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HOW TO: CHOOSE A CREDIT UNION • CHOOSE A PEDIATRIC DENTIST REDUCE THE RISK OF IDENTITY FRAUD DIAGNOSE RESTLESS LEG SYNDROME BUY HEARING AIDS • CHOOSE A BANK CHOOSE AN ASSISTED LIVING FACILITY CHOOSE A LASIK SURGEON CHOOSE A GASTROENTEROLOGIST HOW TO CHOOSE AN HVAC COMPANY HOW TO CHOOSE A DOCUMENT SHREDDING SERVICE April 15, 2012
Transcript
Page 1: How To April 2012

HOW TO:CHOOSE A CREDIT UNION • CHOOSE A PEDIATRIC DENTIST

REDUCE THE RISK OF IDENTITY FRAUDDIAgNOSE RESTlESS lEg SYNDROmEBUY HEARINg AIDS • CHOOSE A BANKCHOOSE AN ASSISTED lIVINg FACIlITY

CHOOSE A lASIK SURgEONCHOOSE A gASTROENTEROlOgIST

HOw TO CHOOSE AN HVAC COmPANYHOw TO CHOOSE A DOCUmENT SHREDDINg SERVICE

April 15, 2012

Page 2: How To April 2012

page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

TABLE OF CONTENTS

April 15, 2012

HOW TO CHOOSE A CREDIT UNION

HOW TO CHOOSE A PEDIATRIC DENTIST

HOW TO REDUCE THE RISK OF IDENTITY FRAUD

HOW TO DIAgNOSE RESTlESS lEg SYNDROmE

HOW TO BUY HEARINg AIDS

HOW TO CHOOSE A BANK

HOW TO CHOOSE AN ASSISTED lIVINg FACIlITY

HOW TO CHOOSE A lASIK SURgEON

HOW TO CHOOSE A gASTROENTEROlOgIST

HOW TO CHOOSE AN HVAC COmPANY

HOW TO CHOOSE A DOCUmENT SHREDDINg SERVICE

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page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

A credit union is a cooperative, not-for-profit financial institution. It is

owned and controlled by its members, and organized to bring savings and give credit

to those who belong.

WHAT IS A CREDIT UNION?

A credit union is a cooperative fi-nancial institution, owned and

controlled by the people who use its ser-vices. These people are members. Credit unions serve groups that share some-thing in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reason-able rates.Credit unions, like other financial in-

stitutions, are closely regulated. The National Credit Union Administration (NCUA), an agency of the federal gov-ernment, insures credit union deposit ac-counts up to $100,000.What makes a credit union different

from a bank or savings & loan? Like credit unions, these financial institutions accept deposits and make loans but un-like credit unions, they are in business to make a profit. Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments.

FIVE WAYS TO FIND A CREDIT UNIONCredit unions are for everyone, but the

law places some limits on the people they may serve. A credit union’s charter defines its “field of membership,” which could be an employer, church, school, or community. Anyone who lives or works in a community, for example, is eligible to join a community-chartered credit union.If you don’t belong, here’s how to find

a credit union to join:1. Visit the internet for information on

credit unions near you.

2. Ask your family. One in three Ameri-cans belong to a credit union. Chances are you have a family member that uses credit union services. And most credit unions allow members’ families to join.3. Quiz your friends and neighbors.

Many credit unions have a “community” field of membership, serving a region defined by geography rather than by em-ployment or some other association. Ask friends in the community if they know of a credit union you may join.4. Read the yellow pages. Some credit

unions rarely advertise, so you might not know about them unless you look them up. A yellow pages display ad may state a credit union’s field of membership. If not, at least you’ll know what number to call to ask about membership eligibility.5. Contact the Credit Union National

Association. Dial (800)358-5710 or visit www.cuna.org and check their online da-tabase of credit unions.

CREDIT UNIONS VS. BANKSA credit union is a cooperative, not-for-

profit financial institution. It is owned and controlled by its members, and or-ganized to bring savings and give credit to those who belong. Proponents of credit unions say earnings are returned to members in the form of higher sav-

ings rates, lower loan rates, fewer fees, and expanded services.In contrast, a bank is a financial insti-

tution that accepts deposits and makes loans to corporations and individuals for a profit. A savings and loan institution is in business to accept deposits and make loans, primarily for first and second mortgages, at a profit.Credit unions see healthy returns on

investments in order to help their mem-bers, while other financial institutions send investment returns to their stock-holders.Credit unions give members a voice.

Members vote for a board of directors from the general membership.Directors serve on a voluntary basis

and hire a Chief Executive Officer, who in turn hires staff to manage the credit union. All members receive information on the state of the credit union, gener-ally in the form of newsletters and other periodicals, such as the credit union’s an-nual report.U.S. credit unions have a flexible, high-

ly organized cooperative network, the Credit Union System. The system works at the local, state, and national level.There are over 10,000 credit unions

throughout the country serving over 80 million members.

CHOOSE ACREDIT UNION

IMPORTANTNOTES❒ Credit unions offer many of the same services as banks, usually at better rates and terms: checking, consumer loans,mortgages, and investment accounts.

❒ Credit unions are not-for- profit, and exist first and foremost to serve their members.

❒ Credit union members are also owners. Memberselect a volunteer Board of Directors to strategically guide the organization.

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page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Pediatric dentists are licensed prac-titioners who hold either a doctor

of dental surgery (DDS) or doctor of dental medicine (DMD) degree. Be-coming a dentist requires four years of pre-dental college work followed by four years of dental school. To be “Certified Pediatric” by the American Academy of Pediatric Dentistry re-quires four years of school plus an ad-ditional two to three years of hands-on training that prepares the dentist to meet the needs of infants, children, and adolescents. The first two years of dental school

consist largely of basic and preclinical sciences. The last two years are spent primarily in dental practice under the faculty supervision. State licensure is then acquired by passing national and state board examinations. Dentists, such as pediatric dentist, who wish to specialize, spend two or more years in advanced training. To become board-certified they must then pass an ex-amination administered by a specialty board recognized by the American Dental Association.Most pediatric dentists are very good

clinicians. The differences between these dentists is usually in treatment modality. Some pediatric dentists do not want parents back with their child because some children tend to use their parents as an escape mechanism. Oth-er dentists have no problem with par-ents being in the rooms. Another area of difference is in the dentists’ style of behavior management. Some pediatric dentists practice sedation, sometimes in a hospital setting, while others may only practice in their own clinic with nitrous oxide. There are several differ-ent ways to treat a child when it comes to behavior management.

POSITIVE SIgNS

Good pediatric dentists take a per-sonal interest in younger patients

and their health. Good pediatric den-tists value their relationships with the parents and children. They are more concerned about the child’s well-be-ing and psyche than just performing treatment.Good pediatric dentists, and general

dentists for that matter, will perform a thorough dental examination including inspection of teeth, gums, tongue, lips, inside of cheek, palate, and the skin of the face and neck. They will also pal-pate or feel the face and neck for ab-normal lymph nodes, enlargement of the thyroid gland, TMJ problems and any other facial abnormalities. A good pediatric dentist will focus

more on preventive care than perform-ing treatment. Regular check-ups can detect problems early. Routine tooth cleanings bite evaluations, periodontal examinations, early interventions, and fluoride treatments can often avoid costly repairs. The frequency of main-tenance care (including cleanings and x-ray examinations) should be based on assessment of the frequency of cavity formation, the rate of plaque formation, the condition of the gums, and any other special problems. This assessment is termed a Caries Risk As-sessment. Once current treatment has been completed, the patient should be placed on a recall schedule and noti-fied when the next checkup is due.High-quality dental work usually will

last a long time, whereas low-quality work may fall out or decay out in a few years. The price of dental work is not the best way to judge quality, rather, pay attention to the time the pediatric dentist takes with yourself and your child. Before embarking on treatment, get

a clear understanding at your own level of what is to be done and what the outcome might be. Consider treat-ment options with your pediatric den-tist, because there may be more than one way to accomplish the end goal.

NEgATIVE SIgNS

Be wary of pediatric dentists whose fees are much higher or lower than standard fees for a procedure. When the fees charged per service is low, the number of services performed may be greater than needed, resulting in higher costs.A small percentage of dentists espouse

or engage in unscientific practices. You should avoid any pediatric dentists who do not discuss treatment options with you the parent, do not discuss preven-tive measures to keep future issues from arising, allege that fluoridation is dangerous and/or make the patient wait for an appointment in emergency situ-ations.

OTHER TIPS

The American Academy of Pediatrics and the American Academy of Pediatric Dentistry recommends that a child has his or her first dental visit at the time their first teeth begin to erupt or their first birthday, whichever comes first.It makes sense to become acquainted

with a pediatric dentist before an emer-gency arises.Suitable prospects can be identified

asking among friends, acquaintances, and local health professionals. Addi-tional recommendations can be ob-tained from a local dental society or a dental school if one is located nearby.A good first step is to schedule a “get

acquainted” or “happy” visit to see whether your child’s personality, the parent’s personality, and philosophies of oral health care are a match. Ask about fees and payment plans. Most pediatric dentists prefer the patient’s parents or guardian to initiate discussions of fees because they know more about their own financial situation. Where large fees are involved for major work, it is best to have a written understanding of what fees will be charged and when pay-ment will be due.

ThE REcOgNIzEd dENTAl SPEcIAlTIES ARE:

❒ Dental public health: Preven-tion and control of dental disease and promotion of community dental health

❒ Endodontics: Prevention and treatment of diseases of the root pulp and related structures (root canal therapy)

❒ Oral and maxillofacial surgery: Tooth extraction, surgical treat-ment of diseases, injuries, and de-fects of the mouth, jaw, and face

❒ Orthodontics and dentofacial orthopedics: Diagnosis and cor-rection of tooth irregularities, and facial deformities

❒ Pediatric dentistry: Specialized certification of dentists trained to treat the needs of infants, chil-dren, and teens that require ad-ditional education and residency that involves knowing how to interact with kids.

❒ Periodontics: Treatment of dis-eases of the gums and related structures.

❒ Prosthodontics: Treatment of oral dysfunction through use of prosthetics devices such as crowns, bridges, and dentures.

CHOOSE APEDIATRIC DENTIST

Page 5: How To April 2012

page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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Page 6: How To April 2012

page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

REDUCE THE RISK OF IDENTITY FRAUD

Identity theft isn’t new. But with the widespread use of the In-ternet for business and personal

commerce, identity fraud has become the fastest growing type of financial fraud.Identity fraud, also called identity

theft, is the unlawful capture and use of someone’s personal identifying in-formation, such as a name, address, birth date or Social Security number in order to impersonate the victim to commit a crime or gain financial benefit.. The identity thief may set up loans,

credit accounts and phone numbers in the victim’s name, running up debts that aren’t repaid, and often wreaking havoc on his or her credit report.

BECOMINg A VICTIMIt is hard to know how many cases

of identity theft there are each year, because some are not reported to law enforcement agencies, but there is agreement that the total is in the mil-lions. The annual cost to businesses as a result of identity theft is in the billions of dollars.The proliferation of identity fraud

creates a challenge for the financial industry. There are three main ways thieves capture personal informa-tion:

1.) They find it in trash bins or dumps, at ATMs, or in lost wallets or purses.

2.) They buy identification informa-tion from Web sites or company employees.

3.) They steal it by intercepting mail, taking mail from mailboxes; burglary or computer hacking.

The FTC offers advice for prevent-ing identity theft on its Web site. Among the suggestions are to deter theft by safeguarding documents, de-tect activity by consistently monitor-ing financial records, and to defend against thieves by reporting suspi-cious activity as soon as it is discov-ered.If your identity is stolen, the FTC

recommends immediately issu-ing fraud alerts, acquiring copies of credit reports, and filing identity theft reports with appropriate agen-cies. More precise strategies depend on the type of identity theft that has taken place.Identity thieves can obtain personal

information from a wide variety of sources: tax forms, government doc-uments, medical records, personal mail, credit card bills, financial state-ments etc. And adults aren’t the only victims; children also can have their personal data stolen and used by identity thieves.To protect against identity theft,

protect personal documents in a way that they cannot be obtained by oth-ers. One method of doing so that benefits both individuals and busi-nesses is by shredding old documents or utilizing a document destruction service. Routinely reviewing financial and

credit information is also an impor-tant step in protecting against iden-tity theft.

gETTINg YOUR IDENTITY BACKThe FTC offers its own online cen-

ter, at www.ftc.gov, that provides in-formation to help prevent identity theft and assist victims in correcting the damage. Bulletins on the latest

identity theft alerts, a Victim Assis-tance Workshop, and forms for re-porting theft and tracking your prog-ress through the complicated process are just a few of the materials avail-able to you.The FTC suggests these steps to

decrease the likelihood of identity theft:

• Protect your Social Security num-ber

• Treat your trash and mail carefully• Be on guard when using the Inter-

net• Verify a source before sharing in-

formation• Safeguard your purse and wallet• Store information in secure loca-

tions

To spot identity theft, individu-als should check their credit reports for accounts they don’t recognize and review reports regularly. If your identity has been taken, immediately request a fraud alert be placed in your file by the credit reporting agency; ask to place a victim’s statement on your report asking creditors to con-tact you before authorizing any new accounts; report the theft to your fi-nancial institutions, credit card issu-ers and other creditors; and inquire about accounts that may have been tampered with or opened fraudulent-ly. You should also report the crime to police and ask for a copy of the police report for your records.According to data from the FTC,

the states with the highest numbers of identity theft cases are Florida, Arizona and California. Government document fraud is the most preva-lent form of identity theft, followed by credit card fraud and utility fraud.

Page 7: How To April 2012

page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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Page 8: How To April 2012

page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Do you find yourself un-able to sit still to watch your favorite evening

program, or unable to stay seat-ed during your vacation flight, or not able to fall asleep due to leg discomfort or jerking? If so, you may be among the 10 million adults in the United States with Restless Leg Syndrome (RLS). In the past, RLS, was called Ek-bom’s Syndrome.

What are some of the symptoms that might strongly suggests that this is your problem? The first and foremost symptom is expe-riencing an unpleasant, creepy crawling, jittery sensation in your legs that results in a very strong urge to move them.

This unpleasant sensation starts at rest and is characteristically relieved by walking, pacing or at times by simply stretching or jig-gling the legs.

These symptoms, at first, are hardly noted during the day and are felt primarily at night. Of-ten along with these sensations you may find that you have been told that you have “jerks” in your arms or legs while you sleep. The severity of these symptoms may range from annoying and infre-quent to distressing and daily.

You may also want to question others in your family as RLS runs in families in up to half of suffer-ers, and researchers have found

sites on chromosomes for RLS.

WHAT CAN YOU DO TO gET RElIEF?

If your symptoms are mild and infrequent, first try some lifestyle changes.

SOME COMMON CHANgES THAT HElP ARE: 1.) Avoid caffeine 2.) Cut back on alcohol and tobacco 3.) Try moderate exercise 4.) Try relaxation techniques like meditation or yoga 5.) Have good sleep hygiene 6.) Do activities that increase mental alertness in the evening 7.) Begin and end your day with a massage or muscle stretching

If, despite all the above prac-tices, your symptoms are increas-ing and disrupting your life and sleep patterns, then referral to a physician who is knowledgeable in the diagnosis and treatment of more advanced RLS is indicated. The physician should be able to screen for related neurologic problems that could be making your RLS worse and guide you in the more advanced treatments that are sometimes necessary to control RLS.

DIAgNOSE RESTlESS lEg SYNDROmE

Page 9: How To April 2012

page � The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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Page 10: How To April 2012

page 10 The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Hearing aids are not something anybody chomps at the bit

to go buy like the latest iPad or cell phone. But maybe they should be. Hearing loss occurs so gradually that most people wait several years after the loss first becomes a problem to even consider doing something. But early treatment of hearing loss has the potential to transform one’s life.The National Council on the Ag-

ing did a study with more than 2,000 people experiencing hearing loss, as well as the significant others of those with hearing loss, and found that people who decided to use hear-ing aids demonstrated impressive improvements in their social, emo-tional, psychological, and physical well-being. Specifically, hearing aid usage is positively related to many quality of life issues.

Hearing loss treatment was shown to improve:• Earning power • Communication in relationships • Intimacy and warmth in family re-

lationships • Ease in communication • Emotional stability • Sense of control over life events • Perception of mental functioning • Physical health

There are two different profession-als that can help people with their hearing needs. The Better Hearing Institute (BHI) defines them in this way:

Audiologists identify and assess disorders of the hearing and bal-ance systems of children and adults. Audiologists select, fit, and dispense amplification systems such as hear-

ing aids and related devices; pro-gram cochlear implants; and provide instruction, rehabilitation, and coun-seling services to enhance human communication. A graduate (doc-torate or master) degree is required for practice.

Hearing Instrument Specialists assess hearing and select, fit, and dispense hearing aids and related devices. They provide instruction, rehabilitation, and counseling in the use and care of hearing aids and related devices to enhance commu-nication. They must be licensed by the Secretary of State in the state in which they are practicing. A further certification for hearing aid special-

ists and audiologists is achieved by passing an exam from the National Board for Certification in Hearing Instrument Sciences.The website www.healthyhearing.

com is a great resource for anyone looking for information on hear-ing healthcare and amplification devices. No matter the educational background or experience of the hearing healthcare provider (HHP) you choose to see, you should ex-pect to be treated with dignity and respect as the HHP focuses on your individual requests and needs. Af-ter all, it’s your quality of life they should be most concerned with and must select the best possible device for you.

BUY HEARINg AIDS

Hearing Instrument Specialists assess

hearing and select, fit, and dispense hearing aids and related devices

Page 11: How To April 2012

page 11 The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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page 1� The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

When you choose a bank, you choose what could be a life-

long personal and business partner. That’s why a little homework can go a long way in deciding what fi-nancial institution will best fit your needs.“Before people consider choosing

a financial institution, they should realize it’s a decision that should not be taken lightly especially in light of the economic impact of the past few years,” says one vet-eran banker. “Many people tend to focus on transaction prices, high rates of deposit and low rates on loans. I think that’s a trap. There are other elements that need to be con-sidered.”

MAKINg A FINANCIAl FRIENDTo narrow your choices, you must

first assess your individual needs and identify your “banking person-ality” advises the American Banking Association (ABA), which suggests the following questions to ask:• What is your goal in establish-

ing a banking relationship? Saving money? Using a checking account? Getting a loan? All of the above?• How much money can you keep

on deposit each month and how many checks will you write? That information determines how com-plex or simple your bank account needs are, from multi-service pack-ages to no-frills accounts.• Will you be buying a home or

car, or making another large pur-chase in the near future? You may need to investigate loan products

offered.• If you’ll be saving for a big ex-

pense or your child’s education, re-view the institution’s savings prod-ucts. Many banks offer additional investments, such as mutual kinds, in addition to traditional savings ac-counts.• Do you prefer using Automated

Teller Machines (ATMs) and In-ternet banking services, or would you rather bank with an extensive branch network with regular, eve-ning and weekend hours?

BANKINg CONVENIENCEThe institution’s locations, hours,

and proximity to home and work are important to consider so you can easily balance your banking with your busy schedule. ATM, Web and telephone services should also be readily available so the custom-er can access them conveniently. “Think about what you will utilize. There may be a branch nearby, but if you do most of your banking on the Web or over the telephone, the place may not be that important.” For those who like to have face-to-face interaction with their financial institution, “look at the people as-pect, the service you expect. Are transactions handled efficiently and without error? If an error does oc-cur is it resolved quickly and to your satisfaction?’ Then take a close look at the fees

associated with the services you re-quire, suggests the Better Business Bureau (BBB). Do you use ATMs frequently? Does the bank charge you for ATM transactions at other

banks? How much? Compare that to another bank’s ATM charges. Many banks require minimum bal-ances for free checking or savings accounts. The BBB suggests you look at the cost of the fees saved with a $1,500 minimum balance, and compare that with the interest you might earn on the same $1,500. If it was invested in a Certificate of Deposit (CD) or other savings in-strument. Which is more beneficial to you? Use the same comparison to assess the benefits or costs of in-terest-bearing checking accounts.Also, a bank may want you to keep

all your accounts — including credit cards, mortgages and loans — at the same institution, often called “rela-tionship banking,” says the BBB. Ask if you can combine balances to meet fee-free minimum balances or if there are other incentives, If no incentives are offered, you may have to keep your accounts at different banks to get the best deal. Perhaps most important in choosing a bank is the institution’s longevity and du-rability. “There have been a lot of consolidations and transitions, and that may have changed that ser-vices offered. Look into its finan-cial strength. How does it manage through the tough times, and does it stand by its customers?” Finally do a gut check: Allow yourself a moment to measure your comfort level with the bank. “Do the em-ployees at the bank know you? Do they try to identify your needs over the short term and the long term, or are they simply marketing prod-ucts to you?”

CHOOSE ABANK

cONSIdER ThESE fAcTORS whEN chOOSINg yOuR lIfElONg buSINESS PARTNER:

❒ When checking outbanks, review the feesfor various services andtransactions, advises theAmerican BankingAssociation, but remember, price isn’t the only— or even most important — factor. ... Take aminute to think abouthow comfortable youfeel at each institution.

❒ Ask yourself somebasic questions: Is the staff friendly? Do they try to get to know you by name? Are transactions handled effi-ciently? If there’s an error,how is if handled? Does the bank stand by its customers?

❒ What is your goal in estab-lishing a banking relation-ship? Saving money? Using a checking account? Getting a loan? All of the above?

❒ Will you be buying a home or car, or making another large purchase in the near future? You may need to investigate loan products of-fered.

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page 1� The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Choosing an assisted living facility can be a difficult but important

decision, one often complicated by emergency situations that rush deci-sion-making. However, making a posi-tive transition to an assisted living facil-ity only takes careful research. The main goals of assisted living are

to aid residents — often the elderly — in tasks, and provide a living experi-ence where the mind and body are kept active. Assisted living facilities generally provide housing, group meals, personal care and support services, and social ac-tivities in a residential setting. The staff assists residents with simple household tasks, getting dressed, dietary needs, administering medication and more.

TAKE THE FIRST STEP The first step is to determine the fa-

cility characteristics you or your loved one may benefit from. According to the AARP, formerly known as the American Association of Retired Per-sons, assisted living facilities best serve those who don’t require skilled nurs-ing or long-term assistance. Would your loved one enjoy a larger facility with many new people or a more inti-mate setting? Do you have any specific medical needs? Some facilities include special programs and facilities to aid residents with dementia or Alzheimer’s, for example. Once you’ve determined your needs, compile a list of facilities to visit. The AARP recommends a num-ber of sources, including the local yel-low pages; state agencies and your local area agency on aging. Make sure to ask friends or relatives for advice as well.

lOOK AROUND Visit several facilities, touring at least

three. Beware of facilities that require appointments to visit. Reputable es-tablishments should allow you to visit

anytime during visiting hours. When visiting, make careful observa-

tions. Check for cleanliness — in bath-rooms, public areas and dining rooms. Is the atmosphere friendly? How does the facility assess and meet residents needs? Does the staff seem attentive and polite? Observe and talk to the res-idents. Do they seem well-cared for? Check for safety measures. As the

American Association of Homes and Services for the Aging suggests, look for well-lit stairs and halls, handrails in bathrooms and ways for residents to summon help if needed. Check to see if smoke alarms are installed in each room and hallway, that halls and pas-sageways are clear and that exit doors are clearly marked, not locked and op-erate freely — especially disabled as-sist doors. Facility staff should know evacuation procedures, and emergency numbers should be prominently post-ed.

CHECK CREDENTIAlS Find out if the facility is properly li-

censed by the state, and if there is any history of problems or disciplinary ac-tions related to the licensee.In Georgia, the Department of Hu-

man Resources is the licensing agent for assisted living facilities. Through the DHR, you can find out informa-tion about assisted living facilities and their compliance with state licensing requirements.The DHR also is active in investigat-

ing complaints about assisted living fa-cilities and working with the facilities to make improvements for residents.Within the DHR is the Office of the

State Long-Term Care Ombudsman, which has responsibility for investigat-ing complaints and resolving problems affecting residents of long-term care facilities.

The Long-Term Care Ombudsman program in Georgia is more than 25 years old. In 2002 it was established as a separate office within the DHR’s Di-vision of Aging Services. The Office of the State LTCO works

through Area Agencies on Aging to ad-dress needs of residents in care facili-ties.In addition to investigating com-

plaints, Ombudsman work to promote community and family involvement in facilities, provide information on how to select a facility, and educate commu-nities about the needs of residents in assisted living facilities.For more information, visit www.

georgiaombudsman.org, call 888-454-5826, or contact your local aging pro-gram.

CONSIDER COSTS Families should thoroughly examine

all the costs involved. Are costs item-ized or is there a flat fee? Some facili-ties may cost several thousand dollars per month. Ask for all charges up front and in writing to avoid surprises.

EASE THE TRANSITION If looking for a loved one, involve

him or her in your search process. Once you decide on the facility, bring your loved one for a visit. Keep lines of communication open to ease the transition. Find out what customiza-tions you can make to the new space to make it feel more like home. Find out about social activities. Activities are essential for preventing boredom, loneliness or depression. Activities at some facilities include: shopping trips, bingo, dance therapy, movies and arts and crafts. Finding something to enjoy and people to do it with can make the move to assisted living a positive expe-rience.

CHOOSE AN ASSISTED lIVINg FACIlITY

Tips: choosing an assisted living facility

PlANNINg❒ Begin discussion and research early. Don’t wait for an emergency. ❒ Determine the type of care needed. What do you or your loved one need help with? Is specialized care needed?❒ Look for facilities in your area. To contact the nearest Agency on Aging and other services for adults, call Elder Care Locator at (800) 677-1116 or check its Web site: www.eldercare.gov.

RESEARch❒ Examine the facility’s physical features: Is it clean? What facilities are available? Where do residents eat? Where do they interact?❒ Examine the staff. Do they greet residents? Are they attentive? Do they treat residents well? Are they well groomed?❒ Examine the residents. Are they well-cared for? Are they active? Do they seem happy?❒ Talk to residents

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page 1� The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Tired of your contacts and glasses? LASIK may be for

you. While LASIK (Laser-Assisted In Situ Keratomileusis) doesn’t always result in perfect vision, says the Eye Surgery Education Council (ESEC), it can allow people to more freely pursue their hobbies, physical activities and careers.It’s a lifetime investment — and

one with many benefits. In order to successfully free yourself from contacts and glasses, it’s important to know what to expect, and to find an experienced surgeon whom you can trust with your windows to the world.

What is LasiK?The Food and Drug Administra-

tion says LASIK is a procedure that permanently changes the shape of the cornea — the clear covering on the front of the eye that helps focus light to create images on your retina — by using an excimer laser. During the surgery, a knife is used to cut a flap in the cornea, revealing the middle section of the cornea (stroma). Pulses from a computer-controlled laser vaporize a portion of the stroma, says the FDA, and the flap is replaced. The result is corrected vision.The speed and development of

the computers that run the lasers is a huge advantage today. Lasers are much safer today than they used to be.am i a candidate?Patients can be 18 or 80 years old,

as long as they’re healthy. The ESEC says an ideal LASIK candidate is at least 18, with a stable contact or glasses prescription for at least two years; has sufficient corneal thickness; is affected by a common

vision problem; and doesn’t suffer from a disease (vision-related or otherwise) that could complicate the surgery.As with any surgery, there are risks

and complications to consider. Some patients can lose vision; develop glare, halos and/or double vision; be under- or over-treated, requiring additional treatment or the continued use of contacts or glasses; develop severe dry eye syndrome or have results diminish with age, according to the FDA.

Finding a surgeonBecome a critical consumer of

health care in your search for an experienced, qualified surgeon. Do your homework. Research Web sites about LASIK, such as www.lasikinstitute.org, and schedule consultations with a few surgeons. Where you feel comfortable is where you should go.But there’s no substitute for

experience: According to the ESEC, several studies have shown there’s a learning curve associated with the surgery. The more procedures a surgeon has done, the better he or she will be at it. A surgeon who’s done 30,000 surgeries, and has eight or nine years of experience is a lot better than getting a cheap fix.Check surgeon credentials —

you’ll want to go to a certified, licensed ophthalmologist who’s had extensive training in refractive surgery. The surgeon should also have manufacturer certification on lasers, which should be FDA-approved. Contact the American Board of Ophthalmology at www.abop.org, for information on certified surgeons in your area.

Interview possible surgeons to see who suits your preferences: Do you prefer going to a strictly refractive surgery center or a full-service ophthalmic practice? Do you feel comfortable with the surgeon, and his or her staff ? Is the facility comfortable and clean? Does the surgeon offer patient references?

What to expectOnce you find a surgeon with

whom you feel comfortable, the first step is to schedule a preoperative evaluation, during which you’ll receive a comprehensive eye examination. You can’t wear soft contacts for two to seven days (depending on the type of lenses), or hard lenses for a minimum of four to eight weeks prior to the visit. The surgeon will perform a number of tests to determine if you’re a candidate.Many surgeons allow patients

to observe the procedure from a viewing room to get a better idea of what to expect.The surgery lasts approximately

15 minutes. Discomfort is minimal and you should be able to get back to normal life within a few days. And with the technology today, many walk out with 20/20 vision or better — and no contacts or glasses in sight.Remember that perfect vision

isn’t guaranteed. About 56 percent of patients achieve results of 20/20 or better, and more than 90 percent achieve 20/40 or better according to the ESEC. You may still need to wear glasses or lenses for some activities such as reading. Ask your surgeon what results he or she plans to achieve with your eyes.

CHOOSE A lASIK SURgEON

The Eye Surgery Education council recommends asking surgeons these questions when considering lASIK:

❒ How many LASlK procedures have you performed?

❒ Do you provide a list of patients I can contact?

❒ What’s your complication rate?

❒ What laser do you use? Is it FDA-approved?

❒ What pre-operative diagnostic tests will you perform?

❒ May I observe a surgery?

❒ Are you licensed and board certified? Are you a member of any professional associations?

❒ What’s your re-treatment rate?

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page 1� The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

2061 Beverly Road • Gainesville, GA 30501 • GainesvilleEye.com • 770.532.4444

Bladeless, breakthrough technology has come to Northeast Georgia at Gainesville Eye Associates, the rst practice in Georgia to offer state-of-the-art laser cataract surgery. And unlike traditional cataract surgery, this new procedure improves eyesight in most cases through astigmatic reduction. Only a few ophthalmology practices across the country provide this high level of technology, with fewer than 300 LenSx lasers in the world. You can nd it right here at Gainesville Eye Associates.

Stephen J. Farkas, M.D. Jack M. Chapman Jr., M.D. Clayton G. Blehm, M.D. Lori C. Lebow, M.D. S. Michael Veach, O.D.

Bladeless Laser Cataract Surgery

F I R S T I N G E O R G I A

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A stomach ache will make you seek out a physician, but sometimes decid-ing which physician or kind of physi-cian to go to will make your stomach ache worse. There are many options and with the high cost of health care, you want to make the right decision the first time. Your primary care phy-sician (PCP) may be the first point of contact, especially if your insurance re-quires that you contact them prior to being seen by a specialist. Often times if you know what you need to be seen for, you can make an appointment with a gastroenterologist (GI) without need-ing to see a PCP first.

Gastroenterologists are physicians who have been trained in internal med-icine and have received 2 to 3 years of additional training relating to the diges-tive tract. Your digestive tract starts in your mouth and ends at your rectum. GI physicians treat anything related to the digestive tract including heartburn (GERD), stomach aches, constipation, diarrhea, hemorrhoids, ulcers, and also perform screening for colon cancer. GI physicians do not do surgery but treat ailments with medication or en-doscopic procedures. Colonoscopies and endoscopies are their main diag-nostic tool. They are specially trained to locate cancers in the colon and since digestive ailments are all they treat, they are uniquely equipped to treat your is-sue.

Since digestive issues are all GI phy-sicians and staff treat, they are also familiar with the discomfort and em-barrassment that often accompanies digestive issues and are trained to deal with that. Colon cancer is the second leading cause of death among cancers and one of the reasons it is so predom-inant is that individuals fail to go to see

a GI with bowel problems when they occur. Changes in bowel habits can be an indicator of something more seri-ous. Your stomach ache may be trying to tell you something.

Even if you are symptom free, every person should receive a colon screen-ing at age 50. African-Americans have a higher chance of developing colon cancer so they should begin colon screenings at age 45. The best way to have a colon screening is to have a colo-noscopy so polyps can be removed if detected and biopsies taken if needed. A colonic polyp is a growth inside the wall of the large intestine that can of-ten develop into cancer if left untreat-ed. This is the main reason that colon cancer is the second leading cause of death among cancers. Polyps can grow undetected unless the individual has a colon screening.

Your colon screening should be per-formed by a gastroenterologist. A gas-troenterologist performs 400-500 colo-noscopies during training before they even begin working in an office. One can compare this to a concert pianist who only devotes all his time to learn-ing to play that instrument or a wood craftsman who has honed his skill over the years and builds magnificent pieces

of furniture. Colon cancer is too great a disease to risk having anyone but a gastroenterologist who is especially trained to detect issues perform your procedure.

Not everyone who has stomach ail-ments needs a procedure. Often times, heart burn or constant belching may interfere with your daily life, and it also may cause damage you cannot see. A gastroenterologist can help you treat this as well. Heartburn or Gas-troesophageal Relux Disease (GERD) is caused when stomach acid rises up into the esophagus and causes burning and irritation. Stomach acid is erosive to the esophagus and over time can eat away the lining. Esophageal cancer can also develop from this. The burning and pain you feel is your body trying to tell you something.

So when your stomach hurts, you have heartburn or it’s time for your colon screening, don’t make it worse by trying to figure out whom to go to, look for a gastroenterologist. They are specially trained to find the source of your problem, treat you and help you get better. It is important to get treated by the physicians who are especially trained to treat stomach problems – a Gastroenterologist.

CHOOSE A gASTROENTEROlOgIST?

Even if you are symptom free, every person should receive a colon screening at age 50

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Experience and Expertise Matter.

We Are The Largest Gastroenterology Practice in Northeast Georgia

We only treat digestive issues/diseases.So, when it comes time for your colon screening,

trust only a gastroenterologist.We ARE the experts.

770-536-8109 or Toll Free 1-877-683-9410

Main Office Braselton Office Habersham Office Hartwell Office2324 Limestone Overlook 5875 Thompson Mill Rd, Ste 310 396 Historic 441N 127 W. Gibson StreetGainesville, GA 30501 Hoschton, GA Demorest, GA Hartwell, GA

www.GastroGainesville.com

770-536-8109 or Toll Free 1-877-683-9410

Main Office Braselton Office Habersham Office Hartwell Office2324 Limestone Overlook 5875 Thompson Mill Rd, Ste 310 396 Historic 441N 127 W. Gibson StreetGainesville, GA 30501 Hoschton, GA Demorest, GA Hartwell, GA

Experience and Expertise Matter.

We Are The Largest Gastroenterology Practice in Northeast Georgia

We only treat digestive issues/diseases.So, when it comes time for your colon screening,

trust only a gastroenterologist.We ARE the experts.

www.GastroGainesville.com

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In the summer, there seems to be nothing more important than

good air conditioning. In the winter, nothing is more important than an effective heating system.The key to getting great heating and

air conditioning service is finding the right HVAC company. It’s been said that an HVAC company is like a spouse. Good ones are helpful, reli-able and there for you in your times of need, whereas bad ones will cost you a lot of money, cause you many headaches and put you in uncomfort-able situations.

Word of mouth will provide the best recommendations for an HVAC company. Ask your family and friends who they’ve had good experience us-ing. When you hear the same name more than once, that’s a good sign.Make sure that you let the company

know that they were recommended by people close to you. This will let them know that they need to do a good job or other customers will hear about it and maybe consider taking their business to another company.When researching any sort of

company, you’ll want to check with the Better Business Bureau. For an HVAC company, check with your state’s board of contractors. You can also check the local mechanical in-

spection office to be really thorough. You want to make sure any company

you use is reputable. Unfortunately today many are not as reputable as we’d like to think.Ask the difficult questions. What are

their prices? Do they offer a guaran-tee or warranty? What are their usual turnaround times? What manufactur-ers do they use? You’ll also want to know if the com-

pany has insurance and is bonded for accidents that are likely to happen occasionally. This can save you from having to file a claim on your hom-

eowners insurance should any mis-haps take place that cause damage to your property during the installation.Make sure to check for proper per-

mits. An HVAC company getting the proper permits can save a hom-eowner many headaches. Load calcu-lation is another thing that will save you from plenty of problems in the future.It’s a good idea to have a load calcu-

lation performed before installing a new system in any building. The com-pany that you select should be willing to do so. There are HVAC companies that will use a general rule of thumb to size the necessary equipment in-stead of double checking, and some companies will just install the same

size of equipment as equipment that is being replaced. These methods can cause unneces-

sary problems for you. Many times you don’t know if a load calculation was done when the first system was installed and changes in the building have probably taken place over the years.A system that’s too big will be in-

efficient and cause big problems. A system that’s too small won’t be able to heat or cool the larger area. When you have the system that is installed to fit the needs of the building, you will save money and be much hap-pier.Following this advice will help you

find an HVAC company that will help save you some money and leave you satisfied with their work.

CHOOSE A HVAC COmPANY

Ask the difficult questions. What are their prices? Do they offer a guarantee or warranty? What are their usual turnaround

times? What manufacturers do they use?

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One service that all companies need is document shred-

ding. Sure, it can be easy to just toss documents in the trash – but that would be breaking the law and setting yourself and your business up for major repercussions. Or, sometimes when companies do understand the importance of pa-per shredding, they think it would be better to have it done in house. In reality shredding it yourself is a time waster and profit killer; it can take an employee up to 5 hours to shred just 50 pounds of paper! Hiring a paper shredding company is beneficial to your business, em-ployees, and your clients.Almost all businesses handle sen-

sitive information nearly every day: from receipts to job applications, to customer account information that includes addresses, phone numbers, and even bank account information. Without shredding such important documents, iden-tities can be stolen and informa-tion can be exposed to the wrong people. There are many things to consider

when choosing a shredding service company. You could start by ask-ing other businesses in your area who they use for shredding. Check with your Chamber of Commerce and see what shredding service is local to your area; not only will you keep your tax money within the community you live and work in, but you could also easily go to the businesses and check out their operations first hand.Shredding companies offer their

services in a number of ways. You

need to figure out what type of shredding service will best suit your needs. Some businesses find that they need shredding done periodically, for large clean-outs. Others may decide that they need day-to-day protection and utilize secure, locked containers that are serviced on a regular schedule. Weigh the pros and cons to on-site and off-site shredding at your business: on-site will allow you to see the paper be shredded in front of you, but, you are also left with the boxes after the shred is com-plete while with off-site shredding, the sensitive material is collected and brought back to the shredding facility to be shredded. Either way you choose to shred, be sure you check the chain of custody and make sure it is secure and that you receive a Certificate of Destruc-tion after the job is completed.While price is important, most

companies will be competitive and reasonable. It may be a red flag when someone is “too cheap” – you don’t want to fall into the class of “getting what you pay for.” If you want to make sure you are staying within your budget and understand everything you will be billed for, request a quote from the shredding company that out-lines all fees involved. Everyone wants to avoid unexpected bills and doesn’t like being surprised by extra fees such as stop charges or fuel surcharges. When comparing companies be sure to consider all costs.Perhaps you have a small amount

of material, and would prefer to

take it to a shredding company’s facility to see your material shred-ded. Check with the company you use and make sure that they of-fer drop off service, where you can go by during the day and have your material destroyed securely. Another great option when you have a small amount of material to shred is to check your local news-paper for community events. Of-ten times companies, TV stations, local communities will offer shred-ding and recycling days, where they will take your documents and shred and recycle them. These are either free or relatively cheap.As part of the chain of custody

that you look into, be sure that the life of your paper ends with recy-cling. The company you choose should have eco-friendly services. Shredded paper can be recycled, saving water, electricity, and trees.While you are shredding your

sensitive papers, don’t forget to see what other material you may have destroyed. The best shred-ding companies will shred more than paper, they can destroy CDs, disks, credit cards, hard drives and other similar products.When you are looking to get rid

of sensitive material, make sure that you do your homework and find a good shredding company that you can rely on. Always make sure the company that you deal with is reputable within your com-munity and that it makes you feel secure throughout the whole pro-cess. Having this peace of mind will guarantee protection for your-self and company.

CHOOSE A DOCUmENT SHREDDINg SERVICE

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