Bellevue sept 2014

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In Art ark P The rday Satu 13th t Sep

BELLEVUE COMMUNITY NEWS

Jam iso at 7 n Rd Foll pm Art owin In T g he P ark

VOLUME 36 • NUMBER 6

September, 2014 September meSSage From mayor riehl

This is the month summer will come to a close as autumn arrives. Although this summer has been somewhat mild, Mother Nature has blessed us with 90 degree days these past few weeks. Hopefully those cooler fall temperatures will be with us soon. Please remember that school is back in full swing so slow down and watch out for all our children moving to and from school. Once again both Grandview Elementary and Bellevue High School put on great open house events to welcome all the new students and staff to our Bellevue Community. This year’s senior appreciation luncheon was again a huge success. The attendance was very good and everyone had a great time. Thanks to Mary Scott for her efforts putting together this wonderful event. A special thank you goes out to all our local businesses for their generosity in

helping to make this luncheon a success for our seniors. Art in the Park will be taking place this weekend Saturday September 13 at the Bellevue Beach Park. And our final concert in the park will take place later that same day at 7:00pm. So come down to the most amazing park on this side of the river for a full day of family fun in the sun. First Friday Shop Bellevue events are going strong this summer with hot deals all up and down the blocks. Now with fall just around the corner be on the lookout for cool deals this fall. And stop by the newest addition to the Saturday morning line up, our Farmers Market located in the Desmond Brothers Insurance parking lot from 8 to 1. October First Friday shopping theme will be “Return of the Zombies”. This event is always one of the most memorable ones of the year. So

come on down and shop our great independently owned local businesses and keep those dollars here at home. Also coming up in October with be the second year for the Mayesfest Bluegrass Festival at the beach park. Last year’s event was a huge success for its first year and this year’s bonanza of Bluegrass and American music will be held on October 10th and 11th. This event will feature the region’s best musician in the business. So come down to the river bank for 2 days of great music in a great setting. As always if you are planning any fall projects around the house please don’t hesitate to call the city offices at 859-431-8888 and our staff will assist you with permits, inspections, and COA’s that may be needed. Have a great fall and see you at the Football games. Go Tigers !!!

Why DoeS early learning matter?

Bellevue Independent Schools will be hosting another year of the United Way Born Learning Academies Driven by Toyota. There will be a Meet and Greet on Thursday September 18th from 5:30pm-7:00pm where Bel-

art oFF pike

September 28, 2014 7th Street, Covington KY Between Madison and Washington Visit Behringer-Crawford Museum’s Booth at Art off Pike for FREE art activities for children. For more information visit Artoffpike.org. Contact BCM @ www.bcmuseum.org or (859)-491-4003

levue families can come enjoy a free dinner and learn more about the academies. Our first session will be on Thursday September 25th from 5:307:00. Both events will be held in the Early Childhood Center at Grandview Elementary School. Why does early learning matter? Kids who come to school without the cognitive, social-emotional, and physical skills needed to succeed have a harder time learning basics like reading. By the end of third grade, kids who can’t read on grade level are four times as likely to drop out of high school, research says. We all know that what

happens in our children’s lives in the first few years matters. But science says it might be one of the most critical times for a child’s development. Kids who get the right learning opportunities in their early years are more likely to graduate high school, go on to college, stay married and be productive citizens. That’s what United Way Born Learning Academy is all about. Our workshops give families the information and tools to have fun with their children -- while helping their kids get prepared for school. To find out more about the workshops, and other parent resources in Bellevue, call 859-261-5228

Spotlight on norman naSSano

Eunice and Norman Charles Nassano Peter Nassano, grandfa- so long to finish building the ther of Norman Joseph Nas- Marianne was because steel sano and father of Norman was labeled an “essential inCharles Nassano, was born dustry” during the war, therein Italy and immigrated to the fore steel was reserved for the United States in 1888. The war effort. The Marianne was family originally lived in Cin- completed in 1946. Norman cinnati but later moved to a tells the story about a Bellevue business man named Cliff farm in Fort Thomas. In 1927 the family opened Miles who owned The Ava confectionery at 519 Fair- enue Restaurant in the 1930s. field (now the Elusive Cow). Slot machines were in many Norman’s family lived in the places in Bellevue, in the Avthree room apartment behind enue Restaurant and even the the confectionery where he Deluxe Food Market. Rev. was born. The store was lo- Knipping, pastor of St John cated on the street car line in Church used to come over to order to gain customers. In the Market for lunch and play 1929 the depression hit, and the slots. Many grocery stores beno longer were people buying candy and ice cream. It was gan to spring up after the war, hard times for the family so which became competition they switched to selling fruit, for the Deluxe Food Market, vegetables and meat. Even- however they stayed open for tually the family bought 601 50 years and closed in the 90s. Fairfield (now Mackey Ad- Climbing the hill on Covert visors), near the Marianne, Run when it was a toll road and moved the store. Nor- is one of his fond memories. man joined the Army during Norman is the father of 3 boys the Korean War in 1949 and and 2 girls. He and his wife served 2 years at Fort Knox. Eunice currently live here in He came home and worked Bellevue. Norman was a lifein the new store named the long member of St Anthony Deluxe Food Market with Church, and a 1947 graduate his family. Norman remem- of Bellevue High School. Interview and contributed bers when the Marianne was starting to be built in 1943. by Carol J. Rich He stated the reason it took

Bellevue Neighborhood Association will be hosting a Meet the Candidates Forum on October 14 at 7 PM at the Callahan Center. Citizens can post questions on B NA web site. Come out and meet our Candidates.


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CoDe enForCement Corner

by Terry Baute Code Official/Building Inspector Hello residents and friends of Bellevue. It is hard to believe that school is back in session and our summer is almost gone. Fall is probably my favorite time of the year. The leaves begin to turn brilliant colors, fall mums and hopefully cooler temperatures. The month of September is loaded with fun things to do in Bellevue and surrounding areas. This is exactly why I absolutely love this time of

the year. This is a great time of the year to finish up outdoor projects such as painting, yards and other projects we have put off because of the heat. No excuses gang! Let’s all do our part to clean up our city by starting with our own properties. Building permits for August have been steady. The month of August we had 14 permits totaling over $56,050.00 dollars. This is great for property values. Please call if you are in doubt whether you need one or not

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EMAIL: fieldofvue@gmail.com L.LEE FERGUSON

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and I will be glad to assist you with the process. I will even conduct an onsite visit with you to discuss a project. Remember, if you hire a contractor to do the work, always check to see that they have an occupational license, insurance and please get references. Many times people have called and stated they did not get what they paid for. Never/ ever give money up front to a contractor. This remains an issue, but a very important one. I mentioned last month about “Proper identification of buildings and homes”. The International Property Maintenance Code section 304.3 states you are required to properly mark your building/home so it is plainly legible and visible from the street or road fronting the property. These numbers shall be a contrast with their background. Address numbers shall be a minimum of (4) four inches high. This is imperative for police and fire to respond and find your home or place of business quickly during an emergency. Being a former police officer I can speak from first hand experience that valuable time is lost in trying to save a life. I hope the this fall brings you good health, prosperity and fortune.

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SEPTEMBER, 2014

art

in the

On Saturday, September 13 from 11 am to 5 pm the beautiful Bellevue Beach will burst into action with over 80 artisans at the 13th Annual Art in the Park hosted by Bellevue Renaissance. You’ll find a variety of fine art and craft, music, and food for all. It’s a perfect time to purchase items for you or for gifts; directly from the person that created them. This exhibit and sale is also a juried competition with regional art’s personalities judging in the fine art and fine craft categories and attendees vote for the People’s Choice Award. When you need a break, enjoy the gazebo programming with belly dancers from Tallulah’s, The Carter New Band, Chamber Music with Flutes and Cool Hand Ukes.

While we are all busy vacationing and enjoying this mild summer weather, Rick Frank of Psalm 147 Ministries is quietly going about his business preparing for the 2nd Annual Psalm Festival, which will be held on Saturday, September 20 at Gil Lynn Park. This FREE Christian Festival will begin at noon and last until 7:30, while featuring 6 Christian Bands and a Children’s Festival where many churches from Dayton and Bellevue will team up to provide a fun-filled day for ALL KIDS, including games, arts and crafts, face painting, Bouncy Houses, prizes, awards and food….ALL FREE FOR THE KIDS! Rick, who was born, raised and still resides in Dayton, became a very devout Christian years ago. After much prayer and reflection, God placed in his heart a desire to provide something positive in our area for children and adults alike by holding a fun-filled event with the

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When you’re hungry you’ll be able to take a break at the Culinary Arts Café and dine on specialties from Siam Orchid, Schneider’s Sweet Shop, Avenue Brew, Pasquale’s, Elusive Cow, Virgil’s Café, and Buona Vita. While you’re at the gazebo stop by the Silent Auction across the sidewalk. Buy great art donated by generous artisans and benefit the public radio station that rocks: WNKU! If the kids are with you take them to the Art Machine area where they’ll be able to paint a picture and have it matted ready for framing or hanging and other arts and crafts projects. There will even be llamas to see! And there’s more, the final Second Saturday Concert in the Park will follow at 7 pm featuring Jamison Road.

2nD annual pSalm FeStival 2014

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emphasis on children, so he founded Psalm 147 Ministries in 2012. Says Rick, “Our children are special; they are beautiful and important. They have so much to offer the world; so most importantly, we as a community should stand united in our love for them”. To help make this event happen, a sponsorship banner is being offered for $15 and up, where you can have your individual or family name on a banner that will be displayed near the stage. Other donations of cash or supplies can be made through most Dayton churches or you can contact Rick via Facebook or email rfrank1214@yahoo.com.

Bellevue Community News The Bellevue Community News is published once a month by Community Shopper LLC, 464 Kuhrs Lane, Covington, KY 41015-1034. Rate & advertising information may be obtained by calling 859-331-7977, or by E-mail to communityshopper@twc. com Publisher is not liable for contents of any ads or any claims made by advertisers.

Next Issue Oct 15th Deadline Oct 6th Publisher: Mike Pendery


SEPTEMBER, 2014

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bellevue banD trip

Students of Bellevue High School who participate in the Bellevue Band of Gold are working to get to Disney World Orlando. To complete a trip of this magnitude takes raising funds of nearly $30,000. It is the Bellevue Band Boosters hope that all students be afforded the opportunity to share equally in this educational and funfilled experience. The Band Booster organization has committed to working to assist with fundraisers to reach this goal and take this trip in April 2015, but without the assistance of other donations

we are limited due to our small size and small community. The band participation is both a great representation of some of the best academic and well-rounded students in the school, and also some of the most needy students in terms of their socioeconomic backgrounds. Many students have never been beyond the 25 mile radius of Bellevue. For many this trip to Disney represents a childhood trip of a lifetime they might never otherwise get to experience. It is our hope that through this site, those who share a passion to support young

Shop bellevue!

return oF the ZombieS get yer thriller on

FriDay, oCtober 3 - 6 Calling all Zombies! You won’t find any Voodoo, but you’re bound to encounter a few Zombies (in costume) and Brains (come as you are) as the Return of the Zombies hits historic Fairfield Avenue during Shop Bellevue! on October 3 from 6 to 9 pm. Show off your gruesome costumes or wear your street clothes and be a “brain”. Have no

to

9pm

fear you’ll still receive welcome greetings from business owners and visitors along with something extra special – Dancers! Be on the lookout for dancers from Stephens Dance Studio and you may learn a few new dance moves. As part of the magic of the night be sure to shop, dine and enjoy this event hosted by Bellevue Renaissance.

musicians as they attempt to spread the power of music, support this cause. - See more at: http://www.youcaring.com/other/bellevue-bandof-gold-trip-to-play-at-disney-world/198839#sthash. BtFfmtCN.dpuf The Bellevue Band of Gold is proudly inviting each Bellevue resident to attend our 2nd Marching Band Invitational September 20, 2014, at Gilligan Stadium. This is an all -day event – if you can attend come see over ten groups from the state compete! Submitted by Band Booster President Lisa Berkemeier

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FrienDS oF bellevue Donate to holy trinity SChool

L-R—John Adams and Carol J. Rich, Members of the Friends board, Cathi Ege, Chair of the Friends board, Mr. Hubbard, Principal of Holy Trinity. Mr. Hubbard, Principal of Holy Trinity School here in Bellevue accepted a check for $1,500 from the Friends of Bellevue as donation for the school’s technology fund. This was the first Parent Club

meeting for this school year. Congratulations to Holy Trinity School. Contributed by Carol J. Rich

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t c e l E Re

ED RIEHL FOR MAYOR

• 4 Years as Mayor • 17 Years City Council Experience • Board Member Bellevue-Dayton Fire Department • 11 Years on Bellevue Fire Department • Bellevue Planning & Zoning Commission • Member of Divine Mercy Parish • Coached Youth Baseball Bellevue Vets • Volunteer for Many Civic Groups • Coached Youth Basketball • Has Worked Various Fundraising Events

“Your Real Choice For Mayor” Lighthouse Ministries

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With your vote, together we can make Bellevue Greater!! Paid for by Ed Riehl candidae.


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“iF i CoulD JuSt................ by Cindy Nunery It’s likely it wouldn’t take you long to come up with at least 10 different ways to finish that sentence, or realize you’ve used those exact words throughout your lifetime. We are always trying to get to a place in life where we believe that if we had this one thing or maybe more, all our problems would be solved, everything would make sense, and we would have everything we think would make us happy. Unfortunately, and I speak from experience, that’s not how it works…….far from it. It’s very easy to become fixated on something you believe in your mind, will complete

your picture, seek earnestly after it, and then when you actually receive it, you find it’s not exactly what you wanted after all, or you find that it didn’t turn out the way you pictured in your mind. Nothing like a dose of reality hitting you between the eyes. Hard place to be. Now does this mean that you’re not supposed to hope for, dream of, or press towards something that is important to you? Absolutely not. You just have to make sure that you’re not trying to “fill a hole” as the saying goes, thinking if you just had this one thing, then all the stars would magically line up and then you’d be open to

a life of perfection. I think one thing we all experience, especially in today’s world and it’s frantic pace to keep up, is not fully taking the time to enjoy the last thing you were in fact hoping would fall in your lap, or get resolved. Hence the recognition of thinking surely if you “could just” whatever, then you could experience a good and peaceful life. I suppose this sounds like just another “letting it go” or “soak up the moment” article, and maybe it is, but I think when you preface it with a fill in the blank or flat out question, then it does of course encourage one to stop and think about how they really view their life and what they feel is missing or would make it

the greater CinCinnati FounDation grantS $25,000 to SSnk

Senior Services of Northern Kentucky (SSNK) announces a generous $25,000 grant from The Greater Cincinnati Foundation in support of SSNK’s Transportation program. These funds are greatly needed as a required match for O-K-I New Freedom funding. The demand for transportation for older adults and persons with disabilities as well as the population in general is increasingly sharply. New Freedom Transportation is funded,

in part, by a grant from the Greater Cincinnati Foundation. Executive Director of SSNK, Jay Van Winkle says, “We are very grateful to the Greater Cincinnati Foundation for providing this grant to ensure that Seniors in Northern Kentucky will have affordable transportation. Seniors view transportation as the critical service to remain independent.” Founded in 1962, Senior Services of Northern Kentucky assists seniors in

maintaining their dignity and independence. Through programs such as Meals on Wheels, Transportation and Protection, seniors receive vital assistance allowing them to remain living in their own homes. SSNK operates 10 Senior Centers in the 8 counties of Northern Kentucky that provide nutrition, social, physical fitness and education opportunities for seniors. SSNK also operates a food pantry and our unique AniMeals on Wheels programs. The gracious support of Citi will allow SSNK to continue its mission of helping seniors Live Well and Age Well. SSNK is a United Way Agency Partner and is funded in part under a contract with NKADD and the Commonwealth of Kentucky, Cabinet for Family and Human Services with funds from the U.S. Department of Health and Human Services. While this grant helps alleviate the lack of transportation, more funding is needed to meet the challenges of Northern Kentucky’s aging population. To make a donation to help transport older adults in Northern Kentucky, please contact Senior Services of Northern Kentucky at 859.292.7953 or email info@seniorservicesnky.org. For more information on services, to make a donation or to volunteer, contact us at 859-491-0522. www.seniorservicesnky.org. SSNK is a United Way Agency Partner.SUMMER’S AL

SEPTEMBER, 2014

easier, whether it’s a person, place or thing you’re focused on. It also allows you to stop and think what you would do if you actually got the thing you think would solve all your problems, or set you on a different course, or make life simpler. What I have trained myself to do over the last few years, is to not only fill in the blank, but imagine it’s 6 months, a year, or five years down the road after you’ve received whatever you thought was going to solve your problem. Or an easier way of putting it……..now act as if you have received your request or wish, then see what would be left. Meaning, see what it didn’t resolve.

This probably happens more often when you’re talking about trying to get other people to change, or magically disappear. When you have people around you that drive you crazy or make your life miserable, it’s easy to think life would be perfect if they were gone. But, no matter the wish, request, or dream that you believe would open all the doors in your life, and only good would flow, make sure you take it a bit further down the road and act as if you actually received it, and then see what is left. You might find it simple to fill in the blank, but harder to see what’s left to deal with.

Summer’S almoSt gone

by Pastor Smith JEREMIAH 8 : 20 Trust you are having a wonderful summer with plenty of family fun times,what joy it is to be around our family and friends . You know God created the family before he purchased the church. We teach and understand that the Lord said in Matt. 6:33 seek first the Kingdom --- being Kingdom conscious is our worship to God , obeying his word brings heaven to earth. SUMMER WILL SOON PASS and our routine begins to change and family demands are jump started, up and off to school , sports and car pooling begins. Let us not forget to continue being faithful to the house of God. Being faith-

ful is one of God”s attributes in our Christian development, and as we grow and learn to keep first the kingdom you will increase your desire and enrich your love for avenues to please God ,obey his word and love your neighbors as ourselves . As God is looking down on planet earth around the world and seeing the complete big picture of all of the heart of men and his dilemma. His heart is breaking for someone to keep him first. We here at the Lighthouse must pull together in prayer, fasting and keeping him first to reach the soon coming HARVEST …... SUMMER IS ALMOST GONE .read Jeremiah 8: 20 ….. We are not saved...yet

Time to get your ballots ready for Bellevue City Council Elections

Ryan Kunnen Ryan Salzman Matt Olliges Kevin Wright By choosing these four candidates you are choosing 21st century leadership focused on economic and community development. *Paid for by Ryan Kunnen, Ryan Salzman, Matt Olliges and Kevin Wright for city council.


SEPTEMBER, 2014

From

Corner

the

A NOTE TO READERS: This month’s article is significantly longer than I typically like to write. However, the publisher told me that this month I could be as “windy” as I wanted to because there was extra room. Thus, as a preacher, when someone hands me a microphone or gives me space in a newspaper to say something – I can’t help myself – I’m going to say something. I hope you find these words thought provoking and something that will encourage you in your faith and actions in making this wonderful life God has given us better for everyone. Blessings, Pastor Keith It was Abraham Lincoln who famously said, “My concern is not whether God is on our side; my greatest concern is to be on God’s side.” Dwight Eisenhower was president when I was born – an era of the highest tax rate in the history of the United States of America. And yet we often referred to that time as the good ol’ days. (A brief trip down memory lane will remind us that those “good ol’ days” were not all that good for women and people of color. But I digress.) Today we debate about tax rates while our infrastructures crumble beneath our feet and the Brent Spence Bridge threatens to fall from under our wheels. We are in a time when 1 percent of our citizens control between 39 percent and 46 percent of the wealth. According to Bread for the World, “We live in the world’s wealthiest nation. Yet 14.5 percent of U.S. households—nearly 49 million Americans, including 15.9 million children—struggle to put food on the table.” I’ve heard that you can judge a nation’s morality not on its divorce rate (thank goodness) but rather on how it takes care of its poor. As a child I remember hearing stories in Sunday School about how Jesus cared for the sick, the poor, the children, the widows, and those on the margins of society. When reading about Jesus you can’t help but notice his distress for the wellbeing of those on the edges. There is a wonderful parable (teaching story) in the Gospel of Matthew (chapter 25 verses 31 through 46) in the New Testament. It says: “When the Son of Man comes in his glory, and all the angels with him, then he will

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sit on the throne of his glory. All the nations will be gathered before him, and he will separate people one from another as a shepherd separates the sheep from the goats, and he will put the sheep at his right hand and the goats at the left. Then the king will

say to those at his right hand, ‘Come, you that are blessed by my Father, inherit the kingdom prepared for you from the foundation of the world; for I was hungry and you gave me food, I was thirsty and you gave me something to drink, I was a stranger and you welcomed me, I was naked and you gave me clothing, I was sick and you took care of me,

I was in prison and you visited me.’ Then the righteous will answer him, ‘Lord, when was it that we saw you hungry and gave you food, or thirsty and gave you something to drink? And when was it that we saw you a stranger and welcomed you, or naked and gave you clothing? And when was it that we saw you sick or in prison and visited you?’

PAGE 5 And the king will answer them, ‘Truly I tell you, just as you did it to one of the least of these who are members of my family, you did it to me.’ Then he will say to those at his left hand, ‘You that are accursed, depart from me into the eternal fire prepared for

See Corner ContD on pg 12

a huge tiger’S WelCome to the neWeSt memberS oF the bellevue inDepenDent SChoolS team!

Row 1 (l to r): Ryan Lovelace, HS Math, Tara Wittrock, Director of Special Populations, Anthony Knoll, Special Populations Row 2 (l to r): Lori Herring, HS Art, Julie Jones, GES Art, Charlsie Wheatley, HS English, Lindsey Reckers, MS Math, Emma Sheridan, Preschool Speech, Cathy Connelly, GES Librarian Row 3 (l to r): Robb Smith, Superintendent, Josh Young, MS Science, Nathan Parr, Special Populations, David Rust, Director of Academic Services, Mallie Kuhnheim, Preschool Instructional Assistant, Laura Rittinger, MS English

Welcome to Bellevue!

VOTE CAROL J. RICH

MAYOR OF BELLEVUE

Ê Ê

Ê

Ê

Ê

Ê

Ê

NOVEMBER 4 GRADUATE OF BELLEVUE HIGH SCHOOL NORTHERN KENTUCKY UNIVERSITY UNIVERSITY OF LOUISVILLE BELLEVUE CITY COUNCIL FOR 4 YEARS WORKING FOR YOU!

PAID FOR BY VOTE CAROL J. RICH FOR MAYOR OF BELLEVUE, CREATED IN HOUSE


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Fireman Joe Says I told you all to be ready for some hot days of summer and as of this writing it was about 91 Degrees and probably 110% humidity. As we are going into Labor Day Weekend, hope everyone gets the chance to enjoy one more summer weekend, even though I am sure there will be a few more hot days before we are through. With that thought in mind be sure to finish your summer fun days on a safe note. Use caution when firing up that old grill or propane barbeque grill to prepare your feast. I’m sure the grass will need cutting a few times before fall so I hope

you are storing your fuel in safe approved containers and the shed outdoors. For all you joggers, walkers and runners out there make sure you are drinking lots of water and staying hydrated. October is right around the corner and with that comes Fire Prevention Month and our theme this year from The National Fire Protection Association is “ WORKING SMOKE ALARMS SAVE LIVES “ which encourages you to test yours every month. Fireman Joe will be visiting the schools all month talking to the children about how important smoke alarms are

so be ready to act when they bring their safety message home. Did you know that many people don’t test their smoke alarms as often as they should? When there is a fire, smoke spreads fast. You need working smoke alarms to give you time to get out. Be sure to test yours every month. Want to make a couple of quick points, Make sure your smoke alarms have the label of a recognized testing laboratory. An ionization smoke alarm is usually more responsive to flaming fires, and a photoelectric smoke alarm is usually more responsive to smoldering fires. Both

kitten SeaSon

Return

Steve Guidugli

To

Bellevue City Council “Leadership Working For You!” Paid for by Steve Guidugli for City Council

by Teri Baker ACO I am proud to say kitten season was not horrible this year. What does that mean? The amount of kittens brought into the shelter was significantly reduced. This means you are listening and doing your part to reduce unwanted litters. The demand for kittens was high. This all results in more lives saved. I have noticed a strange trend. “Pretty” kittens get adopted way before plain black kittens. We had 3 power puff kittens for months before being adopted. Butter cup, Blossom and Bubbles were the sweetest kitties with kids, dogs and everyone. So please don’t be superstitious Black cats are not bad luck or evil. They are wonderful and need you even more because if a shelter gets full they will keep an adoptable pretty color cat over a black one. I know it is sad but it is true. Im not one for concealing facts. I hope I do not offend anyone with these animal facts. Education is the key to end our homeless animal problem. So if you are feeding strays and not spaying and neutering them. Shame on you. If they are black cats double shame on you. Please remember there is a leash “containment” law so cats can NOT roam off your property. So if you keep your cats home and don’t feed strays we should not have any stray kittens that don’t have a home. My dream is to have a year when we don’t have to put down ANY adoptable cat. Help me achieve this in our city.

SEPTEMBER, 2014

types of alarms or combination (photoelectric/ionization) alarms should be installed in the home. Smoke alarms and alert devices, called accessories, are available for people who are deaf or hard of hearing. Go to nfpa.org/safetytips to find out more. To be honest with you, I just want a working smoke alarm in

every home with a good exit plan and safe meeting place. Knowing what to do when the alarm goes off is just as important as having it in the home. We have a few alarms available at the firehouse with batteries in case you can’t afford one.

CreDit alert

By Alvena Stanfield There’s good news for individuals whose credit history includes missed payments or medical bills, according to HLN’s Robin Meade. The credit bureaus reduced the penalties for old late or missed payments if recent credit payments show punctual payments. Also, the medical bills will have less impact because the individual carrying that history may have had no control over acquiring that debt. This is not an erasure of bad history. It is a reduction applied to the FICA score. The ideal FICA score is over 700. How do the credit bureaus calculate? First, all contract debt: credit cards, bank loans, school loans raise the number every time an on-time payment is made. The reverse is true. A late or skipped payment lowers the credit score. Why is this important if a person doesn’t want a new car or a credit card? The credit report and its score are applied to other cost items, like employment reviews, rental applications, and car insurance. Individuals with lower scores pay more. Those below 680 are unlikely to qualify for a home mortgage. This change is great news

for the thousands whose credit suffered during the recent economic slowdown. The anticipated rise in FICA score is 25 points. That won’t help the habitual payment procrastinator. It will be likely to help those who have kept recent payments current but who had bad history in the past. How does a person rebuild their credit? Some banks offer a pre-paid credit card. That is not an ATM or gift card. The pre-paid credit card has a deposited amount in the bank. The person buys an item, waits till the bill arrives and pays the amount before the due date. That is how the credit bureau evaluates adding or subtracting points. Some items, like a credit inquiry, lower the score ¼ or ½ of a point. Other items, like a late or skipped mortgage payment drop the score further. This change means some people who have not been able to take advantage of today’s terrific mortgage rates will have their scores raised enough to qualify to buy a home. If you are one of these “almost” individuals, remember the river cities from Dayton to Ludlow offer downpayment assistance. Kentucky Housing Corporation also offers a loan for downpayment and closing costs.


SEPTEMBER, 2014

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Senior ClaSS retreat

The Bellevue High School class of 2015 spent two days in the outdoors at Potter’s Ranch in Union, KY. The purpose of this retreat was for students to bond, receive their annual

required suicide prevention training and to have some fun together. The seniors took a hay ride, went zip lining, kayaking and canoeing. It was a great experience for all.

loSe Weight by Dr. Barbara Cook Are you finding it hard to stick to a healthy diet? Lack of a healthy diet can lead to unhealthy weight gain. There are often side effects to weight gain and over time, it may be damaging to your body, including your spine and nervous system. Let’s take a closer look at what too much weight can do and what you can do to live a healthier life. What Happens to Your Body As You Gain Weight? How weight gain affects your life may depend on your activity level, gender, age and where you carry your weight. But, if you gain too much weight, it may take a toll on your body physically. Some risks associated to too much weight gain are type 2 diabetes, high blood pressure, stroke, breathing problems and sleep apnea. Weight gain may cause a strain on your spine and ner-

anD

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hanSman’S Corner market & Deli looking ForWarD to re-opening

Our friends at Hansman’s Corner Market & Delicatessen are in our thoughts and prayers after two fires occurred in the store within a span of 10 days. As a result of these fires, they ask that we be patient with them until they can have the interior of the store renovated and resume business. Jeff and Maryann Hansman, who have spent the better part of their lives operating Hansman’s Corner Market & Delicatessen, are the perfect example of a business that provides a great service to their community. The store is always spotless-clean and their prices are competitive with some of the bigger stores around. Their deli meats are the freshest you will ever find. They are open from 6 a.m. until midnight every day (except holidays), and within walking distance of Jamestown Square

and Speers Court Apartments. More than that, they are huge supporters of Lincoln Elementary School and Dayton High School. In the early hours of July 11, a fire broke out in the back stock room and preliminary investigations indicated it was caused by a malfunctioning water heater in a storage room. Saddled with smoke and water damage, Jeff and Maryann could not believe this fire would end a streak of being open every day for the past 33+ years. They finished the long process of dealing with their insurance company, fire restoration specialists and a handful of contractors and were seemingly on their way to reopening in a few weeks, until a large fire broke out in the deli area on July 21, causing yet more smoke, heat and water damage and destroying

much of their deli equipment. While the cause of this fire is still under investigation, they are currently making plans to open as soon as the store undergoes extensive renovation.

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vous system. Over time, misalignments or subluxations may occur causing back pain and interference to the nervous system. When there is interference to the nervous system, the body has a hard time receiving the information it needs from the brain to enjoy optimal health. The Emotional Side of Weight Gain Weight gain goes beyond how you look. Let’s take a look at some of the things that often go on emotionally when you’re overweight: You can lose the self-confidence you once had. Depression or anxiety may develop and begin to affect your daily life. You may find yourself with less energy and joy. Losing weight is easier said than done, but through small and simple changes each day, you can begin your

journey to greater health. A Few Simple Changes You may ask, “How do I start?” Begin with these easy steps: Park further away from the supermarket so you get more exercise on your way in and out. Take the stairs whenever possible. Take a walk daily. Hydrate by drinking enough water throughout your day Fill up on fiber and protein. Limit processed foods and sugar in your diet. Identify the cause of your weight gain and face it head on to prevent it in the future. Visit your chiropractor for health checkups. We’ll inspire you and support you on your health journey and help create a plan that works for you. Along with chiropractic care, diet and nutrition can make a huge difference in how you feel and look. Benefits of Greater Health Greater self-esteem, confidence and a life of purpose. More energy to play with your kids or spend time with your loved ones. Less stress, less health risks. More money for healthy foods by buying less processed foods. Better able to lead others by example. For more health related topics visit: www.daytonkychiro.com

Jon Cullick for School Board

Unique Experience & New Perspective to Help Our Students Succeed joncullick@fuse.net

859-442-7197

Paid for by Jon Cullick for School Board


PAGE 8

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lauren Jett WelComeD Senior Services of Northern Kentucky (SSNK) is pleased to announce that Lauren Jett has been selected to fill the agency’s AmeriCorps/ VISTA position. Lauren, a student at NKU, is excited to be starting this opportunity, “Northern Kentucky is my home and I feel it is important that everyone gives back to the community and work to make it a better place. I look forward to making a difference here at SSNK.” Mariann Dunn, Human Resources Manager at SSNK, feels Lauren’s enthusiasm for helping others is a great gift to SSNK, “I am excited to have

to

SSnk

the opportunity to work with AmeriCorps/VISTA as Lauren joins our team. Lauren brings such energy and enthusiasm and I look forward to the success of our programs because of her efforts.” Founded in 1962, Senior Services of Northern Kentucky assists seniors in maintaining their dignity and independence. Through programs such as Meals on Wheels, Transportation, Senior Activity Centers and Protection, seniors receive vital assistance allowing them to remain in their own home. SSNK operates 10 Senior Centers in the 8 counties of Northern Ken-

tucky that provide nutrition, social, physical fitness and education opportunities for seniors. SSNK also operates a food pantry and our unique AniMeals on Wheels programs. SSNK is a United Way Agency Partner and is funded in part under a contract with NKADD and the Commonwealth of Kentucky, Cabinet for Family and Human Services with funds from the U.S. Department of Health and Human Services. For more information on services, to make a donation or to volunteer, contact us at 859-491-0522. www.seniorservicesnky.org

SCHWAB 859-835-3595 Emergency Shelter of Northern Kentucky

Mission Statement: To provide shelter which is life saving in the winter and life changing in the summer. Vision Statement: We believe homelessness is an emergency and that shelter is a basic necessity for human beings. We believe that only when this basic necessity is provided do human beings have the ability to recover from homelessness.

If you would like to contribute financially to help those recovering from homelessness please mail your donation to:Ê EmergencyÊ ShelterÊ ofÊ NorthernÊ KentuckyÊ P.O.Ê BoxÊ 176601,Ê Covington,Ê KYÊ 41011Ê Currently Needed Items: Disposable Razors,

Bleach, Laundry Detergent, Paper Towels If you are interested in making a material donation it can be dropped off anytime during the week and from 6pm-9am on weekends

Josh Klosterman, MSWÊ Shelter Operations ManagerÊ Emergency Shelter of Northern KentuckyÊ 634 Scott Street, Covington KY 41011Ê (859) 291-4555Ê EmergencyShelterNKY@yahoo.comÊ

SEPTEMBER, 2014

StatS upDate From CoaCh SWauger

Tate Grainger’s 289 passing yards last Friday vs Gallatin Co. move him into 4th place on the list of single game passing yardage leaders. Blake Stephenson has moved into 2nd place on the All-Time career receptions category. He now has 68, moving him into 2nd place ahead of James Delaney who had 67. Blake needs 5 more receptions to become the schools all-time leader with 73, surpassing his former teammate Zack Poinsett’s mark of 72.

Care

oF

In the area of career receiving yards, Blake has moved into 2nd place on the All-Time list. He now has 1171 yards, moving him into 2nd place ahead of James Delaney who had 1110 yards. Blake needs 140 yards to become the schools all-time leader with 1311 yards, surpassing Chas Thornberry’s mark of 1310 yards. Interestingly, James Delaney, whom Blake has surpassed is being inducted into our Hall of Fame this coming Friday! Go Tigers!

Street treeS

WE NEED YOUR HELP! To continue to provide this newspaper to our city we need the support of our local businesses.

Without their advertising, we will become part of History! Please Contact Mike Pendery at 331-7977 for more information

Jo Anne Warren, Master Gardener, Tree Maven New York City has a program – MillionTreesNYC Stewardship Corps – organizing volunteers to help keep New York City GREEN. The Corps offers a free MillionTreesNYC stewardship workshop teaching basics of identifying trees in NYC, the benefits trees bring to the city, and tree care. The motto: Water! Weed! Mulch! It is a beautification initiative as well. Even cleaning up the tree well is beautification! Volunteer participants will care for trees using small gardening tools and watering buckets. The only requirements—aside from the training—is to dress for light gardening work, wear close-toed shoes, bring a refillable water bottle, pledge to take care of a specific street tree, and tell the

organization where their tree is located. If a resident notices that any street tree in his or her community seems to be damaged, diseased, uprooted, or in such poor condition that it probably cannot be amended by basic tree stewardship, they are asked to submit a request to have the tree inspected by NYC Parks Forestry staff. Does this sound to you like a good plan for the neighborhood? I like it!


SEPTEMBER, 2014

We

Want your iDeaS,

by Robb Smith If you are a regular visitor to the Bellevue Independent Schools website, you probably noticed the home page has a new “Coming Soon” box that hints at an updated vision and mission. I am a firm believer in beginning with the end in mind and working backward, and for the last two months I have been informally collecting data to set those goals. As we move into the fall season, the process of collecting additional information will become more formal; special interest groups will be polled and summit meetings will be held. At the end of the process, which I hope concludes around the turn of the new year, a full-scale strategic plan will be developed.

“FinDing

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bellevue.

Statistically speaking, about one-third of residents in communities have a direct tie to the school system. However, the entire community should have a voice in the operations. I want to ensure that those who contribute tax dollars to the school system are represented, irrespective of having school-aged children in the household. And while there are always opportunities to provide input at regularly scheduled board meetings, consider this an invitation to submit your thoughts, dreams, ideas, concerns, or offers of assistance as we look toward the future. After two months as your superintendent, the question I have been asked the most

is “What’s the one thing that stands out about our school system?” The answer to that question is the resolve of the community. There is no divide between school and community as they are intertwined so deeply and passionately. This is what makes forming a new vision so exciting. It’s more than just a school district improvement exercise; it’s a piece of a larger community movement. So send me your thoughts. There is no idea too small or too large. You have my promise that everything received will be given full attention and considered in our efforts to become the absolute best school district possible. I can be reached at robb.smith@ bellevue.kyschools.us. I look forward to working with you.

RE-

PAGE 9

ELECT 2 Years

J. Rodney

is not enough!

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Bellevue City Council James Rodney Poynter Bellevue KY. City Council paid for by the Committee to Elect J. Rodney Poynter

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talkin’ ‘bout my generation a long term Care FaCility For mom”

By Ken Rechtin, Baby Boomer The response to these “Talkin’ ‘bout My Generation” columns has been overwhelming! The questions keep coming! Thanks for sending those questions to me. I will do my level best to address the question or the issues. One of the most frequently asked questions is about choosing a nursing home. The assumption has to be made that mom can no longer live independently or even live in an assisted living facility. Only a nursing home facility can meet her needs. The hospital has called and decisions need to be made. Many times there is little time. So, planning ahead always helps in making better decisions. It is good to think a little about this in advance. Where do you go for advice? How do you determine the best facility for mom? These are not easy decisions. They involve the care of one very important to us! How do I find and compare the various nursing homes out there? Is there a difference between for profit and not for profits homes? Who will pay for this care? Please know that there are a broad range of choices for nursing homes. Fortunately there is help! There are numerous websites which offer help. So, if you will search (google): “Choosing a Nursing Home”, you will find numerous sites to help you. SSNK’s “NKY Senior Guide”, online edition which is available through the SSNK

website, has listings of all the nursing homes in N. Ky. Guess what! Government is also here to help! So many times, when I think of government, I do not have the feeling that the offering of help by government is something worthwhile. But, in this case, government shines. Please go to the following website: http://www.medicare. gov/nursinghomecompare/ search.html At this site there is a document called: “YourGuide to Choosing a Nursing Home”. There is an excellent checklist to compare nursing homes within this 72 page booklet. But, after going through all of this, the best advice given to me by a nursing home provider was similar to advice received from realtors when choosing a new home: 1.) Visit the home often at different times of the day. 2.) Make sure the home meets the physical and emotional needs of your mom. 3.) Choose a nursing home for mom near to where you live so that you can visit often. The third factor is very important, as realtors say: It is all about “Location, location, location!” After all the comparisons are done, you have visited the homes numerous times and you have met with the staff and the administrator, the deciding factor might very well be the place close to your home. But, that is not so easily accomplished here in Northern Kentucky. Kentucky is a “certificate of need” state. Nursing home beds are allocated by county by a certificate of need process. A very

complicated formula based on old population data which has resulted in distribution of nursing home beds disproportionate to the population in the counties served. By comparing just the three counties of Boone, Kenton and Campbell, we can see the variances: • Boone County has 317 allotted beds in three facilities in a county with a population of 123,000. • Kenton County has 739 allotted beds in seven facilities in a county with a population of 162,000. • Campbell County has 714 allotted beds in four facilities in a county with a population of 91,000. So, you can see, looking for a nursing home close to your home, so that you can visit mom frequently can be just a little bit difficult if you live in Boone County. So, what have we learned? 1.) Find and compare nursing homes using a checklist like the one on the government site. 2.) Visit the home often. 3.) Make sure it is one that you can and will visit frequently. Remember, you can always call on staff at Senior Services of Northern Kentucky to help as well! Ken Rechtin was the Interim Executive Director of Senior Services of Northern Kentucky. Senior Services of Northern Kentucky is a 501c3 not for profit serving the needs of the Northern Kentucky aging population for 51 years. Ken is also a Campbell County Commissioner and one of the “Baby Boomers” (He is 63 years old!).

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PAGE 10

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SEPTEMBER, 2014

Wear

By Alvena Stanfield September is change of season time so it is change of summer to winter clothing/ storage time too. In searching for “organizing” ideas on the internet, one quickly finds photos of uncluttered closets, complete with built-in dressers. The advertisement contains four shirts, three pairs of slacks, a pair of shoes and two jackets. Hmmmm. Reality check? If that small number of items were the extent of my wardrobe, my closet would look uncluttered too. So, when it doesn’t fit, maybe the next question is one Simple Living discusses “why do we keep clutter?” Its answer is people feel they are “required to be good stewards of items bought or received as gifts.” True, but I still love to wear my old poodle loop sweaters and my even older classic blouses. Their colors match. I spend no money or time assembling. That is, when and if they can be located. That scavenger hunt is not discussed in the “organizing” articles. To unclutter, professionals suggested three bins marked “keep it, pitch it and give it away.” That resulted in failure: one overstuffed and two empty bins. As I gazed hopelessly at filled bins, filled closets, stuffed dresser drawers and a blocked hallway, I remembered Julius Caesar’s slogan: “Divide and conquer”. If Julius Caesar’s philosophy could conquer a continent, surely I could conquer overstuffed challenges. Learning from my failed organizing, before cluttering the work area, think of the project as onepiece-at-a-time. The question to ask, “Did I wear this?” if not, “Why not?” Decide to either keep it/pitch it. If it went

or

www.bellevuecommunitynews.com

unworn because it’s missing a button, start the “mending” bin. Stash it. As soon as one of the bins is filled, take it away, hopefully where it will be till next season. That helps clear out confusion-by-clutter. Another organizer, Lifehacker, has a few good suggestions: tiered shirt, slacks and blouse hangers. These hangers hold six items in the space of one. But the lower items will wrinkle from the tight squeeze by the upper garments. I’d have to make space for an ironing board. Some of the professional suggestions seem like a good idea at first glance. “Add a second closet rod above the existing one,” except that idea is followed by “keep a stepstool nearby.” My early morning clumsiness means bruises would be arriving soon. Instead, I lowered the rod and added a shelf above. An Army captain clued me in that rolled slacks do not wrinkle. Neither do rolled kids clothes: stack tomorrow’s slacks, shirt, underwear and socks then roll them. That’s space AND time saved. It also limits the amazing combos the kids prefer “But Mom. I like one pink and one yellow sock. They match my….” And what about the other stuff? So, after finding the professional ideas falling a bit short of the mark, here’s what I came up with. (1) Measure existing and potential storage areas. Consider making use of space on walls or under furniture. My keys are now mounted near the door and underneath is a (never used) plastic litter box for shoes/slippers/ boots and pinch clothespins (to eliminate “go find your other shoe”). (2) Under bed plastic containers now say

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Where? “mending,” “ironing,” “too big,” and “too small.” Inspired by clothing success, I expanded to (3) Kitchen walls offer tack-up-utensils space and (4) overhead shelves hold cookware. (5) in/out office trays nestled inside kitchen cabinets hold dishes, lids, kitchen towels, school supplies and baking pans. (6) “S” hooks and a curtain rod or two hung inside a closet door have done wonders for binoculars, camera, purses, and scarves. If it has a strap, it’s there. Nothing works every time so if any reader has ideas for finding space where none exists, please email me at stanfieldwrites@gmail.com.

behringer CraWForD

Smithsonian Museum Day Live September 27, 2014 www .bcmuseum. org Contact BCM at info@ bcmuseum. org or (859) 491-4003

venDorS---

The Dayton Main Street Board is looking for vendors to set up a booth FREE of CHARGE to sell their wares at our annual Fall Fest that will be held on October 18 from 4 until 10 p.m.at Dayton’s Town Center, located at Sixth and Berry Streets Examples of booths include: ARTS & CRAFTS JEWELRY POTTERY Contact Anthony V. Cadle Main Street Manager 514 Sixth Avenue • Dayton, Kentucky 41074 859-491-1600 Ext. #229 acadle@daytonky.com

THIS SPACE FOR SALE

Tot Tuesdays: Apples September 16, 2014 Program included with Museum Admission with $1 craft fee. Behringer-Crawford Museum 1600 Montague Rd. - Devou Park, Covington, KY “An apple a day keeps the doctor away.” “The apple doesn’t fall far from the tree.” Come have lots of apple fun with your little one with craft and story time at BCM’s Tot Tuesday. Ages 2-5. Program begins at 10:30 a.m. “Who Wants to be a Paleontologist?” September 26, 2014 10:30 a.m. 12:30 p.m. $6.00

to

PAGE 11

An ad this size is only $32

You can reach Bellevue with our Print Edition and On-line. Please help support our Community paper.

Contact Mike @ 859-331-7977

I am 100% Committed to making Campbell County an even greater place to

live, learn, work and play.

“I pledge full-time leadership as your Judge Executive, bringing commonsense solutions to business and job growth, and helping to keep our communities safe, beautiful and livable.” — Ken Rechtin

Learn more about Ken Rechtin’s vision at: KenRechtin2014.com or visit his Facebook page at: Ken Rechtin 2014. Please call or email at 859-250-2263 or kenrechtin2014@gmail.com Paid for by Ken Rechtin 2014, Thomas J. Munninghoff, Treasurer, 14 Sentinel Drive, Wilder, KY 41071.


PAGE 12

Corner

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From page

the devil and his angels; for I was hungry and you gave me no food, I was thirsty and you gave me nothing to drink, I was a stranger and you did not welcome me, naked and you did not give me clothing, sick and in prison and you did not visit me.’ Then they also will answer, ‘Lord, when was it that we saw you hungry or thirsty or a stranger or naked or sick or in prison, and did not take care of you?’ Then he will answer them, ‘Truly I tell you, just as you did not do it to one of the least of these, you did not do it to me.’ And these will go away into eternal punishment, but the righteous into eternal life.” Many of us grew up with the understanding that our salvation was based on what we believe. In other words if we believed all the right things we would go to “heaven”. This lesson from Matthew is the only judgment story in the New Testament with details, and yet we find nothing said about believing, what we profess, or even anything about forgiveness or God’s grace.

5

Perhaps salvation is not about beliefs or the afterlife, but rather about the relationship we have with others right here and now. For how we treat others is how we treat God. In this lesson our real lives are challenged, when the rubber hits the road we find that the practice of such spirituality gets tough. How we vote on political – civil or spiritual concerns – what policies we support or do not support, directly reflect how we help or hurt the needy. We live in a world of systems and political machinery. The very cloths on our backs and shoes on our feet determine the treatment of the poor. Through the legislation of sweatshops, child labor, human trafficking in democracies like the United States of America we have the power to help those who are thirsty, hungry, in prison, naked, and sick. Some of us read this Bible lesson and think that poverty in America is too big of an issue and that our small contribution of money, volunteer time, or refusing to purchase

goods from corporations that oppress the poor, won’t make a difference. However, in this lesson the reality is that the issues of the poor are so critical that what we do about poverty is the determining factor of our righteousness. Put simply, our actions for the poor are what God cares about. “So faith by itself, if it has no works, is dead (James 2.17). You can believe all of the right things you want, but if your believing does not match your doing, where is the love? This lesson evokes us to take seriously the results and consequences of our choices for the sake of the common good. Jim Wallis in his book “On God’s Side – What Religion Forgets and Politics Hasn’t Learned About Serving the Common Good” says: “Our life together can be better. Ours is a shallow and selfish age, and we are in need of conversion – from looking out just for ourselves to also looking out for one another. It’s time to hear and heed a call to a different way of life, to reclaim a very old idea called the common good. Jesus issued that call and an-

it’S time

There is a government program that will make your down payment for you if you buy a home and reside there in the cities of Dayton, Bellevue, Newport, Covington, and Ludlow. The program is called, “Yes You Can.” The following are some of the criteria: (Covington’s criteria are a little different.) Targeted funding for Lud-

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nounced the kingdom of God – a new order of living in sharp contrast to all the political and religious kingdoms of the world. That better way of life was meant to benefit not only his followers but everybody else too. And that is the point of it. Christianity is not a religion that gives some people a ticket to heaven and makes them judgmental of all others. Rather, it’s a call to a relationship that changes all our other relationships. Jesus told us a new relationship with God also brings us into a new relationship with our neighbor, especially with the most vulnerable of this world, and even with our enemies. But we don’t always hear that from the churches. This call to love our neighbor is the foundation for reestablishing and reclaiming the common good, which has fallen into cultural and political – and even religious – neglect.” (p.3-4) Living life Jesus-style is not easy while living in a culture that has lost civility and its focus for the common good. Practically all of the world’s religions teach that

to

you cannot disconnect your love for God from your love for your neighbor, your sisters and brothers of the world (Deuteronomy 6.5; Leviticus 19.18). The nonreligious and atheist will even affirm what is referred to as “the Golden Rule”: “Do to others as you would have them do to you” (Luke 6.31). Too often the role of religion seems more like a contest of whose beliefs are right and making sure you can identify who’s wrong. Maybe it’s really more about being on God’s side – and being on God’s side is always about loving one another through our words and actions. “Truly I tell you, just as you did it to one of the least of these who are members of my family, you did it to me (Matthew 25.40b)” From the Corner is written by The Rev. Keith M. Haithcock, Pastor & Teacher of St. John United Church of Christ, Bellevue, KY

oWn your oWn home!

low, Newport, Bellevue and Dayton. • Borrower’s gross annual household income must be at or below 80% of the Area Median Income ($38,400 for a single person, $54,800 for a 4 person household). Borrowers must attend a HUD approved home buyer education course. •All properties must be one to two units, owner-occupied or vacant, and meet minimum local housing standards. •Loan Amount: up to $5,000. Can be used to cover the lender required down payment and closing costs. •Interest Rate/Loan Term: 0%, 10 years •Monthly Payment Amount: No monthly payments. Loan will be forgiven if the owner occupies the home as their principal residence for 10 years from the

date of purchase. 1 person house hold Make 38,400 or less 2 person house hold Make 43,850 or less 3 person house hold Make 49,359 or less 4 person house hold Make 54,800 or less 5 person house hold Make 59,200 or less IT’S TIME YOU OWN YOUR OWN HOME! For more information contact a realtor in your area.

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