Herald-Citizen
HOW TO... HOW TO... Special Supplement to the Herald-Citizen Sunday, October 27, 2013 and Regional Buyers Guide Wednesday, October 30, 2013
...Choose a Pizza ...Cut Heat Bills ...Seek Hospice Care ...Choose an Auctioneer ...Install a New Countertop ...Decide on Lasik Surgery ...Pre-Arrange a Funeral ...Share the Care ...Keep Garments Looking New ...Find a Plumber ...Tackle an Interior Design Project ...Connect with Older Grandchildren ...Choose a Roof ...Improve Your Health ...Choose a Pool and Builder ...Choose the Right Skilled Nursing Facility ...Find an OBGYN ...Choose a Primary Care Provider...AND SO MUCH MORE!
2 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to choose a pizza How to cut heat bills Everybody wants it. And everybody loves it. The hot, gooey cheese. The mouth-watering sauce. The crust. And those tasty toppings, of course — everything from pepperoni to mushrooms to olives. Is any food better than pizza? But no two pizzas taste the same. Most are great while others... maybe not so much. Gondola, located at 1156 S. Jefferson Ave., Cookeville, offers plenty of choices when it comes to pizza — Cheese, Meat Lovers, Vegetarian, Hawaiian special, Greek, Gyro, White Pizza, Florentina, Gluten free and much more. Following are some reasons why Gondola’s is a good choice for quality pizza: Freshness and top-quality ingredients Great pizza restaurants should make most of, if not all, their main ingredients, Gondola staff members say. “The key to excellence and gourmet pizza is the dough. That’s why we make our pizza every morning, and we are always trying to improve the recipe. “Gondola, which has offered tradition and quality service since 1970, is the only pizza
restaurant in Cookeville that makes its own pizza sauce from scratch every single day. We make our own marinara, ground beef, sausage and more from scratch, never using canned sauce or frozen meats.” All pizzas, as well as all the dinners, are made to order with nothing pre-made. “Food is served on hot plates and never left to get cold,” Gondola staff members said. Cleanliness When enjoying pizza, cleanliness matters too. How clean is the restaurant where the pie is made? Gondola offers a “high standard of cleanliness.” Not only that, but they strive to make the experience personal for their customers — to make the restaurant feel “like home” in a “family-friendly environment.” Value Of course, “value for your money” is also an important factor, Gondola staff members say. Providing a quality dinner that satisfies the whole family without busting the budget is another thing the restaurant strives to do. For ordering (dine-in or takeout), call 931-854-1466.
with a hi-tech woodstove
Smoke and creosote are half of the fuel value in firewood. Today’s new breed of wood stoves and fireplace inserts burn these waste products as fuel to heat your home. The more you choke the air, the less wood you burn and the more smoke you make that now will burn and make heat. Smoke doesn’t need to be split, stacked, carried in or loaded, makes no ash to carry back out and does not take up room inside the stove. Today’s “smoke burners” are more compact, yet are much more powerful and efficient. Think of how a car would only need a tiny gas tank if it got 100 miles per gallon. More heat from a lot less wood equals huge savings, especially for those who buy firewood. Self-cleaning glass allows a crystal clear view of the smoke burning, which forms a second layer of flame boiling around at the top of the firebox. Compared to older woodstoves, these new wood burners are dramatically cleaner, safer, much less work and far more fun to use. If you’ve already written off having a wood stove in your home due to the mess and smell, it now really pays to reconsider.
How does smoke actually burn? Smoke is really free “homemade gas.” The popular “air injection” system superheats incoming air through a series of tunnels. The expanded super-hot air blasts out in “jets” at the top of the firebox and ignites the smoke. The “catalytic” method uses a catalytic converter (like what zaps pollution in cars, but without the disadvantages). The catalyst lowers the normal ignition temperature of 1100º by about half, making it easier and faster to ignite the smoke. Each method has unique advantages. For “the rest of the story,” and answers to any questions about fireplaces and stoves, come by Custom Fireplaces & More at 1611 E. Spring St. or call 931-526-8181 or 800264-8181. “We have been serving the Upper Cumberlands for 32 years, have a background in education, and are passionate about wood heat and wood heat safety,” they said. “We heat our 4,800 square-foot showroom completely with wood and have no heat bill. See our live outdoor wood burning demos every Saturday or indoors anytime it is cold.”
HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 3
HOW-TO GUIDE
How to choose the right auctioneer What’s the number one factor to consider when choosing an auctioneer or auction company? Experience. That’s what Sam Tays, principal broker and auctioneer with Tays Realty & Auction, said regarding the family business he’s been involved with since his youth. “The cheapest price may not always yield the best results,” he said. “Be sure to compare ‘apples to apples’ in respect to the services auctioneers offer.” View the marketing plan, too. “Auctioneers have at their disposal a world of marketing possibilities and technology,” Tays said. “Be sure that the auctioneers you interview are taking full advantage of these avenues.” The Tays family has been in the auctioneering business more than 35 years, starting with Clarence Tays, who began his career under the late auctioneer M.N. Hargrove. In 1978, Clarence began McWilliamsTays Auction Company with Jim and Heidi McWilliams. In 1989, he and Charlotte Tays started Clarence Tays Realty & Auction. Then in 2000, as more family members entered the business, Tays Realty & Auction LLC was formed. Today, the business is managed by Sam Tays and Charlotte Tays. “We are the largest single office auction firm in the Upper Cumberland with seven auctioneers focusing more than 113 years of licensure experience into the auction business,” Tays said. “We are a local company, serving the Upper Cumberland region and specializing in auctions of all types.” Tays graduated from Monterey High School in 1993 and from Tennessee Tech University with an agricultural degree in 2000. He acquired his apprentice auctioneer’s license in 1993 and brokers license in 2000. “I have been in the auction industry all my life,” he said. “I would say my auction career began as a child, probably with me being more in the way than helpful. Ted McWilliams, an auctioneer on our team, and I grew up working most Saturdays at our auctions. We began our careers as
ticket carriers, which is the first job any auctioneer’s child does. “Then, as we and our muscles grew, we would deliver items both outside for sale and to the buyers. Once we were apprentice auctioneers, we cut our teeth selling the dollar boxes at the end of the sale. “Today, we offer full service auction management and are professionals at what we do. This lifetime of auction activity and experience sets our firm apart. Being children of the profession, we have developed a passion for the auction method of selling anything and everything.” While many types of auctions exist, the two primary types are absolute and reserve, Tays said. “In absolute auctions, the property sells regardless of price,” he explained. “In reserve auctions, the seller has the right to accept or reject the final bid.” Why is it important to hire an auctioneer? Tays offered several reasons: • Auctions are expedited sales. “A typical auction can go from contract to closing in 60 days or less,” he said. • Auctions achieve the maximum marketplace exposure. “Auction sales use saturation marketing techniques to promote the auction event and the property being sold,” Tays said. • Auctions achieve the market price. “The definition of market price is ‘willing buyer, willing seller at a particular time,’” Tays said. “This is an auction.” • Auctions allow sellers to avoid high carrying costs. “Traditional marketing can result in extended holding periods, which result in increased holding expenses (ie. interest, taxes, insurance, security), not to mention lost investment time,” Tays said. • Auctions freeze the market. “Current buyers in the market will take time to investigate the property being sold at auction and, in hopes of buying a bargain, wait until the auction thus freezing the market.” To learn more about Tays Realty & Auction LLC, call 931-526-2307, visit 1546 E. Spring St. Ste. B, Cookeville, go online to www.taysauctions.com or email samtays@taysauctions.com.
HOW TO CHOOSE THE RIGHT AUCTIONEER What’s the number one factor when choosing an auctioneer or auction company? Experience.
That’s what Sam Tays, principal broker and auctioneer with Tays Realty & Auction LLC, said regarding the family business he’s been involved with since his youth. “The cheapest price may not always yield the best results”, he said. “Be sure to compare ‘apples to apples’ in respect to the services auctioneers offer. View the marketing plan, too.” “Auctioneers have at their disposal a world of marketing possibilities and technology,” Tays said. “Be sure that the auctioneers you interview are taking full advantage of these avenues.” The Tays family has been in the auctioneering business 35 years, starting with Clarence Tays, who began his career under the late auctioneer M. N. Hargrove. In 1978 Clarence began McWilliams-Tays Auction Company with Jim and Heidi McWilliams. In 1989, he and Charlotte Tays started Clarence Tays Realty & Auction. In 2000, as more family members entered the business, Tays Realty and Auction was formed. “We are the largest single auction firm in the Upper Cumberland with seven auctioneers focusing more than 113 years of licensure experience into the auction business,” Sam Tays said. We are a local company, servicing the Upper Cumberland Region and specializing in auctions of all types”. Tays graduated from Monterey High School in 1993 and from Tennessee Technological University with an agricultural degree in 2000. He acquired his apprentice auctioneer’s license in 1993 and auctioneer’s license in 1995. He acquired his affiliate brokers licence in 1993 and brokers license in 2000. “I have been in the auction industry all my life. I would like to say my auction career began as a child, probably with my being more in the way than helpful. Ted McWilliams, an auctioneer on our team, and I grew up working most Saturdays at our auctions. We began our careers as ticket carriers, which is the first job any auctioneer’s child does. Then, as we and our muscles grew, we would deliver items both outside for sale and to the buyers. Once we were apprentice auctioneers, we cut our teeth selling the dollar boxes at the end of the sale. Today, we offer full service auction management and are professionals at what we do. This lifetime of auction activity and experience sets our firm apart. Being children of the profession, we have developed a passion for the auction method of selling anything and everything. While many types of auctions exist, the two primary types are absolute and reserve, Tays said. In absolute auctions, the property sells regardless of price, he explained. “In reserve auctions the seller has the right to accept or reject the final bid.” Why Is It Important to hire an auctioneer? Tays offered several reasons: x “Auctions are expedited sales. A typical auction can go from contract to closing in 60 days oofr less.” x “Auctions achieve the maximum marketplace exposure” x “Auction sales use saturation marketing techniques to promote the auction event & the property being sold” x “Auctions achieve the market price. The definition of market price is ‘willing buyer’, willing seller at a particular time. This is an auction. x “Auctions allow seller to avoid high carrying costs. Traditional marketing can result in extended holding periods, which result in increased holding expenses (ie. Interest, taxes, insurance, security), not to mention lost investment time” x “Auctions freeze the market. Current buyers in the market will take time to investigate the property being sold at auction and, in hopes of buying a bargain, wait until the auction thus freezing the market.”
To learn more about Tays Realty & Auction LLC, call 931-5262307, visit 1546 E. Spring St., Ste. B, Cookeville, go online to www.taysauctions.com or email samtays@taysauctions.com.
A4 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to know when it’s time for hospice care
Statistics show that one third of those who die each year suffer from a chronic illness. In a recent Gallup poll, 90 percent of Americans said if they were faced with a terminal illness they would prefer to be cared for at home rather than in a hospital environment. Hospice care is a quality of life choice available when a patient no longer responds to curative treatment. It is often utilized during the last six months of life. When a terminally ill patient cannot be cured with aggressive treatments, the patient and family members have the option of considering hospice care. Quality of life is the most important consideration. The goal in hospice care is to improve the patient’s last days by offering comfort and dignity in a less stressful setting. Hospice care focuses on dealing with all symptoms of a chronic illness with an emphasis on alleviating pain and discomfort. Specially trained caregivers also help patients deal with the emotional, social, and spiritual impact of their disease. The services of hospice care include a variety of counseling and bereavement services for family members before and after a patient’s death. For many families it is difficult to know when
the time is right to consider a hospice. If the patient is receiving treatments that no longer seem to help and the doctor has said there are no alternative treatments or other medical options available, hospice care should be considered. If the patient is very fatigued, sleeping a lot, unable to eat or consistently short of breath, hospice may be an option. When caring for the patient is becoming increasingly difficult for family members, the support of hospice staff can help. If round-the clock hospital care is draining the family financially and treatments aren’t helping, hospice should be considered. Patients are required to have a doctor’s referral to receive hospice care. Hospice care, including medications and equipment, is covered under Medicare for patients with a prognosis of six months or less. Patients can remain in hospice care after six months if a doctor certifies that the patient is terminally ill. If the patient is younger than 65, refer to individual insurance policies for covered hospice benefits. A plan of care is developed for each patient and it is reviewed and revised to adapt to the patient’s condition. To learn more, call Caris Healthcare at 931537-3430.
How to choose a new countertop surface Home projects involving the kitchen can be the most costly in the renovation but can also add the most value to the home. A common, easy update would be installing a new countertop surface. While the look of the top is important, you also want to consider the materials’ durability, maintenance and cost. Laminate is the most affordable countertop material on the market and comes in a wide variety of colors, patterns and edge options. While it can potentially be scratched or scorched, the product has made strides in scratch-resistance in recent years. The manufacturers now use digital technology to create patterns that give the look and texture of natural stones, granites and wood grains at a fraction of the cost of natural. Solid Surface is the next step up in price and varies widely in costs. It’s tough, easy to clean, hygienic, stain-resistant and backed by manufacturer warranty. The seamless look and feel makes this option
beautiful and functional. Stone prices have declined some in recent years and will overlap with the higher-end solid surfaces. Natural stones are mined from the earth then sliced and polished. No two pieces are exactly the same. Prices are based on supply and demand, and the rarer the stone, the more expensive it can be. Stone countertops must be sealed periodically but will last a lifetime. The hardest, most impervious material is quartz. Engineers combine natural quartz with technologically-advanced polymers to create a non-porous surface that’s stain-resistant, color consistent and never needs sealing. This technology is costly yet durable and maintenance-free. Can’t decide on just one material? Mix and match surfaces and put the more costly material on just the work island. Before making a decision, come see the selections at Cookeville Kitchen Sales at 1075 Willow Industrial Court.
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HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 5
HOW-TO GUIDE
How to decide if Lasik surgery is right for you “Lasik surgery can help significantly improve nearsightedness, farsightedness and astigmatism, some of the most common vision problems, even in those who — if they qualify for surgery — haveworn corrective lenses for years.” By now we’ve all at least heard about the “miracle” of Lasik and other forms of “laser” corrective eye surgery — surgery that will allow you to throw your glasses away once and for all. The good news is that a great deal of the hype is actually true — properly prescribed and implemented Lasik surgery can provide radical improvement for many basic sight problems. Without going into too much technical detail, Lasik surgery basically uses a laser to help reshape the cornea and thus improve the focus of light onto the retina and therefore, improve vision. Lasik surgery can help significantly improve nearsightedness, farsightedness and astigmatism, some of the most common vision problems, even in those who — if they qualify for surgery — have worn corrective lenses for years. Is Lasik surgery right for you? First,
your eye doctor should make the initial determination. You may have retinal problems or irregularities, high “intraocular” (inside the eye) pressure which could be an early sign of glaucoma, or even a temporary problem like “dry eye disease” which needs to be addressed before Lasik surgery is performed. Once your eye doctor has resolved these issues to his satisfaction, he may recommend Lasik surgery. You should exercise the same care in choosing a doctor to perform the Lasik surgical operation as you would for any other surgery — seek out recommendations, ask for references and compare prices — and check to see if your eye surgeon is accredited through the American College of Surgeons, and/or associated with a teaching hospital or university — places where he or she is likely to stay abreast of the latest information and technology in the field. Though Lasik surgery has become so popular that people tend to take it lightly, Lasik is a serious, delicate surgical procedure — it would be foolish to take risks or cut corners where your vision is
involved. And there can be complications. Figures seem to indicate that a small percentage of people, about five percent overall, have complications from Lasik surgery. The risk does exist — vision distortion, infection, inflammation, double or ghost images and dry eye among others. Night vision problems and in extreme cases permanent corneal damage have also occurred. Fortunately, most vision errors can be corrected by a second Lasik procedure. In fact, since Lasik is not necessarily a completely exact science, there is also some danger of under or overcorrection which might also require an additional procedure. Other conditions such as diabetes, which effects healing, and diseases or medications which effect the immune system also may effect whether or not you should consider Lasik surgery —you should inform your doctor of all pre-existing conditions and any medications you may be taking well before scheduling a Lasik procedure so that the risk can be adequately assessed. Remember, Lasik is for most of us a
voluntary, cosmetic or lifestyle surgical choice designed to rid us of dependence on eyeglasses and contacts and to, at least in part, improve our appearance or youthfulness. You need to weigh these benefits against the potential risk for you. How much should you pay for Lasik surgery? Costs vary widely and you shouldn’t necessarily pick the cheapest. Costs have risen to almost double in the past few years, partly due to the popularity of the procedure, partly due to increasingly sophisticated procedures being used on more patients — called Custom Lasik, uses 3D imaging to more accurately guide the laser in altering the corneal surface, resulting in more individualized correction of vision problems like myopia, hyperopia and astigmatism. Average prices per eye (how the price for Lasik is always quoted) in 2004 ran close to $2,000 per eye. To learn more, call Dr. Alissa Hudson with Middle Tennessee Eye Associates, 315 N. Washington Ave., Premier Plaza. Cookeville, at 372-1994 or 1-888-8480741.
A6 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to tackle an interior design project
How to connect with older grandchildren
We are a people consumed with home improvement, renovation and new design. And why not? Design publications are launched daily. HG-TV is the rage. Even USA Today features articles on the latest design trends and newest colors. We are also a people who are stressed out, confused and driven to achieve projects equal in magnitude to those featured above. As someone who has spent a day or two in interior design, I’d like to offer a few thoughts on how to tackle a project: Begin by determining a basic color scheme with an accent color or two that will echo throughout your home. Other details include lighting, finishes and furniture. It is well worth the planning time spent. Incorporating these details into your new projects will help you create a sense of balance and flow. When there is visual continuity from room to room, your home takes on a wonderful sense of calm.
When grandchildren are babies and rambunctious toddlers, grandparents enjoy fawning over and cradling them, building bonds of trust and communication. But how do these relationships fair once grandchildren pass through the teen years and into adulthood? A recent Boston College study analyzing nearly 20 years of data from the Longitudinal Study of Generations found that a good relationship between grandparents and older grandchildren results in less depression for both generations. Further, when the 376 grandparents and 340 grandchildren in the study both gave and received tangible support between each other (assistance with money, help with household chores, etc.), the older adults were less depressed. The researchers concluded that grandparents feel bad if they only receive help and cannot give it. The findings also revealed that helping seniors maintain their independence and feel needed is a boost to their psychological well-being. So how can older adults strengthen a mu-
Your opinion may not be the only one that matters, but it’s the one that matters most. Note the trends, note the fashion, but make it yours. It’s your life style. It’s your home. If you are working with a designer, choose one that you trust and with whom you feel comfortable. Communicate your thoughts, goals and preferences, your time table, an, if known, your budget. Good designers today are user-friendly, whose goal is to bring their day-to-day working experience, product knowledge and training to create your design — not theirs. It’s a team effort. Do your research and shopping, but select suppliers who comprehensive product line and services make scheduling and coordination easy and less stressful for you. Your time and piece of mind counts too. To learn more about interior design, call Cavender’s Interior Company at 372-2112 or visit www.cavendersinterior.com. The business is located at 1641 E. Spring St., Cookeville.
tually supportive relationship with their adult grandchildren? Right at Home, which specializes in in-home care and assistance, offers the following advice: • Learn about each other’s interests. Make a list of activities, hobbies and dreams you both care about and talk about why these things are important to you. • Share family memories. Allow both generations to recall experiences of family traditions. Work on a family photo album together and take new photographs. • Ask each other for advice or help. Both seniors and their adult grandchildren have something to offer each other for practical daily living, from help with cooking and computers to finances and friendships. • Enjoy fun activities together. Go to movies, concerts and museums. Take walks in parks. Enjoy an art class or a hobby together, or be adventurous and take a trip together. Right at Home is located at 1680 S. Jefferson Ave., Suite A, in Cookeville. To learn more, call 931-854-1605.
HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 7
HOW-TO GUIDE
How to pre-arrange a funeral Everyone dies, so a discussion on funeral planning is never irrelevant. When someone we love dies, we experience 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 begin talking about the deceased. Experts say being able to talk about the life of a deceased loved one is one of the first steps toward accepting death. Pre-arranging your funeral Pre-arranging your funeral is not much different from any other planning during your lifetime. You buy insurance in case of fire, flood, theft or death, and these coverages are purchased as an act of love and responsibility for those you. A pre-planned funeral accomplishes the same goals. It can prevent family members from making a number of significant decisions at a time when they are confused and upset. Experts say an average of 50 decisions are made when arranging a funeral.
Adding to the need for pre-planning is our complex lifestyle. Family members often live in different states, complicating rapid decision making. Further complications stem from dealing with government agencies in different states. How to plan A call to a funeral director is a good beginning. He or she can help ensure you don’t forget vital information. Some funeral directors offer free booklets of topics to think through and record your wishes. Topics include funeral details ranging from visitation to the memorial service and alternatives from burial, cremation or entombment. These are obvious decisions, but other important topics include categories that will provide a helping hand to your family, including organizations and persons to be notified with phone numbers, medical history, estate information, banking information, real estate holdings and insurance policies. Many include obituary information outlines, personal property inventories and special instruction and information pages. There may also be infor-
mation regarding the importance of your will and making sure it’s accurate and updated. Pre-funding your funeral Pre-funding your funeral is also an important consideration. Your funeral director can show you options which will wave your family from possible financial burden later. Your may take out a life insurance policy which would cover funeral expenses or invest in a funeral trust account or final expense insurance policy. In most cases, funds invested today would be enough to cover the total cost of the funeral since interest earned by the funds will offset the effect of inflation. Government regulations safeguard your investment so funds will always be available for use. Another important part in your plan is to make sure your loved ones know where your recorded wishes can be found. Millions of dollars in government and insurance death benefits go unclaimed because family members do not know where to find information they need at the time of death. Some considerations that also need to re-
main in the forefront of the pre-planning agenda are as follows: • 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: Honorably discharged veterans are entitled to benefits that may 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. • Medicaid: There are provisions under Federal Title 19 that allow an individual to shelter funds to serve the family later by providing for funeral arrangements. For more information about pre-planning a funeral, contact Crestlawn Funeral Home.
A-8 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE How to choose a gynecologist Choosing a gynecologist can be stressful for women since this health care provider consults us in some of the most intimate arenas of our health, sexuality and well-being. Even for those of us who enjoy good health, we rely upon our OB-GYNs to see us through some of our most emotional transitions: contraception, conception, childbirth, PMS and menopause. In health crises, we often turn to our OB-GYN when our periods are late, when our pregnancies are complicated, when our systems malfunction, when we have an abnormal Pap smear or when we find a dreaded breast lump. Yet most of us spend more time choosing a hair stylist than choosing a gynecologist. Highlands OB-GYN recommends the follows tips for choosing the best gynecologist for you: Choosing a gynecologist • Identify your needs first, such as any limitations or lists from your insurance carrier. • Consult your other physicians. • Consult your friends and family
network. • Request information from your county medical society. • Select a gynecologist who is board certified in obstetrics and gynecology. • Call the doctor’s office. When to visit • Annually, after age 18 or after becoming sexually active, whichever is first. • When considering becoming pregnant for a preconception counseling visit. • As early as possible in a pregnancy. • When you have any unusual signs or symptoms in your breasts, vagina, lower abdomen, urinary system, period or PMS problems, hormonal concerns, or need for contraception. Because GYNs play such an important role in your health and well being — and because they play such a central role in one of the most private aspects of your life — the right one may take some initiative, time and planning. To learn more, call Highlands OBGYN at 931-400-0231.
How to keep garments looking like new The objective of fabricare is to clean and restore garments to a condition so they look new. Following are some “do’s and don’ts” to keep in mind: Do’s • Save the hanging tags that come with garments you buy. Show them to your drycleaner and take note of instructions that have to do with home care. • Brush your clothes regularly and thoroughly. • Dry rain-soaked or damp garments thoroughly in a cool, well-ventilated place before hanging in a closet. • Have garments dry-cleaned regularly. Even nominal accumulation of perspiration, grease, grit and dust particles impair the attractiveness and longevity of a garment. Garments cleaned regularly last longer. • Take stained garments to the drycleaner immediately. Exposure to air, heat and light sets stains and can make their removal impossible. When a garment has been stained, tell your drycleaner about the staining substance; it is
important for successful stain removal. Dont’s • Press a garment if it’s stained. The heat of pressing will set the stain in the fabric and possibly make its removal impossible. • Hang knitted garments. Hanging stretches them out of shape and causes a sagging hemline. Knits are best stored in a drawer or folded over a padded hanger. • Use untested (or even tested) home stain removers. They can aggravate the condition of the fabric or may create permanent damage like color loss. Take the garment to One Hour Martinizing for professional stain removal and cleaning. • Use nail polish remover to remove nail polish stains. This may damage the garment’s dye. If the garment is acetate, nail polish remover can create a hole in the fabric. • Store garments at home without having them cleaned and mothproofed before storage. Be sure that the storage boxes or cedar chests used are kept in a cool dry place. To learn more, call One Hour Martinizing at 526-4687 or 526-5227.
HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 9
HOW-TO GUIDE
How to choose insurance
Insurance agents and brokers can streamline your insurance purchases and become your ally if you run into insurance problems down the road. The terms “agent” and “broker” are often used interchangeably, but is there a difference? Technically, an agent sells insurance from one insurance company, while brokers represent many carriers. An “independent agent” is unaffiliated with any particular insurer and represents a range of companies. GETTING STARTED Do your homework before you set foot inside an insurance agency. First, identify what you want in auto, health, home, life, business and other insurance products. Write it down. This list of features becomes the summary plan that you will give to agents and brokers in exchange for price quotes. When you are in the shopping-around stage, you can go online to get price quotes and ballpark figures for useful comparative rates. It helps you know what costs you are facing. THE RIGHT AGENCY Look for strong service reputations and seek out testimonials from other satisfied customers. Use any contact you have in the insurance business to find out what agents are considered the most helpful. Ask how long the agency has been in business and what insurers it works with. Longstanding agencies have clout with insurers and they can be your advocate if you face a claims problem. Don’t be shy about asking for references — and following up on them. Work with insurers that are financially stable. Rating services such as Standard & Poors and A.M. Best rank insurance companies based on financial stability and performance, and good brokers will discuss with you the financial status of the insurers they work with. Often, one agency can handle all of your insurance business. According to the Better Business Bureau, one way to save money is to insure all your automobiles with the same company or agent and to buy your homeowners policy or other insurance policies from the same source. Multi-policy discounts are common. Ask about long-term holder discounts. Also, ask what other services the broker offers and at what costs. Alternately, you can shop around based
purely on price comparisons. If you treat insurance just as a commodity, brokers might not appreciate it, but you have the right to shop until you are satisfied. However, watch out for low-ball quotes. Here are some words to know while shopping for insurance: Conditions — Explanations in the policy of your and your agent’s responsibilities. For example, how claims are to be filed and what proof you must submit with your claim. Coverage — Description in the policy on specific circumstances which you can receive benefits. Deductible — The amount of a loss or claim you must pay before you can collect. Premium — The cost of the insurance policy. RATINGS ARE IMPORTANT It’s also important to understand the ratings, especially in car insurance. The rating is the process by which the price of your insurance coverage is determined. States are divided into rating territories. Your insurance agent, in the case of car insurance, bases part of the price of your policy on the claims history of all the drivers it insures in your territory. Often, there are discounts related to age and household or marital status. GET SMART According to a recent survey commissioned by the National Association of Insurance Commissioners, 67 percent of Americans feel they have about the right about of insurance coverage, although only 28 percent say they understand the details of the coverage “very well.” Your state’s department of insurance can provide rate guides for both auto and homeowners insurance, which can help consumers shop wisely for the insurance they need. Carrie Thompson, Owner/Agent Offering Homeowner, Personal Auto, Business Property & Auto, Small Business Payroll, Umbrella, Disability, Cancer, Annuities, Bonds, Health, Dental, Life and Worker’s Compensation Insurance Call 528-7232, (931) 510-7648 (cell) or toll free (800) 481-7232. Fax: (931) 5263934. Email: carrie@hbs4u.com Find us at 1640 S. Jefferson Ave., Cookeville, TN 38501 or on the Web at www.healthbenefitsolutions.com.
Carrie Thompson Owner/Agent
Homeowner • Personal Auto Business Property & Auto Small Business Payroll Umbrella • Disability • Cancer Annuities • Bonds • Health • Dental Life • Worker’s Compensation Local: (931) 528-7232 Toll (800) 481-7232 Fax: (931) 526-3934
Cell: (931) 510-7648 Email: carrie@hbs4u.com Find us on
1640 S. Jefferson Ave. Cookeville, TN 38501 www.healthbenefitsolutions.com
A-10 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to choose the right funeral home Making decisions about a funeral can be confusing, especially since family members are already experiencing emotional distress. A caring funeral director can help guide you through planning a funeral as painlessly as possible and help carry out any wishes the deceased may have requested in advance. Funeral directors are trained to assist you in making decisions, and they can suggest options that best fit your financial needs. When considering funeral homes, ask other family members, your minister and friends if they can recommend a good funeral home. Go visit the funeral homes in your area and see which ones impress you the most and make you feel good about them. Some funeral homes are family-run businesses while others operate more like a corporation with several branches in different locations. Some funeral homes are very personable, while others are isolated to a particular “business-model.” Discuss available services to determine which funeral homes best suit the desires and special needs of your family.
“It’s often been said, ‘People don’t care how much you know until they know how much you care.’ Our goal is to treat you like family... because we care.” The Federal Trade Commission requires all funeral homes to present you with a written price list of all the potential services and merchandise offered by that funeral home. Whether your wishes are for a traditional funeral service, graveside service, traditional cremation or direct cremation and immediate burials, all of these services would be available on the price list. Presley Funeral Home is a local family owned and operated funeral home. Its owners and staff have deep roots in Putnam County and collectively share a desire to care for their friends during the loss of a loved one. Its staff is made up of father
and son, Bryant and Seth Presley, along with *Lynne Lee Presley, *Annette Lee Goss, *Clayton Lee, Jr., *Jerry Abston, *Dow Allen, *Tommy Benson, *Steve Demps, *Madelyn Key, *Justin Maxwell, *Bettie Presley, *Joe Smith, *Mike Webb, *Dustin Williams and *Mark Randolph. (* denotes unlicensed staff) Presley Funeral Home offers all types of Funeral and Cremation services, as well as pre-arrange funeral plans and can transfer pre-need plans from any other funeral home. “Presley Funeral Home is committed to providing the highest level of respect, personal care and professional service,” staff
members said. “We realize how dynamic the decision making can be when choosing a funeral home, whether it be location, facilities or personnel. “It is our goal to maintain a pleasant and friendly environment, well maintained facilities and offer genuine compassion to our families. “It’s often been said, ‘People don’t care how much you know until they know how much you care.’ Our goal is to treat you like family... because we care.” Presley Funeral Home is located at 695 Buffalo Valley Road in Cookeville. To learn more, call 931-528-1044 or visit www.presleyfuneralhome.com.
HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 11
HOW-TO GUIDE
How to exercise to improve your physical health
Diet and exercise are the yin and yang of personal health and fitness, but if you have to choose one without the other, choose exercise. Though there are varying opinions on low-fat, low-carb, and the thousand other diets that are on the market, everyone seems to agree that regular exercise is the one thing you can count on to help you improve your overall health and lose weight. Of course, before you begin any exercise program, you should check with your doctor and, if you’ve never exercised in any regular way before, pick up a book which will tell you about how exercise effects your body and provide you with a basic warm up to make sure you don’t injure yourself by working to hard too fast — there is nothing more frustrating then beginning an exercise program and then being stymied by a pulled muscle or other injury that can sideline you for months. A lot of exercise choices are out there from aerobics classes to yoga to weight training to walking, and there’s also enough information available out there at your local gym, YMCA, YWCA etc. for you to be able to pick and choose what kind of exercise is right for you. The difficult part is sticking with it, and here are a few tips on how to start an exercise program that becomes part of your daily life. Walk — Walking is universally recommended as an exercise that is low impact, that just about everyone can do, and if done every day and for a reasonable amount of time, can have great results. So whether it’s on a track, around the neighborhood or at a local mall, walk. The latest trend is walking is the 10,000 step method, which basically specifies that you should walk at least 10,000 steps each day. Strap on a reliable pedometer and see how close you are to reaching that goal. Time — Set a specific time and alternate time for exercise at least every other day, and have some reachable short term goals, such as “two inches of my waist by my birthday” or “20 pounds by Christmas.” Even a 10 percent loss in body weight can help improve a variety of
health problems. Though daily exercise is important, if you exercise at least an hour or two every other day you’ll be doing well. The reason for the alternate time is that if you have a doctor’s appointment at 9 a.m., you’ll be tempted to skip that day unless you’ve planned to exercise later. Be consistent — If your doctor has approved your exercise program, remember that you will be tired and your muscles will hurt if you have not exercised in some time. Another one of the major ways beginning exercisers defeat themselves is by the “how can lose weight when I’m so overweight that exercise hurts?” It’s going to hurt, and the only cure for the pain is more regular exercise. You’ll be surprised how quickly you deteriorate if you stop your plan for even a week, and if you’ve been working hard, your muscles will ache even more as they lose tone than they do when you’re using them regularly. Remember, if it came in a bottle, everybody would have a good body. You need to work on it and work through the minor aches and pains. (If they become persistent, see your doctor.) Diet, too — Being overweight and out of shape brings on all sorts of other problems, from low self esteem to lack of energy to depression. Fortunately, diet and exercise can help you tackle all of these other problems. Force yourself to join Weight Watchers, or a gym or take a yoga or other non-threatening fitness class. Get out there, interact with other people who, whether you want to admit it or not, have the same problem you do. Results — Don’t lie to yourself or others. Buy yourself a scale and a full-length mirror, and use them to get real and get proud. The scale tells you what you really weigh and the mirror tells you what you really look like. Use them regularly — not to torture yourself, but to prove that you can make progress toward a healthier happier you day by day. To learn more about a healthy lifestyle, call Putnam County Family YMCA at 5281133 or visit 235 Raider Drive, Cookeville.
12 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to find the right plumber Plumbing is an important part of home maintenance, so you should look to hire an efficient, experienced and competitively priced plumber to get work done to your satisfaction. Hiring an inexperienced plumber puts you at risk for poor workmanship — and you may end up paying a higher price with no guarantee for the work done. Cookeville Plumbing, locally owned and operated by Joe and Veronica Spiecker, offers the following tips on finding the right plumbing company: • Ask for references from family and friends. • Use the internet. (For example, check with Angie’s List, the Chamber of Commerce and companies with personal websites — such as cookevilleplumbing.com — as oftentimes they have client testimonials.) • Make sure they are fully licensed and insured and will leave your home clean after the work is completed. • Ensure that company does background checks on their technicians for your family’s safety. • Make sure they are able to address your
problem in hours, rather than days, and that they are adequately staffed to provide 24hour emergency service. Joe Spiecker of Cookeville Plumbing has been in the field 20 years and is a multiple state licensed master plumber, certified water specialist, certified installer, backflow certified and is an authorized service provider for AO Smith, Whirlpool and American Water Heaters. His wife, Veronica, has worked alongside him doing behind-the-scenes work and now operates the showroom and service center. Follow are some of their frequently asked questions: Q. Is it safe to use chemical drain cleaners? A. Drain cleaners are usually very toxic — not a good thing to keep around the home, especially if you have children or pets. These toxic chemical also have a negative effect on your pipes, causing deterioration from the inside out. When this happens, the drain lines will need to be replaced. For serious clogs, contact a professional plumber. Q. Besides a leaking faucet or pipe, what else can contribute to a high water bill?
A. Leaks are commonly found in toilet tanks, resulting from worn parts or improper alignment of a part of the flushing mechanism. Stop these leaks right away because they’ll add up in your monthly utilities. Q. My toilet is running — what can I do? A. A running toilet is usually the result of a broken or faulty flapper (aka, flush valve or “tank” ball) in the bottom of the tank that needs to be replaced. The chain in your tank could be the culprit as well. If it is too long it can get caught under the flapper. Q. Water doesn’t enter the toilet bowl when I flush. What is wrong? A. First, make sure your water supply is turned on. After you’ve determined this, remove the toilet tank cover. Chances are it is the chain to the flapper that has either broken or come loose. Another possibility could be a blockage in the toilet “jets” that run around the rim of your toilet. Q. My toilet tank won’t stop over flowing. What should I do? A. Most of the time this means the fill valved in your tank has a leak. Another possibility is the shaft or wire used to set the
level could have corroded off. If the shaft or wire is the problem, replaceing it should fix the problem. Q. What should I do if I have a major water leak in my home? A. First, turn of your water supply at the main shut-off valve. As a homeowner, it’s important to know where this is located and educate your family member as well. Many times the shut-off is under the house. In that case, you can have it moved to a more accessible location or shut it off at the street. Second, always contact a professional plumber during emergencies — and don’t touch any wet electrical fittings. “Cookeville Plumbing is committed to providing the highest quality plumbing services available to commercial, industrial and residential clients,” Spiecker said. “We strive for 100 percent customer satisfaction using the highest quality products and the best trained service plumbers available. We are committee to serving you each and every time with honesty and integrity.” For more information, call 526-9287, stop by 1020 N. Washington Ave. or visit www.cookevilleplumbing.com.
10 OFF
$
Any Repair or New Installation
Not valid with any other offers
(931) 526-9290
HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 13
HOW-TO GUIDE
How to choose the right skilled nursing facility Having a family member in the hospital can be very difficult. If they are not able to return home immediately after their hospital stay, choosing the right skilled nursing facility, or SNF, to send them to before returning home can be even more difficult. This decision, though daunting, is vital to their future quality of life. Lee Rooney, administrator of Bethesda Health Care and Rehabilitation Center, offers some suggestions to make the choice much easier during such a confusing time. Touring each facility is the most beneficial step in reaching a decision on which SNF is right for your family member. What better way to judge of the right place to receive care than with your own eyes? Cleanliness, large common areas and friendliness of staff all affect the atmosphere of a facility. “We encourage our guests to meet our nurses and therapists, and encourage them to ask questions about our facility and our care,” Rooney said.
“Communication is key in providing great health care.” While touring, here are the top five areas to consider: • The therapy department: If the goal is to have your loved one return home, the therapy department plays a major role in getting them back on their feet and home safely. Check to see if they have adequate, updated equipment to prepare them for their return home. Having an outpatient therapy program would also be beneficial so that your loved one can continue their therapy from home with therapists who know them, their health issues and progress thus far. For those who have pets at home, pet therapy is a nice amenity to help people cope with being away from home. “At Bethesda, we even go as far as to allow people to bring their small pets to visit,” Rooney said. “You would be amazed at how much it helps motivate and uplift our patients.” • Special medical needs: Make sure a facility you are considering can appro-
priately meet your family member’s medical needs. Do they have an IV, a tracheostomy or need dialysis or special wound care? Ask each facility if they can accommodate those needs to assure the best medical care. • Insurance coverage: For most SNFs, Medicare is the primary payor source initially, whereas Medicaid is the coverage for long-term care. Secondary insurances, such as BlueCross Blue Shield, United Health Care, or Humana, may cover expenses that Medicare does not pay. It is best to check with the insurance office at each facility to confirm coverage and copays. • Consistency of staffing: Consistency of staffing has been found to improve both the quality of care, and the comfort of the patient. Look not only at nursing, but therapy as well. Bethesda’s therapy department boasts a consistent in-house staff of physical therapists, occupational therapists and speech therapists. This consistency allows relationships to be built between
patients and staff. • Activities: Keeping up hobbies and recreation is another important aspect of getting well. Make sure daily activities are provided, and that they are appropriate for you or your family member. Bethesda provides between two and five activities a day to enjoy between therapy sessions, including church services, popcorn and a movie, and painting classes. In addition to everyday activities, Bethesda hosts special events, such as senior prom, antique car shows and craft fairs. While this decision is not an easy one, educating yourself on your options can make the process less intimidating. For more information about skilled nursing care and rehabilitation after a hospitalization, call Rooney at (931)525-6655 or visit Bethesda Health Care and Rehabilitation Center at 444 One Eleven Place in Cookeville, right off Highway 111 next to the Putnam County Board of Education.
14 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to choose a metal roof How to share the care Metal roofing has many advantages, and, contrary to what you may have heard, is competitive when it comes to “paying the bill.” Tuff Rib, the primary product at Watson Metals in Cookeville, is less expensive than quality shingles — but cost is not the only consideration. “Metal roofing shines in performance, offering superior protection against the elements,” said Mike Dickerson of Watson Metals. “It will not burn or support combustion and is much more wind-resistant, impervious to water absorption and cannot be penetrated by hail. It reflects the majority of the sun’s rays, so it doesn’t retain as much heat as wood, asphalt shingles or tile. This means it could help your attic stay cooler longer, leading to a reduction in energy bills. And, contrary to popular belief, metal roofs aren’t noisy in rain. According to one study, the noise levels are about the same as products like asphalt shingles, wood shingles or clay tiles.” Dickerson said in most applications over asphalt shingles, Watson Metals roofs can be applied directly over the old roof, saving money and eliminating a great deal of mess and the cost of disposal.
“We recommend using lathe boards, or ‘nailers,’ which also provides added air circulation under your metal panels,” dickerson said. “In addition, with no old roof to dispose of, landfill space is spared, helping to protect our environment. Metal roofing materials are less than one-third the weight of asphalt.” It’s also beneficial during lightning stores: “Grounding of any exterior metal siding or roofing is not recognized as necessary by any major building code organization,” Dickerson said. “Because meal roofing is both an electrical conductor and a noncombustible material, it is the most desirable construction material available, actually protecting buildings from lightning strikes.” In addition, a metal roof won’t dry out, split, curl, peel or flake like conventional roofing products and lasts substantially longer than any other roofing product on the market. Metal panels are also effective and attractive for other applications, such as residential siding. To learn more about metal roofing, call 931-728-8185 or visit 1210 S. Jefferson Ave.
“Mom always liked you best.” And the truth is, birth order and parental preferences do impact caregiving situations in families with multiple siblings. Research shows 64 percent of youngest siblings are primary caregivers compared with 57 percent of oldest and 49 percent of middle siblings. This research resulted in the initiation of the “50-50 Rule,” which refers to the average age when siblings are caring for their parents (50) as well as the need for siblings to share in the plans for care (50/50). The program is designed to help adult siblings and their aging parents discuss those sensitive situations that arise as their parent’s age and need assistance. Senior caregiving can either bring families together or cause sibling conflict and can be very emotional. Following are tips on how siblings can better share the care: • Talk and listen. Parents often want to maintain independence. Honor that. • Research options. There are many types of services available, look for organizations and resources that can help you meet your needs. • Plan ahead. If your mother wants to stay home and “age in place,” decide if some-
one in the family be supplementing that care, or if the duties will be divided among siblings. Will you need the expertise of licensed “at-home” caregivers? • Be flexible. Take all things into consideration when deciding on the plan of care; take into account each family member’s interests and skills, as well as their availability. • Be honest. Ask for help if you are feeling overwhelmed as the primary caregiver; consider seeking help from companies who specialize in these caregiving services. Home Instead Senior Care provides an array of services to enhance the lives of aging adults and their families. The company’s service list is extensive in range from companionship to personal care, meal preparation to medication reminders, as well as errands and transportation. Also offered is specialized care for those diagnosed with Alzheimer’s and other dementias. For more information on the 50-50 Rule or more Home Instead Senior Care services, call 931-526-1127 or visit www.homeinstead.com/cookevilletn.
HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com — 15
HOW-TO GUIDE
How to choose a pool and pool builder
Investing in a swimming pool is a big decision. Choosing the right pool and right company to construct your pool is critical to maximizing your enjoyment. The trend is to create a backyard that homeowners can escape to that makes them feel like they are on a vacation. If you plan and do a little bit of research, you can enjoy a vacation every day. There are several different types of pools you can invest in, each offering its own features and benefits: Vinyl liner pools Vinyl liner pools can be completed within a week or two. Typical construction consists of steel, concrete or wood walls, liner, steps and surrounding decking. Vinyl liner pools are in-ground pools, and you can vary the size and water depth. They also offer options such as fiber optic lighting, pool sweeps and many different shapes. Prices vary but typically range from $20,000 to $30,000. Keep in mind that you will have to change your liner. Depending upon the initial quality and how well you maintain your pool, your liner should last an average of 10 to 15 years. Replacement liners cost $1,800 to $3,500, depending upon the thickness and size. Fiberglass pools Fiberglass pools are one-part shells that are lowered into the ground after excavation. They are functional and can be designed in many different shapes and sizes. Fiberglass shells vary in methods of fiberglassing shapes and sizes. Manufacturer’s warranties are only effective if pools are installed properly, so be sure your builder has experience in installing fiberglass pools. Research the type of fiberglass shells carefully. They typically range from about $20,000 to $50,000. Choosing a pool builder Once you’ve decided on which pool you want to invest in, it’s time to choose a builder. Talking with friends or family who have built pools is the first recommendation. When interviewing potential builders, ask for a list of customers you can contact. Obtain at least three written
quotes. Viewing one of your builder’s finished pools is a must. Many people do not take this extra step. Things you should do Ensure that your builder knows local zoning, grading and building requirements; inquire about worker’s compensation and general liability insurance; check with the Better Business Bureau; ask about location of your filtration equipment and electrical requirements; and discuss possible damage to shrubs, trees, plants and driveways. Be clear about who’s responsibility in repairing possible damage. For in-ground pools, there is a lot of dirt that will need to be removed from the property. Be sure and ask your builder to remove the dirt. Get the pool company’s warranty in writing and review it thoroughly. Maintenance Once your pool is built, it is time to enjoy. Now comes the dreaded part — maintenance, right? Absolutely not! Automatic cleaners are inexpensive and will save many hours of vacuuming . Set your timer for whatever time you want the auto cleaner to come on, and by the time you get home from work, your pool is clean. The test kit only takes a few minutes. Your builder should supply you with written instructions in pool maintenance so that you may reference them if necessary until you become comfortable with your maintenance schedule. Safety Common sense is the rule of thumb regarding safety around your pool. Supervise children, and stow life saving equipment nearby. No running or diving in shallow water, install handrails if necessary, and ensure deck area is non-slip. Accidents in and around pools are rare; however, you might consider an umbrella policy. Insurance companies will provide you with one policy if you ask. A typical $1,000,000 policy usually runs about $200 per year. To learn more, call Aqua Pools Construction at 931-738-2008.
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16 — HERALD-CITIZEN, Sun., Oct. 27, 2013/REGIONAL BUYERS GUIDE, Wed., Oct. 30, 2013, Cookeville, Tenn. — www.herald-citizen.com
HOW-TO GUIDE
How to choose a primary care provider
Innovative Family Care is a family medical practice that provides primary care for patients of all ages, from newborn to end of life. Dr. Chet Gentry, MD and Dr. Pamela Sanders, MD have more than 30 years of experience in family practice, including neonates and children. They are both experienced in hospital medicine and emergency care. Both physicians are board-certified in family medicine. In addition, Dr. Gentry is board-certified in hospice and palliative care. Linda Quarles, FNP and Alison Hicks, FNP are both licensed family nurse practitioners with several years in the health care field. As a primary care practice, we provide the following: • Preventive services, including immunizations, lifestyle education and screening tests for chronic disease as recommended by the U.S. Preventive Task Force • Education in healthy lifestyle
Leaders in the fields of: • Electronic medical records to ensure quality and efficiency in your medical care and information; • Advanced access scheduling to ensure you have access to medical care; • Mid-level providers to provide more comprehensive care and education; • A team-based approach to ensure communication and quality in care; • Comprehensive care planning, including end-of-life planning. habits, exercise, nutrition, obesity treatment and smoking cessation • Treatment of acute illnesses, injuries and infections • Treatment of chronic illness • Care coordination as you access care from specialists and other health care settings The providers at Innovative Family Care have been leaders in the field in several areas: • Electronic medical records to en-
sure quality and efficiency in your medical care and information; • Advanced access scheduling to ensure you have access to medical care; • Mid-level providers to provide more comprehensive care and education; • A team-based approach to ensure communication and quality in care; • Comprehensive care planning, including end- of-life planning. We are a member of the first Ac-
countable Care Organization in the Upper Cumberland, which is now the largest primary care organization in the region. You will find our physicians, nurses and staff friendly, professional and caring. We are continually undergoing additional training and education in order to ensure that you get up- todate, evidence-based care. To make an appointment or establish care, call 931-598- 9222 .