Sunday, February 20, 2011 — The Times-Herald — 1D
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How To Choose A Retirement Community T
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. Once you know which retirement communities are to be considered, check the telephone yellow pages and contact the local Chamber of Commerce to inquire about which retirement communities are members. The more established ones will be listed in the yellow pages and the Chamber of Commerce directory. 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-term-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 admissions coordinator. The marketing director/admissions coordinator will explain about the history and ownership of the property, the age, permits and licenses and will provide you with brochures and price lists. 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. A strong retirement community staff is knowledgeable in the areas of geriatrics, the aging process, Medicare, rehabilitation, and all long term care issues. ■ TOUR
PROPERTY AND 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 access ability 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, AMENITIES AND CONTINUUM OF CARE 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, multi-level continuum of care retirement community offers levels of care that range from independent living in cottages 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. An established retirement community will have available vehicles that include cars, vans and/or a bus for individual and group transportation. The safety or security of a retirement community should also be
assessed since this is a primary reason to leave one’s personal home. Twenty-four hour security is preferable and a gated community is a comforting asset. ■ COMMUNICATE WITH RESIDENTS, FAMILIES AND PHYSICIANS Another key way to assess that a retirement community is reputable and stable operationally is to communicate with the residents, their families and friends. Ask pertinent questions about the staff, services, amenities and day-to-day operations and activities. Also, ask your personal physician about local retirement communities, and which ones they recommend for their loved ones and their patients. Also, inquire about the possibility of an overnight visit that includes a few meals and social activities to see if a certain retirement community is a good fit for you. Inquire about the length of stay for most residents and this will give you a good idea about the care and morale of the resident population.
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PRESENTING ANOTHER
A Home of Distinction... free from property tax bills and home maintenance. At Wesley Woods the monthly service package covers utility bills, cable television, 24-hour security and emergency response, chef prepared meals and a fitness center. Join us for lunch and learn more about how you can
...Love Where You Live. Call 770-683-6833 to schedule a complimentary lunch and tour!
7ESLEY 7OODS n (IGHWAY s .EWNAN '!
www.wesleywoodsnewnan.com Wesley Woods of Newnan-Peachtree City is part of Wesley Woods Senior Living, Inc. – a not-for-profit corporation serving Georgia seniors since 1954.
2D — The Times-Herald —Sunday, February 20, 2011
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How To Choose A Financial Planner F
EDUCATION AND CERTIFICATION
inancial decisions have become more complex for most individuals. Twoincome households, increasingly complex tax laws, financial deregulation and a greater variety of saving and investment options have increased the number of decisions an individual or family must make and the difficulty of those decisions. Today both middle- and upper-income families may have a need for a financial planner either at specific times or throughout the life span of the family. Personal financial advisers - also called financial planners or financial consultants - generally assess the financial needs of individuals and provide them with a wide range of options, according to the Bureau of Labor Statistics, U.S. Department of Labor, Occupational Handbook, 2002-03 Edition. Personal financial planners are professionals who design an overall strategy to meet specific financial objectives. Some of the issues they address are retirement planning, estate planning, tax law changes, funding for college and general investment options. Most planners are generalists and offer advice on a wide range of topics. Some specialize in areas such as estate planning or risk management. ■
■
A college degree is not a prerequisite for becoming a personal financial adviser, although many in the profession hold bachelor’s degrees or post-graduate degrees. Certification is not required, but obtaining certifications, such as certified financial planner (CFP) or chartered financial consultant (ChFC) designations, can enhance
An adviser’s work begins with a consultation with the client, where the adviser obtains information about the client’s finances and financial goals.
WHEN TO CONSULT A PLANNER
Major life changes, such as a new job, a raise, marriage, parenthood, divorce, widowhood, or substantial inheritance or other windfall, are events that may prompt consultation with a financial planner. If you are within 30 years of retiring, a financial planner can help you plan for adequate retirement income. Or, if your financial affairs seem generally disorganized and without direction, a financial planner can help you measure where you are now, help you decide where you want to be and design a plan with options to meet your goals. Generally, single persons with an annual gross income more than
$30,000 and married couples with a combined income of $40,000 or more may find a financial planner useful. If you earn substantially more, it is likely a financial planner could help you coordinate the advice you receive from other professionals and consultants such as your stockbroker, accountant and/ or attorney. ■
THE PLANNER’S JOB
An adviser’s work begins with a consultation with the client, where the adviser obtains information about the client’s finances and fi-
nancial goals. Based on the information provided by the client, the adviser draws up a comprehensive financial plan that includes an identification of problem areas and recommends steps to improve the financial status of the client. The plan will contain the adviser’s description of investments that would help the client meet goals, taking into consideration the client’s tolerance for risk, long- and short-term goals and current financial status. The plan may be discussed verbally, but most often it is presented to the client in writing.
Financial advisers recommend an update at least once a year to evaluate the success or shortcomings of the plan and to review any changes that may be indicated. Normal and unexpected events in the client’s life can affect the overall plan, as can changes in the viability of the investments. According to the Department of Labor’s job description, personal financial planners may be involved in buying and selling financial products, such as mutual funds or insurance. Some also assume the management of their clients’ investments.
professional standing. Certifications also assure prospective clients that the planner has extensive training and has demonstrated competency in the area of financial planning. The certified financial planner designation is issued by the CFP Board of Standards, which reviews relevant experience, education requirements and performance on a comprehensive examination. The certifying board also requires adherence to an enforceable code of ethics. The chartered financial consultant designation is issued by the American College in Bryn Mawr, Pa. This designation indicates that the planner’s experience and completion of an eight-course study program have met the board’s requirements. Both designations carry a requirement for continuing education for maintaining standing with the certifying boards. There are no requirements for licensure for personal financial planners who limit their professional activities to evaluating their clients’ financ-
es and making recommendations to reach financial goals. Financial planners who sell stocks, bonds, insurance or real estate as part of their professional activities often are required to obtain professional licenses from the state in which they practice. ■
FEES
Generally, financial planners charge the client an hourly fee for services, or they may charge a specified fee for the specific service performed. A fee for a comprehensive plan may vary depending on the complexity of the plan. When a planner manages a client’s assets, the fee for services may be a percentage of the assets under management. The purchase of any stocks, bonds, insurance, real estate or other investment instruments is a charge incurred by the client in addition to service fees. ■
SELECTION PROCESS
Selection of a personal financial planner requires the same careful process as choosing any professional service provider. Solicit recommendations from your friends and colleagues. Schedule an introductory appointment with at least two professionals so you will have a basis for comparison. Ask about education, experience, specialties, fees and scope of services provided. Assure yourself that the person you select is someone you trust and with whom you feel comfortable discussing personal financial matters. Conduct an interview in much the same way you would conduct an interview with a prospective employee. In effect, this individual, although an independent contractor, will be working for you. After you have selected your personal financial planner, continue to monitor your investments and financial status, working with your planner to evaluate your progress toward your goals and to make adjustments if necessary. In the final analysis, it is your money, your decision and your future.
NOW IS THE TIME TO SCHEDULE YOUR PORTFOLIO REVIEW. When you stop to think about what’s happened in the past year, it’s easy to realize how quickly things can change. That’s why you should schedule your portfolio review today. This is an ideal time to discuss how the market may have impacted your financial goals. Then we can help you decide if you should revise your investments. And even if you don’t need to make changes, it’s still important to evaluate your investment strategy and help ensure it’s still on track with your goals.
Call or visit any of our 4 financial advisors in the Coweta County area. To find an Edward Jones office near you, call 1-800-ED-JONES or visit www.edwardjones.com. Art Holbrook
Tony Bell
Sam Madaris Jr.
CFP®, AAMS®, CRPC®
Bill Whitehouse AAMS®
6 Jefferson Pkwy. Newnan, GA 30263
53 Main Street Senoia, GA 30276
7 East Broad Street Newnan, GA 30263
820 Ebenezer Church Rd. Sharpsburg, GA 30277
770-251-3500
770-599-3981
770-251-8391
770-252-2391
www.edwardjones.com
Member SIPC
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Sunday, February 20, 2011 — The Times-Herald — 3D
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How To Choose A Neighborhood R
eady to look for the address of your dreams? Whether you are moving to town, are looking for your first home or are ready to “move up,� there are a number of questions to ask in order to find the right neighborhood. Most searches start with a windshield tour, driving through neighborhoods that look appealing. If you have friends living in a particular neighborhood already, they can provide lots of first-hand experience. Drive through at different times of the day. Do families walk or socialize outside in the yard? Are pets kept on leashes? Are there lots of small children, or more retirees? Which fits your lifestyle? Once you’ve found several neighborhoods that “feel� right, it’s time to start your detective work. Today most neighborhoods have neighborhood covenants or homeowner association bylaws that set limitations on everything from minimum square footage of homes, to whether you can park your RV in the driveway. Some new neighborhoods also include Public Improvement Districts or PIDs that assess a fee to homeowners each year - usually of several hundred dollars - to pay for shared facilities such as parks and walkways. Are there community facilities like a pool, neighborhood clubhouse and parks? Families with children place a high priority on the schools that serve each neighborhood. Most states have websites with exhaustive information about schools, including rankings and test scores. ■HOME VALUES Next are the proximity type questions: Where are the shopping, the medical facilities and the financial institutions? Since your home is probably your biggest investment, it’s certainly worth investigating how home values in your potential neighborhoods have risen or fallen. In some areas, values have risen
dramatically, while in others they have risen only slightly.
Since your home is probably your biggest investment, it’s certainly worth investigating how home values in your potential neighborhoods have risen or fallen. County tax offices can provide a summary of appraised values by neighborhood, as can most area real estate offices. In general, neighborhoods with higher current prices have also seen the largest increases in values. Resale value is especially important if you expect to be relocating again within a few years. Home appraisals also offer an idea of what taxes will be. If it’s a new neighborhood, spend time with the developer or his representatives, looking at future plans for development for the neighborhood. Give some thought into what the growth patterns of the particular part of town will be, to determine if traffic will get heavier or the outskirts of town will be the middle in 10 years. Country living can offer a peaceful atmosphere at a lower cost, but long daily commutes may not save time or money. Check for the proximity of the neighborhood to employment, highways, entertainment, churches, shopping, parks, schools and hospitals. How close are the nearest police and fire departments? ■OTHER
COSTS Look at the cost and availability of utilities. Cable television is not always available in rural areas, although satellite television is usually an alternative. Spend
time looking at your local newspaper’s web site, getting information about mortgage rates, neighborhoods and a whole lot more. If you’re interested in a new home, local builders can provide information. Meeting your future neighbors is
another great way to learn about the neighborhood. Watch for public events, anything from neighborhood Easter egg hunts to PTA meetings, to get acquainted and ask them how they like the neighborhood. Would they buy there again? Does
it look like everyone takes pride in his or her neighborhood? Are the lawns mowed? Are fences and outbuildings well maintained? Inevitably, choosing a neighborhood is a very personal decision that can be made only after deciding what your needs and
priorities are. Taking all of these factors into account will take some time, but doing your homework is the only way to truly get a feel for a neighborhood and decide whether it’s where you want to make your home.
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4D — The Times-Herald —Sunday, February 20, 2011
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How To Select A Foot Surgeon A
s it sometimes happens, your first encounter with a surgeon may be in the hospital emergency room after you have sustained an injury -- a fractured ankle, for example, or a sprain. But how do you find a specialist when there isn’t an emergency? Here’s a look at what surgeons do and how to choose the one that’s right for you. According to the Medical College of Georgia Health System in Augusta, Ga., orthopaedic surgeons are educated in the workings of the musculoskeletal system. Their expertise includes (but is not limited to) diagnosing a condition or disorder, identifying and treating an injury, providing rehabilitation to an affected area or function, or establishing prevention protocol to inhibit further damage to a diseased area or component of the musculoskeletal system. Orthopaedists may practice general orthopaedics, while others specialize in certain areas of the body, such as the foot, hand, shoulder, spine, hip or knee, or in a specialized area of orthopaedic care (pediatrics, sports medicine or trauma medicine). Some specialists may provide treatment in several areas such as gout, arthritis, heel pain and diabetes and may collaborate with other specialists, such as neurosurgeons or rheumatologists, in caring for patients. Treatment options for patients may include medication for pain or inflammation; therapy, such as exercise and stretching or massage; joint immobilization and other assistive devices; nerve stimulation or surgery. Here are some things you should consider before making your selection: ■ ONE
OF THE FIRST THINGS TO LOOK AT IS THE DOCTOR’S EDUCATION. An orthopaedist may have completed up to 14 years of formal education, including four years of undergraduate education, four years of medical school, five years in an orthopaedic surgery residen-
cy program, and one optional year of specialized education. After becoming licensed to practice medicine, an orthopaedic surgeon becomes board certified by passing both oral and written examinations given by the American Board of Orthopaedic Surgery. An MCG Health System spokesman noted that orthopaedic surgeons have to be recertified every 10 years, so that is a good measure of competency. Next, make sure the orthopaedist you choose has experience in your injury or condition. Chances are, your primary-care physician has already diagnosed your problem and has made the referral, but if you need neck surgery, you don’t want to go to a
hand specialist. If your primary-care doctor hasn’t made a referral for you, ask for a recommendation of the best local orthopaedists. ■ TALK TO YOUR FRIENDS. For common conditions such as arthritis, bunions, etc., you are likely to have co-workers, friends, or family who know a good orthopaedist and will have first hand experience. In addition, an excellent resource is the American Academy of Orthopaedic Surgery Web site, www. aaos.org. ■ ONCE YOU’VE MADE A SELECTION, THINK ABOUT WHAT YOU WANT TO ASK THE DOCTOR. During the course of an appointment, a surgeon will obtain a complete medical history and description of
the problem. Surgeons are skilled in the diagnosis of an injury or disorder, prescribing treatment, recommending rehabilitation, and offering information on prevention. But it’s still important to ask questions and provide information on medications you are currently taking and your medical history. Consider bringing a friend or family member with you to help you remember questions. Don’t be afraid to ask about your doctor’s credentials and experience. Here are some questions recommended by the American Association of Hip and Knee Surgeons: ■ Do you have written materials or videotapes about this surgery that I can review? ■ How much improvement can I
expect from this surgery? What is your experience doing this type of surgery, and how many have you done? ■ Are you board certified? ■ What are the risks involved? How likely are they? ■ What type of anesthesia will be used? What are the risks? ■ What type of implant will be used? What is the track record for this type of prosthesis? ■ Will I have to stop taking any of my medications before surgery? ■ What options are available to avoid a blood transfusion? ■ How much pain is normal to expect and how long will it last? Will I receive medication for the pain? ■ When will I start physical therapy? Will I need home or outpa■
tient therapy? Will I need to arrange for some assistance at home? ■ What limits will there be on activities - such as driving, bathing, climbing stairs, etc.? ■ How long will I be out of work? ■ How often will I need to return for follow-up visits? ■ What complications can arise after surgery? What are the signs of complications? Look for an experienced, wellregarded surgeon, but also look for someone you work well with. Trust your instincts. If a meeting with a doctor does not go well it doesn’t mean they’re a bad doctor or you’re a bad patient, but it may mean the two of you aren’t a good fit. ■
Crossroads Podiatry Dr. Everett J. Mason III Board Certified Foot Surgeon
Medical and Surgical Treatments: s $IABETES s 'OUT s !RTHRITIS s (EEL 0AIN
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New Outpatient Surgery Center! License # 038-343
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770 -251-8940 www.accesspodiatry.com
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Sunday, February 20, 2011 — The Times-Herald — 5D
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How To Select An Assisted Living Residence
A
ssisted living residences are relatively new and rapidly growing providers in the health care field. They can be found nationwide. The variety and availability of services provided are just as varied as the states and communities in which they are located. There are many variations and levels of care provided at Assisted Living residences. The care services range from independent living to nursing home levels of care. Each residence defines the levels and types of care they will provide. It is important to know your care needs and expectations before you begin your search for an Assisted Living residence. It is important to know, not only your immediate, but your long-term expectations and care needs. It is important to explore all the varied care options
offered by different Assisted Living residences. Some important questions to ask are: What services are offered? Are they included in the base price or will there be add on fees for extra services or care? How are the fees determined? Is the resident or family informed and included in any changes before they occur? What financial commitment will be expected at entry into the residence? What happens if the money runs out? What other funding sources can the residence utilize? What care can you expect to receive for the quoted fee? When and what types of care exceed the capabilities of the residence? Can you use outside providers such as family or hired care providers to supplement your care
needs? What will happen when your care needs exceed the capabilities of the residence and how will you be informed when this occurs? What services and care are provided by the residence and what outside care providers are available? Can the residence accommodate special dietary needs? Are all meals, snacks and/or supplements included in the base fee? Are meals prepared on premises or transported from another location? Are housekeeping and laundry services available? Are they included in the base fee or extra? What specialized services are available?, i.e. incontinence care, therapy, exercises, injectable medications, treatments, wound care, etc. Is the residence handicap accessible? Can special accommoda-
tions be made in the living environment? What activities and socialization opportunities are available? Are they on or off premises or both? What is the residence survey history? Are copies of the residences licensure and compliance records available for inspection? Are there any outstanding compliance issues? What do the residents say about the community? What do family members say about the care? What does the Better Business Bureau, Chamber of Commerce, Long-term-care Ombudsman and licensing agency say about the community? Do they have a resident or family council and what, if any, issues have been addressed? Is the residence responsive to resident and family inquiries and input?
What is done in medical emergencies and what emergency care is available? What are the credentials and background of the management and direct care staff? What are the staffing patterns in a 24 hour day and during the week and weekends? How do you access management staff and direct care staff if issues arise? What is your overall impression of the management staff, care staff, residents and the living environment? Trust your instincts, if it just doesn’t feel right, it probably isn’t the right residence for you. Be sure to explore all your options. Leave no question unasked and no question unanswered. Don’t be afraid to look around and ask questions. This is going to be the home of someone very special and their safety, sense of well-being and care is very important. Does it feel like a place you can call home? Senior Housing: Senior housing is also a fast growing and varied market. Senior housing ranges from low income and subsidized housing to resort accommodations. Senior housing developments range from single occupant units to high rise buildings. A variety of accommodations and services are available to the residents in Senior Housing developments. There are many reasons for making the decision to make a move to a Senior housing development. Here are some important questions to ask in making the decision as to what is right for you and makes you feel at home: What type of housing best meets my needs? An apartment, cottage, maintenance free? What are my short and long-term needs? Will I require the availability of supportive services? Are health and medical support services available and how will I access them in the development? Is someone available on premises to respond to security, medical or maintenance issues? What type of financial commit-
ment is required? What if my health changes will I lose any money I’ve invested in the development? If my financial resources are limited what other funding sources are available? What limitations are set on pets, visitors, and decorating of the interior and exterior of the unit? Will I retain the right to make choices in my living arrangements or will the community management govern those choices should my care or health status change? What recreational and social events are available? Are they included or at an additional fee? Are transportation services available? Are they included or at an additional fee? What services, shopping and resources are available in the surrounding community? If the Senior housing has other levels of care such as Home Health, Assisted Living or a Nursing residence associated with it; how do I access those services? Who decides when I will be required to make a move or change? What security measures are in place? What is the surrounding community like? Are current residents available to visit with? What do the residents say about the living there? What does the Better Business Bureau, Chamber of Commerce, and local housing authority say about the development? What are the credentials and background of the management and staff? What are the staffing patterns during the day and during the week and weekends? How do you access management and staff if issues arise? The decision to move into any type of assisted living community is important. Asking the right questions and getting the answers to those questions is the key to assuring a successful transition. Trust your instincts, if it just doesn’t feel right, it probably isn’t the right move for you. Be sure to explore all your options.
Why is
Savannah Court “The Talk of Coweta County?” “Our family patriarch, Thomas A. Glanton, has been a resident of Savannah Court for 9 wonderful years. “Pop” is 98 and counting! The care and services he receives from the Savannah Court team are incomparable and outstanding.” Tom P. Glanton “We visited several assisted living residences in the area and we made the perfect choice for mother, Dorothy Jordan. The residents and staff are kind and offer warm affection to the residents. Their experience with seniors shows in all that they do. We could not be happier!” Dr. Harold Jordan “My wife and I have lived at Savannah Court for nearly 8 years. We wanted a warm home full of loving people. As a bonus, there are so many programs to keep us busy! We also enjoy each afternoon, spent together on the rocking chair front porch. We wouldn’t live anywhere else.” Reverend and Mrs. Sidney Gresham “I have over 38 years of experience in working with seniors and am so proud to be the Executive Director of Savannah Court. It is our associates who make our assisted living community “special.” The warmth of the decor, the individualized care offered to each resident, the programming and volunteers are also wonderful. But it is the loving kindness shown to our residents that creates the magic of Savannah Court.” Brenda Mitchell, Executive Director
A signature community of
6D — The Times-Herald —Sunday, February 20, 2011
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How To Choose An Internet Provider doesn’t mean they’re universally horrible. Many nationwide providers have radically different service quality in different parts of the country. Once you’ve taken an informal survey of your neighborhood, take your search online. Head to the library or use the Wi-Fi at your local coffee shop to see what people are saying about your potential ISP. Also be sure to check with sites like Speed Test to see how your ISP’s speed compares to others in your area.
COMPARE SPECIAL ADD-ONS AND OTHER FEATURES ■
These days, it seems everyone is logged onto the Internet. People surf the Worldwide Web from almost anywhere today around the clock – from home or the office or the mall or you name it. And with such overwhelming usage comes the importance of both quality and reliability a user’s internet connection. That’s why it is so important – whether it’s at home or at the office – to have the best Internet Service Provider (ISP) that can deliver just what one is looking for. But how do you find an ISP that meets your high standards? There are some questions to ask and comparisons to consider when selecting the best ISP. ■ WHAT CONNECTION IS RIGHT FOR YOU?
Broadband is one place to start. It is a class of data transmission methods where a single wire carries several signals at once. For home and most business Internet access, your principal broadband choices are cable modems,
which run on Cable TV wiring, and several varieties of DSL (Digital Subscriber Line), which run on standard copper telephone lines. If you decide to go with broadband, check with a local TV cable company first. If it provides suitable cable modem service, that’s probably your best bet, both for speed – cable modem service is fast (unless it’s oversubscribed) – and for cost – it’s generally less expensive than other broadband alternatives. If it doesn’t, then by all means consider DSL. Why is speed so essential? Consider this, imagine if you worked at the office and all of your coworker’s connections to the company’s servers and online resources were 25-or-more times faster than yours. Who do you think would get more done? So, when working from home, fast Internet service is critical in allowing you to perform as well as (or better than) if you were physically at the office. If you’re not working, but love to play online games, share photos,
download music and movies or other high-bandwidth activities, DSL or cable is the way to go. And if you are just looking to check e-mail and read some news? It may sound archaic, but a good old-fashioned, dial-up connection might be the best choice, especially budget-wise. Dial-up is cheap. Just don’t expect blazing speeds, and be prepared to wait a few days for that movie to download.
COMPARE ISP DOWNLOAD AND UPLOAD SPEEDS ■
Technology has come a long way since having to choose between the original dial-up services from AOL, Prodigy and CompuServe where one speed fit all – slow. These days, some companies offer one speed and others offer multiple speeds. In making your decision on the best ISP, make sure you can compare on an apples-toapples basis. An example might be if your telephone company has a plan with 15 Mbps (Megabits per second) download and 5
Mbps upload speeds, compare it to the closest available plan with the same speeds from your cable company. ISPs do offer similar services at competitive pricing, so download and upload speeds may tip your decision one way or another. ■
BUNDLED SERVICES
Chances are in Coweta County you will get your internet access by either cable through a cable company or DSL through a phone company. And when using the same provider for internet, TV and phone, a ‘Bundled’ package is certainly a viable option where you get one monthly bill for all three services. It certainly saves you time since only one search is needed for a provider instead of three. ■
CONTRACT TERMS
Some ISPs require at least a oneyear contract, while others are generally month-to-month. Most also offer unlimited Internet access at a flat rate.
It is also vital to be aware of any service cancellation fees before deciding to terminate a contract and switching providers. Another thing to remember, especially if you work from home, is that small businesses are sometimes offered specials by providers, like unique data speeds, email features and pricing. And individual users might qualify for those same business specials if by telling the provider’s customer service representative that you work from home.
ASK OTHERS YOU TRUST FOR AN OPINION ■
Chances are your neighbors have some opinions on ISPs in your area. Ask them which company they use and whether or not they like it. Be sure to find out if they’ve had problems and how good the ISP was at solving their problems. And remember, just because you had a horrible experience with a company at your last residence
When it comes to hardware, some ISPs offer free wireless routers, while others require the purchase of equipment. Be sure to include the cost of any additional hardware needed in your comparison. Service providers are also offering – in some instances – free online backup services, personal webpage hosting, anti-virus program subscriptions and more with their respective plans. A particularly useful free add-on for mobile workers is free Wi-Fi hotspot access, available from the major ISPs in certain service areas. This add-on alone may sway a decision toward one ISP versus another, since a user would have the ability for both home Internet service and complimentary mobile connectivity ■
WHEN WIRE IS NOT AN OPTION
In some of the more remote areas of the region, you might not have broadband speed by wire. Instead, you will have to literally look to the sky. Cellular networks are able to provide internet service through a USB (Universal Serial Bus) or PCI (Peripheral Component Interconnect) wireless card. Speeds approach broadband speed. It might be a little more expensive, but depending on how you use the internet, it could be worth every penny. Besides, you’ll get to take your internet connection with you wherever you go.
Sunday, February 20, 2011 — The Times-Herald — 7D
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How To Choose A College hand look. Contact the admissions office to find out when their tours or visitation days are scheduled. You’re going to learn much more with one visit than all the brochures in the world. Check out the atmosphere of the campus. Is it attractive? Are the people friendly and helpful? Or are you treated like a stranger or an intruder? Be sure to take a look at the town in which the college is located. Is it geared toward students? Are shopping and entertainment easy to access? These issues might not seem so important at first glance, but they can have a dramatic effect on your college life. Make notes! Make lots of notes!
The college visit should give you a reasonable feel for what it would be like to live on that campus.
T
he best college for you is not always the one with the most recognizable name. It’s not always the biggest, or most popular. The best college is the one that fits your personality and career goals, the one where you can get the education needed to succeed, while feeling most at home and comfortable. Do not underestimate the value of feeling “at home” during your investigation of colleges, because the place you choose will literally be your home for the next four years. You need to enjoy being part of the daily campus life. Finding the one that most closely matches you involves doing some homework and a little bit of legwork. ■
START EARLY
When thinking about choosing a college, start planning early. It takes time to gather the information you need, plan visits, apply
for admission, and secure housing. While it might all seem like a big adventure (and it is), looking at the process very logically, you are moving into a new phase in your life and literally moving to a new place. You need to be sure you make the right choice so you do not regret your selection a few weeks or months into your first year in college. You should begin applying to any colleges you think you are interested in as soon as you have your SAT/ACT score. That way you know early which ones have accepted you for admission, and which ones haven’t, allowing you to move on and make an informed selection.
careers that might appeal to you. Explore your interests by visiting your counselor’s office and by asking professionals you know about their careers. You might even visit a career center at a college near you. They have written or computer-driven tests to help you pinpoint the kind of jobs that will help match your strengths and desires. While you are talking with your counselor or other adults about careers, find out what kind of education it takes to succeed in those fields. You should be able to at least identify a general direction of study: sciences, humanities, or business.
WHAT ARE YOUR INTERESTS?
Once your general or specific educational goals are in mind, study brochures from colleges you would like to consider. You’ll find plenty of information to help you narrow your search. Virtually
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While many students are unsure about what they want to do for a career, and many change their minds while in college, you still need to think about the kinds of
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NARROW THE SEARCH
every college has a Web page. Explore what each offers. E-mail the admissions staff for more information or to answer your questions. You should find the staff eager to help you and quick to respond. Ask about accreditation. Keep in mind that every school strives to have its programs recognized by accrediting agencies. It’s their seal of approval from the professional world, showing that they offer the kinds and quality of courses you need to be successful after graduating. ■
ASK ABOUT HOUSING
Would you live in a dorm or an apartment? Is the campus spread out, making it tougher to get from place to place, or compact, so you can easily get to classes, meals and recreational activities? Find out about the size of classes. It’s important that they are small enough so you can get to know your professors, and they, you.
Are they willing to work with you during office hours or after class if you need help? Does the college offer tutoring, should you need it? If you have physical disabilities, how accommodating is the college? Can you get in and out of buildings easily and find your way around campus? Explore financial matters. Talk with your parents about the cost of college and how much they can help. Then investigate what scholarships or loans are available to help out. Don’t forget that the cost of college isn’t just tuition and fees. There’s also the cost of housing, meals and books. Can you handle a part-time job while going to school? Many students work in local stores, restaurants or offices to help pay for college. ■
LOOK AND LISTEN
After narrowing your choices to two or three colleges that seem appealing, it’s time to take a first-
Bring along your camera or camcorder so you can relive the experience a few days later. You might not think so, but even two or three visits to places as complex as a college campus can get confusing without good notes about each school. Write down your impressions of everything as you experience them. The college visit should give you a reasonable feel for what it would be like to live on that campus. Ask yourself if you and this college are a good fit. Finally, when your decision is narrowed, team up with your counselor for some help applying for admission and financial aid, if needed. Apply to more than one school, if possible, always leaving your options open, just in case your first choice doesn’t work out. College is a great adventure! Start it with good preparation and it will be among the most exciting and rewarding times of your life.
8D — The Times-Herald —Sunday, February 20, 2011
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How To Care for Your Feet Y
ou can proactively and naturally affect your entire body by taking good care of your feet. Even if you have never thought of proper foot care as a priority for better health, it is not too late to begin to address this all-important part of your body. Think of your feet like the wheels on your car; when the wheels on your car are not properly aligned or balanced, the entire ride and wear and tear on your car are affected. In the same way, improper balance and alignment in your feet can negatively affect your body in a number of ways. In many cases, when your car’s wheels are out of alignment, there is no noticeable difference until there is some age on the tires. Only then can you see how the daily wear and tear has unevenly affected your tires. The human body is exactly like that. Poor alignment of the foot bones is not noticeable at first, but as age increases the years of improper bone alignment and the resulting improper balance take their toll in several ways. It is a medical fact that the fat pad on the bottom of our feet disappears with age and is not replaceable. In years past, people walked barefoot on soft ground and on uneven ground. This supported their arches and gently kept the tendons and ligaments flexible and stretched for optimal functioning. That seems to be how our feet were intended to walk. Now, nearly all of us walk on hard surfaces exclusively, even if on carpeting. The cushioning and support in our shoes cannot match how gravity and hard surfaces interact. Because of gravity, our feet absorb many times what our body weight is in every step we take. On average, our feet absorb about 1,000 tons of weight in a single day. This is why 87 percent of us have feet that hurt, and even young people are experiencing chronic foot pain. ■
PROPER SHOES
Wearing good shoes that fit properly is part of the solution. This gives our feet the proper home.
of our energy and proper health. In fact, many people discover that their feet are actually different and require slightly different supports and pads. The end result is better balance, improved posture and natural improvement in overall health. A word about the cost; the amount of money spent on proper foot alignment is substantially less than the medical bills that are incurred to treat the symptoms of improper foot alignment. Investing in properly fitting arch supports and pads can be a smart economical decision in the long run.
Once proper balance and posture are achieved, the entire alignment of the body produces positive results from the foot bones, knees, hips, and spine. Our toes need room to move freely while walking. Buying shoes that are the correct shoe width is very important also. Most people wear shoes that are actually too tight for their feet, causing their toes to cramp together in an unnatural way. ■
ARCH SUPPORTS
It is important to have arch supports in our shoes. These provide the support for tendons and ligaments in the entire foot. The area between the heel and ball of the foot is where the musculature needs to be supported. No shoe on the market provides the kind of arch support that seems to be necessary. Arch supports need to be made of materials that are hard yet flexible. The supports also need to fit the foot. Mail order or other one size fits all products are not specifically
fitted to each foot and most likely won’t fit most feet as an individually-sized arch support will. ■
CUSHIONS
Since the fat pad on the bottom of the feet disappears with age and is not replaceable, we need to either have proper cushioning in our shoes or put cushions in our shoes. If an arch support is placed into a shoe, a cushion should be placed over it. Remember that cushioning is not sufficient by itself. Without the right size shoes and adequate support in the arch, one will still have foot pain.
How arch supports are pro-active, natural health devices: ■
BALANCE
Having support under the arch is a magical thing. It actually changes our center of gravity. Simple bio-
mechanical balancing proves this to be true. ■
POSTURE
The kind of change that occurs with support in the arch area and the resultant change in one’s center of gravity produces postural change. This can be shown by measuring one’s height with arch supports and without them. Even more amazing is that posture is changed for the better even while sitting. ■ KNEE, HIP AND SPINE ALIGNMENT
Some knee, hip and spine-related pain comes from deficiencies in posture. When arches are supported, many find the pain they had in these areas is reduced and even disappear. This only makes sense considering how important posture is to our musculature.
Once proper balance and posture are achieved, the entire alignment of the body produces positive results from the foot bones, knees, hips, and spine. Many of the ailments we experience from foot pain, knee strain, back pain and headaches can disappear. Where do you go to get help? Many people try mail order or over-the-counter solutions. As mentioned before, the one size fits all concept is why shoes are inadequate by themselves. No shoe can offer proper support due to the varying sizes and shapes of our feet. Over-the-counter products suffer from the same shortfall. A visit to an arch support store where the foot is carefully measured and specially-made arch supports and pads are provided for each foot can be the beginning of the end of a number of problems that rob us
The Top Five Things You Should Know... Wearing well-made shoes that fit properly -- in both length and width -- is part of the solution to proper foot care. ■ There are not many shoes on the market that provide the arch support needed for the tendons and ligaments of the foot. ■ Cushions are necessary to replace the fat pad on the bottom of the foot that disappears as we age. ■ Arch supports are beneficial for healthy balance, posture, and knee, hip and spine alignment. ■ A visit to an arch support store where the foot is carefully measured and specially-made arch supports and pads are provided for each foot can be the beginning of the end of a number of problems that rob us of energy and proper health. ■
KEEPING LIFE IN MOTION Experience Life Without Ankle & Foot Discomfort
Joseph D. Giovinco, DPM, FACFAS Gregory Alvarez, DPM, FACFAS W. Kevin Pearson, DPM, FACFAS Nick M. Gabbay, DPM, FACFAS Ketan B. Patel, DPM, FACFAS Michael F. Dombek, DPM, FACFAS Robert B. Weinstein, DPM, FACFAS Scott R. Roman, DPM Gordon W. Patton, DPM, FACFAS Christopher Menke, DPM G. Clay Taylor, DPM, FACFAS
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