How To June 2013

How-To GUIDE

HOW TO ❚❙❘ Select An OBGYN Choose A Retirement Community Choose A Credit Union Buy Hearing Aids Diagnose Restless Leg Syndrome Choose A Lasik Surgeon Choose A Mortgage Lender Choose Online Advertising Get A Car Loan

JUNE 16, 2013

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The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

June 16, 2013 TABLE OF CONTENTS PAGE 3

HOW TO CHOOSE A CREDIT UNION

PAGE 4

HOW TO CHOOSE A LASIK SURGEON

PAGE 6

HOW TO BUY HEARING AIDS

PAGE 8

HOW TO DIAGNOSE RESTLESS LEG SYNDROME

PAGE 10

HOW TO CHOOSE A MORTGAGE LENDER

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HOW TO CHOOSE A RETIREMENT COMMUNITY

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HOW TO GET A CAR LOAN

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HOW TO SELECT AN OBGYN

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HOW TO CHOOSE ONLINE ADVERTISING

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

CHOOSE A CREDIT UNION

IMPORTANT NOTES ❒ 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 notfor- profit, and exist first and foremost to serve their members. ❒ Credit union members are also owners. Members elect a volunteer Board of Directors to strategically guide the organization.

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WHAT IS A CREDIT UNION? credit union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

Credit unions, like other financial institutions, are closely regulated. The National Credit Union Administration (NCUA), an agency of the federal government, insures credit union deposit accounts up to $100,000.

What makes a credit union different from a bank or savings & loan? Like credit unions, these financial institutions accept deposits and make loans but unlike credit unions, they are in business to make a profit. Banks and savings & loans are owned by groups of stockholders whose interests include earning a healthy return on their investments.

A

FIVE WAYS TO FIND A CREDIT UNION Credit unions are for everyone, but the law places some limits on the people they may serve. A credit union’s charter defines its “field of membership,” which could be an employer, church, school, or community. Anyone who lives or works in a community, for example, is eligible to join a community-chartered credit union.

If you don’t belong, here’s how to find a credit union to join: 1. Visit the internet for information on credit unions near you.

A credit union is a cooperative, not-for-profit financial institution. It is owned and controlled by its members, and organized to bring savings and give credit to those who belong.

2. Ask your family. One in three Americans belong to a credit union. Chances are you have a family member that uses credit union services. And most credit unions allow members’ families to join.

3. Quiz your friends and neighbors.

Many credit unions have a “community” field of membership, serving a region defined by geography rather than by employment or some other association. Ask friends in the community if they know of a credit union you may join.

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

5. Contact the Credit Union National Association. Dial (800)358-5710 or visit www.cuna.org and check their online database of credit unions.

CREDIT UNIONS VS. BANKS A credit union is a cooperative, not-forprofit financial institution. It is owned and controlled by its members, and organized to bring savings and give credit to those who belong. Proponents of credit unions say earnings are returned to members in the form of higher sav-

ings rates, lower loan rates, fewer fees, and expanded services.

In contrast, a bank is a financial institution that accepts deposits and makes loans to corporations and individuals for a profit. A savings and loan institution is in business to accept deposits and make loans, primarily for first and second mortgages, at a profit.

Credit unions see healthy returns on investments in order to help their members, while other financial institutions send investment returns to their stockholders.

Credit unions give members a voice.

Members vote for a board of directors from the general membership.

Directors serve on a voluntary basis and hire a Chief Executive Officer, who in turn hires staff to manage the credit union. All members receive information on the state of the credit union, generally in the form of newsletters and other periodicals, such as the credit union’s annual report.

U.S. credit unions have a flexible, highly organized cooperative network, the Credit Union System. The system works at the local, state, and national level.

There are over 10,000 credit unions throughout the country serving over 80 million members.

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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?

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

CHOOSE A LASIK SURGEON

T

ired of your contacts and glasses? LASIK may be for you.

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

It’s a lifetime investment — and one with many benefits. In order, to successfully free yourself from contacts and glasses, it’s important to know what to expect, and to find an experi-enced surgeon whom you can trust with your windows to the world.

WHAT IS LASIK? The Food and Drug Administration says LASIK is a procedure that permanently changes the shape of the cornea — the clear covering on the front of the eye that helps focus light to create images on your retina — by using an excimer laser.

During the surgery, a knife is used to cut a flap in the cornea, revealing the middle section of the cornea (stroma). Pulses from a computercontrolled laser vaporize a portion of the stroma, says the FDA, and the flap is replaced. The result is corrected vision.

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

AM I A CANDIDATE? Patients can be 18 or 80 years old, as long as they’re healthy. The ESEC says an ideal LASIK candidate is at least 18, with a stable contact or glasses prescription for at least two years; has sufficient corneal thickness; is affected by a common

vision problem; and doesn’t suffer from a disease (vision-related or otherwise) that could complicate the surgery.

As with any surgery, there are risks and complications to consider. Some patients can lose vision; develop glare, halos and/or double vision; be under- or over-treated, requiring additional treatment or the continued use of contacts or glasses; develop severe dry eye syndrome or have results diminish with age, according to the FDA. FINDING A SURGEON Become a critical consumer of health care in your search for an experienced, qualified surgeon. Do your homework. Research Web sites about LASIK, such as www. lasikinstitute.org, and schedule consultations with a few surgeons.

Where you feel comfortable is where you should go.

But there’s no substitute for experience: According to the ESEC, several studies have shown there’s a learning curve associated with the surgery. The more procedures a surgeon has done, the better he or she will beat it. A surgeon who’s done 30,000 surgeries, and has eight or nine years of experience is a lot better than getting a cheap fix.

Check surgeon credentials — you’ll want to go to a certified, licensed ophthalmologist who’s had extensive training in refractive surgery.

The surgeon should also have manufacturer certification on lasers, which should be FDA-approved.

Contact the American Board of Ophth-almology at www.abop.org, for information on certified surgeons in your area.

Interview possible surgeons to see who suits your preferences: Do you prefer going to a strictly refractive surgery center or a fullservice ophthalmic practice? Do you feel comfortable with the surgeon, and his or her staff ? Is the facility comfortable and clean? Does the surgeon offer patient references?

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

Many surgeons allow patients to observe the procedure from a viewing room to get a better idea of what to expect.

The surgery lasts approximately 15 minutes and, on average, costs $4,000 for both eyes. Discomfort is minimal and you should be able to get back to normal life within a few days. And with the technology today, many walk out with 20/20 vision or better — and no contacts or glasses in sight.

Remember that perfect vision isn’t guaranteed. About 56 percent of patients achieve results of 20/20 or better, and more than 90 percent achieve 20/40 or better according to the ESEC. You may still need to wear glasses or lenses for some activities such as reading. Ask your surgeon what results he or she plans to achieve with your eyes.

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

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From LASIK to Cataracts, THE Laser Eye Surgery Team for Northeast Georgia

From LASIK vision correction to cataract surgery, Gainesville Eye Associates is the region’s destination for laser eye surgery.

Here’s what some of our patients say: “Before, I was chained to reading glasses…With just one eye done, two days after my surgery I was able to read a menu for the rst time in maybe ve to seven years.

“It’s the best thing I have ever done in my life for myself.”

For convenience and exible payments, ask about our Care Credit program for special interest-free nancing — and get the care you need today!

The physicians of Gainesville Eye Associates are highly skilled and experienced in state-ofthe-art laser surgery to improve the quality of vision in patients from young adults to senior citizens. The exacting nature of laser surgery offers superior outcomes in a safe procedure with fast recovery times.

LASIK treats vision problems like near-sightedness, far-sightedness and astigmatism using a precise, computer-controlled Excimer laser. Gainesville Eye Associates customizes each treatment plan based on your desired vision goals and outcomes. We are also the rst practice in Georgia to perform breakthrough bladeless laser cataract surgery . . . one of the safest, most accurate and effective procedures performed today.

Laser eye surgery for patients of all ages — from LASIK to cataracts.

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.

Gainesville • Braselton • Cornelia GainesvilleEye.com • 770.532.4444

facebook.com/GainesvilleEye

youtube.com/GainesvilleEyeAssoc

@GainesvilleEye

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The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

BUY HEARING AIDS

H

earing aids are not something anybody chomps at the bit to go buy like the latest iPad or cell phone. But maybe they should be.

Hearing loss occurs so gradually that most people wait several years after the loss first becomes a problem to even consider doing something. But early treatment of hearing loss has the potential to transform one’s life.

The National Council on the Aging did a study with more than 2,000 people experiencing hearing loss, as well as the significant others of those with hearing loss, and found that people who decided to use hearing aids demonstrated impressive improvements in their social, emotional, psychological, and physical well-being. Specifically, hearing aid usage is positively related to many quality of life issues.

Hearing loss treatment was shown to improve: • Earning power • Communication in relationships • Intimacy and warmth in family relationships • Ease in communication • Emotional stability • Sense of control over life events • Perception of mental functioning • Physical health There are two different professionals that can help people with their hearing needs. The Better Hearing Institute (BHI) defines them in this way: Audiologists identify and assess disorders of the hearing and balance systems of children and adults.

Audiologists select, fit, and dispense amplification systems such as hear-

Hearing Instrument Specialists assess hearing and select, fit, and dispense hearing aids and related devices ing aids and related devices; program cochlear implants; and provide instruction, rehabilitation, and counseling services to enhance human communication. A graduate (doctorate or master) degree is required for practice.

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

ists and audiologists is achieved by passing an exam from the National Board for Certification in Hearing Instrument Sciences.

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

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

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770-872-0778 333 Jesse Jewell Parkway

770-872-0778 770-872-0778 770-872-0778 333 Jewell Parkway 333Jesse Jesse Jewell Parkway 333 Jesse Jewell Parkway located betweenthe the hospital and and AT&T, Subs 770-872-0778 located between hospital AT&T, next nexttotoJimmy JimmyJohn’s John’s Subs 333 Jesse Jewell Parkway

located between the hospital and AT&T, next to Jimmy John’s Subs

located between the hospital and AT&T, next to Jimmy John’s Subs Dr. Laura Dennison Board Certified, Doctor of Audiology

William Dennison

Hearing Instrument Specialist

Stan Warner

Board Certified Hearing Instrument Specialist

located between the hospital and AT&T, next to Jimmy John’s Subs 770-872-0778 333 Jesse Jewell Parkway located between the hospital

Dr. Laura Dennison

Board Certified, and AT&T, next Doctor of Audiology

Dr. Laura Dennison

Dr.

BoardDennison Certified, Laura Doctor of Audiology Board Certified,

William Dennison

Hearing Instrument Specialist

to Jimmy John’s Subs

William Dennison

Hearing Instrument Specialist William Dennison

Hearing Instrument Specialist

Doctor of Audiology Dr. Laura Dennison Board Certified, Doctor of Audiology

William Dennison

Hearing Instrument Specialist

Stan Warner

Board Certified Hearing Instrument Specialist

Stan Warner

Board StanCertified Warner Hearing Instrument Specialist Board Certified

Hearing Instrument Specialist Stan Warner Board Certified

PAGE 8

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

Do you find yourself unable to sit still to watch your favorite evening program, or unable to stay seated during your vacation flight, or not able to fall asleep due to leg discomfort or jerking? If so, you may be among the 10 million adults in the United States with Restless Leg Syndrome (RLS). In the past, RLS, was called Ekbom’s Syndrome.

DIAGNOSE RESTLESS LEG SYNDROME

runs in families in up to half of sufferers, and researchers have found sites on chromosomes for RLS. WHAT CAN YOU DO TO GET RELIEF?

If your symptoms are mild and infrequent, first try some lifestyle changes.

SOME COMMON CHANGWhat are some of the symp- ES THAT HELP ARE: toms that might strongly suggests that this is your problem? 1.) Avoid caffeine The first and foremost symp- 2.) Cut back on alcohol and tom is experiencing an unpleastobacco ant, creepy crawling, jittery sen- 3.) Try moderate exercise sation in your legs that results 4.) Try relaxation techniques in a very strong urge to move like meditation or yoga them.

5.) Have good sleep hygiene 6.) Do activities that increase This unpleasant sensation mental alertness in the starts at rest and is characteristievening cally relieved by walking, pacing 7.) Begin and end your day or at times by simply stretching with a massage or muscle or jiggling the legs. stretching These symptoms, at first, are hardly noted during the day and are felt primarily at night. Often along with these sensations you may find that you have been told that you have “jerks” in your arms or legs while you sleep. The severity of these symptoms may range from annoying and infrequent to distressing and daily.

If, despite all the above practices, your symptoms are increasing and disrupting your life and sleep patterns, then referral to a physician who is knowledgeable in the diagnosis and treatment of more advanced RLS is indicated. The physician should be able to screen for related neurologic problems that could be making your RLS worse and guide you in the more advanced You may also want to question treatments that are sometimes others in your family as RLS necessary to control RLS.

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

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GAINESVILLE NEUROLOGY GROUP, LLC

Over 30 Years of Service to Northeast Georgia Leading Board Certified Neurologists in Northeast Georgia Since 1979

Michael S. Baugh, M.D., Clinton E. Branch, Jr., M.D., FAAN, Daniel L. Cobb, M.D.

If you need a neurologic evaluation, ask your physician for a referral to Gainesville Neurology Group or call our office at 770-534-7885 for information and appointments.

GAINESVILLE NEUROLOGY GROUP, LLC

• ALL physicians board certified in Neurology • ALL physicians hold academic appointments at Medical College of Georgia • ALL physicians dedicated to providing compassionate and comprehensive neurological care • ALL physicians dedicated to the teaching and training of future physicians Since 1979 Gainesville Neurology Group has helped patients in Northeast Georgia with neurologic problems: • Seizures • Parkinson’s Disease • Migraine • Neuropathy

• Dementia • Vertigo • Multiple Sclerosis • Myasthenia Gravis

1240 Jesse Jewell Parkway Suite 400 Gainesville, GA 30501 770-534-1117 │ 770-503-7285 (fax) www.gainesvilleneurology.com

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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.

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

CHOOSE A MORTGAGE LENDER

W

hen 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 in-

clude 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: • 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. If you have a complaint or need general information, you can reach the Mortgage Bankers Association of Georgia at 912-743-6255.

PRE-QUALIFICATION Before you start house hunting, it is wise to determine your price range. This can be done through the simple process of prequalification.

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 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 longterm 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 a new home to

achieve with your eyes.

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

Introductory

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As low as APR

APR

for 12 months

Variable rate thereafter 2

1

OAKWOOD

3785 Mundy Mill Road 770-287-8976

GAINESVILLE

2157 Sandridge Court 770-534-1165

CLERMONT

5172 Cleveland Highway 770-983-2593

With an introductor introductory 1% APR for the first 12-months, you can’t afford not to put “1” to work for you.

Call or visit us today to see how our home equity line can save you money!

ucbi.com/heloc

GAINESVILLE

351 Jesse Jewell Parkway 770-531-3191

MURRAYVILLE

5504 Thompson Bridge Rd. 770-535-8642

Important Rate and Disclosure Information about our 10-Year Home Equity Interest Only plan (the “Plan”).

The home equity line has a 10-year draw period and a 15-year repayment period. The introductory APR of 1% is valid on new property lines opened on June 3, 2013. The introductory 1% APR is in effect for the first twelve (12) months of the initial loan date and is applicable on all draws made within that period of time. The introductory 1% APR will expire on all balances on the 365th day of the line opening date. The borrower will pay 1% APR the first year and APR equal to prime plus margin for the remaining 24 years. It will be interest only payments during the first 10 years and then fully amortizing over the remaining 15 years. Any balance remaining after the introductory 1% APR promotion shall accrue interest at the standard rate(s) and margin(s) as described in your Equity Line agreement and below.

The APR is variable and may change daily after the initial 12-month introductory period, but will never exceed 16.00%. The APR is based on the value of an index plus a margin. The index is the Prime Rate as published in the Wall Street Journal. Prime Rate means the highest per annum “Prime Rate” of interest as published from time to time by the Wall Street Journal in its “Money Rates” listings. The current Wall Street Journal Prime Rate is 3.25% as of June 3, 2013. The margin is based upon the information you provide us, the amount of your credit line, the property value, your credit history, the loan-to-value (LTV) ratio, and other credit criteria we established for this offer. The initial discounted annual percentage rate will be in effect for 12 months directly following the origination of the equity line and is not based on the index 1 and margin used for later rate adjustments.

When the borrower maintains a checking account and debit card with United Community Bank there are no bank closing costs for lines between $10,000 and $100,000. Lines between $100,001 and $250,000 will pay $150 in closing costs and lines between $250,001 and $500,000 will pay $450 in closing costs. Lines must close using our “Quick Close” product in order to qualify for stated closing costs (loan origination fee). Borrower pays all mortgage recording taxes for Georgia and Tennessee properties, which range from $10 to $1,500. Insurance on 2 the property that secures your account is required. Flood insurance may also be required. Normal credit criteria apply. Subject to credit approval.

If a qualifying checking account and debit card are not in force by the borrower at the time of the loan closing, additional fees up to $2,500 will be paid by the borrower to cover all required closing costs and recording taxes. Additionally, an annual fee of $100 will be assessed for the duration of the line without a qualifying checking account and debit card at United Community Bank.

Except where prohibited by law, if you close your account or reduce your credit line limit during the first three years, you will be charged a $500 prepayment penalty unless you are refinancing your loan with United Community Bank.

Receive a credit at loan closing (up to $500) to offset a third-party lender’s early closing fee when you make an initial advance on your new Equity Line at United Community Bank to payoff your existing home equity line balance of at least $10,000 with that third-party lender (payoffs less than $10,000 are not eligible for the closing credit). Early closing fee must be assessed and identified by third-party lender through its payoff procedure in order to receive the credit at loan closing.

Offer available only for owner occupied, single-family residences. Not valid on manufactured homes. United Community Bank must be in a valid first- or second-lien position.

Exclusions and limitations apply. United Community Bank’s 35-Month Home Equity Line is ineligible for this program. Subject to change without notice.

Check with your tax advisor on the tax deductibility of home equity interest. Available in select markets only. NMLS #421841

Member FDIC | Copyright © 2013 United Community Bank

PAGE 12

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

THE TOP FIVE THINGS YOU SHOULD KNOW..

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

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

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

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

5. Communicate with the residents, their families and friends.

Plan an overnight stay at the facility.

T

he first thing is to find out what retirement communities are located in the area where you or your relative(s) prefer to live.

The weather is an important factor and the proximity to hospitals, doctors, pharmacies, retail malls/stores is important.

It is a good idea to ride around to the various retirement communities to get your first impression of the appearance, architecture and location. It is also good to check the internet Web site of each area retirement community. The Web site will provide key information about the services that are offered and the accommodations.

Other pertinent information may be obtained from the Department of Human Resources Licensing and Survey reports. This information may be obtained via the Internet, at the local Department of Human Resources or at any retirement community that has a licensed nursing wing or assisted living unit. The Dunn and Bradstreet Financial rating, the State Nursing Home Association, The Better Business Bureau and Long-termCare Ombudsman are four additional agencies where retirement community stability and historical information may be obtained.

INTERVIEW WITH KEY STAFF Call for an appointment and meet the staff; each retirement community is run by an executive director and managers of multiple departments. These include nursing, marketing, dietary, housekeeping, laundry, social services, recreational activities, maintenance of the physical plant and the grounds, security, business and transportation.

Make an appointment with the director of marketing or the admissions

CHOOSE A RETIREMENT COMMUNITY coordinator.

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

TOUR PROPERTY, ACCOMMODATIONS A tour of the retirement community is imperative to assess the types and sizes of cottages, apartments and rooms associated with each level of care. Safety features, emergency response equipment and handicap accessability are important features of the tour. The tour allows a potential resident to evaluate the size or space needed for their furnishings, the closets and storage space.

The cleanliness and maintenance or upkeep of the property may also be assessed on the tour. Staff-resident interaction, social activities and residents’ appearances may also be observed.

BECOME INFORMED ABOUT SERVICES, ETC. During the initial and follow-up interviews and tour, it is vital to be informed about the amenities, services and levels of care that are provided and included in the admission contract. It is imperative that a potential resident be advised about whether the retirement community is a buy-in or lease arrangement, the price, refund policy, pet policy, etc. All amenities such as meals, housekeeping and laundry/linen service, telephone, cable television, transportation and social

activities should be explained.

A full service, multilevel continuum of care retirement community offers levels of care that range from independent living in villas and apartments, to assisted living or personal care to skilled nursing care. It is preferable to move into a retirement community where a resident may “age in place” and not have to relocate to another property or facility if they should have changes in their condition or require personal assistance or nursing care.

The social or recreational activity program should be assessed when making the decision about your future lifestyle. An activities or social calendar should be available for you to study. A varied program of activities offering mental or sensory stimulating activities, physical activities and cultural entertainment should be included so that a resident has multiple daily options and may be as active as they choose to be.

Examples of popular activities include bridge and other card games, movies, bingo, aerobic exercise classes, exercise equipment for individual or group use, birthday parties, special theme parties and seasonal or holiday celebrations.

Also, outings with provided transportation that include tours of the area, lunches at local restaurants and trips to cultural events should be included in the social calendar. Arts and crafts classes should be available for those who enjoy creative pursuits.

A transportation program should be provided to assure transportation to doctor’s appointments and other essential pickups, deliveries or personal transportation to shop, obtain medications and other essentials since many senior citizens choose to stop driving.

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

PAGE 13

Relish Retirement We discovered a surprisingly different assisted living community.

Our independent and assisted living solutions deliver value, enjoyment and freedom from the unexpected expenses that come with owning a home.

Enjoy resort-style living with everything from restaurant dining to salon services, movies and a fitness center on site for your complete convenience.

We even offer a memory care neighborhood for residents facing the challenges of Alzheimer’s and other cognitive impairment.

Find out what all the smiles are about; call or visit us online for more information about our vibrant adult community!

3319 Thompson Bridge Road | Gainesville, GA 678-207-2345 | www.holbrooklife.com Call TODAY for more information or to schedule a tour!

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The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

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

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

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

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

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

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

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013 How to Guide Ad_Layout 1 4/18/13 3:14 PM Page 1

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The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

SELECT AN OBGYN Ask yourself a personal question: Why did you select your ObGyn? Maybe she was your mother’s ObGyn. Maybe his or her office is around the corner. Maybe your insurance carrier assigned you. Whatever motivated your selection, you must ask yourself this question next: Are you happy with your choice?

The fact is an ObGyn is a vital component of every woman’s health and well-being, and the selection process deserves careful thought and consideration. If you’re interested in evaluating your existing doctor or contemplating a new one, there are several important factors worth taking into account.

SCREEN TEST Some women use an ObGyn in addition to a primary care physician; others put their total health care in the hands of their ObGyns. The first step is to figure out how involved in your health you’d like your doctor to be.

According to a study conducted by the Collaborative Ambulatory Research Network (CARN) between 1995 and 2000, ObGyns are increasingly providing primary care services to their patents. From guidance in nutrition, infectious disease and hormone replacement therapy to psychosocial issues, genetic testing and general health concerns — osteoporosis, hypertension, heart disease even the flu — more ObGyns are becoming well-versed in the variety of health issues that affect women.

That’s no surprise to Rochelle Igrisan, RN, MSN and director of women’s Services at Providence Hospital, in Southfleld. “A woman is more than just a uterus,” she says. “Her physician needs to be concerned about her total health care.”

Once you’ve selected the role you’d

like your ObGyn to occupy, Igrisan recommends considering your other special needs and interests.

For many women, the gender of the physician tops the list because they feel more comfortable with one over another, Race, culture and language should also be taken into account, says Igrisan: “Sometimes because of cultural beliefs — Muslim and Indian women, for example — a woman might feel more comfortable with a physician from the same culture.”

To accommodate patients, Providence’s women’s center offers physicians from a wide range of nationalities.

Consider, too, if you’re in need of an ObGyn who specializes in areas such as fertility, natural childbirth or menopausal issues. Or perhaps your priorities are finding one who’s located near your home or office, open on weekends or accepts your insurance.

RESEARCH FOR TWO? If you’re pregnant or planning a pregnancy find out which hospital your ObGyn practices at to determine if that hospital’s methods and policies appeal to you. Providence, for example, conducts more than 3,800 births each year, and offers Jacuzzi tubs and large birthing balls as alternative methods of pain control during labor instead of routine IV’s and electronic fetal monitoring — which makes it difficult for moms in labor to get up or move around — Providence uses ultrasound Doppler enabling doctors to listen to the baby’s heartbeat while mom moves during labor if she desires. After the baby is born, visitation isn’t limited to dad: kids, friends and whomever mom wishes to see are welcome.

Instead of keeping a new mom in the hospital for a few days after birth,

the center allows mom and newborn to go home after 24 hours, and provides a homecare nurse to visit on the second day. During a two-hour visit, the nurse will examine the mother, check her stitches, and ensure she’s feeling well and comfortable. The nurse will also check the baby’s weight and eating habits, and demonstrate cord care, baby bathing and breast feeding.

If you’re a traditional person, a more traditional hospital may suit you best; if you support innovation, however, you might explore hospitals with more cutting-edge philosophies — whatever you decide, tour the hospital your ObGyn is affiliated with to get a true sense of what your birthing experience will be and if it meets your expectations.

FINDING A FIT Finding a doctor and hospital that suit your preferences isn’t always something a woman can do through the yellow pages.

“We formed a focus group to see if we were meeting women’s needs, and what we found was that women wanted to speak to a woman, not just get referred to a doctor,” says Igrisan. The response inspired her to create a Nurse Navigator, a female nurse who’s available by phone, email and Web site to assist women in finding a doctor who suits their specific needs, offer advice on problems for which a doctor’s visit isn’t necessary and point them in the right direction when a visit is in order.

Once you find an ObGyn who seems to fit the bill, make an appointment to meet with the doctor first — fully clothed.

“Find out if you’re comfortable in the surroundings,” Igrisan says.

“Even if your friend gives you a recommendation, check it out for yourself because a friend might value something you don’t.”

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

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NoRthEast GEoRGIa physICIaNs GRoup LaKEsIDE oB/GyN now seeing patients in dawsonville & dahlonega Jason Bailey, MD, FACOG; Greg Martin, MD, FACOG; Jacquelyn Stone, MD; Jameela Harper, MD; and the staff of Northeast Georgia Physicians Group (NGPG) Lakeside OB/GYN welcome Amber French, DO; Amy Helton, RN, CNM; Sherry Nored, RN, CNM; and the staff of Crown Mountain Women’s Health to the practice. With more than nine years experience in the North Georgia area, Dr French is proud to be joining the group and continuing to provide obstetrics and gynecologic services to the area.

Services include: • Comprehensive care for women of all ages • Routine and high risk obstetric care • Comprehensive surgery for pelvic prolapse and incontinence • Evaluation and treatment of pelvic pain disorders and endometriosis • Infertility evaluation and treatment • Minimally invasive hysterectomies • Bioidentical hormone replacement therapy pictured (l to R): Greg Martin, MD, FACOG; Sherry Nored, RN, CNM; Amber French, DO; Jacquelyn Stone, MD; Jameela Harper, MD; Amy Helton, RN, CNM; and Jason Bailey, MD, FACOG

“Our philosophy will remain the same, to treat the patient as a whole, encompassing traditional and complimentary medicine to provide exceptional care throughout a woman’s life.”

For more information or to schedule an appointment at one of our four locations call: Braselton - 770-219-9300

Dawsonville - 706-216-2345

Dahlonega - 706-864-3400 Gainesville - 770-219-9300 www.ngpg.org/lakeside-obgyn

Amber French, DO

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The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

CHOOSE ONLINE ADVERTISING EXTEND YOUR REACH THROUGH THE INTERNET Day by day, the Internet continues to play a larger, more useful role in our daily lives. And savvy consumers are the most enthusiastic and loyal visitors to local Web sites for news about their communities, entertainment and dining options, shopping alternatives and more. Adding a Web component to your advertising and marketing mix is essential to maximize your reach and deliver your messages to your target audience.

Most important, those who use the Internet for news updates throughout the day are bettereducated,earn a higher median household income and are in their prime purchasing years.

They represent the most coveted audience for advertisers, and they turn to the Internet for reliable, timely information when making purchasing decisions — whether that decision is for durable goods, gifts or entertainment.

These Internet users continue to be avid readers of the daily print newspaper. During the past week, nearly two-thirds of the visitors to a newspaper’s Web site also read a copy of the print edition. Furthermore,the Internet is a prime delivery vehicle for reaching a younger audience: Online newspaper visitors between the ages of 18 and 34 make up more than 40 percent of all viewers.

The Internet is an advertising medium that cannot be ignored — increasingly, it is a valuable

resource for advertisers’ most important audiences.

Complementing your print advertising with a presence on Web contributes to the success of your marketing plans — day by day.

ONLINE ADVERTISING VALUABLE Media researchers have examined the benefits to advertisers who add online spending to their marketing campaigns. In one study, a consumer packaged goods company experienced an increase in important metrics such as brand awareness, brand attributes and purchase intent following an increase in online advertising.

The study from the Advertising Research Foundation, the Interactive Advertising Bureau and Microsoft Corps’ MSN network also described a relationship between improved branding effectiveness and higher online frequency.

Newspaper sites heavily promote their “marketplace” sections, which offer an array of display, classified and onlineonly advertising. Site visitors can search for a particular merchant, product or service. The newspapers promote the benefits of marketplace sections using print and online promotional campaigns.

ONLINE ADVERTISING’S STRENGTHS During the past eight years, newspapers’ print and online

sales teams have consulted with local advertisers to develop programs that raise awareness and increase foot traffic. Advertising in the newspaper’s Web site and e-mail newsletters: —Raises awareness and reinforces your overall marketing efforts.

—Reaches a highly educated, high-income audience.

—Adds frequency and interactive elements to your in-print newspaper promotions.

—Expands the geographic boundaries of your advertising.

—Reaches online news viewers during the workday when they are making plans for lunch, shopping excursions and evenings out.

—Offers the ability to link to your Web site(s), which allows you to provide much more detailed information than is available in traditional advertising.

—Advertises your product or service on the Internet for a fraction of the cost of conventional advertising methods.

—Allows you to update products, prices and promotional messages in minutes, rather than having to wait for the next day’s paper.

—Includes color for no extra charge.

SOURCE: National Newspaper Association

The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013

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GEORGIA’S BEST NEWSPAPER SITE – Georgia Press Association

• 2 million + page views per month • 140,000 + visitors per week Telephone: 770-532-1234 • Fax: 770-532-8187 Toll Free: 1-800-395-5005 www.gainesvilletimes.com Office Hours: Monday-Friday 8 a.m. to 5 p.m.

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The Times How-To Guide Advertising Supplement | Sunday, June 16, 2013