Bradfordjournalcolorissue11 7 13s

Bradford JournalVOL. 172 NO. 45 BRADFORD JOURNAL/MINER THURSDAY, NOVEMBER 7, 2013 www.bradfordjournal.com

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

INDEX

Local News/Weather 2Comments & Opinions 3Obituaries 4 Social News 6Food/Recipes 8Comics/Sudoku/DVDs New Releases

13

Classifi eds 15Senior Information 6

Bradford JournalP.O. Box, Bradford, PA 16701

www.bradfordjournal.comPhone: 814-465-3468

Bradford’s Weekly Newpaper$1.00

Bradford Journal PhotoDuring the dual Bradford “Y” Barracudas vs. Warren YMCA swimming meet held November 2nd, Juniors take their marks to commence the 50-yard free style event. The Barracudas put up a valiant fi ght against the stronger Warren team with a great show-ing of 362 to 396. Many team records were set by the Barracudas during the meet. (See gallery for more photos.)

Barracudas Turn In Great Times During Event

Bradford Journal PhotoRegina Gabriel provided the musical am-bience for the “Greet The New Bradford Area Public Library Executive Director (Guy Bennett)” reception held October 30th at the library. Regina is the Director of Music at the First Presbyterian and St. Francis Churches in Bradford. The event was organized by the Women’s Literary Club.

Provided The Ambience

Bradford Journal PhotoCostume winners of the Rew Volunteer Fire Department’s Halloween Party costume candy walk, pose for us following the judging, October 31st. From left to right are Ryder Christjohn 4 (construction machine operator); 6-mos.-old Kaiden Christjohn (construction cone), Delaney Jordan 5 (Apple Tree); Chase Wineberg 10 (mummy); Darian Wineberg (person in bathtub); and 9-mos.-old Mataya Banks (Sesame St. char-acter). (Several videos of the well-attended event can be seen in the photo gallery of this issue.)

Halloween Party Costume Candy Walk Winners

http://bradfordjournal.smugmug.com/Journalism/Journal-Photography-11-7-13/33265458_X7b9qR#!i=2887481627&k=7h7V34g



Bradford Journal & Miner Thursday, November 7, 2013 www.bradfordjournal.com

LOCAL & AREA NEWS

Thursday, November 7:Showers likely to-day with a high of 51°.ThursdayNight:Rain showers this evening turning to snow and rain mix. Low of 31°.

THE BRADFORD AREA 5-DAY WEATHER FORECAST

Friday, November 8:Partly sunny today with a high of 41°.Friday Night:Mostly cloudy and cold tonight with an overnight low of 28°.

Saturday, November 9:Partly sunny and a little warmer today withy a high of 47°.Saturday Night:Mostly cloudy and a little warmer to-night with a low of 34°.

Sunday, November 10:Mostly cloudy to-day with a high of 44°.Sunday Night:Partly cloudy and a little cooler tonight with a low of 30°.

Monday,November 11:Some sun and low clouds today with a high of 44°.Monday Night:Patchy clouds to-night and cold with a low of 26°.

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Bradford Journal PhotoRyder Dempsey 2, costumed as Mike from Monsters Inc. stops in at Arby’s Res-taurant for a little dinner before heading out to Trick-or-Treat, October 31st. Ryder is the son of Paige Lindemuth and Daniel Dempsey of Bradford

Ryder Of Monster Inc

Bradford Journal PhotoDuring the meet-and-greet event held for Guy Bennett, the new Executive Director of the Bradford Area Public Library, these young people stopped to pose for us. Left to right are April Miles 12, Dominik Ste-fan 11, and Jasmine Miles 13. (See gallery for more photos.)

Young People At Event



www.bradfordjournal.com Bradford Journal & Miner Thursday, November 7, 2013

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

Guest Columnist

“No-Bid Contract” -by Bob Perry The Affordable Care Act (wrongly re-ferred to as Obamacare) had the web site (Healthcare.gov) developed as the result of a no-bid contract. This is not surprising since the Administration that claims to be the most transparent in history once again shows a complete lack of transparency. The fact that there was no solicitation for bids for the development indicates there was no interest in getting the best product for a fair price. As of now, the product delivered fails on so many lev-els and the cost of repairing the defective product may push the fi nal cost beyond $1 billion dollars. Digging into the weeds, it has been discovered that Toni Townes-Whitley, a classmate of Michelle Obama at Princeton, is a senior vice-president at CGI Federal, the fi rm that was awarded the no-bid contract. Notably, Donna Ryan, CGI Federal ,President visited the White House six times prior to the contract being awarded. CGI Federal is a division of a Canadian fi rm CGI Group and one must wonder why other fi rms were not partici-pating in the bidding of the contract. The original contract was awarded for $88 million and to-date the cost of the contract has risen to some $678 million. This raises the question of corruption at the highest levels of our government. In December 2010, Toni Townes-Whit-ley and her husband enjoyed “Christmas with the Obamas” at the White House, reinforcing the link between the parties. Under the Bush Administration, there were 16 companies that were qualifi ed to provide certain tech-services, of which CGI was but one. Why were not the other

15 companies provided the opportunity to bid competitively? This is a sign of evil and a government run amok. In the near future there will be inquiries into this suspicious activity with hopes that people will be held account-able. The effort to select CGI has the pos-sibility that Michelle Obama and Valerie Jarrett are major participants. Could the fact that Jarrett’s daughter Laura is married to an Ontario member of the legislature, who, served as parlia-mentary assistant to the Minister of Health and Long-Term Care, have anything to do with it? As information comes out, there will be more discoveries. In any case, this infor-mation is most disturbing and increased transparency must become a must.

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We were busy with our camera this week. First we stopped at the meet-and-greet event for Guy Bennett, the new Executive Director of the Brad-ford Area Public Library. Next we went around town on October 31st, stopping at Bisett’s Chili Cook-off charity event, vis-iting various businesses to collect a few of the costumed Halloween characters, and spending some time at the Rew Volunteer Fire Department Halloween Party. Fi-nally, to complete the week’s photos, we attended the dual swim meet held at the Bradford Family YMCA. There we gar-nered pictures of race offi cials, members of the Warren and Bradford “Y” swim teams, and various other photos of fam-ily interest. While only fourteen of these photos are seen on the pages of this edi-tion of the Bradford Journal, many other photos, along with videos taken during the Rew Volunteer Fire Department’s Halloween Party, can be found in the gal-lery associated with it…… DISTRICT 19 COMMANDER: Ronald J. Peters, VFW Post 212, Bradford, tells us that he’s looking for a few good veterans to join District 19 VFW Posts in general and the Bradford Post #212 in particular. “We need new young members who will take part in our activities to help veteran’s and their families, and our community.” In a recent conversation, he also mentioned that membership in the VFW “helps pro-tect veteran’s benefi ts.”.…….Sponsors for this week’s Veterans’ Day page are Cummins Construction, Hedlund Glass, New Keystone, Tasta Pizza, Cavallaro’s “How Ya Brewin,” Dexter’s Service & Collision Center, Timeless Treasures, and Burns & Burns Inc……Tom Clark of GrillDog Productions has done it again. This time he has organized the appear-ance of the nationally known Pro-Patri-otic Rock Band, “Madison Rising” at the VFW Events Center, January 10th, 2014. Sponsoring the event is the Zippo/Case organization. Appearing also on that same date will be special guest band Marshmel-low Overcoat, scheduled to take the stage from 8-9PM followed by the main event, “Madison Rising, from 9:00 ‘til 11:00 PM. Ticket sales begin November 23rd at the Vets Club, 94 Barbour Street, Bradford, and at Cavallaro’s Paint & Decorating, 12 Kennedy Street, Bradford. Clark tells us that since there is seating for only 190 people, and standing room only 50 more, that those who want tickets should pick them up early……An interesting thing about the U.S. legal system is that while “due process” is relatively easy to defi ne in a given location in the State, County, or City that “justice” is something that changes unpredictably with the momen-tary beliefs, and moods of the people (in-cluding the judges), and often without re-gard to the location.

Bradford Journal PhotoMike Smith, as Chief Tanto, orders up a Smoke House Brisket for his guests at Arby’s Restaurant, October 31st. Says the chief, “Not buffalo meat, but you’ll like it.” Mike is a student at Bradford Area High School.

The Spirit Of Holiday



BRADFORD AREA BUSINESS DIRECTORY

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OBITUARIES Bernard Caserio Bernard B. “Ben” Caserio, 85, of Brad-ford, passed away on Friday (Oct. 25, 2013) at Bradford Regional Medical Cent-er. He was born on June 25, 1928, in Brad-ford, a son of the late Patsy and Anita Ba-sile Caserio. He was employed by the former Airco Speer Electronics for 25 years until his re-tirement in 1976. He is survived by one brother, Tony (Betty) Caserio of Bradford; and several nieces and nephews. Burial and committal services were in St. Bernard Cemetery.

Robert Day Robert Samuel Day, 92, of 20 Sher-man St., Bradford, died Monday (Oct. 28, 2013) atThe Pavilion at Bradford Regional Medi-cal Center. Born Oct. 28, 1921, in Warren,he was a son of the late Elmer Irvin and Mary Margaret Sweeney Day. On July 16, 1949, in Pittsburgh, he married Lois Isa-

bella Ginn,who survives. He worked at McCourt Label for 37 years as a commercial artist retiring in 1987. In addition to his wife, Lois, of 64 years, he is survived by four sons, Kenneth R. (Jean) Day of Reisertown, Md., Robert J. Day of Olean, N.Y., John M. (Tammy) Day of Bliss, N.Y., and Thomas S. Day of Bradford; four daughters, Kathy “Kate” (Roger) Sager of Bradford, Carol L. (Randy) Feura of Santee, Calif., Judith L. (Thomas) Biggins of Norwood, N.J., and Laura L. (George) Puvel of Thurmont, Md.; two brothers, Richard (June) Day ofDillsburg, and Don (Janet) Day of Warren; two sisters, Doris Burkland of Fredonia, N.Y., and Susie Dunkle Nuccio of Fred-ericksburg, Va.; 15 grandchildren; four great-grandchildren; and several nieces and nephews.

Stanley Doleski Stanley P. Doleski, 95, of Bradford,

passed away Sunday (Oct. 27, 2013) at Olean (N.Y.) General Hospital in Olean. Born Aug. 23, 1918, in Scranton, he was a son of the late Stanley P. and Stella Motylewski Doleski Sr. On Oct. 17, 1945, in Bradford, he married Florence “Babe” N. Osborne Doleski, who died Aug. 20, 2005. Mr. Doleski worked at the Star Garage in the morning and then went to work Bo-vaird and Seyfang in the afternoon. He retired from Dresser Manufacturing. He continued his lifelong passion of automo-bile repair. Surviving is a daughter, Carol (Bob) Riddle of White, Ga.; fi ve sons, Richard Doleski and Dale Doleski, both of Brad-ford, John Ickes of Tampa, Fla., Dave Ickes of Allegany, N.Y., and Gary Ickes of Summerdale, Ala.; 15 grandchildren; and 10 great-grandchildren. Burial was in McKean Memorial Park, Lafayette.

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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BUSINESS & PERSONAL FINANCESGI Bill Eases College Costs For Military Families

-by Jason Alderman As Veteran’s Day approaches, this is a good time to remind our active duty service members and veterans about the many education assistance benefi ts availa-ble to them through the G.I. Bill and other government programs. Here’s a rundown of a few of the more commonly used programs: The Post 9/11 GI Bill is more fl exible and generally offers more generous ben-efi ts than earlier GI Bills. It provides up to 36 months of support for education and housing to individuals with at least 90 days of active duty after September 11, 2001, or those with a service-connected disability after 30 days. An honorable dis-charge is required. Approved training includes undergrad-uate and graduate degrees, and vocational/technical/on-the-job training, among oth-ers. You will be eligible for benefi ts for 15 years from your last period of active duty of at least 90 consecutive days. This program covers 100 percent of tui-tion and fees for in-state students at public institutions, paid directly to the school. For those attending private or foreign schools, it will pay up to $19,198.31 per academic year (sometimes more in certain states). If you attend a costlier private school – or a public school as a non-resident – you also may be eligible for the Yellow Rib-bon Program, where schools voluntarily fund tuition expenses exceeding the high-est public in-state undergraduate rate. The institution can contribute up to 50 percent of those expenses and the Veteran’s Ad-ministration will match the amount. The 9/11 GI Bill also will pay a books and supplies stipend of up to $1,000 per year, and a monthly housing allowance generally comparable to the military Basic Allowance for Housing for a military pay grade E-5 with dependents, based on the ZIP code for your school. Another advantage of this newer GI Bill: Armed Forces members with at least six years’ service can transfer some or all of their benefi ts to their spouse and/or children. Here are the basic rules: • You must agree to four additional years of service. (Special rules apply if standard policy precludes you from serv-ing four more years or you’re eligible for retirement). • Because the clock starts ticking from the date you elect to participate – and you can’t enroll additional benefi ciaries after leaving the military – it’s best to sign up all family members right away. You can always go back and change allocation percentages or remove benefi ciaries at any time until the benefi ts are used. • Spouses may begin using trans-

ferred benefi ts right away; however chil-dren must wait until you’ve served the full 10 years. • You and your spouse must use the benefi ts within 15 years of your leaving the military; children must use them by age 26. Montgomery GI Bill. This older ver-sion of the GI Bill may still be available if you didn’t already opt for the Post 9/11 GI Bill. You’re eligible if you started ac-tive duty for the fi rst time after June 30, 1985, served continuously for three years, are honorably discharged and had your pay reduced by $100 a month for the fi rst

12 months. (There’s a separate plan for re-servists.) For most people, this program is less generous than the Post 9/11 GI Bill. Ben-efi ts typically expire 10 years after mili-tary separation and are not transferrable to family members; plus, you pay tuition and fees upfront and are later reimbursed. The VA website has a tool to compare benefi ts under the two GI Bills. To learn more about the GI Bill, visit www.gibill.va.gov. Other VA-sponsored educational fi nancial aid programs can be found at www.gibill.va.gov/benefi ts/oth-er_programs/index.html

Copy & Advertising Deadlines

Persons inter-ested in submit-ting materials for news releas-es in the Brad-ford Journal should submit their copy to the Bradford Jour-nal offi ce, no later than 5 p.m. on Saturdays. Advertisements should be sub-mitted by 5 p.m. on Mondays.

Bradford Journal PhotoMichele Barber, costumed as a jester, pos-es with her daughter Jessica Barber 16, who appears as the horror movie charac-ter, Jig Saw from Saw. They were in at-tendance for the Rew Fire Department’s annual Halloween Party held October 31st. And they were having a great time. (See more photos and videos in the photo gallery.)

Attend Fire Dept. Party

Bradford Journal PhotoMom Noel McKee, as a Goth person, and her daughter Jeanette Jacks, as the evil Harley Quinn from the Batman series, pose for us at McDonalds Restaurant Oc-tober 31st. They were about to head out for an evening of Halloween, but fi rst, they needed to fuel up.

Halloween Characters



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BIRTHS

AREA SOCIAL NEWS

Bradford Area Calendar of Events:

Son, Oct. 27, to Diana and Tyler Tri-plett, Bradford, PA.Son, Oct. 28, to Jennifer and Ryan Swanson, Bradford, PA.Daughter, Oct. 28, to Stella and Ryan Chambers of Smethport, PA.Daughter, Oct. 31, to Shannon and Salvatore Luzzi, Bradford, PA.

Bradford TOPS #Article submitted

The weekly meeting of Top’s # 16 was held on Thursday afternoon October 31st, at the Presbyterian Church with leader Vickie Johnson calling the meet-ing to order with the Top’s Pledge and a Song “The more we get together.” There were 30 members weighing in, and Best Loser in Waiting and Offi cer of the Week was Vickie Johnson. The Secretary’s report was given by Sue Della Valle and the Treasurer’s re-pot was given by Anna Wells. Tips were given by Elaine Harris on Antibacterial soaps. Inspirations were given by Bev Hannon. “A soft answer turneth away wrath”. Household Hint was given by Sue Della Valle, “Spray a mix of vinegar and coconut oil in the corners of your room to get rid of spiders”. The Great Pumpkin skit was done by Carole Van Sickle, Maxine Eschrich, Vickie Johnson, Ginny Comilla, Sue Della Valle, Jessie Skillman, Anna Wells and Bev Retzer. Joan McAndrews had the program on Glaucoma, eye disease and symp-toms. A discussions followed The meeting was adjourned with the Friendship Circle and the Top’s Prayer.



Bradford, PA

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Driver Licensing, Motor Vehicle Services

Available Online (Harrisburg) – The Pennsylvania Department of Transportation today announced that all driver license and photo centers, including its full-service center in Harrisburg, will be closed Sat-urday, Nov. 9, through Monday, Nov. 11, in observance of Veterans Day. Customers may still obtain a variety of driver and vehicle products and ser-vices online through PennDOT’s Driv-er and Vehicle Services website, www.dmv.state.pa.us. Driver and vehicle online services are available 24-hours-a-day, seven-days-a-week and include driver’s license, photo ID and vehicle registration re-newals; driver-history services; chang-es of address; driver license and vehicle registration restoration letters; ability to pay driver license or vehicle insurance

restoration fee; driver license and photo ID duplicates; and driver exam sched-uling. There are no additional fees for using online services. A complete listing of PennDOT driv-er and photo license center closings in 2013 is available on the website under “News, Stats and Facts.” PennDOT reminds motorists they can log on to www.511pa.com or call 511 from any phone to check traffi c condi-tions before heading out. Follow PennDOT on Twitter at:

www.twitter.com/PennDOTNews

PennDOT Driver License, Photo Centers Closed For Veterans Day Holiday

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Bradford Journal PhotoGuy Bennett, at the right, the new Execu-tive Director of the Bradford Area Public Library, talks with Bradford City Coun-cilman Brad Mangel, during a meet-and-greet function held at the BAPL, October 30th. Bennett mentioned that he had been warmly received by the community say-ing, “I already feel connected.” The event was presented by the Women’s Literary Club.

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FAMILY FEATURES

Making the decision to eat better doesn’tmean you have to stock your fridgeexclusively with carrot sticks andlettuce leaves. There are plenty of

healthy and delicious meal options that will haveyour taste buds cheering.

Fill up your fridgeHow many times have you raided the fridge, only toeat the first thing you could find? Arrange yourfridge so everything at eye level is packed withnutritional benefits. The top shelf is prime space forfresh fruits, berries, vegetable sticks, string cheeseand hard boiled eggs.

Keeping lean proteins on hand is another way totake proactive steps towards creating healthy meals.Lean proteins, like the protein found in soy, can helpfamilies feel fuller longer and can also help lower thechances of childhood obesity.

Pick the perfect proteinDuring dinnertime, entrées featuring beef, pork orchicken are often the star of the plate. However, meatproteins can supply your recipes with unwantedsaturated fats and cholesterol. Instead of asking yourfamily to forego their favorite meat dishes, try swap -ping out meat proteins with meat alternatives, usingsoy protein. Soy is a high-quality vegetable proteinthat is easy to incorporate into your family’s diet. Itcan support muscle strength and is an especiallygood choice for managing healthy weight for theentire family.

MATCH® premium meat alternatives provide the taste, texture and nutrition meat lovers want,without the saturated fats and cholesterol. Look for great flavor matches like ground pork, Italiansausage, ground chicken, crab and ground beef atwww.matchmeats.com.

Find recipes for family favoritesQuick, easy and delicious have to be a part of everyfamily’s meal on busy weekdays. Breakfast Burritosare sure to be a family favorite. Simply fill tortillaswith MATCH® Italian Sausage, eggs, cheese, salsaand fresh herbs for a hot, tasty start to your morning.Another sure crowd pleaser is Beef Tacos. Just swapout traditional ground beef for MATCH® Ground Beefand spoon your favorite taco ingredients into soft orhard shells. Homemade Beef Sloppy Joes are equallyas easy to make. This recipe is a tasty way to getyour whole family fed and out the door in time forevening activities.

Once you’ve picked the perfect recipes and filledyour fridge with lean proteins, like soy protein,eating well will become a healthy habit the wholefamily will love.

Beef TacosMakes: 6 to 8 tacos

1/2 cup extra virgin olive oil2 cups yellow onion, diced2 tablespoons fresh garlic, chopped1 pound MATCH® Ground Beef4 tablespoons taco seasoning1 tablespoon ground cumin2 cups canned black beans,

drained and rinsed1 jalapeno, diced with seeds6 to 8 hard or soft taco shells

Shredded lettuce, chopped tomatoes, sour cream, guacamole, cheese, taco sauce or your other favorite toppings

Add olive oil to saucepan over mediumheat. Add onion and sauté for 2 to 3 min -utes until clear but not brown. Add garlic.Sauté for one minute. Add MATCH®

ground beef and break apart with fork.Sauté for 1 to 2 minutes. Add taco season -ing and cumin. Increase heat to medium/highand continue browning MATCH® groundbeef until outside is crispy. Add blackbeans and reduce heat to medium. Addjalapeno. Serve with your favorite tacoshells and your favorite toppings.

Beef Sloppy JoesMakes: 6

3 tablespoons canola oil1 pound MATCH® Ground Beef1 medium onion, chopped2 cloves garlic, minced1 cup zucchini, chopped1 cup fresh mushrooms, sliced

3/4 cups green pepper, chopped1 (16-ounce) can tomato sauce1 teaspoon basil, dried1 teaspoon thyme, dried

Salt and pepper, to taste8 buns

Heat oil in large skillet. Sauté MATCH®

ground beef, onion and garlic over medium-high heat until browned. Add zucchini,mushrooms and green pepper. Cover andsimmer for 5 to 7 minutes until vegetablesare tender. Stir in tomato sauce, basil,thyme, salt and pepper. Simmer uncovereduntil most of the liquid has evaporated.Serve on toasted buns. Can freeze forfuture use.

Italian Sausage Breakfast Burrito Makes: 6 burritos

2 tablespoons canola oil1 pound MATCH® Italian Sausage4 eggs

1/2 cup green onion, choppedSalt and pepper, to taste

2 tablespoons fresh cilantro, chopped

1/2 cup cheddar cheese, shredded6 to 10 flour tortillas

3/4 cup salsaSour cream (optional)

In non-stick skillet, heat canola oil. SautéMATCH® Italian sausage and break up asyou cook. Cook until golden. Add whippedeggs, green onion, salt and pepper. Cookeggs through. Sprinkle with cilantro andcheddar cheese. Fill tortillas with eggmixture, spoon salsa over filling and wrap.Serve with side of sour cream.


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(NAPSI)—One in fi ve children in Amer-ica struggle with hunger—a problem that stops them from reaching their full po-tential. In fact, according to Share Our Strength, children who regularly strug-gle with hunger are less likely to graduate from high school and college. To help, TV personality and expert baker Duff Goldman is teaming up with PHILA-DELPHIA Cream Cheese to offer tips on how Americans can host a successful bake sale to help end childhood hunger through his biggest passion—baking. “Everyone can help connect children to the meals they desperately need by hosting your own bake sale as a fun and delicious fundraising opportunity,” says Goldman. “However big or small your bake sale, the funds you raise can help to end childhood hunger and assist kids in reaching their full potential.” To host a bake sale for the cause, regis-ter at bake.nokidhungry.org , select some of your favorite recipes and get baking. By registering with No Kid Hungry, fund-raisers will receive a bake sale tool kit fea-turing coupons and products to help host a successful bake sale, such as a coupon and cookbook from PHILADELPHIA Cream

Baking To End Childhood HungerCheese. Goldman’s Top Tips for Hosting a Suc-cessful Bake Sale • Pick Your Spot: Choose a high-traffi c location such as a sporting event, commu-nity center or park to get maximum foot traffi c and visibility. Just be sure to ask your local venues for permission. • Make More Dough: Have a donation jar at your table to bring in extra money. You’ll be pleasantly surprised at how many people purchase items and also drop cash in the jar. • Make ‘em Mini: In addition to full-sized pies and cakes, create mini versions of your favorite desserts. Try baking your favorite cheesecake or pie recipe in muffi n tins. • Remember to Refresh: Offer beverag-es, like lemonade or iced tea, in addition to your baked goods to help wash down the tasty treats. Learn more about hosting a Bake Sale for No Kid Hungry at :

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Bradford Journal PhotoSamantha Gray 12, dressed in her home-made Autumn Queen costume, stops for a photo at the pumpkin dessert and coffee display at Tops Markets Bradford store, October 31st. Later she will enjoy Hal-loween by visiting houses around town.

Autumn Queen At Tops


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ON THE HEALTHY SIDEHealthy, Beautiful Smiles

Can Transform Lives (NAPSI)—More self-esteem, a better career and improved relationships may be on the tip of your tongue. Well, close to it. If your teeth are not as nice as you’d like, having them treated by an orthodontist could make a big difference in your life—and if you didn’t have them straightened when you were young, you may be glad to know it’s not too late. Adult orthodontic treatment contrib-utes to signifi cant improvements in both professional and personal lives, say re-spondents to a study conducted among adults who had the treatment. Survey Findings Seventy-fi ve percent of adults surveyed reported improvements in career or per-sonal relationships, which they attributed to their improved post-orthodontic treat-ment smile. Citing newfound self-confi -dence, 92 percent of survey respondents say they would recommend orthodontic treatment to other adults. Seventy-one percent of respondents had such pretreatment concerns as “What will others think?” “How will I look?” “Am I too old?,” but an overwhelming majority said the concerns were gone once treatment actually began. Respondents reported positive out-comes: • “I was much more confi dent and self-assured once I could smile openly. Life is very stressful [on a subconscious level] when you’re always aware that you can-not open your mouth to smile without fear of judgment.” • “With an attractive smile, you can face your career and personal relation-ships with confi dence.” • “A more brilliant smile and the straightest teeth gave me confi dence to do anything.” The Doctor’s Opinion Says Gayle Glenn, D.D.S., M.S.D., president of the American Association of Orthodontists (AAO): “Adults are seek-ing treatment in record numbers and we encourage anyone, at any age, to consult an orthodontist to learn if he or she could benefi t from treatment. It’s never too late to move healthy teeth.” After dental school, orthodontists re-ceive an additional two to three years of specialized education at an accredited or-thodontic residency program. Only those who have successfully completed this for-mal education may call themselves “or-thodontists,” and only orthodontists are eligible for AAO membership. Based on their education and experi-ence, orthodontists can devise effective treatment plans that employ the full range of treatment types, from high-tech to tried-and-true, based on the needs of each indi-vidual patient. Learn More: You can fi nd AAO mem-bers at www.mylifemysmile.org

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

American Institute for Cancer Research Q: Is it true that I need to eat fat with vitamin D for it to be best absorbed? A: Not necessarily. Vitamin D is clas-sifi ed as a “fat soluble” vitamin; it is ab-sorbed out of the digestive tract packaged with fat. However, we don’t yet know exactly how much fat we need to get the maximum absorption of vitamin D. Over-all, studies seem to show that as long as we consume some fat at meals and snacks throughout the day, vitamin D from food and supplements will be absorbed and in-crease vitamin D blood levels regardless of when we consume it that day. People likely differ from one another in how consuming vitamin D affects how much the body absorbs. There are people who have trouble absorbing vitamin D. One small study showed that people who did not absorb it well, had the highest blood levels of vitamin D when they took it with their largest meal of the day. And if you take weight loss medications that block fat absorption, that medication will de-crease absorption of vitamin D. For most people, however, it appears that vitamin D consumed with food and meals that don’t contain fat will be absorbed and increase blood levels.

Straight Talk On Scoliosis (NAPSI)—Recent research may bring good news to the one in every 1,000 chil-dren diagnosed with scoliosis and their families. Scoliosis is a musculoskeletal disorder that causes the back to have an abnormal curve. Symptoms According to Anthony Sin, M.D., board-certifi ed neurosurgeon and spine specialist at Shriners Hospitals for Chil-dren-Shreveport, parents should watch for “a visible curve in the spine, uneven hips, a protruding shoulder blade or shoulders that are not even.” You may notice your child’s clothes are not fi tting correctly or that hems are not hanging evenly. In some cases, your child’s spine may appear crooked or his or her ribs may protrude. Treatments Some children with mild spinal curves may require no treatment. For those who do need treatment, your primary pediatri-cian may refer you to an orthopaedic spine specialist for the best plan based on your child’s age and the degree and pattern of the curve and the type of scoliosis. Com-mon treatments include: • Observation—If the curve measures less than 25 degrees, typically, no treat-ment is needed other than doctors exam-ining the child every four to six months. • Surgery—often with implants. • Bracing—In some cases, physicians recommend their patients to be fi tted for

a brace to prevent the curve from worsen-ing. A study supported by Shriners Hos-pitals for Children and others, published in The New England Journal of Medicine, indicates that this can be quite effective. The Bracing in Adolescent Idiopathic Scoliosis Trial compared the risk of curve progression in adolescents who wore a brace with those who did not. In the study, 72 percent who received bracing were successful.* Those who wore their brace an average of 13 hours a day had a success rate of 90 to 93 percent. “Knowing—with confi dence—that bracing is effective changes the treatment paradigm,” said Matthew Dobbs, M.D., orthopaedic surgeon at Shriners Hospitals for Children-St. Louis and lead investiga-tor for the Shriners Hospitals portion of the study. “We can now say, for a specifi c patient population, that we can avoid the need for surgery through bracing.” The study is just one way Shriners Hospitals for Children changes lives every day through innovative pediatric specialty care, world-class research and outstand-ing medical education. Its 23 facilities throughout North America provide ad-vanced care for children with orthopaedic conditions, burns, spinal cord injuries, and cleft lip and palate, regardless of the fami-lies’ ability to pay. Learn More: Further facts are at shrin-ershospitalsforchildren.org

Bradford Journal PhotoSaturday, November 2nd, some of Brad-ford “Y’s” Barracudas Swim Team mem-bers congregate on deck, poolside at the Bradford Family YMCA, just before warm-ups. Left to right are Karl Gangloff (Prep), Sarah Nichols (Junior), Ann Con-fer (Senior), and Paige Hetrick (Prep). They were there for the dual meet against the Warren YMCA swimmers. (See gal-lery for more photos.)

Dual Meet With Warren



JUST PASSING TIME

WORD SEEK

THEME: “Twenty-First

Century”ACROSS:1. Measured with a penny?6. *Carrie Bradshaw and Mr. ___ hit sil-ver screen in ‘089. “Ali ___ and the 40 Thieves”13. Twilled woolen fabric14. Australian fl ight-less bird15. _____ Mara in Africa16. Like pre-Chris-tian religion17. Often measured on the dash18. One born under Aries19. *Lance’s offense21. *Infl uenza health scare23. E in CE or BCE24. Where the road splits25. Scot’s woolen cap28. Walkie-talkie word30. Saudi Arabia’s neighbor35. Color wheel el-ements37. Seed covering39. Native Ameri-can fruit40. In neutral41. Reasoned judge-

ment43. Frost44. *Segway user46. Gilbert of “Ro-seanne”47. Subway in U.K.48. Crashed or slept50. ____ Bell52. Top engineering school53. Detest55. Make a scene57. *U.S. enemy61. *Kind of media64. “El Capitan” composer65. Pressure unit67. Disconnected69. Deadly snake of southeastern Asia70. Reef dweller71. Olive branch meaning72. ___ _ good ex-ample73. Backstabber74. Mandarin’s headquarters

DOWN:1. Cooking unit2. *What people do on a Kindle3. Therefore or consequently4. Open-mouthed5. *”Meet the Fock-ers” star6. Titanic’s cause of sinking7. Mischief-maker8. New Orleans restaurant staple

9. Shakespeare, e.g.10. “In your dreams!”11. Worshipped by ancient Semitic peoples12. Hokkaido native15. Price minus cost20. Maryland Acad-emy22. Rub the wrong way24. War vessel25. *Current mil-lennium, e.g.26. *What an iPod delivers27. Blends29. Aphrodite’s son31. Result of kissing a frog32. Celery, techni-cally33. Iambus, pl.34. *Succinct public message36. Witnesses38. *Italy stopped using it in 200242. Chocolate source45. Fix leftovers49. *Prince William became one in 201351. *______ Wall Street54. Common can-dle shape56. Fungal skin in-fection57. Requests

(Crossword Solution on page 15)

58. Paul Bunyan story, e.g.59. Arabian tea60. *Kim Jong-un’s

part of the world61. Deposited by a river62. Comic Sandler

63. Head vermin66. Last word of “America, the Beau-tiful”68. Bear cave


THAT’S ENTERTAINMENT!

Solution on page 15

NEW DVD RELEASES



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YOUR WEEKLY HOROSCOPE NOVEMBER 7 - NOVEMBER 13, 2013

ARIES - (Mar. 21 - Apr. 19)This week requires you to look for clues. Where you sense all is not what it seems, you can piece together an accurate picture.TAURUS - (Apr. 20 - May 20)This week brings a heartwarming gesture that allays your or someone else’s con-cerns.GEMINI - (May 21 - June 20)A way forward is becoming clearer and this will bring satisfactory resolution and relief.CANCER - (June 21 - July 22)You could be looking at a situation and wondering if you possess the effort or incli-nation to do what needs doing to improve it.LEO - (July 23, - Aug. 22)This week, you gain valuable insight into how you can cease being taken advantage of in some way.VIRGO - (Aug. 23 - Sept. 22)There is something you cannot simply ignore and a need exists for you to speak your mind. LIBRA - (Sept. 23 - Oct. 22)There’s something you were ‘right’ about that is being acknowledged now. SCORPIO - (Oct. 23, - Nov. 21)Reassess certain beliefs and attitudes you’ve clung to for some time. It’s now time to allow these to change with your new circumstances.SAGITTARIUS - (Nov. 22 - Dec. 20)Someone in your world could use your help. You might be able to spot some of their inconsistencies in terms of disguising this.CAPRICORN - (Dec. 21 - Jan. 19)A situation has changed recently in your world. You’re not sure you like where you’re heading or likely to end up. Enjoy the ride for a bit longer. The sky promises you will like what’s coming next.AQUARIUS - (Jan. 20 - Feb. 18) You could feel inclined to protect yourself in ways you needn’t. Clear perspective about what you do need to do is coming. PISCES - (Feb. 19 - Mar. 20)For too long, you’ve nurtured a particular idea, believing it to be, at best, satisfactory. Prepare to see how looking at it differently will bring what you truly need.

CHRONOLOGICAL LISTINGSEngagements, Marriages, Births & Deaths

ENGAGEMENTS:

LYON/GARDNER - Mr. and Mrs. Timothy F. Lyon of Smethport have announced the en-gagement of their daughter, Dr. Jen-nifer Lee Lyon, to Dr. Myles Winston Gardner, son of K.W. and Rebecca Gardner of Clifton, Va. An April 2014 wedding ceremony is planned. BURKETT/BUTTON - Scott and Sue Button of Port Al-legany would like to announce the en-gagement of their son, Michael But-ton of Brockport, to Kerri Burkett of Brockway, daugh-ter of Beverley and Larry Burkett, also

of Brockway. Wed-ding plans are set for Sept. 20, 2014.

MARRIAGES:

COLE/BUNCE -Sara Kay Cole, daughter of David and Monica Cole of Angelica, and Keith Willard Bunce, son of Willard and Car-ol Bunce of Brad-ford, Pa., were unit-ed in marriage Oct. 13 at The Old Li-brary in Olean, NY. The couple resides in Gifford, Pa.

BIRTHS:

OCT. 26, 2013:Daughter, Oct. 26, to Katherine Bundy and Bruce Hitch-cock, Olean, NY.OCT. 27, 2013:Son, Oct. 27, to Ashley and Mark Jackson

Daughter, Oct. 27, to Kelsey Kiernan, Kane, PA.Son, Oct. 27, to Di-ana and Tyler Tri-plett, Bradford, PA.Daughter, Oct. 27, to Kelsey Kiernan, Kane, PA.OCT. 28, 2013:Son, Oct. 28, to Jennifer and Ryan Swanson, Bradford, PA.Son, Oct. 28, to Devin Kio and John Forrest Bean, Port Allegany, PA.Daughter, Oct. 28, to Stella and Ryan Chambers of Smethport, PA.OCT. 29, 2013:Daughter, Oct. 29, to Ashley and Joel Zelko, Portville, NY.Son, Oct. 29, to Deanna and Jason Moses, Olean, NY.OCT. 30, 2013:Son, Oct. 30, to Koryn Deyoe and

Dante Tarr, Portville, NY.Daughter, Oct. 30, to Ashley and Justin Malpiedi, Allegany, NY.OCT. 31, 2013:Daughter, Oct. 31, to Shannon and Sal-vatore Luzzi, Brad-ford, PA.Daughter, Oct. 31, to Amy and Timo-thy Boults, Wilcox, PA.NOV. 1, 2013:Daughter, Nov. 1, to Rachelle Boyd and Brian Shoup, Olean, NY.

DEATHS:

OCT. 15, 2013:BARNES, Shelia A. - 54, of Tequesta, FL, formerly of Brad-ford, PA.OCT. 24, 2013:LOVELL, Robert E. - 83, of Port Alle-gany, PA.

OCT. 25, 2013:CASERIO, Bernard B. - 85, of Bradford, PA.OCT. 26, 2013:ROSE, Harriet L. Larson - 88, of Kane, PA.HODGDON, Car-ole J. Johnson - 71, of Kane, PA.OCT. 27, 2013:WHITEMAN, Don-ald J. Jr. - 62, of Ma-haffey, formerly of Bradford, PA.DOLESKI, Stanley P. - 95, of Bradford, PA.OCT. 28, 2013:

MARCONI, James J. - 85, of Kane, PA.SAFFORD, Victor R. - 41, of Port Al-legany, PA.DAY, Robert S. - 92, of Bradford, PA.VERSHAY, Anna R. Haggerty - 89, of Coryville and Smethport, PA.OCT. 31, 2013:ANJESKI, Donald R. - 66, of Port Al-legany, PA.NOV. 1, 2013:MALJOVEC, Joyce - 84, of Kane, PA.TORREY, Cora M. - 89, of Coneville, PA.

Doing Homework Can Find Money

For College

(NAPSI)—There’s good news for parents with college-age children. In-vesting the time and effort to fi nd mon-ey for college can pay dividends when it comes to covering the costs of higher education. That’s the word from experts who say that both public and private grants and loans are available but in order to qualify an applicant must meet certain criteria. For instance, eligibility for certain private scholarships may depend on an ethnic, religious or professional affi lia-tion. When it comes to securing grants and loans from the federal government, applicants must fi ll out a Federal Stu-dent Aid form, also known as the FAF-SA form. This form is used to determine eligibility. It’s available online at:

www.fafsa.ed.gov Young men 18 and older must also register with the Selective Service Sys-tem in order to qualify for Pell Grants, College Work-Study, Guaranteed Stu-dent/PLUS Loans and National Direct Student Loans. Registration forms are at the post offi ce and online at:

www.sss.gov


CROSSWORD SOLUTION

JOURNAL CLASSIFIED ADSJOURNAL CLASSIFIED ADS

SUDOKU SOLUTION

CARS/TRUCKS:

2001 Ford F-150, 6 cyl 86,000 miles in good condition, standard w/cruise control, AM/FM, CD player with cap & bed liner. Good gas milage, clean and new tires.Call 814-362-2495

1998 Chrysler Concorde. 84,109 miles, clean interior, tilt, air, cruse. Pow-er windows, locks, seats & mirrors. Cassette player (in-fi nity system). Fresh inspection good un-til Oct 2014. Asking $2800. Call 814-598-2445 if inter-ested.

APARTMENTS FOR RENT:

1BR in Smethport, fully remodeled, new everything. No pets. Security req. 598-7442

1, 2,& 3 Bedroomapts. available in Bradford., no pets. Please call 1-716-373-3360

HOMES FORRENT:

2BR, 1 bath & ga-rage $675 +Gas & Elect Washer/Dryer incl. No pets or smoking Credit check required814-598-2322

3BR Mobile Home w/ addition, Lewis Run. $575/mo. incl. W/S/G, all applianc-es and W/D. New carpet through-out. NO pets, NO smoking. Security deposit and credit references required.Call 814-362-9930.

3BR Ranch, 1 1/2 BA, quiet neighbor-hood, $800 + utili-ties. 814-598-1994

Smethport: Very nice multiple BR homes (5,3,2) for

rent with spacious yards. Call 558-6112

HOMES FORSALE:

1 story, 3BR home for sale. Full base-ment, attached 2 stall garage, new roof & furnace. 1 acre of property.159 W. Main St. Mt. Jewett., $65,000 814-778-2208

FOR SALE: 2BR, 2BA - 14 X 70 Mobile Home w/ appliances & stor-age shed. Nice lot, across from Country Club in Smethport. Call 814-887-6065 or 814-366-2234.

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Antique Gas Heat-ing Stove: Cast iron, great shape. Made 1895. Must see, make offer.362-3958

Large Mahogany Executive Desk, excellent condi-tion. Console TV, Tan Settee, OddChairs, antique Royal Typewriter, antique grocery Toledo Scale, win-dow air condi-tioner. 9x7 non-in-sulated fi berglass garage door, in-cludes rails and auto opener. Call 362-3391.

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Tokens & Medals • Tokens & Medals

• Pocket Knives

Selling Coin Supplies

• Zippo Lighters - (New & Used)

• Gold & Silver JewelryBradford Journal PhotoRepresentatives of Bisett Building Center take part in the Bisett Employee 3rd An-nual Chili Cook-off, October 31st, where other employees and customers enjoyed sampling the various dishes throughout the day. From back to front are Debbie Hannold, Mark Wujastyk, and Kyle Eck. Employees provided the entries and the event brought in over $200 and an addi-tional contribution from the Bisett com-pany, yielding a $500 total contribution to the local Kids & Cancer group. Win-ners were 1st Place Debbie Hannold; 2nd Place Jamie Gummo; and 3rd Place Bill Webster.

That’s A Lot Of Chili



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Important News For Seniors With Diabetes (NAPSI)—Recently, the approxi-mately 10.9 million American seniors on Medicare1 who live with diabetes were alerted to new changes that could impact access to their blood glucose testing supplies. Many people with diabetes use these supplies—including blood glucose me-ters and testing strips—to monitor their blood glucose (also known as “blood sugar”). Learning to use and maintain a blood glucose meter usually requires practice, and, over time, patients often become very comfortable with a partic-ular meter. This is important, because consistent blood glucose monitoring is critical to help people with diabetes track blood glucose levels, identify the best approach to control their diabetes, and avoid the potentially serious com-plications of the disease.2 Medicare Changes The Centers for Medicare and Med-icaid Services (CMS) recently institut-ed a new program that reduces Medi-care reimbursement for certain diabetes testing supplies, including blood glu-cose test strips, for people with diabe-tes.3 These changes could limit seniors’ access to their preferred diabetes test-ing supplies—those they’re comfort-able using and that their doctors recom-mend. CMS may suggest that patients switch to unfamiliar products, causing confusion or frustration. Or worse, ac-cording to a survey by the American Association of Diabetes Educators,4 patients who can no longer access the products they’re comfortable using

may test their blood glucose levels less frequently or stop testing altogether. This could potentially result in poor blood glucose control. Finding Support A number of resources are available to help seniors with diabetes understand and manage the Medicare changes and make it easier for them to access their familiar supplies or, alternatively, fi nd new products that are both appropriate for them and affordable. The American Diabetes Association (www.diabetes.org) provides comprehensive informa-tion and guidance regarding the chang-es. Many blood glucose testing suppli-ers provide free training and support services for seniors who either decide to switch products or want to continue using their familiar supplies.

To help seniors navigate through these changes, the global health care company Abbott has enhanced its Free-Style Promise® diabetes support pro-gram to provide new resources and support services to Medicare patients. Seniors with diabetes, their doctors and caregivers can learn more about Ab-bott’s FreeStyle Promise program at http://www.freestylecoveredbymedi-care.com and 1-855-578-2660. 1http://www.diabetes.org/advocate/our-priorities/health-care/medicaid-and-medicare.html 2http://www.diabetesaustralia.com.au/Living-with-Diabetes/Type-1-Di-abetes/Managing-Type-1-Diabetes/Blood-Glucose-Monitoring/. Accessed July 26, 2013 3 h t t p : / / w w w. c m s . g o v / O u t -reach-and-Educat ion/Outreach/Par tnersh ips /Downloads /DME-POSBeneFactSheetNatMailOrderPro-gApril201311634.pdf 4http://www.diabeteseducator.org/export/sites/aade/_resources/Advoca-cy/AADE_DME_SURVEY.pdf FreeStyle and related brand marks are trademarks of Abbott Diabetes Care Inc. in various jurisdictions. Precision and related brand marks are trade-marks of the Abbott Group of Compa-nies in various jurisdictions.

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Medical Community Takes Fresh Look At Hormone Therapy For Menopause Symptoms (NAPSI)—It’s a fact: up to 85 per-cent of menopausal women suffer from hot fl ashes.1 While hot fl ashes and other symptoms are a common rite of passage in menopause, opinions on treatment with hormone therapy (HT) have been anything but universal—but that is changing. Recently, 15 top medical organizations issued a statement of agreement that HT for the treatment of menopause symptoms is acceptable and relatively safe for healthy, symptomatic, recently postmenopausal women.2 The statement was prepared by The North American Menopause Society (NAMS), the American Society for Re-productive Medicine (ASRM), and The Endocrine Society and jointly endorsed by 12 other leading women’s health organi-zations. According to its authors, the pur-pose of the statement was to provide reas-surance in the decade-long debate about HT, which began with the publication of the controversial Women’s Health Initia-tive (WHI) in 2002. “We believe that too many symptomat-ic women are missing out on the proven benefi ts of hormone therapy because the results of the WHI, which studied the long-term use of hormones to prevent chronic disease, were misinterpreted for women with menopausal symptoms,” Dr. Mar-gery Gass, executive director for NAMS, said in a press release about the joint state-ment. “Women and clinicians are frustrat-ed by the many confl icting recommenda-tions. That’s why we initiated this effort to bring these notable medical organizations together in agreement regarding the use of hormone therapy.” Health experts encourage women who are bothered by moderate to severe meno-pausal symptoms to speak with their doc-tors about the possibility of treatment with HT. “Physicians can help patients deter-mine, based on their own particular char-acteristics and history, whether or not they are good candidates for hormone therapy and what type of HT will provide them the greatest relief at the lowest risk,” Roger Lobo, MD, Past President of the ASRM said in the press release. If a woman thinks hormone therapy might be right for her, she should ask her doctor about prescription estrogens which continue to be the most effective option for relieving the discomfort of hot fl ashes and night sweats associated with meno-pause.3 The FDA recommends the lowest effective dose with any estrogen therapy for the shortest amount of time to achieve personal treatment goals.4 A physician may prescribe Divigel® (estradiol gel) 0.1%, a bioidentical,5 transdermal estro-gen gel with the lowest FDA-approved dose of transdermal estradiol gel or spray (0.25 mg/day estradiol) for hot fl ashes.6-9 Divigel® is used to treat moderate to se-vere hot fl ashes due to menopause. Gener-ally, women should be started at 0.25 mg/day of Divigel®. For patients who are prescribed Divi-gel®, saving money is easy and just a few clicks away at divigel.com. Patients can

print the Patient Savings Coupon, bring it to their local pharmacy, and pay no more than $25 on their Divigel® co-pay amount. The Patient Savings Coupon is for eligible patients only and limited to a maximum savings of $25 each on 12 Divigel® pre-scriptions. Offer expires on June 30, 2014. Important Safety Information for Pa-tients What is the most important informa-tion I should know about Divigel® (an es-trogen hormone)? • Using estrogen-alone increases your chance of getting cancer of the uterus (womb). Report any unusual vaginal bleeding right away while you are using Divigel®. Vaginal bleeding after meno-pause may be a warning sign of cancer of the uterus (womb). Your healthcare pro-vider should check any unusual bleeding to fi nd out the cause. •Do not use estrogen-alone to prevent heart disease, heart attacks, strokes or de-mentia (decline of brain function) •Using estrogen-alone may increase your chances of getting strokes or blood clots •Using estrogen-alone may increase your chance of getting dementia, based on a study of women 65 years of age or older •Do not use estrogens with progestins to prevent heart disease, heart attacks, strokes or dementia •Using estrogens with progestins may increase your chances of getting heart at-tacks, strokes, breast cancer, or blood clots •Using estrogens with progestins may increase your chance of getting dementia, based on a study of women 65 years of age or older •You and your healthcare provider should talk regularly about whether you still need treatment with Divigel® Divigel® should not be used if you have unusual vaginal bleeding, currently have or have had certain cancers, includ-ing cancer of the breast or uterus, had a stroke or heart attack; currently have or have had blood clots, currently have or have had liver problems, have been diag-

nosed with a bleeding disorder, are aller-gic to Divigel® or any of its ingredients, or think you may be pregnant. Tell your healthcare provider about all of your medical problems and the medi-cines you take, if you are going to have surgery or will be on bed rest, and if you are breastfeeding. Call your healthcare provider right away if you get any of the following symp-toms: new breast lumps, unusual vaginal bleeding, changes in vision or speech, sudden new severe headaches, or severe pains in your chest or legs with or without shortness of breath, weakness and fatigue. Common side effects that may occur with Divigel® include headache; breast pain; irregular vaginal bleeding or spot-ting; stomach or abdominal cramps, bloat-ing; nausea and vomiting; hair loss; fl uid retention and vaginal yeast infection. Serious but less common side effects include heart attack, stroke, blood clots, dementia, breast cancer, cancer of the uterus, ovarian cancer, high blood pres-sure, high blood sugar, gallbladder dis-ease, liver problems, and enlargement of benign uterus tumors (“fi broids”). Alcohol-based gels are fl ammable. Avoid fi re, fl ame or smoking until the gel has dried. Please see Patient Information for Di-vigel® and talk to your healthcare provid-er. For more information, call 1-888-650-3789 or visit www.divigel.com. You are encouraged to report nega-tive side effects to Upsher-Smith Labora-tories, Inc. at 1-855-899-9180, or to the FDA by visiting www.fda.gov/medwatch or calling 1-800-FDA-1088. For more information about hot fl ash-es, talk to your doctor, and visit www.di-vigel.com to learn more about this treat-ment. Divigel® is marketed in the U.S. by Upsher-Smith Laboratories, Inc. ©2013 Upsher-Smith Laboratories, Inc., Maple Grove, MN 55369


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Photo courtesy of Getty Images

FAMILY FEATURES

The holiday season gives people the chance to take a breakfrom their typically hectic lives to catch up with family and friends. Beyond the festive decorations, music and food that make this time of year so special, it’s important

to take a moment to enjoy the scents and the great feelings, memoriesand motivations that they inspire — especially while entertaining.Whether it’s the smell of mom’s homemade cookies or the woodsyallure of a fresh-cut tree, these smells have a remarkable way ofboosting spirits.

While the holiday season is an especially fragrant and emotionaltime of year, a new study by Glade shows that many people under -value the positive impact scent can have on their daily lives. Forty-four percent of survey respondents said if they had to lose one oftheir five senses it would be smell. Yet, more than four out of fivesaid they know from experience that scent can have a positive effecton mood. Those who are aware of the mood enhancing benefits ofscent understand its important role during the holidays and beyond.

“Scent is one of our most powerful senses. It brings more mean -ingful moments to our lives every day by allowing us to feel more,more often. This is especially relevant during the holidays — a time of year rich with fragrance, emotion and memories,” saysRachel Herz, Ph.D., who has been researching the intersection ofsmell, emotion, perception, motivated behavior and cognition since1990 and is the author of “The Scent of Desire: Discovering OurEnigmatic Sense of Smell.”

This winter, capture the moments and special memories of theholiday season by creating a warm environment for family andfriends. Here are some tips to incorporate into your holiday enter -taining preparations that will make your home perfect for an invitinggathering:

� Evoke the senses through scentFrom the sweet fragrance of rich vanilla or the blend of winterberries and greenery, walking into a room with a seasonal scentinstantly sets the mood, whether it’s comfort and relaxationfrom warm vanilla or invigoration from wintry greens. A litcandle on a side table is always a lovely touch to your holidaydécor, though there are other options for enjoying your favoritefragrances such as Glade Wax Melts or Glade PlugIns ScentedOil Customizables Warmers. You and your guests will love themany options available in the Glade Winter Collection, whichincludes scents like Sparkling Spruce, a fresh balsam and crisp

cypress fragrance that may evoke nostalgic memories of decorat -ing your first tree or perhaps sledding in the woods after thefirst winter snow.

� Turn up memorable melodiesLike scent, music has a way of evoking feelings and memories.When looking for a playlist, choose music that speaks to child -hood holidays. Or, delight older relatives with holiday classicsthey’ll enjoy. If you have musicians in the mix, encourage themto bring their instrument and favorite holiday songbooks.

� DIY décorAdding a cheery look to your home can be done without a tripto the craft or home decorating store. Simply fill large glassvases, metallic serving bowls or lanterns with brightly coloredglass ornaments for gorgeous centerpieces that will illuminatethe room. Add a sentimental touch by using decorations thathave been passed down through generations.

� Let it glowHaving the right amount of light is a must for any gathering. Be sure to have a room that is properly lit for guests to enjoyactivities, while maintaining an inviting atmosphere. Everyonewill love cozying up to a burning fireplace. If you don’t have afireplace, place candles around your space for an intimate feel.

� Serve treats that please the sensesGive guests a trip back in time to grandma’s kitchen and bakeup special treats that evoke the sense of nostalgia. Time yourbaking so the goodies are done right before the guests arrive tothoroughly enjoy lingering baking smells. Freshly baked ginger -bread cookies, cinnamon apple cake or pumpkin pie are alwayssure to please.

This holiday season, encourage your guests to smell, feel andshare their best feelings by creating an atmosphere that is warm,inviting and memorable — because nothing makes us feel quitelike scent. For more information, visit www.glade.com or followGlade on Facebook, Twitter and Instagram.

Connections betweenhappiness and smellAccording to the study, the following scentswere listed as those that most inspire happinessamong the respondents questioned:

� Freshly baked bread (72%)

� Freshly laundered clothing (70%)

� Briny smell of the seashore (66%)

� Tang of a fresh-cut orange (63%)

� Sweet bouquet of apple cinnamon (62%)

� Warm scent of vanilla (60%)

� Decadent smell of chocolate (59%)


Razoo For Schools Goes High Tech (NAPSI)—Fundraising for your child’s school isn’t just about car washes, candy bars and bake sales anymore. That’s the word from parents and oth-ers who say Parent Teacher Associa-tions—commonly known as PTAs—and other nonprofi t organizations are learning to make better use of technology in order to raise money. For example, there’s a platform that provides charitable giving solutions based on what it calls “a new era in philanthro-py.” Considered by many to be a leading example of a fundraising method known as crowdfunding, Razoo helps nonprofi ts leverage secure and effi cient technologies to raise money and engage in charitable giving activities. Crowdfunding involves collecting small donations from many par-ties in order to raise the money needed for a particular project or venture. Razoo has expanded its online plat-form to allow people to give directly to other people for nearly any cause. Its site now empowers everyday philanthropists to show they care through generosity and peer-to-peer sharing for personal fundrais-ers. Options for PTAs Razoo can help transform any PTA fundraising initiative into a fun, interac-tive experience. It provides expert tips and resources that eliminate the massive time investment for busy parents while increas-ing the participation and results through crowdfunding. Across the country, PTAs are using the

platform’s resources in a number of ways. For instance, some organizations are using its website to launch customized fundrais-ing pages for special projects or events. For example, one PTA mom, Diane Kelleher, uses Razoo to help her daugh-ter’s elementary school, Sligo Creek Ele-mentary in Silver Spring, Md., raise money for its annual fundraiser, the Salamander Stride. She said Razoo “enables us to get

more energy and more dynamism to reach out to a larger number of supporters.” Other schools are turning to Razoo for assistance in setting up the mechanism that would let them accept donations on their own site or on their organization’s Facebook page. Another way PTAs are using the web-site is as a tool to help them organize their core supporters to raise money for specifi c projects. A Simplifi ed Process Using the website to set up a fundrais-er only takes a few minutes. The site of-fers examples of different approaches and provides visitors with the tools they need to customize a page that tells their PTA’s unique story using images, words and vid-eos provided by the PTA. The platform also shows PTAs how to use e-mail and social media—such as Facebook and Twitter—to share news of their fundraising efforts with friends, family and community. Experience has shown that keeping supporters updated and showing them the difference each do-nation makes can help to build support for the overall campaign. To cover its costs, Razoo charges 4.9 percent on every donation it collects. It automatically e-mails each donor a tax-deductible receipt so the nonprofi t doesn’t have to. The platform also has programs for assisting individuals, corporations and other organizations. To learn more, visit www.razoo.com

A Trike That Can Grow With Your Tyke (NAPSI)—There’s good news for parents or grandparents who want the best for a child. There’s a new adaptable tricycle designed to change as a child grows. It’s built in a way that lets a par-ent get involved while the child enjoys it and develops independent skills. Described as the world’s most ad-vanced tricycle, the new Smart-Trike 4 in 1 Dream—thought by many to be a great value—has patented swivel wheel Touch- Steering™ technology, which is like power steering that allows the parent to use the slightest touch to maneuver the trike. Unlike regular strollers or tricycles, the Smart-Trike Dream has two steer-ing modes. The fi rst mode—external control—allows full parent control. The second mode—internal steering-is ad-justable to allow more and more child independent control-which eventually can completely transform the product into a traditional tricycle. There are a number of features that have contributed to the trike earning dozens of awards and honors, includ-ing being named a 2012 Top Ten Best

Children’s Product from Dr. Toy. For example, it has built-in suspension and shock-absorbing rubber wheels for a much smoother and safer ride for the child. To learn more, visit:

www.smart-trike.com



Medicare focuses on acute care costsMedicare covers medically necessary care and focuses on medicalacute care, such as doctor visits, drugs and hospital stays. If veryspecific conditions are met, Medicare will help pay for all or aportion of a short stay in a skilled nursing facility, hospice care orhome health care.

Medicare does not cover custodial long-term care services. Theseservices and supports help people perform Activities of DailyLiving (ADLs) that are non-medical, such as getting in and out of bed, walking, bathing, dressing, eating, and bowel and bladdermanagement.

Medicaid only available if incomeand assets are low enoughMedicaid is a joint federal and state government program that helpspeople with low income and assets pay for some or all of theirhealth care bills. It covers medical care, long-term care services in nursing homes and long-term care services provided at home.Rules about who is eligible for Medicaid benefits and what servicesare covered are based on federal requirements, but states have con -siderable leeway in how they operate their programs.

To be eligible for Medicaid, you must meet certain require ments,including having income and assets that do not exceed the levelsused by your state. The Medicaid eligibility process considers thevalue of your home to make sure it is under the state set limit,your assets and your income. Documentation from your financialinstitutional “looking back” five years will be required. Once yourstate determines you are financially eligible for Medicaid, thestate will conduct a functional assessment to determine whetheryou are disabled enough to qualify for long-term care services.Your state Medicaid Assistance office is the best source for informa -tion about how to qualify for Medicaid in your state and if youqualify for long-term care services.

If you receive Medicaid coverage for long-term care services,federal law requires states to recover the amount Medicaid spent

FAMILY FEATURES

There are important realities

every American must know

about long-term care. Long-

term care is more expensive than

most people think. And, most impor -

tantly, the cost of care is usually

paid for out of savings and income.

About 70 percent of people turn -

ing 65 can expect to need some

kind of long-term care as they age.

A number of public programs,

includ ing Medicare and Medicaid,

may help pay for some long-term

care services under certain circum -

stances. However, each program has

specific rules about what services

are covered, how long you can

receive benefits, whether or not you

qualify for benefits, and how much

you have to pay in out-of-pocket

costs. To accurately plan for your

long-term care needs, it is very

important to know the facts about

what may or may not be covered.

on your behalf from your estate after you die. Moststates recover the cost of long-term care services.

Paying out-of-pocket for careIf you have enough income and savings, you willneed to pay for long-term care services on yourown, from your incomes, savings and, possibly,the equity in your home. Many people believewrongly the medical insurance or disability insur -ance they currently have will pay for all or muchof their long-term care. In general, health insur -ance covers only very limited and specific typesof long-term care. Disability policies serve toreplace income and, as such, do not cover long-term care at all.

Long-term care insurance is designed to cover

Calculating the costBecause there are many kinds of long-term care services and supports, there is a widerange of costs depending on the type of care needed, duration of care needed, provideryou choose and where you live. Some average costs for long-term care in the UnitedStates (in 2010) were:

long-term services and supports. Policiesreim burse policyholders a daily amount(up to a pre-selected limit) for servicesto assist them with activities of dailyliv ing, such as bathing, dressing oreating. You can then select a range ofcare options and benefits that allow youto get the services you need, where youneed them. If you are in poor health or already receiv ing long-term careservices, you may not qualify for long-term care insurance.

For more information about addi -tional methods of paying for long-termcare, including reverse mortgages,annuities and trusts, visitwww.longtermcare.gov.

� $19 per hour for homemaker services

� $21 per hour for a home health aide

� $67 per day for services in an adult day health care center

Calculate the cost of care in your area by visiting http://longtermcare.gov/costs-how-to-pay/costs-of-care-in-your-state/.

� $3,293 per month for care in an assistedliving facility (for a one-bedroom unit)

� $205 per day or $6,235 per month for asemi-private room in a nursing home

� $229 per day or $6,965 per month for aprivate room in a nursing home


Boneless Ham Is The Go-To Choice For Holiday Entertaining (NAPSI)—A boneless ham offers a world of delicious choices for holi-day entertaining, whether served as the centerpiece of a festive sit-down dinner or made into a variety of tasty, easy-to-prepare appetizers excellent for more casual gatherings. Sponsored by Kentucky Legend Ham, a hotline ensures every bite turns out right, right down to the leftovers. Now in its fourth year, the hotline has ham experts who will fi eld questions ranging from what size ham to buy to what type of wine to serve alongside. The hotline is open at (866) 343-5058 from 9 a.m.−7 p.m. ET, Monday−Fri-day throughout the holiday season, from November 11 until December 28. “Ham is wonderful for entertaining because it is so versatile,” explains Ja-net Sweeney of Kentucky Legend Ham. “Most hams are fully cooked already, so they are nearly foolproof to pre-pare, and ham lends itself to so many creative appetizers that can be ready in minutes.” Boneless hams, she points out, are perhaps the best value because there is no waste, and consumers aren’t paying for the weight of the bone. Every bite of a boneless ham can be enjoyed. To help everyone get the most from their ham, the company has created a new decision tree guide (visit www.specialtyfoodsgroup.com) to make choosing and preparing ham appetizers easier than ever. First, at-home chefs choose a preferred fl avor: savory, sweet or a combination. Then they decide how much time they have to prepare the small bites: 10 minutes or less, or

longer. The guide points them to reci-pes that meet their needs. “Our goal is to make entertaining easier for today’s busy families and to show how ham is a great choice for any eating occasion,” adds Sweeney. Kentucky Legend Hams have been made for more than 100 years in Owens-boro, Kentucky, with each ham hand-selected, hand-trimmed and double-smoked according to a recipe handed down through generations. Consumers can learn more at the company’s web-site, where they’ll also fi nd ham prepa-ration tips and recipes. The fi rm is part of the Specialty Foods Group, Inc. (SFG) family of pre-mium-branded and private-label meat

products, all produced in the U.S. Here’s one recipe you may care to try:

Ham & Brie Crostini

Ingredients:

1 Tbsp. olive oil

1/8 tsp. salt

1/8 tsp. pepper

12 slices French bread baguette (½” thick)

12 thin slices Kentucky Legend Ham

6 oz. Brie cheese, cut into 12 slices

3 Tbsp. raspberry preserves

Directions:

Mix salt and pepper with olive oil. Brush baguette slices on both sides. Place on a baking sheet. Broil for 1−2 minutes on each side or until toasted. Top each slice with raspberry pre-serves, cheese and ham. Broil 3−4 inches from the heat for 2−3 minutes or until cheese is melted. Makes 12 serv-ings.

Time To Upgrade Your Water Softener? (NAPSI)—If your water softener is old and outdated, it’s a good bet it’s inef-fi cient. A unit with modern technology can produce:• Lower water, salt and electric bills• Easier cleaning• Softer skin• Shinier hair• Better-tasting water, drinks and food• Brighter, softer laundry• Sparkling dishes. Think a high-effi ciency water softener makes sense? Make sure by taking these three steps: Step 1: Determine your cost of opera-tion. Review your water and electric bills; also, consider your salt usage. Are you buying more salt because you have to fi ll the tank more frequently? If you’re seeing costs creep up, you’re using excess water, indicating your water softener is not as ef-fi cient as it could be. Step 2: Get your water softener in-spected. Every water softener, no matter

its age, should be inspected at least once a year to ensure the most effi cient operation. A local water expert, such as a Culli-gan Man, can inspect your water softener to ensure it’s working properly and con-duct a portable in-home test to gauge your home’s water quality. If the results suggest a bigger problem beyond your water sof-tener, he can send a sample to the com-pany’s accredited water laboratory.

Step 3: Understand modern technol-ogy. Water softeners used to be sized for the number of people in a home. If your household size has changed—say, your kids have grown up and moved out—your water softener may be using more water and electricity than necessary. Today’s high-effi ciency water softeners can moni-tor for changes in water consumption, ad-justing automatically. Other automatic features of modern water softeners include the ability to ad-just if your water hardness increases, thus allowing you to customize the feel of your

water. Some units also have a smart brine tank that monitors salt levels and tells you how many days of salt remain. Based on the inspection and water test results, a Culligan Man can recommend the high-effi ciency water softener to best meet your needs.Learn More: For further information about high-effi ciency water softeners, see http://www.culligan.com/en-us/d/homes/water-softener/



Brick and mortarCommonly thought of as the most traditional ofplans, this business model involves businesseshoused in physical buildings from which theysell their products. One major advantage of brickand mortar businesses is the personal interactiontypically achieved between consumer and owner.Since the retail experience is part of what’s forsale, physical appearance and location of thefacility need to be factored into the overall costof running the business. Due to the rising popu -larity of online shopping, many brick andmortar businesses are turning to the internet,combining a physical location with an onlinepresence. However, small businesses that offerservices that cannot be purchased through theinternet, like hair and nail salons, still thrivewith this method.

Bricks and clicksThe “bricks and clicks” model is typically usedto describe a business with a both a retail andan online location. A major advantage of thebrick and click model is it allows customers to see the product physically, coupled with theoption to buy products with the convenience ofa mouse click. Many businesses with a physicallocation also have a long-standing relationshipwith customers, and this can help boost theirinternet sales. This online component allows theentrepreneur to be well-positioned to competewith other online businesses. One disadvantageof the brick and click model is the higher over -head required to run both a physical locationand keep a website fresh and current.

Many examples of successful bricks andclicks businesses are retailers which, in particu -lar, sell clothing and footwear. Local customerscan go in to try on the wares physically andthen purchase from the comfort of their ownhome. These same customers know they canship items anywhere with the easy distributionprovided by the online component.

FranchiseA franchise is a business model thatinvolves two parties — a franchisorand a franchisee. Franchises are a goodfit for those with an entrepreneurialspirit but who also may lack businessexperience and would benefit from the structure, support and guidance thefranchise model provides. To become a franchisee, an entrepreneur pays a fee and/or shares the revenues of thebusiness. Because a franchise is ownedby a franchisor, the franchisee mustfollow set guidelines. For example, fast food franchisees typically cannotchange their menus, logos or signage.The types of franchise opportunities arevast, but can include hotels, convenience storesand fast food restaurants.

If you’re trying to narrow down your options,knowing your location and community is essen -tial. Some franchise opportunities, such as The UPS Store, specialize in building franchiseopportunities in small towns and rural locations.As many of these areas are underserved inbusiness, packing and shipping amenities, suchfranchise models deliver a sought-after servicefor other small businesses and citizens withinthe community. Having a clear understanding of your community’s needs can ensure yournew business venture is successful and profitable.

It’s also important for franchisees to thinkoutside the box when selecting their location.For example, some businesses, such as TheUPS Store, can thrive in non-traditionallocations, such as hotels, rural communities,university campuses, military bases andconvention centers. For more information, visit www.theupsstore.com/mainstreet.

Direct salesWithout a physical retail structure, the directsales model sells products through independent

FAMILY FEATURES

Millions toil away in their office cubicles, dreaming of owning

their own piece of the American dream. Meanwhile, many entre -

preneurial thinkers are using rough economic times as the cata -

pult for making their small business dreams come true.

With so many types of business models available, it can be hard to deter mine

which one is the best fit for you.

5 tips on creating agreat business plan

Once you’ve determined which business model bestsuits your needs, developing a business plan is essen -tial. Here are five tips from SCORE, a non-profit thatgrows successful small businesses across America, tohelp you get started:

� Take the long view and do long-term plan ning. Map out where you want to be five years from now and how you plan to get there.

� Write the plan yourself. You will learn more aboutyour business by doing so.

� Think of your plan as a living document. Review it regularly to make sure you are on track or toadjust for market changes.

� Share the plan with others who can help you getwhere you want to go, such as lenders, keyemployees and advisors.

� Understand you might pay a price in the short runto obtain long-term business growth and health.

distributors who specialize in face-to-face experi ences with the consumer.One main benefit of direct sales is theability to sell with out overhead orsupply costs of running a facility.Many direct sales entrepreneurs pur -chase their products directly from theparent company piece meal, so noadditional storage space is needed tohouse the product.

A majority of direct sales busines -ses use a party plan with hands-on cus -tomer service to sell the product, andleverage their personal involvement as an advan tage over other methods of reaching customers. This type ofbusiness is often used to supplementother small businesses or as part-timeemployment, as it is often easy to sellthrough homes, jobs or other socialcommunities. Examples of direct salesopportunities for small businessesinclude makeup, housewares, jewelryand vitamin products.

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