How To Guide, Spring 2018

How to

GUIDE

2018 SPRING EDITION A Special Supplement to

The Atascadero News and Paso Robles Press

HOW TO

Gold Buyers

How to Choose a Gold Buyer

M

any people use precious metals to shelter their money — in both good economic times and bad.

This is a great time to invest in gold. In the past few years, interest in gold has increased sharply.

More Americans are rummaging through their homes looking for broken gold jewelry. Selling gold necklaces, rings and other items has become a common way to get quick cash.

But selling gold jewelry comes with a huge risk: potential dealings with unscrupulous experts who lack experience in determining the proper value of these items. Many pieces of jewelry might be worth more than their gold content or melt value.

Anyone can make a mistake, but fly-by-night operators will often offer far less than the melt value of the gold in these items. They are counting on your lack of knowledge.

Infomercials have also flooded the airwaves with ploys offering “immediate cash for your unwanted gold.”

But mailing gold in flimsy prepaid envelopes to these dealers is the same as dropping cash into the mail.

2 | HOW TO GUIDE

Always exercise caution when selling gold. While many buyers are honest and reputable, finding them requires research.

Here are some tips to help you get the most money from selling your unwanted gold.

First, do some research to determine the gold content of an item. Remember that gold is soft, so it must be alloyed with other metals to increase its hardness and durability.

Jewelry usually has an inscription identifying the purity of its gold content. For instance, 24-karat gold contains 99.9 percent gold. It is measured in terms of a troy ounce, equal to about 1.097 avoirdupois ounces, the kind of ounce we use in measuring butter, flour and body weight. One troy ounce of 14-karat gold contains 14/24th troy ounce of the pure metal.

Next, take your gold items to reputable jewelers in your area for their opinion. A jeweler may charge a small fee for this service. It is the best way to establish the gold content when the piece lacks markings. Take it to more than one jeweler to verify the findings.

The Better Business Bureau and

the Internet are valuable sources of information about gold buyers.

Poor dealers usually leave a pile of complaints from disgruntled sellers whom they’ve allegedly cheated. Do not deal with these companies.

Also, if a gold buyer operates from their home or business unrelated to precious metals, be careful. They probably don’t have enough experience to provide an accurate evaluation of your items.

It pays to use a local business. If you must mail your gold items, insure the package and use registered mail available at the United States Postal Service. You could use a shipper that offers package tracking and delivery verification. Do not trust someone you don’t know and have never met.

Learn as much as you can before visiting a gold dealer. Information is your ally. There are reputable gold buyers doing business today, and they will pay you for the true value of your piece. Doing the proper research and taking precautions will help you find the best people doing business today.

Atascadero

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(805) 461-3302

5550 El Camino Real, Atascadero, CA 93422 www.AtascaderoJewelryLoan.com A Publication of The Atascadero News & Paso Robles Press |

3

HOW TO

Memory Care

How to Choose a Memory Care Center

A

s the Baby Boomer generation ages, cases of Alzheimer’s and dementia are skyrocketing throughout the U.S. Millions of Americans are affected by these terrifying memory-robbing ailments every year. But the rise in prevalence of these diseases has also spurred an increase in alternative and traditional treatment options.

If you or a loved one are suffering from Alzheimer’s or dementia, a memory care center is one such option that could prove a major help.

Here’s what you need to know when picking a memory care facility.

Staff

The experience and attitude of the staff members is one of the most important considerations. They should treat all patients with kindness and respect.

The center should also provide continuing education to employees to assure that everyone is up to date with the latest in memory loss research and care.

Always visit a memory care center before admitting a loved one. Tour the facilities to make sure the building is clean and organized. The atmosphere

4 | HOW TO GUIDE

should be calm and relaxing.

Consistency and stability are important to those suffering from memory loss. The center should have a low turnover rate among staff members. No memory care center should rely heavily on part-time workers.

Ask about the ratio of staff to residents, as well as the backgrounds of any medical practitioners employed by the center. Your loved one needs personalized care and attention. It is vital that the center has enough workers on staff to provide quality care for your loved one.

idents. What kind of security features do they use?

Note your general impressions of each center you visit.

Support

Quality memory care centers have support services for residents and families.

Symptoms from dementia can range from mild to extreme. The center should be equipped to handle all stages of dementia.

The best centers have support groups for residents and family members.

Secure, Comfortable You and your loved one should be comfortable with the memory care Setting Quality memory care centers center you choose. The best faciliwill resemble comfortable, inviting ties can give patients a much needed homes. They should not look like boost and improve their overall quality of life. hospitals.

The facility should be clean and sanitary without appearing sterile. A center’s cleanliness is an indication of the dedication and price of everyone who works there.

Ask questions about the activities offered to residents, how visits are handled and the types of therapies available.

Because patients can sometimes forget where they are, it is important to ask how the center protects its res-

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3/28/18 A Publication of The Atascadero News & Paso Robles Press |

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HOW TO

Assisted Living Centers

How to Choose an Assisted Living Center

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ssisted living centers help patients continue to live an active lifestyle in comfortable, cost-effective settings that offer many conveniences and amenities.

People often need extra care as they age. Some, particularly those confronting severe health challenges, need regular care that is significantly beyond the scope of what family members or close friends are able to provide. Some just need to be in an environment where someone is on hand to check on them throughout the day.

Bottom line: all assisted care centers are not the same.

Some assisted care centers double as full-time medical facilities and assisted living centers are popular options for people who need medical attention.

In the past, long-term care could only be handled by a nursing home.

Living in a hospital setting for an extended time was not a pleasant environment.

When looking for an assisted care center, consider some of these factors.

cility that has park-like areas. Some centers have community-style gardens and walkways for residents.

Just being able to see nature as it grows and changes with the seasons can be uplifting and soothing. An assisted living center with a manicured lawn and garden can make a huge difference in the quality of life for a loved one.

HOME AMENITIES Accommodations at these centers can range from luxurious, detached cottages to cozy condominiums. It all depends on what you are looking for, what you can afford, and what is available.

As you visit the facilities, try to personalize each space. Imagine how your loved one’s belongings might fit into the area and where decorations will be placed. Does the atmosphere bring about a feeling of peace and tranquility? How are the rooms decorated? Are they tasteful and soothing, or do they remind you of a hospital setting?

Look at the home amenities and consider how you would feel about GARDEN AND LANDSCAPING living there. Would you want your It’s a little known fact that the loved one living there? Is the facility landscaping of an assisted living cen- within your budget. ter will give you a good indication about the quality of the facility. Proper maintenance of the lawn and gar- RECREATION FACILITIES dens is a good sign.

Game and meeting areas can help If the prospective resident enjoys the resident make new friends and spending time in nature, look for a fa- keep them from feeling alone and

6 | HOW TO GUIDE

lonely. Leaving the confines of their units is an important part of recovery.

Make sure the center offers activities and space to occupy your loved one’s time.

Quality facilities will have activities that match his or her hobbies. If your family member enjoys crafts, then look for a center with a designated craft area or classes for your loved one to enjoy.

PERSONAL CARE Ask your loved one’s personal physician how much care is required to function safely. The doctor may even be able to guide you toward an appropriate facility. Be sure to seek advice on what qualifications and certifications you need to look for in the center’s staff. The center’s employees should be well-qualified to handle medical needs.

If you monitor the medical care, you can avoid paying for extensive services that your loved one may not need. Understanding the care the person requires will help you find a center that is a good fit.

Choosing an assisted living facility is about finding the right combination of medical services and amenities. With research and thought, you will find the perfect place to bring comfort and care to your loved one.

Annette Lodge Paso Roble’s newest assisted care facility is located downtown across the street from the transportation center, with public buses and the train making stops daily.

Within walking distance there is a library, theater, restaurants, art galleries and wine tasting.

Rooms at Annette Lodge look out at landscaped courtyards and lanais, and the furnishings are in keeping with the historic theme of the facility. The colors in this facility reflect the surrounding landscape.

Families of residents at Annette Lodge will be able to participate in facility activities as well as enjoy the beautiful downtown amenities of Paso Robles.

Residents can tour the weekly farmers market, at the downtown park, and assist with fruit and vegetable choices in season.

725 Pine Street, Paso Robles Downtown | 805.226.9500

Lic. 405801955

A Publication of The Atascadero News & Paso Robles Press |

7

HOW TO

Private Schools

How to Choose a Private School

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rivate schools can provide an excellent education alternative to public institutions. Class size and individualization of instruction is far improved when classes are 15 students or less.

But added cost, as well as a different atmosphere for students, are things that parents may wish to carefully consider before settling on a school.

If you’re looking at private schools for your children, here’s a little food for thought.

The Values

Shared values can be a powerful thing. So your first step may be to look for a private school that values the same things you do.

Many parents prefer that their children receive instruction supported by their family’s specific values at school, as well as in the home. One of the reasons to send your children to private school is to reinforce those values — both from the educators and faculty members who teach them, and from the other students who attend school with your child.

It will probably be important to know whether the school is associated with a certain religion or denomination, of course, but also look in depth at how much religious teaching is done at the school. Some private schools include religious classes and worship services as part of the curriculum; others are less formal about their religious affiliation, focusing on providing a very high-quality secular education and less on a specific church or belief. Some private schools aren’t affiliated with a religion at all.

Remember that values cannot be judged by written statements alone. Look at the way the school’s employees and students live their lives — including the school’s reputation in the community — to make your decision.

8 | HOW TO GUIDE

The Staff

There is a lot of variation among private schools when it comes to their faculty and staff. Some have credential requirements that go above and beyond what public schools require; others have looser requirements for education and training.

If it’s important to you, you should ask about the teaching staff’s credentials. Know where they went to college and what degrees they hold, along with whether they have any certificates and ongoing training on the courses they teach.

Again, the school’s reputation will tell you a lot — perhaps even more than paper credentials ever will — so ask around to see what people in your community think of the school’s teachers and administrators.

The Students

Before you pick a private school, you should plan on making at least one in-person visit for a day. Sit in on a few classes and watch how the students behave and how the school’s staff deals with any discipline problems.

Parents of current or former students should be able to give you the inside scoop about any concerns that exist among the student population, so ask around. No school has perfect students, obviously, but some do a better job dealing with problems than others.

Whether the school uses a strict disciplinarian approach or a more laid-back style, you should be confident that your child will be in a safe, comfortable learning environment at all times. Watching how the students interact during and after school can give you some insights about it.

The Opportunities

If you’re thinking about sending your child to a private school, chances are it’s ultimately to give them more opportunities in life.

The specific school you pick can have big implications on which opportunities will open up to your child later in life, from college entrance to extracurricular activities such as music and sports.

Ask if the school has any data about the percentage of its students that are accepted into college. Some private schools have a long track record of preparing students for prestigious universities later in life.

You should also pay close attention to both the extracurricular activities that are available now and the ones that will be available in the future. Additionally, co-curricular activities such as field trips and project-based learning bring learning to life and motivates students.

Your third-grade child may not think much about athletics right now, for example, but a soccer, football or basketball team could become very important to them as they get older. A private school that offers a lot of well-run extracurricular activities will open up more options for your child in the middle-school and high-school years.

By looking closely at the values, staff, students and opportunities that are offered, the choice for your child’s education should become clear.

NORTH COUNTY CHRISTIAN SCHOOL

NCCS is the only private school in North County featuring Preschool through 12th grade CHRISTIAN education!

North County Christian School offers an excellent college-prep education in safe and small classes that provide individualized instruction. It equips and strengthens students by introducing them to the great thoughts, works, and dilemmas of Western civilization.

Through this exceptional education the students will understand their place within the scope of Western civilization and Christian history, and their direction in light of that understanding. This prepares students for tomorrow.

Even more importantly, NCCS educates its students for a caring and productive life including Christian service and leadership. All students’ instruction is immersed in the understanding of the Bible and its truths. These are intertwined across the curriculum.

6225 Atascadero Mall, Atascadero • 805-466-4457 • info@nccsonline.org A Publication of The Atascadero News & Paso Robles Press |

9

HOW TO

Cremation Services

How to Choose Cremation Services

C

remation can be an emotional subject. In fact, some faiths frown on it. But for those who have no qualms about cremation, it presents a great opportunity to plan in advance.

Making plans for your funeral is a tough subject. Most people would rather skip the subject or opt to have others plan their funerals. But the reality is procrastination or avoidance does not change reality. It is always best to take care of details in advance.

Making decisions in advance about cremation services can take the burden off loved ones during a painful time. Otherwise, they will need to make tough choices while stressed and grieving.

Cremation services are becoming more popular these days. They can be a cost-effective alternative to traditional burials. With cremation, the family doesn’t have to purchase an expensive casket. Loved ones may spend more money than they can afford in an effort to respect the memory of the de-

10 | HOW TO GUIDE

ceased.

But a cremation service is an affordable way to respectfully memorialize a friend or family member. The service can be a peaceful time to grieve and remember.

A funeral home may have a partnership or connection with a cremation center. They may have additional services, such as grief counseling or assistance with necessary paperwork.

After the cremation, you will receive an urn. You can choose to bury the urn, keep it in your home or place it in a memorial building.

When searching for a cremation center, check with your family or friends for referrals.

If you cannot get an appropriate referral, you might be able to join a cremation society. For a small fee, you will receive upto-date information about your options and the process. Membership may also help you obtain a lower-cost on cremation services. These societies will provide assistance with many details connected to the service and disposition of remains.

The Internet Cremation Society and the Cremation Society of North America are sources of information about cremation societies.

Once you have narrowed your choices, consider how you feel about the staff of the cremation center. You should feel comfortable asking questions. The employees should be knowledgeable, competent and pleasant.

They should give you all of the details about price breakdowns, and their process of making ashes for the urn.

By doing a little research and choosing wisely, you can make the process a little easier for loved ones during a difficult time.

Discuss with your loved ones and family members their preference for when they pass.

Talk with them and explain your own so that there will not be any misunderstandings or second-guessing after the fact.

While it is not the most pleasant topic in the world, it will help ease some of the stress.

Blue Sky

CREMATION SERVICE Family Owned Old fashioned service is defined by old fashioned values like honesty, integrity, dignity, hard work and respect for people.

It’s our privilege to provide you with old fashioned service.

We provide simplicity, dignity and modest pricing in cremation arrangements.

Arrangements may be made in the comfort of your home.

We invite you to call for more information.

Lynn Nash & Tina Doxtater Cremation Specialists

Atascadero Office Phone 461-0835 Establishment FD# 1966

Paso Robles Office Phone 226-9478 Establishment FD# 1768

A Publication of The Atascadero News & Paso Robles Press |

11

HOW TO

Real Estate

How to Choose a Real Estate Agent

T

.he true value of a good Realtor is evident to anyone who’s been through the process of buying or selling a home.

A good Realtor will become a true asset to people who want to get the very best from their transaction. Not only can a Realtor help you find or sell a home, these professionals are also trained to assist you with every step — no matter how tedious.

But, as with any profession, some Realtors are better than others. Be sure you make the right choice when selecting a Realtor. The sale of a home is too momentous a decision to get wrong.

Here are some tips that can help.

Real Estate Agent vs. Realtor Realtors have solid knowledge of the real estate business and must follow a strict code of ethics.

While a real estate agent may or may not also be a Realtor, all realtors are required to be licensed real estate agents.

To become a Realtor, a real estate agent has to join the National Association of Realtors (NAR). This allows him or her to attend industry meetings, get NAR newsletters, and access software and educational tools.

With their licenses and training comes an assurance that Realtors are well trained professionals, and that they will provide you with the best possible service.

12 | HOW TO GUIDE

Where to Start Looking Talk to people in your social network for referrals to find out the good Realtor in your market. Recommendations are one of the best ways to find a Realtor.

In some cases, agents are good at helping clients to purchase homes, but they may not be as skilled at selling them. Remember this as you search for the right professional for your situation.

Also consider getting in touch with local brokers or searching the NAR directory online.

And no matter how you find them, always work with credible, responsible agents. It’s a waste of time to settle for anything less.

Comfort Level When you have your first consultation with a prospective Realtor, focus on your comfort level while interacting with them.

Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? Can they negotiate a contract?

It is important that you feel comfortable with the Realtor. You must trust that this person can behave ethically and help you secure a good deal.

Communication and Planning Your Realtor should be an effective communicator. If you are selling your home, your agent should

develop an effective marketing plan, explain it to you, and respond to any questions or concerns you have.

The marketing plan will probably involve placing advertisements and creating a multi-photo visual tour of your property that clients can view online 24/7.

If you are purchasing a home, the agent should listen to your guidelines and price range.

Above all, your Realtor needs to provide updates on progress. Do not work with someone who does not return phone calls or emails.

More Resources To get a better idea about the process of buying and selling a home, conduct some research on your own.

Real estate magazines contain good information and can be a great way to start your research.

There are also a lot of good resources on the Internet, such as www.

Realtor.com, which is associated with NAR and which contains free, useful information.

You may find housing statistics, market forecasts and tips, but nothing beats the power of networking.

You need to find people with similar interests who will help you in your endeavor.

Upon successfully buying or selling your home, keep your Realtor’s contact information on hand.

You may want to refer other people to him or her. You may also need their services again someday.

Whether you’re searching for a new home or selling your existing home, Greg and his team of professionals can help you!

7450 Morro Road Atascadero

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Greg Malik, Realtor©/Broker 

Certified Real Estate Specialist



Senior Real Estate Specialist

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Chamber of Commerce Businessman of the Year- 2013



Awarded Atascadero Realtor of the Year- 2016



Voted Best of North County Real Estate Agents- 2013, 2014, 2015, 2016, 2017 & 2018



Proudly Helping North SLO County Residents Buy and Sell Their Homes since 1980

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A Publication of The Atascadero News & Paso Robles Press |

13

HOW TO

Flooring

How to Choose a Flooring Dealer

N

ew flooring can transform your home. IT can increase its appeal by giving it a new look. It can make rooms look bigger or smaller, lighter or more elegant.

You have a myriad of flooring options, including carpet, hardwood, bamboo, waterproof, laminate, stone and tile. With so many options, it is important to choose an experienced flooring dealer. You will need guidance on which brands and types are durable. Let a good dealer help you determine which flooring material will best fill your needs.

When picking the best flooring and respective dealer, try not to be overly frugal. You must think about longevity. Your budget may be tight and you might be concerned about pricing, but you must get the best value possible.

What if something happens in 10 years and you have no warranty to repair or replace the damage? Or if the installers

14 | HOW TO GUIDE

make a mistake and leave your flooring permanently damaged?

So be sure to look at additional support and services. Find a dealer who has a great reputation and long track record of excellent customer service. Spending extra money is worth purchasing a product from a flooring dealer you can trust. You aren’t just buying flooring. You are also creating a relationship.

When looking for a flooring dealer, look on the Internet or your local phone book.

On the Internet, you can find review sites to see how local flooring dealers compare. You can also check advertisements in your local newspaper to find specials and deals.

Keep in mind, though, the Internet can be misleading when it comes to finding a qualified floor dealer. Just because it is one of the top search engine results doesn’t mean that the company is reliable.

Instead, look on consumer review sites. Then check with the Better Business Bureau to see if the company has had any

complaints lodged against it. If so, look to see how they were resolved. You might also check with the Chamber of Commerce.

After making a list of potential dealers you are considering, give each of them a call. Inquire about the background of the company and how long they’ve been in business. You may ask for referrals from previous customers for references.

Find out about the installation services they use and their reliability. Do they use in-company groups or outside contractors?

Also, find out about prices and warranty coverage.

If you visit their offices, they might even show you a scrapbook of prior work.

Experience should play a role in which company you ultimately select. Quality of materials, comparable or lower prices and good references will all make a big difference in finding the right flooring dealer.

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2450 Main St suite A. Cambria 805.203.5544 Mon-Fri 10am-4pm Sat & Sun closed A Publication of The Atascadero News & Paso Robles Press |

15

HOW TO

Solar Energy

How to Choose a Solar Energy Company S

olar panels can lower your home or business energy bills while helping the planet and adding val-

ue to your property.

That’s why more Americans are turning to solar power.

As a result, more companies are offering to install solar panels. So it is important to pick the product and installer that will result in the best long-term benefits for your situation.

Here are some things to consider when choosing a solar company.

REPUTATION In a fast-growing industry like solar energy, it’s especially important to know the reputation of the company you’re dealing with. New companies may be showing up in the marketplace, but that doesn’t mean they’ll necessarily offer the best service or be around long enough to support their product line years from now.

Look for stability in your solar installer. You’ll want to find a company that has developed a great reputation over a number of years with a long track record of satisfied customers from projects similar in scope to yours.

THE SYSTEM There are a wide range of solar panel systems on the market, and the technology itself is going to be a big part of your decision. Your solar system can be tied to the existing electrical grid or completely off the grid, for example, which will require different equipment and setups.

No matter what system you decide on, the key thing you’ll be looking for is efficiency, and that means understanding

16 | HOW TO GUIDE

both the energy generated and the cost of doing so.

Some solar systems generate power more efficiently than others, depending on their design and the type of materials they’re made from. And price efficiency can matter, too, because you don’t want to find yourself spending a whole lot more money for just a tiny increase in power. Likewise, if a slightly bigger investment can yield a large boost in energy generated, it can make sense to spend the extra money.

Look closely at the math, and pick the system that gives you the best return for your money. Many solar systems will pay for themselves over a number of years, so choosing one to be installed by a well-regarded company can be a wise financial move.

OTHER SERVICES Homeowners or commercial users will often want more than just solar panels installed. If you think that’s a possibility, you can look for a company that offers a range of services, such as radiant heat systems and solar thermal systems.

And if you’re doing new construction that will have solar components, look for a solar company that can also serve as your general contractor. The bigger the project, the more important it is to have the solar systems integrated into the design and construction from start to finish, not added on as an afterthought by a contractor that doesn’t typically incorporate solar elements into their projects.

If the company is familiar with construction methods that will increase the structure’s overall efficiency, too, that’s even better.

FINANCING OPTIONS Finally, a good solar company will present you with a wide range of options to help you pay for the upgrades.

They should be familiar with all types of government incentive programs and willing to help walk you through the process of getting them. Federal programs are available to consumers who install solar panels on their homes, and additional state and local incentives are sometimes available. Make sure you thoroughly understand all these programs, though, because their requirements can be complex and important to follow exactly.

In addition to the help from government programs, there are three ways buyers typically purchase their systems: — Paying cash: The simplest and most direct way of paying for your system, cash buyers may be eligible for a 30 percent tax credit from the federal government along with other rebates that can reduce the installation cost up to 50 percent in total.

— Loans: Both home equity loans and unsecured solar loans may be available to help you purchase a solar system.

Some solar companies offer loans for up to 20 years, while home equity loans may have the benefit of letting you deduct the interest from your income taxes.

— Leases: You may also be able to lease your solar system with no down payment or upfront costs. A solar lease will let you make affordable monthly payments to pay for your system, perhaps even including a performance guarantee and scheduled maintenance services included in the monthly cost.

A Publication of The Atascadero News & Paso Robles Press |

17

HOW TO

Prosthetics

How to move forward after an Amputation

L

osing a limb due to a vascular disease, cancer or traumatic event can be extremely difficult both physically and emotionally for both the patient and their family. However, it is important to understand that there is life after limb loss and it can be extremely dynamic and full of new adventures. There is a large community of amputees who have shared your same fears and are willing to lend a helping hand. The first step in dealing with limb loss is to educate yourself and find a place you feel you can trust and work with in a team approach for your health care.

Here are 5 crucial steps to a successful prosthetic experience?

1. Interview more than one Prosthetist.

A Prosthetist is an allied health professional specifically educated and trained to make and fit prostheses (manufactured limbs to replace missing limbs). If you are facing an amputation, or even if you have worn a prosthesis for years and decide to choose a new prosthetist, plan to visit and interview several Prosthetists before making your decision. Your physician or surgeon may make recommendations, but ultimately, the decision is yours.

Your relationship with your Prosthetist will be an ongoing association, so it is important to choose someone you trust and with who you feel comfortable.

2. Ask the prosthetist if they have a Certified Amputee Coalition Peer Visitor.

These Peer visitors are trained to discuss the difficulties of limb loss and are knowledgeable in amputation procedures as well as prosthetics. Most of the time these peer visitors are amputees themselves.

18 | HOW TO GUIDE

3. Find a prosthetist who has offices that are convenient to you. Because a prosthesis is custom-made and will require multiple visits to your prosthetist, it is important to choose someone who has an office that is convenient to your home or work.

4. Bring someone with you when you interview potential prosthetists. It is helpful to bring a friend or family member on your visit to assist you with the interview. A support person can take notes for you during your conversation with the prosthetist. Ask questions to determine if the prosthetist is a good match for you and your prosthetic needs. Choose a prosthetist who listens to you, is willing to spend the necessary time with you, and is responsive when you have an urgent need for repairs to your prosthesis.

5. Check credentials. It’s important to know the prosthetist’s credentials, the level of education he or she has completed, and how much clinical knowledge and experience he or she has. Ask how much experience the prosthetist has treating individuals with an amputation similar to yours. Find out if the prosthetist is certified and if the facility where he or she works is accredited by one of the two accrediting organizations in the United States; the American Board for Certification in Orthotics, Prosthetics & Pedorthics (ABC) and the Board of Certification/ Accreditation (BOC). Some states require prosthetists to be licensed, so investigate that as well. Certification, licensure, and accreditation indicate a credible and competent practice, current and up-to-date credentials, and a commitment to patient care.

Communicate Your Needs

A person who has recently lost a limb must work hard to reach his or her goals, and

results are best when you and your Prosthetist come together to provide the tools to succeed. When you first visit your prosthetist, it is important that you discuss your priorities and preferences. Do you want to be athletic?

Are you most concerned about the cosmetic finish of the prosthesis or the function of the prosthesis? It’s important to discuss all of your health issues with your prosthetist to determine the best possible options for your care.

Understand Your Prosthesis

The design of your prosthesis will be based on considerations such as your overall health, anticipated activity level, relative strength and flexibility, vocational needs, hobbies, and interests.

Your prosthesis will consist of a socket, the portion of your prosthesis that is worn against your residual limb and is custom-made to ensure an appropriate fit, and additional prosthetic components. Component parts, such as prosthetic knees and feet, are selected from a variety of manufacturers to address your individual needs.

Be an advocate for YOU

Choosing care for your limbs and dynamic mobility is about finding the right combination of supportive care, clinic services, and an experienced prosthetist. Find a clinic in your area where the whole staff are passionate about YOUR care as well as walking with YOU in YOUR new life transformation.

Never Give Up!

Zak Malzhan, C.P., C.O.A. Prosthetist for 23 years.

North County/ Paso Robles resident for 40 plus years.

All pictures are current Achilles patients who bring us inspiration each day.

Child Cranial Remolding Orthosis • Diabetic Shoes and Custom Insoles • Orthotic Bracing • Upper and Lower Limb Prosthetics Accepting all insurances, CenCal and Medicare

234 Heather Court, Suite 101, Templeton, CA 93465 Across the street from Twin Cities Hospital

805-434-1600 www.achillespo.com www.facebook.com/AchillesProsthetics/

Insta

@achillespocare

A Publication of The Atascadero News & Paso Robles Press |

19

HOW TO

OB-GYN

How to Choose an OB-GYN

P

regnancy is a magical and life changing event.

It can also be stressful as you make plans for your new addition’s birth. But by choosing the right care providers and having a thorough pregnancy plan, you can avoid a great deal of unnecessary and unhealthy stress.

Choosing the right obstetrician and gynecologist (OB-GYN) is one of the first decisions expectant mothers need to make. These care providers will guide you from the first days of your pregnancy until your child’s birth. They’ll also follow up after birth to make sure that mom is happy and healthy.

If you have a baby on the way, or you’re planning a pregnancy in the near future, here are some considerations for selecting expert care providers.

Get Recommendations

Chances are you have any friends, family members or co-workers with growing families; and they’ll usually be happy to share their experiences with you and recommend an OB-GYN for you to use — or one to avoid.

Experience and training are obviously the most important aspects of choosing any medical professional, but personal references can give you other insights, too. The doctor should have a personality and bedside manner that makes you feel comfortable asking questions, and they should be

20 | HOW TO GUIDE

able to communicate with you clearly and completely.

Getting these insights from new mothers will help you know what to expect from different OB-GYNs in your area.

Check Your Insurance

Another important consideration is which doctors and hospitals are covered by your insurance plan.

Your ability to shop for doctors will vary widely depending on your particular policy. Some insurance plans have a large network of OBGYNs to pick from, but others may only give you one or two local choices unless you’re willing to pay higher — and in some cases, dramatically higher — out-of-network fees to pick a different doctor.

For most people, choosing an in-network provider is critical, so check with your insurance company early in the process.

Birth Location

For some expecting mothers, the location of their birth is a major consideration. If you have a particular hospital or birthing center in mind for your delivery, make sure your OBGYN is authorized to work there.

Most obstetricians have admitting privileges to just one hospital, so picking your OB-GYN means you’ll be choosing the place you’ll be giving birth, too. Look carefully into the services your doctor’s hospital provides to make sure it meets your expectations.

The Delivery

Because every delivery is different — often happening at unexpected times and occasionally with complications that can’t be predicted — it’s hard to know what your delivery will be like with any precision.

The OB-GYN who delivers your baby, for example, may not be the one who did all your pregnancy care.

There’s no way of knowing whether your OB-GYN will be the one on call when you go into labor.

That’s an important question to ask, though, and the answer will often depend on how large the OB-GYN’s practice is. For a small practice, with only one or two doctors, you’ll be very likely to know the doctor who delivers your baby. But even if you choose an individual practitioner who typically personally attends your delivery, ask about their backup plan if they happen to be sick, on vacation or busy with another patient in labor at the same time your baby is coming.

You should know what to expect.

In the end, all these factors should come together to make you comfortable and happy about your decision.

Asking lots of questions and picking a great OB-GYN will help make sure you have a happy and healthy childbirth experience.

It has been my great honor to offer healthcare services in Templeton for the past 21 years. I love this community, and the strong, vibrant women I’ve had the pleasure of serving. I hope you will join me in my new private practice, offering state of the art gynecologic, obstetric, aesthetic and wellness services; truly an integrative wellness center designed to take care of women in all cycles of life.

Obstetrics & Gynecology

• Gynecological Surgery • Obstetrics Health Advocates, providing concierge level treatment • diVa Laser for vaginal rejuvenation • THERMIva vaginal tightening

Aesthetics

• BBL • HALO Hybrid Fractional Laser • THERMIsmooth Body Sculpting and Cellulite Treatments • Laser Hair Removal • Laser Vein Ablation • Botox • Fillers

Spa Services • • • •

Massage Facials and Peels Waxing ZO, Proprietary, and Cosmedix Skincare

www.stanislausobgyn.com info@stanislausobgyn.com

(805) 434-3000

350 Posada Lane, Suite 201, Templeton, CA 93465

A Publication of The Atascadero News & Paso Robles Press |

21

HOW TO

Appliance Stores

How to Choose an Appliance Store F

inding the right appliance at the right price doesn’t have to be a big chore.

In fact, shopping for appliances can be fun. These days appliance manufacturers produce items that have every conceivable feature to make your life easier.

Exploring these innovations in home appliance technology can be an enjoyable and eye opening experience.

Before you start exploring, determine your budget and needs, Know exactly what you need, what you would like to have, and what you can realistically afford. Then go shopping.

LOOK ONLINE Before you step outside of the house, do an Internet search for appliance stores in your area. Local stores will be easier to work with and you will likely be able to get your appliance much quicker than if you had to go out of the area, or order it. This is especially important if your refrigerator has stopped working. Many appliance stores offer free delivery.

Business review sites will give you a good idea of the service offered by various companies. Do not dismiss the negative reviews but keep in mind that customers who have good experiences are less likely to crow on the Internet.

Consumer Reports (www.consumerreports.org) and the Better Business

22 | HOW TO GUIDE

Bureau (www.BBB.org) are also great resources for finding reputable businesses. To qualify for listing on the Better Business Bureau site, the business must be reliable and honest.

Many stores also have message boards for customers to leave comments and reviews for the services and the products they sell, which can give you some insight into the business and their products.

LOOK FOR ADS Who wants a deal? Well, most of us probably do and one of the best ways to find those awesome deals is to check for advertisements. Deals can be found in your mail, local newspaper or online.

Some appliance stores offer specials on certain products.

Other stores will use price-matching to stay competitive. Not all stores have policies on price-matching, so be sure to ask first. If you can find a lower advertised price on the exact same product and model elsewhere, many stores will sell you the product for that price. This is called price matching.

As always, conduct research on the appliance you need to make sure you are spending money wisely. Not all appliances are the same; just because one manufacturer was excellent two decades ago doesn’t mean the quality will be the same now.

STORE POLICIES Review the store’s policies about warranties and repairs. If the appliance comes with a one-year manufacturer’s warranty, you might not need an additional warranty from the store.

Appliances have a yearly sale price cycle. Washers and dryers usually go on sale during the winter. Refrigerators are often discounted in the spring, and stoves and ovens in the fall. If you don’t need it right away, consider shopping seasonally for the best deal.

You could also haggle for a price, especially at a local appliance store. Salespeople are typically prepared for this process. If you are too shy or afraid of haggling, ask the store for an extended warranty or free delivery and set-up. It never hurts to ask. They just might give it to you.

Consider these questions when you’re looking for an appliance store: do they have a delivery window, warranty options, repair services and range of products?

When you have these questions answered, then you can purchase your appliances with confidence.

Large Showroom - Parts & Services - Major Brands Store Hours Monday - Friday 8:00am - 5:30pm Saturday 10:00am - 3:00pm

Dutch Maytag is your appliance expert and is proud to be serving Paso Robles, CA. We are committed to offering you top name brands for home, kitchen, and laundry appliances.

Come in and experience one-on-one personal service that you won’t get from big box stores. We feature new appliances from Maytag, Whirlpool, Kitchen Aid and Amana.

Come on in and take a look at our showroom!

FLOOR PRICES LOWER THAN BOX STORES! WILL MATCH ANY SALE PRICE!

DUTCHMAYTAG.COM

(805) 239-4552

1501 Riverside Avenue, Paso Robles, CA 93446 A Publication of The Atascadero News & Paso Robles Press |

23

HOW TO

Tax Professionals

How to Choose a Tax Professional

A

professional tax preparation service can help you file your quarterly or annual tax returns while also navigating increasingly complicated tax codes.

Reliable tax preparer can also save you time and money while helping you avoid errors that get you in trouble with the IRS..

But finding experienced and responsible tax professionals requires research. The IRS urges caution in picking a tax preparation service because the use of the service does not absolve you of problems stemming from an incorrect tax return.

There are many tax preparers who are honest. They provide excellent service to their clients. Others, unfortunately, are less than scrupulous.

They cause their clients legal and financial nightmares.

As of 2011, the IRS requires professional tax preparers to register, pass a competency test and meet continuing education requirements.

This government agency also licenses its own Enrolled Agents who must meet the same standards. The Treasury Department authorizes these Enrolled Agents to aid taxpayers at all levels of an audit.

Before hiring a tax preparer, verify that they will represent you if you

24 | HOW TO GUIDE

are audited by the IRS. Ask about the preparer’s audit rate.

The person you are hiring must specialize in tax preparation. A certified public account might not be a tax specialist, and is no guarantee you will not be audited.

The federal tax code changes every year. It is a challenge for tax professionals to stay current with the changes. A CPA specializing in taxation should have documentations of any continuing education classes completed in the past year.

It is important to check on your preparer’s as well as the firm’s credentials. The Better Business Bureau will inform you if they have dubious reputations. For more verification, contact your state’s board of accountancy or your state bar association’s tax lawyers to research a preparer’s professional record.

A legitimate and reputable professional tax preparer should have: • A relationship with an organization requiring continuing education • A fee schedule based on the complexity of your return • The willingness and ability to answer all of your questions • Availability extending beyond the preparation and filing of

• • •

•

your tax return Knowledge of your state’s tax laws Familiarity with any special circumstances that may apply to you A willingness to include an itemized list of any judgment calls it has made and attach it to your copy of the return A willingness to provide an in-person review of any expected refunds with the preparer.

Warning signs of a disreputable tax preparer may include: Claims that they can obtain larger refunds than their competitors Guarantees of a refund up front A request for your signature on a blank tax form An unwillingness to sign a return, known as “ghost” preparation.

The best tax professional has a proven track record of competence, a stellar reputation and an attitude of respect for his clients. It is your financial and legal status at stake. The preparer should be ready and able to stand behind his work and beside you if you ever need to appear for an audit.

A Publication of The Atascadero News & Paso Robles Press |

25

HOW TO

Garage Doors

How to Choose Garage Doors

G

arage doors add an elegant or classy look to your home.

They can add a huge wow factor to your home.

If your garage faces the front of the house, a new door could dramatically improve your curb appeal and change the overall look of your home.

And even if it’s facing the back, a good-looking door can be the perfect “welcome home” sign after a long day at work. Garage doors are also important for another key reason: security.

If you’re thinking about installing a new garage door, you may be surprised at just how many options are on the market — and how affordably they can be installed.

different doors would look like — complete with color and material samples, and perhaps even software that will show a picture of what your home would look like.

You should also pay close attention to the materials. Today’s garage doors can be made from expensive hardwoods, textured vinyl, fiberglass or basic aluminum, all of which will have a big impact on the look and longevity of your door.

Pay close attention to the maintenance needs of whatever material you choose. Some will hold their color longer than others, and real wood doors can require regular staining and sealing every few years to keep them looking spectacular.

THE LOOK Simple sheet metal garage doors are still on the market, but they’re only a tiny slice of all the options available that can impact the look and safety of your home.

In fact, garage doors have seen an explosion in styles, materials and colors that are designed to match the architecture of any home, from rural barns to craftsman bungalows or sleek urban getaways.

While you may already have an idea of the exact type of garage door you want to see installed, some homeowners seek the advice of a designer to help make the decision to pick the right style and color combination.

Some garage door retailers will be able to help you visualize what the

INSULATION Depending on your climate, the insulation of your garage door can be an important factor to help reduce your energy bills.

Just like windows and insulation in your attic, garage doors come with an “R factor” rating that tells you how well they insulate your home from outside temperatures. This is especially important in heated garages. But even an insulated door on unheated garages can make a positive impact on your energy usage if it can keep the hot and cold weather away from the interior of your house.

In general, the higher the “R value,” the better off you’ll be. It is a good idea to pay attention to this in extreme climates.

26 | HOW TO GUIDE

LOCAL REQUIREMENTS Before you make the purchase, you should also check to see if your city, county or homeowner’s association has any special requirements for garage doors.

Homeowner’s associations, in particular, may have very picky requirements about what materials and styles can be used in your neighborhood.

Make sure your choice meets with the approval of any local authorities or boards that control their use.

SAFETY A garage door is typically the largest moving object installed in any home, and safety should be a consideration.

Ask your garage door retailer about any special safety features on the door you select. It should have a design that won’t pinch your fingers or hurt small children if they get caught under it. Make sure it will be installed according to all applicable safety codes in your area.

OPENER Finally, when you install a new garage door it’s usually a good idea to install a new opener, too. Make sure you factor this into the cost and explore all your options — including the latest models that can be closed remotely via smartphones and operate very quietly and efficiently.

HAMON

VERHEAD DOO R O

COMPANY inc

RESIDENTIAL - COMMERCIAL Wood - Steel Insulated doors Carriage House Doors

“Work out at the Gym, not opening your garage door” GARAGE DOOR JAMMIN? TIME TO CALL HAMON 238-0524

Spring and Cable Replacement Automatic Opener Repair/Replacement Service On All Makes of Doors & Openers

Serving the Central Coast for 48 Years

(805) 238-0524 • Fax 238-9137

CALL TOLL FREE 1-800-243-8590 A Publication of The Atascadero News & Paso Robles Press |

27

HOW TO

Funeral Homes

How to Choose a Funeral Home

L

ooking to make funeral arrangements for you or your loved ones?

For most people, that is an unpleasant thought.

But planning ahead while you have a clear mind and are not in crisis mode can help you sail through that difficult time when it does come.

Since most people don’t have much experience with planning funerals, they are hit with sticker shocker when they visit funeral homes. Not only can funerals be expensive, prices can also vary widely.

Planning before your time of grief will help you make wise decisions under difficult circumstances.

Here are some things to consider when selecting a funeral home.

The first step is to find out if the deceased has made any funeral arrangements and whether these plans need to be changed. Sometimes weather may be an issue or other factors may get in the way of what has already been planned.

If no arrangements were made, ask family and friends to see if the deceased made any specific wishes. If possible, respect those wishes.

If pre-arrangements with a local company exist, then contact that company. Arrangements bought years ago may not cover the cost of the funeral or represent the latest wishes of the

28 | HOW TO GUIDE

deceased. If you are in this situation, Do not decide on a funeral home look around to see if another funer- right away. Think about it for a bit. al home has a better arrangement, or The decision should be made with make adjustments as necessary. clarity.

To find the right funeral home, ask family, friends and pastors for a recommendation. It is a good way to focus on funeral homes with excellent reputations. You might also consider your own experiences at funeral homes in your city.

If you cannot get referrals, look on the Internet. Select three or four funeral homes that might fit your needs.

Visit each one with a close friend or relative.

Budget is a major concern for most people. Inquire about basic fees. Ask about services the funeral home may offer and if payment arrangements can be made. Ask questions and take notes. Staff members should be patient with you.

It is important to get written estimates for everything. Ask about hours for viewing, in-house versus off-site services, cremation services, additional fees and special requests.

The Federal Trade Commission mandates that funeral homes must provide customers with a price list.

If you believe the casket prices are too high at one funeral home, you can purchase the casket elsewhere without being subjected to additional charges.

After deciding on a funeral home and type of service, documentation is the next step. The funeral director can help you with the required forms and permits. You should have a copy of the death certificates and make the actual burial or cremation arrangements.

When other relatives or friends are involved, it is best to find a funeral home that fits your family’s needs.

Talk with them honestly and compare notes. Don’t allow yourself to be pressured into additional services you don’t need or can’t afford. Stay within your budget.

Talk to the funeral home and tell them who in the deceased’s family is authorized to make decisions. Be very detailed about your expectations and what kind of arrangements you want.

Tell them if something is not being done according to your intentions.

Good funeral homes will guide you through the process to ensure that the funeral runs smoothly for everyone. In your time of grief and hardship, preplanning can give you a small measure of comfort and peace.

Kuehl - Nicolay Funeral Home

“Paso’s First and Only Full Service Funeral Home Serving Our Community Since 1927” Lic.# FD68

Caring for People – Making a Difference The loss of a loved one affects us not only emotionally but economically.

During these difficult times, allow us to assist you. Kuehl-Nicolay Funeral Home has been serving the families of OUR community for 86 of Paso’s 125 years.

Our compassionate and professional staff are more than qualified to answer any questions you may have.

Whether pre-planning or end of life arrangements, we are your Dignity Memorial provider.

• • • • • Pre-planning for your own funeral is truly one of the greatest gifts you can give to those you love.

FUNERALS C R E M AT ION S F L OR A L SE RV IC E T R A N SF E R S C OM P E T I T I V E LY P R IC E D

Call us at (805) 238-4383

kuehlnicolayfuneralhome.com

1703 Spring Street, Paso Robles, CA A Publication of The Atascadero News & Paso Robles Press |

29

HOW TO

Garden Center

How to Choose a Garden Center

G

ardeners used to rely on yearly seed catalogs to pick what they planned to put in their flowerbeds and vegetable gardens in the spring. Nowadays, gardeners can buy supplies yearround online or at conveniently located garden centers.

Here’s what you should look for when selecting a new garden supply store.

Do the Research

Research will help you determine which garden center is best for you.

Look at the center’s catalog or website. Not only should it be filled with quality products, it should also have information to help you become more successful. Staff advice should be easy to understand and apply. Remember, they are not only retailers but also experts in their field.

Quality garden centers offer hands-on training and other classes on various gardening topics.

Expertise can also be defined by media presence. The specialists at the garden center you are considering should be on the short list that the media uses.

Your friends and neighbors may have referrals. Does someone in your social network love gardening? If so, then ask who they use.

While some garden centers stock a wide variety of brands and products,

30 | HOW TO GUIDE

most have a few products they spe- different kinds of corn to create one cialize in. that is more resistant to diseases, they may combine genes from corn and a totally unrelated tomato plant. These Visit the Garden Centers Once you have researched garden modifications do not happen naturalcenters, visit two or three locations ly in the breeding process.

Many people may be cautious before making a final decision. about using genetically altered seeds Talk to a sales person. Think of a problem you experienced in the past and plants, but there are advantages and ask them for a solution. The sales to them. On commercial farms, this people should be knowledgeable type of plant has plenty of assets over about remedies. Note his or her de- organic plants. In a backyard garden, however, genetically modified plants meanor and attitude.

Find out how long they have been are usually not necessary.

When shopping at a garden center, in business and more about the owner. understand the types of plants they Good centers are usually in the same place, operated by the same people offer. There should be a labeling system in place. If not, ask the staff for for a very long time.

Take a look at the plants. Do they more information. Commercial crops look healthy? Are they well-main- are more likely to have genetic modification. tained? Is there a decent variety?

Once you’ve done your research Typically, plants grown in green and know what you want, head on houses are better quality. After all, they are produced to be grown in over to your local garden center and your area. Plants grown locally usu- get started improving your garden. ally have fewer diseases. A plant may not appear diseased until you take it home.

Inquire about how the plants are produced. “Open pollinated” designates a seed or plant will reproduce itself purely if a seed is properly saved from the fruit of the plant. An organic seed or plant has been produced without artificial or chemical pesticides.

Genetically modified plants are created by laboratory technology that manipulates the plant’s genes.

For example, instead of mixing two

A Publication of The Atascadero News & Paso Robles Press |

31

HOW TO

Farm Insurance

How to Choose Farm Insurance

I

f you run a farm, you need specialized insurance to protect your investments in equipment, buildings, livestock and crops.

Many farmers are well schooled in their understanding of planting schedules and farm equipment, but aren’t experts on the complicated workings of insurance coverage.

A sound insurance policy can make the difference in whether their business lives or dies in the event of an accident or other catastrophe.

When you are in the market for farm insurance, here are some things you need to keep in mind.

Increased Liability

With the farming industry changing at a rapid pace, you may have more exposure to the prospects of lawsuits and damages.

Contact with the general public, for instance, brings risk. Roadside produce stands, agri-tourism events and even “pick it yourself” fields bring a potential for liability if someone is injured or harmed on your property.

You might also be held liable if

32 | HOW TO GUIDE

someone gets sick from eating your crops.

Every farm is different, with various sizes and types of operations. You might need different coverage from other farms. Have a meeting with your insurance agent to talk about your changing needs when it comes to liability coverage. The agent should develop a customized solution specifically for your needs.

Know Your Policy

Farm policies are very different from other insurance products. It is important to understand your coverage.

When you meet with your insurance agent, ask the following questions: — If my house is on the farm, does farm insurance cover it for damage?

— What types of damage to my farm equipment does the insurance policy cover?

— Does the policy include all the barns and buildings on the farm?

— How are my livestock covered?

Policies are different. Some may cover livestock, buildings and equipment, while others will provide cov-

erage from disasters, floods and other harm.

Find an insurance agent who is specially trained to look for risks that exist on farms. You should identify these things and insure against them before they happen. It is better to be prepared rather than feel regret.

Firm Strength

Make sure you are dealing with an insurance company that has a strong balance sheet and good reputation.

Insurance companies receive ratings based on their finances. A good agent will discuss these ratings with you.

It is equally important to understand the company’s reputation for dealing with claims. Good insurance companies handle farm claims quickly, fairly and professionally. It is always a smart idea to ask other farmers in your area about insurance companies. They may even have some recommendations for you.

Knowing how to protect your farm, equipment and livestock, and getting the right coverage will protect you as well as give you peace of mind.

Crop & Agribusiness Specialist Get the local advantage for all your insurance needs Cathy Borg & Brian Gill 1426 Spring St., Paso Robles (Above Paso Lock & Safe)

(805) 434-6516 A Publication of The Atascadero News & Paso Robles Press |

33

HOW TO

Healthy Foods

How to Choose Healthy Foods

Y

ou only have one body, so it’s important to treat it right.

Doing so means loading it with the right fuel to keep it running smoothly.

Unfortunately, many Americans enjoy the convenience of fast food and instant meals and forget that these processed foods have little or no nutritional value. Worse, these foods often leave them craving unhealthy snacks.

Home-cooked meals are good for your body and pocketbook. They are cheaper, more satisfying to your taste buds and better for your health.

Whether you are preparing vegetables, roasts or an appetizing main course, find a local grocer who stocks only the best products.

Freshness

Depending on where the food has been grown, produce may be refrigerated and stored for long period before it arrives at a store. This delay can impact the texture and taste. That’s why it is always best to purchase fruits and vegetables that are harvested before they ripen.

Look for foods that are naturally

34 | HOW TO GUIDE

in season, such as apples in the fall or tomatoes in the summer.

When buying other items, such as meat, find a store that offers the quickest path from the farm to your dinner table. Beef, poultry and seafood are best when they are fresh.

Local

It is best to purchase food grown near your home.

Buying locally sourced food will help your city’s economy; it is also better for the environment. Food shipped across the country generates carbon emissions. You will pay more for the food because fuel and other costs must be included in the price.

It also means that produce must be picked before it has properly ripened.

Grocery stores that stock locally-grown food are proud of this fact.

They are actively supporting their communities.

dull the flavor of produce. Organic foods simply taste better.

Some people think that organic foods are more expensive, but smart shoppers know that you can find organic foods that are affordable and convenient.

People who want to find healthier options for meat should find grocers who sell beef and other fare without unnatural hormones.

Expert Advice

Look for trustworthy information.

There is no shortage of advice, but information is only as reliable as its source.

The finest grocery stores have registered nutritionists and other experts on staff. These professionals will help you make wise eating choices. You can also find reliable diet advice and the most up-to-date tips.

You may also ask produce managers for their personal recommendations.

Natural Quality stores will gladly extend a Organic foods are a popular commodity. People want foods that are hand to help you find the best deals. grown without harsh chemicals and For many shoppers, service with a pesticides. Studies have found that smile is more important than anyorganic foods are a good choice for thing they can find on the shelves. health-conscious consumers.

Chemical fertilizers and pesticides

Natural Foods • Vitamins • Supplements • • • • • • •

Organic Produce, Meat & Fish Organic Groceries Homeopathic Center Vitamins Nutritional Supplements Pet Foods Total Body Care

6985 San Luis Avenue, Atascadero, CA • (805) 466-3202

www.HarvestNaturalFoods.net A Publication of The Atascadero News & Paso Robles Press |

35

HOW TO

Estate Liquidation

Estate liquidation Tips and Advice

A

s older family members pass away or move into assisted living facilities, they often leave behind houses full of valuable furniture and other priceless items. Many families in this position could benefit from an estate liquidation sale, but many do not know where to turn. The following tips can help anyone seeking assistance in handling estates liquidations.

Communication Is Key

Communicate with your family in general terms about your estate plan.

Talking to them about what they can expect could head off estate disputes and heartache.

Make sure it is understood that an estate liquidation sale is the desired path for the family to ensure it runs smooth.

First, find the right estate liquidation company, one that is bonded, licensed, and insured, to properly manage the estate sale.

Next, make sure they have a good reputation in your community. A company that has been in business several years is sure to have clients who can back up their services.

Finally, make sure they are knowledgable in estate sales and that they are accustomed to researching the value of your possessions in order to sell at the best price.

Meet In Person

Making a decision about your liquidation company can be tricky until you meet and become comfortable with them. Take the time to speak to them directly and get a good idea of what that specific estate liquidation company can do for you.

Interview them face to face and discuss your concerns. Make a decision based on their experience, perFind A Certified Estate sonal integrity, and ability to help you Liquidator After a loved one passes on or affectively achieve your goals. moves away, it can be overwhelming to try to sell their belongings and Written Contracts If you find the company you want prepare their home for sale. Finding the right person to help organize and to work with, be sure to get a writorchestrate the estate sale and the sale ten contract. Never verbally agree to of their house can be a daunting task. an estate sale without one. Contracts

36 | HOW TO GUIDE

will vary from company to company, so be sure to read over it carefully before you agree to anything.

Finding the right liquidation company may not be easy, but by following these sites, you can narrow down your options and rest assured when you find the right company.

Diane Cassidy

Experience Peace of Mind Seniors Real Estate Specialist

Parkside Real Estate

Mobile: 805-434-8300 • Office: 805-591-5224 711 12th St., Paso Robles, CA diancecassidy@remax.net

Since 2003 • Lic # 01384413

A Publication of The Atascadero News & Paso Robles Press |

37

HOW TO

Insurance Agents

How to Select an Insurance Agent

T

he key to quality insurance lies in choosing the right Insurance Agent for your needs Choosing an insurance company can seem like a daunting task with so many to choose from.

Getting the right insurance and agent for your needs will not only save you on time and money in the future, it will also leave you with peace of mind and satisfaction.

Shopping for the right insurance agent can feel overwhelming. After all, there are plenty of things to consider. You need to find a company that offers the right mix of service, coverage and an affordable price.

The challenge may simply be not knowing how to identify a reliable, reputable agent.

Remember that everyone needs insurance coverage. An experienced agent can walk you through various options, keeping in mind your budget and lifestyle.

Before choosing an insurance plan, you will need to identify an agent to guide you through the process. Your financial future depends on finding the right person to help you get insurance that will fit your needs.

Your family, friends and colleagues have likely worked with insurance agents in the past. Ask people you trust for referrals. If you receive a recommendation, it is because that person has had a positive experience.

There is a good likelihood that you will have similar results.

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Successful agents understand that offering great service will keep them in business. Their careers depend on word-of-mouth. If you are happy with the service you receive, your insurance agent will appreciate your willingness to refer acquaintances to them in the future.

If you do not have recommendations, begin researching your options.

Begin by looking at local companies and brokers.

Large insurers give all of their agents the same training. Each agent will be subject to the same company policies. In some ways, that can be comforting. However, agents at large companies may lack creativity and flexibility in how they handle their accounts.

As you conduct your research, be thorough and critical. Buying a policy is similar to purchasing a new car or home. It is truly that important.

Select a company that is highly regarded by consumers. Read reviews of each company to determine who has the most satisfied clients. Are they easy to work with? Have there been any problems with collecting on a policy?

Also, check that any prospective agent has all necessary licenses and training.

After narrowing your list of prospective agents, make an appointment to visit each one. Prepare a list of questions and concerns about your personal situation. Take notes during

your meeting. Remember that you must feel comfortable with the answers before purchasing a policy.

If an agent tries to pressure you into making a decision right away, inform him that you need more time and cannot sign anything immediately.

The right agent will let you take as much time as you need to understand the implications of each policy. They will give you useful information and not subject you to high-pressure sales techniques.

Your agent should be available.

The relationship doesn’t end once the sale is completed. Your dialogue should be continuous. The best agents are available in the event you have to file a claim.

Agents who have been in business for many years likely have a good reputation and track record. They understand the policies and will even take extra care that you are properly protected.

It is essential that you choose the right type and amount of insurance to adequately protect yourself and your financial future. The policy should be tailored to fit your specific needs.

A seasoned, skilled insurance agent will be an invaluable resource for safeguarding your future.

A Publication of The Atascadero News & Paso Robles Press |

39

HOW TO

Lawn Equipment

How to choose a lawn tractor Outdoor power equipment. Wow, that does not sound like an exciting thing to talk about. Well, at least not until you need to use it. If you have a lawn to care for, a quality lawn tractor is a must.

A good lawn tractor can help cut down the time it takes to mow your lawn and even make the job a relaxing retreat away from other daily hassles. And if you pick a quality model and keep it properly maintained, a good mower will last you for years to come.

The Right Fit

Lawn tractors come in a variety of capabilities and price points which can range from $1,800 for a simple, basic model to $10,000 or more for a fully-featured, commercial-grade tractor. In between, you will find a vast mixture of features and quality.

Select the right model by asking yourself how you will use the lawn tractor. Lawn size is an important factor to consider. For a bigger lawn, you may need a wider mowing deck. Do you have any other planned uses for your tractor such as hauling garden supplies of plowing the drive?

High-end lawn tractors are more like pieces of farm equipment than traditional ride-on mowers. You can purchase accessories for them, such as baggers, trailers, powerful tillers and snowblowers.

You are not only buying a lawn mower.

These tractors are platforms that can be used for all kinds of jobs. So check on the accessories that come with each model, even if you don’t plan on purchasing them yet. You may appreciate the choices in the future.

Speed, Maneuverability

Most people want to finish the job in the least amount of time.

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While it is true that large mowing decks will cover more ground with each pass, there are other things to consider as well.

The transmission and speed is also a factor. How easy is it for you to change gears and turn in different directions?

The zero-turn mower is another popular option. These vehicles can turn quickly and precisely to cut lawns of all sizes and shapes.

While they have been used for years by commercial lawn crews, only recently have these mowers become affordable for the average homeowner.

Zero-turn mowers are particularly useful when mowing close to homes, playground equipment and other tight areas.

Durability

The longevity of your lawn tractor is also an important consideration.

The brand’s reputation should weigh heavily when you are making a decision.

Research consumer reviews and talk to your friends and family members about the best brands of lawn products.

Also, visiting your local retail store and talking to knowledgeable salespeople and/or owner will also help you.

There are plenty of low-end, affordable riding mowers out there, but few have a reputation for durability. It is economical in the long run to choose a well-built model from a reputable manufacturer.

Inspect the construction of each lawn mower careful to verify that it will meet your needs. While you probably don’t need the extreme engineering and high price of a commercial-grade model, you ought to buy the best model you can afford and follow the maintenance directions closely. It will help you get the most usage for your money.

Finding a good dealer is an essential part of the process. When you locate an experienced local retailer with a long track record of happy customers, you will be well on your way to selecting the right lawn tractor for you.

At your local dealer you can find reputable brands such as Husqvarna, Stihl, Echo, Shindaiwa and Toro. Mid Coast Mower & Saw, Inc. repairs and sells parts for all the brands they sell at this time. They have a full line of string trimmers, chainsaws, hand-held and back-pack blowers, walk behind and riding mowers, along with hedge trimmers and pole saws. They are well-stocked year-round and can also handle special orders if needed.

Mid Coast Mower & Saw, Inc. Sales • Service • Repair

Come and See Us for ALL Your Spring Equipment Needs!

Serving Our Community for More Than 27 Years

Trimmers, chainsaws, riding mowers and more.

(805) 466-2323

8710 El Camino Real, Atascadero www.midcoastmower.com A Publication of The Atascadero News & Paso Robles Press |

41

HOW TO

Elder Care

How to Choose a Home Care Service for the Elderly

P

eople need extra help as they age. It’s just a fact of life. Fortunately, there are an increasing number of options that don’t involve a nursing

home.

Services that provide in-home care for the elderly are a popular option.

Not only do they allow people to continue living in their own space, where they’re comfortable, they’re often a considerably cheaper choice than full-time nursing facilities.

Here are some tips to keep in mind when shopping for a home service provider.

Make sure you know the difference and ask exactly what kinds of services will be provided. For medical needs, always talk to your doctor to get advice about what would be best for your situation.

The People

Different companies handle staffing in different ways. Most likely, you’ll be assigned a regular person who you can get to know and be comfortable interacting with. Inviting someone into your home is a big responsibility, so it’s important you find someone you can trust and enjoy spending time with.

What happens when your reguMedical or Not? lar staffer can’t visit, though? VacaIt’s important to know is what lev- tions, illness and other conflicts mean el of medical care, if any, will be pro- sometimes you’ll need to have a different person do the job, so ask your vided.

Senior service providers vary provider how they handle substitutes widely in the types of help they offer when needed. people. Some are staffed by nurses or other licensed health-care providers, Track Record which is important if you’re looking Find out how long the home care for any actual medical care as part of service has been in business. Usually your needs. when a company has been around for But for many seniors who don’t a long time, that’s a good sign. With a necessarily need medical services in competitive market for in-home care their home, there are other providers services in most areas, only the best that focus on helping with day-to-day ones will stay in business for a long needs like cleaning, cooking and per- period of time. sonal grooming. They’re more like You should also find out as much personal assistants to help seniors as you can about the firm’s workers. live a great life, not necessarily offer- Ask about how much supervision ing any nursing care. they get, what their qualifications are

42 | HOW TO GUIDE

and how long they’ve worked for the service.

Making a Plan

Because every person’s needs are different, find out what kinds of plans will be a good fit for your needs. From the frequency of visits to the types of services offered, you need to find a good match for your exact situation.

If the in-home service will be helping with any medical needs, your doctor ought to be involved with making the plan. Most home care services will be able to coordinate with your doctor or hospital personnel to come up with a plan of care.

Reputation

Finally, ask around to learn whatever you can about the service’s reputation. Your doctor, friends and family may be able to tell you their experiences with certain service providers in your area — good or bad — so try to find first-person experiences to make a good choice.

The best home health providers will have a long track record and lots of happy customers, so a good reputation in your community is a sign that you’re making the right pick.

Lic. 405801611 Lic. 405801612

Monterey and Mission Lodge are located in Ada’s Vineyard, an actual working vineyard with 20 year old cabernet sauvignon vines. e seniors to feel a part of the plants, colorful fall foliage, and producing fruit trees to

Suites range in size from 333 to 355 square feet which allows for seating and activity space in each suite and have individually controlled heating and air conditioning to promote individual comfort.

All resident rooms have internet, telephone and television service.

5253 & 5255 Monterey Road in Paso Robles, California

Along with daily living assistance, long term care guests at Ada’s Lodges are encouraged to participate in container gardening during the spring and summer months.

Using local fruits and vegetables is part of our senior care philosophy, and are used regularly in our meals.

805.226.7431 adaslodges.com

A Publication of The Atascadero News & Paso Robles Press |

43

POWER YOU CAN TRUST

CALL GLENN’S REPAIR & RENTAL FOR DETAILS

805-466-2218

HOW TO

Choose a Generator

In today’s hyper-connected world, power outages are a disaster. This can be especially true if you run a business, work from home or have medical devices which require electricity.

If your home or business is hit by frequent power outages, you might want to consider getting a generator.

Whether you’ve lost electricity due to the weather, a downed power line, fire, or some other occurrence, a generator will help you get back to business quickly by allowing you to produce enough electricity for your own needs on site.

In areas prone to storms, hurricanes and tornadoes, generators can be a smart investment.

Getting The Most From Your Generator

It is important to pick a generator that can supply power to all the items you need in your house.

Understand running and surge wattage.

These two values inform you how much power your appliances need and the maximum amount of electricity they can handle.

Prior to purchasing a generator, check the safety tags on your appliances for the correct wattage. The running and surge wattage on the generator needs to be high enough to satisfy the ratings of your most demanding appliances.

Honda Generator Line Ups

tures for construction and industrial use (GFCI).

It is the #1 rated construction choice with Honda Exclusive performance with OSHA compliant features.

EM Series; Most. This series has the most featured or fully featured including electric start. Designed for portable home backup with exclusive Honda features.

EU Series; Ultimate. Fully featured, quietest, and the most fuel efficient with the most advanced technology. It has outstanding performance, leading technology and outstanding fuel efficiency.

Don’t be caught wishing you had bought a generator the next time there’s a power outage.

There are a number of Honda Generators to choose from that provide voltage regulation to Portable generators are built to remain outside of your home. These mobile units are fu- ensure maximum performance.

EG Series; Good. This series has no com- Glenn’s Repair & Rental eled by gasoline and manually operated. Exten5025 El Camino Real sion cords will make it easier to plug objects promise in quality and is the best value with Atascadero, CA 93422 reduced features. It is rugged, innovative, and directly into the generator.

805-466-2218 durable. Built for the Value Customer. www.glennsrepair.com EB Series; Best. This series has the best fea-

Portable Generators

44 | HOW TO GUIDE