August 2017

Dear Friend,

Scott

Route 62 Bridge Replacement Project Well Underway

Work on the $23.7 million project to replace the Hunter Station Bridge on Route 62 over the Allegheny River in Forest County is well underway. The bridge is located in Tionesta Township, between the Forest/Venango County line and Hunter Station Road. The project is scheduled to be completed by the end of next March.

The project involves construction of a new 1,124-foot bridge, along with new concrete and asphalt roadway approaches and updated drainage, guiderail, landscaping and pavement markings, along with other miscellaneous work.

The new bridge is being built approximately 100 feet upstream from the existing structure. The existing 1,051-foot-long steel truss bridge was built in 1934 and is classified as structurally deficient. It is used by approximately 1,100 vehicles a day.

Nominations of Compassionate Caregivers Sought

UPMC is currently seeking nominations from patients and/or family members of patients who have received compassionate care from UPMC staff members.

The Ron Yount Compassionate Care Award honors front-line health care workers who have consistently demonstrated kind and genuine care through bedside conversations, honest communication, and shared decision making. These staff have provided hope and a feeling of peace and safety to patients and their families during times of need.

Nominations will be accepted online through August 31 at UPMC.com/YountAward.

Ask Questions Before Signing Up With a Robo-Advisor

The Department of Banking & Securities is advising investors to ask questions before switching to a lower-cost investment alternative that offers little or no human interaction.

A robo-advisor is a web-based computer program that allows investors to create their own financial plan. Driven by algorithms and using an online client survey, a robo-advisor collects information from individual investors about their finances and goals to create and manage an investment portfolio. These programs are sometimes also referred to as an "automated investment advisor” or "online investment advisor.”

Seven questions all investors considering a robo-advisor should ask:

What are your investing goals and how do you want to reach them? Learn more about investing principles: http://bit.ly/2smBZIW [PDF]

What are the costs of using a robo-advisor compared to using a human advisor? Learn more about how to compare these costs: http://bit.ly/1Chw1tB

Is your personal information safe with a robo-advisor? Learn more about keeping your online accounts safe: http://bit.ly/2qYtAYm

Are you willing to stop or decrease the amount of investing advice you receive through human interaction? Learn if robo-advising is right for you: http://bit.ly/2tJMq7i

What are the different approaches to investing used by different robo-advisors? Learn more about differences between robo-advisors: http://bit.ly/2sPFzg4

Is your money being directly invested or sent to other funds (“feeder funds”) that might charge additional fees? Learn more about feeder funds: http://bit.ly/1B7fjLx

Is the robo-advisor properly licensed? Search the U.S. Securities and Exchange Commission database: https://investor.gov/

Investors with questions or complaints about financial services, companies or products can call the Department of Banking & Securities at 1-800-PA-BANKS (or 1-800-600-0007). To learn more about investing, retirement planning, and other financial subjects, visit PA Investor Education on Facebook and @PAFinancialReg on Twitter

State Police Announce 4th of July Weekend Enforcement Results

Pennsylvania State Police troopers investigated a total of 741 crashes during the four-day Fourth of July holiday driving period (July 1- 4).

The crashes resulted in 259 injuries and 13 fatalities. Alcohol was involved in 75 of the crashes and in the deaths of four people. Of the 13 fatal crashes, only one victim was wearing a seat belt.

Troopers arrested 474 motorists for driving under the influence and issued 11,481 speeding citations during the holiday weekend. State police also cited 764 people for not wearing seat belts and cited 216 drivers for failing to secure children in safety seats.

During last year’s holiday driving period, which spanned three days, three people were killed and 165 others were injured in the 423 crashes that state troopers investigated.

More information on 2017 Independence Day enforcement, broken down by troop, is available here. These statistics cover only those incidents investigated by the Pennsylvania State Police and do not include incidents to which other law enforcement agencies responded.

PFBC Sponsoring Kayak Package Giveaway

The Pennsylvania Fish & Boat Commission is sponsoring a Kayak Package Giveaway to promote fishing and boating opportunities available throughout the Commonwealth. The grand prize includes an Emotion Kayak’s Guster kayak, a Cabela’s Full Motion PFD and a Carlisle Day Tripper paddle.

The public can enter this giveaway by visiting www.GoneFishingPA.com by September 1. No purchase is required and only one entry per qualifying adult will be accepted. The winners will be notified after September 18.

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