How To Guide

Sunday, October 20, 2013

IN THIS ISSUE:

How to get a Car Loan Choose a Credit Union Choose a Garden Center

Find help for Female Incontinence Buy Hearing Aids Choose a Lasik Surgeon Choose a Metal Roof Choose a Technical College Get an electronic version of The Times Choose a Retirement Community Choose a Veterinarian

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

TABLE OF CONTENTS Choose a Technical College ............................................pg 3 Choose a Lasik Surgeon .................................................pg 4 Buy Hearing Aids ..........................................................pg 6 Get an electronic version of The Times ..............................pg 9 Choose a Credit Union ................................................. pg 10 Choose a Retirement Community .................................... pg 12 Choose a Garden Center .............................................. pg 15 Find help with Female Incontinence ................................ pg 16 Choose a Veterinarian .................................................. pg 18 Get a Car Loan ........................................................... pg 21 Choose a Metal Roof.................................................... pg 22

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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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, October 20, 2013

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 Ophth-almology 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, October 20, 2013

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

BUY HEARING AIDS

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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 loss treatment was shown to improve: • Earning power • Communication in relationships • Intimacy and warmth in family relationships • 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-

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

Hearing Instrument Specialists assess hearing and select, fit, and dispense hearing aids and related devices. They provide instruction, rehabilitation, and counseling in the use and care of hearing aids and related devices to enhance communication. They must be licensed by the Secretary of State in the state in which they are practicing. A further certification for hearing aid special-

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 devices. No matter the educational background or experience of the hearing healthcare provider (HHP) you choose to see, you should expect to be treated with dignity and respect as the HHP focuses on your individual requests and needs. After all, it’s your quality of life they should be most concerned with and must select the best possible device for you.

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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GET AN ELECTRONIC EDITION OF THE TIMES The 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

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.

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

CHOOSE A CREDIT UNION 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.

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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.

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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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 Long-termCare 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 admissions

CHOOSE A RETIREMENT COMMUNITY 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, October 20, 2013

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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, October 20, 2013

F ull B loom N ursery

Come shop a true nursery.... We have over 4 acres of perennials, landscaping shrubs, and trees in stock and 6 greenhouses that we propagate and grow plants in. You won’t find a bigger selection of healthy plants at affordable prices so come see why thousands of people in our region have shopped with us!

Thanks to everyone who has shopped with us over the past decade. We are a locally owned family business celebrating ten years in business. We are honored to provide a service to our community, and to be a source of relaxation for our customers. Our plants are healthy and we only sell varieties that are suited for our climate. That means they’ll thrive in our Georgia conditions.

In other words,

“Our Plants Live...... or Die Trying”!

770.842.2345

6662 Holly Springs Road • Clermont, GA Visit our website at www.fullbloomnursery.com for tips and advice on growing vegetables, herbs, flowers, and much more!

Hours: Monday thru Friday from 8 am to 5 pm and Saturday from 9 am to 4 pm

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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CHOOSE A GARDEN CENTER

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s spring draws near, the birds start to come out of hiding and many people begin to turn their attention to gardening. Starting in January, mailboxes throughout America begin to be stuffed with seed catalogs.

Although the perfect looking pictures can make your mouth water, not everyone wishes to start their spring garden from seeds. There are many other options to consider when planning the garden of your dreams.

In many cases you will have more than one choice for a garden center in your area. Choosing the right one for you may be confusing.

Ask yourself what features are important to you. It is simple to become familiar with the industry as long as you pay attention to a few key things.

of good management as well.

IS THE GARDEN CENTER LOCAL OR NATIONAL? Sometimes this can be difficult to determine. In many cases, garden centers may belong to a franchise and get their plants from other areas while having a local management team. This can make it more difficult to have control over the final product that you may buy.

A greenhouse that grows all of their own plants from seeds has full control over their inventory. The closer the plant is grown to where it will eventually be gardened, the better the end results will likely be.

It is important to understand that plants are shipped in very small containers for long distances. This can cause the plants to be subject to HOW LONG HAVE THEY more plant diseases, most of which BEEN IN BUSINESS? won’t be apparent until the plant is The longer a garden center has been already in your garden. in business, the more likely they are to have great service and offer qual- OPEN POLLINATED, GEity plants.

NETICALLY MODIFIED OR Even if the greenhouse or garden ORGANIC? center has changed ownership, it is Anyone who has spent any time diglikely that there has been a continua- ging in the dirt knows the meaning tion of business practices. While the of these buzz words. Recently they length of time in business isn’t nec- have made it to the top of all gardenessarily the only thing to be consid- ing organizations. ered, it is a good indication of sound Open pollinated designates a seed or business practices. plant that will reproduce itself purely Many times when a business is sold if seed is properly saved from the the original owners stay on to pro- fruit of the plant. An organic seed or vide training to new employees and plant has been produced without arowners to help with a smooth transi- tificial or chemical pesticides. Genetition. This process of a smooth tran- cally modified plants are created by sition can often be a good indication laboratory technology that manipu-

lates the plant’s genes. For example, instead of mixing two different kinds of corn to create one that is more resistant to diseases, they may combine genes from corn and a totally unrelated tomato plant. These modifications do not happen naturally in the breeding process.

People are very wary of genetically altered seeds and plants. The truth is that there are many advantages to this type of plant. On commercial farms, this type of plant can give distinct advantages over those that are not genetically modified. In a backyard garden however, this is usually not necessary.

When shopping at a garden center, you should know what types of plants are being offered. Many will have identifying points listed on the tag. If not, you should check with the staff to get information. Generally, commercial crops are more likely to have genetic modification done on them.

There are many other points to consider that will help you make the right decision about a garden center or greenhouse. All else being equal, spend some time visiting all of the options. You may find a combination from several provide you with the best results.

It’s important to feel free to shop around and compare prices. Customer service is also very important.

Generally, gardeners are friendly and knowledgeable and always happy to give you pointers. You should find that the garden center you choose is informative and friendly.

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

Female incontinence is a silent problem for many women. Silent, because most women don’t want to talk about it. Don’t want to admit that they leak urine every time they stand up or can’t make it to the bathroom before they leak stool.

Silent, because they feel isolated and alone. But, these women are not alone.

It is estimated that between 2 and 7 percent of the general population are affected by fecal incontinence.

That number is most likely higher as many are hesitant to discuss their problem even with their healthcare provider. Some studies have estimated that over 45 percent of nursing home patients are incontinent and that their incontinence is often a motivating factor in placing them in the nursing home.

For urinary incontinence, the numbers can be just as high. Incidence can start around 7 percent in younger women and rise to over 30 percent for mature or elderly women.

So, why do women feel so isolated and alone when suffering with urinary or fecal incontinence? For many, it is the embarrassment that leads to isolation. A family picnic cut short by urinary incontinence.

A sudden rush to the bathroom at work to change clothes due to an unexpected loss of stool. It only takes a few of these events for women to begin to feel alone and isolated.

For others, it is the years of try-

FIND TREATMENT FOR FEMALE INCONTINENCE ing to find treatment without suc- continence. Urogynecologists have cess. After trying dietary changes, less fluid, more fluid, medications, pelvic floor exercises and more, women begin to believe that incontinence is something they will have to live with.

Successful treatments are available There are many reasons why women have incontinence. As we grow older our risk of incontinence increases. Childbirth, injury to pelvic muscles or nerves, and other medical conditions are among the many causes. Determining the underlying cause is the first step in finding the best treatment.

Today, there are new and exciting treatments for the many types of incontinence. Advanced surgeries, devices and procedures can provide significant improvements and often a cure for incontinence. While noninvasive therapies such as medications, dietary changes, pelvic floor exercises and others are still successful for some, others may require more advanced treatment. Options for those situations might include surgery. Once thought of as something to be tolerated, incontinence now has options for treatment that can help patients regain the life they want to lead.

Where to go for successful treatment There are specialists available to help women find the best treatment for their particular type of in-

advanced training in this area and are uniquely qualified to diagnose the various types of female incontinence and offer the most effective treatment.

Patients should ask prospective doctors about their additional training and the types of procedures/ surgeries they perform to treat their specific type of incontinence.

Additionally, ask how many of the procedures they have performed and about their success rate. Finding a qualified doctor with experience treating the incontinence issues of women brings patients one step closer to getting back to living life instead of looking for a bathroom.

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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Urogynecology of GAINESVILLE The Center for Female Continence

IT’S TIME FOR YOU TO TAKE CONTROL OF YOUR URINARY OR FECAL INCONTINENCE IF YOU:

• Avoid social engagements • Wear pads frequently or daily • Keep a change of clothes with you • Avoid intimacy or exercise • Plan activities around the location of bathrooms • Feel frustrated or embarrassed about your problem Tel: 706.282.7676 •Fax: 706.886.7280 Toll Free: 866.913.8620

3 OFFICE LOCATIONS: 740 Prince Avenue, Bldg 9, Athens 79 Doyle Street, Toccoa 2350 Limestone Parkway, Gainesville Starting in November 2013

R. Brian Raybon, MD EDUCATION:

North Carolina State University, 1988, BS, BA University of North Carolina at Chapel Hill School of Medicine, 1992, MD RESIDENCY:

Emory University 1992-1996 FELLOWSHIPS:

Department of Gynecologie et Obstetrique, Lyon, France Gynecological Cancer Centre, Sydney, Australia Institute for Special Pelvic Surgery, Baltimore, Maryland

PROFESSIONAL SOCIETIES:

FACOG Georgia OB-GYN Society, Board Member (Urogynecology Member-at-Large) International Urogynecological Association American Association of Gynecological Laparoscopists

Dr. Raybon has trained over 100 physicians in minimally invasive pelvic floor surgeries.

Dr. Raybon has helped hundreds of women regain their active lifestyle through successful treatment of urinary and/or fecal incontinence. Call today to set up a personal and compassionate consultation.

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

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, October 20, 2013

Veterinarians Serving Northeast Georgia Since 1967

PAGE 19

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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How to Guide Ad_Layout 1 4/18/13 3:14 PM Page 1

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

When you are ready to buy a car, chances are that you will need a loan to complete the transaction. Generally, there are two options available to you if you decide to finance your car: A loan through the bank or credit union, or a loan through the dealership.

Getting a Car Loan The process for getting a car loan is similar to the process used for almost any other loan. You will need a credit check, and might need proof of income (although this isn’t always necessary). Your credit score is an important part of your car shopping process when you want to lease or finance your car, since it will determine what interest rate you get, as well as how much you are able to borrow.

As you fill out the loan application, you will need to provide your Social Security Number (so your credit file can be pulled), address, phone number, income, employer information (this includes address and phone number), and information about how long you have lived in your current residences, as well as whether you rent or own. Your application will also include how much other debt you have, and your payment obligations.

Bank/Credit Union Financing One of the best things you can do prior to shopping for a car is to receive pre-approval from a bank or credit union. During this process, the bank or credit union checks your credit, and other factors, and decides

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GET A CAR LOAN Many people are surprised to learn that a large portion of dealership profits come from the loans they originate for car buyers. back. If this is the case, the dealer receives a commission, while someone else services your loan. Some dealers have a relationship with only one finance company, while others have An advantage to bank or credit relationships with several. union financing is that you have the ability to shop for cars from private Sometimes, though, dealer financsellers, as well as from dealers. You ing can be a good option. If there are have more options when sellers see special incentives, it’s possible to get that you have access to the funds you a deal on a loan originated through need to buy a vehicle. Additionally, the dealer. You need to be careful, with pre-approval for bank or credit though, since special deals can disapunion financing, you can compare pear if you pay late. that offer with what is available from the dealer.

Compare the Two It’s best to compare the two beDealership Financing Many people are surprised to learn fore making a decision. If you have that a large portion of dealership a few credit inquiries within a short profits come from the loans they period of time, it is clear that you originate for car buyers. While there are shopping around for a loan rate, are dealerships that also provide the and your credit score won’t drop too financing (and receive the benefit much. Try to get pre-approval for a from charging interest), a large num- car loan before you go to the dealber of dealerships act more like loan er, and then compare the financial deal offered by the dealerships with brokers than lenders. what is offered by the bank or credit In some cases, dealerships send your union. When you follow this plan, information to a variety of financing you have a better chance of getting partners, and different offers come the best deal for you. how much you are eligible for. You receive a pre-approval document, and can then use it as you look for a car.

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The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

W

ith the home improvement boom show no signs of slowing down, many home owners are taking a new look at metal roofs.

Until recently, the term “metal roof ’ referred to the old vertical-seam roof — the kind you’d see covering barns or commercial structures. But that’s all changed, says Frank Farmer, president of American Roofs Inc., in Flushing.

Today’s metal roofs — made of aluminum, steel or copper — are stamped out in presses to imitate the looks of cedar shake shingles, clay tile or slate.

“Anything you see in a traditional roof can be mimicked a metal roof ’ Farmer says.

And they’re perfect for remodeling projects: Farmer says 90 percent of his company’s work is in the renovation market. Metal roofs offer texture and definition, and give today’s homes “a very rich look.”

However, the beauty of a metal roof is more than skin deep. It’s good looking, strong, durable, nearly weatherproof and can literally last a lifetime.

A LONG LIFE While the average metal roof has a higher initial cost than traditional roofs, you can expect metal alternatives to last a minimum of two to three time longer, according to the Metal Roofing Alliance (MRA).

An asphalt roof begins to deteriorate as soon as it’s exposed to normal weather, other roofing materials (wood shingle, shake and tile) all have their own weather-related problems. ‘With these roofs, replacement is usually necessary in eight to 12 years,” says Farmer.

A metal roof, however, will never decompose, and can easily last 40 to

KNOW IF A METAL ROOF FITS YOU HOME’S STYLE 60 years — or more, Farmer says. The oldest aluminum roof in the world was installed in 1880 on the chief secretary’s office building in Sydney, Australia, and it’s still in good condition.

The aluminum cap on the Washington Monument, in place since 1884, looks like it was installed yesterday.

In other words, you can safely consider a metal roof a permanent fixture.

LONG-TERM SAVINGS Because they’re so durable, metal roofs offer long-term cost savings and add to the resale value of your home. A metal roof is practically maintenance-free — all home owners need to do is occasionally hose it down from the ground.

In addition, consumers are pleasantly surprised to find aluminum roofs reflect the sun’s rays, resulting in lower energy bills. “An aluminum roof will reduce air conditioning costs by a minimum of 34 percent,” says Farmer.

In cold climates, a metal roof ’s heatreflective quality allows it to shed snow, which protects the structural integrity of the root. And it can eliminate ice damming at the eaves, so water can’t back up and collect under the roof, or leak into your home.

“Metal roofs will not peel, crack or blister,” says Farmer. ‘There are no footholds for moss or fungus. And every rain just washes the roof.”

EARTH FRIENDLY Not only metal roofing good for homes, it’s good for the environment. The high recycled content of metal roofs — most have recycled content of anywhere from 25 to 95 percent, according to the Metal Building Manufacturers Association — makes them superior to asphaltbased products.

Because a metal roof can often be installed directly over an existing roof without tearing off what’s already there, metal roofing helps reduce shingle waste. The National AssociaNO NOISE tion of Homebuilders notes that 20 Home owners get another surprise billion pounds of asphalt shingles are when they find how noise-free a metdumped into U.S. landfills every year. al roof can be. When installed with solid sheathing, a metal roof will silence noise from rain, hail and bad LIGHTWEIGHT weather as well as, if not better than, MRA figures show a typical metal any other roofing material. “The roof is 50 percent lighter than an tone of the sound is slightly higher,” asphalt shingle roof, and 75 percent says Farmer. “But we’ve had no noise lighter than concrete tile, fiber cement shakes and slate. With metal complaints, ever.” roofing, weight on a structure is never an issue.

WEATHER RESISTANT A metal roof can withstand decades Metal roofs may continue to be of abuse from any kind of extreme the roof of choice for barns for weather — from high winds and many years to come. But more and heavy snow to hailstorms and wild- more, home owners are recognizing fires. Metal roofing has a 120-mph the benefits of these durable, longwind rating, meaning it can survive lasting, cost-effective roofs for their a very strong tornado, says the MRA. dwellings as well. HTG

The Times How-To Guide Advertising Supplement | Sunday, October 20, 2013

PAGE 23

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