How to Choose

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A Special Publication of the M i n e r a l We l l s I n d e x March 2012

CONSUMER GUIDE

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Finding the right bank means assessing your needs first. Whether you’re looking for a new bank or just want to evaluate how well your current banking relationship is meeting your needs, answering the following questions can help you identify your “banking personality” and perhaps make your shopping a bit less of a chore. What is your goal in establishing a banking rela• tionship? Answers may include “to save money,” “to have a checking account,” “to get a loan,” or all of the above. How much money can you keep on deposit each • month and how many checks will you write? This will help you figure out how complex or simple an account you might need. “Packaged” or “multi-service” accounts offer a variety of services for one fee, while “no frills” accounts offer a minimum number of services at an extra-low price. Other accounts might be designed cafeteria-style: you choose from a variety of services and pay as you go. Will you be buying a home or car or making • another large purchase in the near future? You’ll want to find out about the variety of loan products offered. How many savings products are offered? This is • important if you hope to save for a big expense or toward your child’s (or your own!) future education. Many banks now offer uninsured investments, such as mutual funds, as well as the more traditional insured deposit accounts. Do you like the convenience of automated teller • machines and other types of electronic services — like banking through your personal computer, or do you prefer to deal directly with bank personnel? Answering this question will help you determine if you’d be happier at a bank with an extensive branch network emphasizing regular, evening, or weekend hours, or one that focuses more on electronic services like ATMs and PC banking. Now that you have the answers to these questions, call or visit several banks near your home or office. More and more banks even offer information over the Internet. If your current banking relationship isn’t all it could be, let them know if the level of service or convenience don’t meet your expectations and give them the opportunity to design a relationship that works for you.

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Bank
of his associates. If you need to call someone, call the number on the back of your debit card or off the banks “official”site.

ompare fees and service charges at the banks you’re C considering, as well as interest rates on loans and deposit accounts. What does each charge for services like cashiers checks, safe deposit box rental and ATM use? Because price isn’t the only — or even most important factor for most people in choosing a bank, take a minute to think about how comfortable you feel at each institution. Are your questions answered quickly and accurately? Do customer service personnel offer helpful suggestions? Will the hours and locations save you time and meet the demands of your lifestyle? Finally, look for an institution that is federally insured. This means your deposits will be protected up to $250,000. You will find federal deposit insurance stickers displayed on doors and teller windows. INTERNET BANKING TIPS he allure of a high yield savings account with a T reputable online bank can be very strong. One of the biggest risks of banking online has to do with the fact that you’re banking online! The internet, while secure in some respects, is still a dangerous place. There are software programs that will record everything you type and send it off to a thief’s computer. There are malicious e-mails floating around that are designed to trick you into entering your username and password on a fraudulent site. Here are a few helpful ways you can protect yourself:

DON’T USE AN INSECURE NETWORK OR COMPUTER: f you’re in a Coffee House, or restaurant, don’t I use do any sensitive banking; wait until you get home. Don’t log into anywhere at the hotel’s business center. If it’s not your personal computer, don’t use it. pdate your anti-virus and anti-spy-ware softU ware packages: That funny video you watched last week may have installed some bad stuff on your computer. Keep your anti-virus and anti-spyware software applications up to date at least once a week if not more. Thieves are getting more and more clever, but by taking some simple precautions you make yourself a much harder target. IMPORTANT NOTES • Look for longevity in your community. • Access your banking needs. • Visit several banks near your office or home. • Think about how comfortable you feel at each situation. • Look for an institution that is federally insured. QUESTIONS TO THINK ABOUT • What is your banking personality? • How much can you keep on deposit each month? • How many checks will you write? • What are your savings goals? • What time of day do you expect to do your banking?

USE A BANK WITH STRONG PROTECTIONS: username, password, and special picture is only A the beginning. Banks have begun adding a plethora of special login procedures ranging from passcode fobs to dozens of questions to on-screen keyboards. Some banks require that you click buttons on an onscreen keyboard in order to log in. While annoying, that on screen keyboard nullifies key-logging programs because you don’t enter in that special password. NEVER CLICK ON AN E-MAIL: f ANY BANK e-mails you a special message, most I always it is a thief looking for your private information. NEVER respond. Call your bank directly. They will not request private information via e-mail. on’t ever call a phone number in an e-mail: D Another common phishing technique is to tell you to call a special number, which goes to the thief or one

Bank Hours: 8:30 a.m. - 3:00 p.m. Monday - Thursday 8:30 a.m. - 6 p.m. Friday Motor Bank Hours 8:30 a.m. - 4 p.m. Monday - Thursday 8:30 a.m. - 6 p.m. Friday
Excluding Palo Pinto branch, no motor bank.

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Comanche

Santo

Palo Pinto

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325-356-2577

940-769-3611

940-659-3611

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Millsap

Mingus

Cool

940-682-4129

254-672-5910

940-682-9212

We Have Six Locations To Serve You
www.comanchenational.com

COMANCHE NATIONAL BANK FIRST NATIONAL BANK OF SANTO
940-659-3611 254-672-5910 www.comanchenational.com

a Division of Comanche National Bank

325-356-2577

Comanche

940-769-3611

Santo

Six Locations to serve you:
Palo Pinto Mingus

FDIC Millsap
940-682-4129

940-682-9212

Cool

IT MAY BE A GIFT TO THOSE YOU LOVE It was Ben Franklin who said nothing is certain but death and taxes. This article does not deal with taxes, but rather the other certainty in life. Everyone dies, so a discussion of funeral planning is never irrelevant. When someone we love dies, there are varying stages of anger, confusion and numbness. The funeral is one of the most significant means we have of dealing with grief. The funeral ritual helps us focus our emotions and brings a sense of meaning to death. It confirms the reality of death and provides a catalyst for mourners to talking about the deceased. Experts tell us being able to talk about the life of a deceased loved one is one of the first steps toward accepting death.

vent these complications which can loom very large during a time of pain and sorrow. HOW TO PLAN A call to a funeral director is a good beginning in making sure you have covered all your bases in your planning. He or she can lead you through a process to ensure you don’t forget vital information in your plan. Some funeral directors offer free booklets that provide a “punch list” of topics to think through and record your wishes. Topics in these guides include funeral details ranging from visitation to the memorial service and alternatives from burial, cremation or entombment. These are obvious decision, but other important topPREARRANGING YOUR FUNERAL ics include categories that will provide a helping Prearranging your funeral is not much different hand to your family. than any other planning you have carried out during Additional topics include organizations to be notiyour lifetime. You buy insurance in case of fire, flood, fied with phone numbers, persons to be notified, theft or death. These coverages are purchased as medical history, estate information, banking informaan act of love and responsibility for those you love in tion, real estate holdings and insurance policies. case an unfortunate incident occurs. A pre-planned Many include obituary information outlines, personal funeral accomplishes the same goals. property inventories and special instruction and infor A pre-planned funeral can prevent your family mation pages. There may also be information members from having to make a number of signifiregarding the importance of your will and how to go cant decisions at a time when they are confused and about ensuring it is accurate and updated. upset. They will have enough on their minds dealing with grief without having to make several important decisions in a very short period of time. Experts tell us that there are an average of 50 decisions to be made when arranging a funeral. Adding to the need for pre-planning is the fact that our lifestyle is more complex in today’s world. Family members often live in different states, complicating rapid decision making. Further complications stem from frustrations that occur when dealing with government agencies in different states. A solid preplanning session can pre-

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Funeral Home

The funeral ritual helps us focus
our emotions and brings a sense of meaning to death.

PRE-FUNDING YOUR FUNERAL Pre-funding your funeral also is an important consideration. Your funeral director can show you options which will waive your family from possible financial burden later. You may take out a life insurance policy which would cover funeral expenses, or invest in a funeral trust account or final expense insurance policy. Funds invested in a pre-funded funeral would cover the total cost of selected services and merchandise since interest earned by the funds will offset the effect of inflation. Government regulations safeguard your investment so funds will always be available for use. Another important part in your plan is to make sure your love ones know where your recorded wishes can be found. Millions of dollars in government and insurance death benefits go unclaimed because family members do not know where to find information they need at the time of death. Some considerations that also need to remain in the forefront of the pre-planning agenda:

Social Security: When a loved one dies, dependents and survivors may be eligible for certain benefits such as death payments, survivor’s benefits and Medicare. Qualifications depend on several factors such as age, marital status, number of dependent and whether employment was under Social Security. Your Social Security account should be verified periodically to ensure contributions are posted. All benefits must be applied for since payments are not automatic. Veterans benefits: Honorably-discharged veterans are entitled to benefits that may affect decisions about funeral arrangements. For example, veterans may qualify for a cemetery plot and burial allowances, a headstone and burial flag, as well as pension for survivors. Medicaid: There are provisions under Federal Title 19 that allow an individual to shelter funds to serve the family later by providing for funeral arrangements. Since qualifications vary for each of these options, it is best to discuss your situation with your funeral director.

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The History of Baum-Carlock-Bumgardner Funeral Home 302 W . Hubbard • 940-325-4422

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ifteen years after Judge and Mrs. J. A. Lynch founded Mineral Wells in 1877, Benjamin Holland and Bettie Clements Lattner opened their furniture store and funeral home. The following article was printed in “The (Mineral Wells) Daily Index” on March 28, 1905:

'B. H. Lattner was born in Franklin County, Georgia, March 7, 1854, and came to Mineral Wells in 1892, where he married Miss Bettie Clements. Both are licensed embalmers and members of the State Undertaker's Association. Mr. Lattner has been in the furniture and undertaking business all his life and therefore he is thoroughly posted in all of its branches. He has an immense stock of furniture constantly in stock in his two-story stone business house, and cordially invites the visitors to call and see him.” The first business location is pictured to the right with the caption from the book, “Time Was in Mineral Wells: a Crazy Story but True…” by A. F. Weaver: “B. H. Lattner was an undertaker by trade, but dabbled in other businesses, as read on the signs in front of his establishment.” (The signs read “B. H. Lattner, Furniture, Light Running Sewing Machines and Coffins," This building was located at the corner of S. E. 1st Street and South Oak Avenue and is now a parking lot. The best records available indicate the Lattners started their business there in 1892 and continued at this original location for about 15 years. In September 1905, Mr. Lattner purchased the lot at 116 South Oak Avenue and in 1906 built a three-and-a-half story brick building. The business continued there until September 11, 1936, when it was moved to 302 West Hubbard, the present home of Baum-Carlock-Bumgardner Funeral Home. Mrs. Lattner purchased this property on Oct. 30, 1932, four years after her husband passed away. The Rev. Clyde Campbell, who was the pastor of Calvary Baptist Church from 1930-1936, was the construction foreman on the brick and native rock structure. They started building in the spring of 1936, when Mrs. Lattner was 64 years old. Rev. Campbell gave the following account of the construction: “Mrs. Lattner and I drove many miles inspecting funeral homes before we started the building. We bought, wrecked, and hauled four residences from Thurber for the woodwork, and gathered the rock from the mountains. Many persons worked out funeral bills they owed Mrs. Lattner. Times were hard and money hard to come by. I never charged her a dime for my work. She was a good woman caught in a hard condition and I helped her out. I had to beg clothing, caskets and even graves for poor people during that depression and she never turned me down.” Mrs. Lattner operated the business for only about a year in the “almost completed” new building. An article in the Mineral Wells “Daily Index” dated May 30, 1948, contained the following information: “Drew Baum and Neil Carlock were living in Stamford when they attended the State Funeral Directors convention in Mineral Wells in May 1937. The B. H. Lattner Funeral Home was for sale and they found it out while they were here, made plans to buy it and moved their families here June 1 of that same year.” On May 2, 1960, the Baum and Carlock Funeral home became the Baum-Carlock-Bumgardner Funeral Home. Mitchell O. Bumgardner, his wife Jean, and their son, John Bumgardner, moved to Mineral Wells from Colfax, Iowa, having purchased sole ownership of the firm. Mr. Bumgardner owned the funeral home during the height of the Fort Wolters activity and population influx. He died Sept. 27, 1972. His wife attended the Dallas Institute of Mortuary Science, received her funeral Directors license in 1979 and continued to actively operate the business until she passed away on March 20, 2004. Rual Perkins joined the staff of Baum-Carlock-Bumgardner in March of 1974 and became the Funeral-Director-in-Charge shortly thereafter. He and his wife, Donna, purchased the funeral home April, 2005.

“FURNITURE AND UNDERTAKING”

Drew Baum

Neil Carlock

Mitch Bumgardner

Jean Bumgardner

Investing in a swimming pool is a big decision. Choosing the right pool and the right company to construct your pool is critical to maximizing your enjoyment for many years. The trend is to create a backyard that homeowners can escape to that makes them feel like they are on a vacation, without having to spend a lot of money on expensive getaways. Vacations are wonderful, but how many times have you spent hard-earned money on a vacation only to have your expectations not met? If you plan and do a bit of research, you can enjoy a vacation every day. CHOOSING THE RIGHT POOL FOR YOU There are several different types of pools for your investment: Above ground, gunite in-ground, vinyl lined in-ground and fiberglass. Each offers its own features and benefits. ABOVE GROUND POOLS If you are on a tight budget, an above ground pool may be right for you. Above ground pools have changed dramatically over the years. They now offer neat features like fiber optics, sturdy ladders, pool lights, and new designs on the outer wall. The construction of these pools has changed, making them sturdier, and most warranties are 15 years or longer. Some advantages to above grounds are that you can install them yourself, be swimming in a day or two and you can disassemble them and take them when you move. The price is right for these pools as well. Typical above ground pools start around $300 and go to about $5,000. If you want the pool installed, installation prices vary, depending upon the site. Installation can range from $400 to $2,000. GUNITE POOLS After excavation, your empty shell is steeled with rebar. Then the shell is shot with gunite, a special concrete mix that yields a 4,000-PSI strength. This is a monolithic shell and you can be assured that your pool is there forever. After your shell is complete, a plaster finish is placed on the shell that includes a one to five-year manufacturer’s warranty on the finish. There are numerous options when constructing a gunite pool. Gunite pools typically range from about $25,000 to $45,000 depending upon

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features. Gunite pools are the most popular in Texas and the South and can be custom designed. FIBERGLASS POOLS Fiberglass pools are one-part shells that are lowered into the ground after excavation. Fiberglass pools are functional pools and can be designed in many different shapes and sizes. Fiberglass shells vary in methods of fiber-glassing. Manufacturer’s warranties are only effective if the pools are installed properly. Be sure your builder has experience installing fiberglass pools. Research the type of fiberglass shells carefully. They typically range in price from $20,000 to $50,000 depending upon size and options. VINYL LINER POOLS Vinyl liner pools are great because they can be completed within a week or two and are most popular in the Midwest. Typical vinyl liner construction consists of steel, concrete or wood walls, liner, steps and surrounding decking. Vinyl liner pools are in ground pools, and you can vary the size and water depth of your pool. They also offer nice options such as fiber optic lighting, pool sweeps and many different shapes and sizes. Prices for vinyl lined pools vary, but typically range from $20,000 to $30,000 depending upon size, options, etc. Keep in mind that you will have to change your liner. Depending upon the initial quality of your liner and how well you maintain your pool, your liner should last an average of 10-15 years. Replacement liners cost $1800 to $3500, depending upon thickness and size. CHOOSING A POOL BUILDER Now that you have decided on which pool you want to invest in, it’s time to choose your builder. Talking with friends and family who have built pools is the first recommendation. When interviewing potential builders, ask them for a list of customers you can contact. Obtain at least three written quotes. Viewing one of your builder’s finished pools is an absolute must. Many people do not take this extra step, but take the time to see a few of the pools that he has built. A FEW THINGS YOU SHOULD DO Ensure that your builder knows local zoning, grading and building requirements; inquire about worker’s compensation and general liability insurance; check

with the Better Business Bureau; ask about the location of your filtration equipment and electrical requirements; discuss possible damage to shrubs, trees, plants and driveways and be clear about who’s responsibility it is to repair possible damage. For inground pools, there is a lot of dirt that will need to be removed from the property; be sure and ask your builder to remove the dirt. Get the pool company’s warranty in writing; and review contracts thoroughly. Also ask who is responsible for the pool if rain causes any slough offs.

MAINTENANCE Your pool is built and it is time to enjoy. Now comes the dreaded part, right? Absolutely not! Maintenance is a breeze. Automatic cleaners are inexpensive and will save you many hours of vacuuming your pool. Set your timer for whatever time you want the auto cleaner to come on and by the time you get home from work, your pool is clean. The test kit is easy to understand and only takes a few minutes. Your builder should supply you with written instructions in pool maintenance so that you may reference them if necessary until you become comfortable with your maintenance schedule.

SAFETY Common sense is the rule of thumb regarding safety around the pool. Supervise children, stow life saving equipment nearby, no running or diving in shallow water, install handrails if necessary and ensure deck area is non-slip. Accidents in and around the pools are rare; however, you might consider an umbrella policy. Insurance companies will provide you with an umbrella policy if you ask. A typical $1,000,000 policy usually runs about $200 per year.

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TOP 6 THINGS YOU SHOULD KNOW • Decide the type of pool that will fit into your lifestyle and budget. • Follow the steps listed here to select your pool builder. • Take the time to design your entire back yard. • Look at as many pool design options as possible. • Follow maintenance and safety guidelines • Always check that the dealer has accredited awards and belongs to substantiated organizations such as APSP, has Aqua Hall of Fame Recognition, members of the Better Business Bureau,Chambers of Commerce, etc.

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FLOWERS ARE LIKE SUGAR. THEY MAKE EVERYTHING BETTER. But, of course, the experience with the florist is just as important as the flowers themselves. Whether planning for a 200-person wedding, a birthday party or simply covering yourself on Valentine's Day, it pays to develop a relationship with a florist who can help you through those special times.

Floral design is a detailed process and if the person you meet with is not the person who works with your flowers, then they may not come out looking exactly like what you expected. • Do they provide samples? Florists should provide a sample of the centerpiece you have chosen or something they may have already prepared that is similar to it. Choosing the right flowers is a very important process. You will be putting a lot of time, effort, and money into having the perfect reception or event and seeing a sample will help relieve the uncertainty of not knowing what it will look like. At the same time, it confirms that the florist can actually HERE ARE A FEW QUESTIONS AND deliver what it is that you have chosen. TIPS TO HELP YOU GET STARTED: • Do they do custom work or just provide packag • Do they help educate you about flowers? es? After all, it is your wedding or event and it should • They should provide the best advice in helping look exactly the way you want it to. You should never you choose the perfect flowers for your wedding day settle for a package that looks like what everybody or event. Most customers do not know where to else may be getting or what seems to be popular at begin with the time. flowers. A flo• Do they ral designer put your should be willoffer in writing to offer ing? No advice and matter how help you coorgood the dinate flowers florist is, or that are availhow much able for that they care time of year and that would best suit your event colabout you, if they don't put it in writing, then do not ors. make the deal. No matter what, there is no way they • Ask to see photos of their work. Florists should are going to remember the exact details of what they have photographs of some or all of their work from "promise" you that day. previous events and weddings. Every florist is differ • Are they familiar with the reception and/or event ent and this allows you to get a feel for what their sites? Florists should be familiar with the sites local style is and see variety in their work. Further, it also to their area. Being familiar with the sites in their area provides means for you to pick out a similar design gives them the expertise of knowing exactly how to that you may want for your event or wedding. prepare and set-up for an event. They will also be • How many events do they have per day? They aware beforehand of any problems they may have should be able to tell you how many weddings and had with the site in the past. events they do each day. Having too many events in • Will they re-use flowers from my ceremony for one day increases the chance of mistakes and reduc- my reception? A florist should be flexible and able to es the ability to personalize. Some florists who are offer a way to re-use flowers. The re-use of flowers is overly busy during your event may lose attention to extremely economical. Most flowers from the ceremodetail. The more unique you want your event to be, ny end up being donated to a church that will already the more time it should take to organize and set up. be receiving its own flowers. • Will the same floral designer that met with you be Ceremony flowers can be used as entrance decogiving your wedding personal attention? The person rations or behind the head or sweetheart tables. who is meeting with you should also be the What are their guarantees regarding freshness and person who is working with your flowers. availability? A florist should be able to guarantee

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Florist
freshness and availability of flowers promised to all brides and customers. Flowers that are chosen should be the exact flowers used on the day of the event. Walking into your event and finding a different variety of flowers and colors than were chosen is not acceptable. Florists should also know that certain flowers are not available year round and should not promise that flower if it will not be available during the time of your event. If they can manage to get a flower that is not in season, chances are it will not look its best for the event. OTHER QUESTIONS • Are there rental fees, or does the price include baskets, runner, arch or any props? • Will the florist label all personal flowers or does he/she stay to pin them on? • Does the price include delivery and pick-up of rental items after reception? • When does the florist purchase the flowers? One to two days before the wedding is ideal. Does the florist have a refrigerator? Roses, gardenias, and other delicate flowers need to be kept cool, especially during summer months. Will the florist be there for setup or will it be left to the delivery driver? Especially for outdoor weddings, the arch, gazebo, or chuppah needs to be decorated as close to the ceremony as possible.

At Penny’s we try to give every customer individual and personal attention to special details. We encourage you to ask questions. Communication is vital in putting together special events.

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Celebrating 27 years in business

Flowers For All Occasions
• Weddings Any Size • Fresh or Silk Arrangement • Gift Baskets • Balloon Bouquets • Plants Anniversaries • Birthdays • Sympathy
We deliver to the hospital, funeral homes and city wide.

• Locally Owned and Operated • All major credit cards accepted

306 S.E. 1st Street • Mineral Wells • 940-325-9444 • 800-582-7849

www.pennysflowershop.com

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North. He also serves on the board of the Convention Industry Council. “What made it work? What was great about it? What were the challenges?” McNally asked, indicating that answers to questions like these help him and his staff make events successful. To best use your money, focus on the purpose of your event, putting your money where it means the most. “Do you want to focus on the food and beverage more than the decor? Is the entertainment the focus?” McNally said. Set priorities and make decisions early. You may have to cut back on food to have the multi-image show you want. With needs and goals in mind, you can narrow your search to a few properties. Date and type of location are your primary criteria, followed by size and budget.

Choosing the right location contributes to the success of a trade show, product rollout, sales meeting or other corporate function. Like a business suit, the site must fit well to be comfortable and make the best impression. And a good fit starts with knowing what you need. “Before talking with any facilities, know exactly what the goals and objectives of the meeting will be,” said Richard A. Robichaud, meeting and trade show planner for Meeting Professionals International. Start with the date and budget. Define location needs — downtown, airport, suburbs, resort or convention center. How many people are expected to attend and what do they expect? Review food and beverage, technology, amenities, evening functions, transportation and security needs. One way to gather information is reviewing the last time your company did this event. That’s how Kevin M. McNally begins conversations with clients. He is co-president of the Society of Corporate Meeting Professionals (SCMO) and director of convention services for the Westin Chicago River

What you should know
1. Start with the date and budget. 2. Review the last time your company did the event 3. Set priorities and make decisions early. 4. Find a facility that will provide all your needs at the best price.

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Holiday Hills Country Club is known throughout the area for its wonderful food and friendly service. Within the club there are several meeting rooms and banquet services available for up to 500 people. Our menu offers a variety of food choices from Salads to Crab Cakes to Steaks at a reasonable price. The club's lounge area offers a relaxing space for after golf cocktails. The bar area includes big screen TV's for game watching for you and your friends. The club has monthly entertainment that is part of the Mineral Wells social scene.

• Weddings • Catering Service • Sound System • Projection Screens • Seminars

• Family Reunions • Class Reunions • Bands and Karoke • Business Meetings

For more information, contact: Andrea Hamilton or Teri Hubble, Food, Beverage and Restaurant Managers Holiday Hills Country Club • Highway 180 East • Mineral Wells • (940) 325-9442

More than 5 million Americans are currently living with Alzheimer’s Disease. While symptoms can vary greatly, a telltale sign of Alzheimer’s is memory loss that begins to adversely affect work, social life, and other lifelong activities and hobbies. First described over a century ago by German physician Alois Alzheimer, Alzheimer’s Disease is a brain disorder that has no cure. Alzheimer’s typically gets worse over time, as what’s first characterized as forgetfulness or minor memory loss can and usually does turn into feelings of confusion, trouble expressing oneself or organizing thoughts in a coherent manner, and changes in personality or behavior. While not everyone will experience the same symptoms, many of these symptoms tend to develop as the disease progresses. This results from the interconnected nature of the nerve cells in the brain. Because these nerve cells need to communicate with one another for the brain to work effectively, when one

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Alzhiemers Care
group of nerve cells begins to deteriorate it has an adverse effect on other groups of nerve cells, eventually resulting in the negative performance of those groups of nerve cells as well. This spiraling effect causes the brain to deteriorate over time as Alzheimer’s continues to advance to more serious and negative stages. Planning ahead by exploring living arrangements

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and care for your parent or loved one with Alzheimer’s is critical when it comes time to making the right decision. Caring for a parent with Alzheimer’s is an extremely challenging experience for families. There is no standard answer for “What type of care is best?” The philosophy and appropriate

level of care, preferred location, and budget all need to be considered. Skilled care or nursing homes are a parent’s most dreaded option and least popular to consider. When dependent on 24-hour skilled care provided by licensed nurses and other options are no longer feasible, then this care is often the only answer. Explore Medicare/Medicaid certified homes because your love one may be eligible for benefits related to skilled care requirements. Try finding a facility that has a special care unit as many do now, that is designed to meet the unique needs of Alzheimer’s. Hospice care is an alternative to nursing home care that is often overlooked for those in late stages of this disease. These homes emphasize dignity and comfort and provide necessary skilled care. To qualify for this care the doctor must determine that your parent is terminally ill with a prognosis of usually less then six months to live. Verify that the facility is Medicare/Medicaid certified to be eligible to receive benefits. Accepting this type of terminal care is difficult for many, but may be the most appropriate option.

Mineral Wells Nursing and Rehab
Devoted to Caring Committed to Excellence



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At Mineral Wells Nursing and Rehabilitation, you can get well and go home, or stay as long as you like.
We are located across from PPGH Therapy gym with in-house therapy staff Caring Staff and Activity Focused Care Private Dining Room for family functions

• • • • •

Physical Therapy Occupational Therapy Speech Therapy Medicare Suites Secure Unit

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Accepting Medicare, Medicaid, Insurance and Private Pay We have Medicaid Beds Available Mineral Wells Nursing and Rehab 316 SW 25th Ave Mineral Wells, Texas Phone: 940.325.1358 Fax: 940.325.5802 E-mail: adm.mineralwells@daybreakventu

Mineral Wells Nursing and Rehab

Daybreak Venture

If you’re like most people, you didn’t choose a pharmacist, you chose a pharmacy for your medication needs. Your pharmacist is a very important part of your health care team and should be chosen carefully. In between doctor visits, your pharmacist can be an important resource for you. This is especially true if you are using multiple medications or need help with products such as blood glucose meters, asthma inhalers, or other special care items. Some key questions to ask when choosing a pharmacist include: • Does the pharmacist take time to answer your questions in a manner that you understand? • Does the pharmacist tell you about each new medication and explain such things as how and when to take the medication and what you can and cannot take with it? • Does the pharmacist have any special training in disease management, such as a certified asthma counselor? • Does the pharmacist show concern for you and your family? • Does the pharmacist recommend vitamins or supplements to take or tell you which ones you should NOT take with your prescriptions? If your current pharmacist doesn’t meet your needs or doesn’t take the necessary time to make sure that you understand your medications, visit other pharmacies and ask if the pharmacist has any special certifications or training. Find out if the pharmacy has any special services that they can offer you such as demonstrating a new inhaler. See if you can find a pharmacist that is easy to talk to, yet shows concern and is able to explain what you need to know as a consumer of both prescription medications and vitamin supplements. WHAT TO LOOK FOR IN A PHARMACY Where your family pharmacist works should also be an important consideration when deciding where your medication needs are going to take place. Most people taking medications visit a pharmacy monthly and should consider several factors when choosing which pharmacy to patronize. Convenience is an important issue with all of the time pressures that peo-

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Pharmacy
i one ii two iii three iv four po take by mouth QD take once a day BID take two times a day TID take three times a day QID take four times a day q12h take every 12 hours q4-6h take every 4 to 6 hours prn as needed or if needed pc after a meal ac before a meal as left ear ad right ear ou both eyes od right eye os left eye tsp teaspoonful ml milliliter

ple feel these days. The pharmacy should be in a convenient location with convenient parking nearby. If you are unable to get to the pharmacy, the pharmacy should make sure that your prescriptions are mailed to your home or delivered to your home or work. Having the ability to open a charge account or have a credit card kept on file for charging prescriptions is a convenient feature, especially when you are on a trip or someone else is picking up the prescription for you. The pharmacy may offer any special services that set them apart from the other pharmacies. You might be interested in special packaging to make it easier to remember to take your medications. If you have diabetes, finding a pharmacy that can demonstrate several glucose monitors to find which one works best for you can make testing your blood sugar easier. Some pharmacies also have the ability to “download” the readings off of your diabetes monitor and print them out for you. This will help both you and your doctor control your diabetes. Ask if the pharmacy can measure your “Alc” level to check your longterm glucose control. It’s a good idea to get all of your prescriptions filled at a single pharmacy. The pharmacy keeps a complete medication profile on you. These profiles record all medications that you are taking, health problems, and drug allergies that you have told your pharmacist about. By going to one 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 occur when some

medications are mixed. With a little effort, you should be able to find a pharmacy that will be your partner in your goal of living a healthful life. HOW TO READ A PRESCRIPTION Most prescriptions are made up of Latin abbreviations. The following is a short list of some of the more common ones and what they mean:

“An apple a day, keeps the doctor away!”

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DIAMOND PHARMACY

Our Family Knows Your Family’s Needs. We Will Help You Feel Better.
100 SE 17th Ave. • 940-325-2541(inside Metro)
HOURS: Mon-Fri 9-9. • Sat 9-8 • Sun 10-2

DIAMOND PHARMACY

A pharmacist dispenses drugs as required by a physician. In the olden days, a pharmacist would compound the drugs from their ingredients, but now prescription drugs come straight from the drug companies in pill or liquid form ready to be measured out and bottled. So how hard is it to be a pharmacist? It seems like anyone would do, right? Not so fast... The pharmacist you pick to dispense your prescriptions ought to be convenient and have hours that complement your schedule. You should also pick one pharmacist and have all your prescriptions at the same place. This is particularly key if you have a number of different doctors, as happens when we get older and have to see a variety of specialists for our various ailments. There needs to be one central location that knows everything - and I mean everything - you have been prescribed, to monitor for possible drug interactions. If your general practitioner doesn't know what your orthopedic surgeon has prescribed for you, and vice versa, you could be in for a tragic surprise. Because a pharmacist directly handles the medicines that are available by prescription, he or she is required to keep abreast of drug interaction information which is constantly evolving and being revised. You should also tell your pharmacist if you are taking any herbal supplements, since they can also interact with prescription drugs. So you can see choosing a pharmacist is an important aspect of your overall health care.

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Pharmacist

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diamond p
Mon.-Fri 9am-9pm Sat. 9am-8pm • Sun 10am-2pm

100 SE 17th Ave. Mineral Wells

Ask Me ...

325-2541

Professional, knowledgeable, courteous service is what I am proud of. After 20 years of service, only you would know better how to take care of your family. Voted the “Best Pharmacist In Town,” coupled with a computerized data base, I can answer any questions you may have, as well as capture any conflicting medication issues before complications arise.

Because I care.

h a r m a c y

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Tire
IMPORTANT POINTS P195/75R14 92H The “P” stands for “passenger” tire. Tires for light trucks may be marked with “LT.” P195/75R14 92H This is the width of an inflated tire (mm) at its widest point. P195/75R14 92H The aspect ratio is the relationship of the height to the width. P195/75R14 92H “R” stands for “radial” indicating the tire has radial construction. P195/75R14 92H The diameter of the wheel in inches. P195/75R14 92H The load index corresponds with the load-carrying capacity of the tire. Most passenger car tires range from 75-105. P195/75R14 92H “H” is the performance rating. A is the lowest and Z the highest.

The tires on your vehicle can affect your safety and driving enjoyment. Choose tires that match both your vehicle and the way you drive.

HOW MANY TIRES DO I NEED? All four tires should be identical. If your tires don’t match, you could have handling problems. For instance, one end of your vehicle may not respond as quickly or completely as the other end, making the vehicle more difficult to control. If you just need to replace one tire that has been damaged, replace it with a tire of the same brand type, size and speed rating. A tire that doesn’t match the other three tires on your vehicle could affect your driving safety. If you need to replace two tires and the remaining two have a lot of tread depth left, replace them with tires that match your existing set as closely as possible. Identical new tires are best but others of the same size and type can also provide good results. SHOULD I BUY A DIFFERENT TYPE OF TIRE? If you are replacing all four tires, you can explore another category of tires. If you want longer lasting tires, better traction or a smoother ride, there are tires that will help you accomplish this. WHAT SIZE TIRE DO I NEED? Tires must be able to carry the weight of your vehicle. If a tire is overworked just carrying the load, it will have little reserve capacity to help your vehicle respond quickly and safely. Do not buy undersized tires. Check your owner’s manual, vehicle door jam or glovebox, to find the size of tire recommended for your vehicle. The other size consideration is overall tire diameter. For cars and vans, stay within a +/-3 percent diameter change. Pick-ups and sport utility vehicles (SUVs) are usually engineered to handle up to a 15 percent oversize tire. WHAT WEATHER AND DRIVING CONDITIONS WILL THE TIRES FACE? Select a tire that suits the driving conditions you face most often:

• Snow or ice: snow tires. • Heavy traffic: more responsive tires. • Winding roads or in the mountains: a tire that handles well. • Extensive highway driving: tires with a smooth, quiet ride. If you face very different driving conditions (heavy snow in the winter and lots of highway driving in the summer), consider selecting two sets of tires. You’ll get better driving performance and longer total wear from your tires. WHAT KIND OF “LOOK” DO I WANT? Think about whether you’re happy with standard tires or you want the added flair of custom wheels or plus sizing. HOW CAN I FIND THE BEST VALUE? Simple fact: In the long run, cheap tires won’t save you money. They don’t last as long as higher quality tires and may result in a rougher ride and inferior handling. Your goal in tire shopping should be to find the highest quality tire that meets your specific needs and your budget. A tire has several important functions:

STEERS THE VEHICLE A tire’s ability to maintain its course affects the vehicle’s ability to drive in a straight path. The tire has to help the vehicle steer regardless of road and weather conditions. SUPPORT THE VEHICLE A car tire has to carry more than 50 times its own weight. ABSORBS BUMPS The flexibility of a tire helps it absorb bumps on uneven road surfaces and provides a stable ride for the driver and passengers while protecting the vehicle. TRANSMITS FORCES Tires transmit the engine’s power to accelerate and the braking force to stop. How well the tire performs these functions depends in part on how well the tire is maintained.

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Todd Hamilton Owner

Our Friendly Staff

“ W e S t r i v e To P u t O u r C u s t o m e r s F i r s t . . . ”

DOUBLE H TIRE
316 E. Hubbard • Mineral Wells, TX 76067
HOURS: Mon. - Fri. 7:30-5:30, Sat. 7:30-1:00, Sun. Closed

940-325-9434

"Our Family Taking Care Of Your Family"

The only thing worse than having a sick child is sitting with one in the ER waiting to see the doctor. PPGH understands and during our flu and pnuemonia season, starting Jan. 1, we will be adding an additional physician to the ER from 4pm- Midnight.
940-325-7891 www.ppgh.com

400 SW 25th Ave • Mineral Wells

"Our Family Taking Care Of Your Family"

Welcomes our new Obstetrician & Gynecologist

Dr. Glena Davis

• Expecting Mothers • Pelvic Pain • Women's Health • Family Planning • PMS/PMDD

Dr. Glena Davis

108 SW 6th Avenue • Mineral Wells, TX 76067 • phone: 940-328-1200 • fax: 940-328-1205 • www.DavisOb.com

Accepting new patients. Call today for an appointment.

OVERVIEW Maintenance is something most of us ignore, until our vehicle stops functioning, that is. And then we wonder what went wrong, where. Maintenance is one of the most serious aspects of ownership. It determines the longevity, performance and reliability of whichever vehicle you drive. Looking after your vehicle involves more than taking care of its external coat of paint and keeping it clean and shiny. Maintenance means taking care of all the parts, even those that are under the hood. These are the ones that directly concern the performance of your vehicle. Besides taking it to the service station at regular periods, it is a good idea to go through the owner’s manual that will give a fair idea about its routine maintenance. Checking the battery, keeping a check on the oils, changing the oils, checking the electrical system, are some of the important you must do things to keep your vehicle in good shape. Keeping a log book in which you keep all the details regarding repair, maintenance, routine checkups, etc., will give you an accurate idea of what needs to be done when. PREVENTIVE MAINTENANCE AIR FILTER Check it every month. Replace it when it becomes dirty or as part of a tune -up. It is easy to reach, right under the big metal ‘lid’, in a carburetor engine; or in a rectangular box at the forward end of the air in a duct hose assembly. BATTERY Extreme caution should be taken while handling a battery since it can produce explosive gases. It is advisable not to smoke, create a spark or light a match near a battery. Always wear protective glasses and gloves. BELTS Inspect belts and hoses. Replace glazed, worn or frayed belts. Replace bulging, rotten or brittle hoses and tighten clamps. If a hose looks bad, or feels too soft or too hard, it should be replaced. BRAKE FLUID Check the brake fluid monthly. First wipe dirt from the brake master cylinder reservoir lid. Pry off the retainer clip and remove

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Car Maintenance
the lid or unscrew the plastic lid, depending on which type your vehicle has. If you need fluid, add the improved type and check for possible leaks throughout the system. Do not overfill. ENGINE OIL Check the oil after every fill up. Remove the dipstick, wipe it clean. Insert it fully and remove it again. If it is low, add oil. To maintain peak performance, the oil should be changed every 3,000 miles or 3 months, whichever comes first. Replace the oil filter with every oil change. EXHAUST Look underneath for loose or broken exhaust clamps and supports. Check for holes in muffler or pipes. Replace the rusted or damaged parts. Have the emission checked once per year for compliance with local laws. HOSES Inspect the hoses and belts monthly. If a hose looks bad, or feels too soft or too hard, it should be replaced. LIGHTS Make sure that all your lights are clean and working, including the brake lights, turn signals and emergency flashers. Keep spare bulbs and fuses in your vehicle. OIL FILTER To maintain peak performance, change oil every 3 months or 3,000 miles whichever comes first. Replace oil filter with every oil change. POWER STEERING FLUID Check the power steering fluid level once per month. Check it by removing the reservoir dipstick. If the level is down, add fluid and inspect the pump and hoses for leaks. SHOCK ABSORBERS Look for signs of oil seepage on shock absorbers, test shock action by bouncing the car up and down. The car should stop bouncing when you step back. Worn or leaking shocks should be replaced. Always replace shock absorbers in pairs. TIRES Keep tires inflated to recommended pressure. Check for cuts, bulges and excessive tread wear. Uneven wear indicates tires are misaligned or out of balance. TRANSMISSION FLUID Check transmission fluid monthly with engine

warm and running, and the parking brake on. Shift to drive, then to park. Remove dipstick, wipe dry, insert it and remove it again. Add the approved type fluid, if needed. Never overfill. WASHER FLUID Keep the windshield washer fluid reservoir full. Use some of it to clean off the wiper blades. WIPER BLADES Inspect the wiper blades whenever you clean your windshield. Do not wait until the rubber is worn or brittle to replace them. They should be replaced at least once per year, and more often if smearing occurs.

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S

1984 ince

Dedicated to Customer Satisfaction!
FA COURTST SERVIC EOUS
E T YOU C HAT AN AFFO RD!!



FULL SERVICE CENTER

WE NOW DO ALIGNMENTS



Road Side Assistance, Brakes, Batteries, Tune Ups, Repairs, Tires

STATE INSPECTION
Auto Air Conditioning Specialist Recharge New & Rebuilt Systems Replace Compressors
Mon. - Fri. 8am - 6pm Sat. 8am - 3pm Closed on Sunday

Richard Ralls Operations Manager

Randy Leek – OWNER Master Auto Technician
~ OPEN SIX DAYS
A

2102 E. HUBBARD • MINERAL WELLS
WEEK~

940-328-1042

Many heart centers encourage and support patient recovery through Cardio Rehab programs and support groups for not only the patient but also their families. Perhaps, you might attend a meeting to gain perspective and knowledge about heart care. These programs have post-surgical patients that have just try. been through all the process and they can share Many of us may be predisposed to heart problems opinions on the best patient care, physicians, and due to family history or lifestyle choices. If a medical facilities in the area. situation arises, you should be prepared in advance to make informed decisions regarding your treatment. QUESTIONS TO ASK Heart Centers have populated the medical com • What types of educational services are offered to munity in recent years due to increased demand for the patient and the family? specialized cardio care. In searching for a heart facili • Is the family communicated with as much as the ty, a wealth of information can be found on the varipatient to ease fears and increase knowledge? ous medical Web sites. • Do they have several different types of patient Recommended sites include the AHA.org plans and procedures? (American • What will be the length of stay? Hospital Association), and the Acc.org (American • What will be the recovery or rehabilitation time? College of Cardiology). These sites can provide • What are the safety and quality rates of the facilbasic information on every diagnosis and rankings of ity? the best facilities in the state or nation. • What specializations are offered at the facility? The optimal care facility will offer a complete • How many open-heart surgeries are performed range of services from preventive, diagnostic, interat the center every year? ventions and post operative care. The team of surgeons and doctors will be board certified and trained THE HEART CENTER APPROACH in the latest advances for heart care. The center will The Heart Center’s approach to care will reflect offer comprehensive collateral services for the patient the affiliated hospital’s values and philosophies. and family including education and seminars, nutriExceptional patient care and quality treatment tion care and spiritual care. remain their focus. The team will meet to discuss your case and deliver the best possible care. By QUALITY COMES FIRST assembling a first rate team of heart care profession The quality of a heart center is reflected in the als, the center ensures a continuum of health care overall care a patient receives from consultation, unprecedented in medical communities. diagnosis, treatment and after care. The facility will Take advantage of the specialized educational be certified by the Joint Commission on Accreditation opportunities these centers provide. Learn about of Healthcare Organizations (JCAHO). The center will keeping your heart healthy through preventive care. offer the most advanced treatments [like Aneurx, a But, rest assured, should the need arise, a Heart minimally invasive procedure to remove aneurysms.] Center will provide every aspect of care to ensure a Experienced and professionally trained technicians quick recovery and best possible outcome for you skilled in the area of heart care are imperative. and your family. The team a heart center assembles directly contributes to the best overall outcomes. Talk to the heart center about their technologies, the number of procedures completed and the success ratio of outcomes. This information will increase your confidence and trust in the facility.

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Heart Center

While we all hope we never have a need for heart care, the facts remain that heart disease is among the leading causes of illness and death in the coun-

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HEART CENTER

SERVICES PROVIDED: • Echocardiogram–Adult & Pediatric • Transesophageal Echocardiogram • Cartoid Duplex • Stress Tests–Treadmill & Chemical • Cardiac Nuclear Imaging • Bone Scans • MUGA Scans • Lung, Liver, Kidney & Thyroid Scans • Vascular Studies • Cardiac Rehabilitation Phase 2 • Electroneuromyography (EMG/NCV)

Dr. Jagadish “Jay” Puppala, M.D.

BOARD CERTIFICATIONS Internal Medicine Nuclear Cardiology Cardiovascular Disease SPECIALTY: Cardiovascular Disease and General Cardiology– Trained at University of Colorado Health Sciences Center Nuclear Cardiology–Level III–Trained at Yale University School of Medicine Cardiac Ultrasound and Echocardiography–Level III–Trained at Yale University School of Medicine Non-Invasive Imaging and Non-Invasive Cardiology

~ Accepting new patients Mon–Thurs ~

320 S.W. 25th Ave • Mineral Wells • 940-328-6547 • www.ppgh.com

You’ve heard it before: Regular exercise increases your energy and metabolism, improves strength and flexibility, decreases stress, brightens your mood and helps fight disease as you age. With all those fantastic benefits, why would you ever skip a workout? Alas, fitting it in can be difficult as your life gets busier. What you need is a place where you’ll have fun working out and a plan that makes doing so as second nature as brushing your teeth. Joining a fitness or sports club carries many benefits. Some join for the chance to meet other like-minded people. Others join such clubs for the convenience of being able to play and socialize on their own schedules. Some join simply because it may be cheaper to have a membership than pay entrance or game fees each time. But as with any other activity, the benefits of joining a club can be enhanced and bad experiences can be avoided with some thought and planning. HERE ARE SOME THINGS TO THINK ABOUT: Ten questions to ask before joining: • Will I have fun? • Will I have the opportunity to make new friends while maintaining previous friendships and family ties? • Do I agree with the purpose or mission of the club? • Why am I joining the club? • What can I offer the club?

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Fitness Center
• Will this group challenge me to improve? • Will I be able to get the most out my membership, as well as balance other things in my life, such as job, family and church? • How will membership in this group help me reach my personal goals? • What are the requirements of membership? • What does this club have to offer me? EQUIPMENT • Find out what equipment and amenities the club offers – such as free weights and exercise machines. • Equipment selection is a very individual point that holds varying weights for different people. • Some people like a wide variety of equipment and machines while others just need some benches, dumbells and barbells. • A club that has too much equipment can be just as bad as a club that doesn’t have enough as they can be quite confusing, especially to a beginning trainer. • Look for a wide variety of cardio machines as well. TIPS FOR JOINING A CLUB The main thing you want to consider before joining is what you will need and want from a health club. Here are a few simple tips to consider when choosing a fitness facility that is right for you. The first thing you want to look for is a friendly qualified staff with solid credentials. Don’t feel bad about asking for credentials. Ask what services they offer to help with your goals. Services should include nutrition, personal training, group exercise and strong personal programming.

THE QUALITY OF THE FACILITY Today’s health clubs are much different than the clubs of the 80’s and 90’s. Today’s clubs specialize in certain populations. For example, some clubs are designed for people between the ages of 30- 50. They have services such as steam saunas, juice and coffee bar, tanning and the degree of finish is a bit higher. Trial memberships are one of the biggest things to look for. Ask if you can try before you buy. If a club won’t let you try the facility before you spend your hard earned money, they might be hiding something. Overall the facility should make you feel good. A good club will be packed with lots of energy and a positive motivating staff that will help keep you on track. Don’t be afraid to ask specific questions, beyond cost and membership plans. Sometimes members get discounts on equipment. Some even have travel plans available for attending regional and national sporting events, depending on the type of club you are interested in. Always ask about the hours the club is open, can you invite guests and other family members and what access you will have to each amenity. POINTS TO REMEMBER ■ Be sure the club’s hours of operation suit your schedule. ■ Find out what equipment and amenities the club offers.

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320 S.W. 25th Ave • 940-328-6580 • Mineral Wells, Texas • www.ppgh.com

The open road is beckoning, and visions of freedom from yard work, curious neighbors and all manner and mode of home hassles dance in your eyes. That’s all good. But the purchase and operation of a recreational vehicle can bring its own set of problems unless you buy smart. Here’s some help to get started: SHOPPING SMART Savvy consumers shopping for a recreational vehicle should look for the Recreation Vehicle Industry Association seal. The oval-shaped seal, prominently displayed on the exterior of motor homes, travel trailers, truck campers and folding camping trailers, means the manufacturer is an RVIA member. Such manufacturers self certify compliance with more than 500 safety specifications for electrical, plumbing, heating and fire and life safety established under the American National Standards Institute (ANSI) A119.2 Standard of Recreation Vehicles. RVIA is a national association representing RV manufacturers and component parts suppliers, who together produce 95 percent of all RVs manufactured in the U.S. All RVIA member manufacturers, as a condition of membership, are subject to periodic, unannounced plant inspections by RVIA representatives to audit the manufacturer's compliance with the (ANSI) A119.2 Recreation Vehicle Standard standards. Members who fail to maintain an acceptable level of compliance can be expelled from the association, prohibiting display of RVIA seals on their products. CHECK WEIGHT LABELS RV shoppers should look for the vehicle's weight label for important information on the unit's gross and unloaded weight as well as carrying capacity. As another condition of RVIA membership, manufacturers must display a label in a conspicuous location that provides the following data: GVWR (Gross Vehicle Weight Rating) means the maximum weight of the unit. The GVWR is equal to or greater than the sum of the Unloaded Vehicle Weight plus the Net Carrying Capacity.

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RV Dealer
UVW (Unloaded Vehicle Weight) is the weight of the unit as built at the factory. This includes full fuel tanks, full generator fuel tanks, engine oil and coolants. The UVW does not include cargo, fresh water, LP gas or dealer installed accessories. NCC (Net Carrying Capacity) is the maximum weight of all personal belongings, food, fresh water, LP gas, tools, dealer-installed accessories and other items that can be carried by the unit. GCWR (Gross Combination Weight Rating) is the value specified by the motor home manufacturer as the maximum allowable loaded weight of a motorhome with a towed trailer or towed vehicle. CHECK OWNERS MANUAL The vehicle's owners manual also includes weight information as well as other important data such as vehicle weight distribution, how to weigh the vehicle and towing guidelines. CONSIDER THESE FEATURES Seasoned RV watchers know that every model year brings new designs, equipment, surprises and exciting variations on popular old themes. Whatever your RV needs – maxi or mini, luxury or budget –wise, motorized or towable, there's an RV sized and priced right for you. Read buyer's guides, see local dealers, take in an RV show, and you're ready to make an informed choice. Here are some of the popular features to look for: • LCD control panels show at a glance the condition of all "house" systems including battery, propane and tank levels. • Hydraulic leveling makes setting up camp a snap. • No more pilot lights or matches! Electronics light your appliances. • Set one thermostat, and central heat and air cater to your comfort zone. • Bathrooms are bigger, showers more spacious, bathtubs more common. • Closed circuit TV gives you eyes in the back of your head. Back up with confidence. • Look at those huge ‘basements’ and storage areas! • Diesel pushers have become more affordable. • Zoom rooms: push a button and a room expands. • Canny space utilization in wider bodies means spaciousness you have to see to believe. • Telescoping travel trailers and pop-up truck campers are low and lean on the highway, towering and spacious in camp. • Check out cute washer-dryer combinations that hide in a closet. • Furnishings are more fashionable, surfaces more durable and storage more spacious than ever before. • Entertainment electronics galore, from satellite dishes to sound-surround stereos. For a growing number of RV enthusiasts and owners, RVing isn't just an opportunity to enjoy the outdoors and each other, but is a viable option for traveling and staying in touch with technology. Getting away now comes complete with cellular phone, digital beeper, entertainment electronics, fax and modem. RVs are easily equipped to surf the Internet; campgrounds often offer necessary telephone lines and cable TV hookups in addition to the basic water, sewer and electricity.

TOWING OFFERS FLEXIBILITY FOR RV TRAVELERS Towing allows travelers to unhitch their trailer at the campsite and use their van, pickup or car for sightseeing or errands. There are no special licenses required, and with proper attention to the size, height and weight differences when the RV is hitched to the tow vehicle, experienced drivers find it easy.

SELECTING A TOW VEHICLE Matching the right tow vehicle with an RV is easier than ever. Today's market features a large selection of tow vehicles, conversion vehicles, sport utility vehicles (SUVs), light trucks, most full-size and many mid-size cars with sophisticated engineering packages providing greater towing power, superior maneuverability and braking.

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Rentals Available
Nomad 248 Sleeps 4-6 Palomino Pop Up Sleeps 4-6

Something for every budget and every tow vehicle. Trade-ins welcome.



Great for Weekend Getaways Family Reunions, Holidays & Vacations

Open Monday thru Saturday Open Monday Open Monday thru Saturday Open Monday thru Saturday



Family Owned & Operated for 40 years
2708 E Hwy 377 Granbury www.bennettsrv.com 817-279-7500 800-281-1711

Just as you do not make an emergency plan for a fire when the fire occurs, you should not make your choice of health care facility when you are in crisis. The most important criteria when choosing a hospital will come from advance research. Researching your area hospitals will create an informed consumer who can make decisions based on the facility’s best overall care and specialized services to fit their needs. There are several avenues one can take to find a hospital that meets their particular needs. The first avenue would be to research each hospital’s accreditation. Accreditation is linked directly to quality of patient care, quality of facility, and quality of staff and physicians. The primary accreditation service is the Joint Commission on Accreditation of Healthcare Organizations. JCAHO is a not-for-profit, independent organization founded in 1951 that reviews safety and quality of the nation’s health care facilities through a voluntary but rigorous accreditation process. This process is ongoing to ensure that the hospital is staying in compliance with ever changing regulations. There are more than 18,000 hospitals accredited by JCAHO each year and information about the Joint Commission or the accredited hospitals can be found on their website at JCAHO.org. For further research into a particular facility one may try some other independent rating rganizations like Solutient’s “Top 100 hospitals.” These independent organizations rate the standards for different hospitals by category: major teaching, large community, medium community, and small community. These studies will give information in relation to the size of community in which you live in and what type of technological advances and studies are available. Does the facility have a staff dedicated to standards of quality? A Dedicated Quality Department will ensure that every employee in each department is implementing and insuring rigorous guidelines and protocol. This ensures that the

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Hospital
ing at all points throughout the length of the hospital stay. This person should ensure all medical, financial, and miscellaneous needs are met. The last phase of customer service from a particular facility should be the post-patient care. What kind of service will the patient receive during the recovery time? The most important thing to remember is to be educated and make an informed decision about the facilities in the area and which facility fits your needs. VISIT THE HOSPITAL BEFORE YOU NEED IT Visiting a hospital is an important step in making an informed decision about future treatment for you or your family. At the initial visit with a physician or customer service representative, always ask specific questions. This will help in the flow of information and also may trigger any other concerns you may have about a facility. Look at the core values and philosophies of the hospital, read their mission statement and check to see if they can deliver what they promise. Look around and make note of how the staff interacts with each other and their patients. Do they exude the compassion, professionalism and care that you would hope to receive? If you do your homework now, you and your family will make decisions that maximize your experience in a hospital when the need arises.

hospital exceeds quality standards resulting in optimal care for each patient. WHO WILL HELP ME AT THE HOSPITAL? After researching various websites, call the customer service center at the hospital. Ask the customer service representative if they are accredited by JCAHO and what is their customer satisfaction rating. Also, ask about the facility’s safety records and methodologies. The customer service center will also be a good directional source for information on financial aid and patient’s rights and responsibilities. The next level of customer service should be during the patient’s stay at the hospital. The facility should offer a service coordinator or someone who will explain to the patient and family what is happen-

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5 THINGS YOU SHOULD KNOW: ■ Is the hospital accredited by the Joint Commission on Accreditation of Healthcare Organizations (JCAHO)? ■ Do they have a Dedicated Quality Department? ■ What are their customer satisfaction indicators or scores? ■ What is the experience, training and certification of the physicians and staff? ■ What are the core values that guide the hospital and its employees?

"Our Family Taking Care of Your Family"
Anesthesiologist Dr. Kelly Matlock Cardiology Dr. Jay Puppala Emergency Medicine Dr. Robert Allensworth Dr. Michael L. Bailey Dr. Robert Campbell Dr. John Jones Dr. Ty Gore Dr. Sat Gupta Dr. Patrick Hisel Dr. Kevin Jones Dr. Alice Ramsey Family Practice Hospitalist Dr. Earl Clement Dr. Robin Knight Dr. George Thomas Neurology Dr. Daalon B. Echols Nurse Practitioners Vicki Brooks Sharla Carver Carla Hay-Perdue Coleen Hendrix Susan Potter OB/GYN Dr. Glena Davis Dr. Richard Hoefelmann Dr. Tim Tarkenton Ophthalmologist Dr. Neil Bealka Orthopedics Dr. Eric Brock Dr. Buck Rose Oncology Dr. Gregory Friess Pain Management Dr. Ved Aggarwal Dr. R. Herrara Dr. K. Mitchell Pediatrics Dr. Anantha Bhandari Dr. Tom Tarkenton Podiatry Dr. John Lockyer Dr. Wm Warren Radiology Dr. Nanette Evans Dr. Chuck Myers Dr. Deshmukh Urology

Gastroenterology Dr. S.R. Boya General Surgery Dr. Ralph "Trey" Brookshire

Vascular/Thoracic Dr. Ralph "Trey" Brookshire Dr. J.P. Reddy

400 S.W. 25th Ave • Mineral Wells, TX 76067 • (940) 325-7891 • (800) 442-2811 • www.ppgh.com

Palo Pinto General Hospital

hether it’s s o a k i n g in the history and culture of Europe, bathing in the sun of a tropical beach or hiking through Rocky Mountain terrain, vacations are often life’s highlights. They offer an escape from the day to day grind, give us a chance to breathe deeply and provide a brief haven from responsibility. Planning them, however, can be a chore. There’s a lot to think about, research and, of course, pay for. That’s why a travel agent can often be worth more than their weight in gold. With today’s online travel resources, the potential benefits of a traditional travel agent are often lost on the at-home shopper. Although personal shopping for online travel arrangements has its pros, it also has its cons. There’s a lot to be said for the connections and insights of a travel agent, but choosing the right one for you is key. FINDING AN AGENT First ask friends and family for any recommendations. Then think about where you want to go. Is there an agent or agency which specializes in similar destinations? What amenities are you looking for? What connections might they have specific to your plans? Are you planning a family vacation? A romantic trip for two? Or are you traveling on a budget? Be direct. Don’t be afraid to ask detailed questions. Be sure to ask, “What can you do for me that other agencies can’t or won’t?” The answer might surprise you.

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Travel Agent

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smoothly; of your expectations. They will interview you and per•Be easily accessible throughout your trip to haps ask you more questions than you ask them. A resolve any mishaps or confusion bad agent will simply be ‘selling at you’ without pause to think about who you are and what your needs and QUALIFICATIONS interests are.” Is the agency an ARC (Airline Reporting Corp.) A good agent will be easy to contact and readily appointed agency and a member of IATAN, International return your calls. She will spend as much time with you Airline Travel Agent Network? This means the travel as you need and offer sensible answers to your quesagency has to adhere to strict standards and ethics. tions. Their time, effort and expertise are valuable. This would also indicate that the travel agency can book with virtually any travel provider and is therefore PERSONALITY able to effectively shop for the consumer to obtain the You should also consider simple attraction. Do you best rates available. like the agent? If you’re going to spend time with this Ask how long the travel agency has been in busi- person planning your dream vacation, you want to ness. Stability is a good indicator of quality service and enjoy it. You want to be relaxed and at ease. You must professionalism. trust them to really take your wish list to heart. You Ask the agency for references. Get a list of both want to feel comfortable with them. current clients and sales managers from some of their For more information visit the First Travel Web site suppliers. A supplier will give another side to the at: www.awesometravelbabes.com. agency’s professionalism.

KNOWLEDGE AND EDUCATION You also want to get the specifics of an agent’s education. What kind of training and knowledge does he have? Where has he traveled? What insights does he have from personal experience? Many resorts offer trips to travel agents, so they can be familiar with the area and available amenities. If you are traveling to another country, call the country’s U.S. tourist office to get a recommendation. Look for an agency that has agents that specialize in certain areas. According to Debbie Pennington of First Travel, “I have an agent who has been to Disney at least 20 times and has graduated from the Disney RECOGNIZING A GOOD TRAVEL AGENT College of Knowledge, so she knows all of the ins and A good travel agent will take time to learn your outs of the family vacation.” Travel agencies that have travel needs. She will ask about your preferences, travel specialists have more options available because tastes, budget and personal limitations such as medi- they deal with exclusive itineraries. They are more cal needs or phobias. According to the Better Business familiar with specific excursions – whether it be senior Bureau, a good agent will: tours, cruises, group trips or others. •Have access to a vast number of packages and options for you to choose from; CUSTOMER SERVICE •Compare services to give you the most satisfacIt helps to find a local agent, someone you can tion and best price; visit with in person. Talking face to face can give you a •Know the newest developments and offers in the better idea of their dedication to customizing a trip just travel industry; for you. •Know the details of attractions and According to the Travel Insider, “a good agent will local customs of popular destinations; always be focused on you, not just on the travel they •Offer tips to keep your trip running are selling you. They will describe everything in terms

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MAYBE IT’S TIME YOU VISITED THE CARIBBEAN ISLANDS. THEY’VE BEEN ASKING ABOUT YOU.

And now is the best time to go because Carnival has a variety of fun-filled 3 to 8 day itineraries to the sunny Caribbean. We sail from 12 U.S. ports, so there’s bound to be one sailing from a port near you. And with insanely affordable prices, the Caribbean isn’t just calling you, it’s practically begging.

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599.00*

2801 Hwy 180 E • Mineral Wells TX 76067 940-325-4418 / 800-940-1045 [email protected]
*Cruise rates are category 1A, per guest, based on double occupancy, capacity controlled and cruise only. Government taxes and fees ($20–$170) are additional per guest. Rates available on select sailings only. Restrictions apply. See carnival.com for details. © 2009 Carnival Cruise Lines. All rights reserved. Ships’ Registry: The Bahamas and Panama.

First Travel First Travel

It is vital for •Nursing home employees, especially nursease the emotional stress when seeking a nursyour family ing assistants, who give 90 per cent of the ing home. If you are helping a relative or a member that you care. friend find a nursing home, involve them in the spend a considerable process as much as possible. amount of time researchASK A LOT OF QUESTIONS If the person is mentally alert, it is essential ing the nursing home before you ABOUT ANY NURSING HOME YOU’RE that their wishes be considered every step of send them to the home. It is much easier to INTERESTED IN. the way. pick a good home in the beginning than it is to Examples: By planning ahead and educating yourself choose a poor home and have to go through • Do people you talk to regard this as a good and your family about nursing home care and the many obstacles to improve the care or try nursing home? services, it will become a much easier transition to transfer • Has the state licensing when you can no longer put off admitting someyour family agency found an unusual one to a nursing home. It will also put the future member to number of violations here? resident’s mind at ease to know what to expect n selecting a nursing home make • Does the home have another faciliin the admission process and the first few days ty. enough staff, especially nurs- in their new home. personal visits. It is imporing assistants, to give resi • Visit rooms where various therapies and tant not to judge the nursing home on the basis dents the care and personal attention they recreational programs are held. of a guided tour or the nice furniture and wallneed? • Observe the dining area, beauty salon and paper in the lobby. You must remember that, • Are staff friendly, considerate, and helpful? the schedules for each. especially in a for-profit nursing home, they put • Are residents treated with dignity and • Inquire about security measures, especially a lot of effort in marketing to convince you to respect? for residents who have a tendency to wander. bring your family member to their home. The • Are there a lot of staff changes because • Ask about facility policies regarding use or pictures of happy grandmas in their brochures, workers leave? installation of telenice dining rooms and landscaped entrances • Do staff do their phones, cable teledo not give you an idea of the quality of the jobs well? o not choose a nursing home on the vision and bringing basic care that your family member will receive. • Does the nursing basis of a guided tour or nice furniture personal items into There are many ways to go about selecting a home provide the the facility. nursing home that will be right for you. Besides special services your • Observe how the and wallpaper in the lobby. researching state inspection reports, getting loved one needs? staff meets with you word of mouth recommendations and looking at • Are there always enough linens and other and how they interact with other residents durpromotional literature; nothing is more valuable supplies? ing your visit. (Are they respectful, caring, and than the insight you gain from making personal • Are families concerned about fee increases attentive?) visits. Visit more than one nursing home, and or extra charges for supplies or services? • Observe if the residents are occupied, visit more than once. Ask a lot of questions, • Is the “quality of life” good-such things as supervised, satisfied, well groomed and if the and trust your feelings about the choices of food at meals and which clothes to rooms are personalized. places you visit. wear, a home • Is the facility free of overwhelming unpleas Find out as much as like environant odors? you can about each nursment, and inter- • Is the home clean and well-maintained? ing home. A good way to esting or enter- • Do chairs and other furniture seem sturdy, do this is to talk to: taining activiattractive and comfortable? • The long-term care ties? • Is the facility well lighted? ombudsman, who visits • Does the • Taste the food, is it good? nursing homes and investigates complaints. nursing home have an active resident council? • Are the residents who need help eating • Doctors, nurses, hospital social workers, An active family council? receiving assistance? clergy, and other professionals who are familiar • Are there some really good things about • Are there hand rails in hallways and grab with nursing homes. this facility? bars in bathrooms? • Family members and friends of people who • Is the temperature comfortable? live in the nursing homes. PLANNING • Do patients’ rooms have windows? •Residents of the nursing homes. Planning ahead is one of the best ways to

Howo t oose ch

a

Nursing Home

I

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nursing home you’re interested in.

Ask a lot of questions about any

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Palo Pinto nursing center
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• Medicare/Medicaid Certified Care Provider • Skilled Nursing Care • Physical, Occupational, . Speech, Therapies • IV Therapy • Specialized Wound Care • Hospice Care • 24 hour / 7 day admissions

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or successF ful dental care it is important to have a family dentist who takes a sincere interest in the patient’s general health. It makes sense to select and become acquainted with a dentist before a dental emergency arises. If you are a subscriber to one of the newer dental benefit modalities such as dental HOMs and capitation plans, you will be limited in the number of dentist from which to choose in any given area. Nonetheless, the following can still provide useful guidelines in the selection process. State Board-licensed dentists in general practice are fully qualified to provide nearly all aspects of dental care. They can also provide referrals in cases where specialized treatment is required. Specialty areas in dentistry include the following: ENDODONTICS (ROOT CANAL THERAPY) Oral surgery/Oral Pathology (the identification and removal of teeth or tissues from the oral cavity Orthodontics (braces and the repositioning of teeth) Pedodontics (care exclusively for children and teens) Periodontics (care of gums and supporting tissues) Prosthodontics (dentists specially trained for full mouth rehabilitation Before selecting a family dentist, you may want to consider several different dentists. Here are some of the ways you can locate qualified dentists in your area: • Call or write the dental society. • Speak to your family physician or local pharmacist. • Ask friends, neighbors, co-workers, clergy, etc. to recommend a dentist. • Speak to faculty members at dental schools in your area. • Check the ADA Directory, which can be found in many public libraries and in all dental school libraries. • Log on to the AGDI (Academy of General Dentistry) directory at www.knowyourteeth.com The past many years has seen the rise of advertising for dental services. Some of these advertising programs can be useful in the selection process. For example, even though many dental referral services are directly subsidized by the participating dentists, the consumer can obtain a large amount of information about the individual dentists on the service. Other modalities, such as Yellow Pages, local newspapers, radio, television, and direct mail ads can be of some help. fter completing your search, call a A dentist for an appointment. At your first visit, you should be able to learn a lot

Howo t ose cho

a

Dentist
about whether the dentist is right for you and your family. Keep in mind the following questions: • What is the general appearance of the office, the dentist and the staff: Is everything neat, clean and orderly? Keep in mind that dental office must abide by current OSHA (Occupational safety and health Administration) guidelines for sterilization and disinfection. • How available is the dentist? Is the appointment schedule convenient for you? Is the office easy to get to from your home or place of business? • Does the office provide dental health instruction and education? You will want a dentist who is skilled both in the treatment and prevention of dental disorders. • Does the dentist seem genuinely interested in your health? Your medical and dental history should be recorded and placed in a permanent file to assist in the evaluation of your future dental health needs. • What arrangements does the dentist have for handling emergencies that occur outside of office hours? Does the dentist have an answering service or paging service? You will find that most dentists arrange for a colleague or referral source to aid their patients when they themselves will be unavailable. • Don’t be embarrassed to ask the dentist about fees. The dentist and his/her staff should be willing to discuss fees and/or financial arrangements in advance of treatment. By spending the small amount of time necessary to make an intelligent choice of a dentist, you will help create a doctor/patient relationship founded on mutual trust and respect. REDUCTING YOUR DENTAL BILLS: PREVENTION The key to reducing dental costs is prevention. There is a lot that you can do to avoid serious dental problems. Regular dental checkups are an essential part of any prevention program. if you see your dentist regularly, any dental problems you have can be treated in their early stages. If you see a dentist only in emergency situations, when you already have a serious problem, treatment may be much more costly. In the long run, nothing is more economical than the regular dental checkup. Periodically, your dentist may ask you to have an X-ray examination. X-rays help dentist find hidden conditions that can threaten your oral or general health. Treating these conditions at an early stage often prevents more serious damage and the need for more expensive treatment later. The ADA recommends that dentists take X-rays only after consideration of their patient’s individual needs. Your dentist will request that you have an X-ray examination only when it will benefit you.

36

You may have heard or read statements that question the safety of dental X-ray examinations. There is little reason for you to be concerned about safety when modern techniques are used. X-ray examinations are a necessary part of complete, comprehensive dental care. Preventative techniques, such as topical fluoride applications and put and fissure sealants, have reduced many dental problems. But these techniques cannot save your teeth and reduce your dental costs unless you and your family share the responsibility for your own oral health. Brushing and flossing the teeth thoroughly at least once a day is necessary to remove plaque. Plaque is the thin film of bacteria that forms on everyone’s teeth and causes tooth decay and periodontal (gum) disease. Using a fluoride mouth rinse and dentifrice (toothpaste or gel) accepted by the ADA’s council on Dental Therapeutics helps make teeth stronger and more resistant to decay. Eating nutritious meals and limiting the number of snacks you eat is also important for maintaining your oral health. THE USE OF FLUORIDE Millions of people now drink water that contains the right amount of fluoride for good dental health. Fluoridations of a community’s water supply can give residents of that community better dental health for a very small annual cost. Because fluoride is incorporated into the enamel as the tooth is being formed, it is of special benefit to children. Children who drink fluoridated water from birth have from 50 to 65 percent fewer cavities. When they are teenagers, 20 percent of them will still be cavityfree. Even as adults, they will continue to have improved dental health, for the benefits of fluoride are lifelong. Besides drinking fluoridated water, your family can get the protection of fluoride in other ways. Fluoride toothpastes and mouth rinses can be used at home. (Those with the seal of the ADA’s Council on Dental Therapeutics have been proven effective.) Fluoride mouth rinses can also be used as part of a school mouth rinse program. Fluoride solutions or gels may be applied to your teeth by your dentist or dental hygienist. Fluoride may be added to the school water supply if the local water supply is not fluoridated or if there is no central water supply Chewable fluoride tablets may be subscribed for your children if the water supply in your community is not fluoridated. Fluoride is inexpensive, safe and effective. Every major American health organization supports the use of fluoride. Ask your dentist how your family can best obtain the benefits of fluoride.

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Howo t oose ch
WHY NEWSPAPERS? Targeting customers in a media-fragmented marketplace is a continual challenge for many advertisers. The abundance of advertising sources has overwhelmed and divided consumer attention. This means media planners and buyers need the right tools to help them decide on the best allocation of advertising dollars. As advertisers strive for an effective media mix, they should know there is one medium that can deliver strength to advertising and marketing strategies. The newspaper continues to be a powerful medium for reaching shoppers in the market for a broad range of products and services. It is a portable and convenient source of advertising information — helping consumers decide where to shop and what to buy. The newspaper delivers customers unlike any other medium each and every day, reaching an array of traditional and emerging markets with unsurpassed advertising impact. Universal coverage, utility and power are the driving forces behind newspapers. And that is why they add value for advertisers! Newspapers offer advertisers alternatives to reach customers — new and potential — with effective messages for long-term awareness or immediate callto-action responses. Whether it’s a preprint insert or run-of-paper (ROP) advertising adjacent to select editorial content, newspapers deliver the right message to the right people at the right time. If we combine frequency measures for ROP and newspaper pre-prints, we have 90 percent of adults who use one or the other or in combination — a powerful pairing.

a

Newspaper
advertisers the flexibility and control of creating and printing advertising that the newspaper distributes. Commercial Printing: Newspapers offer customers who need major printing the opportunity and cost efficiency of using their presses to print catalogs, inserts and other commercial print needs. NICHE PRODUCTS/ SPECIAL SECTIONS: Newspapers offer a myriad of opportunities where a special marketplace is created to help in targeting an advertiser’s best prospects. These products may be inserted into the newspaper or may be distributed in other ways needed to best attract the niche audience. HIGHLIGHTS The compelling facts below underscore the strength of newspapers: • The majority of adults (54 percent) read a newspaper on an average weekday. • More than six out of 10 adults (64 percent) read a newspaper on an average Sunday. • More than seven out of 10 adults (73 percent) read a daily newspaper in the past five days. • More than three-quarters of adults (77 percent) read a Sunday newspaper in the past month. • Newspaper usage is strong among emerging markets — teens and Hispanics. • Customers for many products and services are also the heaviest newspaper readers. • The newspaper provides advertisers with unique targeting opportunities. • The newspaper is the most-used advertising source for various store categories. • Newspaper Web sites are highly rated for being useful and informative. SOURCE: National Newspaper Association

OPPORTUNITIES IN NEWSPAPERS ROP: Run of Press advertising means an ad placed on the pages of a newspaper. This best-known newspaper advertising option offers short deadlines and proximity of editorial that enhances visibility. Pre-prints: Preprinted inserts offer

Top 10 Reasons to Advertise in a Newspaper
Newspapers reach the majority of adults daily and on Sundays.

People with higher education are more likely to read newspapers.

People in higher responsibility professional positions read newspapers more frequently than the average person. Newspaper advertising can be targeted by section and reader. Newspaper advertising can target specific geographic locations. You can select advertising alternatives from preprint inserts to full or partial page ads.
With short deadlines, newspaper advertising can be tailored for immediacy.

Newspapers are portable and convenient.

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Newspaper advertising builds business credibility and momentum.











▲ ▲

Higher-income-earning adults are more avid newspaper readers.

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