How-To Guide - 2022

HOW TO CHOOSE A CHURCH

Choosing a church is a very personal decision because faith is personal. Whether you’re moving to a new city, you are newly faithful or converted, or you wish to join new congregation, your choice will reflect your beliefs and accommodate any subsets of beliefs you subscribe to.

Because there are literally hundreds of denominations existing in the United States — maybe multiples of the same denomination in some cities — choosing the “right” church can present a challenge. But denomination, of course, is not the only factor to consider when choosing a church.

At its heart, a church is a group of like-minded people who share a set of beliefs, values and norms. In most of the cases, the members

Pray to God for guidance while you look for a church, then determine what setting is important to you. Are you looking for a less-formal, more modern church with energetic sermons?

Do you need an intimate community or a mega-church?

feel as though they belong to a large, extended family and offer support, encouragement and emotional and material assistance to each other.

Growing in faith should be one of the goals in attending church services where fellowship can help you along. The right church can provide a foundation for your spiritual life. It could also be a boon for your social and personal life.

Pray to God for guidance while you look for a church, then determine what setting is important to you. Are you looking for a less-formal, more modern church with energetic sermons? Do you need an intimate community or a mega-church?

Do you have a particular faith?

If you are a Methodist, Baptist or Lutheran, being surrounded by people with similar beliefs will be important. Or do you prefer a nondenominational church?

Once you understand your needs, conduct some research. Look in your local newspaper, online or drive around your city. Ask friends and relatives about the churches they attend. People are often happy to discuss their experiences with you.

Once you have found some possibilities, visit several churches. Attend services with a positive attitude and ask questions of the members. Gather as much information as you can.

Sometimes having a friend along will help you feel more at ease. Speak to people sitting near you,

or speak to the pastor after the service. Take home any literature offered.

Afterward, reflect on your experience. Does the church’s statement of belief match yours? Sometimes churches are known for their service to the community. If volunteer work is important to you, find a religious community that has programs for soup kitchens, homeless shelters or even local parks.

Were you comfortable sitting in the church or were you itching to leave? Did the pastor hold your attention or were you bored?

Knowing your values will help you select the right church. Worship and spirituality are deeply personal. Sometimes different family members may attend different churches.

When you find a church where the pastor or minister seems to be speaking to you and the congregation feels like family, you have found the place where you will be the most comfortable and get the most out of the experience.

HOW TO CHOOSE A ROOFER

Roofs are designed to withstand many years of abuse from the elements, but even the best can erode. You should inspect your roof on a routine basis, and if you notice stray shingles, a leak or falling debris has damaged your roof it may be time to replace part or all of it.

Roofing is expensive, so you’ll want to engage the services of the best contractor you can find to do the job.

Your first step in finding a reliable roofer is to ask your family, friends and neighbors if they have recommendations.

You can also look on the Internet for roofing contractors in your area. Some websites offer lists of professionals, along with reviews of their work.

Personal recommendations will give you the best information. Be sure to focus on the quality of work as well as the cleanup process. You don’t want scraps of shingles and nails left over after the contractors have gone home. Don’t hire professionals who leave debris after they are gone.

Pick someone with a long track record in your community. Some contractors travel the country looking for work. They appear after a community experiences a natural disaster or heavy storm. These contractors are making money from the insurance claims. If you hire one of them, they cannot provide realistic guarantees for their work. After all, they may be on the other side of the country if your roof starts to leak again.

Before work commences, you must receive a written contract from the roofer. Read it over carefully. It will state the type of materials to be used, what the work will entail and the final cost.

Becoming acquainted with local contractors is especially important if you live in an area prone to high winds or hurricanes. It is good to know who to call if your house needs repair work.

Once you have contact information for several roofing contractors, call them. Inquire about the company’s background and how long they have been in business. Generally, a good roofer should offer a guarantee between five to 12 years. If the company has been in business for less than five years, it will be difficult to determine the quality of their work.

Continue to ask questions

about time frames and estimates. You should always get a written estimate before proceeding with any work. Communicating with the contractor will let him know that you will be taking a hands-on approach to this project.

Find out if the roofers recommend standard or architectural shingles, what they will do if they find damaged decking, and when they might be available to start. You should also ask about the warranty and whether you can have it confirmed in writing.

Every professional who works on your property should be licensed and bonded. Insurance is

particularly important for roofing contractors. They should be able to cover any damages they might cause to your property. It is also essential that workers are covered under their insurance as well, in the event someone is injured during the job.

Before work commences, you must receive a written contract from the roofer. Read it over carefully. It will state the type of materials to be used, what the work will entail and the final cost.

Following these tips will help you find the best roofing contractor in your community. You can rest comfortably knowing that you made the right decision.

Personal recommendations will give you the best information. Be sure to focus on the quality of work as well as the cleanup process. You don’t want scraps of shingles and nails left over after the contractors have gone home.

SEVEN STEPS IN THE HOMEBUYING PROCESS

STRENGTH. SERVICE. STABILITY.

In today’s ever-changing mortgage environment, SWBC Mortgage Corporation strives to be a guiding force to help clients through the complicated mortgage process with knowledgeable, caring staff that appreciate the stress than comes with a home purchase — a big financial investment and move. SWBC Mortgage offers lending programs such as VA, TXVet, FHA, USDA/Rural Development, and Conventional Conforming loans. So, if you’re ready to begin the homebuying journey, it’s good to know the seven most important steps so you can be better prepared to purchase your home.

1) PRE-APPROVAL FOR A MORTGAGE.

It is important to understand how much home you can comfortably afford. Your loan team will review your financial situation to help strengthen your buying power.

2) FIND YOUR DREAM HOME.

Once pre-approved, you can then work with a real estate agent to find your dream home. Your agent will then help you negotiate and execute a purchase agreement.

3) APPLY FOR YOUR MORTGAGE.

You can apply online in minutes using SWBC Mortgage’s TurnKey® application, a simple and secure process that will guide you through this process. Once you begin your application, TurnKey will securely save your information, and you can then complete the process at any time.

7) 4) LOAN PROCESSING

After your home is under contract, your mortgage provider orders an appraisal, then your application will be managed by a loan processor. They will help you determine what supporting documentation will be needed to help you qualify for your new home loan.

5) LOAN UNDERWRITING

During this stage, an underwriter will review all of your documents, including the appraisal report, then provide an approval decision. The underwriter will also indicate any additional conditions that may be necessary for you to get loan approval.

6) PRE-CLOSING

Before your lender can close on a home loan, they will ensure all underwriting conditions have been met, then finalize all loan requirements. By this time, you will know the exact amount of funds you’ll need to provide. Your lender will also inform you of the date and time for your closing, usually scheduled with the title company.

CLOSING

After you have reviewed the final numbers in your Closing Disclosure, you’ll execute and sign all of your loan documents. Congratulations, homeowner! This is the last step to finding the happiest way to your new home!

ABOUT SWBC MORTGAGE

A full-service mortgage lender headquartered in San Antonio since 1988, SWBC Mortgage opened its Killeen branch in 2009. Leslie Lovett and Jimmy Alexander, both Branch Co-Managers, who have over 50 years in combined mortgage lending experience, serve the residents of the Killeen, Temple, and Belton communities.

SWBC Mortgage Corporation, NMLS #9741, check licensing at www.nmlsconsumeraccess.org. Loans subject to credit and property approval, restrictions and conditions may apply. Not all loan programs or loan amounts available in all areas. Programs and guidelines subject to change without notice. Corporate office: 9311 San Pedro Ave., Ste. 100, San Antonio, TX 78216. © 2022 SWBC. All rights reserved.

CHOOSING A PROFESSIONAL SERVICE PROVIDER

Suppose you are fortunate enough to be moving to Central Texas for the first time. As with moving to any new area, you may be depending on friends, relatives, work relationships, or social media to make some of the significant connections you will be needing.

Choosing a family practice physician to care for your family is near the top of the list; you need that go-to person when a family member’s health is in question. Making the right choice for an attorney to review all the paperwork you will be signing to ensure it says what you think is very important.

Unless you are renting, you will also be purchasing a place to live. It may be your first home which

can be overwhelming with all the unfamiliar activity surrounding a real estate transaction.

Having the home inspected can remove some of that anxiety by providing advice about whether you made the proper selection. The home inspection can be compared to giving the house a physical. Just as seeing a doctor, the best advice comes from a veteran home inspector that may have the knowledge & experience of thousands of inspections over many years to draw upon in providing your report.

Home inspecting is a full-time profession. The practitioner’s experience can be all that separates you from being a champion to the family for finding

an incredible home to live in or the alternative of living a nightmare with costly repairs and sleepless nights wondering what happened.

Whether it’s a physician, attorney, or home inspector, the biggest challenge in selecting an experienced professional is TIME; or the lack of it. You need the physician today or the home inspector tomorrow.

If you wait until you need one to start looking, you’re already behind the power curve; you are pressured to take the first one available, which may not be the best choice for your needs. So start now, or the day you decide to purchase a home. Also, know what you need to ask. Remember, you are interviewing the home inspector;

you are the employer; the home inspectors are the employee. #1 mistake, price matching professional services. It works for comparing identical products like TVs & trucks, but not doctors, attorneys, and home inspectors’ experience & knowledge.

FYI: All inspectors in Texas are licensed by the Texas Real Estate Commission and mandated to have E & O insurance.

Established in 1978, Rinehart Real Estate Inspection Service

SKILLS & KNOWLEDGE INTERVIEW QUESTIONS:

• How long have you been licensed as a home inspector?

• How many inspections do you average per year? (knowing quantity is not everything but does add to the experience base.)

• Are you licensed or certified in other advanced specialties used to enhance inspections?

• Are you a full-time inspector? (should be yes, would you use a part-time doctor?)

performs over 3000 home & building inspections annually with three support staff and eight full-time inspectors holding over 85 licensures and certifications, including backflow certifications, new construction, commercial & residential building inspections. We also provide advanced inspection services, including TDA WDI Termite inspections, TDLR accessibility, VA & FHA compliance, energy audits, blower door & duct performance testing.

• How long does it take you to inspect the average size home? (Average 3 hrs, less than 2 hrs-red flags)

• What is the average time to deliver the report? (Texas requires within 2 days from inspection/ payment)

• Do you use any specialized equipment such as Infrared Imaging, moisture meters, electrical analyzer, gas detectors?

Having the home inspected can remove some of that anxiety by providing advice about whether you made the proper selection. The home inspection can be compared to giving the house a physical.

HOW TO CHOOSE A PROPERTY MANAGEMENT COMPANY (Brought

to you by Colonial Properties)

If you’ve invested in apartments or business real estate to increase your financial holdings, among your primary considerations should be the selection of a professional property management company to oversee the upkeep and maintenance of your investments.

Keeping renters happy by responding quickly to problems, maintaining landscaping and upkeep of amenities such as pools can only increase the value of property.

A good property management firm can easily provide a multitude of valuable services that can make your life as a property investor easier. That said, your property manager will make critical decisions on your behalf making it extremely important that you do your homework during the hiring process.

Here’s what you should look for in a property management company.

SERVICES

A property management company can assist with documenting the condition of your properties, coordinating lease agreements, managing cleanup and preparation for renters, creating financial reports, making inspections and dealing with repairs and maintenance.

The best property management companies can even assist you in finding good tenants. Depending on your contract, the manager could advertise, accept applications and then select the tenant on their own. They could also collect the applications and let you choose the one who is best qualified for the lease.

A major advantage of working with a property management firm is that they usually work with high-quality contractors who can do repairs at attractive rates. Home repair professionals might work for discounted rates if they know they will be getting steady work from a company that manages multiple properties.

The services offered can also be tailored to fit your needs as a landlord. You can negotiate with the property management company for specific services, depending on how hands-on you want to be with your investment.

PRICES

Management companies usually charge a percentage of the monthly rent as their fee. This percentage can vary dramatically from location to location and even between different companies in the same city. These differences come from market conditions, state laws that make property management more or less complicated, or the level of services performed.

When researching management companies, be certain you know their background. You must also understand what work they will or won’t do for the monthly fee. Inquire about additional charges that may not be covered in their monthly rent percentage.

Get a copy of their contract and

understand all the details. Consult an attorney if necessary.

EXPERIENCE

State laws and local regulations vary dramatically across the nation, so you’ll need to find a property manager with plenty of experience in your local market.

Eviction laws are just one example of where experience and knowledge matter most. The rules and procedures for eviction must be followed precisely. Hire a company that knows exactly what to do to evict a tenant in your locale, and you should also ask what fees will be involved if you have to go through that legal process as a landlord.

Evictions aren’t common, but it pays to have a property management company that has experience to handle any issue — no matter how complex or unpleasant — that might arise from leasing your property.

A skilled property management company will give you the best benefit of all: the ability to sleep peacefully every night.

If you own a vehicle and manage to avoid dents, nicks and scratches, consider yourself lucky. But even the most careful drivers finds themselves in situations out of their control. Debris can fall from passing trucks, other drivers miscalculate in parking lots and random accidents occur every day, all conspiring to damage your vehicle.

If the extent of the damage is severe, you’ll find yourself in need of a good auto body shop to

HOW TO CHOOSE AN AUTO BODY SHOP

return your car to its printing form. Not surprisingly, shops specializing in this service can vary in quality, reliability and cost. It’s not unusual for auto body repair estimates to differ by hundreds if not thousands of dollars. To get the best work at the fairest price requires an investment in time and asking the right questions.

Choosing the right body shop depends on many factors, such as the extent of damage, whether the costs are born by yourself or insurance, the experience of the

shop with your make and model of vehicle and the shop’s history and reputation, among others.

Paramount to your search is finding an auto body shop that’s honest, trustworthy and dependable. That choice will ensure that your vehicle is repaired quickly, affordably and correctly.

The shop you choose should be able to complete all manner of work, from a minor touch-up to a full-body repair.

Your friends, family and colleagues might have

recommendations. After all, auto body shops are an unfortunate, but necessary, part of life for most people.

Have a list of companies, research each shop on the Internet and read customer reviews.

Testimonials, negative and positive, should be considered. But keep in mind that no business has a 100 percent satisfaction rate. Someone will always be displeased. Also, more people are likely to leave a negative rather than a positive comment.

A good source for finding an auto body shop is your local newspaper. Local businesses advertise and many times you can find special deals to help save you money.

Once you have created a list of shops, contact them on the phone and ask pertinent questions. How long have they been in business? What are their specialties? How soon can you bring your vehicle in for an inspection?

Ask to set up an appointment for a free inspection. Then further investigate the business. Look around their lobby. Is it clean? Do they have

their license and any awards or certificates posted? Do they care enough about their customers to offer reading material, coffee or water?

Consider prices. Are they comparable to other body shops? While you want to find a great deal, cheaper is not always better. Understand that you will often get what you pay for when it comes to auto body work.

Low prices may be tempting, but they typically mean sub-par work, used parts and paint that is incorrectly applied.

Feel free to ask the manager or owner for references before they work on your car.

You can also check their previous work. When you see a car with paint drips, panels that

are misaligned or paints that don’t match, look elsewhere. You will not save money if you need to have the improper work redone.

The shop should inspect your vehicle for repairs that are not readily visible. Often, there are hidden damages that cannot be detected until repair work begins on the vehicle.

Finding an auto body shop may not be the most pleasant business because it usually means your vehicle has suffered some kind of damage. But finding the right shop will make the experience much more pleasant and you will be happy with the repairs. Especially if you find the right shop that knows how to repair your vehicle so it looks the same as before, or even better.

If your HVAC system breaks, it CAN be a huge nightmare –especially during times of extreme temperature. Even in moderate weather, the HVAC system in your home is important for your comfort and safety. It’s important to have a good HVAC company on standby. The best HVAC contractors are helpful and reliable, but a lousy contractor can cost you additional money, head ache and heart ache. Word of mouth will go a long way toward helping you find the most recommended professionals in your area. Create a list of candidates and search there reputation online. Upon narrowing the list, call the remaining ones and ask about pricing, guarantees and warranties. Also ask if they have a workmanship warranty and guarantee their work.

If you are purchasing new equipment, choosing the right HVAC contractor is vital to how efficient your unit will operate and how long the equipment will last. Company A may not have the same training and quality procedures as Company B, meaning they could be installing the same exact equipment but Company A’s system will last 10 years and constantly break down

HOW TO CHOOSE A HEATING & AIR COMPANY (HVAC)

and Company B’s will last 20 years with no hiccups. The best contractors register the equipment for you to ensure you get the full 10 years of warranty. If your heat runs off Liquid Propane (L.P.) gas be sure that the contractor has been registered with the Railroad Commission of Texas, if they are not registered then it’s best to avoid the contractor as they do not legally have permission to install the system. Only a few local HVAC contractors are registered. Price should not be the most important factor when choosing the right HVAC Company and here’s why, many times, the “low bidder” is going to leave out essential components in order to cut costs but these will certainly cost you much more over the long haul. An example, most systems that are being replaced are using R22 refrigerant which operates at about half of the pressure of the newer R410a refrigerant, this makes it highly important that the copper lines are changed while upgrading the system, you wouldn’t buy a brand new car and takes the wheels off your 20 year old trade in to put on the new car. Other essentials that need to be tended to when installing new equipment is being

sure that the PVC condensate line is changed, a new sub-floor is installed (on upflow/ closet applications), a new thermostat and a new condenser pad. High quality HVAC companies are fully licensed, bonded and insured. If a worker is injured or causes damage to your property, that insurance should cover it. It is a good idea to ask for a copy of their Certificate of Insurance to verify. Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include Air Conditioning Contractors of America (ACCA) & North American Technician Excellence (NATE). Membership in one of these organizations is not automatic. Applicants are required to have and maintain certain certifications, and meet professional standards.

Before any work begins, verify that all the required building permits are in place. Most companies will file permits on your behalf at the local building codes office. But don’t assume that it has happened. Work done without proper permits could result in a fine and time delay.

Ask if the technicians and installers are factory trained and if they regularly go to training to stay

up to date with all of the new and changing technology. The Department of Energy warns that over 90% of HVAC systems are not properly charged with refrigerant, losing you anywhere from 30%-50% in efficiency, be sure that they have electronic gauges to properly charge your HVAC system.

A brand new unit that isn’t charged correctly can take you from a 20 SEER unit to a 10 SEER unit. The HVAC company shouldn’t use the old unit to determine the proper size of a new one. If your old unit was inadequate, you will want to install a unit that is a different size. Speak with your HVAC installer to determine the right size and model for you. Load calculations are an excellent way to verify that you are installing a properly sized unit. Top tier HVAC contractors know this and will include a load calculation for safe measure.

Ask your HVAC contractor if they offer an annual preventative maintenance program. Most legitimate contractors will have multiple levels of protection that will cover everything from basic maintenance to comprehensive plans that will include things like no overtime and cleaning the blower.

Is your HVAC company also an indoor air quality specialist?

There have been more advances in the last 10 years than the 50 years prior. With the right HVAC company you can be breathing fresh, clean air and greatly reduces allergens, VOC’s, viruses and bacteria in your home. We even have air cleaners that are proven to kill Covid-19. With these tips, you can choose a reliable HVAC business that will help you for years to come.

If you are contemplating on purchasing a new system, there is no better time than now. Starting 1/1/2023, the Department of Energy will be implementing a new platform and new efficiency standards.

The industry is anticipating a 3050% increase in the cost of HVAC equipment with the new standards.

If you still need help you can contact Ellis Air Systems, they have been in business in Killeen for over 30 years and are highly regarded in the area. They also continually help the civilian and military community alike, donating several systems a year to needy causes like their annual furnace give away around Christmastime and donating nearly $50,000 in equipment, labor and materials to Lee Crossley Veteran’s Community in Temple, helping homeless Veterans get back on their feet.

Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include Air Conditioning Contractors of America (ACCA) & North American Technician Excellence (NATE). Membership in one of these organizations is not automatic.

HOW TO CHOOSE A SOLAR ENERGY COMPANY

With electricity prices increases each month across Texas, renewable energy is showing just how low-cost and valuable it is. Getting the best long-term value for your home investment still largely results from picking a solar company that you can trust into the years ahead. Consider these qualities:

REPUTATION:

Reviews on Google, Facebook, and Solar Reviews are considered by many in the industry to be the “gold standard.” Many “Top 10” ads are simply clickbait ads to get you to input your name, then have your personal information sold to 3rd party “lead generation” companies. Get past these misleading ads by going straight to the websites of solar companies and see if the names of key leaders is actually there for you to read and see.

Reputation proven over time is evidence that the company is doing the right thing. Too many companies have come and gone so

look for local companies that have a long-term proven track record. What is long-term these days? Anything less than 5 years means the company might not have the track record to prove this viability to you.

THE SYSTEM

The residential “rooftop” marketplace is 98% saturated by Enphase and SolarEdge systems – for good reason. Those two brands meet National Electric Code requirements for “rapid shutdown” out of the box, with their own components. While other inverters are appropriate for ground mounts and non-rooftop systems, when they are used in a rooftop system, then 3rd party “rapid shutdown” devices must be installed and those differently-branded add-ons increase cost and potentially set up long-term reliability issues.

BATTERIES?

Today, nearly three of five installed residential systems have

battery energy storage systems (BESS) installed or are “BESSready.” Energy storage is much more than backup – it is the key to advanced home energy management where the solar inverter – with your installer programming – manages energy consumption. Want to use your own battery and stored solar energy at night – no problem. Does your electric cooperative offer less credit for energy fed back to the grid at different times – no problem, the optimum time of use profile can be set. Remember, you buy BESS for the backup capability, but you’ll love it for the energy management features it provides.

FINANCING OPTIONS

There has not been a better time to buy solar. Solar financing companies such as Sungage offer no-money down loans that make purchasing solar for your home easy and straight-forward.

Solar loans typically offer lower interest rates than home equity lines of credit, without the need

for complicated loan closings, fees, and reappraisals.

Your solar installer can input your system details and often within 30-minutes, your loan for solar can be approved. Battery energy storage can be included in your solar loan, with terms as low as 0.99% for 25-years. Sungage loans have no pre-payment penalty too so it’s a low-cost / no-risk way to finance solar.

Leases used to be popular in some parts of the country but I

think their time has passed since with a solar loan, you own the system and take the 36% Federal tax credit (P.S. – this Tax Credit reduces to 22% next year!) plus, a solar lease makes it very complicated if you do decide to sell your home.

Solar is cheaper than utility grid electricity right now.

Solar energy – even with financing – equates to having electricity produced at about 11-cents per kilowatt hour on a typical system, Compare that

with current retail electric plans where electricity is 16, 18, as high as 20-cents per kilowatt hour. Electricity has actually had higher inflation than gasoline but many don’t notice it…until it’s time to renew their electric plan. If you only filled up your gas tank once every two years, can you imagine that shock? That’s what you get today in Texas. Consider solar -it’s an amazing long-term investment that will protect you from energy inflation.

HOW TO CHOOSE GARAGE DOORS

Because of their size, garage doors form a large portion of your home’s exterior appeal. But they also experience a lot use, wear and tear, and can suffer from erosion faster than other areas.

As garage doors age, they can also become creaky from years, sometimes decades of use, making them difficult to open and close.

If your garage faces the front of the house, a new door could dramatically improve your curb appeal and change the overall look of your home. If you’re selling, worn, dated doors tend to say a lot

about the condition of the rest of the home.

A garage door is also an excellent security asset for your home, allowing you to secure your vehicle inside.

If you’re thinking about installing a new garage door, you may be surprised at just how many options are on the market — and how affordably they can be installed.

THE LOOK

Garage doors have seen an explosion in styles, materials and colors that are designed to match the architecture of any home, from rural barns to craftsman bungalows or sleek urban getaways. So if you thought your choices were limited to simple sheet metal styles, think again.

While you may already have an idea of the exact type of garage door you want to see installed, some homeowners seek the advice of a designer to help make the decision to pick the right style and color combination. Some garage door retailers will be able to help you visualize what the different doors would look like — complete with color and material samples, and perhaps even software that will show a picture of what your home would look like.

You should also pay close attention to the materials. Today’s garage doors can be made from expensive hardwoods, textured

vinyl, fiberglass or basic aluminum, all of which will have a big impact on the look and longevity of your doors.

Pay close attention to the maintenance needs of whatever material you choose. Some will hold their color longer than others, and real wood doors can require regular staining and sealing every few years to keep them looking spectacular.

INSULATION

Depending on climate, the insulation of your garage door can be an important factor to help reduce your energy bills.

Just like windows and insulation in your attic, garage doors come with an “R factor” rating that tells you how well they insulate your home from outside temperatures. This is especially important in heated garages. But even an insulated door on unheated garages can make a positive impact on your energy usage if it can keep the hot and cold weather away from the interior of your house.

In general, the higher the “R value,” the better off you’ll be. It is a good idea to pay attention to this in extreme climates.

LOCAL REQUIREMENTS

Before you make the purchase, you should also check to see if your city, county or homeowner’s

association has any special requirements for garage doors.

Homeowner’s associations, in particular, may have very picky requirements about what materials and styles can be used in your neighborhood. Make sure your choice meets with the approval of any local authorities or boards that control their use.

In this market, fiberglass doors are not used and we don’t sell them; they’re mostly available along the coasts since they are more salt resistant than steel doors. Most of the doors sold in our market are steel, along with a few aluminum doors which are really glass (full view) doors with aluminum frames. You see the aluminum frame full view type doors used in fire stations, restaurants and modern style homes mostly.

Wood doors are high maintenance, as mentioned earlier. I don’t recall selling one wood door since 2014 when I started working at Killeen Overhead Doors.

Re: safety features, it’s the openers that have the safety sensors that cause the door to go back up if it hits something solid or if something is blocking the sensors at the base of the door. The only safety feature that the door itself can have, other than proper installation, is the pinch proof (pinch resistant) design you mentioned (we’re a Clopay dealer and Clopay does not offer pinch proof garage doors).

On a side note, which may or may not be worth mentioning: The garage door industry, along with other steel product industries and the building industry in general, is still recovering from Covid related supply chain issues, excessive demand and steel tariffs. The ice storm of 2021 also put a huge dent in insulation materials used to insulated doors. These factors have caused much longer than usual lead times for building materials, including garage doors. Lastly, it’s best to go with a dealer who has a storefront and has been in business for a long time like Killeen Overhead Doors. If there is no storefront or business location, then buyer beware since you cannot be sure a supplier without a storefront or warehouse will be around longterm to warranty their work, have replacement parts, or have liability insurance in case of an accident.

SAFETY

A garage door is typically the largest moving object installed in any home, and safety should be a consideration.

Ask your garage door retailer about any special safety features on the door you select. It should have a design that won’t pinch your fingers or hurt small children if they get caught under it. Make sure it will be installed according to all applicable safety codes in your area.

OPENER

Finally, when you install a new garage door it’s usually a good idea to install a new opener, too. Make sure you factor this into the cost and explore all your options — including the latest models that can be closed remotely via smartphones and operate very quietly and efficiently.

HOW TO CHOOSE A NAIL SALON

Like most every in-person experience, the pandemic has had an effect on nail salons. But as the restrictions ease, more people are returning to salons after a long hiatus.

In terms of self-care, a trip to the nail salon for a manicure or pedicure is a top pampering experience, so it’s no wonder people are eager to resume this pleasurable activity. Nice nails instill self-confidence and add style and attractiveness to your hands and feet. And the best salons offer a relaxing experience as experts work on your nails, with music and sometimes a glass of wine to enhance your visit.

Chances are there are multiple salons nearby where you live. But proximity doesn’t always mean quality or professionalism. Unlike other spur-of-the-moment choices, choosing the wrong salon can result in an infection or worse.

traditional finish for your hands and feet, or a more modern look complete with intricate nail art, there’s likely a quality, hygienic nail salon nearby that can fulfill your wish.

Here’s what to consider while choosing a nail salon.

CLEANLINESS

It’s just common sense that the top thing that sets the great nail salons apart from the ones you want to avoid is how clean and sanitary they are.

Sanitation is an important issue in the nail industry because, while problems are rare, a poorly run salon can sometimes cause bacterial or fungal infections to spread. That’s why most states require licenses for nail salons and have procedures for how the tools, supplies and work spaces should be sanitized.

You’ll want to make sure your nail technician has the right license and training and takes care to ensure a clean working environment for all their clients.

To learn about their credentials and sanitation policies, just ask. A good salon will be open about — and take pride in — all the steps they take for safety.

ATMOSPHERE

Closely related to cleanliness is the overall atmosphere of the salon.

Does it make you feel comfortable when you walk in the door? Does it seem well-organized and decorated in a way that makes you feel relaxed? Does the smell of chemicals seem overpowering, or does it seem properly ventilated?

You can tell a lot about the quality of a salon by the feeling you get when you first walk through the door. A sparkling, welcoming, beautiful work space is a sign of good management and employees.

The cleanliness of the bathroom can be another sign of how well the business is run. The best salons will take pride in all aspects of their operation, down to the smallest details.

SERVICES

Top salons offer a range of services for keeping your digits and tootsies looking great, from traditional manicures and pedicures to the latest trends in nail care.

Ask what services are new and popular right now. High-gloss, CND-style shellac and gel nails are popular trends in many areas, but the styles and fashions in nails are

always changing. A good salon will be able to help you pick a great color or pattern for your nails and finish them to perfection.

Part of getting the right services involves good, clear communication with your nail technician. Make sure you find a technician who listens and responds to your needs — someone you can get along with and trust to do a fantastic job every time you come to the salon.

REFERENCES

Like most service businesses, the best nail salons will always have a good reputation in the community. Ask your friends, family and neighbors — particularly any friends with great-looking nails — what salon they use and how happy they’ve been with the treatments they receive there.

You can also look online or check with the Better Business Bureau to see what feedback you can find about the nail salons in your area.

In the end, you’ll be able to find a great salon that can keep your fingers and toes looking happy, healthy and beautiful.

“You can tell a lot about the quality of a salon by the feeling you get when you first walk through the door.”

HOW TO CHOOSE A CHIMNEY PROFESSIONAL

When people think of chimney sweeps, they often think of the sooty characters popularly portrayed in movies with top hats and whisk brooms.

Modern chimney professionals bear little resemblance but still occupy a crucial role in keeping your chimney operational.

A fireplace offers charm, warmth and character to any home – and can be an essential source of heat during an icy power outage. But it can also present a danger and health hazard if not properly inspected, cleaned and maintained on a regular interval.

Inviting fire into your home is inherently a dangerous activity. With the potential for fire and heat to transfer to the structure of your home, and toxic smoke and undetectable carbon monoxide to enter living areas, it is imperative that any fireplace and chimney

system is up to the task of safely hosting a fire!

In addition to routine cleaning, it is essential to hire a chimney professional that is able to inspect your system and identify any potential hazards that may increase the risk to your home and family’s safety.

If you think you may need to enlist the services of a chimney professional, here are a few things to consider:

INSPECTION FREQUENCY

First, it’s good to know how often you should have your chimney inspected.

According to the National Fire Protection Agency’s standards, “Chimneys, fireplaces and vents shall be inspected at least once a year for soundness, freedom from deposits and correct clearances. Cleaning, maintenance and repairs

shall be done if necessary.”

Even if the chimney hasn’t been used, chimneys should still be inspected to prevent leaking, animal intrusion, and other deterioration over time.

If you have recently purchased the home, have had weather damage or foundation issues, or simply haven’t had the fireplace inspected in several years, fire safety standards require a Level 2 inspection to determine if your fireplace is usable.

Far too few homeowners follow that advice, leaving them at risk for a chimney-related house fire or other dangerous conditions.

WHAT TO LOOK FOR

Like any professional you have working in your home, chimney technicians should be experienced, knowledgeable, capable and great at serving their customers.

Unfortunately, a professional with all those qualities isn’t always easy to find.

Ask around for references. Your friends, family members or coworkers may have used chimney maintenance providers in the past. So ask what they thought about the services provided. Did they bring the appropriate cameras and technology to document their findings? Did they take the time to explain their inspection results and provide a copy of the report? Did they use HEPA-filtered vacuums and the right equipment to keep their work space neat and tidy, cleaning up any messes? Did they charge a reasonable price and show up on time to do the job?

The National Chimney Sweep Guild (https://www. ncsg.org/homeowner-hub) or a quick Google search are great resources for finding a reputable chimney professional. You should also ask the company if they have any certifications or current testimonials from happy customers.

INSURANCE AND CREDENTIALS

Perhaps the most important thing you should ask about is their insurance coverage and credentials.

Most homeowner’s insurance policies don’t cover injuries or damage that occur from people working on your property, so the individual or company you hire will need to have their own business coverage. Without a proper insurance policy, you could find yourself personally liable for any injuries or damage that happen at your house.

Using an insured professional protects you and your home – you don’t want to be on the hook for paying the bills if a chimney sweep’s work leads to damaging your property!

A chimney professional should also be certified and trained on all applicable fire safety standards and codes. The two main national certifying agencies are the National Chimney Sweep Guild and the Chimney Safety Institute of America. Both have searchable

databases that allow you to find and verify certified professionals in your area.

Always ask about insurance coverage and credentials – and, just to be safe, verify them!

OTHER CONSIDERATIONS

Chimney professionals often find themselves very busy in the fall and winter, which is the heaviest season for fireplace usage. Make chimney inspections part of your spring cleaning routine to get a faster response.

If you notice anything unusual about your fireplace, such as smoke coming into the house, animals coming in, or leaking, you should call a professional to check it out.

Fireplaces are wonderful amenities that keep our homes warm and cozy, but they can quickly turn dangerous if not properly maintained over time. If you haven’t had your chimney inspected recently, a good chimney professional will give you peace of mind.

DRONE PHOTOGRAPHY

MECATX, a local organization offers free drone photography and indoor and outdoor drone flying courses. The director, Dr. Daniel Kott, started teaching photography in 1956 while serving as the Commanding Officer of an US Army Reserve Engineer Topographic Unit at Mooseheart High School in Illinois. He also learned to fly light planes at that time in civilian life and the US Army.

During his military service, he

conducted research in medical imaging. Basic photography has become videography and now imaging. He developed a protocol “Picture Archival and Communication and Medical Area Net.” ( PAC-MAN )

When retiring in 1986, he started a local business locally with his daughter, Total Photo and Video ( TOTO-FOTO ), and did many high school senior photos, and weddings for several years.

After that he has been

mentoring youth in STEM/STEAM subjects, such as photography, videography, drone flying, electronics, and radio.

MECATX has a few fleets of micro and mini drones to use. These imaging techniques can be used by police, fireman, search and rescue teams, and hobbyists.

Anyone or group interested, such as school clubs, boy scouts, churches, may contact dfkott@ aol.com. See our Youtube channel MECATX.

When traveling for business or pleasure, many people use the internet to book flights and accommodations for themselves. It is convenient because you can do it at your leisure. Mostly it takes a great deal of time and most travelers miss out on all the details that can be used to their advantage by booking on line. Travelers who book with third parties like Expedia, Booking. com and others are the first ones to lose seats. All travel should be booked through a Certified Travel agency. Travel agents/ Travel consultants

HOW TO CHOOSE A TRAVEL AGENT

are professionals with many years of training and extremely knowledgeable about the travel industry.

Here’s how to find a travel agent:

WHAT TO KNOW

Eleven States require travel agents to be state- licensed. Many of these states only require the agency to have a license and pay a fee. Theses stipulations offer

no real protection for travelers. These are ways to discover if a person or agency is competent, knowledgeable and honest.

First of all, find out if the agency is a member of the American Society of Travel Agents. Being a member of (ASTA) does not ensure honesty and knowledge, they are a lobbying group. On the other hand, Airline Reporting Corporation (ARC) can levy fines and regulate unfair findings for the consumer. The International Airlines Travel Agent (IATA) does the same. These agencies ensure that Travel agencies are bonded for the protection of the clients and the Agency. They are bonded to accept cash and cards in case of fraudulent use.

All agencies and agents work through some type of Consortium. These consortiums differ and work best with Travel agencies and not at home agents who work through

third parties. Expedia, Travelocity, your credit card points, and many other at home agents are not secure and sometimes not trust worthy. Look for agencies that offer insurance on your big ticket vacation items. They will know the difference between insurance’s being offered. Some offer credit, others offer credit and some cash. The best ones offer all of your funds returned to you minus the insurance cost.

There is a difference between a full service agency and ones that specialize in certain areas. Some agencies won’t process airline tickets; others only provide assistance in certain areas like weddings, groups, and special events.

Full service agencies provide assistant with everything travel related!

Travel agencies have emergency operation plans for when/If things

go wrong. Most agencies don’t have 1-800 numbers any more but provide agents with cell phones and the clients are provided the numbers for 24/7 access. Credit cards are the number 1 form of fraud with travel being number 2. Agency employees have the ability to help all of the agencies costumers.

The industry changes every day and agencies have a required reading daily for current events.

Casa Blanca Great Escapes

Travel has on staff of Military personnel who have spent 15 year of international travel and security training.

When ever you plan to travel choose an agency like Casa Blanca that can take you from your front door and back to your front door! Never deal with someone you can’t reach out and touch when spending your hard earned dollars.

PARTY RENTAL COMPANY

Hosting a party can be an exciting prospect, but the details and logistics can be exhausting and overwhelming. Sending invitations and keeping up with the guest list, planning food, decorations and entertainment is often just the beginning of a long list of to-dos for the would-be party planner. So why not enlist some help?

Whether it’s a shindig for dozens of guests or a happy afternoon for neighborhood kids, a party rental business can be a big help in making your event a success. They can provide everything from seating and tents to cutlery and entertainment assets. For kids’ parties, they’re also an excellent place to inquire about inflatable bounce houses and other fun activities for rent. One very important thing to keep in mind is not all rental companies are the same, for example they don’t all have everything you need but can direct you to other rental companies in your area.

Whatever your need, you’ll want to pick a rental business with a devotion to excellent customer service and most importantly a devotion to your shindig.

After all, you don’t need to add the stress of dealing with spotty service to the many things on your party planning list. Yet Googling “party rental service” can be overwhelming itself, so knowing what to look for can make the process more painless. Here’s some things to consider when hiring a good party rental outfit.

SELECTION AND QUALITY

Not all rental companies are equal in size. Some have been in business for a year while others for 10+ years. The most important advice we can give is “If the company doesn’t have what you need, did they direct you to another business that does?” The bottom line is we all want our

customers to have a successful and stress-free event. The differences with most party rental businesses is that they don’t have everything. The products they provide vary both in quantities to pick from and the quality of their offerings.

Some rental companies place their emphasis on one event, such as weddings, children’s birthday parties or corporate retreats. You can see this from the supplies they offer for rent and how many different styles you must choose from.

A wide selection is important, especially if you’re trying to use a very specific color scheme or decorating theme and need lots of options at your disposal. The more choices available, the more likely you’ll be able to turn your dream

party into reality.

But like any service, you typically get what you pay for in party rentals. You need to know precisely what kind of quality to expect so your event will end up looking chic, not cheap.

ADVICE AND EXPERTISE

Another thing to consider is how experienced the company’s owner and staff are in the event planning industry. Let’s be honest, party rental businesses are not always event planners, but we come in a good second place!

Seasoned professionals are typically better than newcomers because they can think of potential questions to ask and problems you might have before you’ve even thought of them. They’ve been

around the block, so to speak. The best rental companies will have the personnel with the kind of background that will help you plan and execute the perfect party. They’ll listen closely to your needs and find ways to make your event run as smoothly and stress-free as possible.

PROFESSIONALISM

Unfortunately, not all-party rental companies are run by true professionals. The best ones, though, make their quality obvious by the level of service they provide. Because planning a party involves lots of communication, coordination, and detailed work, you need to find a rental company that responds quickly and professionally to your requests.

Does a real person answer the phones? If you leave a voicemail, do they respond promptly? Do they reply to your e-mails quickly and clearly? All these things can help point you in the right direction, so you’ll know what to expect when you work with them to plan your event.

Another sign of professionalism is that they’ve thought through your insurance needs. Party rental equipment can be expensive, and you can be on the hook for any damage your guests cause to the rental merchandise, for example. A good rental company will be able to walk you through insurance options to protect yourself, vendors, and the venue from potential problems.

HOW TO CHOOSE AN EVENT PHOTOGRAPHER

There’s almost no substitute for a professional photographer for your event. The best will work with you to understand your photographic priorities and offer a variety of services from digital or print stills to videography. Plus, they’ll free you to enjoy your event without wondering if a friend or relative is capturing “the moment.”

Hiring a professional event photographer will ensure your memories are expertly and artistically captured and perfectly preserved. They are passionate about helping others immortalize the most important moments of their lives.

Unfortunately, many people forgo the services of a professional photographer because they believe the service may be unaffordable.

And they have the bad pictures to prove it.

Don’t make the same mistake. Consider the following.

STYLES OF PHOTOGRAPHERS

Even though photographers have their own styles, they tend to use one of the following three styles in their work.

Some professional photographers have a journalistic approach. They do not stage photos. Rather, they prefer to record what happens.

The second style is formal. It is a more traditional approach. These photographers take mostly posed photographs.

Finally, some photographers use a mixture of both philosophies.

RESEARCH PHOTOGRAPHERS

First, look for on the internet for photographers in your area. Many photographers specialize in specific types of events. Be sure that the photographers who interest you match the type of event you are holding.

Photographers usually display their best work on the internet. Remember that everyone is capable of getting a good shot every now and then, but you should see wide range of striking images that displays their capability.

You can also use a helpful tool by the Professional Photographers of America (PPA) called Find-aPhotographer. It allows you to search the PPA’s database of over

28,000 photographers (by location or by name) — all of whom are subject to the PPA’s standards of excellence in photography. Follow them on Facebook and other social media. Professional photographers prefer to publicize their work using the latest technology. It will give you a feeling of their portfolio as well as how busy they are.

Once you have your list narrowed down to two or three, contact them to check their availability. High-quality photographers are usually in demand, especially during holidays and certain times of the year. It is essential to plan ahead.

You can also inquire with your social network about photographers they have used, especially if they have photos of themselves that you like.

INTERVIEW PHOTOGRAPHERS

When you find two or three photographers who are available, conduct personal interviews with each of them.

Explore their backgrounds and look at a complete portfolio. Ask each professional if he has ever worked with the

other vendors you have hired or are considering.

Find out about his plans for the shoot. Has the photographer ever worked at that location before? Will a photographer or assistant be shooting the event?

If there are particular shots you like, communicate that to your photographer. Look through magazines and show him pictures to see if he could replicate the look and feeling.

Inquire about whether you will receive printed proofs, or if they are available through a private page for you or anyone interested in buying them.

A high-quality professional will be able to bring out the best in the subject. He will capture the essence of the moment and preserve it forever. You should be

offered several options concerning poses, prints, sizes, backgrounds and other elements.

Read the contract thoroughly before hiring someone. Professional photographers should be willing to give you a contract.

A deposit will hold your date. Expect to have it available at the signing of the contract. Also understand when other payments are due. Most photographers expect another payment when they appear at the event.

Choosing a photographer will often come down to your intuition. But don’t delay, as the best photographers are usually in demand.

And make sure you understand everything in the contract before you sign it.

HOW TO CHOOSE MENTAL HEALTH SERVICES

Millions of Americans struggle with a variety of mental and behavioral health issues. Many keep them under control, thanks to advances in medications developed to treat a wide range of afflictions, but others develop crises and need in-patient care at a facility.

When a mental health issue is identified, deciding what type of service is necessary can be confusing. Where to find help will depend on age (adult or child) and the type of disorder or symptoms experienced. But qualified professional assistance is more available than ever.

Here are some things to keep in mind when looking for a treatment center.

FLEXIBILITY

Everyone is different. Needs vary from person to person, depending on the diagnosis. One of your first considerations is to look for a center that does not offer a one-size-fits-all approach to healing people.

The best facilities will have a wide array of treatment options. Then they will tailor their services to fit specific situations. These centers will have a range of choices. At one end of the spectrum, there might be shortterm outpatient care that can be performed in any setting, much like one-on-one counseling. At the end, there is full-time, long-term inpatient care in a hospital setting.

But most cases will be somewhere in the middle of these two choices. An ideal care center will be able to offer custom treatments for individuals. Whether you are seeking short or long-term care, the staff will be able to match you with the best care for your needs.

TEAM APPROACH

When people think of psychiatry, they often imagine one-on-one sessions with the patient laying on a couch. In reality, mental health care may involve a multidisciplinary approach.

Psychiatrists and psychologists are just the beginning. Other behavioral and wellness

professionals can also assist in treatment.

There may be medical professionals like nurses and licensed therapists, along with social workers, case managers, teachers and therapists. It all depends on the diagnosis and desired outcome.

A good treatment center will be able to utilize a team of professionals who can work on a patient’s health from multiple angles for the most successful results.

FAMILY INVOLVEMENT

When family gets involved in the treatment process, treatment has a better success rate.

Mental health professionals appreciate the support that a family can give the patient.

In addition, some issues — especially addiction — often leads to emotional and stressful family struggles. It is essential that the whole family learns how to deal with these dynamics.

Education is key. The best treatment centers encourage honest, open dialogue among family members. The family must establish healthy,

clear communication about the issues they’ve been experiencing.

Emotional, mental and substance abuse issues do not affect just an individual. Everyone feels the impact in major ways, and all of those people can become involved in supporting the right health solution for the patient. And themselves.

ONGOING SERVICES

Reputable treatment centers will have a strong aftercare program. They will recommend a course of ongoing, continuing care to keep the patient on track with their recovery.

This last stage can make a big difference over the long run. It will help the patient ease into daily life while still receiving continuing care.

A mental health center should be able to arrange for ongoing services, such as outpatient care, support groups or recovery residences to ensure as smooth a transition as possible once the initial, intense stages of treatment are completed.

A good treatment center will be able to utilize a team of professionals who can work on a patient’s health from multiple angles for the most successful results.

HOW TO SELECT THE BEST HOSPITAL

In most cities of any size, people will have numerous choices in hospitals, and even those living in smaller or more rural ares are likely to have access to hospital care. But that doesn’t mean all hospitals are the same. Many large hospitals are run by health care companies, while others remain independent or are funded by the local community. While all hospitals offer basic care such as emergency services and surgery for a variety of common issues, some are better equipped than others to provide more specialized care.

Hospitals are also designed to provide a nurturing, comfortable environment to ease nerves and assist in the healing process. Many feature a broad range of amenities like food courts and coffee shops, gift shops and florists, libraries and spaces for worship and reflection.

A great hospital will have all these qualities, as well as striving to reduce infection rates, prevent mistakes and ensure open communication between staff, patient and families.

Here are some factors that can help you choose the best hospital in your city.

LOCATION

Location will play a large role in your choice. The hospital should be close to your home or workplace.

Some people will only have one hospital in their area. Choosing a facility that’s out of the way will

not only add to travel time, it is simply not practical. After all, when an emergency happens, you will need to get to qualified personnel as soon as possible.

But if you have a medical condition and an alternative facility farther away specializes in it, that hospital might be a good choice. You will have to balance convenience with your personal circumstances.

DOCTOR PRIVILEGES

Your preferred doctor should have privileges at the facility you choose. Physicians send patients to specific hospitals because it is convenient for them. They are familiar with the site and can use the equipment there. Check with your doctor about where he can practice.

Insurance carriers will pay some of the cost of services from a preferred provider, including hospitals. Verify which hospitals are in your carrier’s network. If you choose a facility that is not covered by your policy, you run the risk of incurring significant charges.

ACCREDITATION AND CERTIFICATIONS

Another consideration is what other features a hospital may offer. For example, a hospital may be accredited with the Joint Commission, an organization that verifies specific standards of care

within medical facilities.

Accreditation means that they are passing frequent performance reviews. You can be confident you are receiving quality care.

Awards and other certifications indicate that a hospital offers consistent care. The Magnet program recognizes excellence in nursing care and other aspects of hospital work.

Not all hospitals are Magnet certified. In fact, this award is only given to a select few facilities in the country.

Hospitals often have several areas in which they specialize. For example, two hospitals in the same city may offer care, but one specializes in gastro-enterology, while another has an advanced cardiac unit.

Choosing the right hospital for your procedure will ensure you receive the highest level of care. In fact, some hospitals will transfer patients to another facility if it has better equipment and specialists.

Determining the highest quality hospital for your condition will help you achieve the best outcome during instances of illness or injury. Since hospitals offer a variety of care and service types, be sure to analyze all the options before you decide.

By knowing the facts and keeping your own priorities in mind, you will make a wise choice when selecting the hospital that is best for you.

HOW TO CHOOSE A BANK

You might not recall when you last visited a bank. In our increasingly cashless society, the act of conducting your routine financial business in person is largely unnecessary. Most Americans today complete their transactions online or through apps, making even drive-thru tellers and ATMs almost a thing of the past.

While the internet has made banking easy and convenient, choosing the right bank is still among your most important financial decisions — whether or not you ever step foot in one again. If you haven’t had to choose a bank recently, you’ll find that even in the digital age the array of financial institutions vying for your business is

broader than ever. Which sort of bank you choose — a “name” institution, credit union or the new-money, internet bank — reflects your financial needs and how you wish to deposit and manage your hard-earned pay. No matter where or how you access your money, choosing the right bank to serve your needs still requires close scrutiny. Here are a few things to consider.

INTEREST RATES

Banks want to be competitive. One way they entice new customers is by offering handsome interest rates. It’s not uncommon for savings account interest rates to vary widely,

but the majority of institutions make adjustments according to changes in the federal funds rate.

If you think interest rates are inconsequential, you’re wrong. When substantial deposit amounts are involved, the difference a few percentage points on an interest rate makes can be significant. Use online resources and shop around for the best rates in your area.

FEES

Banks are also notorious for charging fees for certain transactions. A checking account may only allow a certain number of checks to be written each month before a fee is assessed, or maybe a minimum

balance is required to keep the account active.

Some banks offer free checking. But you should make sure that the free checking is really free. There may be stipulations such as being required to keep a minimum balance in the account at all times.

Look at a fee schedule to determine if it is acceptable to you.

CONVENIENCE

Banks with multiple locations in convenient areas are important. If you travel frequently, make sure your local or regional financial institution is a member of a national network. Some banks offer free ATM fees at another bank’s ATM.

Also, ask about their online banking policies. Is the bank’s website easy to navigate and secure? Online banking can be a great way to pay bills and transfer money between accounts.

OVERDRAFT SAFEGUARDS

We all make mistakes. Accidental overdrafts happen occasionally. Each financial institution has a different policy about these matters.

Many banks offer overdraft coverage in the form of a highinterest credit line. Other banks charge fees each time an overdraft occurs.

Other banks provide no coverage. Be sure to research overdraft policies before making a final decision.

STABILITY

It is very important to consider a bank’s stability. Before you hand money to an institution, check its history and financial condition.

Banks usually invest deposited funds under a fractional reserve banking system. Any bank with a strong balance sheet should be able to weather any turbulence

caused by market corrections. Most banks are also insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. This can vary depending on the type and number of accounts held by a customer.

If you understand these safeguards, your money will be safe in a bank. But failures are still possible. Still, a solid bank will limit exposure to toxic assets that put its balance sheet at risk.

SERVICES

Most banks offer a variety of services. Whether you need to get a loan or open a checking account, choose a bank that fulfills your needs with the fewest fees. It should offer the maximum conveniences possible.

Careful and vigilant shoppers will have positive experiences by making an effort to choose a trustworthy commercial bank.

HOW TO CHOOSE AN INSURANCE COMPANY

Insurance for your home, your car, your business and your life is a necessity of modern life. You want to protect your possessions from theft, loss or damage and you want to ensure your loved ones are provided for in the event you are disabled or lose your life.

When there is a loss, the last thing you want to have to do is figure out who’s your insurance company is when your life’s been turned upside down.

Insurance guarantees you peace of mind and protection, so choosing the right insurance company is a worthwhile investment of your time. But unless you know what you’re looking for in an insurance provider, you shouldn’t pick a company based on their marketing hype alone.

Premiums from company to

company can vary widely, as can the type of coverage they offer. So, before you purchase a plan, you need to understand exactly what type of insurance you’re buying and how it will affect your bottom line.

KNOW YOUR POLICY

You will have to take a look at the fine details and figures for each policy. If you are in the beginning of this process, insurance representatives should act more like teachers instead of salespeople. Your choices may be complicated, with a range of pricing options, deductibles and exclusions. A good company will give you choices, explain them clearly and let you make up your own mind.

While reviewing your options, make sure you are comparing similar policies. If a premium seems unusually low, it might have a higher deductible or more limitations.

It is important that you get as much information as possible about each policy before making a decision.

CUSTOMER SERVICE

Customer service always plays a key role in determining which company is best. If you’ve had friends or family who have filed insurance claims previously, ask them about their experiences.

Some insurance companies have better reputations than others.

Gathering all of these experiences

will give you a good idea of how you might be treated.

Each company has a different customer service philosophy. Some of them prefer to use a local representative to communicate with clients. Others will discuss policies through their website or a 24-hour phone number.

Many insurance companies, however, use a combination of these methods. They might give you 24-hour access to national representatives along with a local advisor.

FINANCIAL STRENGTH

An insurance company is only as strong as its balance sheet. Financial strength is especially important these days. Every insurer is independently rated based on their finances. An insurance agent should inform you of the company’s rating and tell you what it means. A good rating means the company can make a payout in the event of a catastrophic event. A reputable, stable, well-capitalized insurance company is also likely to have more coverage options.

While your insurance premiums are an important factor, it is just one piece of a complicated puzzle. Choose a company that will not only give you a fair price, but who will also be prompt and courteous in the event you have to file a claim.

The right insurance company will treat you well at every level of interaction, provide quality coverage, and pay out in a timely manner should there be an accident.

Read reviews of each company to determine who has the most satisfied clients. Are they easy to work with? Have there been any problems with collecting on a policy?

HOW TO CHOOSE AN ACCOUNTING FIRM

Changes to the tax code happen every year, making financial management decisions an annual headache for individuals looking for deductions and businesses seeking to take advantage opportunities.

Apart from taxes, many businesses need help with weekly payrolls and solid financial advice when investing or making purchases.

That’s why a professional, reputable and reliable accounting firm is necessary to manage finances, stay abreast of tax changes and offer strategies to protect and grow your business.

Because you’re trusting an accounting firm with your financial information, selecting the right company is key and interviewing several accounting firms before you commit is time well spent.

Here are some of the factors to keep in mind when you’re conducting your search.

DEPTH OF EXPERIENCE

The best accounting firms have teams of certified public accountants (CPAs), bookkeepers and other professionals who know how to navigate the labyrinth of accounting, tax and finance rules — some of which may be specific to your industry.

The top firms typically aren’t new. They’ve been around many years and have the depth of knowledge that only experience can bring. In an industry that constantly changes, having the stability and trustworthiness of a long-tenured firm in your area should give you peace of mind.

Ideally, you’ll want to find a firm that has a long track record of helping companies solve issues similar to yours.

BREADTH OF SERVICES

Knowing one segment of accounting with high level of expertise is one thing. Having experience and acumen on a wide range of topics is quite another. That’s why the best accounting firms also offer a long list of capabilities that can be tailored to fit any company and evolve with your changing circumstances. What you need right now may be very different from the services you need in a decade, especially if you’re growing.

A good accounting firm will be able to grow with you. While all accountants can do basic bookkeeping and taxes, you should find out what other services they can offer as the need arises. For example, a strong accounting firm will have experience helping you develop internal controls for good financial practices and be able to conduct audits to ensure they’re being followed. They may be able to help you develop a package of benefits to attract and retain the best employees, analyze your cashflow, manage your payroll and provide business valuation for sales or acquisitions.

Experience with mergers and acquisitions can come in handy

down the road, even if you don’t need it now. Most businesses at some point will either acquire other companies or be acquired, so having a trusted advisor through the process — before, during and after — can help make it a success in the long run.

Some accounting firms also have expertise in personal finance, something closely related to the goals of many small businesses. They’ll be able to help your company and you personally manage your financial future.

QUALITY OF SERVICE

Finally, like all service businesses, the quality of the accounting firm’s staff should be a top priority.

The best accounting firms will give you a dedicated person to contact with your needs, and they’ll be very responsive to your questions and concerns. You should get thorough answers that help you make the best decisions for your business.

The best firms will have a reputation for not just doing accounting work — something any accountant can do — but also developing long-term relationships that help their clients succeed.