2015 how to guide

WEDNESDAY, JANUARY 28, 2015 NEWSMINER.COM

G U I D E

A Special Supplement to

EMPLOYMENT SERVICES

THE RIGHT TIRE SHOP

SEWING MACHINES

PRIVATE SCHOOLS

URGENT CARE CENTER

DENTAL IMPLANTS

APPLIANCE EFFICIENCY

• Chosing the right employment service

• Learn how to save money and energy by upgrading your appliances

• How do I choose a tire shop?

• How to choose an urgent care center

• How to know if dental implants are for you

• How to maintain better health and efficiency in an environment of poor air quality

• How do I pick a school of choice?

• How to choose a sewing machine

H2 Wednesday, January 28, 2015Fairbanks Daily News-Miner

HOW-TO GUIDE

choose an employment serviceF inding a job with

today’s economy is tough. Many people

are turning to employ-ment services to assist them in that search.

Employment services can connect people who just need a short term job to help with presents at Christmas time or help an executive land a new job. It really is all up to you.

Types of employment services

The first step in choosing the right employment service is to understand what type of service can help you the most.

Employment services fall into four different types.

The most popular service is a private placement service which works to bring job seekers to employees who are looking to hire. The expected outcome from this service is that the correct employ-ee is found for the company.

Other employment services are temporary help services. They exist to fill voids when employers need additional employees for short periods of time. These are particularly popular with retail-ers for the holiday season and for landscapers for the summer season.

The third type of employment service are retained search firms. These firms help specialized companies find highly qualified candidates for specific jobs. Sometimes these employment services are known as executive head hunters.

Many employment agencies have one or two vocations as a specialty, and you want to make sure that your particular inter-

ests fall within this realm so that the service will be able to provide you the most benefit.

Research what skills the employment service offers

The second step in choosing the right employment service is to find one that offers the ser-vices that you need.

Look for one that will help you assess your strengths and weak-nesses. There are several tests which employment services can use to assist in this process, but nothing replaces an in-person interview.

Also look for in an employ-

ment service that will help the potential employee put together a resume. These resumes can be done in various ways, and the employment agency should help the candidate assess which is the best format for them.

Additionally, look for an employment service that offers classes to train the potential can-didate to interview better. Some of these classes may be held in person. Other classes may be held online. Still other classes may be delivered as a newsletter in the mail or in emails.

Look for an employment ser-vice that offers a high success rate. The service should be able to give references of people that they have helped in the past. They should also be able to show you how they are actively search-

ing for jobs that meet potential employees skills and interests.

Contact the serviceThe third step in choosing the

right employment service is to contact the service. Ask them about how they are paid.

Some services are paid by the future employer. Others are paid by the employee upfront and still others are paid by govern-ment grants. Make sure that you understand how the employment service will be paid before they do work for you.

InterviewThe fourth step is to set up an

in-person interview. This will allow you to ask any questions

you have about their services. It will also allow you to sign up for their classes and resume services.

Find a jobThe last step is to let the

employment service assist you in finding a great job. Finding a legitimate employment service should not be overly difficult, but you should still take your time when trying to find the right one for you.

While jobs are not easy to find, employment services offer great assistance in doing so. Make sure to choose the type of employ-ment service that will help you the most. Then get busy finding that great new job. Your future success depends on you starting today.

PHOTO BY FLICKR USER ALAN CLEAVER

HOW TO

H3Wednesday, January 28, 2015 Fairbanks Daily News-Miner

H4 Wednesday, January 28, 2015Fairbanks Daily News-Miner 12514415 1-28-15H

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HOW-TO GUIDE

save energy by upgrading your appliances

There are three simple ways to increase your home’s energy savings today. In fact, many

homeowners don’t consider these three things, until something goes wrong with one of them. By being proactive, tremendous amounts of energy can be saved (not to mention your pocketbook will be happy too!)

Upgrade your water heaterBy upgrading your water heater to an energy

efficient model, you can save your valuable dol-lars. In fact, if the water heater in your home is more than ten years old, it could be increasing your normal utility bill by up to 25 percent. By upgrading to the latest technology in water heat-er design, you could save up to $30 per month. If you have an oil boiler, another option is to upgrade to an indirect water heater. Although it is a higher initial investment, the advantages outweigh the disadvantages. For example, a con-ventional hot water heater loses three degrees of temperature per hour, while an indirect hot water heater only loses quarter of a degree.

If you have a newer electric water heater, an add-on option to save energy would be to install a timer on the water heater. This way, the water heater isn’t heating constantly, only during the times in which you and your family use and need water most.

Water heater maintenanceJust as it’s important to annually maintain the

heating system in your home, it is just as import-ant to maintain your water heater. By having an annual flush out done on your water heater, the lifetime of your water heater will increase. Also, the flush out removes any sediment that has built up on the bottom of the tank.

Upgrade your household appliances

Other things homeowners can consider upgrad-ing to improve energy efficiency include: dish-washers, washers/dryers, and toilets. By upgrad-ing these appliances, you will also save money and energy. Older inefficient dishwashers use large, unnecessary amounts of water and electric-ity. Older washers and toilets can also use much more water than required. If dryer vents aren’t cleaned and maintained properly, not only is there efficiency loss, but also a major fire hazard.

PHOTO BY FLICKR USER ANDREA CASTELLI

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HOW-TO GUIDE

choose a tire shopTires are an import-

ant element of an automobile’s oper-

ation. They are responsi-ble for making sure that a car stays in contact with the road and provides the safest possible riding experience.

Tires also can affect an auto-mobile’s steering efficiency and balance. For that reason, you must make sure that you take the proper steps when you choose a tire shop to deal with.

You want to make sure you pick an organization that will deliver you high quality tires that will protect you and your family members.

The following are steps in the process of how to choose a tire shop:

Choose your budget

Money is one of the most important parts of the decision making process. You definitely want to take a dive into your finances and figure out how much you have to spend on tires.

Taking some time to figure out your budget will make things easi-er because you will be able to elim-inate shops that have extremely expensive products. Hopefully, you will only have to purchase tires once every year, depending on how many miles you drive.

Choose type of tires

There are so many different tires available for you to choose from. Knowing what you want requires an analysis of your area and your driving patterns.

If you live in an area that is mostly dry and warm, a standard tire will be fine for you to pick. However, if you live in a climate

where there is a lot of snow, you will want to choose snow tires, or tires that can be driven on snow and dry land.

In addition, there is high per-formance and high mileage tires that you may want to choose. These would be good if you are involved in any type of racing or if you travel a lot too and from work.

Choose an OutletNext, you must choose where

you want to purchase your tires. You have several options for such. You can purchase your tires online and have them delivered to your home. You could walk

into a national chain store and purchase them. You could also stop by local auto shops and see what they have available for you.

There are pros and cons to each way of purchasing tires. An online shop does not allow you to view the tires closely, for example.

Purchasing tires from a national chain store might be more expen-sive than any other method men-tioned. Getting tires from a local shop might be slightly less expen-sive than a national chain store, but you may not receive a nation-wide guarantee on the product. You have to way advantages and disadvantages and come up with a solution that is best for you.

New or usedYou must also decide whether

you are willing to purchase used tires or if you want to only buy brand new tires. The disadvan-tages of buying used tires are huge, but they would be of great benefit to a person who is not working with a very hefty bud-get.

If you choose to go the used route, please inspect the tires thoroughly for signs of extreme wear and tear. Any bubbles, holes, or cuts are a cue not to purchase the tires. If there is any metal showing, you will defi-nitely not want to purchase the product.

Check out the shops

The last thing you will want to do in this process is check out the local shops.

No matter where you decide to purchase from, you must visit the establishment and take a good look at their line of products and their personnel.

Make sure that the sales per-son you are working with is very trustworthy.

You most likely will be pur-chasing your tires from this same person for years. It is important that you and he can develop a strong business bond.

ERIC ENGMAN/NEWS-MINER FILE PHOTO

HOW TO


450-1200 219 Third Avenue

Mon–Fri 7:30 a.m.–5:30 p.m. Sat 8a.m.-5 p.m. (seasonally)

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Mon–Fri 7:30 a.m.–6 p.m. Sat 8 a.m.–5 p.m.

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STEESE IMMEDIATE CARE IS A GREAT ALTERNATIVE WHEN YOUR PRIMARY CARE PROVIDER IS NOT AVAILABLE

Who We Are We provide exceptional and cost-effective walk-in clinical services as well as professional occupational medicine. We are fully staffed with Licensed and Certified Physicians, Physician Assistants, Advanced Nurse Practitioners, Medical Assistants, X-ray Technologists and Phlebotomists.

What We Do Some of our services include:

• GENERAL MEDICINE: Bronchitis, eye injuries, wound infections, upper respiratory illnesses

• DIAGNOSTIC PROCEDURES: X-ray services, clinical laboratory, electrocardiograms

• ORTHOPEDICS: Treatment of minor fractures, sprains, strains, low back injuries.

• MINOR SURGERY: Cuts, abrasions, burns, removal of foreign bodies, lacerations, suturing

Monday–Friday 8:00 a.m.–7:00 p.m.

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(907) 374-7911

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HOW-TO GUIDE

choose an urgent care centerY our general prac-

titioner is the health care pro-

vider who knows the most about your family’s and your own health history.

Unfortunately, there are some-times when your physician isn’t available and someone needs medical attention fast. An urgent care center is often a better answer than the emergency room of your local hospital.

It’s a fact of life that health problems don’t always occur in the middle of the week during business hours. If you’re not dealing with a sudden serious illness injury, you may have enough time to research the urgent care centers in your area that best meets your needs.

You need to weigh a few factors when selecting an urgent care center. Some are obvious. Others require more information.

You will want to visit a location that is nearby. You’ll also want to know about the level of care that they can provide, the level of assistance available, their hours of operation, and the insurance plans they participate in. Choose one that accepts your health insurance.

Be prepared and research your town’s urgent care centers before you need fast medical care. Much of the information you need can be found in the telephone book’s display ads, your local newspaper or online.

If you live in an urban area, there are probably several choic-es within a short distance. If you live in a rural area, there may be only one provider. In either case, weigh your needs against what the centers provide. Rural residents might have to choose between the urgent care facility and the emergency room.

If you have children, you’ll want to find an urgent care facility with a physician who is qualified to treat them and who is comfortable doing so.

Your urgent care center is a backup plan for those times when your regular doctor isn’t available. It’s very important to select a center with extended hours or that is open 24 hours a day and seven days a week.

Generally speaking, an urgent care center has the equipment to handle an acute illness like a cold or flu, strep throat or an ear infection. They may also be able to help with certain types of long-term conditions such as high blood pressure. They can typically do basic lab work such as X-rays, treat simple fractures

and stitch wounds.If an urgent care center does

not have the resources to treat a medical issue that poses an immediate threat, they will transport a patient to an emer-gency facility in an ambulance able to obtain the necessary care. Until the time an ambulance arrives, the personnel at an urgent care clinic works to stabi-lize a patient’s condition.

It is the responsibility of the patient to know if his or her health insurance plan is accept-ed by the urgent care facility. If you don’t have health insurance,

flexible payment plans can be arranged. Most facilities also accept credit cards, checks and cash as payment.

People who use the services of an urgent care clinic usually have a positive experience. For example, if you have a bad case of the flu and your regular physician’s office can’t get you an appointment for another week, you’ll have to suf-fer for seven days, by which time you’re already feeling better when you do see your doctor. In con-trast, you can go to an urgent care facility, see the doctor, get a pre-scription if you need one and then

go home to rest and recuperate without suffering for days.

In addition to treating the usual strains, sprains, fractures, colds, flu and strep throat, many facilities are starting to offer pre-ventive services such as labora-tory testing and immunizations. Others can help you manage chronic diseases such as high blood pressure and diabetes.

Urgent care facilities can’t solve all your medical problems or treat all injuries. However, they are a welcome option when you’re sick and can’t see your regular doctor.

PHOTO BY FLICKR USER MORGAN

HOW TO


HOW-TO GUIDE

achieve better efficiency and better health

By now you have proba-bly heard that a large portion of the Fair-

banks North Star Borough was designated a nonattain-ment area for fine particulate matter (PM2.5) by the EPA because on several days each year there is more PM2.5 in the air than is healthy to breathe.

But what exactly is PM2.5? PM2.5 refers to particulate matter (i.e. a mix of solid particles and liquid drop-lets suspended in the air) that is 2.5 micrometers or smaller in size, or approximately 1/30th the diameter of a human hair.

These particles bypass the body’s natural defense mechanisms and become lodged deep in the lungs potentially causing respiratory problems. It is even small enough to enter the blood stream, where it can exacerbate heart problems. There are many health problems associated with high concentrations of PM2.5 in the air. Young children, the elderly, and anyone with an already compro-mised immune system are especially vulnerable to the effects of breathing in these particles. PM2.5 is produced through the inefficient combustion of fuels, such as wood, coal, home heat-ing fuel, gas, and diesel.

Fortunately, by incorporating ener-gy saving tips you not only save mon-ey but you help reduce the amount of PM2.5 in our air. Here are some tips to help you save energy and money, and to help improve air quality in our community.

• Split, stack, store and save! If heating with wood, split it at least once, stack to allow for good air flow, and store for at least six warm months to get wood that has moisture content of 20 percent or less. Burning dry wood saves you money because you need less of it to heat your home.

• Ride the bus or carpool to reduce the amount of gas you use and to save money on vehicle maintenance costs.

• Idle vehicles for less than 10 min-utes to avoid wasting gas and pollut-ing the air. A vehicle in motion warms up faster and more completely.

• Plug in your vehicle when the temperature is 20 degrees above zero or colder for at least one hour before starting the engine. This can reduce emissions, including pm2.5 And car-bon monoxide, by up to 70 percent, and minimizes vehicle wear and tear. Electric timers are inexpensive and can be set to turn on automatically an hour or two before the time you usual-ly leave the house to further minimize the amount of energy used.

• Weatherize your home to reduce heating costs and emissions by using less fuel.

• Perform regular maintenance on your heating appliance and consider upgrading older heating appliances for maximum efficiency and safest use.

By taking simple steps to save ener-gy, you save money and you help keep our air clean and healthier to breathe.

FOR MORE INFORMATION ON AIR QUALITY» Fairbanks North Star Borough: www.AQFairbanks.com or 459-1005 » Alaska Department of Conservation: dec.alaska.gov/air » Environmental Protection Agency: airnow.gov» Transportation: fnsb.us/transportation » MACS Transit: 459-1011» Van Tran: 459-1010

OTHER ENERGY SAVING TIPS» UAF Cooperative Extension: www.uaf.edu/ces/energy» AHFC Home Energy Rebate: www.ahfc.us/energy/home_rebate.cfm

HOW TO

TIM MOWRY/NEWS-MINER FILE PHOTO


HOW-TO GUIDE

research dental implants: Are they right for you?W ith the exception of

growing children, dental implants

can benefit people of all ages. Implants can provide the replacement of missing teeth without compromising adja-cent permanent teeth. They are especially beneficial for stabi-lizing ill fitting dentures which are difficult to wear.

What are dental implants?

Dental implants are screw-like struc-tures made of titanium, which is a met-al that the body easily accepts. Similar in function to a tooth, a dental implant can be used to replace a single missing tooth, support a bridge or serve as a foundation and support for denture(s).

Treatment planning for dental implants

Generally, a team approach is com-posed of the patient, restorative dentist and the surgeon. The process begins with a clinical examination, radiograph-ic evaluation and review of health histo-ry and medication(s).

Loss of dentitionUnfortunately, with the loss of denti-

tion bone deterioration of the jaw will occur and may require bone grafting. This can result in areas difficult to clean and maintain as well as estheti-cally unacceptable. Loss of bony ridges to support dentures can result in the inability to wear dentures successfully. This can lead to malnutrition. Replac-

ing missing teeth with implants in a timely manner can prevent this bone deterioration from occurring.

Implant placementDental implant placement is a surgi-

cal procedure which is done with local anesthesia. Oral or IV sedation can be utilized in an effort to minimize your anxiety and discomfort during and after surgery. Dental implants are surgically placed in the jaw bone. Over a period of up to six months the implant will safely fuse with the jawbone to form a secure base upon which a crown can be placed or to support a denture(s).

Restorative phaseAfter appropriate healing time of the

implant(s) your restorative dentist will complete the final preplanned treat-ment.

Dental implant success rate

While success rates do vary depend-ing on the individual patient, implants have an overall 95 percent success rate. Poor oral hygiene and smoking can definitely lower the success rate of bone grafting and implant procedures.

Find more detailed information on www.alaskasurgerycenter.com

HOW TO

JOHN WAGNER/NEWS-MINER FILE PHOTOS


HOW-TO GUIDE

22514416 1-28-15Ho

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A LASKA O RAL & F ACIAL S URGERY C ENTER , I NC . S TEESE M EDICAL C ENTER

Dr. Stephen H. Sutley, DDS, MA • Board Certified Oral and Maxillofacial Surgeons • Fellow America Association of Oral and

Maxillofacial Surgeons • Member of American Academy of Facial Cosmetics

Specially trained in a broad category of oral and facial surgical procedures including but not limited to:

Dentoalveolar Surgical Procedures: • Removal of teeth including

wisdom teeth • Bone and oral tissue grafting • Trauma, infections, pathology and

reconstructive surgery

Facial Cosmetic Procedures: • Botox and Juvederm injectables,

CO2 Laser resurfacing • Laser hair removal and removal

of facial blemishes (moles) • Microdermabrasions, acne

treatments

Dental Implants: • State of the art 3D technology

& equipment • Placement of dental implants

replacing lost teeth • Implants to secure dentures

The above procedures are offered with the options of Nitrous Oxide Sedation, Oral Sedation, IV Sedation or General Anesthesia in our clinic.

Clinical staff members include: Certified Surgical Assistants, Estheticians, Nurse Anesthetist (CRNA) and Anesthesiologist.

Contact Information: 1275 Sadler Way, Suite 202

Fairbanks, AK 99701 Phone: (907) 452-4101

Email: [email protected]

www.AlaskaSurgeryCenter.com www.AlaskaSurgeryCenter.com

(Located in the same building as Steese Immediate Care)

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HOW-TO GUIDE

We all instinctively want what is best for our children, and this

naturally includes the best edu-cation.

For this reason, many people choose to send their children to private schools. With the out-come so important, making just the right choice seems like a daunting task.

It becomes less daunting if you give it some thought, do some research and break the process down into steps. The following tips may help you choose just the right school:

1. Start by objectively evaluating your ultimate educational goals for each child (every child is different).

2. Ask for recommendations from your child’s current school, teachers, guid-ance counselors, family and friends. This should give you a good starting point.

3. Make a general list of the things your ideal school would offer. E.g. do you want your child to have access to extra-curricular activities such as sports, band, art or debate?

4. Do an Internet search (or word of mouth) of the schools in the area. Check

out their website, do they still interest you?

5. Depending on how far away the school is, you will

need to determine if there are suitable transportation options available to and from the school. The perfect school won’t be so perfect for you if you are going to have trans-portation issues.

6. Once you have done the preliminary research, you are ready

to make your “short list” of schools. These are the schools that fit your initial criteria and you and your child think should be in the running.

7. Once you have your list in hand, it is time to start filling in the details. This will help you further narrow the field. Don’t for-get to determine entrance requirements and insure that your child meets them before moving forward with a particular school.

8. Call the schools that interest you and set up a tour:

a. Create a list of general questions along with a set of specific questions for each of the schools on your list. While there, ask questions about the enrollment paperwork and any testing your child will have to complete.

b. Use your time at the school to get a feel for the atmosphere. Is it relaxed and friendly or more structured and disci-plined? Most importantly, is it what you expected and will your child feel comfort-able here?

c. Pay attention to how you are treated by the staff members. Are they friendly, helpful and respectful of your questions and concerns about your child’s educa-tion? Remember these will be the people you will be dealing with throughout your child’s school career.

d. Picture your family engaging in school activities and particularly picture your child spending time there. Try to meet as many of the staff and teachers as are available which, of course, depends largely on what time of year you go on your tours. If your child attends the tours, make sure to ask her what she thinks about the schools.

9. After your tours have been complet-ed, start reviewing your notes. At this point you will have already begun to elim-inate schools.

10. Now you also have a better under-standing of the total financial cost of each

school. If you will need it, you should already have asked each school if they have any financial aid.

11. If all has gone well, you’ll be able to apply to the school of your choice and have your child happily accepted.

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ABOVE PHOTO BY FLICKR USER ALAMOSBASEMENT

TOP LEFT PHOTO BY FLICKR USER AVOLORE


HOW-TO GUIDE

PreK – 12th grade • (907) 456-4574 • www.catholic-schools.org

Open House Sunday, Feb 22 • 1-3pm

• Meet the teachers • Check out curriculum • Meet students & faculty • Talk tuition • Check out our technology • See our Chapel • Talk to alumni • Find out what sets us apart!

Why choose Catholic Schools of Fairbanks: 1. Faith and Academics meet 2. We are a community of students, teachers, and parents 3. We offer band, orchestra, choir, sports, drama, and multiple

other extracurricular opportunities 4. Check us out online www.catholic-schools.org or Facebook 5. We offer buses 6. Small school feel, big school opportunities 7. We begin each day with a prayer and the Pledge of Allegiance 8. Call 456-4574 for a tour 9. Christ, Community, Consistency, and Fun

10. Affordable tuition 11. Easy Application

17512933-1-28-15HTG

Prospective Parent Meetings: Thursday, February 12, 6 - 7 pm and Saturday, March 7, 12 - 1 pm

Annual Spring Open House: Saturday, March 7, 10 am - Noon

1830 2ND AVENUE • 907-479-TREE Fall Enrollment for new families opens March 1

Visit our website for applications and a great introduction to our school: SpruceTreeMontessori.com

Offering Year-Round Montessori Programming for children ages 2.5 – 12 years old (pre-k, kindergarten , 1st – 6th grades).

17512957-1-28-15HTG

SpruceTreeMontessori.com Enjoy the Journey


HOW-TO GUIDE

Buying a new sewing machine is a major investment. Many

of the high-end models bear a price tag similar to those found on home appli-ances. Comparison shop before you lay out cash for a machine that doesn’t suit your needs.

Prospective buyers have sever-al sources of research material. Sewing magazines and websites offer customers’ products reviews. Additionally, Consumer Reports presents side-by-side comparisons of specific brands and their com-petitors.

Internet blogs and forums ded-icated to home sewing provide hands-on experience and evalu-ations of major brands. Machine owners share the positives and negatives, information you can use when making your own choice.

Make a list of the features you need and want in a sewing machine. Include must-have fea-tures and nice-to-have ones. All those neat accessories and attach-ments may seem like a good idea, but they add to the eventual price tag of the machine.

On the other hand, buying a cheap off-brand machine is a false economy. Flimsy machines will not perform as well as sturdier and slightly more expensive ones, nor will they last as long.

If you plan on having your sew-ing machine for several years, buy the best one you can fit into your budget. This may mean buying a very basic sewing machine. How-ever, many manufacturers sell attachments and accessories sepa-rately. You can always buy these as you need them.

Will you use the machine primarily for sewing clothing, making alteration, crafting, quilt-ing and embroidery? Or do you plan to do upholstery work or other sewing that may require a heavy-duty machine? How often

will you sew? Compare and con-trast various brands’ and models’ ability to meet your individual needs.

Your choice of a specific machine will be influenced some-what by the amount of space you can devote to its storage and use. A more compact model may be more convenient if you do all your sewing on the dining room table. On the other hand, a more com-plex machine with several attach-ments is better suited to life in a dedicated sewing room.

Don’t buy a sewing machine sight unseen no matter how good those Internet prices are. Visit a few local sewing stores and “test drive” a few different models. At the same time, you’ll start

building a relationship with a shop owner you like and trust. A reputable dealer is full of informa-tion and will be willing to give an honest access of each machine’s features and benefit, or draw-backs if there are any. Your sewing machine will need periodic repair and maintenance, so settle on a sewing center you like.

Take your list of features with you when you go shopping. Jot down the brands and models you are interested in trying out. Carry along a few swatches of the kinds of cloth and a spool of thread of the types you’ll be using most often. This is the best way to eval-uate a machine’s performance.

Select the machines you’re interested in and sew a few lines

or seams on them. How easy or difficult is it to thread them? Is it easy to adjust the tension?

Your personal comfort comes into play when you’re choosing the right machine. Is the foot pedal comfortable and easy to use? Does the machine hum merrily along or does it make an infernal racket that will leave you twitching and irritable after a few hours of use?

Ask the shop owner or salesper-son about the machine’s warranty terms. You’ll want to learn all about its maintenance schedule if this cost is included in the sale price. Page through the owner’s manual for the machines you’re interested in. Are they easy to understand without a degree in mechanical engineering?

Know which accessories and attachments come with your machine. Sometimes shop owners are receptive to doing a little horse trading, allowing you to swap one attachment for another or buying a few accessories as a package deal with the machine. Buy your machine and give your future business to the sewing center that treats you well and gives you the best deal.

Take your time when making your final purchase. You might have to go home, think, research a little more and then return to the store on another day.

Do your homework, try out sev-eral machines and feel confident in buying a sewing machine that seems to be tailor-made for you.

choose a sewing machineHOW TO

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H17Wednesday, January 28, 2015 Fairbanks Daily News-Miner 22514424 1-28-15H

owTo

Now you can cut fabric with ease.

Rejoice!

Northgate Square Mall • 300 Old Steese Hwy • Fairbanks 907-474-4739 • [email protected] • 800-478-3088 * www.blueribbonsewing.com


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HOW-TO GUIDE

determine the right insurance coverage

For most people their auto pur-chase is the second

largest investment they will make after buying a home; for those who rent it is the largest. Homeowners and renters understand the need for and make sure they have quality insurance policies. However, automobile owners are often woefully underinsured, especially in terms of life, accident, and disability insurance.

In 2012 PRWEB.com reported these staggering facts:

• 33 percent of workers will become disabled for at least six months.

• Many workers feel more strongly about insuring their homes than insuring their ability to provide for their families after a death or disabling injury.

• Approximately 100 million Americans aren’t protected by private disability insurance, and four in 10 U.S. adults have no life insurance.

• Most workers don’t realize that most injuries and organic dysfunctions do not qualify as disabilities under the federal Social Security Disability Insur-ance program. Or that almost 70 percent of first-time applicants are denied, and those who do qualify typically wait an average of two years before receiving their first payment.

• 91 percent of disabilities are caused by common illnesses or health conditions such as cancer, heart attacks, and child birth and are typically not covered by workers’ compensation.

• According to a recent Har-vard study, sixty percent of per-sonal bankruptcies occur as a

result of medical bills. Of these, 77 percent had major medical insurance (including employ-er-paid policies).

• More than 60 percent of American workers live paycheck to paycheck.

• Half of all households say they couldn’t raise $2,000 with-in a month if they needed to.

When purchasing an auto, the Life and Disability insurance pro-vides a safety net and can be used to pay off your auto loan in case of death. This insurance lessens the burden of debt for the remain-ing spouse who may now face a potential 50 percent or more reduction in household income.

With Disability Insurance,

If you are hurt, or become ill, and are not able to work, your monthly payments will be made until you get back on your feet or the termination of the loan, whichever comes first.

Generally Life and Disability insurance, sometimes called “life, accident, and health” insurance, can be added to your financing

package for just a few dollars a month. Ask your selling dealer about it when you purchase your next vehicle. The ability to pre-serve you or your spouse’s credit rating and provide continued reliable transportation can help sand the rough edges off life’s unexpected and difficult circum-stances.

HOW TOProtecting your investment, protecting your family: life, accident and disability insurance

PHOTO BY FLICKR USER CHRIS POTTER


HOW-TO GUIDE 58500103-1-29-14H

TG

Meet some of your local Chevrolet Buick GMC employees who are ready to serve you!

Zach Berka Parts Consultant

Zach is a Parts Consultant and has been in the auto industry since 2000. His favorite part of the Job is “working and getting to see all the new technology that comes out.” He was born and raised in North Pole and greatly enjoys the Alaska lifestyle. He down hill skis, snow machines, and loves to fish. Zach and his wife Alison are busy raising 2 year Cohen and are expecting their second child in June.

Spend This And Save This $100.00 to $199.99 . . . . . . . . . . . . . . . . . . . . . . $15.00 $200.00 to $299.99 . . . . . . . . . . . . . . . . . . . . . . $25.00 $300.00 to $399.99 . . . . . . . . . . . . . . . . . . . . . . $40.00 $400.00 to $499.99 . . . . . . . . . . . . . . . . . . . . . . $50.00 $500.00 to $599.99 . . . . . . . . . . . . . . . . . . . . . . $65.00 $600.00 to $699.99 . . . . . . . . . . . . . . . . . . . . . . $75.00 $700.00 to $899.99 . . . . . . . . . . . . . . . . . . . . . . $90.00 $900.00 to (or more) . . . . . . . . . . . . . . . . . $125.00

Plus tax, shop supplies and hazardous waste fee, if applicable. Some models may be higher. Must present this coupon at time of purchase. One coupon per customer. Coupon applicable to prior purchases. Not responsible for typographical or printing errors. May not be combined with other offers, discounts, coupons or specials. Valid only at Chevrolet Buick GMC of Fairbanks. Void where prohibited. some restriction may apply. See dealer for complete details. no cash value. Offer valid through 2/28/15

Service Center Savings

CHANGE YOUR LUBE, OIL, & FILTER

$49.95 With coupon • Offer expires 2/28 /15

Service Adviser Robert is a Service Adviser who has been in the Auto industry for over 15 years. Robert has a distinct advantage when it comes to advising clients on their best service options. He was a service technician for 13 years. “I enjoy the face to face interaction I get to have with clients as an advisor. I get to meet all kinds of people everyday.” Robert was born and raised in Alaska and spent 10 years playing competitive hockey. “I’ve traveled to almost every state in the country.” Naturally when not at work, he can often be found at the rink. Robert lives in Fairbanks with his Wife Anne, 10 year Daughter Karah, and their 3 dogs.

Robert Revernann Dave Spaulding Sales Representative

Dave is a Sales Representative that specializes in serving rural Alaska Communities. He arrived in the 49th state at the age of 16, “Like most guys, I wanted to be Jeremiah Johnson” Dave has been in the Auto industry for over 8 years. “I’ve sold vehicles to people from Point Hope, Barrow, Koktovik, Nuiqusiuit and Bethel to Fairbanks.” Dave enjoys giving back to the community on many levels and was named volunteer of the year from the Downtown Association in 2000.

Parts & Labor Savings

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