HOW MARCH 2013
GUIDE A Special Publication of the I-75 Newspaper Group Sidney Daily News Troy Daily News Piqua Daily Call
2
March 2013
CONSUMER HOW TO GUIDE • I75 NEWSPAPER GROUP
How to choose the right diamond for you Diamond shopping can be very fun and exciting, but with numerous options it can also be a very daunting task. As with any major purchase, it is best for consumers to be aware of exactly what they are purchasing. To the naked eye two diamonds may appear the same, but in actuality they may have greatly different values. “It’s important for consumers to have general knowledge of a stone’s quality before they purchase it,” Jon Allison, owner of Allison’s Custom Jewelry, said. The Gemological Institute of America (GIA) has established a standard system for grading the quality of diamonds, commonly known as the four C’s. The four C’s include: cut, carat, color and clarity. Cut refers to a diamond’s angles and proportions. Cut is commonly misinterpreted with the diamond’s shape. While cut and shape are related, it is the cut of the diamond that determines how much light will be reflected, which creates that sought after sparkle effect. The better the diamond’s cut, the more light it will reflect. If a diamond is cut too deep or too shallow the light entering through the top will escape through the bottom. Shape is merely a matter of personal preference.
The eight most popular shapes are round, marquise, pear, oval, emerald, princess, radiant and heart. Since round diamonds are the most symmetrical and capable of capturing and reflecting the most light, it is the most brilliant of all diamond shapes. Carat refers to the diamond’s weight. This is often confused with size, but the two are also related. Carat is the easiest of the four C’s to determine. One carat is the equivalent to .20 grams. One carat can also be divided into 100 “points,” so for example a 75 point diamond weighs .75 carats. Fine quality can be found in diamonds of all carat weights. A diamond with a smaller carat weight can be more valuable than one with a larger weight, if the smaller diamond has fewer imperfections. Color refers to the degree to which a diamond is colorless. Diamonds are graded on a color scale ranging from D, colorless, to Z, vivid yellow. Colorless diamonds are most valuable. The difference between one color grade to the next, such as G to H, is very subtle and hard to detect by the untrained eye. This is why diamonds are graded under controlled lighting conditions and are compared to a master set for accuracy. While increasing shades of yellow do decrease a
diamond’s value, it may not decrease its beauty. If the diamond is cut well, the amount of light it disperses can often disguise certain degrees of discoloration. The average purchased diamond carries a grade of I or J. Clarity refers to the presence of inclusions in a diamond. Most diamonds have natural birthmarks called inclusions. These inclusions are identifying characteristics, such as minerals or fractures, which occurred while the diamond was forming in the earth. Most are not visible to the naked eye. Therefore, jewelers use 10x magnification to get a better view of the diamond’s inclusions. While inclusions do not generally affect the diamond’s beauty and usually cannot be seen, their presence reduces the price. Clarity is graded on a scale with a range from internally flawless (IF), very very small inclusions (VVS1-VVS2), very small inclusions (VS1-VS2), small inclusions (SI1-SI2) to imperfect (I1-I2-I3) with eye visible inclusions. “Quality is up to the individual as to how much they want to spend,” Allison said. “Different factors affect every consumer’s decision. The thing is trying to get the best possible look out of the stone for the best value.”
104 E. Mason Road Sidney, OH
937-492-6937 Hours: Mon-Wed. 9-6; Thurs 9-1; Fri 9-8; Sat. 9-3;
Camo Wedding Bands
Closed Sun
with
Allison’s... a dependable,
qualified jeweler
Thank You for
38 years of Continued Support and Patronage. 2376445
I75 NEWSPAPER GROUP • CONSUMER HOW TO GUIDE
March 2013
3
How to protect your assets by moving them People have many opinions about whether you should transfer assets when you want to protect them from nursing home and other health care costs. The Ohio Department of Job and Family Services (ODJFS) calls the transfer of assets an improper transfer, but there is absolutely nothing illegal about making such a transfer. In fact, transferring assets may be the appropriate thing to do if it is mom’s or dad’s wishes that their entire estate not be consumed by ever increasing health care costs. Anyone, your neighbor, your banker, your health care professional, your financial or legal professional, who advises you that your only option is to spend all of your assets until you reach $1,500 doesn’t understand the current Medicaid rules as they relate to the transfer of assets. Some Common Misconceptions 1) An improper transfer of assets is illegal. This is just not true. The Internal Revenue Service calls the same transfer a gift and there is nothing illegal about making gifts at any time in your life. 2) An improper transfer will make the person seeking Medicaid benefits ineligible for five years. Again, not true. When ODJFS reviews bank and financial records for the past five years (and they will!), they look for transfers. If they find any, they must apply a formula to determine a period of ineligibility.
3) People with money should pay their way until they reach $1,500 and qualify for Medicaid only after their money is gone. The answer here is what did mom or dad really want. Do they want to have worked their entire lives only to give it all up for health care costs, or do they want to leave something for their families, their church, their grandkids, or any other charity? In short, do they want to control where their assets end up or do they want to give it all to the health care system and lose all control. But an analogy is in order here. The Internal Revenue Service states that you MAY take deductions on your taxes for your children, for your home mortgage, and for many other things that the IRS allows, as long as the deductions are legal and within the rules. But the IRS does not say that you MUST take those deductions. In other words, if you don’t know the deductions are available or you just feel that you aren’t paying enough in taxes, you can always not take the deductions and send the IRS more money!!! Understanding the Medicaid rules is no different. If you understand them and use them properly, you can take the legal “deduction” that the rules offer. Alternatively, you can continue giving them too much money. Concerns with Transfers 1) Timing is extremely critical. The actual dates of
the transfers are not as critical, but the Medicaid application date is!! 2) Identifying and getting the proper valuations on property to be transferred is critical. 3) Identifying what property that can be transferred is critical. 4) Understanding your options with real estate. 5) Who will handle the transferred assets? 6) Can assets be transferred after someone is already in the nursing home? (YES, by the way!) In short, transfer planning can be a very valuable tool in preserving assets. This tool provides flexibility in managing the assets, avoids probate and Ohio Estate Recovery, and maintains quality and dignity of life for mom or dad. Without this planning and once resources are exhausted, mom or dad in the facility will exist on $40 per month. With this planning, they can still make gifts to their kids and grandkids, to the church or other cause. As with any other planning tool, it is extremely important to review your situation and goals carefully before making any decisions. Nothing in this article is intended as specific legal advice and a qualified attorney should be consulted to review your particular circumstances. – Jeff Brumbaugh, Attorney at Law
Brumbaugh & Clark, LLC A Legal Professional Association
Jeff Brumbaugh
Christopher D. Clark
Attorney at Law
Attorney at Law
Practicing in the following areas of Law:
Elder Law Medicaid Planning Trusts Powers Of Attorney Wills
Civil Litigation Personal Injury Medical Malpractice Guardianships Estates
Now with offices in:
Troy (937) 332-0138 Springfield (937) 629-3529
Wapakoneta (567) 356-5070 Marysville (937) 214-0684
4
March 2013
CONSUMER HOW TO GUIDE • I75 NEWSPAPER GROUP
How to choose the right rehabilitation services for you Most people don’t think about rehabilitation until they need it. Even then, it’s often a physician or other health care professional who recommends rehab to continue the person’s recovery after a disabling illness, injury or surgery. It’s the goal of a rehabilitation facility to help people resume the ordinary activities of daily life that they enjoyed before: earning a living, raising a family, running a home, pursuing a hobby, playing sports, living independently. A good rehabilitation program offers therapy and education to avoid further injury. The Pavilion of Sidney offers a nurse liaison that collects are medical records prior to admission so that a patient has less to worry about as well as ensures the staff has the necessary information to provide the best care possible. The type of rehabilitation facility you choose depends on the kind of illness or injury experienced and its severity. There are two main types of rehabilitation facilities: Outpatient facilities where patients come and go for treatment on a daily or weekly basis. Inpatient (or acute care) facilities where patients stay for days, weeks or months, depending on their condition. Outpatient Care Outpatient activities may stand on their own or be part of a comprehensive rehabilitation facility. They commonly have therapy programs for: Sports injuries Hand rehabilitation Stroke and other neurological injuries Speech-language or cognitive deficits Orthopedic rehabilitation (including osteoporosis or arthritis) Industrial rehabilitation and return-to-work services Inpatient or Acute Care Facilities Most people who are admitted to an inpatient rehabilitation facility are recovering from injuries or illnesses that severely impair their physical functioning or under-
standing. These include: Strokes Spinal cord injuries Chronic pulmonary problems Neurological disorders Joint replacements Surgical aftercare Other debilitating conditions. Consider the following factors in selecting an inpatient rehabilitation facility: • Does it have a physical entity equipped with the best in medical care, technology and facilities? • Does the facility provide 24 hour nursing care? • Are its services well integrated and provided by multi-disciplinary teams? • It is accessible to your family and friends? Is it located near highways? • Does it have a caring and restful atmosphere? • Is the staff friendly and courteous? • What size is the facility? Is it small enough so that a patient doesn’t feel “lost in the crowd?” • Does it offer more that the basics in terms of facilities and services? For example: Does it have a pool for aquatic therapy or a sports program for people with disabilities? Certain services should be available daily or twice daily: occupational, physical and speech/language/hearing therapies as well as social work and psychological counseling. Other important services are recreational therapy, vocational training and special education services. Look for a continuum of care from the time of your admission past the time of discharge. Anyone who is disabled will face a long period of adjustment and will need services that are not anticipated. The Pavilion’s social services directory will coordinate home health, therapy, meals and other necessary services for people to return to their home as soon as possible.
Your Rehab to Home Experts, Private Rehab Suites FREE Phone and Cable! Rehab and Skilled Care
Free Wi-Fi
For a Private Tour and Additional Information Visit or Call Jenny Huelskamp at
937-492-9591 www.pavilion-sidney.com 2376446
705 Fulton Street, Sidney, OH
I75 NEWSPAPER GROUP • CONSUMER HOW TO GUIDE
5
March 2013
How to assess your home-care needs There are a number of options available for finding help at home. The best way to start is to assess the needs of the person you are caring for. In order to help you evaluate what type and how much help you need, consider the following areas of care: • Personal Care: bathing, eating, dressing, toileting • Household Care: cooking, cleaning, laundry, shopping • Health Care: medication management, physician’s appointments, physical therapy appointments • Emotional Care: companionship, meaningful activities, conversation
ACTIVITIES OF DAILY LIVING While considering all of the options, it is also important to evaluate the val- (ADLS) Bathing ues and preferences of the person reDressing ceiving care. Your loved one may be Grooming more comfortable with a caregiver who Toileting shares their cultural background Eating a nutritious diet and/or language. Also determine if Getting out of bed they have a preference between male Getting out of chair or female caregivers, particularly if Walking personal care will be provided. INSTRUMENTAL ACTIVITIES The following Needs Assessment OF DAILY LIVING (IADLS) Checklist from Family Care America Using the telephone will provide an easy way to evaluate Shopping for personal items the care status of your loved ones. Transportation Rate the following with these numeriManaging money cal values: Doing laundry 1. Accomplishes along Doing light housework 2. Needs Some Help Preparing meals 3. Needs Much Help
I N - H O M E C A R E S E RV I C E S Comfort Keepers® provides compassionate inhome care that helps seniors live happy, fulfilling lives in the comfort of their own homes. Our wide range of services promote independence and wellbeing. Call us today to learn more about our services and our in-home safety solutions.
Troy: 937-335-6564 Piqua: 937-773-3333 Sidney: 937-497-1111
SERVICES IN-HOME COMPANIONSHIP • Companionship • Meal Preparation • Light Housekeeping • Incidental Transportation • Medication Reminders • Grooming and Dressing Guidance • Laundry
PERSONAL CARE SERVICES • Bathing • Transferring and Positioning • Incontinence Care and Toileting • Oral Hygiene
HOME SAFETY SOLUTIONS
In-Home Care that is Beyond Compare
• Personal Emergency Response Systems • Medication Solutions
An international network of independently owned and operated offices. | © 2011 CK Franchising, Inc.
W W W. C O M F O R T K E E P E R S M I A M I V A L L E Y. C O M 2376684
6
March 2013
CONSUMER HOW TO GUIDE • I75 NEWSPAPER GROUP
How to make “your best move ever” Just figuring out where to start is often the biggest hurdle. Begin by creating a diagram of the floor plan of your new place. Do it to scale on graph paper and remember to include details such as windows and doors. Make extra copies to practice with. Next, take an inventory of the furniture and bigger items in your current home that you want to take with you. Measure each piece and use card stock paper to recreate each piece to scale. Then you’ll be able to move your “furniture” around on the graph paper. This will help you determine what will fit in to your new home. If you are moving to a retirement community ask if they have someone who will assist you with this process. They often do. “We find that helping future residents determine which pieces of furniture to move with them and which to leave behind, is often all they need to help them get started with the planning process,” explains Lu Ann Presser, Marketing Director. Once you’ve determined what goes and what stays, its time to start lining up supplies. You’ll need sturdy boxes, trash bags, packing tape, rolls of paper towels, or newspaper to wrap breakables in,
and different colored plastic storage tubs. Also, pick up a set of 5x8 index cards on a spiral ring from an office supply store when you stop in for packing tape. Don’t forget to pick up a couple of permanent markers too. After you’ve lined up your supplies, you are ready to begin sorting and packing. The best starting points are storage areas like basements and garages, and rooms you don’t use very often like extra bedrooms. Have different colored storage available to throw things in according to destination. Consider one tub for things to go to children, one for charity, and another for garage sale items and so on. Have lots of trash bags available too. As you pack each box, write the number of the box and the room it will go to on the outside. On your index cards, list the box number and the items you are packing in that box. That way when you are all moved in and need your coffee grinder or your extra shower curtain, you can quickly flip through the index cards to determine which box they are in. Start by sorting the larger items in each room, working your way down to the smaller ones. Since
you’ll no doubt be sorting items you’ve had around for many years, there will no doubt be emotional times for you. As you work your way in to packing in the more trafficked areas of your home, remember that these will probably be items you use more often. Mark boxes you’ll need to open first with “Priority” on the outside. Also consider putting together two special boxes (or suitcases) to make your move easier. These will stay with you as you travel in your car to your new home. First, put together a “Keep with You” box. This will contain medications, financial statements, insurance policies and other important documents. The second box is the “Quick Fix Box.” This will be all of the items you’ll need first after you arrive at your new home. You’ll want to include a clock, a coffee pot (including filters, coffee, creamer), plastic silverware, paper plates, bottle opener, can opener, extension cords, light bulbs, and basic tools. Hopefully, these basic tips for systematically downsizing will help you have a smoother, less stressful move to your new home.
You put your heart into everything you do. So do we. Security, Freedom Caring, Choices
At Dorothy Love Retirement Community we value you and the things you value...
At Dorothy Love you’ll have the security and comfort of a spacious house or apartment. Plus you’ll experience the peace of mind, knowing that should you need them, Assisted Living and Health Care are available. We invite you to visit us and discover why Dorothy Love is called the “Heart of Retirement Living”. 3003 West Cisco Road, Sidney, OH 45365 www.dorothylove.com
Call Lu Ann Presser at (937) 497-6542 2376444
I75 NEWSPAPER GROUP • CONSUMER HOW TO GUIDE
March 2013
7
How to choose an adult day care center An Adult Day Care Center provides structured programming that includes health, social and supportive services in a safe setting daily. Suggestions to help guide you in choosing the right setting for you: Needs identification: What services are important? Does the center provide: A safe, secure environment? What types of social activities are provided? Is there assistance provided for activities of daily living such as eating, walking, bathing, grooming, taking medicines? Is therapy provided, physical, occupational or speech therapy? Are nursing services available, can the staff assist with monitoring health needs including blood pressure checks, monitoring blood sugar levels, weight, or monitoring food and liquid intakes?
Are nutritious meals / snack provided and can special dietary needs be accommodated? What type of exercise program is offered, what types of programs are offered for mental stimulation? As a loved one or caregiver do you need: Coverage during hours you are working? Free time to shop, clean or just rest? Is transportation to and from the center provided? Locate an Adult Day Care Center Contact your local Area Agency on Aging at 1-800-258-7277 Make an appointment to visit the center to ask questions. How long has the center been in operation? What are the hours? What is the daily cost? Is transportation provided and what is the cost?
Is there any financial assistance available? What is the staff to client ratio? What services are offered? Activities? Meals? Can you drop in any time you want to check on your loved one? The next step is to try it out: Ask about whether a free trial day is offered, even if none is offered, try it for a few days. It takes time for anyone to adjust to a new setting and to get comfortable in a new routine. Then take time to take care of yourself, knowing you can contact the center to check in at any time. In Shelby County the Adult Day Services of Shelby County is open Monday through Friday and offers a variety of activities, the staff can answer the questions you may have to help you determine if this is the right setting for you or your loved one. To learn more call Robin Burleson, Interim Director at 492-6900.
Adult Daycare Services
Fair Haven
of Shelby County
Shelby County Home
We offer...
www.fairhavenservices.com
Because we
Specializing in
Rehabilitation... to help your loved one return home!
Care about Seniors!!!
• Transportation • Meals • Activities • Full & Part Time • Passport Accepted • Private Pay Programs
We want your loved one to feel at home at our house. While providing nursing care, we also want to provide the attention and love that they deserve. We strive to make this "like home" as much as possible for them.
“Proud to be part of this community” For admission information please contact Robin
Burleson, LSW
(937) 492-6900
2376653
Voted #1 Nursing Home in Shelby County!
8
March 2013
CONSUMER HOW TO GUIDE • I75 NEWSPAPER GROUP
How to enjoy visits with your senior family member Anyone who frequently visits a senior adult who is unable to get out and about will admit that sometimes the visits can get a bit too routine. The time spent during these visits can be one of the positives that adds quality to the life of the older adult you love. The following suggestions are designed to help create more meaningful time together; I Continue to share family news, and if it is realistic, involve your loved one in family decision making. I Go for a ride and enlarge your loved one’s world. I If your loved one lives in the long term care setting, participate in some of the planned activities. Most activity departments are very happy to share their monthly calendar of events. I Bring your own activity. You might want to
take a walk, play cards, listen to a ballgame, watch a favorite TV show together, have a picnic on the patio, or bring a family pet for a visit. I Celebrate a special event. A party is always fun, especially when your loved one is the guest of honor. I Come for lunch or dinner. Plan your visit around a meal and socialize at that time. I Bring family pictures and ask your loved one to identify some of the people in them. Bring them up to date by sharing pictures of newer family members. Share vacation pictures too. I Reminisce. Ask about life in the “old days” and learn something about your roots. Obtain a “Grandparents Book” and record answers for generations to come. I Share your talents. Are you learning something new? Practice your Spanish, your musi-
cal instrument, or share your craft during your visit. I Touch! We all need physical contact with other human beings. During your visit hold your loved one’s hand and give hugs! I Be positive. Make your visit a happy event with positive words and actions. I Bring a special treat or favorite food as long as that particular treat is appropriate for your loved one to eat. I If your loved one is confused or forgetful, it may be necessary to identify yourself by mentioning your name or your relationship to the person you are visiting. Your visit doesn’t need to be long in duration. Your visit does need to be positive, loving, and most important, it needs to happen. Promise yourself to visit the senior adult(s) in your life soon. It will make your day special too!!
Peace of mind starts at Garbry Ridge At Garbry Ridge Assisted Living, we provide peace of mind for our residents and their families. • Beautiful, comfortable amenities • Healthy, delicious meals prepared to spark the appetite • Reassurance of care providers 24 hours/day, 7 days/week • Safety through the personal emergency call system
2375547
• Socialization and life enhancement opportunities • Transportation available • For more information or a tour of our facility call Debbie Adkins at 778-9385
I75 NEWSPAPER GROUP • CONSUMER HOW TO GUIDE
March 2013
9
How to purchase and finance a home – step by step The first and most important step in the home purchase process should be to determine if you have the credit ability to finance a home. A prospective buyer should call a local bank that specializes in home loans such as Western Ohio Mortgage Corporation for a pre-qualification. Pre-qualification will allow the buyer to know the loan amount they can borrow, the best loan type for their situation and give them a price range to search for homes. Often times, buyers are disappointed by falling in love with a home that they later find out they can not afford. Once a prequalification letter is obtained a buyer is free to contact a local Realtor to discuss homes they may be interested in and schedule a showing of homes you like the most. Most Realtors
will not show a home to a buyer without mortgage pre-qualification, so starting at the bank is the most important step. After the buyer has found a home they love in a price range they can afford, the offer process begins with their Realtor. The Realtor presents the offer to the selling party and they can counter, accept or reject. If an agreement is reached between the parties, the home is “in contract.” This is the point where the buyer will meet with their Licensed Loan Officer at Western Ohio Mortgage Corp to go over formal loan application, income documents, bank statements, employment and credit report information. Throughout the loan process many things will take place - Home Inspections (whole house, termite, gas line, etc); Appraisal; Water Test; and Income, Credit
and Rent/Mortgage Verification. The Loan Processor will handle all verifications and the Loan Underwriter will make the decision if you are creditworthy and approve or deny your application. After the credit has been approved by the Underwriter, a closing date will be scheduled. At closing the buyer will sign all legal paperwork to become the new owner of the home and the seller will sign to release their liability to the property. After the papers are signed, the keys are put in the buyer's hand and they are now Homeowners! If you have more specific questions about how YOU can be a new homeowner – Please call us today at Western Ohio Mortgage Corp. 937 497 9662.
s t r e p x e n a o l e m o h l a c o l Call your Teresa Rose
Rehab Loans Available
President
Get the money to make repairs and purchase the property with ONE loan. We’ve closed 1000’s of mortgage loans and have the expertise to close yours! HUD underwriters/VA approved
NMLS #286923
Voted #1 Mortgage Co.
733 Fair Rd., Sidney, OH 45365
937-497-9662 800-736-8485 Fax 937-497-9020
Adam Rose Loan Officer
*restrictions apply
www.westernohiomortgage.com
NMLS #807301
E-mail: trose@westernohiomortgage.com
2377012
MB801814 NMLS#9601
10
March 2013
CONSUMER HOW TO GUIDE • I75 NEWSPAPER GROUP
JobSourceOhio.com
JobSourceOhio.com Can Help You With All Your Entrepreneural Needs!
Where Ohio Goes to Work
I75 NEWSPAPER GROUP • CONSUMER HOW TO GUIDE
March 2013
11
How to get to know your collision repair shop You would never go to a doctor before checking their credentials and references, so why wouldn’t you do the same when taking your car in for collision repair? Sidney Body CARSTAR Auto Body Repair Experts offers the following tips for getting to know a collision shop before turning over your car to them. “It’s all about doing your research, making sure they are well-trained, certified and financially solid, and confirming all of the details of the repair process in writing,” said Tom Martin, Owner, of Sidney Body CARSTAR. “Just doing some homework in advance can save a lot of headaches and money in the long run.” When you choose a body shop for repairs, remember: I Do your homework and check out the shop, their reputation, the business or trade associations they belong to and if their technicians are I-CAR Trained. I All reputable repair facilities will offer a warranty of some sort for the work that they complete…make sure it is in writing and well explained to you. I If the repair work is being done in a shop that the insurance company recommended, they will have leverage to assist you should there be an issue in the
process or after the repair is complete. I Only trust your vehicle to an established body shop business. Beware of fly-by-night operators trying to make a quick buck off of weather events like hail storms or tornadoes. If they are set up in a tent or temporary location, don’t trust them with your vehicle. I Visit the body shop and survey the location. If the lobby, customer areas and repair bays are clean and well-organized, it’s more likely the business is run well. Talk with the body shop staff to determine if they will treat you with respect and honesty. Once your car arrives at the body shop for repairs, there are some things you should keep in mind to ensure you receive a quality repair: I Review the estimate in detail, but remember that it is for the visible damage and what it will take to repair the vehicle to pre-accident condition. If the estimate does not cover the full extent of damage, a Supplement will be created, submitted to your or the other person’s insurance company for approval. I Get an exact timeline of when the work will be done and when the job will be completed. I Detail the payment terms and methods, including
downpayment, final payment and costs for any followup work. I Ask the store manager for regular updates on the job, and require approval for any work done outside the original estimate. I Don’t be pressured to accept the completed repair if you don’t think it’s right. Contact your insurance agent for guidance. While your car is in the body shop, it’s a good time to have other dents and dings repaired. It should be more cost-effective and your car will ultimately benefit. “Taking your car to a body shop doesn’t have to be an intimidating or frightening process,” Martin added. “A good collision center is your partner in repairing your car and returning you to the road safely. You want to make sure you do your research to find a partner that truly fits your repair needs.” CARSTAR Collision Service offers high-quality, reliable repair service in 28 states and 10 Canadian provinces. Just call 1-800-CARSTAR when you need a vehicle repair and they will send the tow truck, contact your insurance company, arrange for a rental car and repair your car. For information and store locations visit www.CARSTAR.com.
CARE # COMMITMENT # SERVICE
RELAX,
we’ll take it from here! “We offer the finest in collision repair and Customer Service, and we have a genuine interest in you and your vehicle!” Tom Martin, Owner
SIDNEY BODY CARSTAR
®
www.sidneybodycarstar.com
175 S. Stolle Avenue, Sidney • (937) 492-4783
2376539
Auto BodyCollision Repair Service Experts Quality
SC
Collectibles
Gold Has Skyrocketed To Over $1,600/oz. Now Is The Time To Sell!
We Buy Old Coins Our way of doing business is an honest price up front. Call for up to minute quotes. 1964 & Earlier Silver Dimes, Quarters or Halves *Prices subject to change* *Highest Prices Paid* (Buying Silver Dollars, Gold Coins and Jewelry, Proof & Mint Sets as well as other US Coins & Collections) Over 39 years coin buying experience. We have always used honesty, integrity & reliability in our dealings with our customers. Formerly Shelby County Collectibles in Downtown Sidney. (Fred & Rose Billing,Owners)
10k, 14k, 16k, 18k, 24k
Stop by for a quote!
Miami Valley Centre Mall MON-SAT 10-9, SUN 12-6
937-773-0950•937-726-3488
2171056
Buying All Types of Old Jewelry