how to guide

THE CULLMAN TIMES | FRIDAY, MARCH 30, 2012PAGE 2

THE CULLMAN TIMES | FRIDAY, MARCH 30, 2012 PAGE 3CONSUMER

HOW-TOCHOOSE A REALTOR

WHAT YOUSHOULD KNOW

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Look for an agentwho is a memberof the local boardor association ofRealtors.

V The agent shouldadvise you onhow to prepareyour home forthe market.

An agent shouldexplain and dis-close their roleand who theyrepresent.

VBe sure the pro-fessional showsenthusiasm, lis-tens well, instillsconfidence andhas a personalitythat is comple-mentary to yourown.

The sale or purchase of your home should involve a profes-sional.

WHO IS A REALTOR?The terms agent, broker, and Realtor are often used inter-

changeably, but have very different meanings. For example, notall agents (also called salespersons) or brokers are Realtors.Learn who is a Realtor and the reasons why you should use one.As a prerequisite to selling real estate, a person must be licensedby the state in which they work, either as an agent/salesperson, oras a broker. Before a license is issued, minimum standards foreducation, examinations and experience, which are determinedon a state by state basis, must be met.

After receiving a real estate license, most agents go on to jointheir local board or association of Realtors and the NationalAssociation of Realtors, the worlds largest professional tradeassociation. They can then call themselves Realtors. The termRealtor is a registered collective members mark that identifies areal estate agent professional who is a member of the NationalAssociation of Realtors and subscribes to its strict Code of Ethics(which in many cases goes beyond state law).

It is the Realtor who shares information on the homes they aremarketing, through a multiple listing service (MLS). Workingwith a realtor who belongs to a MLA will give you access to thegreatest number of homes.

HOW TO EVALUATE AN AGENTWithout any obligation, you can invite local Realtors to visit

your home and give you a listing presentation about whytheyre the best ones to market if for you. Two to three presenta-tions will probably give you a good opportunity for choice. A list-ing presentation includes having the Realtors review with you thereasons why you should list with that particular individual, andproviding you with information that will assist you in making ini-tial decisions about selling your home. Recent laws in every statehave defined the duties of someone specifically retained as a realestate agent. Most states require a real estate agent to explain hisor her role at the outset of any conversation. A professional agentwill promptly provide this such as a disclosure.

Look for an agent who:

Is a member of the local board or association of Realtors.Explains and discloses agency relationships (the role of

the agent, i.e. who they are representing-the buyer or the sell-er) early on in the process at serious first contact.

Advises you on how to prepare your home for the market.Shows some enthusiasm for your property, listens atten-

tively, instills confidence, operates in a professional manner,

and has a complementary personality style to yours.Has researched your property in the public records and the

MLS.Brings data on nearby homes that have sold (or failed to

sell) recently.The following are important questions to ask a potential

agent:Are you a Realtor?Do you have an active real estate license in good standing?

To find this information, you can check with your states gov-erning agency.

Do you belong to the MLS and/or a reliable online homebuyers search service? Multiple listing services are coopera-tive information networks of Realtors that provide descrip-tions of most of the houses for sale in a particular region. Iftheres no MLS, how often do you cooperate with other localbrokers on a sale?

What have you listed or sold in this neighborhood lately?Do you cooperate with buyers brokers?What share of the commission will you offer a cooperating

broker who finds the buyer? And in addition to the criteriamentioned above, there are a number of very important rea-sons you will typically prefer to work with a Realtor. Amongthem is the fact that they adhere to the NARs highest stan-dards of ethical conduct and professional training.

WHAT A REALTOR WILL DO FOR YOUSome of the duties your Realtors will perform for you include:Walk through the process of selling your home from begin-

ning to end.Provide comparable information about the prices for which

other properties have sold and analyzing data for you to gain atrue comparison.

Supply information regarding local customs and regulationsyou may want to consider.

Share information about your home through the MultipleListing Service and on the internet.

Place advertisements for your home.Field phone calls.Qualify potential buyers to make sure they would be finan-

cially able to buy your property.Negotiate the sales contract.Alert you to potential risks.Comply with the disclosures required by law.Provide you with an estimate of the closing costs you will

incur.Help you prepare for a smooth closing of the transaction.


Sooner or later everyone gets sick,so sooner or later everyone needs adoctor.

But finding the right physician is not always easy. Since peo-ple require different things from their physicians, its difficult toprovide blanket guidelines to find a good doctor. But there aresome basic tips everyone can find useful.

BASIC TIPS A good first step is to ask friends and family members who

have had good experiences with a physician. Second, contactclinics and hospitals in your area.

A good doctor is a combination of someone with good medical skills and good interpersonal skills the patient canrelate to.

The best way to find out if a doctor has these qualities is toask questions.

Where did the doctor go to school? Where did they do theirresidency? Where did they intern?

Is the doctor board certified in his or her area of specialization.

Patients should ask about after-hours coverage. Who handlesit and how is it done?

Another important question is how often the doctor wants tosee the patient. Do they want to see the patient on a regularbasis or just when they are sick?

Preventive health services can be important to some patients.Does the doctor provide screening exams, immunizationsand other such services?

What about office hours? Is the doctors office open in theevenings or on weekends?

How does the doctors office handle scheduling? What otherservices does the clinic offer? What hospital is the physicianon staff at?

Many of these questions have no right or wrong answers. Itjust depends on what fits the patients needs.

BE HONESTPatients should be up-front about what they are looking for

in a physician and ask questions to find out if the doctor they areseeing will fit their needs.

Sometimes it may take several visits to different doctors tofind one that a patient can relate to and feels comfortable with.

If a doctor is inattentive, doesnt get along with the patientor the patient is uncomfortable talking with the physician, theymay want to seek another doctor.

STAFF IS IMPORTANT, TOOA doctors staff can be a reflection upon the physician.For example, a good doctor should have a staff member

explain why a patent has to wait an exorbitant amount of time.Patients in turn need to be patient, because emergencies can

happen. The next time the emergency could involve the patientthat once had to wait. Finally, payment for medical services mustbe considered.

Patients need to make sure doctors they are looking at taketheir insurance. If patients dont have insurance, they need tomake sure they can reach a payment arrangement with the doc-tor.

Finding a good doctor is not an easy task. The right relation-ship between a doctor and a patient is different for every person.The task is further complicted by the fact many people dont reg-ularly see a doctor.

Patients need to do their part to help doctors in the relation-ship.

THE INITIAL VISITWhen seeing a new physician, a patient should bring any

medication they are taking and should be able to put in writingwhy they are taking the drugs.

Patients should also know any medications to which they areallergic, and the nature of the allergic reaction. They should alsobe prepared to give the doctor a good personal medical history.

The history should include any past or present chronic con-ditions, any family history of diseases such as diabetes, cancer orheart disease and a list of surgeries the patient has had.

Patients may also want to write down any questions theywant to ask the physician.

Despite the difficulties, finding the right doctor can increasethe length and quality of a patients life.

For more information, call CRMC's physician referral line at(256) 737-2588.

IMPORTANTPOINTS...... Get references from family

and friends Ask questions Be up-front about

what you are looking for

A doctors staff canbe a reflection upon the physician

Payment for medicalservices must beconsidered

QUESTIONSTO THINKABOUT.... What doctors are

covered by yourinsurance?

What are the doctorsqualifications?

Do you and the doctor communicateand get along well?

Can this doctorprovide what yourequire from yourprimary carephysician?

Consumer How-ToCHOOSE A PHYSICIAN

Everyone eventually gets sick

THE CULLMAN TIMES | FRIDAY, MARCH 30, 2012 PAGE 5


A JEWELER

Consumer How-To Choose

1. Look on the Jewelers ofAmerica website (seeresources) and get a list of allthe certified and accreditedjewelers in your area. All thejewelers listed abide by cer-tain standards of ethics andprofessional conduct to pro-tect the industry and you asthe consumer.

2. Phone around or checkthe websites for these jewel-ers to compare prices orproducts and length ofrepairs. Ask what type ofguarantee or customer satis-faction that they offer.Aftercare and service is justas important as the initialpurchase in caring for yourjewelry.

3. Check that maintenanceor cleanings occur on siteand not sent to an externalrepairer. Independent jewel-ers will often have an on-siteprofessional, unlike chainstores, but they can also be

more expensive. Whether touse an independent or achain will depend on yourneeds and budget.

4. Ask family and friendsfor recommendations orplaces and individuals wherethey have had a good experi-ence. A jeweler can lookgood on paper but there arenever any guarantees as tothe level of craftsmanship orthe efficiency of any particu-lar person.

5. Settle on the jeweler thatyou feel most comfortablewith and that you feel youcan trust. Choosing jewelryor caring for your existingpieces is a very personal andimportant process, so youshould never feel rushed orpressured and your chosenjeweler should be able togive information and expertrecommendations whateveryour requirements.

Picking the rightjeweler is an impor-tant part of the buy-ing process and canbe the differencebetween a treasuredexperience and anuncomfortable one.

Whether it is arepair, resize or apurchase, the rightjeweler will help youavoid the pitfalls andhorror stories thatcan befall yourprized possessions.


Every day hundreds of people suffer from pain sosevere, so constant, that it alters their lifestyle.Should you be one of these suffering in pain, youneed to find a team of experts who are dedicatedto helping you manage your pain so that you canenjoy your life. A comprehensive pain manage-ment team should include physicians, nurse prac-titioners, registered nurses, occupational therapistsand registered physical therapists all with special-ized training in pain management.

There are many physicians who are experts in par-ticular conditions and/or in repairing certaininjuries. However, after a condition or injuryresults in chronic pain, you may need to findsomeone who is an expert in pain treatment.

Anesthesiologists have specialized training in therelief of pain and total care of the patient before,during and after surgery. They have specializedknowledge about how medications work to relievepain and how they interact with the systems of thebody (e.g., circulatory, respiratory). In addition tocoordinating a comprehensive pain diagnosis andcare plan, an anesthesiologist treating people inpain will typically offer nerve blocks, trigger pointinjections and other procedural treatment options.

What are the Treatment Options?A comprehensive Pain Evaluation and diagnosiswill guide the appropriate treatment plan and willdictate the types of treatment involved in yourcare. Some specialists use non-surgical proceduresto help you control the aches and pains that limityour activities. Surgical referral may occur whenappropriate, depending on your condition. Yourtreatment plan may include one or more of the fol-lowing:

Physical therapy Occupational therapy & work simulation Aquatic therapy Exercise prescription Personalized fitness program Localized nerve blocks Epidural pain management Tissue and/or join injections Therapeutic massage Ultrasound therapy Pain education

What types of pain can be treated? Some of the types of pain that should be treated bya pain center include: Arthritis Chronic bursitis Back or neck pain Phantom limb pain Chronic sports injuries Intercostal chondritis Spinal headache Post-spinal surgery pain Shingles Post-shingles pain Nerve injury pain Chronic Regional Pain Syndrome (RSD) Compression fracture pain

Look for a center that goes beyond the physicalside of treatment. Its important to have the latestequipment and procedures; however, a quality cen-ter should provide individualized support andencouragement to you and your family to help youovercome the mental and emotional strain ofchronic pain.

Remember, the choice is yours!

Factors that canaffect a physicianslevel of knowledgeand experience inpain care include:

their credentials

the focus of theirmedical practice

the length of time thatthey have spent treat-

ing pain in theirpractice

Consumer How-ToCHOOSE A PAIN CENTER


If you need more exercise but find yourself putting it offor resisting it, then a good health club might be the answer.Finding a good one is fairly simple once you know what tolook for. If you have never been to a gym before then it isquite possible you arent sure how to tell a good gym fromone that may not suit you. Many of the things you should lookfor are simply common sense, while other things are not soobvious. It is up to you to choose what is important to you.

It is always a good idea to try out a facility at the time youare planning to work out at so you know what sort of condi-tions you will be facing before you sign up for a membership.

LOCATION Is the gym near your home or work? If it isnt then it maybecome inconvenient very fast. Even the most dedicated oftrainers would have a hard time commuting 45 minutes bothways to get to a gym .

QUALITY OF THE FACILITY If the gym is dirty and the equipment is falling apart thenchances are it is not a good choice. Look for well-maintained equipment and a clean facility. Check the benches and machines for fraying cables andstitching. Check dumbbells for loose plates and rust. Look at the cardio machines for wear and tear and listen forstrange noises.

OPERATIONBe sure the clubs hours of operation suit your schedule. Is thegym a coed facility, and what are the crowded times? Visit thegym during peak hours (such as lunchtime or after work) tosee if equipment is available when youll need it. Make surealso that its hygienic and smells clean.

EQUIPMENT Find out what equipment and amenities the club offerssuch as free weights and exercise machines. Equipment selection is a very individual point that holdsvarying weights for different people. Some people like a wide variety of equipment and machineswhile others just need some benches, dumbbells and barbells. A gym that has too much equipment can be just as bad as agym that doesnt have enough as they can be quite confusing,especially to a beginning trainer. Advanced trainers should look for heavy dumbbells (this is a

good indication of the target membership of a gym the heav-ier the dumbbells, the more advanced the trainers). Look for a wide variety of cardio machines as well.

PRICE Some of the best gyms around are also the most reasonablypriced. Be aware of what you are looking for in a gym and what youwill be paying for in a membership. If you just want to use theweights but are getting charged for the sauna, racquetballcourts, swimming pool, etc., you may wish to look into a no-frills gym at a lower rate. Many gyms actually justify rate increases because of addingnew equipment or services that nobody wanted or even uses. Substance should always win out over glitz and glamour. Price should also be judged according to location. A nearbygym at a slightly higher rate may be worth signing up forrather than a further away gym at a lower rate. If you dont gothen you are wasting your money anyway. For a good basic gym, the average rate is around $30 to 40per month. Lower rates often limit the number of days you canworkout during the week while higher rates often includemore services and facilities.

CONTRACTS AND FEESDont sign any contracts. Always look for a month-to-

month arrangement or ask for a trial period. If you are given afree trial period, get confirmation of this in writing. Somehealth clubs offer family or other discounts, so ask about theseperks. Ask also about payment options and extra fees. Talk tocurrent members who can answer specific questions about theclubs quality.

OTHER CONSIDERATIONSHow many people will be in the gym when you are plan-

ning to go? If the gym is extremely crowded at that time thenyour workout may not be as enjoyable. Nobody likes to waitfor equipment. To solve this, you must either work out at adifferent time or find a gym that doesnt get crowded at thattime.

This sounds like a lot of work, but regular exercise is oneof the best things you can give yourself, so you want to find agym or health club that works for you and where you can feelat home.

Be sure theclubs hours ofoperation suityour schedule.

Find out whatequipment andamenities theclub offers.

Be aware ofwhat you arelooking for in agym and whatyou will be pay-ing for in amembership.

Always look fora month tomonth arrange-ment or ask fora trial period.

Consumer How-ToCHOOSE A GYM


HOW-TOCHOOSEA PHARMACYThe drug stores that many Americans remember from the past have

all but vanished, replaced by modern pharmacies offering a full range ofservices. Todays pharmacies not only meet the needs for prescriptiondrugs and over-the -counter medications but often offer much more. Inbetween doctor visits, your pharmacy can be an important resource foryou and your family. There are many things to consider when choos-ing a pharmacy to make sure you are getting the best price and thebest service to fit your needs.

SSTTEEPPSS11.. AAvvaaiillaabbiilliittyy:: This includes two aspects.

** LLooccaattiioonn:: You want to make sure that the pharmacy is closeto where you live and work, with convenient parking andhandicap accessible entrances.

**PPhhaarrmmaaccyy HHoouurrss:: You dont need a 24 hour pharmacy, butyou want to make sure that the pharmacy offers extended hoursfor your convenience, or maybe even after hours emergencyhospice services.

22.. IInnssuurraannccee::** RReegguullaarr PPrreessccrriippttiioonn IInnssuurraannccee:: You want to make sure that

the pharmacy you choose accepts a lot of insurance plans, andmost importantly, the insurance plan you currently have.Insurance plans change regularly so if your pharmacy acceptsmost insurance plans you wont have to worry about changingpharmacies if your insurance changes.

** MMeeddiiccaarree PPaarrtt DD:: If you are a Medicare recipient you want tomake sure that the pharmacy accepts ALL Medicare Part Dplans. As a Medicare Part D patient, sometimes one planbecomes cheaper than another. You want to make sure that ifyou change plans you wont have to change pharmacies.

33.. NNoo IInnssuurraannccee::** SShhoopp AArroouunndd:: Some mass merchandisers have a generic drug list

that offers a 30 day supply at reduced rates. Dont be fooled bycrafty gimmicks. Mass merchandisers may have lead the way,however, other locally owned pharmacies are not far behind inpricing ,while continuing to offer better services and convenience.

** PPrriiccee MMaattcchhiinngg:: Some pharmacies are matching these prices,so you dont necessarily have to walk through these large storesto benefit from low prices. If the pharmacy will match the price ofanother, then you wont have to go to two different pharmacies.

44.. HHIIPPAAAA CCoommpplliiaannccee: The Health Insurance Portability andAccountability Act (usually referred to as HIPAA) deals with patientrights. When choosing a pharmacy, make sure that they complywith the current HIPAA laws. Make sure that your pharmacy has aprivate consultation area for confidentiality purposes.

55.. OOvveerr--TThhee--CCoouunntteerr PPrroodduuccttss:: It is handy when your pharmacy

also carries over the counter (OTC) products such as Tylenol orSudafed. When your sick and the pharmacist suggest that alongwith your prescription, Tylenol can help your sore throat or youmay need an ice pack, heating pad, or crutches for your injury,you dont want to have to drive to another store to have to get it.

66.. FFaasstt,, FFrriieennddllyy aanndd PPeerrssoonnaall SSeerrvviiccee:: Just like when choosinga grocery store, you want good customer service withoutexcessive waiting. The same goes for a pharmacy. You want apharmacy that will call your insurance company if there is aproblem. You want a pharmacy that will work with your doctoron dosing and refill issues. Also, knowing the name of at leastone of your pharmacists is always a good thing. It is nice tohave someone to ask health questions without having to go to adoctor. Get to know your pharmacist.

77.. LLaarrggee IInnvveennttoorryy:: The pharmacy that you choose should have a goodsized inventory. Every pharmacy cannot guarantee that they willhave your prescribed drug 100% of the time, but if they have alarge inventory, the odds are pretty good that they will have it instock.

88.. SSppeecciiaall SSeerrvviicceess:: Some pharmacies offer special services thatset them apart from other pharmacies. Does your pharmacy contact the doctors office for you if your prescription is out of refills,or too expensive, or not available? Other considerations in choosing a pharmacy include a knowledgeable staff and excellent customer service. Finding a pharmacist who is willing to answer anyand all questions in a simple fashion is invaluable. It can beimportant to fully understand each new drug before taking it and toknow what interactions are not recommended. A regular pharmacist should become familiar with your family and be able to helpwith any needs. A pharmacist with the knowledge and experienceto suggest the right vitamins or even over-the-counter products isan asset in todays world.

Most importantly, it is a good idea to get all of your prescriptions filled at a single pharmacy. The pharmacy keepsa complete medical profile on you. These profiles record allmedications that you are taking, health problems and drugallergies that you have told the pharmacist about. By goingto a single pharmacy, your pharmacist will be able to continuously update your patient profile - making sure all the information is accurate. This will help avoid problems that occurwhen some medications are mixed. With a little effort, youshould be able to find a pharmacy that will be your partner inyour goal of living a healthful life.

Some specialservices to keep

in mind are:

* Delivery Services

* Extended Hours

* After HoursHospice RX

* RX Compounding

* Flavoring Liquid Medicines

* Durable Medical Equipment

* Diabetic supplies

* Blood PressureChecks

* Drive Thru Service

* Eye Glasses

* ATM Service

* Point of Sale System:

Customers using FlexCard accounts for theirmedical needs will havethe burden of proof thattheir Flex Card spendingis actually being used formedical purposes. Thisprocess will be simplifiedby using a pharmacy thatutilizes a Point of Salesystem. Ask your pharma-cist for details.


PERFORM YOUR OWN ENERGY EVALUATION

Consumer How-To

No matter the age of your home, itcould benefit from a private energyinvestigationalso known as anenergy audit. [Co-op/PUD/PPDname] offers [free] home energyaudits conducted by [certified pro-fessionals/energy advisors]. But youcan get started on your own search tofind low-cost solutions that couldsave money every month on yourelectric bill.

To be an energy private-eye,ask yourself a simple question: Doesmy home feel drafty and cold in thewinter, or stuffy and hot in the sum-mer? If your answer is yes, thenyour home probably experiences airleakage.

To track down where those spotsare, round up the usual suspectsculprits like damaged seals arounddoors and windows. If you see day-light or feel air, then apply caulk andweather stripping to keep outdoor airwhere its supposed to be.

But dont forget spots you mightnot immediately think of, likerecessed canister lights and electricaloutlets. Outlet insulation kits can bepurchased for as little as $2, and youcan fix up your canister lights withsome caulk around the edges.

Also look where walls meet the ceil-ing. Cobwebs mean youve got drafts.

Next, poke your head into theattic and inspect the crawl space or

basement for sufficient insulation.How much you need depends onyour climate. Check out the insula-tion calculator from the Oak RidgeNational Laboratory atwww.ornl.gov/~roofs/Zip/ZipHome.html. Its important to rememberinsulation wont do its job well iftheres not a proper air barrier work-ing in tandem. That means all jointsand cracks must be sealed betweenyour living space and insulation.

Finally, look to your light fix-tures. Compact fluorescent light-bulbs (CFLs) are up to 75 percentmore efficient than traditional incan-descent bulbs, and theyve come along way in light quality, design, andaffordability. You can purchase CFLsin a variety of shapes and hues. Theycost more upfront, but youll makeyour money back in less than ninemonths and after that, they start sav-ing money. Make sure to purchase aCFL thats rated by ENERGY STAR,the U.S. Environmental ProtectionAgencys program that denotes prod-ucts meeting specific energy efficien-cy criteria. ENERGY STAR-rated CFLswill typically last 10 times longer thana traditional incandescent bulb pro-ducing the same amount of light.

To learn more about ways toreduce your electric bill, visitEnergySavers.gov ORTogetherWeSave.com

To be an energy pri-vate-eye, ask yourselfa simple question: Doesmy home feel drafty andcold in the winter, orstuffy and hot in thesummer? If your answeris yes, then your homeprobably experiencesair leakage.

To learn more aboutways to reduce yourelectric bill, visitEnergySavers.gov ORTogetherWeSave.com


What is hospice?

Philosophy and HistoryThe hospice philosophy recognizes that every person deserves tolive out his or her life with respect and dignity, alert and free ofpain, in an environment that promotes quality of life. This conceptof care came to the United States in the early 1970s, at a timewhen the vast majority of terminally ill people died in the hospital,often alone and in pain. From its beginnings, hospice has focusedon the whole person body, mind, and spirit - with an understand-ing that serious illness profoundly impacts not only the patient, butfamily and loved ones as well.

Over the years, the medical community came to embrace hospicefor bringing quality and end-of-life services into the home, wher-ever home may be. Now, with the support of hospice professionaland volunteers, individuals may maintain control over their end-of-life choices. They do so knowing that hospice will support thepatient and family in a multitude of ways.

Programs and Services

A team of hospice professionals and volunteers work cooperative-ly with the patient, family, and the primary physician to providethis special form of care. Hospice addresses the physical, emotion-al, social, and spiritual needs of the patient, while attending to theequally important needs of the family and caregivers.

The hospice team includes:

The patients physician who becomes an integral part of thehospice team and continues to direct the plan of care.

The hospices medical director who oversees the medicalservices provided to each patient in the hospice program andensures the high quality of care.

Registered nurses who specialize in pain management andsymptom control, particularly for end-stage diseases.

Certified home health aides who provide personal care andhelp with the activities of daily living.

Licensed social workers who assist the patient and familywith emotional concerns including bereavement, as well asaccess to supportive community resources.

Pastoral counselors who serve people of all faiths, or of noreligious faith, providing comfort and support wheneverrequested. They also will facilitate contacts with communityclergy as needed.

Bereavement counselors who support the family and lovedones of all ages with support groups, one-on-one counseling andother special services during the bereavement process.

Rehabilitation therapists who can help to improve thepatients quality of life.

Volunteers who have been trained to prove companionshipand support the patient and family with the every-day chal-lenges of life.

Are all hospices the same?

All Medicare-certified hospices provide the same basic core serv-ices; in addition, some have special programs or services that meetthe needs of particular patients and families. Hospices may be free-standing, community-based organizations, or they may be affiliat-ed with hospitals, home health agencies or health care systems.Both non-profit and for-profit hospices are required to provide thesame core services.

Are there standards for hospiceproviders?

Medicare certifies the majority of hospices nationwide. Many hos-pices also maintain membership in the National HospiceOrganization, which encourages a sharing of ideas and solutions atthe national level. Recently many hospices have become accredit-ed by the Joint Commission on the Accreditation of HealthcareOrganizations to further ensure quality care.

What if I have a problem with my hospice?

As stated in the Hospice Patients Bill of Rights, you have the rightto register a complaint with any hospice provider. If your complaintis not resolved directly by your hospice team, or if you feel uncom-fortable discussing it with them, you should contact the adminis-trator of your hospice.

Hospice care isavailable for

patients with anykind of terminal illness, such as:

Cardiac and respiratory diseases

Neurological diseases

AIDS

Liver disease

Parkinsons disease

Alzheimers disease

Dementia,and others

Consumer How-ToCHOOSE A HOSPICE


Consumer How-ToCHOOSE FINANCIAL PLANNING

WHAT YOUSHOULD KNOW

The current gen-eration of work-ers expects towork longer thanretirees.

Workers indicatethat 44 percentare looking topersonal savingsfor their mainsource of retire-ment income.

Nearly a third ofretirees stoppedworking beforeage 60, accord-ing to a survey.

Financial expertssay retirees willneed at least 70to 80 percent oftheir pre-retire-ment income tomaintain theircurrent lifestyles.

HOW TO PLAN FOR RETIREMENT

A little planning now could mean a comfortable life during retire-ment.

Retirement plans have more to do with how much money is investedfor retirement and less over how many trips a year youll take onceyouve retired. For without the first, the latter will certainly be only afaded dream.

Retirement planning starts young, according to financial experts.Those in their 20s can accrue a significant sum with regular investmentacross a broad range of stocks and bonds.

Forget that one lucky strike as a way to a secure retirement. Not eventhe best investment expert can tell you which new stock is the sure thingthat will turn a small sum into a vast fortune.

Instead, consult a financial planner for advise on stock and bondfunds, real estate investments and other securities that can ride the upsand downs of the economy.

Retirement is changing greatly for the next generation of retirees.Unlike the generation now retired, fewer retirees will have pensionplans that will continue to pay a set amount for the duration of theirlives. Personal savings, whether through Individual RetirementAccounts or throughout he widely used 401K plans, will account for agreater percentage of retirement income.

Workers, though, indicate that 44 percent are looking to personal sav-ings for their main source of retirement income, followed by 21 percentwith an employer funded pension, 13 percent social security and 9 per-cent from employment.

What counts most in retirement is the standard of living that one isexpecting. The survey indicates that 17 percent of retirees have a muchhigher standard of living than expected at the time of retirement, while34 percent say their standard of living is a little bit better than expected,26 percent the same as expected and 10 percent less than expected.

Of those who say their standard of living is less, nearly 40 percentpoint to higher than expected expenses, and about one fourth citinghigher than expected medical expenses.

WORKING A LITTLE LONGER

The current generation of workers expects to work longer thanretirees.

Nearly a third of retirees stopped working before age 60, accordingto the survey, while less that a quarter worked to age 65 and beyond.

Less than 20 percent of current workers expect to retire before 60,while more than 45 percent expect to work to age 65 and beyond.

Additionally, 24 percent of retirees say they have worked since retir-ing- four percent full time, 17 percent part time, 2 percent both full andpart time and one percent seasonal.

The current generation of workers indicated that 66 percent expect towork for pay after retiring, with 45 percent citing health insurance, 33

percent for money for extras, 33 percent to make ends meet and 15 per-cent to help support their children or other family members.

So, how well are workers saving for retirement?Older workers age 40-58 are more likely than younger workers age

20-39 to report that they or their spouse have saved for retirement; yetthose 20-39 plan to retire earlier, said Dallas Salisbury, president of theEmployee Benefit Research Institute.

The survey, though, indicates that the older workers group is no morelikely to have a realistic estimate of their income needs in retirement.

Financial experts say retirees will need at least 70 to 80 percent oftheir pre retirement income to maintain their current lifestyles.

Additionally, financial experts point out that Medicare does not covernearly as much of medical expenses as employer-provided health careplans. The costs for prescription drugs could easily add another 20 to 30percent to their income needs, meaning that retirement income shouldmatch current income to maintain the current living standard.

The survey indicates that few workers are on their way to accumulat-ing savings sufficient enough to pay for that retirement.

The survey indicates that nearly half had accumulated less than$50,000 with 15 percent saying that they had saved nothing for retire-ment. Less that one fourth of the 40-59 age group have saved $100,000or more, which means that if they retired today, they would be able todraw $5,000 a year for 20 years before depleting their retirement sav-ings.

SO WHAT DO YOU DO NOW?

First, if your employer offers a retirement plan such as a 401K,participate. If the employer matches a percentage of the employeescontribution, that instantly doubles the minimum contribution.

Additionally, check into such savings vehicles as IRAs, both reg-ular and Roth, to determine if you are eligible to participate inthem, and which would be the most beneficial to you.

IMPORTANT POINTS

Medicare and most Midigap insurance policies to not cover suchitems as eye glasses and prescription drugs. Plan now to pay morefor health care costs after retirement.

The American Savings Education Council has developed a worksheet to help figure out how much money is needed for retirement.An internet version is available at www.ASEC.org (Click on the heballpark estimate button). A Spanish-language version is available.

The Social Security Administration mails a benefits statementto workers 25 and older a few months before their birthdays. If youhavent received an estimate, you can request one online atwww.SSA.gov or by calling 800-772-1213.


THE RIGHT FORMALWEAR


Choosing your formal wear should not be

taken lightly.

The bride spends a great deal of time

choosing her dress, the bridesmaid's dress-

es, shoes and accessories. The formal wear

should compliment the bridesmaid's attire.

When it comes time to choose your for-

mal wear, it is important to know what

colour the dresses are and what theme your

wedding is having. That way we can provide

you with the best information needed for

you and your groomsmen to look their best

on one of the most important days in your

life.

Some grooms don't know where to start,

while some know exactly what they are

looking for. Traditionally, the groom's attire

is determined by the size and formality of

the wedding. Also, a very important factor

is the style of the bride's gown.

Dress for Your Body Shape

Pear Shapes - For pear shapes we recom-

mend prom dresses with fitted tops and full

or a-line skirts. Or if you are comfortable

with your larger behind, go for prom dress-

es that are a bit more form fitting.

Slender - If you have a slim figure the illu-

sion of curves can be acheived by drawing

attention to your bust line or a prom dress

that bells out. Also, you might try prom

dresses that draw attention to your waist

such as a wrap dress or one witha belt.

Busty - You can play up what you have by

choosing from prom dresses with a gor-

geous neckline; but look for prom dresses

with fuller coverage so you can make sure

you have adequate support. If you would

like to draw attention away from your

chest; look for prom dresses that attracts

the eye to the hem.

Petite - If you are petite show a little leg

and go with an asymmetrical hemline or a

long fitted solid prom dress to make you

appear taller. Floor lengthball gowns tend

to overwhelm your frame. Long ruffles can

also add the illusion of height.

Hourglass - If you have an hour glass fig-

ure consider yourself lucky! You have a nat-

urally well propotioned body with means

you don't need to disguise any thing.

Almost every style prom dress will flatter

your figure. Have fun with it!

Apple - For an apple shaped body prom

dresses with an empire waist will help draw

attention from your middle. Also a higher

waist line means the prom dress may not be

as tight in your problem area. If you have

nice athletic legs, you might try to show

them off by looking at shorter prom dress-

es.

BodyShapes

PearSlender

BustyPetite

HourglassApple


THE RIGHT EMPLOYMENT AGENCY


It can be difficult to get a job fromclassified ads, where many peopleare competing for the same jobs. Astaffing agency can match your skillsand experience with their clients andhopefully get you interviews withplaces you wouldn't necessarily beable to get otherwise. Selecting theright agency is just as important asselecting the right job to apply for.Selecting the right staffing agencywill help you avoid wasting a lot oftime.

Selecting a Staffing Agency

1. Go on the Internet or use yourlocal phonebook to search out con-tact information for staffing agenciesthat are local to you. Read the web-sites thoroughly to find out what typeof agency they are and whether theyhave a specialty (for example, someagencies specialize in creative work,some in administrative and others inskilled labor). Narrow down theagencies that most closely matchwhat you are looking for.

2. Call the agencies you have nar-rowed down and ask them further

questions about what type of clientsthey have, what type of success ratethey have with different clients, whattype of benefits they offer, what theyexpect you to do when coming tosign on with them and what type ofcommunication you need to main-tain in order to have a good chance ofgetting steady job placement oppor-tunities.

3. Make appointments with theagencies that offer the best fit withjobs, pay rates and benefits. Makesure you are prepared for any testsyou have to take and that you have allof the materials you need for yourappointment. Review and revise yourresume if needed. Practice for anytests you have to take.

4. At your appointments, review thequestions you previously asked of theagencies and make sure the answersare the same. Take any tests requiredand fill out any paperwork. If all ofthe agency's answers continue tomeet your requirements, then theyare probably a good place to use as atool in your job search.

Go on the Internetor use your localphonebook to searchout contact informationfor staffing agenciesthat are local to you.

Call the agenciesyou have narroweddown.

Make appointmentswith the agencies thatoffer the best fit withjobs, pay rates and ben-efits.

At your appoint-ments, review the ques-tions you previouslyasked of the agenciesand make sure theanswers are the same.


IMPORTANTPOINTS

There are two typesof home healthcare, RehabilitativeHome Care & BasicHome Care

The agency tailorsa home care planto you needs andreviews it with you.

The first step indeterminingwhether home careis appropriate foryou is to discussthe issue with yourphysician

Some agenciesare certified byMedicare to pro-vide services toMedicare patients.

Everyday people are suddenly faced with having to make importantmedical decisions for themselves, or for a loved one.

Most prefer to be at home instead of hospitals and nursing homes.If this is your choice, understanding your benefits and rights beforehand will help you with y our decision.

Many acute medical care services are now available at home forpeople discharged from the hospital. Home health providers are help-ing the chronically ill, aged and disabled regain and retain their inde-pendence. Although home care is associated with the elderly, it can bea major help to people of all ages, including children and families. Infact, one out of every four people currently receiving home care isunder the age of 65.

Medicare covers durable medical equipment for you to use in yourhome. Home medical equipment is covered under the Part B MedicarePlan.

It is important to know that Medicare does not cover everything.

And it doesnt pay the total cost even when items are covered.

WHAT WILL MEDICARE PAY?They will pay 80 % of their allowable fee for covered items if you qual-

ify. And if you have paid your $131 deductible for the year, then

Medicare will pay its share.

WHAT IS AN ADVANCE BENEFICIARYNOTICE?An Advance Beneficiary Notice is a written notice that tells you why

Medicare probably will not pay for an item. You should be told before

you get the items. If you choose to get the item, you agree to pay for

the item if Medicare does not pay. This is federal and state law, to help

protect you.

HOW DO I GET AN ITEM?1. Talk to your doctor about your condition and needs.2. If you qualify for an item he will write you a prescription, or maysend one directly to Medicare. Some items require a special form inaddition to the prescription.

3. When the proper paperwork is received and you qualify, your equip-

ment can be delivered or you may pick-up the item.

ARE ALL COMPANIES THE SAME?No, some companies can not bill Medicare, and some will not accept

the amount Medicare allows for items. They will bill you their price.

Some will not deliver on weekends or holidays, some do not provide

equipment outside of their home area, and the list can go on and on.

YOU CHOOSE THE COMPANY YOU WANT!Medicare says YOU, the patient, may choose any provider you want

as long as the provider is enrolled in the Medicare program. Hospitals

and doctors should provide you with a list of medical equipment com-

panies to choose from. If you do not choose one, one will be chosen

for you. If you are not given a list and know a company you want to

use, tell them, or you could pay more money for the same equipment.

SPEAK UP AND BE INVOLVED!All healthcare professionals know you have the right to choose.

WHY SHOULD I ASK IF THE PROVIDER

ACCEPTS ASSIGNMENTS?If a supplier does not accept assignment there is no limit to what you

may be charged. You will pay your part AND Medicares part at the

time you get the item. Always ask the supplier if they accept the

assignment, and if they are enrolled in Medicare. If so, you will be

charged according to Medicares fees and allowables.

REMEMBERIf a provider does not accept assignment, you could end up payingmore for the same item. Check around, ask questions even if you dontneed anything now. You will find that all providers are NOT the same!Make sure your provider is enrolled with Medicare and has a suppliernumber. Providers have to meet strict standards to qualify for aMedicare supplier number.

COVERED DURABLE MEDICAL equipmentINCLUDES, BUT IS NOT LIMITED TO: Air and gel mattress for hospital beds Blood glucose monitors and strips Canes, crutches, commode chairs Male impotent devices CPAP units and supplier Diabetic shoes and inserts Home oxygen equipment and supplier Hospital beds Infusion pumps (if necessary) Ladies bras and forms Nebulizer (if necessary) Patient lifts Suction pumps Traction equipment Walkers Wheelchairs, manual and motorized Wheelchair cushions

NON-COVERED DURABLE MEDICAL EQUIP-MENT INCLUDES, BUT IS NOT LIMITED TO: Adult diapers Air cleaning machines Bathroom supplies Bath benches Bed tables Bed boards Dehumidifier Disposable sheets and bags Exercise equipment Grab bars Incontinent pads Metered dose inhalers Lift chairs Lift to use in vehicle Raised toilet seats Shower chairs Spare oxygen tanks Telephone alert systems Wheelchair ramps

Consumer How-ToCHOOSE HOME MEDICAL EQUIPMENT


Selecting quality health care services for yourself, a relative

or friend requires special thought and attention. Knowing

what to look for and what to ask will help you choose a facil-

ity that provides quality care and best meets your needs.

You may not always have the opportunity to choose the hospi-

tal from which you receive care, especially in an emergency.

However, when you or a loved one has a planned admission

to the hospital, obtaining some important information first

can help make your hospital experience a positive one.

Begin by asking your physician about the advantages or spe-

cial characteristics of each hospital where he or she practices.

Your physician can help you select the hospital that is best for

you. You should also verify which hospitals are accepted by

your insurance, HMO or PPO plan. Then ask the following

questions to help you determine which hospital meets your

needs.

1. Is the hospital conveniently located? Can you and yourfamily get there easily for scheduled as well as emergency

medical care?

2. Is the hospital accredited by a nationally recognizedaccrediting body, such as the Join Commission onAccreditations of Healthcare Organizations. JointCommission accreditation means the organization voluntarily

sought accreditation and met national health and safety stan-

dards. The Joint Commission provides on-site surveys to

review the hospital's medical and nursing care, physical con-

dition, life safety program, special care units, pharmaceutical

services, infection control procedures and a number of other

areas affecting patient care. If you have questions about Joint

Commission, visit their wesite at www.jcaho.org. You can get

information on the importance of accreditation.

3. Does the hospital provide help to find financial assis-tance if you need it? Most hospital billing departments havefinancial counselors available to help you make a payment

plan for your hospital bills. In some cases, you may be eligi-

ble for Financial Assistance through the hospital's charity pol-

icy. The hospital Patient Financial/Billing department should

be able to help you regardless of your situation.

4. Is the hospital clean? Visit the hospital and lookaround. Ask to see the waiting. rooms and patient carerooms. Does the waiting room look comfortable? Would you

want to recuperate in the patient rooms? Do the patient rooms

have comfortable chairs for visitors? Do you have privacy in

the room?

5. Do the services and specialties provided by the hospitalmeet your specific medical needs? Do you have a medicalcondition requiring specialized attention? Your medicalhistory and present medical condition may affect the type of

hospital you choose.

6. Do you know the hospital's success record in carryingout the specific medical procedure you need? What is the spe-

cific training of the physician who will perform the proce-

dure? Ask how often the particular procedure is done.

7. Does the hospital explain the patient's rights andresponsibilities? Ask to see a copy of the hospital's patientrights and responsibilities information.

8. Do you know who is responsible for maintaining yourpersonal care plan? How are the involved practitioners keptinformed about your specific care needs? Can you or your

family be kept up-to-date on your medical care?

9. Does the hospital have social workers? Ask what servic-es the social workers provide. Social workers usually help

patients and their familiesfind emotional, social, clinical,

physical and financial support services.

10. Will a discharge plan be developed for you before youleave the hospital? Ask what services are available and whatyour primary care physician's involvement will be.

11. Does the hospital provide you with the necessary train-ing to continue your care in your home after you have beendischarged? Ask what training is provided in changing dress-ings, taking medications or using medical devices. Does the

hospital provide you with easy-to-understand written instruc-

tions?

ImportantPoints:

1.Convenientlylocatedfor you & your family?

2. Accreditedby a nationallyrecognized body?

3. Financial assistanceis it available?

4. AtmosphereIs it clean, comfortable?

5.Services and specialtiesmeet your needs?

6. Patient's rightsand responsibil it iesexplained?

7. Personal care plan?are you involved?

8. Discharge planexplained to you?

Consumer How-ToCHOOSE A HOSPITAL


THE RIGHT SHOES TO WEAR


Stillettos. Flats. Boots. Shoescan make or break an outfit.They can dress down an outfitmeant for an elegant affair ordress up an ensemble meant fora casual outing. Shoes are trickyaccessories but, with the help ofthis how-to guide, you'll be ableto use tips and tricks to comple-ment your outfit with the perfectshoes.

1. Don't worry about exactmatches. For casual, summerdresses, try not to match yourshoe to the exact color of a solidprint dress. This look can betacky. For example, wearing ahot pink strapless bubble dresswith hot pink shoes may be a bitoverwhelming. Instead, pairthose dresses with shoe colorsthat complement the dress. Ifthe dress is multi-colored, wherea shoe that has one of the colorsthat is in the dress. If the dress iscasual, your shoe should becasual. Pair a breezy, summerdress with sandals. Leave theclunky closed-toe heels at home.

2. Bring on the stilettos for clubdresses. These heels should behigh and sexy and should com-plement your outfit. In this case,shoe choices can be more boldand eye-catching, but make surethat they don't overwhelm thedress. If you are wearing a printdress, don't wear it with thesame or different print shoe.Wear a solid color shoe thatcomplements the color of thedress.

3. Choose chic, sophisticatedheels for business suits. Theseshoes should be comfortable,and generally not flashy. Pair ablack business suit with redheels for bit of fashion, or gowith fashionable, but conserva-tive black pumps for a strictworkplace.

4. Pair high-waisted shorts andpants outfits with a high heeland stick with stilettos. This willelongate your legs and comple-ment the outfit. Shoes can bebold and stylish in this case aswell.

Don't worryabout exact match-es.

Bring on thestilettos for clubdresses.

Choose chic,sophisticated heelsfor business suits.

Pair high-waistedshorts and pantsoutfits with a highheel and stick withstilettos.


A trip or fall, motor vehicle accident, stroke, diseases oreveryday wear and tear on your body could send you look-ing for a rehabilitation center. Most people do not knowwhat to look for in a therapy center.

With the restraints placed by many insurance companies onthe number of visits allowed, it is important that you makethe right choice to ensure that each visit is moving youtoward recovery.

You have a choice in where you take the therapy prescrip-

tion from your doctor, just as you can choose which phar-

macy fills your medicine prescription. To assist you in this

choice, here are several questions to consider in choosing

where you will best be served.

Does the facility offer different types of rehabilita-tion?

Depending on the reason for your referral for rehabilitation,you may best be served by a Physical Therapist, anOccupational Therapist and/or a Speech Therapist.Physical Therapists (PTs) and Licensed Physical TherapyAssistants (LPTAs) are health care professionals who diag-nose and treat individuals who have limitations in theirabilities to move and perform functional activities in theirdaily lives. PTs and LPTAs use treatment techniques topromote the ability to move, reduce pain, restore function,and minimize disability. Occupational Therapists (OTs) and Certified OccupationalTherapy Assistants (COTAs) use skilled treatment thathelps individuals achieve independence in all facets of theirlives. Occupational therapy assists people in developing the"skills for the job of living" necessary for independent andsatisfying lives. Speech Therapists, also called Speech-LanguagePathologists (SLPs) provide therapy services to help indi-viduals develop their communication abilities as well astreat speech, language, swallowing and voice disorders. It isnot uncommon for someone who has been severely injuredor debilitated to receive two or three of these therapy serv-ices.

Does the facility provide therapists specializing intreatment of specific diagnoses?

If you are suffering from a hand injury, would you rather

receive therapy from a therapist who has been out of schoolfor some time or a therapist who has obtained a certifica-tion specializing in the treatment of hand injuries? Havingtherapists with additional certifications shows a facility isdedicated to continual improvement and education of thestaff. This means that patients will benefit from a higherlevel of knowledge and expertise.

Will your therapy be performed by licensed staff?

Many insurance carriers, such as Blue Cross/Blue Shieldand Medicare, mandate that therapy services must be per-formed by a licensed therapist (PT, LPTA, OT, COTA,SLP). Therefore, Athletic Trainers, Exercise Physiologists,Massage Therapists, RNs, LPNs, Certified StrengthTrainers, Secretaries and Office Personnel are NOT coveredto provide Physical, Occupational or Speech Therapy.Make sure you will be seen by a licensed therapist in orderto receive the best quality care.

Does your doctor have a financial interest in therehab center you are being referred to?

To receive therapy, you must have a prescription from adoctor. Often, the doctor's office will set up your initialevaluation with a rehab center. Just like a drug prescrip-tion, you can have your rehab prescription filled at thelocation of your choice. Your livelihood is extremelyimportant to you; make sure you choose the rehab centerthat is best for you.

Does the rehab center have the appropriate equip-ment and facility to meet your needs?

If possible, take a tour of the rehab centers in your local

area to see the options available for treatments. Some

injuries or debilities can best be served by utilizing a treat-

ment regimen that utilizes particular therapeutic equipment

(for example, using a therapeutic pool for rehab can mini-

mize the weight on an injured leg and decrease the pain

during exercise).

Remember the choice is always yours.

PLACES YOUMAY RECEIVEREHAB ARE:

Acute care and rehabilitation hospitals

Subacute facilities

Long-term care facilities

Home health agencies

Hospitals

Inpatient rehab centers

Outpatient rehab centers

Community health settings

Private practice

Schools

Industrial health centers

Consumer How-ToCHOOSE A REHAB FACILITY


HOW-TOCONSUMER

CHOOSE A CPAUnderstanding And Using CPA Services

Are You Making The Most Of The Services ACertified Public Accountant Has To Offer?

These trusted advisers can work as partners, offeringvaluable advice on all your financial needs. Along witha tradition of serving companies and individuals withcompetence, integrity, and objectivity, CPAs possess theup-to-the-minute skills and training needed to translateincreasingly complex subject matter into informationcritical to making informed decisions. If you haven'talready used these services, it's time to find out moreabout how these highly trained practitioners can expandyour financial horizons. If you have worked with CPAsin areas with which they are traditionally associated,such as tax and accounting services, you may be sur-prised to learn about the many other types of engage-ments they perform. CPAs have the financial and tech-nological expertise to address a broad variety of busi-ness and personal issues. They can help you make senseof a changing and complex world.

Why Should You Choose A CPA?One advantage of working with CPAs is that they

speak your language. These professionals live and workin your community and grapple with the same econom-ic issues you do. Each practitioner is trained to completetasks as complex as evaluating a business's options forglobal expansion and as simple as routine tax prepara-tion. Because they apply their skills every day in real-lifesituations, they are adept at untangling financial as wellas non-financial puzzles and illustrating the total picturewith clarity and objectivity. Whether you are strugglingwith questions about how to chart the future of a rapid-ly growing company or trying to finance a child's educa-tion, a CPA can help you assess your options.

What Is A CPA?CPAs are distinguished from other accounting practi-

tioners by strict licensing regulations. To become a CPA,it's necessary to pass a rigorous two-day national examand meet stringent experience requirements in additionto completing a five-year course of study in a college oruniversity. To maintain their licenses, CPAs pursue con-tinuing professional education that keeps them currentwith the latest business and related issues. When youwork with a CPA, you can be assured that he or she hasmastered a significant body of knowledge. CPAs adviseindividuals, businesses, financial institutions, not-for-profit organizations, and government agencies on a widerange of financial and related matters.

CPAs are governed by a strict code of professionalethics that emphasizes their commitment to serve thepublic and protect the public interest. One of the most

demanding found in any field, this code embodies thehallmarks of the accounting profession: competence,independence, objectivity, and integrity.

Finally, CPAs are consistently on the cutting edge ofthe financial world, leading the way in the technologyrevolution and continually seeking valuable, new infor-mation-based services that will benefit individual andbusiness clients.

What Services Do CPAs Offer To Businesses AndIndividuals?

CPAs are very good at anticipating and creatingopportunities for their clients. They might be able to helpyou lower your tax burden or take advantage of an over-looked business option. Business owners and managersconsult CPAs for help in creating strategic plans, updat-ing technology systems, and assessing new opportuni-ties. Clients can be assured of confidentiality because ofthe strict code of conduct that CPAs follow. Individualsturn to CPAs for assistance with tax preparation as wellas with personal finance issues such as retirement andestate planning and investment decisions.

How Should I Choose A CPA?First decide what you want from your CPA. While all

CPAs meet the same basic education, training andlicensing requirements, not all provide the same range ofservices. Analyze your present and future financialneeds, considering these kinds of questions:

* Will you need help with personal financial issues,individual or corporate tax returns, retirement, estate orcollege planning? Are you seeking investment help?Doyou need financial statements prepared for your busi-ness? Must those statements be audited or reviewed?Will you need special financial reports for governmentagencies? Do you want help preparing a personal orbusiness loan application?

* Will your business need specialized services, suchas technology installations, strategic planning, electron-ic commerce assurance or cost management studies?

After you have determined your goals, the next step isto seek recommendations from people who might haveconsulted with CPAs for similar reasons. You might turnto friends and relatives, colleagues and business contactsor to other professionals, such as bankers, attorneys, andinsurance agents. CPAs are also listed in phone directo-ries, and most state CPA societies offer help in locatingpractitioners.

HELPFUL HINTS

s

s

CPAs can offer valuableadvice on all your financialneeds.

s

CPAs are distinguishedfrom other accountingpractitioners by strictlicensing regulations.

An Advantage of workingwith a CPA is that theyspeak your language.

sCPAs anticipate and createopportunities for clients.

s

Not all CPAs provide thesame range of services.

sCPAs are listed in phonedirectories.


THE BEST EXCAVATOR RENTAL


Choosing the best rental is ammatter of first evaluating therequirements of your project, andthen finding a suitable equipmentrental company. Some factors toconsider are the size and depth ofthe dig, as well as ground stabilityand where the unit will be work-ing. If the unit has to work onpavement, then it should haverubber tracks or wheels.

If you are uncertain as to whichtype of machine will best suit yourneeds, then you may want to pro-vide the rental company with thedetails of the work you need done.They should be able to advise youon the most efficient solution.

Rental equipment companiesoften have huge fleets ofmachines, which may include,backhoes, diggers, bulldozers, andgraders, among others.

Liability is also a major issuewhich you need to explore. Thismay be especially true if you areworking with an operated rentalservice. Generally, you will beliable for any damage the machine

incurs on your site that cannot beattributed to operator error.

In terms of pricing, companiescharge differently, usually either bythe hour or by the day; some com-panies may offer discounts forlonger term rental.

Another issue that you shouldlook at when choosing an excava-tor rental company is their policyregarding downtime due to badweather, especially if it is a wetperiod. There may be cases whenyou will be unable to work for daysdue to rainy weather. You dontwant to be charged even for thosedays you are unable to use themachine.

When selecting a rental compa-ny to work with, you should care-fully consider all the providers inyour area to find the best option.This also means that you shouldtake the time to read their rentalcontracts, including the fine print,to avoid any surprises.

Some factors toconsider are the sizeand depth of the dig,as well as groundstability and wherethe unit will beworking.

Liability is also amajor issue whichyou need to explore.

Check pricing.

When selecting arental company towork with, youshould carefullyconsider all theproviders in yourarea to find the bestoption.


Choosing the emergency medical transport service thatmeets your needs doesnt have to be a hassle when youconsider the following:

Step 1: Know which transport mode is needed. Whileshort distance needs can be met with an ambulance froma nearby hospital or a 911 call. More often than not, dur-ing emergency situations, you dont have the luxury oftime to choose the medical transport you need. A 911call will dispatch the citys contracted ambulance serv-ice, and you wont have much say in choosing whichmedical transport is used. Otherwise, a non-emergencysituation gives you the latitude to make a more informedchoice, often a function of budget and efficiency of serv-ice.

Step 2: Compare medical transport companies and yourbest place to do a comparative evaluation is online. Asimple Google search will turn up hundreds of them andit can be quite a challenge sorting through those compa-nies, but you will usually find two or three close to yourarea to choose. Be guided with the following:--Your best bets are companies with at least 5 years ofexperience in the business. In general, if a companylasted so long, it would have nurtured a reputation itwould not want blemished for a any reason.--Go for companies with a 24 X 7 operation and 24 hourhelpline access.--Go with a company who receives 911 calls, and has agood report with the local Emergency Department.-- You may not be able to check it online, but a compa-ny with a lousy safety record is something to avoid. Inthis regard, you may need some references from doctors,healthcare professionals and people who have been in thesame situation. --You cant go wrong with a company that also serves thegovernment or reputable companies and your local hos-pital. The more clients, the better.--Be sure the company has adequate fleet of medicaltransport vehicles. The last thing you want is situationwhere it cannot provide you the vehicle you need whenyou need it the most.

Step 3: Check your health insurance to see if it coversmedical transport. Chances are it does but only partiallyfor non-emergency cases. Medicare, for instance, cov-ers ambulance services only when your condition war-rants it, such as emergencies requiring oxygen andskilled medical help while in transport or when yourebleeding or unconscious. But even non-emergency casescan be covered partially if supported by your doctorscertification that you couldnt be transported by othermodes., You could also ask for their preferred medicaltransport firms to facilitate reimbursement. For non-emergency situations, your finances would be a majorfactor in choosing the medical transport. When you doyour comparative comparison, the important thing toremember is to compare apples with apples.Unfortunately, this can be easier said than done as eachcompany packages its services differently. But you canstill try by using the distance, mode of transport andbasic services like oxygen tank, stretcher or wheelchairsupport as the common denominators for comparison.

Step 4: Check with your health insurance broker orcompany if it has a listing of preferred medical transportcompanies they can recommend in case your policy cov-ers it. This should make it easy to get your expenses read-ily reimbursed.

Step 5: Convalescing patients discharged from the hos-pital may also opt to get an ambulance if their conditionsrequire to be transported in a horizontal position. Again,the discharging hospital can recommend the medicaltransport services for this.

For many people, at the end of the day, budgets and timemay be constraining factors in the choice of medicaltransport, often taking chances with non-medical vehi-cles.

But a quick call to 911 should bring the right medicalresponse to any emergency.

Go for companieswith a 24 X 7 operation and 24hour helplineaccess.

Go with a company whoreceives 911 calls,and has a goodreport with thelocal EmergencyDepartment.

You cant gowrong with a company that alsoserves the government or reputable companies andyour local hospital.The more clients,the better.

Consumer How-ToCHOOSE AN AMBULANCE SERVICE


A good night's sleep is important to your well-being. Most people spend roughlyone-third of their lives asleep, and one out of every three Americans has a sleep disor-der. Many suffer needlessly because they are unaware that a problem exists.

Once detected, most sleep disorders can be corrected. This simple quiz isdesigned to alert you to any problems resulting from poor-quality sleep. If youhave experienced any of the following symptoms in the last year, circle that num-ber.

1. I have difficulty falling asleep.2. Thoughts race through my mind and this prevents me from

falling asleep.3. I feel afraid to go to sleep.4. I wake up during the night and can't go back to sleep.5. I worry about things and have trouble relaxing.6. I wake up earlier in the morning than I would like to.7. I lie awake for half an hour or more before I fall asleep.8. I feel sad and depressed.9. I've been told that I snore.10. I've been told that I stop breathing while I sleep, although

I don't remember this when I wake up.11. I have high blood pressure.12. My friends and family say they have noticed changes in

my personality.13. I am gaining weight.14. I sweat excessively during the night.15. I have noticed my heart pounding or beating irregularly

during the night.16. I get morning headaches.17. I have trouble sleeping when I have a cold.18. I suddenly wake up gasping for breath during the night.19. I am overweight.20. I seem to be losing my sex drive.21. I feel sleepy during the day even when I slept through

the night.22. I have had trouble concentration at work or in school.23. When I am angry or surprised, I feel like I am going to

go limp.24. I have fallen asleep while driving.25. I feel like I go around in a daze.26. I have experienced vivid dreamlike scenes upon falling

asleep or awakening.27. I have fallen asleep during physical effort.28. I feel like I am hallucinating when I fall asleep.29. I feel like I have to cram a full day into every hour to get

everything done.30. I have fallen asleep while laughing or crying.31. I have trouble at work or school because of sleepiness.32. I have vivid nightmare soon after falling asleep.33. I fall asleep during the day.34. No matter how hard I try to stay awake, I fall asleep.35. I feel unable to move when I am waking up or

falling asleep.36. I wake up with heartburn.37. I have a chronic cough.38. I have to use antacids almost every week for my stomach.39. I have morning hoarseness.40. I wake up at night coughing or wheezing.41. I have frequent sore throats.42. During the night, I suddenly wake up gasping for breath.43. Other than when exercising, I still experience

muscle tension in my legs.44. I have noticed that parts of my body jerk.45. I have been told that I kick at night.46. I experienced aching or "crawling" sensation in my legs.47. I experienced leg pain during the night.48. Sometimes, I can't keep my legs still at night.49. I awaken with sore or achy muscles.50. Even though I slept through the night, I still feel sleepy.SCORE YOURSELF BELOW:Question 1-8 A score of three or more means you show symptoms of insomnia , a persist-

ent inability to fall asleep or stay asleep.Question 9-21A score of three or more means you show symptoms of sleep apnea , a life

threatening disorder which causes you to stop breathing repeatedly, often sever-al hundred times per night as you sleep.

Question 22-35 A score of three or more reveals symptoms of narcolepsy , a lifelong disorder

characterized by uncontrollable sleep attacks during the day.Question 36-42 A score of three or more reveals symptoms of gastro-esophageal reflux , a

disorder caused when acid from the stomach backs up into the esophagus dur-ing the night.

Question 43-50 A score of two or more means you show symptoms of nocturnal myoclonus or

restless legs syndrome , a disorder characterized by pain or crawling sensations

An accredited sleep disorders center is a comprehensive or full-service sleepdisorders program that must be prepared to provide adequate evaluation ofpatients with a variety of sleep disorders. The AASM accredits two different typesof sleep disorders facilities; sleep disorders centers and laboratories for sleep-related breathing disorders. A Sleep Disorders Center is a medical facility provid-ing clinical diagnostic services and treatment for patients who present with symp-toms or features that suggest the presence of any sleep disorder. In contrast, alaboratory for sleep-related breathing disorders provides diagnostic and treat-ment services limited to sleep-related breathing disorders, such as ObstructiveSleep Apnea Syndrome.

For diagnosis and information regarding the treatment of insomnia or any other sleeping

problem you are experiencing, contact your physician, or anaccredited Sleep Disorder Center

WHO QUALIFIESFOR SLEEP TESTING?

--Do you snore?

--Have you been told thatyou stop breathing whileyou sleep?

--Do you wake from sleepsnoring, choking, orstruggling for breath?

--Are you overweight?

--Are you sleeping duringthe day?

--Do you have headacheswhen you wake up?

--Do you fall asleep unintentionally?

--When you wake up, doyou feel unrefreshed?

Consumer How-ToKNOW IF YOU HAVE A SLEEP DISORDER


A COLLISION REPAIR SHOP


As the owner of a motor vehicle involvedin an accident or submitting an insuranceclaim, you have the right to choose theshop where you wish to have your vehiclerepaired. Verify your shop of choice is regis-tered with the state of Alabama and look forcertificates of technician training andmemberships in professional associations.

1. Do I Need More Than One Estimate?No. Select a repair facility that you feel

comfortable with, then notify your agent orinsurance company, or ask the shop to callthe involved insurance company on yourbehalf.

2. What Is An Insurance Policy?A contract defining coverage and out-

lining policy limits. It further outlines whatis covered and what is not. It also outlinesany limits or exclusions of coverage withinyour contract. It may also define what typeparts they are going to pay for in the eventof a loss. It also defines your agreed upondeductible for collision and comprehensiveprovisions as sometimes these deductiblesare not the same.

3. Notify Your Insurance Company.Before authorizing any repairs, notify

your insurance company or agent and tellthem where the damaged vehicle can beinspected. Most, if not all, insurance poli-cies require notification and they will likelyhave questions regarding your accident

that only you can answer. The insurancecompany may wish to send an adjuster oftheir choice to inspect the vehicle andreview the shops estimate prior to repair.Some insurers have drive-in claims centersthat also could be considered if the vehicleis safe and driveable.

4. Is the Work Guaranteed?Most collision repair centers warranty

their collision work to some degree. Ask tosee a copy of the shops written warrantybefore repairs are started and have anyinformation you do not understand clari-fied. Make sure the terms of the warrantyare acceptable to you. Make sure youreceive a copy of the finalized invoice item-izing repairs including any supplements.Verify that you are satisfied with the qualityof repairs made to your vehicle prior to pay-ment.

5. Ask the repair shop what experience ithas with collision repair and what educa-tional certifications its workers hold.Memberships in recognized organizations,including the Automotive ManagementInstitute (AMI) also increase the reputationand dependability of a repair shop.

6. Visit the website www.c-a-r-a.org fortips on how to choose the right shop, whereto check references and what questions toask.

TIPS & WARNINGS

No law requires you toget more than one esti-mate.

You can choose theshop of your choice

The repair shop, ifreputable, will offer aguarantee of their work

The estimate yourinsurance company writesmay not be the cost ofcompletely repairing yourvehicle. (Their may beextra damage found afterteardown for inspection.)


A WEB DESIGNERConsumer How-To Choose

Determine the quality that the web

designer is able to offer. Since your web-

site is a direct reflection of you, you will

want to choose a web designer that is

able to produce the type of website you

want to present to your customers. The

more professional and "smooth" your

website looks, the more your visitors

will enjoy their visit. You also need a

website that is easily navigated and pos-

sibly even has a flash introduction or

presentation.

Evaluate the experience that the web

designer has. As the old saying goes

"practice makes perfect" and although a

web designer who is new to the industry

may be able to do a good or even great

job, someone who has experience work-

ing on similar websites will be able to do

an outstanding job. You want your web-

site to look perfect, so you shouldn't set-

tle for anything less than a fully quali-

fied and experienced web designer, if

your budget permits.

Assess the price of the job and how

much the web designer charges com-

pared to his experience and the quality

he is able to offer. Of course, you don't

want to spend more than you need to

and if you do pay more, you want to

make sure that you are getting added

benefits for your money. Compare sev-

eral web designers of similar skill and

experience and see if you can get one for

a little less than the others. The last

thing you want is to be over charged.

Determine

the quality

Evaluate the

Experience

Assess the cost

A WEB DESIGNERConsumer How-To Choose

Determine the quality that the web

designer is able to offer. Since your web-

site is a direct reflection of you, you will

want to choose a web designer that is

able to produce the type of website you

want to present to your customers. The

more professional and "smooth" your

website looks, the more your visitors

will enjoy their visit. You also need a

website that is easily navigated and pos-

sibly even has a flash introduction or

presentation.

Evaluate the experience that the web

designer has. As the old saying goes

"practice makes perfect" and although a

web designer who is new to the industry

may be able to do a good or even great

job, someone who has experience work-

ing on similar websites will be able to do

an outstanding job. You want your web-

site to look perfect, so you shouldn't set-

tle for anything less than a fully quali-

fied and experienced web designer, if

your budget permits.

Assess the price of the job and how

much the web designer charges com-

pared to his experience and the quality

he is able to offer. Of course, you don't

want to spend more than you need to

and if you do pay more, you want to

make sure that you are getting added

benefits for your money. Compare sev-

eral web designers of similar skill and

experience and see if you can get one for

a little less than the others. The last

thing you want is to be over charged.

Determine

the quality

Evaluate the

Experience

Assess the cost


Many acute medical care services are now available at home for peopledischarged from the hospital. Home health providers are helping the chron-ically ill, aged and disabled regain and retain their independence. Althoughhome care is associated with the elderly, it can be a major help to people ofall ages, including children and families. In fact, one out of every four peo-ple currently receiving home care is under age 65.

What Services Are Available?Home care services can range from fairly sophisticated high tech care

(similar to what a patient would get in a hospital) to help with the activitiesof daily living such as housecleaning and meal preparation. Each person'shome care program must be tailored to match his or her needs with appro-priate services. A variety of home care workers could be involved in an indi-vidual's plan for home care services. The two main types of home care are:

1. Rehabilitative home care is provided to people who are convalesc-ing from an illness or are in a rehabilitation program. Many of these patientshave been recently discharged from a hospital. The rehabilitative health careteam may include a physician, nurse, nutritionist, homemaker, home healthaide as well as various types of therapists.

* Skilled Nursing is the most common rehabilitative home careservice. Nurses change dressings, administer drugs and monitor patients forcomplications or serious changes in health. They also teach newly dis-charged hospital patients and their families how to perform skilled nursingprocedures so they can eventually perform them themselves.

Nurses are divided into two groups: registered nurses (RNs) and licensedpractical nurses (LPNs). RNS, who hold either a four-year college nursingdegree/BSN (Bachelor of Science in Nursing) or a two-year collegedegree/ADN (Associate Degree in Nursing), are trained to make independ-ent judgments about a patient's condition and care, and can perform basicpatient examinations. LPNs undergo much shorter training that focuses onmastering routine nursing tasks.

* Therapists make up another part of the spectrum of home healthcare providers. Their role: To restore, maintain or enhance the abilities ofthose under their care. There are several different types of therapy. Physicaltherapy focuses on enhancing physical movement. Speech therapy works oncommunication problems. Occupational therapy helps people overcomeproblems of daily living at home or at work.

2. Basic home care refers to the kinds of services provided topatients who otherwise might be unable to remain at home because of a dis-abling health condition. Continued health supervision with an emphasis onhealth promotion enables these patients to maintain both a stable state ofhealth and relative independence. Homemaker and home health aide servic-es are the least expensive home care service. Many of the recipients of such

care have a chronic illness or disability. * Homemakers, also referred to as companions, are responsible for

a wide variety of tasks that keep the home clean and safe, and they general-ly contribute to a person's well-being. A homemakers responsibilitiesinclude basic housekeeping (tidying rooms, vacuuming, making and chang-ing the bed, preparing and serving meals, shopping for food) and personalcare (helping patients to wash and dress).

* Home Health Aides perform three general types of services: per-sonal care, basic nursing and incidental homemaking. Aides cannot provideskilled nursing care. For example, although they can take and record yourtemperature, pulse and respiration rate, and make sure you follow simplemedical recommendations such as getting more exercise, they generally can-not administer drug injections.

Is Home Care Right for You?The first step in determining whether home care is appropriate for you is

to discuss the issue wit

how to guide

Documents

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role ofthe agent

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