a special section of

The Lebanon Democrat

and Mt. Juliet News
 choose Assisted Living
Assisted Living
Questions and Answers
What is assisted living?
Assisted living communities combine housing and personal-
ized care designed to meet the particular needs of residents
who may require some help with daily activities. Different
communities may vary in the exact services they offer, but
all should provide a supportive, residential setting in which
assistance can be offered. This assistance is most beneficial
to those who are unable to continue to live alone (or who
desire not to), but who do not need the 24-hour medical care
and supervision of a nursing home. Support is provided for
all residents based on their own needs, while helping them
maintain their level of independence and privacy. Generally,
assisted living centers provide three meals each day (served
in a common dining room), scheduled transportation, house-
keeping services, 24-hour on-duty staff, emergency call
systems, health and exercise programs, medication manage-
ment, laundry, social/recreational activities and assistance
with bathing, eating, grooming and dressing.
The Assisted Living Quality Standard set forth by the As-
sisted Living Federation of America states that an assisted
living facility should exhibit the following:
Offer cost-effective quality care.
Foster independence for each resident.
Treat each individual with dignity and respect.
Allow for choices in care and lifestyle.
Promote individuality.
Protect each resident’s right to privacy.
Nurture the resident’s spirit.
Involve families and friends in care planning.
Provide a safe environment
Make the assisted living residence a valuable community.
Is assisted living appropriate for you?
You will have many important decisions to make, and
none should be taken lightly. This is a time to reflect on
your needs.
Here are several questions that you can ask yourself. If you
answer yes to most of these, an assisted living program
might be of benefit to you in numerous ways.
Has forgetfulness become a problem?
Have you required emergency help?
Do you need help to move around your house?
Is your house difficult to maintain?
Are your present housing expenses excessive for what the residents who are living there seem happy? Allow the
you need?
Do you forget to take medications?
Do you need assistance with grooming?
Do you miss meals because it is too much trouble to you will naturally have a lot of questions. Many will be an-
cook?
Do you participate in fewer activities?
Have your family and friends moved away?
Are you becoming more worried about your well-being easy to get to?
and safety?
Do you miss companionship?
2 • Lebanon Publishing How to Guide 2015
Do you find yourself alone most of the time and not
enjoying it?
Will assisted living fit your needs?
When you find that you are not able or no longer desire
to live alone, but neither independent living nor a nursing
home meet your needs, then assisted living may be an ap-
propriate choice. Assisted living residences provide benefits
not only to the resident but also to the family members in-
volved in the care. Many lives are affected by seniors who
need assistance, including children, grandchildren and other
family members and friends. When the choice is made to
move to an assisted living residence, many of the day-to-day
needs can be met by professionals, creating peace of mind
within the family circle.
How do you make the decision?
When making this decision, it is important that you try to
make the most rational decision possible. This can be diffi-
cult when emotions are running high. Moving to an assisted
living residence does not mean the end of freedom. It means
freedom to live more independently. You will no longer need
to worry about the responsibilities of your home or be de-
pendent on your friends and family. It might be helpful to sit
down and write out a list of the advantages an assisted living
residence can offer. Things you might write down include:
No home maintenance
Safety and security in a home-like setting
Nutritious, delicious meals prepared daily for you, with
no cooking or clean up afterwards
Making new friends
Social and recreational activities
Help that is always available, for whatever reason
How do you find the right assisted
living community?
Finding the right assisted living residence can be a chal-
lenge. You want to find a place where you will be happy,
one in which you have confidence and one that can meet
your needs. You want to know it will take good care of you,
support your independence and your quality of life. It has
been shown that the majority of older adults are happy with
an assisted living arrangement. There are many ways you
can learn about an assisted living residence, but the best way
is to actually visit the residence. Assisted living residences
have many similar qualities, but just as each person is differ-
ent, so is each residence. When you visit your options, trust
your instinct. How do you feel about the surroundings? Do
director to show you around and answer any questions you
might have. Find out if the residence is licensed, and ask
about emergencies and safety. As a visitor to the residence,
swered by the director. Some are more observational ques-
tions you can answer yourself. For example:
Is the residence convenient to your family’s home and move is not just a physical one. Give yourself time to adjust
Are the surroundings attractive?
Is the food tasty and served well?
Are the hallways and rooms well lit?
Do staff members show an interest in the residents?
Is it too noisy or too quiet?
Does the residence have a home-like atmosphere?
Does it feel secure and safe?
Do you think you would enjoy living in a place like this?
What are the costs of assisted living?
When compared with other forms of care, an assisted living
residence might seem expensive, but when you look closer
at what the cost includes, the price is quite reasonable. With
assisted living, you receive a private apartment in which to
live, three meals a day, 24-hour assistance, safety and se-
curity, plus new friends, activities and social events, most
utilities, transportation and more. The cost of these features
combined may add up to more than the cost of living in-
dependently now. However, many people believe that the
peace of mind in being cared for is worth the monthly cost
alone. When talking to the residence’s director, ask to have
the pricing explained. Find out if the monthly charge is all-
inclusive or if there are additional fees for other services
and amenities. Many residences offer different suite sizes
and different levels of care. The director will explain all of
your options to find one that best fits your needs. Before you
make a final decision, it is very important that you check
the credibility of the owner, management and the residence.
It is important that you know everything there is to know
about the people with whom you will be sharing your life.
Remember that many residences operate at full capacity, so
you might be put on a waiting list. You might wish to put
down a deposit on your final choice, to assure your place on
the list. It is in your best interest to have a reservation when
the decision to move is made.
After you make your choice,
what’s next?
Before moving in When the time comes for you to move,
the assisted living residence will ask you to take a full medi-
cal examination and have your physician complete an in-
formation sheet. The information provided will assure that
the assisted living residence understands fully your current
health, stamina and ability, letting the staff know how best
to assist you once you arrive. Most assisted living residents
must be able to move from place to place on their own or by
using a supportive device, such as a cane or walker. They
must also be capable of responding to emergency situations
that might arise.
Moving In This will be the biggest and most important
step in the entire process. The hardest part will be to decide
which of your own belongings — the many treasures you
have collected over the years — to take with you. It is often
best to look at the room plan and then pencil in where you
think certain pieces of furniture would go. This will help a
great deal in the transition to your new home. Making this
and become familiar with your new surroundings. Recog-
nize that this is a major life change. This change can be ex-
citing and will enhance your quality of life.
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Lebanon Publishing How to Guide 2015 • 3

 How to CHOOSE A REALTOR
The sale or purchase of your home should involve a profes- •Shows some enthusiasm for your property, listens atten-
WHAT YOU sional. tively, instills confidence, operates in a professional man-
ner, and has a complementary personality style to yours.
WHO IS A REALTOR?
SHOULD KNOW The terms agent, broker, and realtor are often used inter-
•Has researched your property in the public records and
the MLS.
changeably, but have very different meanings. For example, •Brings date on nearby homes that have sold (or failed to
not all agents (also called salespersons) or brokers are realtors. sell) recently.
Look for an agent The following are important questions to ask a potential
▲

Learn who is a realtor and the reasons why you should use
who is a member one. As a prerequisite to selling real estate, a person must be
licensed by the state in which they work, either as an
of the local board
agent/salesperson, or as a broker. Before a license is used,
or association of minimum standards for education, examinations and experi-
ence, which are determined on a state by state basis, must be
realtors.
met.
After receiving a real estate license, most agents go on to
An agent should
▲
agent:
•Are you a realtor?
• Do you have an active real estate license in good stand-
ing? To find this information, you can check with your
state’s governing agency.
Do you belong to the MLS and/or a reliable online home
buyer’s search service? Multiple listing services are coop-
erative information networks of realtors that provide

join their local board or association of realtors and the

explain and dis- National Association of Realtors, the world’s largest profes-
sional trade association. They can then call themselves real-
close their role tors. The term realtor is a registered collective members mark
and who they that identifies a real estate agent professional who is a mem-
ber of the National Association of Realtors and subscribes to
represent. its strict Code of Ethics (which in many cases goes beyond
state law).
It is the realtor who shares information on the homes they
The agent should
▲
descriptions of most of the houses for sale in a particular
region. If there’s on MLS, how often do you cooperate with
other local brokers on a sale?
•What have you listed or sold in this neighborhood lately?
•Do you cooperate with buyer’s brokers?
•What share of the commission will you offer a cooper-
ating broker who finds the buyer? And in addition to the
criteria mentioned above, there are a number of very
important reasons you will typically prefer to work with a

are marketing, through a multiple listing service (MLS).

realtor. Among them is the fact that they adhere to the
advise you on Working with a realtor who belongs to a MLA will give you
NAR’s highest standards of ethical conduct and profes-
access to the greatest number of homes.
how to prepare sional training.
your home for HOW TO EVALUATE AN AGENT WHAT A REALTOR WILL DO FOR YOU
the market. Without any obligation, you can invite local realtors to visit
Some of the duties your realtors will perform for you
your home and give you a “listing presentation” about why
they’re the best ones to market if for you. Two to three presen- include:
tations will probably give you a good opportunity for choice. •Walk through the process of selling your home from begin-
Be sure the pro- ning to end.
▲

A listing presentation includes having the realtors review with

fessional shows you the reasons why you should list with that particular indi-
vidual, and providing you with information that will assist you
enthusiasm, lis- in making initial decisions about selling your home. Recent
tens well, instills laws in every state have defined the duties of someone specif-
ically retained as a real estate agent. Most states require a real
confidence and estate agent to explain his or her role at the outset of any con-
has a personality versation. A professional agent will promptly provide this such
as a disclosure.
that is comple-
mentary to your Look for an agent who:
own. •Is a member of the local board or association of real-
tors.
•Explains and discloses agency relationships (the role of
the agent, i.e. who they are representing-the buyer or the
seller) early on in the process at “serious first contact.”
•Advises you on how to prepare your home for the mar-
ket.
•Provide comparable information about the prices for which
other properties have sold and analyzing data for you to gain a
true comparison.
•Supply information regarding local customs and regula-
tions you may want to consider.
•Share information about your home through the Multiple
Listing Service and on the internet.
•Place advertisements for your home.
•Field phone calls.
•”Qualify” potential buyers to make sure they would be
financially able to buy your property.
•Negotiate the sales contract.
•Alert you to potential risks.
•Comply with the disclosures required by law.
•Provide you with an estimate of the closing costs you will
incur.
•Help you prepare for a smooth closing of the transaction.

4 • Lebanon Publishing How to Guide 2015

 5 Acres Gated community

Old
One mile from Hickory
boat dock! Lake!

Lebanon Publishing How to Guide 2015 • 5

 CHOOSE YOUR BANK
Banking’s not the same as it was
THINGS TO 20, 10 or even 5 years ago, and your
CONSIDER bank’s offerings should reflect that.
WHEN But wouldn’t you also be more com-
fortable using an institution that gives
CHOOSING you great personal service when you
A BANK: need it, from a staff you trust? Is it
even possible to find a balance be-
tween the two, a bank that provides
Trust peace of mind and still meets all the
needs of a busy lifestyle?
Compassion
By providing both compassion and
Convenience convenience, Wilson Bank & Trust is
working hard every day to make sure
Products you don’t have to choose between
Services handy financial options and attention
to your personal needs and goals. By
Stability expanding and growing but remain-
ing an independent community bank,
Values WB&T represents a rare combination
of big-time banking options, tremen-
dous stability and hometown charm.
Thanks to a 27-year track record in
dependability, giving back and keep-
ing up with new capabilities, Wilson
Bank is uniquely positioned to fulfill
the criteria you’re likely to consider in
selecting your bank of choice.
Convenience
It may go without saying, but if a
bank doesn’t adequately support all
the types of banking you like to use
– whether it’s mobile, online or in per-
son – then it may not be worth con-
sidering. At WB&T, limiting your op-
tions is not an option. We take pride in
helping you conduct business on your
own terms by providing every elec-
tronic banking tool you might find use-
ful, so you can do your banking from
anywhere – including making deposits
with your smart phone, or paying bills
6 • Lebanon Publishing How to Guide 2015
online. And if you prefer a personal
visit, you’re never far away from an
office or an ATM in Wilson County.
You can expect to be treated well by a
friendly, local employee anytime you
call or stop by one of 26 Wilson Bank
& Trust branches throughout Middle
Tennessee.
Products & Services
Believe it or not, not all banks have
exactly the same selection of ac-
counts, and some providers offer fi-
nancial services above and beyond
your everyday banking products.
When it comes to checking accounts,
your choice doesn’t have to be driven
by the lowest monthly fees, maintain-
ing a certain account balance to avoid
penalties, or the fear of hidden charges
on your statement. At WB&T, Kasasa
is a suite of free checking options that
provide easy-to-earn monthly rewards
you can really use, like a high interest
rate or cash back on your check card
purchases, plus options for automatic
saving. And at all the same Wilson
Bank & Trust locations where you can
find Kasasa, you can also check out
mortgage refinancing rates, look into
investments or insurance, and even get
identity protection; it’s all under one
roof. And don’t forget about the ex-
tras – at WB&T, those include a free
personal financial management tool
called MoneyDesktop.
Stability
Good decisions by a bank’s leadership
are a key to longevity, and consistency
in that respect has kept WB&T sound
and secure since the bank was estab-
lished in 1987. Remaining indepen-
dent has always allowed the bank to
make those decisions with the local
market in mind, and its executives who
are present and accessible. While it’s
common for a community bank with
sustained success to be snatched up by
a larger organization, Wilson Bank &
Trust is committed to remaining an in-
dependent bank – a rarity for an insti-
tution with its size and resources.
Values
Being an integral part of the commu-
nity is simply part of Wilson Bank’s
identity. Staying involved and giv-
ing back gives the bank a reputation
for going above and beyond. Every
year, WB&T commits a great deal of
time and resources to its communities
and neighbors through bank-hosted
events; special programs for students
and senior adults; and numerous spon-
sorships and donations – not to men-
tion employees who have a spirit for
helping and volunteering themselves.
If your idea of the right bank is an
institution that’s convenient, strong
and community-minded, with an eye
toward the future and a selection of
products just right for your lifestyle,
you’re sure to find the ideal home for
all your financial services at Wilson
Bank & Trust.
444-BANK
 Full service banking in each of
our neighborhood offices.
Now with 26 locations to serve you all
SUMNER committed to maintaining a
Gallatin TROUSDALE
Hartsville
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Hendersonville
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Baddour Av. N.
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Main
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Blvd.
Donelson Mt. Juliet Center Cookeville
Super Banking
McKendree Providence Leeville Gordonsville

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PUTNAM
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 Checking  Personal, Business and

 Savings Construction Loans
 Investments  Fixed Rate Home
Mortgages
 Insurance*

Committed to Community Banking since 1987

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Member FDIC

*Not FDIC insured • Not guaranteed by bank • May lose value

Lebanon Publishing How to Guide 2015 • 7

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8 • Lebanon Publishing How to Guide 2015

Lebanon Publishing How to Guide 2015 • 9
10 • Lebanon Publishing How to Guide 2015
 Stay Informed with
Wilson County News

The Lebanon Democrat or Mt. Juliet News

To order, just call us (615)444-3952, or return the form below by mail or to our office
with payment or payment information to
The Lebanon Democrat, 402 N. Cumberland St., Lebanon, TN 37087
or you can email your information to
krollins@lebanondemocrat.com

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Lebanon Publishing How to Guide 2015 • 11

 8 tips for
1. Study up — Find out about license and insur-
ance requirements for contractors in your state.
And before you call a contractor, know the mod-
el of your current system and its maintenance
history. Also make note of any uncomfortable
rooms. This will help potential contractors better
understand your heating needs.
Hiring a Heating and
Cooling Contractor
4. Find special offers — A heating and cool-
ing system is one of the largest purchases you’ll
make as a homeowner. Keep your costs down by
checking around for available rebates on energy-
efficient ENERGY STAR qualified heating and
cooling equipment. Begin your search at www.
energystar.gov.
A bigger system isn’t always better; a contractor
should size the heating and cooling system based
on the size of your house, level of insulation, and
windows. A good contractor will inspect your
duct system (if applicable) for air leaks and insu-
lation and measure airflow to make sure it meets
manufacturers specifications.

2. Ask for referrals — Ask friends, neighbors,
and co-workers for contractor referrals. You can
also contact local trade organizations for names
of members in your area.
3. Call references — Ask contractors for cus-
tomer references and call them. Ask about the
contractor’s installation or service performance,
and if the job was completed on time and within
budget.
5. Look for ENERGY STAR — ENERGY
STAR qualified products meet strict energy effi-
ciency guidelines set by the U.S. Environmental
Protection Agency and offer significant long-
term energy savings. Contractors should be able
to show you calculations of savings for ENER-
GY STAR heating and cooling equipment.
6. Expect a home evaluation — The contrac-
tor should spend significant time inspecting your
current system and home to assess your needs.
7. Get written, itemized estimates — When
comparing contractors’ proposals (bids), be sure
to compare cost, energy efficiency and warran-
ties. A lowest price may not be the best deal if it’s
not the most efficient because your energy costs
will be higher.
8. Get it in ink — Sign a written proposal with a
contractor before work gets started. It’ll protect
you by specifying project costs, model numbers,
job schedule and warranty information.

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www.bradleylankford.com

12 • Lebanon Publishing How to Guide 2015

How to Choose a Gym
If you need more exercise but find yourself
putting it off or resisting it, then a good health
club might be the answer. Finding a good one
is fairly simple once you know what to look
for. If you have never been to a gym before
then it is quite possible you aren’t sure how
to tell a good gym from one that may not suit
you. Many of the things you should look for
are simply common sense, while other things
are not so obvious. It is up to you to choose
what is important to you.
It is always a good idea to try out a facility at
the time you are planning to work out at so
you know what sort of conditions you will be
facing before you sign up for a membership.
LOCATION
Is the gym near your home or work? If it
isn’t then it may become inconvenient very
fast. Even the most dedicated of trainers
would have a hard time commuting 45 min-
utes both ways to get to a gym .
OPERATION
Be sure the club’s hours of operation suit
your schedule. Is the gym a coed facility,
and what are the crowded times? Visit the
gym during peak hours (such as lunchtime
or after work) to see if equipment is avail-
able when you’ll need it.
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 differ-
ent people.
• Some people like a wide variety of equip-
ment and machines while others just need
some benches, dumbbells and barbells.
• A gym that has too much equipment can
be just as bad as a gym that doesn’t have
enough as they can be quite confusing, es-
pecially to a beginning trainer.
• Advanced trainers should look for heavy
dumbbells (this is a good indication of the
target membership of a gym the heavier
the dumbbells, the more advanced the
trainers).
• Look for a wide variety of cardio ma-
chines as well.
CLASSES
Good fitness facilities like Jimmy Floyd
Family Center offers an array of class-
es, lessons and programs for different
age groups.
PRICE
• Some of the best gyms around are
also the most reasonably priced.
• Be aware of what you are looking
for in a gym and what you will be
paying for in a membership. If you
just want to use the weights but are getting
charged for the sauna, racquetball courts,
swimming pool, etc., you may wish to
look into a no-frills gym at a lower rate.
• Many gyms actually justify rate increases
because of adding new equipment or ser-
vices that nobody wanted or even uses.
• Substance should always win out over
glitz and glamour.
• Price should also be judged according to
location. A nearby gym at a slightly higher
rate may be worth signing up for rather
than a further away gym at a lower rate.
If you don’t go then you are wasting your
money anyway.
• For a good basic gym, the average rate is
around $30 to 40 per month. Lower rates
often limit the number of days you can
Lebanon Publishing How to Guide 2015 • 13
workout during the week while higher
rates often include more services and fa-
cilities.
OTHER CONSIDERATIONS
How many people will be in the gym when
you are planning to go? If the gym is ex-
tremely crowded at that time then your
workout may not be as enjoyable. Nobody
likes to wait for equipment. To solve this,
you must either work out at a different time
or find a gym that doesn’t get crowded at
that time.
This sounds like a lot of work, but regular
exercise is one of the best things you can
give yourself, so you want to find a gym or
health club that works for you and where
you can feel at home.
 How to Choose a retirement home
Today, retirement represents opportunity: the chance to
enjoy freedom from tedious responsibilities, revel in free
time, do as you please, and to relish the results of your
working life.
As senior citizens begin to explore the many retirement
living options available, the choices may seem somewhat
overwhelming. However, the task of choosing the right re-
tirement community becomes much simpler when seniors
are armed with some basic information and a checklist of
desired amenities.
The first step in the selection process begins by taking a
moment to do a little personal inventory. Reviewing such
important characteristics as age, health, marriage and fi-
nancial status, religious preference, personal interests
and even hobbies will help define the type of retirement
community best suited to an individual’s personality and
capabilities.
An “Independent Retirement” community is designed
for active retiree and healthy seniors who are relatively
independent both physically and socially. Residents live
14 • Lebanon Publishing How to Guide 2015
in fully equipped private two or three bedroom homes. to find a prospect of genuine community with compatible
Frequently, there are numerous social outings and events social relationships.
to choose from for entertainment. The major benefit
seniors enjoy in this type of arrangement is its mainte- So whether the final choice is a facility with a religious
nance free living. With no house and lawnupkeep, seniors affiliation, government subsidized, or privately owned,
find the freedom to truly enjoy their ‘Golden Years’. Ac- remember taking the time to make such an important de-
tivities conveniently planned and carried out in Indepen- cision is time well spent. Choosing the right retirement
dent Living settings often include crafts, exercise classes, community goes a long way in making a senior’s “Golden
live entertainment, movies, parties, outing and overnight Years” truly golden.
bustrips, each adding a new dimension to the senior’s ex-
perience. Other maintenance-free amenities include such For more information, call The Heights of Hearthside
things as trash pickup, home inspections, a push button at (615) 443-1994.
call system and meals served in a common dining area.
Residents generally approve a floor plan and have the op-
tion to upgrade floor coverings, countertops and the out-
door living space.
After understanding the basic types of retirement commu-
nities and taking stock of personal strengths and weak-
ness, it is a good idea to actually visit a variety of facili-
ties. Talk with current residents, ask the site manager any
questions that may come to mind and revisit if necessary.
In choosing an independent living facility, it is important
For more information, see Chip and The Rose Tire Team at
1928 Leeville Pike, Lebanon or call (615) 444-8120 today!

Lebanon Publishing How to Guide 2015 • 15

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when you buy a set of four new BFGoodrich®
passenger or light truck tires.
(Excludes BFGoodrich® Advantage T/A®, Radial T/A®, Traction T/A® and
Winter Slalom® KSI tires, which qualify for $ 50 Reward Card.)

Offer valid March 16 – April 12, 2015.

* See redemption form for qualifying tires eligible for either the $50 or $70 Reward Card promotional offer. Offer expires 04/12/2015. Void where prohibited. The Reward Card cannot be reloaded with additional funds, nor can it be used at
an ATM. Reward Card expires 6 months after issuance. For complete terms, conditions and fees, see the Cardholder Agreement in your card package. Reward Card issued by U.S. Bank National Association pursuant to a license from MasterCard
International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. Copyright © 2015 MNA, Inc. All rights reserved.
FREE ROAD HAZARD WARRANTY

FREE ROAD HAZARD WARRANTY

• With EverGrip™ technology, expanding rain • 20% Tougher Sidewalls: Featuring race-proven
grooves widen and emerging grooves open as CoreGard™ Technology to take on the toughest
the tire wears to maintain traction road hazards with confidence.1
• Sunflower Oil keeps the EverGrip™ 1
Based on internal sidewall splitting test vs BFGoodrich® All-
Terrain T/A KO tire in size LT265/70R17. Sidewall splitting test
Compound flexible in lower results were derived from a simulated sidewall aggression
temperatures along with many tread testing machine (patent pending US20120245859A1). All
claims based on pre-production tire testing.
blocks and sipes that act as biting
edges to cut through the snow

Premier A/S ®
All Terrain T/A ® KO2
Designed to provide balanced dry and wet
performance levels. BFGoodrich’s toughest All-Terrain tire ever.
LUXURY PERFORMANCE TOURING ALL-TERRAIN

Stop In & See Chip &

The Rose Tire Team Today!
Mon.–Fri. 7:00–5:00 • Sat. 7:00–12:00

(615) 444-8120
1928 Leeville Pike • Lebanon, TN 37090
Visit us online at rosetire.com!
16 • Lebanon Publishing How to Guide 2015