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guide 2015
Experts in Rehabilitation
Our Moving Forward program is designed for those striving to restore abilities lost due to stroke, cardiovascular difficulties, orthopedic surgery and other debilitating conditions. Programs vary in frequency and intensity and include physical, occupational and speech/languagetherapies. Our goal is to return our participants home safely with the skills they need to continue life on their own terms.
• Newly Remodeled Suites with TVs, Phones and Refrigerators • Therapy Services provided 7 Days/Week • Vital Stim Certified • Transportation Provided
Get back to living
Life Yto our its Fullest! “Where caring people make the difference!”
ASCSeniorCare.com
LB
Lamb-Basham Memorial Chapel 226 E. Washington, Oakland City • 812-749-4024 Jerry L. Basham Locally Owned & Operated Since 1891
www.lambbasham.com
Doyle Funeral Home
“A Funeral Ministry with Warmth and Understanding” 520 S. Main St., Princeton, IN • 812-385-4334 doylefuneralhomeprinceton.com
231 N. Jackson St., Oakland City, IN 47660
A Nursing Home Ask A Lot Of Questions About Any Nursing Home You’re Interested In. Examples: • Do people you talk to regard this as a good nursing home? • Has the state licensing agency found an unusual number of violations here? • Does the home have enough staff, especially nursing assistants, to give residents the care and personal attention they need? • Are staff friendly, considerate, and helpful? • Are residents treated with dignity and respect? • Are there a lot of staff changes because workers leave? • Do staff do their jobs well? • Does the nursing home provide the special services your loved one needs? • Are there always enough linens and other supplies? There are many ways to go about • Are families concerned about fee selecting a nursing home that will be increases or extra charges for right for you. Besides researching supplies or services? state inspection reports, getting word • Is the “quality of life” good-such of mouth recommendations and things as choices of food at meals looking at promotional literature; and which clothes to wear, a home nothing is more valuable than the like environment, and interesting or insight you gain from making entertaining activities? personal visits. Visit more than one • Does the nursing home have an nursing home, and visit more than active resident council? An active once. Ask a lot of questions, and trust family council? your feelings about the places you • Are there some really good things visit. about this facility?
How To Choose....
It is vital for your family member that you spend a considerable amount of time researching the nursing home before you send them to the home. It is much easier to pick a good home in the beginning than it is to choose a poor home and have to go through the many obstacles to improve the care or try to transfer your family member to another facility. It is important not to judge the nursing home on the basis of a guided tour or the nice furniture and wallpaper in the lobby. You must remember that, especially in a for-profit nursing home, they put a lot of effort in marketing to convince you to bring your family member to their home. The pictures of happy grandmas in their brochures, nice dining rooms and landscaped entrances do not give you an idea of the quality of the basic care that your family member will receive.
Find out as much as you can about each nursing home. A good way to do this is to talk to: • The long-term care ombudsman, who visits nursing homes and investigates complaints. • Doctors, nurses, hospital social workers, clergy, and other professionals who are familiar with nursing homes. • Family members and friends of people who live in the nursing homes. • Residents of the nursing homes. • Nursing home employees, especially nursing assistants, who give 90 per cent of the care.
July 2015
Planning Planning ahead is one of the best ways to ease the emotional stress when seeking a nursing home. If you are helping a relative or a friend find a nursing home, involve them in the process as much as possible. If the person is mentally alert, it is essential that their wishes be considered every step of the way. By planning ahead and educating yourself and your family about nursing home care and services, it will become a much easier transition when you can no longer put off admitting someone to a nursing home. It will also put the future resident’s mind at ease to know what
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812-749-4774
to expect in the admission process and the first few days in their new home. • Visit rooms where various therapies and recreational programs are held. • Observe the dining area, beauty salon and the schedules for each. • Inquire about security measures, especially for residents who have a tendency to wander. • Ask about facility policies regarding use or installation of telephones, cable television and bringing personal items into the facility. • Observe how the staff meets with you and how they interact with other residents during your visit (are they respectful, caring, and attentive?) • Observe if the residents are occupied, supervised, satisfied, well groomed and if the rooms are personalized. • Is the facility free of overwhelming unpleasant odors? • Is the home clean and wellmaintained? • Do chairs and other furniture seem sturdy, attractive and comfortable? • Is the facility well lighted? • Taste the food, is it good? • Are the residents who need help eating receiving assistance? • Are there hand rails in hallways and grab bars in bathrooms? • Is the temperature comfortable? • Do patients’ rooms have windows? What You Should Know • Do not choose a nursing home on the basis of a guided tour or the nice furniture and wallpaper in the lobby. • In selecting a nursing home make personal visits. • Ask a lot of questions about any nursing home you’re interested in. • Planning ahead is one of the best ways to ease the emotional stress when seeking a nursing home.
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Non Profit Charity Organizations
How To Choose....
ABATE of Indiana, Inc: Region 13 (American Bikers Aimed Toward Education) 812-724-2063 E-mail: pd3triker@yahoo.com Adult Literacy Group of Gibson County, Inc. Princeton Instructional Center of Ivy Tech 2431 S. Crabtree Drive PO Box 1134, Princeton, IN 47670 812-215-6138 www.gibsoncountyadultliteracy.org E-mail: alpg@outlook.com American Foundation for Suicide Prevention Indiana Chapter (State-wide) 812-779-6986 Local E-mail: ddrainbolt@live.com E-mail: Indiana@afsp.org www.afsp.org/Indiana www.OutoftheDarkness.org Facebook: Out of the Darkness Walk & Suicide Prevention of Gibson County Facebook: American Foundation for Suicide Prevention - Indiana Chapter American Legion Johnson-Curd Post #256 211 E. Washington St. Oakland City, IN 47660 812-749-8178 E-mail: johnsoncurd256@gmail.com Celebrate Recovery Every Friday Night at Enon General Baptist Church 3467 S US Hwy 41 Princeton, IN 47670 812-385-2122 Doulos Family Services, Inc. 1153 E. 150 S. Princeton, IN 47670 812-386-9283 www.doulosfamilyservices.org E-mail: mjones@doulosfamilyservices.org Facebook: Doulos Family Services Downtown Princeton, Inc. Phone: 812-385-1922 Fax: 812-386-6054 127 N. Hart St., Princeton, IN 47670 E-mail: director@downtownprincetonin.com www.downtownprincetonin.com Facebook: Downtown Princeton Indiana
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Fort Branch Community Pride 104 N. Main St., Ft. Branch, IN 47648 812-615-0039 E-mail: FortBranchCommunityPride@gmail.com Facebook: Ft. Branch Community Pride Francisco General Baptist 102 N. Main St. Francisco, IN 47649 812-782-3634 www.fraciscogbc.com Gentle Shepherd Church of God 8350 E. 350 N. Francisco, IN 47649 618-262-3906 Facebook: Gentle Shepherd Church of God Gibson County Community Foundation 127 N. Hart St. Princeton, IN 47670 812-386-8082 www.gibsoncountyfoundation.org Facebook: Gibson County Community Foundation Gibson County Council on Aging 212 S. Richland Creek Dr. Princeton, IN 47670 812-385-2897 Habitat for Humanity of Gibson County 1302 W Brumfield Avenue Princeton, IN 47670 812-385-2434 ww.gibsoncountyhabitat.com E-mail: greg@gibsoncountyhabitat.net Knights of Columbus #2215 PO Box #34 117 S. Main St. Haubstadt, IN 47639 812-779-7977 E-mail: haubstadtkofc2215@gmail.com Oakland City Lions Club PO Box 113 Oakland City, IN 47660 812-677-0728 Facebook: Oakland City Lions Club
Princeton Lady Elks #634 302 N. Hart St. Princeton, IN 47670 812-385-2518 Facebook: Princeton Elks Loge 634 Princeton Kiwanis Every Wednesday at noon at Gibson General Hospital Health & Education Room 812-664-3503 Purdue Extension – Gibson County / Gibson County 4-H 203 S. Prince St., Suite B, Princeton, IN 47670 812-385-3491 www.extension.purdue.edu/Gibson Salvation Army 202 S. Gibson St. Princeton, IN 47670 812-386-6577 www.corps.salvationarmyindiana.org/ princeton St. Stephen’s Community Church PO Box #335 12152 S 200 E Haubstadt, Indiana 47639 812-768-6479 Facebook: St. Stephen’s Community Church Suicide Awareness and Prevention of Gibson County 1556 E. Broadway St. Princeton, IN 47670 812-677-1509 Facebook: The A Team News The Education Center Mailing address: 2944 E. Carithers Rd. Princeton, IN 47670 Physical address: 1104 S. Stout St., Princeton, IN 47670 812-664-2693 E-mail: educationcenterinc@yahoo.com www.educationcenterinc.wordpress.com Facebook: The Education Center Inc.
Princeton Elks Lodge #634 302 N. Hart St. Princeton, IN 47670 812-385-2518 Facebook: Princeton Elks Loge 634
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July 2015
424 W Tennessee St, Evansville, IN
Air Conditioning
How To Choose....
How Do I Choose An Air–conditioning System? Selecting a central air conditioner is an important decision, since the air conditioning system is a home’s largest energy user. The right AC system makes a home comfortable and efficient. The wrong one can cause discomfort, humidity and maintenance problems and increase your utility bills. Purchasing an AC unit is one of the largest investments — both at purchase and in operating costs — homeowners can make in their property. As with any major purchase, the more information you have the better decisions you can make. What Should I Know Before Looking? Making an informed AC equipment choice means: • Selecting a reliable heating, ventilating and air conditioning (HVAC) contractor. • Getting a thorough load calculation completed on your home. • Purchasing an efficient, properly sized HVAC system. • Choosing a thermostat that provides comfort and encourages efficient energy use. How Do I Select An HVAC Contractor? When searching for a conscientious, licensed, bonded contractor always contact your regional Better Business Bureau to make sure the contractor you select has a satisfactory rating. The regional office should be listed in the business white pages in your local telephone directory. The contractor you select should complete a cooling load analysis, and a humidity load analysis. In addition, the contractor should provide service after the installation and an AC operation manual. What Is A Cooling Load Analysis? A cooling load analysis calculates how much heat enters your home in one hour when the outdoor temperature reaches 95 degrees. This analysis ensures that even at 95
July 2015
812-425-9131 Shekell.com
degrees your AC capacity will be “size” refers to the combined cooling sufficient to remove the unwanted capacity and dehumidification heat. An incomplete cooling load capacity. A cooling load analysis analysis can cause you to make a gives the required size of the AC unit poor AC choice. Many contractors based on the largest expected heat simply estimate the cooling load and gain of the house. Cooling load and the size of equipment you need based equipment size is expressed by only on the square footage of the BTUH (British Thermal Units per home. Often this rule-of-thumb Hour) or TONS; one TON of AC approach used one TON of airequals 12,000 BTUH. Many conditioning per 500 square feet of contractors simply add 25 to 30 floor area. This estimate usually percent to the cooling load analysis results in improper equipment size. A to account for humidity. In many reputable contractor will complete a homes this short cut can actually load calculation that also includes a increase humidity levels reaching 30 humidity load. If you are replacing a to 50 percent of the total cooling unit, a load analysis should be done analysis. In humid areas, it is by a HVAC contractor to determine if important to have a cooling load the older unit size is really analysis that gives the humidity gain appropriate. including moisture from outdoor air, cooking, showers and washing. What Should The Calculation Consider? J.E. Shekell Assessment Heat passes through the walls, roof, Will Show Us windows, and doors and is generated Your Home’s Needs by people in the home. The load At J.E. Shekell we’ve been keeping calculation should consider all of the homes comfortable and in good following heat and humidity factors: condition since 1978. Let our team of • Surface area of the walls, attic, Home Comfort Specialists inspect windows, and doors your homes HVAC system. We’ll talk • Type and thickness of the about cooling needs based on the insulation in the walls, attic and factors that affect your home such as floors • Construction of the walls, floor humidity levels, construction, size of and roof the system best for you and cost of • Type, size, orientation and long-term operation. Call familynumber of windows owned J.E. Shekell. Customer • Orientation of house satisfaction is our cornerstone. • Permanent exterior shading • Occupant activities • Kitchen, bath, and laundry equipment What You • Ventilation needs Should Know • Outdoor air infiltration • Purchasing an AC • People capacity of the home unit is one of the largest (using two persons per bedroom) investments Many other factors can increase a homeowners can make home’s humidity. Cooking, extra in their property. people in the house, lighting, and • Contact your regional moisture from the bath, houseplants, Better Business Bureau kitchen or laundry contribute to to help you make a indoor moisture and increase the decision on an HVAC home’s cooling load. contractor. How Is Equipment Sized For A Home? Air conditioning equipment is available in many different sizes for different types of homes. The term
Princeton Daily Clarion, Oakland City Journal
• Air conditioning equipment is available in many different sizes for different types of homes.
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425 N. Main Street, Princeton, IN, 47670
812-385-5221
How To Choose....
A Funeral Home
323 N. Main Street, Oakland City, IN 47660
812-749-4021
Here Are Some Questions You Should Ask When Selecting A Funeral Home
Materials To Pick Up While At The Funeral Home
What Do Funeral Directors Do?
Choosing A Cemetery • Make sure the cemetery is licensed. • Check the cemetery’s reputation by talking to friends, local clergy and the Better Business Bureau. • Inspect the cemetery yourself. • Ask questions. How do they handle complaints?
What Is A Funeral And Why Have One?
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Princeton Daily Clarion, Oakland City Journal
Points To Remember • Visit several funeral homes before deciding on one. • Check the funeral home’s reputation by talking with friends or clergy first. • Make sure the person handling your funeral arrangement in your time of need is licensed. • Plan ahead if possible, but that doesn’t necessarily mean pay ahead.
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July 2015
Here for you and your family
Colvin Funeral Home 425 N. Main Street, Princeton, IN, 47670
812-385-5221
Corn-Colvin Funeral Home 323 N. Main Street, Oakland City, IN 47660
812-749-4021
www.colvinfuneralhome.com
July 2015
Princeton Daily Clarion, Oakland City Journal
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812-385-8857 800-659-4862
Hospice How To Choose Hospice Care Hospices offer services to help people facing a terminal illness live as fully as possible until they die…and to help family members support them along the way and to go on with life after the loss of their loved one.
www.deaconessvnaplus.org
How To Choose....
hospice-trained registered nurses, aides, social workers, therapists and spiritual care staff. Volunteers also play a significant role in hospice care by providing companionship to the patient, homemaking assistance, respite for family caregivers or clerical support to the hospice agency; some also share special The roots of hospice date back to talents such as music therapy, ancient times; and even though the massage or pet therapy. Volunteers American hospice movement has who are part of a Medicare certified been around for several decades, hospice agency must participate in an many misconceptions about this care intensive training program before still exist. For example, hospice is assisting patients and families. not just for people with cancer. It is not just medical care. And it is not a Most hospice care takes place in the particular place where you go to die. home, provided by the hospice team Rather, hospice is a philosophy of along with informal caregivers care that encourages people to learn including family, friends or to accept death as a natural part of neighbors. Hospice may also be life; to maintain control of their lives delivered in assisted living or a and participate in decisions as much skilled nursing facility; or in an as possible; to ensure that pain and inpatient hospice center if pain and other symptoms are well-managed; symptoms cannot be adequately and to address the physical, managed in another setting. emotional and spiritual challenges created by serious illness, separation Paying for Hospice and death. Congress enacted legislation in 1982 that created a Medicare hospice Hospice is generally for individuals benefit. Today, Medicare, Medicaid with a life expectancy of six months and most private insurance offer a or less if the disease or condition hospice benefit that covers the cost of follows its normal course as certified medications related to the terminal by the patient’s personal physician. illness, necessary medical equipment Hospice is similar to palliative care and supplies, and the services in that it provides comfort measures provided by the hospice team. to the dying person as well as support Hospice agencies typically have staff to family members; with hospice, that coordinates insurance and however, treatments specifically payment; many agencies offer aimed at curing the person’s illness options for financial assistance to are stopped. If hospice patients live those unable to have their care beyond the six-month timeframe–as covered. The hospice benefit also some do–they may still receive includes bereavement support to hospice services as long as a family members–usually for up to 13 physician continues to certify their months following the patient’s death. eligibility for this care. Value and Cost-Effectiveness of Hospice The Hospice Team In comparison to hospital and skilled Hospice care relies on the combined nursing facilities’ costs, hospice is knowledge and skill of a team of recognized as cost-effective, with professionals who oversee and hospice charges per day substantially coordinate an individualized plan of lower than care in other settings. care for each patient. This team Cost-effectiveness, however, is not generally includes a physician who the sole rationale for hospice care. It serves as the medical director; plus is important for terminally ill
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Princeton Daily Clarion, Oakland City Journal
individuals to decide how they want to spend their remaining time, where they want to be and what is significant and meaningful to them as they face the end of life…and then to have conversations with their families about these wishes. Hospice can help facilitate this process while alleviating the discomfort, pain and depression that often occur as the disease progresses. In fact, the most common sentiment hospice agencies report hearing from families is “we wish we would have called you sooner.” How to Make a Decision First, talk with your physician. He or she can help you determine when the time is right for hospice care. Next, learn about the hospice services available in your area; visit with representatives from any hospice agency you are considering. If the patient lives in a nursing home or assisted living facility, discuss the issue with the social services or administrative staff; these individuals should be able to provide you with information about hospice agencies in the community. If you know of others who have used hospice services, talk with them and find out if they were satisfied with the care they received. Although all hospices provide the same basic services, how those services are delivered will vary from hospice to hospice. And finally, remember that you and your family always have the right to choose which hospice you use–and to change providers if you are not satisfied with your care. And if you have a change in your condition–or a change of heart–you also have the right to discontinue hospice care either temporarily or permanently. Hospice is about you and your life. For more information and resources on hospice care, please visit the website of the National Hospice and Palliative Care Organization at www.nhpco.org.
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July 2015
It’s About You and Your Life.
Deaconess VNA Plus Hospice
supports patients and families in living each day— in ways that are personal and meaningful— by providing expert physical, emotional and spiritual care in your home, in facilities including Deaconess Hospital, and in the inpatient John and Betty Charlier Hospice Center. You are not alone.
The Charlier Center...the Tri-State’s only freestanding inpatient hospice center, located on the Deaconess VNA Plus campus in Evansville.
812-385-8857 800-659-4862
www.deaconessvnaplus.org Medicare/Medicaid Certified Not-for-Profit Serving Our Communities Since 1888 July 2015
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A Physician Many of these questions have no right or wrong answers. It just depends on what fits the patient’s needs.
But finding the right physician is not always easy. Since people require different things from their physicians, it’s difficult to provide blanket guidelines to find a good doctor. But there are some basic tips everyone can find useful.
Be Honest Patients should be upfront about what they are looking for in a physician and ask questions to find out if the doctor they are seeing will fit their needs.
How To Choose....
Everyone Eventually Gets Sick Sooner or later everyone gets sick, so sooner or later everyone needs a doctor.
Sometimes it may take several visits to different doctors to find one that a Basic Tips A good first step is to ask friends and patient can relate to and feels family members who have had good comfortable with. experiences with a physician. If a doctor is in attentive, doesn’t get Second, contact clinics and hospitals along with the patient or the patient is uncomfortable talking with the in your area. physician, they may want to seek another doctor. A good doctor is a combination of someone with good medical skills Staff Is Important, Too and good interpersonal skills the A doctor’s staff can be a reflection patient can relate to. upon the physician. The best way to find out if a doctor has these qualities is to ask questions. For example, a good doctor should have a staff member explain why a patient has to wait a long time. Where did the doctor go to school? Where did they do their residency? Patients in turn need to be patient, Where did they intern? because emergencies can happen. Is the doctor board-certified in his or The next time the emergency could involve the patient that once had to her area of specialization? wait. Finally, payment for medical Patients should ask about after-hours services must be considered. coverage. Who handles it and how is Patients need to make sure doctors it done? they are looking at take their insurance. If patients don’t have Another important question is how insurance, they need to make sure often the doctor wants to see the they can reach a payment patient. Do they want to see the arrangement with the doctor. patient on a regular basis or just when they are sick? Finding a good doctor is not an easy task. The right relationship between a Preventive health services can be important to some patients. Does the doctor and a patient is different for every person. The task is further doctor provide screening exams, complicated by the fact many people immunizations and other such don’t regularly see a doctor. services? What about office hours? Is the doctor’s office open in the evenings or on weekends? How does the doctor’s office handle scheduling? What other services does the clinic offer? At what hospital is the physician on staff?
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Patients should also know any medications to which they are allergic, and the nature of the allergic reaction. They should also be prepared to give the doctor a good personal medical history. The history should include any past or present chronic conditions, any family history of diseases such as diabetes, cancer or heart disease and a list of surgeries the patient has had. Patients may also want to write down any questions they want to ask the physician. Despite the difficulties, finding the right doctor can increase the length and quality of a patient’s life.
Patients need to do their part to help doctors in the relationship. The Initial Visit When seeing a new physician, a patient should bring any medication they are taking and should be able to put in writing why they are taking the drugs.
Princeton Daily Clarion, Oakland City Journal
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Important Points • Get references from family and friends. • Ask questions. • Be upfront about what you are looking for. • A doctor’s staff can be a reflection on the physician. • Payment for medical services must be considered. Questions To Think About • What doctors are covered by your insurance? • What are the doctor’s qualifications? • Do you and the doctor communicate well? • Can this doctor provide what you require from your primary care physician?
July 2015
July 2015
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LET AN AGENT WHO KNOWS GUIDE YOU. Princeton 812-386-3222 Evansville 812-867-3222
MIDWEST REAL ESTATE
www.RMWRE.com Page 10
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July 2015
Princeton
A Realtor
MIDWEST REAL ESTATE
Who Is A Realtor®? The terms broker and REALTOR® are often used interchangeably, but have very different meanings. For example, not all brokers are REALTORS®. Learn who is a REALTOR® and the reasons why you should use one. As a prerequisite to selling real estate, a person must be licensed by the state in which they work, as a broker. Before a license is issued, minimum standards for education, examinations and experience, which are determined on a state by state basis, must be met.
How To Choose....
sale in a particular region. How often do you cooperate with other local brokers on a sale? • What have you listed or sold in this neighborhood lately? • Do you cooperate with buyer’s brokers? • What share of the commission will you offer a cooperating broker who finds the buyer? And in addition to the criteria mentioned above, there are a number of very important reasons you will typically prefer to work with a REALTOR®. Among them is the fact that they adhere to the NAR’s highest standards of ethical conduct and professional After receiving a real estate license, most Brokers go on to join their local training. association of REALTORS® and the NATIONAL ASSOCIATION OF What A Realtor® Will Do For You ® Some of the duties your REALTORS , the world’s largest REALTORS® will perform for you professional trade association. They include: can then call themselves • Walk through the process of REALTORS®. The term“ REALTOR®” is a registered selling your home from beginning to collective membership mark that end. identifies a real estate professional • Provide comparable information who is a member of the NATIONAL about the prices for which other ASSOCIATION OF REALTORS® properties have sold and analyzing and subscribes to its strict Code of data for you to gain a true Ethics (which in many cases goes comparison. beyond state law). It is the • Supply information regarding REALTOR® who shares information local customs and regulations you on the homes they are marketing, may want to consider. through a Multiple Listing Service • Share information about your (MLS). Working with a REALTOR® home through the Multiple Listing who belongs to an MLS will give you service and on the Internet. access to the greatest number of • Place advertisements for your homes. home. • Field phone calls. The following are important • “Qualify” potential buyers to questions to ask a potential agent: make sure they would be financially • Are you a REALTOR®? able to buy your property. • Do you have an active real estate • Prepare and present a sales license in good standing? To find this contract. information, you can check with your • Alert you to potential risks. state’s governing agency. • Comply with the disclosures • Do you belong to the Multiple required by law. Listing Service (MLS)? Multiple • Provide you with an estimate of Listing services are cooperative the closing costs you will incur. information networks of • Help you prepare for a smooth REALTORS® that provide closing of the transaction. descriptions of most of the houses for
July 2015
Princeton Daily Clarion, Oakland City Journal
812-386-3222 Evansville
812-867-3222 The Top Five Things You Should Know… 1. Look for a Broker who is a member of the local board or association of Realtors®. 2. A Broker should explain and disclose their role and who they represent at the serious first contact. 3. The Broker should advise you on preparing your home for the market. 4. Be sure the professional shows enthusiasm, listens well, instills confidence and has a personality that is complementary to yours. 5. The Broker should research your property and provide data on nearby homes that have or have not sold. Selling or buying on your own is not an easy undertaking. It requires a significant amount of time to study the process, understand your obligations, and do some of the complicated work that a real estate sales associate does.
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A Staffing Agency Select An Agency As You Would A Professional Service Provider. Choosing a staffing agency is a lot like choosing a professional such as a doctor or lawyer. You want an experienced professional, with the capabilities to handle your needs and the capacity to provide an effective solution to your problems quickly and as frequently as necessary.
118 N. Main Street, Princeton
How To Choose....
a positive impact on the efficiency and profitability of the client company. Safety training provided to your temporary employee workforce will make them more alert and proactive and can aid in reducing workplace in jury and lost productivity as well as contributing positive statistics to your companies safety record when it is reviewed in inspections and audits. Experience in Look for an agency with a substantial handling worker’s compensation history of service to the community. liability and unemployment insurance This is a good indicator of experience are essential as these are recurring issues in any company. Agency staff and knowledge, as well as stability and longevity. Another indicator to should be familiar with the governing laws and the state government look for is certification and agencies that oversee these issues, membership in accredited and the agency must have sufficient professional organizations. liability coverage for their temporary and contract employees otherwise the You should expect a qualified staff burden will fall back on the hiring who have expertise in specific employment fields and are familiar company. with the types of positions and skills An agency should be able to work that are typically required for individuals who fill those positions. with you as if it were your partner. It should have the capability not only to A significant capability to look for is meet your current need, but also have there sources and services available how the agency determines your to fulfill your future needs. It is needs, develops a solution and important that a staffing agency have provides service. A clear and the capacity to handle the volume of comprehensive process for discovering and defining needs and demand for their services - not only from your company, but also from issues is an indication of the the rest of the agency’s clientele. An thoroughness and quality of the services that will be provided. This agency that has offices in several locations is more likely to have process will help reduce costs and sufficient staff and flexibility to meet provide a dead-fit solution that the needs of your company as well as exactly matches your needs. The be able to serve clients with multiple agency should be able to test locations and different levels of applicants and candidates with service needs. A local office will also standardized tests for personality, have knowledge about the conditions behavior, aptitude and vocation to determine their skills and skill levels in the local market for hiring companies and temporary workforce. and provide an assessment of how A capability that is an indicator of successful these prospective employees might be in a position and capacity is the variety of experience and service that an agency can how well they would fit into your company. They should also be able to provide. The ability to provide a range and level of services from a do pre-employment assessments single event to multiple projects and which can include background locations demonstrate the agency’s checks on employment history, personal references, criminal record flexibility in designing solutions and providing service. The variety of and drug screening. experience with projects and companies can improve the Additionally, the ability to provide efficiency of determining needs and training for candidates to prepare them for a job, as well as training and delivering solutions, which can also reduce both time and costs in development for companies to improve their productivity, can have designing and implementing a
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812-386-7410
solution. A large menu of services covering a wide range of personnel and human resource functions can be another indicator that an agency has the necessary capacity to handle current volume and future demand. What Are The Benefits To Your Company In Using A Staffing Agency? - Flexibility - you can upsize or downsize a temporary workforce to match your production requirements and defer all the costs of hiring regular full time employees until you are ready.- Capacity -you can grow your business faster by taking advantage of this flexibility gained from using an out sourced temporary workforce.- Savings -you can keep the deferred costs savings for the future or use it to support other business functions.- Focus -you dedicate your time and resources to your area of expertise - running your business.
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The Top Five Things You Should Know... 1. Clear and defined process for determining need and designing & delivering solutions 2. Wide variety of services to handle immediate requirements and fulfill future needs 3. Qualified staff with specific areas of expertise 4. Testing & assessment and training capabilities 5. Certifications and memberships in accredited professional organizations
July 2015
Introducing compatible candidates and companies is what we do best.
Connecting Career Paths
Attract Top Talent to Your Business With Our Employer Services. Recruiting • Advertising • Screening • Evaluation
Full-Time, Part-Time, Contract & Temporary Opportunities Administrative • Executive Financial • Accounting Customer Service
HIRING?
Talk to a staffing solutions expert today about finding the right fit for your business.
812-386-7410
118 N. Main Street, Princeton | 812-386-7410 July 2015
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A Financial Advisor
How To Choose....
Like most people, you probably are plenty busy with your work and family. So you may not have the time and expertise needed to thoroughly understand the investment world. That’s why you may want to work with a professional investment representative. But how do you find the right one? You can start by asking the right questions. Here are a few to consider: • Have you worked with people in my situation? — As an investor, you have your own special set of characteristics: level of assets, stage of life, long-term goals, etc. Before you sign up to work with an investment professional, you need to make sure that he or she is comfortable working with someone like you. • What are your credentials? — Inquire about an investment professional’s qualifications. Make sure anyone you might work with has all the necessary securities licenses. • What is your investment philosophy? — Just like investors, investment professionals have different investment personalities. Some might be naturally more aggressive, while others are conservative. But the ideal professional is someone who will provide you with guidance that’s based on your risk tolerance and investment preferences. • How will you communicate with me? — You’ll want to make sure that your broker will communicate regularly with you. Find out when you’ll receive statements and how often you’ll meet in person to review your portfolio. Will you receive email with suggestions and recommendations? Are you free to contact your broker at any time? If the broker is not available, is there someone else that he or she works with who will be familiar with your situation? It’s important to find these things out as soon as possible. Remember, you’re entrusting this
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Chris S. Barthel
118 S. Main Street, Princeton, IN 47670 Phone 812.386.7727 • Fax 812.386.7729 thebarthelagency.com • chris@thebarthelagency.com
person with your financial future — so you have a right to expect open, honest and frequent communications. • What sort of resources do you have to draw on? — Find out if a prospective investment professional has access to highquality research and technical expertise in key areas, e.g., investments, insurance and estate planning. In some cases, a broker may be able to bring in added expertise through a relationship with another professional, such as an attorney or accountant. • How do you get paid? — Investment professionals get paid in a variety of ways: fees, commissions, percentage of assets under management, or even a combination of these. You need to know, right from the start, how your broker is getting compensated. • Can you provide me with references? — A lot of people are too shy to ask for references. However, a reputable financial professional will be happy to give you some names of people you can call. Of course, you shouldn’t expect a broker to provide you with the specifics of other clients’ financial transactions. But you should be free to ask about a broker’s style, responsiveness, etc. You may need to interview several candidates before you find a suitable investment professional. But it’s worth the effort. Making the right choice today can pay off far into the future.
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Tax preparation can be complicated. So, if you do want some personal help, you’ll need to turn to a professional. But how can you find one? Should you just look in the Yellow Pages under “Tax Preparation?”
You could, but there are better ways. Start by asking your friends or relatives who they use. If they can recommend someone they’ve had good experience with, seek this person out, but don’t automatically hand over your 1040. Before you sign on the dotted line, ask some questions. Here are some you might want to use: Are you accredited? A lot of people claim to be “tax preparers,” but they’re not all experts - or even professionals. Make sure the preparer you’re considering has the proper credentials, either as a tax attorney, a certified public accountant or an “Enrolled Agent” - someone who can present you before the IRS in case of an audit. Usually, all these people are required to attend continuing education classes - a big plus for you, since it means they’ll be familiar with the latest tax law changes.
Do you have experience working with people like me? This might be the most important question of all. You’ll want someone who is familiar with your general situation. For instance, if you’re self-employed, you’ll want someone who has worked with people like you, and who knows all the various deductions you can claim, the business expenses you can write off, etc. Can I reach you when tax season is over? Tax preparers work very hard during tax season. In fact, some of them work so hard that they take several months off when the season is over, but you could have a question about your taxes at any time. Maybe you want to know the tax consequences for converting a traditional IRA to a Roth IRA. Or maybe you want to donate some appreciated stock to a charity and you want to find out how this might affect your tax picture for the year. Dozens of issues could arise outside tax season - which is why you’ll want to pick someone who’s available the year round.
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July 2015
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Princeton Daily Clarion, Oakland City Journal
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A Used Car
How To Choose....
An Introduction To Buying A Used Car Purchasing a new vehicle is often an exciting experience, especially since buying a car is usually the second largest acquisition one will make in a lifetime, next to buying a house. You can choose exactly what you want, the car is readily available, the warranty is fresh, and obviously the car is new and free of problems. These are all reasonable points, but the option of buying used has many benefits. Quite obviously, most consumers opt for used cars for financial reasons. Simply put, the price of a used car may be 50 percent less than the latest model even if the used model year is fairly recent. Depreciation is the factor behind these savings, as the new vehicle drops in value the moment it is driven off the dealer’s lot. In fact, during the first year alone a car will depreciate at least 20 percent, and will continue to drop in decreasing increments every year thereafter. The prospective used car buyer can take advantage of a vehicle that is only a few years old, but is mechanically and physically sound, still looks terrific, and has a great price tag. With the incredible savings, you can get practically the same vehicle as the latest model and save money, or a higher end model that one could normally not afford can be purchased for much less. The latter scenario can often buy a vehicle with more performance, safety, and luxury features that you might need, but would be out of reach if purchased new. Buying a used car through a dealer has become less of a challenge, although consumers should still educate themselves and arrive at the dealership armed with information. The used car you have in mind should be researched online for consumer reports, manufacturer recalls and blue book price. Online services such as Kellybluebook.com or upnorthautos.com, will provide quick and easy quotes on vehicles so that you do not overpay for a used vehicle. Other Web sites such as “CarFax Lemon Check” will provide the vehicle
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820 S. Main, Princeton A Name You Can Trust!
812-386-8282 theautoparke.com
highways, and in stop-and-go traffic. history by running the Vehicle 8. Have the car inspected by a Identification Number (VIN) through a mechanic you hire. thorough check. 9. Keep in mind the reputation of the dealership for honesty and integrity Using these resources and comparing the information gathered to local dealer whenever looking at new or used websites and used vehicle publications vehicles. 10. If you buy a car “as is,” you’ll will give you a solid basis for making a reasonable and educated offer on a used have to pay for anything that goes vehicle. These guidelines also apply to wrong after the sale. The Used Car Rule generally doesn’t apply to private private sales, although you should be sales. aware that most of these vehicles are sold “as is” and the sale is final. Again, online research will reveal the vehicle’s Five Steps To Buying Used Cars: Step One: Decide what type of vehicle history. meets your needs. Step Two: Locate a used car from a With the progress being made at the local dealer’s classified ads, or through dealership level with used vehicles, buying a “nearly new” car has become online classified services such as a practical option. Combined with the UpNorthAutos.com. This will provide you with available vehicles and prices numerous reputable online services providing insider information much of in your area. the uncertainty traditionally associated Step Three: You may want to run a Carfax Record Check on the car. with used cars has been eliminated. Before you buy, simply type in the VIN With patience and thorough research, into their form and you will see if it has you can avoid paying too much and will leave a dealer or private sale with been stolen, in an accident, had the speedometer tampered with, number of an excellent vehicle. owners, etc. This step can save you thousands of dollars. Visit Carfax.com Whether you buy a used car from a for details. dealer, a co-worker, or a neighbor, Step Four: Figure out your auto follow these tips to learn as much as insurance costs up front. Don’t wait you can about the car: until the last minute to find out that — Examine the car yourself using an inspection list. You can find a checklist insurance costs are too high. Once you in many of the magazine articles, books have an idea of what you want you can and Internet sites that deal with buying get an insurance quote from your agent. Step Five: Protect your vehicle with an a used car.— Talk to the previous extended warranty (Service Contract). owner if possible, especially if the It makes good sense! An extended present owner is unfamiliar with the warranty protects you from mechanical car’s history. breakdowns that can cost you an arm and a leg. It is one of the few insurance 10 Tips For Buying A Used Car 1. Check out the car’s repair record, policies you can buy where you may get your money’s worth. maintenance costs, and safety and mileage ratings in consumer magazines or online. 2. Look up the “Kelly Blue Book” • The Top Five Things You Should Know ... value, and be prepared to negotiate the 1. Keep in mind the reputation of price. the dealership for honesty and 3. Buying from a dealer? Look for integrity whenever looking at new the Buyers Guide. It’s required by a or used vehicles. federal regulation called the Used Car 2. Test-drive the car under varied Rule. road conditions — on hills, 4. Make sure all oral promises are highways, and in stop-and-go traffic. written into the Buyers Guide. 3. Ask for the car’s maintenance 5. You have the right to see a copy record. If it’s not available, contact of the dealer’s warranty before you the dealership or repair shop where buy. Warranties are included in the most of the work was done. price of the product; service contracts 4. Have the car inspected by the cost extra and are sold separately. mechanic of your choice. If you are 6. Ask for the car’s maintenance thinking of buying a used vehicle, it’s important to shop around for the record from the owner, dealer, or repair vehicle you want, beginning with a shop. local business that you trust. 7. Test drive the car on hills,
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July 2015
Voted “Best of the Best� used car dealer in Gibson County.
e
A Name You Can Trust!
The Auto Parke Team
812-386-8282
820 S. Main Street, Princeton, Indiana 47670
www.theautoparke.com July 2015
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Princeton Daily Clarion, Oakland City Journal
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July 2015
A Mortgage Lender
How To Choose....
When choosing a mortgage lender, the first thing one usually thinks of is getting the lowest interest rate available. While interest rates are important, there are other notable considerations, such as choosing a lender you can trust and work with. The Best Mortgage All lenders offer a variety of home financing options. A good lender will work with you to find what best suits your individual circumstances. Most loan rates will not differ widely. However, differences in loan structure can result in large savings of costs to you. Loans may differ in such items as: Term (length of the loan), prepayment options or penalties, processing fees, no-credit fees, etc. While most mortgages are offered for terms of 15 and 30 years, other terms may be available. Keep in mind that the shorter the term, the less you will pay for your house over the life of the loan. However, the shorter the term, the higher your monthly payment will be. Your lender can help you decide which loan arrangements are best for you. • Build a list of lenders. Talk to people you know who have bought or refinanced a home recently. Check with local real estate professionals. Or simply look in the yellow pages under “Mortgages.” • Talk to a loan officer. Call or visit the lenders on your list. Get a feel for what it will be like to work with them, and how they approach your needs. If you’re still uncertain, ask for references from recent home buyers like yourself. Ask about their experience with a particular lender. • Compare rates for similar loans. Among the things you’ll want to discuss with prospective lenders are the rates they offer on mortgages. But when comparing rates between lenders, be sure the rates are for comparable loans — and remember to include fees and other costs so you’re really comparing apples to apples. It is important to verify that your lender is a member of a state Mortgage Bankers Association. This is a trade association made up of members engaged, either directly or indirectly, in the mortgage lending business. Each member is bound by a strict code of ethics to encourage the highest standards of conduct in dealing with the public and other members. The purposes of the association can be summed up as follows:
July 2015
• Encourage among its members sound and ethical business practices in making, marketing and servicing of real estate loans. • Inform the members of changes in government laws affecting real estate. • Provide education to the membership and the public on real estate matters. In a continued effort to provide consumer education and assure compliance by all members to the canon of ethics, an ethics committee is in place to provide assistance to you. Pre-qualification Before you start house hunting, it is wise to determine your price range. This can be done through the simple process of pre qualification. To become pre-qualified, a lender or Realtor will use financial information you provide to estimate the maximum mortgage you should be able to obtain. The process doesn’t guarantee that your mortgage application will be accepted, but it does help you narrow your search to homes you can afford. Interest Rate Protection When applying for a loan you will be given an option to “lock in” a rate, thereby guaranteeing your interest rate during the processing and underwriting of your loan. It is wise to obtain a written, rather than verbal interest rate agreement, if you choose this option. The other option is to let the rate “float, “allowing the final rate and fees to be set nearer the settlement date. This means your rate would be subject to market conditions at the time/date that your rate is locked in prior to the closing. Loan Application Process The Loan Officer will complete the application form and collect all information necessary to begin processing the loan. Discuss the loan program and terms best suited to your financial needs with the Loan Officer. Then the Loan Processor will verify your loan application information. The Loan Processor assembles your documentation for submission and final risk approval to the Underwriter, who then forwards your package to a Closer to prepare the closing documents. If denied, a letter outlining the reasons for denial is issued to you. Loan Closing When the lender approves your loan, it is time to close. Closing the loan and transferring title to the property are the
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legal procedures that are handled by a real estate attorney. Summary As you can see in this brief outline, obtaining a mortgage can be a lengthy and complex process. Along the way, there are many opportunities for problems and misunderstandings. Select a lender in whom you can have confidence and trust, one you can depend on to help you make decisions for your long-term benefit. Taking time to research the lenders in your area just may prove to be the most valuable investment you will make towards the purchase of anew home.
The Top Five Things You Should Know ... 1. All lenders offer a variety of home financing options. They will work with you to find your best choice. 2. Most lenders use certain formulas to determine how much mortgage to offer you. 3. Not all interest rates or mortgage loan programs are equal. 4. Build a list of lenders. Talk to Builders, Realtors, Attorneys and other professionals in the industry to check a lender’s reputation for good service, as well as their level of experience and trustworthiness. 5. Members of the Mortgage Bankers Association of Georgia subscribe to a canon of ethics. Verify that your lender is a member of the local or state Mortgage Bankers Association. Keep in mind that the shorter the term, the less you will pay for your house over the life of the loan. However, the shorter the term, the higher your monthly payment will be. Your lender can help you decide which loan arrangements are best for you.
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812-385-8857 800-659-4862
Home Care
How To Choose....
How To Choose In-home Care Many services are now available at home to help people who are disabled or who are recovering from a hospital stay, coping with chronic illness or facing the challenges of aging regain and maintain their independence. While typically associated with the elderly, home care can also significantly benefit people of all ages, including children and families. In fact, one out of every four people currently receiving home care is under age 65. What services are available? In-home care includes both skilled home health care and non-medical private duty care. Regardless of the type of care provided, each person’s home care program must be tailored to match his or her individual needs with appropriate services. A variety of home care staff may be involved in the plan of care and some services may last longer than others. Home Health Care Home health care incorporates professional services such as nursing care, rehabilitation therapies (physical, occupational and/or speech therapy), would care, infusion (IV) therapy and more to help individuals continue their recovery following a stay in the hospital or short-term rehabilitation facility. Home health aides may help with bathing and other personal care needs while skilled services are being provided; and additional staff may be consulted for specific needs, including medical social workers to assist with social, emotional and financial issues; and registered dietitians to provide nutritional assessments and recommendations. Medical supplies for use in the home, durable medical equipment, and in-home technology options may be available such as Telehealth, which is used to monitor daily vital signs and risk factors in patients with certain chronic illnesses. For patients living with one or more chronic illnesses, learning about their disease–and the signs to watch for that may signal a change in their condition– are critical to keeping them out of the hospital. Home health nurses provide disease management education to empower these individuals to take active measures toward managing their own health. Home health nurses also teach people just discharged from the hospital or newly-diagnosed with a medical condition and their families how to perform nursing procedures in
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order to better care for themselves between home health visits. When provided by a certified agency, home health care is covered by Medicare, Medicaid and some private insurance for eligible individuals. To qualify, the patient’s personal physician must certify in writing the need for home health services; the patient must have also had a face-to-face visit with the physician within the past 90 days or within 30 days following the order for home health services (and the visit must be in relation to the condition for which home health is being prescribed to ensure that the doctor has knowledge of the patient’s current medical status.) To receive home health services, the patient must also be homebound, meaning that he or she is not driving while services are being provided and can only leave the home infrequently, such as for worship services, medical appointments or special-occasion activities (individuals may still receive home health if they attend adult day care centers.) Home health is not 24hour care; it is provided on an intermittent (part-time) basis, usually with a nurse visiting once or twice a week and other members of the care team visiting as necessary. Medicare does not pay for meals delivered to the home or homemaking assistance; and personal care is covered only if there is another skilled need at the same time. While home health care is not designed to be long-term care, it can often be the bridge between hospital or facility care and home that helps people heal, encourages active participation in their own care and reduces the risk for emergency room visits and additional hospital stays. Medicare recognizes home health as “care given in the home for illness or injury that is usually less expensive, more convenient and just as effective as care you get in a hospital or skilled nursing facility.” For additional information, please visit www.medicare.gov. Private Duty Care The skills of a nurse or other health professional are not always necessary to keep someone living safely and independently at home. Private duty care (also known as non-medical or custodial care) provides companionship and assistance with everyday living tasks and can often give family caregivers a break from the challenging responsibility of caring for a loved one. Under the guidance of a doctor’s order, private duty care may also include
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www.deaconessvnaplus.org
some routine nursing services that are not covered by Medicare, Medicaid or private insurance, such as in-home foot care, injections, blood draws and extended care by a private duty nurse following a surgical procedure or hospital stay. Non-medical home care agencies offer a variety of services, including: • Light housekeeping, grocery shopping and other errands, meal preparation, laundry, pet care and more. • Companion care for when the customer needs a reassuring presence, enjoys company or wishes to have an escort to medical appointments, activities or events. • Personal care assistance with bathing, dressing, grooming, mobility, toileting and continence care, and medication reminders. • Respite care to help other caregivers maintain their physical and emotional health; or when they must be away from their loved one for a short or extended period of time. • In-home monitoring, including medication dispensers and medical alert/personal response systems to promote safety and quick response in case of a fall or other emergency. Private duty care is typically provided on an hourly basis, with some agencies requiring a specific minimum number of consecutive hours. Medicare, Medicaid and most commercial insurance do not currently cover private duty services; however, if self-pay is not feasible, coverage may be available through long-term care insurance policies, state-funded programs or Veterans’ benefits. Private duty care is customer-directed, meaning that the client and/or family choose what services are provided, how often they occur and when. State-licensed home care agencies–which have been required in Indiana since 2007–also provide a registered nurse to conduct an initial assessment and then periodic assessments during the course of care to ensure that private duty clients’ needs are being met appropriately. To reduce the potential for physical, emotional and financial abuse by an inhome caregiver, the Home Care Association of America recommends asking all potential providers several questions. To learn more, please visit their website at www.hcaoa.org.
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July 2015
Live Well… Wherever You Call Home. If you are recovering from a hospital stay, living with chronic illness or facing the challenges of aging, Deaconess VNA Plus Home Care can help you regain and maintain your independence: Home Health Care skilled nursing, therapies, wound care, infusion therapy, home health aides, medical social work, registered dietitian Private Duty Care housekeeping, companionship, personal care, respite, medical alert service, personal medication dispenser L
Don’t wait another day to live well… call our Princeton office today!
812-385-8857 800-659-4862
www.deaconessvnaplus.org Medicare/Medicaid Certified Not-for-Profit Serving Our Communities Since 1888 July 2015
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Transcendent Healthcare Of Owensville, LLC
A Rehab Facility
How To Choose....
A hospital is a hospital is a hospital, right? Afraid not. Health care terminology doesn’t help matters: acute care, sub acute, skilled nursing, continuums, inpatient, outpatient. What do you do when the doctor says you need rehabilitation? You’re Not Alone Most people don’t think about rehabilitation until they need it. Even then, it’s often a physician or other health care professional who recommends rehab to continue the person’s recovery after a disabling illness or injury. It’s the goal of a rehabilitation facility to help people resume the ordinary activities of daily life that they enjoyed before: earning a living, raising a family, running a home, pursuing a hobby, playing sports. A good rehabilitation program offers therapy and education to avoid further injury.
Hwy 165 W, Owensville, IN 812-729-7901 5. Does it have a caring and restful atmosphere? 6. Does it offer more than the basics in terms of facilities and services? For example: Does it have a pool for aquatic therapy or a sports program for people While most outpatient facilities offer some or all of these services, you can tell with disabilities? the difference between an excellent facility and an ordinary or inadequate one by asking the following questions: Other Guidelines 1. Does the center offer a • Certain services should be comprehensive range of services? Look available daily or twice daily: for trained staff in physical therapy, occupational, physical and occupational therapy, speech and speech/language/hearingtherapies cognitive therapy, industrial rehabilitation as well as social work and and vocational counseling. Also ask about psychological counseling. Other counseling and support services that can important services are recreational be crucial in the rehab process. therapy, vocational training and 2. Does the facility emphasize special education services. prevention of injury? Many common injuries, such as carpal tunnel syndrome, • Look past the time of discharge. will recur without a change in the way Does the discharge staff help plan people use their hands. your home care and the support 3. Is the facility well-respected and services needed once you return well-connected in the medical home? Are there vocational, community? Does it have a medical psychological and social work director who specializes in rehabilitation? professionals available to help Does it have a strong network of patients adjust to life outside of consulting physicians and other health the facility? Does the facility offer care professionals to call upon if practical assistance, such as necessary? programs to help patients drive 4. Is the site easily accessible by car or again after their illness or injury? public transportation? Are the buildings easily accessible for people with Ideally, an inpatient rehabilitation disabilities? hospital will also offer outpatient 5. Does the facility accept the insurance rehabilitation services that or managed care plan you use? A good provide continuity of care after facility will have an adviser who can help discharge. you make financial and insurance arrangements for your therapy. • Look for a continuum of care • orthopedic rehabilitation (including osteoporosisor arthritis) • industrial rehabilitation and return-towork services
It is important to know the difference among facilities. There is a difference, for example, between a retirement home that has rehabilitation professionals on staff and a dedicated rehabilitation hospital. Facilities that have rehabilitation as their sole objective, such as rehabilitation hospital or center, are likely to have the most highly trained therapists, medical supervision by physiatrists (doctors who specialize in physical medicine and rehabilitation), nurses and psychologists. These centers usually offer innovative therapeutic programs, state-of-the-art technology and facilities and education programs for patients and health care professionals. Inpatient Or Acute Care Facilities Most people who are admitted to an The type of rehabilitation facility you inpatient rehabilitation facility are choose depends on the kind of illness or recovering from injuries or illnesses that injury experienced and its severity. There severely impair their physical functioning are two main types of rehabilitation or understanding. These include: facilities: • strokes • Outpatient facilities where patients • spinal cord injuries come and go for treatment on a daily or • traumatic brain injuries weekly basis • chronic pulmonary problems • Inpatient (or acute care) facilities • neurological disorders where patients stay for days, weeks or • other debilitating conditions Consider months, depending on their condition. the following factors in selecting an inpatient rehabilitation facility: Outpatient Care 1. Does it have a physical entity or Outpatient activities may stand on their “campus” equipped with the best in own or be part of a comprehensive medical care, technology and facilities? rehabilitation hospital. Common 2. Does the facility provide 24-hour programs cover therapy for: nursing care? • sports injuries 3. Are its services well integrated and • hand rehabilitation provided by multidisciplinary teams? • stroke and other neurological injuries 4. Is it accessible to your family and • speech-language or cognitive deficits friends? Is it located near highways?
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Princeton Daily Clarion, Oakland City Journal
from the time of your admission past the time of discharge. Anyone who is disabled will face a long period of adjustment and will need services that are not anticipated. Find a facility that will help you prepare for and fulfill those needs.
What Is Carf?
The Commission of Accreditation of Rehabilitation Facilities (CARF) is a private, not-for-profit organization that accredits rehabilitation programs with the following services: • adult day services • assisted living • behavioral health services • medical rehabilitation CARF helps to promote and assure standards of quality for these programs and focuses on optimal outcomes for persons served.
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July 2015
Banker, Investor, National Chain
Locally Owned Personalized Healthcare is closer than you think Transcendent
ILLINOIS Mt. Carmel
New Harmony Poseyville
INDIANA Princeton Oakland City Owensville Fort Branch Haubstadt
Healthcare
of Owensville, LLC
812.549.7324 July 2015
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How To Choose....
Replacement Windows
ROGERS HOME EXTERIOR Princeton, IN
Toll Free
385-3304 (866) 466-6997
Looking for ways to save energy in your home, keep safety at the forefront for your family and determine the best windows for your house? Here are some tips from building and renovation experts: Energy Saving Tips: Seek out Energy Star-compliant products to lower energy bills in the home. Windows meeting the U.S. government’s Energy Star guidelines can help reduce the heat loss and heat gain in a home, thus making the home more comfortable and lowering energy bills. When it’s time to replace your windows, ask about insulating glass (I.G.) units made up of two or more panes of glass separated by a spacer system. Argon or Krypton gas (harmless and odorless gasses found in the atmosphere) can be sealed inside the I.G. unit to help reduce the transfer of heat and cold, saving you energy dollars. Window Replacement Tips: If your windows are more than 20 years old, it’s time to give them a good examination. Look for air gaps around windows, loose caulking and condensation buildup — all signals that it may be time to replace the units. • Spend some time opening and closing your windows in different weather. Do they stick when it’s humid? Are there any “rough spots” you can’t get the window past? These could be indications that the windows have outlived
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their functionality in the home and it’s time to consider replacing them.
furniture and anything else children can climb away from windows to prevent accidents.
• Looking for more privacy in your home? When it’s time to replace windows, consider operable or fixed obscure acrylic block windows. They offer the same thermal dynamics as traditional replacement windows and allow light in the home while obstructing the view!
• When opening windows for ventilation, consider opening windows that children cannot reach, like the top portion of a Double Hung window. Some manufacturers offer ventilation locks that allow a window to be partially opened for fresh air while remaining securely in place.
• Love natural sunlight, but hate how it fades your carpeting and furnishings? When it’s time to replace your windows, select Low E glass and advanced glass packages. In layman’s terms, these special glasses reflect the harmful ultraviolet (UV) rays from the windows, so the rays don’t enter the home. Safety Tips: It’s good to remember that window screens are created solely to keep insects out of the home. They won’t support children or pets from leaning on them. Also, keep
Princeton Daily Clarion, Oakland City Journal
Important Points
• Examine your current windows in a variety of weather situations to determine if you need to make replacements. • Consider alternatives when installing new windows. There are a variety of products available to increase privacy. • Certain types of glass allow for brightness while reducing the damaging effects of sunlight.
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July 2015
REPLACEMENT WINDOWS
189
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ROGERS HOME EXTERIOR Princeton, IN
385-3304
July 2015
Toll Free
(866) 466-6997
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Princeton Daily clarion, oaklanD city Journal
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July 2015
A Physical Therapist
How To Choose....
Hannah spent 8 weeks in physical therapy at a large institution and saw no improvement with her injury. Frustrated, she started asking people Choosing a Physical who did the best physicalTherapist therapy in A visit to the physical therapist is the region and soon, she kept hearing similar to seeing a physician in that the the same answer. After further first visit consists of an which research she made theevaluation decision to try them in outtreatment (the other used results fororganization your condition. The up all oftherapist her physical therapy visits physical however doesn't need to andonshe was going to have to pay this rely tests such as blood-work, x~rays, out of pocket). On her first visit she MRIs, or other diagnostic tests. The PT was amazed at the excellence in will measureservice, the amount of motion in the customer and then she was given area (back, knee, shoulder, etc.), pleased that after only her 2nd visit the she strength or tightness of certainHannah affectedtold was seeing improvement. muscles, and will palpate thedid affected her therapist, “they never any of the treatment are doing!” tissues for their you condition. Based upon Fortunately Hannah also of was findings from for these variousshe aspects the able to getthe back to where wanted evaluation, therapist will she explain to the to be after only 4 visits. client their conclusions and what physical therapy can the do to resolve the condition. Choosing right physical therapist The therapist and client set goals of what can determine how successful your should be accomplished therapy and recovery will be from in your injury. then treatment begins. Your choice may determine whether
For A Complete Listing Of Locations: Visit www.prorehab.com
function. Don’t allow managed care to force you to use a provider that is not your choice.
Choosing a physical therapist isn’t a insurance? Call the clinic and ask. a hard task. It’s much like choosing physician: ask around. Check with Oneand thing to consider is whether friends family and see what that therapisttherapist is a member of the American physical or physical therapy clinic they’ve usedAssociation in the past.(APTA). Were Physical Therapy they with their progress with are PT'shappy who are members of the APTA that therapist? Did they get code better’? bound by the Association's of ethics What types competent of treatments thatcare. to provide and did quality person receive’? Other things to keep in mind: Anyone providing “physical Find out if you see the same therapy” should bewill a licensed physical physical therapist on each visit be or will you thearpist. Their license should be passedsomewhere around fromintherapist to in displayed the clinic which theyConsistency work for public viewing. therapist. of treatment is of clinic you are considering accept your
Does that particular physical therapy clinic youa are considering your Does physical therapistaccept perform your insurance? Call the clinic and ask. great value in rehabilitation.
treatment or is it a tech who has only had
on the jobtotraining? common One thing considerIt’sis quite whether that for a therapist have a technician assist in therapist is atomember of the American certain aspects of Association treatment but(APTA). it is unacPhysical Therapy you return to your desired state or who to arehave members the APTA continue toshould suffer expect from pain and ceptable the techofperform your The client a minimum of PT’s bound by the Association’s code of abnormal movement The for are whole treatment. some form of exercise topatterns. be prescribed right choice will also save you money. ethics to provide competent and his or her condition. In conjunction, there quality While physical and occupational Doescare. that therapist have their own will usually focus be some of hands-on on form non-surgical therapists clinic? in will private has more treatment (manual therapy). Somepain, type of Find outAifPT treatment of muscle and joint you seepractice the same of a vested interest in your recovery than a pain relieving modalities are often used they also may receive training in other physical therapist on each visit or will therapist at a local hospital one who including hot packs, different types of sub-specialties including: your be passed around fromortherapist for a Consistency large corporation. Your lymphedema, certified therapy toworks therapist. of treatment electrical stimulation, andhand ultrasound (a vestibular floor rehab of greatinvalue rehabilitation. rehabinreflects on their clinic deep heatingtherapy, agent) topelvic help the client meet isprogress andgoals. foot orthotics. reputation as a therapist, and their their Treatment might last for an Does a physical perform your regard with localtherapist physicians. average of 9-12 visits. More in some At one time physical therapy relied treatment or is it a tech who has only cases, lesson in “modalities” others. heavily like ice packs, had on the job training? It’s quite Does the have for therapist a therapist to any haveadvanced a heat, ultrasound and different types of common certifications~ Examples include being Choosing a physical therapist isn't a of a electrical stimulation. Unfortunately, technician assist in certain aspects clinical specialist in orthopedics to or hard task. institutions, It’s much likemuch choosing a treatment but it is unacceptable in some to the pediatrics among others. This is noted with the tech perform your whole patient’s ask detriment, willwith stillfriends see a have physician: around. you Check heavy reliance onwhat thesephysical modalities an OCS or PCS after their PT initials. and family and see therapist treatment. evolved These certifications denote experience in orPhysical physicaltherapy therapy has clinic they've used in therapist considerably in the last few years and Does their that particular fieldhave and their proofown that they the past. Were they happy with their clinic? A PT in private practice has leading edge therapy relies on strong have completed the rigorous requirements progress with that therapist? Did they get evaluation skills – determining what is more of a vested interest in your of the American Board of Physical better'? What types of treatments did that causing an injury and then focusing on recovery than a therapist at a local TherapyorSpecialties (ABPTS). person receive'? Other to keep in hospital one who works for Other a largecertiwhat will be the bestthings treatment. fications notYour governed by the mind: Anyone providing "physicalof corporation. progress in ABPTS rehab Manual therapy and retraining includeon McKenzie Certification their clinic reputationfor asback a musclesshould to work and in reflects therapy" be appropriately a licensed physical their regard with local an orderly fashion through use are therapist, treatment,and hand therapy certifications, therapist. Their license should the be displayed key to getting back where you physicians. manual therapy certifications, or certified somewhere in theyou clinic in to which they want to be. strength and conditioning specialties. work for public viewing. Does the therapist have any advanced certifications –examples include In summary your experience in Does that therapy certified hand therapy, pelvic floor therapy canparticular often bephysical completed in 7 rehab, lymphedema, vestibular therapy visits or less (depending on your injury) and you will receive a thorough and foot orthotics. These certifications denote experience in a evaluation, and treatment pathway particular field. guiding you to normal movement
July 2015
Princeton Daily Clarion, Oakland City Journal
DID YOU KNOW? Physical Therapists are healthcare providers who specialize in musculoskeletal dysfunction. Their primary scope of practice is treatment of problems which prevent people from moving and functioning in a pain free manner during ther daily activities. Physical therapists work with people throughout the lifespan and in a variety of settings. Today’s physical therapist is a well educated individual. All of of the the physical physical All therapy programs programs in in the the therapy United States States culminate culminate United with aa Master’s DoctorateDegree in with Physical Therapy (DPT). or even a clinical Physical and doctorate (DTP). They Occupational Therapists must must pass pass aa licensing licensing exam exam before before being being allowed allowed to to practice. practice. Outpatient physical therapy is a common treatment option for people suffering from a variety of ailments. Treatment of low back or neck pain, shoulder and knee dysfunction, foot problems, post-surgical conditions, stroke rehabilitation, headaches, and TMJ dysfunction are just a few examples of the many reasons a person might go to a physical therapist. For the most part, when someone goes to physical therapy they do so after being referred to therapy by a physician.
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Hwy. 41S Princeton, IN
812-386-6580
Lawn Equipment
How To Choose....
With the American Dream of home ownership, 1.5 kids and a couple of cats,comes, inevitably, a lawn. The question is: what kind of equipment do you need to properly care and tend for your own slice of heaven? Here are some ideas: Size Matters Lawn mowers come in all shapes, sizes and ranges of power. The most frequent mistakes homeowners make is getting something too large or too small for their needs. While there are no handy formulas for figuring this out, there are a few tips: While riding lawn mowers are cool and now frequently come with cup holders (an innovation way too long incoming), some lawns are just too small to comfortably operate a lawn tractor. For these yards, the best choice is a good push mower. A general rule of thumb is that a yard that can be comfortably mowed with a push mower in 45 minutes or less is too small for a rider. Yards of a half-acre or more likely would benefit from a lawn tractor. These range in horsepower, attachments and ease of use. A qualified dealer or retailer will be happy to walk you through the steps of determining your specific needs. You should be prepared to tell the dealer how big your yard is, whether you intend to use the tractor for other tasks, such as plowing the garden or grading the driveway, how often you intend to mow and so on. Various Tools The range of available equipment for lawn and yard needs is dizzying. To wade through the clutter, ask yourself a series of questions: 1. What do I want to accomplish? Do I have enough border, for instance,to justify a machine to cut the borders out periodically,or would I be better served with a simple blade shovel? 2. How much am I willing to spend on single-use machines?3. Am I worried about disturbing the neighbors at 6 a.m. on Sunday with a noisy chainsaw, or should I go electric?
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Mon - Fri: 7:30-4:30 • Sat: 7:30-12:00 john@kieselent.com www.kieselent.com
Repair And Maintenance Just like a car, many yard tools and tractors come with factory warranties. Ask for the specifics before purchasing. Also ask what happens if the piece of equipment breaks down. Will the dealer pick it up, or do you have to haul it there?Be sure to keep track of any owner manuals (a plastic bag hanging on a nail in the garage is a good investment). The manuals often list replacement parts, and have a complete maintenance schedule. Your Yard And Clean Air The federal government anticipates that regulations now being developed will bring cleaner lawn and garden equipment to market within a few years. Meanwhile, consumers can make a difference by adopting practices that will help protect the environment now and in the future: Avoid spilling gasoline Preventing spills and overfills is an easy and effective way for power equipment owners to prevent pollution. Even small gasoline spills evaporate and pollute the air. Use a gasoline container you can handle easily and hold securely. Pour slowly and smoothly. Use a funnel,or a spout with an automatic stop device to prevent overfilling the gas tank. Keep the cap or spout and the vent hole on gasoline containers closed tightly. Transport and store gasoline and power equipment out of direct sunlight in a cool,dry place. Use caution when pumping gasoline into a container at the gas station. Maintain Your Equipment Follow the manufacturer’s guidelines for maintenance. Change oil and clean or replace air filters regularly. Use the proper fuel/oil mixture in two-stroke equipment. Get periodic tune-ups, maintain sharp mower blades, and keep the underside of the deck clean. Take time to winterize equipment each fall.
the marketplace. Propane and solar options are also available for some types of equipment. Electric equipment is cleaner than equipment powered by gasoline engines. Electrically powered lawn and garden tools produce essentially no pollution from exhaust emissions or through fuel evaporation. However, generating the power to run electric equipment does produce pollution. Use Manual Tools Tools that don’t require electric or gasoline engines are especially handy for small yards or small jobs. There are hand tools available that will meet a wide variety of lawn and garden needs, like lightweight,quiet, easy-to-use reel push mowers that generate no emissions. Reduce Mowing Time Use low-maintenance turf grasses or grass/flower seed mixtures that grow slowly and require less mowing. Check with your local agricultural extension service or lawn and garden center about what is appropriate for your region. Decrease lawn area. Plant additional trees and shrubs to reduce the energy costs of heating and cooling your house and to provide landscaping for wildlife. Native wildflowers and plants require little to no maintenance after planting.
IMPORTANT POINTS • Select proper equipment for your circumstances. • Keep equipment maintained properly. • Compare warranties • Who will do service on equipment?
Consider Cleaner Options Ask your dealer about the new, cleaner gasoline equipment entering
Princeton Daily Clarion, Oakland City Journal
and the weekender
July 2015
2015 Wrangler 23hp, 52” Deck
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Phone: 812-386-6580 Mon - Fri: 7:30-4:30 • Sat: 7:30-12:00 john@kieselent.com www.kieselent.com
Hwy. 41S Princeton, IN
July 2015
Princeton Daily Clarion, Oakland City Journal
and the weekender
Page 29
How To Choose....
A Hospital Just as you do not make an emergency plan for a fire when the fire occurs, you should not make your choice of health care facility when you are in crisis. The most important criteria when choosing a hospital will come from advance research. Researching your area hospitals will create an informed consumer who can make decisions based on the facility’s best overall care and specialized services to fit their needs. There are several avenues one can take to find a hospital that meets their particular needs. The first avenue would be to look at hospital websites to research each hospital’s services and accreditation. Accreditation is linked directly to quality of patient care, quality of facility, and quality of staff and physicians. The primary health care accreditation service is The Joint Commission (TJC), a notfor-profit, independent organization founded in 1951 that reviews safety and quality of the nation’s health care facilities through a voluntary but rigorous accreditation process. This process is ongoing to ensure that the hospital is staying in compliance with ever changing regulations. There are more than 20,000 health care organizations accredited by the Joint Commission each year and information about the Joint Commission or the accredited hospitals can be found on their website at www.jointcommission.org. In addition to hospital accreditation, you can also look at various service line accreditations that facilities may hold to show quality services. Hospitals can seek voluntary accreditation in services such as
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radiology, sleep diagnostics, diabetes see if they can deliver what they care, heart care, trauma care and promise. Look around and make note many others. of how the staff interacts with each other and their patients. Do they You can also compare hospital exude the compassion, quality on the Internet using professionalism and care that you Medicare’s Hospital Compare web would hope to receive? If you do tool at http://www.medicare.gov/ your homework now, you and your hospitalcompare family will make decisions that maximize your experience in a What Are Your Personal Needs? hospital when the need arises. Once you know which hospital’s offer the high quality services that you’ll need, you need to consider your personal needs. Do you want a hospital near family and friends? 5 Things You Does the hospital have convenient Should Know: visiting hours and other rules that are • Is the hospital important to you. Does the hospital accredited by The offer convenient follow-up care if Joint Commission necessary following a hospital stay? and/or other You also need to check with your accrediting health plan to ensure that they cover organizations? services provided by the hospitals • What are their patient that you are researching. satisfaction indicators or scores? You should also discuss your hospital • Does the hospital options with family, friends and your meet my personal doctor, and gather input from them. needs? • What is the Visit The Hospital experience, training Before You Need It and certification of Visiting a hospital is an important the physicians and step in making an informed decision staff? about future treatment for you or • What are the core your family. At the initial visit with a values that guide the physician or customer service hospital and its representative, always ask specific employees? questions. This will help in the flow of information and also may trigger any other concerns you may have about a facility.
Look at the core values and philosophies of the hospital, read their mission statement and check to
Princeton Daily Clarion, Oakland City Journal
and the weekender
July 2015
July 2015
Princeton Daily Clarion, Oakland City Journal
and the weekender
Page 31
A Meaningful Service With Cremation
How To Choose....
The reasons for preferring cremation are varied. For some, it seems a more natural process than burial. Others have environmental concerns with burial. Still others are not sure why they feel more comfortable with cremation but are interested in learning more. This article is for all of you. Most funeral homes provide some type of cremation service, but some specialize in providing cremation services. The peace of mind of knowing a funeral home is prepared and experienced to provide the services you require is well worth the effort required to become educated and make an informed choice. Because it is important to be informed, many people choose to make their own funeral decisions in advance. Making pre-arrangements with your selected funeral home will help ensure your wishes will be carried out following death. It also spares your family from the burden of making decisions during the emotional time after a death. Many people wonder whether cremation is consistent with their religious beliefs. There was a time when some religions disapproved of the cremation process. Today, most permit cremation. It is a good idea to discuss your concerns with your clergy, as individual congregations may differ from nationwide or worldwide church policies. Another reason for preferring cremation is the many options available for services and final disposition. In fact, cremation offers more options than does traditional burial. For example, choices are available in the type and scheduling of gathering or celebration, the final disposition of cremated remains, and ways to remember or “memorialize” the deceased.
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Doyle Funeral Home 520 S. Main St., Princeton, IN
812-385-4334
doylefuneralhomeprinceton.com
Immediate Cremation Those preferring to have no services or gathering can arrange for removal of the deceased and immediate cremation. You will want to review cost, administrative requirements, and other details with your funeral director. Many families who choose direct cremation later regret the decision because it ignores their need for closure. Participating in arrangements, viewing the body, and meeting in a formal or informal setting with supportive friends and family are meaningful parts of a ritual, like baptisms and weddings, that help us understand and cope with loss.
Lamb -Basham Memorial Chapel 226 E. Washington, Oakland City
812-749-4024
www.lambbasham.com
Choosing a casket, urn, burial vault, and stationery items that reflect the loved one’ s life complements these items. Funeral directors who specialize in cremation will have many examples for you to look at and choose from. Anyone who has ever tried to write a family history knows it can take a little time. Planning to personalize a memorial service or funeral service is much the same. The plan may consist of simple, brief notes or a detailed set of directions.
With so many choices and options, the value of preplanning becomes evident. No one better understands your wishes than you. Meeting with a Cremation Followed By funeral director who specializes in Memorial Service: cremation services allows you to Following either private or public collect information on options and viewing, the body is cremated. A service or gathering is held at a place costs, and to record your wishes for your family to refer to later. You may of the family’ s choosing to even want to pre-pay your final commemorate the life of the expenses as a way of relieving your deceased. Eulogies, readings, music and the sharing of photos, videos, and family from this burden and saving money. personal collections and hobbies are often part of the gathering. The gathering is an opportunity for those There are many good reasons why thoughtful families are beginning to who cared about the deceased to remember them in a special way and strongly consider cremation. Let a licensed Funeral Director with to say good-bye. experience and special interest in cremation make suggestions as to Funeral Service your options and choices. Followed By Cremation Probably the greatest misconception about cremation is that there can be The Top Four Things no funeral. Many people choosing You Should Know... cremation have a traditional funeral 1. Become educated and make service, followed by cremation. The an informed choice. funeral service may be conducted in a 2. Find a funeral home that is funeral home, church, or any other prepared and experienced to appropriate setting. Clergy may provide the services you conduct the service, but this is not require. required. Some will prefer a less 3. Make decisions and preformal format of sharing memories arrangements in advance. and feelings. The funeral service is 4. Pre-pay your final expenses personalized by including things to as a way of relieving your help those attending to better know family from this burden and and remember the deceased, such as saving money. flowers, photos, videos and music.
Princeton Daily Clarion, Oakland City Journal
and the weekender
July 2015
Experts in Rehabilitation
Our Moving Forward program is designed for those striving to restore abilities lost due to stroke, cardiovascular difficulties, orthopedic surgery and other debilitating conditions. Programs vary in frequency and intensity and include physical, occupational and speech/languagetherapies. Our goal is to return our participants home safely with the skills they need to continue life on their own terms.
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Lamb-Basham Memorial Chapel 226 E. Washington, Oakland City • 812-749-4024 Jerry L. Basham Locally Owned & Operated Since 1891
www.lambbasham.com
Doyle Funeral Home
“A Funeral Ministry with Warmth and Understanding” 520 S. Main St., Princeton, IN • 812-385-4334 doylefuneralhomeprinceton.com
A Tri-State Original
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