Consumer Guide 2015 Selecting the Right
Pharmacy
Pharmacies have definitely changed over the years. Back in the old days, pharmacies were small neighborhood stores where everyone knew your name. You could receive personalized service. Their selection might small, but the customer service was always superior. These days, corporations own most of your neighborhood pharmacies. Not only do they carry medical-related products, but they might also have toys, cosmetics and other items. Pharmacies even have a selection of groceries. Unfortunately, not every pharmacy will provide good, basic customer service. Amid all the products, some places have forgotten about their customers. There are corporate pharmacies that still care about their customers, however, and finding these stores is imperative. When deciding on which pharmacy should service your prescription needs, consider these factors. Availability A pharmacy's hours of operation are a top factor for most people. Limited business hours are not helpful when you are dealing with an illness. Look for a business with convenient hours. Some cities even have all-night pharmacies that will fill your prescriptions in a hurry. Usually, pharmacies that are tied to a corporate chain will stay open late. Smaller, locally owned pharmacies may be open during limited hours, but they tend to provide personalized service. No matter what pharmacy becomes your favorite, always know where you can find a 24-hour location in case of an emergency. Location A convenient location will make filling prescriptions and purchasing medical products much easier.
If you can find a store near your home, work or school, it will save you plenty of time. It is very useful to find a pharmacy that is minutes away, in case you need help quickly. Drug Coverage Does the pharmacy accept your prescription drug plan? Not every pharmacy will accept every insurance policy. Call ahead to inquire about the types of insurance they accept. Paying out of pocket will likely be a huge, unnecessary burden. If you have little to no coverage for your prescriptions, contact pharmacies to ask about prescription discounts. Most pharmacies have generic versions of medications, some of which may be available to you. Between discounts and generic drugs, you could save lots of money. Seniors on Medicare should pay close attention when choosing a pharmacy. Ask locations in your area if they accept your Medicare Part D plan. There are many options available on these plans. It is important that the pharmacy you select is willing to work with your plan to cover the medications you need. Service Customer service is another factor when choosing a pharmacy. Do the pharmacist and staff remember your name? Are they happy to answer questions? Do you trust them? Finding a pharmacy staff that is informative and friendly will make it easier for you to take your medication. It may take some work to find a pharmacy that fulfills these criteria. With a little time and effort, you can certainly find one that fits your needs.
2B – Statesboro herald — Wednesday, August 26, 2015 | statesboroherald.com
Consumer Guide 2015
Selecting the
Right Bank
Your money is important, and how your finances are handled will either make your life much easier, or cause untold amounts of frustration and aggravation. Choose the right bank and give your finances a much needed boost. Not all banks are the same, and not all of them offer the same kind of returns and programs for your financial need. Choosing a bank just because of its location could mean you are missing out on some important benefits. While convenience is important, it shouldn't be your only factor. Consider these aspects when selecting a bank. Interest Rates and Fees Charged Like many other businesses, banks want to be competitive. Interest rates are one way they entice new customers. It is not uncommon for the savings account interest rates to vary widely, but the majority of institutions make adjustments according to changes in the federal funds rate. You might think interest rates are inconsequential. But when substantial deposit amounts are involved the difference can be significant. Banks are also famous for charging fees for particular transactions. For example, a checking account may only allow a certain number of checks to be written each month before a fee is assessed. Sometimes, a minimum balance is required to keep the account active. There are also banks that offer free checking and other options. Make sure, however, that the free checking is really free. There may be stipulations such as being required to keep a minimum balance in the account at all times. Look at a fee schedule to determine if it is acceptable to you. Personal Convenience Banks with multiple locations in convenient areas are important. If you travel frequently, check if your local or regional institution is a member of a national network. Also, ask about their online banking policies. Is their website easy to navigate and secure? Online banking can be a great way to pay bills and transfer money between accounts. Overdraft Safeguards Everyone makes mistakes. Accidental overdrafts happen occasionally. Each financial institution has a different policy about these matters. Some banks might offer overdraft coverage in the form of a high-interest credit line. Other banks charge fees each time an overdraft occurs. Sometimes, banks provide no coverage. Be sure to research overdraft policies before making a final decision. Institutional Stability These days, it is important to consider a bank's stability. Before you entrust your money to an institution, check its history and financial condition. Typically, banks invest deposited funds under a fractional reserve banking system. Any bank with a strong balance sheet should be able to weather any turbulence caused by market corrections. The majority of banks are insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. This value can vary depending on the type and number of accounts held by a customer. Provided you understand and act within these safeguards, your money will likely be safe in a bank. That is not to say that failures are impossible. A solid bank will limit exposure to toxic assets that put its balance sheet at risk. Services You Need Most banks offer a variety of services. Whether you need to get a loan or open a checking account, choose a bank that fulfills your needs with the fewest fees. It should offer the maximum conveniences possible. Careful and vigilant shoppers will have positive experiences by making an effort to choose a trustworthy commercial bank.
LDP-2795-15-ConsumerGuide_Layout 1 8/17/15 2:44 PM Page 1
BANKING OF BULLOCH Born, bred and formed by Bulloch values and Bulloch Strength.
BANKING BY BULLOCH Where your Bulloch neighbors make bank decisions.
BANKING FOR BULLOCH Where we proudly work for Bulloch, not Wall Street.
For nearly 70 years, Farmers & Merchants Bank has existed to serve Bulloch People through good times and bad. Today, stronger than ever, we serve you with a full range of banking loans, products and services–just as good as (if not better than) you’ll find anywhere else. Compare us and see.
All About Bulloch
201 North Main Street • Statesboro, Georgia 30458 • www.fmbnk.com • 912-489-2600 NMLS#498426 LDP-2795-15
Consumer Guide 2015
statesboroherald.com | Statesboro herald — Wednesday, August 26, 2015 – 3B
Selecting the Right
Gastroenterologists
Gastroenterologists diagnose and treat a wide variety of diseases, from liver problems to stomach ulcers, pancreatitis and colon cancer. The common denominator is that all of the diseases involve the digestive system. Patients looking for a Gastroenterologist most often base their choice on the Gastroenterologist’s reputation in the community. Although reputation is an important indicator of a physician’s ability to communicate well with patients and other physicians, and can be a surrogate for quality of work, it is not the most reliable measure of performance and patient outcomes. In the past few years, more specific measures of quality and performance have become available and can help guide patients in choosing the best physician, but only if a patient knows to ask. The soon-to-be mandatory incorporation of quality metrics is one of the lesser known positive changes in our country’s healthcare system. For example, a patient looking for a Gastroenterologist to perform a screening colonoscopy can and should ask two very important questions of the physician who
would perform it: what is your “adenoma detection rate (ADR)?”, and “how many colonoscopies did you perform last year?” The chance of getting colon cancer between regularly scheduled colonoscopies can be twice as high for a physician who rarely performs the procedure or who has a low rate of adenoma detection. Precancerous polyps are expected in at least 25% of men and at least 15% of women who undergo screening colonoscopy. In July all three of our gastroenterologists reached or exceeded a 30% ADR for screening colonoscopies. The availability of technology is another important determinant of a Gastroenterologist’s ability to perform. For a town of Statesboro’s size we have remarkable technology and expertise. Some of the newer procedures include hot Axios stents, endoscopic suturing, and fiducial marker placement. In 2015, patients should no longer rely solely on a physician's reputation to choose who they will see. It is more like buying a car, or a stock. Performance data, available technology, and quality of support services should be considered.
For appointments call Office: 912.486.1600 Fax: 912.681.4184 East Georgia Regional Medical Office Building, Suite 102 Statesboro, GA 30458
Consumer Guide 2015
4B – Statesboro herald — Wednesday, August 26, 2015 | statesboroherald.com
How to live with
Diabetes
It is common to feel overwhelmed, sad, or angry when you are living with diabetes. You may know the steps you should take to stay healthy, but have trouble sticking with your plan over time. This section has tips on how to cope with your diabetes, eat well, and be active. Cope with your diabetes. • Stress can raise your blood sugar. Learn ways to lower your stress. Try deep breathing, gardening, taking a walk, meditating, working on your hobby, or listening to your favorite music. • Ask for help if you feel down. A mental health counselor, support group, member of the clergy, friend, or family member who will listen to your concerns may help you feel better. Eat well. • Make a diabetes meal plan with help from your health care team. • Choose foods that are lower in calories, saturated fat, trans fat, sugar, and salt. • Eat foods with more fiber, such as whole grain cereals, breads, crackers, rice, or pasta. • Choose foods such as fruits, vegetables, whole grains, bread and cereals, and low-fat or skim milk and cheese. • Drink water instead of juice and regular soda. • When eating a meal, fill half of your plate with fruits and vegetables, one quarter with a lean protein, such as beans, or chicken or turkey without the skin, and one quarter with a whole grain, such as brown rice or whole wheat pasta. Be active. • Set a goal to be more active most days of the week. Start slow by taking 10 minute walks, 3 times a day. • Twice a week, work to increase your muscle strength. Use stretch bands, do yoga, heavy gardening (digging and planting with tools), or try push-ups. • Stay at or get to a healthy weight by using your meal plan and moving more. Know what to do every day. • Take your medicines for diabetes and any other health problems even when you feel good. Ask your doctor if you need aspirin to prevent a heart attack or stroke. Tell your doctor if you cannot afford your medicines or if you have any side effects. • Check your feet every day for cuts, blisters, red spots, and swelling. Call your health care team right away about any sores that do not go away. • Brush your teeth and floss every day to keep your mouth, teeth, and gums healthy. • Stop smoking. Ask for help to quit. Call 1-800-QUITNOW (1-800-784-8669). • Keep track of your blood sugar. You may want to check it one or more times a day. Use the card at the back of this booklet to keep a record of your blood sugar numbers. Be sure to talk about it with your health care team. • Check your blood pressure if your doctor advises and keep a record of it. Talk to your health care team. • Ask your health care provider if you have any questions about your diabetes. • Report any changes in your health. Actions you can take. • Ask for a healthy meal plan. • Ask about ways to be more active. • Ask how and when to test your blood sugar and how to use the results to manage your diabetes. • Use these tips to help with your self-care. • Discuss how your diabetes plan is working for you each time you visit your health care team. To read more on this topic go to http://ndep.nih.gov/publications/publicationdetail.aspx?pubid=4.
Family Health Care Center, PC Total Care For All Ages... Newborns to Seniors Thad h. Riley, M.d. angela M. davis, M.d.
Board Certified Family Physicians
Full time Diabetes Educators on site
Certified Insulin Pump Trainer on site
On Site Dietitian
Sidney R. Washington, III, MD
Board Certified Physician in Gynecology & General Practice
susan B. Riley, dnP, FnP, Cde Connie J. BaRneTT, anP, Cde
Nurse Practitioners and Certified Diabetes Educators
alexandRa Wilson, Msn, aPRn, nP-C Family Nurse Practitioner
Amy-Jo Riggs Ph.D, R.D. Registered Dietitian
Call and schedule your appointment today!
489-4090
* Area's Only Certified Diabetes Education Program * Currently Conducting Diabetes Research Studies * NCQA Recognition for Excellence in Diabetes Care * Only DEAP Accredited Diabetes Education Program within 50 miles * Certified Insulin Pump Trainer for Medtronic, Omipod and Accucheck * Ask about our ongoing Diabetes Research Studies
* Staff all part of the Diabetes Master Clinician Program * Women’s Health with On-site Pap Smears, Colposcopy, Biopsy, and IUDs * Complete Physical Exams * DEXA Bone Density * On Site Laboratory * X-Ray on-site
* * * * * *
Dermatology DOT Physicals/ Drug Testing Laceration Repairs Immunizations for all ages Comprehensive Weight Management Programs Acute & Chronic Illness Care for Newborns to Seniors * Sleep Studies
OFFICE HOURS: MONDAY 7:30 AM-6:00 PM AND TUESDAY-FRIDAY 8:30 AM-5:30 PM 23702 Hwy 80 East • Statesboro • www.familyhealthcarecenter.com
Consumer Guide 2015
statesboroherald.com | Statesboro herald — Wednesday, August 26, 2015 – 5B
Selecting the Right
Mattress
A good night's sleep is sometimes all it takes to wake up the next day feeling ready to conquer the world. Investing in a mattress is one way to improve your quality of life. Try sleeping on an old mattress. Chances are, you won't feel rested in the morning. Sleep deprivation will affect your mood, health and job performance. A new, quality mattress that provides you with a restful night's sleep is well worth the price. Don't be confused by the choices available. Take it a step at a time and you will find the perfect mattress. Ask your friends and family for recommendations, and then start browsing. Or you can scour the Internet for information and start narrowing your choices. Purchasing a mattress is a long-term investment in your health and self-esteem. Don't be afraid of looking at pricier options. Often, expensive mattresses may be on sale or part of a closeout event. Quality mattresses last longer, so you will not have to go through the trouble of buying another mattress in a year or two. Or worry as much about the mattress sagging and breaking down. Consider your bed size. Is it time to buy a bigger bed? Perhaps you would like to sprawl out and relax. Here are a few other things to keep in mind: — Do you need a firm or soft mattress? People with a bad back, neck or leg pain, or other circulatory problems might require firm support to keep their spines aligned. Other people prefer flexible support that fits the contours of their bodies. — Do you sleep with another person? Mattresses made of memory foam might be beneficial, as it will give you a personalized experience without disturbing the other person's sleep. — Standard mattresses can exacerbate allergies if you are sensitive to lint, cotton, dust or dust mites. If you or your partner have allergies, consider getting a latex or foam mattress. You might also think about getting a hypoallergenic mattress cover. When you are looking at actual mattress options, the following are popular choices: — Pillowtop mattresses are famous for their softness; however, they do have levels of firmness. They also require a larger bottom sheet because the pillowtop adds to their extra thickness. — Coil spring construction are great choices for people who want a firm mattress. This option has the ability to keep your spine aligned. Most mattress stores can show you samples of their product lines. Choose the best construction you can afford. —"Memory" or high-density foam or latex mattress are helpful if you have physical issues, such as skeletal pain or circulatory problems. This mattress conforms to the shape of the body. It also minimizes pressure points from the head, shoulders and hips. When shopping for a mattress, don't be afraid of lying down and trying it out. Roll over and pay attention to how your body feels. Are you comfortable? Inquire about the mattress guarantee or warranty. A standard warranty is 10 years. If the warranty is shorter or non-existent, look elsewhere. Remember, your mattress is a long-term investment. Choose wisely and you will be rewarded with years of restful nights and energetic days.
"Come see the Dealmaker before you buy!"
6B – Statesboro herald — Wednesday, August 26, 2015 | statesboroherald.com
Selecting the Right
ATV
All-terrain vehicles, or ATVs, are a popular vehicle for fun and work. It is a fantastic way to escape the busy week or spend time with your friends. Or, it is a great way to cover ground quickly while you check on crops or animals. Perhaps you’re looking for a bit of competition? There are plenty of races and competitions around if that is your desire. Unlike many other hobbies, ATVs are a relative bargain. With some basic equipment and gas, you are on your way. GETTING STARTED First, conduct some research. Think about how you will use the equipment. Are you using the ATV for competition or strictly recreation? If your goal is to compete, then you will need a higher level of equipment. On the other hand, long excursions demand strong fuel capacity and range. No matter what your goal, you should learn to ride safely and comfortably. Take a training course and always follow local traffic laws. Finding more experienced ATV riders will help you learn more about your vehicle. Joining a local club is an excellent way to make new friends and find riding partners. You can also discover local trails and listen to riding tips from experts. TYPES OF ATVs There are several kinds of ATVs to consider. The youth model is smaller and less powerful. With an automatic transmission, it is designed to introduce children to the hobby. The basic four-wheeler is an affordable choice. It is perfect for the first time ATV owner. These easy-to-ride vehicles are affordable selections, but they are not ideal for deep mud or large rocks. Utility quads will help you with towing, snowplowing or hauling cargo on front-or rear-mounted racks. These ATVs have many other accessories as well. Sport-utility quads have features that will enhance performance and practicality. These ATVs are popular because they are fun to ride. Finally, some ATVs have long-travel suspensions, powerful engines and lightweight construction. These machines are for sports and fun. They can jump, slide and run over rough terrain. COMPETITIONS If you are thinking about becoming more involved with ATVs, consider taking part in competitions. From races to endurance rides, you can test your skills. There are even safety competitions. Look for more information at your local ATV club or on the Internet. SAFETY TIPS — Purchase an ATV that fits your strength, size and experience. Never let a child ride an ATV designed for an adult. — Wear a helmet designed for ATV riders. Always insist that all members of your crew wear their helmets. — Follow safe towing practices when moving your ATV. — Ask for permission before riding on private land. Choosing the right ATV is a combination of finding what you like, what meets your budget, and what fits you and your experience level. Visit your local ATV reseller to see in person the different types of machines, talk to the experts and get an idea of the prices. Many retailers will also have programs and information on ATV clubs, events and competitions. They are a great source of information for you and your new ATV.
STATESBORO POWERSPORT CENTER 22681 HIGHWAY 80 EAST STATESBORO, GA
912-764-2547
Consumer Guide 2015
Consumer Guide 2015
statesboroherald.com | Statesboro herald — Wednesday, August 26, 2015 – 7B
How to Keep Your
Bloodpressure under control
Keeping Blood Pressure under Control Approximately 73 million Americans have high blood pressure, according to the National Stroke Foundation. But many people don’t understand blood pressure readings — or how to control them. Blood pressure is defined as the rate at which the blood pulses through your body and is measured in millimeters of mercury (mmHg). Blood pressure readings are made up of two numbers: systolic and diastolic. Systolic pressure is the top number and measures pressure in your arteries during heartbeats. Diastolic pressure is the bottom number and measures pressure in your arteries between heartbeats Numbers You Need to Know Normal blood pressure numbers should clock in at less than 120/80 mmHg. Your blood pressure can vary throughout the day or during periods of stress, but if you’re constantly experiencing higher readings, your doctor may suggest lifestyle modifications, such as eating less salt, losing weight or exercising more. You should know — and respond to — the following numbers: • Systolic numbers between 120 and 139 and diastolic numbers between 80 and 89 are signs of prehypertension. • Systolic numbers between 140 and 159 and diastolic numbers between 90 and 99 are signs of the first stage of hypertension, or high blood pressure. • Systolic numbers of 160 or higher and diastolic numbers of 100 or higher are
Health.
signs of stage two hypertension What Happens When Numbers Keep Rising The American Heart Association recommends you have your blood pressure checked during your annual wellness visit, or at least every two years. If high blood pressure is left uncontrolled, you could cause harm to your body, including weakened blood vessels, and be at higher risk for heart disease and stroke. Normalize Your Numbers Take control of your blood pressure today with these four steps. 1. Understand your personal risk. Some people may have a family history of high blood pressure or other predispositions. If you have a family history of high blood pressure, talk with your doctor about how you can manage your blood pressure. 2. Chill out. Stress can cause your blood pressure to spike. Take 10 or 15 minutes each day to reduce stressful feelings with activities such as journaling, meditating or praying, or listening to soothing music. 3. Eat fresh, whole foods. If an item comes in a box, bag, can or package, skip it whenever possible. Such foods often contain extra sodium that can cause blood pressure to rise. 4. Make movement the norm. Schedule time to be active every day, whether it’s walking, dancing, swimming, playing tennis or going to the gym. Routine exercise helps keep blood pressure low.
Helping you take good care of yours is his goal. Mark Crick, M.D., is an internal medicine physician who provides adult patients with wellness services and treatment for illnesses. A strong believer in preventive medicine, Dr. Crick takes the time to educate patients on strategies for good health. Same-day appointments are often available. To schedule your appointment, call 912-486-1480.
1497 Fair Rd., Suite 205 • Statesboro
Mark Crick, M.D.
Board Certified in Internal Medicine
Consumer Guide 2015
8B – Statesboro herald — Wednesday, August 26, 2015 | statesboroherald.com
Selecting the
Real Estate Agent
Buying or selling a home is a huge task and one you want to make sure you accomplish knowing all the rules, regulations and information. When you are buying or selling a home, it is essential to choose the right real estate agent for your needs. The best agents are energetic, positive and proactive. On the other hand, selecting the wrong agent can cost you lots of time and money. So how do you find the best agent for your situation? Here are some ideas to keep in mind. Real Estate Agent vs. Realtor A real estate agent may or may not be a realtor, but every realtor is required to be a licensed real estate agent. To become a realtor, a real estate agent has to join the National Association of Realtors (NAR). This allows him or her to attend industry meetings, get NAR newsletters, and access software and educational tools. Realtors adhere to a strict code of ethics and have solid knowledge of the real estate business. These professionals have been trained well, which means they will provide you with the best service. Where to Start Looking Recommendations are one of the best ways to find a qualified real estate agent or realtor. Ask people in your social network for referrals. Sometimes agents are good at helping clients purchase homes, but not as skilled at selling them. Keep that in mind when searching for the right professional. You might also contact local brokers or search the NAR directory online. Always work with credible, responsible agents. Otherwise you are wasting your time. Comfort Level At the initial consultation with a prospective real estate professional, focus on your comfort level while interacting with them. Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? Can they negotiate a contract? It is important that you feel comfortable with the agent. You must trust that this person can behave ethically and help you secure a good deal. Communication and Planning Your agent should be an effective communicator. If you are selling your home, your agent should develop an effective marketing plan, explain it to you, and respond to any questions or concerns you have. The marketing plan will probably involve placing advertisements and conducting open houses to invite the public for home viewings. If you are purchasing a home, the agent should listen to your guidelines and price ranges. Above all, your real estate agent needs to provide updates on progress. Do not work with someone who does not return phone calls or emails. More Resources To get a better idea about the process of buying and selling a home, conduct some research on your own. Real estate magazines contain good information and can be a great way to start your research. There are also a lot of good resources on the Internet, such as www.Realtor.com, which is associated with NAR and which contains free, useful information. You may find housing statistics, market forecasts and tips, but nothing beats the power of networking. You need to find people with similar interests who will help you in your endeavor. Upon successfully buying or selling your home, keep your real estate agent's contact information on hand. You may want to refer other people to him or her. You may also need their services again someday.
Hirsch
REAL ESTATE TEAM
(912) 764-6774 408 S. ZETTEROWER AVE STATESBORO, GA 30458 W W W. E R A .CO M
Pat Hirsch
Owner/Broker
Pat Hirsch 912-690-0924
Mandy Lane 912-682-8742
Holly Brannen 912-481-7511
Renee Kalloniatis 912-682-1827
Vada Hunter 912-601-2881
Paige Gledhill 912-481-1402
Stephanie Kennedy 912-222-8216
Cris Emberton 912-313-8960
Jerome Jones 912-687-5663
Jennifer Mock 912-687-2831