The Journal News from White Plains, New York • Page 11

J. The Journal News Monday, October 13, 2008 5B Era of easy credit may be over An inflatable gorilla beckoned from the roof of Don Brown Chevrolet in St. Louis, servers doled out free bowls of pasta and a salesman urged potential customers to "come on up under the canopy and put your hands on" a new set of wheels. But sitting across from: a sales. man in a quiet back room, Adrian Clark could see it would not be nearly that easy.

This was the ninth or 10th dealership for Clark, a steamfitter looking for a car to commute to a new job. Every one offered a variation on the discouragement he was getting here: Without $1,000 for a down payment, no loan. "It's just rough times right now," Clark said. "Rough For Clark, and for a nation of consumers heavily dependent on credit, there are growing signs that those rough times could prove to be more than just a temporary problem, that they could be the beginning of a stark, new reality. Is America's long era of easy credit over? Experts say that even when the current credit crunch eases, the nation may finally have maxed out its reliance on borrowed cash.

Today's crisis is a warning sign, they say, that consumers could be facing longterm adjustments in the way they firnance their everyday lives. "I think we're undergoing a fundamental shift from living on borrowed money to one where living within your means, saving and investing for the future, comes back into vogue," said Greg McBride, senior analyst at Bankrate.com. "This entire credit crunch is a wake-up call to anybody who was attempting to borrow their way to prosperity." A prolonged period of tighter credit is ahead, experts say. U.S. consumers will find it much harder to get credit cards, and to carry large balances.

Substantial payments and down payments will be required. Interest rates are also likely to rise. The changes cap three decades in which U.S. consumers along with businesses and government have run up ever-increasing debt. But all that borrowing came at a heavy cost.

Doctors: Double vitamin Lindsey Tanner The Associated Press Adam Geller The Associated Press CHICAGO The nation's leading pediatricians group says children from newborns to teens should get double the usually recommended amount of vitamin because of evidence that it may help prevent serious diseases. To meet the new recommendation of 400 units daily, millions of children will need to take daily vitamin supplements, the American Academy of Pediatrics said. That includes breast-fed infants even those who get some formula, too, and many teens who drink little or no milk. Baby formula contains vitamin so infants on formula only generally don't need supplements. However, the academy recommends breast-feeding for at least the first year of life and breast milk is sometimes deficient.

Most commercially available milk is fortified with vitamin but most children and teens don't drink enough of it four cups daily would be needed -t to meet the new requirement, said Dr. Frank Greer, the report's co-author. The new advice is based on mounting research about potential benefits from vitamin besides keeping bones strong, including suggestions that it might reduce risks for cancer, diabetes and heart disease. But the evidence isn't conclusive and there's no consensus on how much of the vitamin would be needed for disease prevention. The new advice replaces a 2003 recommendation for 200 units daily.

That's the amount the government recommends for children and adults up to age 50; 400 units is recommended for adults 51 to 70 and 600 units for those 71 and up. The Institute of Medicine, a government advisory group that sets dietary standards, is discussing with federal agencies whether those recommendations should be changed based on emerging research, spokeswoman Christine Stencel said. The recommendations were prepared for release today at an academy conference in Boston. Besides milk and some other fortified foods like cereal, vitamin is found in oily fish, including tuna, mackerel and sardines. But it's hard to get enough through diet; the best source is sunlight because the body makes vitamin when sunshine hits the skin.

While it is believed that 10 to 15 minutes in the sun without sunscreen a few times weekly is sufficient for many, people with dark skin and those in less sunny climates need more. Because of sunlight's link with skin cancer, "vitamin supplements during infancy, childhood and adolescence are necessary," the academy's report said. Obituaries Obituaries "This entire credit crunch is a wake-up call to anybody who was attempting 1 to borrow their way to prosperity." Greg McBride, senior analyst at Bankrate.com Americans are more reliant on debt then ever before. The portion of disposable income that U.S. families devote to debt hit an all-time high in the second half of last year, topping 14 percent, figures from the Federal Reserve show.

When other fixed obligations like car lease payments and homeowner's insurance are added in, about one of every five household dollars is now claimed by bills. Americans, borrowing to cover ordinary living expenses, have all but abandoned The U.S. personal saving rate dropped to well below 1 percent in late 2007 and early this year, according to figures from the federal Bureau of Economic Analysis. The lack of savings is a sharp contrast with the decades after World War I1. Americans routinely saved more than 10 percent of their income in the early 1970s.

Now, many families spend virtually all of their income covering living expenses, and even that is not enough. "In the credit era, which is like living on steroids, you're not saving money, you're not breaking even. You're actually borrowing 20 to 30 percent," said Robert Manning, author of "Credit Card Nation: The Consequences of America's Addiction to Credit." The new era of tighter credit will largely be a mandate, as consumers are forced to adjust to tougher rules and tighter limits. Consumer borrowing fell for the first time in more than a decade in August, the Federal Reserve reported last week. The decline, at annual rate of 3.7 percent, reflected a sharp drop in the category of borrowing including auto loans and a smaller decline in the category including credit cards.

After years of living off one income and drawing on credit to fill the gap, Portland, legal assistant Susie Shepherd and her partner, Kaite Chase, are rethinking their finances. In the past few years, they regularly ran up debt to pay Chase's tuition and repeatedly refinanced their home, pulling out equity to pay bills and drawing on lines of credit to cover expenses. But Shepherd was caught short this fall when her brother asked for help in paying moving expenses. She tried to draw on a credit card, but found her line of credit had been cut in half. The only way to help, the couple decided, was to sell some household items.

Over the years, economists have tried to figure out when, if ever, consumers might finally reach their debt limit. But each time, Americans have proved far more resilient than pessimists imagined, financing their spending by borrowing. The credit crunch, though, may be the breaking point. Clark, the steamfitter shopping for a car, returned home to Fairview Heights, in January after a 12-month tour of duty with the Army in Afghanistan. He found a new job and expected that a regular paycheck would be enough to secure a loan for the car he needs to commute.

At the dealership last weekend, Clark and his wife, Flora Rivera, settled on a Dodge Stratus with 8,000 miles on the odometer. I But the dealership was looking for a $1,000 down payment and Clark had just $200. The problem is that Clark, 22, has almost no credit history. A few months ago, multiple banks would have been happy to give such a consumer a loan, salesman Scott Ziegler said. Clark left the dealership without a loan, but decided to put down his $200 as a deposit and try to find another source for the remainder of the down payment.

In recent weeks, such scenarios have become the norm, said the dealership's loan manager, Jarrod Campbell. "I'm getting a lot more customers who are saying, I've been to 10 other car he said, "and no one will give me a loan." Profiles by The Associated RollOf Honor who Press gave of the their men lives and in Iraq women Army Sgt. Daniel M. Eshbaugh, waiting 43, Norman, Okla. home.

Maj. Pete Barger, a Chinook pilot for the Oklahoma Guard, said he first met Daniel M. Eshbaugh during their first deployment to Iraq in 2003. Eshbaugh served as a flight engineer. "He always wanted a little bit more.

He expanded from just the engines to learning the aircraft. He got that knowledge, he got that step down, and from beyond that he wanted to become crew member. That was one of his goals," Barger said. Eshbaugh, 43, of Norman, was killed Sept. 18 when his helicopter went down near Tallil.

Eshbaugh was assigned to Lexington, Okla. Eshbaugh, originally from Chicago, first enlisted in the Air Force in 1982 and served for 10 years. After a six-year break, he joined the Oklahoma Army National Guard in 1998, staying until 2000. Daniel re-enlisted in the Guard in 2002. He is survived by his wife, Rachel, and children Ashley, Jessica, Bryan and Jordan.

Last month, Rachel Eshbaugh posted the following message on her husband's MySpace page, "Hey, I just wanted to say stay safe and strong. I am very proud of you for what you are doing. I will be GEORGE M. HOLT Funeral Home, Inc. Family Serving With Dignity Since 1854 50 New Main Street Haverstraw, NY 10927 845-429-2159 To Advertise in this directory call 1-888-300-SOLD (7653) For more information call (914) 694-5147.

available online at LoHud.com. Search by name or date Obituaries are DEATH NOTICES CONGERS Hunter, Kenneth 66, on October 11, 2008. Arrangements by Michael I J. Higgins Funeral Service, New City. (845) 634-6110 PEARL RIVER Bradley, Mary B.

74, of West Palm Beach, Fl on October 9, 2008. Arrangements by Wyman-Fisher Funeral Home, Pearl River. (845) 735-2161 Nelson, Edwin J. Jr. 85, on October 9, 2008.

Arrangements by Hannemann Funeral Home, Nyack. (845) 358-0573 SLOATSBURG Becraft, Mary Elizabeth 88, on October 11, 2008. Arrangements by Wanamaker Carlough Funeral Home, Suffern. (845) 357-0423 NYACK Crowley, Anastasia T. 77, on October 11, 2008.

Arrangements by Joseph W. Sorce Funeral Home, West Nyack. (845) 358-4433 OBITUARIES BRADLEY, MARY B. Mary B. Bradley "Breeda" of West Palm Beach, FL, formerly of Pearl River, NY died Thursday, October 9, 2008 in Florida.

She was 2008 in Florida. She was 74. Breeda was born January 26, 1934 in Ireland to Thomas and Katie Hussey. She was a former hairdresser. On July 25, 1964 she married James Bradley at Holy Family Church in Bronx, NY.

Before moving to West Palm Beach, FL she lived in Pearl River from 1995 to 2003 and in the Bronx from 1957 to 1995. She is survived by her loving daughters Kathleen and husband Steve Anderson of Wellington, FL and Colette and. husband Frank Taussi of Pearl River; six grandchildren Rhiannon, Kayla, Emily and Alexa Anderson and Hailey and Jamie Taussi. She is predeceased by her husband James April 7, 2007. A Mass of Christian Burial will be held 10:00 AM Tuesday at St.

Aedan's R.C. Church, Pearl River. Burial will follow at St. Anthony's Cemetery, Nanuet, NY. WYMAN-FISHER FUNERAL HOME INC.

100 Franklin Ave. Pearl River (845) 735-2161 Obituary, In Memoriam, Lodge Notice, Special Notice, or Card of Thanks online by going to LoHud.com/ order ad and follow the prompts. T. ANASTASIA CROWLEY, ANASTASIA T. (continued) p.m.

and 7-9 p.m. at the Joseph W. Sorce Funeral Home, 728 West Nyack Road, West Nyack, N.Y. on Tuesday, October 14th. A Mass of Christian Burial will be held on Wednesday, October 15th at 11:15 a.m.

at St. Francis of Assisi Church. Burial will follow at St. Anthony's Cemetery in Nanuet. JOSEPH W.

SORCE FUNERAL HOME 728 W. Nyack Rd. West Nyack, NY (845) 358-4433 our Family Senile Your HUNTER, KENNETH Kenneth Hunter, 66 of Congers, NY died on October 11, 2008. Kenneth was born October 1942 in Bronx, NY' to Donald and Margaret (Marsden) Hunter. He lived in Congers for 32 years prior Westchester County.

Kenneth was a teacher for Lincoln Tech in Mahwah, NJ for 6 years and had worked for Lucent Technologies and for over 20 years as a Designer Engineer. He is a veteran of the U.S. Army serving in Vietnam and was a member of the Pearl River Elks. Kenneth is survived by his wife Rose daughters, Deborah Serratore and her husband Frank and Joni. The family will receive friends on Monday from 7-9 PM and Tuesday from 2-4 and 7-9 PM at Higgins Funeral Home in Congers.

A Mass of Christian Burial will be celebrated on Wednesday at St. Paul's Churchat 10 AM with burial to follow in Gethsemane Cemetery in Rockland Lake. MICHAEL J. HIGGINS FUNERAL HOME 113 Lake Road Congers (845) 268-6665 Dignity' Honored Provider OBITUARY DIRECTORY CONGERS Hunter, Kenneth PEARL RIVER Bradley, Mary B. Nelson, Edwin J.

Jr. NYACK Crowley, Anastasia T. Anastasia (Ann) Crowley, 77, passed away on Saturday, October 11, 2008 at Orange Regional Medical Center, Horton Campus, in Middletown, NY. Born in the Bronx on October 31st, 1930, she was the daughter of James and Agnes Flood. Ann was brought up in the Bronx, attended Holy Family Parochial School and graduated from Aquinas High School.

She married the love of her life, Walter J. Crowley, on October 8, 1955 at Holy Family Church in the Bronx. They settled in West Nyack, NY where they, raised six wonderful children. She worked at Materials Research Corporation in Orangeburg for 20 years as an executive secretary. She was a parishioner of St.

Francis of Assisi Roman Catholic Church in West Nyack where taught religious education for many years. For the past five years she was a member of Our Lady of Mount Carmel Church in Middletown. Ann was a devout Catholic who watched Mass every morning on TV and said the Rosary daily for her family. She was an avid bridge player who played with the same group of close friends for over 30 years. She loved to travel and spend time with her children and grandchildren, the joys of her life.

As her physical health deteriorated in the past few years, her spirit blossomed and she brought joy to everyone she met. Ann was a wonderful, loving wife, mother and grandmother who will be missed more than words can describe. Besides her parents, Ann is predeceased by her brothers James and Kenneth Flood and her sister Veronica Flood. She is survived by her loving, devoted husband of 53 years, Walter, at home; her brother, George Flood and his wife Beth of Pearl River, NY; her sister-in-law Joan Pieroni and her husband Peter of Bardonia, NY; her daughter Marianne Murray and husband Brian of Middletown, her daughter Suzanne Koklas and husband Dominic of Middletown, her daughter Jacqueline Brennan of New City, NY, her daughter Kathleen Udelsman and husband James of New Milford, CT, her son James of Palm Harbor, FL, her daughter Veronica Alfonso and husband Joseph of New Hampton, NY and seventeen grandchildren: John, Jenny, Cara, Collin, Patrick, Nicole, Steven, Mary, Julie, Annie, Sarah, Kayla, Becky, Kristyn, Kelly, Julia, and Joey. Friends and family may call from 2-5 Funeral Home Resource YONKERS FUNERAL SERVICE, INC.

Stavros Dimopoulos, Licensed Director (NY, NJ, CT) Funerals, Cremations, Pre Plan, World Wide Shipping "Westchester's Greek Family Owned Operated Funeral Service" Onsite Parking www.dc-yfs.com 107 Yonkers Ave, Yonkers, NY 10701 (914) 963-6133 www.hawthornefuneralhome.com Hawthorne Funeral Home HFH ERNEST DOUGLAS A. Directors CARPENTIERI DANIELS. Conveniently located on the Taconic State Parkway 21 Stevens Avenue, Hawthorne, NY (914) 769-4404 NELSON, EDWIN J. JR. Edwin J.

Nelson, a Pearl River resident since 1951, passed away suddenly on Thursday, October 9, 2008. He was 85. Born in Brooklyn, NY on April 15, 1923 to Edwin and Elsie (Olsen) Nelson. Mr. Nelson was raised in Bergen NJ and was a graduate of Fairleigh Dickenson University with a BA in accounting.

He worked for Dexter Folder in Pearl River for 25 years and was last employed with Farrand Opticle in Valhalla. He was a member of the Pearl River United Methodist Church. Mr. Nelson served in the US Army in World War II as a radio interceptor in the European Theatre. He was an avid Target Shooter and a Charter member of the Pearl River Gun Club.

He was also a member of the Rockland Rifle and Pistol Club and the Colt Hill Rifle Association. He is survived by his wife, Audrey, a daughter, Diane Cobb and her husband Ed, a son Edwin III and his wife Susan, and his grandchildren, Matthew, 'Lindsey. Erin and Sarah. He is also survived by a sister, Marion Hancock of Maine. A Funeral Service will be held on Tuesday, October 14th at 11am at the Hannemann Funeral Home, Inc.

in Nyack with burial to follow at Oak Hill Cemetery in Nyack. Visiting hours are scheduled for Monday, 2-4 pm and 7-9 pm at the funeral home. HANNEMANN FUNERAL HOME 88 South Broadway Nyack, NY (845) 358-0573 for you when you get Love you." Army Spc. Christopher T. Fox, 21, Memphis, Tenn.

Christopher T. Fox was remembered as a laid-back guy who always wanted to be a soldier and fight for his country. "He did what he loved and, for some reason, I feel like that's what he wanted. If he had to leave, he wanted leave in combat," said Fox's brother Randal White. Fox, 21, of Memphis, was killed Sept.

29 by small-arms fire in the Adhamiyah neighborhood of Baghdad. He was assigned to Fort Carson, Colo. Fox, who enlisted in the military in March 2005, was on his second tour, due to be discharged from the Army in July. He was in the service for three years and worked as a mortarman. Fox, who played football in high school, splashed his social networking Web page orange with University of Tennessee logos.

He wanted to enroll at the Knoxville campus in the fall of 2009 and maybe play football, maybe study criminal justice and become a police officer, not letting his military training go to waste, said Amy Frost, a friend. "He loved the people he worked with, comrades in arms. He died over there fighting for something," Frost said. He also is survived by his stepfather, Randal Hancock. HANNEMANN FUNERAL HOME, INC.

88 South Broadway Nyack, NY 10960 Pre-Planning Traditional Funerals Affordable Cremation Services (845) 358-0573 JOSEPH W. SORCE FUNERAL HOME INC. Our Family serving yours Independently Owned 728 West Nyack West Nyack, NY 10994 845-358-4433 OBITUARY I NOTICE The Journal News publishes paid Obituaries of people who have lived, worked or have family in Westchester, Putnam or Rockland Counties. All notices and submissions must be received by for the next day's edition. To place a paid Obituary Notice, Card of Thanks, In 1 Memoriam, Special Notice or Lodge Notice, please visit LoHud.com/orderad prior to the day of publication.

The Journal News bills in agate lines which may or may not correspond with the total number of visual lines in any given advertisement. For Customer Service, please call (914) 694-5147, or email Hours: to Monday through Friday. Saturday and Sunday: to LoHud.com Westchester's Low Cost Cremation Service Funeral City Service www.nycremation.com Cremation Memorial Services, Urns 23 Lockwood Avenue Yonkers NY 10701 (914) 963-4499 "FAMILY TRADITION OF CARING DC DUCHYNSKI- CHERKO FUNERAL HOME, INC. Anna M. O'Lear, 111 YONKERS AVE.

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