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WE ARE AT WAR Communities Everywhere Invaded By Drug Epidemic INSIDE Cover Story Page 23 Wendy Bell | Kelli Brisbane | Jim Silvis

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Dress Code: Men – Tuxedo or Dark Suit/Tie Women: Formal Gown or Cocktail Dress Saturday, October 14th, 2017 6:30 p.m. – 11:00 p.m. GalaGreensburg Country Club, 309 Pleasant Valley Rd, Jeannette, PA 15644

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Canine Partners for Life (CPL) based in CPL places service dogs with individuals their changing life needs and their changing Cochranville, PA was founded in 1989 by who have various physical, neurological, disability needs. CPL believes follow-up and Darlene Sullivan, a former special education and cognitive disabilities. These disabilities support is what makes their teams strong instructor and animal trainer. Her dream, cause mobility impairments and balance and ensures the wellbeing of the graduate, now CPL’s mission, was to increase the disorders, difficulty using hands and/or service or companion dog, and the safety of independence and quality of life of indi- arms, and health related fatigue issues. CPL the public. To learn more about the many viduals with physical, developmental, and graduates also face challenges with sei- ways CPL uses canine partners to change cognitive disabilities or who are in other zures, cardiac syncope, and Type 1 diabetes. lives, visit k94life.org. situations of need. CPL achieves this mis- Dogs trained by CPL assist their partners by sion by providing and sustaining profession- performing tasks, improving mobility, and We are also very pleased to announce ally trained service and companion dogs. increasing socialization. In addition, medi- that GOAL Magazine is sponsoring a black In addition to the traditional service dog cal alert dogs can warn their partners to tie gala on Saturday, October 14, 2017 at partner, CPL places seizure, cardiac, and dia- oncoming seizures, sudden cardiac events, Greensburg Country Club. The proceeds of betes alert dogs, as well as home, residen- and rapid drops in blood sugar levels. the event will benefit our continued work tial, and courthouse companion dogs. Since within the community. Join us for a spec- its inception, CPL has placed more than 650 CPL is well respected for having one of the tacular evening for such a worthy cause. service and companion dogs nationwide to strongest follow-up programs in the indus- Please visit www.go2goalus.com for more assist individuals with disabilities. Every day try. CPL teams are required to submit bi- information. CPL dogs make independence and a bet- annual reports and be recertified every one ter quality of life possible for their human to two years. In addition, CPL staff is always partners. available to assist their graduates through

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Mental Health in America - by Tim Murphy INSIDE The Simpson Voting House How To Get Involved Invest in Our Greatest Asset, Our Children Subscriptions- by Judge available Anthony at Bompiani GO2GOALUS.COM Senate Passes Murphy's Mental Health Reforms - by Congressman Tim Murphy INDIVIDUAL COMMITMENT TO A GROUP EFFORT | FALL 2016 Gray Goes from Gloomy to Glam INSIDE | Autumn Stankay - by Scott Ludwick Dr. Michel Maiers Wendy Bell | GOAL-Mag-VOL2-singlepg.indd 1 Subscriptions Available At: 10/27/16 9:29 AM Westmoreland Chiropractic GO2GOALUS.COM and Why? & Rehab Associates INDIVIDUAL COMMITMENT TO A GROUP EFFORT | Summer 2017 INDIVIDUAL COMMITMENT TO A GROUP EFFORT | WINTER 2017

GOAL Magazine arrived on the scene in the With each contributor distributing and promot- summer of 2016 and has quickly become ing the magazine in their own ways, everyone known as a must-read publication for those benefits from cross-promotion and the shared GOAL Magazine now offers a fundraising looking to be enlightened by local profession- expenses of doing so. campaign that boasts great benefits for als. GOAL Magazine’s progress over the last both the seller and subscriber! year has exceeded original expectations and The following roles have been created to inspire This is not your average fundraiser: has already surpassed 5,000 subscriptions in its different levels of involvement within GOAL supporting this fundraiser will not ruin inaugural year. Magazine: any diets or require anyone to use up freezer or storage space. Additionally, The magazine was created as a way of bringing Contributors are contracted to provide editorial the fundraising organization is not local professionals and leaders within the com- content aimed at assisting with our mission of responsible for separating, organizing munity together to collaboratively educate and educating and enlightening readers. or delivering items; they only need interest readers with thought-provoking and to collect the subscriptions and the intriguing content. The creators’ hope was to in- Advertisers provide a paid advertisement for magazine gets delivered directly to the spire entrepreneurs and other community lead- their business. subscriber! GOAL Magazine subscription ers to share their knowledge in order to become campaigns are easy for everyone, pass a part of something bigger than they are individ- Sponsors are given a banner at the bottom of on tremendous financial benefits to ually, thus creating a collective and empowering a page that is otherwise not sold to advertisers the fundraising organization, provide wealth of knowledge within each issue. or contributors. Sponsorship banners fund infor- a valuable educational resource to the mational pages related to the magazine or con- subscriber and promote local business Participation in GOAL Magazine can be reward- tributor pages of contracted contributors who do owners and community leaders. This is a ing in many ways. Not only do you gain an not pay a fee due to their field being non-profit win for everyone involved. opportunity to promote your business through or related to public service. sharing your experience and wisdom, but you For more information, please email become a proclaimed member of a collaborative If you want to be considered for a role as a [email protected] group of local leaders, entrepreneurs and profes- GOAL Magazine Contributor, Advertiser or sionals who are committed to bringing value to Sponsor for future issues, please email us at their communities. [email protected].

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Vision To innovatively reveal to readers the power of being diversely informed and doing so with style, class, and authenticity.

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Motto Individual Commitment to a Group Effort was chosen as our motto to reinforce the commitment all the contributors have collectively made to bring this magazine and its purpose to life.

D efinedCORE VALUES: ACE Authenticity Collaboration Enrichment Authenticity is defined as being real or genuine, Collaboration is defined as the willingness Enrichment is defined as the result of being true and accurate and worthy of acceptance to work, one with another; to cooperate and supplied with an abundance of anything desir- and belief while remaining true to one’s own connect in order to achieve a desired result. able; to add significance or value; to make finer personality, spirit, talent, and character. The The value of GOAL Magazine is in the eclectic in quality. GOAL Magazine was created with intention of GOAL Magazine, first and foremost, content provided without compensation by the intention of breathing life into the desire is to be considered a valuable ambassador of some of the most respected and well-known of information and recognition of the value of information you can trust. professionals in their fields, while effectively expertise within their communities. connecting readers to one all-encompassing fountain of local knowledge.

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IN THIS ISSUE MAGAZINE 8 30 The Drug Epidemic Deciding When to Retire: By Wendy Bell When Timing Becomes Critical By SecondHalf Coach Wealth Mangement Team

23 WE ARE AT WAR - Join us in the battle against addiction By William J. Urbanik

2 You're Invited to our GOAL Gala 15 SecondHalf Coach Wealth 32 Steelers Light Up Latrobe in Black Management Team Announcements and Gold by Regan Guzik GLHS 40 9 for 9 The Quecreek Miracle by 3 Canine Partners for Life by Tonya Alumni Jerry Ferraro Guy 16 Fashionable Philanthropy Takes Center Stage at The Palace Theatre 34 MDs Accross the Nation are getting 42 Planning for Succession of a 7 Special Edition: The Promises of by Kelli Brisbane the Big Idea by Reed Nelson of Business Internet by Bryan Kisiel of IDEA Have Gone Unfulfilled For Westmoreland Chiropractic & Kisiel & Associates, PC Too Long by Tim Murphy 18 Invest in Community by Jim Silvis Rehab Associates 44 How much did you say it would 10 Teach Your Children Well by 19 Wedding Photography Tips by 36 5 Ways to Increase Your Cash Flow cost? By Inselmini Construction SecondHalf Coach Wealth Autumn Stankay by R.J. McElhaney & Associates Company Management Team 20 Auto Insurance: What are YOU 47 WE ARE AT WAR...Your Invitation 12 Should You Be Concerned About Buying? By Quatrini & Rafferty 37 The Dreaded Question: What is your to Join us in the Battle Against the Blue Light Effect by credit score? By Arrika Maxwell Addiction Dr. Michel Pawlosky Maiers 22 Hope in a Bag by Renah and Dorine Kozemchak 38 Shop.com...have you heard of it yet? 13 Upcoming Wine Dinners by Dante By Karen Novak Vallozzi 28 Animal Friends Sanctuary by Candy Nelson 39 It's Back to School Time...and that 14 Pennsylvania County goes for everyone by Chad Amond, Commissioners Invited to the White 29 10 Great Apps for Homeowners by President Westmoreland County House by Gina Cerilli Scott Ludwick Chamber

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6 GOAL: A Publication of Go2Goal, LLC | Fall 2017 SPECIAL EDITION The Promises of IDEA Have Gone Unfulfilled For Too Long

America remains the beacon on the hill for nations across the globe, but when it comes to public education, as I often tell Pennsylvania students, we can never accept that being “good enough” is good enough.

In fact, when it comes to meeting the educational needs of students with disabilities, we have fallen far short of an acceptable standard.

In my career as a child psychologist prior to holding elected office, I frequently engaged with parents, teachers and schools to administer extensive diagnostic tests for learning and developmental evaluation, as well as consult with schools on their individualized education programs. I have seen what a difference it makes to take the time to develop a unique education plan for a student, especially for those with disabilities. It’s one of the many reasons for my staunch support of the Individuals with Disabilities Education Act (IDEA), which provides funding for special education and early intervention services for disabled students, as well as for nonprofit organizations to research additional methods of parent-training and education.

Unfortunately, the promises of IDEA have gone unfulfilled for too long. It is up to all of us to remember the forgotten children. We cannot let them down. That’s why I signed on as a proud co-sponsor of H.R. 2902, the IDEA Full funding Act, which would support the Individuals with Disabilities Education Act by committing to “full funding” as originally authorized by the 1994 law (P.L. 94-142), the Education for All Handicapped Children Act. As you know, IDEA guarantees children with disabilities the right to a free and appropriate public education (FAPE), and ensures school districts meet the specific educational needs of these students.

For children with physical, intellectual, and emotional disabilities, intervening early on can make an enormous difference in their lives. The IDEA Full Funding Act fulfills the promises of IDEA and I am hopeful more of my colleagues will join me in this effort. Congress must provide the best we can for the children who need the most. It is my hope and expectation that as we move forward, children with disabilities get the education they need and deserve for a bright, hopeful, future and Congress takes quick action on H.R. 2902.

Additionally, my Helping Families in Mental Health Crisis Act, signed into law last December, establishes a new grant program to educational institutions to develop evidence-based interventions, including culturally and linguistically appropriate services for enhancing the prevention, diagnosis, intervention, and treatment of, and recovery from, mental illness, serious emotional disturbances, and co-occurring illness or disorders. The law also makes the Department of Education part of the Interdepartmental Serious Mental Illness Coordinating Committee so that the needs of children with disabilities in the education system can be heard.

Despite the long road ahead, my optimism about the future of education in the U.S. remains strong. I am proud of the educators throughout Southwestern Pennsylvania and in the 18th Congressional District who focus on academic excellence and embrace personalizing education to accommodate individual needs of students. For example, I met with Boyce Middle School (Upper St. Clair) Principal Dan O’Rourke about his approach to enhance excellence and developing the whole-child. Principal O’Rourke and the Boyce Middle School Faculty strive to create an environment designed to meet the needs of middle school students are developing not only physically, but also intellectually, emotionally, and socially. So much so that Boyce was recently recognized as “School to Watch” by the National Forum to Accelerate Middle-Grades Reform, which is an alliance of more than 60 educators, researchers, and officers of national associations and foundations dedicated to improving schools for young adolescents.

We must always push ourselves to be better and lead others to be their best through our own example and encouragement. Across the nation, schools like Boyce Middle are leading the way to create learning environments that best suit the long-term interests of their students. I look forward to keeping my commitment to students of all circumstances and backgrounds by supporting and furthering efforts to secure a quality education for all of our nation’s students, and ensuring that America remains the “beacon on the hill” for generations to come.

www.go2goalus.com 7 The Drug Epidemic By Wendy Bell, PositivelyWendyBell.com

ever before in my family’s 14 years reached down to the sweet little house silence, watching what was happening on our street have I seen it. Sure, with the wrought iron railing and happy down the street from a window. I was we’ve had tree trimmers and roof- blue door took my breath away. numb. That heart-broken mother. How ers and fire trucks. There’s been an would she ever look at her house the Nambulance here or there responding to a As my boys walked up the driveway lug- same way? How could she ever walk into neighbor’s medical emergency. And some- ging heavy backpacks and arguing over that room where her beautiful daughter’s times when my dog wakes me up well the lunchtime kick ball score, I greeted heart had beaten for the last time and not before the sun I’ll see a police cruiser with them with a make believe smile and re-live this horror, each and every time? its lights off, creeping up our street look- shooed them inside for popsicles to keep How would her tears ever stop? ing for dark shadows with criminal intent. them busy. What was happening across But never in all these years have I seen the street was something they shouldn’t I don’t need to tell you about this problem the coroner. Never once has the tan Chevy see. Or should they? I felt my feet walk- we face as a society. It transcends politics. truck that says Medical Examiner on the ing me into our garage where I stood in Religion. Race. Sex. Age. And certainly zip back door pulled onto Rosewood Street. code. The drug epidemic is killing Until this past May. our people — our neighbors — with alarming frequency. And it’s leaving A dark wave swept across our oak- far too many families on their knees, lined cul-de-sac like a storm rolling asking how on earth any God could in from the sea. There was a stillness. allow such agony. A quiet, like a tornado that sucks the wind out of the sky before it reaches I felt my feet But through their paralyzing pain, down from the clouds and shreds there are men and women and even everything in its path. Even the birds children among us who are turn- seemed to sense something was walking me into ing their grief into an increasingly wrong. A young woman with a smile vocal message. And they’re spread- straight out of heaven shouldn’t die ing their message like that tornado in her mother’s house. An eager, whose funnel reaches down from the authentic, energetic beauty should our garage where clouds, ready to spit hellfire onto the never die at the age of 26. And a distributors and dealers who invade brother shouldn’t be the one to find our families with evil. These heart- his sister’s lifeless body, lying twisted I stood in silence, broken family members and friends on the floor with a needle stuck in start small with honest obituaries her arm. about their loved one’s addiction. watching what They speak up in church groups I was outside on that sunny after- and at council meetings. They join noon, foostering in the garden and together and address decision mak- listening for the loud chattering of was happening ers on Capitol Hill. And they vow to my five sons as they walked their way Never Forget the addicts their love home from school. As I snipped some couldn’t save. dead flowers off my ruby red rose down the street bushes, a slow parade of emergency We all play a role in this. Each of us vehicles made its way down our is touched by addiction. Every fam- street. There were no sirens. There ily. Mine. Yours. So what can we do was no rush. No race against the from a window. to make a difference? To have an clock. The hands of time had been impact? To stop the storm? stopped still, and the sadness that I was numb.

8 GOAL: A Publication of Go2Goal, LLC | Fall 2017 Here’s to each of us doing SOMETHING —

The photo I’m sharing with you here was snapped by Greensburg’s own Savvy Shots Photography at The Palace Theatre June 28th. I hosted a charity fundraiser that evening and this photo shows me and hundreds of others in the audience holding Stand Up For Addiction signs bearing the name of an addict. My beautiful neighbor who died from that heroin overdose in May is written on mine.

I’m trying, at least in a small way, to Here’s to each of us doing SOMETHING — Wendy Bell | Emmy Award Winning News do my part. My new online community, no matter how small or how large. Here’s Anchor | Positive Stories PositivelyWendyBell.com, has pledged to doing SOMETHING to make a difference. positivelywendybell.com to support Sage’s Army in its mission to To having an impact. To stopping this killer. teach awareness, one person at a time. May we put fear of judgment aside and join The stories I tell here, the videos I shoot, the The father behind this fight, Carmen together with a collective voice that says people I interview – I BELIEVE IN. Capozzi, didn’t just lose one child to No More. And may that Chevy truck with the Share your ideas. Be inspired. Get motivated. drugs. He lost TWO. Two sons. I don’t cold metal gurney inside it forever spare

have words for that. I can only hope that your street from its hurtful, heart-breaking by joining him, donating $10 from every house call. May it never pull into your drive- annual membership to my website and way, sucking the air from your lungs and Sponsored by volunteering my time to help spread his leaving your family in tattered ruins. message, I may just help save one person from feeling his heartache. Amen.

www.go2goalus.com 9 Teach Your Children Well: By SecondHalf Coach Wealth Basic Financial Education Management Team

ven before your children can count, When it comes to giving children allow- might buy a generic cereal instead of a they already know something about ances: name brand. money: it's what you have to give • Set parameters. Discuss with your chil- the ice cream man to get a cone, or dren what they may use the money for By explaining that you won't buy them Eput in the slot to ride the rocket ship at and how much should be saved. something every time you go to a store, the grocery store. So, as soon as your chil- you can lead children into thinking care- dren begin to handle money, start teach- • Make allowance day a routine like pay- fully about the purchases they do want ing them how to handle it wisely. day. Give the same amount on the same to make. Then, consider setting aside one day each week. day a month when you will take children Making allowances shopping for themselves. This encourages Giving children allowances is a good • Consider "raises" for children who man- them to save for something they really way to begin teaching them how to save age money well. want rather than buying on impulse. For money and budget for the things they "big-ticket" items, suggest that they might put the items on a birthday or holiday list. want. How much you give them depends Take it to the Bank in part on what you expect them to buy Piggy banks are a great way to start with it and how much you want them to Don't be afraid to let children make mis- teaching children to save money, but save. takes. If a toy breaks soon after it's pur- opening a savings account in a "real" bank chased or doesn't turn out to be as much introduces them to the concepts of earn- fun as seen on TV, eventually children will Some parents expect children to earn ing interest and the power of compound- learn to make good choices even when their allowance by doing household ing. chores, while others attach no strings to you're not there to give them advice. the purse and expect children to pitch in While children might want to spend all simply because they live in the household. their allowance now, encourage them Earning and handling income A compromise might be to give children (especially older children) to divide it up, Older children (especially teenagers) may small allowances coupled with opportuni- allowing them to spend some immediately earn income from part-time jobs after ties to earn extra money by doing chores while insisting they save some toward school or on weekends. Particularly if this that fall outside their normal household things they really want but can't afford money supplements any allowance you responsibilities. right away. Writing down each goal and give them, wages enable children to get a the amount that must be saved each greater taste of financial independence. week toward it will help children learn the difference between Earned income from part-time jobs might short-term and long-term goals. be subject to withholdings for FICA and As an incentive, you might want federal and/or state income taxes. Show to offer to match whatever your children how this takes a bite out children save toward their their paychecks and reduces the amount long-term goals. they have left over for their own use.

Shopping sense Creating a balanced budget Television commercials With greater financial independence and peer pressure con- should come greater fiscal responsibility. stantly tempt children to Older children may have more expenses, spend money. But children and their extra income can be used to need guidance when it cover at least some of those expenses. To comes to making good buy- ensure that they'll have enough to make ing decisions. Teach chil- ends meet, help them prepare a budget. dren how to compare items by price and quality. When To develop a balanced budget, children you're at the grocery store, should first list all their income. Next, for example, explain why you they should list routine expenses such as

10 GOAL: A Publication of Go2Goal, LLC | Fall 2017 pizza with friends, money for movies, and Teenagers should long it takes to pay off a credit card bal- (for older children) gas for the car. (Don't ance if they only make minimum pay- include things you will pay for.) Finally, be ready to focus ments subtract the expenses from the income. If on saving for larger they'll be in the black, you can encourage If putting a credit card in your child's further saving or contributions to their goals (e.g., a new hands is a scary thought, you may want to favorite charity. If the results show that start off with a prepaid spending card. A your children will be in the red, however, computer or a car) prepaid spending card looks like a credit you'll need to come up with a plan to and longer-term goals card but functions more like a prepaid address the shortfall. phone card. The card can be loaded with (e.g., college, an a predetermined amount that you specify, To help children learn about budgeting: and generally may be used anywhere • Devise a system for keep- apartment). credit cards are accepted. ing track of what's spent Purchases are deducted from the card's balance, and you • Categorize expenses as can transfer more money to needs (unavoidable) and the card's balance whenever wants (can be cut) necessary. Although there may be some fees associated with the card, no debt or interest • Suggest ways to increase charges accrue; children can income and/or reduce only spend what's loaded onto expenses the card.

The future is now One thing you might especially Teenagers should be ready like about prepaid spending to focus on saving for larger cards is that they allow chil- goals (e.g., a new computer or dren to gradually get the hang a car) and longer-term goals of using credit responsibly. (e.g., college, an apartment). Because you can access the And while bank accounts may account information online or still be the primary savings over the phone, you can moni- vehicles for them, you might tor the spending habits of your also want to consider intro- unless they can show proof they can repay children. If need be, you can ducing your teenagers to the principles of the debt themselves, or unless an adult then sit down with them and discuss their investing. cosigns the credit card agreement. If you spending behavior and money manage- decide to cosign, keep in mind that you're ment skills. To do this, open investment accounts for taking on legal liability for the debt, and them. (If they're minors, these must be the debt will appear on your credit report. Securities and advisory services offered through SagePoint custodial accounts.) Look for accounts that Financial, Inc. member FINRA/SIPC. Insurance services of- can be opened with low initial contribu- fered through SecondHalf Coach Wealth Management which Also: is not affiliated with SagePoint Financial, Inc. tions at institutions that supply education- • Set limits on the card's use al materials about basic investment terms Broadridge Investor Communication Solutions, Inc. does not and concepts. provide investment, tax, or legal advice. The information • Ask the credit card company for a low presented here is not specific to any individual's personal credit limit (e.g., $300) or a secured circumstances. Helping older children learn about topics To the extent that this material concerns tax matters, it is card to help children learn to manage not intended or written to be used, and cannot be used, by such as risk tolerance, time horizons, mar- credit without getting into serious debt a taxpayer for the purpose of avoiding penalties that may ket volatility, and asset diversification may be imposed by law. Each taxpayer should seek independent predispose them to take charge of their advice from a tax professional based on his or her indi- • Make sure children understand the vidual circumstances. financial future. grace period, fee structure, and how These materials are provided for general information and interest accrues on the unpaid balance educational purposes based upon publicly available infor- Should you give your child credit? mation from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The If older children (especially those about to • Agree on how the bill will be paid go off to college) are responsible, you may information in these materials may change at any time and and what will happen if the bill goes without notice. be thinking about getting them a credit unpaid card. However, credit card companies cannot issue cards to anyone under 21 • Make sure children understand how

www.go2goalus.com 11 Should You Be Concerned About The Blue Light Effect? Excessive blue light exposure is a concern ith all the buzz about Blue Light Technology in the new media lately, you have perhaps for all ages from 2 to 102. wondered if you should be Wconcerned for you and your family. In Artificial sources of blue light include about blue light exposure to safeguard actuality, blue light is everywhere. In electronic devices such as smart phones their long-term vision experience; it is just nature, light from the sun travels through and laptop computers, gaming devices, one way we help to protect your family the atmosphere, and the shorter, high- televisions, and energy-efficient fluores- for years to come. We have dedicated our- energy blue wavelengths collide with the cent bulbs and LED lights. selves to providing high quality products air molecules causing blue light to scatter and series to make sure our patients’ eyes everywhere. This is what makes the sky Because most people have increased their are protected from harmful UV and blue look blue. In its natural form, your body use of electronics, we are gradually being light sources. At our office, we use the uses blue light from the sun to regulate exposed to more sources of artificial blue best Essilor products. Crizal Prevencia, an your natural sleep and wake cycles. light for longer periods of time. It is impor- anti-reflective or no-glare lense option, This is known as your circadian rhythm. tant to be aware of possible vision signals selectively filters the blue light so that Natural blue light also helps to boost that can indicate you or a family member your eyes receive the good light. Essilor alertness, heighten reaction times, elevate is experiencing an issue from increased products are embedded with the Smart mood and increase feelings of wellbeing. artificial blue light exposure. These signals Blue Filter features that help to reduce can include tired eyes, sensitivity to light, exposure. These features can be found in loss of sharp contrast vision, increased select premium lenses, including Varilux difficulty seeing at night or discomfort Digital progressive lenses, Eyezen™ single from glare. Blue light exposure can vision digital lenses, and Transitions. ® also influence overall health: symptoms These premium lenses can be combined can include increased fatigue, difficulty with Crizal Prevencia for the ultimate staying focused, difficulty falling asleep/ protection against harmful light. Call staying asleep, headaches and migraines Youngwood Eye Care at 724-925-2341 to or behavioral issues in children. Excessive schedule your comprehensive vision exam blue light exposure is a concern for all today. ages from 2 to 102. If these symptoms are left unaddressed, reactivity to excessive blue light exposure can not only lead to possible risks for your future visual experience, but also the potential for early onset cataracts, macular degeneration and increased risks of diabetes and obesity.

At Youngwood Eye Care, we make a special effort to ensure our patients are educated Dr. Michel Pawlosky Maiers Optometrist – Youngwood Eye Care

12 GOAL: A Publication of Go2Goal, LLC | Fall 2017

Vallozzi’sGreensburg

Upcoming Wine Dinners

September 19, 2017

October 24, 2017 *Limited to 12 Guests

November 28, 2017

December 28, 2017

January 30, 2018

February 27, 2018 *Limited to 12 Guests

Each of our wine dinners are presented with a menu designed by Executive Chef Josiah Henry and feature wines selected and paired by Dante Vallozzi. Call 724-836-7663 for more information or to reserve your spot!

Pennsylvania County Commissioners Invited to the By Gina Cerilli, Westmoreland County White House Commissioner, Westmoreland County

ounty Commissioners from overdoses daily. America is enduring a There was positive discussion on steps across Pennsylvania were death toll equal to that of 9/11 every to be taken to fight this epidemic. happy to accept an invitation three weeks. Drug overdoses now kill Pharmaceutical companies must become from the White House to more Americans than car crashes and gun partners in the fight to control this prob- attendC a first ever assembly with senior homicides combined according to the lem. The FDA is putting pressure on them White House officials. We discussed a wide White House panel examining the opioid to develop a pain pill alternative with no range of issues. The opioid epidemic was epidemic. Unfortunately, this number addictive tendencies. In the White House's clearly on the minds of the participants, continues to escalate to a point where proposed budget, 45 billion dollars has bringing it to the forefront of issues need- there are now recommendations that a been allocated to fight the war on drugs. ing immediate attention. I was pleased to national emergency should be declared. White House officials recognize that money hear that there are other county commis- Not included in these alarming statistics alone will not solve the problem. sioners who, like me, consider this one of are the heartbreaking effects of this most important tasks to tackle. disease on family members and friends. We must remove the stigma that plagues families and victims of this epidemic. Pennsylvania ranks 6th nationally Hopefully the topics of cures and for overdose deaths. It is clear that deterrents will become as widely Washington officials are aware that discussed in our communities as it we are on the losing side of this war. was at our White House assembly. As many as 142 Americans die from

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14 GOAL: A Publication of Go2Goal, LLC | Fall 2017 models, engage in retirement and financial SecondHalf Coach Wealth Management Team planning, assess risk, and etc. It is an exciting time within our office as we work collabora- tively to seek out every potential way to add value and raise the bar even higher.

Instead of having one person designated to handle marketing or customer service in our office, we now have two individuals WinstonA Churchill n stated, n o u"There n is c nothing m e wrong n ts with change, teamed up in each department. In relationship development, Jessica Urbanik so long that it is in the right direction." and Tawnya Rockwell will be copiloting the revitalization and enhancements of At SecondHalf Coach, we could not agree more! • Light Blue is the color of the sky and sea, your client relationships by way of plan- First and foremost, The SecondHalf Coach, Inc. is and signifies depth and stability. It symbolizes ning both educational and recreational events now SecondHalf Coach Wealth Management. We trust, loyalty, wisdom and beauty and like the in addition to further cementing our firm as decided to make some slight alterations to our sea and sky reminds us of unlimited possibilities a leader within our community. They will be name and logo to better reflect who we are and to make a difference. building our brand in the community, sharing what we do as a firm. Our new name continues the positive vibes we have shared with you over to promote the “coach like” relationship we offer We are also proud to state we have recruited the years by giving back to organizations that and our commitment to a healthy retirement and successfully retained the services of new are dear to our hearts. for all, while also better defining us as a wealth team members that management firm for the public who does not we can only describe As for client experi- yet have a relationship with us. as a team of allstars ence, transformation is to maintain the trust the word most appro- Our logo has been altered slightly, while having we have built with priate for our mission. a bold new icon we remain committed to the clients over the years. All old procedures three boomerang shape concept that since in- are being reviewed ception has represented our core values of Faith, In business, it is easy and enhanced with Empowerment and Respect and our belief that to slip into periods the help of our dual the values you put out to others will ultimately of complacency and service team Bree return to you. status quo regarding Edgerly and Amanda day to day function- Mayger. With two team The new modernized logo expresses the ing. We refuse to do L-R Amanda Mayger, Jessica Urbanik, Tawnya members trained in vibrancy within our office walls and what we what is easy, rather Rockwell and Bree Edgerly customer service and hope to bring to your homes and the community than what is right and administrative processes, symbolic of the boomerang concept and colors will always be commit- there will always be we have chosen. ted to making whatever changes are necessary collaboration with both Bree and Amanda to continuously exceed our objectives for the working together to focus on customer service, The new logo colors also represent certain ideas experience we aim to offer. procedural development and operational that we wanted to associate with our brand: support and have already combined to form a We have invested in new hone system and cli- dynamic pair within our team. • Navy Blue embodies the balance we ent contact management systems that will fur- attempt to achieve in our lives: it is both bold ther enhance how we communicate and serve We are so excited to share these developments and comforting, serious yet elegant. It also of clients. We are engaged in reconstructive with our clients and the public, those of which represents knowledge, confidence and integrity. designs of internal procedures and processes we seek an opportunity to play a role within that will enable us to lead within this new and your life. As always, our firm is committed • Purple combines the stability of blue with exciting innovative era in financial services. to be being the coach at your side; not the the energy of red and is associated with nobility, Our support team will be armed with all the salesperson in your ear. If you would like to power, luxury and ambition and exemplifies tools needed to enhance client experience in all explore an opportunity to work with our firm, creativity and innovation. facets and our wealth management team will please contact our office for a complimentary continue to use the most respected, industry consultation. leading technology to develop investment

Congratulations... to our partner Bill Urbanik in celebrating his 15th year in business. You are an inspiration to everyone at the office and continue to be the driving force in keeping our office modern. Here's to 15 more!! - Tony & Jess

www.go2goalus.com 15 Fashionable Philanthropy Takes Center By Kelli Brisbane, Special Event Coordinator Stage at The Palace Theatre Westmoreland Cultural Trust

WCT is a 501c3 The event begins with an exclusive VIP nonprofit organization Experience at 6 p.m. in Megan’s Suite and the whose mission is to tented S&T Bank Courtyard at The Palace. stimulate economic and VIP attendees will enjoy complimentary cultural development in pre-runway hors d’oeuvres courtesy of Jaffre’s Westmoreland County by Restaurant, pre-runway beer and wine, and promoting the performing a first glimpse at some of the fabulous arts and preserving and local pop-up shops that will be on display enhancing our region’s that evening. At 7 p.m. the action moves assets for the benefit of center stage as returning emcee Wendy our community. To do Bell highlights local Westmoreland County this, The Palace must retailers on the runway. VIP guests will also offset 1.16M per year enjoy priority seating, along with swag bags in operating expenses holding swanky samples and beauty products estmoreland Cultural associated with keeping a from community supporters. Seating is Trust’s 13th Annual historic building open. This reserved this year, so Runway Fashion Show is accomplished by managing attendees are encouraged fundraising event turns it the Union Trust Building and to purchase early to ensure W the renovated Stark Building, their preferred seats. up a notch when the ‘FashionFusion’ runway show moves onto the time-honored Palace along with managing the Following the Runway Theatre stage Wednesday, October 18, 2017. Greensburg Garden & Civic Show, all guests are Center. In addition to tenant invited to the After-Party to The backdrop for the evening, the historic rent, WCT relies heavily on enjoy complimentary hors Palace Theatre, dates to the era of the roar- individual and business mem- d’oeuvres, dessert stations, ing 20s, known then as the family-owned berships, gifts and grants, and cash bar, and an incredible Manos Theatre. Through the decades it has four major fundraising events array of pop-up shops for been witness to a variety of fashions, from including the Annual Runway early holiday shopping. flapper dresses and cloche hats to today’s Fashion Show to assist in skinny jeans and rompers. Hats have been keeping The Palace doors New to the runway this replaced by messy buns and a more casual open for generations to enjoy. year is D/SW Fashions style. Built at the then-extravagant sum of on Lincoln Ave., LuLaRoe $750,000 in 1926, the Manos was consid- So how does fashion relate to (Greensburg), Locally ered the area’s finest theatre, and attending philanthropy? By purchasing Raised Little Ones the theatre was THE entertainment pastime. a ticket to the Trust’s Annual (Greensburg), Millers’ Prom Much like fashion, there are many fads that Fashion Show, guests not only enjoy being and Formal Wear (Greensburg), Roxberry come and go, but fortunately the theatre a part of something bigger, but they will Boutique (Greensburg), Spa 309 Salon & remains a constant in Westmoreland County, also have an evening filled with shopping, Boutique (Greensburg), The Black Bunny entertaining audiences for 91 years. pampering, and the latest trends. Boutique (Ligonier), Tocara (Trafford), Wight Elephant Boutique (North Huntington) and In the late 80s / early 90s, there Sears and Maurices. was talk of shutting down The Palace Theatre and turning it into Returning to the runway is Crossroads a parking lot, and rumored a Chuck Boutique & Cattiva (Greensburg), Katwalk E. Cheese. Luckily, a group of Clothing & Gifts (Murrysville), Lapels, A concerned citizens rallied together Fine Men’s Clothier (Greensburg), Pure to raise the necessary funds to Barre (Murrysville), and Wigs 'n More Inc., & save our theatre from the wrecking Mastectomy Boutique (Latrobe). ball. What was formulated as The Westmoreland Trust is now named Pop-up shops and vendors to date include: Westmoreland Cultural Trust (WCT). Artisans of Hands and Heart; Cathy’s Sip and Sparkle with Tocara; Crossroads Boutique &

16 GOAL: A Publication of Go2Goal, LLC | Fall 2017 This annual event has grown into one of the largest fashion-focused events in Westmoreland County, proving that philanthropy is fashionable.

Cattiva; DoTerra Essential Oils; D/SW Fashions Tickets on sale now: on Lincoln Avenue; Flawless Darling Boutique; VIP tickets: $85 (on stage seating), $80 (opera Ice & Elegance; Katwalk Clothing & Gifts; Lapels, box), $75 (orchestra seating) A Fine Men’s Clothier; Locally Raised Little Ones; VIP tickets are limited and will not be available Lularoe Jen Zatko; Mel’s FabYOUlips:Senegence at the door. Independent Distributor; Michelle’s Bella Boutique & Day Spa; Miller’s Prom & Formal Runway Show & After Party tickets: $55 in Wear; Nerium Independent Distributor; advance or $60 the day of the event. Penelope’s Gifts & More; Roxberry Boutique; The Black Bunny Boutique; Wight Elephant Event & raffle tickets can be purchased by call- Boutique; Rare Soul ing Westmoreland Cultural Trust at 724.836.1123 x255 or The Palace Theatre Box Office at Attire – you decide what’s beautiful. Can’t 724.836.8000. Event tickets are also available decide? Enter for a chance to win a pre-event online at: www.thepalacetheatre.org makeover by Contempo Artistries and two VIP tickets for you and one guest. Enter by ‘liking’ Lead Sponsors: Westmoreland Cultural Trust on Facebook and posting on the ‘FashionFusion’ event page why you or a friend need a makeover. Use #WCTFashion in your post. Pictures and videos are encouraged. Enter by September 20, and the lucky winner will be announced on the Trust Runway Sponsors: Artisan Plastic Surgery, Facebook page on Wednesday, October 4. Francis R. Johns, M.D.; Avolio Law Group, LLC; Excela Health; Hefren Tillotson, Inc.; Integrity In honor of Breast Cancer Awareness Month, Retirement & Estate Advisors, LLC; McDowell the Trust features five breast cancer survivor Associates/Kattan Ferretti Incurance; Milanscape; models on the runway. Last year was the first Penn State New Kensington; PWA Wealth time incorporating the survivor tribute, and the Management; Silvis Group, Inc.; West Penn Power models received a standing ovation. Swag bags and a unique experience acknowledged their Underwriters to date: Beeghly and Company strength and bravery. To submit someone special Jewelers; Kepple-Graft Funeral Home; Saint in your life, email [email protected]. Vincent College

Chic Fashion Find raffle tickets are also another Media Sponsor: way to support our fundraising efforts: 10 GOAL Magazine chances to win 10 packages totaling $5,000+ in prizes for $20. Winner need not be present at VIP Exclusive Food Vendor: actual event. Jaffre’s Restaurant

This annual event has grown into one of the Photographer: largest fashion-focused events in Westmoreland Savvy Shots Photography County, proving that philanthropy is fashionable. For more information please visit: www.westmorelandculturaltrust.org

www.go2goalus.com 17 Invest in CommunityBy Jim Silvis

The point of this is two-fold. First, despite what we see on the news, we need to continue to find encourage- ment from the willingness of our neighbors to reach out and help. Just as important, regardless of our interests, our talents or our availability, there is almost certainly an opportunity to contribute, and a variety of charities that would love to have the help. Anyone who has o watch the news, you been involved with running a non-profit would think that our understands the importance of having a nation was irretrievably Not a week core of active volunteers, so it's almost stricken with divisiveness certain that any offer of help will be met and conflict. Getting goes by without with great enthusiasm. caughtT up in these stories can be discouraging and lead to focusing on numerous I am sure there are many out there who things that separate us. While traveling would love to contribute, but are not sure around Westmoreland County this year, how to get involved. I used to be one of one thing has continually stood out, and events aimed at them. Certainly the simplest way to get it is in sharp contrast to what is often involved is to know someone already portrayed in the headlines. I continue raising money active in a given charity. Lacking that to be amazed at the number of people personal connection to a charity should who volunteer their time to assist those for a variety of not be used as justification for failure to in need in our community combined get involved. Having served on boards for with the outpouring of public support causes. non-profits and spoken to other people for these causes. who run charities, joining the group is often as easy as making a phone call or Not a week goes by without numerous because they have suffered from similar sending an email. That's all it takes to events aimed at raising money for a difficulties. In addition to the benefi- begin the process for the satisfaction of variety of causes. The beneficiaries of ciaries and motivations varying, so too knowing that you are using your talents to these cover the gamut from animals to do the events themselves. You can start help, and while doing so, getting to know people dealing with medical difficulties nearly any Saturday with a charity 5k many other similarly committed people. and families needing assistance fol- run/walk, followed by an afternoon cash It's a journey that will bring help to those lowing personal tragedies. Some of the bash or golf outing, a spaghetti dinner who need it, personal fulfillment and a wonderful people behind these charities and then finish your day with an oldies substantial benefit to the community. are involved due to friendship with the dance. beneficiaries, while others are involved

18 GOAL: A Publication of Go2Goal, LLC | Fall 2017 bottom of your shoes, the tags from Autumn's Tips to your dress and veil and the price tags from your jewelry. Remember ensure your all items that you will have with you on your day: shoes, jewelry, dress, handkerchief, six pence, purse, gar- ter, rings. Keep these items together wedding and set them aside somewhere in the space where you are getting photography ready so that the photographer can quickly jump into the detail shots and be finished with them before will go smoothly! you start getting dressed. Put in a request to your venue coor- By Autumn Stankay, dinator that your DJ, videographer SkySight Photography and photographers are all served dinner around the same time that the bridal party is served. This allows your vendors to stay on your same timeline and to be finished eating when you get up from the table to begin mingling at your reception. Have an emergency kit on the wedding day. them in a safe place during the reception, A thorough emergency kit should include gather your shoes after you kick them off Ask your bridal party for help and assign the following items: and rescue your cake topper from the cater- specific jobs in advance. For example, place • Tide wipes ers so that you don’t leave anything behind one bridesmaid in charge of your makeup • Sewing kit: 1 full spool of white thread for at the end of the night. touchups: she should carry your lipstick, bride, black thread for groom, and color powder and blotting papers to be sure thread for the bridesmaids’ gowns (Note: Make sure to get a full makeup trial before you're never shiny and that your constantly There is rarely enough thread in a travel the wedding. I highly suggest getting kissed lips always have color. Put your best sewing kit for major issues!) photographed with your trial makeup. man or most organized groomsman in • Safety pins How makeup looks in the mirror and how charge of cell phone duty. Be sure he has • Deodorant it will look on camera are very different. the photographer’s cell number so that if the • Mints, toothbrush and toothpaste The makeup trial photoshoot can help you vendors gets separated by traffic during the • Powder and blotting papers for shiny skin realize that you want to change the level of limo transportation, he can text or call them. • Small and large scissors drama or color in your makeup. Scheduling Giving each person one job allows the bridal • Tweezers your makeup trial prior to your engagement party members to have one responsibility • Band-Aids session would provide for the photoshoot to focus on all day without having to worry • Moleskin for heels/toes of feet opportunity and would give you a double about how to help you. • Baby powder benefit! • Umbrellas!!! Make sure to discuss a plan for bad weather Groom: The photo shoot of the groomsmen with your photographer the week of the Consider a day-of wedding coordinator if getting ready is usually a laid-back affair. wedding. Depending on the season, you you don't already have a wedding planner. Preferably, the guys should be ready to get may just need a covered spot, or possibly an Wedding coordinators can manage all the dressed when the photographer arrives in indoor location. Umbrellas are a must if the day-of small jobs so that family and friends their hotel room. Images of the groom put- weather is calling for precipitation. I highly can enjoy every aspect of the day. They can ting on a tie, watch, cuff links, shoes, and any suggest clear or white umbrellas; black take care of little emergencies, too, so that other special items are all fantastic photos. umbrellas cause an extreme dark shadow hopefully you will never even know they Make sure that these items are set aside out on the top half of your body, and colored happened. Coordinators can keep in touch of their new packaging and ready for the umbrellas cast a colored light onto you with vendors throughout the day, ensure photographer to shoot. dress and faces – we don’t want that! White that no major hiccups occur, be your "runner" or clear umbrellas allow the natural light to to grab things that you need throughout Bride: Make sure your bridal items are ready shine through on your faces. the day, gather your gifts and cards and put to photograph. Remove the stickers off the

www.go2goalus.com 19 AUTO INSURANCE: What Are YOU Buying?

By Jessica L. Rafferty, Esq. of QuatriniRafferty

f you are like most people, you purchased auto insurance years ago, you surrounding auto insurance coverage, specifically what is known as your pay your premiums when the bill is due and you assume you have the "tort" selection. coverage you need. You have never revisited it. Well, nobody (except us – lucky you!) enjoys talking about auto insurance because: (1) most So – get out your auto insurance declarations page and let's do a quick Ipeople find it quite boring; (2) it is complicated and difficult to understand; review of your coverage! Your auto insurance declarations page is mailed or and (3) we all hope that we will never need to use it. emailed to you when you renew your policy and it lists the coverage you have and the premiums you pay for that coverage. Here at QuatriniRafferty, we help people every day who unfortunately need to use their auto insurance. But regrettably, many people realize too late that their auto insurance does not provide them with the coverage they need. Fasten your seatbelts – you're in for an In this issue of GOAL, we hope to correct a common misunderstanding educational and informative ride!

"Full Tort" vs "Limited Tort" The Accident: the scene of the accident by ambulance to Look at your declarations page and find John was stopped at a red light on Route the emergency room and, after undergoing where it says something like, "Full Tort 30 in Greensburg, PA. While John was numerous tests and scans, was diagnosed Applies" or "Limited Tort Applies." This no- stopped, Bill, who was driving behind with a neck sprain and fractured right arm tation is located in different places on your John, became distracted, failed to stop his (which required a cast). It will take several declarations page depending on which vehicle and rear-ended John. Bill is clearly weeks, many sessions of physical therapy insurance company you use. Look until liable for this accident. and doctors' visits for John to fully recover. you find it – it really is that important. Let's take a look at this example to further Accident Aftermath: John's doctor took him off work for 6 weeks illustrate why that is: After the collision, John had pain in his after the accident to allow his broken arm neck and right forearm. He was taken from to heal. John works as a machinist and

20 GOAL: A Publication of Go2Goal, LLC | Fall 2017 Automobile Accident Information Form

GENERAL INFORMATION earns $20.00 per hour. On average, if he works for 40 hours per ______week on regular pay and an additional 5 hours of overtime each Location/Intersection Date week, John makes approximately $950.00 per week. So, as a result of this accident, John's 6 week absence from work will cost him ______approximately $5,700.00 in lost wages. Weather Conditions Time am pm OTHER DRIVER’S INFORMATION What's "Tort" Got to Do With It? ______Let's jump back to auto insurance. Name In Pennsylvania, the default on your auto insurance coverage is full tort coverage. However, you do have the option to override the ______full tort option and purchase limited tort. Limited tort is cheaper Address (sometimes not by very much), but it severely limits your legal ______rights to recover damages against the at-fault driver's insurance City State Zip company. This has nothing to do with the at-fault driver's insurance ______company. Based on the example above, here is how the tort selec- Phone Number tion would impact John's case: ______Driver’s License Number State Limited Tort If John purchased Limited Tort on his auto insurance, he severely ______limits his legal right to recover even though he was not at fault for Vehicle Plate Vehicle Year the accident. John's damages may be limited to his out-of-pocket ______losses which, in our example, total the $5,700.00 that John lost Vehicle Make Vehicle Model wages. This, most likely, would be all John could collect from ______Bill's auto insurance company – even though Bill is at-fault for the Insurance Policy Number accident. ______Passenger Names Full Tort If John purchased Full Tort on his auto insurance, John would POLICE DEPARTMENT/OFFICER INFORMATION be able to collect for his lost wages, plus his pain and suffering, ______which is typically the more valuable portion of the claim. Pain and Name suffering includes all aspects of the injury, including the medical ______treatment itself and all of the inconveniences that go along with Badge Number Phone Number being injured. For example, John is right hand dominant. As a result ______of this accident, he was unable to use his right hand for a 6 week Incident Number period. John also has two little girls – ages 6 and 4. He was unable to pick up his kids and play with them like he normally did for 3 WITNESS months. John would be able to make a claim against Bill's auto ______insurance company for all of this and be compensated accordingly. Name ______MORAL OF THE STORY: ALWAYS CHOOSE FULL TORT! Address ______Many people are concerned about whether or not they have City State Zip sufficient auto insurance coverage in the event that they cause an accident and injure someone else. This is very important. Equally ______Phone Number important, however, is that your auto insurance protects you and your family in the event that you are injured by a careless driver. DESCRIPTION OF ACCIDENT ______Your tort option is a very important place to start, but there are many other topics regarding your auto insurance that we should ______discuss. We will be discussing some of those topics in future ar- ______ticles. There are some issues that may be specific to you, therefore, ______we are more than happy to review your auto insurance policy with you now. There is no charge for this service, so please call our ______Personal Injury team at 724-837-0080 for a free consultation. And please remember, if you are ever injured in an auto accident, please Take photographs of the vehicles involved in the accident, the make us your first call. We have won millions of dollars for our accident scene and any debris or other evidence if possible. clients and know what it takes to get you the compensation you deserve. QUATRINIRAFFERTY Attorneys at Law 888-288-9748 . www.qrlegal.com

www.go2goalus.com 21 One Little Girl, One Big Heart and Hope in a Bag

hen addiction took the Currently they are organizing life of her collections of toiletries and donating W book bags filled of personal items uncle Mike, a broken hearted 12-year-old girl to those who are in recovery. If you decided to take action. would be interested in donating to Renah Kozemchak’s “Hope in a Bag,” you can send or drop world was spinning out off any or all of the items listed below of control with a dozen of to one of the following locations: her loved ones reeling from Operation Recover Compassion the aftermath of the relentless Inc. 202 Church Street grip that drugs had on her uncle. Elizabeth, Pa 15037 The then bright eyed 7th grader from Smithton, Pa knew she had to do Sages Army, Inc. something to prevent other families from 216 4th Street Irwin, Pa 15642 feeling her grief, so she started collecting stuff: shampoo, deodorant, plastic razors, Operation Recovery Compassion extends • Body Wash • Feminine playing cards, toothbrushes and toothpaste, compassion to those in need during their re- • Bar Soap Hygiene magazines, snacks, pocket Bibles. Renah covery from drug addiction. Some recovering • Toothpaste Products put everything into a bag and Operation addicts are lucky to have wonderful support • Toothbrush(es) • Gum Recovery Compassion was born. around them, while others are left helpless. • Dental Floss • Notebook(s) and Renah very simply says that she wants all • Deodorant Pen(s) Renah and her family call themselves addicts to know that they are loved, that • Shampoo • Finger Nail “Mike’s Soldiers,” and Renah calls her they are not forgotten and that there is light • Conditioner Clippers mission “Hope in a Bag.” With the love and on the other side of their struggle. • Plastic Razor(s) • Q- Tips support of her family, she has delivered • Hardtack Candy • Blanket more than 1,000 bags packed with personal On Wednesday June 28th at Positively • Deck of Cards essentials to recovering addicts across Wendy Bell’s Evening of Thanks charity • Pocket Size Western Pennsylvania, West Virginia and event, $7,000 was donated to Operation Bible(s) Ohio. Men and women who have hit rock Recovery Compassion. This money helped Contact Operation Recovery Compassion at bottom and have nothing but the clothes on the organization become an official non- profit organization. 724.328.4448 or visit the HOPE IN A BAG their backs are receiving a warm hug from a “Operation Recovery Compassion” public special child they’ll likely never meet. group on Facebook

This page is sponsored by:

Amy Miller 878.228.1011 • Creator of the merchant bill of rights

22 GOAL: A Publication of Go2Goal, LLC | Fall 2017 FEATURE

By: William J. Urbanik, CEO GOAL Magazine For years, in our county and throughout and strong representatives of good and could become more troubling, heartbreak- the United States, we have continuously safe communities. It was then that people ing statistics. We must come together as a heard whispers that our society has a drug began to see themselves and their own united community that, regardless of any problem---specifically heroin and opiates. children in the faces of the victims of this other beliefs, political or otherwise, seeks While there were some who heard the invading and murderous force. a long and healthy life and cherishes the whispers, took it seriously, and began to future of our children. attack this swirling evil blowing in and The drug problem is no longer just a out of our communities, many didn’t hear whisper. It is a raging storm that is out of We call on everyone in our community the whispers at all or feel that the drug control, destroying homes and communi- to join us by taking the first and very problem needed to be something of their ties not from the outside, but from within. necessary steps needed to fight this war on concern. This storm is not the kind that leaves our drugs---become aware. Join us at our event houses in rubble; it swirls in and steals on November 8th and learn from people Most Americans, when they hear people our parents, friends and children from in the trenches the overall impact of the are dying of a drug overdose, think up us without warning, so quickly that their drug epidemic, what resources are being images that don’t paint pictures of people absence seems more like a nightmare than drained, how to recognize a loved one has they know or of themselves: they see the reality. While we are awake and seemingly a problem and much much more. We have homeless man under a bridge, the career aware it strikes a family, once on a path an outstanding lineup of people who are criminal, the dropout, the Hollywood star. filled with love and enjoyment, leaving going to present stories and research in They resort to judging the fallen for being them struggling to survive, searching for relation to the heroin and opiate epidemic. weak or stupid and criticizing their loved answers, seeking help and feeling hope- You will likely be moved to tears of hurt, ones for not knowing or helping. They miss less. For many, this nightmare ends with but also tears of joy as we hear from some the hard truth--- they could be next. loss, not a new day. recovered addicts and other individuals who are taking the fight to the storm with Throughout the years, the whispers of this The whispering problem of the past is now hearts full of goodwill, love and hope. problem have gotten louder and louder. the calling of our present time. If we do Don’t miss this opportunity. Information Slowly but surely, heroin and opiate over- not, as a community, drop this delusion of and awareness are our weapons, and we doses brought thunder to those whispers immunity and open our minds to the real- must all be armed if we are to have a when it began striking down people who ity of the drug epidemic’s reach, this storm chance of winning a war in which losing is many thought were considered to not be will consume our future, taking it from our not the concern, but extinction is. at risk---the educated, successful, older control. What were once promising lives Join Us In The Battle Against Addiction Here are some of the people who are going to open our eyes and prepare us to save lives: WENDY BELL, Blogger and Journalist, will serve as America an alternative to the pain and suffering our MC and Moderator broadcast every day on TV. She wants us all to see there is so much good all around us and that it is Wendy is a positive thinker and story teller with time we start focusing on it. Wendy’s work on tele- 25 years’ experience reporting and anchoring TV vision has earned her 21 Emmy Awards, 4 Edward news. She feels the news these days is all negative R. Murrows and dozens of National Headliners, and likes to see the flip side of life. She wants to Golden Quills and AP Awards. She feels her great- bring to our attention the joy and triumphs and est accomplishment is having 5 sons: Michael, Jack, quiet heroes out there who make our world and Ryan, Christopher and Bobby. “There is no greater our neighborhoods better places. She launched job than that of Mom.” a website in early 2017 that is meant to offer

www.go2goalus.com 23 FEATURE - WE ARE AT WAR

armen lost his son, Sage Capozzi, to Army in hopes that Sage’s story could help a heroin overdose at the age of 20 in others avoid the same fate. Carmen is the CEO CMarch of 2012. Carmen described his of Sage’s Army, a non-profit drug awareness/ son as a typical teenager who had goals and prevention organization that offers support, dreams. He loved golf, talked about working guidance and encouragement to others who at his father’s business while attending have also been affected by this spreading college and the possibility of entering the epidemic. They want to make everyone aware Navy. Sage was a born musician, just like his that drugs do not discriminate: black or father, and performed regularly at Mr. Smalls white, rich or poor, male or female — it simply in Pittsburgh. He didn't show signs of being doesn’t matter. Sage’s Army’s ultimate goal is a drug user. At age 14, someone introduced to eradicate the stigmas that prevent society him to heroin and he snorted it. Carmen from seeing the true national issue of opiate/ and his family didn't find out that he even opioid abuse and addiction. Their mission is L. ANTHONY BOMPIANI tried heroin until he got in trouble at age 17. to raise awareness within our communities, Westmoreland County Carmen’s son entered influence compassion and Magisterial Judge treatment programs understanding and take ac- to battle addiction, tion in combating the beast but the drug and “the of addiction. Sage’s Army Family Man, Businessman, silence” later cost will continue to fight, one Experienced Attorney, him his life. Prior to day at a time. Carmen lives A Community Leader and losing his son Sage, in Irwin with his wife Cindy. Volunteer are a few key words to best Carmen also lost a When he is not running his explain Anthony. He and his wife Kristi stepson to heroin. business Capozzi Flooring have three sons: Domenic, Gino and or spreading awareness Rocco. He has deep family roots in the After Sage’s overdose, with Sage’s Army, he enjoys area for he has lived and served in the Carmen set out with playing the drums, recording Westmoreland County community his his family members music, golfing and learning whole life. A graduate of Hempfield to share their story CARMEN CAPOZZI how to play the guitar. Area Senior High School and St. and started Sage’s CEO of Sage’s Army Vincent College, Anthony returned home to Westmoreland County to practice law after earning his law degree from Duquesne University ric has a true passion pain medication has also been School of Law. He has given back to for the field of identified as a leading pathway the community by volunteering as Criminology, Law to heroin addiction. a youth sports coach, serving as a E and Society and is an former President of Youngwood Area assistant professor in this Dr. Kocian continually make Business Association and assisting field. Currently, Dr. Kocian effort to expand his knowledge military veterans by collecting food in along with seven of his and teaching abilities in all conjunction with “Operation Gratitude.” students, began a student areas of the discipline. He takes Prior to taking the bench, he continued research group that set out great pride in formulating to serve military veterans, firefighters, to interview drug users and honest, caring and personal police officers and others who serve recovering addicts from the relationships with his students, us by providing pro bono legal work to region to discover what trig- doing his best to assist them meet their needs. Bompiani was ranked gered their descent into the with the comprehension of in the National Trial Lawyers Top 100 deadly world of illicit drugs. material in class while helping Trial Attorneys in 2014. They started at Narcotics them to decide where their Anonymous meetings, then vocational path will lead them In his current position as Magisterial with people on probation DR. ERIC KOCIAN when they leave Saint Vincent District Judge, he sees the horrors and parole before heading Assistant Professor at College and how they can best that the heroin epidemic is causing to prisons. They interviewed St. Vincent College serve God and mankind. His on a daily basis. He regularly has close to 200 people all on relationship with God remains both dealers and addicts come before a voluntary basis. These the most important thing in his him in both criminal and civil cases. students were also asked to present their life and he is grateful to have such wonderful, He takes this issue very seriously findings to high-ranking FBI and Drug loving and supportive family members and and uses his position to educate the Enforcement Administration (DEA) officials friends near who remind him of his graces community about the reality of the and agents as part of a task force investiga- and blessings on a continual basis. He enjoys problem. His jurisdiction covers parts tion because of the prevalence of heroin use weightlifting, running, swimming, basketball, of Westmoreland County including in Westmoreland County. Research has led to good movies, the New England Patriots and Youngwood, South Greensburg, one common thread: every heroin user inter- Notre Dame Football. Southwest Greensburg and a portion viewed started with marijuana. Prescription of Hempfield Township.

24 GOAL: A Publication of Go2Goal, LLC | Fall 2017 FEATURE - WE ARE AT WAR

Health. Dawn is happily married to her husband Rick and has six wonderful children.

Angel Arms was created to advocate for the infants and children caught in the cross fires of addiction, a unique population that is neglected and at times forgotten in the war on drugs. In addressing addition problems, we are often neglecting to assist the families who need help and the issues presented by generational addiction. Four years ago, Dawn had a chance to experience the often- overlooked side of addiction - the children and babies. She took custody of a very sick neonatal abstinence syndrome (NAS) baby GINA CERILLI, DAWN HENNESSEY Westmoreland County Founder of Faith Forward at birth who she cared for through horrible withdrawal. Her eyes were open to a sad Commissioner awn is the Founder and Executive new world and her heart was moved to ina is from Hempfield Township Director of Faith Forward Inc. The compassion; she realized she wanted to be and graduated cum laude from programs include Angel Arms a part of the solution, whatever that may D mean. Through much prayer, research and Philadelphia University, earning Infant and Children Recovery Homes, Project G a Bachelor of Arts degree and Masters Stand, counseling services, and support passion, Angel Arms Infant and Children of Business Administration. She earned groups. Dawn is a Mental Health, Family and Recovery programs were developed. Angel her Juris Doctorate from Duquesne Children, and Addiction therapist with more Arms just recently received a donated house University School of Law and is a member than 20 years of experience in counseling which is to be used as a residential facility of their Law Alumni Association. Ms. and nonprofit development. She is licensed to house infants and children who are in Cerilli has been sworn in as a Licensed in faith-based counseling while specializing crisis or whose birth mother is away at a Pennsylvania Attorney and is a member of in addiction. She is currently a counseling treatment facility seeking help, and mothers the Westmoreland County Bar Association and speaking advocate for Faith Forward and and infants when the mothers return from and the Pennsylvania Bar Association. Her her passion is to follow the call on her life treatment. Angel Arms aims to bring aware- roots in Westmoreland County prompted and to continue sharing hope with others. ness about NAS infants and children through her desire to serve the community that had Dawn holds a Master’s degree in Counseling community meetings, speaking engagements provided her with so many opportunities. and a Master’s in Christian Counseling and and community outreaches. Since being sworn in to office in January of is currently working on her Ph.D. in Behavior 2016, she has been concerned with caring for the elderly, combating the rise of drug abuse, protecting businesses that exist in r. Lewis is a prior service Military Lewis examines these approaches and the county and attracting new development. Policeman, having served 23 years argues that retribution and incarceration in the United States Army. He have little chance of success and will D Commissioner Cerilli’s priorities are restor- has been a part of the IUP faculty since only add to the problem through higher ing Westmoreland Manor to its former 2007 and is a Professor of Criminology. His incarceration rates, the threat of more status, addressing the alarming increase in current research interests include legal severe offending, and the implementation the use of drugs and the rise in the number impact studies, deterrence theory and of additional policies that will cause net of deaths from drug overdoses. She works juvenile alcohol use. Dr. widening. with county agencies and speaks to citizen’s Lewis feels there is a groups on a regular basis to disperse dilemma about how to Dr. Lewis is a Faculty information about the epidemic and remove handle alcohol-related Fellow at the John P. the stigma of drug addiction. She works issues involving ju- Murtha Institute for closely with Executive Director Tim Phillips venile offenders and Homeland Security. of the Drug Overdose Task Force. Some of drunk driving. Some Currently he serves the most enjoyable duties for her include argue for additional on the University meeting with the residents of the county alcohol laws to restrict Wide Undergraduate at the Senior Centers, reading to students, use and more severe Curriculum Committee taking part in school programs where she penalties for extant and is a member of the hears the students’ concerns and aspira- laws. Others call for an Center for Teaching tions, and being involved in Willpower ease in alcohol poli- Excellence Advisory events for female students. She is honored cies, including a lower Board. He has recently to be a member of the panel discussion and drinking age and state- published works in the writes articles regularly for Goal Magazine mandated regulation Journal of Correctional DR. JOHN LEWIS on this devastating disease. Commissioner of alcohol use without Education and in Author and Criminology Professor at Cerilli feels that it has taken way too many federal interference. Criminal Justice Studies. Indiana University of Pennsylvania of our community members.

www.go2goalus.com 25 FEATURE - WE ARE AT WAR

n his current Therapist at Gateway Rehab role as Executive in Greensburg. I Director of the Westmoreland Drug Tim is active in many Overdose Task Force, local community and school Timothy Phillips works venues. A person in long with community mem- term recovery from addiction bers and coalitions to himself, he is active in a 12 facilitate replication Step Fellowship and is an of principles of North advocate for the Recovery Carolina’s successful Community and their Project Lazarus with families. He also is a regular the goal of reducing TIM PHILLIPS participant at the Greensburg TONY MARCOCCI overdose deaths in Executive Director of Westmorland Reality Tour Drug Prevention Detective with the Westmoreland County, Drug Overdose Task Force program and a regular Westmoreland County PA. As the former contributor/trainer to Sage’s Detective Bureau Director of Community Army. Tim is also a founding Prevention Services of Westmoreland, a member of the Young People in Recovery (YPR) ver the years, Tony has been program of Westmoreland Community Action, Pittsburgh Chapter. Tim received the 2015 involved in thousands of he has developed and provided technical as- Community Action Association of Pennsylvania O investigations involving sistance to Westmoreland County agencies to Distinguished Service Award, an award honoring violations of both Federal and State implement countywide prevention education, individuals who demonstrate selfless service Narcotics Laws. He is qualified as an awareness and outreach programs. He was to the community. He was also selected and re- expert in narcotics in the Federal responsible for reporting data evaluations ceived the 2015 Innovations Award for Recovery Courts of the Western District of and outcomes on countywide prevention & Education by Mental Health America of Pennsylvania along with the Courts programs to the Single County Authority (SCA) Westmoreland County for his efforts in promot- of Common Pleas of Westmoreland and The Department of Drug and Alcohol ing education and recovery of those affected by County. Detective Marcocci is a Programs (DDAP). He is a Part Time D&A drug addiction and mental illness. speaker and founding member for the Westmoreland County Reality Tours Prevention sites throughout Westmoreland County and in 2011 followed her daughter’s wish; she wrote a was presented the Outstanding heartbreaking, yet honest obituary that spoke Performance Commendation from of Casey’s struggle with addiction while hon- the Pennsylvania Narcotics Officers oring her as a beautiful young woman with Association. In 2013, he was an hopes and dreams. By doing this, Casey and advisory board member for the Michelle hoped to break the stigma attached Westmoreland County Overdose Task to addiction, shine light upon the epidemic Force and in 2015 was a founding and let families and addicts know that they member of the Drug Court Team for are not alone. While their hope was to help Westmoreland County. In 2015, he others, even if it was just one person, Casey’s received the Innovations Award for obituary went viral and it has reached many. Recovery and Education from Mental Casey and Michelle’s story was featured in Health America of Westmoreland news stores and on internet pages across the County. He continues to work with world. Casey’s picture was recently featured in parents and families of individuals in “People” magazine along with other overdose addiction to try and set up the best MICHELLE SCHWARTZMIER victims in an effort to put a face to those who course of treatment. "There is a killer Grieving Mother of a daughter who have been lost. Michelle even received a call out there, and we want to try to stop passed away of a heroin overdose from the White House from the Executive people from using it," Marcocci said Office of National Drug Control Policy saying, "We are going after the addicts. They “Casey’s story has reached the White House, ichelle has lived in the Pittsburgh can very well supply it to another and we are listening.” In the seven short area her entire life and currently addict. But ultimately our goal is to months since Casey’s tragic death, Michelle lives in the North Hills with her go after the sources - the actual deal- M has used her pain, heartfelt words and actions husband Rich and 17-year-old son Eric. Just ers - whether they be in our county or to reach others and give the support which before her 20-year-old daughter Casey died another county." bout the reality of the has been lacking. She has and will continue of an accidental overdose in January this problem. His jurisdiction covers parts working tirelessly to help ease the pain of year, Casey asked Michelle to be honest in of Westmoreland County including addiction, but, at the end of the day, she wants an obituary if something ever happened to Youngwood, South Greensburg, to be simply be known as a grieving Mom who her. Casey said, “don’t say suddenly as cause Southwest Greensburg and a portion kept a promise to her daughter: she will not of death, tell them my story.” Michelle put of Hempfield Township. only sit in sadness if her voice can make a aside the fear of shame and judgement and difference in a life, even if it’s just one.

26 GOAL: A Publication of Go2Goal, LLC | Fall 2017 FEATURE - WE ARE AT WAR

ikayla is a 16-year-old from Smithton that extends compassion to those in need going into her junior year at the throughout their addiction recovery. Mikayla MYough Senior High School. She is has been a spokesperson for this organization involved in many school sports and clubs for over a year now speaking at different including track and field, CAP/SADD, student events at the county, regional and state council, outdoors club, precision team and is levels. She assists founder Renah Kozemchak, an active member of the National Wild Turkey founder of Operation Recovery Compassion, Federation and Rocky Mountain Elk Federation. by packing “Hope in a Bag” and passing them In addition, she is an auxiliary member at the out to recovering addicts who have hit rock turkey town firehall where she works bingo, is bottom and have nothing but the clothes on a youth soccer referee and is involved in the their backs. Items include shampoo, deodorant, 4-H program participating in swine, poultry, plastic razors, playing cards, toothbrushes, rabbits, goats, and veterinarian science. She toothpaste, magazines, snacks and pocket enjoys baking with her sister Juliana and bibles. In the future, Mikayla plans on receiv- volunteering throughout her community. ing an undergraduate degree in biology and a MIKAYLA MUSGROVE graduate degree in veterinarian science. Spokesperson for Operation She is the treasurer of Operation Recovery Recovery Compassion Compassion which is an organization

n 2013, Jim Woods was hit by a alcohol, a place where people could go car going 25 mph. Though the for good food and company. When his I accident left him with a severe initial plans didn’t work out, he used head injury, separated his right arm the money he had saved for a down and shoulder from the clavicle, nearly payment on a building to buy a food severed his leg and put him through truck instead. He opened the business months of surgery and rehab, Mr. in April and named it Mission Mahi Woods now credits the accident for to reflect his goal of helping others having saved his life. At that time, while serving his specialty, fish tacos. Jim’s life was spiraling out of control. As Mr. Woods serves up tacos on his Though he had just gotten out of food truck, he shares his story. Some rehab for alcoholism, he was hit by the people just want food, but others want car while he was out purchasing a 12 JIMMY WOODS to hear about his recovery as well. He pack of beer. He was in the process of Recovering Addict and owner said his main goal is to give others losing the New Amsterdam bar that he of Mission Mahi Food Truck hope and a safe place to talk without owned in Lawrenceville and praying being judged. The truck is most often to a God that he wasn’t sure existed, experience; from that point on, he knew stationed in a parking lot at Sample begging him to save his life because he he would be OK. and Peebles roads in McCandless, but felt he had run out of options. While in Mr. Woods is receiving requests to come the hospital for his accident, though he After the loss of his bar and through the to other locations. “For me, it isn’t about was forced to quit drinking, he became process of rehabilitation, he turned his making money,” he said. “It is about help- addicted to pain medication. As his life focus on recovery which inspired an idea ing people, and if I can get the message hit rock bottom while in rehab, Mr. Woods for a new business. At first, Mr. Woods out through good food, great.” had what he described as a spiritual wanted to open a “bar” that didn’t serve

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www.go2goalus.com 27 and rabbits and houses around eighty ani- mals. To date, the organization has rescued, rehabilitated and re-homed over 3,000 lives. Their life saving work is done with only 3 paid staff and an army of over 250 active volunteers contributing over 20,000 man hours to the Animal Friends mission.

Within the next year, Animal Friends Sanctuary will also “Animal Friends Sanctuary” reads a small neglected or abandoned begin construction of a new sign on the windy Smiths Hill Road in themselves will be able shelter to provide housing Latrobe, Pennsylvania. This timid sign is an to find hope and healing and medical care for more indicator of Candy Nelson’s big plans on as they begin to build cats, dogs and bunnies than the horizon. Here, in Unity Township, Animal trust by relating to the ever before. Friends of Westmoreland will expand their stories of the animals mission and vision by opening Animal who also share such If you would like to make Friends Sanctuary. horrific pasts. an impact on the lives of abused and abandoned With the purchase of a 62-acre farm, Animal A longtime animal activ- animals and children, please Friends Sanctuary will be able to rescue ist, Candy started Animal donate to create a kinder, large animals like horses, donkeys and cows Friends of Westmoreland more compassionate world at as well as farm animals such as pigs, goats, in 2006, and in 2009 animalfriendssanctuary.org. sheep and chickens. The organization has opened Animal Friends a massive vision and is not stopping there. of Westmoreland Once the Sanctuary is open and programs to the public. Their have been funded, Animal Friends will be shelter is currently Grab your FARM APPROVED hoodie before they are opening their doors, and their hearts, to located in Youngwood, gone! Your purchase will also feed an animal for a invite at-risk youth to the farm. Children Pennsylvania. This month! Visit our website to order online. in foster homes who have been abused, shelter rescues cats, dogs Kindness never looked so good.

Looking for a fabulous night out that is “out of the box”? Animal Friends Sanctuary will be hosting their Barnyard Ball on Friday, October 20, 2017. Come to the farm for an event like no other where the red carpet is lined with hay bails! View the newly renovated barn, see the farm and even meet the new sanctuary residents! Valet parking, food trucks, live entertainment, dinner, desserts, beer and wine is all included in your ticket. Regular admission is $50 per ticket. VIP tickets are $125 (very limited availability).

28 GOAL: A Publication of Go2Goal, LLC | Fall 2017 10 Great Apps Scott Ludwick Real Estate Professional Berkshire Hathaway HomeServices for Homeowners The Preferred Realty

Haven’t caught on to the app craze just yet? If you own a home, we’re about to give you 10 good reasons that you should just give in and start downloading! For everything from home décor to home maintenance and more, there is an app that can make your life as a homeowner a little easier. Here are 10 of the best apps for homeowners, sorted into five easy-to-use categories:

1. Home Decorating 4. Home Finances Photo Measures: Whether you’re just trying to shop Mint: This wildly popular money app just seems to do it for new furniture or you’re building a new house, all. You can track your spending, create a budget, access Photo Measures is the perfect way to take down monthly bills and do so much more! If you’re reluctant to dimensions. All you’ve got to do is snap a photo and start downloading apps, let this be the first one on your draw measurements right on! list. It’s a financial lifesaver for any homeowner! Houzz Interior Design Ideas: This app can do just You Need a Budget: If you’re in over your head with bills, about anything a homeowner needs. Looking for this app is ready to help. In fact, it can help you learn to a design idea? Want to buy a particular piece of stop living pay check to pay check and be prepared for furniture for your home? Interested in what others any little financial punch life throws your way. have to say about a product? Houzz has you covered and more! This app can even help you visualize how 5. Home Cleaning a certain piece of furniture or art might fit into your BrightNest: What homeowner doesn’t need a little home. For homeowners, it doesn’t get any easier! help keeping their home clean? With BrightNest, you can create a convenient cleaning schedule. If you don’t 2. Home Organization even know where to start when it comes to cleaning Snupps: Do you ever feel like you don’t have enough your home, BrightNest can give you the instructions you storage space at home? Let Snupps help! This app need! can give you virtual shelves where you can categorize Tody: This app allows home cleaning to become a your belongings. You can even ask for organization little more fun. It actually creates a game that allows all help from other users! family members with smartphones to participate. Family OfferUp: Maybe you’ve done a good job of members can check in and even receive prizes when decluttering your home. But, what do you do with they complete assigned tasks – you know, the ones you everything you’d like to get rid of? Try OfferUp! This used to call “chores.” app allows you to list items for sale in just 30 seconds. In nearly everything we do, there is an app that has been

designed to help us. So, homeowners, simplify your daily 3. Home Maintenance schedule and embrace the technology that can make ColorSnap Visualizer: Painting projects are huge your life easier. Download and start using these 10 great for homeowners. Finding the perfect color is always apps today! tough. If you see a color you like somewhere, this app allows you to snap a photo and match it to a color If your have real estate questions, contact Scott at available in stores. 724-838-3660 or [email protected] iHandy Carpenter: How many times have you been trying to hang a photo at home, but haven’t been able to find the tools you need to do it? This app can be a level, ruler, protractor or more! Even if you don’t have a tool collection, this app practically starts one for you! Deciding When to Retire: When Current Life Expectancy Timing Becomes Critical Estimates By SecondHalf Coach Deciding when to retire may not Wealth Management Team be one decision but a series of decisions and calculations. For Men Woman example, you'll need to estimate not only your anticipated ex- penses, but also what sources of At birth 76.3 81.2 retirement income you'll have Deciding and how long you'll need your At age 65 retirement savings to last. You'll 83.0 85.6 need to take into account your life expectancy and health as Source: NCHS Data Brief, Number 267, December 2016 When to well as when you want to start receiving Social Security or pen- sion benefits, and when you'll There are other considerations start to tap your retirement sav- as well. For example, if you Retire: ings. Each of these factors may expect to receive pension pay- affect the others as part of an ments, early retirement may overall retirement income plan. adversely affect them. Why? When Timing Because the greatest accrual of Thinking about early benefits generally occurs during retirement? your final years of employment Retiring early means fewer earn- when your earning power is Becomes ing years and less accumulated presumably highest. Early retire- savings. Also, the earlier you ment could reduce your monthly retire, the more years you'll benefits. It will affect your Social need your retirement savings to Security benefits too. Critical produce income. And your retire- ment could last quite a while. Also, don't forget that if you According to a National Vital hope to retire before you turn Statistics Report, people today 59½ and plan to start using can expect to live more than your 401(k) or IRA savings right 30 years longer than they did a away, you'll generally pay a century ago. 10% early withdrawal penalty plus any regular income tax Not only will you need your due (with some exceptions, in- retirement savings to last cluding disability payments and longer, but inflation will have distributions from employer more time to eat away at your plans such as 401(k)s after you purchasing power. If inflation is reach age 55 and terminate 3% a year--its historical aver- employment). age since 1914--it will cut the purchasing power of a fixed Finally, you're not eligible for annual income in half Medicare until you turn 65. in roughly 23 years. Unless you'll be eligible for Factoring inflation into retiree health benefits through the retirement equa- your employer or take a job that tion, you'll probably offers health insurance, you'll need your retirement need to calculate the cost of income to increase each paying for insurance or health year just to cover the care out-of-pocket, at least until same expenses. Be sure you can receive Medicare cover- to take this into account age. when considering how long you expect (or can Delaying retirement afford) to be in retirement. Postponing retirement lets you continue to add to your retire-

30 GOAL: A Publication of Go2Goal, LLC | Fall 2017 ment savings. That's especially advanta- aged employees who wanted a reduced Check your assumptions geous if you're saving in tax-deferred ac- workload but hadn't yet reached normal The sooner you start to plan the timing counts and if you're receiving employer retirement age to take early retirement of your retirement, the more time you'll contributions. For example, if you retire and go to work elsewhere (often for a have to make adjustments that can help at age 65 instead of age 55 and manage competitor), allowing them to collect ensure those years are everything you to save an additional $20,000 per year both a pension from the prior employer hope for. If you've already made some at an 8% rate of return during that time, and a salary from the new employer. tentative assumptions or choices, you you can add an extra $312,909 to your may need to revisit them, especially if retirement fund. (This is a hypothetical you're considering taking retirement in example and is not intended to reflect stages. And as you move into retirement, the actual performance of any specific you'll want to monitor your retirement investment.) income plan to ensure that your initial assumptions are still valid, that new Even if you're no longer adding to your laws and regulations haven't affected retirement savings, delaying retirement your situation, and that your savings and postpones the date that you'll need to investments are performing as you need start withdrawing from them. That could them to. enhance your nest egg's ability to last throughout your lifetime. Securities and advisory services offered through SagePoint Financial, Inc. member FINRA/SIPC. Insurance services offered through SecondHalf Coach Wealth Management which is not Postponing full retirement also gives affiliated with SagePoint Financial, Inc. you more transition time. If you hope to Broadridge Investor Communication Solutions, Inc. does not trade a full-time job for running your provide investment, tax, or legal advice. The information own small business or launching a new presented here is not specific to any individual's personal career after you "retire," you might be circumstances. able to lay the groundwork for a new To the extent that this material concerns tax matters, it is life by taking classes at night or trying not intended or written to be used, and cannot be used, by out your new role part-time. Testing your a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent plans while you're still employed can However, pension plans now are al- advice from a tax professional based on his or her individual help you anticipate the challenges of lowed to pay benefits when an employee circumstances. your post-retirement role. Doing a reality reaches age 62, even if the employee is These materials are provided for general information and check before relying on a new endeavor still working and hasn't yet reached the educational purposes based upon publicly available informa- for retirement income can help you see plan's normal retirement age. Phased tion from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The informa- how much income you can realistically retirement can benefit both prospective tion in these materials may change at any time and without expect from it. Also, you'll learn whether retirees, who can enjoy a more flexible notice. it's something you really want to do be- work schedule and a smoother transition fore you spend what might be a signifi- into full retirement and employers who SecondHalf Coach cant portion of your retirement savings are able to retain an experienced worker. Wealth Management Team on it. Employers aren't required to offer a 2519 Ligonier Street P.O. Box 421 phased retirement program, but if yours Latrobe, PA 15650 Phased retirement: does, it's worth at least a review to see 724-537-2799 the best of both worlds how it might affect your plans. 724-537-3180 (Fax) Some employers have begun to offer [email protected] phased retirement programs which allow Key Decision Points www.thesecondhalfcoach.com you to receive all or part of your pension benefit once you've reached retirement age while you continue to work part- Age Don't forget.. time for the same employer. Eligible to tap tax-deferred Federal income taxes will be savings without penalty for 591/2* due on pretax contributions Phased retirement programs are get- early withdrawal and earnings ting more attention as the baby boomer Taking benefits before full Eligible for early Social 62 generation ages. In the past, pension law Security benefits retirement age reduces each for private sector employers encouraged monthly payment workers to retire early. Traditional pen- Contact Medicare 3 months Eligible for Medicare sion plans generally weren't allowed to 65 before your 65th birthday pay benefits until an employee either After full retirement age, stopped working completely or reached Full retirement age for 66 to 67, Social Security depending on when earned income no longer af- the plan's normal retirement age (typi- you were born fects Social Security benefits cally age 65). This frequently encour- *Age 55 for distributions from employer plans upon termination of employment.

www.go2goalus.com 31 Regan Guzik GREATER LATROBE Communication Studies and Marketing, Youngstown State University SENIOR HIGH SCHOOL GLSD C’15

Steelers Light Up Latrobe in Black and Gold

can remember waking up as a the Greater Latrobe School District. AD Mark pro football teams can you say go to a high little kid, not even in kindergarten Mears, who has been with the school district school and practice in their stadium.” Mears yet, and going to my grandparents for almost a decade, has developed strong echoed similar sentiments: “Seeing this com- “Iand meeting all my cousins to bonds with the Steelers general manager plex hold an NFL event and work, no one is pile into my pap’s Astro Van to head to Saint Kevin Colbert: “Over time, [by] developing my going to forget that moment for awhile when Vincent College for Steelers training camp,” relationship with Kevin Colbert [through] Tyler we pulled that off.” said Tyler Mears, Latrobe graduate and son being a ball boy and me being around all the of Athletic Director Mark Mears. For over 50 time, they have learned that a local guy can Greater Latrobe’s sports complex, including years, the Pittsburgh Steelers have held their find stuff for them. When they trust that, they Rossi Field and Arnold Palmer Field House, annual training camp in the city of Latrobe, know who to call when they need help.” proved itself worthy by spontaneously hosting calling Saint Vincent College home for three two NFL practices. Yet, the tradition of an open weeks. Every year, Steelers Nation, from locals On Friday, July 28, Colbert made a call to nighttime practice has been taking place for to out-of-state fans, flock to campus and the Mears who dutifully reacted expressing, decades. “The Steelers want to take care of the community of Latrobe to witness the start of “When the Steelers call, you’re going to help fans, and that is how it has evolved over the the preseason journey. them. That’s the bottom line.” The first and years,” said Feather. Friday Night Lights was a second day of training camp was held at vision that started through the eyes of Chuck In the small city of Latrobe, the team values the Greater Latrobe sports complex due to Noll, continued through Bill Cowher and was are held high and the Pittsburgh Steelers weather conditions. Even though a storm blew finally implemented by Mike Tomlin. Feather appreciate the hospitality and passion of through, thousands of fans fled to Rossi Field states, “Tomlin was the one who started Friday their fans. Training camp, which ran from to cheer on their team. In collaboration with Night Lights, but Chuck Noll’s theory was [that July 27-August 18 this past summer, has be- the coaching staff, security, local fire depart- the one night at the Memorial Stadium] is for come much more than just a practice for ments, and school volunteers, Mears imme- fans who can’t get to camp [in the afternoon the Pittsburgh Steelers, it is a symbiotic diately jumped into action by preparing to at Saint Vincent College on Chuck Noll Field].” relationship. welcome the team and their fans. Mears said, “Tomlin said he loves coming here. He said Tomlin moved that traditional practice “This is their summer home, and it is their that we don’t lose practice here.” The Sprint from Wednesdays to Fridays to keep a [field] when they are here,” said Denny Turf on Rossi Field was an easy transition for Southwestern Pennsylvania high school foot- Augustine, Facility Manager at Saint Vincent the NFL team. “You want to show them that ball tradition alive. “The Steelers provide the College. “It is the greatest experience; I look they are safe here in Latrobe no matter what community with that experience by bringing forward to it every year and how it brings our and that they have a facility to go to no mat- people who don’t often experience the ‘Friday community together,” said SVC Bookstore asso- ter what,” said Mears. Night Lights’ to the stadium to enjoy a really ciate, Linda Petrarca. cool experience,” said Anthony Fannie, a GLSD Jim Feather, a longtime employee of GLSD, senior football player. The bus ride from Saint Over the years, the relationship between the had his dream come true during those first Vincent College to Latrobe Memorial Stadium Pittsburgh Steelers, Saint Vincent College and few days of training camp. He said, “It was us, allows the professional players to flashback Greater Latrobe has been well-established it wasn’t staged, it wasn’t planned. How many to the times when they swelled with pride and is expanding in collaboration with

32 GOAL: A Publication of Go2Goal, LLC | Fall 2017 in their own high school football field. Friday Night Lights means that the Hannah Mears, C’16 said, “People from whole community comes together to all over the country travel to watch the watch and cheer on learning teenagers Steelers at Latrobe. It’s cool to see the that want to be successful in life. Also, Remembering Steelers play on a field that we watch our just hearing ‘Friday Night Lights,’ gives high school team on in the fall. In gen- me chills because it has been a very State Trooper eral, it’s just neat to see how the Rooney’s popular tradition in Latrobe for genera- keep the tradition of ‘never forgetting tions,” said Fannie. Mears states, “It’s Michael Stewart III where you came from’ each year.” amazing that one little town out of the whole world had Fred Rogers, Arnold n Friday, August 4, 2017, The Steelers Under the leadership of Mears, the Palmer, and the Pittsburgh Steelers. quarterback Ben Roethlisberger Latrobe athletic department, athletes What are the odds that the most fa- honored Michael Stewart III as his and other school leaders work together mous golfer ever, the most famous tv immediateO and extended family with on-field to welcome the NFL team and Steelers personality ever, and the Pittsburgh privileges at the Friday Night Lights football Nation. “Everybody knows Latrobe is the Steelers all have roots in Latrobe. We practice at Latrobe’s Memorial Stadium. As a training camp of the Steelers and every don’t realize how blessed we’ve been.” young teen, Michael worked at Steelers training year it just keeps getting bigger,” said These deep roots have proven that camp at Saint Vincent College for nine years Feather. At last year’s event, the Steelers life is a blessing. When the Pittsburgh under the tutelage of Jack Kearney, head of collaborated with ESPN to broadcast the Steelers come to Latrobe with fans Steeler security. “I called him junior before I Friday Night Lights experience. Feather from far and wide, they can share that even realized he was a junior,” he said. Kearney, said, “I think that ESPN saw something blessing with a college, with a town, moved by the passing of the 26-year-old state that they could run with. This has been and with a community. police officer, organized the memorial that going on since Chuck Noll and they want- ed to see what was going on here. They included having the close family being on the took a chance and ran with it.” Mears said, field in Mike’s spirit. “Last year, we incorporated ESPN and it was the first nationally televised football The Fraternal Order of Police Lodge 62 is practice ever. This year they brought their selling T-shirts and collecting donations whole broadcast production truck and for a scholarship established in Stewart’s broadcasted Sports Center here.” name. Representing the FOP Lodge 62 were Corporal Ron Zona, president, along with Paul The Steelers experience and mini-camp McCommons, treasurer, Michael Demise, dues was open to young football enthusiasts, secretary, and Paul Detruf, treasurer, who while vendors sold Steelers goods and sold T-shirts at the FNL event. Trooper Travis the band Switch performed. Upon ar- November, who was Stewart’s partner, was rival, Steeler players signed autographs. also present. Direct donations can be sent to Antonio Brown was smiling in many the state police barracks in Greensburg, 100 N. selfies with the fans. “To me, the term Westmoreland Avenue, PA 15601 with checks made payable to the Michael Stewart Memorial Fund.

Also, the Rev. Paul R. Taylor, executive vice presi- dent at Saint Vincent College, announced that a scholarship will be open to incoming freshmen at SVC from the Greater Latrobe School District in honor of Stewart, who graduated from GLSD in 2008. He was also a member of Sacred Heart Parish in Youngstown, PA. Those wishing to contribute to the fund may contact the Office of Institutional Advancement, Saint Vincent College, 300 Fraser Purchase Road, Latrobe, PA 15650-2690.

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www.go2goalus.com 33 MDs across the nation are getting the Big Idea By Reed Nelson, DC BS

edical doctors across America prejudice, people tend to remain stuck in have been getting off their ped- allopathy the past and resist change. If you hear your estals and integrating regular [uh-lop-uh-thee] MD say, “I don’t believe in yoga” or “I don’t referrals to wellness providers noun like chiropractors,” you may want to ask him intoM their service. Despite continued or her if they believe in gravity. Remember, The system of medical practice efforts by powerful medical associations to there was a time in our history when many monopolize and control all health care, it that aims to combat disease by the educated people lived their whole life refus- is great to see individual MDs stepping up use of remedies (such as drugs or ing to believe that the world was round. for the health of their patients. Today’s MDs surgery), thus producing effects recognize that more and more people in the different from or incompatible with Today, there are 37 million people that US seek wellness care, not just disease care. those produced by the disease being practice yoga, spending 16 billion dollars treated. annually on classes, gear and accessories. It is encouraging to see so many top MDs Similarly, chiropractors treat more than 35 let go of past prejudices against wellness million Americans each year, and 50 million providers. These outstanding doctors are Common sense tells us that there are good adults in the US had at least one massage leading others to realize that the majority and bad service providers in any profes- last year. We all can agree that if over time of wellness providers not only have solid sional industry; the same standard applies the food is no good the restaurant closes: educations, but many benefits to offer to doctoring, no matter the specialty. While these wellness providers must be providing their patients as a unique supplement to provider bias is in decline, it certainly has a worthwhile service if the industries are allopathy. not been eliminated. As with most forms of continuing to grow.

34 GOAL: A Publication of Go2Goal, LLC | Fall 2017 The value of wellness providers is also musculoskeletal issues with pain pills have The truth is that there are many excellent reflected through their inclusion in recom- become a big problem. Prescription drug providers spread across multiple health care mended treatments by recognized institu- abuse in the US is an epidemic. The Feds specialties. I have had the pleasure to work tions and publications within the medical have respectfully stepped in and the days of with many of them over the last 22 years, industry. The Journal of the American quickly stopping by the doctor’s office to get finding that all who work in healthcare have Medical Association in 2017 supports the your OxyContin script are all but over. unique stories about what brought them to use of spinal manipulation as the first line their specific profession. No matter what of treatment for lower back pain. (JAMA I believe all healthcare providers should the provider type, when we practice with https://doi.org/10.1001/jama.2017.3086) respect each other’s unique strengths and love and kindness, people will take note. Similarly, the American College of Physicians weaknesses. I applaud doctors who continue When we are truly present with patients and released updated 2017 guidelines that the process of collaborating with other well- carry ourselves with a professional, positive recommend conservative non-drug care, ness providers. By learning and engaging state of mind, people will smile. When we such as chiropractic manipulative treatment, with each other, valuable relationships can set aside the politics of healthcare and put first for acute and chronic lower back pain. be built and patients will give thanks when patients first, all will celebrate! Additionally, as many in western these various specialties work together to Pennsylvanian have noticed, MDs treating deliver a positive experience.

The number of wellness providers in the US Chiropractors...... ~77,000+ Massage Therapists...... ~375,000+ Physical Therapists...... ~217,000+ Yoga instructors...... ~53,000+ Certified Personal Trainers...... ~267,000+ Acupuncturists...... ~20,750+ Thousands of other wellness providers include: Meditation Specialists, Water Aerobics instructors, Cryotherapy Providers, Corporate Wellness specialists, Relationship Counselors

Reed Nelson DC BS (center) is the founding partner of Westmoreland Chiropractic & Rehab Associates, a provider group made up of Chiropractors, Massage Therapists & a Nutritionist helping patients in 3 locations across Westmoreland county.

Left to right: Dr. Mike McClure, Dr. David Nicols, Dr. Reed Nelson, Dr. Wes Orvosh, Dr. Dan Lovette

www.go2goalus.com 35 5 Ways to Increase Your Cash Flow By Ray McElhaney, R.J McElhaney & Associates

In all business “cash is king.” There have discount. Usually the savings you receive Longer credit terms translate into interest been many profitable companies go out of does not make up for the time your cash is free borrowing. business because of the lack of cash flow. In tied up in inventory. Be objective in making small business this is the most important inventory decisions. 5. Review & Reduce Expenses: Take a measurement of performance. Below are a critical review of all of you expenses. Make few tips that can help your business improve 3. Accounts Receivable: If offering credit to sure you are not overpaying for services such its cash flow: customers, make sure to complete a credit as phone, Internet service, payroll processing check before extending any credit. If the and insurance. Be careful not to cut costs 1. Invoice Immediately. Make sure you are potential customer has bad credit, do not that will hurt the profits. Before you make invoicing as soon as a job is finished or a extend them terms. Not getting paid for a that expenditure make sure it is necessary product is delivered. This helps you get paid sale does not help your cash flow. Look at and that it will help the bottom line. Again faster and eliminates the risk you might your credit receivable terms. Considering be objective in making these decisions. forget to invoice a customer. offering a small discount for cash on delivery payments or for customers paying quickly. Make sure your are completing a rolling 13 2. Check Your Inventory: Inventory can tie Also, add a penalty for late payers. Make sure week cash forecast which will help pin point up significant amounts of cash. Regularly you have good collection system in place and upcoming cash flow problems so you can check your inventory for slow moving or aggressively follow up on past due accounts. anticipate and plan for those problems. If obsolete items and sell them even if you you need help getting started or maintaining have to take a loss on the item. It is hard to 4. Accounts Payable: Established good pay- your forecast, R.J. McElhaney & Associates, a walk away from an item that you thought ment discipline. Make payments when due small business advisory firm, can help. We are was going to be a success, hoping that some use the maximum amount of time allotted experts on cash flow analysis and forecast- day demand will reappear. In that vein, don’t and only consider making early payments ing. Give us a call today so we can help your order more inventory than you planed to only when a discount if offered. Negotiate business start, grow and succeed. just because a supplier is offering a large longer payment terms such as 60 or 90 days.

36 GOAL: A Publication of Go2Goal, LLC | Fall 2017 The dreaded question: What is your credit score? By Arrika Maxwell

Millions of Americans every day are faced in writing what information you think is with this question. Whether you need to inaccurate. This is also known as a dispute buy a new car or are ready to realize the letter. Make sure to include copies of American Dream of purchasing a new home, documents that support your claims. Step credit plays a factor in nearly every aspect two is to notify the information provider of your life. Even though credit plays such (the creditor) in writing (dispute letter) that a huge part in our lives, few people really you dispute an item on your credit report. know anything about it other than their This process is tedious and may take several score. Though that number is very important, attempts before you see resolution, but don’t it is only one small part of the big picture. give up. So, let’s take a look at five steps to improve the big picture and help you take control of on which bureau you look at, there may 4. Rebuild Your Credit- Use a credit card to your credit. Whether your score is a 440 or a be a Report Summary. This summary will start good payment history which counts 720, there is always room for improvement let you know what you can expect to see for a significant portion of your credit score. to raise that score or maintain your already on the report. This can include number of Don’t be late on these payments! Also, try to impressive credit profile. potentially negative items, accounts in good keep your balance below 40% of your actual standing, etc. Next is the Accounts in Good credit limit. If you can’t get approved for a 1. Educate Yourself on Credit Laws- There Standing section. This section will show your credit card, try applying for a secured credit are federal guidelines set in place to protect satisfactory account history. This is the bulk card. You’ll have to put a small deposit down, you as the consumer from unfair reporting of your credit report and will list creditor but the card will help you build your credit by credit bureaus. The Fair Credit Reporting and account information. Then we have the with each on-time payment. Act (FCRA) is a federal law that regulates Potentially Negative Items section. This is credit reporting agencies and works to en- just what it sounds like, a section outlining 5. Hire a professional- Credit restoration sure the information gathered and reported all negative accounts and public records. Up can be a long and tedious process. There are on your credit history is fair and accurate. next you will find the Record of Requests timelines that must be met, and the laws This means if there is information on your section. This section shows inquiries shared associated with disputing items can leave report that is inaccurate there can be resolu- and includes “soft” and “hard” inquiries. “Hard” you wore out and may eventually lead to you tion. It is incumbent upon the credit report- inquiries are the ones that are shared with just giving up. Hiring a reputable company ing bureaus to remove any information that others such as those that you may have that makes it their goal to fix your credit is is deemed inaccurate or false. What does this authorized a creditor to make while securing a good route to take, but beware of scam mean for you? This means that if you find services or loans. These inquiries can affect credit repair companies as there are plenty misinformation on you credit reports, you your FICO score for up to a year. Try to take out there that don’t follow the laws set in can challenge those inaccuracies directly hold of this information and get comfortable place by the Credit Repair Organization with the reporting bureau and have them with referencing it regularly. Act (CROA). Don’t ever use a company that removed from your credit report. Removal requests payment before work is completed of this information can lead to an improved 3. Dispute Outdated and/or Inaccurate on your file. Also, beware of companies mak- credit score. Information- Once you get comfortable with ing promises to remove accurate information reading your credit reports, start to pinpoint or to change your identity. These are illegal 2. Learn How to Read a Credit Report- Credit inaccuracies for dispute. Under the Fair practices that consumers are rarely aware of. reports are packed with information and can Credit Reporting Act, it is the responsibility If you want some advice, a consultation, or be very confusing, even for those who are of the credit reporting company and the are ready to begin credit restoration with a well versed. To complicate things further, reporting bureaus to correct any inaccurate professional, contact me, AIM Financial, LLC each of the three credit reporting bureaus or incomplete information on your credit at (724) 787-7840 or email me at aimfinan- (Equifax, TransUnion, and Experian) organize report. This is done in two steps. The first [email protected] and I will be happy the information differently. Depending step is telling the credit reporting company to discuss your options.

www.go2goalus.com 37 SHOP.COM™…have you heard of it yet? It’s much a product broker. We are a sourcing THE POWER OF VERTICAL the FUTURE of internet shopping, and it is company, and we identify market-driven Our whole business model is based on a here now! I am an Independent Unfranchised products in billion-dollar industries. We allow vertical marketing structure. Vertical elimi- Owner with SHOP.COM™/Market America, the manufacturer to do what they do best nates the pitfalls of a horizontal marketing and I believe we are the most exciting and which is research and development, and we structure (competition) and actually creates visionary company out there. do what we do best which is distribution. synergy. In horizontal such as traditional Being a product broker is a great place to be business, franchising, multi-level marketing, If someone told you five years ago that in business as we are immune to marketing etc., when you open a second location you the world's largest TAXI COMPANY would trends. What people are buying in 5, 10 even spread yourself thin. In vertical, as you open own NO vehicles, the world's most popular 20 years may be different than what people subsequent business centers, you actually PUBLISHER would create NO content, and are buying today, but Market America will secure the previous ones. the world's largest MUSIC DISTRIBUTION surely have whatever it is that people want. DOESN'T own a recording studio, you would Our business system is designed for very busy have found that hard to believe, right? YOU ARE ALREADY SPENDING IT, people to be able to implement this business Well, today there is another paradigm shift WHY NOT EARN ON IT? alongside and without affecting what they are happening with internet shopping, and SHOP. With SHOP.COM™, costs are driven down and currently doing. That said, no one is going to COM™ is at the forefront. margins move back to the consumer. It’s a win, consider anything additional unless it is going win, win, win...the store wins, the customer to give them something they don't already SHOP.COM™: wins, the entrepreneur wins and SHOP.COM™ have. I ask people: What do you want more of What better domain name than SHOP.COM™! wins. It moves more of the profits through in your life? What do you want less of? Every household is buying something. What more people rather than a few people at the Check out my website (www.SHOP.com/ you are buying may be different than what top keeping it all. everforward) for all your shopping needs – your neighbor is buying, but we are all pur- The way we sell products is virtually. We find including groceries! Don’t forget to register chasing things. Online shopping is definitely the manufacturer that makes it, connect the as a Preferred Customer (it’s FREE!). Be sure here to stay, but do you think what online buyer and move product directly, bypassing to download ‘ShopBuddy®’. It will keep you shopping is today is where it's going to be in all the old ways of stocking, advertising, from missing a coupon code or cash back. the future? SHOP.COM™ has a better way, and transporting goods to the store, etc. ShopBuddy® will also notify you if you are we're already #1 at what we're doing which is There are three major shifts happening that shopping elsewhere online and SHOP.COM™ distribution and tracking referrals. SHOP.COM™/Market America is capitalizing has that same item for a better price. SHOP.COM™ is one of the largest online on: shopping sites in the world, though most 1. Store model is failing and evolving into Contact me if you’d like to learn more about people haven't heard of us yet. We offer virtual distribution while online spending is SHOP.COM™ or if you’re interested in having customers a better shopping EXPERIENCE, at an all-time high. a conversation to explore the Unfranchised and we offer them savings by finding the best 2. Mass marketing is being replaced by one- Business System. prices and earnings through our cash back to-one MOBILE marketing. program. 3. Moving away from employee mindset to entrepreneur mindset. SHOP LOCAL But what about local business? Market IT'S LATER THAN YOU THINK... America is helping local businesses by I hand-select new business partners, looking driving traffic into their establishments as for commitment and lifetime value as our well as allowing smaller retailers to compete individual efforts will combine to benefit all online right alongside major retailers. Our partners. When meeting with prospective customers want cash back on as many of business partners, I ask people some tough their household purchases as possible. Even questions: Are you where you thought you'd with more and more households shopping be at this point in your life? I ask people: Are online, people still go to local restaurants, gas you someone with a lot of stress and pressure Karen Novak stations, grocery stores. And they still want from the responsibilities of your successful Independent Unfranchised Owner to support local businesses. Now local busi- position? Are you feeling increasingly SHOP.COM/Market America nesses can benefit through our SHOP Local unsettled about your future? Do you get to do 724-882-0800 program (www.ShopLocal.SHOP.com), and the things you really want to do? What about [email protected] customers can get cash back on purchases a lifestyle where you are more present in your www.SHOP.COM/everforward made at participating local businesses. family’s life? www.maWebCenters.com www.isotonix.com/everforward PRODUCT BROKERAGE CONCEPT I know...why look at the problem, REALLY look www.MotivesCosmetics.com/everforward Market America started as a product- at it and have the courage to be honest with www.ShopLocal.SHOP.com brokerage company and is still today very yourself, if there isn't a way out. www.global.SHOP.com/everforward

38 GOAL: A Publication of Go2Goal, LLC | Fall 2017 It’s Back to School Time… …and that goes for everyone!

The night air is turning crisp. – business owners and High school stadiums across their employees must be Westmoreland County are aglow dedicated to lifelong learn- each Friday night lighting the ing. The continued success way for touchdowns and march- of our business community ing bands. Plus, the morning depends upon being able commute is a few minutes lon- to employ workers with the ger while we wait for the kids skills necessary to drive to board the buses. That can today’s increasingly com- mean only one thing. It’s back to plex business environment. school time. It also depends on affording those who possess an entre- Every September it’s the same preneurial spirit with the routine. Kids fill the office sup- technical know how to put ply store stocking up on note- their ideas into action. books, pens and the other neces- sary tools for learning. Then it’s a better job of matching the skills of our So whether you go back to off to shop for the latest sneakers and workers to the jobs that exist. If not, our school to learn a trade, finish a degree, hottest fashions. But school isn’t just for people and our region risk of being left pursue a graduate degree, or simply the kids – at least it shouldn’t be. behind. commit to attending a few professional development seminars, remember that Today’s business environment presents Westmoreland County is fortunate to education is the key to our collective its share of challenges. The dynamic have a number of adult education cen- success. To learn more about schools nature of today’s economy depends on a ters geared toward helping you keep in our area offering adult education more nimble workforce that understands up with the changing business environ- programs, visit the Chamber’s website technology and its role in growing a ment. From the outstanding programs (www.westmorelandchamber.com) or business. Business practices are being at Westmoreland County Community talk with one of our many members who refined and sharpened quarter by quarter College and numerous four year make education their business. and day by day. For some, it can be very schools to trade and technical schools, difficult to keep pace. The skills that Westmoreland County is well positioned Happy learning! once made you cutting edge may now to meet the challenge of workforce have you feeling like a dinosaur. development head on. But like any journey it begins with taking the first At the Westmoreland County Chamber step. And that step begins with you. It office we hear time and again that mem- also requires that we guide our kids into ber businesses struggle to find workers realistic career pathways. And that path with the skills necessary to meet current may look very different for different Chad Amond business demands. Let’s face it; a four people. President & CEO year degree in art history doesn’t do Westmoreland County Chamber you much good if all of the job open- To compete with other parts of of Commerce ings are for welders. At a time when the Southwestern Pennsylvania – the rest economy is already stressed, we must do of our nation and the rest of the world

www.go2goalus.com 39 9 FOR 9 The Quecreek Miracle By Jerry Ferraro

As Mark Popernack broke the surface of the Pa where blue collar jobs are celebrated and on the surface. The Dormel Dairy Farm was earth, his return marked the completion of a a tradition. The two teams of nine miners calculated to be above the highest portion true miracle. Nine lives had been saved by the split once in the mine and began to work at of the mine where experts expected the collective efforts of local, state, and federal separate locations in the Quecreek mine. Due remaining miners to congregate. Bill Arnold, resources. More specifically, Somerset County, to unforeseen circumstances, a neighboring owner of the farm, was at first startled to find the Commonwealth of Pennsylvania and the dormant mine had its wall breached by one men on his property only to join them on United States of America were committed to of the teams. Fifty to sixty million gallons the rescue operations. Crews drilled a 6-inch spend any amount of its resources to save of water began to gush at 70mph in from air hole some 240 feet into the mine and the lives of nine hard working coal miners the abandoned Saxman Mine flooding the ascertained that there indeed were survivors. A from a rural Pennsylvania community. Less Quecreek Mine. The team that had breached shaft would need to be bored large enough to than 10 months and 15 miles from the Flight the wall radioed for the second team to evacu- drop a rescue capsule to the survivors and lift 93 crash site where a similar ate the mine immediately. them to safety. Freezing water temperatures, struggle to preserve lives took Heeding the warning, they rising flood levels, and breathable oxygen place, the Miracle at Quecreek began their escape journey supplies were all working against the opera- Mine galvanized a nation and which included a 1.5 mile trek tion. Forcing air down the air hole to provide drew attention on a global scale wading through water neck oxygen and stem the tide of the rushing water that had not been equaled since high and using a ventilation would mean cutting communication with the tragic terrorist attacks on shaft as their last ditch the survivors. The rescue team also began to September 11th, 2001. attempt to survive. Walking pump large volumes of water out of the mine out of the mine entrance, one in an attempt to stop the rising levels. On Wednesday, July 24, 2002, team had been able to fight eighteen miners went to work for their own survival; the By the evening of the second day, to complete their 3-11 pm shift. second would need help from Pennsylvania Governor Mark Schweiker had Ordinary men from a proud above, way above. reached the scene and was placing the assets county just east of Pittsburgh, Rescue efforts had begun of the Commonwealth at the disposal of the

40 GOAL: A Publication of Go2Goal, LLC | Fall 2017 rescue team. Local, national, and international John Phillippi ascended community, who followed media had descended on the small com- at 1:55 a.m. The world the events in newspapers, munity as the human interest story had lead was slowly exhaling as a Bill sees himself as the news broadcasts from Pittsburgh to Tokyo. single loss of life at this “caretaker of this page of GOAL’s own former news anchor Wendy Bell point would have been history”. He states that the had answered the call and headed to the site unacceptable and tragic. building was never built to cover what would be a life altering news At 2:10 a.m. Ron Hileman to attract visitors but to story for her. was greeted on the educate and inspire those surface by bright lights who were already naturally On the third day, the 30 inch drill bit broke and a cheering crowd. drawn to the site. With over halting operations and blocking the rescue Dennis J. Hall ended his 100 coach bus tours in shaft from further attempts. After a second journey at 2:20 a.m. Men were being saved 2017 and the 2018 schedule filling up, visitors drill bit arrived from West Virginia, a second every 10 to 15 minutes. Regardless of the time can’t get enough of the monument for life. shaft was started, setting the operation back zone you lived in, you didn’t go to bed. At 2:30 He realizes that 30% of what the museum hours. The U.S. Navy arrived with a hyperbaric a.m. Robert Pugh Jr raised the tally to eight does is educate the youth on mining, and chamber to prevent the miners from experi- out of nine miners retrieved from the grasp the rest tells the story with an inspirational encing the bends. In record time, the broken of death. At 2:40 a.m. on Sunday July 28, 2002 message. “It reminds us of our civil values bit was fished from the original shaft and the Lord delivered Mark Popernack back to the while highlighting a time post 9/11 when drilling resumed recouping lost time. hands of those who love him and reminded us Americans came together to help their fellow all that God is still in the miracle business. man with great success”. Speaking at the 1st By day four, Saturday, July 27th, the annual clay shoot benefit at Seven Springs, Fifteen years have passed since the divine Bill Arnold and former news anchor Wendy mine ceiling had been breached, and a rescue of 9 brothers, fathers, uncles, and Bell (Positivelywendybell.com) spoke of the telephone was lowered into the shaft in husbands. Fifteen years of living that was not importance of the message that resonated hopes of finding that the miners were promised, guaranteed or even anticipated by from the earth and the heavens that fateful the souls trapped underground. Bill Arnold, day in July 2002. still alive. Rescue workers followed by the owner of the Dormel Dairy Farm where Governor Schweiker confirmed to the the rescue took place, is now tasked with the Jerry Ferraro is the contributing history preservation of the story. As Executive Director consultant for GOAL magazine. He teaches family, media, and then the world that of The Quecreek Mine Rescue Foundation, Bill history at Greater Latrobe High School and “All nine are alive”. now works diligently to preserve the memory has over 20 years of classroom experience. He of the miracle and assist in not only writing travels throughout Europe and the U.S. for both On Sunday, July 28, 2002 the yellow cylinder its history but in helping future mine disaster professional and personal development. He rescue capsule, so rare it was trucked in to rescue operations succeed. Raising a building lives with his wife and daughter near Latrobe, avoid a possible plane crash losing it, was that interprets PA. Additional information can be found at lowered into the shaft. It was time to bring the story with www.9for9.org the men home. At 1:00 am Randy Fogle was the help of the first pulled from the mine. The scene was the Amish euphoric with applause and energy as our greatest prayers had been answered. At 1:15 a.m. Henry “Blaine” Mayhugh arrived on the surface as a second birth into this world followed by Thomas Foy at 1:30 and John Unger at 1:40 a.m.

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www.go2goalus.com 41 By Bryan Kisiel, CPA Planning for Succession CEO, Kisiel & Associates Director of Tax Planning, of a Business Interest SecondHalf Coach Wealth Management

Business succession planning — interest until the occurrence of an event Price and sale terms are prearranged what is it? specified in the agreement, such as your A major function of the buy-sell agreement is One of the important decisions a business death, disability, or retirement. A buy-sell the establishment of the pricing mechanism owner must face is when and how to step agreement can help you solve the problems for the sale of the business interest. The pay- out of the business — in other words, busi- inherent in attempting to sell a closely held ment method is typically also determined ness succession planning. Do you expect to business. When you structure your agree- at the time the agreement is drafted. The retire from your business? Do you have a ment, you can tailor it to your needs. major sale negotiation is conducted at a plan in place? What would happen to your time when there is no pressure to sell. This business if you were to die today? Do you With a buy-sell agreement, you choose the eliminates the need for a fire sale when you have children you hope to bring into the events requiring a sale retire, become ill, or die; and it may result in business? These are questions only you can When you draft your buy-sell agreement, greater overall fairness in the deal. answer, and your answers will lead you and you establish the triggering events, mean- your financial and legal advisors to a course ing those events under which the sale can A buy-sell agreement can interfere with other of action. When you develop a succession or must happen. Common triggering events estate planning plan for your business you have two basic include death, disability, or retirement. Other Once you are bound under a buy-sell agree- choices: you can sell your business, or you events like divorce or bankruptcy can also be ment, you can't sell or give your business to can give it away. Once you choose to either included as triggering events under a buy- anyone except the buyer named in the agree- sell or gift, you can structure your plan to sell agreement. ment without the buyer's consent. This could go into effect during your lifetime or at your restrict your ability to reduce the size of your death. A buy-sell agreement provides a ready buyer estate through lifetime gifts of your business for your interest interest, unless you carefully consider and Transferring your business interest At the occurrence of the triggering event, the coordinate your estate planning goals with buyer is obligated to buy your interest from the terms of your buy-sell agreement. with a buy-sell agreement you or your estate. The buyer can be a per- You can transfer your business interest with son, a group (such as co-owners), the busi- a buy-sell agreement, a legal contract that Sell your business interest ness itself, or a combination. You (or your prearranges the sale of your business inter- The major benefits when you sell your busi- family or estate) are spared the task of trying est. It allows you to keep control of your ness interest are control and cash: you keep to find a buyer when you are ready to sell. control of your interest or business assets

42 GOAL: A Publication of Go2Goal, LLC | Fall 2017 until you are ready to let go, and you decide Transfer your business interest Will provisions can authorize the continuation how much or how little you want to sell. through lifetime gifts of your business You can transfer your business interest A will provision can direct the executor of Selling allows you to receive cash (or convert- through lifetime gifts by doing just that — your estate to continue your business for ible assets) and choose the timing making gifts during your lifetime. You can a specified period of time or purpose, thus When you sell your business interest or choose to make smaller gifts of portions of granting permission to carry out activities assets, you receive cash (or assets you your business interest over a period of time that otherwise may not be allowed. If the can convert to cash) that can be used to or make a gift in total at your retirement. business is continued, the executor may be maintain your lifestyle or pay your estate Lifetime gifting reduces the value of your held personally liable for losses of the busi- expenses. You can choose when you want estate and could lower your estate taxes ness. Caution should be taken by authorizing to sell — now, at your retirement, at your A lifetime gifting program removes the value the executor to incorporate the business, death, or at some point in-between. You of the business from your estate as you which may limit liability to the activities of can sell your interest during your lifetime, make gifts to the recipient. The benefit to the continued business. After your death, the and receive cash to use for your retirement, you is a reduction in the value of your total business can be maintained until your family a new business venture, or that trip around estate, thus the possibility of lower estate can take control and continued income from the world you've been putting off. When taxes at your death. Not only do you remove your business can be provided to your family done at your death, an asset sale can pro- the value of the gift itself from your estate, and heirs. vide cash for your estate to use in paying but you also remove the future appreciation your final expenses or for distribution to on the gift and taxes that would be associ- With a living trust, you can see your continua- your beneficiaries. ated with the gain. tion plan in action A living trust would allow you to make a A limited market means a sale could Lifetime gifting allows you to take advantage revocable transfer of your business inter- be difficult of the annual gift tax exclusion, which may est, providing you with the opportunity to There is often no market for the sale of a help you reduce total gift and estate taxes see your continuation plan in action while closely held business, which could make You could make gifts of unrestricted stock you are alive. You can see your successor finding a buyer for your interest difficult. over a period of time by arranging the gift- management operating the business while Some assets, such as equipment, may have ing program to maximize the annual gift tax you are afforded continued control and a specialized use or a short time frame of exclusion, which allows you to gift up to a input. This gives you the chance to be com- technological usefulness. If your business certain amount per donee, per year ($14,000 pletely satisfied with your decision before it is a service business, it may be hard to find in 2016 and 2017) without incurring federal becomes irrevocable at your death. a buyer for intangible assets such as your gift tax (although you may have to pay state customer list. The level of competition in gift tax). The benefit to you is a tax-free, sys- A living trust can provide income to you or your geographic area or business field could tematic reduction in the size of your estate. your heirs also affect your ability to find a buyer. When When you make gifts of portions of your Depending upon the structure of your living the sale occurs after your death, your family stock, you ultimately pay less total gift tax trust, you may receive an income from the or estate may be at a distinct disadvantage than if you made one large gift, thanks to trust during your retirement until your death. when negotiating with a potential buyer. the valuation discount. At your death, the business may provide The interested buyer can be expected to try income to your family or heirs or the busi- to take advantage of your family's need for Lifetime gifting requires you to give up part or ness can be maintained until your family or cash to settle your estate expenses and offer all of your business heirs can take over. a price that is below a fair market value. A As you make gifts of your business interest, buy-sell agreement might be the solution you might also be giving up some of your Use of a trust can be efficient and private to prevent this from happening, because it ownership control over the business, while When you establish a living trust, it requires guarantees a buyer for your interest. the recipient of the gift gains control. If you you to organize your property during your have co-owners, your relative percentage of lifetime. In doing so, your assets are trans- Size of business interest, estate could make control will diminish. If you are the majority ferred at death in an orderly fashion as sale difficult stockholder, it might take a long time before you intended and not at the discretion of The larger the size of your business inter- you are in a position of significantly less the court. The use of a trust will be less est, the more difficult it may be to find a control. If you hold equal ownership with expensive overall, because your assets pass buyer with access to sufficient cash or credit co-owners, it may not take long before you from the trust directly to the people you on short notice. In addition, the larger the become a minority shareholder. designate to receive them, avoiding the size of your business relative to your entire costly probate court process. This would be estate, the greater the need for cash to set- Transfer your business interest at considered a private transaction, keeping the tle your estate expenses. Again, transferring transfer free of any publicity. your business interest with a buy-sell agree- death through your will or trust If you wish to keep control of your business ment might help you to solve these poten- Choosing the right type of until your death and transfer your interest tial problems. Smaller business interests are to someone at that time, you could transfer succession plan not without their own problems. Buyers may your business interest at death through your The various succession strategies can be be reluctant to purchase a minority interest will or trust. This method of business suc- used to achieve specific goals for your busi- because such an interest doesn't carry with cession can be effective when the intended ness interest. Depending upon your particu- it the ability to control the business. receiver of your bequest is currently active lar situation, one or more of these tools may in your business and would be able to carry be appropriate for you. on the business activities.

www.go2goalus.com 43 How much did you say it The Hammer Reports from ICC the Builder would cost? By Inselmini Construction Company

ere’s the situation: you’ve When you’ve narrowed your selection finally decided that you process to 2 or 3 builders who then Hare ready to build a new compete to price your home, bear home. You’ve established a budget, in mind a few simple things. Levels consulted with a lending institution, of service are different from builder browsed the latest home designs to builder. Builder costs reflect this. and now you are ready to start We sometimes lose out on projects interviewing builders. If you’ve because Inselmini Construction Co. gone as far as consulting with an Inc. is not the cheapest game in town. Architectural Firm, they would be a This generally drives me crazy be- great resource for referrals. If not, cause the level of service we provide you’ll need to do some investigative is worth far more than the discrep- work to determine who to speak ancy between ourselves and another with. Despite being lumped to- builder. If you’re bidding apples-to- gether in a broad stereotype, build- apples, material costs are going to ers are like onions….they have many be fairly consistent. The difference layers. then boils down to the installation of those materials and the oversight. During your first meeting, be pre- Most people don’t realize that a stock pared to discuss your building lot set of blueprints (purchased on-line) location, blueprints (if you have are not applicable to every home site. them), whether or not utilities Sure, they’re enough to procure a are available on your lot, etc. The building permit, but many times have purpose of your first meeting is to to be adjusted to fit your needs or the establish rapport. For most people, lot requirements. And whose job is it the selection criteria for choosing a to do this??? The builder's job. builder comes down to a few basic principles; building expertise, per- I would have to say that custom- sonality and professional fees. Most ers who sign up for full service with people in our service area know that Inselmini Construction Co. Inc. are Inselmini Construction Co. Inc. is happy with their decision. In the a quality builder. We think we are long run, problems that are diverted fairly likable in terms of personal- are a lot less costly than problems ity, so that leaves just the last item, professional. Have you ever noticed flaws that are built into the home and professional fees. when you walk into new home construc- corrected later. Homes that are energy tion? Experienced builders plan ahead so efficient and constructed with quality ma- There seems to be a massive disconnect materials are ordered in sequence (your terials are far less expensive to maintain between what it costs to build versus what lumber is not sitting out in the rain), that than those that are not. So for anyone who people think it should cost. A house is a every window is perfectly placed, that doesn’t see the value of hiring a profes- huge investment. You wouldn’t go to a joints fit tightly (and are waterproof), that sional, ask to see some product. “Kick the dentist to repair your car, nor would you mitered corners are truly mitered and con- tires” so to speak. I’ll stack an Inselmini go to the dollar store to buy fine furniture. crete floors are perfectly smooth and level. built house up against any other. We are The old adage “you get what you pay for” These things take skill to execute and skill professionals. has never been truer than when you hire a costs money.

44 GOAL: A Publication of Go2Goal, LLC | Fall 2017

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As of August 30th, 2017 Westmoreland County alone has had 135 confirmed and probable/pending overdose deaths. Don’t be the next one to be lost to someone or feel the loss of someone else. We are at WAR: Join us in the battle against addiction Please join us for this FREE Event to help spread awareness of the Current Drug Epidemic sweeping our nation St. Vincent College on Wednesday November 8th at 6 p.m. This event isn’t about the obvious---we have a drug problem. This event is about bringing an impressive group of people to a stage where they can speak from different perspectives of the issue---something more likely to be beneficial to the audience. Topics will include how addicts get started, where can they find help, the drain on country resources, the effect the drain on resources is having on other programs. You can learn signs to detect someone may be using or at risk. You can learn what to do in a situation where someone is overdosing. You can learn how to identify the drugs in their obscure packaging. This will not just make you aware but will also prepare you for potentially helping someone before it’s too late.

Wendy Bell, Blogger and Journalist, will serve as Dr. Eric Kocian – Assistant Professor at St. Vincent Michelle Schwartzmier – A mother speaking on the Moderator College discussing his study to help determine the tragic loss of her daughter Casey. Her daugh- the roots of addiction and to identify paths to ter’s open and honest obituary went viral on Our Panelists and Speakers include: earlier intervention Social Media and her daughter’s photo appeared on People Magazine’s front cover as “Faces of Anthony Bompiani - Judge, Westmoreland County Dr. John Lewis – Professor at Indiana University Addiction” Magisterial District Court of Pennsylvania discussing his studies about underage drinking and drug addiction Jimmy Woods – A recovering addict who opened Carmen Capozzi - CEO of Sage’s Army a 501(c)(3) Mission Mahi Food Truck along with other men non-profit drug awareness/prevention organiza- Tony Marcocci – Detective, Westmoreland County and women on a mission from God to give hope tion created in honor of his son Sage Capozzi , to those affected by addiction who lost his life to addiction Mikayla Musgrove – Spokesperson for Hope in a Bag/Operation Recovery, a volunteer organization Gina Cerilli - Westmoreland County Commissioner that helps bring a glimmer of hope and love to Lead Sponsor: those in need Dawn Hennesey - Executive Director of Faith Forward and Founder of Angel Arms Infant Re- Tim Phillips – Executive Director of Westmore- covery that cares for babies born with an opiate land County’s Drug Overdose Task Force addiction Please Register on our website www.go2goalus.com by October 27th MAGAZINE

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SAVE THE DATE! A GOAL Magazine Event 3RD ANNUAL GOLF OUTING PLUS Paint-n-Sip! WHEN: FRIDAY MAY 4TH, 2018 WHERE: LIGONIER COUNTRY CLUB

Please join us for the GOAL Magazine Golf Outing to benefit the Greater Latrobe Partners in Education Foundation on May 4th, 2018 with net-proceeds to be granted to the Autistic Support, Learning Support and Life Skills Classrooms of the Greater Latrobe School District. The event will include a 2 person scramble, boxed lunch, awards reception, and dinner at Ligonier Country Club. If you aren’t a golfer and want to support Thank you for your support of the cause, we added a Paint and Sip portion for this year’s event! The Greater Latrobe Partners in Follow a skilled instructor while you paint your own artwork and enjoy a glass of wine if you wish! Education Foundation!