HOW TO GUIDE 2018 by The Farmville Herald

HOW

GUIDE AT T O R N E Y

•

• PAVING H T L A E H • ATOLOGIST M R E D • IR AUTO REPA

E A L E S TAT E R • L O R P E S T CO N T

AG E N T •

.. A IRE SHOP. T • P M A SUMMER C APRIL 2018

A SPECIAL SUPPLEMENT TO

The Farmville Herald The Charlotte Gazette

ND MORE

HOW TO GUIDE 2018

TABLE OF CONTENTS Betty Ramsey Publisher Farmville Newsmedia, LLC

ATTORNEY 6

INDEPENDENT SCHOOL

APPLIANCE STORE

MONUMENT 19

AUTO REPAIR

Betty.Ramsey@FarmvilleHerald.com We are pleased to present you with our third annual edition of the How to Guide. Every day we are faced with decisions and choices about who we do business with and where. In the past it was a choice of shopping at an area business in town or making a trip out of the area to secure services or make purchases. With the internet the choices and decisions have become seemingly endless and sometimes overwhelming. Some of these decisions are easy, while others require careful consideration as they may have a significant impact on our health, quality of life, wallet and more. What determines a good purchase or business partnership? Is it price, quality, ease of purchase, all of these or something else? Should we shop online or at an area business or store? How do we know if we are getting a good deal and if it is the best choice for our situation? Our How To Guide will provide you with helpful suggestions and points to consider before making a decision. Weâ&#x20AC;&#x2122;ll also connect you with area professionals and businesses ready and willing to provide you with top-quality service. Thank you for reading, and we look forward to seeing you next year for the fourth annual edition.

21 8

PAVING SERVICE

BANK 29

PEST CONTROL

CREDIT UNION

PET 26

DECK 30

PET CREMATION

DERMATOLOGIST 22

REAL ESTATE AGENT

ER 31

REHAB CENTER

FUNERAL HOME

SHREDDING SERVICE

GENERATOR 7

SMALL BUSINESS

HEARING AID

STORAGE CENTER

SUMMER CAMP

HOME 5

TIRE SHOP

HVAC COMPANY

VETERINARIAN 27

HIP REPLACEMENT

25 4

The Farmville Herald PUBLISHER Betty Ramsey DESIGN Staci Bridge

MARKETING Jackie Newman Steve Wallace Rachel Fielding

PRODUCTION Jeff Thomas Andy Bridge CUSTOMER SERVICE Regina Caraway

The Charlotte Gazette COMMUNITY EDITOR

Italia Gregory

COMMUNITY EDITOR

Wanda Fix

. . . o t w Ho

orn pavement can make your home or business property look run down and uninviting. It can also damage vehicles and be downright dangerous, with cracks and potholes creating trip hazards for visitors to your property. If you’ve been putting off a paving project because you don’t know how to go about getting it started or are worried about costs, a paving professional may be able to set your mind at ease. Keep the following in mind and call local paving customers to learn more about the price and process of updating your drive or walkway.

HOW TO GUIDE 2018

Choose a paving service 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, 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

‘If pavement installed years ago has held up against the test of time, that is the sign of a quality job.’

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

OTHER WORK Previous work can tell you a lot about a paving company. Request referrals from past customers. Look for work that is similar to what you need. Whenever possible, ask the property owner about their experiences during

construction. Did the company finish the job on time and on budget? Were their expectations met? It is a 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.

INSURANCE For your protection, verify that the paving company is properly insured. Many homeowner and business insurance policies don’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.

HOW TO GUIDE 2018

. . . o t w Ho

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.

WHAT ARE THE BENEFITS OF ANTERIOR APPROACH 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.

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 six to eight 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. 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.

WHO IS A CANDIDATE FOR ANTERIOR HIP REPLACEMENT? 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. 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, 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.

. . . o t w Ho

HOW TO GUIDE 2018

Choose a home

ne of the biggest purchases you’ll ever make is a home. Purchasing a home is a dream for most Americans-- but it can also be a stressful experience. Finding a home that checks all the boxes for location, design, amenities, school districts and more.

LOCATION Real estate agents tell you that location is everything, and they mean it. When you purchase a house, you are investing in a community. Checking out the community and neighborhood is your first step. Most people want a convenient location near shops, jobs, parks and schools. As a result, the most desirable neighborhoods are usually the most expensive.

looking for a shorter commute to work. For many people, the attractiveness of the neighborhood and how well it is maintained is extremely important. A community with new, well-maintained homes and yards is more likely to increase in value over the long term.

AMENITIES What do you value? If you have children, perhaps you want to live within a specific school district. Maybe you are

Surrounding yourself with the right amenities inside and outside your home will help you feel comfortable and happy.

New homes often have open floor plans, modern kitchens and bathrooms, “flex” rooms for multiple purposes and walk-in closets. You might be able to customize your home as well. Outside your house, bonus amenities include in-ground utilities, lighting, landscaping and playgrounds. There might even be a community pool or clubhouse. Be aware if there are ongoing fees associated with these amenities, such as homeowner’s association dues or maintenance fees for any community areas. Make sure you create and stick to a strict budget. Before looking at any homes, make sure your budget is in place so you do not waste time looking at homes you may love, but won’t be able to afford.

. . . o t w Ho HOW TO GUIDE 2018

t some point, everyone needs to talk to a lawyer. Choose wisely. The right lawyer can be the difference between freedom and a criminal conviction. The right lawyer can be the difference in preventing you from losing your shirt in a divorce settlement. The right lawyer is critical to ensuring you don’t get taken advantage of in a business deal. Attorneys know the law, and the loop holes that may be able to help your case. They know how to work with other attorneys and can recommend the best legal strategy for your case. They also understand how to properly fill out the correct files, forms and paperwork. Here are some factors to keep in

Choose an attorney

mind when choosing a lawyer.

AFFORDABILITY Settling for inexpensive legal representation can be a big mistake. Quality should always come first when it comes to attorneys. If you’re facing a criminal case and cannot afford an attorney, you have the right to a courtappointed lawyer. A court-appointed lawyer can provide you with valuable assistance. Never hire an attorney who has been disbarred. Be wary of those who have been sanctioned by their state bar.

REFERENCES Finding a great attorney can often be as simple as asking your family or friends for referrals. If you are getting a

divorce, look for people in your social network who have been through a divorce for recommendations.

CASE HISTORY Check your attorney’s case history to get an understanding of the legal professional’s competency. Websites will help you determine a lawyer’s success rate. Ask attorneys directly about their case histories. Any lawyer with a good track record will readily provide the information.

ONLINE RATINGS Other websites rate attorneys. They are also a great resource for client reviews. Don’t give positive or negative reviews much credence as they can be incredibly subjective. Focus on

comments about a lawyer’s availability, personality and results. Keep in mind that gruff lawyers are sometimes the best ones. While no attorney should treat you rudely, remember that you are paying for their services. Tough, even-handed attorneys can be an asset. A personable attorney is great, but if that person has a terrible success rate, move on.

CONSULTATION Take advantage of any free consultations. Most attorneys offer them. Ask questions during your free consultation. Expect forthright answers. If you don’t feel satisfied, find another person to represent you. There are plenty of qualified local attorneys who will be willing to help.

. . . o t w Ho

HOW TO GUIDE 2018

Choose a generator

n today’s hyper connected world, power outages are a disaster. This can be especially true if you run a business, work from home or have medical devices which require electricity. 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 by allowing you to produce enough electricity for your own needs on-site.

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.

AUTOMATIC STANDBY GENERATORS

Portable generators are built to remain 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

Automatic standby generators are 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

PORTABLE GENERATORS

of generators are usually cheaper than automatic standby generators.

STANDBY VERSUS 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. The Red Cross endorses automatic standby generators because they are a cleaner method of powering your home. Portable generators produce harmful byproducts that can damage the environment. 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.

GETTING THE MOST FROM YOUR GENERATOR 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. Before purchasing a generator, check the safety tags on your appliances for the correct wattage. Don’t be caught wishing you had bought a generator the next time there’s a power outage.

. Choose an auto repair shop . . o t w Ho HOW TO GUIDE 2018

egular maintenance is key to keeping your car looking and running well—not to mention avoiding costly repair bills. Your life as an auto owner will be a lot easier if you build a solid relationship with a dependable and trustworthy mechanic. That will prove especially true when you have a need for unexpected repairs. Even if your car is new, at some point it will need tires, oil changes or even a new engine. If you have a relationship with a good auto repair shop, you won’t sweat it when these things come up. If you haven’t had a regular mechanic is recent years, now is the time to find one. Here are a few points to consider: • Less than 40 percent of new customers in auto shops are walk-ins. That means word-of-mouth is still king in the industry. Find a shop that

gets rave reviews from family and friends, and you’ll be in good hands. • The Better Business Bureau can inform you about the repair shop’s performance and reliability. • If you travel often, consider a shop that offers 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? • 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 cus-

tomer approval rating of 90 percent or higher and the ability to adequately perform the services advertised. • 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. You’ll also want to ask about the shop’s warranty policy. Imagine spending hundreds on a repair only to learn the work isn’t guaranteed. Once you have found a shop you trust, establish a good working relationship and try

to use the shop for all of your automotive needs. Your mechanic will come to know you as a dependable customer and always be sure to provide you the highest level of service.

HOW TO GUIDE 2018

Auto Mall “HALEY HAS IT”

FARMVILLE.HALEYAUTO.COM

CLIP FOR CARE FREE SUMMER DRIVING COUPON

COUPON

SYNTHETIC OIL CHANGE

10% OFF

COMPLIMENTARY MULTI-POINT INSPECTION

10% OFF

$10 OFF

ANY FUEL SYSTEM SERVICE

$5 OFF CONVENTIONAL OIL CHANGE

FLUID EXCHANGE SERVICE

HAVE YOUR ENGINE RUNNING BETTER BY HAVING THE FUEL SYSTEM CLEANED OF DEPOSITS AND CHANGING THE FILTERS. IT MAY EVEN ENHANCE YOUR MILEAGE.

WE’LL BE HAPPY TO INSPECT YOUR VEHICLE USING OUR 30 POINT SAFETY AND MAINTENANCE CHECK LIST WHICH INCLUDES EVERYTHING FROM BRAKES TO VISUAL LEAKS. COME BY OR GIVE US A CALL FOR AN APPOINTMENT.

EXCHANGE AND CLEANSE YOUR VEHICLE COOLANT, POWER STEERING, TRANSMISSION OR BRAKING SYSTEM TO KEEP IT IN TOP OPERATIONAL AND SAFE CONDITION.

Auto Mall

VALID THRU MAY 31, 2018 IN FARMVILLE, VA

SAVE WHEN YOU CHANGE YOUR OIL AND OIL FILTER. IN ADDITION WE’LL INCLUDE AN OVERALL VISUAL SAFETY INSPECTION.

“HAS IT”

25% OFF

“HAS IT”

COUPON

SIGNATURE OR PRESIDENTIAL AUTO DETAILING WE’LL MAKE IT CLEAN AS NEW!

Auto Mall “HAS IT”

VALID THRU MAY 31, 2018 IN FARMVILLE

“HAS IT”

COMPLIMENTARY STATE INSPECTION IF YOU WILL AGREE TO PERMIT US TO FRAME YOUR LICENSE PLATE WITH A HALEY LICENSE PLATE FRAME.

CONVENIENTLY LOCATED AT 1906 SOUTH MAIN STREET (BUS. RT. 15 SOUTH) ACROSS FROM THE WALMART SUPERCENTER, FARMVILLE, VA

PHONE 434-392-8166 OR 1-800-306-5337

Auto Mall “HAS IT”

. . . o t w Ho

HOW TO GUIDE 2018

hen you need to move, travel or simply find more space in your house, self-storage can be a good deal. Storage centers are increasingly popular solutions for safely stashing your worldly possessions on a temporary basis. There are some important aspects to consider before selecting a storage facility.

LOCATION Location is a key factor when selecting a storage company. Your ideal facility should be close to your home or office for ease of access.

SECURITY Your belongings should be safe for the duration of the rental. Visit the facility in person to verify its security protocol.

Choose a storage center

The overall security of the facility will be stronger when it is in a safer part of town. The best facilities have three security layers. 1. The building has a security fence that is not easy to climb. It should be topped with barbed wire to discourage attempts to infiltrate the perimeter. 2. Heavy, secure doors seal the center. Keys, codes, or even biometric door locks safeguard your stuff. 3. A professional security guard should be on-site at all times. Avoid using companies in risky neighborhoods.

UNIT SIZES AND CLIMATE CONTROL FEATURES The amount of belongings you have will determine the unit you need. Some self-storage centers offer units as small as 24-square feet. If you are storing furni-

ture or a vehicle, you will probably need a unit that measures at least 300-square feet. If you are storing sensitive items, such as musical instruments, look for a unit that has climate control. You can request to have an air-conditioned or humidityregulated unit.

HOURS OF ACCESS Determine how often you will need to visit your items. Some people store their belongings for several months. They may only need access to them once or twice during that time. Other people might need to visit their unit several times a week. The hours of operation should fit your schedule easily. If your schedule is unpredictable, you might consider using a storage center that is open 24-hours a day.

PRICE Donâ&#x20AC;&#x2122;t search for a bargain. After all, if you choose an inexpensive facility, they may be cutting back on important aspects. Maybe they donâ&#x20AC;&#x2122;t have as much security as other facilities. Maybe the building is not maintained well. Selecting a facility based solely on a low price may cause you to pay in other ways. It is not fun having your items stolen or damaged. The best way to find a good storage center is word-of-mouth. Ask your social network for recommendations. Advertisements, the Yellow Pages and even the internet are good sources of information. Be sure to check out several companies before narrowing your search. Start early, take your time and follow your intuition.

. . . o t w Ho

eal estate agents are your biggest allies when it comes to buying or selling a property. They have specialized knowledge that will help guide you through complicated contract issues. They’ll also be able to inform you of the precise steps you need to take just before buying or selling. It goes without saying that you shouldn’t make any property decision under the advisement of an agent you don’t trust. Do your homework and pick an agent you can have faith will get the job done right.

HOW TO GUIDE 2018

Choose a real estate agent

estate agent has to join the National Association of Realtors (NAR). This allows him or her to attend industry meetings, 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.

WHERE TO START LOOKING

REAL ESTATE AGENT VERSUS REALTOR

Recommendations are one of the best ways to find a qualified real estate agent or Realtor. Ask people in your social network for referrals. Sometimes agents are good at helping clients purchase homes, but not as skilled at selling them.

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

At the initial consultation with a prospective real estate professional, focus

COMFORT LEVEL

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? Can they negotiate a contract? 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. Your real estate agent needs to provide updates on progress. Do not work with someone who does not return phone calls or emails.

MORE RESOURCES Real estate magazines contain good information and can be a great way to start your research. There are also a lot of good resources on the internet, such as www.Realtor.com, which is associated with NAR and which contains free, useful information. Upon successfully buying or selling your home, keep your real estate agent’s contact information on hand. You may want to refer other people to him or her. You may also need their services again someday.

Choose a short-term rehab center . . . o t How

HOW TO GUIDE 2018

epending on where you live, chances are you have a few centers in your area to choose from. Whether you have the luxury of time to prearrange your rehab stay before an elective surgery or whether you send out the ‘scouts’ from your family to look into a few places for you, it can be confusing and daunting. We recommend going yourself or asking a friend or family member to go set foot in all the centers you’re considering so you get a true feel for the place. Any center will be more than happy to show you around so you can see how things work and what to expect. When you head in to learn more about a center, here are some questions we recommend getting answers to. 1. Is my insurance accepted here and

what steps do I need to take ahead of time to ensure coverage? 2. Does the staff specialize in any particular areas and what is the staff to patient ratio? 3. What types of therapy do you offer? 4. What types of treatment and team members will be active with my recovery? 5. What can be expected about the transition from hospital to rehab? 6. What items should be brought with me and what is provided? 7. Does the center offer outpatient therapy or will they help set up in-home services if needed after the rehab stay is complete? 8. Are care planning meetings conducted on a regular basis and are family members invited to participate? If you have other questions don’t be

shy about getting answers that will help you make the best decision for you or your loved one. Most of all, take note of your gut feelings about a center. You’ll notice how you felt when you set foot in the doors. Were you warmly greeted? Did the staff smile in the halls? Did people seem content? Were common areas clean and free of odors? Once you’ve decided on a center, we recommend verifying the best way to contact patients via telephone and where friends or family can send mail. Additionally, make sure appropriate emergency contact information has been communicated and ask for the names and contact info of integral team members at the center, from the social worker to the billing office. Once you’ve made your decision you can focus on healing and recovering.

Choose the right summer camp . . . o t How HOW TO GUIDE 2018

efore you can pick the right summer camp, you need to first define right. Start by asking one simple question— what do you want your children to gain from their experience? You send them to school so they can get smarter and off to baseball practice so they can become a better hitter or pitcher. Sending them to camp shouldn’t be any different. The goal is to get children excited about summer by finding programs that speak to their current interests. By starting the process with you and your child on the same page and speaking the same language, you’re more likely to find a camp you both love. Great things happen when technology is put aside and youth and nature bond. Summer camps are the perfect venue for that bond to happen. Camp

adventures can impact the way children and teens view themselves and the world around them, providing an opportunity to become a positive force for others. Camping is a way to reach the next

generation, to expose them once again to the wonders of nature, to pull away from the instant gratifications of society and technology, to calm restless souls in the solitude of nature, all the while having great fun in a safe environment. Nature hikes, wilderness adventures, canoeing, marksmanship, archery, drama, art, and much more provide today’s youth with an enriching get-away. Making new friends, laughter, exploring beyond the normal realms of day

to day life, and feeling accomplished as challenges are successfully conquered, that is camp life. Through team competition camps create engaging, competitive, and exciting environments which allows personal walls and barriers to be broken down, promoting unity among diverse peers and strengthening character. A week at camp can be an unforgettable experience for any young person. “Show me a happy camper and I will show you not only a more prepared youth to face life’s challenges, but also a leader in the making,” Hat Creek Camp Program Director Kirstin Wilson. Think of camp as an investment. Children and teens gain so much by attending summer camp. They build selfconfidence, meet new friends, and gain independence in an inspiring setting.

Choose an HVAC company . Choose an HVAC company . . . o t o t w HHoow

HOW TO GUIDE 2017

HOW TO GUIDE 2018

T A

he breakdown of your heating temperatures system rise outors the air conditioning sidebe and financial pressures can a huge nightmare heat up, many homeowners particularly during times of are turning to unlicensed conextreme temperature. Even in modertractors to repair their HVAC systems —a ate weather, the HVAC system in your situation with the potential seriousand home is important to yourfor comfort physical safety. and financial dangers. The unlicensed contractors is The use bestofHVAC contractors are helpan increasing trend tied largely to the ful and reliable, but a poor contractor struggling economy. As moreand professioncan cost you extra money heartals are being laid off, they are offering ache. Good word-of-mouth will go a to do handyman jobs cheaply on the long way toward helping you findside. the At theprofessionals same time, homeowners are also best in your area. struggling and looking Create afinancially, list of candidates and for callthe type of discounts an unlicensed contracthe Better Business Bureau, your tor can board offer. of contractors or the state’s Although the cheapest going builders’ association to price checkoron their with “a buddy’s friend” might sound reputations. Your town’s building good, the results bealso devastating. inspection officecan may have inforImproper installations — which canwho mation for you. Avoid companies

have many complaints on their record. entail incorrect wiring, venting, After narrowing the improper list, call and ask undersized ductwork, invalid warranties about pricing, guaranand lackwarranties. of guarantees teesaand If — can be hazardous to your HVAC system, can result you are purchasing new in uneven and inefficient heating and equipment, find out if you cooling and can even be fatal. need a separate service contractor or if routine FIVE QUESTIONS TO ASK maintenance and repairs There are five key questions for homeare included in the price owners to ask when looking for qualified of installation. Does the HVAC contractors: company provide around• Is the contractor licensed by the the-clock emergency state? Many states have websites listing service? the contractors and the licenses they Reputable HVAC compahold. nies are fully licensed, • Does and the contractor bonded insured. Ifhave the right license for the work being performed? a worker is injured or • Is the contractor a certified member causes damage to your of a professional organization? To property their insurance shouldobtain acover designation of “NATE (North American it. These companies will usu-

ally belong to recognized professional Technician Excellence) Certified,” and trade organizations such asfor the example, contractors must pass a rigorAmerican Society of Meous test. chanical Engineers, the • Did the contractor provide referAir-Conditioning and Reences, and havefrigeration you solicited proposals Institute and to compare notthe onlyAmerican the cost but also the Society of specific work toHeating, be performed and the Refrigeration materials used?and Air-Conditioning • Is the contractor fully insured and Engineers. Membership bonded? This includes workers compenin one of these organizasation insurance andis general liability tions not automatic. insurance for damage to your or Applicants arehome required injury to the homeowner or the contracto have certain certificator’s employees. Relying onprofessional an unlitions, meet censed HVAC contractor may you standards andsave meet or some money, but the long-term costs exceed other requirecould leave youments out in before the cold. they are admitted. HOW TO SAVE verify that Before any work begins The warmer months are a great time all required building permits are in

‘Most companies will file permits on your behalf but don’t assume that it has happened. Check with the permitting office first.’

A JOHNSON CONTROLS COMPANY A JOHNSON CONTROLS COMPANY

place. Most companies will file permits to to but reduce your energy ontake yoursteps behalf don’t assume that it consumption at home, while saving has happened. Check with the permitmoney on cooling costs. ting office first. Work done without When it comes to conserving energy, proper permits could result in fines many people think that transportation and time delays. is Have the most energy-guzzling sector, a load calculation done before but it’s not. Buildings are — and that installing a new system in any buildincludes your home. ing. Buildings change over time due to Accountingcracking for 40 percent of energy foundations or settling and use in the U.S., buildings represent a will affect the efficiency of equipment. significant potential for reducing enThe HVAC company shouldn’t use ergy consumption and greenhouse gas the old unit to determine the proper emissions, according to the American size of a new one. If your old unit was Society of Heating, Refrigerating anda inadequate, you will want to install Air-Conditioning Engineers (ASHRAE). unit that is a different size. Speak with More thaninstaller 80 percent of homes in your HVAC to determine the the United States have air conditionright size and model for you. ing, andthese approximately 16 percent With tips, you can choose of a residential electricity use is reliable HVAC business thatfor willair help conditioning. you for years to come.

. . . o t w Ho

he emotional pain and suffering that occurs when a loved one dies can be crippling. Choosing a funeral home is never an easy process. But there are ways to make this difficult decision a little bit easier on you and your family. Here are some tips to help make choosing the right funeral home less stressful.

COMPARE PRICES

Choose a funeral home

While this may be a smart option for some people, it’s not always the right option. Depending on how long it’s been since you needed to make funeral arrangements for a loved one, the price of that particular funeral home may have gone up. That’s why it is wise to shop around and compare the prices of the various funeral homes in your community.

‘... not all funeral homes are created equal, and each offers their own different ways of handling a service.’

If you have had to make funeral arrangements in the past, you may be tempted to just go with the funeral home you have experience with.

HOW TO GUIDE 2018

ASK FOR REFERENCES FROM FRIENDS

Even if you have never had to choose a funeral home in the past, you may have a friend or two who has. Ask these

friends if they would recommend the services provided at the funeral homes they have used.

ASK ABOUT PACKAGES Whether your deceased loved one had a specific list for their final wishes or you have to make these decisions for yourself, it is important that you ask a potential funeral home what types of packages they offer. You will find that not all funeral homes are created equal, and each offers their own different ways of handling a service. No matter what type of requirements you have, it is best to choose a funeral home that will cater to your specific needs in order to make this difficult situation a little less daunting.

CARING STAFF When visiting a potential funeral home, the funeral director can be a major deciding factor when you choose whether or not to use this particular company to handle the funeral of your loved one. A caring, professional funeral director and staff will take the time to explain your options. If the director seems short or uninterested in your needs or makes you feel like you and your deceased loved one aren’t important, you won’t want to choose this facility to handle the funeral of your loved one. While dealing with the death of a loved one is hard, choosing the right funeral home can help relieve you of some stress.

Choose a pest control company . . . o t How

HOW TO GUIDE 2018

n invasion of ants, spiders, roaches and termites can ruin the serenity of your home or place of business. And an untreated pest infestation can quickly become unmanageable. If it involves termites, it could even threaten the structure of your home. Everyone has problems with pests occasionally. The solutions are sometimes as simple as removing trash or securing screens on the windows. But if you’re dealing with an infestation, it’s probably time to call in the help of a professional. The right pest company will handle the problem quickly. 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 the services you need. Look on the internet, in a phone book and even the advertising section of your local newspaper. Ask friends, family and businesses who they use to keep pests away. Next, research each company’s background.

‘... if you’re dealing with an infestation, it’s probably time to call in the help of a professional.’

TYPES OF TREATMENTS

Narrow your list further by contacting the companies directly. Ask them what kind of

chemicals they use when treating a residence. Powders, sprays and other forms vary dramatically in effectiveness as well as toxicity. If you have children or pets, this issue is an urgent concern. Many treatments are toxic to people and animals. Poisoned bait, for instance, is a method that homeowners with children or pets should avoid. Some companies offer environmentally friendly, non-toxic alternatives, such as naturally based compounds that will not harm children or pets. These treatments might include citrus-based agents and trapbased rodent control.

RESEARCH Before contacting anyone, educate yourself about common pests in your area. Check to see if these pests are

on your property. You might find evidence such as droppings or other indications that they are in your yard or home. Look on the internet to discover which solutions are used to control these pests. The company you choose should do a free, full inspection of the property before providing services. Be sure to ask questions. Reliable, reputable businesses should always answer your questions honestly. Finally, trust your instincts. If the workers seem inexperienced or you don’t trust their information, look elsewhere. A quality pest control company will not only help you with your current situation, it will also prevent future flare-ups. You can take comfort knowing that this is one problem someone else has under control.

. Select an independent school . . o t w Ho HOW TO GUIDE 2018

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 opportunities 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 and 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, con-

cert 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.

Choose a pet cremation center . . . o t w Ho

HOW TO GUIDE 2018

aying goodbye to a pet can be a heart wrenching process. After all, your furry friend has probably been a member of your family for years. But you can take some of the sting out of losing a pet by having a plan to memorialize your lost family member and care for the remains. One increasingly popular option is pet cremations, carried out by veterinarian offices or centers that can help you cherish your pets memory and honor its remains. If you’re dealing with the pain of losing a pet, here are some things to think about.

DIGNITY The ideal centers will treat your departed pet with honor. The staff should have a love of animals. When you speak

with them, they should demonstrate concern for you and your pet’s remains. Staff members should empathize with you, as well as understand the intensity of the grieving process. Decide if you want the cremated remains — cremains — returned to you. In that case, you should ask for an individual cremation. In communal or mass cremations, the cremains are not returned. Some centers will allow families to spend time with their pet before the cremation service. You may even be allowed to be present at the time of cremation, if you so choose. Talk to the cremation center about their policies for family members.

SERVICE

MEMORIES

Ask how your pet’s body will be handled. The best pet cremation services are flexible about the process. They should be willing to pick up your pet wherever you choose — typically the veterinarian’s office or at your home. You might drop the pet off for cremation. Most services will offer you a choice of urns or other containers to memorialize your pet. Some centers offer urns that can be customized with photographs, engravings and other design details that have special meaning for you.

The process of grieving about the loss of your pet may take some time. Remember the memories you shared and the smiles that come from the pure love of your pet will help heal your pain. Consider putting a special picture of your pet near the urn on your mantle or shelf. Check with the cremation service to find out about customized products they offer to help memorialize your departed pet. One of the best ways to honor their memory is to make a donation to a local animal-related charity. A donation in your pet’s name will help extend their legacy and brighten the lives of other animals. Ask if the cremation center donates to the local animal shelter or other organizations in your area.

‘A donation in your pet’s name will help extend their legacy and brighten the lives of other animals.’

. . . o t w Ho

here are few better ways to honor a deceased loved one’s life than with a beautiful monument or headstone at the grave site. Options for unique monuments to honor any personality are near endless. To find the perfect monument for your loved one, you first need to pick an excellent monument maker.

SELECTION The best monument companies have a wide selection of stones and styles. Most of them display headstones on-site so you can view the products firsthand. It is much easier to see them in person than trying to make a choice through a catalog. Most headstones consist of granite because of its beauty and durability.

HOW TO GUIDE 2018

Choose a monument

This stone comes in different colors and textures. Each piece of granite is unique. You also have a choice of finishes. There are different polishing, sandblasting and carving styles. Some companies will show you computer simulations while others will have examples on display. Even when your budget is tight, look at headstones in a variety of price points. It will help you understand what your money will buy. It will also help you compare the differences.

KNOWLEDGE High-quality monument companies employ people with extensive knowledge about products and techniques. It is essential you choose a headstone

that will withstand the elements. The materials, carvings and decorations will factor into the longevity of the monument. Inquire about the durability of natural stones and the depth of the lettering. If the carvings are not deep enough, the letters will wear away quickly, making the headstone undecipherable.

CUSTOMIZATION Many people are happy with a traditional headstone, but you have the option of including symbols, quotes and other elements. Look for a company offering designs and layouts that will reflect an individual’s personality and interests. You can honor religious beliefs, clubs, achievements or careers. It is a nice way to detail a person’s life.

If you have something truly unique in mind, simply ask the salesperson. Most companies will cater to your request or refer you to someone who can help you.

SERVICE Choose a company that has been in business for many years. They should have stellar customer service and an impeccable track record. Do not tolerate high-pressure sales tactics. After all, you are purchasing a headstone. Every customer should be treated with patience and respect.

OTHER SERVICES Monument companies also offer a variety of other services, such as decorating landscapes or memorials for various sites.

. . . . . o t o t w w o HHo

HOW TO GUIDE 2018

E T

ven luxury automoires the are best one the most bile will ride poorly if you its tires important purchases aren’t properly maintained. can make for your vehicle. That means choosing set of They’re the only pointaof quality tires is only the first step. You’ll contact between your machine and the need to regularly balance and rotate road. your tirestires in addition periodically If your let you to down, the conhaving them inspected for dangerous sequences can range anywhere from wear and to tear. irritating tragic. Here are few things considerautoEven the asafest, most to luxurious next time put tires on yourdriving car. mobile willyou provide a horrible experience with bad tires. Likewise, a new set of tires BUDGET on an older care can Cost should play a role in your greatly increase handling and ride decision-making process. Figure sure out comforts. In either case, making what you the canright afford to pay for for tires. you have kind of tire your It will stop fromconditions wasting time at vehicle andyou driving in addiexpensive shops.tread Hopefully, you will tion to sufficient are key safety only need to buy tires once a year; concerns. depending on you howneed muchtoyou drive Here’s what think about your whencar. it’s time for a new set of tires.

HOW TO GUIDE 2017

Choose a tire shop

TYPESYOUR OF TIRES CHOOSE BUDGET

When selecting tires, Tires costs range fromconsider the verythe climate you live in.downright If it is dry and inexpensive to the exorbiwarm, then a standard tire will be fine. tant. It’s understandable that But ifshould you live in a place gets a lot cost play role inthat your of snow, then youprocess. will want a better decision-making grade of out tires. Snow tires Figure what you canare good for snow or afford todry payland. for your tires. It High performances will prevent you from tires wast-are good for driving at high speeds. If you ing time at expensive shops. commute ayou long distance, be sure to Hopefully, will only need choose high-mileage tires. to buy tires no more frequently than once a year; depending USED on how muchNEW you OR drive your Some people don’t mind purchascar. ing used tires. Pulloffs are tires that came with a new TYPE car, but the new CHOOSE OF TIRES car buyer wanted custom Asand a There are tires for every tires. season result, pulloffs are almost new. Does road condition. When selecting tires, your tire the shop guarantee pulloff consider climate you live in. Iftires? it If adry dealer new and pulloff tires, is and sells 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-performance tires are good for driving at high speeds. If you commute a long distance, be sure to choose high-mileage tires.

and a new one. Inspections whatattaches you are getting. ensure thechain casingstores is strong enough to National usually guaranhold a new tread.They might be more tee the product. If youbut arebuying on a budget, and costly, them apulloffs big store retreads may give are yougreat peacechoices. of mind. Local Anyone used tires shops willwho likelypurchases be more inexpensive, should each tirepersonalized thoroughly. and youinspect might get more Bubbles, service. holes, cuts and metal showing are a signyour that choice you should notfitpurUltimately, should chase the product. It may not be safe. your priorities and budget.

each tire must replicate the way it was are available through national chains installed theshop. previous car. even Failure or a localon auto You may buy to do online. so will result in the steel belt them breaking through. Buying tires in person allows you to When the tires haveYou hadcan thesee worn inspect tires. exactly treads replaced, they When are called what you are getting. you purretreads. A online factoryitbuffs the old chase tires is difficult totread judge

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

When you purchase tires online it is difficult to judge what you CHOOSE AN OUTLET There are a variety of ways are getting. the tire installer not realize you canmay purchase tires. that They

CHECK OUT THE SHOPS

HOW TO GUIDE 2018

. Find a good appliance store . . o t w Ho

uying a new appliance is a big investment. So you’re going to want to get the best price possible. Shopping around may sound like a hassle—but it can actually be fun. Before you start your search, determine your budget and needs. Know exactly what you need, what you would like to have, and what you can realistically afford. Now, it’s time to go shopping.

of the area, or order it. If your refrigerator has stopped working, this is especially important. Many appliance stores also offer free delivery in the local area. You can get a good idea of the services offered by various companies via business review sites. Don’t dismiss negative reviews but keep in mind that customers who have good experiences are less likely to crow on the internet.

ONLINE

ADVERTISEMENTS

First, do an internet search for appliance stores in your area. Local stores are easier to work with and you will likely be able to get your appliance much quicker than if you had to go out

For most of us, getting a good deal is probably a top concern when shopping for appliances. Check your local newspaper and your mailbox for circulars announcing the latest, greatest deals

on appliances. Many stores will use price-matching to stay competitive. Not all stores have policies on price-matching, so be sure to ask first. If you can find a lower advertised price on the exact same product and model elsewhere, many stores will sell you the product for that price. As always, conduct research on the appliance you need to make sure you are spending money wisely. Not all appliances are the same; just because one manufacturer was excellent two decades ago doesn’t mean the quality will be the same now.

STORE POLICIES Review the store’s policies about

warranties and repairs. If the appliance comes with a one-year manufacturer’s warranty, you might not need an additional warranty from the store. Appliances have a yearly sale price cycle. Washers and dryers usually go on sale during the winter. Refrigerators are often discounted in the spring, and stoves and ovens in the fall. If you don’t need it right away, consider shopping seasonally for the best deal. Consider these questions when you’re looking for an appliance store: do they have a delivery window, warranty options, repair services and range of products? Answer these questions, and know that you’ll purchase your appliances with confidence.

HOW TO GUIDE 2018

. . . o t w Ho D

Choose a dermatologist

on’t pick a dermatologist at random using the internet or phone book. Spend plenty of time doing research about skincare professionals in your area to get a good understanding of their specialties and track record dealing with patients. Here are a few things to consider:

SPECIALTY DERMATOLOGY A dermatologist is a doctor who specializes in treating skin conditions, but their work can fall into many sub-specialties that may or may not match your health needs. All certified dermatologists earn their medical degrees and undergo three more years of post-residency specialty training on helping patients with skin, hair and nails. Many dermatologists have general practices and are open to seeing patients with a wide variety of skin concerns, from acne and skin diseases to facial wrinkles. Many other dermatologists, though, focus their attention and training on narrower aspects of dermatology such as cosmetics, surgery or conditions that affect children.

CONSULTATIONS Most dermatologists will be willing to consult with you on your first visit for a flat fee, and they may be willing to apply this fee toward a procedure. At your consultation, you’ll want to learn more about the dermatologist, including personality, experience level and aggressiveness about

procedures and treatments. Some doctors will have different plans of action, particularly for cosmetic issues, so it’s a good idea to let them know your concerns and see what path they recommend. Listening is the most important thing you can do during a consultation. You may have interest in a particular procedure but let the doctor make a recommendation first. This will give you some insight into their style of practice.

CERTIFICATIONS Find out what certifications the dermatologist holds. Check the doctor’s website, and or the American Academy of Dermatology (AAD) online at aad.org. The AAD keeps a database of dermatologists who are certified to practice in the United States. You can check that your doctor is board certified and see a listing of their specialties.

PROCEDURES If you’re going to the dermatologist for a specific procedure, you should look for a doctor who has plenty of experience. Some of the best dermatologists will do the same procedure several times per day, keeping their skills sharp and making them experts at performing it. You should also ask who is going to perform the procedure. You should know up front who will be doing the procedure so that you’re comfortable with your decision.

. Choose a shredding service . . o t w Ho HOW TO GUIDE 2018

onfidentiality is important, both for businesses in competitive industries and private individuals. Thatâ&#x20AC;&#x2122;s why a good shredding service can be a major help in keeping fraudsters and potential spies from viewing your documents. Some handle their documents by throwing them in a public trash receptacle or using a compact shredder. These options are not reliable. A compact shredder breaks easily and is also cumbersome to manage. Shredding services will handle confidential paperwork securely, easily and efficiently. Individuals, medical professionals, attorneys and banks are particularly in need of shredding services. If sensitive, confidential information is leaked, you

could be legally liable. Why risk a lawsuit? A good document shredding service will help you avoid the hassle and scare of being vulnerable to lawsuits and crime.

WHAT TO LOOK FOR Trust is the key word when looking for a document shredding company. After all, they will be handling your confidential papers. Ask other area businesses and/or friends which shredding company they use. Look for a company with a long track record. The more experience they have, the better service they can provide. Inquire about their method of destruction. It is a key consideration, as you need to be certain these documents are handled with great care.

CERTIFICATION

Choose a company that is certified through the National Association of Information Destruction (NAID) and be sure to mandate that the shredding company be AAA NAID Certified, the highest level of security possible. AAA NAID certified businesses maintain 24 hour digital surveillance, monitored alarm system when secure destruction building is unoccupied, security protocol for employees and entrance into the secure shredding area. A certified service takes superior precautions so that your documents will not wind up in criminal hands When interviewing shredding service companies, ask about liability insurance. You need to know that you

are protected in the event something happens while your records and documents are being transported. Take your budget into consideration. Ask for written quotes from several companies. Comparing these prices and service details will help you understand what you are paying ahead of time. When choosing a document shredding service, always consider confidentiality and safety first. The lowest price quote will not always be the best. Remember, the reputation of your company is at stake. Donâ&#x20AC;&#x2122;t take chances with your company or personal identity. With identity theft growing daily, you need to take every precaution to protect yourself and your business.

. . . o t w Ho

HOW TO GUIDE 2018

s member-owned 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. Because the focus is on serving members and helping them succeed, many credit unions make it a priority to offer free financial education programs to their members.

SERVICE AND CONVENIENCE When deciding about financial institutions, you will want to consider 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

Choose a credit union

access important to you? At both credit unions and banks, accessing your accounts through your PC, smartphone or other mobile device is now standard. Many institutions offer the ability to deposit checks with your smartphone. Be sure that the organization you consider has the technology to meet your needs. Consider whether the credit union has a location near you. Sometimes people hesitate to ask about a credit union because they don’t believe they are eligible to join. Decades ago, credit union membership was often restricted to a single employer group. That has changed. Many people can now join and take advantage of credit union services. Sometimes people hesitate to ask

about a credit union because they don’t believe they are eligible to join. Decades ago, credit union membership was often restricted to a single employer group. That has changed. Many people can now join and take advantage of credit union services.

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? Compare those rates to what you might earn if you moved those accounts to a credit union.

Are you planning to purchase a truck or car in the near future? Before you sign the dotted line, be sure to compare the rates offered at your credit union. What about other loans and the rates you are paying? If you have a current car loan, personal loan, mortgage, or other loan with another lender, you may want to evaluate whether a credit union can refinance that loan to put more money in your pocket every month. 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!

. . . o t w Ho

HOW TO GUIDE 2018

Select a quality hearing aid

f you’re suffering from a hearing loss or impairment, you aren’t alone. More than 40 million Americans suffer from some form of hearing loss or impairment. Hearing aids can help relieve the consequences of this condition and ensure that the hearing-impaired lead richer, fuller lives. If you think you may need a hearing aid, it’s a good idea to talk to an expert. Types of hearing loss vary widely and are sometimes quite different from person to person. Recent innovations in hearing aids include digital processors to isolate and amplify the frequencies a patient needs most. Ask your doctor about your options for a quality hearing device.

STYLES Gone are the days of bulky, obvious hearing aids. The most popular hearing

aids on the market fit completely within the ear canal. While they are attractive and barely noticeable, their small size means they are typically more expensive. Other styles include half-shell, full-shell, behind-the-ear and open-fit hearing aids.

a large difference in cost and performance. Two devices may look similar but produce dramatically different results. The difference is in the internal electronics. Nearly all hearing aids available today are digital. They will filter out background noise, enabling the wearer to hear a conversation clearly. This technology is particularly effective in crowded settings and can be tailored to help with your particular kind of hearing loss. If you have an outdated hearing aid, consider upgrading to a more modern device

INTERNAL ELECTRONICS

OPTIONS

The design of a hearing aid will make

When you are searching for a hearing

aid, look for special features that will enhance your hearing and your life. Some examples include connecting wirelessly to Bluetooth electronic devices, such as smart phones. It allows you to hear phone conversations directly through your hearing aid. Telephone adapters sense when you are talking on the phone and adjusts the setting to make it more clear during your conversation. With a directional microphone you can adjust your device to pick up sound that is directly in front of you. Some devices even allow you to adjust the settings without touching it. A remote control can change the directional microphone or amplification. There are a lot of beautiful sounds in the world. Don’t let your hearing loss cause you to miss any more of them. A hearing aid can help you.

WATKINS HEARING AIDS CENTER WATKINS HEARING AIDS CENTER WATKINS WATKINS HEARING HEARING AIDS AIDS CENTER CENTER is a medically focused practice, committed to isis a medically practice, committed to committed a medically is focused a medically focused focused practice, practice, committed toto providingproviding the highest quality hearing healthcare theproviding highest quality hearing healthcare providing the highest the highest quality quality hearing hearing healthcare healthcare service. We recognize our responsibility to service. We We recognize ourrecognize responsibility to the service. service. recognize We our responsibility our responsibility tothe to the the community to advocate, develop and implement community to advocate, develop and implement community community to advocate, to advocate, develop develop andand implement implement quality, comprehensive and cost-effective quality, comprehensive and cost-effective hearing hearing quality, comprehensive quality, comprehensive and cost-effective and cost-effective hearing hearing healthcare which educates, informs and healthcare which educates, informs and healthcare healthcare which which educates, educates, informs informs and and benefits our patients. benefits our patients. benefits benefits our patients. our patients.

Your hearing ishearing vital to living your to life the Your is vital to living your lifeliving tolife theyour fullest. Yourhearing Your hearing is vital istovital living to your life to the to fullest. the fullest. fullest. Spring into a of better hearing. Spring intoworld ainto world better hearing. Spring Spring a of world into a world of better of better hearing. hearing. Call to schedule your free hearing consultation today! Call schedule free consultation today! Calltoto schedule Callyour to schedule yourhearing free yourhearing free hearing consultation consultation today! today! Contact Contact Contact Us: Us: Contact Us: Us:

The Shoppes atPark College Park The Shoppes College TheatShoppes The Shoppes at College at College Park Park 1417 A S Main Street, Suite 16A 1417 A S 1417 Main Street, Suite 16A A 1417 S Main A S Main Street, Street, Suite Suite 16A 16A Farmville, VA 23901 Farmville,Farmville, VA 23901 Farmville, VA 23901 VA 23901

1-877-240-3767 1-877-240-3767 1-877-240-3767 1-877-240-3767 (TOLL FREE) (TOLL FREE) (TOLL (TOLL FREE) FREE)

. . . o t w Ho

HOW TO GUIDE 2018

f you’re thinking about getting a new pet, put some thought into it. After all, a pet will become a member of your family. Here are some things to consider.

TIME COMMITMENT When choosing a new pet, one of the most important things to weigh is how much time you’ll have to groom and care for them. Be realistic when you think about this. There’s no such thing as a pet that doesn’t require care, but some are much easier to take care of than others. Just within the dog family, for example, there are a wide range of grooming and companionship needs. The same thing applies to their health. Pet care could require just a few minutes every day or many hours, depending on your pet

Choose a pet NOT ON A WHIM

A mistake some pet buyers make is choosing a new pet on a whim. This is a big decision, not to be taken lightly. You need to spend time educating yourself on all the positive and negative aspects of any animal you’re considering making a part of your family. Finding a good, reputable pet store can help with this. The best ones will have in-depth knowledge about different kinds of pets — ideally with employees who love animals and have lots of firsthand experiences they can share about living with them day to day — so take your time and find people who can help you learn, not just sell you an animal.

YOUR HOME AND LIFE The best pets will always be a good fit for your lifestyle — including the place

you live. Some pets require a large yard, pasture land and room for exercising. Others will be perfectly fine living in a corner of a tiny apartment. Equipment, cages, tanks or toys can vary widely, too, so ask about all the extras your pet will require. The age of your children can play a big role in the decision, too. Some pets will do well with children, while others require more caution and perhaps shouldn’t be owned by anyone with children.

LIFE SPAN Being a good pet owner means making a lifetime commitment to your pet. Mice and hamsters have a life span of only a couple of years while the average dog or cat may live 10-15 years. And a few pets, like large birds and tortoises, have lifespans that span many decades, meaning there’s a good chance they could outlive their middle-aged human owners. That might mean planning for their care in your will. With a careful choice, you’ll have many years of loving companionship to experience in your own life.

. . . . . o t o t w o w HHo

HOW TO GUIDE 2017

M T

ost people think of their aking yourpets pet as to members the vet of their In life. fact, regularly canfamily. save its some people even refer For one thing, you can to them ascatch fur children. That’s why an illness in its early finding Catching a veterinarian or veterinary stages. a disease early could clinic is so important. You need tooffind save you hundreds or thousands qualified care to ensure the long-term dollars. health your think pet. of their pets Most of people your tofamily. the vetInreguasTaking members ofpet their fact, larly can saveeven its life. For thing, some people refer to one them as you children.” can catch That’s an illness its early “fur whyin finding a stages. And catching a disease veterinarian or veterinary clinic early is so could save You you need hundreds thouimportant. to findorqualified sands dollars. care toof ensure the long-term health of Butpet. in a difficult economy, pet care your might get overlooked. Routine But in a difficult economy, petcare care might get even seem unnecessary. After might overlooked. Routine care all, doeven humans skip medical and denmight seem unnecessary. After tal check-ups theymedical seem like all, do humansifskip andthey’re denin good shape? tal check-ups if they seem like they’re

HOW TO GUIDE 2018

Choose a veterinarian

Unfortunately, pets age faster than human in good beings. shape? Their bodies and internal systemspets can age change rapUnfortunately, faster than idly, sometimes in a matter a few human beings. Their bodies of and intermonths. nal systems can change rapidly, someRoutine veterinary caremonths. will help times in a matter of a few your pet to live a longer Routine veterinary careand willhappy help life. pet to live a longer and happy life. your Choosing a good veterinarian that Follow these guidelines to find a suits you andthat your pet can seem professional will give your petlike the a difficult task. If you follow these best care possible. guidelines, you should be able to find ASK FOR a professional thatREFERRALS will give your pet Your family friends may know a the best care and possible. good veterinarian. Listen to their exREFERRALS periences ASK withFOR a critical ear. You need family and friends may know toYour find someone who is professional, a good veterinarian. ListenAsk to their compassionate and timely. specific experiences with critical ear. You questions, such asawhether the clinic needlikes to find someone who respond is profes-to staff animals. Do they sional, compassionate and timely. Ask concerns in a timely manner?

specific questions, such as whether Research veterinary and veterinarthe clinic staff likes animals. Do they ian clinicstoon the internet. Make amanlist respond concerns in a timely ner? of prospective candidates, then check Research veterinary veterinarwith the Better Businessand Bureau in ian clinics onsee theifinternet. Make a any your state to there have been list of prospective then complaints against candidates, these professionals. check withthe the Better Business BuHow were complaints resolved? reau in your area to see if there have MAKE A VISIT been any complaints against these After making How a list were of choices, visit professionals. the complaints resolved? the veterinary office or clinic. Call ahead and request a tour of facilities. MAKE A VISIT The staff should have the time to anAfter making a list of choices, visit swer your questions. the veterinary office or clinic. Call You should see a clean and wellahead and request a tour of facilities. maintained office. Observe how the You should see a clean and wellstaff interacts with clients and pets. maintained office. Observe how the Are they warm toward the animals and staff interacts with clients and have pets. owners? The employees should Areaffinity they warm toward the animals an for animals.

and owners? Sit in the the waiting waitingarea areaand andintroduce introduce yourself yourself to to other otherclients. clients.Find Findout outifif they are are happy happywith withthe theservices servicesand and staff. Also, Also, inquire inquireabout aboutprices pricestoto verify verify it it is is within withinyour yourbudget. budget. If you you feel feel uncomfortable uncomfortableduring duringyour visit, takingtaking your services your consider visit, consider your services elsewhere. elsewhere. Finding the the best bestvet vetfor foryou youand andyour Finding yourwill pettake willtime takeand time and research. pet research. You You should putsame the same into should put the efforteffort into finding finding doctor youras animal as a doctorafor your for animal you would you wouldone in finding one for yourself. in finding for yourself. bottomline lineisisthat thatyour yourpet’s pet’s The bottom health is is aa cooperative cooperativeundertaking undertaking health between you youand andyour yourveterinarian. veterinarian. between Finding the the perfect perfectvet vetfor foryou youand and Finding furry, scaly scalyor orfeathered featheredfriend friend your furry, ensure your yourpet petisiswith withyou youfor for will ensure years to to come. come. years

. . . o t w Ho

HOW TO GUIDE 2018

etween 60 and 80 percent of all new jobs in our country are created by small businesses. America depends on small business. Every community craves the local flavor of a small business. Your small business will enhance your town or city. So how exactly can you make your dream a reality? Ask yourself if you are ready, willing and able to run a small business. This undertaking requires lots of hard work and persistence. Not everyone is up for the job. A small-business owner does many things. You may need to answer the phones or make service calls. Also, you may have to run your own marketing campaign and then become a sales person. Incredible energy is required, as a business owner has to work 12hour days with little time off. A great idea and lots of passion are simply not enough. You will need a skill set and expertise that you may or may not have acquired as an employ-

Start a small business

ee. The good news is that if you donâ&#x20AC;&#x2122;t have these skills, you can learn them. Help is available through your local Chamber of Commerce, Small Business Administration and other not-for-profit agencies. It is important to start training yourself now before it is too late. If you have a desire to succeed starting your own small business, here are some things to consider: 1. Identify your business opportunity. Take an inventory of your skills, background and expertise. What are you willing to learn? Your passions, interests and hobbies can guide you. If your service involves meaningful work or something you are genuinely passionate about, your long days and hard work will feel fulfilling. 2. Determine if there is a need in the community for your product or service and research the competition. Understanding your market and competition is always necessary if you want your business to succeed.

3. Understand that you will need to create a mission statement and a detailed business plan. Usually a business plan includes a vision, description of the organizationâ&#x20AC;&#x2122;s structure, how the business will be financed and the capital will be used. Your plan should also include projects of growth and profit or service goals. Businesses with strong, solid business plans are more likely to succeed. It means you have thought of all aspects of the business and can articulate your vision clearly. 4. Determine where you will find the capital to start your small business. Businesses fail because they donâ&#x20AC;&#x2122;t have enough funding. If you have a good business plan, chances for receiving funding will increase. You will demonstrate skills, forethought and credibility in asking for capital regardless of whether you are asking a bank or a relative. 5. Explore the requirements for doing business in your area. Are licenses

and permits required? Do you need to incorporate? At this point it may be wise to consult the volunteers at the Small Business Administration. They can provide valuable advice about the benefits of particular business structures: a sole proprietorship, a limited liability corporation (LLC), an S corporation, a C corporation or partnership. Your choice will have an impact on your tax payments, so it is essential to consult professionals about setting up your accounting system. 6. Part of the fun of owning your own business is naming it. The name of your business says everything about it. Put some serious thought into this. Your name should fit your present situation and particular niche now, but it should also fit if you expand into new products, services and markets. Check to make sure the name is not already in use. Otherwise, you may be forced to abandon your business name due to trademark or copyright infringement.

. . . o t w o H Y

Choose the right bank

ou work hard at making a living. The last thing you want is to feel uneasy about where you place your dollars. When researching financial institutions, look at these four areas: Products and Services. How you will use the account so you can match your account to your needs. What fees can be charged? Is a minimum balance required? Ask for a rate schedule that spells out fees for transaction and account types. Overdraft charges and late fees can become expensive. How does your bank treat the occasional mistake? What kind of fees do they charge for overdrafts? What services do they provide to assist with prevention and overdraft protection? Banking Convenience. In person or online? Many banks now offer deposit and bill pay services through mobile apps, as well as online banking through their institution’s website. Be sure to check into your bank’s online and mobile security features and policies to guard against potential fraud. Despite technology, having a personal face-to-face relationship with your bank can make a big difference in your financial well-being. When choosing your bank, find out how knowing your banker can make difference in whether your new loan’s repayment options will

be tailored for your situation. Community investment. Community investment involves the investment of both time and money. Through lending to business and industry, banks are major economic drivers for their communities. How does your bank support the organizations and events that contribute to improved quality of life? Does your bank provide financial education? Be sure to take advantage of in person and online library services whenever possible. Financial stability. How long has your bank been in business? What does the bank’s history tell you about its ability to weather the financial landscape? Your bank’s balance sheet should be healthy enough to provide stability in the midst of market turbulence. Most banks are members of the Federal Deposit Insurance Corporation (FDIC) which provides deposit insurance up to $250,000 per depositor. This amount can vary depending on the type and number of accounts held by a customer. Your funds should be safe when held in a solid banking institution. Your financial well-being depends upon a relationship of trust with your banking institution, so do your homework when choosing your bank. Find out all you can about your bank and feel secure that your choice was a wise one.

‘... having a personal face-to-face relationship with your bank can make a big difference in your financial well-being.’

HOW TO GUIDE 2018

. . . o t w Ho

HOW TO GUIDE 2018

Build a deck

un family barbecues, peaceful mornings with coffee and memories of watching sunrises and sunsets are all made possible with one home improvement project: a new deck. How do you build one? While complicated, intricate plans may be best left to the pros, a simple deck is very feasible for many do-it-yourselfers. Here’s what’s involved.

SAFETY AND REGULATIONS Before you start any project, it’s important that you know how to do it safely and follow any applicable rules for construction projects in your area. Make sure you know and follow the safety instructions for the tools you’ll be using, including using protective equipment like safety glasses and gloves when needed. You should also check with your city or county’s building department to make sure you’ve got the right permits and know the requirements for your deck. Many municipalities regulate the footing depth, materials and location of your deck, including setback distances from utilities or property lines.

THE PLAN Once you know the applicable rules and have an idea about the deck you want to install, you can start making more concrete plans for turning that dream into reality. Start with basic measurements and a materials list. Every deck will need joists, decking and some type of footing to keep it anchored over the ground. You may also need rails, steps, low-voltage lighting or other accessories depending on your vision for the project. A good home improvement store can make your plans much easier. They’ll have an experienced staff happy to help you make the right choices and estimate your total costs for the project.

THE FOUNDATION Every great deck starts with a strong foundation, but the exact requirements for it can vary greatly depending on your soil, climate and local regulations. Some cities require deep footings to be dug to help it withstand the soil movement that results from freezing temperatures in the winter. While it’s more work to dig deep footings, it’s worth it to have a deck that lasts longer and is safer for carrying weight. Other sites may only require pre-cast concrete blocks with minimal surface prep. Your building

codes — along with smart local practices that you can learn by asking the pros — will determine the type of footings and piers needed for your project.

JOISTS Pressure-treated beams will form a frame for your decking, and it’s important that they’re all straight and cut precisely in length. The more precision you achieve at this stage, the better the finished project will look.

DECKING Before you attach your decking to the joists, it’s a good idea to waterproof the bottom side. You won’t be able to fully coat the bottom surface any other time, so take advantage of the opportunity if you want your deck to last. Lay the decking planks with the waterproofed side down, then attach them to the joists with screws or nails designed for outdoor use. Small spacers can help to keep the gaps consistent. Once the planks are all in place, install end caps — typically 1x6 wood — to give it a finished appearance.

STAINING Finally, to get the longest life out of your new deck, you should stain and seal the deck surface. The process of staining is fairly easy and can add beauty and value to your home with a carefully chosen, tasteful color. The hard part is often the prep work, including sanding and cleaning the wood before you apply it, something that can make a big difference in applying a consistent color and getting a lasting, weatherproof surface. Carefully follow the instructions for the stain and seal products you selected, including all the preparation steps.

DECORATING Once your deck is in place, the fun part begins: getting it ready for family get-togethers and parties with your friends. A new deck is the perfect chance to get a new grille, outdoor furniture set, lighting and other accessories that help you make the most of your investment. With a little work, you can turn your backyard into a fun oasis that adds value and enjoyment for years to come.

. Choose ER or urgent care . . o t w Ho

HOW TO GUIDE 2018

f an injury or illness threatens the safety and well-being of a loved one, it isn’t difficult to make the decision to seek emergency help. But it can sometimes be difficult to assess the medical urgency of a problem, especially in moments of stress when quick thinking is required. Knowing where to go to seek the right treatment can be difficult when the clock’s ticking. That’s why it’s important to know ahead of time the difference between the type of care provided by emergency rooms (ER) and urgent care centers. Knowing in advance can help you save time, money and potentially even a life. The National Institutes of Health estimated in 2012 that more than onefourth of visits to the emergency room could instead have been addressed by the medical staff at urgent care center. Patients who choose urgent care centers over the emergency room, when appropriate, help lower the overall

costs incurred within the healthcare system by approximately $4.4 billion each year. What’s the goal of urgent care, and when is it the right choice? Urgent care addresses the type of emergent situation that lies somewhere between waiting until Monday to see your primary doctor, and rushing straight to the emergency room. Acute care centers began opening across the country in the late 1980s, leading to a dramatic drop in the number of annual emergency room visits. In short, urgent care fills a gap. The American Journal of Medicine reports more than 9,000 urgent care centers currently operate in the United States. Urgent care centers’ walk-in convenience and affordable services help treat more than 70 million patients annually. Most urgent care centers are open 24 hours a day, seven days a week — including holidays. That’s a valuable service if you sprain an ankle on Christmas Day. They are fully staffed to ensure that patients are treated quickly. One of the greatest benefits of urgent care is its affordability. The cost of urgent care is usually one-third that of an ER, and most facilities accept insurance. ERs, though, are required by federal law to provide a free medical exam to anyone who can’t afford to pay. Doctors in acute care must be competent in all areas of medicine. Their training and experience is extensive, and

‘Bring all bottles of medications that you are currently prescribed with you when you visit the emergency room.’

the quality of care is about what you’d expect in an ER. One critical aspect of urgent caregivers’ jobs is knowing when to direct patients to the ER. Urgent care is appropriate for high fevers, cuts requiring stitches, mild allergic reactions, insect or snake bites, minor fractures that do not break the skin, minor back or neck injuries, heatstroke, frostbite and other problems that are not quite emergencies. ERs are better equipped for problems requiring immediate life-saving measures, the attention of a specialist, surgery or hospitalization. Their diagnostic capabilities are superior. Urgent care centers offer X-rays, urinalysis and other simple tools, but they cannot provide involved lab testing or advanced imaging like MRI. If possible, bring all bottles of medications that you are currently prescribed with you when you visit the emergency room. Bringing your own medications to the emergency room will greatly lower the chance of medication mixups following hospital admission. The American Heart Association urges you to call 911 if you exhibit signs of heart attack or stroke. It lists the following as possible warning signs of heart

attack: pain or pressure in the chest and upper body, shortness of breath, clammy skin, jaw pain and nausea. The acronym FACT is used by the AHA to educate people about stroke: facial drooping, arm weakness, speech difficulty and time that symptoms appeared. The last is crucial because clot-destroying drugs are ineffective if too much time has passed. Additional symptoms of stroke include leg numbness, confusion, blurred vision and dizziness. Other valid reasons to seek emergency care include serious breathing difficulties, loss of consciousness, chemical poisoning, heavy bleeding, severe burns, traumatic head injuries, gunshot wounds and sexual assault. Problems that call for psychiatric intervention, such as suicidal thoughts or drug overdose, are also best handled in the ER. Any illness or injury can be life-threatening if left untreated. The distinction between deeply cutting a finger and wounding a major artery is an important one. Educating yourself beforehand will help you choose the best treatment when you have little time to weigh your options.

HOW TO GUIDE 2018