Jul 2009

Official News Magazine of the Saddle Creek Homeowners’ Association
July 2009
Organization
For All
Sisters Sarah and Ally McKeever keeping
their playroom organized and neat!
Do you know this
Woodland Springs Home?
PRSRT STD
U.S. Postage
PAID
Carmel, IN 46032
Permit No. 728
Be a winner ...
clues inside!
2009
July
Page
2009 SADDLE CREEK HOMEOWNERS’
ASSOCIATION BOARD OF DIRECTORS
Brian Kavicky • President
[email protected]
Home: 848-4034 • Cell: 716-3050
11
Meet Julie Getty-Downham
from Century 21 Realty
Group 1
Page
SADDLE CREEK
12
Your Guide to Local
Farmers Market
Find the best Farmers
Market for you
Directors:
Conrad Haremza
Scott Harkness
Gina Jones
Guy Judson
Chris Potts
Don Thomas
Property Management Group:
Omni Management
Carl Long - Managing Agent
Page
Page
15
18
Build Your Financial Foundation
Review your current financial situation
Eliminate that Garage Grime
Simple solutions to keep
up on the never ending
garage grime
(317) 541-0000
[email protected]
COVENANTS & RESTRICTIONS:
Be certain all property improvements/
alterations are submitted for approval prior to
commencement of work. The Saddle Creek
Architectural Approval Form can be found in
this newsletter or by contacting Carl Long of
Omni Management at (317) 541-0000, or via
e-mail at [email protected].
SERVING YOUR COMMUNITY
Brownsburg
Highland Springs
Lake Ridge
Carmel
Avian Glen
Foster Estates
Saddle Creek
Smokey Ridge
Village of WestClay
Williamson Run
Woodland Springs
Fishers
Gray Eagle
Geist Overlook
Parkshore
River Glen
Sandstone
N. Carmel/Westfield
Centennial
Merrimac
Springmill Ponds
The Village Farms
Fishers/Geist
Highland Springs South
Windermere
Northwest Indy
College Park Estates
The homes in the
Traders Point triangle
Huntington Communities
Normandy Farm
West 86th
Zionsville
Austin Oaks
Colony Woods
Fox Hollow
Oak Ridge
Preserve at Spring Knoll
Royal Run
Woodlands of
Irishman’s Run
Zionsville Village
Publication of paid advertisements in this news magazine is not an endorsement or recommendation of any advertised product or
service. The Homeowners’ Association and Capture Media are neither responsible nor liable for the content of any advertisements
published, here within. Please refer to your subdivision covenants and Board of Directors for appropriate guidelines and restrictions.
2
© Copyright 2009. All Rights Reserved.
Saddle Creek Stir’up
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July 2009
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July 2009
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Saddle Creek
News Magazine
Carol Brewer • Homeowners Association Liaison
Michelle Martin • Account Executive
Capture Media • 44 S. 8th Street
Noblesville, IN 46060 • (317) 733-4300
[email protected]
www.capturemedia.com
This News Magazine is published by Capture Media
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Saddle Creek Stir’up
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July 2009
Saddle Creek President’s Report - July 2009
We have decided to close the pool
indefinitely.
Numerous issues contributed to the decision
including and not limited to: Pool chairs being
vandalized and thrown into the water and left on the bottom,
glass beer bottles left broken on the deck, after hours use
by teenagers, a party held in the gazebo area was left in
“after party” status and was not cleaned up, trash cans
dumped and left upended, and my personal favorite, USED
diapers left under chairs as if for an Easter Egg hunt.
OK, so we’re not going to let the bad spoil it for
the good. The pool will remain open.
But could you blame us if we did? We try to motivate our
contractors to do their best on our property. They are
totally de-motivated by Saddle Creek use of the pool. It
just doesn’t make sense why someone would treat a private
pool this way. They are our best pool contractor yet…we
don’t want to go back to the old ones.
Those of you who are reading this article are not the ones
trashing the pool. You are the ones who say, “Yeah, you
tell ‘em Brian.” I’m preaching to the choir. I heard someone
recollecting their youth a few weeks ago. It was one of
those “back when I was young” stories that are usually
followed with an eye roll. He was talking about how when
he was a kid, that any adult could say “knock it off” and it
got nearly the same effect as if the parent had done it. I
don’t think that those days are gone. This winter, when
kids were walking across barely frozen ponds listening to
the ice creaking under their feet, I said something. “Do
your parent’s know what you are doing? Is everyone ok
with falling in today?” They walked off the pond and took
off home. To them, I was the crazy guy with bed head
coming at them with penguin pajamas. But I didn’t want
to see anyone fall in. I couldn’t have lived with that.
Here is what I am asking. If you feel it, please say it. Do
what you know is right. There is a saying that I use often
called “wimp junction.” It is that place where you think, “I
should say this right now,” and then don’t. You are at wimp
junction if you let that critical moment pass. If someone
came into your house and started hiding USED diapers
under your chairs and tables, I am pretty confident that
you would get through wimp junction without a hitch. The
pool and all of the common area is yours. Please treat
it that way.
It seems that every July, I write about garbage (actual
garbage not just the above paragraphs). It is against
Carmel Ordinance to put out garbage more than 24
hours before collection. If you are going out of town, get
a neighbor to do it. There is not surer sign to a burglar
that your house is a great target than early trash. It is a
simple thing, but it has a huge effect on home sales in
the neighborhood as well.
Have a Happy 4th of July!
Brian Kavicky
Saddle Creek HOA Board President
C.A.L.M. (CPR at the Last Minute)
How important is it to know C.P.R.? It could save a loved
one’s life. Are you prepared if a situation requiring CPR
should happen? What would you do if you were the only
one at the pool and a situation requiring CPR would occur?
What would you do?!
We should be thinking about being prepared for an emergency
situation. Is the scene safe? Call 911, you get the A.E.D. This
training should be in every family.
I have been in the emergency medical services for 28 years.
I’ve seen a lot of changes in CPR, (5:2, 15:2).Currently the
ratio is 30 chest compressions and 2 breaths. This is for
adult, child, and infant.
* About 80 percent of all out-of-hospital cardiac arrest
occurs in private residential settings, so being trained
to perform cardiopulmonary resuscitation (CPR) CAN
MEAN THE DIFFERINCE BETWEEN LIFE AND DEATH
FOR A LOVED ONE!
The reason for this change is studies showed compressions
would deliver oxygen rich blood to the brain. Now just as
important is using the (A.E.D.) Automatic External Defibulator.
A person in cardiac arrest stands a better chance of living
with CPR and early defibulation. I know we try to avoid the
thought of someone dying right in front of us.
Here are a few statistics about CPR:
* Effective bystander CPR, provided immediately
after cardiac arrest, can double a victim’s chance of
survival.
Continued on page 7
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July 2009
5
Attention Youths! Your neighbors need
some help, you could use the extra money.
Advertise your services with us for free!
To submit your name to our directory,
go to www.capturemedia.com
and click on Working Youth Directory.
Please discuss this with your parents
and get their permission.
B=Babysitting • C=Computer Repair • H=House Sitting
MH=Mother’s Helper • O=Odd Job • P=Pet Sitting
RC=Red Cross Certified • S=Safe Sitter Certified
SS=Snow Shoveling • ST=Spanish Tutor • T=Tutor
Y=Yard Help • W=Window Washing • CC=Car Care
NAME
AGE
Kara Cifizzari
17
Amanda Davidson 14
Avi Goot
13
Brittany Fechtman 15
Sarah Fechtman 11
Brett Fischl
15
Taylor Fischl
11
Agigail Herman 16
Brett Illingworth 13
Matthew Jared
13
Victoria Jared
15
Hannah Khan
13
Terry Liu
17
Bailey McGrath 13
Drew Milem
16
Lucy Moreman
12
Lauren Murphy
13
Emma Stiggleman 9
Kelly Stiggleman 9
Sarah Tinaphong 10
Colleen Thomas 16
Hope Thomas
14
Daniel Trejo
13
Kate Urbanowski 12
John Van Nostrand15
Lilly Van Nostrand 13
Amber Yelenosky 11
Austin Yelenosky 15
Liane Yue
13
Emma Zvonar
12
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Saddle Creek Stir’up
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NUMBER
706-0544
733-6336
566-8991
705-0507
705-0507
581-9476
581-9476
581-9016
818-1788
566-8111
566-8111
571-1291
569-0103
846-9596
582-0262
566-9580
580-9052
843-2108
843-2108
569-1442
566-9893
566-9893
846-4103
566-8411
331-2343
362-9608
846-8221
846-8221
659-4564
816-0696
July 2009
SERVICE
B, S, H, MH, P
B, S, H, P
Y, B
B, H, MH, T, W, P, Y
B, MH
SS, T, O
MH, P, T, O
H, M, T, O, P
B, SS, H, P, Y
B
B, H, P
B, S, H, MH, T, P
B, H, MH, O, W, P, Y
B
C, H, P, Y
B, S, H, MH, P
B, MH, P
MH
MH
MH, P
SS, O
B, H, MH, P, SS
H, O, P, ST, Y, W
B, S, MH
SS, H, O, W, P, Y
B, S, H, MH, P
P, MH
Y, O, SS
B, S, H, T, P
B, S, MH, P
Carmel Police Department
Non-Emergency: (317) 571-2500
Carmel Fire Department
Non-Emergency: (317) 571-2600
Carmel Schools
Carmel Elementary
Cherry Tree Elementary
College Wood Elementary
Forest Dale Elementary
Orchard Park Elementary
Smoky Row Elementary
Towne Meadow Elementary
West Clay Elementary
Woodbrook Elementary
Creekside Middle School
Carmel Middle School
Carmel High School
(317) 844-0168
(317) 846-3086
(317) 733-6461
(317) 844-4948
(317) 848-1918
(317) 571-4084
(317) 733-2645
(317) 733-6500
(317) 846-4225
(317) 733-6420
(317) 846-7331
(317) 846-7721
Carmel Clay Public Library
TTY Service: (317) 571-4294
Information: (317) 814-3900 • www.carmel.lib.in.us
Mayor Jim Brainard
(317) 571-2401 • [email protected]
St. Vincent Carmel Hospital
(317) 582-7000
AT&T
Plans & Services: 1-800-742-8771
Repair Services: 1-800-868-9696
Duke Energy
1-800-521-2232
Vectren
1-800-227-1376
Bright House Networks
(317) 972-9700
Carmel Utilities
(317) 571-2442
Carmel Water Department
Phone: (317) 571-2648 • Distribution: (317) 571-2648
Operations: (317) 571-2648 (to locate shut-off valve, etc.)
Ray’s Trash Service, Inc.
(317) 539-2024 • (800) 531-6752
US Postal Service
(317) 846-2489
Auto License Branch
(317) 846-5533
Time Warner Cable
(317) 844-8877
Insight Communications
1-800-439-9006
C.A.L.M. (CPR at the Last Minute), continued
* CPR helps maintain vital blood flow to the heart and
brain and increases the amount of time that an electric
shock from a defibrulator can be effective.
* There are about 138,000 coronary heart disease deaths,
within one hour of symptom onset, each year in the
United Stated.
* Approximately 95 percent of sudden cardiac arrest
victims die before reaching the hospital.
* Sudden cardiac arrest is most often caused by an
abnormal heart rhythm called ventricular fibrillation (VF).
Cardiac arrest can also occur after the onset of a heart
attack or as a result of electrocution or near-drowning.
* Death from sudden cardiac arrest is not inevitable. If
more people knew CPR, more lives could be saved.
* If bystander CPR is not provided, a sudden cardiac
arrest victim’s chances of survival falls 7 to 10 percent
for every minute of delay until defibrillation. Few attempts
at resuscitation are successful if CPR and defibrillation
are not provided within minutes of collapse.
* Coronary heart disease accounts for about 446,000 of
the over 864,000 adults who die each year as a result
of cardiovascular disease.
If you are interested in getting certified in CPR and the A.E.D
through the American Heart Association, contact Richard
Mann (CALM, CPR at the last minute). First-aid certifications
are available also.
Richard Mann
President, C.A.L.M.
317.446.9772
2009 Saddle Creek Pool Rules
1. Lifeguards ARE NOT provided for the pool facility. All
persons using the pool or pool area do so at their own
risk. We will have periodic pool monitoring for clean up
and water testing.
2. An adult must accompany children under the age of 14
at the pool at all times.
3. The wading pool is for those 4 years of age and under
and must be accompanied by an adult.
4. No diving allowed.
5. If pool is crowded, no over-sized flotation devices are
allowed. Approved safety devices attached around the
waist or water wings are permissible at all times.
6. Only swim suits may be worn into the water. No children
in regular diapers are allowed in the pool at any time.
Only swim diapers will be allowed. Please use rest
rooms to change.
7. Showers must be taken before entering the water.
8. Persons having infectious disease, open sores,
bandages, cuts or recent vaccinations must not enter the
pool area.
9. No food or drink shall be permitted near the pool.
Please place all trash in trash receptacles!
10. No glass containers or other breakable objects are
allowed in the pool area.
11. Absolutely no running, rough play, spitting, dunking
or use of foul language will be tolerated in or around
facility. Those not abiding will be asked to leave.
12. No skate boards, roller blades, or bikes are allowed
on the pool deck.
13. Please be considerate of other residents when inviting
guests to use the amenities. A maximum of 4 guests
per family/per visit is allowed. The resident must also
be present during their visit.
14. No animals of any kind are allowed in the pool area.
15. There is a $25 replacement fee for lost keys. If key
is lost, contact Omni at 541-000. Please protect our
pool area by not allowing those without keys to enter
the pool area.
Pool Hours are 5 a.m. – 10 p.m.
Saddle Creek Stir’Up
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July 2009
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July 2009
Julie Getty-Downham • Century 21 Realty Group 1
Where is your
business located?
I am at Century 21
Realty Group 1, on East
82nd street between
Keystone and Castleton.
I can be reached
at 317-710-6696 or
julie@gettydrewhomes.
com.
How long have you
had your business?
I have been in the
business for 15 years.
I have a partner, Drew
Schroeder; he and I have
been together for five and a half years.
How would you describe your business?
I would describe our business as full-service. We do about
the same number of buyers and sellers every year, at all
price ranges.
What makes your business unique?
I think personalized attention and communication with clients
makes us unique. For instance, we give what I call the “coastto-coast” tour; when someone wants to live on the north
side, I show them listings from Zionsville to Geist, including
Carmel, Noblesville, Westfield, Fishers—because they might
not know exactly where they want to be, and these are all
good areas with good school systems. Or, coast to coast
could be downtown to the north side. We handle listings all
over the Indianapolis area.
Century 21 Realty Group 1 has been Century 21
International’s highest-producing office for six of the
past eight years. Is there something specific that you
attribute your success to—especially in a depressed
real estate market?
I would say staying positive. We’re focusing a lot on first-time
home buyers right now because of the $8,000 tax credit; that
tax credit has really stimulated the market in our opinion.
And now it’s filtering up—those people who are selling those
houses can now afford to buy the next level of house. We
really feel like that has made a difference.
What are you most proud of in relationship to your
business?
The fact that especially in today’s market I can really help
people. You know there are people in situations that are
almost scary—people who are in homes that they can’t afford
or bad personal situations. I would say the thing I’m most
proud of is when someone is satisfied with what they bought
or sold through me—a satisfied client.
How is your business growing?
We started using virtual tours about a year ago. The Internet
is huge—people do start their searches with the Internet.
We still believe, though, that buying a home is a “touchy”
thing—you can look at it online, you can look at the pictures,
you can read about it, but you still need to go touch and feel
a home in order to buy it. We have incorporated all those
Internet tools, but yet still have that personal touch, too, in
terms of helping people buy or sell their house. I think being
candid with people is crucial as well, in terms of letting them
know what it’s going to take to get a house sold today. I had
one house that I sold in a day, and we got two offers on it;
this was a couple of weeks ago, which is kind of unheard of.
But these people really listened: they got their home ready, it
was in pristine condition and it sold. And they priced it right.
If homes are pristine and they’re priced right, they will sell,
across the board.
What is your favorite part about being an
entrepreneur?
My favorite part is the problem-solving, which is really what
our job is. And the fact that every day is different—every day
and every client. I would also say that being able to give back
after this many years is very important to me. I am the cohost
of a major golf outing for Noble of Indiana. This is our fourth
year for the tournament (held June 15-19 at Sagamore Golf
Course in Noblesville), and each year we have continued to
get more money for this cause, which is just incredible. This
year we’re on track to do one a half times what we did last
year. I’m really proud of that. It’s a really fun event and for a
great cause. Noble of Indiana helps children and adults who
are developmentally challenged; they have three different
facilities throughout Indianapolis and help adults get work
doing things that are meaningful. They have a school as
well.
Where do you see your business in five years?
I’m very encouraged by what has happened in the past three
months. I see our business continuing to grow. I think that
real estate in general is getting back to the essentials--not
the crazy real estate market that we had for a while. We’re
getting back to basics, and people are really honing in on
what they want and what they need. That’s what we like to
focus on. I believe it is a really great time to buy right now- and people are starting to take advantage of that because
they are understanding it.
Saddle Creek Stir’Up
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July 2009
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Your Guide to Local Farmers Markets
Find a farmers market near your neighborhood - or check out
several in and around the Indianapolis area!
Binford Farmers Market
E. 62nd and Binford Blvd., Indianapolis
8am - 12pm Saturdays, now - October 24. Located in the
Hawthorn Plaza parking lot with a wide variety of fruits,
vegetables, and other fresh produce. Live music. Call 317841-0755 or visit
www.binfordfarmersmarket.com.
Green Market at Traders Point Creamery
9101 Moore Rd., Zionsville
4pm - 8pm, Fridays, now - October. Fresh produce, flowers,
artisan products, homemade jellies, organic meats, and
more. Call 317-733-1700 or visit www.tpforganics.com.
Indianapolis Farmers Market
Indianapolis City Market, 222 E. Market St.,
Indianapolis
10am - 1:30pm, Wednesdays, now - October. An outdoor market taking up an entire city block in the street between the City
Market and the City-County Building. Rain
or shine. Call 317-634-9266 or visit www.
indycm.com.
Broad Ripple Farmers Market
Broad Ripple High School, 1115 Broad
Ripple Ave., Indianapolis. Locally grown,
seasonal plants, fruits, vegetables, dips,
baked goods and more. Call 841-0755 or
visit www.broadripplefarmersmarket.com.
Carmel Farmers Market
Carmel City Hall, South Parking Lot,
Carmel
8am - 11:30am, Saturdays (except 7/4),
now - September 26. Fresh fruits and vegetables, flowers, plants, perennials, meats,
cheese, dips, salsas, baked good, country
eggs, cooking demos, live music, and more.
Visit www.carmelfarmersmarket.org.
Fresh produce is featured at the
Fishers Farmers Market.
Noblesville Farmers Market
Onsite Market, State Road 32, Noblesville
8am - 12:30pm Saturdays, now - October
31. A wide selection of locally grown fruits,
vegetables, plants, etc. Located next to
Riverview Hospital on State Road 32. Call
317-776-0205 or visit www.destinationnoblesville.com.
Fishers Farmers Market
11601 Municipal Dr., Fishers
8am - 12pm Saturdays, now - September
26. Offering fresh produce, live goods,
bakery items, specialty products, meat,
cheese and handcrafted gifts. Call 5780700 or visit www.fisherschamber.com.
Waterman’s Farm Market
7010 E. Raymond St., Indianapolis
9am - 8pm, now - October. A large variety of
produce and food related products throughout the operating season. Call 317-3572989 or visit www.watermansfarmmarket.
com.
Geist Farmers Market
Holy Cross Lutheran Church, 8115 Oaklandon Rd., Indianapolis
2:30pm - 6:30pm Thursdays. Flowers,
fruits, vegetables, cheese, honey, bread,
soaps and natural skin-care products. Call
517-0484 or visit www.hclc.in.lcms.org.
Wilson Farm Market
1720 E. 256th St., Arcadia
9am - 6pm daily, now - October. Food products, fresh produce, gift sets and baskets,
homemade fudge, hand-dipped ice cream,
and lots more. Call 317-758-5734 or visit
www.wilsonfarmmarket.com.
Bakery items like sugar cookies and
biscotti are popular.
Go Green Farmers Market
Lawrence United Methodist Church, 5200
N. Shadeland Ave., Indianapolis
4pm - 7pm, Wednesdays, now - September 30. Fresh
fruits, vegetables, meats, dairy products, baked goods,
foods and more, offered by a variety of vendors. Call 317546-1724 or visit www.lawrenceumc.com/farmersmarket.
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July 2009
Westfield Farmers Market
Walnut and Main Streets, Westfield
4pm - 8pm Fridays. Fresh produce, fruits, bakery items,
jams, cut flowers, plants, meat and handcrafted gifts. Call
867-2880 or visit www.dwna.org.
Zionsville Farmers Market
Hawthorne and Main Streets, Zionsville
8am - 11am Saturdays. Fresh fruits, vegetables, flowers,
baked goods and other products.
Gardening
Industry Expert
Green Conservation and
Protecting Your Yard
By Mike Cline - Perkins Landscaping & Rail Trail Gardens
GREAT SELECTION OF
SPRING COLOR ... INDOOR & OUT!
New At Rail Trail Gardens – “Kid’s Korner”
We have dedicated an area for kids to learn about growing plants,
along with toys, games and coloring books to use when they visit
the store. This spring we will have pots and seeds available for
the kids to plant and take home to watch plants grow.
4102 S. 875 E., Zionsville, IN 46077
317-769-6993
Mon – Sat: 9:30 – 6:00, Sun: 11:00 – 4:00
Save up to 50%
Early spring pricing on trees
Maples, Pears, Serviceberry, Birch,
Hawthorn, others available
When thinking about green conservation and protecting one’s
yard against insects and diseases, peopleoften feel that they
don’t know where to start to make a difference. One easy
way that most people can help conserve water is to apply 2
inches of hardwood mulch to the landscape beds each year.
Besides adding beauty to your landscape, this will conserve
moisture and reduce the amount of chemicals needed to
control weeds in bed areas throughout the year.
At Rail Trail Gardens & Perkins Landscaping we are happy
to help customers with any question or concerns that they
might have about their lawn or landscape needs. When you
are considering applying a chemical treatment to control
a weed or insect problem, make sure you have identified
the correct weed or insect that you want to control. It is
important to know its growth or life cycle to understand the
most effective time to apply an application to receive the
best control. If you have problems identifying an insect or a
weed that is invading your lawn, feel free to bring the item in
question into the garden center as we will be happy to help
you with identification and possible treatment.
Saddle Creek Stir’Up
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July 2009
13
Facial Plastic Surgery
Industry Expert
Real Results
By Catherine Winslow, M.D., F.A.C.S.
Revolutionary new treatment! Instant
results guaranteed with no downtime! 100%
satisfaction! Trials show amazing results! If
you have heard the above and thought, “Wow,
I should give that a try,” don’t feel ashamed.
Marketing forces have been hard at work to
capture the beauty sector, one of the biggest
moneymakers in society. So what SHOULD
you believe? Here are some general rules of thumb:
• If it is on TV, don’t buy it (if it sounds too good to be
true, it IS).
• It you see one product line sold, investigate other
recommendations for product lines (if you go to an office
that sells only elephants, an elephant will be what is
recommended for you).
• If you want results, look first at tried-and-true rather than
brand new and unproven technologies.
In my mind, the most influential technology improvements
were made 50-70 years ago, when chemical peels and
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Saddle Creek Stir’up
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July 2009
vitamin therapy for the skin came into being. Lasers have
proven to have significant detrimental effects to the skin
if they deliver results, and few results if the detrimental
effects are minimized. CO2 resurfacing, Thermage, Fraxel
and many others have not delivered promised results, and
many now sit unused in back offices. What does work?
Some recommendations to treat fine lines, dark spots and
aging skin:
• Chemical peels–different strengths deliver different
results
• Prescription strength Vitamin A (not over-the-counter)
at night
• Topical Vitamin C in the morning
• Hydration–both water and on the skin
• Sunblock and sun protection cannot be overstated
Simple, inexpensive and effective—just what the doctor
ordered!
Building Your Financial Foundation
By Kevin Clasen CFP, WestPoint Private Client Group
Life in the 21st Century offers challenges and opportunities.
Today, there are many financial strategies that can help
you reach your short-and long term goals. Your financial
professional can be a valuable resource as you review your
financial situation, ascertain your progress, and make any
necessary adjustments.
Once a year get organized and review:
1. Cash flow analysis - Does your income equal or exceed
your fixed and variable expenses?
contributing pre-tax dollars to an employer-sponsored
retirement plan.
2. Save for special goals – For every financial goal you
establish, you need to address the projected cost,
the amount of time until your goal will be realized and
your funding method. Plan your goals according to
priorities. Most importantly, establish an emergency
fund of at least three months of income to handle life’s
unexpected turns.
5. Manage unexpected risks – Life involves risk, which
could lead to financial loss. For example, you could
become disabled and unable to earn an income, or an
untimely death could cause financial hardship for your
family. Consider making insurance the cornerstone
of your overall financial strategy because it offers
protection that can help cover potential liabilities and
risks.
3. Enrich your retirement - Are you going to have enough
money when you retire? Pensions and social security
may not provide sufficient income to maintain your
current lifestyle during your retirement years.
4. Minimize income taxes – Many taxpayers reduce their
liability by taking advantage of tax breaks, such as
Kevin Clasen is a registered representative of and offers
securities, investment advisory, and financial planning
services through MML Investor Services, Inc., 900 East 96th
Street, Suite 300 Indianapolis, IN 46240. WestPoint Private
Client Group is not a subsidiary or affiliate of MML Investors
Services, Inc.
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July 2009
15
Optometry
Industry Expert
High-Definition Glasses
By Dr. Jeremy Ciano
We have HDTV and Blue-Ray DVDs, so
why not high-definition glasses? Free Form
Digital technology is available from a few
special lens manufacturers, and we are very
proud to offer them to our patients. What’s the
difference? Enhanced digital vision, achieved
for two reasons. First, the lenses are digitally
fabricated by a computer instead of being
hand ground by a technician. The precision
and accuracy are greatly enhanced by the computer’s ability
to create exact specifications. Second, the prescription is
now etched onto the INSIDE surface of the glasses instead
of the outside surface. This small difference in prescription
placement is HUGE. Based on the keyhole principle, the
closer the prescription is to your eyes, the wider your field
of view is. Most people have experienced the “swim and
sway” distortion associated with no-line bifocals. This has
been greatly minimized with the advent of putting the Rx on
the inside surface of the glasses. In fact, some of these new
digital no-line bifocals can give up to a 30% wider field of view.
We hope this will encourage those who have not been able to
“adjust” into their no-line bifocals in the past.
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July 2009
DIA Learning Centers to Sponsor Dyslexia Dash on July 25
In the United States, one out of five persons
has the medical condition dyslexia, which is a
neurologically based disorder that interferes with
how people acquire and process language with
varying degrees of severity. Dyslexics are bright
individuals with normal intelligence who, despite
conventional classroom experience, struggle to
attain the language, reading, writing and spelling
skills equal to their potential.
Please join us in raising awareness about dyslexia
by registering today for the Dyslexia Dash 5K
Run/Walk on Saturday, July 25. Sponsored by
the DIA Learning Centers, this fun family event
will start and finish at LA Fitness, 9763 E. 116th
Street in Fishers. Runners will start at 8:00 a.m.
and walkers at 8:05 a.m.
Proceeds from the race will be used to improve
dyslexia awareness in the community, and also
to help provide need-based scholarships for
students seeking service for dyslexia. Awards will
be given for top male and female participants in
10 age groups, and participants who are 6 years
old or younger run or walk for free. To register
for this event, please visit www.getmeregistered.
com, and click on “Dyslexia Dash.” Register by
July 17 to guarantee a t-shirt.
DIA Learning Centers Inc., is a not-for-profit clinic
doing business as Dyslexia Institutes of America,
which provides identification and treatment for
dyslexia. The DIA mission is to ease the daily
burdens for those with dyslexia and their families,
and to provide solutions for lifelong success. For
more information, contact Joanie Zigmond at
317-816-1512 or email [email protected].
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Saddle Creek Stir’Up
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July 2009
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Eliminate Your Garage Grime:
Simple Summer Clean-up Solutions
G
reen grass can finally be seen again and people
across the country are realizing they can’t avoid
it anymore. That’s right; summer is here and it’s time
to clean the garage. All winter long you kept the
garage door shut, but summertime means that door
is inevitably going to be open. You don’t want to be
embarrassed when the neighbors stop by, do you?
This year, after you’re done wrestling the two most
important summer accessories out of your garage -the grill and the lawn mower -- take the time to give
the space a thorough cleaning and update. There are
a number of simple steps you can take to clean and
organize your garage so that when your neighbors do
walk by, they’ll be amazed at the transformation.
Colorful, but still clean
Stroll by a dozen open garages and you’ll likely see
one common thread. All the garages are painted white. There’s
no rule against painting the walls of your garage something
other than white. But, choosing paint for your garage is
more than color. Garage paint has to be strong enough to
withstand grime, water and general dirt. Consider applying
a paint that is specifically designed for durability. Some paint
companies manufacture paint that is actually infused with
bonded ceramic beads that create an impenetrable film that
doesn’t allow dirt and stains to set in. So, if you’re cleaning
your lawn mower and happen to splash grassy, muddy water
on the wall, all you have to do is wipe it off with a wet rag.
The paint won’t become discolored or chip off.
Power wash and kitty clean
Once you have the walls sealed and painted, you can
now power wash the concrete floor without concern about
damaging exposed drywall. Many large home and hardware
stores will rent out power washers by the hour or day. Power
washing is relatively easy and you’ll be amazed at how
effective it is at removing dirt and paint splatter from your
garage floor.
Once the floor is clean, break out the kitty litter. That’s right;
kitty litter is an excellent absorbent and can remove those
hard-to-clean oil stains. Simply spread the kitty litter on the
stain and use a heavy object, such as a brick, to work the
kitty litter into the stain. Once it’s worked in, let it sit for a few
hours before sweeping up. After you’re all swept up, finish by
taking a stiff-bristled brush and some soapy water to clean
any remaining residue.
Waterproofed and weatherized
Notoriously, the garage is a receptacle for dirt, mud, salt
and water. Dirt and water from car tires, lawn mowers, snow
blowers and garden tools all seem to meld into one big mess
that defies cleaning. Not only does this mess make the garage
look bad, these elements can have a very detrimental effect
on your garage floor. One way to combat the wear and tear
is to consider waterproofing the concrete with a protective
coating.
Storage, not shelving
Just about every garage in America has the standard-issue
white organizer shelving. Though the shelving does provide
functionality, it still doesn’t look clean. All the car washing
sponges, bug spray, small garden tools and miscellaneous
tools are still visible and sitting out.
Instead of shelving, install storage cabinets. There are dozens
of industrial grade and strength garage storage cabinets
that will help hide all of the small items that you store in
your garage behind magnetic, closable doors. Even if you
still can’t seem to organize the items inside the cabinets, at
least they won’t be visible, and it will provide a much cleaner
appearance to your garage.
Once you’ve cleaned and sealed the floor, painted the walls
and housed all your miscellaneous tools and supplies in
storage cabinets, you’re ready for the fun part; relaxing. Plus,
the fact that these simple solutions provide lasting durability
means that next year, you won’t have to do this again.
Courtesy of ARA content
18
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July 2009
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July 2009
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Dental
Industry Expert
Canker Sores
By Dr. Elizabeth Lewis, DDS Indy Dental Group
Recurrent Aphthous Ulcers (RAU), also known as canker
sores, have plagued everyone at one point. The exact
reason we suffer from them is unknown. They can be linked
to diet, trauma, medications, heredity and chemicals we
place in our mouths such as Sodium lauryl sulfate found in
mouthwashes and toothpastes. They are amongst the most
prevalent complaints and causes for patient presentation
at the dental office. Minor ulcers generally develop on the
oral floor, cheek and tongue. Patient discomfort generally
presents as a burning sensation that results in a raised
white spot. This spot ulcerates, resulting in a very painful
lesion.They typically last from 10 to 14 days. While no cure
exists for RAU there are treatments available to alleviate the
pain. Various topical medications are available, including
Orabase with benzocaine, Anbesol and Orajel. Prescription
ointments are also available, such ad Kenalog in Orabase
and Aphthasol. If you suffer from persistent outbreaks we
can prescribe these for you.
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July 2009
CLASSIFIEDS
Services & Businesses
Auto-Detailing done at your home, this college student wants
to make you and your car happy! Self-professed car geek.
Call for questions/quote. Your car can look great. Please
phone Eric at 317-879-0706.
House/Pet/Child-Sitting-Responsible with references:
worked at a vet, had horse, have dogs/cat, child sat. DePauw
University May 08 grad going to college locally currently.
Conscientious and some hours of availability to help you with
your needs now. Rachel 317-442-2426 or 317-879-0706.
Customized In-Home Pet Sitting-While you’re away I will
keep your pet happy and comfortable in their own home with
professional, personalized care. Mid-day walks, daily visits,
overnights, bonded & insured. Brooke Cunningham: 697-4278
[email protected] www.happytails-indy.com.
CARPET CLEANING & STAIN CORRECTION--The cleanest
carpets you’ve ever had after a cleaning guaranteed. We
specialize in stain removal: pet stain/odor, Kool-Aid, paint,
nail polish & more. We also repair & re-stretch. 10% off w/ad.
ALL PRO 317-345-4300.
Home Improvement and Remodeling. Call R J & E for kitchen
and bathroom remodeling, basement finishing, decks, room
additions, siding and crown molding. Free estimates. Fully
insured. Accredited. 317-403-8931. Email at rje@rjecorp.
com. Website is www.rjecorp.com
Jays Moving Company: Since 1951 Jay’s Moving has been
boxing and unboxing Indianapolis. Highly recommended on
Angie’s List. We move people all over the state of Indiana. Call
us at 317-638-7033 or go to www.jaysmovingindy.com.
IMPROMPTU MUSIC is offering Private Piano/Keyboard,
Guitar, Cello, Violin, Tiny-Tot, Viola, Voice, Clarinet, Bass
Instruction at students’ homes by professional and degreed
pianists & musicians. Some are graduates of Butler University
& IU Bloomington with Master’s in Music. Teaching all levels
and ages 3 years and up, including adults. Musicians are also
available for parties, weddings, and other events. 317-946-3020
or @impromptu-music.com www.impromptu-music.com
I am a USA Table Tennis Association certified club coach and
formerly received training in China.Now offering table tennis
lessons for kids and adults. Call Kevin at 354-6462 for more
information if interested.
Web Design/Print Advertising for small business. Blue Seal Studio
is a growing, woman-owned Web development, email marketing, and
print design studio in Saddle Creek. Visit www.bluesealstudio.com or
call Maidy, 258-3504, [email protected]
NEW - Aurastella Jewelry Beautiful & AFFORDABLE sterling
silver & gemstones. Weston Ridge Resident. Call Kelly at 317442-2518 or shop www.kelly.aurastella.com. Book a party and earn
free jewelry!
I am 13 years old and have been playing soccer since I was 4, twice
per year. I am now offering private soccer lessons for $6-10 per
hour, depending on age, for kids 5-10 years old. For information,
call 815-8124.
Small Business Attorney. Thinking about starting a business, need
a contract reviewed, buying or selling a business, or have a real
estate matter? Contact me at 489-9183. Solo, affordable attorney.
Low rates and fixed fees. www.bvplegal.com
Licensed Childcare. Mon-Fri 7am-6pm childcare provided for
B/A school, FT, PT and occasional care. CPR/1st Aid/Safe Sleep
Certified & State Licensed. Mother of 3 kids (7y & 5y boys and 2y
girl) on Charity Chase Circle. 846-4590 or mompickett@sbcglobal.
net.
PET PALS- Now offering quality, loving care for your pet(s) in your
home or in my home. Five years experience specializing in care of
all types of pets. Located in Saddle Creek. Excellent references!
Contact Christine Ford at 317-750-8594 or [email protected].
Desktop Publishing Design Services. We can design unique
newsletters, brochures, flyers, posters, even birthday cards and
invitations! Also provide photo-retouching services! Please contact
Alex @ (317) 777-0821.
For Sale
Box Spring for Twin Bed--The box spring was only used for a very
short time and is in excellent condition. $15. Call 581-1420.
Qn sz sleeper gd cond-$400.matching club chr-$150(norwalk.
pine comptr desk-$100.pine entnment cntr-$75.flr stereo-$25.
china cabinet $400.00. entnment cntr $400. all itms obo-MOVING!
317-372-4085
Glass/Wrought Iron Kitchen Table, 4 chairs - $$300.00 Wooden
Kitchen Table, 4 chairs - $300.00 Baby Boy Clothes/Items
Leather Couch/Chair/Ottoman Set $500.00 8ft x 8ft Trailer
$150.00 Call 317-574-0146/Leave Message.
Outdoor patio set; 6 chairs, lrg glass table, umbrella w/stand.
White/beige. Good condition. $500. Other pcs. available. Moving!!
418-2818.
Ethan Allen wrought iron dinette w/4 chairs, glass top $350.
Corduroy chair and a 1/2 $50. 317-844-6384
For Sale--14210 Esprit Dr., 4Br, 2.5bath, 2500sqft and half bsmt,
ask for $258,000. Whole house of furniture, small appliance, yard
tool, baby item, electronics, and clothes for sale. 00’ Saab 9-5, 109k
miles, $5000 obo. Call 317-3852820 or [email protected].
Men’s 12-speed bicycles: 22” frame Puch Pathfinder and 21” frame
Lotus Challenger, $50 each, $90 for the pair. 317-706-8910.
Little Tikes Swing-Along Castle: fully assembled, very good
condition, retail $119, asking $45 cash & carry. Ride-on Thomas
the Tank Engine: sit & push with feet, 35 lb wt limit, makes various
engine sounds, retail $30, asking $10. 317-706-8910.
Yamaha Saxophone (YAS23) and Flute (225SII): good condition
per Paige’s, perfect model for students, $650/$350 OBO. Star Wars
Lego’s, Bionicles, Beanie Babies, Gundam models, Motorcycle
riding gears, Landscape tools, Toolbox, Fishing Poles, call 317815-1935.
Wanted
Looking for after-school care for kindergartener. If interested,
please email at [email protected] or call 317265-0152.
Looking for a tennis partner. Please contact Adi @265-2580, if
you’re interested to play.
How to Place a Classified:
Classifieds are a free service for
all residents. To place a classified, please go to www.capturemedia.com
and click on Classifieds. Submissions cannot be longer than 40 words
and will continue to run monthly until removal is requested.They need
to be received by the 12th of the month to be included in the following
month’s publication. If you wish to place a classified in any other Capture
Media publication, the cost is $25 per town per month.
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