how to

AUGUST 15, 2010

CHOOSE A BANK • CHOOSE A PERSONAL INJURY LAWYER • PREVENT EXERCISE HEADACHES

CHOOSE A COLLEGE • CHOOSE A DENTIST • CHOOSE A RETIREMENT COMMUNITY

CHOOSE AN ASSISTED LIVING FACILITY • PRE-PLAN A MEANINGFUL FUNERAL SERVICE

INSIDE: HOW TO • CHOOSE A LASIK SURGEON • GET THE SLEEP YOU NEED • CHOOSE A CREDIT UNION

HOW TO CHOOSE A CREDIT UNION

HOW TO PREvENT ExERCISE HEADACHES

HOW TO CHOOSE AN ASSISTED LIvING FACILITY

HOW TO CHOOSE A COLLEGE

HOW TO CHOOSE A RETIREMENT COMMUNITY

HOW TO CHOOSE A BANK

HOW TO CHOOSE A LASIK SURGEON

HOW TO CHOOSE A DENTIST

HOW TO GET THE SLEEP YOU NEED

HOW TO PRE-PLAN A MEANINGFUL FUNERAL SERvICE

HOW TO SELECT A PERSONAL INJURY LAWYER

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AUGUST 15, 2010

page � The Times How-To Guide Advertising Supplement | Sunday, August 15, 2010

WHAT IS A CREDIT UNION?

A credit union is a cooperative fi-nancial institution, owned and con-trolled by the people who use its services. These people are mem-bers. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for mem-bers to save money and to get loans at reasonable rates.Credit unions, like other financial in-

stitutions, are closely regulated. The National Credit Union Administra-

tion (NCUA), an agency of the federal government,

insures credit union de-posit accounts up to

$100,000.What makes a credit union dif-ferent from a bank or sav-ings & loan? Like credit unions, these financial in-stitutions ac-cept depos-its and make

l o a n s - - b u t unlike credit

unions, they are in business to make a

profit. Banks and sav-ings & loans are owned

by groups of stockholders whose interests include earning a

healthy return on their investments.

FIVE WAYS TO FIND A CREDIT UNION

Credit unions are for everyone, but

the law places some limits on the peo-ple they may serve. A credit union’s charter defines its “field of member-ship,” which could be an employer, church, school, or community. Any-one who lives or works in a commu-nity, for example, is eligible to join a community-chartered credit union.If you don’t belong, here’s how to

find a creditunion to join:1. Contact the Minnesota Credit

Union Network. Dial (800)477-1034, or visit www.mncun.org on the web to search for credit unions in your area.2. Ask your family. One in three

Americans belong to a credit union. Chances are you have a family mem-ber that uses credit union services. And most credit unions allow mem-bers’ families to join.3. Quiz your friends and neighbors.

Many credit unions have a “commu-nity” field of membership, serving a region defined by geography rather than by employment or some other association. Ask friends in the com-munity if they know of a credit union you may join.4. Read the yellow pages. Some

credit unions rarely advertise, so you might not know about them unless you look them up. A yellow pages display ad may state a credit union’s field of membership. If not, at least you’ll know what number to call to ask about membership eligibility.5. Contact the Credit Union Nation-

al Association. Dial (800)358-5710 or visit www.cuna.org and check their online database of credit unions.

CREDIT UNIONS VS. BANKSA credit union is a cooperative, not-

for-profit financial institution. It is

owned and controlled by its mem-bers, and organized to bring savings and give credit to those who belong. Proponents of credit unions say earn-ings are returned to members in the form of higher savings rates, lower loan rates, fewer fees, and expanded services.In contrast, a bank is a financial insti-

tution that accepts deposits and makes loans to corporations and individuals for a profit. A savings and loan insti-tution is in business to accept depos-its and make loans, primarily for first and second mortgages, at a profit.Credit unions see healthy returns

on investments in order to help their members, while other financial insti-tutions send investment returns to their stockholders.Credit unions give members a voice.

Members vote for a board of direc-tors from the general membership.Directors serve on a voluntary basis

and hire a Chief Executive Officer, who in turn hires staff to manage the credit union. All members receive in-formation on the state of the credit union, generally in the form of news-letters and other periodicals, such as the credit union’s annual report.U.S. credit unions have a flexible,

highly organized cooperative network - the Credit Union System. The sys-tem works at the local, state, and na-tional level.There are over 10,000 credit unions

throughout the country serving over 80 million members. Minnesota is home to nearly 200 financial coopera-tives which serve well over 1,000,000 members.Founded on a philosophy of service,

credit unions adhere to the pledge of ‘People Helping People.

A credit union is a cooperative, not-for-profit

financial institu-tion. It is owned and controlled

by its members, and organized

to bring savings and give credit to those who belong.

CHOOSE ACREDIT UNION

IMPORTANTNOTES❒ Credit unions offer many of the same services as banks, usually at better rates and terms: checking, consumer loans,mortgages, and investment accounts.

❒ Credit unions are not for- profit, and exist first and foremost to serve their members.

❒ Credit union members are also owners. Memberselect a volunteer Board of Directors to strategically guide the organization.


You are having a great run and then Boom!

– the dreaded exercise (exertion) headache occurs. This type of headache occurs in one out of 100 people dur-ing some point in their lives, usually occurring during or after sustained, strenuous exercise. The

types of exercise most often associated with this

type of headache are: run-ning, rowing, swimming, ten-

nis, and weight lifting.

This headache syndrome is sub-divided into primary and second-

ary.

Primary exercise headaches are not associated with any underlying prob-lems, are more common in your 20s, last 5 minutes to 48 hours, and more common if you have migraine or his-tory of migraine in your family.

Secondary exercise headaches are those caused by an underlying prob-lem.

Some of the problems are: 1. Bleeding in the area covering the brain (subarachnoid hemorrhage). 2. Bleeding into the brain caused by abnormal blood vessels within the brain (arteriovascular malforma-tion).3. Intermittent stoppage of spi-nal fluid flow

4. Primary and secondary brain tumors

Secondary exercise headaches are more common if you are over 40, usually don’t have a history of migraine and last 24-72 hours.

Both types of exercise headache have symptoms such as:

1. Throbbing/pulsating 2. Affecting both sides of the head 3. Made worse by continued

exercise 4. Usually occur during or after strenuous

exercise

In addition, secondary exercise headaches may cause:

1. Neck stiffness 2. Severe vomiting 3. Double vision 4. Numbness or weakness on one side of

the body

If you have any of the symptoms of secondary type exercise headache, if the headache strikes suddenly like a thun-derclap, if you are 40 or older, or this is the first worst headache of your life, you should seek medical attention as soon as possible to exclude a life threatening problem.

Primary exercise (exertion) headache may respond to some common preven-tion measures in our day to day work-out schedules. The following have been the seven most successful changes in train-ing that have reduced or eliminated these headaches.

1. Start slowly. If you are beginning to exercise, walk before your run and if

you are a seasoned runner, don’t in-crease your distance or speed by more than 10%.

2. Make sure that you warm up and cool down. Beginning with easier exercise at the start and ending with some stretching often reduces or prevents the headache as well as sore muscles!

3. Stay well hydrated! This means water, more water and more water. These headaches are much more common in hot and humid weather and at high altitudes.

4. In hot, humid weather bring a towel soaked in ice and water and place it around your head/neck as you cool down.

5. If you feel you have low or dropping blood sugar, take a glucose tablet prior to exercise and have a high carbo snack or better yet, a full meal within one hour of your finish.

6. If you have no medical contra indi-cators and suggestions 1-5 are not working, try taking a couple of your favorite NSAIDs 15-30 minutes prior to starting to your exercise.

If none of these suggestions are help-ing with your headache problem, then it is time to consult with a headache specialist who is familiar with this type of problem. If your headaches are predictable, a medi-cation that can be taken prior to exercise may be recommended. If, on the other hand, your headaches are frequent or un-predictable, a daily preventative may be given.

Exercise (exertion) headache should not stop you from a healthier, more active lifestyle if you recognize it and work with your physician to prevent or control it.

Prevent Exercise Headaches


Choosing an as-sisted living facility can be

a difficult but impor-tant decision, one often complicated by emer-gency situations that rush decision-making. However, according to Robert Stein, general counsel for the Michigan Assisted Living Associa-tion (MALA), making a

positive transition to an assisted living facility only

takes careful research. The main goals of assist-

ed living are to aid residents — often the elderly — in tasks,

and provide a living experience where the mind and body are kept

active. Assisted living facilities gen-erally provide housing, group meals, personal care and support services,

and social activities in a residential setting. According to Mary Sieger, executive director of the Farmington Hills Inn, in Farmington Hills, the staff assists residents with simple household tasks, getting dressed, dietary needs, ad-ministering medication and more. TAKE THE FIRST STEP The first step is to determine the fa-

cility characteristics you or your loved one may benefit from. According to the AARP, formerly known as the Ameri-can Association of Retired Persons, as-sisted living facilities best serve those who don’t require skilled nursing or long-term assistance. Would your loved one enjoy a larger facility with many new people or a more intimate setting? Do you have any specific medical needs? Some facilities in-clude special programs and facili-ties to aid residents with demen-tia or Alzheimer’s, for example.

Once you’ve determined your needs, com-pile a list of facilities to visit. The AARP recommends a number of sources, includ-ing the local yellow pages; state agencies and your local area agency on aging. Make sure to ask friends or relatives for advice as well. LOOK AROUND Visit several facilities. Sieger recommends

touring at least three. Beware of facilities that require appointments to visit. She says reputable establishments should allow you to visit anytime during visiting hours. When visiting, make careful observations.

As Sieger suggests, check for cleanliness — in bath-rooms, public areas and dining rooms. Is the atmosphere friendly? How does the facility assess and meet residents needs? Does the staff seem attentive and polite? Observe and talk to the residents. Do they seem well-cared for? Check for safety measures. As the Ameri-

can Association of Homes and Services for the Aging suggests, look for well-lit stairs and halls, handrails in bathrooms and ways for residents to summon help if needed. Check to see if smoke alarms are installed in each room and hallway, that halls and passageways are clear and that exit doors are clearly marked, not locked and operate freely — especially disabled assist doors. Facility staff should know evacuation pro-cedures, and emergency numbers should be prominently posted. CHECK CREDENTIALS Find out if the facility is properly licensed

by the state, and if there is any history of problems or disciplinary actions related to the licensee.In Georgia, the Department of Human

Resources is the licensing agent for assisted living facilities. Through the DHR, you can find out information about assisted living facilities and their compliance with state li-censing requirements.The DHR also is active in investigating

complaints about assisted living facilities

and working with the facilities to make im-provements for residents.Within the DHR is the Office of the State

Long-Term Care Ombudsman, which has responsibility for investigating complaints and resolving problems affecting residents of long-term care facilities.The Long-Term Care Ombudsman pro-

gram in Georgia is more than 25 years old. In 2002 it was established as a separate of-fice within the DHR’s Division of Aging Services. The Office of the State LTCO works

through Area Agencies on Aging to address needs of residents in care facilities.In addition to investigating complaints,

Ombudsman work to promote community and family involvement in facilities, provide information on how to select a facility, and educate communities about the needs of residents in assisted living facilities.For more information, visit www.geor-

giaombudsman.org, call 888-454-5826, or contact your local aging program. CONSIDER COSTS Sieger advises families to thoroughly ex-

amine all the costs involved. Are costs itemized or is there a flat fee? Some facili-ties may cost several thousand dollars per month. Ask for all charges up front and in writing to avoid surprises. EASE THE TRANSITION If looking for a loved one, involve him or

her in your search process. Once you de-cide on the facility, bring your loved one for a visit. Keep lines of communication open to ease the transition. Find out what cus-tomizations you can make to the new space to make it feel more like home. Find out about social activities. Activities are essen-tial for preventing boredom, loneliness or depression. Activities at some facilities in-clude: shopping trips, Bingo, dance therapy, movies and arts and crafts. Finding some-thing to enjoy and people to do it with can make the move to assisted living a positive experience.

CHOOSE AN ASSISTED LIVING FACILITY

Tips: Choosing an assisted living facilityPLANNING

❒ Begin discussion and research early. Don’t wait for an emergency. ❒ Determine the type of care needed. What do you or your loved one need help with? Is specialized care needed?❒ Look for facilities in your area.To contact the nearest Agency on Aging and other services for adults, call Elder Care Locator at (800) 677-1116 or check its Web site:www.elder care.gov.

RESEARCH❒ Examine thefacility’s physical features: Is it clean? What facilities are available? Where do residents eat? Where do they interact?❒ Examine the staff. Do they greet residents? Are they attentive? Do they treat residents well? Are they well groomed?❒ Examine the residents. Are they well-cared for? Are they active? Do they seem happy?❒ Talk to residents


The high school years are often regarded as a time of carefree enjoyment,

and little or no responsibility. But what many students don’t realize is these are critical pre-paratory years for college.Academic performance in high

school, including the rigor of courses taken, continues to he the most important admission factor, followed by standardized admission tests, according to the National Association for College

Admission Counseling (NACAC).And in an economy where jobs

aren’t as plentiful as they once were, two- and four-year degrees are be-coming increasingly vital, which is making college admission increasingly competitive.The good news is that while the

number of students enrolling in col-lege has grown by 39 percent in the last 30 years, the number of institu-tions of higher education has grown by 44 percent, says the NACAG So, there are plenty of options available to you, even if you don’t get into your first-choice school

It’s never too earlyAs juniors, most students will take

the ACT and SAT admission tests, which 90 percent of universities re-quire in order to be considered for ac-ceptance, according to the NACAC. This is a good time to get into the col-lege groove and start looking at your options.The first step is to consider what at-

tributes you’re looking for in a college. Do you want a large campus or a more intimate one? Does the college offer a reputable program in the major you

plan to study? Prioritize a list of the attributes most important to you.If you need guidance, ask someone

who’s already been through the ap-plication process, such as college stu-dents who went to your high school, suggests The College Board. Get to know your counselors, ask a career planner at a local college or get advice from a teacher.College fairs are great sources for

gathering materials. The NACAC says a very high percentage of admissions officers continue to make frequent vis-its to high schools. Visit with recruit-ers and take this opportunity to learn about different schools.Visit schools’ web sites and check

features, such as size, academic repu-tation, admission standards, majors available and scholarships available. Make a second list and match it with your first — note which schools fit your needs and narrow your options down to five to seven schools.

The right fitIt’s critical to visit all of the schools

so you get an accurate feel of what each campus is like.You may be a fan of an institution

since you were 3 years old, but you might realize it’s not the right fit for you once you’re a [high school] gradu-ate. Summer is a great time to visit be-

cause it’s quiet. Decide which schools you feel most comfortable at. Hang out in the student center tour the dorms, check out what extracurricular or on-campus activities are offered, and even sit in on a class. Many colleges host visitation days for potential students. It’s a great way to feel the spirit of the campus. Some students prefer the or-

ganized group visits where they can meet faculty and tour with current students.After a thorough review, decide which

campus styles fit yours. Make sure to note important dates, such as appli-cation deadlines, housing deadlines and enrollment deposit deadlines, and meet them. You have one chance to make a good first impression and of-ten a late application won’t even he considered. Apply to your top three choices to keep your options open.

Choosing a major If you’re not sure what you want to

major in, check out the career centers of colleges you visit to see if you can narrow down your interests. Many of-fer testing to pinpoint your strong suits and secondary skills, which may help you make a decision. College counsel-ors are also available for assistance.Look for a college that offers a wide

variety of general studies to take first These courses may lead you to a ca-reer choice.

Making the gradeIf you don’t have the best grades in

high school, or don’t get into your college of choice, consider attending a community college first and then transferring.It’s a fantastic option. Because you

can start over. After 30 semester hours at a community college, schools are no longer looking at high school grades and scores.Remember, choosing a college is an

important decision and an individual process — start planning early to find the institution that can give you the most satisfying college experience.

CHOOSE ACOLLEGE

CONSIDER THESE FACTORS WHEN DECIDING WHEN TO GO TO COLLEGE:

❒ The top 10 criteria to consider when choosing a college are: a school curriculum, quality of instruction, average class size, admission requirements, quality of facilities, campus life, location, transferability, graduation rates and cost.

❒ When getting started in final decision process, start planning early. You’ll need plenty of time to gather information, visit campuses, apply for admission and securehousing.

❒ Scholarships are a great way to help pay for col-lege. Meet with your counselor and research scholarship books to check what scholarships might be available for you.


student focused, learning centered educationEngage in

www.gsc.edu

The Times How-To Guide Advertising Supplement | Sunday, August 15, 2010

The first thing is to find out what retirement com-

munities are located in the area where you or your relative(s) prefer to live. The weather is an important factor and the proximity to hospi-tals, doctors, pharma-cies, retail malls/stores is important.It is a good idea to ride

around to the various re-tirement communities to

get your first impression of the appearance, architecture

and location. It is also good to check the internet Web site of

each area retirement community. The Web site will provide key in-

formation about the services that are offered and the accommoda-tions.Other pertinent information may

be obtained from the Department of Human Resources Licensing and Sur-vey reports. This information may be obtained via the Internet, at the local Department of Human Resources or at any retirement community that has a licensed nursing wing or assisted living unit. The Dunn and Bradstreet Finan-cial rating, the State Nursing Home As-sociation, The Better Business Bureau and Long-term-Care Ombudsman are four additional agencies where retire-ment community stability and histori-cal information may be obtained.

INTERVIEW WITH KEY STAFFCall for an appointment and meet the staff; each retirement commu-nity is run by an executive director and managers of multiple depart-ments. These include nursing,

marketing, dietary, housekeeping, laun-dry, social services, recreational activities, maintenance of the physical plant and the grounds, security, business and transpor-tation.Make an appointment with the director

of marketing or the admissions coordina-tor.The marketing director will show you

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

TOUR PROPERTY, ACCOMMODATIONSA tour of the retirement community is

imperative to assess the types and sizes of cottages, apartments and rooms associ-ated with each level of care. Safety fea-tures, emergency response equipment and handicap accessability are important fea-tures of the tour. The tour allows a poten-tial resident to evaluate the size or space needed for their furnishings, the closets and storage space.The cleanliness and maintenance or up-

keep of the property may also be assessed on the tour. Staff-resident interaction, so-cial activities and residents’ appearances may also be observed.

BECOME INFORMED ABOUT SERVICES, ETC.During the initial and follow-up inter-

views and tour, it is vital to be informed about the amenities, services and levels of care that are provided and included in the admission contract. It is imperative that a potential resident be advised about whether the retirement community is a buy-in or lease arrangement, the price, re-fund policy, pet policy, etc. All amenities

such as meals, housekeeping and laundry/linen service, telephone, cable television, transportation and social activities should be explained.A full service, multilevel continuum of

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

gram should be assessed when making the decision about your future lifestyle. An activities or social calendar should be available for you to study. A varied pro-gram of activities offering mental or sen-sory stimulating activities, physical activi-ties and cultural entertainment should be included so that a resident has multiple daily options and may be as active as they choose to be.Examples of popular activities include

bridge and other card games, movies, bingo, aerobic exercise classes, exercise equipment for individual or group use, birthday parties, special theme parties and seasonal or holiday celebrations.Also, outings with provided transporta-

tion that include tours of the area, lunch-es at local restaurants and trips to cultural events should be included in the social calendar. Arts and crafts classes should be available for those who enjoy creative pursuits.A transportation program should be pro-

vided to assure transportation to doctor’s appointments and other essential pickups, deliveries or personal transportation to shop, obtain medications and other essen-tials since many senior citizens choose to stop driving.

CHOOSE ARETIREMENT COMMUNITY

The Top Five Things You should Know..

❒ Find out what retirement communities are located in the area where you or your relative(s) prefer to live.

❒. Interview key staff, including marketing, dietary, housekeeping, security and transportation managers and directors, to name a few.

❒. Tour the property to assess the living conditions, safety features and handicap accessibility.

❒. Become informed about services, amenities and continuum of care.

❒. Commu-nicate with the resi-dents, their families and friends.Plan an overnight stay at the fa-cility.


When you choose a bank, you

choose what could be a lifelong personal and business partner. That’s why a little homework can go along way in deciding what financial institu-tion will best fit your needs.“Before people con-

sider choosing a financial institution, they should

realize it’s a decision that should not be taken lightly

especially in light of the eco-nomic impact of the past few

years,” says Dave Huiskens, first vice president of Retail Product

Management for Comerica Bank, with headquarters in Detroit “Many people tend to focus on transaction prices, high rates of deposit and low rates on loans. I think that’s a trap. There are other elements that need to be considered.”

Making a financial friendTo narrow your choices, you must

first assess your individual needs and identify your “banking personality” advises the American Banking As-sociation (ABA), which suggests the following questions to ask:

• What is your goal in establish-ing a banking relationship? Sav-ing money? Using a checking account? Getting a loan? All of the above?

• How much money can

you keep on deposit each month and how many checks will you write? That information determines how complex or simple your hank account needs are, from multi service packages to no-frills accounts.• Will you be buying a home or car, or

making another large purchase in the near future? You may need to investigate loan products offered.• If you’ll be saving for a big expense

or your child’s education, review the in-stitution’s savings products. Many banks. offer additional investments, such as mu-tual kinds, in addition to traditional sav-ings accounts.• Do you prefer using Automated Teller

Machines (ATMs) and Internet banking services, or would you rather bank with an extensive branch network with regu-lar, evening and weekend hours?

Banking convenienceThe institution’s locations, hours, and

proximity to home and work are impor-tant to consider so you can easily bal-ance your banking with your busy sched-ule. ATM, Web and telephone services should also be readily available so the customer can access them conveniently, says Huiskens. “Think about what you will utilize. There may be a branch near-by, but if you do most of your banking on the Web or over the telephone, the place may not be that important” For those who like to have face-to-face in-teraction with their financial institution, “look at the people aspect, the service you expect. Are transactions handled ef-ficiently and without error? If an error does occur is it resolved quickly and to your satisfaction?’ Then take a close look at the fees asso-

ciated with the services you require, sug-gests the Better Business Bureau (BBB). Do you use ATMs frequently? Does the bank charge you for ATM transactions at other banks? How much? Compare that to another bank’s ATM charges. Many banks require minimum balances for free checking or savings accounts. The BBB suggests you look at the cost of the fees saved with a $1,500 minimum bal-ance, and compare that with the interest you might earn on the same $1,500. If it was invested in a Certificate of De-posit (CD) or other savings instrument Which is more beneficial to you? Use the same comparison to assess the benefits or costs of interest-bearing checking ac-counts.Also, a bank may want you to keep all

your accounts — including credit cards, mortgages and loans — at the same institution, often called “relationship banking,” says the BBB. Ask if you can combine balances to meet fee-free mini-mum balances or if there are other in-centives, If no incentives are offered, you may have to keep your accounts at different banks to get the best deal. Per-haps most important in choosing a bank is the institution’s longevity and dura-bility, says Huiskens. “There have been a lot of consolidations and transitions, and that may have changed that services offered. Look into its financial strength. How dues it manage through the tough times, and dues it stand by its custom-ers?” Finally do a gut check: Allow your-self a moment to measure your comfort level with the bank, Huiskens says. “Do the employees at the bank know you? Do they try to identify your needs over the short term and. the king term, or are they simply marketing products to you?”

CHOOSE ABANK

Consider these faCtors when Choosing your lifelong business partner:

❒ When checking outbanks, review the feesfor various services andtransactions, advises theAmerican BankingAssociation, but remember, price isn’t the only— or even most important — factor. ... Take aminute to think abouthow comfortable youfeel at each institution.

❒ Ask yourself somebasic questions: Is the staff friendly? Do they try to get to know you by name? Are transactions han-dled efficiently? If there’s an error,how is if han-dled? Does the bank stand by its customers?

❒ What is your goal in establishing a banking relationship? Saving mon-ey? Using a checking ac-count? Get-ting a loan? All of the above?

❒ Will you be buying a home or car, or mak-ing another large purchase in the near future? You may need to investigate loan products offered.


Tired of your contacts and

glasses? LASIK may be for you. While LASIK (Laser-Assisted In Situ Keratomileusis) doesn’t always result in perfect vision, says the Eye Surgery Education Council (ESEC), it can allow people to more freely pursue their hobbies, physical

activities and careers.It’s a lifetime investment

— and one with many benefits. In order, to

successfully free yourself from contacts and glasses,

it’s important to know what to expect, and to find an experienced

surgeon whom you can trust with your windows to the world.

What is LasiK?The Food and Drug Administration

says LASIK is a procedure that permanently changes the shape of the cornea — the clear covering on the front of the eye that helps focus light to create images on your retina — by using an excimer laser. During the surgery, a knife is used to cut a flap in the cornea, revealing the middle section of the cornea (stroma). Pulses from a computer-controlled laser vaporize a portion of the stroma, says the FDA, and the flap is replaced. The result is corrected vision.

The speed and development of the computers that run the lasers is a huge advantage today. Lasers are much safer today than they used to be.

am i a candidate?Patients can be 18 or 80 years old, as

long as they’re healthy. The ESEC says an ideal LASIK candidate is at least 18, with a stable contact or glasses prescription for at least two years; has sufficient corneal thickness; is affected by a common vision problem; and doesn’t suffer from a disease (vision-related or otherwise) that could complicate the surgery.As with any surgery, there are risks and

complications to consider. Some patients can lose vision; develop glare, halos and/or double vision; be under- or over-treated, requiring additional treatment or the continued use of contacts or glasses; develop severe dry eye syndrome or have results diminish with age, according to the FDA.

Finding a surgeonBecome a critical consumer of health

care in your search for an experienced, qualified surgeon. Do your homework. Research Web sites about LASIK, such as www.lasikinstitute.org, and schedule consultations with a few surgeons. Where you feel comfortable is where you should go.But there’s no substitute for experience:

According to the ESEC, several studies have shown there’s a learning curve associated with the surgery. The more procedures a surgeon has done, the better he or she will beat it. A surgeon who’s done 30,000 surgeries, and has eight or nine years of experience is a lot better than getting a cheap fix.Check surgeon credentials — you’ll

want to go to a certified, licensed ophthalmologist who’s had extensive training in refractive surgery. The surgeon should also have manufacturer certification on lasers, which should be FDA-approved. Contact the American

Board of Ophthalmology at www.abop.org, for information on certified surgeons in your area. Interview possible surgeons to see who

suits your preferences: Do you prefer going to a strictly refractive surgery center or a full-service ophthalmic practice? Do you feel comfortable with the surgeon, and his or her staff ? Is the facility comfortable and clean? Does the surgeon offer patient references?

What to expectOnce you find a surgeon with whom

you feel comfortable, the first step is to schedule a preoperative evaluation, during which you’ll receive a comprehensive eye examination. You can’t wear soft contacts for two to seven days (depending on the type of lenses), or hard lenses for a minimum of four to eight weeks prior to the visit. The surgeon will perform a number of tests to determine if you’re a candidate.Many surgeons allow patients to observe

the procedure from a viewing room to get a better idea of what to expect.The surgery lasts approximately 15

minutes and, on average, costs $4,000 for both eyes. Discomfort is minimal and you should be able to get back to normal life within a few days. And with the technology today, many walk out with 20/20 vision or better — and no contacts or glasses in sight.Remember that perfect vision isn’t

guaranteed. About 56 percent of patients achieve results of 20/20 or better, and more than 90 percent achieve 20/40 or better according to the ESEC. You may still need to wear glasses or lenses for some activities such as reading. Ask your surgeon what results he or she plans to achieve with your eyes.

CHOOSE A LASIK SURGEON

The Eye Surgery Education Council recommends asking surgeons these questions when considering LASIK:

❒ How many LASlK procedures have you performed?

❒ Do you provide a list of patients I can contact?

❒ What’s your complication rate?

❒ What laser do you use? Is it FDA-approved?

❒ What pre-operative diagnostic tests will you perform?

❒ May I observe a surgery?

❒ Are you licensed and board certified? Are you a member of any professional associations?

❒ What’s your re-treatment rate?


Stephen J. Farkas, M.D. • Jack M. Chapman Jr., M.D.Clayton G. Blehm, M.D. • Lori C. Lebow, M.D.

S. Michael Veach, O.D.

At Gainesville Eye Associates,we are dedicated to exceptional patient care and personalized treatment. With three decades of serving Northeast Georgia, Gainesville Eye Associates is the largest opthamology practice in the area.

Thanks to the latest advances in technology there are numerous options to allow patients to leave their glasses and contacts behind. The priority of our premier physicians and staff is helping you achieve your personal best vision.

• Modern cataract surgery with premium lens implant optionsFreedom from reading glasses for ages 55 and up.

• Specializing in custom LASIK with iris recognitionUnprecedented precision and accuracy.

• Botox cosmeticNon-surgical treatment with dramatic results for the reduction of frown lines.

• Droopy eyelid repairEyelid lift to make your eyes look more youthful.

• LatisseNew prescription treatment used to make longer, thicker and darker eyelashes.

• Visian implantable contact lensFor patients who are not a LASIK candidate.

• 18 month interest free fi nancing availableWe believe nancial barriers should not prevent you from reaching your vision goals.

2061 Beverly Road • Gainesville, GA 30501 • GainesvilleEye.com • 770.532.4444

A G i ill E A i

A clear vision of the future

we are dedicated to exceptional patient care and personalized treatment. With three decades of serv-ing Northeast Georgia, Gainesville Eye Associates is the largest ophthalmology practice in the area.

Thanks to the latest advances in technology there are numerous options to allow patients to leave their glasses and contacts behind. The priority of our premier physicians and staff is helping you achieve your personal best vision.

252521 6-20 em


Dentists are licensed practitioners who hold either a doctor of

dental surgery (D.D.S.) degree or the equivalent doctor of dental medicine (D.M.D.) degree. Becoming a dentist requires a minimum of two years of predental college work followed by four years of dental school. Howev-er, almost all students entering dental school have a baccalaureate degree.The first two years of dental school

consist largely of basic and preclinical sciences. The last two years are spent primarily in dental practice under fac-ulty supervision. State licensure is then acquired by passing national and state board examinations. Dentists who wish to specialize spend two or more years in advanced training. To become board-certified they must then pass an exami-nation administered by a specialty board recognized by the American Dental As-sociation.

Positive signsGood dentists take a personal interest

in patients and their health. They are prevention-oriented but not faddists. They use x-ray films and probably sug-gest a full-mouth study unless suitable films are available from the patient's previous dentist.A thorough dental examination in-

cludes inspection of the teeth, gums, tongue, lips, inside of the cheek, palate, and the skin of the face and neck, plus feeling the neck for abnormal lymph nodes and enlargement of the thyroid gland. In adults a periodontal probe should be inserted between the gums and teeth to detect abnormally large crevices. Good dentists also chart their findings in detail.Regular check-ups can detect problems

early. Routine tooth cleanings, bite eval-uations, periodontal examinations, early interventions, and fluoride treatments

can often avoid costly repairs. The fre-quency of maintenance care (including calculus removal and x-ray examina-tions) should be based on an assessment of the frequency of cavity formation, the rate of calculus formation, the con-dition of the gums, and any other spe-cial problem. Once current treatment has been completed, the patient should be placed on a recall schedule and noti-fied when the next checkup is due.High-quality dental work usually lasts

a very long time, whereas low-quality work may fall out or decay out in a few years. The price of dental work is not the best way to judge quality; rather, pay attention to the time the dentist takes to do the work. High-quality dentistry can-not be done assembly-line style; it takes time and meticulous attention to detail.Before embarking on treatment, get a

clear understanding at your own level of what is to be done and what the out-come might be. Consider treatment op-tions, because there may be more than one way to accomplish a goal. For ex-ample, a removable bridge, fixed bridge, or an implant may all be acceptable ways to replace a missing tooth; but they have different advantages, disadvantages, and cost.

negative signsWhen the fees charged per service are

low, the number of services performed may be greater than needed, resulting in higher overall cost.A small percentage of dentists espouse

or engage in unscientific practices. You should avoid any dentists who:•Automatically recommend replace-

ment of amalgam fillings or removal of teeth that have root canals •"Specialize" in treating headaches,

backaches, myofascial pain, or TMJ problems •Allege that fluoridation is dangerous

•Diagnose neuralgia-inducing cavita-tional osteonecrosis (NICO) •Go beyond dentistry by diagnosing

"heavy metal toxicity" or diseases other than those of the mouth, gums, teeth, and associated tissues.

Other tipsIt makes sense to become acquainted

with a family dentist before an emer-gency arises. Suitable prospects can be identified by asking among friends, ac-quaintances, and local health profession-als. Additional recommendations can be obtained from a local dental society or a dental school if one is located nearby.A good first step is to schedule a "get

acquainted" visit to see whether your personalities and philosophies of health care are a match. Ask about fees and payment plans. Most dentists prefer pa-tients to initiate discussion of fees be-cause patients know more about their own financial situation. Where large fees are involved for major work, it is best to have a written understanding of what fees will be charged and when payment will be due.Consumers Research offers these ques-

tions for judging a dentist's skills after you have received treatment:•How does your bite feel? •Is any of the dental work irritating

your gum? •Does the treated tooth look like a

tooth? •Does dental floss or your tongue catch

on the tooth? •Did the dentist take time to polish

your fillings? •Do you feel pain when drinking hot or

cold liquids? •Was any debris left in your mouth af-

ter treatment? •Does the dentist use a water spray to

cool your teeth while drilling?

CHOOSE ADENTIST

The eightrecognizedspecialtiesare:

❒ Dental public health: Pre-vention and control of den-tal disease and promotion of community dental health ❒ Endodontics: Prevention and treatment of diseases of the root pulp and related structures (root canal thera-py) ❒ Oral and maxillofacial pa-thology: Diagnosis of tumors, other diseases, and injuries of the head and neck ❒ Oral and maxillofacial surgery: Tooth extractions; surgical treatment of diseases, injuries, and defects of the mouth, jaw, and face ❒ Orthodontics and dentofacial ortho-pedics: Diagnosis and correction of tooth irregu-larities and fa-cial deformities ❒ Pediatric dentistry: Dental care of infants and children ❒ Periodon-tics: Treatment of diseases of the gums and related struc-tures ❒ Prosthodon-tics: Treatment of oral dysfunction through the use of prosthetic devices such as crowns, bridges, and den-tures


For many of us, getting a good

night’s sleep is the real American- Dream. A recent National Sleep Foundation (NSF) survey of more than 1,500 people, ages 55 to 84, found nearly halfof the respondents

suffer from sleepless-ness.The NSE, a Washing-

ton D.C.-based non-profit organization focused on

sleep research, education and advocacy, also found Ameri-

cans, ages 18 to 84, get an av-erage of about seven hours of

sleep each night. Those under 55 are likely to sleep less during the week, while older people have bet-ter sleep routines and tend to wake earlier.It’s a myth you need less sleep as

you age: Chronic pain, obesity and trouble walking — at any age — are linked to poor sleep.

What’s normal sleep?Specialists say a good night’s sleep

ranges from six to 10 hours. You may be sleep deprived if you doze off in meetings or have trouble concentrating.

Some people simply can’t sleep; others are kept awake by television or work requirements, according to Thomas Roth, Ph.D., director of Henry Ford Health Systems Sleep Disorders and Research Center in Detroit. He says

sleeplessness can be caused by biological problems, bad bedtime habits or the kind of lifestyle, such as shift work, that turns the body’s clock on its ear.Sleeplessness can be compared to drunk

driving, Roth says. “They also interact. If you have a couple drinks, you’re im-paired. If you have a couple of drinks and you’ve only slept four hours, you’re five times as impaired.”Sleep hygieneHealthy people can sleep better by mak-

ing two simple changes: don’t oversleep and don’t nap. If you do nap, don’t nap dose to bedtime. Don’t drink caffeinated beverages near this time, either.You may also consider moving the tele-

vision out of your bedroom. “It’s not a hard and fast rule,” Roth says. The ques-tion to answer is whether a few minutes of the tube will arouse and stimulate or soothe and relax you.

Sleep disordersIf you’ve made the lifestyle changes and

are still falling asleep in mid-conversa-tion, while reading or driving, see your doctor to rule out a sleep disorder.Sleep disorders range from something

as transient as jet lag to chronic condi-tions. Insomnia is marked by a difficulty getting to sleep,staying asleep or waking up too early and being unable to fall back asleep. Restless Leg Syndrome (RLS) en-tails such discomfort the sleeper must move around during sleep. Narcolepsy is a condition in which the body’s mes-sages about sleep and wakefulness are.misrouted in the central nervous system. It causes sleep at inappropriate times, and vivid, frightening dreams or longer-than-normal periods of sleep paralysis.With sleep apnea, the sleeper experi-

ences repeated spontaneous pauses in breathing, sometimes caused when the muscles at the back of the throat relax, partially blocking the airway. An estimat-ed 18 million Americans have some form of sleep apnea.

Putting disorders to bedInsomnia has been linked to depression,

and is now treated with behavior modifi-cation and short-term medication. Roth says depression affects people with in-somnia five times more than people who sleep well.Consult a specialist to get to the root

of your sleeplessness. The specialist will conduct a physical examination and evaluate your medical history. Some clin-ics allow people with sleep apnea to be observed in a laboratory sleep environ-ment for a comprehensive evaluation. At Henry Ford’s Multidisciplinary Sleep Ap-nea Clinic, physicians from different dis-ciplines — sleep medicine, oral surgery and otolaryngology (ear, nose and throat) — work together to develop a course of treatment for the patient, taking into ac-count all possible treatment methods.Treatments vary and can include behav-

ioral modifications, medical treatments and/or surgical procedures. Medication is the first line of defense against narco-lepsy and RLS. Apnea treatment includes losing weight, surgically removing excess tissue, or using a continuous positive air-way pressure (CPAP) device. CPAP is activated when the sleeper stops breath-ing; it gently forces air into the nostrils, keeping airways open. Untreated, some disorders, such as sleep apnea, can lead to high blood pressure and cardiovascu-lar disease; in some cases they can even be life threatening. HTG

Tips for sleeping soundly:

• Create a sleep rou-tine and stick to it.

• Avoid alcohol and caffeine after 5 p.m.

• Make your bedroom is appropriate for sleep-ing: Reduce noise by using a tan or “white noise” generator, re-place an uncomfort-able mattress or bed-ding, use curtains to block outside light from seeping in through the window or use a sleep mask (available for about $4 at many re-tail outlets).

• If you exercise, finish your workout well before bed-time.

• See a sleep specialist if you suspect you have a medical problem.

GET THE SLEEP YOU NEED


When a loved one dies, grieving family mem-bers and friends often

are confronted with dozens of de-cisions about the funeral – all of which must be made quickly and often under great emotional duress. What kind of funeral should it be? What funeral provider should you use? What are you legally required to buy? What other arrangements should you plan? And, as callous as it may sound, how much is it all go-ing to cost?Each year, Americans grapple with

these and many other questions as they spend billions of dollars arranging

more than 2 million funerals for fam-ily members and friends. The increasing

trend toward pre-need planning – when people make funeral arrangements in ad-vance – suggests that many consumers want to compare prices and services so that ultimately, the funeral reflects a wise and well-informed purchasing decision, as well as a meaningful one.

PRE-NEEDTo help relieve their families of some

of these decisions, an increasing number of people are planning their own funer-als, designating their funeral preferences, and sometimes even paying for them in advance. They see funeral planning as an extension of will and estate planning.

PLANNINGThinking ahead can help you make in-

formed and thoughtful decisions about funeral arrangements. It allows you to choose the specific items you want and need and compare the prices offered by several funeral providers. It also spares your survivors the stress of making these decisions under the pressure of time and strong emotions.One other important consideration when

planning a funeral preneed is where the remains will be buried. In the short time between the death and burial of a loved one, many family members find them-

selves rushing to buy a cemetery plot or grave – often without careful thought or a personal visit to the site. That’s why it’s in the family’s best interest to buy cemetery plots before you need them.You may wish to make decisions about

your arrangements in advance, but not pay for them in advance. Keep in mind that over time, prices may go up and busi-nesses may close or change ownership. However, in some areas with increased competition, prices may go down over time. It’s a good idea to review and re-vise your decisions every few years, and to make sure your family is aware of your wishes.Put your preferences in writing, give cop-

ies to family members and your attorney, and keep a copy in a handy place. Don’t designate your preferences in your will, because a will often is not found or read until after the funeral. And avoid put-ting the only copy of your preferences in a safe deposit box. That’s because your family may have to make arrangements on a weekend or holiday, before the box can be opened.

PREPAYINGMillions of Americans have entered into

contracts to prearrange their funerals and prepay some or all of the expenses involved. Laws of individual states gov-ern the prepayment of funeral goods and services; various states have laws to help ensure that these advance payments are available to pay for the funeral prod-ucts and services when they’re needed. But protections vary widely from state to state, and some state laws offer little or no effective protection. Some state laws require the funeral home or cemetery to place a percentage of the prepayment in a state-regulated trust or to purchase a life insurance policy with the death ben-efits assigned to the funeral home or cem-etery.Be sure to tell your family about the

plans you’ve made; let them know where the documents are filed. If your family isn’t aware that you’ve made plans, your

wishes may not be carried out. And if family members don’t know that you’ve prepaid the funeral costs, they could end up paying for the same arrangements. You may wish to consult an attorney on the best way to ensure that your wishes are followed.

CHOOSING A FUNERAL PROVIDERMany people don’t realize that they are

not legally required to use a funeral home to plan and conduct a funeral. However, because they have little experience with the many details and legal requirements involved and may be emotionally dis-traught when it’s time to make the plans, many people find the services of a profes-sional funeral home to be a comfort.Consumers often select a funeral home

or cemetery because it’s close to home, has served the family in the past, or has been recommended by someone they trust. But people who limit their search to just one funeral home may risk paying more than necessary for the funeral or narrowing their choice of goods and services.Comparison shopping need not be diffi-

cult, especially if it’s done before the need for a funeral arises. If you visit a funeral home in person, the funeral provider is re-quired by law to give you a general price list itemizing the cost of the items and services the home offers. If the general price list does not include specific prices of caskets or outer burial containers, the law requires the funeral director to show you the price lists for those items before showing you the items.When comparing prices, be sure to con-

sider the total cost of all the items togeth-er, in addition to the costs of single items. Every funeral home should have price lists that include all the items essential for the different types of arrangements it offers. Many funeral homes offer package funer-als that may cost less than purchasing in-dividual items or services. Offering pack-age funerals is permitted by law, as long as an itemized price list also is provided. But only by using the price lists can you accurately compare total costs.

ISSUES TOCONSIDERWHENPREPAYING

❒ What are you payingfor? Are you buyingonly merchandise,like a casket andvault, or are you purchasing funeral services as well?

❒ What happens tothe money you've prepaid? States have different requirementsfor handling fundspaid for prearrangedfuneral services.

❒ What happens tothe interest income on money that is prepaidand put into a trust account?

❒ Are you protected ifthe firm you dealt withgoes out of business?

❒ Can you cancel thecontract and get a fullrefund if you changeyour mind?

❒ What happens ifyou move to a differentarea or die whileaway from home? Some prepaid funeralplans can be transferred,but often at anadded cost.

PRE-PLAN AMEANINGFULFUNERAL SERVICE


Look under “at-torneys” in any

printed or online business directory or Yellow Pages and the choices are likely to be overwhelming.There are many dif-ferent facets of the law, both criminal and civil, and many attor-neys and legal firms specialize in handling

particular kinds of cases.

You don’t necessarily want an expert in civil law han-

dling a criminal case, nor are criminal attorneys necessarily

the best bet for personal injury litigation.

The decisions you make after a personal injury can impact your overall quality of life for years to come, both medically and finan-cially.

So what do you do if you need to know if you are injured in an ac-cident or suffering a work related illness? For example, if you were in an automobile accident, what would you do?

First, do not discuss your case with strangers, insurance adjusters or other curious people by telephone. Do not permit the tape recording of your voice by anyone – insur-ance adjusters, the person who caused your injury, or others – without first obtaining per-mission from your lawyer.

Do not sign your name to, or initial, any papers without first consulting with your attorney.

Do, however, notify your lawyer and report any changes in your telephone number, address, place of employment, medical condition or the discovery of other inju-ries. Also, report to your lawyer attempts by others to obtain your signature, initials or information. Get the name, address, and telephone number of any such person and advise your lawyer of that information.

Do call your lawyer if you have any ques-tions about your case or want to make an appointment, and see your doctor if you have pain or discomfort.

Send all bills, receipts and canceled checks related to your injury to your lawyer promptly. Keep a journal for yourself, recording and copying this information. Tell your lawyer the names, addresses and telephone numbers of any witnesses to your injury.

When you’ve been injured, it’s easy to feel confused and overwhelmed. You may have unexpected medical expenses or may have had to miss work or not fulfill your obliga-tions.

If you are injured, however, you are not alone. Trained legal experts with experience in the field of personal injury law can help you to navigate through the often confus-ing maze of legal, insurance and medical issues that might arise as a result of your injury.

In selecting a law firm to help you with your personal injury case, you should look for knowledgeable lawyers who have a proven track record in the field and who have credibility in the community. Make

sure that they will devote their time and ef-forts specifically to you and your case.

If you have been injured as a result of neg-ligence or malpractice, you may be eligible for collect significant financial compensa-tion. Since most personal injury cases have statutes of limitations (the time in which you may legally commence a lawsuit), time is of the essence when seeking legal repre-sentation for a personal injury claim.

The sooner you contact a lawyer, the more likely it is that the firm will be able to rep-resent you. It is essential that a lawyer get to work before the statute of limitations runs out.

Also, facts need to be gathered, witnesses interviewed and statements obtained while the details of your injury are still fresh in mind. The more time that passes between accident and when you contact a lawyer, the more people will begin to forget what happened.

In personal injury cases, it is important to have accurate descriptions of what hap-pened and exactly how an injury occurred. The faster necessary information is com-piled, the stronger a case will be.

No one plans on being injured or suffering an illness related to their work environ-ment, but if it happens to you, don’t try to handle complex legal and medical issues alone. A reputable law firm specializing in personal injury litigation can provide the advice and counsel you need.

Don’t make short-term decisions that may have long-range ramifications for your quality of life without the advice of experts in the field.

SELECT A PERSONAL INJURY LAWYER

How-To Tips:❒ Don’t talk about it: Do not discuss your case with strangers, insurance adjusters, other curious people or by telephone. Do not permit the tape recording of your voice by anyone — insurance adjusters, the person who caused your injury, or others — without first obtaining permission from your lawyer.

❒ Don’t sign anything: Do not sign your name to, or initial any papers, without first consulting with your lawyer.

❒ Contact your lawyer: Notify your lawyer and report any changes in your telephone number, address, and place of employment, condition or the discovery of other injuries Also, attempts by others to obtain your signature, initials or other information. Get the name, address, and telephone number of any such person, and advise your lawyer of that information.

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