How To June

Sunday June 15, 2014

IN THIS ISSUE:

Choose a Credit Union Get an Electronic Version of The Times Purchase a Hearing Aid Choose a HVAC Company Choose a Landscape Company Choose a Lasik Surgeon Choose a Mortgage Lender Choose a Pharmacy Choose a Retirement Community Choose a Technical College Choose a Veterinarian

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

TABLE OF CONTENTS Choose a Technical College ............................................pg 3 Choose a HVAC Company ..............................................pg 4 Choose a Veterinarian ....................................................pg 6 Choose a Credit Union ...................................................pg 8 Choose a Lasik Surgeon ............................................... pg 10 Choose a Landscape Company ...................................... pg 12 Choose a Retirement Community .................................... pg 14 Choose a Mortgage Lender ........................................... pg 16 Purchase a Hearing Aid ................................................ pg 18 Get an Electronic Version of The Times ............................ pg 20 Choose a Pharmacy ..................................................... pg 22

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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nyone planning to continue their education beyond high school, or who is in high school and wants to get a leg up on their college course work, might want to consider enrollment at a technical college. Technical colleges have much to offer students of all levels, and picking the right one may help you achieve your academic and career goals.

Students who enroll in technical colleges vary greatly. Some of the types of students in Georgia who elect to take coursework at a technical college include: Beginning students • High school graduate, no college Transfer students • Previous college experience Returning students • have already attended classes at a particular technical college Dual enrollment • Current high school student taking diploma or certificate classes Transient Students • Transferring credit to home college Certificate students Technical colleges may offer different types of programs. Credentials offered: • Associate Degrees • Diploma • Technical Certificate of Credit There are some differences be-

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CHOOSE A TECHNICAL COLLEGE tween the programs and program Entrance exam requirements may requirements may vary slightly also vary from school to school. from school to school. Differenc- Be sure you know which exam es in the programs are: scores will be accepted at the school to which you are applyAssociate degree ing. If you need to take additional • Core classes may transfer to an- tests, check with that school to see other 2- or 4-year college if they administer any entrance • Highest level of test scores exams. needed to be “program ready” Many colleges will require that • College Algebra needed for exam results be current. They may most programs require that exam scores be no • Largest number of hours need- less than five years old, and they ed for graduation will usually stipulate minimum required scores.

Diploma Technical colleges may admit stu• Slightly lower test scores need- dents at different levels. Some of ed to be “program ready” these levels may be divided as fol• Fewer hours needed for gradu- lows: ation • Core classes will only transfer Regular to another technical college • Applicant met minimum admissions requirements and will not be Technical certificates of credit required to take remedial classes • Fewest credit hours needed for graduation Provisional/Developmental • Test scores & transcripts may • Applicant is required to take not be required. a specified number of remedial classes, usually in English, math Admissions or reading.

Basic admissions procedures including turning in all required Probation items to the admissions depart- • Based on previous college-level ment or officials by the suggested work. dates, and an application fee, an Technical colleges may have application for admission, official many programs that are structured transcripts, valid entrance exam to meet a wide variety of needs scores, and a copy of resident from a wide variety of students. alien card (if applicable). All re- If you plan on continuing your quired items must be submitted education, or want to gain an edge on or before the suggested date on your college education during of the quarter or semester you your high school years, consult a wish to enter. Be sure to check technical college to see how their with the school so that you know programs can help you achieve your deadline. your goals.

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

CHOOSE A HVAC COMPANY

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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.

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 inspection 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

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? 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 homeowners 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 in-

efficient 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, June 15, 2014

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Conditioned Air Systems is a family-owned business with a proven reputation as North Georgia’s most reliable HVAC source for over 30 years. We are your single source heating, ventilation and air conditioning experts for: • Residential •Commercial

•Industrial •Installation

•Service •Planned Maintenance Agreements

Our own on-site metal fabrication shop, NATE certified technicians, sixty-plus employees and industry experience ass up to value, service and responsiveness you can count on.

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

CHOOSE A VETERINARIAN

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n today’s society, pets are generally considered to be members of the family. As such, they should be provided with the excellent health care that any member of your family deserves.

Many people neglect to bring their pets to a local veterinarian due to cost concerns. These people tend to believe that it is simply not financially wise or necessary to provide their animals with regular health care.

However, by ensuring that your pet has regular check-ups from an experienced animal professional, you can add years to your pet’s life and improve upon its happiness.

You should never wait until your pet is sick to provide it with the health care that it needs. Many animal diseases can be prevented with regular check-ups, saving you time and money in the long run. Visits to the veterinarian will boost your pet’s health, allowing it to lead a happier, more vigorous life.

The process of searching for a veterinarian can seem intimidating.

However, so long as you adhere to the following guidelines, you can easily locate an animal health care professional that will provide your pet with the services that it needs in order to lead a long, healthy life.

When searching for a veterinarian, you should first ask for references from your friends and family. The best way to receive an accurate impression of a vet’s quality of work is by speaking with his or her past clients.

A veterinarian’s references should assert that he or she is professional, timely, honest and compassionate. The Internet is also an excellent source of information regarding the

quality of a specific animal health care professional. Search for reviews from past clients, and check the business’s reputation with the Better Business Bureau.

After you have narrowed down your choices, feel free to visit the veterinarian’s office in order to receive a personal impression of the professional’s values. The office should be scrupulously clean, and all employees should be friendly and welcoming.

You should observe the interactions

between the office’s staff and the animals that are present. If a large number of pets seem excessively stressed or anxious about their visit, this could be a warning sign that the vet is not as gentle or careful as he or she should be.

You can even chat with the other clients that are present. Ask them about their past experiences with this particular veterinarian. Most clients would be happy to share their stories or recommendations with you.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

Veterinarians Serving Northeast Georgia Since 1967

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YOUR TRUSTED HOMETOWN VETERINARY CLINIC Animal Medical Care (AMC) has one of the newest and largest facilities in Northeast Georgia. AMC was established in 1967 by Dr. John Sundstrom in downtown Gainesville. Since then our clinic has continued to grow to meet the demands of our community. Dr. Denise Funk joined the practice in 1996, and Dr. Potter in 2001.

In 2003 we completed construction and moved into our current facility.

SERVICE WITH A SMILE

GENTLE, CARING, & COMPASSIONATE

We have made it our priority to invest in modern equipment that provides us with information we need to make informed decisions about the health and medical needs of our clients’ pets. We are committed to continual advancement in clinical and surgical techniques to provide the most advanced and cutting-edge technology toward the care of your pet.

We are truly thankful for our clients. We are proud of the relationships that we have developed over the years and look forward to building new relationships with new clients. Being a part of Gainesville for over 40 years has rewarded us with many wonderful friendships and memories.

Our mission is to provide the very best medical care for your pet, using the most advanced techniques and equipment with a personal and caring touch. We are dedicated to providing excellent medicine and first-rate service.

KNOWLEDGE YOU CAN TRUST, EXPERIENCE YOU CAN DEPEND ON

Adding years to life...and life to years

(770)532-1217

M, W & F: 8am - 6pm • T & Th : 8am - 7pm • Sat : 8am - 1pm

984 Thompson Bridge Road, Gainesville, GA ADDING YEARS TO LIFE & LIFE TO YEARS

www.vetamc.com

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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

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Credit unions, like other financial institutions, are closely regulated. An agency of the federal government called the National Credit Union Administration (NCUA) insures credit union deposit accounts up to $250,000. 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 7,500 credit unions throughout the country serving over 80 million members. Here in Georgia, over 130 financial cooperatives serve more than 1,000,000 members. Founded on a philosophy of service, credit unions adhere to the pledge of “People Helping People.”

on their investments.

Because a credit union is a not-forprofit entity that is owned and controlled by its members, proponents convey that earnings are returned to those who belong in the form of higher savings rates, lower loan rates, fewer fees, and expanded services.

Credit unions also 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.

FOUR WAYS TO FIND A CREDIT UNION Credit unions are open to 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 eliCREDIT UNIONS VS. BANKS gible to join a community-chartered What makes a credit union different credit union. from a bank or savings & loan? Like credit unions, these financial institu- If you don’t currently belong to a tions accept deposits and make loans credit union, here are some easy ways – but unlike credit unions, they are to find one to join: in business to make a profit. Banks and savings & loans are owned by 1. Visit ASmarterChoice.org or use groups of stockholders whose inter- the Research a Credit Union Tool ests include earning a healthy return at NCUA.org to search for credit

unions in your area.

2. Ask your family. One in three Americans belong to a credit union.

Chances are you have a family member who 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. Contact Georgia Credit Union Affiliates. Dial (800)768-4282 or visit www.gcua.org to check their online database of credit unions in Georgia.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

CHOOSE A LASIK SURGEON

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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 experi-enced 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 beat 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 FDA-approved.

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 fullservice 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 and, on average, costs $4,000 for both eyes. 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, June 15, 2014

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

GET THE MOST FROM LANDSCAPEING

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leaking or flooding) - Black areas in grass - Plants or trees continuously having problems - Areas where you are having trouble growing plants or trees - Wash-out areas - Check your irrigation. While irrigation is a wonderful source of maintaining the growth and livelihood What exactly is a strong founda- or your lawn and shrub areas, you tion, you ask? Your foundation is should ensure all areas are draining what there is before the grass, sod, appropriately. If you are irrigating shrubs, annual beds and irrigation. an area with a drainage issue, it is The foundation is the dirt ground equivalent to adding poison to your under all of your lawn and your plant or grass areas. lawn’s greatest asset. It is the most 2. ACTION STEPS: important piece of the puzzle when - Seek professional help/ advice it comes to creating a landscape that - Create a proper grade for your foundation you can be proud of.

- Consider retaining walls with The ultimate priority of your lawn’s proper drainage systems foundation is proper grading and - Consider erosion fabrics positive drainage. Without proper - Consider ground cover planting grading your lawn is in danger of - Grassing swelled areas huge drainage issues. Improper - Create dry creeks with stone drainage can create a variety of - Install berms. Berms can create problems: fungus kills your shrubs attractive areas of privacy and also and trees, pests are attracted, it kills your sod and grass area. Everything is affected. There are larger problems that can also be a result of poor drainage. Water with momentum can create erosion problems, carrying silt into our lakes and streams. This erosion removes native top soil which creates poor planting areas and exposes roots of existing shrubbery and trees.

HAT IS YOUR IDEA OF A PERFECT SETTING? Would you say a perfectly mowed lawn, nicely shaped shrubbery and colorful annual beds? Add in irrigation and you are almost there. And while serenity is the ultimate goal for most, in order to get to paradise one must have a strong foundation.

FOLLOW THESE THREE RULES FOR SUCCESS: 1. IDENTIFY THE OPPORTUNITIES: - Standing water - Settlement of backfill around new home (can also cause basement

can help in specific locations, creating small natural habitats and providing beautiful screening.

3. SAVE MONEY/ CREATE A HOBBY: - Visit a nursery or help/advice - Don’t do it all at once. Set your project up in stages.

- Buy smaller plants and watch them grow.

- Have products delivered to your home, for weekend projects.

ONCE YOU ARE SATISFIED WITH YOUR FOUNDATION: 1. Plant shrubs and trees - Take advantage of favorable soil temperatures and moisture conditions.

2. Take special care in using soil amendments; they are a necessary step in successful planting.

3. Around October 15 you should aerate, overseed and fertilize rye and fescue.

4. November is the month for preemergents.

5. Mulch beds to protect your plants during the winter.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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Kick Off the Summer Sale

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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he first thing is to find out what retirement communities are located in the area where you or your relative(s) prefer to live. The weather is an important factor and the proximity to hospitals, doctors, pharmacies, retail malls/stores is important.

It is a good idea to ride around to the various retirement communities to get your first impression of the appearance, architecture and location. It is also good to check the internet Web site of each area retirement community. The Web site will provide key information about the services that are offered and the accommodations.

Other pertinent information may be obtained from the Department of Human Resources Licensing and Survey reports. This information may be obtained via the Internet, at the local Department of Human Resources or at any retirement community that has a licensed nursing wing or assisted living unit. The Dunn and Bradstreet Financial rating, the State Nursing Home Association, The Better Business Bureau and Longterm-Care Ombudsman are four additional agencies where retirement community stability and historical information may be obtained.

INTERVIEW WITH KEY STAFF Call for an appointment and meet the staff; each retirement community is run by an executive director and managers of multiple departments.

These include nursing, marketing, dietary, housekeeping, laundry, social services, recreational activities, maintenance of the physical plant and the grounds, security, business and transportation.

Make an appointment with the director of marketing or the admis-

CHOOSE A RETIREMENT COMMUNITY sions coordinator.

The marketing director will show you around the property and introduce you to the staff and management who will answer any questions you may have. It is important to assess the length of employment of the executive director and key managers, their educational credentials, experience and licenses.

TOUR PROPERTY, ACCOMMODATIONS A tour of the retirement community is imperative to assess the types and sizes of cottages, apartments and rooms associated with each level of care. Safety features, emergency response equipment and handicap accessability are important features of the tour. The tour allows a potential resident to evaluate the size or space needed for their furnishings, the closets and storage space.

The cleanliness and maintenance or upkeep of the property may also be assessed on the tour. Staff-resident interaction, social activities and residents’ appearances may also be observed.

BECOME INFORMED ABOUT SERVICES, ETC. During the initial and follow-up interviews and tour, it is vital to be informed about the amenities, services and levels of care that are provided and included in the admission contract. It is imperative that a potential resident be advised about whether the retirement community is a buy-in or lease arrangement, the price, refund policy, pet policy, etc. All amenities such as meals, housekeeping and laundry/linen service, telephone, cable television, transportation and social activities should be explained.

A full service, multilevel continuum

of care retirement community offers levels of care that range from independent living in villas and apartments, to assisted living or personal care to skilled nursing care. It is preferable to move into a retirement community where a resident may “age in place” and not have to relocate to another property or facility if they should have changes in their condition or require personal assistance or nursing care.

The social or recreational activity program should be assessed when making the decision about your future lifestyle. An activities or social calendar should be available for you to study. A varied program of activities offering mental or sensory stimulating activities, physical activities and cultural entertainment should be included so that a resident has multiple daily options and may be as active as they choose to be.

Examples of popular activities include bridge and other card games, movies, bingo, aerobic exercise classes, exercise equipment for individual or group use, birthday parties, special theme parties and seasonal or holiday celebrations.

Also, outings with provided transportation that include tours of the area, lunches at local restaurants and trips to cultural events should be included in the social calendar. Arts and crafts classes should be available for those who enjoy creative pursuits.

A transportation program should be provided to assure transportation to doctor’s appointments and other essential pickups, deliveries or personal transportation to shop, obtain medications and other essentials since many senior citizens choose to stop driving.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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Relish Retirement We discovered a surprisingly different assisted living community.

Our independent and assisted living solutions deliver value, enjoyment and freedom from the unexpected expenses that come with owning a home.

Enjoy resort-style living with everything from restaurant dining to salon services, movies and a fitness center on site for your complete convenience.

We even offer a memory care neighborhood for residents facing the challenges of Alzheimer’s and other cognitive impairment.

Find out what all the smiles are about; call or visit us online for more information about our vibrant adult community!

3319 Thompson Bridge Road | Gainesville, GA 678-207-2345 | www.holbrooklife.com Call TODAY for more information or to schedule a tour!

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

CHOOSE A MORTGAGE LENDER hen choosing a mortgage W lender, the first thing one usually thinks of is getting the low-

est interest rate available. While interest rates are important, there are other notable considerations, such as choosing a lender you can trust and work with.

THE BEST MORTGAGE All lenders offer a variety of home financing options. A good lender will work with you to find what best suits your individual circumstances.

Most loan rates will not differ widely. However, differences in loan structure can result in large savings of costs to you. Loans may differ in such items as: Term (length of the loan), prepayment options or penalties, processing fees, no-credit fees, etc.

While most mortgages are offered for terms of 15 and 30 years, other terms may be available. Keep in mind that the shorter the term, the less you will pay for your house over the life of the loan. However, the shorter the term, the higher your monthly payment will be.

Your lender can help you decide which loan arrangements are best for you.

• Build a list of lenders. Talk to people you know who have bought or refinanced a home recently. Check with local real estate professionals.

Or simply look in the yellow pages under “Mortgages.”

• Talk to a loan officer. Call or visit the lenders on your list. Get a feel for what it will be like to work with them, and how they approach your needs.

If you’re still uncertain, ask for references from recent home buyers like yourself. Ask about their experience with a particular lender.

• Compare rates for similar loans.

Among the things you’ll want to discuss with prospective lenders are the rates they offer on mortgages. But when comparing rates between lenders, be sure the rates are for comparable loans — and remember to include fees and other costs so you’re

really comparing apples to apples.

It is important to verify that your lender is a member of a state Mortgage Bankers Association. This is a trade association made up of members engaged, either directly or indirectly, in the mortgage lending business. Each member is bound by a strict code of ethics to encourage the highest standards of conduct in dealing with the public and other members. The purposes of the association can be summed up as follows: • Encourage among its members sound and ethical business practices in making, marketing and servicing of real estate loans.

• Inform the members of changes in government laws affecting real estate.

• Provide education to the membership and the public on real estate matters.

In a continued effort to provide consumer education and assure compliance by all members to the canon of ethics, an ethics committee is in place to provide assistance to you. If you have a complaint or need general information, you can reach the Mortgage Bankers Association of Georgia at 912-743-6255.

to obtain a written, rather than verbal interest rate agreement, if you choose this option.

The other option is to let the rate “float,” allowing the final rate and fees to be set nearer the settlement date. This means your rate would be subject to market conditions at the time/date that your rate is locked in prior to the closing.

LOAN APPLICATION PROCESS The Loan Officer will complete the application form and collect all information necessary to begin processing the loan.

Discuss the loan program and terms best suited to your financial needs with the Loan Officer. Then the Loan Processor will verify your loan application information.

The Loan Processor assembles your documentation for submission and final risk approval to the Underwriter, who then forwards your package to a Closer to prepare the closing documents. If denied, a letter outlining the reasons for denial is issued to you.

LOAN CLOSING When the lender approves your PRE-QUALIFICATION loan, it is time to close.

Before you start house hunting, it is Closing the loan and transferring wise to determine your price range. title to the property are the legal proThis can be done through the simple cedures that are handled by a real esprocess of pre-qualification.

To become pre-qualified, a lender or tate attorney.

Realtor will use financial information you provide to estimate the maxi- SUMMARY mum mortgage you should be able As you can see in this brief outto obtain. The process doesn’t guar- line, obtaining a mortgage can be a antee that your mortgage application lengthy and complex process. Along will be accepted, but it does help you the way, there are many opportunities narrow your search to homes you for problems and misunderstandings.

Select a lender in whom you can can afford. have confidence and trust, one you INTEREST RATE PROTEC- can depend on to help you make deTION cisions for your long-term benefit.

When applying for a loan you will Taking time to research the lenders be given an option to “lock in” a in your area just may prove to be the rate, thereby guaranteeing your in- most valuable investment you will terest rate during the processing and make towards the purchase of a new underwriting of your loan. It is wise home to achieve with your eyes.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

PURCHASE A HEARING AID hen a person finally decides they are tired of the strain W they are experiencing to hear

is slipping out of your ear it won’t deliver the sound properly down the ear canal to the eardrum. If it’s family, friends, and loved ones, too tight, that can create other isit’s time to start thinking about a sues that won’t allow you to hear hearing aid. The following are a well. few helpful ideas so that you get what you need, without wasting a These reasons are why purchaslot of time or spending too much ing a hearing aid over the Internet, or mail order, or at the sporting money. goods store is not going to help First of all, there are some fun- you hear. These are simply amplidamentals in hearing that are very fiers; they are not programmed to important to understand. The crit- your hearing loss! Many people ical part of understanding speech get hearing aids through these is to hear the consonants. The s’s, venues and sadly find out they t’s,v’s, etc. are the sounds that give don’t help them hear, and thus speech clarity. A simple word like make the claim “hearing aids don’t “cat,” without hearing the “c,” work”. could sound like “hat” or “mat”.

This is why when a hearing loss Which leads us to where you develops it sounds like everyone is should get hearing aids. First off, mumbling or “they’ve got marbles you don’t have to pay a lot to hear. in their mouth,” because you’re You can get an advanced, multinot hearing the consonants. Each channel, digital hearing aid for no of these critical consonants is at more than $1,000 each. You can specific frequency. Simply put, certainly pay a lot more, but beif you have a hearing loss where these critical consonants are, you will have a difficult time hearing those particular consonants and therefore understanding speech.

This leads us to the two most critical criteria when purchasing a hearing aid. First, it must be digital. Digital is what allows the “programming” per frequency to give the proper amplification per frequency so that you can understand speech. If you get too much amplification, sounds are distorted and not clear; not enough amplification and you simply are not getting the volume you need.

The second most important factor is that it fits your ear well. If the hearing aid is loose, no matter how good the technology is, if it

ware. Make sure you go to a licensed professional that has digital technology and the experience and know how to use the technology, as well as knowledge to make sure it fits your ear well.

Here is a list of things to look for in a retailer of hearing aids: • Free testing and examination • At least a 30-day trial period • Manufacturing • 100% money back guarantee • Advanced digital technology • Full Service department • Multi-directional microphone • Full service earmold fabrication Hearing is a critical part of living.

Hearing keeps you socially active, mentally alert and interesting to be around. Don’t let a hearing loss force you to be withdrawn and socially inactive. With modern technology it is easily fixed. Get help, it is well worth it!

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

PAGE 19

Gainesville Hearing Services 250 John W. Morrow Jr. Pkwy, Suite 113 Gainesville, GA 30501

770-532-5092 • gainesvillehearing.com

NE Georgia’s Home for Hearing Healthcare

Doctor of Audiology and Licensed Hearing Aid Dispenser on staff Locally owned and operated for 20 years More than 30 years of professional experience and education Multiple, well-known hearing aid manufacturers to choose from Quality, competent, courteous service Return Privilege Guarantee Repair & Earmold Lab Waterproof hearing aids available!

If you want choice, experience and reliable courteous service - please come check us out Marilyn Schorn-Bellows, Au. D. CCC-A Doctor of Audiology

Henry C. Williams, B.A. Hearing Aid Dispenser

PAGE 20

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

T

he Times has made a number of recent changes to make it easier than ever to enjoy local news and advertising on digital devices.

To facilitate online readership, The Times has introduced new apps that allow users of iPads, iPhones, iPod Touch, Android phones and Kindle Fire access to an electronic edition of the newspaper at the touch of an icon.

The “Times To Go” apps take users directly to a digital version of that day’s entire newspaper, reproduced exactly as the printed edition comes off the press with all stories and ads included, page by page.

Once there, users have a wide variety of options in viewing the newspaper’s content. The user experience may be slightly different with apps for different electronic products, but in each case basic functions are the same.

When using a Times To Go app you will be directed immediately to the full electronic version of that day’s newspaper. You can then turn page by page to see the full content, including all stories, photos and advertisements. Navigation buttons will help you move around on the pages.

Apps also allow you to view the story elements of the newspaper in a listing format rather than as they appeared in print pages if that is your preference. You may also download or print specific elements of the newspaper.

From the app, you also can navigate to the Times traditional web site, gainesvilletimes.com.

The apps have a search function

GET AN ELECTRONIC EDITION OF THE TIMES that allows you to look for specific items if you choose to do so. You can also share items from the newspaper via social media or through email.

Buttons on the app direct you to specific items of interest, such as classified advertising or obituaries.

The new apps also give you access to archives of recent editions of The Times, just as they appeared in print. Simply click the archive button. That archived content will grow each day with the addition of the newest edition of The Times.

The availability of apps is part of an overall upgrade in The Times efforts to meet the needs of readers in a variety of different formats.

The introduction of the full electronic edition of the daily newspaper gives all visitors to gainesvilletimes.com an opportunity to see the paper digitally just as it was printed. For those visiting the web site but not using an app, a link tab at the top of the home page will take you to the electronic edition of the newspaper.

Times to Go apps are available free of charge at the appropriate app store (search for Times to Go or Gainesville Times), but in order to have access to the newspaper through your app you must have either a print or digital subscription to The Times.

Those who already subscribe can quickly have their account verified for immediate access, and those who aren’t subscribers can do so with just a few clicks by setting up a low monthly credit card payment.

A number of different subscrip-

tion options for print and digital access are available, including a 24-hour option for those who just need access for a single day.

To access The Times website or electronic edition, all users need to establish an online account with an email address, even if they already are subscribers to the print edition.

This is a one-time process and can be done quickly. Help is available if you have problems with setting up an account.

The change to a subscriber based web model comes as The Times is offering a number of new options for readers to get more from their online experience than ever before, including new technology and a focus on more online content.

New premium content with special packages of stories and photos will be added to the site and available only to those who subscribe.

Visitors to the site will be allowed to read a limited number of stories each month at no charge before being asked to subscribe. Once that limit is reached, readers will be asked to subscribe.

Certain content is offered on the web site at no charge, including major breaking news, such as weather alerts. Some limited news content, classified advertising and obituaries remain accessible at no charge.

With a new focus on expanded online content, a new daily electronic edition and apps for the most popular of electronic devices, The Times continues to prove itself as the premier news source for Gainesville, Hall County and North Georgia.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

PAGE 21

Read The Times wherever you are on your favorite mobile devices

*

Features:

• Complete digital replica of The Times • Choose to read in a text-only format • 15-day archive • Comics, weather and more

Search Your Favorite App Store for Times To Go

FREE DOWNLOAD Questions? registrationhelp@gainesvilletimes.com *Internet access required

PAGE 22

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

CHOOSE A PHARMACY

T

oday’s pharmacies are very different than they used to be. In the past it would be common to go into a pharmacy and be greeted by the employees. They knew the customers’ names, and the customers knew their names.

They were small neighborhood stores that did not always have a huge selection, but they treated their customers very well.

Now pharmacies have changed quite a bit. They have become huge stores owned by large corporations, in many cases. They now have a much larger selection of products from which to choose. They carry groceries along with pharmaceutical goods, attempting to get customers to make them a place for one-stop shopping.

With this change into a different store, it is more important than ever to sift out the good pharmacies from the bad. It is important to take several factors into consideration when choosing a pharmacy to service the prescription needs of you and your family.

The two most basic factors to consider when selecting a pharmacy to use are the hours it stays open and its location.

Location is perhaps the most important factor to consider. You need a pharmacy that is close to your house.

If someone in your family gets sick in the middle of the night, then it is nice to know that they pharmacy is only a few minutes away. Some people also select a pharmacy that is on their route home from work. That way they can stop and pick medicine

up from the pharmacy very conveniently on their way home.

It is also very important to choose a pharmacy that has convenient business hours. If it is only open during regular business hours, that does not do you a lot of good when your child gets a bout of diarrhea in the middle of the night.

There are pharmacies open 24 hours a day in almost every city in the United States. On the flip side, small, locally owned pharmacies may have more limited hours but offer better, more personal service than the big stores.

For people who do not have insurance that covers their prescriptions, it is a good idea to call potential pharmacies and ask them their policies on discounts on the prescriptions you use.

Many pharmacies now offer extremely low prices on generic versions of medications, so be sure to utilize a pharmacy that offers this very valuable feature.

If you do have insurance that covers your prescriptions, then make sure that the pharmacy you choose accepts the type of insurance that you carry. Some pharmacies do not accept certain types of insurance, so be sure to ask before you decide on a certain pharmacy just because it is the closest one to your house.

Older patients that are on Medicare need to be careful as well. Some pharmacies do not accept Medicare Part D plans. Due to the fact that there are many different options available on Medicare Part D plans, it is important to make sure that the

pharmacy you select will work with the specific option that you have and cover the medications you need.

Finally, it is important to find a pharmacy that has a personable staff. Do the pharmacists and clerks remember your name? Do the pharmacists take the time to walk you through everything you need to know about your medications? Are they happy to answer questions? Make sure to find a pharmacist that is knowledgeable, helpful and friendly.

It is rare to find a pharmacy that will satisfy every one of these criteria, but with a little searching you should be able to find one that fits your needs perfectly.

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

PAGE 23

We’ve got history in Gainesville!

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935 Green Street • Gainesville • 30501 770.532.6253 • Fax: 770.532.6592

Visit us online at www.callriversidepharmacy.com today!

PAGE 24

The Times How-To Guide Advertising Supplement | Sunday, June 15, 2014

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