18 The Dallas Post Dallas, PA Wednesday, December 13, 1995 Ask an Expert is an advertising feature of The Dallas Post. We use readers’ questions whenever 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. possible. Theanswers and opinions are those of the individual advertiser, and not necessarily those of The Dallas Post. 1 | | SR CO SO TD A FOO J I 1 + rool obok S ET | 0 50 SO ND ERNE EERE CREE RE BER RE io RE) 3 0 CR IS ER, TS OS 0 HERSRERENLSEERARRMARER EBERLE SS HE 0 RY I SF TE EL CT | OE | x Tid Ly yl — ty 1 1 1 j4iH_H@ "1" {<1 1 I 111% ERERREAREANEEUGRERNRNEDREE RE TTT ATTORNEYS Q: If I am buying land improved with a commercial building is it necessary to have an environmental audit of the property conducted beforel buy? A: Whilean environmental audit is not presently required by law for the transfer of title to land, for the protection of the Buyer, ia the obligation to buy should be Mark A. VarrLoon, conditioned upon the satisfactory Esquire results of this audit. If the results of this study evidence pollution, the cost and manner of correcting any identified environmental problems can be negotiated between the partiesunder a comprehensiveenvironmental agreement between the Buyer and the Seller prepared by legal counsel experienced in environmental matters. Rosenn, Jenkins & Greenwald, L.L.P 114 PP] 117 yy er rr rrr errr rrr rrr rrr yy rit 1g rrr rr I TY TY TTY VV] BANKING Q: I'm considering refinancing my mortgage loan. With the new lower rates, does this make sense? What is the 2% rule that people talk about? A: Your loan should be analyzed by amortgageofficertoseeifrefinancing is worth the rate difference. Every mortgage is unique and a friend's incentive for refinancing may not be the same as yours. The 2% rule is a guideline and may not work for everyone. In general it states that in order for refinancing to benefit you, there should be a difference of 2% between your current rate and your proposed refinance rate. THIS DOES NOT APPLY TO ALL CUSTOMERS! There are many factors we use in your comparison. Thus the smart thing todo isto call or stop by. You never know, the mortgage you took out in the Spring may be ripe for refinancing at today's rates. FRANKLIN FIRST Tom Carr Lending Center Manager CHIROPRACTIC Q: What about Chiropractic HMO's? A: Chiropractic is ideally a health- maintenance health care system. Usually the chiropractor is able to check the spinal column for health- destroying spinal nerve stress long before symptoms occur. True health does not mean merely being symptom-free - it's having your body working right; & having good spinal alignment, restful Albert Klein sleep, strength, and energy. If simply being free of symptoms were the only sign of good health, then aspirin, drugs, and other medicines would make you healthy, and the people taking the most drugs would be the healthiest. But - are they? Drugs don't make you healthy. They may reduce or alter your symptoms, but that does not make you healthy. What makes you healthy? Life makes you healthy. Having 100% life flowing through you, having a body free of spinal nerve stress so the energies from the brain can travel freely to every part of your body is what health is all about. And that's the goal of the Doctor of Chiropractic. PHENnSERDENdURGEESERER aE REL REE! - |] Q: Whatis MPEG? bee x RN INN CS VULNS COP RE ON NY I RS RT (ED ASN OE MY SR 0 RT Ho COMPUTERS A:tMPEG isan acronym for Motion Picture Expert Group. This is a committee created to establish a standard for compression of full motion ;video with sound files. A similar committee called JPEG (Joint Photographer Expert Group) was established to develop a standard for compression of still images. A computer system that § gi features MPEG will be able to play back full screen full motion video 3 om Alege up to 30 frames per second. ervice Manag However, not all systems featuring MPEG are created equal. Low end units, like Packard Bell, do MPEG decompression entirely through software, and yield poor performance, requiring nearly all the CPU's processor cycles. Mid-Range units like some IBM models, do the video decompression through software, but audio decompression through hardware. The best models, like Compaq feature full hardware decompression of both audio and video, resulting in better playback speeds, less grainy video, and higher CD quality sound, When shopping for a computer system, be sure to be aware of the differences. inven POR... ar ay a ria kd ] Attorneys at Law Klein Chiropractic Northeast Micro Computer Systems x 15 South Franklin St., : 222 Wilkes-Barre Township Boulevard, 2 Wilkes-Barre, PA 18711-0075 933 Northern Blvd., Clarks Summit, PA 18411 N. Memorial Hwy., Dallas, PA 18612 Wilkes-Barre, PA 18702 - (717) 826-5652 717-586-1693 675-3833 (717) 826-7060 Err ey re ee rr Yr rr et ris ry yy TY HERRERA EREI REE Ram FEREEANENEE RAE EERE T i 00 CO 0 D0 1 5 FS EE FL S00 0 0 2 5 SB FS 1 1 EO OR J OT MO 5 1S RE I JN ET a - COUNSELING Cf DENTIST EYE CARE H FAMILY PRACTICE u 1] Q: Myfirstgradergivesme a very hard time about doing Q: Ibrush2-3timesaday.Isit :Th 1] o: the: h ow m1 homework. How can I get him to do homework without | |] really necessary to floss? Q:1 piste many rd Ei Ri JArs or orihe Punter goug £ mi a jor battle? H ; around in preparation for TU A: Most OTCiouahmedicineshave Pi I] A: You can't make children do their homework. The A: Brushing frequently the holidays, yet my husband Fl] At oe min: ti ™ I] best that you can do is to make it to his advantage to do [|] greatly reduces the amount of says he can detect neither of [1 (ocomponents Uns somponsntis LH homework. Give him somebenefitif he doeshishomework {| plague in your mouth, if done these color very well. Is this [| the cough suppressant, this works w —H without argument. Offer some reward such as staying up {1 properly. This is important type of color-blindness {1 toreducethefrequency of coughing. =" —1 ahalf hour later or grant him time to engage in a desired —1 becauseplaque containsbacteria common? x Dextromethorphan is the most = [| activity if he behaves as he should. Eventually, cut back 1] which can cause cavitiesand gum : —1| effective cough su Pressant = | 1] on the frequency of the rewards as he does homework 11 disease. A: Your husband d | available without a prescription. § = 41 without argument. Also, set up a specific homework 1 Unfortunately. even the ; $XOur-hus and SOUNCS as ml a [| There are also several stronger EEEE=EEEEEEEEEE 2 TH (me ertropsatter dinner vaithes than ict afer choot. R17, ie #5, 6) y tie David H. Spring thoagh he has red-green Dr, Curtis Goodwin 1] prescription medications. Diane A. Lowe, M.D. [] [| sothatthereisabreak between coming home and when B-—- between the teeth and under the bums between the teeth Soloy Scticiency; one of the od he —{] Thesecond component found in many cough medicationsis H{— [1] itis time to do work = : ; most common forms of color-deficiency. This is a —H the expectorant. This component make the phlegm thinner and ia yy . where plaque routinely collects. By flossing once a day, genetically-linked disease, found mostly in males. |_| 2p h Pp p fer — the expert is... —H+ you will increase the likelihood of healthy teeth and Among the things that ear be donctoheipistohave [ |] -easierto cough up, ; = Hi —{ gums. The combination of brushing, flossing and regular him fitted with a special lens to make his holiday BIT] Keepin mind what your symptoms are when buy nga ga — mi Gary Flanagan [|] dental checkups is the best defense in preventing tooth season alot: more colorful 1 medication. A dry, hacking cough without any ph egm s ould be w Certified Special Edscation Teacher decay and gum disease. As for proper flossing and . ; 1 treated with a cough suppressant. Phlegm that is difficult to 1 p / =H brushing technicue. ook dehtist or hvelenist wh Send your husband over to Back Mountain Eye —H cough up would benefit from an expectorant. od T The Genesis School at First Hospital Wi you see 3 an gic, 5K Your JENist or Tygionist When Care Center and we'll do our best to make his vision ] Over-the counter cough medications can be effective but see - fe] 1] ; a little more vibrant! TT] hysician if cough persists especially if accompanied b = 1] ° 0 ° ila . 4 Ldn your physician If cough p P y p y al = First Hospital Wyoming Valley ne David H. Spring D.M.D. 11 colored phlegm, temperature, chest pain or wheezing. od ui ; wi Gentle Family Dentistry Back Mountain EyeCare Center 1 Dallas Family Practice we 1] 149 Dana Street, Wilkes-Barre, PA 18702-4899 R111 661 N. Memorial Hwy., Dallas, PA 18612 170 N. Memorial Highway, Shavertown, PA BH 100 Upper Demunds Rd., Dallas N 1] 717-829-7900 + 1-800-624-9902 « FAX 717-829-7943 RTT 675-7796 675-3627 Hi 675-2111 - - 0 x y so CTTTTTITTLITTTT 6 HEALTH & FITNESS Q: Is there a secret to getting ; fit? A: Yes, but most people ignore it when its' revealed. Are you ready? Here it comes: 1) Commit...like you would a marriage (but you can't quit this one.) 2) Find an expert and pay the extra buck for their guidance...in the beginning. Bill Ranieri 3) When your schedule, your Kids, your stress, your spouse, your job etc., etc., etc. give you a reason to miss your training session, use it as a reason to succeed. Give until you can't give any more, then give a little bit more. Happy Holidays One-to-One Fitness 417 Memorial Highway, Dallas 675-6554 FRANIESCNESERERRREENERuEERENENEE WS! | A EG 1 CE TT EN UN (OA I NE (RR RT EY I RO OS EN ON AER RS WR (a RR RE INSURANCE Q: How do I lower the cost of my auto insurance? A: Call your agent and make sure your policyisrated correctly for the correct drivers, usage, annual miles driven, and that your company is aware of various safety devicesi.e. air bags, passive restraints and anti-lock brakes. Saas Also various discounts are Charles W. Gordon, Jr. available that may apply to your vehicle insurance, such asLong Term Discount or Anniversary Discount, Multiple Car, Senior Discount and Farm Use Rating, and the House-Car Discount for having both coverages with the same company. When changes happen in your life, keep in touch with your agent for insurance cost savings. NATIONWIDE INSURANCE es Nationwide is on your side Gordon Business Center, Suite 1, 194 N. Memorial Highway, Shavertown, PA 18708 675-5234 HH I HE 1311] t+T=—trtT——trt INVESTMENT Q: How can I effectively give a gift of shares? A: 1. Purchase shares in a mutual fund which best complement the purpose of the gift (i.e. growth shares in a UGTMA Account for an infant's college fund). 2. Gift away owned and appreciated securities which can be reregistered into the recipients account; (or a custodial account for their benefit). Note that no more than $10,000 may be given to any individual by any individual and that the transfer of shares must be concluded by January 1st. John F. Gager Registered Principal Wishing ALL of our clients and friends a Happy Holiday Season! Gager & Associates Box L, 2 Woodland Drive, Dallas, PA 18612 (717) 675-7200 HERG RNNEanEELRRE BES RERERE TRE REN of — t,t tT rt ——.-a rl 1b JEWELER Q: Iwasshoppingforadiamond a few months ago. I looked at a diamond graded Color "G" and Clarity "VS2" at three different jewelrystores. All three diamonds weregraded alike,however, when I looked at each one with a 10 power eye loupe, I could see imperfections very obvious from one jeweler and very difficult to see inclusions at another jeweler. How can they be the same grade? A: jewelers do not have to go to Tommy gemological school to sell diamonds. There are jewelers outtherethat have gone to gemological school for grading diamonds, and their diplomas are usually seen when you walk in the store. In this case they should grade diamonds somewhat accurately. In any case, shop for a jeweler who guarantees his grades to some degree, and this should be noted on their appraisal. Happy Holidays! TOVON & CO. Diamond Importers Dallas Shopping Center, Dallas 675-4444 a Ef NE SO EO OE EL EE RE OB) 1 1 FE EN EE aE 1 11 BEERBARREAERERERREERRANEARERRAS HARE PLUMBING & HEATING Q: What advice can you offer for coping with the cold weather? A: Have your heating system checked. With excessive low temperatures and the demand for heat, it is best to be certain that your heating system is safe and reliable. When a heating system malfunctions safety hazards can occur. The greatest risk is carbon monoxide which can cause injury and even death after prolonged exposure. Properly maintain your heating system by calling a professional to have it checked. Parker Fuel Co. 1016 Lower Demunds Road Dallas, PA 18612 675-4949 or 675-1155 Cliff Parker 11 Lp ye rf | OO CO CC CR ER ER PROMOTION/ADVERTISING Q: There are so many advertising options. How do I know what's best for my business? A: It's hard to choose, but here are a few principles. Advertise where most of your business comes from. It seldom pays to advertise far outside your primary trading area. And plan a budget, based on a percentage of your sales. Still confused? Call us and we'll help clear things up. The Dallas Post 45 Main Road, Dallas 675-5211 Ron Bartizek eed L 1 1 EREERREn Hr SL A (OY ED I OR A (ED (OD REAL ESTATE Q: We're considering a second home in the south. Can a realtor help us find information about the different areas we might be considering? A: All franchised realtors and some independents have access to relocation services. Thru their referral network they can have a : relocation packet sent to you Muriel Farrell about homes, medical & educational facilities, recreations, cultural activities, maps, and a local newspaper. If you are planning such a move, call today. Ci Jean Innamorati, Realtor Muriel Farrell Associate Broker / Manager / Marketing Consultant (717) 675-2159 NEARER INEREENINERDER GREEN ENEBENEY ? CER A TH NOY I OC TL A I CL OA (EN ED A CO RO AE VOD YO ON IPR SUBSTANCE ABUSE Q: How can a family member help a loved one recover from alcoholism? A: Many family members of the chemically dependent person initially feel a sense of relief when an individual enters chemical dependency treatment. They often believe when the chemically dependent person stops vsing, the family will be all right again. They may not recognize themselves as "co- dependent"; a pattern of painful dependency on compulsive behavior and Sproval seskin in an attempt to find safety, identity, and self- worth. We believe it is essential that family members participatein thetreatment program of the chemically dependent and become Juanita Bednarz involved in their own treatment Fi which is designed to help them cope with r their own problems that stem from the disease of chemical dependency. A newly recovering addict returning to a family with no recovery will risk being snagged by the disease again, if family members remain stuck in old behaviors motivated by fear, anger, distrust, shame or guilt. The best thing a family member can do to help a loved one recover is to get involved with Al-Anon and the 12-Step recovery process, thus learning healthy ways of relating and dealing with life's problems. CHOICES WYOMING Vala ey HEATH CARE SYSTEM For The Comprehensive Treatment Of Drug And Alcohol Abuse 518 Wyoming Avenue, Kingston, PA 18704 717-283-2388 « 1-800-762-9492 REZ AEYRELRUEEREIARE SENN BEE OREN =. 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. © 2) - @ @® ¢ a PEE rr ~ 2) (y /{ 2
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