Another factor could be the parents’ lack of interest in how theirchildren were faring in school, said Bermejo. Frustration reading level is a stage where “readers find readingmaterials so difficult that they cannot successfully respond to them.” According to Bermejo, majority of the frustration level readers inIloilo were between Grade 1 and Grade 6. In the Philippine Informal Reading Inventory Manual – a readingassessment tool of the Department of Education (DepEd) – there are threereading levels. These are the frustration level, instructional level andindependent level. How? The family’s socioeconomic status may also be a factor, saidBermejo. Learners from poor families were likely to miss classes more often tohelp their parents make a living. ILOILO – In this province which has almost half a millionlearners, an estimated 42,000 from kindergarten to high school are considered“frustration level” readers. “They can recognize some words but they lackcomprehension,” according to Dr. Roel Bermejo, superintendent of the IloiloSchools Division. “Posible indimatutokan sang teacher ang mga kabataanilabi pa kon madamo sila sa classroom,” said Defensor./PN Some of these learners may be special children with special needsbut enrolled in regular classes. Under the instructional reading level, readers profit the mostfrom teacher-directed instruction in reading while under the independentreading level, readers function on their own with almost perfect oral readingand excellent comprehension. DepEd’s goal is to improve the reading comprehension of these learners. There are 987 public elementary schools and 179 public secondaryschools in the province. READING BLUES. Majority of the frustration level readers in Iloilo are between Grade 1 and Grade 6. Some of these learners may be special children with special needs. The family’s socioeconomic status may also be a factor. Learners from poor families are likely to miss classes more often to help their parents make a living. IAN PAUL CORDERO/PN Gov. Arthur Defensor Jr. said the provincial government is readyto help the Iloilo Schools Division improve the reading comprehension oflearners such as getting more remedial reading teachers. There were many factors why this was so, he stressed. He also did not discount the possibility that overcrowding inclassrooms may also be a factor in the poor reading comprehension of learners. The frustration level readers must become instructional levelreaders and eventually independent level readers. According to Bermejo, they are starting with the teachers both inelementary and high school – they are being trained how to conduct remedialreading classes.
“(Howley) and his immediate family are among more than 230 investors who were victims of a sophisticated Ponzi scheme perpetrated to defraud investors nationwide of nearly $400 million,” Hansen said in a prepared statement to The Two River Times. A financial advisor with ties to Rumson is facing accusations of wrongdoing. Howley’s home on Rumson Road is currently for sale, listed at $4.5 million. The complaint continues that “Howley used the GCR investment as a selling point for the Guardian Life Insurance policy that earned (Howley) a large stream of commissions.” “My relationship with (Howley) is restricted to running and charitable work,” local restaurateur, philanthropist and Rumson-Fair Haven High School running coach Tim McLoone said in an Aug. 12 inter view. “(Howley) has always been good to our athletes and a supporter of our charitable efforts. There was never any inkling of anything like (these allegations). He’s always been a very, very positive influence on our community.” In 2016, John “Jack” Howley, a founding board member of Rumson’s St. Patrick’s Day Parade, was selected to be its Grand Marshal. Photo by The Two River Times Though five customer disputes are being arbitrated out of court by the Financial Industry Regulatory Authority, known as FINRA, a Two River-area couple filed a civil complaint in Monmouth County Superior Court in March. Though Howley was never charged by the SEC, the damages requested from complaints filed against him total more than $4.9 million. Howley chose not to comment for this story. But Mary P. Hansen, a partner with the Philadelphia law firm Drinker Biddle, is representing Howley during this legal process and said the allegations contained in the lawsuit “are without merit.” “Like other investors and sophisticated institutions, Mr. Howley placed his trust in Kevin Merrill, who in May admitted under taking the fraudulent Global Credit Recovery scheme, pled guilty to multiple federal criminal charges and is facing a lengthy prison sentence. At no time did Mr. Howley have knowledge of Kevin Merrill’s criminal enterprise or intent to defraud,” Hansen added. In May, GCR’s Kevin B. Merrill, 53, pleaded guilty to conspiracy and wire fraud. GCR operated from 2013 through September 2018. Co-defendants Cameron R. Jezierski, 28, and Jay B. Ledford, 55, pleaded guilty in September for their involvement in the scheme. A Sept. 9, 2018 lawsuit against GCR and Merrill was filed by the U.S. Securities and Exchange Commission in the United States District Court in Maryland. The District Court indicted Merrill and two others Sept. 11, 2018 for conspiracy, identity theft, money laundering and wire fraud. Merrill and GCR’s assets were frozen two days later. According to former Rumson Mayor John Ekdahl, Howley is a “pay-it-forward, giving-back type of guy,” who served on the borough’s recreation committee. Howley also coached recreation and travel basketball and softball and was active in the local track and cross country community. The lawsuit alleges that over the next 15 months Howley recommended the purchase a $6 million life insurance policy from Guardian, a life insurance agency with which Howley has been an advisor since 1983. Howley also suggested an investment in Global Credit Recovery. Guardian could not be reached for comment. Hansen noted that Howley is hopeful the court-appointed arbitrator will soon begin distributing Merrill and GCR’s asset proceeds to investors who were harmed. Rumson resident John “Jack” C. Howley, 58, was discharged from the New York-based Park Avenue Securities Oct. 30, 2018 after failing to disclose private securities transactions and referring clients to investments not offered by the firm. Since the firm severed its ties with Howley, six customer complaints have been levied against him that are still pending decisions. The complaints stem from Howley’s alleged dealings with Global Credit Recovery (GCR), an investment offering the U.S. Securities and Exchange Commission (SEC) labeled a Ponzi scheme in September 2018. Despo’s complaint said that by December 2017 his clients invested a total of $1 million with GCR, an investment that “would be sufficient to pay the premium for the Guardian Insurance.” In 2016, Howley was named the Grand Marshal of the Rumson St. Patrick’s Day Parade, an event he helped found and for which he was a board of trustees member. The lawsuit seeks a total of $1 million in damages from Park Avenue Securities and Howley Financial Group, a financial services firm headed by Howley for 25 years. Its official website is not currently functional. Prior to the pending customer disputes against Howley, which date back to November 2018, the Rumson resident was an active part of the borough community and was celebrated professionally in May 2018 when he was inducted into the Guardian Life Insurance Hall of Fame. “We think we’ve been harmed, and I think we’ll be successful in what we’re seeking,” Despo said when reached by The Two River Times Aug. 5. Howley also organized the first Rumson Opening Day baseball/softball parade, a tradition that continues today. According to the civil complaint, which was submitted on behalf of the Two River-area couple by Rumson attorney William A. Despo, his clients first met with Howley in early 2017 for professional assistance with their investments, life insurance and retirement planning.