Missoula - How to Choose

1

How to choose

Your guide to everything

Table of contents Credit Union............................ 2

Hotel......................................... 7

Gold Dealer/Coin Buyer........ 12

Dentist.................................... 17

Cremation Service.................. 3

Plumber................................... 8

Physical Therapist................. 13

Venue..................................... 18

Retirement Community.......... 4

Weight Loss Center................. 9

Jeweler.................................. 14

Kitchen/Bath Design............. 19

Podiatrist................................. 5

Hearing Aid........................... 10

Insurance Agent.................... 15

Tires....................................... 20

Financial Planner.................... 6

Adult Continued Education...11

Paint Store............................. 16

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How to choose a

Credit Union In these economic times, many people are finding out that credit unions have a lot to offer. It is a great place to find a financial solution while helping your community.

Credit unions are not-forprofit operations owned by their members. They are not owned by individuals or conglomerates.

Credit Unions usually charge less in fees than for-profit banks. Any dividends go to the members instead of shareholders.

These days, credit unions are a good deal.

They usually offer better interest rates on savings accounts and competitive rates on various loans.

You might get a fantastic rate on a student loan, mortgage, auto loan or credit card.

Also, the federal government stands behind credit unions.

Most deposits are insured up to $250,000.

Research Selecting a credit union is not difficult. The first step is to research those in your community and their membership requirements. Some credit unions are available to employees of specific companies, groups of public service or school employees, but may extend eligibility to anyone willing to follow their membership requirements. You might be asked to join a food coop or other organization in order to qualify for membership.

A simple Internet search is an excellent starting point. Develop a list of credit unions in your area.

Then narrow your possibilities by researching eligibility, services offered and fees charged by each credit union.

Verify the current interest rates on their accounts. If you can’t find the rates online, call and ask them for the percentages Find out if there are any fees associated with the accounts you want to open. As with traditional

savings and loan banks, you might be required to pay a fee if you fall below a minimum balance.

Check about other requirements. You might need to use your debit card a certain amount of times each month.

If you are in the market for a specific loan, research to see if the loan is issued by the credit union.

Once you have found several credit unions that offer that type of loan, compare interest rates and specials to see who has the best deal.

Costs & Convenience Of course, convenience is something to keep in mind. Check for availability of online services, weekday and weekend hours, and the locations of branches and ATMs. You should also understand any fees associated with ATM or debit card usage. If you use an ATM frequently, those charges can add up fast.

Some credit unions belong to a national network of credit unions for shared services. It might mean more access to ATMs and other services in case you move or go on vacation. If you have children attending college in other cities, this can be useful.

Compare Once you have completed your research, make a list of the advantages and disadvantages of each credit union. You can easily compare them.

Upon choosing your credit union, visit the branch so you can understand all of the services.

Learn more about the benefits of membership. With a little research, you will find that a credit union is a fantastic way to avoid the hassles often experienced from conventional banks.

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3

How to choose a

Cremation Service Discussing death with family and friends is never easy. Many people opt not to plan for their own deaths, or they delay asking loved ones about their wishes. Procrastination will not change reality. Take care of details in advance rather than face tough choices while stressed and grieving.

Cremation services are becoming more popular these days.

They can be a costeffective alternative to traditional burials since a casket does not need to be purchased. After the cremation, you will receive an urn in a dignified setting.

You can choose to bury the urn, keep it in your home or place it in a memorial building.

In Montana, cremations must be handled through a funeral home. Most funeral homes have a crematory onsite or have a relationship with a crematory.

Funeral professionals will assist you with planning a memorial service either before or after the cremation takes place. The service

can be a peaceful time to grieve and remember.

Look for a state-of-the-art crematory that meets Missoula County Air Quality Standards.

The Cremation Society of North America is a source for information about cremation.

One of the things to consider when searching for a funeral home is how personal identification is tracked. You or your proxy should be asked to positively identify the deceased. Some facilities place a stainless steel identification disc with your loved one during

cremation. This disc, along with the ashes of the loved one, is returned to the family for peace of mind.

Consider how you feel about the staff of the funeral home. You want to be comfortable asking questions. The employees should be knowledgeable, competent and pleasant. Staff should also give you all of the details about price breakdowns and their process of making ashes for the urn. They should plan for the immediate family to see their loved one before cremation.

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

4

How to choose a

Retirement Community These days, more Americans are remaining active into their retirement years. They are searching for communities that match their lifestyles and goals for relaxed living.

If you are in the market for a retirement community, there are plenty of things to consider. This retirement community will hopefully become your home. It is important to choose a vibrant place, with plenty of parking and recreational activities.

Here are some aspects to consider before making a financial commitment to a living facility: Community Activities and Parking Many senior citizens want to keep their energy levels up during their retirement years. They are more health conscious and see how an active lifestyle leads to a long life. Many seniors enjoy golf, tennis, swimming and walking. Any prospective retirement community should have easy access to such activities.

Other seniors enjoy arts and crafts, board games, dancing and organized activities. Taking part in social events can provide opportunities to make new friends. Research what kinds of social events are organized within the retirement community.

Also, find out if the community has ample opportunities for residents to travel to theaters, museums or shopping malls together.

Parking is another important factor when choosing a retirement community. Most people enjoy having family and friends visit, so parking is a necessity.

Medical Care Facilities Retirement communities should be easily accessible to emergency personnel.

Know the location of the closest hospitals, doctors, ambulance services and other personnel. You may wish to restrict your search to communities located near your preferred physician or other service providers.

Any prospective community should have a formal emergency plan in place. In addition, check to see if the retirement unit has custom safety features, such as railings in the bathrooms and entranceways.

Pet Policies Pet policies are another feature to consider when investigating potential retirement communities. Some facilities will allow you to bring your pet to live with you while others will not. So if you have a pet you don’t want to leave behind, you may be able to bring it with you. Many communities now recognize the health benefits of having pets.

Additionally, a park or nearby dogwalking area will benefit you and your animal companion, particularly if your pet requires daily exercise. Taking a walk each day will benefit both of you.

Churches, Libraries and Schools Consider how close the community is to schools, sports facilities, and other sites that produce a large amount of traffic volume and noise levels. Many

people prefer to live in less congested, quiet areas during their latter years.

Also, think about where the nearest libraries and churches are located, as well as public transportation.

Consideration is also given to places that have their own library filled with a variety of good books. Also check to see if the mobile library comes to the facility.

Ask whether the community provides its own transportation for residents. Some facilities have their own fleet of minivans and buses. It is extremely helpful for seniors who no longer drive and need to do some routine personal shopping.

Centrally located Being centrally located and within walking distance to grocery stores, drug stores, health clubs and schools that offer adult learning is essential to any retirement community. Being located on a bus route is also essential to those seniors who no longer drive.

Service Coordination Service coordinators help senior citizens and their families make sense of the mass of information regarding government programs, health insurance and many kinds of care available for those who need it. They develop knowledge of community systems which help

promote health and independence.

Service coordinators become familiar with the residents in their retirement communities and are frequently the first to realize that a resident is undergoing a change and may need to seek medical help.

With their awareness of the retirement community and the resources that can help its residents, service coordinators are cost savers, sometimes life savers, and certainly promote quality of life and independence. Whenever you are checking out a possible retirement community for yourself, be sure to ask about a service coordinator.

The Community Current residents will give you a feel for their level of satisfaction with the community. Talk to them about their experiences and seek candid reviews of the amenities and staff.

After all, it is important to feel confident that you have selected a retirement community that fits your personal needs and lifestyles.

By taking the time to research multiple facilities, you will undoubtedly find a warm, welcoming facility. You will be able to build lasting friendships and gain the support you need to have fun during your retirement.

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How to choose a

Podiatrist It is hard to ignore a foot problem. While over-the-counter remedies might help with some issues, more serious or persistent problems should be treated by a podiatrist.

These medical professionals specialize in foot or ankle problems, including pain and swelling, psoriasis, pinched nerves and heel pain.

Don’t wait until you can’t walk or the pain keeps you up at night.

Here are some ways you can find a good podiatrist.

Get References Your first step toward finding the right podiatrist is getting references from other medical professionals.

If someone in your social network has had a foot problem, ask them about their experience.

Who treated their problem?

High-quality doctors typically have a large roster of patients who are happy to recommend them.

Check with your family doctor or other medical professional for advice on podiatrists with strong reputations.

Know Their Specialty There are many specialties within the field of podiatry.

It has become more common in recent years for some podiatrists to focus on sportsrelated injuries to the foot. When you have strained or sprained

muscles from playing sports, find a podiatrist who concentrates on diagnosing and treating sports injuries.

Other doctors may help with psoriasis or chronic pain.

Whatever your problem, it can be helpful to know whether your podiatrist specializes in general or specific problems with the foot and ankle.

Payment Check with your insurance provider to see if the podiatrist is covered by your plan. If you are

unsure, call the office and ask which insurance is accepted.

Some providers require a referral from your principal doctor. Be sure to get the paperwork in order before visiting the podiatrist.

If you do not have insurance, inquire about payment plans.

Many doctors are willing to work with patients on a budget.

Personality Every patient is different, and so is every doctor. Not all of them relate to patients in the same way.

Ideally, you should try to find one who communicates well with you, answers questions patiently, solves immediate problems as

quickly as possible and helps you with ongoing care.

It shouldn’t be hard to find someone who is a good fit for your personality. Feeling comfortable with your doctor is key to regaining your health.

Convenience Finally, look for a podiatrist with convenient office hours and location.

The office should be close to where you live or work. You may need to continue treatment for weeks or months. It is difficult enough to travel if you have a foot problem. Don’t make it even harder by selecting a podiatrist who is not in a good location.

Also, the doctor’s hours should work well with your schedule.

Some podiatrists have practices in multiple locations, each of which may be open for only a few days a week. Others offer extended hours on weekdays for working people. A doctor who takes his patient’s lifestyle into consideration might be a good fit for you.

Ankle and Foot Care Clinic

Proudly Serving Western Montana for 25 years.

Treating all surgical and non-surgical aspects of the foot and ankle.

Compassionate, gentle, skilled and respectful care to get you back on your feet and active again!

• Foot and Ankle Pain • Heel pain • Plantar fasciitis • Foot and Ankle Skin Conditions • Running injuries • Tendon problems • Sprains • Foot or Ankle infections

• Ankle Surgery • Foot Surgery • Wound Care • Diabetic Foot Care • Ingrown toenails • Orthotics • Sports Medicine • Injuries

• Skin and toenail issues • Warts • Corns/callus • Hammer toes • Bunions • Bone spurs • Arthritis

Currently scheduling patients with all insurances and those without at both the Missoula and Polson clinics.

Same-day appointments available at the Missoula clinic for Urgent Care Services

Dr. Flynn Sherick

grew up in Missoula and graduated from Sentinel High School. His undergraduate work was completed at Montana State University and then he graduated from the California College of Podiatric Medicine.

He completed his clinical rotations and surgical residency in the San Francisco area. He is licensed in ankle and foot surgery, and is a Fellow of the American College of Foot & Ankle Surgeons and a Diplomat of the American Board of Podiatric Surgery. He has been practicing in Missoula for over 25 years. When not treating patients he is an avid fly fisherman.

Dr. Michael Reed

grew up in Michigan and then did his undergraduate studies at the University of Montana and went on to podiatric medical school in Chicago and his surgical residency in Salt Lake City. Dr. Reed practiced in Anchorage, AK for 2 years and has been seeing patients in Missoula with the Ankle & Foot Care Clinic for two and a half years. Dr. Reed practices at our main office location in Missoula and has a satellite clinic in Polson at St. Joseph Medical Center. He enjoys fishing and camping with friends and his wife Leland and two children James age 4 and William almost a year old.

Drs. Flynn Sherick and Michael Reed www.ankleandfootcareclinic.com • 721-1171

2831 Fort Missoula Road, Suite 302 | Physician Center #2 | Missoula St. Joseph Medical Center | Polson

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How to choose a

Financial Adviser You don’t need to be rich to have a financial adviser. These professionals are trained to help you become rich, or at least use your money wisely.

A great financial planner will teach you how to manage household expenses, pay the lowest taxes possible and how to plan for retirement. He or she will also tell you about handling investments. They can guide you through unstable economic times.

Not everyone has the same financial goals. A good adviser will help you plan for your future.

To find a reliable financial adviser, start by asking your social network. Friends and family may have some suggestions. Remember to research each adviser with an eye toward your own situation and goals.

Once you have a list of three or four possibilities, look closer at each option. It might be a good idea to pick a financial adviser who is a certified financial planner.

Someone with certification has completed specialized training and passed rigorous exams.

Once you have discovered each adviser’s qualifications, contact the certifying organizations to find out if there have been any complaints against each professional. If so, find out how the complaints were resolved.

Financial planners sometimes receive awards. If any of your considerations have been recognized, contact the awarding organization and verify that the planner is telling the truth. Ask what qualifications were met to receive the award.

Then request a list of satisfied clients who have goals comparable

to yours. Contact them to talk about their experiences.

Areas Of Expertise Financial products can contribute to your well-being and peace of mind. Some common investing tools include bonds, mutual funds, stocks and commodities.

Weighing risk is essential.

Some products will undoubtedly be better for your portfolio than others. An experienced financial adviser can customize a portfolio especially for you.

You can also do some research to find a segment of the market that might be a good fit for your situation. Then, look for an adviser who specializes in that investment.

For example, if you want to invest in commodities, your potential adviser should have experience in that market. If he or she doesn’t, then cross that person off your list.

Rate Of Success Success rate will also play a prominent role in your decision.

Look at the rate of success for each adviser. Has the rate of return on his recommendations outpaced the average market rate of return over time? An adviser with a solid rate of return conducts research to

strengthen his clients’ portfolios.

During tough or stagnant economic times, experience will play a vital role. Has your adviser weathered previous economic slowdowns? Do clients thrive in bleak environments? Or have clients taken multiple hits to their portfolios?

You should be wary if clients appear to be doing too good during tough times. Someone with an extraordinary success rate might be too good to be true.

Fees Or Commissions Inquire about how your adviser is paid for services. Most offer fee-based or commission-based services. Method of payment will greatly influence your selection.

A commission-based adviser is prone to suggesting financial products that offer a professional commission, and so might needlessly increase your exposure to risk. Only use a commissionbased adviser if he or she has a proven track record of success and also has your best interests in mind.

When you need someone who puts your best interests first, go with a fee-based adviser. He or she will be compensated only for the time spent on serving your portfolio.

No Time

Interview Once you have narrowed your prospects to two or three possibilities, schedule a meeting with each professional. During this consultation, communicate your goals honestly and clearly.

A financial planner should be someone who will guide and inform you. He or she will continually increase your knowledge about your current financial situation and how to improve it.

Put It In Writing Once you have narrowed your list to one or two advisers, ask each one to write a plan for moving you from where you are to where you want to be. Get a written copy of this proposal.

This document should have your short-term and long-term goals, and also state who else will profit from the proposal. The plan should be written clearly so you completely understand it.

Once everything has been completed to your satisfaction, you can choose a financial adviser.

Then you can comfortably relax and know that your money and future are in good hands.

www.edwardjones.com

Like the Present

to Keep Your Future on Track

Lots of times, changes in life also affect your investments. That’s why there’s never been a better time to schedule your free portfolio review. We’ll talk about the changes in your life and help you decide whether it makes sense to revise your investments because of them.

A portfolio review will help ensure your investments are keeping pace with your goals. Call your local financial advisor today.

Jeff Twohig

Financial Advisor 1215 S Higgins Ave Missoula MT 59801 406-542-8790

Gary K Smith, AAMS Financial Advisor 1200 S Reserve St Suite E Missoula MT 59801 406-542-9877

Adam A Bucy, AAMS

Financial Advisor 730 S Higgins Ave Missoula MT 59801 406-542-8230

Jeff Ricklefs

Financial Advisor 400 W Broadway Suite 103 Missoula MT 59802 406-542-4799

Rachael M Morawski, AAMS Financial Advisor 3075 N Reserve St Suite H Missoula MT 59808 406-541-3216

Tom Katz

Financial Advisor 237 SW Higgins Ave Suite B Missoula MT 59803 406-721-8291

Willa Carr Lande, AAMS Jeremy T Kientz, AAMS David A Rosulek, AAMS Financial Advisor 400 W Main Street Suite 205 Hamilton MT 59840 406-363-1140

Financial Advisor 1716 N 1st St Suite A Hamilton MT 59840 406-363-6645

Financial Advisor 104 Tyler Way Lolo MT 59847 406-273-2595

Eivind Gjetmundsen, AAMS Financial Advisor 3700 S Russell Street Suite 118c Missoula MT 59801 406-728-0592

Olin J Ravenscroft

Financial Advisor 3972 Hwy 93 North Suite G Stevensville MT 59870 406-777-1436

Susan Colyer

Financial Advisor 1821 South Ave W Suite 102 Missoula MT 59801 406-549-9340

Kyle K Krueger Financial Advisor 104 Tyler Way Lolo MT 59847 406-273-2595

member SIPC

7

How to choose a

Hotel

Staying at a hotel is a great respite away from stress or your familiar routine. With great amenities, gorgeous scenery and room service, you can use time to simply lie on a bed and relax.

Or maybe you are searching for a place to stay during a family vacation, business or road trip. Perhaps you are in-between homes and need temporary accommodations.

Whatever your reason for staying in a hotel, you should be careful in your decision-making process. Pick a hotel that has a perfect combination of cleanliness, fun amenities and superior customer service.

Here are a few guidelines to help you choose your hotel: Search Conduct an online search for all hotels that are in close proximity to where you will be.

If you have a meeting in a city, for example, you should look for hotels in the area of your destination.

When you are simply looking for a vacation hotel, be sure to look for a facility in a central area.

It is likely that there will be many hotels in your desired area.

Choose the five closest hotels. That way, you will not have to drive or walk far to reach your ultimate destination.

Amenities The next thing to consider is the amenities. Visit the websites of each hotel you have chosen and look at the features and services.

If you are staying for one night, you might be looking for a quiet spot to sleep. But every hotel offers different amenities. If you are staying for several days, you might want free access to a fitness center.

Other places have a continental breakfast at no extra charge. Look for free services, such as cable television with movie channels,

kitchenettes, refrigerators and gaming consoles. And of course, free Wi-Fi is a must.

Prices Your budget will play a huge part in your decision. Research a few locations to see which hotels offer the services you want for the least amount of money.

You might be qualified for a discount. Hotels and resorts often offer discounts to people who are in the military, have

AAA memberships or are senior citizens. If you are on a business trip, your employer may have an arrangement with selected hotels to provide a discount for employees.

Either way, booking online is also likely to be cheaper than calling the front desk directly.

Reviews Customer reviews will give you important insight on specific locations. Let the reviews guide

you on how you will spend your money.

The more reviews you read, the better. It will give you a balanced assessment of a hotel. Previous customers can answer questions about the friendliness of the staff and the condition of the rooms.

Former hotel guests are typically unafraid of talking about negative experiences at an establishment.

These reviews could serve as a prediction of how the hotel staff will treat you. When you see a significant amount of negative comments and ratings, remove the hotel from your list.

Selection Pick the top two hotels from your list. If possible, visit them so you can get a feel for the establishment. If they are part of a chain, you could visit another branch facility and ask questions.

The concierge and staff should be happy to talk to you. Some of them may have even stayed at the hotel on your list.

After you have taken all the necessary steps, make an informed decision. The extra time and effort will ensure a pleasant and fun stay.

After all, your hotel serves as your home away from home.

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49708 HWY 93 East, Polson MT 800-882-6363 • www.kwataqnuk.com

8

How to choose a

Plumber Any homeowner will tell you that plumbing issues are a nightmare. They can become a major problem in old or modern houses. Sometimes you can use a plunger or liquid product to unclog a drain.

If you are experiencing chronic problems, you will need to call a professional. The issues may be far bigger than you can handle on your own. A professional plumber can determine if your septic system or equipment needs to be serviced or replaced.

A competent, experienced professional will ensure that your house stays comfortable and sanitary. Here are some tips to help you find the best plumber.

Choose Ahead of Time Start your search now, before something bad happens.

Waiting until you have an urgent need is a common mistake.

Emergencies leave you open to dealing with unscrupulous people.

There is also a good chance that you will pay too much for their services.

As soon as you can, begin your search for a plumber to service your home.

Ask for Recommendations Friends and family members may be able to refer you to an

Compare Prices Cost should always play a role in picking a plumber. Contact at least three different plumbers to get an idea of the differences in labor and material costs. They should be able to provide you with estimates for different services.

It is vital that you find a professional who knows what he is doing. Whatever you save up front could turn into extra expenses down the road if the work isn’t done correctly.

excellent professional. Good word-of-mouth recommendations are the best way to find excellent service. Look for people in your local area. Sometimes, plumbers may charge extra if you are not in their designated service region.

Search Online Consider looking online for a good plumber. Just remember that information on the Internet is not always correct.

Be mindful of who is giving a stellar customer review. Look closely for complaints about shoddy work or high prices.

Dissatisfied customers are more likely to talk about their experiences. Of course, one person’s bad experience may not accurately reflect what you can expect. Look for multiple reports from different sources before drawing a conclusion.

Ask Questions Asking questions is the best way to form expectations. Not only should you understand labor rates, but you should also know if there are any guarantees on work. Find out how long the plumber has been in business and where he received his training.

The bottom line is that you need to hire someone who cares about their customers and their homes.

Conducting a thorough search before an emergency will prevent you from being disappointed.

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Thomas Plumbing & Heating | 2327 South Ave.West

9

How to choose a

Weight Loss Center Obesity is a common problem in our country. For many Americans, it is a threat to their health. Extra weight will shorten your lifespan and create a myriad of physical problems.

Losing weight is a challenging process, requiring self-discipline and dedication.

When you need help dieting, a weight loss clinic or practitioner with advanced training in Obesity Medicine may be the answer.

Trained professionals can educate you on good nutrition, keep you motivated and set a realistic weight loss goal. They will answer your questions and provide accountability.

Each clinic has its own approach. Selecting the right program will help you reach your weight loss goals.

So many diets create glamorous advertisements using famous people, but that doesn’t mean their plan is the best one for you. Here are some ideas to help you find the best weight loss clinic to meet your needs.

Research and Visit First off, research local weight loss clinics and practitioners.

Visit their website because it will give you a good idea about price points and programs. Do you have to purchase special meals?

Are meetings and appointments required? Make sure these commitments are convenient for you. Think of other information you may need. Many clinics provide online courses, while others hold public weigh-ins.

Decide what is comfortable for you.

Once you narrow down your choices, visit each facility. Observe the way staff members talk to clients. All employees should be courteous and competent to everyone, not just potential or new customers.

If you have questions, bring a notebook and pencil to take notes.

Plans and Referrals Although each clinic will seem as though it has the only plan that works, you must determine if it is the best program for you. Read what others write about the various diet programs.

It will help you to know what others have experienced. Always

remember, however, that what works for one person might not work for another. Keep your personal requirements in mind.

It should be possible to speak with existing clients about their experiences. Ask the clinic staff for referrals. Clinics with good reputations will be happy to provide you with such a list.

Previous clients are often willing to talk about their own experiences, negative and positive. You can also find out if they kept the weight off.

A good weight loss clinic will have a follow-up system to assist you in maintaining a healthy life.

They should be able to give you their success rate.

Clinics offer different levels of

support, such as motivation and nutritional assistance. They might also have stress management techniques that can assist you with lifestyle changes.

Do not register with anyone until you check them out with the Better Business Bureau and online reviewers. Understand each clinic’s cancellation policy.

If possible, ask for a trial membership. Many weight loss clinics allow trial periods. It offers you an opportunity to try their system without making a financial commitment.

Private practitioners will need to see you for a routine assessment and bill for the visit.

Use your time at the clinic wisely. Create good nutrition and exercise habits. You are not only there to lose weight, you are developing a healthy, lifelong lifestyle.

In the end, a good weight loss clinic can go a long way toward helping you succeed. It is easy to stick with a plan when you have the assistance and support of caring staff. Whether you need to lose a small or large amount of weight, it is important to find a safe, effective way to achieve your goals.

Kay Jennings, APRN Family Psychiatric Mental Health Advanced Certification in Obesity Medicine Master Psychopharmacology Certification

Special Areas of Interest: Weight Loss and HCG Inflammation Vitamin D Deficiencies

Eating Disorders Metabolic Risk Functional Psychiatry

2685 Palmer St St. Suite S it A Mi Missoula, MT 59808 (406) 721-2537 www.alephmt.com

10

How to choose a

Hearing Aid Hearing loss affects more than 40 million Americans. People of all ages and backgrounds experience hearing impairment or loss.

Many people seek out hearing aids to help relieve the serious consequences of this condition. As a result, they lead richer, fuller lives.

These devices are highly technical, and customized to meet each individual’s needs. Types of hearing loss vary widely, and are sometimes quite different from person to person.

Innovations in hearing aids include digital processors, which isolate and amplify the frequencies a patient needs most. Many of the latest hearing aids are so small they are practically invisible.

Styles The good news is that you no longer need to purchase bulky, obvious hearing aids of yesteryear.

The most popular hearing aids on the market fit completely within the ear canal. They are attractive and barely noticeable. Hearing aid size does not necessarily drive cost. The technology and level of hearing loss are what will drive cost.

Other styles include half-shell, full-shell, behind-the-ear, and open-fit hearing aids.

Because these hearing aids come in a range of sizes and prices, consult with a specialist to help you choose the right style to fit your needs.

Internal Electronics

The design of a hearing aid will make a large difference in cost and performance. Two devices may look similar but produce dramatically different results.

The difference is in the internal electronics. Nearly all hearing aids available today are digital.

They will filter out background noise, enabling the wearer to hear a conversation clearly. This

technology is particularly effective in crowded settings.

This technology can be tailored to help with your particular kind of hearing loss. If you have an outdated hearing aid, consider upgrading to a more modern device. You will help you hearing be as close to natural as possible.

Options When you are searching for

a hearing aid, look for special features that will enhance your hearing and your life. Some examples include: BLUETOOTH CONNECTIONS: You can connect wirelessly to Bluetooth electronic devices, such as smart phones. It allows you to hear phone conversations directly through your hearing aid.

TELEPHONE ADAPTERS: This feature senses when you are talking on the phone, and adjusts the setting to make it clearer during your conversation.

DIRECTIONAL MICROPHONE: You can adjust your device to pick up sound that is directly in front of you. For example, when you are having one-on-one conversations with a person, it is useful to turn up the microphone to improve your hearing. You may also change the setting to a more general setting that would be useful at public performances or concerts.

REMOTE CONTROL: Some devices allow you to adjust the settings without touching them.

A remote control can change the directional microphone or amplification.

HEARING AID INSTITUTE CELEBRATING

70

YEARS

Serving our community since 1944.

Providing Exceptional Customer Service for Your Custom Hearing Solution Hearing Aid Institute is celebrating 70 years in business. While 70 years is impressive, what is even more notable is that the company currently has three generations of the same family working at providing the best hearing solutions to those who have experienced hearing loss. Our commitment is to work with our clients to get you the best results.

Hearing Aid Institute is a family operated business. The Van De Riet family has been serving the hearing needs of Montana for over 45 years.

Mike Van De Riet

25 years of commitment to his clients

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11

How to choose

Adult Continued Education No one stops learning. It is a lifelong process.

Continuing education can introduce you to new skills, ideas and maybe even a different career.

Schools and universities around the country offer a wide array of courses for adults and recent college graduates.

When you want to update your skills or your job requires ongoing training, continuing education can be a smart choice.

Required Training When you need to fulfill a training requirement for your career, continuing education can be particularly helpful.

In the medical industry, for example, you might need training to understand new developments and techniques.

If you need courses for this reason, ask yourself two questions: Does the course fill the requirements, and it is convenient for your schedule?

Make sure the course will fulfill your obligation. In many cases, the instructor’s background and

course curriculum need to be very specific in order to earn or renew a certification. Verify with your employer to be certain you have the right course.

Many adult education courses are offered on nights and weekends so that working people can attend.

Some programs also offer online or correspondence options. This

can be a good option if it fits into your lifestyle, but not everyone is a good fit for online training.

You must be motivated and show initiative in order to complete the assignments. However, it is an increasingly common option because it is convenient, flexible and often more affordable.

Personal Enrichment Anyone who has ever wanted to learn a new hobby, computer skill or sport can jump-start that interest through continuing education.

It is a fantastic way to enrich your life without breaking your budget.

Rather than spending thousands of dollars in tuition at a university program, you can spend a few hundred dollars to take courses that pique your interest.

Begin your journey by finding all the continuing education courses offered in your area. They might be at your local civic center, chamber of commerce, or college.

Look at the schedules and prices for each course. Highlight the ones you prefer.

Then sign up and attend the class.

It really is that simple. Soon you will be making new friends and learning skills. The rewards will extend beyond the classroom.

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12

How to choose a

Coin Dealer/Gold Buyer Collecting coins is a fascinating hobby for all ages. A coin is an excellent way to learn about history and can also be a great investment if you purchase coins that increase in value. But it is not a simple hobby because of all the factors that impact the value of each individual coin, from its history to its quality and scarcity. If you are considering starting a coin collection, here are some things to keep in mind.

First, research is important for coin collectors. Thankfully, there are lots of books that can help you understand what you are buying or selling. Coin shops and the local library have books that can help you get started. It is important to learn what you like and discover as much as you can about a coin before acquiring it.

You don’t need to have a lot of money to start. Check your pocket change for different dates and mint marks or different state and national park quarters. If you have inherited coins, or have received them as gifts, educate yourself on their background.

Coins with certain dates and mint marks are rarer than others. These factors contribute to the value of a coin.

Knowing how a coin is graded is essential if you collect coins. This system assigns a value based on the coin’s condition. Never clean your coins, although novices are often tempted to polish their coins. Cleaning or polishing a coin can destroy its value by removing the original finish.

Real collectors prize coins that are as close to their original condition as possible.

Asking questions is the best way to learn. Even long time collectors will have questions and need answers. Your local coin shop can help you and/or

refer you to someone else.

Most areas have coin collector clubs that can be found online.

Develop a relationship with your local coin dealer.

Visiting can be a fun way to spend time, and once a dealer gets to know your interests, they can call you when something comes in that they know you would be interested in.

Buying Gold and Silver Bullion Whether you are buying one ounce or 100 ounces of precious metals, you need to know the basics. Traditionally, precious metals have been used to store wealth in good times and bad.

Precious metals are weighed in troy ounces not avoirdupois ounces (used to weigh food, people, mail, etc.).

There are 28 grams in an avoirdupois ounce and 31.1 grams in a troy ounce.

Most precious metals are sold in bars or coins typically ranging from 1 gram to 100 ounces and are stamped with the weight and purity (e.g. 1 Troy ounce, .999 fine). For many people,

buying in increments of one ounce is the most economical. If you buy metal in fractions of an ounce, the premiums are generally higher. Pricing is often based on spot prices linked to the stock market.

Popular gold, silver, platinum and palladium coins such as U.S. Eagles and Canadian Maples are minted at national mints. Other well known, private mints currently produce or have produced both bars and coins.

Additionally, U.S. coins, dimes, quarters and halves from 1964 or earlier contain 90% silver (0.715 oz. per dollar face value).

When you are ready to invest in precious metals, you will want to find a dealer you can trust and who has been in business for many years. While lower prices can sometimes be found elsewhere, you will usually get better customer service and competitive pricing at a local dealer.

Selling Scrap Gold and Silver In recent years, interest in selling

gold and silver has increased sharply due to higher prices. A growing number of Americans are selling broken or unwanted jewelry, gold or silver necklaces, rings and other items for quick cash. But this popular trend has been accompanied by less scrupulous people who lack experience in determining the proper value of these items.

Jewelers typically pay with store credit, but precious metals dealers are more likely to pay for the metal only and not the stones. Fly-by-night operators will often offer far less than the melt value of the gold in these items, counting on your lack of knowledge. Infomercials have also flooded the airwaves with ads offering “immediate cash for your unwanted gold.”

Always exercise caution when selling gold or silver. The purity of gold affects the price you will get.

Remember, when the dealer weighs your scrap, it will be based on troy ounces (not the same as your scale at home).

Take your items to more than one reputable jeweler or precious metals dealer in your area for their opinion. It pays to use a local business. There are many reputable gold and silver buyers doing business today that will pay you for the market value of your piece.

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13

How to choose a

Physical Therapist Physical therapy helps alleviate pain and promotes wellness. It focuses on treating musculoskeletal disorders, orthopedic pain, and neurological conditions such as a stroke, MS or Parkinson’s disease. It can teach you how to perform every day activities and hobbies without pain. Physical Therapy also helps treat balance disorders, vertigo and dizziness and helps people recover after surgeries.

For example, people with back pain can receive physical therapy to strengthen the core muscles in their back and abdomen. Not only will they feel better, patients may also emerge from physical therapy with a restored, functional body. People with degenerative disc problems in their backs will benefit from a physical therapy regimen as it helps ease pressure and pain in their lower back.

Normally, a problem like this requires surgery, but physical therapy can help patients regain full range of motion.

Most patients visit physical therapists for chronic pain from injuries or if they recently underwent surgery. People with pain in their backs, knees, neck, shoulder or other joints can receive benefits from finding a physical therapist.

Physical therapists also provide the best remedy for other injuries.

Someone with a reattached finger will need to practice with a physical therapist to regain feeling and movement. A person who has been incapacitated for an extended period may need physical therapy to regain their functionality.

Insurance companies often agree about these benefits. Most companies require patients to try physical therapy before turning to expensive surgery to fix the problem.

In fact, physical therapy can actually negate the need for surgical treatment.

If surgery is required, physical therapy might serve as part of the aftercare and recovery process.

In some cases for outpatient physical therapy insurance companies may have limitations on who you can see. You may have to choose a therapy that is in-network, rather than out-ofnetwork. Your insurance may also limit the amount of visits they cover.

Once you have narrowed your search to a few potential candidates,

inquire about the physical therapist’s previous work history. Don’t be afraid of asking directly about their success rates and potential problems.

Also, contact your state board of physical therapy to see if any complaints have been filed against the professional you are considering.

The best physical therapists will provide emotional support as well.

Treatment and recovery is very hard work, especially for patients in severe pain. When you feel exhausted, the physical therapist will provide

motivation. They will not allow you to make excuses. Instead, a physical therapist will push you to your limits, which will aid in your full recovery. The therapist will inspire you to regain your full independence; this is especially important for elderly people who have problems getting around on their own.

It is vital that you feel comfortable with whichever physical therapist you choose. This professional may have to examine sensitive areas of your body to check for swelling or heat. They may also massage your muscles as part of therapy. You should feel at ease and safe during this process.

The physical therapist will likely provide you with follow-through exercises at home. It is very important you act on her recommendations. It will help you recover faster.

With the assistance of a good physical therapist and your own hard work, you can often make recover fully and enjoy life again.

Your physical therapist will examine you and develop a plan of care using a variety of treatment techniques that help you move, reduce pain, restore function, and prevent disability. Your physical therapist can also help you prevent loss of mobility and motion by developing a fitness – and wellness – oriented program tailored to your specific needs.

If Your Activities Are Limited By Dizziness Or Imbalance Call us

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14

How to choose a

Jeweler Choosing the right jeweler is important when it’s time to buy an engagement or anniversary ring, graduation or birthday gift, or a gift for any special occasion. Don’t just settle for anyone. Choose a qualified, reputable, local jeweler who has been in business in your area for many years. That is the strongest indication of quality merchandise, expertise, and strong customer service.

How do you pick the best jeweler in your area? Finding someone with excellent skills and reputation is the first thing to consider. Do not make the mistake of basing your decision on cost alone. While the cost is certainly important, jewelry is also a long-term personal investment.

Choose a jeweler that offers local on-site repair service and doesn’t need to send your jewelry out of state. That way, you can discuss the repairs needed with the actual person doing the work, and not a remote salesperson who may be unqualified for the job.

Choose a jeweler who offers reputable appraisal services.

Insurance coverage for jewelry is usually an additional premium on homeowners or renters insurance. Most insurance carriers will only pay the appraised value or purchase price for lost or destroyed jewelry. They do not pay replacement cost. With the price of gems and precious metals increasing rapidly, it is wise

to have your jewelry appraised for insurance purposes at least every three years or even more frequently. Many insurers require periodic reappraisal of jewelry.

People often regard their jewelry as a kind of financial or sentimental investment for family members and loved ones. Jewelry symbolizes more than just a dollar

amount to the person wearing it.

Deeply personal and emotional connections with jewelry are common; the piece becomes part of the owner. The best jewelers understand the emotional bonds symbolized by quality jewelry, care for it accordingly, and are sensitive to the needs of each customer.

While discount stores may offer

unbelievable prices, remember that if it seems too good to be true, it probably is. Inexpensive prices are an indicator of lower-quality gemstones and metal components with lower purity. Ask if the gemstone has been enhanced or lab-created. Choose a jeweler who does not sell drilled-and-filled or other types of enhanced or labcreated stones. The prices on such gems are relatively inexpensive, but the value will not increase over time as with natural gems.

Doing business with a jeweler you come to know and trust will make a big difference over the life of a quality piece of jewelry.

Anyone can sell jewelry. Malls across America are filled with jewelry stores, but a dedicated professional local jeweler doesn’t just sell precious metal and gemstones. They sell personal connections with their customers.

They will be around not just for the sale, but for all of the necessary services in the future.

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15

How to choose an

Insurance Agent 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. Make sure it is someone who is willing to sit down and explain your coverage options.

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.

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. A great way to check out a company’s reputation is by asking auto repair shops and restoration companies.

They see the claims side of companies each and every day and can let you know who is easy to deal with during the claims process.

Find out if the company has local claims representatives or how accessible the agent or staff are during the claims process. Dealing with a claim over the phone or internet may prove daunting.

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 to see how long the company has been doing business and how much experience the agent has. Equally important might be the agent’s community involvement. Do they invest their time and talents in making the community better?

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.

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. Will you be handed off to a service team in another division and never see the agent again, or does the agent

have service staff that keeps them up to speed on policy changes that you make? Keep in mind that your agent might not be available for simple changes like adding a car or billing changes, but you do want them to know what is happening with your account, and you want access when big questions come up or things go wrong.

Also, is your agent willing to conduct annual reviews of your insurance programs? Things change, and you will want those differences reflected in your coverage.

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.

Lastly, many agents are licensed and skilled in insurance and financial services. It may be convenient to have your asset protection (insurance) and retirement resources together with one firm. Make sure they are licensed and adequately trained in both areas.

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

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Property-casualty insurance products offered through Mountain West Farm Bureau Mutual Insurance Company •Laramie, Wyoming.

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16

How to choose a

Paint Store Paint is one of the best ways to update the look of your house without breaking your budget.

A coat of fresh paint on the walls can change the atmosphere quickly and easily. Whether you do it yourself or hire a professional, finding a great paint store is a key part of the process.

Keep these aspects in mind when choosing a paint store: Selection You can choose from an enormous variety of paint colors and textures. Oil-based and latex paints are available in a wide range of finishes and compositions.

They are also available in different grades.

Cheaper paint may be thinner, messier and harder to apply than its thicker, premium competitor.

You will also have to determine if you want to work with a primer.

Some brands require specific primer, while other brands have products that are “paint and primer in one.”

A good paint store will have far more than just one line of products. They will stock paint designed for concrete floors, industrial paints that can withstand certain temperatures or chemicals, and paints that will reduce mold growth.

It may seem overwhelming, but more choices will give you better results and hold up over time.

Knowing your specific priorities

should be able to offer you expert advice on all aspects of your project, from product selection to prep work and clean-up.

and considerations will help guide you toward the right paint for your project.

Help Don’t be afraid of getting expert advice. Even the most experienced housepainters sometimes need guidance.

That’s where a quality paint store comes in.

Not only will the best stores sell good products, but they will also

have staff who are ready to offer suggestions and recommendations for your particular situation. They are very knowledgeable about their products.

They should also offer tips on how to apply the paint. You can spend money on high-end paint products, but applying them incorrectly will give you terrible results.

The paint store you choose

Design With so many color and style selections, a good paint store can offer design advice for getting the look you want.

When it comes to paint, there are endless possibilities, and the best paint store staff will help you navigate through the selections.

They will know the latest style trends and offer recommendations for color palettes that work well together. If you bring them a fabric swatch, they should be able to create a duplicate color in paint.

Choosing the right paints and accessories takes experience and– quite often—some trial and error.

Be certain to get prices for mixing sample colors up front. Don’t be afraid to put small quantities of these sample colors on your walls to test out your design. Once you’ve selected the right colors, go back to the store to purchase larger quantities of the paints to complete your project.

BUY 2 GET 1 FREE ON OUR PINT SIZE SAMPLES. Offer ends October 4th

1605 South Ave W, Missoula 406-549-7802 Monday - Friday: 8:00AM - 5:30PM Saturday: 9:00AM - 1:00PM • Sunday: Closed

17

How to choose a

Dentist Choosing the right dentist will help you maintain your health and the appearance of your smile. Whether you need a routine cleaning or a complex dental procedure, finding the right dentist will save you time and money.

Start your search by asking your social network for recommendations. Friends can be a great resource. Odds are that if they like their dentist, you will like them too. Look for dentists who are members of your clubs, place of worship, or recreational organizations. Having mutual interests with your dentist makes visits much more comfortable.

Check the state dental licensing board to make certain that that the dentist has a current license and a degree (D.D.S. or D.M.D.) from a reputable U.S. Dental school.

Membership in professional organizations like the American Dental Association (ADA) or Academy of General Dentistry (AGD) shows commitment to keeping up with advances in the profession. These organizations have websites with lists of member dentists that you can search.

Once you have gathered a list, start making calls. The professionalism of the receptionist on the phone says a lot about the clinic. Do not call around asking “How much for a crown?” That is like calling a tire store and asking “How much does a tire cost?”

There are many possible answers to that question.

Ask if the dentist provides emergency services. If you break a tooth or are experiencing dental pain, you want treatment right away. A true dental emergency exists if you have oral swelling or have a tooth knocked out. In this case you need a dentist right away. Make sure their office hours accommodate your schedule.

If you are currently covered by

dental insurance, you may want to contact your insurance company to find a dentist in your network.

Even if your insurance doesn’t have any local network dentists, don’t let that stop you from seeing a dentist. Most dentists will at least file an insurance claim for you even if they aren’t in your network.

Many very popular dentists are “Independent” which means they are not in any insurance networks.

You don’t have to have dental insurance to see a dentist. Most preventative services are very affordable. Dental insurance has limited benefits and a yearly maximum amount. Most patients who wait until they have insurance

to see a dentist often need much more dental work than their insurance will pay for. Seeing a dentist sooner can actually save you money.

Many dentists offer discounts for payment in full at time of service with cash or check. Dental financing programs are also very common.

Be cautious of dental chains.

They are often cheaper up front—especially if they are in your insurance network—but chains can cost much more in the long run. These large corporate dental groups are managed by executives and the dentists are just employees with very little control over the quality of care they are able to provide. Routine treatment complications that an independent dentist will often resolve at no charge can cost you thousands of extra dollars at some corporate chains.

When a dentist meets your requirements, visit the dental clinic. If you like the clinic, schedule a new patient comprehensive exam. This is a great opportunity for you and your new dentist to get to know each other. Your dentist should be willing to answer all of your questions and tell you about treatment options. A good dentist will help you feel comfortable during your visit. If you feel like the dentist is too rushed and doesn’t have time for you, find another dentist. This will cost more initially but it will save you money later. Make sure you always feel like you are in control.

Some people are afraid of dentists. If you have any specific concerns, communicate with the staff and dentist ahead of time. A great dentist is willing to go above and beyond to help you work through these issues.

Healthy teeth are extremely important to your overall health.

In addition, having a healthy, beautiful smile leads to confidence and a richer, happier life. Finding a good dentist is like finding a friend who consistently brings out your best smile.

At Family Dental Group, we’re

Smiles for Miles!

Appointments available evenings and Saturdays

Independent Dentists Since 1983

(406) 541-2886

Southgate Mall (Next to Dillards) Missoula, Montana 59801

www.MontanaSmiles.com

18

How to choose a

Venue Anyone planning a special event, such as a wedding, concert or fundraiser will understand the importance of finding the right venue.

You don’t want to deal with a large crowd on your property. Hosting a major event at your home or office will be a hassle. A classy, well-equipped venue can make your gathering a success.

Here are a few things to consider when choosing a location for your special occasion.

Less Stress Event planning is stressful. You will need a venue that lowers your anxiety level before and during the event. This is especially true of weddings. Whether you or a friend is getting married, you will need an experienced venue staff. The employees should treat you and your guests with respect and grace.

Venues can be very helpful with event planning. Top-quality venues regularly do business with many vendors. They can give you advice on finding other vendors in your area. They might be able to assist you in the planning phase, which can help you relax as you plan for the big day.

Call The Shots On the other hand, you should control the entire process. Be sure the details are meeting your expectations.

When you feel a venue is

Read your contract carefully.

Unless you are on a very tight budget, look for a full-service venue that will set up and tear down as part of their pricing package.

pressuring you or even making decisions without your consent, end the relationship. You need people who will work with you, not people who only consider what is easiest for them.

The theme, style and decor of the event should be your choice. Leave the smaller details to the venue’s staff and management. Doing so will free you up to focus on

important aspects of the occasion.

Included Services Every venue is different when it comes to services. Some places offer hardly any services, while others help you set up and clean up. Placing tables and chairs is time-consuming. Taking down decorations and equipment afterward can put a sour ending on a fabulous day.

Technical Needs Your event might require special technical needs.

For example, sound and lighting is vital for a musical event. The venue should have the right electrical and audio connections, as well as places to route and hide cables safely.

Weddings can also be a technical challenge. The band or DJ will need to have clear sound and a dance floor. Wedding photographers might have preferences about where backdrops and special lighting will be placed.

The best venues can help you have a successful, stress-free event. Finding the right place to experience your special occasion will be memorable for you and your guests.

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MICHEL/VICTOR ROOM

• Banquet style (with buffet line) seating has a capacity of 144 people • Rounds of 10 style seating has a capacity of 90 people • Theater style seating has a capacity of 180 people • Classroom style seating has a capacity of 100 people • Conference style has a capacity of 34 people

ALEXANDER ROOM

• Banquet style (with a buffet line) seating has a capacity of 96 people • Round of 10 style seating has a capacity of 70 people • Theater style seating has a capacity of 120 people • Classroom style seating has a capacity of 75 people

CHARLO ROOM

• Banquet style seating has a capacity of 36 people • Rounds of 10 style seating has a capacity of 30 people • Theater style seating has a capacity 32 people • Classroom style seating has a capacity of 18 people • Conference style seating has a capacity of 20 people

KOOSTAHTAH ROOM

• Banquet style seating has a capacity of 36 people • Rounds of 10 style seating has a capacity of 30 people • Theater style seating has a capacity of 32 people • Classroom style seating has a capacity of 18 people • Conference style seating has a capacity of 20 people

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19

How to choose

Kitchen/Bath Design When you want to remodel your kitchen or bathroom, there is no need to feel overwhelmed. Simply focus on three key factors; function, attractiveness and budget. It is always more cost effective to do things right the first time, so don’t be afraid of getting expert advice or seeking help from a professional if you have questions.

Functionality The first step is to consider the function of the room. What exactly will you do in the space? Do you eat in your kitchen, or in the dining room? Do you get ready in the bathroom or in your bedroom?

Make a list of the activities you perform in each room and prioritize from most to least important. Next, figure out the items you need to store in the space. Do you want the washer and dryer near your kitchen? Is there room to add a closet in your bathroom?

Then, create a floor plan taking into consideration traffic flow and storage space. Will you use your kitchen strictly for cooking or will it also be a gathering place? If you enjoy entertaining in your kitchen, you may want to add a bar, game table or even a TV. Décor Is your home contemporary or traditional? You will want any room you design to be coordinated with your home’s overall style theme, including your kitchen or bath. If you are uncertain about style options, look for inspiration in home decor magazines, watch home design shows on TV or check out design websites.

Experts suggest that you spend

most of your budget on countertops as they are an easy way to enhance the visual appeal of your kitchen or bath. Consider functionality and aesthetic value of the space. Natural stone is incredibly durable and adds a luxurious feel to any room.

Marble, Quartz and Granite are all great choices for countertops, back splashes, vanities, tub surrounds, hearths and more.

There are many benefits when using Granite. Granite is naturally clean since it doesn’t harbor bacteria

and is also easy to clean with just mild soap and water. Granite can also be formed into any shape that you like.

Adding natural stone to your home can be expensive however it is typically more affordable than you think and it increases your home’s value.

In your kitchen, consider using stainless steel appliances. They are easy to clean and complement a variety of design and color schemes.

Neutral flooring and paint

are always a good option. Floor coverings can be elegant like stone tiles and hardwood, or lowmaintenance like laminate wood and linoleum. The most important factors to consider are your lifestyle and budget.

Small accent pieces can also help boost your design and personality.

Simple touches like flowers in a vase, framed photos or candles add style with a very small investment.

Budget Remodeling can be expensive.

Experts recommend you spend up to 20 percent of your home’s value on remodeling the kitchen, and just less than that on remodeling the bath.

You can always save money by adding a fresh coat of paint, resurfacing cabinets instead of replacing them, or adding stylish cabinet and drawer pulls. Add color with new towels and add accent rugs rather than buying new flooring. Installing energy efficient appliances is an investment that boosts visual appeal and pays off down the road. Remember to leave room in your budget to hire a professional for jobs you are not comfortable doing.

Affordable Luxury You’ll love the strength, functionality and stunning beauty of our hand-selected natural stone

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406.728.2220 | gardencitygranite.com |1916 Maple Street | Missoula, MT

20

How to choose a

Tire Shop Your tires are where the rubber meets the road. You’ve got a lot riding on them. They’re critical to your safety and your vehicle’s performance, affecting everything from steering and balance to letting you enjoy a smooth ride.

Because a good set of tires typically lasts between three and four years, depending on your driving habits, you should invest wisely. And that starts with where you get them.

Get help selecting your tires You don’t have to choose the right tire by yourself. Look for a retailer with trained experts to help you make the right choice for your vehicle, driving needs and budget.

These experts can help you eliminate the guesswork. They should help you assess the tire size, style and specifications.

Each vehicle is built differently.

An expert can identify tire options that are manufactured specifically to fit your vehicle’s make and model.

And, don’t forget to account for the conditions you drive in—they, too, can help inform the type of tire you need.

Identify your service needs Tire retailers should do more than help you pick the right tire.

Retailers’ service offerings vary.

Determine what your needs are and find a retailer that can meet them.

Some questions to keep in mind: Will they have what I need in stock? Does the retailer offer free

guarantees, tire repairs or roadside assistance? Is there an extra fee for disposing of my old tires?

Some retailers also offer free inspections of your alignment or brakes, which are often overlooked but critical components to check before hitting the road—now and over the life of your tire.

Know the extra value you’re getting Depending on where you shop, the price of your tire can include

a lot of extras. When you consider if the price is right for you, also weigh the overall value of your tire purchase—don’t overlook free flat-tire repair, a tire replacement program, or warranties or guarantees.

Convenience is also factor to weigh. A retailer that has multiple locations in your area or even outside of the state can be a big help when you have unexpected service needs.

Think about your expectations

of a tire retailer. You might buy tires only every three to four years, but your experience waiting for installation or in-between services— like free air-pressure checks—is also important. You’ll want a retailer who values your time, will get the work you need done quickly and will get you back on the road.

Purchasing tires can be intimidating when you’re not an expert, so look for a tire retailer with experts who are friendly and honest, as well as professional and efficient.

Consider what happens outside the shop If you have a choice, shouldn’t you support the people who support you? Today, many businesses give back to their communities. Look for a tire retailer that is reputable, but also one that makes a difference in your community.

Whether it’s supporting your local schools or hosting a toy drive during the holidays, find a retailer that also takes its service values and professionalism outside the shop.

Keep these tips in mind, and you’ll find a tire retailer that meets your needs, making your shopping experience seamless and making you a customer for the life of your tires—and maybe even for life.

TIRE SALE

PASSENGER PASSENGER CAR CAR TIRES

RACELINE 126

PICKUP & SUV TIRES

FREE: Installation, air checks, rotations, equal value replacement & flat repair!

FREE: Installation, air checks, rotations, equal value replacement & flat repair!

ON SALE! Black 15x7 Starting at

GREAT GREAT BUY $ 99

TERRAMAX H/T $ 99

39

89

P235/75TR-15

P155/80TR-13

Low Cost All Season Design

Low Cost All Season Tread

Tread design may vary.

Your size in stock.

Call for size & price.

ECLIPSE $ 59

FREE WITH EVERY PASSENGER CAR AND LIGHT TRUCK TIRE PURCHASE

Peace of Mind Tire Protection

• If a Tire is Damaged Beyond Repair, We’ll Replace its Value • Our Work is Guaranteed for the Life of Your Tires • Free Pre-Trip Safety Checks

P155/80SR-13

All Season Traction 70,000 Mile Warranty Your size in stock.

Call for size & price.

Lifetime Tire & Mileage Care

ULTRA Z900 $ 77

115

• Free Flat Tire Repairs • Free Tire Rotations • Free Tire Rebalancing • Free Air Checks • Free Brake & Alignment Checks • Hundreds of Locations to Serve You

175/65HR-14

All Season Design 65,000-80,000 Mile Warranty

ON SALE!

(depending on tire size) Your size in stock.

Call for size & price.

BEST BRAKE VALUE

PROMISE Les Schwab® has been providing brake service to our customers for over 30 years. We are one of the West’s largest brake providers and can do most brake jobs the same day, without an appointment. We are proud to offer:

MISSOULA NORTH 2800 W. Broadway 721-1770

FOCAL 428

Tread design may vary.

Your size in stock.

Call for size & price.

63

ON SALE!

7823

$

MISSOULA SOUTH 2605 Brooks 721-0888

HAMILTON 211 North 1st 363-3884

ON SALE!

WILDCAT A/T 2 $ 62

Black 15x6.5 Starting at

9800

$

117

215/75SR-15

All Season Traction Smooth Ride Your size in stock.

Call for size & price.

VISION 398

ON SALE!

OPEN COUNTRY A/T II $ 50

151

P215/75SR-15

Outstanding Traction Long-Lasting Tread Your size in stock.

Call for size & price.

ON SALE!

ON SALE! Black 16x8 Starting at

13043

$

ULTRA X102

PROFESSIONALLY TRAINED TECHNICIANS FREE BRAKE INSPECTIONS AND ESTIMATES PREMIUM QUALITY PARTS THE BRAKE INDUSTRY’S

BEST WARRANTY

See lesschwab.com for more information.

RONAN 63360 Hwy 93 S. 676-7800

STEVENSVILLE 4026 Hwy 93 N. 777-4667

ON SALE! Machined 15x8 Starting at

13238

$

POLSON 36030 Memory Ln 883-1099