The Dallas Post Dallas, PA Wednesday, May 10, 1995 9 = KB RO The professionals and specialists on this page have studied and worked to become expert in their fields. They are ready to serve you with their knowledge. Ask an Expert is an advertising feature of The Dallas Post. We use readers’ questions whenever possible. The answers and opinions are those of the individual advertiser, and not necessarily those of The Dallas Post. RO 953 OL RS 2 BE J SV 258 0 TO HE CY RG DO OO 0 S55 9 1 ET RF 0 SR TON LO 0 A 0 I A I 0 OR OK WT Ow | LE J COO EI CO ONG ERR 1 1 CU OO UO IN (3A | EE EE HHH rrr rr ATTORNEYS Q: How does a statute of limitations affect our ability to pursue a lawsuit seeking monetary damages? A: A statute of limitations is a legislative enactment which declares that lawsuits based upon certain causes of action are barred if not commenced within a specific period of time after the right to sue arises. For example, lawsuits seeking recovery of losses caused by an | , automobile accident or a defective gn 1 +a ¢ product must, as a general rule, be Robert N. Gawlas, Jr. started within two years of the event Esquire causing the loss. A lawsuit based upon a breach of contract normally must be started within four years of the breach. There are other periods of time applicable to other causes of action and, in certain circumstances, there are exceptions to the general rule. Since the expiration of the statue of limitations forever bars you from pursuing your claim, it is important that you consult with an attorney at your earliest opportunity. Rosenn, Jenkins & Greenwald, L.L.P BANKING Q: "I can't believe that my bank is no longer offering savings passbooks. Now what?" A: "It's true that many area banks are phasing out savings passbooks. We still offer passbooks for saving since we realize that a lot of people still like to see and verify their balance each time they make id a deposit or withdrawal. Stop Manager in or call me for details.” PIONEER CHIROPRACTIC Q: What about kids? (The Free Clinic) A: We have a Free Clinic for Kids up to the age of five. Since most (95%) of all adult conditionsstartin childhood, we felt a responsibility to make available the care that they need. When you see your one ;year old child fall off the couch on their head, just because they get up and start running again like nothing happened - doesn't mean they are OK! What if I dropped you on your head? Would you be OK? NOT ( Father of Medicine) said "Look to the st" !! That's what we do. Make sure you do. Please at least get your kid's spine checked - it could make a difference in the rest of their life. Remember their spine is their LIFE o! Albert Klein COMPUTERS Q: Is a triple-speed CD drive really that much faster than a double speed? A: A single speed drive handles data at 150K per second. Double speed drives operate at 300K, Triple at 450K, Quad at 600K, and the newly announced 6 speed drive which can transfer | Eo data at 900K per second. The Tom Avplegale faster datatransferrateswillbe goryice Manager very noticeable in multimedia applications, such as videofiles. It is in these applications, that the slower drives will "drop" frames, making the video appear choppy. Keep in mind that the access rates are also very important when choosing a CD Rom drive. 0 0 eT Se A St tO 0 TL 2, ERE aERERESEENISERIERENE MINA EREE 7 OO LT UTR Ct LY JR A RARER IGZREERCRERRENRLERECRRNE REG ! GR (RO ER Re RC I TO ESN GE RS ES CN RR ON FE OR I DN RE RR VE DD I a Attorneys at Law AMERI : . ; Northeast Micro Computer Systems 15 South Franklin St., NERMBERF DIE HICAN Klein Chir opr actic 222 Wilkes-Barre Township Boulevard, __ Wilkes-Barre, PA 18711-0075 Route 415, Memorial Highway, Dallas, PA 18612 N. Memorial Hwy., Dallas, PA 18612 Wilkes-Barre, PA 18702 E 826-5639 675-1429 675-3833 (717) 526-7000 7 WE 0 OC LH CB A: The most important thing you can do for your friend is to help her get appropriate diagnosis and treatment Thismay involve encouraging her tostick with her treatment until her symptoms begintogoaway,orit may involve making an appointment for your friend and accompanying her to the doctor. 44711771 The second most important thing is Ao offer emotional support. This involves *! understanding, patience, affection, and Mary Ann Yenason EE , Engage your friend in Licensed Psychologist conversation and listen carefully. Do not disparage feelings expressed, Fin point out realities and offer hope. Do not ignore remarks about Always report them to your friend's doctor or therapist. : i +220 Finally, invite your friend to go on walks, outings, to the movies, and 3 jer activities. ‘Encourage participation in activities that once gave pl sure, such as hobbies, sports, religious or cultural activities, buf de ‘push your friend to undertake too much too soon. Keep in mind that DENTIST ; Q: My teeth are sensitive to regular toothpaste. Is there an alternative that still fights cavities? A: Yes. There are several brands of toothpaste on the market specially formulated to help sensitive teeth. Some people use one for a short | period of time until the David H. Spring symptoms disappear. Others, D.M.D. must use a desensitizing toothpaste daily to keep symptoms at bay. Most of these toothpastes contain fluoride to help fight cavities. More importantly, go see your dentist to find out { whyyeurteeth aresensitive, There maybe a serious... addy problem beginning. EYE CARE Q: I'm so frustrated! It's hard for me to get good health care - I'm hearing- impaired and its often difficult communicating my needs. A: Back Mountain Eye Care Center knows that life places many obstacles in the path of every individual - we like = hed to try and remove some of Dr. Curtis Goodwin these obstacles whenever we can! Recently, our staff have just completed a Beginner American Sign Language Course, in order to better serve the needs of the hearing-impaired. As well, we would be happy to have an interpreter present when you come in for your appointment; just let the staff know this at the time you set up your appointment. ey rr Pt i rE irri 1) L FAMILY PRACTICE Q: How long should a cough from a cold last? A: A cold is a viral infection of the upper respiratory tract. The symptoms include runny nose, tearing eyes, sore throat and dry cough. Temperature, if present, is very mild. There is no specific treatment for a cold and medications arcaimed at relieving symptoms The best treatment is a decongestant. An analgesic may be necessary for specific aches or pains. The wisc old | i . adage "a cold will last a week if you treat it and seven days if you don't" Diane A. Lowe, M.D. pretty much sums up your prospects of a quick cure. Sometime the original viral iliness will worsen with a bacterial "superinfection". This is what happens when the ordinary cold lingers on with persistent sinus pain, thick sinus drainage, or a cough that produces phlegm. If these symptoms occur, a visit to your doctor is recommended to determine if an antibiotic is in order. One annoying consequence of a cold may be a dry irritating cough thatlingerson after other symptoms have ended. This kind of cough may persist for 4-6 weeks after the cold. Treatment with a a a i a i al le fe Mal al a ay a h IFEEYNEREENDANTENDERDERYERNaRER DER] with reassurance, time and help your friend will feel better. WER 4 8 an over-the-counter cough suppressant and cough drops is possible 4 ‘ Our mission is to do anything we can to make eye —T1 “but’this cough i$ difficult to suppress. If the cough is dry, and not Lommunity Counseling Services of N.E. PA David H. Spring D.M.D. care as easy as possible for you. » asocialed wilh a Jemperatire or wheeze, it's fine to wait it out ¢ 4 ny : : . 3 % . a KEY wi oul a visit to the doctor's office. “110 S. Pennsylvania Ave., Wilkes-Barre UN Rents Fanyy hens) 15603 Back Mountain Eyecare Center FY Dallas Family Practice : %, 99 Bridge St., Tunkhannock ee siiemorial. qwys Dallas, 170 N. Memorial Highway, Shavertown, PAB Sterling and Machell Avenues, Dallas Hl « 823-21550r 836-3118 nn 675-7796 675-3627 675-2111 A Ht : INSURANCE Q: What is Variable Life Insurance? GEMOLOGIST It seems to me there Is very little ethics left in Advertising. When I hear major American GOURMET COOKING : 2 | =X 8 a HEALTH & FITNESS Companies like AT&T and MCI call each other everything but OUTRIGHT liars - it disgusts me. How ethical are the Jewelry ads? 3 Ee TIES GU Gem TS 2 # 3 Like in any other Industry, the Jewelry ads run H mul The "Borax" ads (The ones that made 4 of noise and make absurd claims) are still [| 7 prevalent in some of our local ads. I think the public is' wise enough to be turned off by this kind 1 * of nonsensical advertising. However, I would advise [| the prospective Jewelry Buyer to learn all about H ‘thé product. Ask the Salesperson tough questions. H Findoutif thestore has any Certified Gemologists. Ifyouare buying adiamond, ask tosee the diamond under high power magnification. Our store has Jay Karnofsky, new equipment that will show the stone on a TV President po ser€en - magnified 70 times (70 power). Also ask for a Gemological Institute Grading ‘Chart so you can understand the various color, clarity grading and the ideal cutting 1... «proportions. Most important! make sure you will be provided with a Guarantee and A Abra Certificate that states carat weight, color and clarity grading etc., and it is I ed by the person doing the appraisal. Take your time and never be high pressured in 1g making a purchase. Q: Areall calories equal, s0 100 calories of sugar is the same as 100 calories of butter? A: Calorie for calorie, butter (fat) is more ~ about. Can you help? several studies on the effects fattening than sugar D.H. Oliver (carbohydrates). The body converts fat calories to body fat much more easily than it does carbohydrate calories. So excess fat calories will lead to weight gain faster than » 4 » Q: My mom & dad are getting up there in years and are having trouble getting A: Yes! There have been of resistance training on seniors. One such study by the University of Michigan Medical Center found that 80 to 90 year old residents of an independent living facility could get up from their chairs twice as fast after only six weeks of weight training. Also noted was an increase in their Bill Ranieri A: Variable life insurance is insurance with the investment being in a separate account. The separate account being similar to mutual funds, meaning the insured has their choice of growth, income, or a fixed account. Historically stocks, | SS bonds, etc., have outperformed a fixed accountssothe Pores has William T. Huck an opportunity for a Freates return. The life insurance ortion of variable life works two fold: as long as the insured lives, the separate account keeps growing tax deferred, also, if the insured dies, a death benefit is paid. A potential high rate of return, tax advantages on the return, and a death benefit truly make variable life insurance an investment for the future. For More Info Call 675-5234. aN ma ow ME Im RE vi flexibility, balance and indeed, their attitude. We excess carbohydrate calories. have a special six week program for seniors. D.H. Oliver 550 Memorial Hwy., Dallas 675-0790 NATIONWIDE INSURANCE e Nationwide is on your side Gordon Business Center, Suite 1, 194 N. Memorial Highway, Shavertown, PA 18708 675-5234 One-to-One Fitness 417 Memorial Highway, Dallas 675-6554 EEE SEES NE SENNERERSSEEREEE HENEARNEENEAEIRIEERC ER EBERT RER Bt -——— i A i NY f€T di WML pp emma ee een HERE EENINEARCEEERENEESSRERNEEEE NRE E Hi 141 5. Main St., Wilkes-Barre + 823-7111 _ H = - a ye TT ie YS pT eS Te oY RT iT TSS NR Ta INVESTMENT Q: When does it make sense to buy Municipal Bonds? LJ | A: Differing theories exist on this J *Sirbject but normally, individuals or family units in a 25% plus marginal bracket should consider "tax frees". Commonwealth of Pennsylvania, local municipalities, most authorities, and many healthcare and education issues are exempt from Federal, State and Local tax. As a rule of thumb, John F. Gager subtract your tax bracket from (100), Registered Principal and then divideitintothetax exempt bond yield basis to compare tax free yields with taxable yields. fe SL 3 PLUMBING & HEATING Q: Does a gas water heater have to be vented into a chimney? A: No. Powervented water heaters are des- igned to meet the home- owners needs when a [i i chimney is not available. Cliff Parker It can be installed up to forty feet from an outside wall using PVC pipe for venting. It TT REAL ESTATE Q: If I list my home for sale, am I obligated to pay for anything the Realtor does? A: Your Realtor's obligation is to cause your home to sell thru the Agency's marketing program. Only when he/she secures a ready, willing & able buyer for your home does it then become your obligation to pay the agreed upon fee at settlement. Occasionally a property may require "special" marketing. You and your Realtor may agree at the time of signing the listing contract to share some of the cost. However, thisisnot the norm. Basically you are under no obligation to pay Muriel Farrell | EE I SS TE a (OO A OU OR SUBSTANCE ABUSE Q: Is Alcoholism/Drug Addiction a curable disease? A: My philosophy is that Chemical Dependency is a treatable illness, be it alcohol or drug related. Those who suffer from chemical dependency are frequently in need of acute care within ahospital setting. The personin need of detoxification receives the care needed on a medically safe, comfortable environment,. Following detoxification and close medical monitoring, a quality comprehensive treatment program should be based on principles of proven effectiveness and state of the art treatment modalities. A specially selected multidisciplinary treatment team can then provide the enthusiasm and commitment to bring the treatment program to life. Continuity of care is vital to recovery. The use of community supportgroups(AA, NA, Al-Anon)is essential " Using this measure a 6.25% tax free equates to approximately a ‘96% taxable yield. Tax exempt obligations can be purchased individually, in the form of municipal unit trusts, or through closed end or open end mutual funds. Individual bonds normally trade in minimum denomination of $10,000 and pay interest semi annually. Tax Free Bonds, Bond Funds and Unit Trusts make even more investment sense on April 15. for services until your property is sold. Jean Innamorati, Realtor to the life-long recovery process. Robert G. Migliosi, BA D. & A. Therapist CHOICES utilizes a modular blower assembly and features a hot surface ignition system which eliminates the pilot light. Not only is it quiet and compact, it is economical and efficient. Parker Fuel Co. 1 1 1 1 1 LE RNR 1 1 WT Rp gt RS a. EERE | SEE E40 NOR 7 1 OE 0 C0 EE 1 i LL yt Ty Trl MEER ERERUEEERERBERRRRERRR AREER RE 3 LL TL LT v ® 3 Gager & Associates 1016 Lower Demunds Road 1 Muriel Farrell ] For The Com WR See Box L, 2 Woodland Drive, Dallas, PA 18612 Dallas, PA 18612 1] Associate Broker / Manager / Marketing Consultant H 518 Vrouw 7 Avenue, Kt PA 18704 (717) 675-7200 675-4949 or 675-1155 mE (717) 675-2159 ] 717.283.2388 + 1-800-762-9492 BERNER RENEE DANE UERREenaEEY) Have a Question: Ask an expert to answer it. Send your questions to the Expert of your choice, c/o The Dallas Post, P.O. Box 366, Dallas PA 18612. Deadline for questions is the 20th of each month. BTR VET al 2 Bh Bi BR PELPUF A BV ts GTS
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