Sunday, July 3, 2016 1APROGRESS 2016

East Liverpool City HospitalBy JO ANN BOBBY-GILBERT

Staff Writer

EAST LIVERPOOL — The announce-ment in February that River Valley HealthPartners was to be acquired by California-based Prime Healthcare Foundation was metwith optimism by both theresidential and medical com-munities.Interim-CEO Ruben

Garza said at the time thatPrime Healthcare looks forhospitals in communitiesthat want their hospitalsviable, able to serve themedical needs of the com-munity.Garza expressed confidence that East Liv-

erpool City Hospital could be “re-energized”and made successful, able to provide all theservices the community needs.Some of the areas mentioned where

improvements were expected to be madeincluded surgery, cardiology, the primarycare physician base, gastroenterology and theaddition of a cath lab, all of which Garzaadmitted would not happen overnight.He said, however, the hospital would not

only be viable within six months but “busy”within a year.Just about five months later, the hospital is

operating with a new CEO in Keith Richard-son, named inMarch.Richardson brings 35 years experience in

health care to the position, primarily as achief financial officer.Richardson recently said Prime Healthcare

has made a commitment to making hospitalsprofitable, saying, “They have never had onethey didn’t turn around. I’m confident we willturn this one around.”He emphasized Prime has a focus on heal-

ing hospitals and healing lives, saying highquality care and patient safety is their firstresponsibility.Richardson said Prime has committed $20

million in capital to the hospital.Already, a portion of the fifth floor has

been reopened due to increased patient needs,resulting in the hiring of additional nurses,patient attendants and ward clerks.With the changes taking place at the hos-

pital, nursing care has remained constant,according to officials, who said there are anestimated 156 nurses on duty, most full time,working three, 12-hour shifts per week.Jayne Rose, with 34 years of service to the

hospital, was named this year as chief nursingofficer. She recently said nurses are critical tothe hospital’s overall provision of services.The Senior Behavioral Health unit is now

being managed by the hospital, providingpatients 55 and older with treatment by psy-chiatrists, social workers, nurses and milieuspecialists.Recently, East Liverpool City Hospital

received the Healthgrades 2016 Patient Safe-ty Excellence Award, the only

C o l u m b i a n aCounty hospitalto be awarded.

The desig-n a t i o nr e cog -

nizes superior performance in hospitals whichhave prevented serious, potentially avoidablecomplications for patients during hospitalstays, according to a hospital spokesman.She said this places ELCH among the top

10 percent of hospitals in the nation for itsperformance as evaluated by Healthgrades,the leading online resource for comprehen-

sive information about physicians and hospi-tals.“This award symbolizes our commitment

to clinical quality and patient care,” Richard-son said.jgilbert@mojonews.com

NursingEAST LIVERPOOL — While East

Liverpool City Hospital has been nostranger to change, one thing that hasremained constant is the steady presenceof nurses throughout the hospital’s sixfloors and various departments.Whether inpatient or outpatient care,

nurses are critical to the hospital’s overallprovision of services, said Chief NursingOfficer Jayne Rose.“The staff of ELCH provides top quali-

ty care, and I am very proud to be leadingthem into the future,” said Rose, who wasnamed CNO in October after 34 yearswith the hospital.An estimated 156 nurses work at the

hospital, most of them full-time nurseswho work three 12-hour shifts a week.Those in the inpatient units, including theIntensive Care Unit, are trained in basiclife support and advanced cardiac life sup-port, Rose said.In the surgery department, nurses are

there for both pre- and post-operative care.In the outpatient clinic, they assist withtreatments such as injections, chemothera-py and IV therapy, she said.

Submitted photo

River Valley Health Partners was to be acquired by California-based Prime Healthcare Foundation in February.

Richardson

Submitted photo

This postcard image shows East Liverpool City Hospital’s past appearance.

See ELCH, Page 8A

EAST LIVERPOOL —Ohio Sports & Spine Institute“OSSI” has been providingchiropractic services to theEast Liverpool area for quitesome time. Dr. Joseph A.DiDomenico, DC began pro-viding chiropractic servicesin this area in 1986. Hejoined Ohio Sports & SpineInstitute in 1994. OSSI is amultidisciplinary group ofmedical doctors includingDr. Joseph Cerimele, D.O.Physical Medicine & Reha-bilitation, Dr. Irene Heldman,M.D. Physical Medicine andRehabilitation and also a spe-cialty in Internal Medicineand Dr. John Dunne D.O.Occupational Medicine. Themost recent OSSI addition ofDr. Andrew Hospodar IV,DC has expanded the chiro-practic services to the prac-tice and he is a one of a veryfew physicians licensed inacupuncture in this area.The core of OSSI is our

Rehab department, whichprovides quality outpatientrehabilitation with staffing ofhighly trained and talentedlicensed Physical Therapists,Licensed Physical Therapy

Assistants and LicensedMassage Therapists. Ourdedicated staff provideshands-on treatment to all ofour patients utilizing a one-on-one approach. The patientis the focus of our attentionand we take great pride andeffort to meet all of thepatient’s needs as we strive tomotivate, encourage andchallenge our patients to takean active role in their recov-ery.Our dedicated Rehab staff

services range from generalorthopedics, industrial reha-bilitation, sports medicineand spinal care. Our Rehabstaff provides a comprehen-sive evaluation and solutionwith close attention to thepatient’s specific objectivesto help return back to anactive and pain-free activitylevel. Education is vital inprevention of re-occurrenceas well as the importance ofan individualized home pro-gram.OSSI offers a full range of

services for musculoskeletalinjuries and conditions. OSSIPhysicians and Rehab staffspecialize in improving the

quality of movement of theirpatients, facilitating a speedyrecovery and prevention ofrecurrences. OSSI is commit-ted to provide complete reha-bilitation excellence so ourpatients can achieve maxi-mum recovery benefits.Our Physician and Rehab

staff are available to answerany and all questions regard-

ing patient care and wealways communicate routine-ly with the referring physi-cian or surgeons.OSSI has taken pride and

has enjoyed serving the localarea and athletes over theyears. We are dedicated andcommitted to take a personaland direct approach with allof our patients.

PROGRESS 20162A Sunday, July 3, 2016

Ohio Sports &Spine Institute

Salem AreaVisiting NurseAssociation

SALEM — The SalemArea Visiting Nurses Associ-ation (VNA) has been pro-viding a variety of homehealth care services to theresidents of Columbiana andMahoning counties for thepast 98 years. Salem AreaVNA is currently located at718 E. Third St., Salem,Ohio 44460. Salem visitingnurses provide skilled nurs-ing, therapy services, med-ical nutrition therapy andhome health aid services tohomebound clients.Our on site Adult Day-

care Program is a combina-tion of a medical and socialmodel day care program.This program provides med-ical monitoring, memorystimulation activities and avariety of supervised activi-ties to adult clients in ahome-like atmosphere. Theprogram runs from 8 a.m.-4p.m. Monday through Fri-day.Salem Area VNA is

offering improved patientcare with new technology,

telehealth monitors that areplaced in patient homes. Wecan provide monitoring ofpatient vital signs (bloodpressure, heart rate, oxygensaturation, weight and glu-cose levels) remotely on adaily or more frequent basis.This program allows us toset a new standard of care,improve patient outcomesand consistently collectpatient information. Themonitors enable the nurses todetect potential problemsand decrease the potential forhospital re-admissions.Home Care Advantage,

our sister agency, is locatedat the same address as VNA.Home Care Advantageopened in 1994 and pro-vides in-home private dutynon-medical and homemakerservices to clients in theirown homes. For more infor-mation on their services con-tact Cindy Kenst at 330-337-4663.Both Salem VNA and

We really listenAs physicians dedicated to helping patients feel their very best, we know that taking the time to carefully listen to your symptoms, your history, your concerns and your feedback is essential to delivering the best care.

RVP provides medical services to the community through a network of physicians and nurse practitioners. Medical services include Family Practice, gynecology, internal medicine, orthopedics and sports medicine, gastroenterology, urology and Ear/Nose/Throat - including an audiologist.

Call our friendly scheduling staff to arrange an appointmentat one of our offices.

Family Medicine15655 State Rt. 170, Suite H, East Liverpool, Ohio330-932-0183

Primary Care & Women’s Health16761 St. Clair Ave, Suite 2, East Liverpool, Ohio330-385-9670

General Surgery and GI205 W. 6th St., East Liverpool, Ohio330-386-6444

Otolaryngology Ear, Nose, Throat, Allergy & Audiology15613 Pineview Drive, Suite C, East Liverpool, Ohio330-382-1422

Internal Medicine I123 W. 6th St., East Liverpool, Ohio330-385-7170

Internal Medicine II205 W. 6th Street., East Liverpool, Ohio330-385-9509

Orthopedics & Sports Medicine425 W. 5th Street, East Liverpool, Ohio330-386-2047

Urology205 W. 6th Street, East Liverpool, Ohio 43920330-386-9212

98% of our patients would recommend us to friends and family.

A f f i l i a t e d w i t h E A S T L I V E R P O O L C I T Y H O S P I TA L

See SALEM VNA, Page 9A

Submitted photo

Ohio Sports & Spine Institute has been providingchiropractic services to the East Liverpool area fora number of years.

Margi Hoover, director ofurgent care and after hoursfacilities for Alliance Com-munity Hospital, overseesACH’s three urgent/familycare facilities. The followingquestion, answered byHoover, was submitted toinfo@achosp.org as part of aninteractive question-and-answer feature.Q: I recently fell on an

uneven sidewalk here inAlliance and landed on mywrist. It hurt, but I wasn’t sureif it was broken. I ended upgoing to the emergency room,where I was treated well andit was diagnosed as a sprain.In retrospect, should I havegone to an urgent care center(it happened during the day)instead of the ER? — EileenL. of AllianceA: This is a good question,

whether it happens inAlliance or anywhere else.The issue here is having agame plan and educatingyourself ahead of time as tothe best course of action.In this case, you were

obviously in pain and coher-ent enough to make a decisionand get yourself to the emer-gency room. The fact that itwas just a sprain should notmake you feel like you madea bad decision. Among thethings you need to consider isthe severity of the injury orillness and the urgency of thesituation. Since you were inobvious pain and thoughtsomething was broken, theemergency room made senseand I am glad to hear you hada good experience there.Could you have chosen an

urgent care center? In retro-spect, yes. Most urgent carecenters are there to take careof patients for less traumaticsituations and have X-ray anda lab available during extend-ed hours. In either case, oncetreated in an urgent care oremergency room, follow-upwith your primary care physi-cian is advised.Also, as a rule of thumb, if

you sense that you have an

emergencyon yourhand, call911.There are

c e r t a i nguide l inesthat havebeen estab-lished to helpp a t i e n t smake choices between urgentcare centers and emergencyrooms. Among them:Urgent care: Coughs,

colds, sore throat, earaches,body aches, sinus infections,muscle aches, rashes, cuts,nausea, animal bites, eye andear irritation, urinary tractinfections.Emergency room: Uncon-

trolled bleeding, suddennumbness or speech difficul-ty, severe shortness of breath,sudden severe chest pain orpressure, poisoning, vomitingblood, sudden severe abdomi-nal pain.This is by no means a

complete list of possiblesymptoms, but the patternsuggests that the choice isbased on the severity of thetrauma.Here in our area, in addi-

tion to the emergency room,Alliance Community Hospitaloperates three facilities; twoare labeled After Hours andone is called Family UrgentCare.After Hours Care of

Alliance is located at 2461W. State St. and is open 4p.m. to 9 p.m. Mondaythrough Friday and 9 a.m. to5 p.m. Saturday and Sunday;After Hours Care of Minervais located at 625 N. MarketSt. and is open 5 p.m. to 9p.m. Monday through Fridayand at this time closed onweekends; and Family UrgentCare of Louisville is locatedat 506 W. Main St. and isopen 8 a.m. to 6 p.m. Mon-day through Friday and 9 a.m.to 2 p.m. Saturday and Sun-day.Both the Alliance and

Louisville facilities have X-ray capabilities to diagnosebroken bones and sprains;Minerva does not.While each case is differ-

ent, the key to making thebest choice is to do yourhomework, understand thedifferences and be prepared tomake a snap decision armedwith the best informationavailable.

Sunday, July 3, 2016 3APROGRESS 2016

Providers of Skilled Nursing Care, Short Term Rehabilitation, Alzheimer’s Care, Assisted Living and Home health to the residents of Mahoning Valley for over 50

years. Windsor House is a family owned and operated organization and operates eleven nursing homes and four assisted living communities.

w w w . w i n d s o r h o u s e i n c . c o m

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PARKSIDE HEALTH CARE CENTERHealth Care Center • New Middletown, Ohio

Providing skilled nursing, short term rehabilitationAlzheimer’s Care and Assisted Living.

A source for dedicated care of those in need of Skilled Nursing Care and Short Term Rehabilitation.

Call today to schedule your tour!A source for dedicated care of those in need

of Alzheimer’s care and short term rehabilitation.

930 East Park Avenue • Columbiana, Ohio

1899 W. Garfield Road • Columbiana, OhioAssisted Living Residence •New Middletown, Ohio

330-542-9542 330-482-5547

330-549-9259330-542-9155NOW OPEN!

The past year has been a time ofquick growth and expansion for theFamily Recovery Center. New pro-grams have been added to servethose struggling with drug and alco-hol addictions and/or mental healthissues, and new locations providebetter access to those in need ofservices.Our East Liverpool office, 416

Jackson St., continues to grow toserve the southern part ofColumbiana County. Intakes/assess-ments can be completed there andindividual and group sessions alsoare held. A Methadone Clinic willbe opening in this office this sum-mer. Renovations have been com-pleted and approved by the DrugEnforcement Agency and securitymeasures are currently being imple-mented and staff members are beingrecruited in anticipation of the clin-ic’s opening, targeted for late sum-mer/early fall. Methadone is used inmedication-assisted treatment(MAT) to help people reduce or quittheir use of heroin or other opiates.Methadone has been used fordecades to treat people who areaddicted to heroin and narcotic painmedicines. When taken as pre-scribed, it is safe and effective. Itallows people to recover from theiraddiction and to reclaim active andmeaningful lives.In the summer of 2015, FRC

contracted with the Jefferson Coun-ty Prevention and Recovery Board

to provide alcohol and other drugabuse treatment and prevention pro-gramming in that county. We havepurchased a building in downtownSteubenville, which will be expand-ed and renovated. In the interim, weopened a suite of offices in the Tow-ers building in downtownSteubenville and began offeringtreatment services in mid-Augustand grew so quickly we needed tolease a second suite of offices byOctober. More than 500 clients arereceiving services at this locationalready.Supportive, sober housing is a

vital component of the recoveryprocess as the client works towardself-sufficiency. To that end, FRCapplied for and was awarded grantsin 2015 and 2016 from the OhioDepartment of Mental Health andAddiction Services (MHAS) fordirect recovery housing operations.This grant allowed FRC to open theRenaissance House in Salem andRenaissance 2 in Mingo Junction.Each residence provides sober hous-ing for five men. Residents are guid-ed and encouraged by a recoverycoach, who helps them work thesteps to their recovery and seek edu-cational and employment opportuni-ties.We celebrated a bit of a “baby

boom” in 2015 at the FlemingHouse, our transitional housingfacility for recovering women andtheir children. Four babies were

born drug free to residents of theFleming House. Moms and babiesare all doing well.In fiscal year 2015 alone, FRC’s

Education Department directlyserved 4,182 students and 8,235community members and targetedanother 15,091 community mem-bers through media and awarenesscampaigns, including Click it orTicket and Drive Sober or GetPulled Over. In May, the depart-

ment hosted Operation Street Smart,an award-winning, nationally-renowned program presented byrepresentatives of the FranklinCounty Sheriff’s Office. More than150 attendees were given informa-tion about drug terminology andslang, current drug trends, physio-logical effects of drugs and waysyoung people can obtain and con-ceal drugs. The Alcohol and DrugAbuse Prevention Team (ADAPT)

Coalition is planning and coordinat-ing several team events and partici-pating in community eventsthroughout the summer, reachingthousands of attendees. The Preven-tion Department has a very activeteen leadership team. About 40teens traveled to Columbus in Aprilto take part in the annual We AreThe Majority Rally to promote and

Submitted photo

Lt. Shawn Bain of the Franklin County Sheriff’s Office shares drug trend information duringOperation Street Smart, presented May 25 at the Columbiana County Career and TechnicalCenter.

See FRC, Page 9A

AllianceCommunity

Hospital

Hoover

Family Recovery Center

PROGRESS 20164A Sunday, July 3, 2016

Sunday, July 3, 2016 5APROGRESS 2016

The Counseling Center, islocated at 40722 state Route154, Lisbon, was incorporated in1963 and is a private, not-for-profit organization providing afull range of services for theentire county including psychi-atric, counseling, crisis and com-munity support services, as wellas housing, vocational and home-less outreach programs. Thesehigh quality full-spectrum mentalhealth and substance abuse serv-ices are offered by the Center’scaring professionals to communi-ty members of all ages - children,youth, adults and seniors. TheCounseling Center offers a subsi-dized fee that is based on aclient’s ability to pay and gladlyaccepts Medicaid, Medicare andmost other insurances.On June 21 the Counseling

Center held a grand opening for anew eight unit Permanent Sup-portive Housing Project, TheHornsby House and there isalready a full occupancy.Increased capacity for youth

psychiatry through the addition oftwo Psychiatric Family NursePractitioners: Dr. ChristopherKalinyak, a Doctor of NursingPractice (DNP), board-certifiedas a Psychiatric Family NursePractitioner, Adult Nurse Practi-tioner and Clinical Nurse Special-ist; and Mr. Seth Frampton, aFamily Psychiatric Mental HealthNurse Practitioner, board certifiedby the American Nurses Creden-tialing Center (ANCC).The use of Vivitrol, a non

addictive injectable medication,has been established as medica-tion that will be used for addic-tion and alcohol dependency.

The Counseling Center alsooffers offices in East Liver-pool/Calcutta and Salem, recentlyopening a new satellite office inCalcutta on Pineview Drive nearBrusters. In addition, the center’sSalem location has expandedadult psychiatric services.Through the Capital Funding

to End Homelessness Initiative,the Kendall Home, which ishousing for people who arehomeless, was awarded$181,005 in order to makerepairs at the house.This past fall, the staff made

financial donations that helpedprovide vouchers for Christmastoys to 58 client families and 126children. The toy give-away alsoprovided toys to 77 additionalchild clients and as a result, thesefamilies were able to celebrateChristmas last year.Appreciation of The Counsel-

ing Center’s service was noted inseveral comments from commu-nity referral sources such as “Theintake staff are always veryfriendly and helpful every time Italk to them. Kudos!, thank youagain for the great services youragency provides. We really enjoyhaving your staff in our class-rooms, your services and sup-ports for folks in recovery areexcellent – you should all be veryproud of being a leader in Ohio inthis area.”All of the clients who complet-

ed satisfaction surveys felt thatthe Center locations were con-venient, they were treated in acourteous and professional man-ner and the services were helpful.

By DEANNE JOHNSONStaff Writer

LISBON — A recently openedhousing project, the HornsbyHouse, in Lisbon will give adultswith severe and persistent mentalillnesses a chance to live andrecover in a supportive environ-ment.Three years after the project

began, the Counseling Center hadan official grand opening in June.The eight-bedroom facility, alongwith two additional bedroomsadded in the form of a duplex inEast Liverpool, brings the total

apartment number to 49 availablethrough the Counseling Center forlocal severe and persistently men-tally ill residents, including thosealso struggling with substanceabuse issues.Subsidized with Section 8

Housing Choice Vouchers, thosetenants qualifying to live at thehome will pay no more than 30percent of their adjusted incomeand will receive 24-hour a day,seven-day a week on site support.Residents receive counseling,monitoring and recovery coachingwhile living in their own apart-ment in a home with both private

and common spaces.Kathie Chaffee, the executive

director of the Mental Health andRecovery Services Board, whowas speaking at the grand openingof the facility in June said JimHornsby, whom the facility isnamed after, was a supportive,kind, funny man, who was part ofa volunteer group helping mental-ly ill people.“This is a place where people

could live independently and stillget the support they need,” Chaf-fee said. “A place where they can

TheCounseling

Center

Morning Journal/Deanne Johnson

Those helping to cut the ribbon for the grand opening of the Hornsby House were (fromleft) Leah Werner, senior program manager, Corporation for Supportive Housing; Scott Min-gus, vice president of operations, J. Herbert Construction Co.; Les Zapor, architect, ZaporArchitects Group, Inc.; Joseph B. Shemasek, vice president of commercial loans, Farmer’sNational Bank; Roger Sikorszky, executive director, Counseling Center; John Byczkowski, vicepresident of communications, Federal Home Loan Bank of Cincinnati; Thelma Rist, chairColumbiana County Mental Health and Recovery Services Board; Shawna L’Italien, president,Board of Trustees of the Counseling Center; Kathie Chaffee, executive director, ColumbianaCounty Mental Health and Recovery Services Board; Terrie Kyser, housing coordinator, theCounseling Center; Doug Garver, executive director, Ohio Housing Finance Agency; BernieBennett, executive director, Columbiana Metropolitan Housing Authority; Douglas Bailey,community capital project manager, the Ohio Department of Mental Health and AddictionServices; and John Stock, developer, Stock Development Co., LLC.

Hornsby House

See COUNSELING, Page 9A See HORNSBY, Page 10A

Sunday, July 3, 2016 7APROGRESS2016PROGRESS20166A Sunday, July 3, 2016

Doctors On CallEAST LIVERPOOL—Doctors

On Call has been providing healthcare to the East Liverpool and sur-rounding communities since 2002.Dr. Ted Chrobak, D.O. is board

certified in family practice. He is acertified Medical Review Officerand registered with the FederalMotor Carrier Safety Administra-tion.Privately owned and providing

same day, all-inclusive health care,Doctors On Call strives to make thehealth care experience convenientfor patients and their families, as wllas the local and national companiesthey serve.For family medicine, the focus is

on treating children to adults fromeverything from coughs and coldsto lacerations. Both acute andchronic illnesses may be screened,diagnosed, treated and managed.This is assisted by patients havingconvenient access to X-ray, labora-tory, ultrasound, stress testing andEMG/NCV testing all under oneroof. The team at Doctors On Callstrives to assist patients with theutmost best in care coordination.A healthy workforce is an inte-

gral ingredient of a healthy busi-ness. When it comes to occupation-al medicine, Doctors On Call pro-vides many services include DOT,Non-DOT, T-8 and return-to-work

physicals. Drug testing, alcohol test-ing and a wide variety of other serv-ices are offered to assist companiesin maintaining productive employ-ees at a low cost.Workers’ Compensation injuries

are also treated at Doctors On Callwhen needed. As companies striveto keep safety at a high level,injuries may occur on rare occa-sions. Doctors On Call may servicethe initial and follow-up treatmentfor all workplace injuries. The teamprides itself on the efficient process-ing of paperwork and the effective

Windsor House Inc., owner andoperator of 11 nursing homes, fourassisted living communities and ahome health company, WindsorHome Health, continued to see ademand for those who needed shortterm rehabilitation, assisted livingcare and home health services in2015. “The nursing home industryused to be known as the place youwent to live out the rest of your life,but over the years, that haschanged,” says Dan Rowland, direc-tor of marketing for Windsor HouseInc. “We’re sending more and morepatients home to lead full lives.”Nursing homes today are more of arehabilitation destination and themiddle point between hospitals andhome. “Our goal is to return patientsto their normal living environmentas soon and as safely as possible,”noted Rowland.In 2016, Windsor House will

complete one project and startanother. Scheduled to open late

summer of this year is a new memo-ry care assisted living in Champion,Trumbull County’s only assisted liv-ing dedicated for the memoryimpaired. “Windsor House has seena growing demand in the MahoningValley for assisted living communi-ties for the memory impaired,” stat-ed Rowland. According to theAlzheimer’s Association website(www.ALZ.org), someone in theUnited States is diagnosed withAlzheimer’s every minute.In addition to providing peace of

mind for family members and safetyto the residents, those who reside atChampion Memory Care AssistedLiving will enjoy the privacy oftheir own apartment, as well as thecompanionship of staff membersand other residents. Residents willbenefit from daily recreational activ-ities and a secure outdoor courtyard.Additional amenities include a nurs-ing staff seven days a week, person-al laundry and housekeeping, three

fresh meals prepared daily, selecttransportation to doctor appoint-ments, emergency call system andmore.In addition to Champion Memo-

ry Care Assisted Living, this springWindsor House will break groundon a new skilled nursing center in

Canfield. The 60,000-square-footCanfield skilled nursing and rehabil-itation center, scheduled to open in2017, will consist of 72 privatebeds and will employ about 70workers. “Windsor House isextremely excited to care for the res-idents of Canfield and the surround-

ing community. We are thankful toCanfield City Council and CanfieldTownship Board of Trustees formaking this project come tofruition,” noted Rowland.For more information on Wind-

sor House Inc. call 545-1550 orvisit www.WindsorHouseInc.com.

Windsor House Salem Regional Medical CenterSALEM— At Salem Regional

Medical Center (SRMC), located at1995 East State Street, Salem, thelaunch of new services and severalnational recognitions during thepast year highlighted the hospital’songoing commitment to providingadvanced, high-quality health care.In April 2016, SRMC

announced the launch of its newestfacility renovation project, in aneffort to address the region’s grow-ing need for expanded outpatientcare and Endoscopy services.The Endoscopy expansion proj-

ect will enable SRMC to increaseits patient capacity, improvepatients’ comfort and privacy, andenhance staff work flow and effi-ciencies. At 11,600 square feet, thenewly expanded Endoscopy treat-ment center will be located on theground floor in its current space;and will also expand into the spacevacated by the Outpatient Proce-dures unit. A fourth procedureroom will be added to improvepatient access.In addition to the expansion of

Endoscopy services, the projectwill relocate SRMC’s OutpatientRegistration department into a larg-er and more functional space nextto the Endoscopy unit, to enhancepatient privacy and convenience.With an expected completion dateof early 2017 and a cost of $6.3million, the total expansion projectwill also include updating the floor-ing and walls of the main corridorthat runs from the hospital’s mainlobby to Outpatient Lab; as well asthe hallway that connects theEmergency Department with theSurgery Center.Growth continued at SRMC

with the opening of the hospital’snew Cancer and Infusion Center,Orthopaedic Bone and Joint Centerand Outpatient Procedures unit inFall 2015. The $4.6 million cancercare expansion and $2 millionorthopaedic and outpatient projectswere designed to meet an increas-ing community need for more con-venient access to advanced cancertreatment and to support a growingnumber of outpatients requiringthese specialized services.Fellowship trained in adult hip

and knee arthritis replacement sur-gery, Orthopaedic SurgeonDominic Peters, M.D., brought anew procedure to the region calledanterior hip replacement. Currentlyperformed by about 20 percent oforthopaedic surgeons across thecountry, this innovative procedureinvolves making an incision at thefront of the hip instead of goingthrough the buttocks or the side ofthe hip. Study results have shownthat many patients recover quicker,have less post-operative pain, dis-continue use of a cane or walkersooner, and return to their normalwalking pattern earlier.

General Surgeon Jonathan Puli-do, M.D., became the first physi-cian in Northeastern Ohio to offerthe ReShape Integrated Dual Bal-loon System, which is an FDAapproved, first-of-its-kind non-sur-gical weight loss procedure forpeople with mild to moderate obe-sity. ReShape provides a newoption for adults with a body massindex (BMI) between 30-40 and arelated health condition, whohaven’t succeeded at diet and exer-cise alone and are not a candidatefor bariatric surgery.During the past year, SRMC

was recognized by several nationaland state organizations for itsaccomplishments in providing safe,high quality care. In June, SRMCearned The Joint Commission’sGold Seal of Approval for itsOrthopedic Knee and Hip Replace-ment program, by demonstratingcompliance with The Joint Com-mission’s national standards forquality and safety in disease-specif-ic care.

The hospital earned the 2016Women’s Choice Award as one of“America’s Best Hospitals forPatient Safety,” acknowledging itsdedication to providing exceptionalpatient care and treatment. SRMCwas one of 472 U.S. hospitals toreceive the award that recognizeshospitals across the nation with anexcellent record in providing a safeenvironment for women and theirfamilies.

For the third consecutive year,SRMC’s Wound Healing Center(WHC) was recognized as a “Cen-ter of Excellence” by Healogics,Inc. The WHC was 1 of only 9Ohio facilities to receive this honorfor maintaining outstanding patientsatisfaction and wound healingrates.Both SRMC and Salem Home

Medical successfully completedThe Joint Commission’s (TJC) sur-

vey accreditation process, demon-strating compliance with TJC’snational standards for health carequality and safety.The hospital’s Laboratory

Department successfully completedits bi-annual accreditation inspec-tion by the College of AmericanPathologists, which is designed toensure that clinical laboratoriesmeet or exceed regulatory require-ments.SRMC’s Skilled Nursing Facili-

ty (SNF) was re-licensed by theOhio Department of Health, fol-lowing an annual survey designedto measure the quality of care pro-vided to SNF residents.SRMC’s continued pledge to

meeting the health care needs ofarea residents remains at the heartof the hospital’s mission, “ToServe. To Care. To Heal.” Duringfiscal year 2015, SRMC providedcomprehensive health care servic-es, including: 5,427 admissions;3,445 surgeries; and 28,951

Submitted photo

Windsor House plans expansions to meet demand.

Each of the 15private treat-ment bays inSRMC’s new Can-cer & InfusionCenter have beendesigned toenhance patientcomfort and sup-port familyinvolvement, andare furnishedwith recliningchairs and televi-sions.

SRMC’s Endoscopy expansion project is designed to meet the region’s growing need forexpanded outpatient care and endoscopy services, and will also provide new registrationand waiting areas to enhance patient privacy and convenience.

Anita Hackstedde, M.D.,Salem Regional Medical Cen-ter’s President/CEO, displaysthe 2016 Women’s ChoiceAward, given to SRMC as oneof America’s Best Hospitalsfor Patient Safety.

Submitted photos

Salem Regional Medical Center celebrated the completion of

See SRMC, Page 10A

Most don’t shop for lowerprescription drug prices

By MATTHEW PERRONEAPHealthWriter

WASHINGTON — Most peo-ple don’t shop for lower prescrip-tion drug prices. They should, espe-cially now that there are easierways to do so.More than a dozen websites and

apps are vying to help U.S. con-sumers find the lowest prices forprescription drugs by comparingprices and searching for deals, sim-ilar to the way Expedia looks forcheap airfare or Bankrate.comlooks for lowmortgage rates.“Patients want to see a pharma-

cy that says ‘every-day low prices,’but most pharmacies can’t achievethat because the way prices areconfigured is pure mayhem” saidProfessor Darius Lakdawalla, ahealth economist at the Universityof Southern California. “That’swhy consumers need to know:‘Where can I get my beta blockerfor the best price?’”Recent studies show that more

than one in five prescriptions in theU.S. go unfilled, in part due tofinancial hardship. Yet only 17 per-cent of U.S. consumers are willingto check multiple pharmacies forlower drug prices, according to asurvey by Consumer Reports.

Q:What do these services do?Websites and apps like GoodRx

and WeRx are doing two basicthings: searching local pharmacyprices and then applying variousdiscounts and coupons available tocustomers. The search results will

show, for example, that a 30-daysupply of a common cholesteroldrug is $11 at Wal-Mart and $13 ata Kroger pharmacy. In both casesthe price is linked to a couponwhich the app downloads so thecustomer can give it to the pharma-cist.The services are exploiting the

complex, nearly-constant negotia-tions between pharmacies, drug-makers and pharmacy benefit man-agers that result in wide price dis-parities for commonly-used med-ications to find the best deals avail-able that day.“We’re trying to give you a

baseline of information so that youcan make the right decision,” saysDoug Hirsch, founder and CEO ofGoodRx, the largest of the services.GoodRx, founded in 2011,

offers 25 million users access todiscounts from pharmacies, drug-makers and pharmacy benefit man-agers. Newer services includeBlink Health, which says it negoti-ates lower drug prices by poolingits users with customers of pharma-cy benefit managers. Each of thecompanies claims to have the low-est prices available, so consumersmay want to shop around.

Q: Who stands to benefit mostfrom these services?Patients who are taking several

generic drugs and have no insur-ance or high co-pays. Most of thelargest savings to be had are for

See APPS, Page 10ASee DOCTORS, Page 10A

Making life better...one patient at a time.Making life better...one patient at a time.98% of our patients would recommend us to friends and family.

RVP provides medical services to the community through a network of physicians and nurse practitioners. Medical services include Family Practice, gynecology, internal medicine, orthopedics and sports medicine,

urology, and Ear/Nose/Throat - including an audiologist.Most insurance plans are welcome.

425 West 5th Street •ÊEast Liverpool, Ohio330-385-7200

Internal Medicine I123 W. 6th St., East Liverpool330-385-7170

Otolaryngology Ear, Nose, Throat, Allergy & Audiology15613 Pineview Drive, Suite C, East Liverpool330-382-1422

Primary Care &Women’s Health16761 St. Clair Ave, Suite 2, East Liverpool330-385-9670

General Surgery & GI 205 W. 6th St., East Liverpool330-386-6444

Family Medicine15655 State Rt. 170, Suite H, East Liverpool330-932-0183

Orthopedics &Sports Medicine425 W. 5th Street, East Liverpool330-386-2047

Internal Medicine II205 W. 6th St., East Liverpool330-385-9509

Urology205 W. 6th Street, East Liverpool330-386-9212

Saving Hospitals. Saving Jobs. Saving Lives.

Submitted photo

Shown front, from left, Kelley Blystone, Angie Carr, Dexter Witherow, Lyndsey Walker; back,Vicky DeJane, Jessica Hazlett, Beth Watkins, Heidi Smith and Jamie Koontz.

Nurses also are necessaryfor procedures such as colono-scopies and endoscopies, aswell as pediatric outpatient sur-geries for dental and ear-nose-throat maladies, she said.

On the behavioral healthside, the hospital contracts withPsychiatric Resource Partnersfor psychiatric services forpatients who are 55 and older.Patients there are cared for bypsychiatrists, social workers,nurses and milieu specialists.

City Hospital also contractswith New Vision for the provi-sion of addiction services relat-ed to the management of with-drawal symptoms. An averageof 55 patients a month spendthree to five days in an inpa-tient setting under the care ofdoctors and nurses, while theirdrug or alcohol addiction-relat-ed symptoms are stabilized.

In the cardiac rehabilitationunit, nurses assist with stresstests, EKGs, exercise regimensand other aspects of recoveringfrom cardiac events-heartattacks, coronary bypass sur-gery, heart valve replacement,heart transplants, angioplastyand chest pain caused byblocked arteries.

City Hospital also employsnurses as community educa-tors, IT specialists, case man-agement experts and infection

control specialists, Rose said.The hospital’s wound care

center has a nurse as a directorand other nurses who assistdoctors with care for patientswith chronic wounds. The cen-ter’s hyperbaric oxygen cham-ber does an average of 33 pro-cedures a month, she said.

Nurses also are an integralpart of the emergency depart-ment, which has 22 rooms andsees an average of 110 patientsa day. Five RNs are on duty atthe busiest time of the day.

— Stephen Huba

ChangesEAST LIVERPOOL —

River Valley Physicians hasalready seen its share ofchanges in 2016.

In January, internal medi-cine physician Dr. Clement“Craig” Cahall joined thegroup, making his office onSixth Street the ninth site forRiver Valley Physicians in EastLiverpool/Calcutta.

The Cahall office buildingnow has three River Valleyservice lines, and his office isopen from 7 a.m. to 7 p.m.Monday through Thursday.

Then, in February, PrimeHealthcare Foundation com-pleted its acquisition of RiverValley Health Partners, formerowner of East Liverpool CityHospital, and River ValleyPhysicians, a network of doc-

tors associated with the hospi-tal.

Those developments camein the wake of the September2015 move of the RVP Ortho-pedic & Sports Medicine Serv-ice from the City HospitalEmergency Department to thesixth floor, former home of thepediatric unit.

River Valley’s orthopedicsurgeon, formerly an independ-ent contractor, is Dr. MarcyDickey.

“We continue to look forgrowth opportunities andexpansions,” said RVP Execu-tive Director Beth Weir. “Weare concentrating on primarycare, to make sure we haveenough providers for folks inour service area to receive careat times that are convenient forthem.”

River Valley’s main servicelines include orthopedic sur-gery, general surgery, familypractice, internal medicine,urology, OB-GYN, and ear-nose-throat. Each service linehas its own location, and all theRVP offices are within twomiles of each other, Weir said.

River Valley hopes toexpand into mental health serv-ices in the near future. “We areactively recruiting for the men-tal health service line,” Weirsaid.

Weir is enthusiastic aboutthe group’s prospects under thenew ownership.

“They are similar in outlookin that what we want to do isprovide the best possible corecare for our patients-primarycare, orthopedic services,things they want close tohome,” she said.

Prime Healthcare also islooking at areas that are in needof expansion and improvement,she said.

“One thing they’re doing isfocusing a lot on our infrastruc-ture, making sure we have thebest possible equipment, doinga lot of upgrades to our bigequipment. Those things aregoing to be very noticeable toour physicians and our staff,”Weir said. “The public will def-initely benefit.”

— Stephen Huba

Ohio ValleyHome Health

EAST LIVERPOOL— Asmuch as a hospital stay is noth-ing to look forward to, thereturn home is often just aschallenging.

Since 1967, Ohio ValleyHome Health Services Inc. hasbeen helping people make thetransition from hospital tohome, reducing their hospitalstay and the likelihood of anursing home admission.

“There’s always been a gapbetween that skilled care thatpeople get in the hospital andwhat they get at home,” said

Director of Clinical ServicesDeb Locke.

The agency, located on thefirst floor of East LiverpoolCity Hospital and now ownedby Prime Healthcare Services,provides skilled nursing carefor hospital patients once theyare back in the home. It alsoprovides physical therapy,occupational therapy, speechtherapy, home health aide serv-ices, social worker services andnonskilled care.

“It’s much more cost-effec-tive for a patient to be cared forin the home rather than in askilled nursing facility,” Lockesaid. “Usually, once they startto improve, the patients areable to go home more quickly.”

Ohio Valley Home Healthcontinues to grow as the trendtoward more in-home caregrows. Even in the last sixmonths, its census hasincreased as referrals haveincreased.

“We’re getting a lot ofreferrals from physicians inWeirton, at the Pittsburgh hos-pitals and from the HeritageValley Health System inBeaver County,” Locke said.“Physicians are starting to real-ize that it’s more effective andless costly to take care ofpatients in their home.”

The agency’s services arecovered by Medicare, Medi-caid and most private insurers.It also receives referrals from

the Area Agency on Aging, theU.S. Department of VeteransAffairs, United Healthcare,Medicaid Managed Care, theOhio Home Care Waiver andthe MR/DDwaiver program.

“We have a good reputa-tion,” said Director of Admin-istrative Services Janet McCoy.

Locke said the majority ofthe agency’s patients are 60and over. Many of them requireIV care in the home, therapyfor joint replacement surgery,post-stroke rehabilitation, treat-ment for cardiac or respiratoryproblems and help with manag-ing diabetes.

Ohio Valley Home Healthemploys 15 nurses (RNs andLPNs), two skilled aides and41 home health aides. The lat-ter provide personal care andhomemaker services, includinghelp with minor chores.

The agency’s geographicoutreach now includes Han-cock and Brooke counties inWest Virginia-it has a separateoffice in the Chester MunicipalBuilding-all of ColumbianaCounty, the southern part ofMahoning County and thenorthern part of JeffersonCounty.

Other services include Sen-ior Link Adult Day Services inGlenmoor and training for fam-ily members of patients receiv-ing in-home services.

— Stephen Huba

PROGRESS 20168A Sunday, July 3, 2016

OUR NURSESThe Heart of Our Hospital

Our nurses act as advocates, leaders, educators and caretakers through the late night, early mornings and every hour in between. Always making sure that each patient receives the compassionate, quality care and attention they’ve come to expect.

Making Life Better.One Patient at a Time

425 West 5th StreetEast Liverpool, Ohio330-385-7200www.elch.org

ELCHContinued from Page 1A

They also stated they would rec-ommend the Counseling Centerto their friends and families say-ing “the counselors were verycompassionate and honest. I feltvery comfortable and caredabout. I have learned a lot andhave been using the skills taughtto me every day. It has been anextraordinary experience. Thank

you.”A proud member of the com-

munity for 53 years, the Counsel-ing Center is grateful to thosewho have supported the leviesthat help the agency offer all itsmany needed services.For more information on the

Counseling Center call 330-424-9573 or online www.colmhc.org.

Sunday, July 3, 2016 9APROGRESS 2016

Boardman1265 Boardman-Canfield Rd.Boardman, Ohio 44512Phone: (330) 758-9400

Calcutta16844 St. Clair Ave.East Liverpool, Ohio 43920Phone: (330) 386-6500

Joseph A. Cerimele, DO Physical Medicine & Rehabilitation

Sports Medicine

Joseph A. DiDomenico, DCChiropractic OrthopedicsChiropractic Consultant

John L. Dunne, DOOccupational MedicineIndependent Medical ExaminerWorker’s Compensation Specialist

Our unique practice model of physicians

within the specialties of:

• Medicine

• Physical Medicine & Rehabilitation

• Occupational Medicine / Primary Care

• Chiropractics

Provides excellent treatment of:

• Sports & Auto Injuries

• Musculoskeletal Disease

• Acute & Chronic Pain

• Post Surgical Rehabilitation

• Workers Compensation Injuries

With an expert team of on-site physician directed

and supervised rehabilitation staff consisting of:

• Therapists

• Athletic Trainers

• Exercise Physiologists

• Massotherapists

You don’t have to wait to see us!We are open everyday!

How to Get Started

1Call to make an appointmentIt’s that easy. Whether you need to come in for your first appointment after your injury or get a second opinion, we can help you begin your road to recovery.

Call our office at (330) 386-6500

2

The Ohio Sports & Spine Institute has developed

and expert team approach to treating musculoskeletal injury and disease. We are the only practice in the area that specializes in a combination of physical medicine and rehabilitation, occupational medicine, chiropractic medicine, acupuncture, and massage.

Our Therapy Staff

Andrew J. Hospodar, DC, LACChiropractic Orthopedics Acupuncture

SALEM VNAContinued from Page 2A

FRCContinued from Page 3A

COUNSELINGContinued from Page 5A

CALCUTTA—When it comesto recovering from illness or injury,one facility can help people getback on their feet and handle sever-al treatments all under one roof.The Therapy Center of East Liv-

erpool City Hospital provides thera-py through a variety of programsand services that best benefit thepatient. Located within the CalcuttaYMCA on state Roue 170, sinceJan. 2, 2003, the center serves asthe rehabilitation department of thehospital for outpatients, but alsocaters to inpatients from the hospi-tal for physical therapy (PT), occu-pational therapy (OT) and speechtherapy.Physical therapy involves the

treatment of injuries and disordersusing physical methods. Thisincludes threapy designed toimprove mobility, recover fromweakness or limited endurance,help treat diseases or disabilities,restore function and prevent disabil-ity from disease, and treat pain. Thecenter can can help patients with aplan to include strength trainingstretching for flexibility,balance/coordination aquatics, mas-sages, and developmental mile-stones. Some of the workoutsinclude positioning, mobility, grossmotor development, teaching trans-fers and exercises for the legs,arms, back and neck.Occupational therapy involves

skilled treatment to help patientsgain independence, and assistspatients to develop skills for living(like dressing and grooming),strengthen fine motor development,work with sensory disorders, han-dle learning behavior disabilities,and perform exercises with fingers,hands and shoulders. OT can serveas a benefit for those with work-related injuries, stroke, chronic con-ditions like arthritis or multiplesclerosis (MS), birth injuries orlearning problems, mental health orbehavioral problems, spinal cordinjruies and amputations, and thosewith broken bones or hand injuries.Speech therapists at the center

work with patients of all age groupswho may have cognitive deficits,fluency disorders, swallowing dis-orders, expressive languagedeficits, voice disorders, receptivelanguage deficits, speech disordersand Autism spectrum disorders.The center also handles vestibu-

lar rehabilitation, treatment withpatients with Parkinson’s diseasewith the Big Movements and theLoud program for the voice, andlymphadema treatments for thosewith fluid build-up.Maria Boyd, director of the cen-

ter, said the facility at the YMCAprovides a fit for the services need-ed as opposed to originally at thehospital itself.“This was actually a better fit for

growing our outpatient, moving outthe actual shell,” Boyd said.Boyd noted with its location, it

can utilize some of the benefits theYMCA also provides, including itstrack, gym equipment and swim-ming pool.“The aquatic therapy is good for

joint protection, one of the reasonswe use it for some of the diagnoses,but otherwise you can get a greatcardiac workout,” Boyd said. “Wehave a lot of people who have, overtime, we have bad knees, hips,ankles, you can do what’s calledaqua jogging in the deep end of thepool, so if you still really want towork your cardiac system, but youcan’t go fast enough on land, it’s agood way to keep your systemhealthy while you still heal.”According to Boyd, the center is

also able to treat pediatrics, notingits high pediatric population, andalso can work with workers’ com-pensation.“The nice thing is the facility

that we have shared with theYMCA does help us with beingable to offer those workers’ comppatients a way to get back to workthat offers more activity,” Boydsaid. “We have the space to mimicwhat their job is here, which helps.”Another key aspect to its loca-

tion is the ability for therapists from

PT, OT and speech therapy to beable to interact with each other andthe patient at the same. Karen Tice,the center’s rehabilitation coordina-tor, mentioned the better conven-ience.“Some people work out here but

they also may do home health sothey’re seeing each other at differ-ent levels,” Tice said. “But being inone building, if a patient sees allthree disciplines, then they cancommunicate with that and seeeach other. Sometimes they mayeven be together doing differentthings.”The in-house staff of 25 helps

out in several ways to make thepatients feel comfortable, but asBoyd mentioned, they also goabove and beyond to make thepatient happy as well.“We had a birthday party for this

little girl whose basically wholefamily died in a car wreck. Hereshe is a paraplegic now,” Boydsaid. “She wasn’t supposed to bedoing anything, and now she’swalking with minimal bracing now,and she’s still here everyday. Shemakes the grown men cry thatcome around from the Y. This 9-year-old and all these men.“We planned a surprise birthday

party, and we all wore pink paja-mas, even the men, one daybecause that’s what she wanted.Just those kinds of things that justlighten them up. The staff neverceases to amaze me how much theycan actually wow their patients, andit makes being a director easier.”The Therapy Center also han-

dles outside contracts includinghome health, althletic training forBeaver Local, East Liverpool andWellsville schools, Robert BycroftSchool, Columbiana County HeadStart, early intervention for thecounty and the Federal CorrectionInstitution in Elkton.For more information, call 330-

386-2054.— Steve Rappach

The Therapy Center

encourage pride in living theirlives drug-free, and a large groupof teens from both Columbianaand Jefferson counties are attend-ing Leadership Camp at MohicanState Park during the summer.A beautification project on

agency property at the corner ofNorth Market Street and SaltwellRoad was completed in the fall of2015. A 25-foot lighted flagpolewas erected, complimented by adecorative stone wall, tastefullandscaping and concrete walk-way. This area was formally dedi-cated during a Tribute to Veteransevent held on Veterans Day andattended by many communityleaders, FRC supporters and veter-ans organizations. We are consid-ering making this an annual event.In November, Family Recovery

Center was honored to receive theNon-Profit of the Year award fromthe Salem Area Chamber of Com-merce. The award was presented

during the Chamber’s annualmeeting Nov. 18 at the SalemCommunity Center.Looking forward, 2016 already

promises to be another successful,busy year. The Columbiana Coun-ty Mental Health and RecoveryServices Board received more than$110,000 in funding to betterserve persons incarcerated at theColumbiana County Jail. Throughthis program, Family RecoveryCenter is providing alcohol/drugabuse treatment services toinmates, as well as helping inmatesplan for re-entry after release. Weplan to continue to build upon oursuccess in Jefferson County withthe addition of services and pro-gramming to better serve the com-munity. Throughout this growthand change, however, our missionremains the same: To MakeRecovery a Reality.

Home Care Advantage are accred-ited by the Joint Commission andare partially supported by theNorthern Columbiana County Unit-ed Way. Salem Area VNA andHome Care Advantage are commit-ted to expanding our services tomeet the home health care needs ofclients in Columbiana County.

For information on services orthe Adult Daycare Program contactagency Director Susan K. Yoder,Ph.D., R.N. or the Adult DaycareDirector Patricia Flamino, MSN,R.N. at 330-332-9986. We lookforward to serving the residents ofColumbiana County for another 98years.

SRMCContinued from Page 7A

APPSContinued from Page 6A

DOCTORSContinued from Page 6A

Emergency Department visits.Salem Regional Medical

Center is a private, non-profit,independent hospital; and thelargest employer inColumbiana County with morethan 1,000 staff members. Theimpact of SRMC’s workforcetriggers a strong impact on thecommunity as SRMC’s annualpayroll contributes $46 millionto the economy. Each SRMCjob supports about two morejobs in our local communitiesand every dollar spent bySRMC creates further eco-nomic value in goods and serv-ices to area business of about$2.30 of additional businessactivity.For more information on

Salem Regional Medical Cen-ter call 330-332-1551 or visittheir website www.salemre-gional.com.

PROGRESS 201610A Sunday, July 3, 2016

hopefully be a positiveinfluence on one another. Ihope they get the sense ofcommunity Jim really per-sonified.”Terrie Kyser, housing

coordinator at the Counsel-ing Center, also spoke wellof Hornsby, stating he beganas someone who neededhelp himself and later waspart of efforts to help others,speaking about what can bedone for those dealing withmental illness and workingwith others.“He epitomized what this

is,” Kyser said. “This manwas truly loved. Everyoneknew Jim.”The project was funded

by the Ohio Department ofMental Health and Addic-tion Services, the OhioHousing Finance Agency,the Federal Home LoanBank of Cincinnati, a start-up loan from the Corpora-tion for Supportive Housing,a bridge loan from the FirstNational Community Bankand there was additionalfunding from the OhioDevelopment ServicesAgency and the ColumbianaCounty Mental Health andRecovery Services Board.John Byczkowski, vice

president of communica-tions for the Federal HomeLoan Bank of Cincinnati,also spoke at the openingceremony in June. Hisorganization gives millionseach year for housing proj-ects for those in need and henoted when you think aboutthe need for a place like theHornsby House it makesyou “count your blessings.”“The gulf between those

who are fortunate and thosewho need this type of facili-ty is not that wide,”Byczkowski noted.djohnson@mojonews.com

Submitted photo

The Cancer & Infusion Center includes a Community Treatment area that is furnished with sixreclining chairs and televisions, for patients who wish to receive therapy in a more social, grouptreatment setting.

HORNSBYContinued from Page 5A

generic drugs, where compe-tition between multiple man-ufacturers and pharmaciesleads to a wide range ofprices.Discounts on newer,

branded drugs are harder tofind, since they are typicallyproduced by one companythat doesn’t have to cutprices to compete. Still, serv-ices like GoodRx can link todrugmaker coupons thatbring down the price of evenhigh-end drugs like Humira,an injectable treatment forpsoriasis. These coupons irkinsurers because they enticepatients to opt for the brand-ed drug by making the out-of-pocket cost to the patientcomparable to that of ageneric — but they don’treduce the higher cost theinsurer has to pay for the

medication. Still, it helpspatients reduce the amountof money leaving their wal-lets.Some of the priciest drugs

won’t appear on pharmacyapps at all. Specialty cancerdrugs like Avastin, for exam-ple, must be administered ata doctor’s office and aren’tavailable at the pharmacy.

Q: How do these dis-counts work with my healthinsurance?They don’t. The prices

quoted by apps need to bepaid by the consumer andcan’t be used to lower yourco-pay. However, the servic-es’ cash prices are often lessthan patients’ co-pays, espe-cially for those in high-deductible health plans. Forexample, it may be cheaper

to fill a $4 prescription for ageneric drug at Wal-Mart orTarget than to use yourinsurance and pay a $12 co-pay. In these cases, pharma-cy apps simply direct cus-tomer traffic to long-standingoffers at big-box stores. Inother cases, the services pro-vide a streamlined way ofobtaining coupons and dis-counts that consumers wouldotherwise have to juggle ontheir own.

Q: So where do these dis-counts come from?In some ways, pharmacy

apps are just updating adecades-old business. Manyof the offers found onGoodRx and similar servicescome from discount pro-grams offered by prescrip-

tion benefit managers likeMedImpact and OptumRx.Those companies are bestknown for negotiating lowerdrug prices on behalf of largeemployers and insurers, butthey also have separate busi-nesses offering discountpharmacy cards to con-sumers who pay cash. Thecards have been distributedthrough the mail, newspa-pers and magazines for morethan 20 years. Pharmacieslike the programs becausethey ensure a steady streamof cash-paying customers.And the card programs pock-et a small percent of eachtransaction, a sort-of finder’sfee. This is also one of theways that the new servicesmake money.

coordination of patient care.Convenience and personal

attention are at the heart ofDoctors On Call. Whetherserving an individual or abusiness, the staff goes aboveand beyond to provide quali-ty, convenient health care.We accept most commer-

cial health plans, Medicareand government assistedplans such as United Health-care Community Plan, Care-Soure, Molina, Buckeye andParamount, just to name afew.Doctors On Call is now

accepting new patients. Formore information or to sched-ule an appointment, pleasevisit docmedicalcenter.comor call 330-386-6339.

Let our experienced and compassionate staff care for

you in the privacy and comfort of your own home. We’ve been

helping people just like you since 1919.

• Skilled Nursing • Infusion Therapy • Rehab Therapies • Lab Services• 24 Hour Services • JCAHO Accredited • Diabetes Education

• Maternal & Child Health • Certified Home Health Aides

330-332-9986 or 800-879-6070Medicare/Medicaid Certified

718 E. Third St., Suite A • Salem

For Your Private Duty Needs...

• Nurses • Home Health Aides• Homemakers • Companions

• Private Duty Care & Passport Waiver1-24 Hours • 7 Days A Week

330-337-HOME • 330-337-4663718 E. Third St., Suite C • Salem

BWC and Veterans Provider

Fast money: Banks making iteasier to split the tab

KEN SWEETAP BusinessWriter

NEW YORK — Splitting thebill for those pizzas you shared withyour buddies or that utility bill thatis suddenly due is going to get easi-er and faster even if you don’t alluse the same bank.JPMorgan Chase, Wells Fargo

and other big banks are upgradingtheir online payment services to letcustomers make instant transfers ofmoney to others who bank else-where, often at no cost.The move comes as traditional

banks face pressure from paymentcompanies like Venmo and SquareCash that offer ways to split the bill.Banks developed online services

that allow their customers to sendmoney to anyone with a phonenumber or email address severalyears ago. But the services wereconsidered overly complicated.Until last year, bank customerscould only send money to anothercustomer the same bank. The onlyoption bank customers often had tosend money instantly to anotherperson was a wire transfer, whichcan cost upward of $30 at a branch,or to use a service like WesternUnion, which also charges a fee.When the option to send money

to person at a different bankbecame available, the service wouldtake upward of three days to com-plete. Silicon Valley startups Ven-mo and Square Cash, on the otherhand, promised person-to-persontransfers that were open to anyonewith a debit card and would becompleted in as little as one busi-ness day.The banks don’t want to lose

more customers and are trying totop Silicon Valley.“This is what our customers

have been asking for,” said JasonAlexander, head of digital plat-forms for Chase, in an interview.Chase, the nation’s largest bank

by assets and the largest bank oper-ator of person-to-person payment

services, is rolling out its upgrade toChase QuickPay next month. WellsFargo is launching its service inJuly. Bank of America customershave had the ability since March,but only between them and U.S.Bank — they were the only twowith the necessary softwareupgrades at the time. Capital Oneplans to roll out real-time transferslater this year, a spokeswoman said.The instant payments between

these big banks come with a limita-tion: the instant payments will onlyoccur between banks on the samenetwork, called clearXchange. Thenetwork includes Chase, Wells Far-go, BofA and U.S. Bank, as well asCapital One and Colorado-basedFirstBank. That network represents60 percent of all U.S. mobile bank-ing customers, according to a Chasespokesman.ClearXchange is expected to

grow in the coming years, saidGareth Gaston with U.S. Bank.“It’s about connecting all the

banks together to make our cus-tomers’ lives a little simpler,” Gas-ton said.

Acceptance of mobile paymentshas accelerated in recent years.About 46 percent of U.S. con-sumers have made a mobile pay-ment, according to a study by ThePew Charitable Trusts released thisweek, with most of those usersbeing millennials or members ofGeneration X.“It will take some time for cus-

tomers to adopt this, but we want tobe there and be ready when our cus-tomers are ready,” Gaston said.Users of Venmo sent $1 billion

in payments in the month of Janu-ary this year, up from $100 millionin the same month in 2014. Incomparison, Chase customers nowsend $20 billion a year usingQuickPay. Wells Fargo customerssend $10 billion over its serviceSurePay.Mobile payments, particularly

when people are splitting a bill,reached a level where Venmo usersare using the pizza emoji every 20seconds when sending money toeach other.

Associated Press/Mark Lennihan, File

In this Wednesday, Jan. 14, 2015, file photo, a customeruses an ATM at a branch of Chase Bank, in New York.JPMorgan Chase, Wells Fargo and other big banks areupgrading their online payment services to let customersmake instant transfers of money to others who bank else-where, often at no cost.

BOARDMAN — Dr. JamesLeone began a journey a year agothat helped many people create real-istic weight loss goals and have greatsuccess with the program. NutriMostis located at 6775 ApplewoodBoulevard, Boardman, and Leonesaid that it is not a weight-loss pro-gram, but a personalized fat loss pro-gram. He makes it clear that there isa distinct difference between the two.“We don’t want people just losingweight, we want them losing fat,”Leone said. “A person can starvethemselves and lose weight, (this iswhat most diet programs do); how-ever, they won’t get into fat burn-ing.”NutriMost is a personalized fat

burning program that is scientificallydesigned to get people into optimalfat burning. At the office, Leone runsa Body Composition Analysis(BCA) on each patient. This providesa snapshot of the patient’s currenthealth condition measuring nine criti-cal factors. For example, it showsbody fat percentage, hydration levels,and how effective their metabolismis working to name a few.One of the most crucial aspects

that the Body Composition Analysischecks for is whether the patient ishydrated. What he had to say aboutpatients’ hydration levels was shock-ing. “Just about 100 percent of thepeople we check are dehydrated,”Leone said. “We’re the only pro-gram that checks for this in a hightech way and we are the only pro-gram that has procedures to get peo-ple better hydrated. Getting betterhydrated is not as simple as drinkingmore water. Your body has to havethe chemical and nutritional wherewithal to hold the water and movethe water into the cells. Otherwise,your brain, knowing that your bodyis dehydrated, will hold fat cellshostage for their water content.”The Body Composition Analysis

Report also shows the patient’s meta-bolic age. If the age of one’s metabo-lism is running above their currentage, their metabolism is slow andthey are trapped in fat storage insteadof fat burning. The NutriMost FatLoss Program is scientificallydesigned to get each person’s body

flipped from fat storage into fat burn-ing, Leone said.Leone is not only endorsing a

program that he thinks works, he hasundergone the program himself andhad successful results. “I have strug-gled with weight since I was a kid,”Leone said. “So I know what it islike to be overweight. I was at myhighest weight several years ago.Being interested in natural healthcare and nutrition I have tried allthose different diet programs on myown without lasting results. I waspre-diabetic. I had high blood pres-sure, high cholesterol and hightriglycerides. I was the same age mydad was when he started to haveheart attacks and I felt terrible. I wasafraid that I was going to have aheart attack.” This was Dr. Leone’ smotivation to begin a NutriMost pro-gram for himself. He lost 30 poundsin three weeks and has kept it off fora year now. He is no longer predia-betic, and his blood pressure, triglyc-erides and cholesterol are at goodlevels. He also said that just aboutevery one of his patients who startthe program with high blood pressureand type 2 diabetes has to lower orcompletely get off their medicationaltogether because they no longerneed it.This program is a life transform-

ing program. It changes a person’srelationship with food. Their life willnever be the same again in goodways because of this program. Whenasked if so much weight loss in sucha short amount of time is safe, Leonesaid that as long as the body is in fatburning, it is safe and healthy for thepatient.The nutritional program does not

have any prepackaged foods, andthere are no shakes. Leone said thatthe patient eats the healthy, nutritiousfoods that people buy at grocerystores such as proteins, vegetablesand fruits. It is a reduced calorie diet.Leone has been a practicing chi-

ropractor for 39 years and has beeninvolved in natural healthcare meth-ods and nutrition. He is also a certi-fied chiropractic orthopedist. If youwould like more information aboutthe NutriMost Ultimate Fat LossSystem call 330-727-1407.

Sunday, July 3, 2016 11APROGRESS 2016

NutriMost

PROGRESS 201612A Sunday, July 3, 2016

Sunday, July 3, 2016 1BPROGRESS 2016

By MARY ANN GREIERStaff Writer

SALEM—The ever-expandinglist of programs available at theSalem campus of Kent State Uni-versity will grow again next fall,this time in the area of horticulture.

“We’re excited about that,”Assistant Dean Dr. Celeste Opreansaid.

Two new certificate programswill be introduced, one for Floricul-ture and one for Greenhouse Man-agement. The curriculum is current-ly being developed, but Opreanexplained that these programs willallow a student to come out of highschool, learn the physical skills andbackground needed for the particu-lar area and be able to walk into theindustry. The certificates can alsotie into an associate degree.

The Salem Campus is workingin tandem with the Geauga Campusin Burton on the certificate pro-grams, but Salem will be the desig-nated campus to provide the pro-grams.

Since its construction in 1971on a picturesque 100 acres filledwith flora and fauna along stateRoute 45 outside Salem, Kent StateUniversity has continued to servethe educational needs of area resi-dents and become a contributingmember of the Salem area commu-nity through volunteerism by both

students and staff to local causes,like Habitat for Humanity and theBanquet in Salem.

“We’re like that little gem hid-den in the back woods that not a lotof people know about but it’s a coolplace to be,” Oprean said.

The campus has continuouslybeen updated, especially in recentyears, to keep up with the additionof programs, the needs of industryand the needs of students. The cam-pus includes a lake, walking trailsand community-used soccer fields.

“We’re always looking for grantopportunities to continue to upgradetechnology,” she said. “As theworkforce changes, we have tokeep up with that. We’re alwayspushing the envelope to the nextlevel.”

Students returned this year fromwinter break to a new-look librarythat included new carpeting, newpaint, moved shelves, a new loca-tion for the circulation desk and

Kent State UniversitySalem Campus

East LiverpoolCampus

By STEPHEN HUBAStaff Writer

EAST LIVERPOOL — Fromthe time classes began in the Inter-national Brotherhood of OperativePotters building in 1965 until thepresent day, Kent State Universityhas increasingly become a part oflife in East Liverpool.

Today, it is an anchor for the city— the only “downtown” campusamong the eight campuses in theKent State regional system.

“We feel that we are vital to thesuccess of the community. We’revery tied to the community,” saidDr. Susan Rossi, assistant dean.

The Kent State East LiverpoolCampus comprises Purinton Hall,the Mary Patterson Building and,most recently, the James and Mar-garet Locke Occupational TherapyFacility. Located at 134 W. FifthSt., the Locke House was dedicatedin September 2015 and is home tothe occupational therapy assistantprogram.

The latter is among the top threeassociate degree programs at KentState East Liverpool, the other twobeing nursing and physical therapyassistant, Rossi said. Only East Liv-erpool and Ashtabula offer the phys-ical and occupational therapy

degrees.

In total, East Liverpool offers 10associate degree programs and fivebachelor’s degree programs. Morethan 900 students attend the EastLiverpool Campus exclusively,while another 1,300 take some oftheir classes here.

Rossi said enrollment for thisyear’s spring semester is up fromlast year. East Liverpool is uniqueamong the Kent State campuses inits proximity to three states.

“It’s not unusual for us that wehave students, staff and faculty fromOhio, West Virginia and Pennsylva-nia,” Rossi said. “That’s just howwe’ve always been.”

Kent State’s outreach to WestVirginia includes Hancock, Brookeand Ohio counties. In Pennsylvania,it includes Beaver, Washington andGreene counties. Because of a reci-procity agreement, students fromthese areas don’t have to pay the fullout-of-state tuition.

“It would be cheaper for a Penn-sylvania student to come to us ratherthan their own Penn State branch-es,” Rossi said.

Many of those students are non-traditional students. While there isno typical student, the average age is26. There are more women thanmen who attend the East LiverpoolCampus, and 80 percent get someform of financial aid. More than halfare parents and have day jobs.

In 2015, Kent State East Liver-pool provided 75 scholarships tostudents, totalling nearly $100,000.

That same year, Kent State

Morning Journal/Stephen Huba

Caitlyn Seskey, 19, (left) and Emma Fabbro, 21, both of EastLiverpool, take a moment to visit in the Learning Loft of thelibrary at Kent State University East Liverpool. Seskey is anursing student, and Fabbro is an English major.

Submitted photo

James and Coralie Centofanti Hall opened last fall on theKent State Salem campus, providing students access to thelatest technology and equipment in new chemistry andbiology labs, thanks to a generous donation by the Jamesand Coralie Centofanti Foundation.

Submitted photo

The Kent State University Salem Campus sits on 100 acres of woods, a scenic lake, walkingtrails and youth soccer fields.

See SALEM, Page 6B

See ELO, Page 6B

PROGRESS 20162B Sunday, July 3, 2016

Crandall Health Education CenterThe Crandall Health Education

Center will offer the Nursing Assis-tant Program 7 a.m.-3 p.m. begin-ning Monday, July 11 runningthrough July 27 at the training cen-ter located in the Copeland OaksAdministration building on JohnsonRoad.

“The course focuses on theappropriate skills needed to providebedside care to patients in manyhealth care settings,” said DianaSimmons, RN, program coordinator.

She explained that the curriculumincludes a broad range of subjectsincluding infection control, commu-nication and interpersonal skills,safety and emergency procedures,personal care skills, psychosocialneeds, basic restorative services andskills, basic nursing skills, qualityimprovement and more.

Candidates who successfullycomplete the course are eligible totake the Ohio Department of Healthtest to be listed on the registry as a

State Tested Nursing Assistant(STNA). The state test will bescheduled at the Crandall HealthEducation Center in early August.

“Serving a vital role in the healthcare team, nursing assistants helppatients with daily activities includ-ing hygiene, support doctors andnurses in procedures and treatments,assist in patient charting, documentcare given and report significantobservations to the nursing staff.”Simmons added.

“As a nursing assistant you cangive direct patient care in long-termcare and rehabilitation facilities,hospitals, clinics, physician officesand in the home,” reported MariannMannion, RN, Crandall MedicalCenter Director of Nursing. Man-nion went on to say “Nursing assis-tants are a valuable member of thehealth care team. Becoming a bed-side care giver allows someone con-sidering a career in medicine toobserve how many members of the

health care team contribute topatient care. They have the opportu-nity to work with nurses, nurse prac-titioners, physicians, therapists,dietitians, etc., which often helpsthem choose their career path.”

“With the skills you acquire as anursing assistant, you can continueyour education and diversify intoother areas of medicine such aslicensed practical or registered nurs-

EAST LIVERPOOL — Forover 25 years Pipelines, Inc. hasbeen a waterworks supply distribu-tion company located at 16363 St.Clair Ave. The company has 49employees and operates out ofMasury, Ohio; Freeport, Ohio; andin Pittsburgh on Neville Island.

Owners Tag Lewis and MichaelPusateri founded the business inJanuary of 1991, stocking a varietyof water, sewer, sanitary and stormpipe, along with valves, firehydrants, service brass and tap sad-dles as well as other related acces-sories that are included in the inven-tory and continue to change and staycurrent in the industry according to

customers’ needs.Pipelines, Inc. takes pride in pro-

viding competitive product pricingand outstanding customer service,maintaining stock levels that allowssame-day delivery where othersmight not be able to deliver untiltomorrow. The 50-plus years ofindustry experience is utilized toprovide solutions to problems. Proj-ect quotes are complete and con-form to the project specifications.We represent a wide variety of ven-dors and manufacturers that are con-sidered the best in the industry.

To see what Pipelines, Inc. has tooffer call 330-386-3646 or visitwww.pipelinesinc.com .

CF Bank Pipelines, Inc.CFBank has had its roots in the

clay-rich soil of Wellsville, where itwas founded in 1892 as CentralFederal Savings and Loan. CentralFederal Corporation is the holdingcompany for CFBank. Our princi-pal market area for loans anddeposits include the following Ohiocounties: Summit County throughour office in Fairlawn; FranklinCounty through our office in Wor-thington; Cuyahoga Countythrough our office in Woodmereand Columbiana County throughour offices in Calcutta andWellsville.

The executive managementteam consists of CEO/Director

Timothy T. O’Dell and ExecutiveVice President and CFO JohnHelmsdoerfer.

Our bankers get to know youand your businesses, then find prod-ucts and services to fit your needs.Drawing on CFBank’s stability,strength, expertise and dedicationcan improve your company’s per-formance in key areas of commer-cial loans and lines of credit, cashmanagement including ACH andRemote Capture, Merchant Servic-es for credit card processing, WorkPlace Banking with advantages foryour employees and Businessonline Banking and bill pay.

You can also take advantage of

our personal services and invest-ment strategies for your personalbanking and mortgages.

If you have never experiencedconcierge banking services, you’rein for a pleasant surprise.

Call or stop by your local branchtoday to meet our team.

With recent staffing changes weare also pleased to announce thepromotion of La Dawn Whitman toofficer and market manager;Michelle Smith to client servicesupervisor in Calcutta, Amy Dal-rymple to client service supervisorinWellsville.

We’re here to bring youone step closer to yourgoals with every visit.

Physical, Occupational and Speech Therapies

The Therapy Center has the most comprehensive set of programs in the region. The therapists receive specialized training to promote a better quality of life for people with diagnoses such as Autism, Parkinson’s and dizziness. There are also programs to help promote healthy lifestyles for those that have suffered a catastrophic injury and for people as they age.

Promoting long term benefitsLearn about the proper body motions used for performing daily activities that prevent injury, improve socialization skills, and enable patients to overcome physical obstacles. All of these therapies incorporate quality of life as a part of its objective.

Access to better equipment leads to better careUse the same equipment available at the YMCA to perform your therapy by using the swimming pool, weight lifting machines, free weights, treadmills and the walking track.

15655 St. Rt. 170, Calcutta, Ohio330-386-2054

See CRANDALL, Page 6B

Morning Journal/Jo Ann Bobby-Gilbert

A total transformation is under way at the former Ogilvie Department Store in downtownEast Liverpool, which will become a New Castle School of Trades vocational school.

Sunday, July 3, 2016 3BPROGRESS2016

Utica Shale AcademyBy KATIE WHITE

Staff Writer

SALINEVILLE – In only twoshort years the Utica Shale Acade-my has successfully transitionedhigh school students into careers inthe oil and gas industry, and it canonly get better from here.In May, the academy graduated

16 from the Southern Local HighSchool location and three from itssatellite location at the ColumbianaHigh School.Students attend the academy dur-

ing their high school years and canearn certifications in the oil and gasindustry. Once they graduate, theycan choose to continue their educa-tion at a college or university, or gostraight into the field.Begun in 2014, the academy

brought Columbiana on board as asatellite location last year. Theexpansion was successful, and theColumbiana School District recentlyapproved continuing to house theacademy for the 2016-17 schoolyear.Academy Director Eric Sampson

said 70 students were enrolledbetween both locations this year. Ofthose, 45 attended at SouthernLocal.“I think the Columbiana site did

well. We started up the year with aminimal number of students and fin-ished off with 25. Even though weare separate, we are in this thingtogether,” he said.The additional location was

needed in order to draw studentsfrom other areas of the county andeven Ohio.

The academy isn’t consideringanother location just yet, butwhether another site will be addedin the future will depend on theOhio Department of Education,Sampson said.Right now the academy is

focused on increasing the amount ofcertifications offered.There are currently four certifica-

tions. Of those, three are in the oiland gas industry and the fourth is a10-hour Occupational Safety andHealth Administration course.“We are working with our online

curriculum partner to figure outwhat is going to be available. Wealso want to get more hands-on cer-tification, potentially First Aid,CPR, or a heavy equipment opera-tor’s license of some sort,” he said.Students at the academy earn

their certifications through a combi-nation of online and hands-on learn-ing, with site visits to fields in theindustry scheduled on a regularbasis.“With the certifications that we

offer, our students will be ready togo right into the oil and gas indus-try,” Sampson said.Of the students that graduated

this year, about half plan to gostraight into the oil and gas industry,he added.However, students also have oth-

er opportunities, and bringing onFirst Aid, CPR and heavy equip-ment operator’s licensing willexpand those opportunities as well.“They can use those in any type

of industry. They are not justpigeon-holed into the oil and gas,but we like to specialize in the oil

and gas,” Sampson said.He also said that he is optimistic

for the future despite the dip in oiland gas production.“The folks in the industry say

that it is really cyclical in oil andgas. Every 10 years they reach apeak and then they hit a valley.They have said this is one of theworst valleys they have ever seen,but they are anticipating that at theend of the fourth quarter of this yearthings are going to start seeing anuptick,” he said.He added that people shouldn’t

base their opinion of the industry onthe production of wells alone.“The things that people see in the

area are how many wells are drilledand how many wells are running,but there is so much more into itwith pipelines and processing. Theindustry folks are telling me they areoptimistic that by the end of the yearthings are going to be in pretty goodshape,” he said.The academy is currently accept-

ing applications for the 2016-17school year. Those who can applyare students in grades 9 through 12that live in Ohio and are able to getto one of the two Columbiana Coun-ty locations.Sampson said the academy is

exploring the possibility of addingan adult education program in thefuture, for those post-high school toearn oil and gas certifications aswell.More information can be

obtained by calling Sampson at330-679-8162 or visiting www.uti-cashaleschool.com.kwhite@mojonews.com

New Castle Schoolof Trades

By JO ANN BOBBY-GILBERTStaff Writer

EAST LIVERPOOL—Amajorrenovation of two downtown build-ings is well under way, preparingthem for the New Castle School ofTrades’ vocational school.The $7.2 million project was ini-

tiated four years ago under theadministration of former Mayor JimSwoger when city officialsapproached the school about locat-ing here, according to Jim Butter-more, NCST director.He said the cooperation and

excitement of everyone — from theBetter City group, Mayor Swogerand planning Director Bill Cowan tothe East Liverpool Community Part-nership for Revitalization, Rose-mary Mackall of the Lou HoltzUpper Ohio Valley Hall of Fameand new Mayor Ryan Stovall —“made this an easy decision for us.”The ground-breaking was held

this past October, during which But-termore and other NCST officialsspoke of their commitment to thecity and plans to operate within theschool’s five core values: character,connection, communication, consis-tency and competence.Despite the extensive remodeling

needed on both the former Ogilvie’sDepartment Store and Woolworth’sbuildings, the project is currently ontrack, according to Buttermore, who

said the intent is for construction tobe complete by September.The Ogilvie’s building had the

least damage of the two, but stillneeded considerable improvementsto be adapted for the school’s needs,Buttermore said.First up was a new roof and

repair of water damage, followed bynew joists and supports and replac-ing all windows that had to complywith the city’s historic district desig-nation.“It is supposed to look like it did

in the day. The windows are sup-posed to match the appearance ofthe old ones. We had to have themcustom-made,” Buttermore said.The original tin ceilings were re-

done where possible, although notall could be replaced due to theextraordinary cost of reproducingthem.New walls were framed in and

covered with dry wall to divide thebuilding into eight classrooms for

JENNIFER C. KERRAssociated Press

WASHINGTON — The Oba-ma administration is trying to makeit easier for students who have beenmisled or defrauded by their col-leges to have their loans forgiven.The Education Department says

a proposed rule would lay out aclear relief process for borrowerswho believe they were lied to aboutjob prospects after college or other-wise deceived in order to enroll inthe school. It also aims to holdschools accused of fraud or atfinancial risk more accountable byrequiring them to notify prospec-tive and enrolled students, as wellas set aside money that could helpcover future claims against theschool.The proposal follows the col-

lapse last year of Corinthian Col-leges, one of the largest for-profitcollege companies.“A college degree remains one

of the best investments anyone canmake in his or her future,” Educa-tion Secretary John B. King Jr. saidon a call with reporters. “But that’sonly true if it’s a meaningful degreethat helps you land a better job, notif it’s a worthless piece of paperthat’s an artifact of deception ratherthan proof of accomplishment.”Undersecretary Ted Mitchell

said the new regulations, expectedto take effect in July 2017, “wouldreplace a complicated uneven andburdensome standard that varies bystate with a new robust federalstandard that will allow easy use bystudents.”The proposal would streamline

debt relief for groups of students ifthey all experienced the same mis-conduct by a school, such asinstances of wide misrepresentation— meaning they all wouldn’t have

to file individual applications forloan forgiveness. The new provi-sions also would bar colleges fromforbidding students from class-action lawsuits as part of enroll-ment agreements, somethingCorinthian had done.The Debt Collective, a New

York-based group that has lobbiedto have the student loans ofCorinthian students canceled, wascautious in its response.“What the department released

today amounts to little more than aloose statement of intention to doright by student debtors afterdecades of collaboration with cor-rupt for-profits,” spokeswomanLaura Hanna said in a statement.The group is concerned the edu-

cation secretary would have toomuch power in deciding relief togroups of borrowers.A whistleblower raised con-

cerns about Corinthian in early2011, alleging that employees ofthe for-profit chain fabricatedemployers to make it appear asthough unemployed graduates hadsecured good jobs in their careersof study. California’s attorney gen-eral filed a lawsuit in 2013, alleg-ing rampant lies to students aboutjob placement. Corinthian filed forbankruptcy protection last year,closing schools and leaving thou-sands of students with hefty debtand frustrated their efforts to earndegrees.The Education Department con-

tinues to vet thousands of requestsfrom Corinthian students for relieffrom their federal loans. So far, ithas erased the debt for more than8,800 former Corinthian students,totaling more than $132 million.But that’s only a small fraction ofthe estimated $3.6 billion in federalloans given to Corinthian students.

Morning Journal/Jo Ann Bobby-Gilbert

The former Woolworth store on East Fifth Street in East Liv-erpool will need a new roof and floor before it can be usedas part of the New Castle School of Trades’ vocational school.

See NCST, Page 7B

SARAH SKIDMORE SELLAP BusinessWriter

It’s wedding season and asmany couples get ready to say theirvows, they may want to have a talkabout fidelity— financial fidelity.A study by Harris Poll for the

National Endowment for FinancialEducation finds that two in fiveAmericans who have combinedfinances admit to lying to their part-ner or hiding information aboutmoney matters. And it’s on the rise— 42 percent of those surveyedadmitted to financial infidelitycompared to 33 percent just twoyears ago.It could be something as minor

as hiding a recent purchase orsomething more significant, likehiding a bank account. There aresometimes pleasant surprises, suchas money set aside for a gift or trip,but those who study the matter sayit’s typically more devious. Andexperts warn that financial decep-tion, no matter the scale, can causedamage — or even end — a rela-tionship.NEFE found that the most com-

mon offense is that of hiding some-thing: 39 percent have hid a pur-chase, bank account, statement, billor cash from their partner. A small-er percentage committed more seri-ous deception: 16 percent have liedabout the amount of debt they haveor even howmuch they earn.“When you agree to combine

finances in a relationship, you arealso agreeing to a certain degree ofcooperation and transparency inyour money management,” TedBeck, president and CEO of NEFEsaid in a statement. “Yet we’re see-ing the implicit promise of collabo-ration destroyed by financial gameplaying.”It’s easy to conceal the informa-

tion in the digital age — receiptscan be texted and credit card state-ments can be emailed, leaving lessof a paper trail.While that is a component,

NEFE spokesman Paul Goldensays it’s difficult to say exactly whyfinancial infidelity is on the rise.What the organization does knowis that it’s more likely to occur inrelationships where finances arecombined and only one personassumes responsibility for manag-ing the money. Golden said havingboth people involved creates a sys-

tem of “checks and balances.”The issue of deception appears

to run across all the board. About46 percent of men have committedan act of financial deception and 38percent of women. And while ithappens at all ages, the practiceappears more common amongyounger adults, with 61 percent ofthose ages 18 to 34 admitting tothe act.The problems often don’t sur-

face until a major event, like buy-ing a home, car or refinancing,forces it out. Some respondentsdidn’t find out about hidden spend-ing habits till their divorce proceed-

To love, honor and sharea credit card statement

Rule to protect studentsfrom rogue institutions

Recovery tipsFinancial infidelity — lying

about or hiding money — cancause major problems in a rela-tionship. The National Endow-ment for Financial Education hasa few tips on how to deal withthese issues.

Talk with your partnerTalking about money can be

stressful. But approach the situa-tion knowing what you want toget out of the conversation andwith the attitude that you areworking together toward a solu-tion. Try not to be judgmental.When people are put on thedefensive, conversationsbecome strained. Broach thetopic at a time that is good forboth of you.

Get on the same pageDecide how you want to man-

age your money together andhow you plan to share informa-tion going forward. Establishwhat the threshold is for spend-ing autonomously, which willvary greatly by couple.

Rebuild trustIf you or your partner has

come clean about some finan-cial deception it may take timeto rebuild trust. It takes contin-ued transparency, a commit-ment from both sides to stick tothe goals and good communi-cation to help heal.

— The Associated Press

See INFIDELITY, Page 7B

PROGRESS 20164B Sunday, July 3, 2016

Tips for staying safe while traveling overseasSCOTT MAYEROWITZ

APAirlinesWriter

NEW YORK — The ter-rorist attack at Istanbul’smain airport may make manytravelers jittery as they pre-pare for an overseas summergetaway. And who can blamethem, following attacks inParis, at the Brussels airportand elsewhere around theworld?

Travel experts advisevacationers not to lose sleepover the highly-publicizedtragedies and to look at thelarger, statistical picture. Bemore concerned, they say,with more-common vacationhazards, like failing to put onan extra coat of sunscreen toavoid skin cancer.

“My advice is to staycalm and play the odds,” saysGeorge Hobica, founder ofAirfarewatchdog.com. “Theodds of becoming a victim ofterrorism while travelingabroad are less than beinginjured or killed at home, byany number of possible haz-ards: driving a car, smoking,a non-terrorist gunshot orbeing swept away by a torna-do.”

But don’t ignore the threatof terrorism either. Takepractical precautions, such asavoiding large protests orcrowds that might lead toviolence or be a target.

Start by signing up for theState Department’s SmartTraveler Enrollment Pro-gram, which provides regis-tered travelers with informa-tion from the local embassyabout safety conditions in thecountry.

It also helps the embassycontact you in an emergency— whether it’s terrorism or anatural disaster. Learn moreabout the program atstep.state.gov/step

Travel expert Wendy Per-rin offers a number of tips on

her website wendyperrin.comto stay safe overseas.

“Clearly, we’re living in aworld where an attack canhappen anywhere at anytime. The answer is not tostop traveling abroad out of amisperception that your riskis greater overseas than it is athome,” Perrin says. “Theanswer, actually, is to experi-ence more of the world — tomake friends in other coun-tries and to be a responsibleambassador for yours.”

Planning for a safe tripstarts long before departure.For instance, Perrin suggestsbooking hotels that haveCNN, BBC, and Al-Jazeeraand reliable internet so travel-ers can get news in the morn-ings and evenings.

And when arriving at thehotel, grab its business card— the one written in thelocal language — and carryit at all times. If there is anemergency, the card can beshown to non-English speak-

ers, such as taxi drivers, whocan help you get back to thehotel.

Program emergency num-bers such as the police, thehotel and medical facilitiesinto the cellphones of every-one in your party.

Finally, make practicaldecisions such as staying

away from bad neighbor-hoods, especially a night, justlike travelers would in anyU.S. city.

“We’re more scared,”Perrin says, “of risks that arenew and unfamiliar than ofthose we’ve grown acclimat-ed to over time, such as heartdisease or skin cancer.”

Regulators looking tocurb payday lending

KEN SWEETAP BusinessWriter

NEW YORK — Federalregulators proposed a signifi-cant clampdown on paydaylenders and other high interestloans, the first nationwideattempt to address an industrywidely thought of as takingadvantage of the poor anddesperate.

The proposals, if enactedintact, are likely to cause anationwide contraction andrestructuring of the $38 bil-lion payday loan industry.Consumers desperate to bor-row money quickly to coveran unexpected expense mighthave an avenue they onceused now closed, since main-stream banks generally don’tprovide these kinds of low-dollar, short-term loans.

Payday lending is oftenthought of as an exploitive,deceptive industry that trapsdesperate borrowers in cyclesof debt that can last formonths. Roughly half of allstates ban payday lendingoutright or have caps on howmuch payday lenders cancharge in interest, which oftencarry annual rates north of300 percent. Last monthGoogle announced it wouldban ad for payday loans, say-ing the industry creates “mis-leading or harmful products.”

The loans are used widely,partly because many Ameri-cans do not have enough sav-ings to cover an emergency ,as seen in a poll released lastmonth by The AssociatedPress-NORC Center for Pub-lic Affairs Research. Roughly12 million Americans takeout a payday loan each year,according to The Pew Chari-table Trusts, who has doneextensive research on theindustry. The average bor-rower takes out eight loans of

$375 each per year, spending$520 on interest.

John Charette, 47, ofYarmouth, Maine, said thepayday loan outfits can behelpful for people like him,who’s divorced and has badcredit. He used RepubliCashin Portland to get a $250 loanto update the expired registra-tion on his car, knowing apolice citation would be evenmore expensive.

“It’s going to fill in thegap,” Charette said, notingthat he’s unable to get a creditcard. “It’s another avenue forcredit because I simply don’thave it.”

The Consumer FinancialProtection Bureau’s proposedregulations seek to tacklecommon complaints about thepayday lending industry. Theproposal would also be thefirst nationwide regulation ofthe payday lending industry,which had largely been left tothe states to regulate.

The CFPB is proposingthat lenders must conductwhat’s known as a “full-pay-ment test.” Because most pay-day loans are required to bepaid in full when they comedue, usually two weeks to amonth after the money is bor-rowed, the CFPB wantslenders to prove that borrow-ers are able to repay that mon-ey without having to renewthe loan repeatedly. Therewould also be restrictions onthe number of times a bor-rower can renew the loan.

The CFPB would requirethat lenders give additionalwarnings before they attemptto debit a borrower’s bankaccount, and also restrict thenumber of times they canattempt to debit the account.The aim is to lower the fre-

Riding Segway’s hoverboard islike skiing on LA’s streets

RYAN NAKASHIMAAP BusinessWriter

LOS ANGELES — Anew self-balancing electricscooter from Segway growson you. Like a comfortablepair of shoes, it takes youplaces, but on wheels.

Unlike a skateboard thatcan shoot out from under you,Segway’s MiniPro — and allhoverboards for that matter— try to stay under your cen-ter of gravity. That makesthem easier to ride than askateboard, and because of itselectric motor, a lot less work.

In the couple weeks I hadto play with it, I came to viewthe MiniPro less as a danger-ous new toy and more like abicycle. It’s a way to makepublic transit more accessibleif you aren’t near a subwaystation or bus stop.

The catch is you need tonavigate a maze of regula-tions . New York City, forinstance, won’t let you carrythem on subways and buses atall, let alone ride them on theplatform, because of their riskof fires.

Over the past year, hover-boards have become synony-mous with danger. They’vebeen blamed for embarrassingfalls by the likes of KendallJenner and Mike Tyson andfor at least 62 electrical firesin the U.S., as tallied by theConsumer Product SafetyCommission. Amazon, BestBuy and other retailersdumped the products aftervideos of burning hover-boards went viral. Onlyrecently have they reopenedsales in light of new fire-safe-ty tests.

Segway, maker of theeponymous upright scooterbeloved by mall cops and air-port security, is one of thosebrands that passed. Thatmeans it survived a battery of

punishment including beingsubmerged partially in waterand dropped three feet ontoconcrete without bursting intoflames. Orders for the $1,000MiniPro are already beingtaken, with shipments expect-ed to begin next Wednesday.

What wasn’t tested,though, was how safe they areto balance on. On that front,you’re on your own.

For people who haveskateboarded, skied or gonesnowboarding, the MiniPro isa piece of cake. At first it canmake your feet sore as youfind your balance, but for meit took only about a half hourto relax. Friends who tried itwobbled, and some reachedfor my hand. One took aminor spill, but got right backon and was quickly cruising— albeit slowly — throughour office parking lot.

This two-wheeled electricvehicle zooms forward whenyou lean forward and slowsdown or rolls backward whenyou lean back. To turn, youpush a steering stick betweenyour legs left or right. Youcan spin in circles if youwant.

It does take some practice,but not a lot. At first, I could-n’t imagine hitting the top

speed of 10 miles per hour.Sidewalk cracks were terrify-ing.

But before long, movingbecame as easy as thinkingabout it. You keep your feetand knees together andswerve side to side. Just likecarving around moguls on theski slope, you can turn thecorner on sidewalks. Youeven put pressure on the out-side foot in a turn, just likeputting your weight on youroutside ski.

Sidewalk cracks and eventree roots quickly becomeminor obstacles. A little bend-ing of the knees and a mentalhop is all it takes to get overthem smoothly. Going uphilland downhill is a breeze.Even on crowded sidewalks, Ifound I was able to get bywithout rolling over anyone’stoes. You can stay on whilewaiting for traffic lights toturn, without contorting tofind your balance likecyclists.

MiniPro’s range of about14 miles on a single chargewas more than enough for acouple afternoons of roamingaround.

The biggest hurdle is fig-

Associated Press/Julio Cortez

A traveler looks at an information board as officials, far right, stand guardat Newark Liberty International Airport June 29, 2016, in Newark, N.J. Fol-lowing the Istanbul terrorist attack, travel experts say still take that vaca-tion but always be valiant about surroundings. A few key tricks can help tomake the trip safer.

Associated Press/Julio Cortez

A police officer patrols a terminal at Newark Lib-erty International Airport June 29, 2016, inNewark, N.J.

Associated Press/Reed Saxon, File

This May 27, 2016, file photo shows Segway's newself-balancing scooter, the MiniPro, in downtownLos Angeles.

See SEGWAY, Page 7B

See LENDING, Page 6B

RICARDOALONSO-ZALDIVAR andSTEPHEN OHLEMACHER

Associated Press

WASHINGTON — Mil-lions of Social Security bene-ficiaries would get a tinyincrease in monthly paymentsnext year — less than $2.50,about enough to buy a gallonof gas.Meanwhile, Medicare is

expected to go bankrupt soon-er than expected — 12 yearsfrom now. And some benefi-ciaries could face highermonthly premiums next year.The annual report from the

trustees of the government’stwo bedrock retirement pro-grams warned that politicallygridlocked Washington needsto act sooner, rather than later,to shore up finances andavoid upending the lives ofmillions of retirees and theirfamilies.Social Security’s trust

funds are expected to bedepleted in 2034, unchangedfrom the trustees’ projection ayear ago. Medicare’s trustfund for inpatient care will beexhausted in 2028, two yearsearlier than previously pro-jected.If Congress allows either

fund to run dry, millions ofAmericans living on fixedincomes would face steepcuts in benefits.“Lawmakers should

address these financial chal-lenges as soon as possible,”said the trustees’ report. “Tak-ing action sooner rather thanlater will permit considerationof a broader range of solu-tions and provide more timeto phase in changes so that thepublic has adequate time toprepare.”The projected 0.2 percent

increase in Social Securitypayments would come a yearafter beneficiaries received noincrease. By law, increasesare based on a governmentmeasure of inflation, whichhas been low. The official2017 cost-of-living adjust-ment, or COLA, won’t bedetermined until the fall.Advocates complained

that the government’s meas-ure of inflation — the Con-sumer Price Index for UrbanWage Earners and ClericalWorkers — doesn’t ade-quately reflect the prices thatolder Americans pay.“Seniors continue to see

their modest Social Securitybenefits eaten away by grow-ing health care costs,” saidMax Richtman, who headsthe National Committee toProtect Social Security andMedicare.More than 60 million

retirees, disabled workers,spouses and surviving chil-dren receive Social Securitybenefits. The average month-ly payment is about $1,232.After Social Security’s

trust funds are depleted, theprogram would collectenough in payroll taxes to payonly 79 percent of benefits.Medicare’s problem is

more immediate, and morecomplicated, because healthcare costs can change inunpredictable ways.Medicare provides health

insurance for more than 55million people, including sen-iors and disabled people.After its inpatient care trustfund runs dry in 2028,Medicare would only be ableto pay 87 percent of projectedcosts.Medicare’s insolvency

date has moved closer despitea recent stretch of slowgrowth in health care costs,with notable exceptions likeprescription drugs. Expertswho advise the trustees saidthe change of insolvencydates was mainly technical,due in part to lower-than-expected income from payrolltaxes.In more worrisome news,

the trustees said that someMedicare beneficiaries mayface sharply higher “Part B”monthly premiums for outpa-tient care next year. By law,increases in premiums for

most Medicare recipients can-not exceed their increase inSocial Security payments. Soabout 70 percent are “heldharmless.”However, about 30 per-

cent of beneficiaries are notcovered by that safeguard.Those who would feel the

impact include new benefici-aries and people with higherincomes. The trustees projectthat the base monthly premi-um for this group willincrease by about $27, to$149. Upper-income benefi-ciaries would pay consider-ably more.Officials cautioned that

projections for next year’spremiums are highly uncer-tain. The final numbers willbe released this fall.Notably, the report carried

an appendix amounting to adisclaimer about Medicareestimates: “The actual futurecosts for Medicare mayexceed the projections shownin this report, possibly by sub-stantial amounts,” it said.That’s because some hos-

pitals and nursing homes maynot be able to make moneyunder payment rates currentlyset for Medicare. If providersstop taking Medicare patients,Congress could be forced toraise payments.Despite the long-term

financial problems of SocialSecurity, the Obama adminis-tration is calling for increasedbenefits. So are Democraticpresidential candidatesHillary Clinton and BernieSanders.Treasury Secretary Jacob

Lew said benefits can beexpanded even as lawmakersoverhaul finances. The twogoals are “not at all inconsis-tent,” he said.In addition to Lew, the

Social Security and Medicaretrustees are Health andHuman Services SecretarySylvia Burwell, Labor Secre-tary Thomas Perez and actingSocial Security Commission-er Carolyn Colvin. Two pub-lic trustee positions arevacant.

Sunday, July 3, 2016 5BPROGRESS2016

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Cheapskates doing itright when investing

STAN CHOEAP BusinessWriter

NEW YORK — Staycheap.Research keeps piling up

to show that one of the bestpredictors for the success ofa mutual fund is if it has lowfees. Whether the fund spe-cializes in stocks, bonds orother investments, havinglow costs tends to lead tohigher future returns.The latest piece of sup-

port comes from Russ Kin-nel, director of managerresearch at Morningstar. Herecently looked at returns forseveral categories of fundsthrough 2015, from foreign-stock to municipal-bondofferings. He ranked funds ineach category into fivegroups, based on theirexpenses. For each type offund, he found that the low-est-cost group had a higherrate of success than the sec-ond-cheapest, which had ahigher rate of success thanthe third-cheapest, and so on.To see how much your

mutual fund charges in fees,check its expense ratio. Thenumber shows what percent-age of its assets goes eachyear to pay for managersalaries and other costs.Many stock funds have anexpense ratio of 1 percent,but most of the dollarsinvested are in funds thatcharge significantly less thanthat. Kinnel recently talkedabout the importance ofkeeping that number as lowas possible. Answers havebeen edited for length andclarity.

Q: So, when I’m consid-ering a mutual fund, the veryfirst thing I should look at isits expense ratio, right?A: I’m always careful to

point out that it’s not all youneed, but it’s a great place tostart. It’s such a strong pre-dictor of future success. Ourdata show that it works in allkinds of funds and in allkinds of markets.And the longer you hold

an investment, the moreimportant it becomes. Thecompounding effect of get-ting into lower costs is huge.In a single year, that 0.30percentage point differencebetween the expenses ofFund A and Fund B is obvi-ously not going to be a hugedeal for your returns. But theway compounding worksand the way that investing isa very long-term game, itadds up tremendously.

Q: What about peoplewho are comfortable beingin a higher-cost fund becauseit’s done well for them thelast few years?A: I could say they over-

came the fee in the past, sowho cares? But the reasonyou should care is that feesare far more persistent than

outperformance. Perform-ance, especially in the shortterm, is a combination ofluck and skill and fees andother things.We’ve tested it, and you

can take the top performersand pit them against cheapestfunds, and in the next fiveyears, the cheapest fundswill crush the top performersfrom the previous year.We’ve gone so far as to saythat if you put cheap fundswith bad performance versusgreat funds with high costs,the cheap bad performerswill win.

Q: It feels strange forsomething with a lower pricetag to be better than the “pre-mium-priced” one.A: Often, we’re inclined

to think that if you pay morefor something, you get some-thing better. If I pay more fora car, computer or bottle ofwine, I’m generally going toget something better. Notalways, but generally.There are a couple catch-

es with that. One is thatwhen you’re looking at afund’s expense ratio, you’renot looking at the dollars thatthe manager is paid. You’relooking at the percent (of thefund’s assets). Because ofeconomies of scale, it’s oftenthe case that the manager ofthe lower-cost fund is actual-ly getting paid much more,because they’re running an$8 billion fund for 0.70 per-cent versus a $500 millionfund charging 1.0 percent.The manager of the biggerfund is getting paid more. Soit’s kind of comparable to aFord or Toyota versus ifsomeone made a car for youby hand. It would cost 10times more, but would prob-ably be worse.Also, fees are very per-

sistent. All around, havinglow fees improves your mar-gin for error. You don’tknow what the market’sgoing to give you. If youknow the next 10 years willbe the greatest bull marketever, then great, you couldprobably buy a higher-costfund. But it’s probably morelikely that the next 10 yearswill have subpar returns, andyou’re forking over an evenbigger chunk of your return.

Q: Is a takeaway fromthis that we should justinvest in index funds?They’re often the cheapestfunds.A: That can be a take-

away. But not all index fundsare cheap. If you look atETFs, there’s a lot of high-cost garbage out there. Thereare crazy ETFs for crazyniches. I’d turn it the otherway and say: Stay with alow-cost provider, such asVanguard, American Funds,Fidelity, T. Rowe Price,iShares.

Trustees: Tiny rise in Social Security coming

Associated Press/Andrew Harnik

Treasury Secretary Jacob Lew, right, accompanied by, from left, Acting SocialSecurity Commissioner Carolyn Colvin, Centers for Medicare and MedicaidActing Administrator Andy Slavitt, and Labor Secretary Thomas Perez,speaks at a news conference at the Treasury Department in Washington,Wednesday, June 22, 2016, on the annual Social Security and MedicareBoards of Trustees report.

LENDINGContinued from Page 4B

quency of overdraft fees thatare common with people whotake out payday loans.“Too many borrowers

seeking a short-term cash fixare saddled with loans theycannot afford and sink intolong-term debt,” CFPBDirector Richard Cordraysaid in a prepared statement.Cordray compared the sit-

uation to getting into a taxifor a crosstown ride and find-ing oneself stuck on a“ruinously expensive” tripacross the country. He saidthe proposal would aim to“prevent lenders from suc-ceeding by setting up borrow-ers to fail.”

Payday lenders wouldhave to give borrowers atleast three days’ notice beforedebiting their account. Also,if the payday lender attemptsto collect the money for theloan twice unsuccessfully, thelender will have to get writtenauthorization from the bor-rower to attempt to debit theiraccount again.In a study published last

year, the CFPB found thatpayday borrowers werecharged on average $185 inoverdraft fees and bankpenalties caused by paydaylenders attempting to debitthe borrower’s account.Rosa Evans, 57, of Birm-

ingham, said she took out anauto title loan for about$1,000 five years ago andwas working toward repayingit when she lost her job.“I tried to stop them from

getting my car, but once I lostmy job and ... missed liketwo payments, they stoppedcalling and just came and gotmy car,” she said outside ofEasy Money, where signs onthe doors and windowsadvertise payday loans of upto $500 and title loans of upto $25,000. Evans was gladto hear about the proposedregulations and said theywould be a huge help to con-sumers during financial

emergencies.The agency’s plan is like-

ly to face stiff oppositionfrom lobbyists from the pay-day lending industry andauto-title lending industry, aswell as opposition frommembers of Congress.“The CFPB’s proposed

rule presents a staggeringblow to consumers as it willcut off access to credit formillions of Americans whouse small-dollar loans tomanage a budget shortfall orunexpected expense,” saidDennis Shaul, CEO of theCommunity Financial Servic-es Association of America,which is a trade group for the

payday lending industry.According to the trade

group, the new rules wouldeliminate 84 percent of theindustry’s loan volume andwould likely result in paydaylender storefronts closing.Consumer advocates had

mixed reactions to thebureau’s proposal, some say-ing the proposed restrictionsdo not go far enough. NickBourke, director of the small-dollar loans project at thePew Charitable Trusts, saidthat the rule to document aborrower’s ability to pay isgood, but it does not addressthe high interest rates theseproducts often charge.

PROGRESS 20166B Sunday, July 3, 2016

SALEMContinued from Page 1B

ELOContinued from Page 1B

Submitted photo

John J. Purinton Hall is part of the Kent State Uni-versity East Liverpool Campus.

kicked off a campaign to cre-ate 50 new scholarships tocommemorate the 50thanniversary of the East Liver-pool campus.This year, Kent State is

contributing to a city“streetscape” project that willimprove the intersection ofBroadway and East FourthStreet. The project will

include a realigned intersec-tion, safer pedestrian cross-walks, landscaping and reno-vated sidewalks.Construction is set to

begin after the 2016 EastLiverpool High School Alum-ni Association All-ClassReunion.

open seating areas created forstudents lounging, studyingor conferencing.Senior Library Associate

Maegan Richards said com-puters were moved out of theformer multi-media lab intothe open arranged to form ahub. The room used for themulti-media lab was trans-formed into the WillowRoom which can be used topractice presentations. Thelibrary now has a more mod-ern feel, complete with asecure phone and mobiledevice charging station forstudent use.Last fall, the university

unveiled James and CoralieCentofanti Hall, the healthand sciences wing housingstate-of-the-art hands-onchemistry and biology labo-ratories, classrooms, researchlabs and restrooms on thesecond floor and nursing andradiology instruction, a con-ference room, classroomsand a bookstore and seatingarea on the first floor. TheJames and Coralie CentofantiFoundation had donated$700,000 for the completionof the second floor of thewing. Renovations on thefirst floor were completed inDecember 2011.The radiologic technology

program also celebrated its30th anniversary in Septem-ber, starting out with 19 stu-dents in 1985 and graduatingmore than 900 students sinceits inception. The programnow offers a bachelor’sdegree in radiologic andimaging sciences technologywhich includes courseworkin computed tomography,magnetic resonance imaging,diagnostic medical sonogra-phy and radiation therapybesides offering an associatedegree in radiologic technol-ogy.

Students have opportuni-ties to get out in the commu-nity both near and far fromthe Salem campus. Nursingstudents and four members ofthe nursing faculty traveled toSouth Dakota last semesterfor a visit to the Pine RidgeIndian Reservation wherethey interacted with membersof the Oglala Lakota Siouxtribe and spent time in theirhealth care facilities as part ofa cultural diversity program.Some of the more than a

dozen bachelor’s degrees

offered at Kent State Saleminclude applied horticulture,business management, com-munications studies, crimi-nology and justice studies,early childhood education,English, human developmentand family studies, insurancestudies, integrative studies,nursing, psychology, techni-cal and applied studies andradiologic and imaging sci-ences technology.Associate’s degrees can

be earned in accounting tech-nology, arts and sciences,business management tech-nology, computer technolo-gy, criminology and justicestudies, early childhood edu-cation technology, horticul-ture technology, human serv-ices technology, informationtechnology for administrativeprofessionals, radiologictechnology and technicalstudy. Certificate programsare also available.To learn more about the

campus, the offerings andfinancial aid, call the Salemcampus at 330-332-0361 orvisit www.salem.kent.edu.Oprean spoke highly of

the insurance studies pro-gram launched in 2012, not-ing that students come outwith multiple job opportuni-ties in the insurance industry,not just in selling but in otherfacets such as claims adjust-ing or working in companyoffices. She stressed thatthere’s more to insurancethan just selling and prospec-tive students should considerthe program, especially con-sidering the scholarship mon-ey available.She said overall enroll-

ment on the campus issteady. One of the biggestgrowth areas has been theCollege Credit Plus Programwhich allows area students ingrades seven-12 take collegelevel courses while still inschool, sometimes in theirown school with their teach-ers vetted by Kent State or atthe Kent State City Center onNorth Lincoln Avenue inSalem. The university repur-posed the old Salem JuniorHigh School in September2006 into the city center.Some students even takecourses online. There’s nocost, either.“Taking advantage of

these programs is somethingparents may want to look at,”Oprean said. “I wouldencourage parents who arethinking of sending theirchild to college to attend oneof our information nights andlook at the opportunities.”

Students can get a headstart on their college educa-tion, saving them money inthe long run. At this time,there are 169 studentsenrolled in College CreditPlus. The school also offersthe Rural Scholars Programto ready students for collegethrough workshops, summercourses and mentoring andgive parents guidance on get-ting their child to college.The campus will host a newflea market event this year tosupport the program.The campus is home to

47 full-time faculty membersand 40 to 50 part-timeinstructors. Oprean said threeawards will be offered for thefirst time this year to recog-nize a full-time faculty mem-ber, a part-time faculty mem-ber and a staff member dur-ing the annual Kent StateSalem awards banquet inApril.

Morning Journal/Mary Ann Greier

Madison Sabatine, of Sebring, a junior art education major, sits at the newcirculation desk in the newly renovated library at the Salem campus ofKent State University. The project included moving shelving and the circula-tion desk, new carpeting, new paint and new seating areas.

Morning Journal/Mary Ann Greier

Freshman radiology student Lindsey Balmenti ofRogers places her phone in the new phone anddevice charging station inside the Kent StateSalem library.

Submitted photo

The Kent State University East Liverpool Campus’Mary Patterson Building.

ing. Many of our nursesbegan their careers as nursingassistants and have remainedon the Crandall clinical staffafter obtaining their LPN andRN licenses,” observedGaynette Hawkins, Crandallassistant nursing director incharge of staffing.“Job security, a competi-

tive wage and having a flexi-ble schedule are benefits of acareer as a nursing assistant.This entry level program is awonderful opportunity for‘empty nesters,’ recent highschool graduates or anyonelooking to change positions orstart a new career,” comment-ed Jason Cicchillo, Crandalladministrator. He reportedthat being a nurse assistant isone of the fastest growingoccupations through the year2020 with a growth rateexpected at about 31percent.“But, being a nursing assis-tant is much more than a joboffering a pay check, it is acareer that offers personal sat-isfaction, growth and gratifi-cation,” Cicchillo added.

Deadline for regis-tration is Wednesday, July 6.The fee for the course is $100and includes the book. Appli-cations are available at theCopeland Oaks ReceptionDesk. More information canbe obtained by calling theCrandall Staff EducationDepartment at 330-938-6126 or by email at: educo-ord@copelandoaksinc.com.

CRANDALLContinued from Page 2B

NCSTContinued from Page 3B

SEGWAYContinued from Page 4B

INFIDELITYContinued from Page 3B

Sunday, July 3, 2016 7BPROGRESS 2016This willbe thereceptionarea andadministra-tive officesin the voca-tional schoollocated inthe formerOgilvie’sDepartmentStore indowntownEast Liver-pool.

electrical/industrial mainte-nance and commercial truckdriving courses, with plans toadd a course in heating andair conditioning within thefirst year.A reception area and

administrative offices roundout the bottom floor of theOgilvie’s building, whichalso has a large upstairs spacewhich has not yet been ear-marked for any use as yet.The Woolworth’s build-

ing had extensive damageand was filled with debristhat had to first be removed,Buttermore said.“It was really bad. The

roof had basically fallen in,”he said. “There is quite a bitof work to be done there, butit’s going good.”The first floor of the

Woolworth’s building will bedesigned for the welding pro-gram, with the second floordesigned as a communityroom for meetings, both forschool and public use.The brick facade will be

maintained, with Buttermorepointing out, “The frontarchitecture is beautiful, butthe building will get a wholenew roof and floor.”In addition to the class-

room space in the two build-ings, the NCST projectincludes a truck driving rangeon about two acres behindWestgate School where stu-dents in the commercial driv-ing program will be able topractice parking and maneu-vering tractor-trailers.The driving course will be

constructed on the site of anexisting basketball courtwhich is to be relocated toanother spot in the city.Buttermore emphasized

the course will be used dur-ing the daytime, meaning thearea will be freed up for park-ing when needed for events

at Patterson Field.General contractor for the

project is Stitle Constructionof Salem, with Sayre Electricof East Liverpool, TolsonHeating of Salem, EllysonPlumbing of Salem andExtreme Demo of East Liver-pool also contracted for theproject.“It was the intent to keep

the work in ColumbianaCounty as much as we can. Iknew Stitle is good, and theyhave proven it so far. He hasdone a tremendous job,” But-termore said, also creditingSayre Electric for “getting alot done” on the electricalwork.He credited Stitle for the

project being on track as it is.Plans call for up to 250

students, both recent gradu-ates and non-traditional, toenroll within two years of theschool’s opening late thisyear or early in 2017.“We could do more, but

we think that’s a realisticnumber,” Buttermore said.Classes will be offered

during the day and evening.“We’re looking forward

to finishing it and beingthere. It’s going to be a reallyneat project. We’re excited,”Buttermore said.jgilbert@mojonews.com

ings and or after the death oftheir partner.The NEFE found that

most of the time the deceptionundermines the relationship— causing arguments, mis-trust and even divorce.Although a small percentageof respondents said it broughtthem closer because it forcedthem to face their financialissues together.Money is a common topic

for arguments in relation-ships, notes Sonya Britt, anassociate professor of person-al financial planning atKansas State University whospecializes in financial thera-py, which she suggests for allsoon-to-be wed couples. Herresearch has found that argu-ing about money is one of thetop predictors for divorce.“We are socialized to not

talk about money,” Britt said.“When (couples) are dating,they are not having the con-versations they need to aboutmoney. So when they aresharing a household they arefacing it more intensely.”As with many things in

relationships, communicationis key.Whether a couple is just

getting started or is trying torecover from a financial infi-delity, the recommendedsteps are similar: Start with anopen conversation, get on thesame page and follow up reg-ularly.That’s not to say that cou-

ples need to report every dimethey spend. NEFE says eachcouple needs to find a budget-ing and money-managementsystem that works for them.And the threshold for whatcan be spent without checkingin with the other varies witheach couple.There is some good news

for recent newlyweds.Research by credit reportingbureau Experian found thatcouples who have gotten mar-ried after the recession aremore apt to talk aboutfinances early on. But SandraBernardo, manager of con-sumer education at Experian,says they still aren’t talking tothe extent they should.“(Money is) a major

dynamic in a marriage andyou need to think about yourgoals,” she said. “And sooneror later you need to talk aboutit and address it, and it’s bet-ter to do that sooner.”

uring out where you can ride .In Los Angeles, for example,state law requires you to be atleast 16 years old, and youaren’t allowed to ride insidebuildings on the University ofSouthern California campus.Outdoors, though, no oneseemed to mind. One campussecurity guard smiled andsaid “hi.” I had no troubleelsewhere in downtown LosAngeles, as long as I was out-doors. Regulations aside, Ifound that security guards

treat them much like skate-

boards.

But there’s still uncertain-

ty, and it’s a $1,000 gamble

on whether you can use it for

your commute.

There is one thing you can

bank on. These things are

head-turners. Riding one is

like you’ve beamed to Earth

from the future. People will

smile at you and stare. That’s

half the fun.

Morning Journal/Jo Ann Bobby-Gilbert

Workers install one of the historically-correctwindows in the former Ogilvie’s DepartmentStore building in East Liverpool, which is beingtransformed into the New Castle School ofTrades vocational school.

DAVID BAUDERAP TelevisionWriter

NEWYORK—The typ-ical American adult is usingmedia for a full hour a daymore than just last year, withsmartphones accounting formost of the increase.People spent an average

of 10 hours, 39 minutes eachday with smartphones,tablets, TV, radio, computersand video games during thefirst three months of 2016,according to a Nielsen com-pany study released thisweek. It was nine hours, 39minutes during the sameperiod in 2015.Even these numbers are

probably underestimated,since while Nielsen measuresthe amount of time spentonline on smartphones, itdoesn’t count texting, takingselfies or talking on thephone.Most Americans can

sense the increase anecdotal-ly given the ubiquity ofsmartphones. People stare atscreens while waiting in linefor fast food, riding in eleva-tors or walking down thestreet. Retail outlets postsigns pleading that phones beturned off. People checkmessages in bed beforefalling asleep, and reach forthe devices upon waking up.As she waits for her 5:45

a.m. spin class to begin, Cas-sandra Girao of Ossining,New York, sits on a bikescrolling through her email,listening to music or solvinga puzzle.“I feel like I would be lost

without it,” Girao said. “Mywhole life is on it.”Even so, Girao said she

feels better when she givesthe phone a rest. She some-times hides tablets from her4-year-old son to give himdevice-free days, and saidhe’s better behaved as a

result.An estimated 81 percent

of American adults use asmartphone regularly, withthe number of users growingby more than 20 million inthe past year, said GlennEnoch, senior vice presidentof audience insights forNielsen.Of the additional hour in

media time that Nielsen hasmeasured this year, smart-phone usage accounts for 37minutes and tablets 12 min-utes. Online smartphone useaverages an hour and 39minutes a day — more thandouble what it was two yearsago, Nielsen said.Liana Sayer, director of

the Time Use Laboratory atthe University of Maryland,notices restaurant patronswho sit at tables staring attheir phones and ignoringtheir companions. Theymight as well be eatingalone.“Young people text a lot,

but they’re not doing it at theexpense of face-to-face con-tact,” she said. “What I seethat is more concerning isfamily members focusing ontheir phones and not sittingaround the dinner tableenjoying conversations.”

Smartphone usage hasgrown so quickly that therehasn’t been much researchinto what kind an impact it ishaving on people’s lives,Sayer said.People spending more

time on phones and tabletshasn’t caused a correspon-ding drop in the use of othermedia, an indication thatthere’s a lot of multi-taskinggoing on. People are spend-ing 3 minutes less watchinglive television than they did ayear ago, but they still spend4¢ hours a day in front ofthe TV, Nielsen said.One ominous sign for tel-

evision executives is thatpeople aged 18 to 34 spendmore of their time each dayonline than they do watchinglive television, by a marginof 39 percent of their mediatime to 29 percent. Peopleover 50 prefer TV by 53 to21 percent, Nielsen said.Nielsen noticed another

media milestone this year:For the first time, as manyAmerican homes subscribeto video services like Netflixor Hulu as there are homeswith digital video recorders.Nearly 30 percent of homeshave both DVRs and astreaming service.

Media use in America up afull hour over just last year

JOSEPH PISANIAP BusinessWriter

NEW YORK — Severalwebsites are trying to makedeath easier — for the peopleleft behind.Everplans, Everest Funer-

al, My Life & Wishes andother companies are helpingwith end-of-life planning.Users can upload digitalcopies of their wills, plan theirfuneral or name the personwho will take care of the dogwhen they die. Access to theinformation can be given to aspouse, child or anyone elseyou’d like. The idea is toreduce the arguments overfuneral plans or the franticsearch for documents that canhappen after a death. Some ofthe sites charge fees, but oth-ers are free or offer a freeservice through financialplanners or employee bene-fits.Financial advisers say

everyone should write downimportant financial informa-tion and funeral wishes in asafe place, whether it’s on awebsite or in a notebook.Heirs risk losing out on mon-ey if they’re in the dark aboutaccounts or insurance poli-cies, says Len Hayduchok,president of Dedicated SeniorAdvisors in Hamilton, NewJersey.But getting people to think

about their demise is a chal-lenge.“People just don’t want to

do it,” says Hayduchok. “It’ssomething that is easy to putoff.”The sites are trying to

make the process more invit-ing.Everplans guides users

through everything they needto do, such as uploadinginformation about life insur-ance policies or pensions.There’s also room to leaveletters to loved ones and a

place to put passwords foremails and instructions onwhat to do with Facebookaccounts and other socialmedia sites.The site charges $75 a

year for the service. But about150 financial firms and advis-ers around the country offerEverplans to their clients,sometimes for free, says co-founder and co-CEO AbbySchneiderman. Someemployers are also starting tooffer Everplans to workers asa benefit, she says.Another service, called

Everest, is offered as a freeperk with employee benefits.On Everest’s site, users canwrite out their funeral wishesor upload photos, their will orother documents. The compa-ny also offers concierge serv-ice that helps those left behindto plan funeral and deals withall the details. If your employ-er offers group life insurancefrom Aetna, Hartford orVoya, ask your humanresources office if it comeswith Everest. It likely does;more than 25 million peoplehave access to Everest, saysCEOMark Duffey.My Life &Wishes , which

was launched this year, helpsput together end-of-life plans

online for $79 a year.Michelle and Jonathan Brad-dock came up with the ideaafter Michelle’s father passedaway and left the couplescrambling to piece togetherhis financial life. My Life &Wishes was first published asa workbook that the couplehanded out to clients of theinsurance company theyowned. But they quickly start-ed working on a website, real-izing that updated passwordsand new accounts needed tobe added to the book.“Things change so fre-

quently,” says Jonathan Brad-dock.Fidelity, which manages

retirement and brokerageaccounts, recently launched afree service called FidSafethat lets users upload pass-ports, wills and other docu-ments. Users can give accessto documents to next of kin,and you don’t need to be aFidelity customer to use it.FidSafe was launched after

most Fidelity customers sur-veyed said that they had nevertalked about end-of-life plan-ning with their families, saysDaniel Brownell, CEO ofFidelity’s document storagemanagement subsidiary XtracSolutions.

Click here when I die: Siteslay out plans for loved ones

Associated Press/Matt Rourke, File

In this July 11, 2014, file photo, a pedestrianviews his smartphone as he crosses South BroadStreet in Philadelphia.

My Life &Wishes via Associated Press

This screen grab image provided by My Life &Wishes shows a page on the My Life & Wisheswebsite featuring Jon and Michelle Braddock andtheir testimony on why they created the site.

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