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Donation made
A supply of aprons was donated to St. Vincent de Paul
Kitchen by the Back Mountain Kiwanis Club at a recent
breakfast meeting at Irem Country Club, Dallas. Shown in
the photo are, from left, Dick Alters, Chairman, Major
Emphasis Program; Sister Lucille Brislin, R.S.M. Coordinator
of the Kitchen; and Stuart Oakley, President.
DelLeo honored
Judy Deleo was named Employee of the Month for May at
The Meadows Nursing Center, Dallas. Born in Kingston,
Mrs. Deleo graduated from Lake-Lehman High School. She
joined The Meadows in September, 1983, as a cook in the
dietary department, and since September, 1984, is head
cook. She resides in Loyalville with her husband, Joseph,
and daughter, Nicole. Mrs. Deleo, above right, received a
cash award for her award winning idea from her supervisor,
Lori Frey, Dietary Manager, above left.
With increasing frequency, older
homeowners living on fixed incomes
are experiencing difficulty in
financing their retirement years.
In most cases, neighbors can’t see
their plight. They live in nice homes
and to all outward appearances are
managing well. But in reality many
are depriving themselves of necessi-
ties...adequate medical care, diet,
heating, etc.
Moreover, many of these older
homeowners live in daily fear of
losing their greatest source of
security, their home, because of
higher property taxes.
Take the case of Mr. H. At age 78
he was a fairly typical retired
homeowner. His home was one of
many like it in a quiet suburban
neighborhood and his equity in it
was substantial.
Still, living on a fixed income
consisting of Social Security and a
modest pension, he had little left
over after paying $2,000 in real
estate taxes every year and meeting
the $1,400 winter heating bills.
In reality, Mr. H. was house rich
but cash poor. Like many of his
retired friends and neighbors, he
was considering selling his home of
25 years, worth $73,000, to produce
more retirement income.
But now Mr. H. is better off, even
able to afford a trip to see his sister
in Florida, to have minor repairs
done to his home. He is even putting
a few dollars into the bank each
Free fingerprinting
month for occasional large expendi-
tures he may wish to make.
Mr. H. has achieved his financial
turnaround by utilizing a long term
reverse mortgage called the Indi-
vidual Retirement Mortgage
Account (IRMA). This long-term
reverse mortgage is a financial
instrument which allows older
homeowners to receive monthly tax-
free income for as long as they live
in their homes.
Offered by American Homestead
Mortgage Corporation, a mortgage
bank, the IRMA program is availa-
ble in Connecticut, Maryland, Mas-
sachusetts, New Jersey and Penn-
sylvania and will be available in
Ohio in the first quarter of 1986. The
program enables homeowners 62
and over to retain title to their
homes, yet enjoy the whopping nest
egg of equity, actually savings,
accrued over years of ownership.
In essence, homeowners borrow a
monthly amount, up to $700, against
equity in their homes. They con-
tinue to receive this monthly
advance until they sell the home or
die.
In addition to the monthly cash
advance, a lump sum is also availa-
ble to pay, for example, back taxes,
medical bills .
(A free brochure explaining how
reverse mortgages work, is availa-
ble by writing: Consumer Affairs
Department, American Homestead,
Executive Offices, 305 Fellowship
Road, Mt. Laurel, NJ 08054, or. by
calling toll free 1-800-233-4762.)
x»
34
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Most homeowners are unaware
that regardless of their income
there are Federal, state and local
programs that will help them repair
and remodel their homes.
Government at all levels recog-
nizes that neighborhoods are the
basis of life in our country. When a
neighborhood deteriorates, many
things happen both physically and
socially. When the homes look
shabby, a neighborhood seems more
attractive to crime and criminals.
An area in decline is like a spread-
ing cancer. As homes become
shabby looking and in need of main-
tenance, the residents lose their
desire to keep up the neighborhood.
Streets become receptacles for
trash, schools lower their standards
and very quickly the selling price of
homes in the area drops sharply.
This accelerates the cycle of degen-
eration.
In order to keep and maintain the
nation’s housing and neighborhoods,
government at all levels have pro-
grams to give homeowners money
(that does nto have to be repaid) for
repairs or to lend them money at
below market levels or at no inter-
est. In many areas utility compa-
nies will either do energy conserva-
tion work free or at low cost and in
other places will land homeowners
money at no interest to pay the
contractor of their choice for the
necessary work. In addition there
to low-income people, slum areas or
urban neighborhoods. Owners of
single or multi-family dwellings are
eligible. Most of the loans offer long
terms and low payments.
Some programs have no income
ceiling and others allow income of
as much as $50,000 per year. There
are even programs for which ten-
ants are eligible and many allow
loans to poor credit risks. In many
areas, people with disabilities can
receive grants to pay for needed
repairs such as access ramps and
widening of doorways.
Some of the other home improve-
ments covered under these pro-
grams are: Attick and wall insula-
tion; new windows; outerwall
siding; security doors and locks;
window guards; sidewalks and
masonry work; bathrooms and
kitchens; electrical and plumbing;
new roofs, gutters or downspouts.
Consumer Education Research
Center, a national non-profit con-
sumer group, has compiled a book
listing loan and grant programs
offered by all levels of government
as well as utility companies and
others. The book Consumers Guide
to Government Housing Grants and
Loans is available for $7 from
CERC, 439 Clark Street, South
Orange, N.J. 07079.
Since it is important that the work
be done properly, the book includes
a section that gives a rough esti-
Wilkes-Barre General Hospital's Obstetrics and Pediatrics
Departments are offering free fingerprinting for siblings of
infants born at General and for hospital pediatric patients.
Staff obstetrics and pediatrics nurses perform the finger-
printing upon request and immediately provide parents with
the fingerprints. The nurses were instructed in the procedure
by members of the Luzerne County Sheriff's Department.
Shown fingerprinting five-year-old Christopher Stanco of
Thornhurst and his four-year-old sister, Danielle, is Obste-
trics Assistant Head Nurse Karen Connors, of Harveys Lake.
Mrs. Lynn Stanco and her husband, Jerome, holding
newborn son, Shawn, look on.
Serve at kitchen
Several members of the Back Mountain Kiwanis Club helped
serve at the St. Vincent dePaul Soup Kitchen, Wilkes-Barre,
after a recent Saturday morning breakfast meeting at Irem
Country Club, Dallas. Shown in the photo with the regular
kitchen staff are, left to right, Dick Alters, Stet Swan and
John Tasco.
Open house held
In recognition of Pennsylvania Nurse Week, the Nursing
Department at Luzerne County Community College held an
open house of is nursing classroom and office facilities. The
open house was open to the public and gave prospective
students the opportunity to see the facilities and talk with
faculty members about the college’s associate degree
nursing program. A blood pressure screening program was
also conducted. Coordinating the open house at LCCC were
nursing faculty members, from left, Cora Porter, Shaver-
town, associate professor; Janet Trinkwalder, Wilkes-Barre,
adjunct faculty member; and Doris Andes, Wilkes-Barre
Township, associate professor.
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