How To Guide 2016 by The Farmville Herald

A helpful guide on how to do just about anything

The Charlotte Gazette

The Farmville Herald

— APRIL 2016 —

HOW

TO GUIDE

HOW TO GUIDE 2016

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Choose an auto repair shop

ooking to keep your car running great? Do you want to avoid large repair bills? There’s a simple solution: regular maintenance. Consider building a good relationship with a high-quality auto repair shop. It will make your life a lot easier when you have a need for unexpected repairs. Having such a relationship is critical regardless of your car’s age. At some point, the car will need tires, oil changes or even a new engine. If you have a relationship with a good auto repair shop, it will make it easier to take care of repairs and other maintenance issues. If you don’t have a regular mechanic, take your car in for a regular tune-up and maintenance. Since your car needs preventive maintenance anyway, take it to get an oil change or to service the air conditioning. This is

a great way to try out a shop to see if they meet your needs. Here are some other things to keep in mind when looking for an auto repair shop: • Most people choose an auto repair shop based on a referral from friends, family or coworkers. Less than 40 percent of new customers are walk-ins. • The Better Business Bureau can inform you about the repair shop’s performance and reliability. • People who travel often usually work with shops that offer a national warranty. For instance, a warranty of 12,000 miles or 12 months is handy for issues that keep cropping up, particularly in older cars. • Ask about the shop’s range of services. They will need the latest technology to diagnose problems with newer cars. For example, can your prospective shop handle brake systems, electrical components and warranty repairs? Does the shop provide a loaner, rental car or shuttle service while your car is being repaired? • Inquire about their customer satisfaction policy. Look around the shop. Is the equipment in good condition? Is it clean, well-lit and organized? These factors all contribute to a level of professionalism. • Look for brand names and proper certification. Does the auto repair shop use brand-name parts? These parts are engineered to meet the manufacturer’s specifications and will likely come with a warranty. Shops may use remade or generic brands which your insurance policy may not cover, so be sure to check. • Are the auto technicians certified by a specific car manufacturer, the National Institute for Automotive

Services or Automotive Science Excellence? Is the shop approved by the American Automobile Association? If so, this indicates a customer approval rating of 90 percent or higher and the ability to adequately perform the services advertised. When you locate the repair shop you’ve been looking for, look a little further into the organization and determine if it can perform body work. Making repairs to the body of your car, however small, requires the expertise of professionals. If you like what you have found in a repair shop, chances are you will like the results of their body work, too. You are looking for a body shop that is trustworthy and dependable and one that will repair your car, truck, SUV or minivan quickly, within your budget 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. 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. • Compare the services and fees of each shop in the area to find out the average price ranges. • Don’t pick a shop based on cost; poor repair work will mean higher costs in the long run. • Once you have found a shop you trust, establish a good working relationship with your mechanic. When you have great communication, getting repair work completed will be less painful.

HOW TO GUIDE 2016

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old! If you’ve ever held an auction, that word is music to your ears. And if you want to hear that word each time you hold an auction, you’ve got to hire a good auctioneer. The right auctioneer can be the key to helping you meet your financial goals if you are liquidating a business, selling off an estate or raising money for a good cause. Auctions can be mutually beneficial for participants and the host. And they are a great way to make a profit. But you’ve got to pick the right auctioneer. Here are a few things to keep in mind when searching for an auctioneer. Auctioneers are specialists, so you want to be sure find the right one to fit your needs. For example, if you’re

Choose an auctioneer

having an estate sell with a loved one’s valuables and antiques, you probably wouldn’t get the best results with a commercial or business auctioneer. Many auctions are personality-driven events, so be sure you select an auctioneer who is gregarious and personable. This person must have the gift of speech, a touch of humor and the ability to develop a rapport with the audience. The success of your auction will depend on how much the auctioneer can establish a relationship with the audience. The auctioneer will show your products off in the best light and entice participants to bid. If they have been in business for a while, they will likely have a following that will come to your auction just because of the auctioneer’s

Jimmy Carwile conducts an auction.

reputation. Look for an auctioneer at your local auction house. The best auctioneers are independent contractors with well honed skills and years of experience

getting results for clients. You can also utilize the Internet or your local newspaper to find a qualified auctioneer. Most newspapers have an auction section in their advertising section. If you use the Internet, be sure to visit the website of a certified institution. Not every site lists credentialed auctioneers. When speaking to candidates, be sure to ask for references and work history. Verify licensing and check that they are actively working auction events. After that, then sit back, relax and enjoy the show. Know that your goods will be professionally described and displayed. The auctioneer you choose will make sure of it. “A successful auction doesn’t just happen; it’s planned that way.”

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lowers talk. They say a lot about the person giving them, the person receiving them or the event they are decorating. A bouquet is the perfect gift for a housewarming, wedding, corporate dinner or birthday party. A beautiful arrangement creates a happy and celebratory atmosphere. Getting just the right flower arrangement is the key to your success. A professional florist will know how to make the colors, types of flowers and even fragrance work for your occasion.

RESEARCH THE FLORIST If you are purchasing a floral arrangement for an event, ask the venue staff for recommendations. They are often familiar with the best florists in

HOW TO GUIDE 2016

Choose a florist

the area. Popular florists are usually quite busy year-round, so begin the process right away. Family and friends may also have suggestions. Be sure to ask them for their experiences, as well as how much they paid for the services. Determine your flower budget, it will be a factor in your decision making. Also, look for floral arrangements in magazines. Clip out your favorite photos and put them in a notebook. Put a note about why you like these particular flowers. Once you have a list of florists who are available, call to make an appointment to visit and interview them. Most florists have a consultation fee that is usually applied to the cost of the wedding flowers.

INTERVIEW THE FLORIST The best florists have a wide range of options in their showroom. During the interview, ask if the florist has previously worked at your venue. Each facility has unique rules about what they will allow in their location. If the florist has worked at the venue, that is a big advantage. Inform the florist of your budget and ask for recommendations. The florist should be able to give you numerous suggestions about flower arrangements. Most florists have a scrapbook of their previous work. Each professional brings a sense of personal style to her arrangements. Discuss the arrangements you prefer. Perhaps the florist could produce similar arrangements. If you

are holding a large event, the florist might have recommendations about other event professionals. Once you have chosen your florist, be certain to confirm the type of arrangements you will receive. You should also know when the arrangements will arrive at the venue and who is responsible for placing the flowers in the appropriate spots. When you are pleased with a companyâ&#x20AC;&#x2122;s work, you might assist the shop with providing positive references and reviews. A professional florist will help you go a long way toward establishing the right environment for your event. The vivid colors and pleasant aroma will convey the right feeling for your special day.

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s the temperatures rise outside and financial pressures heat up, many homeowners are turning to unlicensed contractors to repair their HVAC systems — a situation with the potential for serious physical and financial dangers. The use of unlicensed contractors is an increasing trend tied largely to the struggling economy. As more professionals are being laid off, they are offering to do handyman jobs cheaply on the side. At the same time, homeowners are also struggling financially, and looking for the type of discounts an unlicensed contractor can offer. Although the cheapest price or going with “a buddy’s friend” might sound good, the results can be devastating. Improper installations — which can en-

Choose an HVAC company

tail incorrect wiring, improper venting, undersized ductwork, invalid warranties and a lack of guarantees — can be hazardous to your HVAC system, can result in uneven and inefficient heating and cooling and can even be fatal.

FIVE QUESTIONS TO ASK There are five key questions for homeowners to ask when looking for qualified HVAC contractors: • Is the contractor licensed by the state? Many states have websites listing the contractors and the licenses they hold. • Does the contractor have the right license for the work being performed? • Is the contractor a certified member of a professional organization? To obtain a designation of “NATE (North

American Technician Excellence) Certified,” for example, contractors must pass a rigorous test. • Did the contractor provide references, and have you solicited proposals to compare not only the cost but also the specific work to be performed and the materials used? • Is the contractor fully insured and bonded? This includes workers compensation insurance and general liability insurance for damage to your home or injury to the homeowner or the contractor’s employees. Relying on an unlicensed HVAC contractor may save you some money, but the long-term costs could leave you out in the cold.

HOW TO SAVE The warmer months are a great time

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to take steps to reduce your energy consumption at home, while saving money on cooling costs. When it comes to conserving energy, many people think that transportation is the most energy-guzzling sector, but it’s not. Buildings are — and that includes your home. Accounting for 40 percent of energy use in the U.S., buildings represent a significant potential for reducing energy consumption and greenhouse gas emissions, according to the American Society of Heating, Refrigerating and Air-Conditioning Engineers (ASHRAE). More than 80 percent of homes in the United States have air conditioning, and approximately 16 percent of residential electricity use is for air conditioning.

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icking the right insurance policy for your farm is vital to the success of your business. A sound insurance policy can make the difference in whether their business lives or dies in the event of an accident or other catastrophe. When you are in the market for farm insurance, here are some things you need to keep in mind.

INCREASED LIABILITY With the farming industry changing at a rapid pace, you may have more exposure to the prospects of lawsuits and damages. Contact with the general public, for instance, brings risk. Roadside produce stands, agri-tourism events and even “pick your own” fields bring

HOW TO GUIDE 2016

Choose farm insurance

a potential for liability if someone is injured or harmed on your property. You might also be held liable if someone gets sick from eating your crops. Meet with your insurance agent to talk about your changing needs when it comes to liability coverage.

UMBRELLA LIABILITY COVERAGE What would you do if a legal judgment against you was greater than your farmowners or auto policy’s Liability limits? If the Liability Limits under your current policies are not sufficient to protect your assets you should consider higher Liability Limits and Umbrella Liability coverage.

KNOW YOUR POLICY Farm policies are very different from

other insurance products. It is important to understand your coverage. When you meet with your insurance agent, ask the following questions: • Does my farm policy include enough coverage to rebuild my home and farm buildings if I suffer a loss? • Does my farmowners policy include farm business income coverage to help replace lost income while my poultry house, hog house, barn, etc. is being rebuilt after a covered loss? • Does my farmowners policy include equipment breakdown coverage to cover mechanical and electrical equipment for my home and farm buildings? • How is my equipment and livestock covered? Find an insurance agent who is spe-

cially trained in assisting clients with insurance and risk management for farms. Agents who have earned their AFIS (Agribusiness & Farm Insurance Specialist) designation have advanced training in their field.

FIRM STRENGTH Make sure you are dealing with an insurance company that has a strong balance sheet and good reputation. It is equally important to understand the company’s reputation for dealing with claims. Good insurance companies handle farm claims quickly, fairly and professionally. Knowing how to protect your farm, equipment and livestock, and getting the right coverage will protect you as well as give you peace of mind.

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odular homes are the affordable alternative to site built housing. Purchasing a site built home may be expensive but a modular home can be just right for your budget. A site built home and modular home are both built to the same “Boca Code” requirements, however, a modular is built in sections at a climate controlled factory, wrapped weather tight and shipped to the customers property. The advantage of the modular home never being exposed to weather, saving tens of thousands of dollars and taking months less to construct makes a modular home a wise choice.

THE DEALER At the dealership, you can choose a floorplan, options and price that suits

Choose a modular home

your needs. You may also include land improvements such as a clearing, well, septic, foundation, electric, decks, driveway and landscaping. Dealers are licensed, insured and can oversee construction from start to finish.

THE MANUFACTURER Each manufacturer has different home designs such as one story, two story, rancher, cape cod and roof pitches 7, 10 and 12-12. Typically production of the modular home will take six-eight weeks once ordered and another four-six weeks for construction to be completed. Take time to research your dealer, manufacturer and construction needs in order to make an informed housing decision that will bring you happiness for years to come.

Heartland Homes is located on West Third Street near Dowdy’s Corner.

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Decide if anterior hip replacement is for you?

irect anterior hip replacement is a minimally invasive muscle sparing hip replacement surgery. This new innovation in hip replacement surgery is unlike traditional posterior (back) and lateral (side) approaches which require cutting of muscles to reach the hip joint. Anterior (front) hip approach is a muscle sparing approach.

The anterior hip replacement allows patients to immediately bend their hip freely and bear full weight when comfortable, resulting in a more rapid return to normal function. After surgery, patients are instructed to use their hip normally without cumbersome restrictions. In supervised therapy, patients go up and down stairs before their hospital release.

WHAT ARE THE BENEFITS OF ANTERIOR APPROACH HIP REPLACEMENT?

WHO IS A CANDIDATE FOR ANTERIOR HIP REPLACEMENT?

Hip replacement done through this approach does not require cutting any muscle. It potentially provides quicker recovery, less pain and early discharge from the hospital. This procedure is done under x-ray control which allows the surgeon to restore the leg length more accurately and also allows for accurate placement of implants which potentially provide longevity to the implants. This approach also has a lower dislocation rate compared to the posterior approach.

Many people suffering with arthritis, hip pain, stiffness and limited hip movement can now choose this minimally invasive surgery when hip replacement is the chosen treatment of the patient and their doctor. Although the direct anterior approach may make sense for some patients, only your surgeon can help you decide what is best for you. To learn more about direct anterior approach hip replacement surgery & its advantages over standard surgical procedures call CMH Orthopedic Service in South Hill, Va. at (434) 447-7375 to schedule an appointment. Dr. Rupal Patel, orthopedic surgeon at CMH Orthopedic Service, specializes in hip and knee joint replacement surgery and is a member of the Medical College of Virginia Physicians (MCVP, the faculty practice group for Virginia Commonwealth University Medical Center). He is also an assistant professor in the department of orthopedic surgery at Medical College of Virginia (MCV).

HOW DOES ANTERIOR HIP REPLACEMENT IMPROVE PATIENT RECOVERY? Conventional lateral or posterior surgery typically requires strict precautions for the patient. Most patients must limit hip motion for 6-8 weeks after surgery. They must limit flexing of the hip to no more than 60 to 90 degrees which complicates normal activities like sitting in a chair, on a toilet seat, putting on shoes or getting into a car. Simply climbing stairs may also be more difficult during recovery.

HOW TO GUIDE 2016

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ursing-type facilities were once the only option for adults or young people with debilitating diseases who could not live independently. But in recent years, in-home care has become a viable alternative. Inhome care can provide just what you or your loved one needs for a more satisfying and productive life. Sometimes, seniors and young people incapacitating ailments can live at home with assistance. In-home care is becoming more common. Patients who need regular attention can still live at home surrounded by family and friends. It is the perfect compromise. Professionals visit the home of the patient to provide services. Not only

Choose in-home care

is it convenient and comfortable, it is typically less expensive than the care offered at a full-time facility. Many in-home care companies often specialize in services ranging from housekeeping and errand running to daily medical assistance. Talk to your loved oneâ&#x20AC;&#x2122;s primary care physician to help you understand your choices. The doctor can help you select a provider and help you determine the level of care required.

MEDICAL CARE Providers vary greatly in terms of the types of medical care they provide. Some offer 24-hour care while others are better with simple tasks, such as monitoring blood sugar or

Your Health Your Care Your Choice

reminding patients to take medication. If you are unclear about the exact level of medical care your loved one will require, ask your physician. The doctor will be able to tell you what qualifications in-home care providers should have in your situation.

PERSONAL CARE Caregivers can help with daily grooming, mobility and any special dietary requirements. They can help prepare meals or run simple errands.

COMPANIONSHIP Homebound people often need companionship. An in-home care professional will provide a friendly face and good conversation as well as general care. Quality in-home care providers

understand that patients also need mental stimulation and human contact in order to stay well. Everyone, including you, should be comfortable with the people who work for the company. In-home caregivers will quickly become part of your life, especially as they enter and exit the residence. The best in-home care provider is about finding the right combination of services. Once you have the right company, the patient will receive companionship and comfort. HomeRecovery-HomeAid is a local in-home care company that can provide all the in-home care services that you or a loved one may need to remain comfortable in your place of residence.

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HOW TO GUIDE 2016

Choose a propane company

Establish a good relationship with your supplier, particularly if you heat your entire home with propane. The best companies will work hard to develop a strong relationship with you. They will treat you with respect. If you use a propane-fueled barbecue grill, exchange or fill your empty tank at one of our convenient locations for the best service. Bringing your tank to a convenience store or big-box retailer may not give you the best value for your money.

ropane can be a great alternative to electricity. When the power flickers, you will be glad you chose to use propane. People in rural areas use propane for home heating, gas cooking, clothes drying, gas fireplace logs, pool heating and more. Propane is particularly popular in areas that lack access to natural gas lines. A quality supplier can guide you through the process of using propane. They can sell the fuel at a reasonable price and provide service and repairs. Follow these tips to help you select the best propane provider.

PRICE The first thing many people do when shopping for a propane provider is check the price. For example, the company with the cheapest propane prices may have a

RELIABILITY Regular customers to any business often get better service.

lot of extra delivery and service fees that add to your cost. They also might have poor service or unreliable trucks that will let you down when you need propane the most, so you’ve got to look at more than the cost alone. Another thing to consider is what kind of contracts the provider allows. Parker Oil & Propane offers: • Automatic delivery — Makes your fuel delivery hassle-free and a smart choice. Your fuel comes on time and you don’t have to watch your fuel gauge or get on the phone to schedule a delivery. • Budget plans — Spread your annual cost over 10 equal payments from August to May. Homeowners find this plan makes it easier to plan their finances with the convenience of even

payments throughout the year. • Cap plans — You have the security of never paying more than an agreedupon price per gallon. You lock in a price for the entire season and it will be the highest price you will pay, no matter how high prices may go.

SERVICES Some propane companies are also capable of servicing your home’s heating system when it needs repairs or maintenance. You should ask what services are available other than simply delivering propane, because you never know when you might need it. You should also know whether the company offers 24-hour emergency service and automatic deliveries to keep your tank stocked.

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ew flooring can transform your home. It can increase its appeal by giving it a new look. It can make rooms look bigger or smaller, lighter or more elegant. You have a myriad of flooring options, including carpet, hardwood, bamboo, laminate, stone and ceramic. With so many options, it is important to choose an experienced flooring dealer. You will need guidance on which brands and types are durable. When picking the best flooring and respective dealer, try not to be overly frugal. You must think about longevity. Your budget may be tight and you might

Choose a flooring dealer

be concerned about pricing, but you must get the best value possible. Find a dealer who has a great reputation and long track record of excellent customer service. Spending extra money is worth purchasing a product from a flooring dealer you can trust. You arenâ&#x20AC;&#x2122;t just buying flooring. You are also creating a relationship. Visit their offices and showrooms. Experience should play a role in which company you ultimately select. Quality of materials, comparable or lower prices and good references will all make a big difference in finding the right Pictured is The Carpet House & Paint Center, located at 2690A W. Third St., in Farmville. flooring dealer.

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f you’re thinking about sending your child to an independent school, chances are it’s ultimately to give them more opportunities in life. The specific school you pick can have big implications on the opportunities that will be available to your child, from college entrance to extracurricular activities such as music and sports. Independent schools have the freedom to serve their distinct missions — the philosophy, values and approach to teaching that are unique to each child. They have the freedom to let passionate teachers create educational experiences that meet a child’s individual needs and to make the process of learning more important than testing. Nurturing high academic expectations and providing opportuni-

HOW TO GUIDE 2016

Select an independent school

ties to blossom across the curriculum — in core subjects, electives, athletics, fine arts and later in life are part of the mission of independent schools. To help you find the right school for your child, evaluate the following: • Mission, philosophy & values • Quality of faculty • Accreditation • Class size • Student achievement • Parent involvement • Opportunities in sports, the arts, community service

ADDITIONAL THINGS YOU NEED TO DO: • Visit the school. Visit for the formal tour, but make another visit

for an extended time. Visit classes, observe what goes on in the library, computer labs, PE classes, art and music, etc. Speak to teachers, and, in particular, to students. • Your child should visit the school. Even young children should visit. Of course, parents make the final decision, but a child’s impressions are important. • Speak to other parents. Find out what their experience has been. If possible, try to locate parents beyond the list you may be given by the admission office. • Attend a school event with your child. Take your child to a play, concert, or sports event. Like each child, each school has unique qualities. It is important

not to simply seek the best school, but rather the best school for your child. The search requires keen insight and honest assessment regarding a child’s strengths, needs, and preferences. All parents want their child to live and learn in an environment of high expectation and effectiveness. Tuition assistance and creative financing plans are available to make an independent school education more accessible. Ask about these options. You have a choice in your child’s education. Visit an independent school. Accessing a quality education is the most important investment you can make in your child’s future!

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void getting stuck with a lemon by doing your research before visiting a used car dealership. Buying a used car can be a challenge. Being well-informed will help you avoid getting taken advantage of. Have a good idea of what you want before speaking to anyone. Follow these tips to find a good used car dealer. You need to find a gently used vehicle without paying more than necessary.

CHOOSE YOUR VEHICLE Knowing what you want will help you save time and effort. You may not know the exact make and model, but at least have an idea of the automobile type. Are you searching for a sports

Choose a pre-owned car dealer

car, SUV, pickup truck or van? Focusing on the type of car will help you avoid wasting time visiting dealerships that don’t sell the type of used car you need.

TALK TO FRIENDS AND FAMILY Friends and family members who enjoy cars as a hobby will have information for you about reliable dealers. If they have recently purchased a used car, they will have experience with who treated them right — as well as who didn’t. Word of mouth is one of the best indicators of a reliable business. When you find a business that gets more than one positive review, make sure to check them out.

MAKE APPOINTMENTS Compile a list of dealerships you want to visit. Call and make appointments with salespeople. Ask them about financing and extended warranties. Both may figure prominently in your decisionmaking process. Try to speak with everyone on your list. Comparing as many people as possible will help you avoid making a hasty, uninformed decision.

VISIT THE DEALERSHIPS See each dealership in person to look for cars that match your type. Going there will help you feel confident about doing business with them. When you look at cars, ask about maintenance and previous owner

reports. Don’t purchase a car on the first visit. Just take a business card and move on to the next dealership on your list. Once you have seen everyone on your list, research customer reviews of the ones who impressed you the most. You will find the best dealership by considering who will give you the best deal and who has received the best customer reviews. Finding the right used car dealer is almost as important as buying the best used vehicle. After all, you want to make sure you are doing business with reputable people who will stand behind their sales. You don’t want to end up with a “lemon” and end up having to start the search for a new used car all over again.

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hen you are buying or selling a home, it is essential to choose the right real estate agent. The best real estate agents are energetic, positive and proactive. On the other hand, selecting the wrong agent can cost you lots of time and money. Here are some ideas to keep in mind.

REAL ESTATE AGENT VS. REALTOR A real estate agent may or may not be a realtor, but every realtor is required to be a licensed real estate agent. To become a realtor, a real estate agent has to join the National Association of Realtors (NAR). This allows him or her to attend industry meet-

ings, get NAR newsletters and access software and educational tools. Realtors adhere to a strict code of ethics and have solid knowledge of the real estate business. These professionals have been trained well, which means they will provide you with the best service.

WHERE TO START LOOKING Recommendations are one of the best ways to find a qualified real estate agent or realtor. Sometimes agents are good at helping clients purchase homes, but not as skilled at selling them.

COMFORT LEVEL At the initial consultation with a prospective real estate professional,

focus on your comfort level while interacting with them. Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? It is important that you feel comfortable with the agent. You must trust that this person can behave ethically and help you secure a good deal.

COMMUNICATION AND PLANNING Your agent should be an effective communicator. If you are selling your home, your agent should develop an effective marketing plan, explain it to you, and respond to any questions or concerns you have. The marketing plan will probably

involve placing advertisements and conducting open houses to invite the public for home viewings. If you are purchasing a home, the agent should listen to your guidelines and price ranges.

MORE RESOURCES To get a better idea about the process of buying and selling a home, conduct some research on your own. Real estate magazines contain good information and can be a great way to start your research. Upon successfully buying or selling your home, keep your real estate agentâ&#x20AC;&#x2122;s contact information on hand. You may want to refer other people to him or her. You may also need their services again someday.

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ooking to make funeral arrangements for you or your loved ones? For most people, that is an unpleasant thought. But planning ahead while you have a clear mind and are not in crisis mode can help you through that difficult time when it does come. Planning before your time of grief will help you make wise decisions under difficult circumstances. Here are some things to consider when selecting a funeral home. The first step is to find out if the deceased has made any funeral arrangements and whether these plans need to be changed. Sometimes weather may be an issue or other factors may get in the way of what has already

Choose a funeral home

been planned. If no arrangements were made, ask family and friends to see if the deceased made any specific wishes. If possible, respect those wishes. If pre-arrangements with a local company exist, then contact that company.

RECOMMENDATIONS To find the right funeral home, ask family, friends and pastors for a recommendation. It is a good way to focus on funeral homes with excellent reputations. You might also consider your own experiences at funeral homes in your city. If you cannot get referrals, look on the Internet. Select three or four funeral homes that might fit your needs.

Visit each one with a close friend or relative. It is important to get written estimates for everything. Ask about hours for viewing, in-house versus off-site services, cremation services, additional fees and special requests.

QUICK DECISIONS Do not decide on a funeral home right away. Think about it for a bit. The decision should be made with clarity.

DOCUMENTATION After deciding on a funeral home and type of service, documentation is the next step. The funeral director can help you with the required forms and permits. You should have a copy

of the death certificates and make the actual burial or cremation arrangements.

COMMUNICATION IS IMPORTANT Talk to the funeral home and tell them who in the deceasedâ&#x20AC;&#x2122;s family is authorized to make decisions. Be very detailed about your expectations and what kind of arrangements you want. Tell them if something is not being done according to your intentions.

GUIDANCE Good funeral homes will guide you through the process to ensure that the funeral runs smoothly for everyone. In your time of grief and hardship, preplanning can give you a small measure of comfort and peace.

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hese days, more people recognize that joining a credit union is one of the smartest things you can do with your

money. Why? Credit unions offer a great deal for their members. As memberowned cooperatives, credit unions generally offer better rates for savings and loan services than for-profit banks. Unlike a bank, returns from the credit union go to benefit members, not outside stockholders. The credit union may offer online courses, in-person seminars, one-onone assistance or other resources to help members learn to budget, understand their credit score, or work toward a financial goal like buying a house.

HOW TO GUIDE 2016

Choose a credit union

SERVICE AND CONVENIENCE

When deciding about financial institutions, two factors you will want to consider are service and convenience. Does the credit union offer the types of loans, savings products, account access and other services you are looking for? Is ATM access important to you? For many people, one of the most critical factors is technology. At both credit unions and banks, accessing your accounts through your PC, smart phone or other mobile device is now standard. Many institutions also offer the ability to deposit checks with your smart phone. Be sure that the organization you consider has the technology to meet your needs. If access to a branch is important to you, consider whether the credit union

has a location near you. For those in this area, Virginia Credit Union offers a branch at 100 MidTown Ave. in Farmville. Anyone who lives, works, worships, volunteers or attends school in the Town of Farmville or Prince Edward, Cumberland, Buckingham or Nottaway counties can join Virginia Credit Union. In addition, employees of state or local governments in Virginia (including state-supported colleges and universities) are eligible, as are many others.

TIME FOR A REVIEW? Now is a great time to evaluate your financial situation. The staff at your credit union should be able to help you consider ways to take your money further. For example:

• What rates are you earning on your savings, savings certificates, money market accounts and other deposit accounts? • Are you planning to purchase a truck or car in the near future? • What about other loans and the rates you are paying? At a credit union, you’re never just a customer. By joining a credit union, you become a member and an owner. It’s a distinction that comes through in the personal service, helpful guidance and money-saving benefits that credit unions are known for. Be sure to check out a credit union. Virginia Credit Union is an equal housing opportunity lender and is federally insured by NCUA. For more information visit www.vacu.org.

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hile choosing the right hearing aid can significantly enhance your life, the process for selecting one begins long before you begin using the device. That most important step is choosing the right hearing aid dispenser. The dispenser, or the company that provides your hearing aid, is key to ensuring you get the best use out of a hearing aid. Here are some things to look for when choosing a hearing aid dispenser.

PRODUCT LINE Most hearing aid dispensers offer products from several brands at a variety of price points.

Choose a hearing aid dispenser

With good quality hearing aids often costing several thousand dollars, you’ll want to make sure you have several to pick from that can meet your needs without wasting money on features you don’t need.

PRODUCT KNOWLEDGE Since most of us aren’t experts on hearing aids, you need to look for a dispenser who is. Not only should they have an understanding of the medical reasons behind hearing loss but they should have in-depth knowledge of their hearing aid products. Hearing aids can be complex devices, especially when you’re looking at high-end models that can be customized extensively to match your hearing needs. A good dispenser can

take those technical terms and make them easy for you to understand.

TRIAL AND WARRANTY Ask if the dispenser offers a trial period for their hearing aids. Some companies offer a 60-day trial so you can make sure the product works exactly as you expect. You should also ask about what kind of warranty the hearing aid comes with. Many hearing aids are available with coverage for loss or damage, almost like an insurance policy.

FOLLOW-UP SERVICE When you buy a hearing aid from a good dispenser, one of the things you’re paying for is good service. That

includes service after the sale. This is true when it comes time to have your hearing aid adjusted or repaired. It’s common for hearing aids to require several follow-up visits to make sure they are fitted and adjusted correctly for your ear. They should be able to understand your hearing needs and make any changes necessary to fix any problems you find. Ask what the charge will be for a routine adjustment. Some dispensers have no charge. In the end, if you shop carefully and investigate their reputation, you can find a hearing aid dispenser that will help you find the right aid at the right price. When you do, you’ll be much more likely to be happy with the results from your hearing aid.

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ave you ever fantasized about building your own home? How about building something customized just for you and your family? This is a great time to bring that fantasy to reality. In many parts of the country, home prices are affordable. Labor and construction costs have stabilized, and interest rates are near historic lows. If you decide to take the bold step of building your own home here are a few things to keep in mind.

CUSTOM OR NOT Your first step is determining which kind of builder you want: custom or production. Both builders have advantages and

HOW TO GUIDE 2016

Build a custom home

disadvantages. Production builders are the most popular. Many people believe that production builders are affordable and fast. These builders have several floor plans they use. When using them, you may be limited in the location of your home, how much the floor plan can be customized and the quality you can expect. With a custom builder, your limit is only your imagination and budget. While the perception is that a custom home can cost more than a production or “tract” home, this may not always be true. There are many advantages to buyers who can build on their own land and decide every aspect of the construction process. Eicher Construction is a builder that

is willing to give comparative pricing before you make your decision, so a choice is not made on cost alone.

FINANCING You may need to secure construction financing to build your home. Construction financing usually consists of more than one loan. One loan will pay for the construction itself — often releasing money to the builder in stages as processes are finished — and then converting it to a permanent mortgage on completion. Do some comparison shopping at banks, credit unions and mortgage brokers for the best financing solution. You can ask your builder for recommendations. They will likely have options because his livelihood

depends on his clients securing financing for construction loans. Your builder may even help you avoid pitfalls.

THE BEST BUILDER When selecting a builder, the most important factor is a good, proven reputation. High-quality builders are known for reliability and craftsmanship. They have likely worked in construction for years. Drive by some of the homes they’ve built and, if possible, talk to their owners to get an idea about what you can expect. Check for flaws in the buildings such as cracked walls, leaks and gaps. When you find an outstanding builder and line up a good financing plan, then you can watch your dream

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ower outages are the worst. They deprive us of the everyday things we take for granted, such as heating, air conditioning, phones and televisions. If your home or business is hit too often by power outages you might want to consider getting a generator. A generator provides you with clean, useful electricity from a local source. Whether you’ve lost electricity due to the weather, a downed power line or some other occurrence, a generator will help you get back to business quickly. If you live in an area prone to storms, hurricanes and tornadoes, then a generator can be a smart investment.

AUTOMATIC STANDBY GENERATORS Automatic standby generators are

Choose a generator

on continuous standby, meaning that the generator can power itself on and off, regardless of whether you are home. Once a stop in the flow of electricity is detected, these machines respond instantly. They turn themselves on and begin supplying power. Installed outside of your home, these generators are similar to central heating and air units. They are powered by liquid propane or natural gas. The generator supplies electricity directly to your home’s circuit breaker. Because they operate quietly and smoothly, they are not an annoyance or distraction to you or your neighbors.

PORTABLE GENERATORS Portable generators are built to re-

main outside of your home. These mobile units are fueled by gasoline and manually operated. Extension cords will make it easier to plug objects directly into the generator. These kinds of generators are usually cheaper than automatic standby generators.

STANDBY VS. PORTABLE Despite the price difference, there are plenty of advantages to buying an automatic standby generator. Since automatic standby generators use natural gas and liquid propane, the cost of running this machine will be cheaper. These units keep your house neat and clear of clutter. Portable generators require numerous wires and extension cords running through your

home. It is much easier to have power connected directly into your home’s infrastructure.

PUTTING YOUR GENERATOR TO WORK It is important to pick a generator that can supply power to all the items you need in your house. Understand running and surge wattage. These two values inform you how much power your appliances need and the maximum amount of electricity they can handle. Prior to purchasing a generator, check the safety tags on your appliances for the correct wattage. The running and surge wattage on the generator needs to be high enough to satisfy the ratings of your most demanding appliances.

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he right hairstylist can transform you and your hair into a stunning and attractive being. It takes patience and research to find the right salon. If you find yourself wandering from salon to salon, it is time to rethink your choices. While experts might tell you that expensive haircuts are necessary, that is not true. Discovering a talented hairstylist does not have to be a matter of luck.

HOW TO GUIDE 2016

Choose a great salon

be open during hours you can make appointments. People who are hip and young should find a salon that is energetic. The staff’s appearance will also tell you a lot. Stylists like to experiment with their own hair. They might even think of themselves as walking billboards. If your hair is easy to cut but difficult to color, opt for a salon that has a solid reputation for its colorists. Everyone’s needs are different.

a separate fee for washing or blow drying. Be sure the prices are applicable to your hair type and length. Many places offer cheaper prices for short hair, while others with long locks pay a premium. Your appearance speaks volumes about you. Choosing a right salon is the first step toward making a good impression. It might take some time, but finding the right salon will save you time and aggravation.

MATCH YOUR LIFESTYLE

PRICE

GET ADVICE

Look for salons that match your lifestyle. If convenience is important in your life, make sure the salon is close to your home or office. If you work long hours, your ideal salon will

Cost is one of the most important factors in choosing a salon. When you receive a price quote for a cut, be sure to find out what is included. Even high-end salons might charge

Asking friends and family for referrals is a great way to find a salon. Look for people with hair that is similar to yours. Different hair types might have a different experience. Be sure the

salon and stylist can work with your type of hair. Get the name of the stylist at the salon. Many times, it is the stylist who will make the salon experience great.

OTHER OPTIONS Haircuts and styles are a salon’s basic services, but they might offer other treatments. Manicures, pedicures and deep conditioning are just some of the extra services you might find at a salon. If you need to have a pedicure while your hair dye is setting, choose a salon that can multi-task. Don’t assume a high-end salon will offer massages and other spa-like features. Verify that the beauty shop has the services you need before making an appointment.

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rimming back trees, having broken or dead limbs removed or even taking down an entire tree on your property is a smart move. It can potentially save you time and trouble. This type of work can be dangerous. You need to consider all of the risks involved when choosing who will cut your limbs back or remove your tree. You shouldn’t assume that anyone who owns a chainsaw is capable of taking care of your needs. Don’t risk someone getting hurt to save some money.

TIPS TO FOLLOW Follow these tips to find a qualified tree service: • Ask your friends, family and neighbors who have used a tree service in

Choose the right tree service

the past. They can tell you who does the best work. • When you meet with the tree service, inform them of the situation and exactly what you want done. Make sure you are on the same page: Will the brush be hauled away or is the tree service leaving it behind? Will the stump be ground? Will the yard be raked when the job is complete — or will it look like a storm came through when they’re done? • Make sure the tree service is insured. Their insurance company can provide you with a certificate of liability insurance to show coverage. • It’s wise to get your estimate in writing. A legitimate tree service won’t be afraid to put their offer in writing. This can include a complete breakdown of

the services they will provide. • Do not provide any money until your job is complete! • A tree service should never ask for any money up front. There have been several instances when a homeowner pays for a tree service project up front, only to never hear from the company again. • Use caution after a natural disaster. Unfortunately, there are con artists who prey on those who have been affected by disasters. No matter how desperate you may be to get back to normal as soon as possible, still confirm that the tree service is experienced and insured, and exactly what duties will be performed at a reasonable price. Don’t be take advantage of in your time of distress.

A LOCAL SERVICE THAT CAN HELP Coe’s Tree Service can provide you with all of your tree service needs safely and effectively. They have the equipment to handle large jobs — but we’re not too big to handle your small jobs either. They have provided tree services to Prince Edward, Cumberland, Buckingham, Appomattox, Amelia, Charlotte, Nottoway and Lunenburg counties for over 15 years, and they take great pride in our work. They want you to be satisfied so you will tell all your friends and family about us. Word of mouth from satisfied customers is the best advertisement, and that’s how they’ve been in business this long. Call Billy Coe today at (434) 390-3741 to set up an appointment to schedule your free estimate.

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aking your pet to the vet regularly can save its life. For one thing, you can catch an illness in its early stages. Catching a disease early could save you hundreds or thousands of dollars. Most people think of their pets as members of their family. In fact, some people even refer to them as “fur children.” That’s why finding a veterinarian or veterinary clinic is so important. You need to find qualified care to ensure the long-term health of your pet. But in a difficult economy, pet care might get overlooked. Routine care might even seem unnecessary. After all, do humans skip medical and dental check-ups if they seem like they’re

HOW TO GUIDE 2016

Choose a veterinarian

in good shape? Unfortunately, pets age faster than human beings. Their bodies and internal systems can change rapidly, sometimes in a matter of a few months. Routine veterinary care will help your pet to live a longer and happy life. Follow these guidelines to find a professional that will give your pet the best care possible.

ASK FOR REFERRALS Your family and friends may know a good veterinarian. Listen to their experiences with a critical ear. You need to find someone who is professional, compassionate and timely. Ask specific questions, such as whether the clinic staff likes animals. Do they respond to concerns in a timely manner?

Research veterinary and veterinarian clinics on the Internet. Make a list of prospective candidates, then check with the Better Business Bureau in your state to see if there have been any complaints against these professionals. How were the complaints resolved?

MAKE A VISIT After making a list of choices, visit the veterinary office or clinic. Call ahead and request a tour of facilities. The staff should have the time to answer your questions. You should see a clean and wellmaintained office. Observe how the staff interacts with clients and pets. Are they warm toward the animals and owners? The employees should have

an affinity for animals. Sit in the waiting area and introduce yourself to other clients. Find out if they are happy with the services and staff. Also, inquire about prices to verify it is within your budget. If you feel uncomfortable during your visit, consider taking your services elsewhere. Finding the best vet for you and your pet will take time and research. You should put the same effort into finding a doctor for your animal as you would in finding one for yourself. The bottom line is that your pet’s health is a cooperative undertaking between you and your veterinarian. Finding the perfect vet for you and your furry, scaly or feathered friend will ensure your pet is with you for

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ires can make a big difference in your driving experience because they affect a carâ&#x20AC;&#x2122;s steering and balance. Tires also ensure a smooth, safe drive. Finding a great tire shop is important to any automobile owner.

CHOOSE YOUR BUDGET Cost should play a role in your decision-making process. Figure out what you can afford to pay for tires. It will stop you from wasting time at expensive shops. Hopefully, you will only need to buy tires once a year; depending on how much you drive your car.

CHOOSING A TYPE OF TIRE When selecting tires, consider the climate you live in. If it is dry and

Choose a tire shop

warm, then a standard tire will be fine. But if you live in a place that gets a lot of snow, then you will want a better grade of tires. Snow tires are good for snow or dry land. High-performances tires are good for driving at high speeds. If you commute a long distance, be sure to choose high-mileage tires. East End Motor Co. stock Goodyear, Michelin and BF Goodrich tires.

CHOOSE AN OUTLET There are a variety of ways you can purchase tires. They are available through national chains or a local auto shop. You may even buy them online. Buying tires in person allows you to inspect the tires. You can see exactly what you are getting. When you

East End Motor Co. is located on East Third Street in Farmville.

purchase tires online, it is difficult to judge what you are getting. National chain stores usually guarantee the product. They might be more costly, but buying them a big store may give you peace of mind. Local shops will likely be more inexpensive, and you might get more personalized service. Ultimately, your choice should fit

your priorities and budget.

CHECK OUT THE SHOPS

When you visit a shop, look at their products and meet their employees. You should feel as though the salespeople are trustworthy and knowledgeable. Once you find a good tire shop, you will likely return again for other products. It is important that you develop a good working relationship.

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ometimes an invasion of ants, spiders, roaches or termites can become unmanageable, perhaps even threaten the structure of your home. Everyone has problems with pests occasionally, and sometimes the solutions are simple, such as removing trash, sealing entry points and securing screens on the windows. But when it gets out of control, you need the help of professionals from a pest control company. Here are some tips to help you search for a company in your area.

A LIST OF COMPANIES Your first step is to make a list of companies in your area that provide services you need.

HOW TO GUIDE 2016

Choose a pest control company

The best way to find a reliable, reputable company is to ask friends and family. When speaking with companies ask these questions. How quickly do they respond to you? How quickly can they resolve your problem? Do they do free estimates? How knowledgeable were they in the problems you were having? Did they seem to have genuine concern for your problem?

TYPES OF TREATMENTS Narrow your list further when you contact these companies by asking them what kind of chemicals they use when treating a residence. Powders, sprays and other forms vary in effectiveness as well as toxicity. If you have children or pets, this is-

sue is an urgent concern. Some treatments are toxic to people and animals. Poisoned bait, for instance, is a method that homeowners with children or pets should avoid. Green products are an eco-friendly and safe treatment to use for every homeowner. Whether you have pets, children, a spouse or are single, green products provide safe and high quality results. In your area, Central Virginia Exterminating is a proud user of only the most effective and safest green products for all your pest control needs.

RESEARCH Prior to contacting anyone, educate yourself about common pests in your area. Sometimes you may find evidence such as droppings, wings and some-

times live or even dead insects. If you find evidence such as wings, or dead insects keep them and show them to the certified technician when they inspect your home. Contact the pest control company that provides the most successful results, safe and eco-friendly products. The pest control company will have a trained team member to help inform you of the next step in the process. The company you choose should do a free, full inspection of your home and property before providing any services. A quality pest control company will not only help you with your current situation, it will also help to prevent future flare-ups. You can take comfort in knowing that this is one problem someone else has under control.

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uality pavement can improve the look, durability, safety and functionality of your property. It adds value when you sell it and says plenty about your home or business. If you want pavement to last, however, you must choose a good paving company. Whether for residential or commercial jobs, here are some things to consider.

PROCESS Understanding the process of laying pavement will help you understand what you need and which company is best for you. There are many types of pavements,

Choose a paving service

including popular options, such as asphalt or cement. Be sure you know the strengths and weaknesses of each material. The construction of these materials is also important. The preparation work, dimensions, depth and mixture of materials will impact the longevity of the surface, as well as the ongoing maintenance required. Tell your paving company how the surface will be used. If you are paving a commercial lot, for instance, provide them with an estimated traffic count with a note about the heaviest trucks that might use it. The best paving companies will have deep roots in your community. Climates and types of soil vary around the country and a company

OTHER WORK

Were their expectations met? It is preferable to look for older work the company has done. If pavement installed years ago has held up against the test of time, that is the sign of a quality job.

Previous work can tell you a lot about a paving company. Request referrals from past customers. In particular, look for work that is similar to what you need. Maybe you need your pavement for your driveway. Look for similar driveways the company has installed in your area. Do the edges of the driveway look crisp and clean? Has the surface held up? Whenever possible, ask the property owner about their experiences during construction. Did the company finish the job on time and on budget?

For your protection, verify that the paving company is properly insured. Many homeowner and business insurance policies donâ&#x20AC;&#x2122;t cover accidents that occur by contractors working on your property. Uninsured companies open you up to liabilities for any injuries or accidents that occur during construction. Only consider using pavement companies with strong insurance policies. It will give you peace of mind.

with a long track record understands your area. They know what challenges various pavements face throughout the year.

INSURANCE

HOW TO GUIDE 2016

JORDAN MILES | HERALD

A state-of-the-art heart catheterization lab opened in April at Centra Southside Community Hospital.

Jain joins Centra Medical Group Doctor brings wealth of knowledge to Stroobants Cardiovascular Center Centra is pleased to announce that Dr. Rakesh Jain has joined the Centra Medical Group at the Stroobants Cardiovascular Center in Farmville. Jain earned his Bachelor of Science and Doctor of Medicine from State University of New York at Buffalo. He went on to serve his internship and residency at the Veterans Administration Medical Center at the Georgetown University Hospital in Washington, D.C. It was there that he served as the chief resident for internal medicine as well as his fellowship in cardiology. He followed that with

an Interventional Cardiology Fellowship at the Medical College of Virginia Hospital in Richmond, which included complex coronary angioplasty, peripheral angioplasty, calvuloplasty and atherectomy. Jain’s board certifications include American College of Cardiology, American Board of Internal Medicine, and Virginia Board of Examiners. Jain will specialize in interventional cardiology. The Centra Medical Group Stroobants Cardiovascular Center, nationally recognized as being one of the

best heart centers in the nation, offers board certified cardiovascular specialist in Farmville. As part of Centra’s award winning services, clients have access to advanced technologies and Dr. Rakesh a full complement Jain of specialties. The Centra Stroobants Cardiovascular Center is located at 900 W. Third St. in Farmville. Office

hours are Monday-Friday from 8:00 a.m.–5:00 p.m. Appointments can be made by calling (434) 392.4370. The Centra Medical Group is a multi-specialty clinic; a network of local family practices, primary care physicians and medical and surgical specialists. Through the Centra Medical Group, patients are connected to Centra’s wider healthcare system, where award winning services, advanced technologies and a full range of specialties are available to meet the health and wellness needs of those living in Southside Virginia.

HOW TO GUIDE 2016