Inside this Issue:

Inside this Issue:Advice from the experts.........................................Pages 2, 4 & 5Modern yet fun decor for kids...........................................Page 7How to improve your home office ...................................Page 12Preventing dangerous falls at home................................Page 15

HOUSE & HOME - TUESDAY, February 10, 2009 - 2Nationally, the real estate newscontinues to be all gloom and doom.Sales of new homes are down, sales ofexisting homes are down, mediansales prices are down, the number ofpending sales is down.Mortgage interest rates are alsodown, which is positive news, but thesting in the tail is that as the interestrate goes down, so lenders’ qualifyingstandards for borrowers go up; wewill have more to say about that laterin this article.Against that gloomy background, itis encouraging to note that in ClintonCounty 15 residential properties wentunder contract in January of this year.The aggregate asking price of theseproperties is $1.97 million.This is a healthy number in what isgenerally considered to be the “offseason” for real estate sales.Once the properties have closedand the actual sales prices are knownwe will have an interesting indicationof the direction of our market.These offers, of course, are subjectto financing approval, so we have tohope for cooperative lenders, but if allthese pending sales make it to theclosing table we will have made apretty decent start to the year.It seems like every month wereport facts in this column about ourlocal market which seem to be at variancewith what we all read aboutnationally.This is because the national trendsHOUSE & HOMELocal real estate looking goodrely heavily on what is happening insome major markets which experiencedhuge price inflation and wherelenders are exposed to massive losseson some of their less than wise loans.Our county never saw that kind ofprice inflation — homes in our arearepresent excellent value for money— and we did not have the kind ofpopulation which was the target forthe irresponsible lending which createdthe sub-prime mortgage catastrophe.We have said many times beforethat all real estate is local. If our localeconomy continues to provide the necessaryelements for a healthy realestate market, we should be able toweather the storm.These elements are stable employmentlevels, a supply of new construction,and lenders with the confidenceto lend.Of course, we cannot guaranteethat the apparent reluctance of banksto lend won’t trickle down to the locallevel.At one time banks were giving outmoney by the bucketful; now theyseem to be using a tin cup.So it is important, if you are lookingto buy a house, to make yourselfas attractive to a lender as you can.Cash reserves are always a goodsign, along with a manageable amountof other types of consumer credit,such as credit cards and car loans.Your lender needs to feel confidentthat you could take on a home loanwithout stretching your financialresources too far.One piece of potential good newsfor borrowers is that there have beenrecent changes to the method of calculatingFICO scores. FICO is an abbreviationof Fair, Isaac Corporation,which is the company that devised thestatistical basis on which credit scoresare arrived at.Under the new method, occasionallate payments are not penalized asmuch as they were before.We are, of course, all waiting tosee what actions the federal governmentmay take to help stimulate thereal estate market.Banks can now borrow money fromthe Federal Reserve at almost nointerest, and that should help bringdown the interest rate on home loans.First time home buyers can receivea tax credit of up to $7,500 in theyear in which they purchase a home.Further measures are apparentlyalso being worked on by the TreasuryDepartment, and hopefully they willbe announced soon, so that they don’thave the opposite of the intendedeffect — i.e. the market will freeze upwhile people wait to make sure theyare not missing out on a break ofsome kind.We’re excited to have been amongthe first of the people to sign up forsponsorship of a Hometown Heroesbanner this year.We took part in the dedication ceremonylast year — handing out programsand tissues in almost equalmeasure — and were blown away bythe intensity of the emotion and civicpride that was on display that day.It is a truly remarkable idea, and acredit to our community, and we areproud to be a small part of it.— — —This article was prepared as anongong tribute to the late Deb Shireyby her colleagues at the Lock Havenoffice of Kissinger, Bigatel andBrower, Realtors. For more informationon any of the topics mentioned,please call the KBB office at 748-8067.PICK UP YOUR COPY OF THE 2009 PLAN BOOKFEATURING THESE NEW HOME DESIGNS.Buyers seminaris huge successThe “SEDONA” $124,200*• 3 bedrooms, 2 1/2 baths• First floor laundry room• Pantry & bedroom walk in closetThe “FENWICK” $158,700*• Island bar & pantry closet• Powder room & laundry room• Optional 3 car garageThe “ABINGTON” $180,400*• First floor owners bedroom• Open kitchen, dining, family room• Compartment bath for privacyThe “ASHLAND” $196,500*• Rear foyer entrance intoopen kitchen, dining & family room• 3 car garage* Basement Included, Lot & Site Development Additional©2009Brigandi Renninger Realtyhosted a very successful BuyersSeminar on Wednesday Feb 4.In all, six local banks wereavailable to answer questionsabout the mortgage industry.Karen Good, Leigh Youngand Steve DiPangrazio fromFirst National Bank have manyprograms to offer including aFirst Time Buyers Family HomeOwnership Program and FHA.Northwest was representedby Branch Manager Amy Longand Assistant Manager DianeSchoonover.Fixed 30-year in-house loansare offered by this lender withSee BUYERS, Page 4Cathi NollON REAL ESTATE

Clinton County’s Most EXPERIENCED REAL ESTATE AGENCYWith Over 130 Years Experience838 W. THIRD STREET- Nice 1/2 double, wellcared for, 3 bedroom, 1.5 bath. (55186) $60,00035 W. MAIN STREET- Lovely Victorian home with 3room apartment, 6 bedroom, 1.5 bath. (54692)$275,00057 STRAWBERRY LANE- Beautiful riverfrontage, very nice inside, 3 bedroom, 1bath. (55078) $129,900607 ROCKY ROAD- 2.13 acres, almostnew home in desirable location, 3 bedroom,2 bath. (54885) $175,000BrigandiRenningerRealty49 HICKORY DRIVE- Well maintainedranch home, 3 bedroom, 1 bath. (54772)$99,000LOT 35 EAGLETON- Camp on 4.88 acres, greatlocation, 2 bedroom. (54751) $65,000714 BELLEFONTE AVENUE- Well cared for 2story brick home, excellent location, 4 bedroom, 2bath. (53759) $116,0003 - HOUSE & HOME - TUESDAY, February 10, 2009220 N. Jay Street, Lock Haven, PA 17745570-893-422020 E. BROWN STREET- Great home with incomepotential, 3 bedroom, 1.5 bath. (55016) $140,000PRICE REDUCED!956 CENTER STREET- Wonderful lot, greatstarter home, fenced back yard, 2 bedroom, 1bath. (55079) $98,000Thomas BrigandiOwner893-4220NancyRenningerBroker, CVC, GRI, GA, RA,CCPS, ABR893-4220Bonnie BryertonCCPSPenny Showan295-0624114 W. HILLSIDE DRIVE- Secluded beautiful setting, 5bedroom, 1.5 bath. (54387) $119,90067 CATHERINE AVENUE- A MUST SEE! Greatlocation, 4 bedroom, 1.5 bath (55578) $139,500Cathi Noll726-3940Brandi Ley726-3006Doris Williams726-6167James Foster367-422068 MEADOWLARK LANE- Horse LoversDream! Over 11 acres, barn w/stalls & pasture.Newly remodeled, 4 bedroom, 2 full, 2 1/2 bath.(55602) $299,000250 EAGLEVILLE ROAD- Nicely decorated withmany updates on 1.07 acres, 3 bedroom. 1.5 bath.(55669) $145,000524 E. MAIN STREET- Great income producingstore. (54682) $275,000Dana Robinson295-5551Sharon Best748-5799Linn Barner786-9457Unlock your dreams with Brigandi Renninger Realty!Visit our Website: brigandirealestate.comSHIRK HOLLOW RD.- 4.97 acres, wooded land.(54448) $32,000SHIRK HOLLOW RD.- 6.5 acres, wooded land.(54449) $46,000RT. 664- 4 acres, wooded land. (54450) $56,000GRANT ST., BC- 6.22 acres cleared level ground.(54582) $73,500LOGANTON- 5.3 acres, nice building site close to I-80. (54886) $50,000Mary Piper660-1554LAND FOR SALE!SUMMER POINT- 2.1 acres, beautiful building sitewith river view. (54982) $65,000NITTANY VALLEY DR.- 2.025 acres, cleared,commercial ground. (55176) $95,000McELHATTAN- .57 acres, flat level lot. (55231)$16,500BLANCHARD- 1.3 level wooded lot on Bald EagleForest Road. (55339) $26,000CENTRE HALL- Bank owned property, 2bedroom, 1 bath. (55662) $39,900211 PENNA AVENUE- Commercial building withmany possibilities. (55593) $119,900SO. RENOVO- 48.3 acres, wooded ground,Pete’s Run Road. (51135) $49,900LOGANTON- 2.17 acres, wooded, nice lot forcamp or house. (55558) $21,900RIVER LOT, LH- 75 ft. of river frontage withmany extras. (5667) $125,000LOGANTON- 32 acres of level cleared primefarm land. (55683) $320,000

HOUSE & HOME - TUESDAY, February 10, 2009 - 4How to improveyour credit scoreOne of the most importantfactors in applying for a homemortgage or an auto loan is yourcredit score, consider this scoreas your shadow, it follows youwherever you go. There aresome things you can do toimprove your score.Don’t wait until you areready to apply for a loan. Getproactive now. Make sure yourcredit report is accurate. Errorscan hurt your current score.Remember what Mom andDad always told you. Pay yourbills on time.Have you ever been temptedto open a store credit and tosave an extra 15 percent on thepurchase of a sweater or a pairof jeans? This could prove costly.Don’t open credit lines thatyou probably won’t use again.If your credit history is shortof spectacular, don’t open severalnew accounts over a shortperiod of time.On the other hand, shouldyou close credit card accountsthat you no longer use?According to an article thatappeared in an issue ofKiplingers Newsletter: Cut thecards, but don’t close theaccount because it could hurtyour score.Barry Hoy a well-knowneducator in the field of realestate, said, “Closing oldaccounts also lowers the amountof credit available, and that canactually be a black mark onyour record.” When lendersdecide whether to extend credit,they look at how much of youravailable credit you’re actuallyusing.This is called your utilizationThomas F. BrigandiON REAL ESTATEratio. Let’s say you have fivecredit cards, each with a$10,000 limit, and your totalbalance is $6,000.This gives you a utilizationratio of 12 percent. This is notbad in the eyes of lenders. Butif you close four of theseaccounts, your utilization ratiosuddenly jumps to 60 percent.This is not good. Many expertssuggest that your utilizationratio should be below 25 percent.Remember that good credit isfragile. Late payments andmaxed out cards can put you inthe hole for a long time. Doeverything in your power toestablish a positive credit history.Your financial futuredepends on it.— — —Thomas F. Brigandi is theowner of Brigandi RenningerRealty in Lock Haven.HOUSE & HOMEAP PHOTOThis undated photo provided by Pottery Barn shows the Pearce Armchair upholsteredin pewter velvet.Home, sweet home: Decor gets cozyBy KIM COOKFor The Associated PressJane Austen wrote, “There isnothing like staying at home forreal comfort.” Some of us arenatural homebodies, but whenboth the weather and the economyturn frosty, we’re all headedindoors for some reassurance.Nancy Molitor, a clinicalpsychologist based inWilmette, Ill., says the home isfor many people an adult versionof a blankie or pacifier —a symbol of security andwarmth.And this new year will seeus seeking both.“The dynamics of cocooningare fairly simple,” saysMolitor. “I would expect to seemore emphasis on soothing,pleasurable products so peoplecan both stay home and feelmore warm, secure and contentat the same time.”If snuggling up seems like agood idea, here’s an array ofproducts designed to calm andcuddle.Garnet Hill offers somebeautiful throws, including afisherman’s cable knit, lusciousribbed cashmere, and a colorfulAfghan just like Mom used tomake. At Homegoods, faux furblankets are bestsellers at agreat price point.Whip up a batch of chocolatefondue or hot milk, andthrow another log on the fire.See DECOR, Page 7Buyers seminar is huge success, big helpContinued from Page 2creative options and competative rates.Another bank offering competativerates with 75 years combined experiencewas Sovereign Bank, represented byTami Smith and Jake Stewart.M&T Mortgage Specialist DebbieShellenberger has a First Time HomeBuyers Program called the “Get StartedMortgage.”This mortgage is attainable with aslittle as 1 percent down to own yourown home.Nancy Chavka, area specialist forUSDA Rural Development, offers 100percent financing with a low applicationfee for low to medium incomefamilies.In some cases subsized loans areavailable depending on income and debt.Jersey Shore State Bank offers twolocations for local mortgage lending —Lock Haven with Mortgage ConsultantGail Rice and Jersey Shore with KimWalker.Jersey Shore offers the best programto fit the buyer’s needs.The PHFA/RHS program offers 100percent financing with no mortgageinsurance required.A great big thanks to all buyers inattendance and a special thank you to allthe lenders who shared with us, theirvast knowledge of the current mortgageindustry.There really are some great programsavailable.Call Brigandi Renninger Realty at893-4220 for more information.— — —Cathi Noll is a realtor with BrigandiRenninger Realty and can be reachedat 660-6924.

Just as you would makeyour house “market ready”before listing it, the samething applies to your vacantland.Here are some tips thatmay be helpful to consider:Clearly mark your propertylines (if known) withorange survey ribbons andstakes.This is usually the numberone question buyers ask whenthey look at properties, especiallyland.Don’t guess if you trulydon’t know.Be sure to have a goodplot map available forprospective buyers.If you do not have a clearidea of your property lines,you may want to considerhaving it surveyed.This is helpful when tryingto attract potential buyers asit makes them feel confidentin the property they are buying.All easements and right ofways should be clearly disclosed.If listing your land with aRealtor, spell out your showinginstructions. If you do notwant anyone on the propertyHOUSE & HOMEPutting your vacant land on the marketLisa LinnON REAL ESTATEwithout the Realtor, make thatclear.If you want to keep peoplefrom entering the propertywhen they are dirving by, putup a chain or no trespassingsign.If the property is going tobe best suited for building,you may want to have a perctest done to be sure it is suitablefor some sort of septicsystem.Most likely a buyer willwant a satisfactory perc testas a condition on their offer.Vacant land that is alreadyperced is more attractive tobuyers.Also, it may save time inthe long run.Often times this test candelay closing depending onweather, sewage enforcementofficer and excavator schedulesand township permit processing.Check with your localtownship and/or county zoningfor any ordinances andzoning laws that affect yourproperty.Be sure that the property isbeing marketed for what thepermitted uses are to savelegal consequences later.If the property is subject todeed restrictions or covenants,be sure to have a copy ofthose available to potentialbuyers.Make sure that there iseasy access to the propertyfor showings especially afterbad weather. If you havegiven the Realtor permissionto show it at any time thenthey will need to be sure theycan access the property at anytime.If retaining your sub-surfaceand mineral rights, makesure that is clearly disclosedat the time the property isbeing marketed.If you have already leasedout your rights, you couldstill negotiate conveyance ofthem and/or a share of futureroyalties with a potentialbuyer.If you are not sure that youown your sub-surface rights,you may want to contact yourattorney before putting it onthe market.They can do a deed searchto determine if the rights havebeen retained by a previousowner.Make the property asattractive as possible by keepingthe brush cut, grassmowed and clear out alldebris and junk.Whether you are selling asmall lot or large tract ofland, some preparation beforeputting it on the market willensure a smooth sale andmake buyers feel confident.— — —Lisa Linn is a real estateagent with Davis Real Estatein Lock Haven. She can bereached at 748-8550, ext.223.5 - HOUSE & HOME - TUESDAY, February 10, 2009814-234-4032 • 570-748-6461www.sanderswindowfashsions.comAll major credit cards accepted.Free Estimates and Installation

Visit us at 25 W. Main Street, Lock HavenHOUSE & HOME - TUESDAY, February 10, 2009 - 6Start with ours!www.PrudentialHodrickRealty.comLooking for a new address?RecreationalNewly Listed - and just what you’ve beensearching for! This well maintained 4 bedroom issituated on a .69 acre lot surrounded by nature!Fully applianced kitchen, wood burning fireplaceand lots of privacy! Asking only $75,000.# PRU3J5X3Not a Misprint! - You really can own this 2 bedroomat this low of a price! It’s a great starterhome or can be perfect as an investment rentalproperty....especially at this price!!! With 1 cargarage and asking only $44,900! HURRY!# PRU5U4V8Have a Large Family? - If so, this is the perfectone for you! 4 bedrooms, 1 1/2 baths, livingroom fireplace, 1st floor family room, formal diningroom and a workshop, too. Newer furnace,too! Offered at $142,500.# PRU3T7D8Unique Opportunity - If you’re a car enthusiast,like having a workshop, need to house yourboat? If this sounds like you, call to view this 2bedroom with 3 car garage. In excellent conditionwith enclosed porch & nice yard. $92,500.# PRU9C3X5# PRU2A9X4# PRU3N5Z8# PRU7L2N6Beautiful - Lovely 4 bedroom, 2 full and 2 halfbath with gorgeous Cherry kitchen, great room,Florida room with hot tub, formal dining room, 1stfloor family room, gas fireplace and all the‘extras’. 2 car garage, too! $258,900.Start Packing! - This home offers 4 bedrooms, 11/2 baths, dining room, gas fireplace, 1st floorlaundry, new carpeting, replacement windows,fresh paint and a large double lot with off-streetparking all for only $78,500! Just reduced!A ‘Must See’ Property - You’ve got to see it toappreciate it! 3 bedrooms, 2 baths, large lowerlevel family room with gas fireplace, den or homeoffice, 1 car garage and a great price, too.Asking $129,900 with offers encouraged!Completely Remodeled! - There’s nothing to dobut move in! Call now to view this 3 bedroom, 11/2 bath with 3 season room, dining room, livingroom fireplace and 1/2+ acre lot with great countrysideviews. Now reduced to only $118,500!# PRU2A7N8# PRU2G8Y7VirtualTour# PRU3C8G9# PRU5J6R3Need More Space? - This house offers over5,000 sq.ft., 5 bedrooms, 3 full and 2 half baths,formal dining room, 4 fireplaces, family room,den, hobby room, 2 car attached garage andbarn, too! Lots of space for $239,900.Live In One, Rent the Others - and you’ll livepractically mortgage free! 2 parcels offeringhouse with 2 units and a separate remodeled 1bedroom mobile home. Great investment propertyoffered at only $69,900. Call today!A Grand Estate - offering 7,700 sq.ft. of livingspace with multiple suites, granite floors, 2 gourmetfully applianced kitchens, family room, den,balconies, in-ground gated pool, views and more.Now $900,000 with owners wanting offers!Lots of New Features - Come on home to aneasy living 2 bedroom filled with new features,including new roof, new vinyl siding, new windowsand electrical upgrades. Dining room,Family room and 1 car garage, too. $89,500.FOR SALEFor full details or to schedule a private showing on these or anyother property, please contact any of our agents listed below:Hodrick Realty570-748-9572Anggi Hoy660-6905Joan Katz337-0635Kathy Probst772-4562Leslie Eiffert971-1179Lori Haines660-9285Or visit PrudentialHodrickRealty.com, enter PRU #’and get instant information online!Corrine Beirly660-5774

AP PHOTOThis undated photo provided by Pottery Barn shows theLuxe Faux Fur Beanbag.Home, sweet home:Decor gets cozyContinued from Page 4No fireplace? Then consider Burley’s electric fire, a free-standingappliance that offers either flames, heat or both, all from a simpleand energy-efficient electrical connection. There’s even amodel that lets you mount and retract a plasma TV.Pottery Barn has a faux fur beanbag chair that beckons, assumingyou can keep the cat from settling in. Plush pile pillows providewarm support for the sofa; they’re the color of a frothy mugof eggnog. And a colorful collection of wool Pendleton blanketsgives off a great cabin-y vibe.If some midwinter redecorating were in order, the Pearce chair,upholstered in sumptuous velvet, would be a good choice; velvetwears well, and its softness is inviting.Rare Device carries — from the ultimate cozy designer, AlyssaEttinger — knitwear-patterned bowls and little cups perfect forcandles or hot drinks. When the cold winds blow, even the dishescan dress in warm mittens.— — —Sourcebook:www.raredevice.com - Alyssa Ettinger’s knitwear-patternedceramics, $50-65www.homegoods.com - faux fur throws, $24.99-40; chocolatefondue set, $9.99www.garnethill.com - fisherman’s cable knit throw, $148;ribbed cashmere throw, $268; Haverhill Afghan blanket, $328www.potterybarn.com - Pearce velvet armchair, $999-1,399;low pile cream fur pillow covers, $19-29; faux fur beanbag, $249www.burleyfires.com - Electric fires, various configurations,$7,500-9,500HOUSE & HOMEModern kids furnishingsput the fun in functionalBy KIM COOKFor The Associated PressDesigners of kids’ furnitureare letting their imaginationsrun away with them, and that’sgreat news for hip parentslooking for fun, exuberantdecor.The color wheel is spinninghappily amidst bookcases andbedding. And many designersare taking a whimsical, artisticapproach with the very shapeof furniture.Judson Beaumont, ownerand head designer forVancouver, B.C.,’s StraightLine Designs, has concocted aworld of Alice-in-Wonderlandesquepieces that straddlecraftsmanship and inventiveness.Bookcases stack haphazardly,like a giant tossed them intothe air. Cabinets with nameslike “Oops” and “Boom”appear to have had run-ins withthings wild and wonderful.Others, like Joined at the Hipsand Sobey, bend and twist, yethave perfectly aligned drawers.The effect is fanciful, butthe furniture is practical andwell-crafted.“The idea behind the piecesis more about, what if a pieceof furniture could change andhave its own personality?” saysBeaumont. “I’ve always been afan of Disney and Dr. Seuss, soit just made sense to makethese crazy shapes. But themost important thing with mydesigns is they have to be functionalas well as fun.”Dust Furniture inValparaiso, Ind., is another studioexperimenting with shapes.A deep blue side table and limegreen bookcase may slouchsaucily, but they’re still seriousworking furniture.Jessie Leman, Dust’s projectmanager and wife of designerVincent Leman, says the piecesare intended not just for youngpeople but “for youthful spirits,no matter their age. Our furnitureis definitely for anyonewith a playful imagination.”Plushpod, long a retailer oftrendy kids’ furnishings, carriesthe iconic P’kolino line fromItaly, featuring a kid-sizeclothes rack in happy hues likeAP PHOTOThis undated photo provided by Straight Line Designsshows the Boom Cabinet.tangerine and lime, and a collectionof pint-size laminatedplay tables and chairs. TheirTarantino layered high-densityfoam chairs would withstandthe most high-spirited of playdates.This spring, Pottery BarnKids partnered with the Dr.Seuss Foundation on a line ofdecals, organic cotton bedding,and soft furnishings featuringSeuss’ most popular characters,such as The Cat in The Hat andthe One Fish, Two Fish gang.Janet Hayes, executive vicepresident for the retailer in SanFrancisco, says the collaborationaims “to excite anddelight” children while inspiringparents to get creative.There was another, practicalconsideration.“One of the most popularrequests we receive from ourcustomers is for patterns thatgo into a shared space,” notesHays. The colors and images inDr. Seuss’ illustrations suitboth girls and boys.Pair any of the collection’spieces with a stacked teacuplamp for a room that gives offa definite “Seussian” vibe. Oropt, perhaps, for the multishadedcluster ceiling fixturethat asks: Why have one ofanything, when a whole bunchis way more fun?Other inventive light fixturescan be found at Lamps Plus,including a plump, gleamingProp Plane in brushed nickeland frosted glass, and a Planetand Stars pendant which projectscolorful outer space imageson the ceiling.See MODERN, Page 10- HOUSE & HOME - TUESDAY, February 10, 2009

HOUSE & HOME - TUESDAY, February 10, 2009 - 8Email: pattyd@davisrealestateinc.com121 W. Church St. , Lock HavenPhone (570) 748-8550FAX: (570) 748-6401107 S. Spring St., BellefontePhone (814) 355-3400FAX: (814) 355-5608Buyer’s Tool Kit for Purchasing in Today’s MarketFebruary 26- 7 to 8 pm121 W. Church Street, Lock HavenTake advantage of Patty Davis’s Years of Experience in the RealEstate Market to Learn Steps to Buying a Home.GREAT COUNTRYSETTING!RENT OROWN!LARGEHOME!SPACE!Totally remodeled farm house on 1 acre. 4 bedroom, 1 1/2bath, formal dining, brick fireplace in kitchen. MLS #R54949$101,000Move right in to this 3 BR home with a large yard inWoodland Heights! MLS #R51361 $129,900Bring your family and friends and enjoy spending time inthe mountains! There is plenty of room in this 5 bedroomsituated on 1.93 acres. MLS #R55476 $159,0006 BR single home, was a two-unit. One side mirrors theother and could be turned into 2 unit rental MLS #R55071$87,900LIKE NEW!BALD EAGLEFOREST!POSSIBILITIES!RETREAT!This 3 bedroom offers new paint and carpet and is readyfor a new owner, it won’t last long. MLS #R55217 $103,90036 acres-borders state forest lands. MLS #L55237$155,000Large secluded home on a half acre in Dunnstown. Takea look, you will be surprised. MLS #R55352 $174,900New single wide with a 2 tiered loft area. Great views.Development borders state game lands. MLS #K55349$99,500IT WON’TLAST LONG!CUTE ANDCOZY!BEAUTIFUL!SUNSETPINES!Nice home close to schools and shopping offering a 3bedroom, a large family room and a garage. MLS #R55534$69,9003 BR, 2 bath home on .26 acre. Enjoy the hot tub on thelarge deck and beautifully landscaped yard and aworkshop. MLS #R55567 $99,9003 BR, 1.5 bath home in Jersey Shore. MLS #R55645$127,0003 BR, 2 /2 BA tudor with a family room, finished basement,deck and a 3 car garage. Motivated seller! MLS #R51475$205,000BRAND NEW!SPACIOUS!REDUCED!UNIQUE!3 BR, 2 1/2 custom built home in Oak Grove Estates. Bethe first to own this beauty! MLS #R52949 $259,9003 BR, 2 1/2 bath with open floor plan, 2 fireplaces, formaldining room and finished basement with bar. In-ground poolfor summer fun. MLS #R53992 $245,000New construction 4 BR, 2 1/2 bath home offeringhardwood floors, granite countertops, stone fireplace andmany other amenities. MLS #R54382 $295,000This is the old Salona train station. Remodeled with woodinterior. French doors to the gardens. MLS #R54376$69,000

Davis Real Estate Inc.is proud to present:February Employeeof the MonthJennifer RippeyLeasing AgentThe ONLYagency servingClinton, Centre,Lycoming andTioga Counties!View all West Branch and Centre Countylistings on our website:www.davisrealestateinc.com9 - HOUSE & HOME - TUESDAY, February 10, 2009FAIRPOINTMEADOWS!REDUCED!NEWLYREMODELED!ONE LEVELLIVING!Beautiful 3 bedroom, 2 bath home. Large master bedroomand open floor plan. MLS #R54153 $259,900Unique 4 BR, 3 1/2 bath. Completely renovated on a .9acre lot. Finished basement with fireplace. Enjoy thebreath-taking views from the patio. MLS #R54675 $299,900Beautiful kitchen is a must see. Tile flooring and newcarpet. Full walk out basement. 2 car garage and greatpatio with a breath taking view. MLS #R54671 $139,9003 bedrooms, 1 bath on .31 acres. Enjoy the screened inporch and nice yard. MLS #R54678 $121,900STEP SAVINGRANCH!SAGAMOREHILLS!LINNIPPIVILLAGE!FARM!3 BR home on corner lot in Avis. Enjoy the warm invitinginterior and partially finished basement. MLS #R55285$109,000Marvelous 5 BR home on quiet cul-de-sac. Large lot, pooland large kitcehen make this the perfect home to entertain.MLS #R55301 $235,0005 BR home wit lots of space if you like to entertain. Enjoythe beautiful cherry kitchen, screened porch, and a gameroom. MLS #R54797 $399,900167 acre farm in Centre Co. Over half is tillable. Large farmhouse in need of repair. Marsh Creek runs through lowerpart of the property. MLS #F55587 $489,000NEWLISTING!10 ACRES!PINE CREEKFRONTAGE!WOODLANDPARADISE!3 BR, 3 bath home lovingly cared for in Crestmont. Relaxon the charming front porch or enjoy the view from theflagstone patio. MLS #R55603 $249,900Great 3 BR home with a beautiful view of Woolrich. Newfamily room, newer landscaping and deck! MLS #R55623$325,000Ranch in Ramsey Village. Access to rail trail. Large lot andgently sloping creek frontage. Spacious rooms andfireplace in living room. MLS #R55632 $235,000Privacy and space on this acreage! Located on a Cul deSac and ready for your new home or getaway. Only 7 milesfrom Lock Haven in a very rural setting. MLS #L55646$37,500GREATCABIN!FIRST TIMEBUYERS!GREATINVESTMENT!POSSIBILITIES!Minutes from Lock Haven. Access to the Susquehannaand also on Tangasootec Creek. Move in condition withfurnishings on 1.45 acres. MLS #K55689 $68,0003 BR, 1 bath with dining room and 1 car heated garage.New flooring, kitchen cabinets and windows. MLS #55708$45,000Multi-unit apartment building in Avis with 5 units that are allcurrently rented. MLS #M55705 $135,000Opportunity to own a corner lot in Avis. Currently used asa laundromat. Equipment is not included in the sale price.MLS #C55704 $109,900

HOUSE & HOME - TUESDAY, February 10, 2009 - 10HOUSE & HOMEAP PHOTOThis undated photo provided by Pottery Barn Kids shows the Multi-shade Cluster Lampceiling fixture.Modern kids furnishingsput the fun in functionalContinued from Page 7Over at Kid Carpet, twomind-bending area rugs —appropriately named OffBalance and On the Curve —feature bold graphics that playwith dimensional space. Eitherwould provide a good base forindoor adventure.Claire Eglizeaud and PaulMoreau, artists from BordeauxFrance, sell their unique throwpillows online at Bonjour MonCoussin. Choose from scrumptiousphotoprinted images ofcandies, chocolates, licorice orpastries; some of the delectablepillows are even scented. Ifsugar isn’t your style, considersome of the other kids’ collectiondesigns with a sophisticatedbut playful French flair.— — —Sourcebook:www.straightlinedesigns.com -Sobey Dresser, Joined at theHips Dresser, KnickKnacksShelf Unit, Boom Cabinet,$2,000-$4,000.www.kidcarpet.com - OffBalance and On the Curverugs, $149-$749.www.dustfurniture.com - Table?2 and Bookcase ?2, $978-$1,440.www.plushpod.com - Tarantinochairs, set of 2 $165.www.bonjourmoncoussin.com -Bonbon pillow $52, Candiespillow $52, Pliages pillow $45,Trucks $58.www.lampsplus.com - PropPlane pendant light, $234.91,Planet and Stars light, $234.99www.potterybarnkids.com - Catin the Hat decal, $129, Multishadecluster light, $299, Dr.Seuss sheets, $24-$189, Teacuplamp base, $69.www.straightlinedesigns.comDealers bringcoveted pieces toWinter AntiquesBy COLLEEN LONGAssociated Press WriterNEW YORK — Antiquesdealer Arthur Liverant knowssomething about workingthrough a crumbled economy:His grandfather started theirbusiness 89 years ago and it’sweathered both the GreatDepression and World War II.“We’ve seen downturnsbefore,” said Liverant, who hasa booth this year at the annualWinter Antiques show.“During World War II therewas no money to spend onantiques. Every penny wasgoing to the war effort.”Liverant is among 75 dealersscheduled to be at theannual bazaar this month,where New York socialites arethe main clientele and museumcurators peruse the antiquesand antiquities. This year severaldealers say they areincluding their finest, rarestpieces, because that’s whatbuyers will buy as the economycontinues to slump.“In this economy, collectorsare looking out for the finestexamples of what they collect.The finest material, that iswhat they will spring for,”Liverant said.Liverant, whoseConnecticut business is calledNathan Liverant and Son,deals in 18th and 19th CenturyAmerican furniture, paintings,silver, glass, and related accessories.Among his most covetedpieces, he is bringing acherry grandfather clock thatplays music, made by MartinCheney of Windsor, Vt., circa1800-1805 for $275,000.He’s also bringing portrait of asea captain with a whalingscene in background signed byartist, Isaac Sheffield, circa1833 for $120,000.Stuart Feld, president of theNew York firm Hirschl &Adler Galleries, said he’s alsofollowing the best-foot-forwardapproach.Feld is bringing a portraitby Mary Cassatt for $1.7 million,and some presidentialAP PHOTOThis undated photo providedby Nathan Liverantand Son Antiques, LLCshows a federal cherry tallclock made by MartinCheney of Windsor,Vermont, c. 1800-1805.pieces as well: A portrait ofGeorge Washington by GilbertStuart, and one of the originalchairs for the House ofRepresentatives chamber ofU.S. Capitol for $135,000.Dealers also say that collectorsare choosing to invest inpieces where they once investedin the stock market.But Ken Rendell, consideredamong the among theworld’s top dealers in histori-See DEALERS, Page 11

Dealers bringcoveted pieces toWinter AntiquesContinued from Page 10cal letters and documents, says low-endpieces are also still selling well.“What seems to be weak are the midlevelthings that are expensive, butchances are you could buy it next year,”he said.Also hot, he reports, are items relatedto Abraham Lincoln or other presidents.“We’ve had a couple of people in thenew administration buy Lincoln letters,”Rendell said. “It’s really clear their interest,they’re a part of this ‘team ofrivals.’”Rendell is bringing to the show ahandwritten letter from 1862 by Lincolnoverruling Gen. George McClellan overrulinghis plan to withdraw troops fromWashington.HOUSE & HOMEThe letter is priced at $875,000.The annual show typically draws25,000 visitors, the organizers said,underlining New York as one of theantiques capitals of the world. For $20,the public can view sacred objects ofPharaonic times, medieval armor,Renaissance paintings and documents,18th and 19th century furniture andmore. Proceeds benefit the East SideHouse Settlement, a charity founded in1891.In addition, The Corning Museum ofGlass will show an exhibit entitled “TheFragile Art,” that includes an ancientRoman serving dish cover in the form ofa fish, a glass allegory depicting MarieAntoinette and lamenting the demise ofthe aristocracy during the FrenchRevolution.AP PHOTOThis undated image provided by Kenneth W. Rendell, Inc. shows a photographof President Dwight D. Eisenhower and a signed typewritten D-Day Order of the Day statement.11 - HOUSE & HOME - TUESDAY, February 10, 2009SALEPENDINGCITY LOCATIONWALK TO TOWNVery nice 3 bedroom just blocksfrom Lock Haven Hospital and LHU.Newer roof, newer furnace,new windows. Lovely rearstone patio andone car garage. Call TinaWeaver at 660-2890for your privateshowing.$130,000FAIRPOINT MEADOWSPRICE REDUCEDGRANDLIVINGYou won’t find aprettier home than this!Elegant cherry kitchenwith granitecountertops andstainless appliances,first floor MBR suite, library, large greatroom, formal DR. Upstairs offers2 BR and full bath.$335,000CASTANEAConvenient Castanealocation, large 3 cargarage. Newlyremodeled kitchenand bath. 3 BR, 1bath, fenced yard.MLS 53210$94,000FAIRPOINTMEADOWSSALE PENDINGHaven Homes says sell! Large4 BR with cherry kitchen, gasfireplace in great room,large 3 car garage withbonus room. Fabulouswraparound porchand views!$324,000.PRICEREDUCED!3 Store fronts and threeapartments plus unfinishedsecond floor space make thisa great investment. Greatlocation as you enter LockHaven. Next to Countycourthouse. $225,000.Call Beth Riccardofor your privateshowing.48 E. Church Street, Lock Haven, PA570-748-8222briccardo@gearhartherr.comFAIRPOINTMEADOWSPRICEREDUCEDBeautiful new ranch withopen floor plan, mountainviews. Cathedral ceilingsand French doors makethis LR bright and airy.Large eat-in kitchen,two car attachedgarage. NiceMBRsuite! $300,000BELLEFONTEAVENUEPRICEREDUCEDCLOSE TOLHU4 BR older home with niceoriginal woodwork, located atthe top of the hill on BellefonteAve. Great location, close toLHU and downtown. Goodstarter home orstudent housing.Affordable at$69,000THIS IS ASWEETHEART OF A DEAL!Spacious brick cape in Dunnstown.Bigger than it looks and lowmaintenance. First floor bedroomand 1/2 bath. Large bedroomsupstairs with full bath. First flooralso has a large family room andoffice in addition to the eat-inkitchen, living room withfireplace, and dining room.Near Second CupRestaurant.$108,000NEWLISTING!3 BR ranch w/finfished walkoutbasement.Beautiful setting inSunset Pines.Quiet dead endstreet.$132,000PHASE IIDEVELOPMENTLOTS FOR SALE28 beautifully situated lots .6 acres and up offer publicwater and sewer, underground utilities and mountain view.Just a stone’s throw from the new Central Mountain HighSchool, Lock Haven University, Lock Haven Hospital orHogan Boulevard, yet nestled in the country.Protective covenants will help to ensurethat the neighborhood will have consistency.Off Fairpoint Road in BaldEagle Township. Onlyavailable throughthis office.

HOUSE & HOME - TUESDAY, February 10, 2009 - 12By JENNIFER FORKERFor The Associated PressMore and more Americansare working from home,whether that means plopping alaptop on the dining room tableor having a room dedicated asan office.Phones and computers aside,virtually any space can be madeinto a workable home office byconcentrating on a few basicingredients: a chair, a desk,lighting and storage. Somequick tips from designers onwhat to look for:THE CHAIRHands down, the mostimportant item, designers say.“It should probably be yourbiggest investment,” says PeggyKovacic of Burbank, Calif., anIKEA designer for nearly adecade. “Investing in a chairtoday, your back will thank youtomorrow.”Greg Dunlop, a nationalmanager for Boston-basedAllsteel, which makes officefurniture, says a top-notchoffice chair will: support yourback by following the curve ofHOUSE & HOMEAP PHOTOThis undated photo provided by IKEA shows a home office design idea.Home office essentials:What to look foryour spine, have an adjustableseat pan that slides forward andback, can be adjusted higher orlower and, if possible, haveadjustable arm rests.A designer himself, Dunlopadvocates for his company’sAcuity chair, which is similar inprice (and appearance) to theiconic Aeron chair, which hasbeen the gold-star standard foroffice chairs for years.The Acuity retails for $600to $800.See OFFICE, Page 13Simple crafts canmake a homeoffice homeyBy JENNIFER FORKERFor The Associated PressShouldn’t a home office be homey? Give that space a morepersonal touch with crafts that cater to function while providingreminders of family and friends.These three crafts, two of them developed by the crafts editorat HGTV.com, are easy on the pocketbook. And fast — wewouldn’t want to distract you from work for too long.MAGNETIC MESSAGE BOARDNote: Making this extra large is nice, for poetry, inspirationalquotes and other things that encourage creativity and help getyou through the workday.Supplies:Sheet metal, whatever size fits your need, available at homesupplystoresDrill press with metal bit (Don’t have one? Find a neighbor.)4 metal washersGlue, such as Gorilla Glue or a glue gun with glue stickHigh-quality, wide ribbon, such as velvet or silk (to hold apotentially heavy message board); stylish alternative: thick copperwireFun, decorative magnetsAssembly:1. Drill two holes at the upper corners of the sheet metal, atleast an inch or more from the top and several inches in fromeach side. The holes need to be large enough to thread the ribbonthrough.2. Glue a washer on the front and back of each hole. Thesewill cover any sharp edges or blemishes created by the drilling.3. Thread the ribbon through the holes, securing it so that itcan hold the weight of the message board. (You might thread theribbon across the front of the board, loop it back on itself onboth ends, then bring it up to tie a bow at the top.)4. The fun part: Add magnets, family photos, assorted inspirationalmementos and any important dates or “to do” lists.Tip: To clean minor blemishes on the sheet metal, rub it withvegetable oil and fine steel wool. Remove all traces of the oil byrubbing with a cotton towel.Adapted from a craft created by H. Camille Smith, CraftsEditor, HGTV.com and DIYNetwork.com.MAGAZINE HOLDERSupplies:Mailing box, such as a Postal Office Priority box (12 by 131/2 by 2 3/4 inches), or large cereal boxFabric, about 32 by 16 inches (Upholstery fabric workswell.)Glue gun with glue sticksRulerPencil or penBox cutter or Exacto knifeScissors (for cutting fabric)Iron and ironing boardDecorative trim (optional), such as rick-rack (about 30 incheslong, depending on size of box)See CRAFTS, Page 13

Home officeessentials: Whatto look forContinued from Page 12Dunlop warns against office chairs that place a bar at the lowerback to lend support.“That’s not what you want,” he says. “That’s another pressurepoint.”Monica Pedersen, an HGTV designer, likes IKEA and Crate &Barrel’s office chairs. In particular, she recommends Crate &Barrel’s Icon Executive office chair ($599) and IKEA’s Nominellswivel chair (starting at $139) for bringing style into the homeoffice. IKEA’s Kovacic warns against buying a chair online.“You want to sit in it and make sure your body feels good in it,”she says.THE DESKDunlop cautions that while most office desks are 30 to 32 inchestall, if you buy one that’s taller, make sure your chair willadjust. If it doesn’t, you may be able to resolve the difference byattaching a keyboard tray to the underside of the desk.The key is to avoid having your shoulders raised while typing atthe computer, says Dunlop. If the desk and chair don’t align properly,your elbows won’t make that ergonomically correct 90-degreeangle that helps prevent back pain.As for desk style, Pedersen often uses Ballard Design’s modularoffice furniture in her design projects because they’re attractive and“you can create it any way you want.”LIGHTINGPedersen recommends a swing-arm lamp on the wall above thedesk for task lighting, and either a larger lamp or good ceilinglighting for more diffused light.Kovacic advocates a swing arm with a halogen bulb, and tryingto position the desk near natural light.“You’re sitting inside all day, so natural light makes it so muchnicer,” she says.STORAGEKovacic recommends something with doors that close to minimizeclutter, especially if the work area is in a prominent part ofthe house, such as a family room. Homeowners can tuck away notjust files and accessories, but computers and printers behind cabinetdoors, too.“It makes it look more serene and clean,” says Kovacic.OTHER NEEDSPedersen considers an area rug an essential. She recommendsa 41/2-by-61/2-inch, low-pile rug, such as a sisal. Use rug tapeinstead of a carpet pad, so chair legs or wheels don’t get stuck.Hide electrical cords, which are unsightly, says Pedersen, whofavors the Master Products Cord Away clips ($3.29) she picks upat Staples.— — —On the Web:http://www.allsteeloffice.comhttp://www.ballarddesigns.comhttp://www.crateandbarrel.comhttp://www.hgtv.comhttp://www.ikea.comhttp://www.staples.comHOUSE & HOMESimple crafts can make ahome office homeyAP PHOTOShouldn't a home office be homey? Give that space amore personal touch with crafts that cater to functionwhile providing reminders of family and friends.Continued from Page 12Assembly:1. With the box on its side,measure 6 inches from onebottom corner lengthwise upthe box and mark that spot.On the opposite corner,measure 12 inches lengthwiseup the box and mark it.2. Line the ruler up, fromone mark to the other, anddraw a straight line. Carry thatline around the entire box.3. With a sharp knife orscissors, cut along the line.This gives you the shape ofyour magazine holder.4. Decide which end of thebox you want facing out inyour office: The shorter end,with magazine titles showing,or the taller end, in which themagazines will be hidden.Wrap the box in fabric,starting at whichever end youdetermine will be the backside,and overlap the fabric in backwith the top layer of fabricfolded over 1/4 inch andpressed (for a cleaner line).5. Do not wrap the fabric onthe under side of the magazineholder.Instead, fold the fabric over1/4 inch and press, then line upthis pressed edge along the bottomedge of the magazineholder.6. Once you figure out howbest to wrap the fabric, line itup and glue it in place, leavingthe edges at the top of the magazineholder open.After the rest of the fabric(sides and bottom) is glued inplace, fold the top layer intothe box.Cut away the fabric so onlya few inches are left inside thebox. Glue this fabric to the box(you will have to cut towardthe four inside corners so thefabric lies flat (don’t cut toofar).7. If using decorative trim,glue it along the bottom edgeof the magazine holder.Tip: Try using wrapping orscrapbook paper, or wallpaperremnants, rather than fabric.Adapted from instructionsfor “recycled magazine holder”at pinkandpolkadot.blogspot.com.Otherinstructions available atwww.allfreecrafts.com.MEMORYCOASTERSHave family photos, afavorite vacation memory or afunny moment close at hand,right under your drinking glass.Supplies:2 pieces of Plexiglas (about41/2 by 41/2 inches square).Check with your local homeimprovementstore, which mayhave scraps and will cut themto size.Colored electrical tape (red,blue and black work best)1 or 2 photosGlue gun with glue stickPaint pen (optional)1. Take the protective filmcover off the Plexiglas. Cut thephoto(s) to fit, and sandwichthe photo(s) between the twopieces of Plexiglas. (If youwant a photo on each side, usetwo.Or use one photo and writethe date it was taken on itsbackside.)2. Wrap the Plexiglasensemble with electrical tape,wrapping each corner like apackage and gluing it in place.Use one piece of tape to covereach side.3. Decorate the taped edgeswith the paint pen, using simpledesigns.Adapted from a craft by H.Camille Smith, Crafts Editor,HGTV.com andDIYNetwork.com.13 - HOUSE & HOME - TUESDAY, February 10, 2009

HOUSE & HOME - TUESDAY, February 10, 2009 - 14JUST LISTED! JUST LISTED! JUST LISTED! JUST LISTED!Mill Hall - Contemporary style cottage located in a scenicpreservation area surrounded by Fishing Creek. All of thefinest materials were used in the construction of this house.Kim Stiles MLS #55571 $495,000Mill Hall - 3 bedroom, 1.5 bath Contemporary style homelocated on 3.64 wooded acres.Linda Karichner MLS #55612 $169,000Lock Haven - 2 bedroom 1 bath Ranch style home.Basement could be finished for more living space.Linda Karichner MLS #55647 $82,500Lock Haven - Awesome Commercial property with 5apartments and 3 store fronts.Nancy Merinar MLS #55629 $489,000JUST LISTED!JUST LISTED!JUST LISTED!JUST REDUCED!Jersey Shore - Spacious 3-4 bedroom home w/largefenced yard & plenty of off street parking.Larilyn Arndt MLS #55649 $89,900Lovely brick 3 bedroom, 2 full baths 1.5 story home.Kim Stiles MLS #55654 $75,000Loganton - 3 bedroom 1.5 bath ranch style home on 3acres. Huge garage that fits 4 cars or more.Kim Stiles MLS #55694 $159,900Castanea - 5 bedroom brick home on a corner lot.Offering lower taxes, laundry and a bedroom on the firstfloor. Kim Stiles MLS #51211 $89,900Lock Haven - Nice 3 bedroom, 3 bath Timberline homeon 2 acres with a great view! Linda DunkleMLS #53899 $249,000MOTIVATED SELLER!This 3 bedroom 2 bath home is nestled in a very privatesetting. Linda Karichner MLS #54245 $149,900JUST REDUCED!Woolrich - 2 bedroom ranch w/central air, nice basement,and all appliances included.Linda Dunkle MLS #54379 $99,900Antes Fort - 1800’s treasure with beautiful big rooms.5 bedrooms, hardwood floors, and a marble & granitefireplace. Linda Dunkle MLS #54397 $149,900Lock Haven - Great investment opportunity - 3apartments, large retail space and parking!Nancy Merinar MLS #54742 $118,000Beech Creek - Commercial property with owner financingavailable for qualified buyers.Kim Stiles MLS #54745 $89,000Lock Haven - Awesome 4 bedroom, 3 bath tri-level inSagamore. Absolutely move-in ready, this is a beauty!Linda Dunkle MLS #54823 $235,900Salladasburg - Traditional 3 bedroom in a quiet location.Nice hardwood floors and an awesome workshop in thebackyard. Linda Dunkle MLS #54984 $115,500

HOUSE & HOMESimple steps at home can prevent dangerous fallsBy FRANCINE PARNESFor The Associated PressIf, as the adage says, “Old ageain’t for sissies,” the first challengein the privacy of one’shome may well be standing one’sground to avoid a fall.Each year in the UnitedStates, according to the Centersfor Disease Control, 1 out ofevery 3 people over 65 falls.Among older adults, falls are theleading cause of injury deaths,according to the NationalAssociation for Home Care andHospice.What starts as a simple misstepmay cause many seniors tolose their health, their independenceand even their lives.What’s more, feeling thepinch of the economic downturn,growing numbers of seniorsnowadays may be unable to selltheir homes — and thereforeneed to make them safer, saysDr. Marion Somers, a geriatriccare manager in Brooklyn, N.Y.“That’s what is making peoplelook at their own place, or afamily member’s house if theyare living with them, and evaluate,how can we make this senior-friendlyand safer?” saysSomers, who wrote “Elder CareMade Easier” (Addicus Books,2006). “With this economy,(many) seniors and their familiesare not able to afford the cost ofnursing homes and assisted livingfacilities.”Geriatric care managers likeSomers help caretakers and agingfamily members create a plan ofcare, which may include homesafety. Resources that can befound on the Internet include theNational Association ofProfessional Geriatric CareManagers and the NationalAging in Place Council. Someprivate businesses will comeevaluate your home.It may seem surprising that somany people fall in their ownbedroom, kitchen or bathroom,when home is supposed to be asanctuary. Yet “some of theseemingly most innocent roomsin the home can actually be themost dangerous,” says Somers.“It’s important to look at yourown home as if you are seeing itfor the first time, and evaluate itwith a fresh set of eyes.”For instance, in the bathroom,“a 1/2-inch rise in the floor mayseem like nothing to us, but forsomeone who has trouble liftingAP PHOTOThis undated photo provided by the Foundation for Senior Living Caregiver Houseshows Don Chamblin, left, and Susan Kilby, director of the Caregiver House.their feet and shuffles around,this could cause them to trip,”she says.“Elderly falls at home havelong been the silent epidemic thatleads to injuries and often resultsin nursing home placement,”says Dr. Cheryl Phillips, incomingpresident of the AmericanGeriatrics Society, which representshealth care professionalswho serve seniors.The most dangerous room forfalls, she says, is the bathroom,because of maneuvering betweenthe bathtub, shower and toilet.“Lots of risk factors come intoplay, and medications that causedizziness or weakness are thebiggest single factor,” she says.“And falls often accompany gettingup in the night.”Some safety solutions maysurprise you. Think a rug alwaysprovides protection against aslippery marble or tile floor?Think again.“The single most importantthing to remove is throw rugs,even if they have been in placefor years,” says Jonna Borgdorff,a physical therapist in Oak Park,Ill., and national rehabilitationdirector for Interim HealthCare, acompany that provides homecare for the elderly.Skip loose rugs that aren’tclearly slip-resistant, and chooseuniform flooring, rather thanuneven walkways, she says.“It is ideal to have one consistentsurface throughout the hometo help avoid tripping.”Borgdorff’s organizationoffers these tips to prevent falls:If you have wall-to-wall carpeting,make sure it is secure andflat, without bunched-up wrinklesor raised areas.Fix poor lighting and addnightlights for trips to the bathroom.In the bathroom, non-skidadhesive textured strips in the tubor shower floor can help preventfalls, while a plastic shower chaircan help ease access in and outof the tub.Likewise, a raised toilet seatwith armrests may provide balanceboth for sitting down andgetting up.Add handrails on steps andgrab bars on bathroom walls.Handrails placed near the toilet,bathtub or shower, can helpsomeone stay balanced when sittingor standing.In the kitchen, forgo slipperyfloor wax. To avoid falls,keep kitchen items in cabinetsthat are easily accessible, atwaist-high level.On stairs, pay particularattention to the top and bottom,where you may miss a step.Consider adding stair treads andhandrails on both sides. Be particularlycautious when walkingbetween a carpeted room and aslippery floor. If walking onstairs is perilous, consider addinga stair chair that electricallyglides up and down the steps.Some pitfalls are less obvious:Don’t be blind to high thresholdsin doorways, says JohnO’Callaghan, president of theMetro Louisville (Ky.) Aging inPlace Council. His company,Evalusafe, offers home safetyevaluations for seniors.Speaking of the floor, clearany clutter there, which is particularlyhazardous for nighttimetrips from bedroom to bathroom,he says.Above all, when the goldenyears usher in an era of change toyour home, try to keep the decorcheery.“Being reminded that declinemay be on the horizon is neverattractive,” says Borgdorff. “Anidea to consider that may put apositive spin on the process is tolook at it as redecorating.”In other words, she says,while you’re seeking the adviceof a home care professional forfunctional changes, also considera decorator to infuse thosechanges with a new personaltouch.— — —On the Net:www.naipc.org/www.americangeriatrics.org/www.interimhealthcare.com/drmarion.com/www.Evalusafe.com/www.caremanager.orgwww.nahc.org15 - HOUSE & HOME - TUESDAY, February 10, 2009

HOUSE & HOME - TUESDAY, February 10, 2009 - 16Unlock The Benefitsof Solid Local BankingMortgageLoansThere are so many mortgage programs available, let aJersey Shore State Bank Mortgage Consultant help youdetermine which program fits your needs.I PHFA Keystone Home Loan ProgramI 100% Financing - Rural Housing LoansI Single Close (One Time) Construction LoansI Down Payment and Closing Cost Assistance LoansI FHA FinancingI Purchase-Improvement ProgramsI PENNVEST (Septic) Funding ProgramI First Front Door(2nd Mortgage Assistance Program)Mortgage ServicesSolid Local Banking Since 1934MemberFDICJersey Shore State Bank Mortgage Services | www.jssb.comCall For A No Obligation Pre-Approval To Review Your Options.Gina Wright I Montgomery (570) 547-6642I Montoursville (570) 368-1200Kim Walker I Jersey Shore (570) 398-2213Gail Rice I Lock Haven (570) 748-7785Libby Gretzler I State College (814) 235-1710Brenda Bryerton I State College (814) 235-1710Barry Peters I State College (814) 235-1710Keith Boyles I Williamsport (570) 320-2015Jerry Seman I Williamsport (570) 320-2015Toll-free in Pennsylvania 1-888-412-5772 I Email jssb@jssb.comJA159-14-87203-1