooth® Smart technology, with the hearing aids func-tioning like wireless earbuds that are also high-quality hearing aids. Beltone First’s function goes beyond streaming audio. Users can customize

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

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

can trust, and that offers a wealth of ad-vice on many destinations at once. This way, you can compare several location op-tions on one site. Travel guide and travel magazine websites are good sources, as is RCI.com, where you can fi nd information on destinations including area activities, traveler reviews, accommodation recom-mendations, videos, maps and weather in-formation. If you’re ready to get the vacation-

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

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

Another Face Of Hatcher


https://www.facebook.com/timeless.treasures.52


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

Attracting Attention

Bradford Journal PhotoThe Witch Hazel Band performed during this year’s VetJam event, April 12th, at the Bradford Vet’s Club Events Center. Left to right during their late afternoon performance are Randy Abbott, Rich Platko (drums), Bill Cox, and singer Lisa Platko-Auteri. (See photos and videos in associated galleries.) Proceeds were for the benefi t of the Penn-sylvania Veteran’s Foundation

Witch Hazel In Action During VetJam



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JUST PASSING TIME

WORD SEEK

THEME: “Gardening 101”

ACROSS:1. Torah expert6. Chain letters9. Barred bed13. Shoelace tip14. *First gardening mo.?15. Unit of money in Poland16. Abdul or Zahn17. White House Dwight18. Big dipper19. *Climber sup-port21. *Tiny garden shovel23. Affl ict24. Lick25. “Be quiet!”28. “Ta-ta!” in Italy30. *Cross between varieties35. Church sound37. Mojito, _ ___ drink39. Wintry mix40. Norse capital41. Brightest star in Cygnus43. Approximately, two words44. Japanese port46. Slash mark47. Drawn tight48. House cat, e.g.

50. Greek H’s52. *Special Hawai-ian fl owers form this garland53. Getting warm55. “Street” in Italy57. Hang a banner, e.g.60. *Refuse turned fertilizer64. Ancient assem-bly area65. Unagi67. Like outside-of-mainstream art68. Relating to aquarium scum69. Shag rug70. “Spaghetti West-ern” maker Sergio _____71. Short of “his-tory”72. Sophomore’s grade73. Dog-_____ book

DOWN:1. Feeling great de-light2. Lab culture3. *Like many Gen-tians or Delphini-ums4. Swan of “Twi-light”5. Emphatic, in print6. Honoree’s spot7. *Short for nitro-

gen, phosphorous, potassium8. Thin mountain ridge9. Old-fashioned bathtub foot10. *What gardener did to riding lawn mower11. It will, contrac-tion12. “So long!”15. Plural of #15 Across20. Homeric epic22. Rally repeater24. Club enforcer25. Tina Fey/Amy Poehler schtick, e.g.26. “Siddhartha” au-thor27. Conforming to dietary laws for Muslims29. Greek god of war31. Soak some ink32. Opposite of ur-ban33. Question in dis-pute34. Hindu garment36. Mischievous Norse deity38. *What Venus Flytrap eats42. Opera house exclamation45. *One-time plant

49. Poetic “always”51. “He fi ghts like a lion,” e.g.54. Warn or arouse56. Sleeper’s woe

57. Wrinkly fruit58. Wooden pegs59. Short for broth-erhood60. Family group61. *The corpse fl ower is famous for

its bad one62. Cosine’s buddy63. ____ up a golf ball, past tense64. “I see!”66. *Potato bud

(Crossword Solution on page 14)


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

Still Going Strong

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

Friends Enjoy An Afternoon Of Great Music




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

Take Load Off Feet

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

A Little Subdued After Long Loud Day




FAMILY FEATURES

This year, make your Easter ham effortless by ditching the oven and using your slow cooker instead. While mostpeople think about slow cooking for staples like chili and stew, it’s also perfect for center-of-the-plate feasts — likean Easter ham.

Using the slow cooker, you can minimize both prep time and cleanup time, leaving plenty of room in the day for church,hunt ing eggs and enjoying time with your loved ones.

Ham is a tradition for many families this time of year, and because it pairs well with a multitude of ingredients, you cancreate a unique dish every time.

For a fresh spin on the classic ham, try this Sweet Southern Slow-Cooker Ham recipe from the National Pork Board. Apple cider andbourbon (or vanilla extract, if you prefer) combine to create a rich flavorcomplemented by the sweetness of brown sugar.

Round out your Easter menu by pairing your ham with classic sidessuch as oven-roasted carrots, asparagus wrapped in bacon and mashedsweet potatoes.

You can also use leftover ham for flavor-packed recipes like Ham,Apple and Cheddar Crepes, which are ideal for a family-style brunch.

To get inspired by more ham and Easter meal ideas, visitPorkBeinspired.com or Facebook.com/PorkBeinspired.

Yield: 12 servingsPrep time: 10 minutesCook time: 4 to 8 hours

1 bone-in fully cooked ham, about 5 1/2 pounds

1 cup apple cider1/2 cup dark brown sugar1/3 cup Kentucky bourbon1/4 cup honey1/4 cup Dijon mustard

4 fresh thyme sprigs

Place ham in large slow cooker.Whisk cider with brown sugar,bourbon, honey and mustard. Slowly pour over ham. Scatter thyme sprigs into slow cooker.

Cook on high for 4 hours or onlow for 8 hours, or until very tender.Remove ham to rest on cuttingboard. Pass remaining cooking liquidthrough fine mesh sieve into sauce -pan. Simmer for 10 minutes or untilslightly reduced. Carve ham intoserving pieces. Brush ham pieceswith cooking liquid before arrang ingon platter. Serve warm or at roomtemperature.

Note: For a non-alcoholic alterna tive,replace the bourbon with 1/4 cupwater and 1 tablespoon vanilla extract.

Cooking Tip: Use leftover ham tomake Ham, Apple and Cheddar Crepes.

Easter Ham Pin-spiration Sweepstakes Enter the National Pork Board’s EasterHam Pin-spiration Sweepstakes atPorkBeinspired.com/EasterHam for the chance to win an Easter gift basketwith everything you need for thisyear’s celebration.

Yield: 6 servingsPrep time: 20 minutesCook time: 30 minutes

3 cups ham, shredded and warmed

1 3/4 cups 2% milk1/4 cup unsalted butter, melted

4 large eggs1/2 teaspoon salt

1 1/2 cups all-purpose flour1 Granny Smith apple,

halved, cored and thinly sliced

Cheese Sauce1 tablespoon unsalted butter1 tablespoon all-purpose

flour1 cup 2% milk2 teaspoons Dijon mustard

1/4 teaspoon salt1/4 teaspoon pepper

1 cup white cheddar cheese, shredded

2 tablespoons fresh chives, finely chopped

Pour milk, butter, eggs and salt inblender. Mix until well combined.Add flour. Mix for 15 to 20 secondsor until smooth. Let stand for 10minutes.

Heat an 8-inch crepe pan or non -stick skillet over medium heat. Coatwell with nonstick cooking spray.Pour 1/4 cup batter into pan, swirl tofully cover bottom of pan. Cook for1 minute or until crepe begins to curl

around edges. Carefully flip andcook for an addi tional 30 seconds or until set. Trans fer to plate. Repeatwith additional cooking spray andremaining batter. Layer cookedcrepes between pieces of wax paperto prevent sticking.

Lay a crepe on clean work sur -face. Arrange few slices of apple onquarter of crepe; top with shreddedham. Fold crepe in half to coverfilling and fold in half again tocreate triangular shape. Repeat withremaining crepes, apple and ham.Place on parchment-lined bakingsheet and hold in warm oven untilready to serve, or up to 30 minutes.

For cheese sauce, melt butter insaucepan set over medium heat. Stirin flour until well coated. Cook, stir -ring constantly, for 2 min utes or untilpale and smooth. Whisk in milk, asplash at a time, until smooth; stir in mustard, salt and pepper. Cook,stirring constantly, for 5 minutes oruntil thick enough to coat back ofspoon. Remove from heat. Whisk in cheese, a small handful at a time,until melted and smooth.

Place filled crepes on each plate.Spoon cheese sauce over each crepeand sprinkle with chives.

Serving Suggestion: All the elementsof the recipe can be prepared a dayin advance and gently warmedbefore assembling.

Ham, Apple and Cheddar Crepes

Sweet Southern Slow-Cooker Ham


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

Recycle And Be Rewarded

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

Pirate Sword By Yogi

Bradford Journal PhotoFour do a little line dancing on the fl oor at the Bradford Vet’s Club Events Center dur-ing this year’s VetJam event, April 12th. Left to right are Janet Cleveland, Crystal Be-lardia, Chris Pilon, and Joyce Kille. They are dancing to the music of the Zephyr Band of Olean. (See associated photos and videos in galleries.)

Line Dance To Music Of The Zephyr Band

Bradford Journal PhotoThe Zephyr band of Olean, NY performed during this year’s VetJam event, April 12th, at the Bradford Vets Club Event Center. Left to right are Pete Farris, Kevin Franklin (drums), and Steve Foster making an attempt at an unscheduled tune. Proceeds from the event are for the benefi t of the Pennsylvania Veteran’s Foundation. (See associated photos and videos in galleries.)

Zephyr Performs Yet Another Song For Event





YOUR WEEKLY HOROSCOPE APRIL 17 - APRIL 23, 2014

ARIES - (Mar. 21 - Apr. 19)A weakness is about to be weeded out but with this will come much needed discovery and freedom.TAURUS - (Apr. 20 - May 20)This week’s lunar eclipse intends to pull no punches when it comes to bringing something concealed into the open.GEMINI - (May 21 - June 20) A revelation will dictate a way forward you’ve long wanted. .CANCER - (June 21 - July 22)Where you might be aware of others following sheep-like, stand back and as-sess what the appeal really is. LEO - (July 23, - Aug. 22)Trust that what you’re about to propose is fair and suits not only you but someone else.VIRGO - (Aug. 23 - Sept. 22)You know what you’re wishing for now. It’s time to assess properly how you can – and will – get it. LIBRA - (Sept. 23 - Oct. 22)Prepare for change of the most exciting variety.SCORPIO - (Oct. 23, - Nov. 21)Push aside pride and focus on what is clearly the best solution available to what comes to light.SAGITTARIUS - (Nov. 22 - Dec. 20)A surprise is in store regarding something you believed to be set in stone.CAPRICORN - (Dec. 21 - Jan. 19)A solution you appear keen to fi nd doesn’t require as much effort and thinking time as you might believe.AQUARIUS - (Jan. 20 - Feb. 18)Just let proverbial dust settle before making any decisions or judgments.PISCES - (Feb. 19 - Mar. 20) You’re now at the forward stepping stage with your plan. You can trust that all the background work you have done recently has not been in vain.

CHRONOLOGICAL LISTINGSEngagements, Marriages, Births & Deaths

ENGAGEMENTS:

(None)

MARRIAGES:

(None)

BIRTHS:

APRIL 4, 2014:DAUGHTER, to Erinne and Nathan Keim, Hinsdale, NY.APRIL 5, 2014:TWIN DAUGH-TERS, to Kaitlyn Cossairt and Joseph DeLill, Olean, NY.DAUGHTER, to Summer Farnham and Michael Frary, Little Valley, NY.SON, to Brooke Williams and Tate Hallock, Bradford, PA.APRIL 7, 2014:TWIN SONS, to Joy and Shane Harless, Bradford, PA.SON, to Rebecca and Jason Eastman, Mount Jewett, PA.

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

Olean, NY.

DEATHS:

FEBRUARY 22, 2014:COHEN, Leonard,

95, of Aurora, CO, formerly of Brad-ford, PA.MARCH 7, 2014:SCHAAB Mary Olmsted, 95, of In-dianapolis, IN, for-

merly of Bradford, PA.MARCH 25, 2014:CLARK, Christo-pher Eugene, 55, of 9 Chautauqua Place, Bradford, PA.MARCH 28, 2014:MURPHY, Lucille, age 90, formerly of Salamanca, NY.APRIL 1, 2014:MASON, Clyde, of San Antonio, TX.APRIL 3, 2014:CURRAN, Bon-nie Lee Williams, 72, formerly of Cy-clone, PA.TOMPKINS, Ronald L., 78, of 405 Spring St., Emporium, PA.APRIL 4, 2014:ARNOLD, Norbert A. “Norb”, 93, of 648 Cedar Road, St. Marys, PA.D e S T E P H A N O, Michael Samuel “Mike”, 54, of 325 Washington St., St. Marys, PA.McMILLEN, B. Paul-ine, 87, of 764 JoJo Road, Kane, PA.HOWARD, Mrs. Betty A., 81, of Ti-tusville, PA.APRIL 5, 2014:MONTGOMERY, Jane A., of 585 Park-side Drive, Lime-stone, NY.APRIL 6, 2014:GRIFFITH, Law-rence O. Jr., 88, of Route 16 South, Franklinville, NY.APRIL 7, 2014:

HOUSLER, Sher-ry E., 77, of Clarks Mills, formerly of El-dred, PA.SMITH, Mary Eliza-beth “Tootie”, 97, formerly of 1454 South Ave., Lewis Run, PA.KINNICUTT, Janet L., 56, of 267 West Eldred Road, Eldred, PA.APRIL 8, 2014:DiFONZO, Rose J., 92, of Bradford, PA.HEIBERGER, Nancy L., 72, of 120 Home-stead Road, Kersey, PA.OST, Robert J., 72, of East River Road, Olean, NY.DiFONZO, Rose J. DiFonzo, 92, of Bradford,PA, for-merly of Falls Church, VA.APRIL 9, 2014:KELLER, Ellen E. “Red”, 94, of 583 West Washington St., Bradford, PA.SIMONS, Sandra C., 78, of 3 E. Main St., Mount Jewett, PA.MORIARITY, Deb-orah D., 49, of 372 Grant St., St. Marys, PA.TANNER, Virgin-ia M., 95, of East Smethport, PA.APRIL 11, 2014:NICHOLS, June E., 92, of The Lutheran Home at Kane, PA, formerly of DeY-oung.

Bradford Journal PhotoChildren and their parents swarmed the face-painting table during this year’s pres-entation of Kids Derby at the Bradford Area Public Library, April 12th. Left to right in the photo are Alexis Moreth 7, Eli Moreth 5, and Isaac Moreth 2, all about to add something to their features, and Elizabeth Prager, a pledge for the Alpha Phi Omega, performing the community service of face painting for the event.

Little Paintees Wait Patiently For Pledge Painter



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HOMES FORSALE:

For Sale by privateowner- Small 2BR home located 5 min from Walmart and 5 min. from downtown Brad-ford. Home is in a peaceful neighbor-hood w/ very small yard and enough off street parking for 4vehicles. Also offers 1 1/2 stall garage w/small shop area built in the last 10 years. House also has own offi ce area - perfect for work-ing from home. House is very solidand is absolutely best price point in Bradford! $46,500.Serious inquiries only. Call 814-598-9292

For Sale By Owner:3 -4 BR, 1 story home w/basement in Bradford Town-ship. No land con-tract, starter home, move in condition. $38,000598-1860

For Sale: A story and 1/2 with full base-ment, 3BR - (Could be 4BR), 1&1/2 BA, forced air heat, new siding, windows, roof, modern up-dates, above ground pool w/ deck, front porch, blacktop driveway, Custer City - country set-ting. 1 shed also in-cluded. Comes with some appliances.

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For Sale: Private Owner, 2BR single story house on large semi-pri-vate lot. House is well built & is very effi cient. Located 2 miles from Brad-ford. Also comes with a large garage/workshop/ man cave area. Low tax-es + Low utilities + priced right = Hap-py home owner. Se-rious inquiries only-$73,000. 814-598-9292

Mallory mansion 1892 at 184 Con-gress St Bradford, PA. Rental income property that can easily be restored to a single fam-ily dwelling with or without a partial rental. Rent gener-ated $4,200/month. Live in the main

house and rent out 3 units generating$2,100 per month.Pay for your mort-gage. All units and systems updated. Main house has cutglass windows, 4 fi re places, barely twist staircase with carved angels. Ask-ing price 285k call Josh. 562-279-4481

MISCELLANOUS:

Got to go!Cadett riding mow-er -$4001999 Dodge Ramtruck- 90k miles,$5,000Troybuilt snow-blower 28 inches, 4 yrs old, used 4 times, - $500Small snowblower -$25Treadmill - $35Exercise Bike - $35OBO

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

business with won’t call you to ask you to “confi rm” this information. • Don’t be pressured. If you feel pres-sured to make a decision or purchase, or if you are unsure to whom you are talking, just say “no” and hang up. • Open your door only if you recognize the person there.

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

Bradford Journal PhotoThis year’s edition of the VetJam benefi t was held at the Bradford Vet’s Center, April 12th. Here, (l-r) Tonya Riley, Louie Colts, Roxanne Panighetti and her husband Jim Panighetti enjoy the music of Caitlin Cox on her acoustic guitar, and the fi rst band of the day, Zephyr of Olean, NY. (See associated photos and videos in the galleries.)

A Couple Of Couples Early On During Event




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

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

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

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

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THIS DOESN’T MAKE YOU AN ORGAN DONOR.

(Harrisburg) – PennDOT encourages driver license and identifi cation holders to help others in need of organ and tis-sue transplants live longer, better lives by registering to be an organ donor during National Donate Life Month in April. Nearly 46 percent of driver’s license and identifi cation card holders are reg-istered organ donors – that’s more than 4.5 million Pennsylvanians. More than 8,500 Pennsylvanians currently await organ transplants. “Potential donors can take action today to add the organ donor designa-tion to their license or identifi cation card, rather than waiting for renewal time,” said PennDOT Secretary Barry J. Schoch. “The 90 seconds you spend online requesting the designation for your license or identifi cation card could potentially save a life.” To add the organ donor designation to an existing driver’s license or identi-fi cation card today, visit:

www.dmv.state.pa.us and select the “Donate Life Pennsyl-vania” icon at the bottom of the page. Once the designation is added, indi-viduals will receive a designation card that they will have to carry with them to affi rm organ donor status until they re-new or replace their driver’s license or identifi cation card. There is no charge for adding the designation to your driv-er’s license or identifi cation card. Driver’s license and identifi cation card holders, as well as registered vehi-cle owners, can also support organ do-nation programs by donating $1 to the Robert P. Casey Memorial Organ and Tissue Donation Awareness Trust Fund at the time of application, renewal or re-placement. Proceeds from the fund are used to educate and promote awareness of the organ donor program through non-profi t organizations like the Center for Organ Recovery and Education and the Gift of Life Donor Program. Penn-sylvanians have generously donated more than $11.5 million to the fund to date. As part of ongoing efforts to increase awareness of organ and tissue donation, video monitors featuring educational content are installed at 20 PennDOT driver’s license centers. More information on organ and tis-sue donation in Pennsylvania can be found at www.donatelife-pa.org

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