SUMMER 2013
2013
Case
Awards
INPERSPECTIVE S TA F F
From the Publisher Welcome to the summer issue of Carlynton-Montour magazine. While we focus on the communities that we serve, we don’t live in a bubble. The world throws curveballs at each of us, and each of us has to decide whether or not to swing at it. In the case of the Boston Marathon bombing, the city swung and knocked it out of the park. Residents came together to present a united front. First responders put their lives on hold and on the line until the threat was removed. Boston is not unique in that regard. Over the past decade or more that I’ve been publishing magazines, I’ve had the good fortune to come into contact with a lot of residents in the communities we serve. I’ve met dozens upon dozens of municipal officials, police and fire chiefs, EMS teams, and elected officials. I’ve seen them deal with their own issues, and I’ve seen them from time to time mourn their losses in the press. What I’ve seen and who I’ve met along the way has convinced me that the resilience of Boston is not a regional attribute. It’s a way of life that seems to be somehow tied to our very genes. Fortunately, not every city will face a challenge of that magnitude. But we do have it in us to take the inspiration demonstrated by the people of Boston and apply it to our daily lives. We can take small steps every day to ensure that the community we live in is a little bit better by the time we lay our heads down on the pillow at night. Whether it’s raising money for a cause, or visiting someone who needs to see a smiling face, young or old we can all do something to make our surroundings a little bit better. And by making things a little bit better for each other, hopefully, we can be better prepared to help one another if things suddenly get worse. This May, we honored volunteers and organizations in the community that help make a difference in such ways. Those people and causes were chosen by you, and we are proud to thank them for their service to their communities. We thank you for your dedication to our magazines and hope that you continue to be part of them and contribute your thoughts and ideas to our editors. There are many more stories to be told, and we always welcome your help in finding them. Wayne Dollard, Publisher
we want to know
Featured pet
Bingley
in the world? Why is your Pet the Best Pet
Fall content deadline: 7/27/13
All Animals Welcome!
Write and tell us why your pet is the greatest. Be sure to send us a photo of your best friend and let us know which magazine you receive at your home. Photos should be as large as possible and may be emailed to our editor, mark@incommunitymagazines.com or mailed to IN Community Magazines, 603 East McMurray Road, McMurray, PA 15317. Be sure to include a self-addressed stamped envelope if you would like your photo returned.
There’s nothing quite like the unconditional love of a pet, so share the love!
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INSIDE
IN Carlynton-Montour is a non-partisan community publication dedicated to representing, encouraging and promoting the Carlynton-Montour area and its comprising municipalities by focusing on the talents and gifts of the people who live and work here. Our goal is to provide readers with the most informative and professional regional publication in the Commonwealth of Pennsylvania.
IN Carlynton-Montour | SUMMER 2013 |
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features
Real Estate Special Section ........ | 34 CSD “Carnegie Can” Community Center ........................ | 48 on the cover
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Nearly 500 people turned out for the inaugural IN Community Magazines’ Community Awards for Service Excellence (CASE) presented by Northwest Savings Bank in the West Club Lounge at Heinz Field. IN Community Magazines honored community volunteers at the celebration. See story on page 4.
Industry Insights
Julian Gray Associates ................. | 15 South West Communities Federal Credit Union...................... | 40 Ingram Family Dentistry .............. | 52 Robinson Chiropractic .................. | 55
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community interests
The IN Community Magazines’ 2013 CASE Awards ......... | 4 Carlynton School District ............................................................... | 6
Business Spotlight
Verland .............................................. | 22 Heartland Homes ........................... | 36 Cover event photos by Carl P. Stillitano, CPS Photography
St. Philip School ................................................................................. | 14 Carlynton Offers Musical Rendition of “9 to 5” ................. | 20 UPMC Today | Health and Wellness News ...................................... | 25 UPMC Eye Center’s Laser Vision Center ................................ | 46 UPMC Urgent Care: Tips on Summer Sun Safety ................ | 56 Features
Annual 5k Run/Walk Annual 5k Run/Walk Helps Raise Vital Funds to Support Fire Department... | 17
We Want to Cover You! Do you have an event coming up that you’d like to publicize? Do you have an event that you want us to cover? Let us know! Go to www.incommunitymagazines.com/events and fill out the form. Events will be announced in the upcoming issue. If our deadlines don’t match yours, we may decide to send our photographers to cover the event for an upcoming issue. We’re looking for fundraisers, charity drives, social functions, class reunions, church festivals, awards presentations and more! If you’re not sure you have an event worth featuring, give us a call at 724.942.0940 and we’ll help you out! Carlynton-Montour | Summer 2013 | incommunitymagazines.com 3
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Inaugural
Event photos by Carl P. Stillitano, CPS Photography
CASE AWARDS Honors Unsung Volunteers
Nearly 500 people turned out for the inaugural IN Community Magazines’ Community Awards for Service Excellence (CASE) presented by Northwest Saving Bank on May 10 in the West Club Lounge at Heinz Field.
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early 500 people turned out for the inaugural IN Community Magazines’ Community Awards for Service Excellence (CASE) presented by Northwest Savings Bank on May 10 in the West Club Lounge at Heinz Field. The honorees and their guests were welcomed to the prestigious event following a short reception. A total of 111 awards were presented to individual volunteers, non-profit organizations and corporations who have demonstrated exceptional service to the community either through direct volunteer efforts or support of non-profits. They represented a cross section of both young and old from 33 different communities in western Pennsylvania. Some of the honorees traveled from as far away as Greensburg and Erie to participate. Popular anchor Andrew Stockey of WTAE-TV served as Master of Ceremonies and presented the honorees
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with their certificates. Stockey opened with some remarks on the importance of volunteerism and his own community service background. IN Community Magazines publisher, Wayne Dollard, addressed the assembly, with special thanks to his wife Lisa, his staff and to the honorees for their service. Dollard read a poem about the importance of making every moment count and finished by expressing his hope that the awards will become an annual event to recognize outstanding accomplishments in volunteering. Chris Martin, Northwest Savings Bank president of the southwest region, congratulated IN Community Magazines
on the success of the event in highlighting non-profits. Northwest Savings Bank sponsored the event. Monica Haynes, who originated the concept for the CASE awards, spoke about the process of developing the recognition program. Haynes, a former editor with IN Community Magazines, had visited a local food pantry to conduct interviews on a snowy Pittsburgh day last winter. She was inspired by the dedication of the food pantry workers, who despite treacherous, slick streets, had left their warm, safe homes to honor their volunteer commitment in order that others less fortunate might have enough food to eat.
A total of 111 awards were presented to individual volunteers, non-profit organizations and corporations who have demonstrated exceptional service to the community either through direct volunteer efforts or support of non-profits.
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IN CARLYNTON-MONTOUR Volunteer of the Year, Phyllis Comer:
2013
Case
Award s
Chris Martin, President of the Southwest Region of Northwest Savings Bank (left) poses with the CarlyntonMontour area Volunteer of the Year, Phyllis Comer.
The experience led Haynes to meet with Dollard regarding the possibility of honoring volunteers who donate their time, talents and money to improve the community. Haynes said Dollard’s immediate response was, “Let’s do it!” “I knew they didn’t do it for any recognition or fanfare,” explained Haynes, “I felt if others were able to know about what [they were doing] they might be motivated and inspired to do the same.” With a firm commitment from Dollard, the initial planning began and an appeal was placed in each of IN Community’s 37 magazines to nominate teen volunteers, adult volunteers, nonprofits and corporations who exhibited extraordinary levels of service to the community. The response was overwhelming, with hundreds of names being put forward as possible honorees. A selection committee sorted through the stacks of nominations to narrow the field to just one honoree for each category in
As a volunteer, Phyllis Comer was appointed to the Commonwealth of PA Professional Standards and Practices Commission by Governor Ed Rendell in September 2010. Other Board of Directors appointments include: Cancer Caring Center; Rotary Club of Pittsburgh; African American Chamber of Commerce of Western PA; Urban Pathways K-5 College Charter School; and the Girl Scouts Western PA Advisory Committee. Phyllis is an executive business coach with Comer Educational Consulting. Prior to her consulting career, she was a teacher in the Woodland Hills School District and served as adjunct faculty for The University of Akron. She received her B.S. from Cheyney State University and her Master’s degree from The University of Akron. Phyllis’ dedication to education includes past accomplishments such as; creating a “Lifelong Learning” program for the Southwestern Pennsylvania teachers of Distinction, coordinating curriculum for gifted and talented students in grades 1 – 8 and directing an evening tutorial program from elementary and secondary students with math and reading deficiencies. She received the Pennsylvania State Education Association Human and Civil Rights Educational Leadership Award in 2008.
There were volunteers honored from ages 13 to 86. Non-profits and corporations, both large and small, received awards for their work. every school district. (The magazine coverage area is based on school district lines.) There were volunteers honored from ages 13 to 86. Non-profits and corporations, both large and small, received awards for their work. “As someone who has managed volunteers for 10 years, it is wonderful to witness your recognition efforts of so many deserving individuals and organizations,” commented Vickie Mottern, volunteer coordinator for Brevillier Village, located in Harborcreek in Erie County.
“We are so grateful to be recognized as Small Non-Profit of the Year for Norwin,” said Jodi Fowler, one of the founders of Genre’s Kids with Cancer Fund. “Never did we imagine... that we would be at this point, developing our organization and receiving this amazing award because of our incredible volunteers – just a few years later.” “It is a great event!” said Chartiers Valley Volunteer of the Year, Susan Zuk. The night was capped off with live entertainment provided by The Clarks, as guests rocked the night away. IN Community Magazines would like to thank everyone who made the awards event possible. We would also like to congratulate all of our honorees, the nominees and even those individuals who were not nominated and yet serve on a daily basis. It is your constant devotion to helping others, which all too often goes unnoticed, that makes our communities a great place to live!
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100 Years of Learning
The afternoon celebration began with music performed by the Carlynton high school band. Members of the Carlynton boys’ and girls’ ensembles then sang the alma mater. A hearty rendition of the Crafton high school alma mater was performed by classmates from the Class of 1955, much to the delight of all, and set the tone for an enjoyable, celebratory event. Dr. Jacie Maslyk, principal, welcomed the crowd and extended an invitation for all to tour the school. Inside, visitors walked the halls, exchanged memories, gathered in groups to reflect on the past or renew friendships, leafed through yearbooks dated back to the early 1920s and enjoyed refreshments in the cafeteria. In preparation of the affair, classrooms displayed student-written research projects and drawings to illustrate ‘technology through the ages.’ The hallway walls were lined with student artwork.
Crafton Elementary School Celebrates Its Centennial A beautiful spring day brought out young and old from every corner of the Crafton community and beyond on April 27th to celebrate 100 years of learning at Crafton Elementary. Festivities began at noon with a catered luncheon for nearly 40 veterans from the area. Students in the Amazing Alternatives after-school club hosted the luncheon in an effort “to serve those who have served us.”
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1. Classmates from the class of 1995, led by Mrs. Judy Kushner, center, sing the Crafton High alma mater. 2. Students Morgan Hrinda, Claire Schriver and Julie Carothers dressed in period clothing and served as one of many young hostesses at the celebration. 3. Many took a liking to the display of yearbooks in the school’s library, perusing through pages to locate pictures of classmates and recall old times. 4. Crafton Elementary stands tall, 1913-2013 6 724.942.0940 to advertise
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Crafton Elementary’s cornerstone was laid in April 1913 and the building opened in 1914 as Crafton High School. Local architect Press C. Dowler designed the handsome Tudor-style, three-story building. The student body quickly adopted blue and gold as its school colors and the Cougar as its mascot. The yearbook was dubbed “The Gingko” in honor of two Gingko trees planted on school grounds during a ribbon-cutting celebration with dignities from the area. Students walked to school from all corners of the borough. Over the years, the building went through several transitional phases and the school’s name was later changed to The Boulevard School. In the late 1970s, a renovation and addition then made it home to elementary
students and the structure became Crafton Elementary. Much of the original façade of the building remained the same during these transformations, other than window replacements and the repositioning of the front entry. Internally, classrooms and lavatories were reconfigured to accommodate children and infrastructure for technology advancement was put into place. Future plans, as early as this summer, call for the installation of a new HVAC system with air conditioning, electrical upgrades and added security, certainly a sign of the times. Yet, the face of the long-standing structure will maintain its historical features and be forever treasured in the close-knit community that fought to keep its neighborhood school alive.
Distinguished Principal Crafton Elementary principal Dr. Jacie Maslyk learned several weeks ago she was finalist, one of the three in the Commonwealth, in the 2013 National Distinguished Principal (NDP) program. A letter arrived and was soon followed by a phone call to explain that visitors would be coming to Crafton Elementary to conduct an onsite interview and tour the school. The interview, conducted by past awardees, involved not only Dr. Maslyk, but teachers, students, parents and Superintendent Gary Peiffer. Dr. Maslyk said she was notified by letter in February that she was nominated for the award. She was asked to complete and return an in-depth compilation of information, which consisted of submitting four letters of recommendation, enumerating any professional memberships and awards, describing several community service activities and listing the three most significant accomplishments as a principal. Likewise, she was required to respond in detail to 4 essay questions. Dr. Maslyk said she was initially hesitant to respond because she had been nominated in the past but little came of it. However, building teachers and her office staff urged her to carry through. This time, the NDP program acknowledged her as a strong leader, innovative-thinker and problem solver. The onsite interview was conducted over a three-hour period. The selection committee
5. Camryn Kwaitoski asks if she can get anything for all those enjoying the veterans’ luncheon. 6. Some gathered in crowded hallways to reflect upon days of past and catch up with old friends.
appeared impressed. Dr. Maslyk was told she could expect a decision within a week. The week of May 6, Dr. Maslyk received a call and learned she came in second place. “It was truly an honor to be nominated among Dr. Jacie Maslyk all of the principals across the state. This is not a recognition for me, but for our entire school community. I am so proud that we were able to be recognized for all of the great things happening at Crafton Elementary,” Dr. Maslyk said. Dr. Maslyk has been the principal at Crafton Elementary for eight years. During that time, she has introduced the “Poetry and Math Express,”
the RtI model (Response to Intervention), and most recently, the STEAM studio. She has had several articles published in national educational magazines, has been named to the Sprout advisory committee and the MakeShop advisory committee for the Pittsburgh Children’s Museum. Dr. Maslyk has been asked to present before colleagues at both local and statewide conferences. She has been productive in bringing monies to the school through grant-writing efforts to benefit technology, the sciences and literacy. While under the leadership of Dr. Maslyk Crafton Elementary has received accolades from the Grable and Benedum Foundations. The school and its STEAM studio was the only elementary school recognized in a Kids+Creativity video sponsored by the Sprout Fund and shown to educators in Pittsburgh, Southwestern Pa, West Virginia and Ohio. Though not selected as the 2013 National Distinguished Principal, most will agree she is number one to Crafton Elementary, its educational staff and the students.
The 2013 National Distinguished Principal program is co-sponsored by the U.S. Department of Education and the National Association of Elementary School Principals, in corporate partnership with VALIC. The program honors outstanding elementary and middle-level administrators who ensure that America’s children acquire a sound foundation for lifelong learning and achievement. The program was established in 1984 to recognize and celebrate elementary and middle-level principals who set high standards for instruction, student achievement, character, and climate for the students, families, and staffs in their learning communities. Carlynton-Montour | Summer 2013 | incommunitymagazines.com 7
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H As more financial restraints are placed on educational institutions, schools are finding ways to cut the budget by limiting extracurricular activities and sports programs. At Carlynton, the superintendent and school board believe the core of an educational system is epitomized by the learning that takes place in the classroom, yet they recognize the need and value of the arts and athletics. Beyond the classroom, students illustrate school pride and personal motivation when competing on the field, in a gym, the pool or even an auditorium. Their efforts are recognized with medals, certificates and a sense of knowing they have done their best. This past spring, elementary students were selected by audition to perform at local and regional choral and
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band festivals. Carnegie students David Holderbaum and Maria Smereka and Crafton students Anya Carrasco, Kassidy Heidkamp and Arabella Hunt performed in Singfest 2013, an event to feature the vocally talented. A grand concert was held in the Moon Area School District in April and featured over 200 students from Western Pennsylvania. Talented elementary band students were also recognized with selection to the Pennsylvania Music Educators Association (PMEA) Elementary Honors Band. Crafton sixth graders Molly Badger, Morgan Harding and Arabella Hunt joined Carnegie sixth grader Rory Dougherty at this year’s festival held at Bethel Park High School on May 17-18. Respectively, the students’ instruments included percussion, bassoon, trombone and French horn. High school seniors Lana Meyer, Vincent Pistelli and Daniel Schuster took academic competition to an extreme level when meeting Peters Township and Bethel Park high school students in a head-to-head competition during KDKA’s Saturday morning quiz show, Hometown High-Q. The trio won a first round competition earlier in the school year to advance to the next round, falling to Peters Township in the playoffs.
KDKA Hometown High-Q challengers Dan Schuster, Lana Meyer and Vincent Pistelli in the KDKA studio.
Freshman Nicole Stengel broke the school record in the 100 butterfly at the WPIAL swim competition at Trees Hall Pool on the campus of the University of Pittsburgh. Nicole also made a strong gain on personal time when
competing in the 100 freestyle. Nicole, Madison Gallagher, Kelsey Ponick, Elizabeth Quinn and Jacqueline Roussos competed in the 200 medley race and the 200 freestyle at the playoff meet as well. Teammate Jared Gardner qualified for WPIALs too, competing and improving his time in the 100 butterfly. WPIAL swimming qualifiers Nicole Stengel, Jacqueline Roussos, Elizabeth Quinn, Kelsey Ponick, Madison Gallagher and Jared Gardner. The team is coached by Caitlin McManus.
H In other athletic competitions, wrestler
Freddie McKissick captured the section title in the 189 weight class and placed fourth at WPIALs. The junior also grappled at the regional
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tournament in Johnstown, Pa. The wrestling team is coached by Carlynton graduate Jesse Valentine. Along with his success on the mat, McKissick holds the leadership role of quarterback for the Cougar varsity football team.
H The high school bowling team had one of its best years and finished the season with six players bound for tournament-play. They included seniors Alex Dzadovsky, Nestor Lutsiv, Phil Meighan, junior Brittany Halpern and freshman Mackenzie Schall. Alex bowled a 299 game high during a match; team mate and freshman Dean Chubarov was the league’s only perfect game holder, but accomplished the 300 during a practice. The team is coached by MaryCay Dunmyer.
HHHHHHHHHHHHHHHHHHHHHH Carnegie Boys and Girls Club Youth of the Year awardees Brittni Moehring and Lorin Welsh.
Invention Convention participants coached by Mrs. Mary Beth Veri.
Some 140 students from 12 schools participated in the annual Invention Convention in early May. Youngsters in grades one through eight competed by submitting innovative and useful designs for a variety of self-made devices. In a scene similar to the reality show “Sharks,” teams of judges sifted through rows of display boards and essays and interviewed students. This afforded the judges an opportunity to realize the value of the invention before awarding medals and ribbons to the most creative and useful. Eleven Carlynton students represented the district in grades two, three, four and six; eight came home as winners: first place – Samyukthaa Aravinth of Carnegie and Eric Burcham of Crafton; second place – Alawna Mallory of Carnegie; third place – Azjia Gardner, Shelby Palmer and Claire Schriver of Crafton; and honorable mention – Owen Schriver and Simon Schriver of Crafton. Crafton student Jonah Hunt was awarded the coveted Triple Crown trophy for participation in three Invention Conventions.
For the second year in a row, senior Brittni Moehring has been awarded the 2013 Youth of the Year award by the Carnegie Boys and Girls Club. Brittni was recognized at a Youth of the Year Reception held in March. The award is presented to a student who is recognized for leadership, dedication, inspiration and determination to improve the local community. Brittni has been a club member most of her life. More recently she has served on fundraising teams for the club and with the Dapper Dan Youth Sports programs as a player in the basketball league, score keeper and statistician. During the same reception, eighth grader Lorin Welsh was named a Joe Gordon Youth Volunteer of the Year. Lorin has volunteered at the Boys and Girls Club for the last four years. She volunteers in the club’s after-school program as a homework helper and offers computer assistance to younger students. Lorin has been a day camp counselor and has worked with the Dapper Dan Charities Youth Sports program as a coach, statistician and youth mentor. Both Brittni and Lorin take active roles at Carlynton as well, participating in clubs and community service outreach activities. Lorin is a member of the National Honor Society and band. Brittni, upon graduating, will attend the University of Pittsburgh-Greensburg to study athletic training.
Trophy-winning hoop-shooters T’Rell Gibbs and Ashley Roessler.
Carnegie Elementary students T’Rell Gibbs and Ashley Roessler received recognition on the basketball court at the District Hoop Shoot Contest held in Braddock in February. T’Rell won a second place medal and trophy in the 8-9 year old group and Ashley captured a third place in the same age group, also winning a medal and trophy.
H With a chance to learn the political system at a loc al level, juniors Christopher Cardiello and Brittany Pifer were selected to serve as junior council members to the Carnegie Borough Council. Jazm yn Meredith, also a junior, sits on the Crafton Borough Council as a junior council person. As members, they responsibly take part in the meeting s, serve on committees and ac t as liaisons between the district an d the boroughs.
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HHHHHHHHHHHHHHHHHHHHHH Spring Royalty
To most, spring means sunshine, flowers, blooming trees and smiling faces. For Carlynton underclassmen, spring means the annual Spring Queen formal. The dance provides a special affair for those in grades seven through nine and is highlighted by the nomination of a freshman spring queen and king court. This year’s court nominees, as pictured below, were Joseph Baron, Cody Herlihy, Ryan Easterling, Dean Chubarov, Tyler Harding and Emmanuel Burton; Cameron Bogats, Holly Rodriguez, Amanda Martin, Kristine Zottola, Nicole Rave and Marin Exler. The king and queen were crowned during the dance, held April 27 in a beautifully decorated high school cafeteria. Congratulations to the 2013 spring queen Amanda Martin and king Dean Chubarov.
She has done it again! Lana Meyer Wins National Award Carlynton high school senior Elleanna Meyer has received national recognition in the 2013 Scholastic Art and Writing Awards. Lana, as she is best known by family and friends, was awarded a gold medal for the creative dramatic writing of the play “Roost.” As some may remember, this play was selected as winner of City Theatre’s Young Playwrights Contest this past fall and was professionally produced and presented live to Pittsburgh audiences. Lana’s play was identified by panels of creative professionals who sifted through some 230,000 works of art and writing. Panelists looked for works that best exemplified originality, technical skill and the emergence of a personal voice or vision. Few in the nation receive the coveted gold medal. This award places Lana among a legacy of celebrated authors and artists such as Andy Warhol, Truman Capote and Zac Posen who once received this same honor. Lana will be recognized May 31 at a ceremony at the worldfamous Carnegie Hall in New York City. The Carnegie Hall ceremony will be webcast live at 6 p.m. for the first time in history. The webcast will salute the 90th Anniversary of the Scholastic Art 10 724.942.0940 to advertise
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and Writing National Awards Ceremony. The Scholastic Art and Writing gold medal award is the crown to a long list of accolades given to this bright young lady during her high school career. She is a two-time first place finisher in the City Theatre Young Playwrights Festival Contest, a three-time Ralph Munn Creative Writer winner in fiction, and she has received several gold and silver keys for creative writings in the past two Elleanna Meyer years through the Scholastic Art and Writing Awards. This past summer, she spent several weeks crafting her writing skills at Kenyon College, Ohio, at a writing workshop. Lana was also named a National Merit Scholarship Finalist and a Shakespearean Monologue Finalist, sponsored by the Pittsburgh Public Theatre. Lana’s passion for the written word is driven by a love for books and she credits sixth grade teacher James Nagorski for shaping her penchant for writing. “He first made me believe I could pursue writing as a career,” she told school board members at a board meeting where she was recognized. In the fall, Lana will attend Middlebury University in Vermont, a college well-known for its Liberal Arts programs.
HHHHHHHHHHHHHHHHHHHHHH The Dazzling Science of
In 1665, a young college student changed the way people view white light. The student passed sunlight through a tiny slit in a window, and then used a prism to split the light into colors. As the white light went through the prism, the colors were refracted, or bent, making them disperse so they could be seen in the room. The student, named Issac Newton, proved that prisms can be used to change the course and color of light as it travels through different mediums. Courtesy of a grant through the PPG Foundation, Crafton Elementary students discovered the structure of prisms during a “Light Fantastic” program sponsored by the Carnegie Science Center. By experimenting with simple geometric-shaped glass with a triangular base and rectangular sides, students found that prisms do indeed create a dazzling display of light. The “Light Fantastic” program converted the Crafton Elementary gym into a science laboratory with tables geared for research. Parents graciously volunteered to oversee and facilitate experiments at each work 1 space. Students moved around the room in small groups to investigate the properties of color and light. spinning a small piece of paper dotted with ink from markers, they watched At one table, children were asked to use eyedroppers to filter colored the ink separate by spritzing the surface with a small amount of water. As water into small divided dishes. They then mixed the colored water and the paper was spun faster, the color became fragmented. changed primary colors into pigments of secondary colors. Another table Other tables involved experimenting with spiraling after-effects on illustrated the separation of color or the process of chromatography. By the brain, spectrums of gases set off when a small voltage surged through particles of light, polarized filters and how the application is used for 3-D glasses for movies, and reflections of light with flat, convex and concave mirrors. Marilyn Fitzsimmons is the Educational Coordinator for the Science of the Road program through the Carnegie Science Center. She said they have been to Crafton Elementary for six consecutive years and each time the children have been curious, intuitive and well-mannered. The day-long “Light Fantastic” program focused on the science behind light and color. Two separate grade-level assemblies were held in the auditorium to augment the activities in the gym and featured lasers, optical illusions and colorful blasts of fire, which, of course, were met with shrills of surprise and laughter. 3
2 1. Josh Weimer, Jane Grabowski and Camryn Kwiatkowski, fifth graders, combined colored water in small dishes before mixing the colors to create a new pigment. 2. Nicholas Simcic found it was more difficult to trace a pencil through a maze while looking at the reflection in a mirror. Facilitator and parent Chris Simcic used a sheet of paper to prevent Nicholas from viewing the maze during the challenge while Ela Aydin waited her turn to give it a whirl. 3. Fifth grader Peyton Ensworth wore dark glasses and held two pieces of polarized filters up to the light to watch as waves of light changed, much like that of glare-reducing sunglasses or 3-dimensional glasses. Carlynton-Montour | Summer 2013 | incommunitymagazines.com 11
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As one of its community service projects, high school honor society members joined with the Wrapped in Love Foundation to make hand-tied blankets for cancer patients. Founded by Darvina Emmerich, the program is designed to “blanket the world with love” and was inspired by the memory of James Emmerich who lost a battle to cancer several years ago. The blankets are made from a kit which students purchase for a nominal fee. They worked in pairs to align two large pieces of brightlypatterned, soft fleece and then cut five-inch slits into the two layers of fabric on all four sides. Starting from opposite corners, the couple begins tying square knots
between the two layers, working their way around the rectangular shape. Once completed, the blankets are carefully folded. For a personal touch, students wrote a message on a paper tag. The tag was attached to the blanket with a ribbon. This year, members of the honor society made 51 blankets. Mrs. Emmerich was present to watch the work in progress and gathered up the finished blankets. She is responsible for delivering them to cancer patients in local hospitals. “The blankets made by these young teens are most appreciated by adult cancer patients,” Emmerich said. “They seem to gain a sense of peace and comfort from the blankets, especially after reading the personal notes on the tags.”
1. NHS officers Laura Toney, Grant Schuler and Rose Doyle and NJHS Megan Blackwell and Brianna Oddi display their finished blankets. 2. National Honor Society members Laura Toney and Kelsey Ponick worked from opposite ends to tight knots around the edge of the fabric to make a blanket. 3. Jacqueline Roussos, Jessica Rave and Kelly Jones selected tags to write a personal note. The tag was then attached to the finished blanket.
Read Across America: Celebrating Books
The elementary schools celebrated Read Across America in early March in recognition of the birthday of Dr. Seuss. Week-long activities were held to encourage reading and the celebration culminated with a Family Reading Night at both Carnegie and Crafton Elementary to do just that. Families gathered to take part in book-related scavenger hunts, activity rooms and ended the evening with a chance to purchase reading materials at a book fair. During the week, guest speakers visited classrooms to read to students or authors Skyped into the school to read and discuss their books. At Carnegie, every student was gifted with a special age-appropriate hard-back book. Crafton students were treated to a “Reading with Rover” afternoon when nearly a dozen gentle canines visited classrooms Several Carnegie Elementary primary and joined students while classes gathered in one classroom to listen to Superintendent Gary Peiffer read reading. Students also learned “The Little Engine That Could.” about dog care and handling. 12 724.942.0940 to advertise
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Dominick Beglinger learned how to properly brush Brandy, a red-coated English setter, while she was held by her handler.
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Embracing Diversity and Celebrating Differences At the beginning of April, every grade level at Carnegie Elementary was assigned to study a different country, representing a variety of indigenous groups residing in the community of Carnegie. The ethnic groups were identified with the help of Carnegie Mayor Jack Kobistek. With that began a month-long interactive project that incorporated the study of cultures, languages, customs, traditions, artwork, folklore and more. The activity encompassed many areas of the curriculum. Students researched and wrote essays, read folk tales, created designs in art, learned traditional dances in physical education classes and sang ethnic songs in music. Some of the older students learned words and phrases in unfamiliar languages. The teachers were supportive of the project and readily offered guidance and inspiration to the students, said Carla Hudson, principal. The assignment was also aligned to reflect and accept differences between one another and those in the world as an extension of the school’s Olweus anti-bullying program. The entire educational experience was used to embrace diversity by developing an understanding of the distinctions in cultures and customs. At a fundraiser at the end of April, the Barnes and Noble Bookstore in Settlers Ridge granted permission to exhibit the diversity assignment. The evening event showcased artwork created by students as well as written essays. Videos were featured with children folk dancing in gym classes and singing in the music room. Patrons of the store and Carnegie families were able to view a wide variety of visual • Kindergarten: Italy presentations. • First grade: Kenya, “It was wonderful to see the excitement of our students when showing families Ghana and Egypt and the customers at Barnes and Noble what they had learned and produced,” • Second grade: China recalled Mrs. Hudson. The projects and videos were again on display May 20 during a community day at the school.
During the diversity assignment, Carnegie Elementary students embraced the cultures of the following countries:
Online Weather Center Offers Learning Resources
• Third grade: Poland • Fourth grade: India • Fifth grade: Ireland • Sixth grade: Ukraine
A WeatherBug system was installed at the junior-senior high school building in February. The tool provides a wealth of resources to students district-wide. Access to WeatherBug Achieve can be gained through the district website at www.carlynton.k12.pa.us. The link offers a weather tracking station which includes radar and satellite maps, camera time lapses and precise local forecasts. Students can study cloud formations, dew points, the heat index and other weather-related systems. The resource has already proven to be a great addition for classroom learning. As an added value, the Carlynton School District is referenced when KDKA-TV News uses the camera as a resource during its weather forecast. Carlynton-Montour | Summer 2013 | incommunitymagazines.com 13
St. Philip School America Bowl
Kindergarten Teacher receives
Golden Apple Award The Diocese of Pittsburgh has announced that St. Philip Kindergarten teacher Sharon Shipley has been selected to receive the prestigious Sharon Shipley Golden Apple Award which symbolizes excellent performance in the classroom, church and community. Mrs. Shipley has been dedicated to St. Philip School for nearly 30 years and, in addition to shepherding the Kindergarten and Preschool programs, began and manages the Afterschool Program and Summer Camp. She and her husband Wayne are tireless volunteers at both St. Philip School and their Parish, St. Columbkille. Mrs. Shipley is the 5th St. Philip teacher to receive this honor as well as St. Philip Principal, Sr. Geri Marr, S.C.
Erin Sheedy, Maggie Leone, Ana Petrak, and Harrison Klein
St. Philip School’s America Bowl team took 3rd place at the event sponsored by Baldwin Whitehall High School. From among over 200 participants the team of Maggie Leone, Harrison Klein, Erin Sheedy, and Ana Petrak claimed 3rd place by answering individual and group questions about U.S. and Pittsburgh Government, Geography, History, and Landmarks.
Computer Fair
Maggie Leone and Ana Petrak
Thirty St. Philip 6th, 7th, and 8th grade students presented their computer projects at the Carnegie Science Center at the AIU3 Computer Fair. In addition to exhibiting their displays, the students toured the Science Center and viewed the OmniMax Theater as guests of the Fair. Special acknowledgement goes to 8th graders Maggie Leone and Ana Petrak who took First Place in the category of Web Design and will be representing AIU3 at the State Computer Fair near Harrisburg on May 22nd.
Design Lives Here
Thirty-four of St. Philip 6th, 7th, and 8th grade students participated in the Design Lives Here competition sponsored by WQED and the Engineers’ Society of Western Pennsylvania. Design is an exceptional educational opportunity that builds problem-solving skills and introduces students to the science of engineering. Mentored by John Wattick, a civil engineer from Michael Baker Engineering, the students completed 4 design tasks at school including creation of an invention which they presented at the Inventionland Final Design Challenge. Besides pitching their inventions to a panel of real life inventors from the Inventionland staff, the children were required to make a Dixie cup zip line, marshmallow moon lander, and survival tent from trash bags and duct tape. St Philip students were part of the 1st, 2nd, and 3rd place winning teams as follows: 1st Place - Chuckie Rakaczky, Julian Bonds, and Mike Mikush. 2nd Place - Maddie Hoff, Briana Patterson, and Corinne McDevitt. 3rd Place- Luke Rattay, Eric Ashby and Jack Pulford. Maddie Hoff, Corinne McDevitt, and Briana Patterson had special distinction of having their invention, The Folding Lunch Box, chosen as one of the 3 best inventions of the competition.
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Industry Insight
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Annual 5k Run/Walk Helps Raise Vital Funds to Support
Fire Department O
n an early Saturday morning in spring, the Annual Carnegie Volunteer Fire Department 5K Run / Walk fills the streets of Carnegie with avid runners and recreational walkers of all ages, including men, women, young children and even pets. The goal of this race is to help raise funds for the men and women of this outstanding volunteer service. In order to give back to those who arrive in the time of need, the community comes out in stride to support all who risk their lives to make our neighborhoods a safer place. As of April 27, 2013, this yearly event has grown, by word of mouth, to impressive capacity, from a group of 150 to nearly 600 eager participants. From the first race in 2008, the exposure of this event has not only given Carnegie residents a chance to bond with one another, but has also allowed visitors from all over the region to support a common goal and interest. Participants recognize this is not only an event for one sole person to triumph, but each individual who takes part, whether runner, walker or volunteer, is a winner. With the Volunteer Fire Department (VFD) being such an
Photos b y Tiffany p , Critt’NDesig nPhotography
Continued on page 18
Carlynton-Montour | Summer 2013 | incommunitymagazines.com 17
From the first race in 2008, the exposure of this event has not only given Carnegie residents a chance to bond with one another, but has also allowed visitors from all over the region to support a common goal and interest. Continued from page 17 essential organization to the community, coordinators of this event have incorporated other neighborhood groups, such as local students, civic groups, business owners, residents and Borough officials and staff to help bring this event full circle. All of these individuals have generously contributed their time and effort towards making this event into a safe, competitive, exciting, and friendly atmosphere. A significant component in the fundraising success that the 5K has achieved has been Carnegie Police Chief Jeffrey Harbin. Hitting the pavement in the early winter months, the Chief begins setting all the pieces in motion for a late spring start. Route designation, participant registration, seeking public support, gathering donations, creating public awareness, and contacting new participants are only a few of the tasks conducted by the Chief. Being a seasoned runner, the Chief not only spearheaded this event as a fundraiser for the VFD, but it is his objective to encourage healthy activities and promote the welfare of Carnegie and the neighboring communities. After six successful races and nearly $70,000 in funds raised, this event will continue to grow and build upon its first class reputation. It gives participants a chance not only to involve themselves in a worthy cause and a health conscious activity, but also gives them an opportunity to bond with one another and view the sights and sounds that Carnegie Borough has to offer. The success of the Annual 5K Run / Walk has truly given participants a yearly event to look forward to that serves all who are involved to the fullest extent possible. A sincere thank you goes to the Carnegie Volunteer Fire and Rescue Bureau and all who have contributed towards giving back to the Carnegie community!
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Carnegie Volunteer Fire and Rescue Bureau 201 West Main Street Carnegie, PA 15106 412.276.4355 The volunteers in the Carnegie Volunteer Fire and Rescue Bureau (CVFRB) have been serving the Boroughs of Carnegie and Pennsbury Village since 1972 with fire and emergency medical services. Located at 201 West Main Street, the fire and rescue bureau volunteers remain on stand-by for emergency calls, as well as for all hometown sporting events, festivals and other community activities. The CVFRB consists of 35 volunteer members and they are always in search of dedicated recruits. Training for volunteers includes 100 to 150 hours of yearly in-house training along with additional training offered through the Allegheny County Fire Academy, Community College of Allegheny County, and the Pennsylvania State Fire Academy. Carnegie Volunteer Fire and Rescue Bureau is also involved with community focused programs including fire prevention programs for local day cares and schools. Also provided to the public is smoke alarm assistance for the elderly residents within the community. As of 2012, the fire company answered 340 calls throughout the year. For any questions or information regarding the Carnegie Volunteer Fire and Rescue Bureau, please call 412-276-4355.
Carlynton-Montour | Summer 2013 | incommunitymagazines.com 19
Carlynton Offers Musical Rendition of “9 to 5” M Cast of 9 to 5 Violet Newstead - Lana Meyer Doralee Rhodes - Lindsey Lawrence Judy Bernly - Maggie Smith Franklin Hart, Jr. - Seve Rodriguez Roz Keith - Jennifer Hirschinger Joe - Josh Smith Dwayne - Grant Schuler Missy Hart - Emily Burch Maria - Cassie Clark
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Dick - Ben McGuigan Kathy - Rachel Hedges Margaret - Natalie Thomas Bob Enright - Tyler Piper Tinsworthy/Detective - Aidan Meyer Doctor - Jared Latta Candy Striper - Marin Exler New Employee - Brooke Buzza Cop - Dean Chubarov Intern - Greg Schock
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ost people know “9 to 5” as the 1980s comedy featuring Dolly Parton, Jane Fonda, Lily Tomlin and Dabney Coleman, but nearly 30 years later, it became a Broadway hit, followed by a successful tour across the United States. Currently it’s touring the UK, but the Carlynton School District provided its own rendition this spring for welcoming audiences. The musical features three working women who are forced to deal with their less than admirable boss, resulting in a hilarious comedy of errors.
photos by Kathy Rudolph
For more pictures from this event, go to our Facebook page: www.facebook. com/ICMags. Want us to cover your event? Let us know @ICMagazines
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Business Spotlight
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Kennedy Garden Club
Serve the Community Continues to
By Matthew J. Fascetti
L
uther Burbank, a botanist and pioneer in agricultural science, once said, “Flowers always make people better, happier, and more helpful; they are sunshine, food and medicine for the soul.” The 30 members of the Kennedy Garden Club couldn’t agree with that statement more. The club’s objective is to stimulate knowledge and interest in gardening throughout nearby communities. Currently the club consists of women, mostly between the ages of 65 and 90. However, the club is open to men and people of all ages. The group meets the second Tuesday of every month at Ken Mawr United Presbyterian Church in Kennedy Township. Much of the club’s effort is put towards beautifying the area through planting flowers, and fundraising for good causes. The Kennedy Garden Club plants two huge planters at the Ken Mawr United Presbyterian Church and plants a beautiful display of flowers at the Father Ryan Arts Center in McKees Rocks, just to name a few. The club also provides goodie bags for Meals on Wheels and offers scholarships to local high school students. Anna Jane Bayer, Secretary and Director of Publicity for the Kennedy Garden Club, is happy to be a part of it. “I have always had an interest in gardening and have been very active with it,” she said. “A friend of mine was a member of the club, so I initially ended up donating. Then I decided to become a member. It has been a gratifying experience to be part of the club. I enjoy seeing the good that we do in the community.” Judy Fritzges is President of the club. Additional officers include Binker Rauschart, Joyce Gutt, Joyce Gray, Nancy Kelley, Betty McDermott
and Audra Pacella. The big day of the year for the Kennedy Garden Club is the annual Plant and Bake Sale, which was held this year on Saturday, May 11. Each year the sale includes annuals, perennials, hanging baskets, silk arrangements, crafts and baked goods. The event also included raffles and prizes. Funds raised each year support the club’s efforts to beautify the community by planting at The Willows, Caring Heights, Serenity Garden behind McDermott’s Funeral Home, Father Ryan Arts Center and Fairhaven Park. Kennedy Garden Club has a rich and proud history. On May 22, 1923 a group of women met with the President of the Allegheny County division of the Women’s National Farm and Garden Association to organize the Kennedy Continued on page 24
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Continued from page 23 Township Farm and Garden Club. The first Tuesday of the month was the selected meeting day at the old Ken Mawr School (Allegheny Valley School building on Pine Hollow Road). The dues were $2 per year. One of the first civic tasks was to promote the cleaning up of a local garbage dumping ground. Several months after the club was organized they held their first flower show. Cherry trees were planted along the drive of the newly built Ohio Valley Hospital. During World War II the members of this newly formed club promoted victory gardens, and through Civilian Defense they sponsored and directed the hospital canning project, canning 5,600 quarts of fruits and vegetables each year. Through the years the members have planted shrubs and trees in Fairhaven Park and surrounding areas in the township, including Caring Heights (formerly Sycamore Nursing Home) and Assisted Living at The Willows. The club recently acquired a small piece of land in the Serenity Gardens behind McDermott’s Funeral Home to be used as a memorial garden for deceased members. The group has always encouraged others to join in beautifying the local landscape by presenting awards for excellence in landscaping done by businesses as well as residents. The club has always been and continues to play an active role in our community. It’s gardens are a little piece of the world that they first plant for their own enjoyment and then share the rewards with many in the community. The Kennedy Garden Club is always open to new individuals interested in
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joining the club. The monthly meetings incorporate their love of gardening through guest speakers, demonstrations, horticultural reports and craft projects. Meet new friends and spend time socializing over a delicious lunch prepared by that month’s hostesses. If you are new to our community, have an interest in gardening, or are just looking for something different to enjoy, you are welcome to attend one of our monthly meetings, FREE OF CHARGE. If you are interested, please submit your information via the contact page at www.kennedygardenclub. com, and a club representative will be in touch.
UPMC TODAY
Health and Wellness News You Can Use | Summer 2013
What’s Inside 2 3
With Heartfelt Thanks
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Health Care Reform: We Have the Plan
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A Closer Look at Medical Imaging
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Is Assisted Living the Right Choice?
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Smart Tips for a Safer Summer
Becoming a Whole New You
© 2013 UPMC
With Heartfelt Thanks A local sports fan expresses thanks to fast-acting strangers and his UPMC Mercy medical team for a second chance after surviving a near fatal cardiac arrest earlier this year.
According to the Sudden Cardiac Arrest Association, SCA is the nation’s leading cause of death, killing more than 325,000 people each year. During SCA, heart function ceases abruptly without warning. More than 90 percent of SCA victims die because the heart cannot pump blood to the rest of the body. At UPMC Mercy, cardiac electrophysiologist Stuart Mendenhall, MD, implanted an internal defibrillator — a device that will shock David’s heart if he goes into cardiac arrest again. Dr. Mendenhall says SCA can strike with little or no warning. While it is more common in older adults, SCA affects people of all ages, gender, and race — even those who are seemingly in good health. Knowing the risk factors and leading a hearthealthy lifestyle can help prevent some possible causes, including coronary heart disease.
Do the right things “Awareness is key. You can significantly lower your risk by staying active, eating healthy, and not smoking,” says Dr. Mendenhall. “If you have risk factors, see a doctor for an evaluation.” Although David’s only warning was shortness of breath, he had several risk factors, including high blood pressure, high cholesterol, and a family history of heart disease.
David Allen, 66, was walking uphill to the CONSOL Energy Center for a Penguins hockey game when he felt short of breath. That’s the last thing he remembers until waking up in the Emergency Department at UPMC Mercy. David had survived a sudden cardiac arrest (SCA). A fast-acting team of strangers — an off-duty Pittsburgh police officer and an ex-Army medic who together performed CPR, a bystander who ran for help, and a hotel bellhop who grabbed a defibrillator — saved his life. At UPMC Mercy, doctors determined he had experienced an electrical “short circuit” due to an irregular heart rhythm, or arrhythmia.
A rare second chance “I was lucky people were around who knew CPR and were willing to get involved,” says David, a Beaver resident. Christopher Wentz, MD, a cardiologist from the UPMC Heart and Vascular Institute at UPMC Mercy who treated David, says SCA is a serious medical emergency. “Most people don’t get a second chance,” he says. “You can die within minutes if not treated.”
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David says he’s not wasting his second chance at life. The former pack-a-day smoker kicked the habit immediately and plans to start exercising. “I’m going to do a better job of taking care of myself. I owe that much to everyone,” he says.
Who’s at risk If you experience any of these symptoms or risk factors, ask your doctor whether heart testing or evaluation by an electrophysiologist or cardiologist is necessary. • A family history of heart disease, heart attack, or cardiac death • Unexplained fainting, near fainting, or palpitations • Chest pain, shortness of breath • Previous heart attack or SCA • Cardiac risk factors, such as high blood pressure, diabetes, obesity, smoking, or high cholesterol To learn more about cardiac and vascular services, visit UPMCMercy.com and click on Our Services. To schedule an appointment with one of our physicians, call 1-800-533-UPMC (8762) or visit UPMC.com/FindADoctor.
Becoming a Whole New You Struggling to lose weight or keep it off? The UPMC BodyChangers program can change your body and your life.
Larissa Myaskovsky figures she tried about a dozen diets over 20 years, losing weight only to regain lost pounds. It wasn’t until she enrolled in the UPMC BodyChangers program that she saw lasting results. “BodyChangers was different,” says Larissa, 42, a borderline diabetic who wanted to lose weight without surgery. “It helped me realize losing weight is a permanent lifestyle change. It gave me the tools I needed to succeed.”
A healthier lifestyle Based at Magee-Womens Hospital of UPMC, and a joint venture of the UPMC Life After Weight Loss and bariatric surgery programs, BodyChangers provides a social support system to promote healthy lifestyles. “We offer a comfortable environment for people who want to maintain weight loss — and become healthy and fit,” says Jeffrey Gusenoff, MD, a plastic surgeon at Magee and co-director of BodyChangers. Designed originally for bariatric surgery patients, BodyChangers now supports anyone needing help with their weight loss journey. The program includes: • An exercise class with a personal trainer who tailors activities for each individual • Group sessions with a behaviorist who teaches coping skills • Yoga and belly dancing classes • Cooking classes and “Destination Education” trips to community places, like grocery stores and markets • Group activities, such as biking, kayaking, and walking “We’re showing people different ways to achieve wellness and have fun,” says Vicki March, MD, an internist at Magee and co-director of BodyChangers.
A turning point The program appealed to Larissa, an O’Hara Township resident with two young children and a full-time job. She signed up for BodyChangers’ basic free membership, which includes a newsletter, recipes, and educational seminars. She also attended optional cooking demonstrations and met with a nutritionist. “It was a turning point in my thinking,” says Larissa, who lost 65 pounds and at 5’1” is now a healthy 115 pounds.
BodyChangers saved my life For Beth Walley, 49, of Carnegie, BodyChangers was a lifechanging experience. Having lost and regained a great deal of weight on various fad diets, she knew she was in trouble when she couldn’t keep up with her elderly mother at the grocery store. With her weight topping 400 pounds, she joined BodyChangers to prepare for bariatric surgery, but soon started attending other classes and events. Beth lost 50 pounds prior to her bariatric surgery in January 2012, and she is now down to 170 pounds. “The support I received through BodyChangers was key to my success. I feel great,” says Beth. “BodyChangers saved my life. It changed my body and my mind.” Basic membership includes free educational seminars and a newsletter. Other BodyChangers membership levels range from $25 to $50 a month. To learn more, call 1-855-BODY-CHG (263-9244) or visit UPMC.com/BodyChangers.
Interested in learning more about UPMC’s bariatric surgery programs? Free information sessions are offered several times a month at Magee, UPMC Hamot, UPMC Horizon, and UPMC St. Margaret. Visit UPMC.com/Bariatrics for more information.
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Health alth Car Care re e Reform: Refform: We We Have Have the th Plan UPMC Health Plan has cr created eated a w website ebsite tto o pr provide ovide inf information ormation tto o help y you ou learn ho how w health car care e rreform eform ma may y aff affect ect y you ou and y your our ffamily. amily.
The formal name for health care reform is the Patient Protection and Affordable Care Act (PPACA or ACA). Signed into law in March 2010, the ACA made broad changes to the way health insurance will be provided and paid for in the United States. Several important reforms have been adopted since then. Extended coverage for dependents, full coverage for preventive care, and plain-language coverage explanations were all prompted by the ACA. In 2014, more parts of the ACA will go into effect, including the Health Insurance Marketplace (Marketplace) designed to help you find health insurance that fits your budget. According to the ACA: đ Marketplaces must be operational for open enrollment by October 2013 đ Each Marketplace will have Navigators to help people enroll đ Marketplace plans will be presented in only four cat i (platinum, gold, silverr, and bronze) to help consumer compare plans from different providers
Health car care e rreform eform and yyou ou Health care reform will affect nearly everyone. The qu most people are asking is how health care reform will them personally. To To help you better understand tand chang related to the ACA and the resulting effect on health insur UPMC Health Plan created an informative website. The consumer-friendly site offers unbiased information about Marketplaces and other elements of health care refor wide range of people, including: đ Individuals and family members who want to learn
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đ Health care providers treating patients in this new environment đ Employers looking for coverage for their employees đ Producers who sell insurance plans to companies and individuals đ Marketplace Navigators who are responsible for providing impartial advice on how to choose among competing plans On the website, you will find the answers to basic questions, such as: đ Who can get health insurance? đ What will be covered? đ Where can I shop for insurance? đ When will changes happen? đ What financial assistance is available? UPMC Health Plan’s website and support staff are committed to providing an unbiased forum in order to make health care reform easier to understand and to explain what changes can be expected as our nation continues to implement the ACA.
A Closer Look at Medical Imaging Medical imaging plays an integral role in diagnosing medical conditions of all kinds — from broken bones to life-threatening tumors. UPMC radiologists are leaders in helping to ensure both quality and patient safety during testing.
Medical imaging lets your doctor take an immediate and detailed look deep inside your body. More than 200 noninvasive tests are used to diagnose medical problems that once required exploratory surgery — or simply went undetected.
Types of medical imaging Imaging tests that use ionizing radiation include: • Computerized tomography (CT scan) • Mammography • Radiography (x-rays)
For women preparing to schedule their next annual mammogram, Jules Sumkin, DO, chief of radiology at Magee-Womens Hospital of UPMC, emphasizes that nothing is more regulated in medical imaging than mammography. “There are very strict guidelines, and UPMC has always operated at or below established national standards for radiation exposure, ” he says. “New technologies like digital mammograms further reduce what are already very low radiation levels.”
Others use a different form of energy: • Magnetic resonance imaging (MRI) — uses magnetic fields • Ultrasound — uses sound waves As the use of diagnostic tests increases, there’s growing research on their long-term impact on patient health. That’s especially true for radiation-based tests and their possible link to cancer. “Many medical professionals are concerned about some of the methods used to calculate the risk posed by such tests, and the confusion it’s creating among patients,” says Mitchell Tublin, MD, chief of radiology at UPMC Presbyterian and a leading expert on CT scans. “It’s important to talk to your doctor before deferring a test so that you clearly understand both the risks and benefits offered.”
Setting the standard nationally UPMC has one of the largest radiology programs in the United States, and its radiologists include some of the nation’s leading authorities on medical imaging safety. “On many fronts, we are helping to define the national safety standards for both patients and health care personnel,” says Emanuel Kanal, MD, director of magnetic resonance services at UPMC Presbyterian, whose innovative work on MRIs has been adopted by both the Food and Drug Administration and the American College of Radiologists. “As a health care system, UPMC is continually investing in research, training, and equipment to minimize patient risk, such as radiation exposure from medical imaging,” says Christopher Deible, MD, PhD, medical director of radiology informatics at UPMC Presbyterian. “We’re also working to standardize imaging services at all UPMC hospitals, following best practices, and participating in national reporting initiatives.”
What can you do to be proactive? “Ask your doctor if a nonradiation test — like an MRI or ultrasound — can be substituted. That’s not always possible, though, since tests like CT scans may provide a higher level of detail that could be essential in some conditions,” says Janet Durick, MD, vice chair of clinical operations for the Department of Radiology for UPMC. “You should also ask if a test is truly needed — and don’t be disappointed if your physician doesn’t order an imaging test for a condition that could be addressed through a medical examination.” For more information about imaging safety for adults and children, visit Radiologyinfo.org, Imagewisely.org, or Pedrad.org.
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Is Assisted Living the Right Choice? For seniors and their families, assisted living can offer the ideal solution when extra help is needed for life’s daily activities.
Terry Schwartz of North Huntingdon was dogged in her search for the perfect living facility for her mother, Ethel Yanowitch. “For six years, Mom lived with our family, so I wanted a place that truly felt like home — but where she could also get the increased care and supervision she needed,” says Terry.
“Assisted living is tailored for seniors who need help with daily living activities, such as dressing, grooming, walking, and taking medications — but who don’t require skilled nursing care,” explains Deborah Brodine, president of UPMC Senior Communities and Community Provider Services.
After visiting 10 different senior care facilities, she chose UPMC Senior Communities’ Weatherwood Manor in Greensburg. Mrs. Yanowitch, 90, has been a resident there for two years and, Terry says, “It has exceeded our expectations in every way. Mom loves it there.”
Each UPMC facility provides on-site nursing care and medication management. All residents have spacious apartments with private baths and kitchenettes. Three restaurant-style meals are served daily. Before moving into a UPMC Senior Communities assisted living facility, residents are carefully assessed and individual care plans are created for them. “Because our health and lifestyle needs change as we age, residents also receive regular assessments to ensure they’re receiving the best possible care,” she adds. To learn more about UPMC Senior Communities assisted living options — as well as the personal care facilities at Canterbury Place in Lawrenceville and Sherwood Oaks in Cranberry — visit UPMCSeniorCommunities.com.
Understanding Assisted Living Personal care homes and assisted living facilities once meant the same thing in Pennsylvania — but that’s no longer the case.
Terry Schwartz and her mother, Ethel Yanowitch
For Terry and her mother, assisted living represents the “best of both worlds.” It offers an increased level of services while encouraging and supporting residents to be as independent as possible through activities and socialization. UPMC Senior Communities offers assisted living options at: • Cumberland Crossing Manor, McCandless • Seneca Manor, Penn Hills • Strabane Woods, Washington • Weatherwood Manor, Greensburg
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Pennsylvania now distinguishes the types of basic services that can be provided by personal care and assisted living residences. One of the fundamental differences is that assisted living facilities must provide health care services that will enable the residents to “age in place” as their health declines and their care needs change. Weatherwood Manor recently received licensure as an assisted living facility under new state guidelines. UPMC Senior Communities’ Cumberland Crossing Manor, Seneca Manor, and Strabane Woods also are converting from personal care to assisted living licenses. “Assisted living community licensure is an expression of UPMC Senior Communities’ commitment to offering older adults and their families the kind of continuing care they need and depend on to safely and confidently age in place,” says Ms. Brodine.
Smart Tips for a Safer Summer During the summer, UPMC Mercy sees an increase in its number of emergency, burn, and trauma patients. Learn what you can do to stay healthy and safe this summer.
At the region’s only combined Level 1 Trauma and Comprehensive Burn Center, UPMC Mercy’s physicians and staff know from experience that treasured summer traditions can lead to serious, life-changing injuries. “Accidents can happen in a split second, but with caution, many can be prevented,” says Michelle Fontana, BSN, manager of Trauma Clinical Services at UPMC Mercy. As a Level 1 Trauma Center, the hospital is focused on providing the highest quality trauma and burn care in western Pennsylvania, as well as leadership in education and community outreach. “The UPMC Mercy Trauma and Burn Center offers injury prevention programs year-round, including a free fireworks safety clinic in July,” adds Ms. Fontana.
Fireworks Each year, thousands of people are hurt by fireworks, which can cause severe burns, scarring, permanent disfigurement, blindness, and death. Even sparklers can be dangerous. “The tip of a sparkler burns at 1,200 degrees, hot enough to cause a third-degree burn,” Ms. Fontana explains. To enjoy fireworks safely: • Don’t buy or use illegal fireworks. Only use fireworks permitted under state law • Take the family to watch a professional fireworks display in your community • Teach your children to stay away from firecrackers, sparklers, and other fireworks For more information about fireworks safety, contact the UPMC Mercy Trauma and Burn Center at 412-232-8375.
A Life-Saving Difference According to a study by the National Institutes of Health, severely injured adults who receive care at a Level I Trauma Center like UPMC Mercy are 25 percent more likely to survive than those treated at a nontrauma center.
Here are a few ways you and your family can avoid injury while enjoying two of summer’s favorite outdoor activities:
Riding ATVs As the popularity of all-terrain vehicles (ATVs) has increased, so have the number of accidental injuries, especially to the head and spine. “ATVs are powerful and potentially dangerous vehicles that can cause serious injuries,” says Ms. Fontana. To stay safe on the trails, be sure to: • Always wear a helmet • Only ride off-road and avoid unfamiliar terrain • Never let children drive adult ATVs
That designation allows UPMC Mercy to provide the highest level of trauma care. “Our multidisciplinary team of experienced specialists is ready around the clock to care for seriously injured patients,” says Tom Gronow, the hospital’s vice president of operations. The UPMC Mercy Trauma and Burn Center is a state-ofthe-art unit dedicated exclusively to the care of trauma and burn patients. “It requires a serious commitment of resources to provide such exceptional care,” says Mr. Gronow. “However, there is no substitute for the medical expertise of a Level 1 Trauma Center when it comes to treating serious life-threatening and disabling injuries. We see proof of that in the lives we save every year.”
1-800-533-UPMC
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UPMC Mercy
1400 Locust St. Pittsburgh, PA 15219
UPMC Today is published quarterly to provide you with health and wellness information and classes and events available at UPMC. This publication is for information purposes only and should not be taken as medical advice or replace a physician’s medical assessment. Always consult first with your physician about anything related to your personal health.
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Don’t let a nonhealing wound slow you down. A chronic wound is cause for concern – and deserves exceptional care. The kind you’ll get from UPMC Wound Healing Services at UPMC Mercy. For conditions ranging from diabetic foot ulcers to slow-healing surgical wounds, our team of experts will develop a treatment plan that works best for you. And our wound experts are leaders in limb preservation technology and treatment. If you want to get back on your feet again, why would you choose to go anywhere else? To learn more about UPMC Wound Healing Services and see if it’s right for you, call 412-232-5744, or visit UPMCMercy.com/WoundHealing.
Affiliated with the University of Pittsburgh School of Medicine, UPMC is ranked among the nation’s top 10 hospitals by U.S. News & World Report.
Ohio Technical College Awards Scholarships to Carlynton SkillsUSA Winners Ohio Technical College (OTC), located in Cleveland, Ohio, has awarded $1,000 scholarships to each SkillsUSA contestant who placed in an automotive related competition. The following recipients were awarded: From Automotive Technology II: Brian Bennett, Cornell junior and Joey Laird, West Allegheny junior. From Auto Body Repair II: Jake Onoffrey, Montour junior, Robert Gilligan, Cornell senior and Derek D’Amore, West Allegheny senior. Each year, OTC has rewarded students with scholarships who have placed at the regional and state competitions. Students placed at states received cash awards in the amounts of: 3rd place, $8,000; 2nd place, $10,000; and 1st place, $12,000. Those awards add up too. Two years ago, Auto Body Repair II had a student win 1st place at both the regional and state levels. After
graduating, he managed to receive his post-secondary education at OTC on a full scholarship! Other students have also benefited from OTC’s generous scholarship program and have enrolled in one of their programs because of it. PWCTC is appreciative to OTC in recognizing our student’s talents.
Mayor for the Day Adam Haas, a Carnegie Elementary 4th grade student, received a proclamation and medal from Carnegie Mayor Jack Kobistek proclaiming him mayor for the day. His duties for the day included flipping the switch to light the tree during Carnegie’s Light Up Night to officially start the holiday season.
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Real Estate IN Carlynton-Montour Real estate is a big part of our lives. For the vast majority of us it is the biggest purchase we will ever make, as well as the largest investment. Not to mention the fact that our purchase is “our home”…the place we laugh, cry, raise children, share timeless memories with friends and family and so much more. So it is very important that we understand every aspect of the selling and purchasing of a home. This includes mortgage and finance information, curb appeal, new housing developments and new ways to look for homes.
CURB APPEAL Curb appeal is a well-known term that refers to the attractiveness of the interior and exterior of a home. While the term seems overused, it is a very real phenomenon. The old saying goes, “You only get one chance at a first impression.” This phrase perfectly explains the importance of curb appeal. When someone pulls up to a house for the first time, things like paint, landscaping, carpeting and light fixtures, just to name a few, make a huge difference in the person’s opinion. It is much harder for most people to envision the potential of a home when unattractiveness abounds everywhere they look. Most people looking at a home make a snap judgment the moment they enter the property. Sure, these snap judgments can be changed with other positive attributes, but why take the chance when adding curb appeal can be so easy and costeffective?
Real estate by the numbers IN CARLYNTON MONTOUR
Homes for Sale: 87 Recently Sold: 92 *Data provided by Realtor.com. Data presented is representative of the time of publication. For up-to-date information, go to Realtor.com.
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Curb appeal can be accomplished by any number of methods including exterior decorations, repainting, extensive attention to the landscaping, timely grass cutting, new or even recently professionally cleaned carpeting, new hardware on the kitchen cabinets, new stain on a rear deck, new exterior and interior light fixtures and de-cluttering of the interior of the home. Always think of curb appeal when marketing your home or looking at a new home. It may not sell your home on its own, or entice you to buy a home on its own, but it does make a difference. You won’t be sorry because it is worth the time and relatively low cost.
STAGING Selling a home requires more than a “For Sale” sign. Competition is fierce, and if you want the best offers and your home to sell quickly, home staging is essential. Staging involves cleaning, de-cluttering, and decorating a home so it appeals to buyers. Never confuse decorating for staging. Décor is an expression of a particular style, while staging is a strategy. According to www.globalspan.net, there are five basic steps to staging your home. #1 - Clean. Your home must sparkle! To achieve this level is often only feasible by hiring a cleaning crew. In fact, having a cleaning service return weekly while your house is for sale is probably a pretty good investment. Get your windows professionally cleaned inside and out too. #2 - Fix. Got a dripping faucet or a cracked tile? These will send the wrong message to potential buyers. Getting them fixed before you put your house on the market is a smart idea. #3 - Eliminate Clutter. The “50% Rule” requires that you eliminate the clutter in your home by at least half. This may be the hardest rule of all! We love our clutter – it reflects our memories, hobbies, and values. But it doesn’t sell homes!
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Clutter makes homes seem smaller and disorganized. (Have you ever noticed that the really expensive stores seem to have an expansive, clutter-free layout, while “cheap” stores are often a jumble of merchandise?) Even the ancient practice of Feng Shui has as a central focus the elimination of clutter. #4 - Go Executive Neutral. Neutral colors sell. It’s a fact. Try to convey an image of quality and neutrality. Potential buyers walking through your home want to imagine themselves as the owners. If you use styles or colors they would never select, you’ve just turned them off. Staying high-quality, but neutral is safest. #5 - De-personalize. Remove objects that your potential buyers won’t be able to identify with. For example, political and religious items may turn off whole groups of buyers, because they cannot “imagine” your home as their home. Buying a home is an emotional decision, and you want potential buyers to make an emotional connection with your home by being able to “see” themselves in it.
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Born and raised in Western PA and currently residing in Collier Township with his wife and three daughters, Alex Deacon has been a licensed professional for nearly 18 years and has consistently been in the top 10% of real estate agents for homes sold per year nationally for over 12 years. Alex also owns a full service property management company established in 2002. Keller Williams Realty 412.613.4435 • www.alexdeacon.com
Heartland Homes is Pittsburgh’s number one luxury home builder, and with nearly 30 years of experience, Heartland has created a new series of luxury homes, which include gourmet kitchens, hardwood & ceramic floors, 9 foot ceilings, and cozy fireplaces, all this and more are now standard. Luxury has arrived! Heartland Homes 724.949.0079 • www.HeartlandLuxuryHomes.com
Apple Lawn Service, started in 1992 in Sewickley, provides landscaping and snow removal services in the Sewickley and Moon Township areas. In 2011 we added the creation of custom made boulders to our business profile. Utilizing proprietary cement and steel we create boulders based on the unique designs submitted by our customers. Boulders can be viewed at our store at 101 McGovern Blvd in Crescent. Apple Lawn Services 412.741.1610 • www.applelawn.com
Action Builders is a Design Build company. We believe in listening to our customers and designing within a budget. We pride ourselves on professionalism, quality and total commitment to your project. We back our projects with 30 years of experience and a five year warranty. Check out our website for more details. AB Builders www.pittsburghadditions.com
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Real Estate IN Carlynton-Montour Continued from page 35
REVERSE MORTGAGE According to www.consumer.ftc.gov, if you’re 62 or older – and looking for money to finance a home improvement, pay off your current mortgage, supplement your retirement income, or pay for health-care expenses – you may be considering a reverse mortgage. It’s a product that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills. In a “regular” mortgage, you make monthly payments to the lender. In a “reverse” mortgage, you receive money from the lender, and generally don’t have to pay it back for as long as you live in your home. The loan is repaid when you die, sell your home, or when your home is no longer your primary residence. The proceeds of a reverse mortgage generally are tax-free, and many reverse mortgages have no income restrictions. There are three types of reverse mortgages: •• Single-purpose reverse mortgages, offered by some state and local government agencies and nonprofit organizations. •• Federally-insured reverse mortgages, known as Home Equity Conversion Mortgages (HECMs) and backed by the U. S. Department of Housing and Urban Development (HUD). •• Proprietary reverse mortgages, private loans that are backed by the companies that develop them.
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Our Real Estate Partners Laura Palmer Realtor Expectations Delivered… Results as they matter to you • New Construction • Residential Resale • Buyer Representation • Marketing and Negotiations Expertise Coldwell Banker Real Estate Services 412.264.8300 x254 • www.pittsburghmoves.com/laura.palmer
Your local South Pittsburgh Davey Office is your source for expert tree and lawn service. We offer the South Pittsburgh area comprehensive tree and lawn services for your home or business. Our expert staff includes certified arborists that live and work in your community and care about your landscape. We look forward to serving you! Please call (724) 746-8852 for more information. Davey 724.746.8852
In 1987 Inks Installations, a home remodeling business was established by Michael T. Inks. Today, Inks Installations is ranked at the top of the businesses involved in home remodeling. Inks is family owned and operated, serving Allegheny County and the surrounding areas, specializing in bathrooms, kitchens, additions, game rooms, roofing, siding, and other small jobs. For more information call or stop by the showroom! Inks Installations and Remodeling 724.776.0805 • www.inksinstallations.com
In 1991 when owner Joe Tortorea founded JT Landscaping LLC, he never thought the industry would have provided such a diverse set of opportunities for growth. Over the past 22 years, the business has grown from a small one bay garage, to a flourishing four acre parcel that is comprised of a warehouse building, a retail nursery, and a nursery bulk supply yard. JT Landscaping 724.693.2793 • www.jtlandscaping.biz
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Real Estate IN Carlynton-Montour Continued from page 37 Single-purpose reverse mortgages are the least expensive option. They are not available everywhere and can be used for only one purpose, which is specified by the government or nonprofit lender. For example, the lender might say the loan may be used only to pay for home repairs, improvements, or property taxes. Most homeowners with low or moderate income can qualify for these loans.
How much you can borrow with a HECM or proprietary reverse mortgage depends on several factors, including your age, the type of reverse mortgage you select, the appraised value of your home, and current interest rates. In general, the older you are, the more equity you have in your home, and the less you owe on it, the more money you can get. The HECM lets you choose among several payment options. You can select: •• A “term” option – fixed monthly cash advances for a specific time.
HECMs and proprietary reverse mortgages may be more expensive than traditional home loans, and the upfront costs can be high. That’s important to consider, especially if you plan to stay in your home for just a short time or borrow a small amount. HECM loans are widely available, have no income or medical requirements, and can be used for any purpose.
•• A “tenure” option – fixed monthly cash advances for as long as you live in your home.
Before applying for a HECM, you must meet with a counselor from an independent government-approved housing counseling agency. Some lenders offering proprietary reverse mortgages also require counseling. The counselor is required to explain the loan’s costs and financial implications, and possible alternatives to a HECM, like government and nonprofit programs or a single-purpose or proprietary reverse mortgage. The counselor also should be able to help you compare the costs of different types of reverse mortgages and tell you how different payment options, fees, and other costs affect the total cost of the loan over time. You can visit HUD for a list of counselors or call the agency at 1.800.569.4287. Most counseling agencies charge around $125 for their services. The fee can be paid from the loan proceeds, but you cannot be turned away if you can’t afford the fee.
•• A combination of monthly payments and a line of credit.
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•• A line of credit that lets you draw down the loan proceeds at any time in amounts you choose until you have used up the line of credit. You can change your payment option any time for about $20. HECMs generally provide bigger loan advances at a lower total cost compared with proprietary loans. But if you own a higher-valued home, you may get a bigger loan advance from a proprietary reverse mortgage. So if your home has a higher appraised value and you have a small mortgage, you may qualify for more funds. Reverse mortgage loan advances are not taxable, and generally don’t affect your Social Security or Medicare benefits. You retain the title to your home, and you don’t have to make monthly repayments. The loan must be repaid when the last surviving borrower dies, sells the home, or no longer
Our Real Estate Partners lives in the home as a principal residence. In the HECM program, a borrower can live in a nursing home or other medical facility for up to 12 consecutive months before the loan must be repaid. If you’re considering a reverse mortgage, be aware that: •• Lenders generally charge an origination fee, a mortgage insurance premium (for federally-insured HECMs), and other closing costs for a reverse mortgage. Lenders also may charge servicing fees during the term of the mortgage. The lender sometimes sets these fees and costs, although origination fees for HECMs currently are dictated by law. Your upfront costs can be lowered if you borrow a smaller amount through a reverse mortgage product called “HECM Saver.” •• The amount you owe on a reverse mortgage grows over time. Interest is charged on the outstanding balance and added to the amount you owe each month. That means your total debt increases as the loan funds are advanced to you and interest on the loan accrues. •• Although some reverse mortgages have fixed rates, most have variable rates that are tied to a financial index; they are likely to change with market conditions. •• Reverse mortgages can use up all or some of the equity in your home, and leave fewer assets for you and your heirs. Most reverse mortgages have a “nonrecourse” clause, which prevents you or your estate from owing more than the value of your home when the loan becomes due
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Passion. Innovation. Respect. Honesty. At Northwood Realty Services, these aren’t just words – they are words to live by. They represent a promise we make to our clients – and ourselves – each and every day. Say hello to the New Face of Northwood at Northwood.com today.
Northwood Realty Services 412.856.8000 • Northwood.com
CHC has been in business since 1998. The owner of CHC has been doing concrete work for 30 + years. CHC takes pride in their work for their customers. There is no job that is too big or too small. We provide quality work at competitive prices. We offer new concrete and decorative concrete applications for both new and existing concrete. We are fully insured and licensed. Visit us on the web. CHC Construction 412.937.9100 • celenderconst.com
Whether you own a newly built home or a 40-year-old fixer-upper, there’s always a project to do. SouthWest Communities FCU SouthWest has home equity loans for projects from painting a bedroom to adding an in-law suite. Using your home’s equity can be a smart move. It’s your house; let SouthWest Communities help to make it your home. Communities Federal Credit Union
SouthWest Communities Federal Credit Union 412.276.5379 • www.swcfcu.org
sure you check out Buying? Make IN Carlynton-Montour magazine before you make your next move. Selling? Looking?
www.incommunitymagazines.com Carlynton-Montour | Summer 2013 | incommunitymagazines.com 39
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Real Estate IN Carlynton-Montour Continued from page 39 and the home is sold. However, if you or your heirs want to retain ownership of the home, you usually must repay the loan in full – even if the loan balance is greater than the value of the home. •• Because you retain title to your home, you are responsible for property taxes, insurance, utilities, fuel, maintenance, and other expenses. If you don’t pay property taxes, carry homeowner’s insurance, or maintain the condition of your home, your loan may become due and payable. •• Interest on reverse mortgages is not deductible on income tax returns until the loan is paid off in part or whole.
FINANCING AND INTEREST RATES There is both good news and bad news when it comes to home financing and mortgage interest rates. The great news is that interest rates are still extremely low. According to bankrate.com, the interest rates on 12/26/12 were 3.59% on a 30-year fixed rate, 2.87% on a 15-year fixed, 2.77% on a 5/1 ARM and 4.07% on a 30-year jumbo. However, the bad news is that, due to new mortgage laws adopted after the nation’s foreclosure crisis of several years back, it is more difficult to get a mortgage than ever before. Credit scores are even more scrutinized and debt-to-income ratios are more strict. There is an infinite number of loan types out there, and lenders are
constantly coming up with creative ways to wrangle in new homeowners. The type of home loan you choose can make or break you as a borrower, so make sure you fully understand it before making any kind of commitment. Most prospective homeowners these days seem to be interested in 100% financing, generally because they don’t have the assets necessary for a down payment. Unfortunately, the proliferation of these types of home loan programs have increased the number of high-risk borrowers in the United States at an alarming rate. But if you take the time to educate yourself on the many home loan types out there, you’ll effectively decrease your chances of defaulting on your mortgage. That said, let’s talk about the many different loan types and programs available today. Following is a list of the types of loans available to potential homeowners.
Conforming Loans and Non-Conforming Loans One way home loans are differentiated is by their Government Sponsored Enterprise (GSE) eligibility. If the loan meets requirements set forth by Fannie Mae and Freddie Mac, it is considered a conforming loan. If the loan does not meet all the underwriting requirements set forth by the pair
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Real Estate IN Carlynton-Montour Continued from page 41 of GSEs, it is considered “non-conforming.” The main guideline that determines whether a mortgage is conforming or not is the loan amount. Generally, a mortgage with a loan amount below $417,000 is considered conforming, whereas any loan amount above $417,000 is considered a jumbo loan. However, in Alaska and Hawaii the conforming limit is $625,500. Note that the conforming limit may change annually, and has risen quite a bit in the past few years as housing prices skyrocketed. A jumbo loan may meet all of Fannie Mae and Freddie Mac’s loan underwriting guidelines, but if the loan amount exceeds the conforming limit, it will be considered non-conforming and carry a higher mortgage rate as a result. If your loan amount is on the fringe of the conforming limit, sometimes simply dropping your loan amount a few thousand dollars can lower your mortgage rate tremendously, so keep this in mind any time your loan amount is near the limit.
Conventional Loans and Government Loans Mortgages are also classified as either “conventional loans” or “government loans.” Conventional loans can be conforming or jumbo, but are not insured or guaranteed by the government. Then there are government loans, such as the widely popular FHA loan. This type of mortgage is backed by the Federal Housing Administration (FHA). Another common government loan is the VA loan, backed by the Department of Veterans Affairs. The maximum loan amount for these types of
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Real Estate IN Carlynton-Montour same amount each month until the loan is paid off. So the total amount you would pay on a $500,000 loan at 6.5% over 30 years would be $1,137,722.40.
Continued from page 43 loans varies by county. Now that you know a bit about different home loan types, we can focus on home loan programs. As mentioned earlier, there are a ton of different loan programs out there, and more seem to surface every day. Let’s start with the most basic of loan programs, the 30-year fixed-rate loan.
Loan Programs The 30-year fixed loan is as simple as they come. Most mortgages are based on a 30year amortization, and the 30-year fixed is no different. The 30-year fixed loan is just how it sounds, a loan with a 30-year term at a fixed interest rate for 30 years. What this means is that the loan will take 30 years to pay off, and the rate will stay the same during those entire 30 years. There isn’t much else to it. Let’s say you secure a rate of 6.5% on a 30-year fixed loan with a loan amount of $500,000. You’ll have monthly mortgage payments of $3,160.34 for a total of 360 months, or 30 years. You will be required to pay the
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LOCAL HOUSING MARKET According to www.buildingpittsburgh.wordpress.com, unlike the overall U.S. market, the housing market in Pittsburgh does not have to bounce back from falling prices and is showing remarkable consistency across a number of metrics. For more than six months the prices of houses sold and the number of homes sold has remained solidly up more than 10% year-over-year. That’s an unusual level of consistent growth, especially since the sales took place in periods of both higher and lower seasonal activity. The third quarter also showed a consistent trend in the year-over-year growth in new construction. Through nine months there were a total of 2,396 new dwelling units started compared to 2,155 during the same period in 2011, an increase of 11.2%. The increased activity was constant whether the construction was traditional detached single-family homes
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(and attached) or multi-family units, with each cohort up between 10-12%. Permits were issued for 1,393 units of detached dwellings compared to 1,264 in 2011 and for 1,003 attached units this year compared to 891 last year. While there is growing evidence that financing conditions are normalizing so that buyers can buy, the dwindling supply of lots are keeping a broader housing recovery from spreading into 2013, although the construction of multi-family apartments will boom for at least the next 18 months. Following is a breakdown of new housing by county. •• Allegheny County — Single Family Detached, 609. Single-Family Attached, 392. Total, 1001. •• Beaver County — Single-Family Detached, 108. Single-Family Attached, 25. Total, 133. •• Butler County — Single-Family Detached, 190. Single-Family Attached, 323. Total, 513. •• Fayette County — Single-Family Detached, 66. Single-Family Attached, 10. Total, 76. •• Washington County — Single-Family Detached, 251. Single-Family Attached, 74. Total, 325. •• Westmoreland County — Single-Family Detached, 169. SingleFamily Attached, 179. Total, 348.
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hances are you’ve been down the weight loss road before. And chances are just as good that you’ve gained it all back. But don’t despair; there are ways to avoid the dreaded yo-yo. Harley Pasternak, best-selling author and the go-to trainer for A-list stars, answers some common questions about how to lose weight – and the tools needed to keep it off. What’s the biggest mistake people make when it comes to weight loss? Too many people set unrealistic expectations from the start. For sustained weight loss, you need a diet and exercise plan that you can maintain. How should I get started and pick the right plan? Instead of starving yourself or risking injury by over-exercising, focus on being active throughout the day. Park your car farther away from your destination, take the stairs, make social plans walking distance from home or work; every step adds up. How can I eat healthy when I’m so busy I don’t have time to cook? Planning ahead is a must if you’re going to avoid temptation. Spend some time on Sunday evening preparing simple, healthy meals for the week. I hate to exercise, and gyms are too expensive. What can I do? You don’t need to spend hours a day in the gym to improve your waistline or your health. As little as five minutes a day of resistance training can help strengthen your body; or use a pedometer (a small device that counts your steps) and try to hit 10,000 steps each day. The key is consistency.
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Seeing Is Believing: Laser Vision Correction Often Eliminates Need for Glasses or Contacts
Imagine waking up in the morning and not having to reach for your glasses or contacts. If that sounds too good to be true, then you should consider laser vision correction surgery, a procedure performed by surgeons at UPMC Eye Center’s Laser Vision Center. This procedure often allows patients to see better without glasses and contacts. According to Deepinder K. Dhaliwal, MD, L.Ac., director of the Cornea and Refractive Surgery Service and the Center for Integrative Eye Care at UPMC, laser vision correction has been performed at UPMC for some 20 years. UPMC was among the first in the region to offer laser vision surgery and was the only center in the area to participate in the initial studies of the procedure that resulted in its approval by the Food and Drug Administration (FDA).
Focus on Patients “UPMC has the longest continuously running program in Pittsburgh,” says Dr. Dhaliwal. “What sets us apart is our focus on providing patients with a continuity of care that is present from their very first visit with us, through their testing and evaluations that determine their candidacy for the procedure, to the surgery itself, and finally to their post-surgery visits. We also encourage our patients to meet and talk with their surgeon well in advance of their scheduled surgery so they feel completely comfortable with everyone and everything involved in their pre- and post-operative care. All of these things will help achieve good outcomes.” According to Dr. Dhaliwal, good candidates for laser vision correction are healthy individuals with healthy eyes. “People who have eye conditions such as glaucoma or cataracts would not be candidates for this surgery,” she says. Multiple other factors are involved in deciding if laser vision correction is right for you, and these are addressed during a complimentary evaluation with your surgeon.
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The actual procedure, which takes about 15 to 20 minutes, involves the use of very sophisticated lasers that sculpt the cornea, enabling the patient to reduce or eliminate their need for glasses or contacts. “If I perform a procedure on a Thursday afternoon, I would be surprised if, at the patient’s follow-up appointment on Friday, they did not have improved vision,” says Dr. Dhaliwal. Beyond the potential biggest benefit of the procedure, no longer needing glasses or contacts, other typical advantages include reduced risk of infection related to contact lens wear for those who will no longer require vision correction after surgery. “The number one risk factor for developing an infection in the cornea is sleeping in your contact lenses,” Dr. Dhaliwal says. “And tap water is not sterile. There have been incidents of blindness when people have used tap water to clean their contacts.” In addition, people who wear contact lenses can often develop an allergy to them or can over wear them, particularly if they lead active lives that may prohibit the regular use of glasses. There are some side effects that are associated with laser vision correction, such as a glare or halo effect that seems to be more apparent at night, dry eye, and inflammation, which is mainly treated with eye drops. “All of these things tend to get better over time,” said Dr. Dhaliwal, who trains, teaches, and educates physicians interested in performing laser vision correction nationally and internationally. Although laser vision correction is not covered by insurance, there are discounts available and cost should not deter a patient from engaging in conversation about the benefits of this procedure.
Customized Care “We deliver a truly customized laser vision correction experience to each patient,” Dr. Dhaliwal says. “This includes an individualized map of the patient’s eye, which accounts for conditions such as astigmatism and the amount of their nearsightedness. Each treatment will be tailored and delivered to the cornea so that the patient receives the best possible outcome. This is not a ‘one size fits all’ type of procedure.” UPMC refractive surgeons have been selected to take part in a study that will evaluate a new imaging device used during laser vision correction surgery. The results of this study will be presented to the FDA.
“ What sets us apart is our focus on providing patients with a continuity of care that is present from their very first visit with us, through their testing and evaluations that determine their candidacy for the procedure, to the surgery itself, and finally to their post-surgery visits.” Deepinder Dhaliwal, MD, L.Ac.
For more information about laser vision correction or to make an appointment, call the UPMC Eye Center’s Laser Vision Center at 412-647-2917 or visit UPMC.com/LVC.
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Carlynton School District
“Carnegie Community Can”Center Meeting the Needs of Students Through Parental, Teacher and Community Involvement
By Kathy Rudolph ost of us have heard of the phrase that “it takes a village to raise a child,” based on the African proverb about a young girl named Yemi, who is responsible for her little brother, Kokou, while their mother is busy selling mangoes in a West African Village. When Kokou disappears, Yemi looks for him throughout the village. When she finally finds Kokou, Yemi discovers just how many of the villagers have taken good care of her brother in her absence. As she thanks everyone who played with, fed and looked after Kokou, she remembered her mother’s wise words, that “it takes a village to raise a child.” Still relevant today, this proverb is exemplified by the Carnegie School District (CSD) staff, parents and volunteers from the community through the CSD “Carnegie Can” Community Center at Carnegie Elementary School. In its first year, the community center is funded by the U.S. Department of Education 21st Century Community Learning Center grant that provides the district with $108,000 per year for three years. Over a two year period and submitting not one, but two, 50 page grant applications, CSD was awarded the grant last summer by the Pennsylvania Department of Education. Lee Myford, CSD Director of Pupil Services, Lisa Rowley, CSD Physical Education and Health Teacher, Laura Burns, CSD Junior-Senior High School Assistant Principal, Jack Kobistek and Carnegie Borough Mayor wrote the grant application that included input from CSD teachers. “The overriding goal of obtaining the grant for the community center is dropout prevention,” said Myford. “We want all students to graduate high school and for them to be successful in improving their grades.” Myford is on to something. According to the U.S. Department of Education, the strongest predictor of whether students will drop out of high school is poor academic performance. Kids who regularly attend high-quality afterschool programs have “better grades and conduct, more academic and enrichment opportunities, improved peer relations and fewer incidences of drug use, violence and pregnancy.” To meet this goal, the afterschool routine provides tutoring with a focus on strengthening reading, math and science skills and homework assistance. Recreation, physical fitness and enrichment activities are then offered for 70 students in fifth to 8th grades. Transportation from the Junior-Senior High School is provided to Carnegie Elementary School for 7th and 8th graders, but all students must find transportation home from the center. There is also a daily, free or reduced cost snack and
photos by Kathy Rudolph
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Kids who regularly attend high-quality after school programs have “better grades and conduct, more academic and enrichment opportunities, improved peer relations and fewer incidences of drug use, violence and pregnancy.”
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lunch for the students from an additional grant that Myford secured. “The grant was not large enough for transportation home for the students or a full time coordinator position which is required,” said Myford, who shares the coordinator position with Burns. Another objective is to provide the fifth and sixth grade students with encouragement and guidance so that their transition from elementary school to seventh grade at the junior-senior high school is successful. CSD teachers and staff members, along with community volunteers, act as mentors to the students to help accomplish this goal. “One of the many, wonderful teachers at the community center, Christopher Colonna, is an eighth grade teacher and has the understanding of who the kids are,” said Carla Hudson, Principal of Carnegie Elementary School who is in charge of 1. Daniel Hahn 2. Bethany Martys, CSD sixth grade teacher during during egg dropping experiement 3. Christopher Colonna, CSD eighth grade teacher during egg dropping experiement 4. Lee Myford, CSD Director of Pupil Services, Lisa Rowley, CSD Physical Education and Health Teacher 5. Monika DeBolt, CSD School Psychologist Intern during games 6. Michael Donovan, CSD Assistant Varsity Football Coach during games 7. Carla Hudson, Principal of Carnegie Elementary School
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acquiring partnerships and mentors for the community center. “Together, they have formed a nice bond which will allow the kids to feel comfortable as they go on to seventh grade. The community center has been a great solution to aid in that transition and to aid in the problem of kids struggling in school.” Examples of partnerships include the Andrew Carnegie Free Library, offering a weekly book club, Junior Achievement providing trained volunteers that foster work-readiness, entrepreneurship and financial literacy skills and the Pittsburgh Pirates Charities Fantasy Baseball,
Continued on page 50 Carlynton-Montour | Summer 2013 | incommunitymagazines.com 49
Carlynton School District
“Carnegie Community Can”Center Continued from page 49 an integrated math program. More adult mentors are needed for the program. “We need to expand the mentoring part of the community center, which is part of the grant,” said Myford. “When we have adult mentors attend, it provides more opportunities and training for the students.” “There are many people that love to volunteer in the community but don’t know where to find opportunities,” said Hudson. “We are looking for people to share their talents, hobbies, or want to speak about their careers with the students. Leading a small class helps to inspire the students, build their self esteem and career interests. You only need to come once to achieve this.” Frequent outside, advisory meetings with Kobistek, representatives from the library, police department, CSD teachers, parents and others expressing their ideas, help to make the community center more effective. A community center newsletter is another tool to keep parents involved and updated on what is happening. “We have built a program that I would bring my child to,” said Myford. “The community center came about because of our sincere, good intentions to do good things for students. If your child is in 5th to 8th grade and is not doing well in school or needs assistance, we are here and are waiting for your kids so that we can help them to succeed.” To learn more about “Carnegie Cares,” contact Lee Myford by phone at 412.429.2500, ext. 1110, or by email at lee.myford@carlynton.k12.pa.us.
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Joe Testa, CSD School Psychologist Intern and Michael Donovan, CSD Assistant Varsity Football Coach at basketball game.
“The community center came about because of our sincere, good intentions to do good things for students.�
Carlynton-Montour | Summer 2013 | incommunitymagazines.com 51
Industry Insight
Experience
Cosmetic Dentistry with Trial
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Smile!
beautiful smile creates an unforgettable first impression! Smiling has been proven to do many things for the person smiling and everyone who gets to see it. Smiling makes you happy when you’re not and also has the same effect on others. A beautiful smile creates a more youthful and attractive appearance
Need a reason to smile? Let us give you a smile that will bring you happiness for years to come. E.J. Hester and his staff are a group of caring dental professionals that have your best interests at heart. Ingram Family Dentistry can assist you, comfortably, to achieve your greatest dental desires.
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as well as can help you de-stress. The best thing smiling does for you is it keeps you laughing and makes you feel just plain good. When deciding to invest in cosmetic dentistry some people may experience fear and concern that they may not like the outcome. This fear and concern is mainly due to the person making a decision to alter the shape, contour, and color of their natural dentition. At Ingram Family Dentistry patients have the option of visually experiencing these cosmetic changes prior to making the actual cosmetic improvements. With the advances in dentistry, Ingram Family Dentistry offers a fully reversible look at the cosmetic enhancements one must undergo to achieve their award winning smile! This is called a “Trial Smile.” Several factors come into play when planning to cosmetically enhance a patient’s smile. It is important to consider how the patient’s teeth are perceived by others. This perception is not only viewed when a picture is taken, but also is noticed during talking, laughing, eating and even when a patient is just relaxing. Ingram Family Dentistry is able to achieve their patient’s greatest smile desire through this comprehensive approach to designing a smile. A “Trial Smile” can be completed in as little as two appointments, each lasting around twenty minutes. All of a patients attributes are considered; from the amount of tooth structure that appears when smiling to the amount of tooth structure that shows when you are talking. An outstanding smile is a sure way to stand out in a crowd. There is no better way to test drive a new beautiful smile than with a “Trial Smile” at Ingram Family Dentistry. Dr. Hester and his dental team take the time to adequately assess your dental needs, cosmetically and functionally. When considering improving the quality of your life, there is no better place to start than with your smile. Talk to Ingram Family Dentistry today to start planning your smile for tomorrow! For more information on “Trial Smile” visit www. IngramFamilyDentistry.com and select “Trial Smile” under the Cosmetic Dentistry tab.
Is Your Pet Ready for Outdoor Weather? When the weather’s nice, many people like to head outdoors – and their pets do, too. Before you let your pet go outside, make sure you’ve taken steps to prevent pests, care for their skin, and know how to spot signs of allergies. Fleas and Ticks: Pets are susceptible to a variety of bugs and pests – especially fleas and ticks. Both should be avoided as fleas can trigger allergies and dermatitis in pets as well as infectious diseases in people and pets. Ticks may also carry diseases that can be harmful to pets. However, in a survey by the American Pet Products Association, only 64 percent of dog owners and 41 percent of cat owners purchased a flea and tick product for their pet last year. Be sure to purchase preventative topical treatments to protect your pet. And after pets go outdoors, inspect them carefully for ticks and other insects to ensure their safety. Grooming: A winter indoors often leaves pets with dry skin, tangled fur and a thick undercoat, which begins to shed when the weather warms. A professional grooming salon will help keep pets cool with services like a haircut and brushing to remove loose hair, and a bath to clean and moisturize their skin and coat. Medicated flea and tick baths or spot treatments can also be added. Allergies: Since pets can experience allergic reactions to inhaled particles like dust or pollen, pet parents should be on the lookout for signs that their pet may be suffering from allergies. Monitor your pet’s behavior and consult your veterinarian if your pet exhibits reactions such as: • Swelling or irritation of the skin, especially around the eyes, face, head and feet. Hives, rashes, blisters, clear discharge from eyes or nostrils, sneezing, itching and mild discomfort may also be present. • Pets may also chew on or lick their feet constantly. • Allergy treatment for pets varies based on severity, but usually includes antihistamines and other medications. To learn more about pet essentials and services for spring, visit a pet store near you. Carlynton-Montour | Summer 2013 | incommunitymagazines.com 53
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Industry Insight
Why You Need Whole Food Supplements Explore wholesome nutrition and its benefits to your health Do you struggle with finding the “right” supplement? Most of us have the greatest of intentions when it comes to getting healthy for the New Year. We head to the store in search of the best supplements and healthiest foods we can find to get our resolutions launched. If you are like most, you stand in the supplement isle in amazement at the mass quantities of choices until you finally decide on one that you feel suits your needs. Generally, we take these supplements as part of our daily routine and feel good about it. But are we really getting all the quality nutrients that are missing in our diet? We all are aware of all the different varieties of supplements available to us at many chain stores, but do you really know the source
Robinson Chiropractic
Specializing in Gentle Low Force Care Physiotherapy Massage Therapy Nutritional Counseling Standard Process Whole Food Nutrition Supplements Gift Certificates Available Leslie Burns, DC SAME DAY APPOINTMENTS ::: MOST INSURANCE ACCEPTED
412.706.7129 3 Robinson Plaza, Suite 320, Rt. 60 & Park Manor Drive Across from Eat’n Park near The Mall at Robinson www.myrobinsonchiropractic.com
of the ingredients in these products? If you were given a choice of a supplement manmade in a laboratory which produces synthetic vitamins or would you choose one that is derived from organically farmed whole foods? I would expect that most of you answered the latter. Whole food supplementation is far superior to any manmade sup plement in that they contain the nutrients plus all their synergistic cofactors. What does this mean? It means that your body recognizes them as real food and utilizes them properly and efficiently to provide you with the strongest, natural, and most well-balanced nutritional support. Our bodies treat all synthetic vitamins as foreign substances, reacting to them as if they were toxins. Once we ingest these substances, our body has to process and neutralize these “toxins”. This takes place in the liver and then the kidneys have to eliminate the byproduct. Have you ever taken synthetic vitamins and noticed the color of your urine? Bright yellow, right? We refer to this as “expensive urine.” Take a proactive approach this year and get on the right track with your supplementation. Make it effective and beneficial for your body and you will feel the difference. We choose the whole food supplementation company Standard Process. They have owned and operated their own organic farms since 1929. Whole supplements by Standard Process along with nutritional guidance for the right supplements tailored for you are available at Robinson Chiropractic. Carlynton-Montour | Summer 2013 | incommunitymagazines.com 55
Tips on Summer Sun Safety from UPMC Urgent Care The mid-March snowstorm and the lingering cold weather had many Pittsburghers running for the sun at the first sight of warmer weather. But not so fast, caution two UPMC Urgent Care physicians, who urge awareness and protection when outdoors in the sun.
Minimize Sun Exposure
“Sunburn and heat-related illnesses are the two most common sun-attributed ailments we see in the UPMC Urgent Care centers during the summer months of June, July and August,” says Bret Rosenblum, MD, medical director of UPMC Urgent Care Wexford. “That said, we advise everyone to reduce their sunburn risk by limiting sun exposure during the peak hours of 10 a.m. to 3 p.m., wearing protective hats and clothing, and using a sunscreen with an SPF of at least 15, but 30 or higher for individuals with a family history of melanoma, a deadly form of skin cancer. Also, avoiding indoor tanning beds altogether will help prevent significant skin damage.”
If a person suffers a milder form of a heat-related illness, with symptoms such as headaches, weakness, dizziness, or an inability to continue current activity, Dr. Rosenblum suggests, seek out a cool area, preferably one that is air conditioned, removing excess clothing and hydrating with water or electrolyte solutions, and monitoring their condition closely. “Evaluation at a UPMC Urgent Care center could help determine if a higher level of care is necessary, such as a referral to an emergency department,” he says. “However, if the condition is not improving or is getting worse, and the person begins to faint, or experiences nausea, vomiting, or confusion, immediate medical evaluation at the closest emergency department for a more serious heat stroke condition may be necessary. In these situations, cold water immersion, ice packs, and IV hydration may be needed.”
Special Care For Children And The Elderly
According to Rachel Schroer, MD, medical director of the UPMC Urgent Care with Washington Health System, located in McMurray, Pa., people can still get sunburn even if the sun is not shining. “The harmful UVA and UVB rays that cause sunburn can penetrate the clouds and cause sunburns,” she explains.
Children and the elderly are the groups most at risk for developing sunburn and sun exhaustion, which is caused by spending too much time in the heat and direct sun, Dr. Schroer explains. “Great care should be taken to limit their sun and heat exposure.”
Self-Help Measures For Sunburn
In addition to the prevention methods previously mentioned, Dr. Rosenblum also adds that the ability to swim can be life-saving. “All children and adults who will be around water should have this skill which they can acquire through lessons at local YMCA centers and community pools,” he recommends. “Furthermore, while at the beach, heed warnings and signage regarding current conditions such as rip tides and rough water.”
If you take all of these precautions and you still find yourself suffering from sunburn, there are a number of ways you can care for yourself at home, Dr. Schroer advises, including drinking plenty of nonalcoholic fluids and water, staying well-hydrated, and applying a soothing aloe vera gel. “Severe sunburns fall into the category of first-degree burns, which puts you at risk for excess fluid loss and dehydration,” she adds. “However, should your efforts toward sunburn prevention and sunburn care at home fail to offer relief, a medical evaluation at a UPMC Urgent Care center can assess your condition and offer additional recommendations for aid.”
Avoid Strenuous Activities During Peak Temperatures
To prevent heat-related illnesses, Dr. Rosenblum recommends limiting strenuous activity during the hottest portion of the day, drinking plenty of fluids containing water or electrolyte solutions before, during, and after exercise, and avoiding soda or energy drinks, which can actually cause dehydration. In addition, wearing lightweight and light-colored clothing, and taking frequent breaks in shaded or air conditioned areas, will help cool the body. “Sports teams also should be encouraged to schedule practice sessions in the morning or evening hours during the summer,” he notes. 56 724.942.0940 to advertise
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Consider Life-Saving Swimming Lessons
Medical Treatment Available Without An Appointment
A person with concerns about sun-related illness, can visit a UPMC Urgent Care center for further examination any day of the week from 9 a.m. to 9 p.m., without an appointment. “Our providers can access a patient’s electronic health records within the health system. This can be critical during an evaluation with regard to past medical history, medications taken, allergies, and results from previous tests and x-rays,” Dr. Rosenblum explains. “Additionally, a treatment summary, which is an important aspect of care, will be provided to the patient’s primary care provider and attached to their electronic health record if they visit a UPMC physician.”
For more information and a complete list of UPMC Urgent Care locations, please visit UPMC.com/UrgentCare.
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