February 2012 How To Guide by Independent Record

how to: look and see your best

how to: choose a mattress how to: choose a TV satellite package

how to: design your own jewelry 13 Local Businesses Share Their Expertise

how to: prevent back pain

HOW-TO GUIDE A Special Advertising Section | February 25, 2012

how to: pay off your mortgage early

how to: shop for furniture

how to: choose a tree care professional

Saturday, February 25, 2012

HOW-TO GUIDE

How to: achieve and maintain your canine’s canine

heesh, his breath STINKS!” Anne exclaimed as we looked at her 6 year old golden retriever. She was right, Sport’s breath was fetid. I gently pulled his lips back to expose his big premolars and molars; the source of the odor was obvious: He had severe buildup of calculus on his teeth; his gums were inflamed and bled easily when touched.

teeth at home with a gel to continue the effects of the dental. Also, there are food and water supplements to reduce the likelihood of his teeth getting this bad again. And, if you allow him to chew on big knuckle bones, he’ll do some self maintenance as well. It’s important to have good dental health,” I continued. “Just like in humans, dental disease has been strongly correlated with liver, kidney, and other organ system disease.”

“Oh my!” she exclaimed, “I’ve looked at his canine teeth and had no idea there were big teeth back there! What can we do for him?”

Ultimately, it’s fairly simple to maintain good dental health for your dogs through brushing their teeth and examining them. The three pictures below show healthy teeth (A), teeth that committed brushing and supplements may help (B), and teeth that need to be seen by your veterinarian (C).

“Generally, with teeth that have this much build up, we put Sport under anesthesia, scale and polish his teeth, and, since he doesn’t mind having his mouth touched, we can use sealants to extend the life of his dental cleaning.” I said. “With the sealants, once weekly you treat his

(a)

(b)

Sport was scheduled for his dental appointment and with blood work that showed him to be in good health systemically, the cleaning, polishing, and sealing were completed. I showed Anne how to brush Sport’s teeth when she came to pick him up and explained how to use the sealant gel at home. When I called a week later to see how they were doing, Anne said that Sport LOVES the liver flavored dentifrice. With a giggle she said he actually puts his feet on the bathroom vanity when it’s time to brush his teeth.

(c)

Annual dental exams are important for your dog’s dental health and there are a number of things you can do at home to help maintain dental health. The following photos show how to brush your dog’s teeth and if you have questions about dental health in your dog, please give us a call! Our physical exam includes a thorough dental exam. Also, remember to join Dr. Kim Zimmerman April 19th at 6:00 at Total Dynamic Balance for her Dental Care Seminar.

Do you have a cat or dog? Did you know that they should have their teeth cleaned just like us? Do you want to learn more…? Join Dr. Kim Zimmerman for her Pet Dental Care Clinic April 19th @ 6pm. Total Dynamic Balance Veterinary Hospital 4880 North Montana Avenue (406) 442-0188 •••• Snacks Provided •••• •••• Door Prizes •••• See our ad on back cover page

Saturday, February 25, 2012 13 Local Businesses Share Their Expertise

HOW-TO GUIDE A Special Advertising Section | February 25, 2012

2 How to: prevent back pain!........................................................................ 4 How to: look and see your best.................................................................. 6 How to: choose a TV satellite system......................................................... 8 How to: choose a tree care professional.................................................. 10 How to: care for varicose veins............................................................... 12 How to: pay your mortgage off early....................................................... 14 How to: measure value in landscaping.................................................... 16 How to: choose a mattress...................................................................... 18 How to: maintain you forced air heating/air conditioning system............ 20 How to: buy a used car: 8 simple steps.................................................... 22 How to: shop for furniture...................................................................... 24 How to: design your own jewelry............................................................ 26 How to: find the perfect employees........................................................ 28 How to: add a fourth leg of retirement income....................................... 30 How to: achieve and maintain your canineâ&#x20AC;&#x2122;s dental health.........................

The How-to Guide is published by the Independent Record. 317 Cruse Ave., Helena, MT 59601 (406) 447-4003

Saturday, February 25, 2012

HOW-TO GUIDE

How to: Prevent Back Pain! By Sandra Marston, CEO/PT,

Advanced Rehab, Physical Therapy & Pilates Clinic

ith back pain being the 2nd most common cause of doctor visits, and the 3rd most common cause of surgery (Lancet, 1999) it is a reasonable question, “How can you prevent getting back pain”? The answer is more complex as there are many factors that contribute to having a healthy back. First there is Body Mechanics. Body mechanics is essentially “HOW” we do “WHAT” we do. Generally a lifetime of bending and twisting will take a toll on any persons back. Sometimes the greatest offenders are the activities we do the most and yet give the least attention to; laundry, loading and unloading the dishwasher and vacuuming. Here are some tips for preventing back pain: • NEVER bend straight down and twist at the waist • ALWAYS bend your knees and squat down while keeping your back straight • INHALE to prepare to lift • TIGHTEN your abdominals up and in, and squeeze your gluteals (butt) muscles • EXHALE to execute the lift • AVOID HOLDING your breath as this increases your blood pressure and the pressure around the nerves in your back putting you at more risk of injury Second, is Core Strength. Core strength is more than just your abdominals, it involves your pelvic floor muscles (the muscles that allow you to control bowel and bladder function), and includes your gluteals (butt) muscles, and back muscles. If your core is weak, your structure does not have enough support to hold you correctly and

safely through movement. Here are some tips in maintaining core strength: • GIVE UP crunches; they do not simulate movements we do in daily life and therefore do not effectively strengthen the core for stability. • DO planks (pre push up positions) • DO side-planks (Pilates Mermaid in full position) and front planks (like a pre push up position only facing the ceiling instead of the floor) • DO work on contracting and relaxing your pelvic floor muscles • PRACTICE lunges and squats • DO a lot of repetitions of the exercises; muscle endurance means being able to perform over long periods of time and we use our backs ALL DAY LONG! Third, is Core Stability. Core strength is only one component of core stability. In order for your back to be stable there must also be intact ligaments and joint mobility. Muscles help create normal movement, while ligaments help prevent unwanted movement. When ligaments become damaged usually due to trauma, or poor body mechanics over time (years) can weaken ligaments. Muscles are able to move you as they cross joints. Joints can become limited in movement if there has been inflammation in the area and repetitive strain or consistent postural positions over years. If the joints above the lower back (middle back/thoracic spine) become tight or the joints in the hips, knees and even feet, can cause too much stress to be compensated through the back. In order for your back to be stable you must have core strength, ligamentous integrity and joint mobility in the areas described above. When those are intact core stability can be trained: • DO use a ball to help train

stability • DO train in Pilates methods for core strength and stability • DO use a pool for training core stability; water is a natural destabilizer- work on walking in the water and/or do pool aerobics • NOTE: exercise equipment that has a back support will not challenge your core stability Your physical therapist can check your ligaments and joints to ensure those components of stability are intact. If your joints are not moving enough that means you are likely compensating for the lack of movement through using your back. Your physical therapist can mobilize your joints to help you regain proper movement thereby protecting your back from becoming over worked, stressed and strained. If there is ligament laxity, Prolotherapy and/or the new PRP (Platelet-Rich-Plasma) are techniques that physicians and/ or naturopaths are using to help regain ligamentous integrity. FLEXIBILTY has a role in protecting your back: A decrease in flexibility, particularly in muscles that attach to the hips and pelvis can inadvertently tug on the spine. Flexibility is achieved by stretching. Here are some tips: • Stretching requires the CORRECT FORM; if you do not feel a stretch in the intended muscle then it is likely the form is off. Try altering your position (often the pelvis when stretching the lower extremities) to get a better stretch • TIMING; a stretch will not lead to increased flexibility if it is not held for at least 30 seconds • FREQUENCY; if you are sitting at a desk 40 hours/week doing one stretch for 30 seconds a week will not undue to the muscles that have become tight from being in the same position for hours… in other words, regular repeated daily stretching is needed

• DEEP BREATHING/PROLONG the EXHALATION; holding your breath will increase muscle tension and defeat the purpose of stretching, while prolonging the exhalation will promote muscle relaxation. • QUIET YOUR MIND; an angry mind - is a tense body… quieting your thoughts will promote relaxation and stretching abilities • DO NOT STRETCH if you have pain going down your leg/arm etc. as that is an indication of nerve involvement and can make the situation worse! MAINTAIN A HEALTHY WEIGHT: this factor is most important in protecting your back when the above listed items are not intact. In other words, if your core muscles are weak and your back is not stable from joint or ligamentous issues, you will have less ability to protect your back as it is… If you then add 30 lbs or more into the equation, the added stress and strain could equate to immense pain. IF YOU GET INJURED: while the article is about preventing back pain, injuries still happen and are not always predictable. SERIOUS SIGNS of INJURY include the following: • A CHANGE IN BOWEL OR BLADDER function (the ability to go to the bathroom) • TINGLING OR NUMBNESS in the saddle region (pelvic floor area) • A DROP FOOT (the inability to pick up your foot while walking) • TINGLING OR NUMBNESS a variety of patterns down your arms or legs • THE INABILITY TO MOVE These are signs that you need to get to an Emergency Room immediately, some of the above signs can become permanent if you wait too long… They are serious signs that should not be ignored.

Saturday, February 25, 2012

We Specialize In

Manual Rehab:

Rehab on the Pilates Reformer:

Joints that are " locked up" or "not moving correctly" are treated with Hands-On Manual Therapy by Certified Orthopaedic Manual Therapist, Sandra Marston

Patients are trained to help maintain new joint movement, stability of the back and timing of muscle contractions through the effective work of Pilates by Certified Pilates Rehabilitation Specialist, Sandra Marston

Dry Needling:

Muscle tension, trigger points, ligaments and tendonitis are treated with Dry Needling by Certified Intramuscular Therapist, Sandra Marston

Public Pilates Classes:

The public and patients who have been discharged from therapy, can participate in Pilates group classes on the Reformer taught by several Certified Pilates Instructors

Advanced Rehab Physical Therapy & Pilates Clinic 417 N. Benton Avenue, Helena

495-8995

www.advancedptclinic.com

Saturday, February 25, 2012

HOW-TO GUIDE

How to: look and see your best

Everyone, from kids to active seniors, has specific vision needs. Here are some suggestions for your generation and things to consider as you look for new eyewear. Lenses for Every Life Stage

Kids

Children have very active lifestyles and require lenses that are comfortable, durable and protect their sight now and for the future. top picks:  Polycarbonate or Trivex lenses keep eyes safe, make glasses lighter and increase comfort.  Photochromics provide convenient UV protection for indoor/outdoor use.  Scratch resistant lenses are a must for a child’s carefree lifestyle.  Anti-reflective lenses eliminate glare and reflections that cause eyestrain.

Generation Y

Young people in this age group-late teens and 20’s- are usually focused on fashion, function and fun! top picks:  Photochromic lenses increase vision comfort outdoors.  Computer lenses offer the best, most comfortable vision while studying or staying connected to friends and family.  Polycarbonate and Trivex lenses provide maximum protection in competitive sports or high-impact extracurricular activities.  High index lenses make glasses thin and light, for a better look and feel.  Anti-reflective lenses eliminate glare and reflections that cause eyestrain.

Baby Boomers

Baby Boomers spend time focused on a combination of family activities, work-related tasks, social events, sports and hobbies. top picks:  Progressive lenses offer the most natural vision at all distances.  Polycarbonate or Trivex lenses provide maximum protection in sports or high-impact activities.  Anti-reflective lenses reduce uncomfortable glare while driving and/ or working at the computer.  Photochromics provide convenient UV protection.  Reading glasses are an option for detailed close work.

Active Seniors

Today’s seniors are active, energetic, and busy with work, family, hobbies and community activities. top picks:  Progressive lenses provide a wide field of vision.  Photochromic lenses increase visual comfort both outdoors and inside.  Anti-reflective lenses improve vision during night driving.  Polarized lenses eliminate blinding glare that can cause daytime traffic accidents.

Saturday, February 25, 2012

COME VISIT US AT OUR NEW LOCATION!

3116 Saddle Drive South Helena Exit, next to the Sussex building

(406) 443-4040

Saturday, February 25, 2012

HOW-TO GUIDE

How to: choose a TV satellite system

ith the ever rising cost of cable television, many people are switching over to satellite services for their video programming. We have been providing satellite systems and local services to the Helena area and southwest Montana since 1989.

We sell, service, and install Dish Network, Wild Blue, and Exceed satellite services. Exceed is a new internet service that is 50 times faster than Dial up and approximately 3 times faster than Wild Blue or Hughes Net satellite service. Recovery Act Funds for rural internet access are available for many locations in this area and we encourage you to call us to see if your address qualifies for the service. If you do qualify then the normal $149.00 installation fee is waived and you pay only $39.99 per month instead of the normal price of $49.99 plus a $9.99 leasing fee per month. Speeds of up to 5Mbps are available. Dish is the only satellite service in the Helena area that has the Helena locals in their channel lineup.

Commercial satellite system specials are very much like our residential specials, i.e. up to six TVs hooked up for qualifying customers free of charge for both the equipment and installation. Commercial programming costs start at $32.00 a month for both public and private accounts. Having Television news and entertainment available in your business for your waiting customers always seems to make the wait shorter and a more

Another advantage of satellite TV is the large amount of sports packages available at very reasonable prices. These are available for Baseball, Basket Ball, Football, Hockey, Soccer, Cricket and every kind of sports pay per view event out there. Dish offers over 240 channels in 29 foreign languages including Spanish, Arabic, Chinese, German, Vietnamese and many others.

pleasant experience.

When a customer first decides to find out details about satellite, the wide variety of programming and equipment options may seem confusing. We help to customize equipment and programming that is exactly right for each of our customers’ needs. We will ask all the right questions.

DO YOU HAVE HIGH DEFINITION OR STANDARD TVS OR A COMBINATION OF BOTH?

We can install three HD receivers and three standard TVs, for a total of six receivers, free for qualifying customers. No upfront cost. No other programming providers offer this.

DO YOU WANT TO WATCH YOUR FAVORITE PROGRAMS AT YOU LEISURE?

If so, a DVR will help you do that. We offer DVR’s for two TV’s for only $6 per month service fee. This is the least expensive DVR fee in the industry.

DO YOU TRAVEL A LOT AND WANT THE ABILITY TO WATCH YOUR LOCAL AND OTHER CHANNELS YOU SUBSCRIBE TO, ANYWHERE IN THE WORLD, USING YOUR COMPUTER OR MOBIL DEVICE?

New customers can receive a SLING BOX for only $35.00, a device that we attach to your MPEG-4 receiver that allows you to do exactly that. No other provider can deliver 100 percent of your paid programming worldwide.

Do you want a choice of five different packages for under $50, starting at just $19.99 per month? Dish can do that and no other programming provider does.

When you have questions about anything satellite, whether it be about billing, programming packages, equipment upgrades, service, cabin and RV systems, please call Eagle Satellite. We take pride in our work and we want your business. Don’t dial a 800 number, Shop Locally and call 406-442-9091

Saturday, February 25, 2012

ONLY DISH GIVES YOU THE SAME

FOR LESS

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DIRECTV

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EAGLE SATELLITE

442-9091 | 800-726-0451 | HELENA, MT Blockbuster @Home (1 disc at a time): Only available with new qualifying DISH service activated between 2/01/12 and 5/20/12. For the first 3 months of your subscription, you receive a bundle of Blockbuster @Home for $5/mo (regularly $10/mo) and your programming package at a promotional bundle price. Promotional prices continue for 3 months provided you subscribe to both components of the bundle and do not downgrade. After 3 months, then-current prices apply to each component (unless a separate promotional price still applies to your programming package). Requires online DISH account for discs by mail; broadband Internet to stream content; HD DVR to stream to TV. Exchange online rentals for free in-store movie rentals at participating Blockbuster stores. Offer not available in Puerto Rico or U.S. Virgin Islands. Streaming to TV and some channels not available with select packages. Digital Home Advantage plan requires 24-month agreement and credit qualification. Cancellation fee of $17.50/month remaining applies if service is terminated before end of agreement. With qualifying packages, Online Bonus credit requires AutoPay, email opt-in for DISH E-Newsletter, and online redemption no later than 45 days from service activation. After applicable promotional period, then-current price will apply. 3-month premium movie offer value is up to $132; after 3 months then-current price applies unless you downgrade. Free Standard Professional Installation only. All equipment is leased and must be returned to DISH upon cancellation or unreturned equipment fees apply. Limit 6 leased tuners per account; upfront and monthly fees may apply based on type and number of receivers. HD programming requires HD television. Prices, packages, programming and offers subject to change without notice. Offer available for new and qualified former customers, and subject to terms of applicable Promotional and Residential Customer agreements. Additional restrictions may apply. Offer ends 5/20/12. HBO®, Cinemax® and related channels and service marks are the property of Home Box Office, Inc. SHOWTIME is a registered trademark of BH-20190322 Showtime Networks Inc., a CBS Company. STARZ and related channels and service marks are property of Starz Entertainment, LLC.

Saturday, February 25, 2012

HOW-TO GUIDE

How to: choose a tree care professional

rees are valuable. They benefit the environment by moderating weather conditions, reducing water run off and aesthetically improving our surroundings. Landscaped properties average 20% more in value then those with little or no landscaping. Planting and maintaining trees is an investment. It is important that you have them maintain in a way that will only increase their value. Finding the right professional to achieve this goal can be made easier by following a few steps.

1. Seek out recommendations and referrals

A reputable tree service will be able to supply a client with references. They can also provide owners with job sites where there are examples of their work. Make sure that the company you choose has done work that is comparable to what you require. A company focused on commercial properties may not be the right fit for someone seeking out residential landscape maintence.

2. Require a written proposal with detailed work specifications

A written proposal will list the tree or shrub that will be pruned and specify exactly what will be done. For example, Maple in front yard next to door, A) create 2 Â˝ to 3 feet of clearance from house B) clean canopy, i.e. dead, diseased and crossing limbs. Avoid general descriptions that do not give you a good understanding of what work is to be completed. It is common in the industry to receive multiple bids. This provides the homeowner with information to make an educated decision.

3. Ask what certifications and or professional memberships the individual or company belongs to An arborist is someone that has training in area of planting, maintaining and caring for trees. An ISA certified arborist has multiple years of experience and has passed an examination which encompasses all fields of arboriculture. Certified arborists are also required to maintain their certification by continuing their education. Companies may belong to trade or professional organizations which demonstrate their willingness to stay abreast of the newest practices and policies within the industry.

4. Inquire whether or not the company is insured for both liability and workers compensation

A reputable company will be fully insured and be able to provide documentation. Do not allow non-insured workers on your property. The property owner is liable for anything that happens to those workers. Any damage to the property would also be the responsibility of the owner. Tree care providers that offer significantly lower prices may not be holding the required amount of insurance and that is how they have such reduced prices. Historically, tree work has been a very hazardous field due to the nature of the work and the equipment required to accomplish it. A homeowner allowing non-insured workers on their property is leaving themselves liable for potentially exorbitant expenses.

5. Look for professionalism

At the consultation, the arborist should be able to give the property owner knowledgeable responses to their questions. They should be able to give suggestions on plant health, pruning and maintenance. The consultant should be able to identify tree and shrub species throughout the property and give suggestions on what trees might work best for the location. A consultation should provide the homeowner with valuable information about their landscape.

The best time to plant a tree was 20 years ago. The next best time is now. ~Chinese Proverb

6. Require Professional Practices

A responsible arborist will not go against industry standards. Topping a tree or removing excessive amounts of live tissue from a tree are detrimental to the overall health of the tree. If dramatic reductions are required, it may entail selective pruning over multiple years to accomplish the task so as to maintain the overall health of the tree. If a homeowner requests pruning that is questionable, it is the responsibility of the arborist to inform the owner of industry standards and to educate them on why the practice being requested can not be fulfilled.

7. Avoid door to door sales

Individuals and companies that practice this strategy of sales have traditionally not been the most principled. They tend not to be from the community in which they are soliciting work. Once they are done, it is difficult to make contact. They are apt to require advanced payment, so if the work isnâ&#x20AC;&#x2122;t done to the owners terms, the owner has little recourse. Their pruning techniques are questionable and may cause the need to prematurely remove valuable trees. They may not hold the required license or insurance. In the long run, an owner is safer using a local company, that may be more expensive, but more cost effective in the end.

8. Ask questions about all the services that can be provided

A full service tree care company should be able to offer a majority of the services that your landscape may require. Pruning, tree removal, insect and disease control, fertilization and planting are some of the services that may be provided. Having one company take care of your landscape also provides the homeowner with consistent care, a history of what has been treated and or pruned and a plan for future needs.

Saturday, February 25, 2012

GET YOUR TREES IN SHAPE FOR NEXT SEASON

15% OFF PRUNING SERVICES Call now for a Certified Arborist for • Tree Pruning • Deep Root Fertilization • Mountain Pine Beetle Prevention • Free Tree Care Analysis • Free Pruning Estimate

Certified Arborist on Staff

443 - 5088 Brad & Robie Culver & Sons, Owners

locally owned and operated since 1984

Saturday, February 25, 2012

HOW-TO GUIDE

How to: care for varicose veins

ur evolution as homo sapiens has determined our erect stance. Over the years, this upright stance has led to venous hypertension and become a problem in our society today. Venous hypertension (high pressure in the vein system) leads to symptoms of chronic vein disease, resulting in varicose veins. Venous insufficiency (or venous reflux/backflow) is the impaired return of venous blood or reflux from the legs or feet caused by dilated vessels in the legs or damaged/absent vein valves.

Symptoms: • • • • • • • •

Leg heaviness and fatigue Pain Bleeding Phlebitis (swelling of vein) Skin changes/ulcers Edema/swelling Itching/burning Restless Leg Syndrome

Minimally invasive treatments are now available as an alternative to previous vein stripping:

• • • • • •

Elevation and compression Decrease risk factors Ligation (closure of damaged vein) Sclerotherapy (injection therapy) Endovenous Thermal Ablation (Laser, Radiofrequency) Cutaneous Laser

Varicose veins can be a result of genetics, pregnancy, being overweight and a lifetime of working on your feet. Make sure to get your blood moving with regular exercise and consult with your physician regarding any vein concerns you may have.

Varicose veins are gnarled, enlarged veins. Any vein may become varicose, but the veins most commonly affected are those in your legs and feet. That's because standing and walking upright increases the pressure in the veins of your lower body. For many people, varicose veins and spider veins — a common, mild variation of varicose veins — are simply a cosmetic concern. For other people, varicose veins can cause aching pain and discomfort. Sometimes varicose veins lead to more-serious problems. Varicose veins may also signal a higher risk of other circulatory problems. Treatment may involve self-care measures or procedures by your doctor to close or remove veins.

Patients are happily surprised with the procedure and how quickly they recover!

Saturday, February 25, 2012

if experience is the difference,

then we’re the difference Dr. Debra Kontny Fellow American College of Surgeons

American College of Phlebology. Dr. Kontny is the leader in the Helena community with regard to Vein Therapy. Mountain Surgical Arts provides all vein procedures in the comfort of an office setting with a knowledgeable team of support staff. In addition, Dr. Kontny’s team provides laser facial rejuvenation, laser hair removal, Botox and medical grade skin health products. Come in and relax with a therapeutic massage or rejuvenating facial.

3130 Saddle Dr. Suite 2, Helena • 513-1962

fi nd us in the Sussex Building

mountainsurgicalarts.com

Saturday, February 25, 2012

HOW-TO GUIDE

How to: pay your mortgage off early Cox News Service here are a lot of reasons to pay off your mortgage early. You can save potentially thousands of dollars in interest savings, have access to equity (meaning you can borrow against the home equity if you need to) and have peace of mind knowing that you won’t have a payment once you are living on a fixed income. Paying off your mortgage early also allows you to save more for retirement once you no longer have a mortgage payment.

First things first: Before you start paying down your principal, check with the mortgage lender to ensure that there are no penalties for making prepayments or early payments. Federal Housing Administration and Veteran’s Administration loans, for instance, do not permit lenders to assess penalties. You also should check with your CPA before you change anything that involves interest expenses or tax savings, to ensure that this plan of action will work to your benefit.

If you are in the process of buying a home, take a highlighter pen to closing. Read the mortgage note. It will tell you the terms by which it can be paid back, and how the lender applies payments. Highlight this information. If there is a pre-payment penalty for paying, it typically will state that the penalty is only applied if you pay off more than 20 percent of the total loan amount per year during the pre-payment penalty time frame. Therefore, you can still make extra principal payments up to that amount without penalty. The note also will specify how the lender applies your payments. Payment schedules apply monies to interest and principal, in that order. Thus, anything you give them above that amount is applied to the principal.

Ways to pay down: One popular way to pay off a mortgage early is to make 13 monthly payments instead of 12 each year. There are two simple ways to do this — bi-monthly payments or paying additional principal. • Bi-monthly payments: Twice a month you will make a half month’s mortgage payment, which will come to 26 half payments instead of 12 monthly payments. Making bi-monthly payments will add up to one additional payment per year, because you will be paying down the interest faster, which will apply more towards your principal payoff. Lenders set this up through automatic deduction. They require the automatic deduction process because the bank will not apply a half payment to your loan unless you have automatic electronic withdrawal. Because the money is transferred by wire and not by mail, the lender will apply the payment as soon as they receive it.

Other options: Today there are loans with an interest-only payment for the first 10 years on a 30-year loan. They allow you to buy more house for the same monthly payment, because you are only paying the interest. They are comparable to conventional loans in that

statistics show that the average homeowner sells or refinances the property within the first seven years of a 30-year mortgage. If you then sell the property, you’ll pick up your money on the appreciation side and if you also make additional principal reductions, you’ll have made a big dent in the mortgage. Another benefit to interest-only payments is that the interest on a primary residence can be written off on your 1098 tax form. A final method for paying off your mortgage is to add an additional 3 percent to each payment each year. If you are consistent, you can pay off a 30-year mortgage in a little more than 15 years. Better early than late: The key is to reduce the principal as quickly as you can to reduce the interest costs. The sooner you start paying off the principal, the more money you’ll save over the life of the loan.

FIVE THINGS TO REMEMBER 1. Don’t prepay a loan until you check for prepayment penalties. 2. Making 13 payments annually instead of 12 can reduce a 30- year loan by about eight years. 3. A bimonthly payment plan saves about eight years with no additional contributions. 4. Paying an additional 1/12 of your mortgage payment each month equals one extra payment. 5. The sooner you begin paying off the principal, the more money you’ll save.

BH-20190135

Saturday, February 25, 2012

Rates Are Still Low!!

GIVE US A CALL NOW!! 28 NORTH LAST CHANCE GULCH • 1ST FLOOR 449-9800 • FAX : 449-9811 www.firstcombank.net

Saturday, February 25, 2012

HOW-TO GUIDE

How to: measure value in landscaping What is it Worth? Is it worth your time and money?

ost of us have had the experience of buying something that we thought was “too expensive” and it ended up being, not only the exact opposite, but one of the best buying decisions we ever made. The worth of something is measured by the value of what it provides. I would be willing to bet that most people own a camera. OK, so what do camera’s have to do with and landscaping? There are people that have your basic “point and shoot” camera, others have disposable cameras and still others have cameras that cost more than a new car. Just because you paid a lot for a big fancy camera, doesn’t mean that you value it, and just the opposite is true as well; just because you bought a cheap camera, doesn’t mean that you value it either. Paying a lot of money for a fancy camera or buying a cheap camera doesn’t change the value. It is how you find value in it. One of the most famous wild fire pictures ever taken, was shot here in Montana with a camera that isn’t worth 2 cents. But did the cost of the camera have anything to do with the value this famous photo? Why is there such a wide price range in cameras when they all do the same thing........Take Pictures. A camera is just a piece of equipment that someone uses to create something of value. So it is fair to say that the equipment does the same thing, not the artist. Like cameras, there is a wide range of landscapes, from the basic to the very elaborate and just about everyone has to have one or the

other or something in between. So how do you determine the value of the expense of a landscaping project? Well, that has to be answered by the question; ‘what is it worth to you?’ Asking yourself some questions might help.

It is because the value justifies the cost!

• How much time do you spend at home and would you spend more time outside if you had a more pleasing environment? • What part of the day are you home? • What part of the yard do you spend most of your time in? • Do you entertain much or would you like to?

These are some of the questions you should consider when deciding how much value you place on your landscape!

Since the landscaping around your home becomes an integral part of your home and a reflection of your lifestyle, you should take your time. Since a landscaping project, whether pretty basic or quite elaborate is a significant and permanent purchase, it will pay you dividends to take your time and do your homework. Here is a simple formula for success. Talk: Take time to talk about what it is that you need and want. Invest: Look at the value of what you’re getting and make sure you are investing for you. Make: Make a plan. Evaluate: Go over the first three steps as many times as necessary and evaluate carefully

Let’s start from the top

Talk: take the time to talk about

what it is that you need and want, before you decide to buy. The more you know about what you want, the more you’ll know about what to buy. Know as much as you can about what YOU want, but be open to new ideas that will ultimately bring more value to your project. Invest: - or Investigate: Make sure that you invest in something that has value rather than a product that is just an expense. So many people get caught up in the price tag and lose track of how much time they spend going over the details Make: Making a plan does not always refer to a “blue print”. The hardest challenge in the landscape world is making your vision match someone else’s plan. Professional landscapers should have ways of bringing your ideas together with their artistry and style.

Educate: Educate yourself on what makes one product more valuable than the other. Most of the time you will find that if something is more expensive, there must be something you don’t understand or that someone doesn’t want to tell you. Educate yourself on if and why a company has a good reputation. Educate yourself on what works and what doesn’t work in your climate. Value vs. Expense: If you buy something that is expensive, and the value doesn’t go up over time, you bought something that was expensive for YOU. You can’t buy something that has value just because it’s expensive.

How much time do you spend at home and would you like to spend more? In today’s lifestyle, most people are almost always on the go. Some of you reading this don’t need me to tell you that! This is probably

the most important question to ask, and is probably the biggest problem that we all face when we try to answer it with all honesty and in all reality. Most of the time people end up with something they regret because they don’t spend enough time dealing with reality. How many GREAT things have you bought that ended up in a garage sale? When it comes to landscaping, here is a tip that might help. Spend time evaluating your wants and needs. If you’re always on the go, but enjoy the few moments that you get to relax, then you should be looking at something that is very private and small, perhaps a very small waterfall or fire-pit would be the extent of this. If you enjoy entertaining quite a bit; you might consider a larger project, including a paved patio, complete with a larger fire-pit, and possibly a built in bbq grill, surrounded by a very natural looking, rustic, beautiful, and utilitarian landscape!

1. Very-Low maintenance 2. Budget constraints 3. Outdoor entertainment / recreation 4. Curb appeal 5. Low water requirements 6. Wind breaks 7. Fire concerns 8. Quite native in appearance 9. Lots of color 10. L arge or small Lawn areas 11. Small children / play areas 12. Pets (Dog) requiring fencing or kennel 13. Hillside use (retaining walls or water-feature) 14. Parking for guests, kids’ cars, motor-home, etc 15. Other

Saturday, February 25, 2012

HOW-TO GUIDE

How to: choose a mattress Do you Need a New Mattress?

ith most products, it’s fairly obvious when a replacement is needed. If it no longer works or has signs of wear and tear that impair its ability, you know it’s time for a new one. However, realizing that it is time for a new mattress and foundation isn’t always so obvious. Similar to your favorite old chair or worn pair of shoes, your mattress can still feel comfortable long after it has lost its ability to provide your body with the proper support and comfort it needs. Because sleep is so critical to our ability to function and feel our best, it is important to evaluate your sleep set on a regular basis. • You wake up with stiffness, numbness, aches and pains • You had a better night’s sleep somewhere other than your own bed (such as a hotel)

• Your mattress shows visible signs of overuse (it sags, has lumps, the interior is exposed, etc.)

• Your mattress is 5 – 7 years old* *How long a mattress will last depends on several factors, such as amount of use and original quality, but in general, a mattress set that has been in use 5-7 years is no longer providing you with the best comfort and support. Keep in mind that people’s bodies change over time, and the need for good comfort and support only increases with age. That’s why it’s a good idea to compare the mattress and foundation you are sleeping on now to newer models every few years.

The warranty on the new mattress and foundation you purchase is not an indicator of how long the product should be used before replacement. The warranty is there to protect the customer from product defects, not against the gradual loss of comfort and support. Moreover, different manufacturers offer different warranties, and you should check with the manufacturer of your mattress for product-specific information.

Old beds turn up in the oddest places – in the bottom of lakes, by the side of the road, in the classified ads of the newspaper. Clearly, people don’t know what to do with old mattresses! It’s estimated that nearly 70% of old beds stay in circulation, handed down like heirlooms to children and other family members. This is especially harmful for children, whose active, developing bodies require the support of a good quality mattress. If the bed is no longer good enough for you, it’s not good enough for anybody else; throw it out.

Sleep City has designed a “green” way to make disposing of your mattress easy through our Sleep 4 All Program. Sleep 4 All is not just a mattress donation or recycle program. We provide mattresses to those in need any way we can. This includes a mattress recycling program, mattress donation drop off points at our Sleep City locations, donations of brand new beds to organizations in need, and an online resource center to connect those who need mattresses with those who want to help.

Saturday, February 25, 2012

HOW-TO GUIDE

How to: maintain your forced air heating/air conditioning system • INSTALL PROGRAMMABLE Heating can be the THERMOSTAT – 3 to 5 biggest energy expense degrees is the recommended home owners have. Well temperature variation with 8 maintained properly sized degrees being the maximum equipment runs more recommended temperature variation. efficiently and lasts longer. • UPDATE FURNACE TO HIGH The typical lifetime of a EFFICIENCY – High efficiency well maintained furnace is equipment saves energy costs 15 to 20 years. and offers increased comfort.

FORCED AIR HEATING SYSTEM TIPS

• KEEP FILTERS CLEAN – Check filters every 3 months, more frequent if pets are in the home. Dirty filters can shut down the furnace and can cause damage to the furnace in addition to shortening the life of the furnace. Replace filters after new construction or during remodeling. • KEEP REGISTERS OPEN AND FREE FROM OBSTRUCTION – Restricted air flow can cause the furnace to overheat and shorten the life of the furnace. • INSPECT DUCTWORK FOR AIR LEAKS – Seal or insulate ductwork. • SEASONAL MAINTENANCE – Clean the furnace, check gas pressure, check for carbon monoxide, check combustion air, check outside vents for obstruction and replace thermostat batteries if applicable. • SEVERE WEATHER CAUTIONS – It is recommended to not set your thermostat below 60, low temperature settings can cause ice to build up faster on the exterior vent. Check the outside sidewall furnace vents for ice or snow buildup.

The heating contractor must perform a qualified heat loss and heat gain load calculation to properly size the equipment based upon your homes construction, climate and household needs. Over sized furnaces cycle on and off more frequently which wastes fuel, can wear out components, can be noisy and have uncomfortable temperature swings. Under sized furnaces cause uncomfortable conditions and may not keep up with the heat demands during extreme cold. • UPDATE TO GEOTHERMAL – The EPA has called Geothermal “the most energy efficient, environmentally clean and cost effective” way to heat and cool our buildings.

FORCED AIR CONDITIONING SYSTEM TIPS

• KEEP FILTERS CLEAN – Dirty filters can cause the system to fail due to lack of air flow. • THERMOSTAT SETTING – It is recommended to not set the thermostat below 68 degrees. • PERFORM VISUAL CHECK OF EQUIMPMENT – Check indoor equipment for water leakage or any oily residue. Check outdoor equipment for dirt

and debris, oily residue, air flow clearance around the unit, severely damaged fins or noisy operations. Replace deteriorated or missing insulation around the refrigeration lines. • EXTREME HEAT CAUTION – It is recommended to not vary the thermostat setting by more than 3 to 5 degrees for best efficiency.

DUCTLESS AIR CONDITIONING SYSTEM TIPS

• KEEP FILTERS CLEAN – Dirty filters can cause the system to fail due lack of air flow. • PERFORM VISUAL CHECK OF EQUIPMENT – Check outdoor equipment for dirt and debris or oily residue and check air flow clearance around the outdoor unit. Replace deteriorated or missing insulation around the refrigeration lines. Change the remote battery. • EXTREME HEAT CAUTION – It is recommended to not vary the thermostat setting by more than 3 to 5 degrees for best efficiency.

CHOOSING A HEATING CONTRACTOR TIPS

• LICENSED – Verify they have current State Business License, State Contractors Registration, City business license if applicable, EPA required Refrigeration license for air conditioning. • INSURED – Verify they have current liability insurance coverage and State required Workers Compensation or valid exemption. • OTHER – Miscellaneous items to research when looking for a contractor: Hours of operation – after hours service availability. Years in business - continued training certificates. Do they perform HVAC industry approved whole house heat loss and heat gain load calculations. Research the quality of equipment and warranty. Check their Better Business rating. Check if they are a Northwestern Energy E+ preferred contractor. Ask for references; how many systems have they installed. Get a written proposal. Remember cheaper is not always better - make an “apples to apples” comparison.

Saturday, February 25, 2012

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Saturday, February 25, 2012

HOW-TO GUIDE

How to: buy a used car: 8 simple steps Step 1: Starting out - Why buy used?

If you’ve decided to buy a used car, you’ve already made a smart decision. You can get a car that’s almost as good as a brandnew one without paying for the depreciation that wallops new car buyers as soon as they drive the car off the lot. Even cars that are only a year old are 20-30 percent cheaper than brand-new cars. But there are other good reasons to buy a used car: • You’ll save money on insurance. • Bigger bargains are possible for the smart used car shopper. • Used cars are more reliable today than ever before. • Some used cars are still under the factory warranty. • Most new carmakers now sell certified used cars, which include warranties. • The history of a used car can easily be traced using the vehicle identification number (VIN).

Step 2: Choosing the right used car

At the beginning of the carbuying process, many people already know the car they want. But it’s a good idea to stop right now and test your decision with this question: Will this car fit into my monthly budget? Make sure your choice isn’t exceeding your budget and ask yourself, does it meet my current needs? You may need to expand your horizons when considering what to buy because you won’t know what is available in your area until you really start looking. Consider building a target list of three different cars. You might want to think of vehicles in the same class.

For example, if you really want a Toyota Camry, you should also be on the lookout for a Honda Accord, Nissan Altima or Chevrolet Malibu. These cars were built for the same market, but they have different features and sometimes lower prices.

Step 3: Research your prospective used car

When you spot a used car that seems to fit your needs, research it thoroughly before you get serious about buying it. Make sure you run a vehicle history report on any used car you are considering buying. Several companies sell these reports, which are based on the VIN. These reports can reveal vital information about the used car, including whether it has a salvage title (it has been declared a total loss by the insurance company) or if the odometer has been rolled back. Many reputable car dealers, like Mile High Motors of Helena, will provide these reports to you for free. Most new cars are sold with a three-year/36,000-mile warranty. Therefore, if you buy a car that is from 1-3 years old, with fewer than 36,000 miles on the odometer, it will still be under the factory warranty.

Step 4: How much can you afford?

The smart shopper will consider how to finance the car at the beginning of the shopping process. This will avoid unpleasant surprises later on and help you make an informed decision that fits your budget. Monthly payment — If you are

going to take out a loan, how much can you afford to pay each month? Down payment — How much cash can you put down to reduce your monthly payments? Purchase price of the car — Answering the first two questions will help you determine a realistic price range for your used car.

Step 5: Set up financing for your used car.

It’s a good idea to check your credit before you begin negotiations with a car salesman. Otherwise, you might pay too much interest on your car loan. You have three ways to pay for your used car: Cash. Need we say more? Money talks — you-know-what walks. Financing through a bank, online lender or credit union — Great route because can save money. Financing through the dealer — This can work for some people depending on their credit scores and the interest rates offered. Also, by pre-arranging financing through an independent source, the dealer may then be able to beat that rate with a low-interest loan.

Step 6: Where to shop for your used car

While there are many options, there are advantages to buying a used car from a dealership. Many used cars are trade-ins. If you make an offer — but one that gives them some profit — you just might get a great deal. Furthermore, many dealerships offer certified used cars that have been thoroughly inspected and are backed by strong warranties. Mile High Motors of Helena is the Newest Used Car Superstore

and can find you the car you are looking for.

Step 7: Test-driving a used car

Test-driving a used car helps you decide if it is the right car for you and also if this particular car is in good condition. Once you get behind the wheel, ask yourself if it is a good fit. Does it offer enough headroom? Legroom? Are the gauges and controls conveniently positioned? Take your time and be sure to simulate the conditions of your normal driving patterns. If you do a lot of highway driving, be sure to go on the highway and take the car up to 65 mph. If you go into the mountains, test the car on a steep slope. You don’t want to find out — after you’ve bought the car — that it doesn’t perform as you needed.

Step 8: Closing the deal

You need to make sure you have insurance for the car you just bought before you drive it away. Also, the Finance and Insurance person will probably offer additional items: an extended warranty, alarms or anti-theft services such as LoJack, prepaid service plans, fabric protection, rust-proofing and emergency roadside kits. Some people want the peace of mind that comes with extended warranties, so this is something you might want to consider.

Once all of the paperwork is complete, it is finally time to relax and begin enjoying your new purchase: a Good Used Car.

t s e w Ne

Saturday, February 25, 2012

Helena’s Used Car Super Store

AWD’S ‘06 H Honda d Pilot

3RD ROW SEAT

Be Safe with this Large Selection of 4X4’s & AWD’s

20,995

‘09 Audi Q5

30,995

‘08 Chevy Tahoe

34,995

4X4’S ‘05 Hummer H2

PRICED TO SELL!

‘10 GMC Terrain

Must See

‘08 Toyota Tundra

27,495

50K MILES

‘11 Honda CRV

LOW MILES!

$ ‘07 Chevy

21,195

‘09 Dodge

22,995

Suburban

Must See

‘06 Nissan Titan

28,995

‘10 Hyundai Santa

26,995

‘05 Hummer H2

‘09 Dodge Journey

3RD ROW

‘06 Dodge

23,995

Durango

$ ‘08 Ford

35,000

Mile High Motors of Helena

BH-20190543

‘11 Kia Sorento

29,995

Ram 3500

17,495

3RD ROW, AFFORDABLE

1500 Cedar Street • Helena, MT 59601 • (406) 442-1445 1-888-794-4413 • www.milehighhelena.com

11,995

F350 Diesel

35,995

Saturday, February 25, 2012

HOW-TO GUIDE

How to: shop for furniture

Cox News Service

ave you been furniture shopping lately? The experience may leave your mind swirling with the many choices you can make such as solid wood and leather. Your style and lifestyle need to be considered when making your furniture choices. When it comes to decorating your home or apartment, furniture can be a major expense with longstanding impact. It pays to think about what you need, what you want and what your budget will allow. Getting started: Start with a list of your needs room by room. Perhaps you already have some pieces to coordinate with, or maybe you are starting from scratch. Or, are you replacing outdated, worn-out furniture? Evaluate what your needs truly are. Basic seating? A place to sleep? A large table for the family to gather? Or do you have stacks of books and nowhere to place them? Then, look at your space and your budget. Take an honest look at what your needs are and make a list. It is much easier to prioritize from that written list than to wonder aimlessly into a furniture store and have no earthly idea what you are looking for. After you’ve itemized your needs, browse through decorating magazines, catalogs and Web sites. Hone in on the style or styles you like. Again, advance consideration of the styles that appeal to you will greatly narrow your choices and aid you in finding the right styles for your home. Furniture style and fabric choices: Most furniture falls into one of two style categories, formal and informal or casual. Formal furniture includes such styles as Louis XIV, Chippendale and Queen Anne, originally created for royalty and the wealthy.

Informal styles originated in the rural countryside, and were designed by local cabinetmakers. These would include provincial, early American and French country. Each of these styles can be further refined into traditional or contemporary. Traditional styles are most identifiable by the cabriole legs, claw and ball feet, lyre shaped backs and carved details. Woods tend to be walnut, cherry or teak, and fabrics usually include brocades, damask and silk. Oversized sofas and chairs with deep, fluffy cushions, and durable easy-to-maintain fabrics exemplify casual. Contemporary styles include Scandinavian, modern and Oriental, with wood or laminate. They are identifiable by their sleek overall design elements. Style also is defined by shape, color and texture and is reflected in accessories and floor and window coverings. Home furnishings should make a statement about your attitude and lifestyle. No one style is perfect for every room or everyone, so buy furniture that you like, whatever your style. Recliners are better than ever. There was a time when they were ugly, but not anymore. Today more than ever upholstered furniture is available in a wide range of styles and fabrics. To be a good buy for you, upholstery must be priced right, colored right and comfortable for the room and your family. There also is leather to be considered. Leather is a natural product. Good leather will rarely wear out, but it will change in appearance from week to week. Many people love the natural coverings that change with wear and tear. But be clear in your mind with what you can live with when it comes

FIVE POINTS TO REMEMBER

• Get physical. Sit in it. Better furniture is usually more amply sized, more substantial and contains more raw material such as springs, frame and cushion, and will be heavier than a lower-quality piece. • Check the cushions. Neat well-defined corners or curves, securely attached buttons and unobtrusive seams are the marks of a quality cushion. • Look beneath the surface. See how the piece is constructed, looking for loose screws, padding not sewn correctly, or unprotected. • Consider the conditions. Choose the piece based on where it will be placed and how it will be used. • Measure the room and door openings before you begin your shopping experience. Draw a diagram showing the room size and locations of doors and windows. The location of a fireplace or television could also affect your furniture and should also be noted on your diagram.

to today’s leather. New methods of tanning and manufacturing also have brought leather into an affordable range for many pocketbooks. Shopping for furniture: After you decide what piece or pieces you want and have pinpointed some basic styles that feel right, it is time to target a budget and begin to furniture shop. Prices vary widely, and often are tied to the quality of the piece. Finding good furniture that works for you involves understanding how pieces are made and then deciding if the quality of the piece will bear up in day-to-day use. Whatever your style, furniture should be comfortable, practical and reflect your tastes.

Furniture sources: The most obvious place to look is in your local furniture stores. However, don’t forget estate sales, auctions and consignment stores. Some furniture stores in your area offer complimentary in-home design services to aid you in your decorating choices. When you are ready to start out on your furniture hunt, remember to assess your needs, set your priorities, narrow down the styles you are looking for, target a budget and then enjoy your search for the perfect pieces to complement your home. Remember, when acquiring furniture, buy only what you love.

Saturday, February 25, 2012

Great Selection!!

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Saturday, February 25, 2012

HOW-TO GUIDE

How to: design your own jewelry

esigning and assembling your own jewelry is a very fashionable and costeffective hobby. Whether you want to make a simple pair of earrings or a whole jewelry box full, it is simple to create something that is uniquely you. Jewelry designing is the perfect way to embark on a creative escape.

What tools do I need to begin?

How to make simple design earrings appeals to you.

Flush Cutter: Needed to cut excess wire or thread. It is a good idea to invest in two pairs. One for thin stringing wire and one for thicker gauge wire such as headpins. Crimping pliers: Are used to finish crimp beads at the end of stringing wire. They also can be used as a vice-like tool when manipulating wire or closing loops.

Round-Nose Pliers (needle nose pliers): Round nose pliers are essential when designing with wire. They have rounded ends designed to create the perfect loop. Chain Nose Pliers (flat-nose pliers): These flat nosed pliers enable gripping, bending and manipulating of wire.

Bent Nose Pliers: These pliers are ideal for bending and tightening looped or coiled wire ends.

What does it cost to create your own works of art?

The expense of your creation will depend on the materials you choose and the complexity of the project. Below are a couple examples of actual costs of two designs.

Approximate cost Earrings $4.25

way.

Approximate cost

Necklace $8.45

Saturday, February 25, 2012

Has Everything You Need We Are Your Creative Outlet! Prima Flower Necklace

Jewelry As Simple as 1, 2, Glue

Materials: 3 styles chain, 6” each Eye Pins Jump Rings Prima Flowers Crystals and Pearls Vintaj Metal Charms and Links Felt Pieces Glue (such as E6000) Tools Needed: Wire Cutters Needle and Thread Round Nose Pliers

�� sew together with the needle and thread �� using the jump rings and pliers. You can use different chain styles throughout, to create a one of a kind necklace 3. Attach the bottom of the eye pin to a section of the chain, string on beads, crystals, and charms attach to another section of chain using pliers. Attach links randomly throughout necklace 4. Finish necklace by connecting end pieces together with a clasp

Embelishments: To include Brads, Acrylic Flowers, Beads, Flatback Rhinestones.

Glue: Such as E6000 or Glass & Metal (glues with a rubber cement consistency �� than super glue)

Supplies: Ring Blanks, Bobby Pin Blanks, Leather Bracelet

Ben’s Beads at Ben Franklin Crafts carries all ��

Upcoming Bead Class Learn to Make Earrings Monday March 5th 6:00-8:00pm, $15

��

442-2040 • 400 Euclid Avenue • online @ www.benfranklincraftshelena.com

Saturday, February 25, 2012

HOW-TO GUIDE

How to: find the perfect employees

re you short staffed, yet can't seem to find the time to hire? Tired of putting out job postings only to receive hundreds of unqualified applicants to sift through? You need the help of a qualified staffing agency such as Westaff to take the hiring burdens off of you. Employment rules in Montana differ from most places and even federal law, so it's critical to find an agency that understands and applies Montana law. Westaff of Helena, along with our sister company Personnel-Plus! Consulting Services, are Montana's only full-service human resource management agency staffed by a certified HR professional. We provide both recruitment and staffing services as well as human resource consulting on a large number of issues, making us true experts in our field. Using an employment agency such as Westaff offers you flexibility, a large pool of qualified, pre-screened applicants and the ability to try an employee out before you hire them permanently. We help fill full-time and part-time, temporary and permanent, and long-term and short-term positions. We keep a pool of prescreened, qualified applicants on file. If you have a temporary position to fill, odds are that we will have someone that will meet your staffing needs. Whether it be for vacation replacement, illness or a temporary surge in business, we can send you the extra help quickly-often within 24 hours of your first call. If you need help finding the perfect permanent employee, we can also help! Contact us with the position you are looking to fill. If we don't

"Jim and his team at Helena Westaff have been a real asset for my business. He has tremendous experience with both the legal and personal side of human resource management. By taking advantage of his experience and the variety of services he offers, we have reduced issues and developed a more cohesive team of our own. I would recommend Jim and Helena Westaff to anyone interested in reducing risk and improving business operations.” – Eric S., Montana Business Owner

have someone already, we then recruit qualified applicants utilizing a number of recruitment avenues such as job postings on our website, billboards, radio advertising, job service listings and newspaper advertising. We then go through the applicants and conduct pre-interviews with qualified applicants. Once we have finished pre-interviews, we conduct the skills assessments of your choice. We have over 450 skill tests ranging from accounting to XML and everything in between! Westaff then checks references and refers to you a ranked list of qualified job applicants for you to conduct your own interviews. This allows you to see the very best with minimal time commitment. It's that simple. Once we find the perfect candidate from this group of applicants, you then have several options. You can hire them directly for a placement fee, or perhaps the smarter route is to try them out first. Put them on OUR payroll for a period of time until you are certain they are the perfect person for YOUR job. Getting signed up with Westaff is easy and doesn't cost a thing. Simply contact us to obtain our client service agreement, fill it out, send it back and we'll take care of the rest! You are then ready to start obtaining employees. Westaff of Helena has been locally owned and operated for 24 years by Jim and Nancy Nys. Westaff has proven they are the experts in the field of staffing and human Resources, so you can cross "hiring" off of your to-do list by letting Westaff do it for you.

"We appreciate the staff and our working relationship" – Mary L., state employee on working with Westaff "Local staff is great. Friendly, quick to respond, easy to talk to. Questions are answered right away and issues are dealt with on time." – State employee on working with Westaff

Saturday, February 25, 2012

Staff for Business, Jobs for People. Temporary, temp-to-hire, permanent placements

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Saturday, February 25, 2012

HOW-TO GUIDE

How to: add a fourth leg of retirement income: Supplementing Social Security, pension and personal savings with a reverse mortgage By Kelly J DeWolf

Reverse mortgages have changed dramatically. Do you know how this financial option may benefit your older clients as part of a comprehensive retirement plan? As a financial advisor, it’s important to be well-versed about reverse mortgages, so you can help your clients make informed decisions about accessing their home equity strategically in retirement. With many older homeowners wanting—or needing—to supplement their retirement income by tapping into this asset, the popularity of reverse mortgages has grown significantly. And recently, there have been many positive reverse mortgage product developments— including the introduction of HECM Saver, a game-changing new Home Equity Conversion Mortgage (HECM) that may offer significantly lower up-front costs compared to HECM Standard. With reduced up-front costs, reverse mortgages are now more accessible to homeowners age 62+, and applicable to a wider variety of needs and planning cases. For many, the traditional “legs” of a retirement plan—Social Security, pension and personal savings—may not be sufficient to support their retirement income objectives. Now—with HECM Saver offering low or no up-front mortgage insurance premium, plus the ability to access

home equity funds as a monthly draw—new concepts in retirement planning strategies have emerged. Reverse mortgages are now being considered as a viable “fourth leg” that can help older homeowners extend their retirement assets and increase cash flow. For instance, HECM Saver can enable homeowners approaching age 62 to delay the start of their Social Security payments, so they can ultimately receive larger Social Security checks each month. Consider this theoretical, but realistic, example1: A 61-year-old single client has $300,000 in qualified retirement account funds and $200,000 in investment accounts, with no liabilities and no life insurance. His current annual salary (100% taxable) is $75,000, and his annual needs are $54,075, or 70% of his pre-retirement income. The client’s goal is to retire at age 62, with enough funds to meet his retirement needs until age 90. Scenario 1—Without a reverse mortgage: The client begins taking Social Security benefits at age 62, at a rate of $1,583 per month, with an annual increase of 2%. Based on the above assumptions, an analysis of this client’s retirement income needs, expected income sources and available assets reveals that the client’s objective will only be satisfied until the age of 86. In order to be successful until age 90, he would need additional funds of $63,735 at his retirement age of 62. Scenario 2—With a reverse mortgage: The same client defers Social Security benefits until age 70. To “bridge the gap,” between

the ages of 62 and 70 he uses a reverse mortgage for a monthly draw that approximates what he would have received in Social Security payments during that period. At age 70, he starts receiving Social Security benefits of $3,265 a month. In this scenario, the client has sufficient assets to satisfy his retirement income objectives until the age of 90. For homeowners age 62 and over, HECM Saver also stacks up favorably against the traditional home equity line of credit (HELOC), and it may be a good fit as an emergency funds vehicle. Unlike a HELOC, with a HECM Saver reverse mortgage the credit line actually grows each year, the lender cannot decide to “freeze” the loan (either by capping it or closing the line of credit), and no monthly mortgage payments are required. (As with any loan, interest accrues on the portion of the loan amount disbursed.) Combined with a competitive interest rate, this type of reverse mortgage may appeal to high-networth and middle-America clients. It may be useful in cases where a line-of-credit strategy makes good sense for establishing emergency funds based on a client’s current equity in their home. These are just two examples of how a reverse mortgage can be an effective part of an overall retirement planning strategy. As a financial advisor, you can add significant value to your services by understanding the potential of this product to help your older clients avoid outliving their assets, plan for long-term care or gain another cash-flow source—so they can live a more comfortable life.

Kelly J DeWolf is an Area Manger with MetLife Bank, N.A., based in the Mountain Region area. He can be reached at kdewolf@metlife.com or 406-431-4651. 1 MetLife Bank, N.A. is not responsible for the information in this document. The information above is for illustrative purposes and is not intended as tax, legal or accounting advice. Please consult your tax advisor, legal counsel or accountant, as applicable, for advice on those matters. For business and professional use only. Not for consumer distribution. This material is not intended for distribution to any MetLife-affiliated company. All loans are subject to property approval. Certain conditions and fees apply. Mortgage financing provided by MetLife Home Loans, a division of MetLife Bank, N.A. Equal Housing Lender. © 2011 METLIFE, INC. R0611184981[exp0612][All States][DC]

BH-20190642

Saturday, February 25, 2012

A reverse mortgage could help your customers live more comfortably. Call me to learn more about this important financial option from MetLife Bank, N.A. Kelly DeWolf

Kelly Dewolf MetLife ReverseBank Mortgage Area Manager Reverse Mortgage Area Manager 406-431-4651 406-431-4651 kdewolf@metlife.com www.kellydewolf.com

All loans are subject to property approval. Certain conditions and fees apply. Mortgage financing provided by MetLife Home Loans, a division of MetLife Bank, N.A., Equal Housing Lender. ÂŠ 2011 METLIFE, INC. 1202-0758 R0611189920[exp0712][All States][DC]

Saturday, February 25, 2012

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