How to Guide 2015 by Havre Daily News

table of contents

Choose a Fitness Center

Choose a Cellular Phone Provider

Choose a Pharmacy

Choose a Collision Center

Choose a Hotel

Choose a Dentist

Choose a Plumber/HVAC Company

Choose a Assisted Living Facility

Choose an ATRA Transmission Repair Professional or an Auto Repair Shop

Choose a Paint Store/Type of Paint

Choose a Funeral Plan

Choose a Jeweler

Understand the Automotive Repair Process

Choose a Senior Independent Living

Choose a University

Choose a Primary Care Provider

Choose a Real Estate Agent

Choose the Right Home

Prepare for Home Ownership

Select the Right Insurance Agent for your needs

Choose a Property Manager

Choose Newspaper Advertising

Excavation/Materials Company

How-to Guide is published by the Havre Daily News Publisher / Stacy Mantle â&#x20AC;˘ Advertising Director / Jennifer Thompson â&#x20AC;˘ Graphics / Taylor Faulkinberry

March 2015

www.havredailynews.com

How to Choose a... Fitness Center Joining a Fitness Center is a big decision before you sign on the dotted line and you want to make sure you are joining the right one for you. Don't throw your money away on a membership that you'll never or rarely use. Take the time to design a game plan that will help you in your decision-making. Here are a few tips to help you decide on How to Choose a Fitness Center.

1 Create a Fitness Center checklist and began with your goals and

how you want your fitness center to help you achieve your fitness goals. For example, perhaps, you are trying to lose weight. Will the fitness center offer a personal certified trainer to help you with that? Does it offer classes that promote weight loss?

2 Create a section on your "Fitness Center" checklist that covers

your family goals and how the "Fitness Center" can be a benefit to your family. For example, if you have little ones, does it offer a daycare program, or perhaps you have teenagers does it offer a fitness program for teens?

3 Log-on to your Internet and do research on the Fitness Center

you are thinking about joining. Begin your search with reviews on the Fitness Center, using Google and Yahoo. Check with the Better Business Bureau to see if the Fitness Center has had any complaints. One of the best ways to research a Fitness Center is by talking with other members, personal friends, co-workers and family.

4 Request a trial membership to see in the Fitness Center is right for you. However, if the Fitness Center declines you a trial membership, reconsider joining. Most major Fitness Centers offer trial

March 2015

membership as a marketing tool, to give their potential members a chance to enjoy their facility. When you use your trial membership take notes. For example, what type of equipment does the Fitness Center have available? Is the equipment wellmaintained and up-to-date? How are the cleaning habits? Is the center clean or is it messy and disorganized?

5 Create a "Fitness Center" budget that you want to spend on an

annual membership or a monthly membership. To help you create your budget, do a price comparison of several centers in your area. Call multiple centers that offer the same type of service. When deciding on a membership think about what type of membership packages you want. For example, does the Fitness Center offer an individual membership and/or a family membership?

www.havredailynews.com

How to Choose a... Cellular Phone Provider Picking the best cellular phone provider can seem confusing, especially considering data usage. With the popularity of smart phones, the contracts have become more complicated than ever. Then you have to keep track of allotted minutes, restrictions, and data plans. When choosing a cellular phone provider, here are a few things to keep in mind. 1. Plan your phone usage Think about how you will use your phone. What kind of features will you need? Some users will only talk on the phone, while others want to text, stream video and browse the Internet. Still others use their phones as a video and still camera. If you plan on playing video games on your phone while waiting in a line, consider getting a bigger data plan. Understanding your habits will help you save money, as you will not be paying for technology you're not going to use. Keep an open mind about upgrade. What works for you today might change a year from now. Technology grows by leaps and bounds. Many people vowed never to use text messaging. Now they send and receive messages daily. Once you have decided how you will use your phone, communicate it clearly to salespeople. Listen to their advice, but know that the final call is yours. 2. Consider local carriers While most people will automatically consider big-name national phone carriers, take a good look a companies with a local touch. Maybe those employees work and live in your com-

March 2015

munity. Churches and civic groups may have information about local companies. You might even ask friends and family about local carriers. When a company wants your money but won't become involved in the community, it may reveal how they will treat you as a customer. If you decide to go with a national carrier, choose a local branch with a reputation for good customer service. You should feel welcome at this location. If they listen and understand your needs, and you receive quick service, it will make a huge difference when you need assistance.

wording in the actual contract; you'll

3. Understand the contract Contracts are certainly daunting, but you should still read the fine print of any contract. Understanding the agreement will save you trouble, money and embarrassment. Terms vary widely depending on the service provider, the plan chosen and even the model of phone. Take the time you need to read the agreement carefully. Ask questions if you don't understand the terminology.

basic models have Internet connectivi-

Make sure you know: • The duration of the contract and the penalty for early termination • What is considered "roaming," – nationally and internationally – and how much it costs • The limits for calls, text messages and data, and how much it costs to go over • When you can upgrade your phone, and what discounts you can receive • What happens if you break or lose your phone. Before signing anything, check the

be obligated to follow what's on the paper, not what a salesperson tells you.

4. Make the most of your new

phone

Make an effort to read the owner's

manual for your phone. Play with your new phone and explore its features. It's fun to see what it can do.

Today's phones have plenty of fea-

tures to make your life easier. Even ty. You can take pictures, send messages and even listen to music. It will make staying in touch with friends, family and co-workers much easier.

Consider the Coverage Area 1.

Determine your coverage needs for where you live, work and play including all the areas in between.

2. Evaluate the topography and geography of the area you need coverage. 3. Ensure nationwide talk, text and data coverage are available. 4.

Look for providers who have local technicians who service their towers and know the area well.

5. Request a demo phone to test and compare the service area.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Pharmacy Health and wellness are central components to living a rounded, stress-free life. When the need for medication or health-care advice arises, being able to depend on a good pharmacy is one way to alleviate the added pressures of being sick or injured. Find a pharmacy nearby that accepts your insurance, stocks a large supply of inventory to fill prescriptions quickly, offers ample over-the-counter medications, and provides additional, reliable recommendations and suggestions that aid in the recovery process. Some key questions to ask when choosing a pharmacist include: • Does the pharmacist take time to answer your questions in a manner that you understand? • Does the pharmacist tell you about each new medication and explain such things has how and when to take the medication and what you can and cannot take with it? • Does the pharmacist show concern for you and your family? • Does the pharmacist recommend vitamins or supplements to take or tell you which one you should NOT take with your prescriptions? If your current pharmacist does not meet your needs or does not take the necessary time to make sure that you understand your medications, visit other pharmacies and ask if the pharmacist has any special certifications or training. Find out if the pharmacy has any special services that they can offer you such as demonstrating a new inhaler. See if you can find a pharmacist that is easy to talk to, yet shows concern and is able to explain what you need to know as a consumer of both prescription medications and vitamin supplements. WHAT TO LOOK FOR IN A PHARMACY: Where your family pharmacist works should also be an important consideration when deciding how to meet your medication needs. Most people taking medications patronize a pharmacy. Convenience

March 2015

is an important issue with all of the time pressures that people feel these days. The pharmacy should be in a convenient location with convenient parking nearby. If you are unable to get to the pharmacy, the pharmacy should make sure that your prescriptions are mailed to your home or delivered to your home or work. Having the ability to open a charge account or have a credit card kept on file for charging prescriptions is a convenient feature, especially when you are on a trip or someone else is picking up the prescription for you. The pharmacy may offer special services that set them apart from the other pharmacies. You might be interested in special packaging to make it easier to remember to take your medications. If you have diabetes, finding a pharmacy that can demonstrate several glucose monitors to find which one works best for you can make testing your blood sugar easier. It is a good idea to get all of your medications (prescription and over-thecounter) filled at a single pharmacy. The pharmacy keeps a complete list of medications that you are currently taking, any health problems you may have, and drug allergies that you have told the pharmacist about. By having a single pharmacy, your pharmacist will be able to continuously update your patient profile-making sure it is always accurate. This allows your pharmacist to avoid any problems or drug

interactions in the future. With a little effort, you should be able to find a pharmacy that will be your partner in your goal of living a healthful life.

Services

• Medication reviews • Diabetes products and services • Email and text message refill reminders

Products & Specialties • Broad availability of brand and generic prescription medications • Private-label, over-the-counter medications • Pharmacist counseling

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Collision Center WHAT SHOULD BE INCLUDED IN AN ESTIMATE? Always get and keep a signed written cost estimate for the work to be performed, Make sure the estimate specifically identifies the condition to be repaired, the parts needed and the anticipated labor charge. Make sure the estimate states that the shop will contact you for approval before performing any work exceeding a specified amount of time and money. Choosing which shop to entrust your vehicle's repairs to is an important decision. Your vehicle represents a large investment, and you'll want to protect your financial interests when choosing a collision repair facility. Don't feel obligated to have your vehicle repaired by a facility that doesn't meet your expectations. Probably the most reliable way to find out about the quality of a shop's repairs is to ask your friends, relatives, neighbors, and co-workers. Their experiences can go a long way in forming your decision. Did the paint match? Was the car clean when it was returned? Were they treated courteously? Have the repairs held up? If they had a complaint about the repair, was it resolved to their satisfaction? You might also want to look at vehicles that a shop has repaired.

March 2015

Look for a written or computerized damage report. Don't settle for a "ball park" estimate. Look for a damage report with a complete listing of the parts and labor required to repair your vehicle. The damage report is the blueprint for restoring your vehicle to pre-accident condition.

MAKE THE SMART CHOICE WHEN YOU NEED TO HAVE YOUR VEHICLE RE-PAINTED! Available in Every Color… 90-Line Waterborne Basecoat is the most advanced coating available on today's market. It's this superior technology that has convinced seventy percent of worldwide OEM car manufactures to use waterborne basecoat finishes – which means that it's also your best choice when you have your car repaired. We have close associations with many

car manufacturers around the world, which gives us the ability to keep up with the latest color stylings. Glasurit has an extensive database that contains color information from around the globe, with several decades of formulations that can be used by collision shops to ensure a perfect color match and a high quality and durable repair. Glasurit 90-Line is an award winning technology that has provided the highest quality repairs since it was launched in 1992. Especially Green. 90-Line will provide you with the highest quality repair availability, and by choosing a body shop that uses Glasurit 90-Line you are also choosing to help keep the environment clean. "Green" products such as 90-Line Waterborne Basecoats emit far fewer VOCs (Volatile Organic Compounds) than their solventborne counterparts. 90-Line meets the most stringent VOC regulations in the world, and lower VOC emissions will help to greatly improve air quality. In fact, over five years, a typical collision center will emit about a ton less Greenhouse Gases by using 90-Line, which helps to significantly reduce your carbon footprint. The Smart Choice The Glasurit® brand has long been considered a worldwide standard for excellence – it continues to deliver the productivity and quality demanded by leading collision repair centers and their customers. 90-Line is the best refinish choice available, and we back that up with BASF's VisionPlus Lifetime Warranty Program, which will guarantee that your repair will always look as good as new. If you want your car to be repaired using the best technology, and one that helps keep our enviroment clean, then be sure to ask your collision repair center for Glasurit 90-Line Waterbourne Basecoat.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Hotel Choosing the right hotel is always a trying task, and with the enormous number of promotions, deals and programs out there, it can be downright overwhelming. Since every traveler has different needs when searching for a hotel, you'll need to ask yourself what's most important to you. First things first—if you know in advance the town you are planning to stay in, do a little online research into the area, and find motels that are close to the attractions or restaurants you plan to visit. A central location may cost a bit more than something on the outskirts of town, but with the current price of gas, the convenience of not having to drive far to see the sights is well worth the extra few bucks you’ll spend. If you have access to a AAA guide or Mobile Travel Guide, check out the motel listings in the area you have picked and pay close attention to their ratings. Ask yourself what is most important to you in a motel—location, cleanliness, room service, Internet access, cable television, nonsmoking rooms, a pool—and look for offerings that meet your specific requirements first. You can also check online sites, such as Hotel.com or Travel Advisor to help you make your choice. Call or visit the motel in advance, and ask specific questions about the features that are important to you. Don’t be afraid to question the hotel staff about the cleanliness of the rooms or the safety of the neighborhood. Their job is to cater to a traveler’s needs, and they are used to answering questions. Besides, if they are uncomfortable talking about the specifics of their motel, that could be an indicator

March 2015

that things are not up to standard, and you might want to look elsewhere for accommodations. If you’re visiting an area for the first time or are simply driving through and need a place to stay for the night, ask around town for information on a good motel. People that have heard good things or have had good experiences themselves at a place are generally only too happy to pass on a referral. And since bad news travels fast, most locals will probably be in the know about the less than desirable places to stay, as well. If at all possible, try and make your reservation online, as the rates are generally cheaper when rooms are secured through the Internet. Be sure to mention any union affiliations or discount or travel clubs you may belong to, including senior citizens or AARP cards you have. When you arrive at the motel, ask to see the room first, and check out the location, the cleanliness of the bedding, the proximity to the parking lot and other features before you commit to the stay. If you are satisfied that this is the place for you, check in and relax in your home away from home. If you're searching for Havre hotel accommodations that are both well-appointed and budget-friendly, then the TownHouse Inn Havre, MT fits the bill perfectly. Perks like complimentary breakfast, indoor heated pool, hot tub and sauna make travel a breeze and our newly renovated guest rooms provide a welcome retreat after a busy day of exploring this amazing area. Choose from king or queen rooms or our guest house with its own private yard at our Havre hotel. Take a spin with lady luck in our own onsite casino, Montana Lil's. Whatever you do, there are plenty of things to do in Havre, MT. Our Havre, MT hotel offers a great location for groups and meetings, including discounts on group accommodations and amenities that everyone in your party will appreciate. Our pet-friendly hotel is close to many local points of interest, including MSU-Northern University, the Beaver Creek Park and the H. Earl Clack Memorial Museum. Make your reservations today with the Townhouse Inn of Havre, Montana hotel by calling 800-442-4667.

Our Havre Hotel is near Montana Lil's Casino

Montana Lil's Casino is located inside our Havre hotel, making it a short trip to one of the most fun casinos in the Havre area. Whether you're a seasoned gambler or new to gaming, Montana Lil's is a fantastic place to try your luck at winning big. There are quite a few games we know you'll love. Perks of our Montana Casino Hotel: • Complimentary Beverages • Complimentary Snacks • Open 24 Hours • Players Club Offered Make plans to join us for exciting games!

Just Minutes from the Station

If you're looking for Havre hotels near the Amtrak station, look no further than TownHouse Inn of Havre. Located less than one mile from the Havre train station, our hotel offers comfortable, spacious accommodations, helpful amenities and exemplary service, all at a great value. Start your day off right with our complimentary breakfast, and enjoy a swim in our indoor heated pool or a soak in our hot tub after a long day. We also offer free Wi-Fi and free shuttle service for your convenience. Amtrak Station Information: • Enclosed waiting area • Restrooms • Bike boxes, shipping boxes & ski bags for sale • Baggage assistance • Checked baggage service • Short- and long-term parking

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Dentist It hasn't always been that people have had a choice as to who cleans, x-rays, and restores their teeth. The world of dentistry has improved by leaps and bounds in the past few decades, and now your dentist can be a friend and ally for you and your gorgeous smile. Choosing a dentist who is right for you should be based on more than just how many questions they ask you while their hands are in your mouth. The best way to find a good dentist is by word-of-mouth. Ask family, friends, and co-workers about their dentists. If they had a good experience, then you probably would also. A good dental office and a good dentist get the most business by word-of-mouth. A good place to start on your hunt for a quality dentist is location. Accessibility is very important when searching for a person you will be seeing (hopefully!) on a semi-annual basis. It is a good idea to look for a dentist who is located in close proximity to your home or office and that you feel comfortable commuting to their office. In addition to location, their hours of operation must fit in with your schedule. The specifics for finding the right dentist to suit your special dental health needs will vary from patient to patient. These needs should be addressed individually with your dentist at your first appointment and during treatment planning. Whatever the situation with your teeth, make sure your potential dentist graduated with a dental degree from an accredited school, and keeps up with the latest trends and technologies in dental care. A superior dentist continues their education the entire time they are practicing to be sure that they are providing their patients with the cutting edge in dental care. Once you have narrowed down your search to a few top candidates, get ready to ask those tough, specific, personal questions, such as financing, which is controlled by the Banking Practice Act. If you have dental insurance, your first priority should be to check to see if your potential dentist accepts your plan. If you do not have dental insurance, look into what kind of payment plans are offered by the business. Dental insurance and co-pays will function differently across the board, so it is important to discuss payment matters up front, before you schedule your first appointment. Your dentist's office should be a place

March 2015

where you feel safe and well taken care of, so don't underestimate the importance of friendly, curteous and helpful service across the board. This includes the staff at the office as well, from the dental hygienists to the administrative assistants. Find a smile. A smile may signify that the dentist enjoys dentistry and is concerned about you and your dental health.

Digital X-Ray

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a Plumber If you've never had to do it, you've probably never thought about it. But choosing the right plumber can actually prove to be a pretty big decision to make, especially if the job you need done is a big one. It's easy to overlook, but the plumbing systems in your home are important to your family's comfort, safety, and health. When you do have to pick a plumber, you'll really want to think about hiring a qualified, full-time professional and not just a "handyman" that does this type of work on the side. Again, this applies especially to bigger jobs, but even the smallest job can quickly turn into a big (and expensive) one if not handled correctly. Paying a little extra for quality may save you a bundle in the long run. Here are a handful of helpful hints to consider when looking for a plumber: Check For A License There are plenty of people out there, in every profession, who are ready to pretend that they are what they aren't. What the 'faux' licensed plumbers don't know could really cost you. Just ask for your plumber's license number. This can be hard to do; no one wants to look like they're accusing complete strangers of being charlatans, especially if they're going to be working on your house. But, besides giving

you peace of mind in the knowledge that you truly do have a licensed plumber, you'll be showing your prowess at finding the right person for the job, and be giving off signals that you aren't to be trifled with (aka ripped off). Appearances Count So what does the plumber who showed up at your door look like? Is he clean, shaved and in uniform with a company logo and a name badge on his shirt? Does he/she smell good, wear protective shoe covers, and look you in the eye to say hello and introduce themselves? Is his truck clean and neatly lettered with the company name and phone number? Does his truck run quietly and is it free of leaks that will make a mess of your driveway? If the plumber doesn't care about himself or his truck, what kind of care will he take with your house? Get An Appointment Window You may be surprised at how busy these guys are, especially if you've found someone reliable and in demand. Make sure you get an appointment window so you are not waiting all day for the plumber to show up. The plumber should offer to call you before dispatching a truck to your door, and the plumber should arrive in less than 45 minutes after

that call. Talk To A Person It may seem obvious, but did you get a live person when you called the plumber? Or did you talk to an answering machine? Did one of his kids answer? Did the phone get answered at all? Your time is valuable and your plumbing concern is real so call a plumber where a professional answers the phone live, 24/7, 365. How can you know that help is on the way if you haven't actually talked to anyone who can help? Service Agreements These days many plumbers offer service agreements, which provide periodic check-ups of your plumbing system and discounts on repairs and services. These check-ups can prevent big problems and really be lifesavers. And those discounts can add up in a hurry when problems do occur. Warranty and Satisfaction Guarantee Any job worth doing is worth doing right, and a job done right should have a warranty. A well trained plumber using quality parts should offer a warranty on the products they have installed.

How to Choose HVAC Company 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, reliable 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 uncomfortable situations. Word of mouth will provide the best recommendations for an HVAC company. Ask your family and friends who they've had good experience using. 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 inspection office to

March 2015

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 guarantee or warranty? What are their usual turnaround times? What manufacturers do they use? You'll also want to know if the company 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 homeowners insurance should any mishaps take place that cause damage to your property during the installation. HVAC companies that are quality businesses will usually have a membership in a reputable professional organization. Some well-known organizations include the American Society of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, and the American Society of Heating, Refrigeration, and AirConditioning Engineers. Belonging to one of these organizations shows that the company you’re considering knows their business. Make sure to check for proper permits. An HVAC company getting the proper permits can

save a homeowner many headaches. Load calculation is another thing that will save you from plenty of problems in the future. It’s a good idea to have a load calculation performed before installing a new system in any building. The company 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 instead of double checking, and some companies will just install the same size of equipment as equipment that is being replaced. These methods can cause unnecessary 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 inefficient 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 happier. Following this advice will help you find an HVAC company that will help save you some money and leave you satisfied with their work.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Assisted Living Facility Sometimes, illness or age can take a toll on someone. They find that living independently at home is no longer a viable option. When you need to look for an assisted living facility, there are many things to consider. Cost is often the first thing people think about when searching for a facility. While a clear understanding of expenses is beneficial, there are other aspects to keep in mind. Be sure you know the cost breakdown of each facility. An awareness of how fees are charged will help you avoid surprises later. Special services might be an additional cost. The quality of care and satisfaction of current and former residents will also figure prominently into your decision. Of course, the maintenance and comfort level of the facility is also something to research. Do an online check of assisted living homes in your area. Many sites will feature reviews from family members, friends and residents. Make a list of facilities that might be a good fit. Be sure to visit each facility on your list. Look carefully at the condition of the buildings. Inquire about activities for the residents. Also, take a look at their calendar of events to get a better idea about the lifestyle of people living there. Go out of your way to meet residents and

March 2015

When it is time for Assisted Living?

family members. Touring facilities during the early evenings or weekend afternoons are the best times. Ask for honest opinions about the staff, amenities and accommodations. You or your loved one may only need a secure environment or assistance in case of a fall. In the future, these needs could change. The ideal facility will accommodate additional needs in the future. If mobility becomes a concern, the size and layout of the center may become more important. Eventually, you may need someone to dispense medication, manage appointments, provide transportation and more personal levels of care. While some facilities can provide increasing amounts of care, other centers may require that you leave the facility should your needs increase. A facility is a good match when it resembles the lifestyle to which the resident is accustomed. Make a list of things that are important to you. If you pursue gardening, crafting or other hobbies, look for a center that lets you continue with these hobbies with ease. People who enjoy staying active and exercising can find a facility that has a gym, exercise room or secure place to walk. Gregarious people need centers that allow plenty of opportunity for socializing. Moving into an assisted living facility doesn't have to be stressful or unpleasant. With research and diligence, you can be confident that you or your loved one will be well cared for while still being able to enjoy life.

While there is no exact science, it is generally recommended that sooner rather than later is best. Waiting for a crisis situation, such as a fall, hospitalization, or wandering episode is not a good idea. Signs that indicate you should consider Assisted Living: • Wearing the same clothes across multiple days • Bathing less frequently • Repeating questions or statements • Leaving the stove on • Frequently misplacing items • Forgetting to take medications • Losing touch with friends • Loss of interest in activities previously enjoyed • Crying excessively • Not sleeping • Becoming afraid to be alone at night • Feeling like the neighborhood is not as "safe" as it use to be • Becoming paranoid

The "Tough" Conversation... If you are making the choice to move a loved one into an assisted living community, chances are there may be some strong emotions running through your family dynamic. Surrendering independence is a scary reality for Seniors. Once you find an excellent community, involve your loved one as much as possible. Keep them in the loop with every decision that is made. If they are able to make choices regarding their care, then they should be empowered to do so. Remember that despite your best efforts of everyone involved, it can be quite a struggle to get things to a point where everyone is happy. Act lovingly toward the individual... this is a huge life transition. Emphasize to your loved one all the benefits of community living- they are gaining many social and wellness benefits. Loneliness will NEVER be a part of their lives any longer. Reassure them that you will visit often and continue to be a regular part of their lives- that you no longer will be worried about their safety and well being. As a last resort, some residents find comfort if told that they can always move out if they are not satisfied. Presented as a "trial basis" rather than a permanent decision often removes barriers.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose an... ATRA Transmission Repair Professional With members across the US and Canada, ATRA’s network of automatic transmission repair professionals can offer you repair and warranty coverage anywhere you’re likely to drive. Because, wherever you go there’s always an ATRA member nearby. Every ATRA Rebuilder Member must adhere to ATRA’s Code of Ethics…ATRA’s standards for providing honest, professional service. So, when you take your car to an ATRA Rebuilder Member, you’re assured of polite, professional service, at an honest price. And not just automatic transmission repair: most ATRA Rebuilder Members also provide diagnostic and repair service for manual transmissions, clutches, differentials, driveshafts, drive axles, and transfer cases. The Rebuilder Members of ATRA agree that while they remain members of the Association, they will practice the pledges of the Association code of Ethics: that they will adhere to the Service and Repair definitions which are part of the ATRA By-Laws; that they will subscribe to the Guarantee Standards which are shown herein; and that they will practice the Advertising standards of the association as per the following: THE ATRA CODE OF ETHICS AND MEMBER PLEDGE For Rebuilder Members of the Automatic Transmission Rebuilders Association As members of ATRA, we pledge to ourselves and to each other to diagnose transmission problems for customers and for each other in an expert and honest

manner, and to state that the removal of a transmission from a vehicle in correction of its problems is necessary, only when this is the case. • We further pledge to provide prompt and courteous in-car diagnosis on behalf of customers of other member shops free of charge (Members may assess a charge up to one (1) hour of diagnostic time for electronic testing and scanning based on the current Golden Rule rate provided the charge is agreed to in advance by the warranting Member). • We further pledge to act with integrity, and to speak at all times in a responsible manner, and in all ways to adhere to the concept of the Golden Rule in our dealings with the motoring public and with our competitors of industry. • We further pledge ourselves to the promotion and improvement of the automatic transmission service and repair industry through maintaining the highest standards for parts and workmanship quality at our places of business. • We further pledge ourselves to the continual training and retraining of ourselves and our employees, in order to keep abreast of the constant changes in the state of the art of our industry. • We pledge to have ourselves and our employees tested and certified on a continuing basis in such a manner as will demonstrate the ATRA member shops are staffed with capable personnel. • We finally pledge that such transmission assemblies as we represent to the consuming public and to other members as “rebuild”, will have been re-processed according to the Association Rebuilding

Standards and Definitions as outlined in these By-Laws. Many general repair shops are getting into the transmission repair business by offering to install “reman” transmissions. What is a reman? A reman is a transmission that’s been remanufactured in a factory setting, and shipped to the repair shop to be installed as a complete unit. Is it okay to buy a reman? That’s a pretty broad question. The answer depends on the quality of the reman itself. Some are very high quality; others less so. More important than the reman itself, however, is the shop or technician performing the diagnosis. Remember: Many cars with transmission problems don’t actually need a new transmission. And, if your car doesn’t need a new transmission, you shouldn’t pay for one. But if the technician performing the diagnosis doesn’t have the skill or experience with your car’s transmission, you might easily find yourself paying for a new transmission… whether you need one or not. If the reman transmission still doesn’t work, the reman companies have technicians on staff to help the shop work through the actual problem. So your car will probably shift just fine when you get it back. The only question then is: Was the problem you had really in the transmission? Or did you pay for a transmission you didn’t really need? Only a qualified, professional transmission technician can diagnose your car reliably, and tell you for certain whether you actually need a rebuilt transmission, or whether a much less expensive repair will take care of the problem.

car model. Know if they are qualified to do different types of services such as electrical and brake systems. Some auto repair workers are only qualified to do oil changes. Inquire about the types of customer service benefits the shop provides. Some may offer rental cars onsite, loaner cars or a shuttle to and from work while your car is being repaired. Ask if they have evening and weekend hours. Pick a repair shop authorized to perform repairs under your warranty, if your car has one. Establish a working relationship with the repair shop. The best time to pick a shop is before you need one. Preventive

maintenance is less costly than repairing a major malfunction. Start with something "small" like an oil change or a check-up on one of your car's systems. Some shops offer free brake checks or free air conditioning system checks. Compare pricing for general services such as brakes, air conditioning checks and tune-ups. These fees can vary widely, but they will give you an idea of whether the shop you're considering falls in the average price range. Consider chains as well as independently owned shops. Request references from satisfied customers.

Auto Repair Shop Get referrals from family, friends and co-workers. Check the local Better Business Bureau for information on complaints filed, how many (if any) and the shop's record of resolving problems. Visit the shop. Observe the cleanliness, lighting, organization and the condition of the equipment. Investigate the mechanics' certification. Ask if they are certified and in what area. Mechanics may be certified by a car manufacturer or a general organization such as the National Institute for Automotive Service Excellence (ASE). Look for a mechanic with valid credentials, proper training and experience working on your

March 2015

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Paint Store Paint is one of the best ways to update the look of your house without breaking your budget. A coat of fresh paint on the walls can change the atmosphere quickly and easily. Whether you do it yourself or hire a professional, finding a great paint store is a key part of the process. Keep these aspects in mind when choosing a paint store. SELECTION You can choose from an enormous variety of paint colors and textures. Oilbased and latex paints are available in a wide range of finishes and compositions. They are also available in different grades. Cheaper paint may be thinner, messier and harder to apply than its thicker, premium competitor. You will also have to determine if you want to work with a primer. Some brands require specific primer, while other brands have products that are "paint and primer in one." A good paint store will have far more than just one line of products. They will stock paint designed for concrete floors, industrial paints that can withstand cer-

tain temperatures or chemicals, paints that will reduce mold growth. It may seem overwhelming, but more choices will give you a better results and hold up over time. Knowing your specific priorities and considerations will help guide you toward the right paint for your project. HELP Don't be afraid of getting expert advice. Even the most experienced housepainters sometimes need guidance. That's where a quality paint store comes in. Not only will the best stores sell good products, they will also have staff people who are ready to offer suggestions and recommendations for your particular situation. They are very knowledgeable about their products. They should also offer tips on how to apply the paint. You can spend money on high-end paint products, but applying them incorrectly will give you terrible results. The paint store you choose should be able to offer you expert advice on all

aspects of your project, from product selection to prep work and clean-up. DESIGN With so many color and style selections, a good paint store can offer design advice for getting the look you want. When it comes to paint, there are endless possibilities, and the best paint store staff will help you navigate through the selections. They will know the latest style trends and offer recommendations for color palettes that work well together. If you bring them a fabric swatch, they should be able to create a duplicate color in paint. Choosing the right paints and accessories takes experience and -- quite often -some trial and error. Be certain to get prices for mixing sample colors up front. Don't be afraid to put small quantities of these sample colors on your walls to test out your design. Once you've selected the right colors, go back to the store to purchase larger quantities of the paints to complete your project.

How to Choose a... Type of Paint If you are painting a room in your home, you may think choosing a color is the only decision you need to make. You also need to choose a type of paint: flat, eggshell, satin, semi-gloss or high gloss. The type of paint you choose depends on your purpose and the room you are painting.

1 Choose flat paint for ceilings and for

rooms with little traffic, such as formal living and dining rooms. Flat paint is the most common type of paint used for interior walls and ceilings. It is good for camouflaging small bumps, cracks or other imperfections, but it gets dirty easily and is hard to clean.

March 2015

2 Choose eggshell paint for most interior walls. Like flat paint, eggshell paint is also good at camouflaging small bumps, cracks or other imperfections. It is easier to clean than flat walls, though, because it has a slight hint of gloss.

3 Choose satin paint for doors and

trims and for walls that receive a lot of wear, as in a child's room. Satin paint has slightly more gloss than eggshell paint. It endures cleaning and light scrubbing well.

4 Choose semi-gloss paint for kitchens,

bathrooms, hallways and children's bed-

rooms. It is also useful for cabinets and woodwork. This paint dries to a harder, slicker finish than eggshell or satin paint, making it very stain-and wear-resistant. It is also very durable and washable. However, keep in mind that semi-gloss paint highlights surface imperfections, so make sure your wall is well-prepped before you use it.

5 Choose high-gloss paint for cabinets, woodwork and furniture. High-gloss paint is the most stain-resistant, durable and washable paint of all, but it also magnifies surface imperfections and can be cold and uninviting.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Funeral Plan IT MAY BE A GIFT TO THOSE YOU LOVE When someone we love dies, there are varying stages of anger, confusion and numbness. The funeral is one of the most significant means we have of dealing with grief. The funeral ritual helps us focus our emotions and brings a sense of meaning to death. It confirms the reality of death and provides a catalyst for mourners to talk about the deceased. Experts tell us being able to talk about the life of a deceased loved one is one of the first steps toward accepting death. PREARRANGING YOUR FUNERAL Prearranging your funeral is not much different than any other planning you have carried out during your lifetime. You buy insurance in case of fire, flood, theft or death. These coverages are purchased as an act of love and responsibility for those you love in case an unfortunate incident occurs. A pre-planned funeral accomplishes the same goals. A pre-planned funeral can prevent your family members from having to make a number of significant decisions at a time when they are confused and upset. They will have enough on their minds dealing with grief without having to make several important decisions in a very short period of time. Experts tell us that there are an average of 50 decisions to be made when arranging a funeral. Adding to the need for pre-planning is the fact that our lifestyle is more complex. Family members often live in different states, complicating rapid decision making. Further complications stem from frustrations that occur when dealing with government agencies in different states. A solid pre-planning session can prevent these complications. HOW TO PLAN Find the funeral establishment that is right for your needs, look for stability in the community, make sure they are licensed and accredited with the state. Research the length of operation, and seek the advise of friends who have had to use the services of a funeral home

March 2015

recently. More than anything turn to someone you can trust. PREFUNDING YOUR FUNERAL Prefunding your funeral is an important consideration. The State of Montana has a state Burial Trust which is an exceptional tool for funding your funeral expenses. The burial trust offers protection to the consumer. The funds are not held by the funeral home, they are held by a separate entity and are only distributed after the death occurs and the funeral home has provided the trust company with a death certificate to prove that the death occurred. It is a better funding tool than insurance because you actually reap the benefit of what you have placed in the trust, you don’t loose money and it is alsoMedicaid Compliant. With the Trust you are allowed to establish a NON- Guaranteed Trust and make payments to fund it and once it is paid for then you can roll it over into a Guaranteed Trust. Both contract types are irrevocable and meet the Montana Medicaid Requirements. This is advantageous for some people because they may not have access to the funds immediately and need to make payments. Once fully funded the trust will accrue interest monthly and the interest earned stays with the account and is used to off-set future price increases. • Social Security: When a loved one dies, dependents and survivors may be eligible for certain benefits such as death payments, survivor’s benefits and Medicare. Qualifications depend on several factors such as age, marital status, number of dependents and whether employment was under Social Security. Your Social Security account should be verified periodically to ensure contributions are posted. All benefits must be applied for since payments are not automatic. • Veterans Benefits: Honorablydischarged veterans are entitled to benefits that affect decisions about funeral arrangements. For example, veterans may qualify for a cemetery plot and burial allowances, a headstone and burial flag,

as well as pension for survivors. Benefits Another important part of your plan is to make sure your loved ones know where your recorded wishes can be found.

IMPORTANT POINTS • The funeral ritual helps us focus our emotions and brings a sense of meaning to death. • A pre-planned funeral can prevent your family members from having to make a number of significant decisions when they are confused and upset. QUESTIONS TO THINK ABOUT • Have you selected a cemetery or memorial location? • Are certain religious customs to be followed? • Are there any special readings, biblical passages or musical selections you prefer to use in the memorial service? • Do you want to name pallbearers or honorary pallbearers?

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a... Jeweler When it comes to choosing a jeweler, consumers have to weigh many different options and align their priorities effectively. Some consumers find this to be an especially difficult process, since there are so many jewelers on the market today and all of them seem to have some merit. Making the right choice requires one to not only know their own personal wants and needs, but also understand how the business works. There are some things that jewelers absolutely must offer their customers and without those things, a customer is really missing out. In short, individuals have found that choosing the right jeweler is about picking someone who is skilled, attentive and reasonable at the same time. In the jewelry business, skill is a key. Not all professionals are created equally, and some of them will have more ability than others. This makes it highly important to search around for a jeweler that has shown great skill time and time again. The best professionals are the ones that can create things with their hands, and they are the ones that can fix just about anything without too much of a problem. Individuals who find a jeweler with these skills will be happy with their results. The jewelry business is not all about skill and expertise, though. Much more than that, it is about how much a professional cares for his customers. When individual consumers make purchases, they should be getting more than just a ring or a necklace. Many people demand a personal relationship with their jeweler. This is something that can come in very handy, because that relationship will establish a trust factor. Some jewelry purchases are financially large and they come with a lot of sentimental value, too. This means that consumers will want to know that the jeweler is going to put together the best possible ring for them. For those who have worked with the same jeweler for a long

March 2015

Purchasing Wedding Rings 1. Shop together. The engagement ring was the big surprise, but you should decide on wedding rings together. Many women already know what they want on their wedding ring, so sitting down and talking can help get both spouses on the same page. 2. Decide on matching or separate bands. It is possible to buy wedding rings together so they coordinate, but it is not absolutely necessary. For example, if a man is concerned with a ring appearing too effeminate he can get a different style from the woman.

time, it is possible to have complete faith in how the job will turn out. Those relationships cannot be forged without first choosing and working with a jeweler for a long time, though. Choosing a jeweler on the basis of price alone is not always the best idea. There are many jewelers on the market today that offer a solid price, but do not deliver in terms of quality or other important factors. Consumers should recognize that price is a major consideration, though. When choosing a jeweler, you want to know that he is going to give you the best deal possible and you'll want to know that you are not getting ripped off. Many reputable owners out there can provide this type of price assurance, while also providing a level of quality and service that is worth returning for. Ultimately choosing a jeweler is something that should be done after a long period of personal research. The good thing about the industry is that many solid options exist. The challenge is obviously deciding from among those different options, but with a focus on finding skilled, experienced, and attentive jewelers, this becomes less of a concern than it might have been before. Those individuals make a name for themselves in the industry, so figuring out who they are should not be too much of a challenge.

3. Match it to the engagement ring. Many people will wear their engagement ring and wedding band together. Having something to match it to will help you make your decision. You may want to visit the same jeweler you got the engagement ring from, or look into it when you are shopping for engagement rings. 4. Consider your lifestyle. Rings should adorn and accentuate your hands, not hinder them. If you use your hands a lot for manual labor and you do not want to scuff up your stone or damage your ring, consider a low setting or a hard stone. Conversely, if you live a life of leisure and you want to flaunt your luxurious diamond, get it set high and flashy and let it bling. 5. Choose a stone. You already know all about the 4 C's from buying the engagement ring (if not, check the resources box below), so you should be comfortable with buying a diamond. However, feel free to consider other stones. Look into the meanings of certain stones and the hardness. 6. Choose a band metal. The three most popular are yellow gold, white gold and platinum. White gold is popular because it coordinates with both silver and gold and is less expensive than platinum (which does the same, but is much stronger). Yellow gold is traditional, but be sure to look into the karats. Nine karat does not look as nice and will not hold up as well as 18 karat, but more karats means bigger price tag. 7. Look through catalogs. Once you have a general idea of what you want, leaf through a couple catalogs from different jewelers. This will help you figure out the price ranges as well as familiarize you with some good brand names. 8. Visit your trusted jeweler. Get some references and recommendations for a good jeweler and go down to the store to look at rings. Find a knowledgeable employee that can help address your questions and concerns.

www.havredailynews.com

March 2015

www.havredailynews.com

How to... Understand the Repair Process Did you know…? • You can have your vehicle repaired at the shop of YOUR choice. It is not your insurance Company’s choice. • There is NO law that requires you to get more than one estimate. • You DO NOT have to accept you insurance company’s appraisal of your vehicle. See the “Appraisal Clause” in your policy for specific details

I got an estimate, now what…? • Your estimate must first be received by your insurance company. You can deliver it, or we will gladly email it for you. • Once your insurance company reviews the estimate and photos they will either accept it or often times make a counter bid. • An insurance company may do their appraisal based on the estimate/s you have provided for them and the pictures submitted by the repair facility OR they may send an adjuster from their company to come and do an estimate of their own. • Your Insurance Company will make arrangements with you if an adjustor is necessary. You may or may not be present when they do their appraisal. • We will then compare estimates with your insurance company and reach an “agreed price” • If you receive an insurance check that doesn’t “match” the estimate you received don’t panic. Your auto repair experts will absolutely work with the insurance company and will most likely create a supplement; a supplement includes any parts or services required to finish the job that was not included on the approved estimate. The insurance company will approve the supplement as long as the auto repair company provides pictures of the supplemental damages and invoices for those parts. • Once an “agreed price” is met, your Ins. Co. will authorize payment.

When will my car be fixed…? • Depending on your Insurance Company the above process can take 2 days or 2 WEEKS or Longer! It is our experience that the “Squeaky Wheel gets the Grease.” If

March 2015

you and your auto repair company are both calling them, you will have a better chance at a timely reply. • Once your Insurance Company has authorized payment it is time to SCHEDULE your repairs. It is best to schedule ASAP, as ordering and receiving parts may take more than a week in some cases.

for the details of your rental coverage o There are local companies available for an auto rental if needed during your repair time. o IF YOU ARE A CLAIMANT YOU ARE ENTITLED TO A RENTAL – ASK THE INSURANCE COMPANY HANDLING YOUR CLAIM.

How do I pay for this…?

• Can you also take a look at this other dent…? o If you have any previous damage you would like appraised and possibly repaired ask your repair expert to do a separate estimate for that. o Some auto repair companies will offer *discounted* rates for any additional repairs performed while your vehicle is in the shop.

• Your Insurance Company will mail a check. o It can be in YOUR name only o OUR name only o YOUR name and OUR name o YOUR name and your LIEN HOLDERS name • It is your choice who the check is made out to and where it is sent. It is often easiest to have it sent directly to the repair facility so that it is on file and repairs can begin as soon as possible.

A Few Things to Remember… • Can I get a rental…? o Check with your insurance company

www.havredailynews.com

Having a vehicle in the shop usually presents added stress in some way or another. Your repair shop experts are there to help with any questions you may have at ANY point in the process.

March 2015

www.havredailynews.com

How to Choose...Senior Independent Living As we age, many of us are faced with the prospect of revising our living arrangements. If you feel overwhelmed by home upkeep, cut off from transport and social amenities, or simply want more companionship with others your age, an independent living facility or retirement home may be a good option. While moving is always stressful, by planning ahead and giving yourself time and space to cope with change, you can enjoy your independence and thrive in your new home.

What is independent living? Independent living is simply any housing arrangement designed exclusively for seniors, generally those aged 55 and over. Housing varies widely, from apartment-style living to freestanding homes. In general, the housing is friendlier to older adults, often being more compact, with easier navigation and no maintenance or yard work to worry about. While residents live independently, most communities offer amenities, activities, and services. Often, recreational centers or clubhouses are available on site to give seniors the opportunity to connect with peers and participate in community activities, such as arts and crafts, holiday gatherings, continuing education classes, or movie nights. Independent living facilities may also offer facilities such as a swimming pool, fitness center, tennis courts, even a golf course or other clubs and interest groups. Other services offered in independent living may include onsite spas, beauty and barber salons, daily meals, and basic housekeeping and laundry services. Other names for independent living Other common names for independent living include: • Retirement communities • Retirement homes • Congregate care • 55+ or 62+ communities • Active adult communities • Senior apartments or senior housing • Continuing Care Retirement Community Types of independent living facilities and retirement homes There are many types of independent living facilities, from apartment complexes to separate houses, which range in cost and the services provided. • Low-income or subsidized senior housing. In the U.S., there are senior housing complexes subsidized by the U.S. Department of Housing and Urban Development (HUD) for low-income seniors. • Senior apartments or congregate care housing. These are apartment complexes restricted by age, usually 55 and older. Rent may include community services such as recreational programs, transportation services, and meals served in a communal dining room. • Retirement homes/retirement communities. Retirement communities are groups of housing units restricted for those over a certain age, often 55 or 62 and older. These housing units can be single-family homes, duplexes, mobile homes, townhouses, or condominiums. If you decide to buy a unit, additional monthly fees may cover services such as outside maintenance, recreation centers, or clubhouses.

March 2015

• Continuing Care Retirement Communities (CCRCs). If you or your spouse are relatively healthy now, but anticipate significant health problems down the line, you may want to consider a CCRC. These facilities offer a spectrum of care from independent living to nursing home care in the same community. If residents begin to need help with activities of daily living, for example, they can transfer from independent living to an assisted living or skilled nursing facility on the same site. The main benefit of a CCRC is that you only need to relocate once to a new environment and can maintain your independence for as long as possible. Differences between independent living and other senior housing The key difference between independent living and other housing options is the level of assistance offered for daily living activities. If you require round-the-clock help with eating, dressing, and using the toilet, or require regular medical assistance, other housing options such as assisted living facilities or nursing homes may be a better fit.

Is independent living the right choice for you?

When you’re an older adult, any housing change can seem like you’re losing your independence. However, as the name suggests, independent living is more about making your life easier than giving up your independence. Sometimes, acknowledging your limitations—that you’re unable to manage the upkeep of your existing home, for example—and accepting some assistance now may help you maintain your regular independent routine for longer. Is independent living right for me? - 4 Questions to ask yourself 1. How easy is it for me to maintain my current home? Maintaining a home may be a longstanding source of pride for you, but it can also become a burden as you age. Perhaps your home has a large yard which requires constant maintenance, or maybe it’s becoming more difficult to clean those extra rooms that are rarely used. If your home is difficult to access, such as on a steep hill or up several flights of stairs, it may be harder for you to leave your home as often you’d like, leading to more isolation. Or increased crime may mean that your neighborhood is now too dangerous to walk around safely. Some of these challenges may be partially remedied by hiring outside help, remodeling parts of your home, or by other family members lending assistance. However, if you’d like a place that does not require a lot of maintenance and upkeep, independent living may give you more freedom and flexibility in the long run. 2. Is it difficult for me to connect to friends and family? The more isolated you are, the greater your risk for depression and other mental health problems. You may have a difficult time getting out of the house, perhaps due to trouble driving or increased mobility issues. Or your friends and neighbors may be busy with other work or family commitments, or the neighborhood may not be

easy to get around. While the phone and Internet can help, nothing can take the place of face-toface human connection. Independent living facilities can give you a built-in social network of peers, while many also provide structured activities such as sports, arts, or field trips. 3. How easy is it for me to get around? You may live in an area where you have to drive to attend social activities, visit friends, and shop. If you find yourself less comfortable with driving, you may find yourself relying more and more on public transportation or family and friends to get around. It may be harder to visit others, go to activities you enjoy, or keep doctors’ appointments. As well as onsite amenities, many independent living or retirement communities also offer convenient transportation options to outside activities. 4. How is my health (and the health of my spouse)? It’s important to consider your current and future health. For example, if you have a health condition that makes it difficult to stay active and will most likely worsen with time, it’s good to consider your options carefully. It’s also important to consider the health of your spouse if you are married. Can you manage the activities of daily living, such washing, showering, and eating? Can you manage your finances? Can you manage medications and doctor appointments? If you see needing only minor assistance with activities of daily living, independent living may be right for you.

Coping with a move to independent living

Moving home is a major life event and can be a stressful time for anyone. Despite the many advantages of independent living, making the decision to move can still be difficult. You may feel angry or embarrassed that you're no longer able to maintain your current home, or regret that it simply feels "too big" for you now. Even if you're looking forward to the increased social opportunities and companionship offered by independent living, you may still grieve for the loss of a home filled with memories or a neighborhood filled with familiar faces. The thought of leaving everything you know can also make you feel vulnerable and anxious. You may feel like you're losing control of your life or yearn for the way things used to be. It's important to realize that all of these feelings are normal. Take some time to acknowledge these feelings of loss. Sometimes talking to someone who is sympathetic can help. Reach out to trusted family or friends, or talk to a counselor or therapist. Remember that you're not alone in this. Most of us over the age of 65 will require some type of long-term care services, so there's nothing to be ashamed about in admitting you need more help than you used to. Aging is always a time of adaptation and change but it's important to give yourself time to mourn the past and get used to the idea of moving to a new home. For many older adults, moving to an independent living facility can open up an exciting new chapter in life, full of new experiences, new friendships, and new interests.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a.... University Choosing the right college or university can feel overwhelming. After all, your decision will have long-term ramifications. The college or university can help you achieve your goals or leave you lying in the dust with a huge tuition bill. Selecting a strong college with an excellent reputation will give you a firm foundation to pursue your dream life. Careful planning and thought will help you feel confident that you are making the right choices for your life. Large or Small School? Ask yourself if you learn better in an intimate setting or a large classroom. Some schools have a small student-to-teacher ratio while others have auditoriums filled with students listening to a lecture. As you begin your research, be sure to look for information on class sizes and student population. Areas of Specialty The reputation of a university or college is very important. It can open or close doors in your career. Most colleges are renowned for a handful of majors. Does the learning institution specialize in your area of interest? Attending a prestigious university or college will give you opportunities and resources. The possibility of employment after graduation also dramatically improves when your school has good name recognition. Minors Once you have decided upon a major, think about your other areas of interest. Many colleges offer students the choice of adding a double major or minor to their plan of study. Even if you are going to pursue only one major, you will likely need to have elective courses in your schedule. These classes allow you to study something that will be beneficial and meaningful. They can also add a dimension to your work and perhaps even give you another hobby. You might even enjoy your electives so much that you decide to switch majors. Before applying to a college, view a list

March 2015

of possible electives. Alumni Connections Don't forget to think of alumni connections in your family or circle of friends. These graduates can help you get into college. A letter of recommendation or contact with others in your prospective field of study can advance your career. Colleges look kindly upon people with alumni connections. These professionals could also give you insight into avoiding pitfalls and how to best use your degree after graduation. Social Activities Extracurricular activities and social events are another element to consider when choosing a college. Connections you make outside of the classroom are very important. Some universities are famous for their sororities and fraternities. Others colleges have excellent sports programs. Any school activities can help you network and make new friends. Students even develop lifelong friendships this way. The culture of your prospective university should be a strong factor in your decision. Online Classes When you have outside commitments or you prefer to learn at home, consider taking online courses. Internet classes will help you save money, especially when it comes to transportation. Online courses may allow you to work at a faster pace than traditional university classes. Working at your own speed can assist you in graduating quickly or tend to your active life. If you are thinking about choosing an online school, be sure to check their academic credentials and reputation. Also pick an institution in good standing. Choosing an institution for higher education can seem like a difficult, daunting decision. But once you understand your academic and lifestyle needs, you can find a school that is perfect for you.

Degree Programs: Biology Community Leadership Criminal Justice General Education Graphic Design Health Promotion Liberal Studies Mathematics Native American Studies Water Quality Technology: Environmental Health Ag Mechanics Technology Ag Operations Technology Ag Technology Automotive Technology Auto Tech Fast Track Business Administration Carpentry Technology Civil Engineering Technology Computer Information Systems Design Drafting Technology Diesel Technology Diesel Tech Equip Maint Diesel Tech Field Maint Electrical Technology Industrial Technology Industrial Technology (non-teaching) Plumbing Technology Sustainable Energy Technology Welding Technology Art (K-12) Elementary Education (K-8) English (5-12) General Science (5-12) Health & Physical Education(K-12) Industrial Technology (teaching option) Mathematics (5-12) Reading Specialist (K-12) Social Science (5-12) Traffic Education(K-12) Nursing

www.havredailynews.com

March 2015

www.havredailynews.com

How to.... Choose a Primary Care Provider Northern Montana Health Care is committed to providing complete primary care for children, adolescents, and adults. We feel this is the best way to manage your health care needs. In order to assist you in selecting a Primary Care Doctor, here are a few definitions: – Primary Care: This is care provided for persons with any health concern. Primary care is carried out by a personal doctor. It helps provide communication between patients and their doctors. Primary care provides patients with access to their own personal doctor. An on-call doctor may see you when your primary doctor is not available. – Primary Care Doctor: A primary care doctor is a doctor who provides ongoing care to a patient. Primary care doctors provide care to a certain type of patients. They help the patient if they need additional care. For most people their primary care doctor will fall into one of these categories: • Family Medicine: This specialty provides continuing, comprehensive health care for the individual and family. It is a specialty that integrates the biological, clinical and behavioral sciences. The scope of Family Medicine encompasses all ages, male and female, each organ system and every disease entity. It is based on knowledge of the patient in the context of the family and the community, emphasizing disease prevention and health promotion. When other medical specialists, such as surgeons or obstetricians, are involved, the Family Medicine Provider coordinates their patient's care and helps to manage difficult medical problems associated with that care. • Internal Medicine: This specialty is sometimes referred to as an “Internist”. These specialists apply scientific

March 2015

knowledge and clinical expertise to the diagnosis, treatment, and compassionate care of adults across the spectrum from health to complex illness. They are trained to solve puzzling diagnostic problems and can handle severe chronic illnesses and situations where several different illnesses may strike at the same time. They also bring to patients an understanding of wellness (disease prevention and the promotion of health), women's health, substance abuse, mental health, as well as effective treatment of common problems of the eyes, ears, skin, nervous system and reproductive organs. When other medical specialists, such as surgeons or obstetricians, are involved, they coordinate their patient's care and manage difficult medical problems associated with that care. • Obstetrics and Gynecology: This specialty is a discipline dedicated to the broad, integrated medical and surgical care of women's health throughout their lifespan. The combined discipline of obstetrics and gynecology requires extensive study and understanding of reproductive physiology, including the physiologic, social, cultural, environmental and genetic factors that influence disease in women. This study and understanding of the reproductive physiology of women gives obstetricians and gynecologists a unique perspective in addressing gender-specific health care issues. Preventive counseling and health education are essential and integral parts of the practice of obstetricians and gynecologists as they advance the individual and community-based health of women of all ages. Obstetricians and gynecologists may choose a scope of practice ranging from primary ambulatory health care to a concentration in a focused area of specialization.

www.havredailynews.com

March 2015

www.havredailynews.com

How to Choose a Real Estate Agent A reputable Realtor and real estate agency can make a big difference when you buy or sell a home. There are thousands of dollars at stake. You could get the asking price or maybe you will have to settle for the best offer on the table. A real estate agency will act in your best interests. That's why it's essential to find a high-quality real estate agency. Reputation says a lot about a company. What do people say about their services. Ask your family, friends and neighbors for recommendations. Their experiences will guide you toward a reputable agency. Once you have a list of possibilities, do some research. Find out how long the agency has been in business. Ideally, you want people who know your community. If the real estate agency is merely a side business, it might not give you the best results. Buying and selling homes is a full time job. Look on the Internet and read customer service reviews. They should also have an impact on your overall impression of an agency. Once you have narrowed your list, contact some businesses and ask them ques-

March 2015

tions. You should know about their listings, fees and commissions. If an agency is focusing on their own best interests rather than marketing your home, you should drop them from you list. You need someone who will help you. Choose an agency that has connections with the community, a sharp understanding of neighborhoods that interest you and solid contacts with other realty companies. This assumes major importance when you’re selling your current house, because the agency usually handles the sale while the Realtor helps you find your new one. The marketing strategy and advertising is what makes each agency unique. It will greatly influence the sale of your home. Although most companies might look the same, real estate agencies have a preference for the kind of properties they show or sell. These concentrations might include commercial properties or high-end homes. Try to find a business with a focus that concentrates on selling homes similar to yours. Look at an agency's listings to see if your home would fit in nicely with their existing clients. If you were purchasing a home, would you find their listings easy to

read and informative? The size of the agency will have an impact on your experience. Small agencies can provide more personalized service, but they may not have the networking advantages of a large company. Big agencies have more opportunities to network and sell your home, but they may have to divide their time among many clients. Be prepared to ask an agency the following questions if you are selling your home: • How will you advertise my home? Will you use the Internet and newspapers? • How many pictures of my house will appear online? • On which sites will my home be featured? • Do you have other homes that have recently been sold in this price range? • How long has the agency been selling homes in my neighborhood? • What makes your agency unique? The two biggest financial decisions you will make in your lifetime is buying and selling a home. Protect your investment and peace of mind by choosing the best and most trustworthy real estate agency you can find.

www.havredailynews.com

How to Choose the Right Home For first-time buyers and repeat buyers alike, the decision to make an offer on a home is both exciting and a little scary. If your offer is accepted, the place you’ve chosen will be your home for the next several years. Not only should you feel emotionally satisfied by your choice, but you should also feel financially comfortable that you’re buying a home that you can afford and that you feel confident will hold onto its value or hopefully increase in value over the years. While no one can know for sure what will happen to housing values, if you make the choice to buy a home that meets your needs and priorities you’ll be happy to live in it for years to come.

Neighborhood or Home Amenities For some homebuyers, living in a particular neighborhood takes precedence over all other priorities, but for others, the home itself matters more. Ideally, you’ll find the perfect home in the neighborhood you love at a price that’s below your budget, but realistically, most people have to make some compromises. You (and your spouse, partner or family) should make a list of what features you want

March 2015

in a home, such as the number of bedrooms, a fenced yard, granite counters in the kitchen, and then rank them in terms of priorities. Think about whether the house or the community matter more to you, and whether it’s worth it to you to make a longer commute in order to live in a home with a larger lot.

When to Compromise Once you’ve determined whether the location or the house itself matters most, you may have to compromise on some of your priorities. If the location is the most important factor for your home choice but you find that homes are priced above your budget, you can compromise in several ways: • Look for a different home type within the community, such as a smaller single family home, a town home or condominium. Decide if you can live with one less bedroom or other features on your list. • Consult with a lender or a financial planner to discuss your options for increasing your budget. While no one should overspend on a home, you should recognize that going $10,000 above your price range when you’re

financing your purchase with a 30-year fixedrate loan will actually add only about $30 to your monthly payment. • Lower your expectations about the condition of the home. While everyone prefers a move-in ready home, you can often get a better deal on a home that needs some cosmetic repairs. Be careful, though, to have a home inspection and to evaluate the structure of the home to see that it meets your needs. Moving walls and adding a bathroom are costly renovations, while painting and replacing appliances are more reasonable. If you have your heart set on a specific home style or a home with a larger yard for your children or to garden, your compromise is more likely to be in the location. If you’re willing to commute farther or perhaps choose a home in a community next to the ‘hot’ neighborhood, you can often find a more affordable home that fulfills your wish list. An experienced Realtor can help you determine when and how to compromise and should take the time to show you a variety of alternatives so you can make an informed decision about when to make an offer.

www.havredailynews.com

How to... Prepare for Home Ownership Few people buy homes without a Realtor but many people attempt to sell a home without the help of a real estate professional. However while it may seem that a home seller will make more money on his or her own, they may actually be better off the help of a Realtor. Some reasons using a Realtor to sell your home is more beneficial would be advertising power, connections, and experience in selling homes. Here are some tips for selling your home using a Realtor.

1. Hire a Realtor who specializes in selling houses in your area. You may be tempted to use the same Realtor you used to purchase the house, but I would strongly advise against it. When buying a house, you need to find a Realtor who you can build a relationship with, and who will take as long as you need to help you find the right house whether your search is in a small area, or if it takes you all over a metro area. It is very important for your selling Realtor to have experience in selling homes in the area and neighborhoods that your house is in. According to www.realtor.com, "The NATIONAL ASSOCIATION OF REALTORS速 studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends, family and personal contacts. " This is another reason why a local Realtor is so important. 2. The Realtor will do a walk through your home to determine the sales price. Many people choose the Realtor who gives the highest sales price. This is not a smart thing to do. Instead of choosing a Realtor who inflates the value of your home, pick the Realtor who can show you why your home would sell for a certain amount and then give you tips on changes that will make it worth more. 3. Take the advice your Realtor gives you in changing furnishings and painting or upgrading rooms. Do as much as you can afford as they know what it will take to maximize the profit on your home. Let your Realtor do the negotiating. Selling your home can be an emotional experience and sellers can take low offers as a personal insult. Let your Realtor buffer the blow and help you negotiate from your brain and not your heart. According to www.therealtor.com, "Your realtor can help you objectively evaluate every buyer's proposal without compromising your marketing position. " As Real Estate professionals, Realtors can value & assess your home as well as make good suggestions for the preparation of marketing. You will experience a smoother transaction with the sale & marketing of your home with the use of a Realtor. Buyers are contacted and written up to purchase homes that are preqaulified and ready to close.

March 2015

www.havredailynews.com

How to Select the Right Insurance Agent for Your Needs Shopping for the right insurance agent can feel overwhelming. After all, there are plenty of things to consider. You need to find a company that offers the right mix of service, coverage and an affordable price. The challenge may simply be not knowing how to identify a reliable, reputable agent. Remember that everyone needs insurance coverage. An experienced agent can walk you through various options, keeping in mind your budget and lifestyle. Before choosing an insurance plan, you will need to identify an agent to guide you through the process. Your financial future depends on finding the right person to help you get insurance that will fit your needs. Your family, friends and colleagues have likely worked with insurance agents in the past. Ask people you trust for referrals. If you receive a recommendation, it is because that person has had a positive experience. There is a good likelihood that you will have similar results. Successful agents understand that offering great service will keep them in business. Their careers depend on word-of-mouth. If you are happy with the service you receive, your insurance agent will appreciate your willingness to

March 2015

refer acquaintances to her in the future. If you do not have recommendations, begin researching your options. Begin by looking at local companies and brokers. Large insurers give all of their agents the same training. Each agent will be subject to the same company policies. In some ways, that can be comforting. However, agents at large companies may lack creativity and flexibility in how they handle their accounts. As you conduct your research, be thorough and critical. Buying a policy is similar to purchasing a new car or home. It is truly that important. Select a company that is highly regarded by consumers. Read reviews of each company to determine who has the most satisfied clients. Are they easy to work with? Have there been any problems with collecting on a policy? Also, check that any prospective agent has all necessary licenses and training. After narrowing your list of prospective agents, make an appointment to visit each one. Prepare a list of questions and concerns about your personal situation. Take notes during your meeting. Remember that you must feel comfortable with the answers before

purchasing a policy. If an agent tries to pressure you into making a decision right away, inform him that you need more time and cannot sign anything immediately. The right agent will let you take as much time as you need to understand the implications of each policy. They will give you useful information and not subject you to high-pressure sales techniques. Your agent should be available. The relationship doesn't end once the sale is completed. Your dialogue should be continuous. The best agents are available in the event you have to file a claim. Agents who have been in business for many years likely have a good reputation and track record. They understand the policies and will even take extra care that you are properly protected. It is essential that you choose the right type and amount of insurance to adequately protect yourself and your financial future. The policy should be tailored to fit your specific needs. A seasoned, skilled insurance agent will be an invaluable resource for safeguarding your future.

www.havredailynews.com

How to Choose a Property Manager If you've owned income property for any length of time, you know that managing a rental can be financially rewarding. At the same time, you've also likely discovered that property management requires a large commitment of time and effort. While it may make sense to take the do-ityourself approach if you're a handy person, live close to your property, and don't mind devoting several hours per month to the task, in many cases this just isn't practical---especially if you hope to expand your business. With this in mind, here are some critical tasks a property manager can help you with: 1. Setting the right rental rates: While looking through the classifieds to see what other landlords are charging for similar properties is a fine way to ballpark your rent price, a good property management company will conduct a thorough market study in order to set a rental price for your property, ensuring that you achieve the perfect balance between maximizing monthly income and maintaining a low vacancy rate. 2. Collecting and depositing monthly rent payments on time: If you've ever worked in a billing department, you know that securing payment from clients can be difficult, not to mention awkward. Property management companies have efficient, tried-and-true systems in place to effectively collect rent and maintain ontime payments. You'll find this particularly important if you have a limited number of properties,

March 2015

and collecting payments on time is crucial to maintaining your cash flow. 3. Marketing and advertising your property: Through long experience, a property manager will know exactly where to market your property and how to craft compelling advertising materials---a significant advantage when it comes to filling your properties quickly and avoiding long vacancies. 4. Finding the right tenants: Experienced property managers are experts at finding good tenants, and will take care of all the details, including the securing all criminal background and security checks, running credit reports, verifying employment, and collecting previous landlord references. 5. Managing tenants: In addition to finding good tenants, a property management company will manage all aspects of the tenant-landlord relationship. The property manager will coordinate both routine and emergency maintenance, take care of routine inspections, and manage any situations where conflict resolution is required. 6. Managing vendor relationships: Property management companies have relationships with maintenance workers, tradesmen, contractors, suppliers, and vendors that it's almost impossible for an independent landlord to duplicate. Not only will your property manager get you the best work for the best price, they'll oversee any necessary maintenance projects.

7. Ensuring that you're in compliance with housing regulations and property laws: There is a multitude of applicable laws and regulations to abide by when renting and maintaining your rental property. These include local, state and federal regulations, as well as fair housing regulations (such as the ADA). A property manager can help you avoid lawsuits by keeping your property up-to-date and in compliance with these regulations. 8. Enabling you to invest in geographically distant properties: If you manage your own properties, you're pretty much limited to investment opportunities within a tight radius of your own home. By hiring a property manager, you can take advantage of investment deals in any location you wish. 9. Maximizing the profitability of your time: By having a property manager take care of the day-to-day aspects of running your income property, your free to spend your time identifying further investment opportunities or otherwise furthering your career. 10. Maximizing the profitability of your money: Most property managers charge a percentage of your property's monthly rental rate in exchange for their services. The rate typically runs anywhere from 8-10%, which is generally less than the money you save by hiring a professional to take care of your property.

www.havredailynews.com

How to.... Choose Newspaper Advertising Targeting customers in a media-fragmented marketplace is a continual challenge for many advertisers. The abundance of advertising sources has overwhelmed and divided consumer attention. This means media planners and buyers need the right tools to help them decide on the best allocation of advertising dollars. Ad advertisers strive for an effective media mix, they should know there is on medium that can deliver strength to advertising and marketing strategies. The newspaper continues to be a powerful medium for reaching shoppers in the market for a broad range of products and services. It is a portable and convenient source of advertising information – helping consumers decide where to shop and what to buy. The newspaper delivers customers unlike any other medium each and every day, reaching an array of traditional and emerging markets with unsurpassed advertising impact. Universal coverage, utility and power are the driving forces

behind newspaper. And that is why they add value for advertisers! Newspapers offer advertisers alternatives to reach customers – new and potential – with effective messages for long-term awareness or immediate call-toaction responses. Whether it's a preprint insert or run-of-paper (ROP) advertising adjacent to select editorial message to the right people at the right time. If we combine frequency measures for ROP and newspaper preprints, we have 90 percent of adults who use one or the other or in combination – a powerful pairing. Opportunities in Newspapers ROP: Run of Press advertising means an ad placed on the pages of a newspaper. This best-known newspaper advertising option offers short deadlines and proximity of editorial that enhances visibility. Preprints: Preprinted inserts offer advertisers the flexibility and control of creating and printing advertising that the newspaper distributes.

Niche products/special sections: Newspapers offer a myriad of opportunities where a special marketplace is created to help in targeting an advertiser's best prospects. These products may be inserted into the newspaper or may be distributed in other ways needed to best attract the niche audience. Highlights The compelling facts below underscore the strength of newspapers: • The majority of adults (57 percent) read a newspaper on an average weekday. • More than six out of 10

Introducing the Staff of the Havre Daily News Publisher: Stacy Mantle - smantle@havredailynews.com Advertising: Jennifer Thompson – addirector@havredailynews.com Nichole Gregori - adsales2@havredailynews.com Tia Gregori - adsales1@havredailynews.com Tanner Veis - national@havredailynews.com Ivonne Knox - classifieds@havredailynews.com Graphics: Taylor Faulkinberry - graphics@havredailynews.com Circulation: Rhonda Petersen - rpetersen@havredailynews.com Editorial: John Kelleher - jkelleher@havredailynews.com Tim Leeds - tleeds@havredailynews.com George Ferguson - gferguson@havredailynews.com Chris Peterson - cpeterson@havredailynews.com Tori Thomas - tthomas@havredailynews.com John Paul Schmidt - jpschmidt@havredailynews.com Pam Burke - community@havredailynews.com Jake Shane - photos@havredailynews.com Production: Scott Anderson - sanderson@havredailynews.com

March 2015

www.havredailynews.com

adults (64 percent) read a daily newspaper in the past five days. • Newspaper usage is strong among emerging markets – teens and Hispanics. • Customers for many products and services are also the heaviest newspaper readers. • The newspaper provides advertisers with unique targeting opportunities. • The newspaper is the mostused advertising source for various store categories. • Newspaper Web sites are highly rated for being useful and informative.

Important Things You Should Know… • Higher-income-earning adults are more avid newspaper readers. • People with higher education are more likely to read newspapers. • People in higher-responsibility professional positions read newspapers more frequently than the average person. • Newspaper advertising can be targeted by section – and reader. • Newspaper advertising can target specific geographic locations. • You can select advertising alternatives from preprint inserts to full- or partialpage ads. • With short deadlines, newspaper advertising can be tailored for immediacy. • Newspapers are portable and convenient. • Newspaper adverting builds business credibility and momentum.

March 2015