bradfordjournalcolorissue1 21 16c

INDEX

Weather 2Comments & Opinions 3Obituaries 4 Social News 6Word Seek/Crossword 12Comics/Sudoku/DVDs New Releases

13

Classifi eds 19Senior Page 20

Bradford JournalP.O. Box 17, Bradford, PA 16701-0017

www.bradfordjournal.comPhone: 814-465-3468

VOL. 175 NO. 3 BRADFORD JOURNAL/MINER THURSDAY JANUARY 21, 2016 www.bradfordjournal.com Bradford Journal/McKean County Miner/Mount Jewett Echo Phone 814-465-3468

Bradford’s Weekly Newpaper $1.00

Bradford Journal

Bradford Journal PhotoThe Jus’ 4 Now band performed during this year’s VetJam, January 16th at the Brad-ford Vets Club Event’s Center. And “just for now” it certainly was. Left to right, Brett P., bassist and vocals; John Rimer, drummer; and Jim Ronan, lead guitar and vocals, came together expressly for this event. As Jim Ronan put it, “This is the band’s fi rst practice, its fi rst and last stop on a world tour, and its last stop on a farewell tour.” And the crowd in attendance was soon on its feet with the rocking tunes of “Keep Your Hands to Yourself” and “Ride Around Sally.” (See more pictures in the photo gallery.)

Jus’ 4 Now Gives Its First And Last Performance

Photo by Mary DePalmaDean Meacham looks into our lense to help us record the fact that he was alive and well, and enjoying himself during the VetJam held at the Bradford Vets Club Event’s Center. He was again a part of the security team and also cooked as he has over the last nine years. The event was a great success and he helped make it hap-pen. (See more pictures in the photo gal-lery.)

Helped Make It Happen

Bradford Journal PhotoAt the appointed hour, 5:00 PM, Saturday, January 16th, the Goodbye Dawn band took the stage during the all day benefi t VetJam Event. Left to right are bassist Kevin Dougherty; guitar and vocalist, Brett Maybee; keyboard and vocalist, Rebekah Zaric-zny (pronounced Zartsney); drummer Mike Franklin; and guitar and vocalist, Alex Coustenis. They certainly caught the attention of the crowd with their powerful, high-energy sound. (See more pictures in the photo gallery.)

Goodbye Dawn Helped Make Benefi t A Success

https://bradfordjournal.smugmug.com/Journal-Photography-1-21-16/



Bradford Journal & Miner Thursday, January 21, 2016 www.bradfordjournal.com

LOCAL & AREA NEWS

Thursday, Jan. 21:Mostly cloudy today with a high of 24°.

ThursdayNight:Mostlycloudy tonight with a low of 8°.

THE BRADFORD AREA 5-DAY WEATHER FORECASTFriday, Jan. 22:Mostly cloudy today with a chance of snow in the afternoon. High of 27°. Wind chill values as low as 5°.

Friday Night:Mostly cloudy tonight with a chance of snow. Low of 13°. Wind chill values as low as 0°.

Saturday, Jan. 23Mostly cloudy in the morn-ing...then becoming partly sunny today with a chance of snow. High of 25°.Wind chill values as low as 0°.

Saturday Night:Partly cloudy tonight with a low of 10°.Wind chill values as low as 0°.

Sunday, Jan.24:Partly sunny today with wind chill values as low as 0° in the morning.

Sunday Night:Mostlycloudy tonight with a low of 19°.

Monday,Jan. 25:Cloudy today with a chance of snow showers. High of 34°.

Monday Night:Cloudytonight with a bit of rain, some freezing in the evening fol-lowed by a couple of fl urries later. Low of 23°.

CHECK OUT OUR PHOTO

GALLERY

WHEN YOU VISIT

THE BRADFORD JOURNAL

ON THE WEB!

Chess Club News - End Of Sixth Round At the end of the sixth round in the chess league held at School Street Elementary, Edmond Chevrolet/Ed Shults Toyota is in clear fi rst place followed by the Phar-macy at Union Square in second. In the junior varsity division, Dexter’s Service Center continued to lead the JV section with a 2-point advantage; Lang Surveying is in second, and the Williams Agency has dropped to third place after losing to Lang Surveying. In the JV section, Cadence Panol (cap-tain of Dexter’s Service Center) is in fi rst place, and Andy Mangold (captain for Beefeaters’ Restaurant) has advanced to second place. Alexander Panol (captain of the Bradford Health Center) is just half a point behind in third. Gabe Wyant (mem-ber of Lang Surveying) defeated Sean Luce of the Williams Agency to take over the top spot as board two scorer. Maxi-milian Panol (member of Burns & Burns team) is only half a point behind in sec-ond, and Luce was bumped back to third place. After round six, there are no longer any perfect scores in either the JV or varsity. Tied for fi rst in the varsity section are Mike Jones (captain for Dr. Gonzalez) and Greg Henry (captain for Edmond Chevrolet/Ed Shults Toyota). Other top players in the league competition are Josh Cramer com-peting for the Pharmacy at Union Square, and Chris Bishop, who is teammate for Edmond Chevrolet/Ed Shults Toyota. If you would like to join the chess club or would like additional information about the Bradford Chess League, visit http://bradfordchess.weebly.com/ or email [email protected].

Varsity DivisionTeam ScoreEdmond Chevrolet/Ed Shults Toyota 9.0The Pharmacy at Union Square 8.5Dr. Gonzalez 7.0

E & M Engineers & Surveyors 7.0Prestige: Awards & Engraving 6.0Little Caesars 5.5Hamlin Bank 4.5

Junior Varsity DivisionTeam ScoreDexter’s Service Center 18.0Lang Surveying 16.0Williams Agency 15.0Beefeaters’ Restaurant 14.0Bradford Health Center 14.0Wood Chiropractic 12.5Tasta Pizza 11.5Burns & Burns 11.0Bradford Window Co. 9.5Prestige: Watch & Jewelry 9.5 For those interested,the following is the team win/loss record for round six.

Varsity

Team Result Team ResultHamlin W Edmond LPharmacy L Dr. Gonzalez WE & M D Prestige D

Junior Varsity

Team Result Team ResultDexter’s D Health Center DBeefeaters’ W Window Co. LPrestige L Wood WTasta L Burns WWilliams L Lang WW = WinL = LossD = Draw or Tie

Photo by Mary DePalmaPlaying only for benefi ts, the area’s well-known Mike Miller and Kira Leck entertain the crowds from the side stage during the VetJam event held January 16th at the Brad-ford Vets Club Event’s Center. They were enjoying their part in helping to fund the Pennsylvania Veterans’ Foundation to which all proceeds from the day’s activity were earmarked.

Mike Miller And Kira Leck Donate Their Time


www.bradfordjournal.com Bradford Journal & Miner Thursday, January 21, 2016

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

Guest Columnist

“State of the Union Address 2016” -by Bob Perry

The State of the Union Address (SOTU) by President Barack Hussein Obama last week was scheduled to be his last but I believe he does not want to leave the cushy perks afforded the President. As this year plays out we cold ex-pect to see an unraveling of Secretary Hillary Clinton and, as a fallout, Obama could fi nd himself implicated in numer-ous misdeeds including involvement in the Benghazi issue. In the Address, Obama attempted to take a parade lap claiming credit for the good things that have happened and blaming the Republicans for the rest. Taking credit for the Affordable Care Act (ACA) he boasted that 9 mil-lion have signed up for healthcare or Medicaid are but a fact check shows 6 million of those who signed up already had coverage. Let us not forget that the ACA was not created and passed un-constitutionally! Then there is the kill-ing of Osama bin Laden of which he takes credit for but in reality all he did was give the OK. Surely not a hero for that action relaxing in a comfortable arm chair. In speaking about the economy, he took a boasting stance that the econo-my was “strong” based on the unem-ployment rate being cut in half and 14 million jobs have been added to the workforce. As we know, the unemploy-ment rate has always been question-able as it uses the Current Population Survey to get the rate, not actual statis-tics from the states. I do believe it is a bit higher but the level is more refl ec-tive of the number of unemployed who stopped looking for work. The sad fact in employment, it is at 62.6 which is the lowest since October 1977 and Obama avoided that reference. Also note that the GDP for the US has been under 3% for 7 consecutive years and not a point to bring up! Under Obama, the econo-my has performed worse than average for GDP growth, job creation, median income and debt. As for the debt, clos-ing in on 20 trillion dollars; will be an increase of 10 trillion under this admin-istration. Another point not to bring up! To his credit, Obama indicated we should “make our politics refl ect what’s best in us, and not what’s worst”. If he has given his best he surely was not deserving of being president. Clearly anyone who requires ‘on the job train-ing’, as Obama made us suffer through,

is not ethically fi t to seek to become president; as Governor John Kasich in-dicated recently. Obama did mention ISIS and chal-lenged Congress to take a vote but his sympathies to any actions relating to Is-lam have stopped him from taking ac-tion he already has authority to take. Then there is Guantanamo Bay. Obama is frustrated in his attempts in closing it since he has been blocked by ‘statutory restrictions’ established by Congress on funds to close Guantan-amo or transfer prisoners to American soil. Look for a unilateral action as his only option and surely a dangerous one. In conclusion, the content of the Ad-dress was mostly hollow and not the anticipated true ‘State of the Union‘.

The VFW Post #212 VetJam held at the Bradford Vets Club Event Center, Jan-uary 16th was a great success. Over 400 people attended throughout the day, both to see and hear fi fteen bands and acoustic acts, and take part in the fund raising for the Pennsylvania Veterans’ Foundation. While we were not able to photograph all the entertainment, contributing to the show were Maria Gow, Terry Bellamy, Jus’ 4 Now, Dave Morris, Marshmel-low Overcoat, No Name Duo, Goodbye Dawn, Mollie Hollebeke, Darkwater Duo, Kira & Mike, Vapor, Acoustic Brew Crew, Counterfeit, Megan Prosser, and Dog Day. Nineteen photos from the event are included on the pages of this issue, oth-ers can be found in the photo gallery. In addition, we took a few videos of Marsh-mellow Overcoat’s Anthony Cavallaro on the drums that can be found in the photo gallery associated with this issue……..A quick annual reorganization meeting of the First Night Bradford (FNB) com-mittee was held, January 13th at the Bradford Area Chamber of Commerce Offi ce, where offi cers were selected by consensus and team heads were reestab-lished to begin preparation for First Night Bradford 2017. In addition, a new R&D team was added to the existing organiza-tion for the purpose of collecting and ana-lyzing data and gathering public opinion that might be useful in making next year’s event even more successful. While two more people have volunteered to be on the committee, all those who wish to contrib-ute, their ideas, suggestions, knowledge, and expertise are welcome……..When will U.S. involvement in Iraq end? After over twelve (12) years of fi rst, destabi-lization, and then outright destruction, the process is still going on there. Maybe it’s just a rumor or disinformation, but it has been reported that a U.S. led coalition has now destroyed the entire Iraqi city of Ramadi: infrastructure, roadways, build-ings, everything, the former home to over 500,000 people- and all in the name of destroying IS (whatever that now means) and protecting the citizens whose homes were destroyed. This insanity of: “We will save you from all threats to our way of life (which of course all people desire), even if it kills you,” should be considered un-acceptable. Does anyone remember that it all started when we went to war with Iraq, ostensibly to destroy Saddam Hussein’s weapons of mass destruction, regardless of the cost to the Iraqi people in terms of life, property and culture? Young people today, here in the U.S. often use the ex-pressions, “nobody likes you,” and “you have no friends.” What are the young peo-ple in the Middle East, damaged by this continued violence from the west, think-ing about us today!

Bradford Journal PhotoMariah Gow 15, a student at Bradford Area High School sang the National An-them during opening ceremonies for this year’s VetJam event held at the Bradford Vets Club Event’s Center, January 16th. She tells us that she is happy that her un-cle Mark Ervin gave her the opportunity to exercise her vocal cords, and do her part to help veterans. (See more pictures in the photo gallery.)

Opening The VetJam



BRADFORD AREA BUSINESS DIRECTORY

USPS-062-740Postmaster: Send address changes to:Bradford JournalP.O. Box 17Bradford, PA 16701-0017Phone:814-465-3468

SubscriptionIn Advance(By U.S. Mail)Yearly/$55.00Within CountyYearly/$70.00Outside County

Periodicalspostage paid at USPS Bradford, PA 16701-9998Copy Deadline: Noon Saturday

OBITUARIES

Published every Thursday at 69 Garlock Hollow. Bradford, PA 16701, Except for the third Thursday in the month of June.

Internet Color Version - $15.00 yearlyEmail Color Version - $26.00 yearly

Grant Nichols,PublisherDebi Nichols,EditorDon Poleteo,Military CorrespondantBob Perry,Political Columnist

75 Forman Street Bradford, PA

New! Sliders

5 Varieties $ 1 49 each

Fred Matvias Fred Matvias, 91, of South Avenue, for-merly of Sheffi eld and Rome, N.Y., passed away (Jan. 8, 2016) at St Mary’s Asbury Ridge in Erie. Born May 5, 1924, in Ludlow, he was the son of the late Michael and Anna Kowal Matwijec. On May 4, 1946, in St. Bernard Church, before the Rev. Joseph Shakely, pastor of St. Michael’s Byzantine Rite, he mar-ried Mary Hvizdzak Matvias, who died on June 21, 1992. Mr. Matvias was a 1942 graduate of Rome Free Academy in Rome, N.Y. He served in the U.S. Army Air Force in World War II. He was a member of the 15th Bomb Group, which was part of the U.S. Army Air Force during the war. He was stationed in North Africa and later in Italy. He was a fl ight engineer and a top turret gunner on a B-17 Flying Fortress. He fl ew 52 combat missions over Europe. He had been employed in the Research Lab at Kendall Refi ning for 42 years, re-tiring in 1988. He was a member of St. Bernard Church and a former member of St. Michael’s Byzantine Rite in Sheffi eld. He was a member 99th Bomb Group Historical As-sociation, the American Legion, AARP, former member and secretary of the An-thonian Men’s Club in Lewis Run, and former vice president of the Church Coun-cil of St. Michael’s. Surviving are three children, two daugh-ters, Andrea (Terry) Hartlieb of Fort Col-lins, Colo., and Joanne (Dr. John) Edmunds of Lenoir, N.C.; one son, Dr. Fredrick

M.(Mary) Matvias of Troy, Mich.; one brother, Myron Matwijec of Lakeland, Fla.; six grandchildren; 10 great-grand-children; and several nieces and nephews. He was preceded in death by his parents; wife; one daughter, Mary Ann Matvias in 1954; three sisters, Mary Zuk, Anastasia Swistak and Veronica Witt; and two broth-ers, Walter and Paul Matwijec. Burial was in St. Bernard Cemetery.

Carl Lindahl Carl H. Lindahl, 95, of Pleasant Street, Bradford, passed away Saturday (Jan. 9, 2016) at the Bradford E c u m e n i c a l Home, surrounded by his loving family. Born June 15, 1920, in Bradford, he was the son of the late Henry and Esther Johansson Lindahl. On Nov. 10, 1945, in Farmers Valley at the Evangelical Unit-ed Brethren Church, he married Betty L. Bruner Lindahl, who died on Feb. 1, 2008. Carl was a 1938 graduate of Bradford High School. On Oct. 22, 1941, Carl was inducted to serve in the U.S. Army. He served his country for four years. He spent 20 months as a cannoneer on the 105 Howitzer, in Normandy, Northern France, Rhineland, and Central Europe. He was awarded Four Bronze Stars, and was honorably dis-charged on Oct. 9, 1945. Carl was a member of the Asbury Unit-ed Methodist Church, National Rifl e As-sociation (NRA), McKean County Rifl e Club, Greater Bradford Senior Center, and 40 Coachmen Club. He volunteered for the Penn-Brad Oil Museum. He was formerly employed at Jobbitt-

Chapman Motors, Smith-Newton Oil Co., Potter County Enterprise, and he retired 1985 from McCourt Label after 26 years of service. Surviving are two sons, the Rev. Ron-ald (Rev. Marge) Lindahl of Bradford and Kevin (Molly) Lindahl of Bradford; two grandchildren, Leslie (Tim) McMeans of Elizabeth and the Rev. Craig (Cyndy) Lindahl of Rural Valley; four great-grand-children, Madison, Johnathan, Emma, and James; and several nieces and nephews. He was preceded in death by his par-ents; wife; and two sisters, Helen Lindahl and Dorothy Johnson. Burial was in McKean Memorial Park, Lafayette.

Sarah Blaisdell Dorn Sarah Blaisdell Dorn, 88, of 138 Ken-nedy St., Bradford, passed away Sun-day (Jan. 10, 2016) at Bradford Regional Medical Center. Born Nov. 22, 1927, in Buffalo, she was a daughter of the late George G. and Miriam (Barcroft) Blaisdell. On April 23, 1981, in the Episcopal Church of The As-cension in Bradford, she married Richard B. Dorn, who survives. She was a 1945 graduate of Bradford High School. She received her bachelor of arts degree from Connecticut College, and later graduated from the Katherine Gibbs Business Academy in New York City. Dorn was actively involved with Zippo operations beginning in the early 1950s. Sheand her sister, Harriett B. Wick, assumed ownership after the death of their father in 1978. Dorn served as vice president and treasurer on the board of directors of Zippo Manufacturing Co. until her retire-ment. She maintained a seat on the board of directors at the time of her death. Dorn was a member of the board of di-rectors for many charitable organizations,

(Continued on page 6)

Shurfine Quality Products

407 E. Water StreetSmethport, PA

Phone: 814-887-5721www.costassupermarket.com

Now Open! Located at:

Bailey Drive & Rte 219 in Limestone, NY Ph: 716-301-0477

Tasta Pizza Express

www.tastapizza.net

Bringing Back Old Hometown Recipes

S am’s PLACE

Broasted Chicken Texas Hots

Daily Specials DINE IN - TAKE OUT

HOURS: TUES - SAT 11 AM - 8 PM

89 Main St., Bradford, PA

Ph: (814) 362-2200

www.costassupermarket.com

www.tastapizza.net

https://www.facebook.com/BradfordTastaPizza/?fref=ts


BUSINESS & PERSONAL FINANCES

Take A Close Look At Social Security In 2016 by - Nathaniel Sillin

If you’re not close to retirement age, it’s easy to ignore what Social Security is doing. However, some signifi cant an-nouncements late last year make now a very good time to pay attention. What follows is a summary of no-table changes to Social Security at the start of 2016 and ways to ensure you’re making the right retirement planning and claiming (http://www.consumer-finance.gov/retirement/before-you-claim/) decisions based on what’s ahead: 1. 2016 Social Security payments won’t increase. In late October, Social Security (https://www.ssa.gov/myac-count/) announced that there wasn’t enough infl ation in 2015 to create a cost-of-living adjustment (COLA) to monthly benefi ts this year. Understand-ably, this announcement shook up re-cipients who look to Social Security for a signifi cant part of their monthly in-come. It’s only the third time payments were frozen in the past 40 years since automatic COLA adjustments began, but here’s the rub – all three occasions occurred after 2010. In short, most sen-iors will have to live with an average monthly payment of $1,341 with mar-ried benefi ciaries receiving a total of $2,212. 2. Married and divorced individuals may have to rethink the way they claim benefi ts. Also last October, Washington settled a federal budget battle in part by closing some notable loopholes in So-cial Security law that allowed certain married couples to substantially in-crease their benefi ts over time and cer-tain divorced individuals to claim ben-efi ts from former spouses under certain circumstances. These new restrictions on so-called fi le-and-suspend and re-stricted-claim strategies go into effect this coming May. In short, if you’re close to age 62 (the earliest age you can start claiming Social Security benefi ts) getting qualifi ed advice has never been more important. 3. Other COLA-related issues. When there’s no cost-of-living adjust-ment, there’s no change in the maxi-mum amount of earnings subject to the Social Security tax, which will stay at $118,500 in 2016. This means earnings above that level aren’t subject to the Social Security portion of the payroll tax or used to calculate retirement pay-outs. At the same time, the Social Secu-rity earnings limit for people who work and claim Social Security payments will stay at $15,720 in 2016 for people ages 65 and younger. Social Security

benefi ciaries who earn more than this amount will have $1 in benefi ts tempo-rarily withheld for every $2 in earnings above the limit. 4. Some benefi ts are going down – a little. The highest possible Social Secu-rity payment for a 66-year-old worker who signs up for Social Security this year will be $2,639 per month, down $24 from $2,663 in 2015. The reason? Social Security noted that despite no cost-of-living adjustment there was an increase in the national average wage index, one of the statistical guideposts the agency uses to calculate benefi ts. 5. Service changes. If you haven’t created a My Social Security account, do so for two reasons: First, there have been reports of ID theft related to thieves attempting fraudulent signups for such accounts. Second, the agency is making more detailed account data available online such as estimates of monthly payments at various claiming ages. Also, Social Security expanded offi ce hours in some of its fi eld loca-tions in 2015, so if you need face-to-face assistance, check hours of opera-tion at your closest local offi ce (https://secure.ssa.gov/ICON/main.jsp). Bottom line: Social Security froze benefi t amounts for the coming year, and that has an impact on both current and future recipients. You can’t fully understand your retirement without un-derstanding how Social Security works, so now’s the time to learn.

Bradford Journal PhotoThese young people were listening to the Dave Morris Acoustic act and generally enjoying themselves at the VetJam Event, January 16th. Dylan Rimer who works for Case Cutlery and Alyssa Holsinger, stu-dent at Pitt (Environmental Studies) by name, were excited about the prospect of hearing 14 musical performances at the full day’s venue, at the Bradford Vets Club Event’s Center. (See more pictures in the photo gallery.)

Enjoying The Venue


www.Parts-R-Us.com


DAUGHTER, Jan 13, 2016, to Jessica Stull and Andrew Brown, Bradford, PA.SON, Jan 14, 2016, to Casselyn Morales and Matthew Kervin, Bradford, PA.

BIRTHS

TOPS CLUBS NEWS BRADFORD #1704 NEWS

- Article Submitted The members of T.O.P.S. #1704 met Thursday evening, January 14th, with 9 members weighing in with a loss of 7.6 pounds. Marie Mott was the weekly best loser, Dee Rhodes was the loser in wait-ing. The offi cer of the week was co-leader Denise Thrush. No soda for the week and members are to try snap peas. The weekly program was on “Support”. The T.O.P.S. way. Share your truth, Understand others, Participate every week, Pose ques-tions, Offer encouragement, Reach out To-gether we can Take Off Pounds Sensibly.

AREA SOCIAL NEWS

Bradford Post 108

22 Pine St. Bradford 1-814-368-8251

Friday, January 22nd Dinner Special:

Stuffed Pork Chops

Open To Members & Guests

Friday Night Fish Fry $ 9 00

OBITUARIES(Continued from page 4)

which supported many health, welfare, social and leisure programs in and around Bradford. She was especially proud to serve on the board of directors of the Philo and Sarah Blaisdell Foundation, which her father established in December 1950. In 1980 through the Blaisdell Founda-tion, Dorn and Wick established the Miri-am Barcroft Blaisdell Scholarship, which supports scholarships for 65 students an-nually. In 1993, Dorn received the Presi-dential Medal of Distinction from the Uni-versity of Pittsburgh at Bradford for her long-time support of the university. Her memberships included the Pennhills Club and The Bradford Club. Surviving, in addition to her husband Richard, are one son, George B. (Rita Walters) Duke Sr.; and one sister, Harriett Blaisdell Wick, all of Bradford; two grand-children, Grant B. (Shane Baker) Duke and Sarah Duke; two stepgrandchildren, Kara Close and Beau Close; one neph-ew, D. Blaise (Ann Anderson) Wick; one niece, Barbara Wick (Richard) Kearney; four stepchildren, Missy (John) Warner, Terry Dorn, Mac (Lauri) Dorn and Bruce (Carol) Dorn; six stepgrandchildren and three stepgreat-grandchildren. She was preceded in death by her par-ents; her fi rst husband, Paul C. Duke Jr.; her second husband, Thomas Blauser; one son, Paul C. Duke III, who died Sept. 28, 2005; one grandson, George B. Duke Jr., who died Nov. 13, 2015; one nephew, Mi-chael Quinn Wick, who died Oct. 16, 2005; and a brother-in-law, Robert H. Wick.

A memorial service was held at The Episcopal Church of the Ascension with the Rev. Stacey Fussell, rector of The Episcopal Church of Ascension, and the Rev. W. LeRoy Beckes, retired Presbyte-rian minister, co-offi ciating. Burial was in Willow Dale Cemetery. Funeral arrangements were under the di-rection of the Hollenbeck-Cahill Funeral Homes Inc. Memorials, if desired, may be made to a charity of the donor’s choice. Online condolences may be made at www.hollen-beckcahill.com

Cathy Mott Cathy Shinners Mott, 54, of Bradford, Pa., formerly of Hanover, Pa., died Tues-day morning (Jan. 12, 2016) shortly after being admitted to the Bradford Regional Medical Center in Bradford. Born Sept. 28, 1961, in Salamanca, she was the daughter of Joyce Metzler Shin-ners of Salamanca, and the late Donald Shinners. Surviving besides her mother are a daughter, Marie Mott; a son, Shawn Mott; a grandson Dyvonté Mott, all of Bradford; four brothers, Donald (Barbara) Shin-ners of Las Cruces, N.M., David (Nancy) Shinners of Little Valley, Daniel (Linda) Shinners of New Oxford, Pa., and William Shinners of Salamanca; and several nieces and nephews. She was predeceased by a brother, Pat-rick Shinners.

Valerian Sicheri Valerian L. “Val” Sicheri, 97, of 173 Summer St., Bradford, passed away Tues-day (Jan. 12, 2016) at the Pavilion at Brad-ford Regional Medical Center surrounded by his loving family. Born Dec. 2, 1918, in Kersey, he was a

(Continued on page 10)

Attention: No Bradford Journal

Issue will be published

for the week of

January 28, 2016

Bradford Journal PhotoKevin Dougherty and his wife Kaija, from Frewsburg, pose for a photo during Vet-Jam event, January 16th at the Bradford Vets Club Event’s Center. For the moment they were listening to the Jus’ For Now band. Later in the day Kevin, a member of the Good Bye Dawn band would be per-forming onstage. (See more pictures in the photo gallery.)

Frewsburg Couple



Come To Us For Whatever You Need......

We Want Your Business!

Bradford Fairway Sales & Leasing

472 E. Main St., Bradford, PA

814-368-7166www.afairwayfordlm.com

402 East Main St.814-368-6252

“The Friendly Fun Place”

www.togissubstation.com

Shurfine Quality Products407 E. Water St., Smethport, PA

Phone: 814-887-5721www.costassupermarket.com

DIGITAL PRINTING



Tasta Pizza Express

www.tastapizza.net

Parts, Sales, and Service: Powersports

Marine Small Engine

Hours: M - F 10-6 Sat 10- 3

66 Minard Run Road, Suite 1, Bradford, PA 16701 Shop Phone: 814-368-8495 Cell: 814-331-8495

Email: [email protected]

AMERICAN LEGION

Newly Improved Hall For Rent

CALL 814-368-8251 22 Pine Street Bradford

Post 108

KENNEDY STREET CAFE

Call Us For Catering: 814-362-6040

11 Kennedy Street- Ph 362-6040

Come and Catch the Come and Catch the Morning Buzz Morning Buzz

Here! Here! FREE Coffee with “Big Breakfast”


New! Sliders


Bringing Back Old Hometown Recipes

S am’s PLACE

Broasted Chicken Texas Hots

Daily Specials DINE IN - TAKE OUT

HOURS: TUES - SAT 11 AM - 8 PM

89 Main St., Bradford, PA

Ph: (814) 362-2200

PLACE YOUR AD HERE!

CALL:814-465-3468 TODAY!

Bradford Vets’ Club 94 Barbour St., Bradford, PA

Phone: 368-3011

Spend Some Time With Us And Bring A Friend!

Events Center

Bottorf Embroidery & Screen Printing

217 W. Washington St., Bradford, PA

Phone:814-362-0536

www.bottorfembroidery.com

Personalize Your Clothing! Team Clothing:

Tees - Sweats - Caps

Special Event Tees Business Caps & Hoodies

We Also Carry Big &

Tall!

Like Us On Facebook

mailto:[email protected]




https://www.facebook.com/Bottorf-Embroidery-132866286794177/?fref=ts

www.Parts-R-Us.com

www.afairwayfordlm.com

www.costassupermarket.com

www.togissubstation.com

https://www.facebook.com/Togis-Substation-288502816732/?fref=ts&ref=br_tf

www.tastapizza.net



ON THE HEALTHY SIDE

(NAPSI)—Whether the weather is as bad as some have predicted or merely chilling, it’s a good idea to know how to protect your skin from its effects. Here are fi ve hints to help: 1. Drink (water) to your health. Even in cold weather, it’s wise to stay hydrat-ed to moisturize your skin from the in-side out. 2. Fight frostbite. Make sure your fi ngers and toes are well covered. 3. Don’t shun the sunscreen. Even when it’s cold or cloudy out, UV rays can still be a danger. Wear sunscreen every day. 4. Humor your skin with humidity. Spending time in artifi cially heated in-door air can dry skin. Consider using a humidifi er. 5. Treat your hands and feet to a good moisturizer. People who work or play outdoors and frequent hand washers—including health care workers, chefs, laborers, offi ce professionals, garden-ers, athletes, teachers and others—can now get two highly effective moistur-izers in an easy-to-use tube that’s also a great size for anyone on the go. Called O’Keeffe’s Working Hands and O’Keeffe’s Healthy Feet, they were created by a pharmacist. Their un-scented, nongreasy formulas naturally hydrate the skin, helping it retain mois-ture. You can get guaranteed relief for dry hands and feet that crack and split, even if nothing else works. Key ingredients include: • Water—Dehydrated skin cells lack elasticity, making skin feel dry and rig-id. The products replace the water that skin cells lose daily. • Glycerin—To accelerate the hy-dration process, this humectant—at a higher level than in traditional lotions and creams—is used to draw moisture into the skin and slow excessive drying and evaporation.

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

American Institute for Cancer Research Q: Is bison a healthier choice than beef? A:Bison is a trendy option, both for its perceived heath benefi ts and, for some people, the sweet, rich fl avor. The meat is promoted as containing less fat than beef, but that depends upon cut, grade and trimming. Bison is also more expen-sive than beef, so it’s worth a closer look at the health claims. Comparing similar cuts, bison comes out slightly leaner. According to USDA nu-tritional analysis, a three-ounce cooked portion (the size of a deck of cards) of bi-son ribeye contains 150 calories and 2 grams of saturated fat. Beef ribeye graded “choice” (with more marbling throughout the meat) contains 177 calories and 3 grams of saturated fat. But a leaner option, beef ribeye graded “select,” is similar to bison, in calories and saturated fat. Lean cuts like this from either source are good choices to help you limit saturated fat for heart health. Bison meat tends to have less fat marbled through the meat, so for higher fat cuts you may be able to trim off some fat. For bison burgers, USDA fi gures for a three-ounce portion range from ap-proximately 150 to 200 calories, depending on the amount of fat. Ground beef burgers are often higher in fat, but with comparable percent fat choices, calories and fat are similar. Some consider bison a healthier choice because it is grass-fed and raised without hormones, though some are now fed grain for the fi nal few months. The health impact of these differences isn’t yet known, though it is clear that the increase in omega-3 fat of grass-fed bison or cows is small.We don’t have research from population studies looking at whether long-term consumption of bison is any different in risk of colorectal cancer than other red meats. Based on its nutritional composition, it would make sense to keep its use within the recommended limit for total red meat of 18 ounces per week.

• Paraffi n—Helps maintain the mois-ture in the skin, delivered by water and glycerin, slowing the evaporation rate. Because these products are highly concentrated, a little goes a long way. You simply apply a small dab as need-ed throughout the day, after bathing and

Five Hot Tips For Cold Weather Care

hand washing and at night. Learn More: For further facts, visit www.OKeeffesCompany.com where you can also fi nd out about the “Hard-working Hands” Mobile Tour of Amer-ica, or call (800) 275-2718.

Bradford Journal PhotoJust before the opening ceremony for this year’s VetJam event, the McGarry family gets set to enjoy a full day of music performed by seven bands and as many acoustic acts. Left to right are Brooke Everson, P.J. McGarry, Lori Everson, Beth Pierson, Jim McGarry, and John O. Jacks. No doubt, part of their excitement at this year’s event was that P.J. McGarry’s son Dave, who has been picked up by a national band, would be on stage later in the day. Proceeds from this event that took place at the Bradford Vets Club Event’s Center, January 16th, have been pledged to the Pennsylvania Veterans’ Foundation. (See more pictures in the photo gallery.)

Excited About A Full Day Of Music & More



Marshmellow Overcoat In Action On Stage

Bradford Journal PhotoLes Van Gorder and his wife Tracey are pictured during the early hours of Vet-Jam, January 16th at the Bradford Vets Club Event’s Center. It was Tracey’s 50th birthday and they were feeling good, cel-ebrating at the event. The Jus’ 4 Now im-promptu band was on stage and the place was beginning to rock. (See more pictures in the photo gallery.)

Celebrating At VetJam

Bradford Journal PhotoBassist Jason Wood; drummer Anthony Cavallaro; and bandleader Tyler Calkins took the stage during the Marshmellow Overcoat performance, January 16th during the Bradford Vets Event’s Center Vet Jam. As usual, their original compositions and good old-fashioned rock kept the crowds in motion and excitement high. Proceeds from this benefi t event were earmarked for the Pennsylvania Veteran’s Foundation. (See more pictures in the photo gallery.)



www.afairwayfordlm.com


OBITUARIES(Continued from page 6)

son of the late Nerino and Celestina DePraSicheri. On Jan. 7, 1942, he married June Elizabeth Cordner, who died on Sept. 29, 1992. Mr. Sicheri was a 1937 graduate of Brad-ford Area High School. He established a record, locally, in never having been late or absent from class during his 12 years of school. He began his working career with Tuna Manufacturing and joined the Carpenters union in 1938, Local 947. On July 26, 1941 he enlisted in the United States Army. During World War II he served with the 176th Field Artillery Battalion in Northern France, Ardennes, Rhineland, and Central Europe. He was honorably discharged on Oct. 24, 1945. Val returned to Bradford and continued working as a carpenter with Gigliotti Builders. Val had been a member of St. Bernard Church. Surviving is one daughter, Cheryl (Don-ald) Wiley of East Fallowfi eld; three grandchildren, Michelle Bailiff, Jason Wiley and Matt Sicheri; one great-grand-daughter, Grace Elizabeth Bailiff; and several nieces and nephews. Val was preceded in death by his parents, his wife June, his sons Tommy Sicheri and Richard Sicheri, his sisters Rosella Colo-simo, Adele Briggs and Anna Kelly; and one brother Delmar “Bud” Sicheri. Private services were held for family members at the Hollenbeck- Cahill Fu-neral Homes Inc. Burial was in St. Ber-nard Cemetery. Memorials if desired may be made to CARE for Children, 723 East Main St., Bradford, PA 16701. Online condolences may be made at www.hollen-beckcahill.com

Bradford Post 108

22 Pine St. Bradford 1-814-368-8251

Friday, January 22nd Dinner Special:

Stuffed Pork Chops

Open To Members & Guests

Friday Night Fish Fry $ 9 00

Photo by Mary DePalmaWith WBRR 100.1 FM the Hero rock ra-dio station as Co-Sponsor for the Bradford VFW’s VetJam, January 16th, it was not surprising to see this guy, Casey Smith (one of the station’s main voices) serving as MC for some of the event. In addition, Casey gave his all to the crowd from the main stage as a drummer for a band listed as Counterfeit. (See more pictures in the photo gallery.)

Hero’s Casey Smith

Bradford Journal PhotoLiz Abbott at the left, and her sister Jan Burns at the right, stopped at the Bradford Vets Club Event’s Center, January 16th for a full day of VetJamming. Jan tells us that her son was a navy veteran, her grand-daughter is presently an Army MP in Col-orado, and that her brother fought in Viet-nam as a paratrooper. (See more pictures in the photo gallery.)

Supporting The Vets

Bradford Journal PhotoDave Morris was happy to give his time for this years VetJam event held January 16th at the Bradford Vets Club Event’s Center. His acoustic renditions of Rock and Country occupied the crowds during band set-up times. He gave more than one performance during the event. (See more pictures in the photo gallery.)

On The Side Stage

Bradford Journal PhotoKathy Belleville at the left and Kate Kloss at the right worked the reception desk dur-ing the all day and evening VetJam Event (from 1PM-10PM) held at the Bradford Vet’s Club Event’s Center, January 16th. Here they give us a smile during the 4:00 PM performance of Marshmellow Over-coat. They are members of the VFW La-dies Auxiliary and were happy to help out during the benefi t event where proceeds were earmarked for the Pennsylvania Vet-eran’s Foundation. (See more pictures in the photo gallery.)

Work All Day Event






Resolve To Shop Local This Year!Check Out These Cool Winter Deals

Listed Below:

Timeless Treasures

��

Check Facebook For BIG Savings!

Girl’s Night Out!

Stop In For Hidden Treasures!

Thursday, Jan. 28th 4 - 7 p.m.

Huge Discounts!


Phone: 368-3011


Events Center

Floral Expressions by Pam Artistic Designs For Every Occasion

443 East Main St. - Bfd, PA

Ph: 814-368-3778 0r 800-665-1594

Graduations - Anniversaries

B i r t h d a y s

W e d d i n g s

Dance Recitals - Date Night Funerals - Get Well

Dexter’s Service & Collision

•Inspections

•Front End Alignments

•Collision Work

156 W. Wash. St. Bradford Phone 814-362-3888

30 Yrs Experience



Phone:814-362-0536





We Also Carry Big &

Tall!

Like Us On Facebook



https://www.facebook.com/timeless.treasures.52/?fref=ts


WORD SEEK(Crossword Solution on page 14)

JUST PASSING TIME

THEME:

“OUTER SPACE”

ACROSS

1. Visual representation6. Part of tennis match9. Hindu dress13. Japanese-American14. Anger management issue15. Strong and sharp16. Relating to Eastern Catholic churches17. Group of whales18. Innocent19. *____ line between atmosphere and outer space21. *Houston’s infamous ____23. “Mele Kalikimaka” wreath24. *Galilean moons, the ____ largest moons of Jupiter25. Fertility clinic stock28. Something inadmissi-ble, to a baby30. Less taxing35. Fabled fl iers37. Praise39. Buddy40. Angler’s hope41. Muhammad’s teaching43. Capital on the Dnie-per

12. Something previously mentioned15. Arctic-wear20. Garlic mayo22. French street24. Snafus25. *Space path26. Bridal veil fabric27. ____ ____ a play29. *Famous space acro-nym31. Punjabi believer32. “Kick the bucket,” e.g.33. Organ swelling34. *Mars exploration ve-hicle36. *Only one was in John Glenn’s Friendship 738. *Brent Spiner in “Star Trek”42. Coffee shop order45. USDA designation49. Hot springs resort51. Country singer Tanya54. Open a beer bottle56. Cunning57. Piggy’s title58. On a cruise59. Cats and dogs?60. *Beverage associated with early astronauts61. Measure of electric potential62. Beehive State63. Online ____ tag66. Be in the red68. Cotillion ball’s main attraction

44. Hipbone-related46. Aries or Taurus, e.g.47. *E.T. “phoned” it48. One in ten, pl.50. Iran Nuclear Deal, e.g.52. Spanish “sea”53. “Moonlight Sonata,” e.g.55. Embrace57. *Matt Damon in 2015 fi lm61. *Outer space, mostly64. *____ Asimov65. Bird word67. Flew a kite69. Œle de la CitÈ river70. Hole punching tool71. Fill with optimism72. What choir did73. Brian Griffi n on “Fam-ily Guy,” e.g.74. User’s treatment

DOWN

1. African grazer2. Triple toe loop location3. “Heat of the Moment” band4. Black ____ in “Pi-rates of the Caribbean”5. Paid killers6. Sagittarius, e.g.7. Time period8. Dancer’s beat9. Union foe10. Seed cover11. Gauche or Droite, in Paris


THAT’S ENTERTAINMENT!

Solution on page 14

NEW DVD RELEASESJAN. 19:Straight OuttaCompton

RThe Intern

PG-13Everest ; 3D Blu-ray/DVDPG-13Condemned 2RJem and the Holograms Blu-ray/DVDPGWoodlawn Blu-ray/DVDPGThe Diary of a Teenage Girl DVDRIndigenousNot Rated12 Monkeys: Season OneTV-PG

Lawless RangeNot RatedLearning to DriveRMercury PlainsR StonewallNot RatedWreckerNot RatedCruelNot RatedDead EndNot RatedHow We Got Awaywith ItNot RatedSambaRJAN. 19:Goosebumps Includes Digital Copy;



Tasta Pizza Express

www.tastapizza.net

3D Blu-ray/DVDNot RatedBurnt Includes DigitalCopy; UltraVioletNot RatedBrilliant Young MindPG-13Sherlock: The Abominable BrideTV-14Da Vinci’s Demons:Season 3TV-MADownton Abbey:Season 6

Not RatedHit ListNot RatedLegend of WascoNot RatedTown InsideNot Rated2 Dead 2 KillNot RatedThe Games MakerNot RatedGraceNot RatedRobo-DogNot RatedRodeo GirlNot Rated


New! Sliders


KENNEDY STREET CAFE

Call Us For Catering: 814-362-6040

11 Kennedy Street- Ph 362-6040

Come and Catch the Come and Catch the Morning Buzz Morning Buzz

Here! Here! FREE Coffee with “Big Breakfast”

www.tastapizza.net



CROSSWORD SOLUTION

SUDOKU SOLUTION Timeless Treasures

��


Girl’s Night Out!



Huge Discounts!


Phone: 368-3011


Events Center Bottorf Embroidery & Screen Printing


Phone:814-362-0536





We Also Carry Big &

Tall!

Like Us On Facebook



Ph: 814-368-3778 0r 800-665-1594


B i r t h d a y s

W e d d i n g s


Photo by Mary DePalmaMollie Hollebeke of Bradford, and her friend Jordan Janowiak from Michigan en-tertained on the side stage during the VetJam held at the Bradford Vet Club Event’s Center, January 16th. They tell us they were happy to have been asked to participate and are excited to be a part of the benefi t proceeds from which are earmarked for the Pennsylvania Veterans’ Foundation. (See more pictures in the photo gallery.)

Mollie And Jordon Entertained From Side Stage

Photo by Mary DePalmaAt the Pennsylvania Veterans’ Foundation benefi t, January 16th, Mark Ervin poses with his daughter, Layne Ervin 8, during the VetJam event held at Bradford Vets Club Event’s Center. Mark has helped organize this event for the last six years. (See more pictures in the photo gallery.)

Mark & Layne Ervin







FAMILY FEATURES

When game day arrives andfriends and family are gatheredaround the big screen to cheeryour team to victory, the only

thing missing is some great grub to makethe celebration complete.

Putting together an all-star spread isactually easier than you may think. Simplerecipes featuring high-quality ingredientsmake it possible to serve up big flavorwithout a lot of fuss. Follow these tips toscore a game day menu that will let yourguests enjoy themselves to the fullest.

Create a DIY pizza station.

Prepare dough ahead of time or purchaseindividual serving size crusts and inviteguests to make their own personal pizzas.Provide an array of fresh veggies, meats and herbs for endless combinations. Don’tforget plenty of quality cheese, and for aspecial twist, add some unexpected flavors,such as Jarlsberg Brand Cheese. Best knownas a classic wedge, this nutty, mild cheese is also wonderful shredded for a uniquelydelicious pizza flavor. Get guests startedwith this Sausage, Mushroom and HerbPizza and then invite them to get creative on their own.

Top it off right.

No game day party is complete withoutchips and dip. Take your nachos to anotherlevel with premium toppings such theseBarbecue Chicken Nachos. Other upgradedtopping options: grilled steak or chicken,grilled corn and onions, a variety offlavorful cheeses, homemade guacamole,diced fresh veggies, seasoned olives andspices, such as Cajun or Caribbean jerk.

Bring the heat.

Spice things up with peppers as an addedingredient to other treats like pizza andnachos, or make the pepper the star, as withthese Jalapeno Poppers, which blend theheat of a whole jalapeno balanced by thedistinctive flavors of goat, Jarlsberg andParmesan cheeses.

Find more game day recipes at jarlsberg.com.

Finger foods make it easy foryour fellow fans to quicklygrab a snack between playsand save the serious grub for a longer break in the action.Tide them over until halftimewith these bite-site appetiz ers.For a little extra fun, use tooth -picks bearing the mascot orsigna ture color of your fav -orite team.

Jarlsberg Cheesesalami green grape toothpick

Cut cheese and salami intobite-size cubes. Thread ingre -dients on toothpicks, varyingthe order and mixing andmatching ingredients fordifferent flavor combinations.

Cheese andMushroom Pizza

Makes: 1 pizza

1 premade pizza dough (14-16 ounces)

5 tablespoons tomato sauce

2 diced Roma tomatoes

8 ounces shredded Jarlsberg Cheese

2 ounces grated Parmesan cheese

8-10 sliced mushrooms2 teaspoons oregano

arugula (optional)

Heat oven to 425 F.Follow premade pizza

dough instructions on package. Spread thin layer of tomato

sauce and fresh tomatoes onuncooked pizza dough, sprin -kle with cheeses, top withmushrooms and finish withoregano.

Bake pizza in oven for 15-20 minutes, or until goldenbrown. Garnish with arugula,if desired.

PICK A PARTY BITE

Barbecue ChickenNachos

Makes: 1 large serving

1 rotisserie chicken1 cup barbecue

saucenacho chips

1 cup shredded Jarlsberg Cheese

1/4 cup chopped green onion

sour cream (optional)

Heat oven to 350 F.Pull white meat off

rotis serie chicken andplace in mixing bowl. Add barbecue sauce topulled chicken and gentlymix together.

Scatter nacho chips onoven-safe dish and placepulled chicken on top.Shred cheese with graterand coat top of chicken.Place in oven for approx -imately 10 minutes. Sprin -kle green onion on top andserve with sour cream, ifdesired.

Jalapeno Poppers

Makes: 16

16 whole jalapeno peppers, rinsed and drained

2 logs (4 ounces each) fresh goat cheese

1 cup shredded Jarlsberg Cheese

1/4 cup grated Parmesan cheese

1/4 cup diced green onion (scallions)

dash of hot saucecilantro leavesmini hot red

peppers (optional)

Using small sharp knife, cut slitdown one side of each pepper.Leave stem intact and removeseeds and veins.

In bowl, mash all cheeses, onionand hot sauce. Divide among pep -pers, stuffing each generously.Refrigerate. (Note: Recipe can be made ahead to this point.)

Arrange peppers in heavyaluminum foil packet. Grill 8-10minutes, or until cheese begins tomelt. Garnish with cilantro and, ifdesired, hot red peppers.


FAMILY FEATURES

Moms pride themselves on serving their families wholesome, homemade meals. But here’s the reality: 60 percent of moms think that coming up with dinner ideas is more difficult than getting their children to go to bed on time. Moreover, 61 percent of moms frequently order takeout or go out to eat becausethey don’t have the ingredients on-hand to make dinner. It’s time for a new strategy.

When it comes to mealtime, a well-stocked pantry can be the difference between culinary success and a dinnerfailure. With a pantry full of canned foods, a delicious and nutritious homemade meal is just minutes away.

It’s no secret that canned foods are convenient, but did you know that cans are also one of the best ways to get foodfrom the farm to your family’s table? Canned fruits and vegetables are picked and packed when they’re at their peakof ripeness and nutrition, sealing in their freshness and flavor. Just like home canning, the canning process locks infoods’ natural goodness so it’s at arm’s reach whenever you’re ready to get cooking.

A pantry stocked with canned ingredients is also a source of recipe inspiration. Staples such as canned chicken,corn, green chilies, olives, beans and tomatoes atop lettuce combine to create a wholesome Chicken Burrito Salad thewhole family will enjoy. And in less than 30 minutes, a box of fettuccine and a can of spinach transform into a heartyPasta with Spinach Pesto.

For more information, recipe inspiration and the benefits of canned foods, visit CansGetYouCooking.com.

Chicken Burrito SaladPrep time: 15 minutesServes: 6

Salad:1 small head romaine

lettuce, torn into small pieces

1 cup cooked brown rice1 can (15 ounces) black

beans, drained and rinsed

1 can (14 ounces) diced tomatoes

1 can (10 ounces) chicken breast chunks, drained and flaked

1 can (10 ounces) corn kernels, drained

1 can (4.25 ounces) diced green chilies, drained

1 can (2.2 ounces) sliced ripe black olives, drained

Dressing:2 tablespoons

fresh-squeezed lime juice

1 tablespoon fresh chopped cilantro

3 tablespoons extra-virgin olive oil

salt and ground black pepper, to taste

Salad: In large platter or individualbowls, place lettuce leaves. Topwith brown rice, black beans, dicedtomatoes, chicken, corn, greenchilies and black olives.

Dressing: In small bowl, combinelime juice and cilantro; whisk inolive oil. Add salt and pepper, totaste. Drizzle dressing over salad.

Chicken Burrito Salad

Pasta with Spinach Pesto

Curried Pumpkin Soup

Southern Style Succotash with Sweet Corn Sauce

Easy Weeknight Seafood Paella

Pasta with Spinach PestoPrep time: 10 minutesCook time: 15 minutesServes: 4

1 can (13.5 ounces) spinach, well drained

1 cup fresh parsley leaves1/2 cup grated Parmesan cheese1/2 cup walnuts or almonds

1 large garlic clove1 teaspoon dried basil

1/4 teaspoon salt1/8 teaspoon ground black pepper1/2 cup extra-virgin olive oil

1 box (16 ounces) fettuccine noodles

In food processor, combine spinach, parsley, cheese, nuts, garlic, basil, salt and pepper; blend well. In slow,steady stream, add olive oil until mixture is blended and smooth.

Cook fettuccine as package directs. Drain. Toss spinach pesto with fettuccine.

Southern Style Succotash with Sweet Corn SaucePrep time: 15 minutesCook time: 20 minutesServes: 4

4 ounces olive oil1 can (14.5 ounces) sweet corn kernels, drained1 can (15.5 ounces) butter beans1 can (15 ounces) sweet peas

1/2 cup sliced canned carrots, drained and diced1/4 cup canned diced tomatoes

8 sprigs fresh thyme1 fresh bay leaf

salt and pepper, to taste

Add olive oil to large skillet and quickly saute allingredients with salt and pepper until heated through, about 5 minutes. Serve on top of Sweet Corn Sauce.

Sweet Corn Sauce6 ounces canned corn, excess liquid strained off3 ounces champagne or dry white wine4 tablespoons butter

salt pepperthyme sprigs

In blender, puree corn and champagne until very smooth.Strain through fine strainer and place strained corn juice insmall saucepan. Heat until simmering and slowly add coldbutter, salt, pepper and fresh thyme.

Curried Pumpkin SoupPrep time: 5 minutesCook time: 25 minutesServes: 4

2 tablespoons butter1 medium onion, chopped1 large carrot, peeled and chopped2 cloves garlic, minced2 teaspoons fresh ginger, minced

1 1/2 teaspoons curry powder1 can (14 ounces) chicken or vegetable broth2 cans (15 ounces) 100% pumpkin1 can (14 ounces) coconut milk1 teaspoon salt

pumpkin seeds

In large saucepan, melt butter over medium heat. Addonion, carrot, garlic, ginger and curry powder. Cookuntil carrots are almost soft, 5-8 minutes, stirringoccasionally.

Add broth and bring to boil over high heat. Reduceheat to medium-low; cover and simmer until carrotsare very soft, 10 minutes.

Transfer to blender or food processor and pureeuntil very smooth. Return to pan and stir in pumpkin,coconut milk and salt. Cook over medium-low heatuntil heated through, 2-3 minutes.

Garnish with pumpkin seeds, if desired, and serve.

Easy Weeknight Seafood PaellaPrep time: 5 minutesCook time: 25 minutesServes: 4

1 tablespoon olive oil1 medium yellow onion, diced1 small green bell pepper, cored, seeded

and diced2 large garlic cloves, minced1 box (8 ounces) yellow rice1 can (14 ounces) vegetable broth1 can (14 ounces) diced tomatoes1 can (10 ounces) whole baby clams, drained1 cam (8.5 ounces) peas, drained1 can (6 ounces) medium shrimp, drained1 can (3.8 ounces) sliced ripe olives, drained

In 2-quart saucepan over medium heat, heat oil; addonion, green pepper and garlic. Cook 5 minutes, stirringoccasionally.

Add rice and vegetable broth. Over high heat,bring to boil. Reduce heat to low; cover and simmer20 minutes.

Stir in tomatoes, clams, peas, shrimp and olives;cook 5 minutes.


CHRONOLOGICAL LISTINGSEngagements, Marriages, Births & Deaths

ENGAGEMENTS:(None)

MARRIAGES:(None)

BIRTHS:

JAN. 9, 2016:DAUGHTER, to Loraine Fahnestock, Portville, NY.JAN. 11, 2016:SON, to Jacqueline and David Fischer, Olean, NY.DAUGHTER, to Kristina and Doug-las Taylor, Smeth-port, PA.SON, to Valerie Wagner and Ian Compton, Mount Jewett, PA.JAN. 13, 2016:DAUGHTER, to Jessica Stull and An-drew Brown, Brad-ford, PA.JAN. 14, 2016:SON, to Destinee Gardner, Olean, NY.SON, to Casselyn Morales and Mat-thew Kervin, Brad-ford, PA.DEATHS:DEC. 30, 2015:SMITH, Ruth Aliene Crawford, 90, of the Ohio Masonic Home, Springfi eld, OH, formerly of Bradford, PA.DEC. 31, 2015:BULIK, Kenneth J., 63, of Locust Grove, Spotsylvania, VA.JAN. 7, 2016:EDWARDS, David M., 69, of Whites-ville, NY.JAN. 8, 2016:MATVIAS, Fred, 91, of South Ave., Brad-ford, PA, formerly of Sheffi eld, PA and Rome, NY.MAYS, John W. Jr., 89, of 214 South Edgar St., Kane, PA.S M I T H W Y C K , Carol Tracy, 74, of Manhattan, NY, for-merly of Bradford, PA.PANTUSO, Helen M., 85, of Bradford, PA.JAN. 9, 2016:LINDAHL, Carl H., 95, of Pleasant St., Bradford, PA.RAMSEY, John A.

“JR”, 88, of the Guy & Mary Felt Manor, Emporium, PA.WHEELOCK, Don-ald LeRoy, 90, of Townville, PA, a na-tive of Bradford, PA.JAN. 10, 2016:KELLEY, Ruby J., 82, of Bradford, PA.DORN, Sarah Blais-dell, 88, of 138 Ken-nedy St., Bradford, PA.SCOTT, Shirley L., 67, of Austin, PA.COOPER, Robert A., 86, Brookridge, Brooksville, FL.JAN. 11,2016:JOHNSON, Antoi-nette S. “Peg”, 70, of Park Ave., Eldred, PA.PONTZER, Marga-ret H., 88, formerly of South St. Marys, St., and Treasure Lake, St. Marys, PA.GABLE, Edward J., 93, of Coudersport, PA.JAN. 12, 2016:CORNELIUS, Patri-cia B. “Patty”, 83, of 1141 Summit Rd., Rew, PA.MOTT, Cathy Shin-ners, 54, of Brad-ford, PA, formerly of Hanover, PA.SICHERI, Valerian L. “Val”, 97, of 173 Summer St., Brad-ford, PA.PETERSON, Ermel-inda “Linda”, 89, of 130 Greeves St., Kane, PA.ALLEN, Bruce W., 68, of Shinglehouse, PA, formerly of Hamilton, OH.McELROY, Jean B., 86, of Smethport, PA.JAN. 13, 2016:JENKINS, Sherry, L., 68, of 640 N. Tion-esta Ave, Kane, PA.DIXON, George E., 90, of 283 Tannery Heights, Emporium, PA.JAN. 14, 2016:CUMMINGS, Rob-ert M. “Bob”, 66, of Shinglehouse, PA.JAN. 15, 2016:COWBURN, Jon R., 70, of Ulysses, PA.GOULD, James N., 77, of 253 Congress St., Bradford, PA.


Marine Small Engine

Hours: M - F 10-6 Sat 10- 3



Bradford Journal PhotoOne-half of the Two Guys Drinking Beer band, Terry Bellamy of Olean performed his solo acoustic act, during this year’s VetJam event, the proceeds of which were pledged to the Pennsylvania Veterans’ Foundation. The band and acoustic act jam was held at the Bradford Vets Club Event’s Center, January 16th. (See more pictures in the photo gallery.)

Terry Bellamy Performs

Photo by Mary DePalmaRetired Staff Sergeant, John Miller, of Duke Center, a 12-year veteran of the U.S. Army poses with his “Mobility Service Dog,” Socom (a Cane Corso) during the VetJam, January 16th. The dog helps John get around, after he suffered serious head and back wounds in Iraq in 2006. The benefi t was held at the Bradford Vets Club Event’s Center with proceeds earmarked for the Pennsylvania Veterans’ Founda-tion. (See more pictures in the photo gal-lery.)

John Miller With Socom





YOUR WEEKLY HOROSCOPE JANUARY 21 - JANUARY 27, 2016

ARIES - (Mar. 21 - Apr. 19)Don’t become despondent that you are at such an early stage with something. Instead, welcome this week’s Eureka Moment.TAURUS - (Apr. 20 - May 20)It is time to take the fi rst courageous step towards the fulfi llment of a dream.GEMINI - (May 21 - June 20)Reassessment done now promises to be helpful, valuable, enlightening and reassuring.CANCER- (June 21 - July 22)It’s important to accept it’s time to let go of an old expectations. LEO - (July 23, - Aug. 22)he sky implies you’re right to not lazily take someone’s word that a situation ‘is what it is’. .VIRGO - (Aug. 23 - Sept. 22)A more sensitive approach to a situation is bound to be more benefi cial. LIBRA - (Sept. 23 - Oct. 22)By all means, be realistic and confi dent - but not too confi dent!SCORPIO - (Oct. 23 - Nov. 21)All that’s needed this week is honesty and enthusiasm to bring a much-needed change.SAGITTARIUS - (Nov. 22 - Dec. 20)Coming developments will ensure your focus is given to what truly deserves it.CAPRICORN - (Dec. 21 - Jan. 20)If something appears too good to be true this week, then chances are, it is.AQUARIUS - (Jan. 21 - Feb. 19)Allow yourself to be inspired again by what someone else has achieved. If you mirror their belief and actions, then it stands to reason you too can achieve something spectacular. PISCES - (Feb. 20 - Mar. 20)Look out for this week’s opportunity to regain focus on what never really left the realms of your mind and heart.

UGI Urges Residents to Remain Vigilant Regarding Carbon Monoxide (Reading, PA)– As colder weather blankets the region and residents turn up their thermostats, UGI urges cus-tomers to be aware of the dangers of carbon monoxide (CO) and to take steps to avoid a build-up of CO inside their homes and work spaces. UGI recommends residents follow these basic steps: • Ensure that natural gas applianc-es are properly maintained. A malfunc-tioning furnace, boiler, water heater or stove can emit CO into a home. In ad-dition, restricted or damaged ventila-tion or exhaust equipment, including a blocked chimney, can produce high levels of CO. • Make sure smoke and carbon monoxide detectors are installed inside the home or workspace, are working properly, and have fresh batteries. CO detectors/alarms should be located on each fl oor of a home, especially near every separate sleeping area. Be aware that CO detectors have a limited oper-ating life. Check the manufacturer’s instructions for related information and replacement considerations. • Check to make sure that both in-ternal and external vents are free from

obstructions such as clothing and fur-niture inside; and dirt, snow or ice out-side. • Ensure that equipment rooms or utility spaces are properly sized and provide appropriate levels of ventila-tion and air circulation around heating equipment and appliances to ensure safe operation. Enclosing furnaces and water heaters in small rooms during re-modeling or renovation can reduce air fl ow and create a potentially unsafe sit-uation. UGI also urges residents to be aware of the signs of CO in their homes. Car-bon monoxide is a colorless, odorless, poisonous gas that is a by-product of the improper combustion of fuels such as wood, charcoal, gasoline, kerosene, oil, natural gas and propane. Symptoms of CO poisoning include headache, fa-tigue, shortness of breath, nausea and dizziness. Physical signs within a home that an appliance may be malfunction-ing and producing CO include: • Condensation on walls and win-dows • House plants dying • House pets becoming sluggish • Chronic odors from a malfunc-

tioning appliance • Residents in the home suffering fl u-like symptoms or feeling unusually tired. CO poisoning can be fatal. Individu-als who think they might be experienc-ing symptoms of CO poisoning should immediately seek fresh air and prompt medical attention. To prevent CO poisoning residents should: • If heating equipment stops work-ing or if you lose electric power, never use an oven, grill or other fossil-fuel burning device inside your home to provide heat. • Use extra caution when using space heaters. Never place them on top of furniture, near water, or near anything that may catch fi re, such as drapes, bedding, etc. • Black stains on the outside of chimneys or fl ues could mean fuel burning appliances are not working properly and that pollutants are leaking into the home. Contact a qualifi ed con-tractor to check both the appliances and the chimney or fl ue to ensure their safe operation. • Change or clean furnace fi lters regularly. UGI Utilities has headquarters in Reading, Pennsylvania and serves more than 670,000 customers in 45 Pennsyl-vania counties and one county in Mary-land.

Photo by Mary DePalmaThe Darkwater Duo, Dave McGarry at the left, and Rick Griesbaum at the right performed from the main stage at the Bradford Vet’s Club Event’s Center, Janu-ary 16th during the VetJam benefi t event. They said they’d like to thank everyone for coming out for a great cause and that Bradford needed more of this type of spectacular event. Proceeds from the ben-efi t are earmarked for the Pennsylvania Veterans’ Foundation.

Darkwater Duo Band



JOURNAL CLASSIFIED ADSJOURNAL CLASSIFIED ADS

CARS &TRUCKS:

2003 Ford F250, 4X4, std. trans., plow. 362-3283

2007 Dodge Cal-aber S.U.V. R/T, all wheel drive, new inspection $5,750.00

1998 Dodge Tr. 4X4, extended cab, new inspec-tion, new tires, power all angle plow $4,950.00814-596-8010

APARTMENTS FOR RENT:

(2) 1BR apts in Smethport, new-ly remodeled off street pkg, 598-7442

1 & 2 BR availstarting at $600/mo. All utilities Incl. Secure Build-ing, Laundry facili-ties, 362-2374

1BR avail. imme-diately $425/mo. No pets 716-378-2407

Available immedi-ately! 2BR in Lew-is Run area. Laun-dry facilities and off street pkg. Util. incl. $650/mo + Sec. No pets. Nonsmoker preferred.598-5756 or 598-8474

Brand new fullyfurnished effi -ciency w/ deck & proch swing.$500/mo + util.Serious inq. only.8 E. Washington St.Upper - Rear.558-3838

Spacious 2BR, 2ndfl oor balcony,laundry available.

All util. incl. No smoking/ pets. Sec. Dep. req. $725/mo. 368-4550 or598-4150

HOMES FOR RENT:

205 Constitution Ave., $800/mo.12 Rochester St.,$550/mo. No pets, incl. city util.368-2229

2BR, 2BA, Smeth-port. Garage, newly remodeled. $800/mo + util.814-887-9335

3 Bed, garage, $795 + utilities, NO smoke/pets. 814-368-8309

3BR, 1BA, garage,clean, near Hos-pital. $650/mo + Sec. 362-1449

HOMES FOR SALE:

2BR, 1BA near BRMC. Complete-ly renovated in 2014. New roof,central AC, hard-wood and ceramic tile throughout. $119,900. Possi-ble rent to own $1,000/mo.814-596-2354

MISCELLANEOUS;

Power Lift Re-

Bradford Coin Shop

15 Chestnut Street, Bradford, PA 814-362-1980 or 814-331-5235

Deal With An Established Shop Established 31 Years

• Can Make Housecalls • FREE Verbal Appraisals

Also Coin Supplies Available Here!

Come To Us For Gift Items All Year Long!

We Have Over 1,000 DVD Movies In Stock Buying Case Knives!

Paying 10x Face for: Dimes - Quarters - Halves (Average condition or better)

$1.50 ea. for 40% Silver Halves 1965-70 (Average condition or better)

$15.00 ea. (or more) for Fine or Better condition 1878-1935 Silver Dollars

Also buying Sterling Silver And

10K - 14K - 18K Gold at good rates.

Subscribe to our Email

version of the Bradford Journal

Full-Color Paper

Only $26/yr.

No sign-insJust open

your email!

Call814-465-3468to order today!

CHECK OUT OUR PHOTO

GALLERY

WHEN YOU VISIT

THE BRADFORD JOURNAL

ON THE WEB!

cliner. Like new, $350.00 814-362-6275

HELP WANTED/DRIVERS:

Drivers: CDL-A 1yr. Guaranteed

Home TimeExcellent Pay

Package.Monthly Bonus Program. 100%

No-Touch.BCBS/Dental/

Vision. Plenty of miles

877-704-3773 J - 1/7-14/16

AMERICAN LEGION

Newly Improved Hall For Rent

CALL 814-368-8251 22 Pine Street Bradford

Post 108


Marine Small Engine

Hours: M - F 10-6 Sat 10- 3




•Inspections


•Collision Work


30 Yrs Experience





Tasta Pizza Express

www.tastapizza.net

75 Forman St Bradford, PA 362-4902 Hours:

10 a.m. - 10 p.m. Mon. - Sat.

10 a.m. - 9 p.m. Sundays

We’re the Healthy Alternative!

We’re also on the ATA Route!

New!

Sliders - 5 Varieties $ 1 49 each

SENIOR INFORMATION PAGEGood Joints Seen As Key Link In Healthy Aging (NAPSI)—Exercise has been identi-fi ed as a key component of aging grace-fully, and has been linked with not only improved physical health but also bet-ter cognitive performance. The mainte-nance of fully functioning joints is an important part of enabling active sen-iors to participate in health-promoting athletic activity, experts agree. Seniors today are working longer, traveling more and anticipate remaining active longer into life than their prede-cessors did. With more than 14 percent of the U.S. population at least 65 years old, it’s no surprise that a Google search on “healthy aging” yields more than 18 million results. The National Institutes

of Health, a national body that funds re-search and sets policy, has this to say about exercise for older people: “Being physically active can also help you stay strong and fi t enough to keep doing the things you like to do as you get older. Making exercise and physical activity a regular part of your life can improve your health and help you maintain your independence as you age.” Losing the ability to exercise can have grave consequences, the NIH warns. “Lack of physical activity also can lead to more visits to the doctor, more hospitalizations, and more use of medicines for a variety of illnesses,” the NIH said. Exercise can prevent or delay dis-ease, help to manage stress and improve mood, and can help support a healthy and intellectually vibrant old age. Re-cent research from Finland involving more than 5,000 subjects suggests that participating in leisure time physical activity earlier in life promotes mobil-ity in old age. Another smaller-scale study suggests that resistance training, which would naturally tend to place more stress on the joints, helps support healthy cognition among older adults better than do more gentle activities. Given that today’s seniors are stay-ing active longer, and understand very well that mobility is linked to retaining independence, it’s not a surprise that joint health is consistently one of the top selling categories of dietary supple-ments, with glucosamine and chondroi-tin combinations leading the pack. Glucosamine, an amino acid that the body produces naturally, is part of the process to form and repair car-tilage. It is thought that consuming glucosamine, which is usually made from shrimp shells, may increase new cartilage formation by providing the necessary building blocks. The usual dose is 1,000 mg each day for one to two months. Studies on the effective-ness of glucosamine are inconclusive at this point. The science on chondroitin is more encouraging, however, if it is taken in the right amounts.

Chondroitin, a nutrient extracted from cow, pork or bird cartilage, is one of the main substances responsible for cartilage resiliency, and also plays a major role in blocking the reactions that break down cartilage over time. In January 2015, the Cochrane Collabora-tion Review on “Chondroitin for Os-teoarthritis” reviewed 43 randomized controlled trials involving over 9,000 people. It found that chondroitin, alone or in combination with glucosamine, was better than placebo in improving pain in participants with osteoarthritis and “there was statistically signifi cant less reduction in minimal joint space width with chondroitin compared to placebo groups.” Other large-scale studies have also had fairly positive re-sults. Not all supplements are created equal, however. The Food and Drug Ad-ministration regulates dietary supple-ments according to safety, and removes potentially harmful products from the market. But the FDA does not assess the health benefi ts of supplements as it does for drugs, making it incumbent on consumers to educate themselves on dosage levels and ingredient quality is-sues to fi nd supplements that give the best results. With chondroitin supplements, for example, the benefi t appears to be linked to dose and ingredient quality. Dr. Nicola Volpi of University of Mod-ena, Italy noted that chondroitin quality affects therapeutic utility. Results may vary according to the grade of chon-droitin used as well as serving size; underdosing is thought to negatively affect outcomes. Most clinical studies that support chondroitin effi cacy used daily serving sizes ranging between 800mg and 1,200mg. Jana Hildreth, a noted expert on chondroitin purity and director of sci-entifi c affairs for Synutra Pure, Ltd., said “chondroitin is an expensive in-gredient, so some companies add less to reduce cost. It’s important to take that into account when shopping for a chondroitin supplement.” Synutra Pure offers tips for selecting quality supple-ments at www.synutrapure.com. Chondroitin is widely prescribed as a slow-acting drug to treat osteoarthri-tis in European Union countries. For these products, the purity level is set at 95 percent and the dosage is usually pegged at 1,000mg. In the U.S. market, where chondroitin is sold as a dietary supplement, USP, a national certifying body, has set the purity standard at 90 percent.

www.tastapizza.net



Resolve To Shop Local This Year!Check Out These Cool Winter Deals

Listed Below:

Timeless Treasures

��


Girl’s Night Out!



Huge Discounts!


Phone: 368-3011


Events Center



Ph: 814-368-3778 0r 800-665-1594


B i r t h d a y s

W e d d i n g s



•Inspections


•Collision Work


30 Yrs Experience



Phone:814-362-0536





We Also Carry Big &

Tall!

Like Us On Facebook





Find Comfort in Every SituationSnuggle up in softness whether you’re on the move or just relax -ing with this Xersion Long Sleeve Cowlneck Hooded FleecePullover. Perfect for those trips to the gym or a jog around theblock or neighborhood, the anti-pilling finish helps keep fleecesmooth and comfortable, and thumbholes help keep the sleeves in place while you’re on the go. Available for $30 in three colors,the pullover also features a kangaroo pocket to warm your handsand protect your belongings.

Photo courtesy of Getty Images

Pick Portable Training ToolsBuilt for durability and comfort, this Stamina Doorway Trainer Plusis the ultimate training tool to strengthen and develop your shoulders,back and arms with five grip positions to help you build and toneupper body muscles with pull-ups, triceps dips, push-ups and sit-ups.The trainer, which retails for $85 and holds up to 250 pounds, fitsmost sturdy, standard doorways with trim and attaches and removeseasily from the doorframe so you can take your workout with you.

FAMILY FEATURES

Living a healthy lifestyle doesn’t have to be a daunting

task. There are many products available to help make the

process easier. There is no time like the present to make

your body a priority and it’s no secret that good health can have

an undeniably positive impact on quality of life.

Whether you are looking for the perfect workout outfit,

accessories or equipment, or revamping your kitchen appliances

to accommodate a new diet, JCPenney has everything you need

to refresh your diet and exercise regimen no matter your budget.

Find more products like these to aid you in your quest to live

a healthier lifestyle at JCPenney and jcpenney.com.

Say Goodbye to Calorie CountingSay goodbye to exercise journals and calorie counting with the iFitVue Fitness Tracker. The rechargeable active band is an all-day fit -ness tracker that takes the stress out of keeping up with your goalswhile motivating your climb toward fitness. Retail ing for $140, the SmartSense technology automatically detects every movement,step and calorie burned. An easy-to-read touchscreen display withonscreen notifications allows you to track your progress and easilyscroll through goals and activities.

Keep Your Mind and Body FocusedA favorite of yoga studio owners because of its length and thick -ness, this Deluxe Yoga Mat features a gripping design to keep itin place while allowing you to keep your mind focused on thephysical task at hand. Available in 18 colors and retailing for $24,the durable, one-quarter-inch foam provides added joint comfortand support and absorbs moisture, making it easy for you to takeadvantage of the physical benefits associated with yoga.

Add Personality to Your WorkoutsAn allover print adds a pop of personality to workout wear, suchas these performance-ready Xersion Print Capris. The tight com -pression fit provides added comfort during workouts while Quick-Dri moisture-wicking fabric helps keep you dry and won’t irritateyour skin. Retailing for $44, the capris come in five vibrant colorpatterns and feature a credit card pocket in the waistband so youcan easily take everything you need with you.

Don’t Forget About Your FeetWhether running errands or working out at the gym, the rightshoe can make all the difference. The Nike Flex Experience Run 4 Women’s Running Shoe offers lightweight flexibility, mid-footsupport and plush comfort that can help make even the mostmundane of tasks less stressful on your feet. Flex grooves pro -vide a smooth, efficient ride and a mesh collar and tongueenhance breathability. Available for $75, these running shoes are the ideal trainer for everyday use.

Unlock Hidden Nutrition in FoodNow you can have the power to unlock food’s hidden nutri-tion in the comfort of your own home. The NutriBullet Blender,which retails for $135, is ideal for milling grains, grinding fresh herbs and chopping nuts with a flat stainless steel blade that never needs sharpening. Complete with a power base, both tall and short cups, an extractor blade and pocket nutri -tionist, the blender makes it easy to keep your healthy eatinggoals on track.


Photo courtesy of Getty Images

FAMILY FEATURES

If you happen to find yourself in a tight spot, borrowing moneycan help set you back on the right path. However, doing sowithout a full understanding of the facts can hinder your finances in the future.

“When faced with a financial emergency, most people don’t thinkthrough how borrowing money might affect them down the line,” saidSusie Irvine, president and CEO, American Financial Services Asso -ciation Education Foundation. “With so many options available, it’srelatively easy to get a loan, but the impact on your credit and what it actually costs you over time can vary a great deal.”

The two most common types of small-dollar borrowing are tradi -tional installment loans and payday loans. Knowing the ins and outsof each type of loan and how they work can help you make the bestdecision for your financial situation.

Traditional installment loans are one of the oldest formsof finance transactions and provide credit to individuals andfamilies who need access to credit to meet an immediate need,such as vehicle repairs, household appliances or medical expenses.Averaging around $1,500, traditional installment loans are “plainvanilla” loans with transparent, easy-to-understand repaymentterms, due dates and payment amounts – which usually average$120 per month over a term of about 15 months. With regular,manageable payments of principal and interest, the borrower hasa clear roadmap out of debt. Best of all, traditional installmentlenders report payment activity to credit bureaus, improv ing aborrower’s credit score when payments are made on time.

Payday loans are repaid in a single balloon payment at theend of the loan period. This payment is usually due in less than30 days and frequently the term is as short as 14 days. Paydaylenders do not assess ability to repay, relying instead on a post -dated check or similar access to a borrower’s bank account asassurance the loan will be repaid. If a borrower cannot afford to repay a payday loan in full when it comes due, they are leftwith no option but to refinance the entire balance of the initialloan. Although payday loans may appear to provide a quick and easy solution, this single, lump-sum payment can lead tosignificant problems for the borrower. Payday lenders have also been sanctioned in many states, and at the federal level, for abusive practices.

To learn more about affordable credit options that are available tohelp you better manage your money, visit installmentloanswork.com.

Loan LanguageWhen you take out a loan, it’s impor-tant to understand the complete cost ofrepaying the amount you’ve borrowed.It’s a good idea to compare offers frommultiple creditors and understandingthese terms will help you calculate thereal cost of borrowing to get the bestdeal. Here is a list of common loan termsfrom the American Financial ServicesAssociation Education Foundation:

� Amount Financed: The total dollaramount of the credit that is provided to you.

� Annual Percentage Rate or “APR”:A measure of the cost of creditexpressed as a yearly rate.

� Credit Insurance: Optional insurancethat is designed to repay the debt if theborrower dies or becomes disabled.

� Finance Charge: The dollar amountyou pay to use credit.

� Fixed Rate Financing: The interestrate and the payment remains the same over the life of the loan. Equalmonthly payments of principal andinterest are made until the debt is paid in full.

� Length of Payment: The total numberof months you have to pay the creditobligation.

� Late Payment Fee: A fee that ischarged when payment is made afterits due date.

� Monthly Payment Amount: Thedollar amount due each month to repaythe credit agreement

Is an Installment Loan Right for You?When deciding whether to obtain a loan, consider the benefits and responsibilities.According to the American Financial Services Association Education Foundation, an installment loan:

� Obligates future income. You’ll be required to set aside a certain amount of futureincome for loan payments.

� Requires discipline. Borrowing wisely means not borrowing more than you can handle.Don’t let the thrill of buying obligate you to more than you can afford.

� Makes it possible to meet unexpected expenses. The ability to borrow and makeaffordable payments can be helpful if an emergency arises that requires extra money.

� Allows you to obtain products and services now and pay for them later. A loan canprovide an opportunity to purchase bigger-ticket items and use them right away.

KEYS TO CREDIT SUCCESS

The American Financial Services AssociationEducation Foundation offers this advice to helpensure that your interests are protected when you borrow money:

Budget your money. Provide your monthlyspending plan when you meet with creditors. It will help them make a responsible decisionabout the amount of credit you can afford.

Don’t overextend. Be sure you can pay back theloan. Don’t bite off more than you can chew.

Get personal. If possible, borrow from some -one you actually can see and talk to in person.Get comfortable with the lender, and let thelender get comfortable with you.

Shop. Compare costs. Shop for credit like you would shop for anything else.

Beware of “now or never” offers. If it’s agood deal, it will probably still be there afteryou’ve had time to think about it. Don’t bepressured into making a quick decision.

Ask questions. Don’t sign on the line until allyour questions have been answered.

Read the contract. Don’t sign a contract thatyou don’t understand or has any blanks. Asigned contract with blanks can be completed as anyone wishes and it will be legally binding.

Keep your contract in a safe place. It’s impor -tant to keep all paperwork relating to your creditobligations. If questions come up later, you’llhave your agreement in writing.

Make your payments on time and infull. This is one of the best ways to builda good credit history.

Additional products are not required to get a consumer loan. Optionalproducts that may be offered for pur -chase with your loan include motor club membership, term insurance orwarranties.

bradfordjournalcolorissue1 21 16c

Documents