How To April 2012

April 15, 2012 HOW TO: CHOOSE A CREDIT UNION • CHOOSE A PEDIATRIC DENTIST REDUCE THE RISK OF IDENTITY FRAUD DIAgNOSE RESTlESS lEg SYNDROmE BUY HEARINg AIDS • CHOOSE A BANK CHOOSE AN ASSISTED lIVINg FACIlITY CHOOSE A lASIK SURgEON CHOOSE A gASTROENTEROlOgIST HOw TO CHOOSE AN HVAC COmPANY HOw TO CHOOSE A DOCUmENT SHREDDINg SERVICE

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

April 15, 2012 TABLE OF CONTENTS PAGE 3

HOW TO CHOOSE A CREDIT UNION

PAGE 4

HOW TO CHOOSE A Pediatric Dentist

PAGE 6

HOW TO REDUCE THE RISK OF IDENTITY FRAUD

PAGE 8

HOW TO diagnose restless leg syndrome

PAGE 10

HOW TO BUY HEARING AIDS

PAGE 12

HOW TO CHOOSE A BANK

PAGE 14

HOW TO CHOOSE AN ASSISTED LIVING FACILITY

PAGE 16

HOW TO CHOOSE A LASIK SURGEON

PAGE 18

HOW TO CHOOSE A Gastroenterologist

PAGE 20

how to Choose an HVAC Company

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HOW TO Choose a Document Shredding Service

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

CHOOSE A CREDIT UNION

IMPORTANT NOTES ❒ Credit unions offer many of the same services as banks, usually at better rates and terms: checking, consumer loans, mortgages, and investment accounts. ❒ Credit unions are notfor- profit, and exist first and foremost to serve their members. ❒ Credit union members are also owners. Members elect a volunteer Board of Directors to strategically guide the organization.

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WHAT IS A CREDIT UNION? credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

Credit unions, like other financial institutions, are closely regulated. The National Credit Union Administration (NCUA), an agency of the federal government, insures credit union deposit accounts up to $100,000.

What makes a credit union different from a bank or savings & loan? Like credit unions, these financial institutions accept deposits and make loans but unlike credit unions, they are in business to make a profit. Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments.

A

FIVE WAYS TO FIND A CREDIT UNION Credit unions are for everyone, but the law places some limits on the people they may serve. A credit union’s charter defines its “field of membership,” which could be an employer, church, school, or community. Anyone who lives or works in a community, for example, is eligible to join a community-chartered credit union.

If you don’t belong, here’s how to find a credit union to join: 1. Visit the internet for information on credit unions near you.

A credit union is a cooperative, not-for-profit financial institution. It is owned and controlled by its members, and organized to bring savings and give credit to those who belong.

2. Ask your family. One in three Americans belong to a credit union. Chances are you have a family member that uses credit union services. And most credit unions allow members’ families to join.

3. Quiz your friends and neighbors.

Many credit unions have a “community” field of membership, serving a region defined by geography rather than by employment or some other association. Ask friends in the community if they know of a credit union you may join.

4. Read the yellow pages. Some credit unions rarely advertise, so you might not know about them unless you look them up. A yellow pages display ad may state a credit union’s field of membership. If not, at least you’ll know what number to call to ask about membership eligibility.

5. Contact the Credit Union National Association. Dial (800)358-5710 or visit www.cuna.org and check their online database of credit unions.

CREDIT UNIONS VS. BANKS A credit union is a cooperative, not-forprofit financial institution. It is owned and controlled by its members, and organized to bring savings and give credit to those who belong. Proponents of credit unions say earnings are returned to members in the form of higher sav-

ings rates, lower loan rates, fewer fees, and expanded services.

In contrast, a bank is a financial institution that accepts deposits and makes loans to corporations and individuals for a profit. A savings and loan institution is in business to accept deposits and make loans, primarily for first and second mortgages, at a profit.

Credit unions see healthy returns on investments in order to help their members, while other financial institutions send investment returns to their stockholders.

Credit unions give members a voice.

Members vote for a board of directors from the general membership.

Directors serve on a voluntary basis and hire a Chief Executive Officer, who in turn hires staff to manage the credit union. All members receive information on the state of the credit union, generally in the form of newsletters and other periodicals, such as the credit union’s annual report.

U.S. credit unions have a flexible, highly organized cooperative network, the Credit Union System. The system works at the local, state, and national level.

There are over 10,000 credit unions throughout the country serving over 80 million members.

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

CHOOSE A Pediatric Dentist

The recognized dental specialties are: ❒ Dental public health: Prevention and control of dental disease and promotion of community dental health ❒ Endodontics: Prevention and treatment of diseases of the root pulp and related structures (root canal therapy) ❒ Oral and maxillofacial surgery: Tooth extraction, surgical treatment of diseases, injuries, and defects of the mouth, jaw, and face ❒ Orthodontics and dentofacial orthopedics: Diagnosis and correction of tooth irregularities, and facial deformities ❒ Pediatric dentistry: Specialized certification of dentists trained to treat the needs of infants, children, and teens that require additional education and residency that involves knowing how to interact with kids.

❒ Periodontics: Treatment of diseases of the gums and related structures.

❒ Prosthodontics: Treatment of oral dysfunction through use of prosthetics devices such as crowns, bridges, and dentures.

P

ediatric dentists are licensed practitioners who hold either a doctor of dental surgery (DDS) or doctor of dental medicine (DMD) degree. Becoming a dentist requires four years of pre-dental college work followed by four years of dental school. To be “Certified Pediatric” by the American Academy of Pediatric Dentistry requires four years of school plus an additional two to three years of handson training that prepares the dentist to meet the needs of infants, children, and adolescents.

The first two years of dental school consist largely of basic and preclinical sciences. The last two years are spent primarily in dental practice under the faculty supervision. State licensure is then acquired by passing national and state board examinations. Dentists, such as pediatric dentist, who wish to specialize, spend two or more years in advanced training. To become boardcertified they must then pass an examination administered by a specialty board recognized by the American Dental Association.

Most pediatric dentists are very good clinicians. The differences between these dentists is usually in treatment modality. Some pediatric dentists do not want parents back with their child because some children tend to use their parents as an escape mechanism. Other dentists have no problem with parents being in the rooms. Another area of difference is in the dentists’ style of behavior management. Some pediatric dentists practice sedation, sometimes in a hospital setting, while others may only practice in their own clinic with nitrous oxide. There are several different ways to treat a child when it comes to behavior management.

Positive signs Good pediatric dentists take a personal interest in younger patients

and their health. Good pediatric dentists value their relationships with the parents and children. They are more concerned about the child’s well-being and psyche than just performing treatment.

Good pediatric dentists, and general dentists for that matter, will perform a thorough dental examination including inspection of teeth, gums, tongue, lips, inside of cheek, palate, and the skin of the face and neck. They will also palpate or feel the face and neck for abnormal lymph nodes, enlargement of the thyroid gland, TMJ problems and any other facial abnormalities.

A good pediatric dentist will focus more on preventive care than performing treatment. Regular check-ups can detect problems early. Routine tooth cleanings bite evaluations, periodontal examinations, early interventions, and fluoride treatments can often avoid costly repairs. The frequency of maintenance care (including cleanings and x-ray examinations) should be based on assessment of the frequency of cavity formation, the rate of plaque formation, the condition of the gums, and any other special problems. This assessment is termed a Caries Risk Assessment. Once current treatment has been completed, the patient should be placed on a recall schedule and notified when the next checkup is due.

High-quality dental work usually will last a long time, whereas low-quality work may fall out or decay out in a few years. The price of dental work is not the best way to judge quality, rather, pay attention to the time the pediatric dentist takes with yourself and your child.

Before embarking on treatment, get a clear understanding at your own level of what is to be done and what the outcome might be. Consider treatment options with your pediatric dentist, because there may be more than one way to accomplish the end goal.

Negative signs Be wary of pediatric dentists whose fees are much higher or lower than standard fees for a procedure. When the fees charged per service is low, the number of services performed may be greater than needed, resulting in higher costs.

A small percentage of dentists espouse or engage in unscientific practices. You should avoid any pediatric dentists who do not discuss treatment options with you the parent, do not discuss preventive measures to keep future issues from arising, allege that fluoridation is dangerous and/or make the patient wait for an appointment in emergency situations.

Other tips The American Academy of Pediatrics and the American Academy of Pediatric Dentistry recommends that a child has his or her first dental visit at the time their first teeth begin to erupt or their first birthday, whichever comes first.

It makes sense to become acquainted with a pediatric dentist before an emergency arises.

Suitable prospects can be identified asking among friends, acquaintances, and local health professionals. Additional recommendations can be obtained from a local dental society or a dental school if one is located nearby.

A good first step is to schedule a “get acquainted” or “happy” visit to see whether your child’s personality, the parent’s personality, and philosophies of oral health care are a match. Ask about fees and payment plans. Most pediatric dentists prefer the patient’s parents or guardian to initiate discussions of fees because they know more about their own financial situation. Where large fees are involved for major work, it is best to have a written understanding of what fees will be charged and when payment will be due.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

I

dentity theft isn’t new. But with the widespread use of the Internet for business and personal commerce, identity fraud has become the fastest growing type of financial fraud.

Identity fraud, also called identity theft, is the unlawful capture and use of someone’s personal identifying information, such as a name, address, birth date or Social Security number in order to impersonate the victim to commit a crime or gain financial benefit..

The identity thief may set up loans, credit accounts and phone numbers in the victim’s name, running up debts that aren’t repaid, and often wreaking havoc on his or her credit report.

BECOMING A VICTIM It is hard to know how many cases of identity theft there are each year, because some are not reported to law enforcement agencies, but there is agreement that the total is in the millions. The annual cost to businesses as a result of identity theft is in the billions of dollars.

The proliferation of identity fraud creates a challenge for the financial industry. There are three main ways thieves capture personal information: 1.) They find it in trash bins or dumps, at ATMs, or in lost wallets or purses.

2.) They buy identification information from Web sites or company employees.

3.) They steal it by intercepting mail, taking mail from mailboxes; burglary or computer hacking.

REDUCE THE RISK OF IDENTITY FRAUD The FTC offers advice for preventing identity theft on its Web site.

Among the suggestions are to deter theft by safeguarding documents, detect activity by consistently monitoring financial records, and to defend against thieves by reporting suspicious activity as soon as it is discovered.

If your identity is stolen, the FTC recommends immediately issuing fraud alerts, acquiring copies of credit reports, and filing identity theft reports with appropriate agencies. More precise strategies depend on the type of identity theft that has taken place.

Identity thieves can obtain personal information from a wide variety of sources: tax forms, government documents, medical records, personal mail, credit card bills, financial statements etc. And adults aren’t the only victims; children also can have their personal data stolen and used by identity thieves.

To protect against identity theft, protect personal documents in a way that they cannot be obtained by others. One method of doing so that benefits both individuals and businesses is by shredding old documents or utilizing a document destruction service.

Routinely reviewing financial and credit information is also an important step in protecting against identity theft.

GETTING YOUR IDENTITY BACK The FTC offers its own online center, at www.ftc.gov, that provides information to help prevent identity theft and assist victims in correcting the damage. Bulletins on the latest

identity theft alerts, a Victim Assistance Workshop, and forms for reporting theft and tracking your progress through the complicated process are just a few of the materials available to you.

The FTC suggests these steps to decrease the likelihood of identity theft: • Protect your Social Security number • Treat your trash and mail carefully • Be on guard when using the Internet • Verify a source before sharing information • Safeguard your purse and wallet • Store information in secure locations To spot identity theft, individuals should check their credit reports for accounts they don’t recognize and review reports regularly. If your identity has been taken, immediately request a fraud alert be placed in your file by the credit reporting agency; ask to place a victim’s statement on your report asking creditors to contact you before authorizing any new accounts; report the theft to your financial institutions, credit card issuers and other creditors; and inquire about accounts that may have been tampered with or opened fraudulently. You should also report the crime to police and ask for a copy of the police report for your records.

According to data from the FTC, the states with the highest numbers of identity theft cases are Florida, Arizona and California. Government document fraud is the most prevalent form of identity theft, followed by credit card fraud and utility fraud.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

D

o you find yourself unable to sit still to watch your favorite evening program, or unable to stay seated during your vacation flight, or not able to fall asleep due to leg discomfort or jerking? If so, you may be among the 10 million adults in the United States with Restless Leg Syndrome (RLS).

In the past, RLS, was called Ekbom’s Syndrome.

What are some of the symptoms that might strongly suggests that this is your problem? The first and foremost symptom is experiencing an unpleasant, creepy crawling, jittery sensation in your legs that results in a very strong urge to move them.

This unpleasant sensation starts at rest and is characteristically relieved by walking, pacing or at times by simply stretching or jiggling the legs.

These symptoms, at first, are hardly noted during the day and are felt primarily at night. Often along with these sensations you may find that you have been told that you have “jerks” in your arms or legs while you sleep. The severity of these symptoms may range from annoying and infrequent to distressing and daily.

You may also want to question others in your family as RLS runs in families in up to half of sufferers, and researchers have found

diagnose restless leg syndrome sites on chromosomes for RLS. What can you do to get relief?

If your symptoms are mild and infrequent, first try some lifestyle changes.

Some common changes that help are: 1.) Avoid caffeine 2.) Cut back on alcohol and 3.)

4.)

5.)

6.)

7.)

tobacco Try moderate exercise Try relaxation techniques like meditation or yoga Have good sleep hygiene Do activities that increase mental alertness in the evening Begin and end your day with a massage or muscle stretching

If, despite all the above practices, your symptoms are increasing and disrupting your life and sleep patterns, then referral to a physician who is knowledgeable in the diagnosis and treatment of more advanced RLS is indicated.

The physician should be able to screen for related neurologic problems that could be making your RLS worse and guide you in the more advanced treatments that are sometimes necessary to control RLS.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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If you need a neurologic evaluation, ask your physician for a referral to Gainesville Neurology Group or callour office at 770-534-7885 for information and appointments.

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Buy Hearing Aids

H

earing aids are not something anybody chomps at the bit to go buy like the latest iPad or cell phone. But maybe they should be.

Hearing loss occurs so gradually that most people wait several years after the loss first becomes a problem to even consider doing something. But early treatment of hearing loss has the potential to transform one’s life.

The National Council on the Aging did a study with more than 2,000 people experiencing hearing loss, as well as the significant others of those with hearing loss, and found that people who decided to use hearing aids demonstrated impressive improvements in their social, emotional, psychological, and physical well-being. Specifically, hearing aid usage is positively related to many quality of life issues.

Hearing Instrument Specialists assess hearing and select, fit, and dispense hearing aids and related devices

ists and audiologists is achieved by passing an exam from the National Board for Certification in Hearing Instrument Sciences.

The website www.healthyhearing. com is a great resource for anyone looking for information on hearing healthcare and amplification Hearing Instrument Specialists devices. No matter the educational assess hearing and select, fit, and background or experience of the dispense hearing aids and related hearing healthcare provider (HHP) devices. They provide instruction, you choose to see, you should exrehabilitation, and counseling in the pect to be treated with dignity and Hearing loss treatment was use and care of hearing aids and respect as the HHP focuses on your shown to improve: related devices to enhance commu- individual requests and needs. Af• Earning power nication. They must be licensed by ter all, it’s your quality of life they • Communication in relationships the Secretary of State in the state in should be most concerned with and • Intimacy and warmth in family re- which they are practicing. A further must select the best possible device lationships certification for hearing aid special- for you.

• Ease in communication • Emotional stability • Sense of control over life events • Perception of mental functioning • Physical health There are two different professionals that can help people with their hearing needs. The Better Hearing Institute (BHI) defines them in this way: Audiologists identify and assess disorders of the hearing and balance systems of children and adults.

Audiologists select, fit, and dispense amplification systems such as hear-

ing aids and related devices; program cochlear implants; and provide instruction, rehabilitation, and counseling services to enhance human communication. A graduate (doctorate or master) degree is required for practice.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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Consider these factors when choosing your lifelong business partner: ❒ When checking out banks, review the fees for various services and transactions, advises the American Banking Association, but remember, price isn’t the only — or even most important — factor. ... Take a minute to think about how comfortable you feel at each institution. ❒ Ask yourself some basic questions: Is the staff friendly? Do they try to get to know you by name? Are transactions handled efficiently? If there’s an error, how is if handled? Does the bank stand by its customers? ❒ What is your goal in establishing a banking relationship? Saving money? Using a checking account? Getting a loan? All of the above? ❒ Will you be buying a home or car, or making another large purchase in the near future? You may need to investigate loan products offered.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

CHOOSE A BANK

W

hen you choose a bank, you choose what could be a lifelong personal and business partner.

That’s why a little homework can go a long way in deciding what financial institution will best fit your needs.

“Before people consider choosing a financial institution, they should realize it’s a decision that should not be taken lightly especially in light of the economic impact of the past few years,” says one veteran banker. “Many people tend to focus on transaction prices, high rates of deposit and low rates on loans. I think that’s a trap. There are other elements that need to be considered.”

Making a financial friend To narrow your choices, you must first assess your individual needs and identify your “banking personality” advises the American Banking Association (ABA), which suggests the following questions to ask: • What is your goal in establishing a banking relationship? Saving money? Using a checking account?

Getting a loan? All of the above?

• How much money can you keep on deposit each month and how many checks will you write? That information determines how complex or simple your bank account needs are, from multi-service packages to no-frills accounts.

• Will you be buying a home or car, or making another large purchase in the near future? You may need to investigate loan products

offered.

• If you’ll be saving for a big expense or your child’s education, review the institution’s savings products. Many banks offer additional investments, such as mutual kinds, in addition to traditional savings accounts.

• Do you prefer using Automated Teller Machines (ATMs) and Internet banking services, or would you rather bank with an extensive branch network with regular, evening and weekend hours?

Banking convenience The institution’s locations, hours, and proximity to home and work are important to consider so you can easily balance your banking with your busy schedule. ATM, Web and telephone services should also be readily available so the customer can access them conveniently.

“Think about what you will utilize.

There may be a branch nearby, but if you do most of your banking on the Web or over the telephone, the place may not be that important.”

For those who like to have face-toface interaction with their financial institution, “look at the people aspect, the service you expect. Are transactions handled efficiently and without error? If an error does occur is it resolved quickly and to your satisfaction?’

Then take a close look at the fees associated with the services you require, suggests the Better Business Bureau (BBB). Do you use ATMs frequently? Does the bank charge you for ATM transactions at other

banks? How much? Compare that to another bank’s ATM charges.

Many banks require minimum balances for free checking or savings accounts. The BBB suggests you look at the cost of the fees saved with a $1,500 minimum balance, and compare that with the interest you might earn on the same $1,500.

If it was invested in a Certificate of Deposit (CD) or other savings instrument. Which is more beneficial to you? Use the same comparison to assess the benefits or costs of interest-bearing checking accounts.

Also, a bank may want you to keep all your accounts — including credit cards, mortgages and loans — at the same institution, often called “relationship banking,” says the BBB. Ask if you can combine balances to meet fee-free minimum balances or if there are other incentives, If no incentives are offered, you may have to keep your accounts at different banks to get the best deal. Perhaps most important in choosing a bank is the institution’s longevity and durability. “There have been a lot of consolidations and transitions, and that may have changed that services offered. Look into its financial strength. How does it manage through the tough times, and does it stand by its customers?” Finally do a gut check: Allow yourself a moment to measure your comfort level with the bank. “Do the employees at the bank know you? Do they try to identify your needs over the short term and the long term, or are they simply marketing products to you?”

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Tips: Choosing an assisted living facility PLANNING

❒ Begin discussion and research early. Don’t wait for an emergency. ❒ Determine the type of care needed. What do you or your loved one need help with? Is specialized care needed? ❒ Look for facilities in your area.

To contact the nearest Agency on Aging and other services for adults, call Elder Care Locator at (800) 677-1116 or check its Web site: www.eldercare.gov.

RESEARCH

❒ Examine the facility’s physical features: Is it clean? What facilities are available? Where do residents eat? Where do they interact? ❒ Examine the staff. Do they greet residents? Are they attentive? Do they treat residents well? Are they well groomed? ❒ Examine the residents.

Are they well-cared for?

Are they active? Do they seem happy? ❒ Talk to residents

C

hoosing an assisted living facility can be a difficult but important decision, one often complicated by emergency situations that rush decision-making. However, making a positive transition to an assisted living facility only takes careful research.

The main goals of assisted living are to aid residents — often the elderly — in tasks, and provide a living experience where the mind and body are kept active. Assisted living facilities generally provide housing, group meals, personal care and support services, and social activities in a residential setting. The staff assists residents with simple household tasks, getting dressed, dietary needs, administering medication and more.

CHOOSE AN ASSISTED LIVING FACILITY

anytime during visiting hours.

When visiting, make careful observations. Check for cleanliness — in bathrooms, public areas and dining rooms.

Is the atmosphere friendly? How does the facility assess and meet residents needs? Does the staff seem attentive and polite? Observe and talk to the residents. Do they seem well-cared for?

Check for safety measures. As the American Association of Homes and Services for the Aging suggests, look for well-lit stairs and halls, handrails in bathrooms and ways for residents to summon help if needed. Check to see if smoke alarms are installed in each room and hallway, that halls and passageways are clear and that exit doors are clearly marked, not locked and opTAKE THE FIRST STEP erate freely — especially disabled asThe first step is to determine the fa- sist doors. Facility staff should know cility characteristics you or your loved evacuation procedures, and emergency one may benefit from. According to numbers should be prominently postthe AARP, formerly known as the ed.

American Association of Retired Persons, assisted living facilities best serve CHECK CREDENTIALS those who don’t require skilled nurs- Find out if the facility is properly liing or long-term assistance. Would censed by the state, and if there is any your loved one enjoy a larger facility history of problems or disciplinary acwith many new people or a more inti- tions related to the licensee. mate setting? Do you have any specific In Georgia, the Department of Humedical needs? Some facilities include man Resources is the licensing agent special programs and facilities to aid for assisted living facilities. Through residents with dementia or Alzheimer’s, the DHR, you can find out informafor example. Once you’ve determined tion about assisted living facilities and your needs, compile a list of facilities to their compliance with state licensing visit. The AARP recommends a num- requirements. ber of sources, including the local yel- The DHR also is active in investigatlow pages; state agencies and your local ing complaints about assisted living faarea agency on aging. Make sure to ask cilities and working with the facilities to friends or relatives for advice as well. make improvements for residents.

Within the DHR is the Office of the State Long-Term Care Ombudsman, LOOK AROUND Visit several facilities, touring at least which has responsibility for investigatthree. Beware of facilities that require ing complaints and resolving problems appointments to visit. Reputable es- affecting residents of long-term care tablishments should allow you to visit facilities.

The Long-Term Care Ombudsman program in Georgia is more than 25 years old. In 2002 it was established as a separate office within the DHR’s Division of Aging Services.

The Office of the State LTCO works through Area Agencies on Aging to address needs of residents in care facilities.

In addition to investigating complaints, Ombudsman work to promote community and family involvement in facilities, provide information on how to select a facility, and educate communities about the needs of residents in assisted living facilities.

For more information, visit www. georgiaombudsman.org, call 888-4545826, or contact your local aging program.

CONSIDER COSTS Families should thoroughly examine all the costs involved. Are costs itemized or is there a flat fee? Some facilities may cost several thousand dollars per month. Ask for all charges up front and in writing to avoid surprises.

EASE THE TRANSITION If looking for a loved one, involve him or her in your search process.

Once you decide on the facility, bring your loved one for a visit. Keep lines of communication open to ease the transition. Find out what customizations you can make to the new space to make it feel more like home. Find out about social activities. Activities are essential for preventing boredom, loneliness or depression. Activities at some facilities include: shopping trips, bingo, dance therapy, movies and arts and crafts. Finding something to enjoy and people to do it with can make the move to assisted living a positive experience.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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The Eye Surgery Education Council recommends asking surgeons these questions when considering LASIK: ❒ How many LASlK

procedures have you performed? ❒ Do you provide a list of

patients I can contact? ❒ What’s your

complication rate? ❒ What laser do you

use? Is it FDA-approved? ❒ What pre-operative

diagnostic tests will you perform? ❒ May I observe a

surgery?

❒ Are you licensed

and board certified?

Are you a member of any professional associations? ❒ What’s your re-

treatment rate?

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

CHOOSE A LASIK SURGEON

T

ired of your contacts and glasses? LASIK may be for you. While LASIK (Laser-Assisted In Situ Keratomileusis) doesn’t always result in perfect vision, says the Eye Surgery Education Council (ESEC), it can allow people to more freely pursue their hobbies, physical activities and careers.

It’s a lifetime investment — and one with many benefits. In order to successfully free yourself from contacts and glasses, it’s important to know what to expect, and to find an experienced surgeon whom you can trust with your windows to the world.

What is LASIK? The Food and Drug Administration says LASIK is a procedure that permanently changes the shape of the cornea — the clear covering on the front of the eye that helps focus light to create images on your retina — by using an excimer laser.

During the surgery, a knife is used to cut a flap in the cornea, revealing the middle section of the cornea (stroma). Pulses from a computercontrolled laser vaporize a portion of the stroma, says the FDA, and the flap is replaced. The result is corrected vision.

The speed and development of the computers that run the lasers is a huge advantage today. Lasers are much safer today than they used to be.

Am I a candidate?

Patients can be 18 or 80 years old, as long as they’re healthy. The ESEC says an ideal LASIK candidate is at least 18, with a stable contact or glasses prescription for at least two years; has sufficient corneal thickness; is affected by a common

vision problem; and doesn’t suffer from a disease (vision-related or otherwise) that could complicate the surgery.

As with any surgery, there are risks and complications to consider.

Some patients can lose vision; develop glare, halos and/or double vision; be under- or over-treated, requiring additional treatment or the continued use of contacts or glasses; develop severe dry eye syndrome or have results diminish with age, according to the FDA. Finding a surgeon Become a critical consumer of health care in your search for an experienced, qualified surgeon. Do your homework. Research Web sites about LASIK, such as www. lasikinstitute.org, and schedule consultations with a few surgeons.

Where you feel comfortable is where you should go.

But there’s no substitute for experience: According to the ESEC, several studies have shown there’s a learning curve associated with the surgery. The more procedures a surgeon has done, the better he or she will be at it. A surgeon who’s done 30,000 surgeries, and has eight or nine years of experience is a lot better than getting a cheap fix.

Check surgeon credentials — you’ll want to go to a certified, licensed ophthalmologist who’s had extensive training in refractive surgery. The surgeon should also have manufacturer certification on lasers, which should be FDAapproved. Contact the American Board of Ophthalmology at www. abop.org, for information on certified surgeons in your area.

Interview possible surgeons to see who suits your preferences: Do you prefer going to a strictly refractive surgery center or a full-service ophthalmic practice? Do you feel comfortable with the surgeon, and his or her staff ? Is the facility comfortable and clean? Does the surgeon offer patient references?

What to expect Once you find a surgeon with whom you feel comfortable, the first step is to schedule a preoperative evaluation, during which you’ll receive a comprehensive eye examination. You can’t wear soft contacts for two to seven days (depending on the type of lenses), or hard lenses for a minimum of four to eight weeks prior to the visit. The surgeon will perform a number of tests to determine if you’re a candidate.

Many surgeons allow patients to observe the procedure from a viewing room to get a better idea of what to expect.

The surgery lasts approximately 15 minutes. Discomfort is minimal and you should be able to get back to normal life within a few days.

And with the technology today, many walk out with 20/20 vision or better — and no contacts or glasses in sight.

Remember that perfect vision isn’t guaranteed. About 56 percent of patients achieve results of 20/20 or better, and more than 90 percent achieve 20/40 or better according to the ESEC. You may still need to wear glasses or lenses for some activities such as reading.

Ask your surgeon what results he or she plans to achieve with your eyes.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

FIRST IN GEORGIA

Bladeless Laser Cataract Surgery Bladeless, breakthrough technology has come to Northeast Georgia at Gainesville Eye Associates, the rst practice in Georgia to offer state-of-the-art laser cataract surgery. And unlike traditional cataract surgery, this new procedure improves eyesight in most cases through astigmatic reduction. Only a few ophthalmology practices across the country provide this high level of technology, with fewer than 300 LenSx lasers in the world. You can nd it right here at Gainesville Eye Associates.

Stephen J. Farkas, M.D. Jack M. Chapman Jr., M.D. Clayton G. Blehm, M.D. Lori C. Lebow, M.D. S. Michael Veach, O.D.

2061 Beverly Road • Gainesville, GA 30501 • GainesvilleEye.com • 770.532.4444

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

CHOOSE A Gastroenterologist?

A stomach ache will make you seek out a physician, but sometimes deciding which physician or kind of physician to go to will make your stomach ache worse. There are many options Even if you are symptom free, every person and with the high cost of health care, you want to make the right decision should receive a colon screening at age 50 the first time. Your primary care physician (PCP) may be the first point of contact, especially if your insurance requires that you contact them prior to being seen by a specialist. Often times if you know what you need to be seen for, you can make an appointment with a GI with bowel problems when they of furniture. Colon cancer is too great a gastroenterologist (GI) without need- occur. Changes in bowel habits can be a disease to risk having anyone but a an indicator of something more seri- gastroenterologist who is especially ing to see a PCP first. ous. Your stomach ache may be trying trained to detect issues perform your procedure.

Gastroenterologists are physicians to tell you something. who have been trained in internal medEven if you are symptom free, every Not everyone who has stomach ailicine and have received 2 to 3 years of person should receive a colon screen- ments needs a procedure. Often times, additional training relating to the digestive tract. Your digestive tract starts in ing at age 50. African-Americans have heart burn or constant belching may your mouth and ends at your rectum. a higher chance of developing colon interfere with your daily life, and it GI physicians treat anything related to cancer so they should begin colon also may cause damage you cannot the digestive tract including heartburn screenings at age 45. The best way to see. A gastroenterologist can help you (GERD), stomach aches, constipation, have a colon screening is to have a colo- treat this as well. Heartburn or Gasdiarrhea, hemorrhoids, ulcers, and also noscopy so polyps can be removed if troesophageal Relux Disease (GERD) perform screening for colon cancer. detected and biopsies taken if needed. is caused when stomach acid rises up GI physicians do not do surgery but A colonic polyp is a growth inside the into the esophagus and causes burning treat ailments with medication or en- wall of the large intestine that can of- and irritation. Stomach acid is erosive doscopic procedures. Colonoscopies ten develop into cancer if left untreat- to the esophagus and over time can eat and endoscopies are their main diag- ed. This is the main reason that colon away the lining. Esophageal cancer can nostic tool. They are specially trained cancer is the second leading cause of also develop from this. The burning to locate cancers in the colon and since death among cancers. Polyps can grow and pain you feel is your body trying to digestive ailments are all they treat, they undetected unless the individual has a tell you something. are uniquely equipped to treat your is- colon screening.

So when your stomach hurts, you sue.

Your colon screening should be per- have heartburn or it’s time for your Since digestive issues are all GI phy- formed by a gastroenterologist. A gas- colon screening, don’t make it worse sicians and staff treat, they are also troenterologist performs 400-500 colo- by trying to figure out whom to go to, familiar with the discomfort and em- noscopies during training before they look for a gastroenterologist. They are barrassment that often accompanies even begin working in an office. One specially trained to find the source of digestive issues and are trained to deal can compare this to a concert pianist your problem, treat you and help you with that. Colon cancer is the second who only devotes all his time to learn- get better. It is important to get treated leading cause of death among cancers ing to play that instrument or a wood by the physicians who are especially and one of the reasons it is so predom- craftsman who has honed his skill over trained to treat stomach problems – a inant is that individuals fail to go to see the years and builds magnificent pieces Gastroenterologist.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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Experience and Expertise Matter.

Experience and Expertise Matter.

We only treat digestive issues/diseases.

We

only treat digestive issues/diseases.

So, So, when when it it comes comes time time for for your your colon colon screening, screening, trust trust only only aa gastroenterologist. gastroenterologist.

We ARE ARE the the experts. experts.

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Main Office

2324 Limestone Overlook Main Office GA 30501 Gainesville,

2324 Limestone Overlook Gainesville, GA 30501

Braselton Office

5875 Thompson Mill Rd, Ste 310 Braselton GA Office Hoschton,

5875 Thompson Mill Rd, Ste 310 Hoschton, GA

Habersham Office 396 Historic 441N Habersham Demorest, GAOffice

396 Historic 441N Demorest, GA

770-536-8109 or Toll Free 1-877-683-9410

770-536-8109 or Toll Free 1-877-683-9410 www.GastroGainesville.com

www.GastroGainesville.com

Hartwell Office 127 W. Gibson Street Hartwell GA Office Hartwell,

127 W. Gibson Street Hartwell, GA

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Choose a HVAC Company

I

n the summer, there seems to be nothing more important than good air conditioning. In the winter, nothing is more important than an effective heating system.

The key to getting great heating and air conditioning service is finding the right HVAC company. It’s been said that an HVAC company is like a spouse. Good ones are helpful, reliable and there for you in your times of need, whereas bad ones will cost you a lot of money, cause you many headaches and put you in uncomfortable situations.

spection office to be really thorough.

You want to make sure any company you use is reputable. Unfortunately today many are not as reputable as we’d like to think.

Ask the difficult questions. What are their prices? Do they offer a guarantee or warranty? What are their usual turnaround times? What manufacturers do they use?

You’ll also want to know if the company has insurance and is bonded for accidents that are likely to happen occasionally. This can save you from having to file a claim on your hom-

Ask the difficult questions.

What are their prices? Do they offer a guarantee or warranty? What are their usual turnaround times? What manufacturers do they use?

Word of mouth will provide the best recommendations for an HVAC company. Ask your family and friends who they’ve had good experience using. When you hear the same name more than once, that’s a good sign.

Make sure that you let the company know that they were recommended by people close to you. This will let them know that they need to do a good job or other customers will hear about it and maybe consider taking their business to another company.

When researching any sort of company, you’ll want to check with the Better Business Bureau. For an HVAC company, check with your state’s board of contractors. You can also check the local mechanical in-

eowners insurance should any mishaps take place that cause damage to your property during the installation.

Make sure to check for proper permits. An HVAC company getting the proper permits can save a homeowner many headaches. Load calculation is another thing that will save you from plenty of problems in the future.

It’s a good idea to have a load calculation performed before installing a new system in any building. The company that you select should be willing to do so. There are HVAC companies that will use a general rule of thumb to size the necessary equipment instead of double checking, and some companies will just install the same

size of equipment as equipment that is being replaced.

These methods can cause unnecessary problems for you. Many times you don’t know if a load calculation was done when the first system was installed and changes in the building have probably taken place over the years.

A system that’s too big will be inefficient and cause big problems. A system that’s too small won’t be able to heat or cool the larger area. When you have the system that is installed to fit the needs of the building, you will save money and be much happier.

Following this advice will help you find an HVAC company that will help save you some money and leave you satisfied with their work.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

Choose a Document Shredding Service

O

ne service that all companies need is document shredding. Sure, it can be easy to just toss documents in the trash – but that would be breaking the law and setting yourself and your business up for major repercussions. Or, sometimes when companies do understand the importance of paper shredding, they think it would be better to have it done in house.

In reality shredding it yourself is a time waster and profit killer; it can take an employee up to 5 hours to shred just 50 pounds of paper!

Hiring a paper shredding company is beneficial to your business, employees, and your clients.

Almost all businesses handle sensitive information nearly every day: from receipts to job applications, to customer account information that includes addresses, phone numbers, and even bank account information. Without shredding such important documents, identities can be stolen and information can be exposed to the wrong people.

There are many things to consider when choosing a shredding service company. You could start by asking other businesses in your area who they use for shredding. Check with your Chamber of Commerce and see what shredding service is local to your area; not only will you keep your tax money within the community you live and work in, but you could also easily go to the businesses and check out their operations first hand.

Shredding companies offer their services in a number of ways. You

need to figure out what type of shredding service will best suit your needs. Some businesses find that they need shredding done periodically, for large clean-outs.

Others may decide that they need day-to-day protection and utilize secure, locked containers that are serviced on a regular schedule.

Weigh the pros and cons to onsite and off-site shredding at your business: on-site will allow you to see the paper be shredded in front of you, but, you are also left with the boxes after the shred is complete while with off-site shredding, the sensitive material is collected and brought back to the shredding facility to be shredded. Either way you choose to shred, be sure you check the chain of custody and make sure it is secure and that you receive a Certificate of Destruction after the job is completed.

While price is important, most companies will be competitive and reasonable. It may be a red flag when someone is “too cheap” – you don’t want to fall into the class of “getting what you pay for.” If you want to make sure you are staying within your budget and understand everything you will be billed for, request a quote from the shredding company that outlines all fees involved. Everyone wants to avoid unexpected bills and doesn’t like being surprised by extra fees such as stop charges or fuel surcharges. When comparing companies be sure to consider all costs.

Perhaps you have a small amount of material, and would prefer to

take it to a shredding company’s facility to see your material shredded. Check with the company you use and make sure that they offer drop off service, where you can go by during the day and have your material destroyed securely.

Another great option when you have a small amount of material to shred is to check your local newspaper for community events. Often times companies, TV stations, local communities will offer shredding and recycling days, where they will take your documents and shred and recycle them. These are either free or relatively cheap.

As part of the chain of custody that you look into, be sure that the life of your paper ends with recycling. The company you choose should have eco-friendly services.

Shredded paper can be recycled, saving water, electricity, and trees.

While you are shredding your sensitive papers, don’t forget to see what other material you may have destroyed. The best shredding companies will shred more than paper, they can destroy CDs, disks, credit cards, hard drives and other similar products.

When you are looking to get rid of sensitive material, make sure that you do your homework and find a good shredding company that you can rely on. Always make sure the company that you deal with is reputable within your community and that it makes you feel secure throughout the whole process. Having this peace of mind will guarantee protection for yourself and company.

The Times How-To Guide Advertising Supplement | Sunday, April 15, 2012

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