How to guide

How to...

Guide 2014 The right Assisted Living Community

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14 T ERE SAPg. I SB E LL, D. D. S .

Pg. 6 Sedation, Migraine, TMD and Family Dentistry

Dental Implants

530-888-1167 www.AuburnDentist.com 291 Grass Valley Hwy, Ste. B, Auburn Financial advisor

Auto Body

No Charge Consultation

Pg. 36

Play an Instrument

How To Guide 2014 - Publication of the Auburn Journal - 1

How to...

The right Assisted Living Community

A

ssisted Living is often a great choice for our older the day versus at night. What time are the doors locked? generation looking for more activity and socialization Do all visitors sign in? Look for grab bars, emergency call in their lives, while offering assistance with daily buttons & other safety features. activities such as housekeeping, laundry Location: Is the location convenient & meal preparation. Assisted Living can for family members to visit? Also, ask also provide non-medical care such as if there are any restrictions on visiting medication management and assistance hours. with dressing, bathing, ambulating Rates: In addition to the monthly rate, and incontinence care. Some Assisted are there any community or move-in Living Communities also provide special fees? Be sure you understand what the Dementia Care as well as partner with monthly rate includes. Ask about any Hospice Agencies. Looking for the right additional charges. What would cause Assisted Living can be a daunting task. the rate to increase and what is the Be careful not to be sold solely on the highest it could go? attractiveness of a community, and Dementia: What is the community’s don’t wait for a crisis situation to begin philosophy on how those with a dementia looking. Below is a list of some things to diagnosis are cared for?

Are the keep your eyes open for when beginning caregivers specially trained in Memory your search: Care? Are the activities geared toward Cleanliness: Look around. Don’t forget those with memory impairment? Is the the sniff test! area safe and secure?

Friendliness: Observe staff interacting Other Residents: Ask them how they with current residents. Are they listening, like the community. They are your best smiling & making eye contact? source for a recommendation (or not).

Lynette McCallum Activities: Ask to see the activity Overview: Have all your questions Community Relations Director schedule. Are they offering activities been answered satisfactorily? Do you feel Oakwood Village Assisted to match your loved ones interests? welcome and comfortable? Is the staff Observe. Are both the residents & the respectful & sincere? Can you picture Living & Memory Care staff enjoying the activities? yourself or your loved one living at the Meals: Discuss entrée choices and how special diets and/or community and enjoying time with the other residents that requests are accommodated. Review a weekly menu to look you’ve met? Would you/they feel safe, loved and valued in for healthy options. If not offered, ask for a complimentary this new home? Trust your instincts and your heart! meal to taste the food. This is also a great way to get a good feel of the ambiance of the community and to meet some of the current residents. The dining room experience is an important and major part of each resident’s day.

Caregiving: Again, observe the current residents to insure Community Relations Director they are well-groomed and dressed appropriately. Ask Oakwood Village Assisted Living & Memory Care about the staff’s training and qualifications while discussing your or your loved ones specific needs. How do they handle emergencies?

Safety & Security: Ask about staffing procedures during

Lynette McCallum

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We are truly honored to be voted as Auburn’s Best Assisted Living Community.

Thank you for your trust and your support. Through ongoing education and employee excellence we will continue to deliver exceptional care to our residents and their families.

We look forward to continuing to serve the needs of our community.

Together we make a family.

Oakwood Village

Assisted Living & Memory Care A Platinum Living Community

3388 Bell Road • Auburn (530) 889-8122 www.OakwoodSeniorLiving.com Lic.#317000237

How To Guide 2014 - Publication of the Auburn Journal - 3

How to...

Choose an Architect

A

rchitects combine science, technology and art to create buildings that are not only beautiful, but practical.

Choosing a poor architect can lead to buildings that may be beautiful but nonfunctional or those that are structurally sound but not so attractive. Buildings that are nonfunctional are not only useless, but can be a danger.

Selecting an architect is a big factor in determining the stability and success of your building project.

HAVE A PLAN Before you can share your idea with an architect, you should have a general idea about the end result. Instead of trying to picture a “final building”, it is much easier to make a list of items you want – or don’t want – in the building. This is called programming and will give both of you immediate reference points in conversation with the architect.

Some architects specialize in certain styles and types of buildings. You don’t want an architect who specializes in doctor’s offices, for instance, if you are looking to build an addition to your home.

When developing your program, be sure to consider the location of the structure, the budget, time and space requirements as well as the use and style of the building. Any architect you hire will need this information for their planning and design management.

OPTIONS Keep your options open. Create a list of several candidates that you glean from referrals, advertisements and research.

Referrals are an excellent way to shorten your list of candidates as you will have honest opinions of their work beforehand.

If you want to conduct research online, go to websites such as www.aia.org and www.servicemagic.com. Both sites match architects and clients based on various factors, including budget and location. The most important consideration is you feel comfortable in communicating and working with the architect. Remember, it is your building the two of you are developing, not an monument to the architect.

USE YOUR SHORT LIST Once you’ve narrowed your list to a handful of candidates, contact their firms and provide a project description. Find out if the firm is available for your project and ask for any literature or brochures that list past projects and experience.

After you’ve reviewed their literature, further narrow your list to two or three candidates and set up interviews.

INTERVIEWS 4 - How To Guide 2014 - Publication of the Auburn Journal

Don’t skip the face-to-face interview. Plan to spend at least an hour with each prospective architect.

Be sure to ask the questions concerning their design philosophy, approach to building and how they will delegate the work. Your potential architects should leave the interview with a clear idea of your budget and expectations.

PAYMENT METHODS While architects have many payment options — hourly rates, flat amounts or fixed fees — the most common method is a percentage of building costs. These percentages will vary depending on the size of the project.

An architect who is working for a percentage gets paid more for expensive projects, even though it is a lesser percentage than a smaller project. Come to an agreement on how cost overruns and project delays will be handled. It is your responsibility, as well as that of the architect, to contain the costs of the project.

FINAL DECISION A good architect may take notes during the interview and will ask questions of his own. Your participation in the project will be welcomed and the architect will show genuine concern for the quality of the project.

When making your final decision, choose the architect who you were most comfortable with. A great architect will be easy to work with and will show the appropriate amount of respect for the client, the project and the budget.

Lichau & Associates Architects, Inc. AN ARCHITECTURAL & PLANNING GROUP Lichau & Associates has over 35 years of working with all aspects of architectural design and construction. Our standard for quality is evidenced by our reputation within the industry and the reviewing agencies. We are experienced in designing high-tech plants, schools, offices, jails, courts, office buildings, commercial centers of all sizes, material recovery facilities, governmental facilities of various uses, solid waste disposal facilities, and over 500 individual homes. We approach large and small projects with the same determination and attention to detail.

RONALD E. LICHAU AIA 100 El Dorado St. Auburn, CA 95603 530 . 885 . 7178 FAX 530 . 885 . 9505 Email: ron@lichau.com How To Guide 2014 - Publication of the Auburn Journal - 5

How to...

Choose an Auto Body Shop

O

ur cars, trucks, SUV’s and minivans get us to work on time, back and forth to school and transport our families to and from their destinations. So it is a necessity to have a trustworthy mode of transportation.

But at some point you are likely to find yourself in an accident.

It is vital to choose an auto body shop that you can depend on.

The shop you choose should be able to complete all manner of work, from a minor touch-up to a full-body repair.

Even the smallest accident can throw your entire car, and schedule, into disarray. You’ll need an auto body shop that you can consult when you have an accident to ensure your car is repaired quickly, affordably and correctly the first time.

Remember, you have the right to choose the shop you have repair your vehicle. It’s the law. In California, you are not required to use the body shop your insurance recommends.

Talk to your friends and family that live near you or you work with and ask which auto body shops they prefer. Look for such responses as: “They fix my car right the first time.” “I can trust them to do the job at a fair price.” “They welcome my questions and concerns and take the time to answer them.”

“There are never any surprises when I come to pick up the car.”

“They explain in plain English what the problem is and what my options are … patiently.” Good “word of mouth” like this is a great qualifier. Once you have a list of names, consult the Internet for more information and customer reviews.

Internet testimonials, both positive and negative, should be taken with a grain of salt. No business has a 100 percent satisfaction rate, no matter what they say. Someone will always be displeased. Also, keep in mind that people are more apt to leave a negative review than a positive one.

If you can’t get any good recommendations from friends or family, perform an Internet Search or consult the Yellow Pages.

After you have created a short list of auto body shops, make some phone calls. Describe to the person who answers the phone your exact problem and pay attention to the type of response you get.

If the person seems both knowledgeable and helpful, keep that shop on your short list. If the person seems rushed or uninterested, it can mean that the shop is too busy right now or just simply has poor customer service. In either case, you can eliminate that shop from your list.

Once you have chosen a shop, check for plainly displayed

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prices, certifications and guarantees. Be aware that you most often get what you pay for when it comes to auto body work.

Low prices may be tempting, but they may also mean subpar work, used parts and paint that is not applied properly. Ask the owner or manager to explain why the estimate is higher or lower than others you received. After listening to response determine if you feel comfortable with explanation? If you feel you can trust the shop, you are at the right place.

Ask the shop manager or owner for references before you have them work on your car. They should be more than happy to provide names of customers with whom you can speak.

Also be sure to look at their work. If you notice a car with paint drips, panels that don’t line up or paints that don’t match, look elsewhere. You will not be saving money in the long run if you have to have the work redone.

Make sure that the shop will inspect your vehicle for repairs that are not visible. Choosing a shop that can complete the entire job will save you from having to take your car to several places for a complete repair.

Picking a great auto body shop is the first step in getting your car back on the road. Once you have made your selection, you should be comfortable with every aspect of the shop: customer service, price and quality of work.

AUTO BODY

High-Quality Repairs and Finishes Were you recently involved in a car accident that caused extensive auto body damage? Are you looking to improve the look of your older car? Consider Placer Auto Body for your auto body repair needs. We offer complete solutions for high-quality repairs and finishes. We use the latest technology to deliver beautiful results. Whether you need some minor work or a new coat of paint, call us to get a free estimate.

Family owned since 1977, our shop has been a repair company who cares about our customers. We are now owned by a small, local family. We strive to keep our prices affordable while still giving quality results. Our team works together to offer comprehensive auto body services:

• Collision

Call Now for a Free Quote

•

We can offer quotes over the phone and you can bring your car into our shop for a full inspection. Is your car unsafe to drive? No problem! We work closely with a local towing vendor. Most insurance plans pay for towing expenses after a collision. If your insurance plan does not cover it, we will work directly with you to finalize the cost and try to make the towing service as cost-effective as possible.

We proudly offer a lifetime limited warranty on all our work. We’ve been in business since 1977 and are very confident in our repair abilities. Call for more detailed information regarding this warranty.

repairs • Restoration • Body refinishing Alignment • Window replacement • And more!

We Work with Insurance Companies Did you know you could qualify for insurance reimbursement after your car is damaged from a collision, by vandalism, or even hit while parked on the street or in a parking lot? Placer Auto Body will work directly with your insurance carrier to get you maximum benefits. With a little bit of information from you about your insurance, we can communicate with the provider and find out if you qualify for this benefit.

847 Nevada Street • AUBURN • 530.823.6100 • placerautobody.com How To Guide 2014 - Publication of the Auburn Journal - 7

How to...

Choose Dental Implants

Why Choose Dental Implants? ental implants have been used successfully for smile restoration for 50 years. This is the most conservative and longest-lasting treatment for replacing a missing tooth. Implants are also useful for supporting dentures and bridges to correct more extensive tooth loss.

Dental implants are replacements for missing or severely damaged teeth. This treatment option delivers an unprecedented level of patient satisfaction.

Tooth implants provide a natural-looking appearance and longimplant-supported lasting function.

They TMD andThese Sedation, Migraine, Family Dentistry dentures tend to be more stable, are the gold standard for smile comfortable, and less bulky than those held in place with makeovers and dental restoration. adhesive.

530-888-1167 No Charge Replacing a missing tooth with an implant helps prevent Ifwww.AuburnDentist.com you have lost one or more teeth teeth from shifting out of alignment over time. to fractures, gum disease or tooth other Consultation 291 Grass Valley Hwy, Ste. B, Auburn decay, this procedure could finally Keeping teeth straight and even promotes better oral Teresa Isbell D.D.S. give you back your beautiful smile. care. It makes brushing and flossing easier, which reduces Sedation, Migraine, Implants can be used to fully the risk of cavities and gum disease.

TMD and Family Since the prosthetic tooth is restore teeth that are too badly Dentistry load-bearing (you can bite and damaged or decayed.

A dental implant restores normal chewing and biting chew with it), an implant may ability. Most patients can resume a normal, healthy diet also help limit further jaw bone that includes a wide variety of foods after treatment is loss in the treated area.

Long term success rates complete.

Tooth implants offer a conservative solution compared to with implants range from 90a traditional bridge. Only the tooth that is being replaced 95%. Some patients enjoy their dental implants for life with no is affected.

The teeth on either side of the missing tooth are not need for replacement or repair.

D Comfortable

Beautiful

table

T ERESA I SB ELL, D.D.S.

Implant Retained Dentures

Schedule your complimentary consultation with us today!

T ERESA I SBELL, D.D.S. Sedation, Migraine, TMD and Family Dentistry 530-888-1167 | www.AuburnDentist.com 291 Grass Valley Hwy, Ste. B, Auburn

ground down and restored.

Patients can opt to have one or several teeth replaced with implants. Dental implants can also support dentures.

8 - How To Guide 2014 - Publication of the Auburn Journal

T ERESA I SBELL , D.D.S. Sedation, Migraine, TMD and Family Dentistry

Implant Retained Dentures Schedule your complimentary consultation with us today!

Comfortable

Bea B ea u t iiff ul ul

Stable

T ERESA I SBELL , D.D.S.

291 Grass Valley Hwy, Ste. B, Auburn www.AuburnDentist.com

530-888-1167 How To Guide 2014 - Publication of the Auburn Journal - 9

How to...

Choose a Specialty Auto Repair Shop

W

e understand the frustration that comes from looking for the right automotive repair shop...

It’s time to get your vehicle serviced. You look through the phone book or search the Internet and find so many choices. In life, choices are good, but often confusing. You call all the listed automotive shops and get so many different opinions, prices and ideas that your mind starts wondering. Who is right? Who is the best-qualified person to work on your vehicle? What kind of parts do they use?

What about a warranty? Will it keep your vehicle under the manufacturer’s warranty? There are so many more questions, but Jimmy Mullenix, CEO/ President of The Master Technicians, Inc. and Stacy Graham, our service manager, can help. They understand the frustration that comes from looking for the right automotive repair shop. Jimmy opened The Master Technicians in 1993 after working for Toyota dealerships for more than 23 years. He saw a need for customers wanting an independent Jimmy Mullenix and Stacy Graham Business Woman of the Year specialty repair automotive shop. When opening, he knew that he was only going to specialize in makes of vehicle has all the proper equipment, special tools Toyota, Honda, Acura and Lexus vehicles. For the past 21 years, those are the only vehicles Master Technicians and factory-trained technicians to do the work right, the first time. They have access to the manufacturer’s specifications has worked on. and newest data. They have the special manuals. And since Jimmy and Stacy say: First things first, talk to your family and friends. Talk to the they only work on a few makes of vehicles, they probably people who drive the same model vehicle you have. They are know the strange sounds you may hear or the intermittent your most reliable source in recommending a repair shop. Then problem you may be experiencing. So the best choice may be an independent specialized automotive repair shop. consider the following questions: Also, we have been told many times, that you have to return • Are the technicians ASE certified? to the dealer to keep the manufacturer’s warranty up to date.

• What is the warranty?

You can choose to take your vehicle to any licensed repair • Do they give written estimates? facility that you are comfortable with. You do not have to • How long have they been in business? return to the dealer for your maintenance items.

• Are the technicians factory trained?

With the tools we have given you, you should feel more • Will the work done maintain my manufacturer’s warranty? confident about who you choose and trust to service your • Do they use OEM parts? vehicle.

You may ask, “What is the difference between someone who states they specialize on certain makes, but works on everything, and someone who specializes on certain makes CEO and only works on those?” An automotive repair shop like Service Manager/Managing Partner Master Technicians that specializes and only works on certain 10 - How To Guide 2014 - Publication of the Auburn Journal

Jimmy Mullenix Stacy Graham

BEST INDEPENDENT AUTO REPAIR & BEST AUTO MECHANIC

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Trusting us to treat you right for over 21 years

TOYOTAS & HONDAS

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f nicians, Inc. Staf The Master Tech ir pa Re e iv ot m t Auto Best Independen

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THE MASTER TECHNICIANS, INC. Is Proud to Announce: 100% of Our Technicians are

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What is ASE Certified?

The Boards of Automotive Service Excellence require a minimum of 5 years experience working in a professional establishment, and be able to pass a written test involving repair and diagnostics to be Certified as an ASE Technician. To become a MASTER TECHNICIAN, you must be able to pass 10 (ten) written tests of over 80 questions each on the ten aspects of repair and diagnosis on all facets of the vehicle.

How often do they have to take the tests?

All ASE Technicians have to re-test every 5 years in all the areas to become recertified with the ASE program.

The Boards of Automotive Service Excellence have made it possible for the consumer to verify the knowledge and skills of the technician working on their vehicle before they choose a repair facility. In this age of smart phones and smart cars, don’t you want a well trained and skilled technician working on your vehicle?

Stop by and meet our Master Technicians that we are so proud of. Always here to help, Stacy and Jimmy.

Scott Chiaratti Best Auto Mecha nic

43 Years Toyota Experience Toyota Master Technician & ASE Master Technician

LUBE, OIL & FILTER

5

$

RECOMMENDED EVERY 3,000 MILES ✓ Lube chassis where applicable ✓ Up to 5 qts Premium Castrol GTX Oil ✓ Oil Filter ✓ Replace drain plug gasket ✓ Inspect and fill all fluids ✓ 58 pt. safety inspection ✓ Check belts & hoses

OFF

Hazardous waste removal included. Toyotas/Hondas only. Excludes motorhomes. May not be combined with other discounts. Not redeem-able for cash.

Must be presented at time of service. Expires 10-31-14.

Since We Have Been Voted Best of the Best 9 Times, We Are Offering

9

% OFF ANY LABOR*

Must be presented at time of service. Hazardous waste removal included. Toyotas and Hondas only. May not be combined with any other discounts. Excludes Motor Homes. Not redeemable for cash. Offer expires 10-31-14.

VALUABLE COUPON

VALUABLE COUPON

MAJOR SERVICE SPECIAL

50 95 $ 59

$

OFF

Any 30k, 60k, 90k Toyotas & Hondas scheduled maintenance Call For service by trained Estimate & certified technicians.

Must be presented at time of service. Hazardous waste removal included. Toyotas and Hondas only. May not be combined with any other discounts.

Excludes Motor Homes. Not redeemable for cash. Offer expires 10-31-14.

(Synthetic engine oil slightly higher)

*Excluding Oil Change & Tire Rotation

TIRE ROTATION & FOUR WHEEL BRAKE INSPECTION

FREE ROTATION W/OIL CHANGE

✓ Rotate Tires (4) ✓ Measure rotors or drums front

and rear for wear ✓ Adjust rear brakes (if applicable)

✓ Inspect front and rear brake pads or shoes

✓ Inspect hydraulic system components for leaks

Most cars & light trucks. Toyotas and Hondas only. May not be combined with other discounts. Excludes Motor Homes.

Not redeemable for cash. Must be presented at time of service. Offer expires 10-31-14.

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✓ Lube door hinges and strikers ✓ Inspect and adjust drive belts ✓ Service battery ✓ Inspect & clean air filter ✓ Rotate tires ✓ Inspect all brakes ✓ Inspect tires/adjust pressure ✓ Drain/refill engine coolant ✓ Road test vehicle ✓ Replace engine oil (5 quarts) ✓ Replace engine oil filter ✓ Replace drain plug gasket ✓ Adjust engine timing ✓ Adjust engine idle ✓ Adjust brakes ✓ Adjust clutch ✓ Lubricate chassis ✓ Check and fill all under hood fluids and under car fluids & 58 pt. inspection

Toyotas/Hondas only. Excludes motorhomes. Must be presented at time of service. May not be combined with other discounts. Expires 10-31-14.

Mention this ad and with your next Major Service or Timing Belt, and you will receive Free Windshield Wipers and a Deluxe Car Wash at Cruisers. Expires 10-31-14

“Your Preventive Maintenance Experts”

889-9682 or 889-YOTA

Mon.-Fri. 7:30 am-5:00 pm • Early Bird Service • Senior Citizen Discount 12209 Locksley Lane #15 • Auburn • www.mastertechnicians.net How To Guide 2014 - Publication of the Auburn Journal - 11

How to...

Choose a Flooring Dealer H aving been in the flooring business for over 40 years, I believe the process of choosing a quality flooring dealer is more challenging than ever before. The offers are more and more confusing, and many stores seem lost in a sea of misleading ads and promises.

As a consumer, I like to work with people who want to assist me in understanding all the most important parts of my project.

Truthfulness and transparency are high on my priority list.

Every flooring environment will have different requirements to create the most functional and beautiful living space possible.

So, a quality flooring store should have a large selection of the major brands and colors needed to address all segments of the market they serve. That store should have large samples which you can checkout to take home to evaluate in the lighting of your home to be sure you are happy with the color and texture interaction with your decor.

The sales people who assist you should have a clear working knowledge of the products they carry. The warranties offered for every product should be clear and easy to understand. Quality sales people will ask you about your living situation and make recommendations which invest your flooring dollar in products that will perform predictably and well for your particular lifestyle requirements. They will help you invest around a budget you can afford and offer clear financing options with a quality lender, if you needed that option..

To use an example, if you were an active family with young children and pets living in the country, you will want a flooring which has excellent stain resistance and long term wear ability.

Installing a walnut hardwood floor may be beautiful but would be a nightmare to maintain with kids spilling liquid, pets peeing and dirt being tracked in from outside.

Once you have made an informed decision about what flooring you desire to have in your home, you would want an expert estimator to come to your home who understands all the known and, possibly, unknown parts of your job. At our store we always say that there is a right amount of material for every job. Accuracy in the amount of material ordered for your job is vital to the success of the work to be performed.

Every job should be fully diagramed to provide the installation crews the most accurate jobsite detail possible. This process avoids unpleasant surprises at the job site which may add 12 - How To Guide 2014 - Publication of the Auburn Journal

time and money and stress to a project. Just like a doctor who has performed hundreds of successful surgeries, a quality estimator who has many years of field experience can help you avoid costly mistakes. You will want to know the experience level of the person coming to estimate your job.

Some stores will attempt to separate the installation billing part of the job from the material portion. This process reduces their exposure to customer service issues while increasing the pressure on the consumer to directly hold the installers accountable for their work. If the flooring store provides a full package of product, estimating and warrantied installation, that usually gives the customer the best value for their dollar.

So, for example, if one purchases material from one store, and is handed a list of installers to contact to pay directly for the labor part of the job, then, if that crew leaves town two years later, their warranty goes with them. However, if the store is billing for the entire job, they will be responsible for customer service follow up regardless of which crew they sent to do the work.

Finally, it is vitally important to understand if the flooring store you are considering actually measures the quality of their work. You can ask for referrals, customer survey results, and their Better Business Bureau ratings to verify the quality of a firm’s record.

If one selects a local store with a local owner who has an alliance with a nationwide corporation, one can get the best of both worlds. Either way, it is always important to understand if a store actually has procedures in place to follow through on post purchase service requests.

Do not be bashful is asking the store to explain who will be following up on a service request. You can get telephone numbers for service departments and give them a call. Do you end up talking to a computer with menu options, or do you speak with a person who can easily find your paperwork and understand the nature of your concerns.

At the end of the day, when you have invested your money and your flooring is installed, you should be delighted with the enhanced beauty and functionality your new floors bring to your living space. Friends who have just had their floors replaced are often ones in a position to recommend a quality store for you.

Beautiful Made Affordable at

OR Auburn CARPET ONE F& LO HOME

o 50% Save Up T tyles n Select S O

ving* rniture mo fu s e d lu c in for details. *see store

10068 STREETER ROAD • UNIT 15 • AUBURN, CA 95602

(530) 278-5351 | www.auburncarpetoneauburn.com

MONDAY – FRIDAY: 9:00 AM - 5:00 PM | SATURDAY: 10:00 AM - 4:00 PM *Subject to credit approval. See store for details. At participating stores only. Not all products at all locations.

How To Guide 2014 - Publication of the Auburn Journal - 13

How to...

Choose a Financial Advisor Y Reaching Retirement: Now What?

ou’ve worked hard your whole life anticipating the day you could finally retire. But with it comes the realization that you’ll need to carefully manage your assets so that your retirement savings will last.

Review your portfolio regularly While generally it makes sense for your portfolio to become progressively more conservative as you grow older, it may be wise to consider maintaining at least a portion of your portfolio in growth investments.

Spend wisely Don’t assume that you’ll be able to live on the earnings generated by your investment portfolio and retirement accounts for the rest of your life. But you’ll want to be careful not to spend too much too soon. This can be a great temptation, particularly early in retirement.

Remember that if you whittle away your principal too quickly, you may not be able to earn enough on the remaining principal to carry you through the later years.

Understand your retirement plan distribution options Most pension plans pay benefits in the form of an annuity. If you’re married you generally must choose between a higher retirement benefit paid over your lifetime, or a smaller benefit that continues to your spouse after your death. A financial professional can help you with this difficult, but important, decision.

Consider whether it makes sense to roll your employer retirement account into a traditional IRA. IRAs usually offer greater withdrawal flexibility than employer plans. A rollover to an IRA also allows you to consolidate your retirement assets.

Plan for required distributions Keep in mind that you must generally begin taking minimum distributions from employer retirement plans and traditional IRAs when you reach age 70, whether you need them or not. Plan to spend these dollars first in retirement.

At normal retirement age (which varies from 66 to 67, depending on the year you were born), you can receive your full Social Security retirement benefit. You can elect to receive your Social Security retirement benefit as early as age 62, but if you begin receiving your benefit before your normal retirement age, your benefit will be reduced. Conversely, if you delay retirement, you can increase your Social Security retirement benefit.

Consider phasing For many workers, the sudden change from employee to retiree can be a difficult one. Some employers, especially those in the public sector, have begun offering “phased retirement” plans to address this problem. Phased retirement generally allows you to continue working on a part-time basis--you benefit by having a smoother transition from full-time employment to retirement, and your employer benefits by retaining the services of a talented employee. Some phased retirement plans even allow you to access all or part of your pension benefit while you work part time.

If you do continue to work, make sure you understand the

14 - How To Guide 2014 - Publication of the Auburn Journal

Photo Courtesy of The Sierra Foothills Group, Thrivent Financial consequences. Some pension plans base your retirement benefit on your final average pay. If you work part time, your pension benefit may be reduced because your pay has gone down.

Remember, too, that income from a job may affect the amount of Social Security retirement benefit you receive if you are under normal retirement age. But once you reach normal retirement age, you can earn as much as you want without affecting your Social Security retirement benefit.

Facing a shortfall What if you’re nearing retirement and you determine that your retirement income may not be adequate to meet your retirement expenses? Here are some suggested ways to stretch your retirement dollars: • Refinance your home mortgage if interest rates have dropped since you obtained your loan.

• Access the equity in your home. Use the proceeds from a second mortgage or home equity line of credit to pay off higherinterest-rate debts, or consider a reverse mortgage.

• Transfer credit card balances from higher-interest cards to a low- or no-interest card, and then cancel the old accounts.

• Reduce discretionary expenses such as lunches and dinners out.

By planning carefully, investing wisely, and spending thoughtfully, you can increase the likelihood that your retirement will be a financially secure one.

How To Guide 2014 - Publication of the Auburn Journal - 15

Considering Your Options:

Independent Retirement Living vs. Assisted Living Pioneered by Holiday Retirement in 1971, independent retirement living communities are designed for seniors who are capable of living on their own and can benefit from a maintenance-free, relaxing yet active lifestyle.

Unlike assisted living facilities or nursing homes, independent senior living communities do not provide around-the-clock assistance with daily activities like eating, bathing, and dressing. (Though, residents who choose to live at independent retirement communities who may need additional assistance are welcome to acquire third-party home health care services.)* For instance, our community offers the following convenient services to our residents: On-site Meal Service – Seniors who live alone may not prepare regular, healthy meals. Here, an executive chef provides three nutritious meals from scratch daily.

Transportation – Leaving the driving to someone else saves money on gas, vehicle maintenance, and insurance costs.

With scheduled shuttle service, residents who are unable to drive, or simply wish not to, no longer have to rely on loved ones or use busy public transportation.

Social Opportunities – Multiple studies confirm that social interaction can have a significantly positive impact on a senior’s well-being. Our community offers a viable solution with enriching activities, social programs, and volunteer opportunities.

Security – To ensure peace-of-mind for residents, we employ two sets of live-in managers who are available to respond 24/7 in case of emergency.

Call 877-661-0621 today to schedule your personal visit and a complimentary meal!

No Maintenance – Independent senior living communities help seniors enjoy a maintenance-free lifestyle. Residents no longer have to mow the lawn or deal with timely and expensive home repairs. In addition to transportation, we provide housekeeping and linen services as well.

Finally, instead of juggling multiple bills, nearly all services, amenities, and utilities are covered in one convenient monthly rent. There are no buy-in fees and no hidden costs.

With communities like ours, independent retirement living is a lifestyle that many seniors and their families are gladly choosing. These communities not only keep seniors from losing their freedom, they help them take some of it back.

The Oaks of Auburn

Independent Retirement Living 3250 Blue Oaks Drive, Auburn, CA 95602 877-661-0621 | theoaksofauburn.com

*Holiday Retirement is not affiliated with any health care provider. Residents are welcome to obtain services from any provider of their choice.

16 - How To Guide 2014 - Publication of the Auburn Journal

©2014 HARVEST MANAGEMENT SUB LLC 22410

Considering Your Options:

Independent Retirement Living vs.

Assisted Living Take advantage of our low rates on spacious and comfortable apartment suites at The Oaks of Auburn. As a resident, you’ll also enjoy a host of convenient amenities, including:

Pioneered by Holiday Retirement in 1971, independent retirement living communities are designed for seniors who are capable of living on their own and can benefit from a maintenance-free, relaxing yet active lifestyle.

Unlike assisted living facilities or nursing homes, independent senior living communities do not provide around-the-clock assistance with daily activities like eating, bathing, and dressing. (Though, residents who choose to live at independent retirement communities who may need additional assistance are welcome to acquire third-party home health care services.)* For instance, our community offers the following convenient services to our residents: On-site Meal Service - Seniors who live alone may not prepare regular, healthy meals. Here, an executive chef provides three nutritious meals from scratch daily.

Transportation - Leaving the driving to someone else saves money on gas, vehicle maintenance, and insurance costs. With scheduled shuttle service, residents who are unable to drive, or simply wish not to, no longer have to rely on loved ones or use busy public transportation.

Social Opportunities - Multiple studies confirm that social interaction can have a significantly positive impact on a senior’s well-being. Our community offers a viable solution with

enriching activities, social programs, and volunteer opportunities.

Security - To ensure peace-of-mind for residents, we employ two sets of live-in managers who are available to respond 24/7 in case of emergency.

No Maintenance - Independent senior living communities help seniors enjoy a maintenance-free lifestyle.

Residents no longer have to mow the lawn or deal with timely and expensive home repairs. In addition to transportation, we provide housekeeping and linen services as well.

Finally, instead of juggling multiple bills, nearly all services, amenities, and utilities are covered in one convenient monthly rent. There are no buy-in fees and no hidden costs.

• Three meals a day prepared from scratch by an executive chef • A full calendar of engaging activities and social events • Dedicated live-in managers available 24 hours a day • Regular housekeeping and linen service • Scheduled shuttle transportation • An exclusive travel program with access to over 300 select locations across the United States and Canada • Pets warmly welcomed • And so much more!

Call 877-661-0621 today to schedule your personal visit and a complimentary meal!

The Oaks of Auburn

Independent Retirement Living 3250 Blue Oaks Drive, Auburn, CA 95602 877-661-0621 ❙ theoaksofauburn.com

With communities like ours, independent retirement living is a lifestyle that many seniors and their families are gladly choosing. These communities not only keep seniors from losing their freedom, they help them take some of it back.

*Holiday Retirement is not affiliated with any health care provider. Residents are welcome to obtain services from any provider of their choice.

*Limited time offer. Subject to availability. Please see management for details.

©2014 HARVEST MANAGEMENT SUB LLC 22410 How To Guide 2014 - Publication of the Auburn Journal - 17

How to...

I

Select the best Hospital

t is a good idea to select a hospital before you need one. When illness strikes or you suffer an unexpected injury, it is important to choose the hospital best suited to your specific needs. By checking in advance the services and facilities of the hospitals near you, you will be better able to make an informed decision if the time arrives.

While it is certainly true that most hospitals follow similar practices and procedures in the care of patients, there are facilities that are better able to handle your situation than some of their counterparts.

When it comes time to pick a hospital for treatment, it is necessary to weigh the pros and cons of each one.

As you attempt to determine the best hospital for your needs, physical location is sure to play a large role in your choice. It is easy to see why this is the case, as you will be more inclined to select a facility that is convenient to your home or workplace.

For some, there really is only one adequate hospital in their area, and choosing a different, more distant location would require additional travel time and effort that may simply be unnecessary.

While it is common for people to choose hospitals that are physically close to home so that friends and family can easily visit, other factors may point to a different decision. If there are alternative facilities that are farther away but offer more specialized service, it may be wise to keep them in mind as you deliberate.

Another common factor influencing hospital choice is whether your chosen physician has privileges at a particular facility. Doctors frequently send patients to certain hospitals simply because they are familiar with the site, have admitting privileges and are able to efficiently function there.

Typically, insurance carriers pay the cost of services from a preferred provider, including hospitals. However, your out-ofpocket costs will be higher if you select a hospital that is outside of your insurer’s preferred provider network.

The high price of surgical procedures and necessary nursing services can lead to a very substantial final bill. Therefore, whether or not your insurance will cover most of the expense will likely play a significant role in which hospital you choose.

If your choice of hospital is not based on location or insurance coverage, consider other features a hospital may have to offer.

Many hospitals offer accreditation with the Joint Commission, an organization that implements specific standards of care within medical facilities.

If the Joint Commission accredits a hospital, you can feel confident that the facility maintains high levels of quality in areas ranging from nursing care practice to storage and organization.

Hospitals that are accredited by the Joint Commission are subject to frequent performance evaluations, and applicable standards are continuously reviewed for possible improvement.

Consider hospitals that have won awards or have received certification in areas of quality and consistency of care. The Magnet 18 - How To Guide 2014 - Publication of the Auburn Journal

Sierra Nevada Hospital program offers recognition for excellence in nursing care and other aspects of hospital work. Such distinctions are a great thing to look for when searching for the best hospital for your needs.

Not all hospitals are Magnet certified. The award is given to select few facilities across the country. If you have an option of choosing a hospital that has Magnet recognition, you can have confidence that it will provide you with truly excellent care.

Depending on what procedure you need to have performed, choosing a hospital that specializes in particular areas of surgery or medical care may be necessary.

Many hospitals care for every type of patient that comes through its doors but also have several areas in which they specialize. For example, two hospitals in the same city may offer care, but one specializes in gastroenterology, while another has an advanced cardiac unit.

The hospitals may even transfer patients between locations to ensure the highest level of care. Depending on the needs of the patient, and the particular illness or injury involved, the hospital with a relevant specialty unit may be the obvious choice.

Choosing a high quality hospital is essential in order to achieve the best outcome during instances of illness or injury. Hospitals offer a wide range of care and service types, and it is important to analyze a series of considerations before you decide.

Determining which types of care and treatment are offered at different facilities, and carefully balancing your personal priorities are the best ways to make a wise choice when selecting the hospital that is best for you.

How To Guide 2014 - Publication of the Auburn Journal - 19

How to...

The right Health Club T here are many different reasons for joining a Health Club.

For many people those reasons include losing weight, relieving stress, restoring energy and vitality, and preventing illness. Making the decision to join is the critical first step in the process of achieving your goals, but choosing the right one is equally as important. Taking on a healthier lifestyle means you have to make some important changes in your mindset, your lifestyle choices, and your day-to-day activities. To succeed you will need guidance, support, and encouragement. Choose the health club where you can find all three.

The right health club has a staff of fitness professionals to serve you and the equipment and programs to support your mission.

Some of the most important factors to consider when selecting a Health Club are: Atmosphere (will your visits relieve stress or add more?)

Cleanliness (is the club diligent about keeping things clean and sanitary?)

Equipment (is it effective, efficient, and well maintained?)

Classes & programs (is there a wide variety of offerings?)

Staff (is the staff friendly, helpful, supportive and professionally certified?)

Value (will you be “renting a treadmill”, or connecting into something that will bring meaningful change to your life?)

With these things clear in your mind, go to www.healthclubs.com

20 - How To Guide 2014 - Publication of the Auburn Journal

to see what quality clubs are in your area. Next, visit their websites to get an idea of what they have to offer. Then call to set up a time to get a tour of the facility; always pick the time for a tour that you would normally use the club to see what it will be like when you’re there. During the tour you can evaluate the atmosphere, cleanliness, equipment, classes and programs, the staff, and the value of their membership. If it feels right, then join and be on the road to better health!

®

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• Basketball & Racquetball ® • Wallyball • • Free Group Exercise Classes: Step, Yoga, Pilates, Group Cycle, Aqua Aerobics, Tai Chi, Kickboxing & more • Senior Programs including Water Aerobics • Kids Indoor Court Soccer

• Complete Cardio & Weight Areas • Top-of-the-Line Equipment • Personal Training • Pilates Reformer Studio • Nutritional Counseling

START TODAY FOR ONLY $20.14 INITIATION FEE!* *Offer valid on 24-month single fitness membership. Other discounted enrollment fee offers available for shorter term memberships.

1255 Racquet Club Drive • Auburn, CA 95603 • 530-885-1602 • www.ar-fc.com How To Guide 2014 - Publication of the Auburn Journal - 21

How to...

Ease Foot Pain

A major cause of foot pain is Plantar Fasciitis.

P

Treatment Prevention

There’s a new doctor in town

and

The key for the proper treatment of plantar fasciitis is determining what is causing the excessive stretching of the plantar fascia.

When the cause is over-pronation (flat feet), an orthotic with rearfoot posting Definition longitudinal Plantar Fasciitis is an and arch support is an inflammation caused by device excessive stretching of the effective reduce the plantar fascia. The plantar to o v e r p r o n a t i on fascia is a broad band of and allow the fibrous tissue which runs along the bottom surface condition to heal. of the foot, attaching at the If you have usually bottom of the heel bone and high arches, which extending to the forefoot. can also lead to fasciitis, When the plantar fascia is plantar cushion the heel, excessively stretched, this can cause plantar fasciitis, which can absorb shock also lead to heel pain, arch pain, and heel spurs. and wear proper Cause Plantar Fasciitis often leads to heel pain, heel spurs, and/or arch footwear that will pain. The excessive stretching of the plantar fascia that leads to accommodate and comfort the foot.

Other common treatments include stretching exercises, plantar the inflammation and discomfort can be caused by the following: fasciitis night splints, wearing shoes that have a cushioned heel • Over-pronation (flat feet) which results in the arch collapsing to absorb shock, and elevating the upon weight bearing heel with the use of a heel cradle • A foot with an unusually high arch or heel cup. Heel cradles and heel • A sudden increase in physical activity provide extra comfort, cushion • Excessive weight on the foot, usually attributed to obesity or is cups Powerstep a unique foot support system that goes the heel, and reduce the amount of pregnancy beyond “foot shock comfort.”

Powerstep orthotics can relieve and shear forces placed during • Improperly fitting footwear pain and eveneveryday prevent itactivities. from developing. Dr. Les Over-pronation (flat feet) is the leading cause of plantar fasciitis.

Appel, a professional podiatrist with foot over 25 yearsthe of time your strikes Over-pronation occurs in the walking process, when aexperience, person’s hasEvery designed the entire line of Powerstep ground, the plantar fascia is stretched. arch collapses upon weight bearing, causing the plantarproducts. fascia toThe Powerstep orthotic line takes foot be stretched away from the heel bone. With Plantar Fasciitis, the You can reduce the strain and stress comfort further than standard insoles you’re used to bottom of your foot usually hurts near the inside of the foot where on the plantar fascia by following these wearing. Powerstep’s unique design provides real the heel and arch meet. The pain is often acute either first thing in simple instructions: Avoid running support and stability allow you toground, do the things on hardto or uneven lose you any the morning or after a long rest, because while resting the plantar excess weight, and wear shoes and love to do, pain-free. fascia contracts back to its original shape. As the day progresses and the plantar fascia continues to be stretched, the pain often orthotics that support your arch to prevent over-stretching of the plantar subsides. fascia. If problem persists, consult Plantar Fasciitis is foot an inflammation caused by excessive your doctor. owerstep is a unique foot support system that goes beyond “foot comfort.” Powerstep orthotics can relieve pain and even prevent it from developing. Dr. Les Appel, a professional podiatrist with over 25 years of experience, has designed the entire line of Powerstep products. The Powerstep orthotic line takes foot comfort further than standard insoles you’re used to wearing. Powerstep’s unique design provides real support and stability to allow you to do the things you love to do, pain-free.

HOW TO EASE

A major cause of foot pain is Plantar Fasciitis.

There’s a new doctor in town

Definition

22 - How To Guide 2014 - Publication of the Auburn Journal

stretching of the plantar fascia. The plantar fascia is a broad band of fibrous tissue which runs along the bottom surface of the foot, attaching at

“Our #1 orthotic for the past 5 years” An ideal orthotic insert for preventing and alleviating pain associated with plantar fasciitis, metatarsal pain, heel or arch pain and discomfort, mild to moderate pronation, sore/aching feet and other common foot conditions.

• Semi-rigid arch support and heel cradle for increased support and stability in your shoes • VCT® Variable Cushining Technology provides targeted and controlled cushioning with a soft, supportive feel • Dual layer cushioning with durable EVA foam base • Heat and friction reducing, anti-microbial top fabric • Full length, total contact support • Moveable from shoe to shoe with no trimming required

HAFLINGER CLOGS GZ or GZL

outdoor series. This is a great help. Doctors recommend these as slippers as well as an outdoor clog. (#1 No - No, going barefoot!)

For men or women.

AETREX CATALINA Sandalistas will sure please women with their soothing memory foam top-cover over the built-in orthotic support.

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MAXIMUM CUSHIONING, FULL SUPPORT

Ideal for preventing and alleviating metatarsal, arch or heel discomfort and sore, aching feet.

RECEPTOR by ECCO YUCATAN Receptor is a division of ECCO

• Maximun cushioning and full support • Shock absorbing gel at heel absorbs impact of each step • Plush VCT® Variable Cushioning Technology • Foam softens and onforms to the foot with extended wear • Contoured shape with arch support and heel cradle • Heat and friction reducing, anti-microbial top fabric • Full length, total contact cushioning • Moveable from shoe to shoe with no trimming required

that was designed by doctors and scientists to support the Plantar Fascia. For men or women.

NAOT PRIMROSE Great arch support in a cushioned cork removable footbed. For women.

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Walking Shoe styles have an Added Depth Forepart for good toe room. Comes in 6 widths & works great with Powerstep. For men or women.

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These should be used in all shoes possible that don’t have the proper support. 30 day money back guarantee.

We’re here solely for your comfort!

825 Lincoln Way, Downtown Auburn • (530) 885-2091

footpathshoes.com

M-F 9-5:30 Sat. 9-5 • Sun. 11-4 You won’t beat our Prices, Selection & Service!

How To Guide 2014 - Publication of the Auburn Journal - 23

How to...

Buy a Mattress S

o you’re tossing and turning, your body aches, and you can’t sleep. It could be time for a new mattress. There is no set guide for deciding when it’s time to buy one. But if yours is saggy, lumpy, more than seven years old, stained, or if you wake feeling tired and achy; it is time to go mattress shopping.The good news is that technology has given you more choices as to the type of mattress you might need.

There are many types of mattresses and levels of firmness to choose from, but no true science to support the idea that one type of mattress is better than another. Everyone sleeps a little differently and has different likes and needs. The best mattress is the one that gives you the best nights sleep and it isn’t necessarily the most expensive one. So, you need to take the time and try the mattresses. If you sleep on your side, you need to try them lying on your side. The way you sleep.

There is no industry standard to define commonly used terms like “firm” or “plush”. So, wear loose clothing and take your time finding the firmness that you prefer.

There are many manufactures and many types of mattresses that offer different support qualities. Tempur-Pedic is the leading manufacturer in Memory Foam mattresses. They conform and support you extremely well. They last a little longer than a conventional mattress and have less “Motion Transfer”. They are however, more expensive than the “conventional” innerspring mattress.

Simmons Beautyrest and Sealy Posturepedic are still leading manufactures with various feels and support stories. There are also more “Eco Friendly” latex mattresses. They also, are long lasting with various firmnesses.

Mattress buying information is sometimes confusing and the manufactures don’t help. They give the same models different names from store to store, making comparison shopping 24 - How To Guide 2014 - Publication of the Auburn Journal

difficult. That is where your local family owned mattress store can help.

They are factory trained professionals that are not on commission. The Sleep shop takes time to “Fit” you in the right mattress. We also use your budget, not ours, to make thechoice.

A mattress is an investment in your health and sleep and The Sleep Shop will always give you the best mattress for your money. We don’t need to guarantee it. It is a fact.

By Coy Miller

The Sleep Shop Auburn and Grass Valley, CA

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530-820-3872

Serving the Foothills for Over 20 Years & Still Going Strong! YOUR LOCALLY OWNED & OPERATED MATTRESS STORE

How To Guide 2014 - Publication of the Auburn Journal - 25

How to...

Get a Ring Sized Properly F ind a jeweler that you trust and that has a laser welder machine.

A laser welder allows you to size your ring without removing the stones.

Shops that use a torch can cause damage to certain stones.

Save time by not removing the stones.

Ring sizing can be done while you wait in most circumstances.

When using the laser welder you get precision welding.

Now with these new technology tools, we can service all your needs in a timely fashion and continue great service to our customers.

Please stop by with any questions and visit our new working lab at Gold Swann Jewelers.

26 - How To Guide 2014 - Publication of the Auburn Journal

G OLDEN S WANN J ewelers SUPER SALE

50% OFF Special JUNE 29TH thru JULY 6TH

SIZING, REPAIRS & NEW CUSTOM JEWELRY

Sizing While You Wait! (in most cases)

we can design and custom make you a one of a kind custom jewelry.

Custom Jewelry Design

Swarovski Crystals

Fine Jewelry & Watches

Open 7 Days a Week

The Golden Swann Jewelers & Collectible Gallery 881 Lincoln Way • Downtown Auburn www.goldenswann.com

530.823.7926

How To Guide 2014 - Publication of the Auburn Journal - 27

How to hear better in noisy places.

New Advancements in Hearing Measurement and Technology Address Hearing Speech in Noise

BY LISA MONARDI AuD, DOCTOR OF AUDIOLOGY Placer Speech and Hearing, Auburn CA

The single most common listening

“clearly understanding speech in the presence of background noise.”1. Here’s the latest on how to help

issue of anyone with hearing loss is

solve the issue.

1. MEASURE IT. Have an Audiologist measure your ability to hear speech in the presence of background noise. A test called a QuickSIN is a quick and accurate measurement tool.

2: GET FIT WITH HEARING DEVICES: New hearing technology fit by a licensed audiologist using best practices can make a difference.

Two features critical for improving speech understanding in noise.

Speech Guard: Preserves auditory cues and your brain’s ability to determine where sound is coming from. Knowing where the speech you want to hear is located helps your brain focus on the sounds you want to hear and ignore those that you don’t.

Automatic Directionality: Directional microphones can improve speech levels relative to noise levels. These hearing devices a measure the speech to noise levels and only employs the use of the directional microphones when the

Step 3: MEASURE IT AGAIN. Now the Audiologist can again measure your ability to hear speech in the presence of background noise with the hearing devices on. Using the same test - The QuickSIN, but this time with the hearing devices on, your scores should improve. If they don’t, then it may be a good idea to adjust the devices or try different devices and then repeat the test again.

Step 4: TRAIN YOUR BRAIN. Several commercially available tools (LACE, Posit Science) have shown promising improvements in speech to noise levels.

Step 5. USE GOOD COMMUNICATION. Let’s face it, it’s harder to hear someone talking in a noisy place than a quiet plae. Try keeping as much of the unwanted noise behind you and always face the person you want to hear. Moving closer together, speaking slowly and clearly enunciating each word can make a difference.

LAST BUT NOT LEAST: TRY A REMOTE MICROPHONE. New small hand held or lapel microphones wirelessly stream the speakers voice directly into your hearing devices. A remote mic gives you the best improvement in speech relative to noise levels.

1. Beck DL, Repovsch JL. Observations on Speech, Speech in Noise, and Embedded Tests. Hearingreview.com August 2013 Questions: Contact Placer Speech and Hearing at 530-823-7532 to schedule a complimentary speech in noise assessment.

28 - How To Guide 2014 - Publication of the Auburn Journal

How To Guide 2014 - Publication of the Auburn Journal - 29

How to...

Choose a Roofer R

eplacing the roof on your home should be left to professionals.

When you hire a professional you are paying for more than just the work. You are paying for their warranty, too, so that if the roof leaks two years later they are still liable and will have to correct the problem.

With that in mind, there are several points you definitely want to check out before selecting a roofer. Remember, you are paying for the warranty, so finding a local roofing contractor who has been in business for a while should be a top priority.

First, how long has the company been in operation? A good roofer should offer a guarantee of anywhere from five to 12 years on their work. If you are dealing with a company that has only been in business for two years, you do not know if that guarantee is worth anything.

You also want to try to find a roofing contractor who is local to your area. This is especially true after high winds have passed through your region and damaged many area roofs.

Contractors from other regions of the country often follow such storm events, scooping up jobs and insurance payments. If their work fails and leaks after a year, it is extremely unlikely that they will return to your area to repair their error.

How do you accomplish this?

First, ask family, friends and neighbors if they have any recommendations. Even if they have not used a roofer recently, they may have other friends who have. Personal recommendations are worth much more than ads in the newspaper or phone book yellow pages.

Personal recommendations often include advice on who not to use, as well as commentary on the quality of the work and the cleanup. For example, if someone puts on a good roof but leaves shingles from the old one lying all over the yard, you may not want to use them.

You should also do an Internet search for roofing contractors in your area. Many Web sites list contractors and allow reviews of their work to be posted.

Finally, look in the local classified and the phone book yellow pages. Those aren’t the best sources, but they will give you some companies to check out.

The next step is to contact the roofers you have identified in order to get estimates and ask questions. At it recommended you compare at least three bids. Getting estimates is obvious, but asking questions is also extremely important. Doing so will let the contractors know that you will not simply let them work and think nothing about it. It will let them know that you are paying attention to the process, right from the start. It can also let them know that you understand some things about roofs. Don’t rush into repairs or be pressured into making immediate decisions.

Good questions to ask are what they will do if they find damaged decking, whether they recommend standard or architectural shingles, what the warranty is on their work, do they provide the warranty in writing, how long would it take to complete the work, 30 - How To Guide 2014 - Publication of the Auburn Journal

Janet Rose and when could they start the job.

Asking about these kinds of issues will demonstrate to the contractor that you know what you are talking about and will prompt them to be more open with you in discussing the job. The topics you discuss will grow as the number of roofers you interview increases, because you will be able to ask following roofers about things the first roofer said.

The answers you receive to these questions will give you a basis to decide whether or not you trust the contractor.

You should also make sure the contractor is licensed and bonded.

Insurance is especially important for roofing contractors. While it is important that they be bonded and able to cover any damages they cause to your property, it is even more important they have coverage for their own workers who may be injured or even fall to their death in the process of repairing your roof.

Finally, be sure to get a written contract with the roofer you choose. Contracts should always be in writing so there are no misunderstandings about what materials are to be used, exactly what the scope of work is, and what the final cost is to be. Always get a lien release for any payments made to the contractor.

Following these simple steps, you should be able to find and reasonably evaluate a roofing contractor to replace your roof. You will get a good product for your money and be confident that you made the right choice.

D E E N

N A

F? O O R EW

FREE ESTIMATES

• Retail Sales • Rooftop Deliveries • New Roofs • Re-Roofs • Repairs • Leaks • Composition, Tile & Metal • Hot Tar • Tile Bone Yard

Roofing & Supply, Inc. Janet Rose, Owner

Residential and Commercial Roofing

530-823-3812

144 Teamtrack Road • Auburn Locally Owned & Operated

roseroofingandsupply.com

Insured Bonded • License #697425

Serving Placer & Nevada Counties Since 1974 How To Guide 2014 - Publication of the Auburn Journal - 31

How to...

A Storage Facility T

here are a number of things to consider when you are looking for a self storage facility Just as no two people are the same, no self storage facilities are created equal. It requires some time and energy to research, but you’ll be glad you did when you know your valuables are safe, secure and protected.

• Find a reputable facility with 24-hour security, such as security cameras, alarm systems, fences, and secured entries. Make sure you have individual door alarms and there is a property manager who lives on site to monitor security.

• Don’t be afraid to ask questions. Ask about their damage policy due to water, rodents, insects and other pests that can cause considerable damage. Ask about what steps are taken to ensure damage control.

• Are the units clean and well lit? Is the unit dry and adequately ventilated? Does the facility provide climate control units to protect your valuable documents, photographs, archives, antiques, furniture, and other possessions that are vulnerable to extreme heat or moisture?

• Do the units offer shelving? Wide or tall doors to accommodate the warehousing of large items? Does the facility offer free use of their truck for moving your belongings?

• Do they have dollies and carts available?

Do they sell locks, boxes, and packing supplies? Can you park next to the doors to unload? Is 18-wheeler access available?

• Is the staff friendly and knowledgeable as they help you choose the right size of unit for your needs? Do you need RV, auto or boat storage?

• Decide what you need to store and ask the manager to help you select the correct Wanda Carter size. Are the storage spaces all on ground level?

• Check around. Call several storage facilities to find the best price for the size of unit you need.

• Ask about their long term lease and monthly discounts. What are their terms on deposits and late fees? Are there fees for moving out of the unit. What are their payment options? Do they take credit cards, offer monthly billing, pay online, auto payments, or drop box payments?

• Most of all, read the contract carefully! Check their website for customer comments and referrals.

• Location is important. Make sure the property has easy access. If you frequently need access to the stored items – such as a business – select a facility close to your residence.

If you are storing items long term, you might not need a storage unit close by.

Wanda Carter, resident manager at Quartz Drive Self Storage, will be happy to answer any questions concerning storage units and will continue to provide a safe and secure environment for your valuable belongings and meet all of your storage needs.

Wanda Carter Resident Manager

32 - How To Guide 2014 - Publication of the Auburn Journal

Climate Controled Storage

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How To Guide 2014 - Publication of the Auburn Journal - 33

How to...

Select the Best Care for your Loved One A ging people are people in transition.

The loss of family members and friends, a change in living arrangements or finances, retirement, the loss of driving privileges, even the death of a pet are lifestyle transitions that require the entire family’s attention. Ideally, our elders will ask for our help during times like these, but, as family members have learned, this may not happen. In fact, one aging parent might “cover” for the other, or one aging spouse may decline assistance from the other because he or she feels ashamed and powerless.

Know What to Look For

Things may seem normal on the outside.

Some changes are barely noticeable.

Once in a while we all forget details or put things off, but when a pattern of neglect develops, it may be serious.

Remember, dementia (mental deterioration) is not a normal part of aging. Sharpen your observational skills, and look for patterns of consistent neglect within the following contexts: Basic tasks – difficulty in walking, dressing, talking, eating, cooking, climbing steps, or managing medications.

Hygiene – infrequent bathing, unusually sloppy appearance, foul body and/or mouth odor.

Responsibilities – mail is unopened, papers are piled up, checkbook is unreadable, bills are unpaid, bank account overdraft notices are accumulating, prescriptions are unfilled, phone calls aren’t returned, cooking pots and pans look burned, refrigerator interior has foul odor, food supply is low, home interior and/or exterior is unkempt, laundry is piling up, automobile has new dents.

Health – weight loss, changes in appetite, problems swallowing, fatigue, burns, black and blue marks (possible signs of falling), hearing loss (look for signs of lip reading and talking loudly), seems withdrawn without reason, incontinence (bet-wetting), spilling and dropping things (check carpet for stains), complaints of muscle weakness, insomnia or excessive sleeping, dehydration.

Isolation – lack of interest in outside friendships, activities, or hobbies, keeps curtains drawn day and night, has little access to transportation, lives in another city or state and lives alone.

Attitude – sadness, display of verbal or physical abuse, talk of being depressed and feelings of despair, abuse of alcohol or drugs, paranoia, refusal to communicate, unusual argumentativeness, a recent emotional or medical crisis.

Cognitive functions – consistent forgetfulness about where things are, getting lost while walking or driving, confusion, loss of reasoning skills, difficulty answering questions, inability to find the right word, use of repetitive words or phrases, severe personality changes, wandering, inability to recall names of familiar people or objects, inability to complete a sentence, forgetting how to use simple, 34 - How To Guide 2014 - Publication of the Auburn Journal

ordinary things such as a pencil, forgetting to close windows, turn off the stove, and lock doors, loss of sense of time.

If some of these warning signs are present, and you are beginning to question your client’s ability to make choices and decisions, do not scare yourself and other family members into thinking that these are the early stages of dementia. Overreacting and jumping to conclusions create communication friction and unfounded anxiety.

Open Up a Dialogue with Elderly Family Members

Based upon your observations, if you have concluded that elder care issued demand immediate attention, it’s time to take the next step and talk about it.

But “let the caregiver beware”. You are about to enter a potential minefield. Without knowing the most effective ways to initiate these very sensitive conversations with your elderly family members, the probability of them telling you to mind your own business, or telling you everything is fine when it is not, is almost guaranteed.

Many older people are incapable of running their own lives and homes, but often are reluctant to admit they need help. Failing eyesight, memory lapses, confusion, fatigue, sadness, drug and other substance abuses and appetite changes can account for a diminished ability to manage a home. There are definite signs that indicate some kind of assistance may be necessary.

If you need help with initiating this conversation with a loved one that you are worried about, call Help at Home Senior Care. We will be happy to help you evaluate the situation, walk you through the process of seeking help, and consider the options available to you and your loved one.

Help at Home Senior Care

Toll Free 1-877-404-6636 “Determining when it is the right time for a senior to move out of their home or to bring in outside help can be difficult. All of us want to remain in our own homes as long as possible. Most of us are fiercely independent! However, when someone’s safety is in jeopardy or if they are no longer driving, it may be time to consider moving them to an alternate situation. Some other areas to look at are: Does your loved one have mobility issues that make it difficult to get around?

Are they still able to cook and prepare nutritious meals for themselves? Can they still operate a stove or oven?

How do they do with their medication? Do they take it; do you need to remind them?

How is their hearing and vision? Can they use a telephone?”

Call today for a no-cost, in-home assessment.

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How To Guide 2014 - Publication of the Auburn Journal - 35

How to...

Learn to Play an Instrument

Y

es, ANYONE can learn to play an instrument.

The problem is that as adults most people never give themselves the chance to succeed.

They tell themselves that they just can’t do it, or they say it hurts their fingers, or that they just don’t have the time.

The truth of the matter is that most people miss the whole point of playing an instrument. It’s all about the joy you can experience from playing music. If you always associate joy with playing your instrument then the reasons why you can’t play can all fall away.

For example, if you don’t have a lot time to practice, look at what little time you have as something fun rather than as some kind of drudgery. Think of that time as getting the practice rather than having to practice. If for some reason the practice isn’t going well, put the instrument down and do something else.

Again, only associate playing your instrument with the joy of doing it, so if it just doesn’t feel right that’s OK for the time being, the next practice session will be better.

One of the major obstacles to the joy of learning and

playing is that as adults we tend to attach negative value judgement to our inability to do seemingly simple things such as putting our fingers where they’re supposed to go on our instrument. If you’ve ever watched a kid practice a skateboard trick, you’ve noticed that he keeps doing it until he gets it right. He doesn’t place a value judgement on his failure, he simple enjoys the process of learning.

There’s that JOY again.

You have to understand that it does take some time to work out the various trials and tribulations of learning to play, but it will be time well spent if you enjoy the process Don’t get mad at yourself and simply keep doing it until you get it right.

One more thought about learning to play, if you’re really serious about playing, don’t sell yourself short on the quality of your instrument. A decent instrument will help you learn, it will be easier to play and it will just sound better. The better it sounds to you, the more you’ll want to play it. The more you play it, the better you’ll get at playing and the better you’ll sound. It’s a positive reinforcement cycle that really does work.

36 - How To Guide 2014 - Publication of the Auburn Journal

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How To Guide 2014 - Publication of the Auburn Journal - 37

How to...

Choose a shading solution

D

Customer Satisfaction

urasol is America’s bestselling brand of custom-made, professionally installed shading systems – and has been that way for over 20 years. Much of their growth and success has come from customer referrals. Durasol customers that have been satisfied with the quality of their product and the service that comes with it, constantly recommend Durasol to their friend and neighbors.

Professional installation As a Durasol dealer, our factory-trained technician will ensure your awning is installed safely and securely. WE have been specially trained to install your Durasol awning on virtually any surface: on a wall, under a soffit, or on a roof mount using their custom engineered brackets. With Durasol, you get years of experience, a trustworthy name, a high-quality product and expert local representation.

Strength and Warranty of the product

Durasol awning strength is second to none. Because they build them strong and tough, their structural framework carries up to a 12-year warranty on SunShelter awnings. Quality control at Durasol is second to none; they make sure your shading system is fully tested before it ships, providing you longlasting performance. They are TUV and CE certified, offer motors with a lifetime warranty, and all their motors and electronics are UL listed, giving an added level of safety for you and your family.

The most choices and options

As your local Durasol shading expert, we can offer you many features and options that are available for your awning. From fabrics and colors to remote controls, you can select from a wide variety of options to create your perfect shading system Long Lasting Fabrics

Durasol uses commercial grade textiles, made with 100% solution-dyed acrylic fabric and sewn with durable, long-lasting Gortex ® thread. The colors stay bright,

Photo Courtesy of Durasol Awnings resisting the elements and moisture, and offer up to a 7 year warranty. Durasol awnings won’t harden, crack, or peel.

Durasol is America’s leading manufacturer of custom-built, professionally-installed shading systems. Over 20 years experience coupled with the most technically-advanced

38 - How To Guide 2014 - Publication of the Auburn Journal

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STOVES, FI R E PLACES, AWN I NGS, S PAS, PATIO & I NTE R IOR FU R N ITU R E How To Guide 2014 - Publication of the Auburn Journal - 39

How to...

The right Assisted Living Community Choose an Architect Choose an Auto Body Shop Choose Dental Implants Choose a Specialty Auto Repair Shop Choose a Flooring Dealer Choose a Financial Advisor Assisted Living Select the best Hospital The right Health Club Ease Foot Pain Buy a Mattress Get a Ring Sized Properly Hear better in noisy places Choose a Roofer A Storage Facility Select the Best Care for your Loved One Learn to Play an Instrument Choose a shading solution 40 - How To Guide 2014 - Publication of the Auburn Journal

Pg2 Pg4 Pg.6 Pg.8 Pg.10 Pg.12 Pg.14 Pg.16 Pg.18 Pg.20 Pg.22 Pg.24 Pg.26 Pg.28 Pg.30 Pg.32 Pg.34 Pg.36 Pg.38