How To Guide - 2019 by The Farmville Herald

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HOW TO GUIDE 2019

TABLE OF CONTENTS Betty J. Ramsey Publisher Farmville Newsmedia, LLC

Betty.Ramsey@FarmvilleHerald.com We are pleased to present you with our fourth 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 and choosing a provider. We’ll also connect you with area professionals and businesses ready and willing to provide you with top-quality service.

Betty J. Ramsey Publisher

Staci Bridge

Jackie Newman

Debbie Evans

Director of Operations

Advertising Director

Marketing Consultant

GENERATOR 3

TREE SERVICE

GENERAL SURGEON

PRE-OWNED CAR DEALER

HOME 5

HEARING AID

LEGAL SAFEGUARDS

VETERINARIAN 21

MEMORY CARE CENTER

INDEPENDENT SCHOOL

BANKING 8

REAL ESTATE COMPANY

RETIREMENT COMMUNITY

CREDIT UNION

STORAGE CENTER

VENUE 25

HARDWARE STORE

ONLINE REPUTATION

HVAC 12

MARKET YOUR BUSINESS

POOLS & SPAS

AUTO BODY SHOP

JEWELER 14

REAL ESTATE AGENT

SHORT-TERM REHAB CENTER

TIRE SHOP

APPLIANCE STORE

PEDIATRICIAN 31

FUNERAL HOME

Titus Mohler Sports Editor

Emily Hollingsworth

Noel Oliver

Staff Writer

114 North Street, Farmville, VA 23901 • 434-392-4151 •

Regina Caraway

Wanda Fix

Receivables/Circulation

Community News/Obits

www.FarmvilleHerald.com

The Farmville Herald The Charlotte Gazette

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f you’ve ever experienced a power loss while working on an important project on your computer, you’re familiar with the anger and outrage associated with the outage. Beyond work, power outages obviously disrupt almost every element of your home. If your home or business is hit by frequent power outages, you might want to consider getting a generator. 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. In areas prone to storms, hurricanes and tornadoes, generators can be a smart investment.

AUTOMATIC STANDBY GENERATORS Automatic standby generators are on

HOW TO GUIDE 2019

Choose a generator

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 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 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. Once power is restored, automatic standby units turn themselves off.

There is no need to worry about shutting it off yourself.

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. 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. Don’t be caught wishing you had bought a generator the next time there’s a power outage.

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HOW TO GUIDE 2019

odern surgical procedures are generally safe and performed with a regularity that brings little worry to those who are being operated on. But that doesn’t mean you should not scrutinize the surgeon performing a procedure.

REFERRALS Your primary care doctor can refer you to general surgeons they recommend in your area. This is an important first step because not only does it give you a recommendation from a trained medical expert — something that should carry more weight than other factors — but it also gives you a chance to learn more about what to expect and ask questions about your potential surgeon and surgery. It’s a good idea to ask your doctor not only which surgeons they recommend,

Choose a general surgeon

but why. You also can learn more about what to expect down the road. For example, a surgeon may perform diagnostic tests and determine the course of action for your treatment — something that may or may not require surgery, depending on your health needs.

BACKGROUND There may be no career field where education, ongoing training and experience matter more than in surgery. Ask about the surgeon’s experience as it relates to your potential procedure. Is it something they perform regularly? Do they have any specialized training, technology or experience level that sets them apart from other surgeons? In most areas, information about medical qualifications is available online through the state medical board or a

board of specialization. Try to learn as much about your surgeon’s background as possible through these websites, including whether they have disciplinary action in their history.

process. They’ll listen closely to your needs and questions, then address them in a way that’s easy for you to understand.

COMMUNICATION

Finally, there are two factors that could play a role in your decision. What hospital is the surgeon affiliated with, and how well does your insurance cover them? It’s important to know your insurance details, too. If both the hospital and surgeon are considered “in network” by your insurance plan, you typically pay lower out-ofpocket costs. If you can find a surgeon who is highly experienced and qualified in your procedure, has good communication skills, is covered by your insurance and recommended by your doctor, you’ll be more likely to have a great experience.

While all certified general surgeons will have met the same stringent education and experience requirements before going into medical practice, some surgeons have different styles of communicating that can make a big difference. You should feel comfortable talking with the surgeon and getting answers to your questions. Likewise, the surgeon should make you feel comfortable enough to let them know your concerns and openly share medical information that might be important. The best surgeons will consider your preferences for treatment as part of their

HOSPITAL AND INSURANCE

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or most Americans, buying a home represent the single biggest investment of their lives. But unlike so many big expenditures, a home increases in value over time. Home ownership has long been a marker of wealth accumulation and economic achievement for the aspiring middle class, and for good reason. Owning a home also satisfies a deep emotional need for many people. Buying a home — especially a first home — fulfills a lifelong dream for many. It’s no secret, though, that buying a home can be a challenging, stressful and even frustrating experience. It’s a big purchase, and there’s a lot on the line for both buyer and seller. When it comes to weighing all the factors that go into choosing a home, there are many: location, design, amenities, school districts, value, future uses, local

HOW TO GUIDE 2019

Choose a home

laws and your family’s growth, to name only a few. With so much at stake in choosing a home to call your own, picking the right fit for your dreams, and your budget, will go a long way in making sure your future home turns out to be the best choice; one that can adapt even to your sometimes unforeseen and ever-changing needs.

LOCATION It may sound trite, but it’s absolutely true: when a real estate agent tells you that location is everything, they aren’t just repeating a sales pitch. Location is immensely important. When you buy a home, you are also investing in a community. You should feel comfortable in your new community. Finding the right community and neighborhood will be 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. Think about what you value. If you have children, perhaps you want to live within a specific school district. Maybe you are looking for a shorter commute to work. Understand that a more expensive location near your job may equal the expense of commuting from a longer distance. To 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. It is also a better environment.

AMENITIES Your home should be your refuge. Sur-

rounding 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. Always 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.

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HOW TO GUIDE 2019

s we age into our senior years, Americans face an array of issues that can more easily be navigated with the help of profession planners or legal assistance. Among these concerns are wealth management, estate planning, nursing care and an assortment of probate issues. Because seniors are often more vulnerable to scam artists and other predators, competent legal counsel can head off these problems. Proper planning puts the power in the hands of seniors.

MEDICARE BENEFITS Created in the mid-1960s, Medicare remains one of several federal programs that exist to benefit seniors. It ensures that Americans over the age of 65 will have health coverage. People who are younger than 65 may

Put in place legal safeguards

also receive benefits under certain conditions. Hospitalization, prescription drugs, visits to the doctor and home nursing assistance expenses are covered by this program. If you want to learn more about Medicare benefits, consult an elder law attorney. Qualified lawyers with experience in this area can provide information about program eligibility. They can also tell seniors how to maximize their benefits.

DISABILITY LEGAL ASSISTANCE Lawyers who specialize in disability issues inform clients about healthcare resources, financial assistance and even educational benefits. Consulting with these professionals ensures that anyone suffering from a disability has access to available resources to help them fulfill their potential.

AID FOR VETERANS Eligible veterans have many benefits available for their use. Seniors who may be entitled to receive these benefits should always consult with an attorney to make sure they receive everything they are due. Attorneys specializing in veteransâ&#x20AC;&#x2122; affairs have a firm understanding of the different benefits and the procedures for claiming them. Spouses of veterans may also be eligible for certain benefits. An experienced lawyer can help them navigate the system.

ASSET MANAGEMENT AND PROTECTION Wealth management strategy is one of the most critical aspects of estate planning. No senior should ignore it. Having a deliberate, tactical strategy is a strategic way to safeguard wealth for future generations.

Failing to draft a thorough estate plan can be expensive. It can be devastating to decedents who may not have the financial resources to work through legalities. Estate planning lawyers will craft documents that detail their clientâ&#x20AC;&#x2122;s true intent regarding asset distribution. Wills and trusts are two common ways of smoothly transitioning assets from one family member to another. Attorneys can also craft strategies to minimize the estate tax liabilities that heirs may face. Skilled estate planning lawyers will offer creative solutions for protecting assets from the negative effects of the probate process. Getting proper and professional elder care and legal advice not only protects you and your loved ones, it also provides peace of mind.

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hat was once simply regarded as age-related forgetfulness and memory loss has now been diagnosed as a specific and growing medical condition. As the Baby Boomer generation ages, cases of Alzheimer’s and dementia are skyrocketing throughout the U.S. Millions of Americans are affected by these terrifying memoryrobbing ailments every year. But the rise in prevalence of these diseases has also spurred an increase in alternative and traditional treatment options. If you or a loved one are suffering from Alzheimer’s or dementia, a memory care center is one such option that could prove a major help. Here’s what you need to know when picking a memory care facility.

HOW TO GUIDE 2019

Choose a memory care center STAFF

The experience and attitude of the staff members is one of the most important considerations. They should treat all patients with kindness and respect. The center should also provide continuing education to employees to assure that everyone is up to date with the latest in memory loss research and care. Always visit a memory care center before admitting a loved one. Tour the facilities to make sure the building is clean and organized. The atmosphere should be calm and relaxing. Consistency and stability are important to those suffering from memory loss. The center should have a low turnover rate among staff members. No memory care center should rely heavily on part-time workers. Ask about the ratio of staff to resi-

dents, as well as the backgrounds of any medical practitioners employed by the center. Your loved one needs personalized care and attention. It is vital that the center has enough workers on staff to provide quality care for your loved one.

forget where they are, it is important to ask how the center protects its residents. What kind of security features do they use? Note your general impressions of each center you visit.

SECURE, COMFORTABLE SETTING

Quality memory care centers have support services for residents and families. Symptoms from dementia can range from mild to extreme. The center should be equipped to handle all stages of dementia. The best centers have support groups for residents and family members. You and your loved one should be comfortable with the memory care center you choose. The best facilities can give patients a much needed boost and improve their overall quality of life.

Quality memory care centers will resemble comfortable, inviting homes. They should not look like hospitals. The facility should be clean and sanitary without appearing sterile. A center’s cleanliness is an indication of the dedication and price of everyone who works there. Ask questions about the activities offered to residents, how visits are handled and the types of therapies available. Because patients can sometimes

SUPPORT

HOW TO GUIDE 2019

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Choose the right bank

anking, like almost everything in the internet age, has changed drastically. Most of us hardly carry much cash or write checks anymore with the rise of online banking. But that doesn’t mean all banks are the same. Accessing your money almost anywhere at any time is a great convenience, but choosing the right bank to serve your needs still requires close scrutiny. Which sort of bank you choose — a “name” institution, credit union or the new-money, internet bank — reflects your financial needs and how you wish to deposit and manage your hardearned pay. Here are a few things to consider.

INTEREST RATES Banks want to be competitive. It’s not uncommon for savings account interest rates to vary widely, but the majority of institutions make adjustments according to changes in the federal funds rate. If you think interest rates are inconsequential, you’re wrong. When substantial deposit amounts are involved, the difference a few percentage points on an interest rate makes can be significant.

FEES Banks are also notorious for charging fees for certain transactions. A checking account may only allow a certain number of checks to be written each month before a fee is assessed, or maybe a minimum balance is required to keep the account active. Some banks offer free checking. But you should make sure that the free checking is really free. There may be stipulations such as being required to keep a minimum balance in the account at all times.

CONVENIENCE Banks with multiple locations in convenient areas are important. If you travel frequently, make sure your local or regional financial institution is a member of a national network. Also, ask about their online banking policies. Is the bank’s website easy to navigate and secure?

OVERDRAFT SAFEGUARDS We all make mistakes. Accidental overdrafts happen occasionally. Each financial institution has a different policy about these matters. Many banks offer overdraft coverage in the form of a high-interest credit line. Other banks charge fees each time an overdraft occurs. Other banks provide no coverage.

STABILITY Before you hand money to an institution, check its history and financial condition. Banks usually invest deposited funds under a fractional reserve banking system. Any bank with a strong balance sheet should be able to weather any turbulence caused by market corrections. Most banks are also insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. This can vary depending on the type and number of accounts held by a customer.

SERVICES Most banks offer a variety of services. Whether you need to get a loan or open a checking account, choose a bank that fulfills your needs with the fewest fees. It should offer the maximum conveniences possible. Careful and vigilant shoppers will have positive experiences by making an effort to choose a trustworthy commercial bank.

Choose a retirement community . . . o t How HOW TO GUIDE 2019

etirement communities have come a long way since the days of a quiet home on the golf course or beach. Today’s seniors are more active than ever and want to continue to enjoy their passions years into their retirement. Modern retirement communities have become lifestyle communities, not solely about golf and tennis. Celebrities such as Jimmy Buffett — himself a senior citizen — have created “branded” retirement communities that celebrate the fabled “Margaritaville” lifestyle. If you’re considering a move to a retirement community — or in search of that lost shaker of salt — here are a few things to consider.

COMMUNITY ACTIVITIES AND PARKING Many seniors enjoy golf, tennis, swimming and walking. Any prospective

retirement community should have easy access to such activities. Other seniors enjoy arts and crafts, board games, dancing and organized activities. Taking part in social events can provide opportunities to make new friends. Also, find out if the community has ample opportunities for residents to travel to theaters, museums or shopping malls together. Most people enjoy having family and friends visit, so parking is a necessity. When parking is tight, visitors will be less likely to come.

MEDICAL CARE FACILITIES Retirement communities should be easily accessible to emergency personnel. Know the location of the closest hospitals, doctors, ambulance services and other personnel. You may wish to restrict

your search to communities located near your preferred physician or other service providers. Any prospective community should have a formal emergency plan in place.

PET POLICIES Some facilities will allow you to bring your pet to live with you while others will not. So if you have a pet you don’t want to leave behind, you may be able to bring it with you. Many communities now recognize the health benefits of having pets. Additionally, a park or nearby dog walking area will benefit you and your animal companion, particularly if your pet requires daily exercise.

CHURCHES, LIBRARIES AND SCHOOLS Consider how close the community is to schools, sports facilities, and other sites that produce a large amount of

traffic volumes and noise levels. Many people prefer to live in less congested, quiet areas during their later years. Also, think about where the nearest libraries and churches are located, as well as public transportation. Ask whether the community provides its own transportation for residents. It is extremely helpful for seniors who no longer drive and need to do some routine personal shopping.

COMMUNITY Current residents will give you a feel for their level of satisfaction with the community. Talk to them about their experiences and seek candid reviews of the amenities and staff. After all, it is important you feel confident that you have selected a retirement community that fits your personal needs and lifestyles.

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HOW TO GUIDE 2019

Choose a storage center

hen you need to move, travel or simply find more space in your house, self-storage can be a good deal. And if you’re looking into self-storage, chances are you’ve noticed there are a great deal of storage facilities looking to attract your business. There are some important aspects to consider before selecting a storage facility.

office with professional management that are onsite daily to ensure any issues that may arise are promptly handled. 2. Security access through keypads, cameras with DVR recording and monitors, well lit hallways, up to date unit locking systems will safeguard your belongings. 3. Emergency contact information should be readily available.

SECURITY

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 furniture or a vehicle, you will probably need a unit that measures at least 300-square feet. Also, if you are storing sensitive items, such as musical instruments, look for a unit that has climate control. You can

Security is another important consideration. Your belongings should be safe for the duration of the rental. Visit the facility in person to verify its security protocol. If you can’t see the center in person, talk to a knowledgeable representative on the phone. The best facilities have three security layers. 1. The storage facility should have an

UNIT SIZES AND CLIMATE CONTROL

request to have an air conditioned or humidity-regulated unit.

LOCATION Your ideal facility should be close to your home or office for ease of access. If you need to add or take something out of storage, you will be glad that you picked a convenient location. Avoid using companies in risky neighborhoods.

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.

PRICE Price should not be your only consideration. After all, if you choose an inexpensive facility, they may be cutting back on important aspects. Maybe they don’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. Of course, within a storage facility, a smaller unit will be cheaper to rent than a larger one. But if the overall prices are lower than average, be very cautious. 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.

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quality hardware store is your first step in beginning a home-improvement project. Well-stocked hardware stores with a knowledgable staff can make the task ahead that much easier by having all your supplies and any advice or recommendations you many need. Reliable customer service is one of the factors that will help you choose between a local hardware store and a big-box retailer. Consider smaller projects you have successfully completed. Ask the staff at each store for their input on the best way to complete the task you have in mind. Progress to a more complicated project and ask for advice again. Note which employees provided the most helpful answers. During your visits, look around vari-

HOW TO GUIDE 2019

Choose a hardware store

ous departments. Determine which store has the best high-quality tools you might need in the future. Make a note of additional services, such as equipment rentals, classes and referrals to area professionals. After all, if you canâ&#x20AC;&#x2122;t handle a complex project, they might be able to point you in the direction of someone who can. Pricing is another aspect to consider. A store with the lowest prices isnâ&#x20AC;&#x2122;t necessarily the best. They might be cutting corners. On the other hand, if you know a lot about lumber and are interested in purchasing fencing for your backyard, the cheapest store might be best. The most expensive store in town might be best if you are purchasing lumber to make a piece of furniture. Always consider quality as well as price.

If you are still undecided, then let customer service be your guide. For hardware and home improvement stores, customer service will help you when you most need it. Good customer service starts as soon as you enter the establishment. If you are warmly welcomed, this is a step in the right direction. High employee turnover is not a good sign. It is best to establish a working relationship with people in your hardware store. It is difficult to do that if you are greeted by a different person every time you enter. Understaffing is another problem in hardware stores. If it is difficult to locate someone, or salespeople are always surrounded by customers, you will not receive a high level of service. You might consider looking elsewhere. Other signs of poor customer

service include long checkout lines, out-of-stock products or a clutter and dingy store. If you feel treated like a criminal because you had to return something, then find another store that treats you better. Convenience will also have an impact. Hours of operation, driving distance, and parking will figure into your decision. If it takes a lot of effort to make a purchase, you should find another store. The right hardware store will have what you need when you need it. They will stock tools and sell them at a reasonable price. A knowledgeable and friendly staff will have answers if you need them. When you find that store, you can complete your projects with confidence and feel less stressed when it comes time to take on projects.

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HOW TO GUIDE 2019

t almost never fails that your heating and air conditioning systems systems break down during extreme weather. That’s a nightmare most of us have experienced, so it’s essential you have a professional, reliable HVAC company on standby to remedy any issues. The best HVAC contractors are helpful and reliable, but a poor contractor can cost you extra money and heartache. Good word of mouth will go a long way toward helping you find the best professionals in your area. Create a list of candidates and call the Better Business Bureau, your state’s board of contractors or the builders’ association to check on their reputations. Your town’s building inspection office may also have information for you. Avoid companies who

Choose a HVAC company

have many complaints on their record. Upon narrowing the list, call the remaining ones and ask about pricing, guarantees and warranties. Also inquire about how long it would take to complete a job and the manufacturers’ brands they use. If you are purchasing new equipment, find out if you need a separate service contractor or if routine maintenance and repairs are included in the price of installation. Does the company provide around-the-clock emergency service? High quality HVAC companies are fully licensed, bonded and insured. If a worker is injured or causes damage to your property, that insurance should cover it. Otherwise, you could be liable for the damages. Your insurance premiums would likely increase as a result.

Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include the American Society of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, and the American Society of Heating, Refrigeration and Air-Conditioning Engineers. Membership in one of these organizations is not automatic. Applicants are required to have certain certifications, meet professional standards and meet or exceed other requirements before they are admitted. Before any work begins, verify that all the required building permits are in place. Most companies will file permits on your behalf at the local building codes office. But don’t assume that it has happened. Check with the permitting office first. Work done without

A JOHNSON CONTROLS COMPANY

proper permits could result in a fine and time delay. Have a load calculation done before installing a new system in any building. The best companies perform a thorough calculation rather than estimate. Buildings change over time due to foundations cracking or settling. It will affect the efficiency of any equipment. The HVAC company shouldn’t use the old unit to determine the proper size of a new one. If your old unit was inadequate, you will want to install a unit that is a different size. Speak with your HVAC installer to determine the right size and model for you. Ask your HVAC contractor to perform annual checkups to verify that the unit is running at peak efficiency. With these tips, you can choose a reliable HVAC business that will help you for years to come.

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f you enjoy pools or spas regularly, you know membership fees can add up and with frequent visits you might begin to ask this question: Why not add a professional spa or pool to your home? Why not? You can enjoy the relaxing benefits of water therapy any time you please — by yourself or with your family or guests — without sharing with strangers and the inconvenience of leaving your home. If you’re worried about the price, you probably shouldn’t be. Home spas have become quite affordable in recent years. As a result, they are also very popular. Installation of a home spa can also be a cinch, with a growing number of plug and play models and even portable ones that you can take with you on vacation. The home-spa industry has worked

HOW TO GUIDE 2019

Choose a pool or spa

hard to incorporate innovations, such as ozonators and aromatherapy fragrances. Spas often found in high-end hotels and resorts are now available for the average consumer. You may be able to purchase some of these models at your favorite big-box or home-improvement center. You can also purchase a home spa with a media center, along with therapeutic and LED lighting. Watch your favorite DVD or TV program while relaxing in the tub. The best spas include hydrotherapy, which will help you heal and repair your body. Tubs with water jets will massage muscles, improve circulation, relax nerves and ease pain. The water suspends your tired muscles in weightlessness, allowing them to rest. People with chronic back problems often report

relief. Custom spas are also available. You can have it built to meet your specifications. Everyone has a different reason for installing a home spa, and manufacturers are happy to accommodate your requests. At-home swimming pools are another favorite for health-conscious people. These pools are not like your typical in-ground blue bathtub. Natural stone, manmade waterfalls and landscape detailing will make your pool into a private oasis. Before purchasing your pool, decide whether you would like an in-ground or above-ground pool. Above-ground pools are less expensive, but many people prefer the durability and overall look of an in-ground pool. Take time to think about your decision. After all, your pool is a major investment. It will

be a part of your home for many years. Consider the landscaping around your pool. There are many possible finishes for the decking alone. You can also choose the materials, style and features. Sometimes the environment around a pool can seem as relaxing as stepping foot in the water. It’s a fact that most people build their dream pool over a number of years as it fits their budget. You don’t have to do everything at once. Just start with a high-quality installation and a vision of what you want the area to become. You can add more features later. With so many advances in home spas and swimming pools, combined with their affordability, it makes sense to install one on your property. After all, wouldn’t it be nice to have your own private resort without the hassle of leaving home?

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HOW TO GUIDE 2019

ewelry professionals are skilled artisans who create beautiful pieces with their own hands. They repair, clean and adjust items with ease. So whether you’re seeking to purchase new jewelry — a wedding band, a watch, earrings or an accent piece — or repair of clean an existing pieces, you want to work with a good jeweler. How do you pick the best jeweler in your area? Finding someone with excellent skills is the first thing to consider. Quality jewelers offer reasonable pricing and fantastic customer service. Do not make the mistake of basing your decision on cost alone. They may also offer other products from off-site manufacturers. In general, they are an excellent resource. Jewelers and watch repair technicians have undergone extensive train-

Choose a jeweler

ing and should have certifications to prove it. They also attend periodic classes to keep current on regulations within the industry. Many jewelers travel to professional shows featuring the latest trends. They maintain their knowledge and understanding of the precious metal and gemstone markets. Technical expertise isn’t the only aspect to consider. Customers who receive superior service are likely to return for future purchases. You’ll want to work with someone who sees more than dollar signs behind each customer. Guarantees are essential. It is a fundamental factor in establishing a longterm relationship with the public and a track record of satisfied customers. Top professionals offer free repair and unlimited service for the life of the jewelry.

People often regard their jewelry as a kind of financial or sentimental investment for family members. A professional understands the emotional bonds symbolized by a piece of jewelry, and treats it accordingly. Many jewelers are sensitive to the needs of each customer. A discount store may offer an unbelievable price on a piece of jewelry. If it seems too good to be true, it probably is. Inexpensive prices are often an indicator of lower quality gemstones and metal components with lower purity. When the item breaks, it might be impossible to take it back for a repair or replacement because the seller has moved on. Some dealers focus solely on profit. Doing business with a jeweler you know and trust will make a big difference when it is time to make a significant investment in a ring, necklace or

watch. He or she will make every effort to get you the best possible price without sacrificing quality. If you have been doing business with the same shop for a long time, you should expect a high level of service. The item should be guaranteed every time. Anyone can sell jewelry. Malls across America are filled with jewelry stores. But a dedicated professional jeweler doesn’t just sell precious metals or gemstones. He or she brings a keen eye for the beautiful and stunning quality of each piece. It is true that price is important, but it shouldn’t be your top consideration. You will get better value for your money when you do business with a jeweler you can trust -- now and 20 years from today. High-quality workmanship starts with the jewelry and ends with your satisfaction.

Choose a short-term rehab center . . . o t How HOW TO GUIDE 2019

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.

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HOW TO GUIDE 2019

hether it’s a broken or failing appliance or the appeal of a newer appliance — it’s features, design and convenience — purchasing large appliances is one of the larger investments you’ll confront. These days appliance manufacturers produce items that have every conceivable feature to make your life easier. Exploring these innovations in home appliance technology can be an enjoyable and eye-opening experience. We’ve put together some tips that can help you narrow your search and find exactly what you need. But first you’ll have to determine your budget and requirements — what you need, what you want and what you’re willing to pay for it. Now, it’s time to go shopping.

Choose an appliance store SHOPPING ONLINE

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 of the area or order it. 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. Consumer Reports (www.consumerreports.org) and the Better Business Bureau (www.BBB.org) are also great resources for finding reputable businesses. To qualify for listing on the Better Business Bureau site, the business must be reliable and honest.

Many stores also have review sections for customers to leave comments, reviews and ratings for the services and the products they sell, which can give you some insight into the business and their products.

ADVERTISEMENTS Check your local newspaper and your mailbox for circulars announcing the latest, greatest deals on appliances in your area. 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.

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.

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hoosing a funeral home is never an easy process. During times of loss, the emotional pain and grief can be crippling and making arrangements for a funeral can complicate and already difficult period. 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 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. 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

HOW TO GUIDE 2019

Choose a funeral home

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.

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. They may be able to share valuable information about the staff, facility and prices of a specific funeral home.

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.

A caring and professional funeral director and staff will take the time to explain all your options in an empathetic way so you can make a better choice when choosing a funeral home. 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. If you want your loved one to receive the proper funeral he or she deserves, following the above listed tips should help you make the right choice.

‘Choose a funeral home that will cater to your specific needs.’

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.

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HOW TO GUIDE 2019

rimming overgrown trees or taking out trees that are dead or diseased can be hazardous work. Unless you’re very skilled with a chainsaw and have equally experienced help, tree work should be left to the professionals. The right tree services company can do it safely and effectively. You’ll save time and avoid property damage by enlisting the help of a professional tree service. Follow these tips to find a qualified, professional tree service in your area: Ask friends, family and neighbors. You may know someone who has used a tree service in the past. They can tell you who does the best work. Also, check newspaper, phone and Internet listings. Contact at least three tree services. Inform them of the situation and request a site inspection. It gives you the op-

Choose a tree service

portunity to ask about issues and get a feel for the experience and expertise of each company. Take notes so you can compare your results afterward. Find out how long each company has been in business, their experiences, references and whether they are licensed and insured. Check with the Better Business Bureau for outstanding complaints. Even reliable companies may have a few problems. It is how they resolve the issue that counts. Request estimates. These figures can vary widely. Some companies are better equipped for certain jobs, so they can offer more competitive pricing. Other companies are slow or may be trying to “fill-in” appointment slots with smaller

jobs just to keep their crews busy. Don’t choose a company strictly by cost. Tree work is dangerous. Proper equipment, well-trained employees and insurance create high operating costs. It is worth paying more for peace of mind and excellent service. Look at a copy of their insurance policy. Coverage should include personal liability, property damage coverage, workers’ compensation and damaged vehicles or home coverage. Inspect their previous work by looking at their portfolio. Each tree service company has a work style. Verify that it suits your needs. Photos of past work might also be on their website. Get a detailed written estimate of any work to be performed before signing a

‘It is worth paying more for peace of mind and excellent service.’

contract. Responsible companies will provide detailed descriptions, along with the time and cost for your records. This estimate should also offer information about cleanup expectations. Are logs to be cut up or left for firewood? Will the company haul everything away or leave it for you to manage? Will leaves and twigs be raked up or run through a chipper? If they are removing an entire tree, what will happen to the stump? Verify the workers wear property safety gear. They should be wearing helmets at all times. In addition, they should use face shields or protective glasses and steel-toe boots. The person who climbs the tree should have arborist climbing ropes, specialized safety and climbing gear, the proper saddle, helmet and safety glasses. If you find they aren’t wearing safety gear, contact the company to discuss the matter.

Choose a pre-owned car dealer . . . o t How HOW TO GUIDE 2019

uying a used car can meet many needs. It saves money and with some effort you’ll be able to find the right car to match both your budget and your desires in a vehicle. Unfortunately, used car dealers get a bad rap as sleazy businesspeople looking to take advantage of unsuspecting customers. Sometimes the negative reputation is deserved. Countless Americans have left a used car lot only to learn that they just took on unfair financing for an unreliable car. On the other hand, reputable used car dealers are a godsend for millions of other Americans. They provide reliable, used autos at an affordable price. If you’re in the market for a used car, you only need to know what you want to buy and how to spot a dishonest dealer. Here are a few tips.

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 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.

SEARCH GUIDES Figuring out your budget is essential. How much do you want to spend? Search the Kelly Blue Book (http://kbb. com) or the NADA Guides (http://nada. com/) for what you might spend on the type of car you prefer. Also, search the Internet and car websites to get a firm idea of asking prices for your type of car.

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 decision-making process. Comparing as many people as pos-

sible will help you avoid making a hasty, uninformed decision.

VISIT 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 the best customer reviews. Finding the right used car dealer is almost as important as buying the best used vehicle.

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HOW TO GUIDE 2019

ifficulty hearing can have a huge impact on our lives, from struggling to understand conversations to enjoying our favorite forms of entertainment. 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, itâ&#x20AC;&#x2122;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

Choose a quality hearing aid

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, fullshell, behind-the-ear and open-fit hearing aids. Because these hearing aids come in a range of sizes and prices, consult with a specialist to help you choose the right style to fit your needs.

INTERNAL ELECTRONICS The design of a hearing aid will make 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. This technology 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.

OPTIONS When you are searching for a hearing aid, look for special features that will enhance your hearing and your life. Some examples include: Bluetooth connections: You could connect wirelessly to Bluetooth electronic devices, such as smart phones. It allows you to hear phone conversations directly through your hearing aid.

Telephone adaptors: This feature senses when you are talking on the phone and adjusts the setting to make it more clear during your conversation. Directional microphone: You can adjust your device to pick up sound that is directly in front of you. For example, when you are having one-on-one conversations with a person, it is useful to turn the microphone to improve your hearing. You may also change the setting to a more general setting that would be useful at public performances or concerts. Remote control: Some devices 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. Donâ&#x20AC;&#x2122;t let your hearing loss cause you to miss any more of them.

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

Your hearing is vital to living your life to the fullest. Spring into a world of better hearing. Call to schedule your free hearing consultation today! Contact Us: The Shoppes at College Park 1417 A S Main Street, Suite 16A Farmville, VA 23901

1-877-240-3767 (TOLL FREE)

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hances are you think of your pet as a member of the family. Some even think of their pets as “children.” Either way, you’ll want to ensure your pet is in the best of health and lives a long, vibrant life. So you’ll want to choose a veterinarian carefully, just as you would your own doctor. Taking your pet to the vet regularly can save its life. For one thing, you can catch an illness in its early stages. And catching a disease early could save you hundreds or thousands of dollars. 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 in good shape? Unfortunately, pets age faster than human beings. Their bodies and internal

HOW TO GUIDE 2019

Choose a veterinarian

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. Choosing a good veterinarian that suits you and your pet can seem like a difficult task. If you follow these guidelines, you should be able 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? Some people need extra services, such as daycare, boarding facilities and pet training. You may also need to have your pet groomed. Find out if the prospective veterinary clinic provides these services.

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 well-maintained 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 years to come.

Choose an independent school . . . o t How

HOW TO GUIDE 2019

hoosing private over public school is a decision many parents confront when selecting the type of education their children should experience. Some choose private schools out of personal experience and pride; others, troubled with the state of public education, opt for private schools to provide a more personalized or values-based upbringing. If you’re considering doing the same, follow these steps to make sure you pick the best institution for your children. First, evaluate your child’s educational goals and needs. Does he have natural gifts you are seeking to nurture? Are there physical or learning disabilities or behavioral issues that should be addressed? Has your child voiced an interest in science, math, sports or music? Referrals from your child’s current school, teachers, guidance counselors,

family and friends can be a good place to start in creating a list of potential private schools. You should also consider what you believe an ideal school should offer. Make a list of these features. Will your child attend a local day school or boarding school? Are there travel or budgetary restrictions? Are extracurricular activities, such as sports, band, art or debate club important? Conduct some research on the internet for schools that have these features. Most sites will have plenty of information as well as policy summaries. Look at photo galleries and videos. Some sites may even give virtual tours of the facilities. Think about your child’s daily commute to school. Are there suitable transportation options? After looking at these considerations, you can now make a “short list” of

schools. It will consist of institutions that fit your criteria. Ask your child for his or her opinion about these schools. Talk it over to decide which ones are best. When the list is complete, it is time to narrow it down even further. Determine entrance requirements and ensure your child meets them before contacting a particular school. Make a list of general questions along with a subset of specific questions for each school. Then start contacting the institutions. If their answers are satisfactory, make an appointment to visit them. While there, inquire about the enrollment paperwork and any testing your child will have to complete. Check out the atmosphere of the school. Is it relaxed or competitive? Is there structure and discipline, or is it more free-flowing? Most importantly, will your child feel comfortable there?

Be aware of how you are treated by the staff members. They will be dealing with your child throughout the day. Are they friendly, helpful and respectful? Try to meet as many of the staff and teachers as you can. Imagine your family engaging in school activities. Is it easy to picture your child spending time there? If your child accompanies you to these appointments, ask him or her about the school. Children often have special insights and reactions to environments. Now that you have seen the school, asked questions and met the staff, you can also develop a better understanding of the financial cost of each school. Ask about financial aid, if needed. With diligence and forethought, you should be able to apply to the school of your choice and have your child happily accepted.

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urchasing or selling a home and property is, in the best case, a complicated process. It takes a professional with experience in navigating the myriad contracts and making a deal that benefits you. So you’ll want to do your research and find a real estate agency that can best represent your interests. These days, it seems like every town has more than its share of real estate businesses. But choose wisely, all are not equal. You should ask around and check with your local business bureau for suggestions about good agencies in your area. Once you have a list of possibilities, do some research. Find out how long the agency has been in business. Ideally, you want people who know your community. If the real estate agency is merely a side business, it might not give you the

HOW TO GUIDE 2019

Choose a real estate company

best results. Buying and selling homes is a full time job. Look on the internet and read customer service reviews. They should also have an impact on your overall impression of an agency. Once you have narrowed your list, contact some businesses and ask them questions. You should know about their listings, fees and commissions. Choose an agency that has connections with the community, a sharp understanding of neighborhoods that interest you, and solid contacts with other realty companies. This assumes major importance when you’re selling your current house, because the agency usually handles the sale while the realtor helps you find your new one. The marketing strategy and advertising is what makes each agency unique.

It will greatly influence the sale of your home. Although most companies might look the same, real estate agencies have a preference for the kind of properties they show or sell. These concentrations might include commercial properties or high-end homes. Try to find a business with a focus that concentrates on selling homes similar to yours. Look at an agency’s listings to see if your home would fit in nicely with their existing clients. If you were purchasing a home, would you find their listings easy to read and informative? The size of the agency will have an impact on your experience. Small agencies can provide more personalized service, but they may not have the networking advantages of a large company. Big agencies have more opportunities to network and sell your home, but they may have

to divide their time among many clients. Be prepared to ask an agency the following questions if you are selling your home: — How will you advertise my home? Will you use the internet and newspapers? — How many pictures of my house will appear online? — On which sites will my home be featured? — Do you have other homes that have recently been sold in this price range? — How long has the agency been selling homes in my neighborhood? — What makes your agency unique? The two biggest financial decisions you will make in your lifetime are buying and selling a home. Protect your investment and peace of mind by choosing the best and most trustworthy real estate agency you can find.

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HOW TO GUIDE 2019

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!

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he location for your big event is an important choice. The right venue will meet all your needs, based on the requirements you set forth — budget, space, service and amenities. Location is an oft overlooked key to hosting a perfect event. After all, packing too many people into your home for an event you failed to plan properly can be a real bummer for everyone. Here are some things to think about if you’re considering finding an event venue.

LESS STRESS Event planning is stressful. You will need a venue that lowers your anxiety level before and during the event. This is especially true of weddings. Whether you or a friend is getting

HOW TO GUIDE 2019

Choose a venue

married, you will need an experienced venue staff. The employees should treat you and your guests with respect and grace. Venues can be very helpful with event planning. Top-quality venues regularly do business with many vendors. They can give you advice on finding other vendors in your area. They might be able to assist you in the planning phase, which can help you relax as you plan for the big day.

CALL THE SHOTS On the other hand, you should control the entire process. Be sure the details are meeting your expectations. When you feel a venue is pressuring you or even making decisions without your consent, end the relationship. You need people who will work with

you, not people who only consider what is easiest for them. The theme, style and decor of the event should be your choice. Leave the smaller details the venue’s staff and management. Doing so will free you to focus on important aspects of the occasion.

SERVICES Every venue is different when it comes to services. Some places offer hardly any services, while others help you set up and clean up. Placing tables and chairs is time-consuming. Taking down decorations and equipment afterward can put a sour ending on a fabulous day. Read your contract carefully. Unless you are on a very tight budget, look for a full-service venue that will set up and tear down as part of their

pricing package.

TECHNICAL NEEDS Your event might require special technical needs. For example, sound and lighting is vital for a musical event. The venue should have the right electrical and audio connections, as well as places to route and hide cables safely. Weddings can also be a technical challenge. The band or DJ will need to have clear sound and a dance floor. Wedding photographers might have preferences about where backdrops and special lighting will be placed. The best venues can help you have a successful, stress-free event. Finding the right place to experience your special occasion will be memorable for you and your guests.

Manage your online reputation . . . o t How

HOW TO GUIDE 2019

oday’s small business owners face unique challenges that businesspeople of yesteryear never had to confront. While the internet has made it possible for even the smallest businesses to have a global footprint, it’s also forced business owners to devote substantial time to managing their online reputations. A company’s online reputation can have a major impact on its ability to survive and thrive. In its 2018 “Local Consumer Review Survey,” BrightLocal, a company that focuses on the needs of digital marketing agencies and local businesses, found that 91 percent of consumers between the ages of 18 and 34 trust online reviews as much as personal recommendations. In addition, the survey found that 57 percent

of consumers won’t use a business that has a star rating of fewer than four stars. The BrightLocal survey underscores the effort small-business owners must put into managing their companies’ online reputations. Whether business owners feel their online reputations are warranted or not, ignoring them can greatly affect their bottom lines. The following are a handful of simple ways business owners can manage their companies’ online reputations in the hopes of benefiting their businesses and expanding their customer base. • Don’t ignore negative reviews. Small Biz Ahead, a service from the insurance provider The Hartford that aims to help business owners manage and grow their businesses, advises busi-

ness owners to acknowledge negative reviews. Respond privately to customers, apologizing for their unsatisfactory experience and thanking them for their feedback. When communicating with customers, always keep these communications friendly and constructive. Dismissive, confrontational and/ or rude interactions with customers will only further damage your online reputation. • Actively monitor your reputation. Websites such as Yelp and Google, via its Google Reviews capability, give customers plenty of places to go to share their comments about your business. Stay up to date on these, making a concerted effort to monitor your reputation. If you’re open for business seven days a week, chances are customers

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ccording to Forbes magazine, more than 50 percent of the working population works for a small business. The Small Business Association reports there are almost 28 million small businesses in the United States. Many small businesses are home-based and hundreds get started each month. Despite their prevalence, only a handful of small businesses survive more than 10 years. Small-business owners must learn how to properly market their businesses and garner a larger audience to stay afloat. While there’s no set amount a business should devote to advertising and marketing, such expenses should be included in an organization’s operational budget. Small-business owners just getting started may want to consider the following tips as they attempt to market

Market your business

their businesses and expand their customer base. • Create a marketing budget. Marketing your business should be right up there with keeping the lights on. For the best results determine who your ideal customer is then develop a plan to reach them. Typically a multi media mix is best. Local newspapers, television and radio stations often offer small business discounts. • Create an online presence. A survey from online marketing firm Yodle found that only about half of small businesses have websites. Customers routinely go online to learn more about businesses and make purchases. Customers will visit websites to find directions to brick-and-mortar stores, find store hours and/or learn about the products or services offered by a particular firm. Small-business owners should establish

an online presence and ensure the site is routinely updated and modernized. • Sponsor local events. For a relatively small investment, small businesses can get their names out to the public by sponsoring community events. When approached by schools and other organizations, lend your help. Donate a basket of goods or a certificate for services for gift auctions. Work with organizations to donate a portion of sales to a charity or school through a specialized fundraiser. Contact a sports league to see if your company name can be printed on uniforms or used on banners around the field. Not only will this get your name out, but it also will establish a positive image of your company. • Establish yourself as an ‘expert.’ Be accessible to journalists and media outlets who may need quotes or insight

HOW TO GUIDE 2019

when writing articles. Local papers and circulars can get your name out to the community and bring in new customers. Being quoted in print helps establish a reputation as being an authority in your field. • Don’t ignore social media. According to Adroit Digital, 75 percent of Americans who use the internet admit that product information found on social media influences their shopping behavior and enhances brand loyalty. Social media accounts are generally free to set up and require minimal effort to maintain. Social media can help establish and maintain a brand and help you share messages and other content. Small-business owners can enhance their marketing efforts by taking some relatively easy steps to widen their reach and get their names out to the public.

CONTACT:

Jackie Newman 434-808-0614

Jackie.Newman@FarmvilleHerald.com

— or —

Debbie Evans 434-808-0613

Debbie.Evans@FarmvilleHerald.com

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HOW TO GUIDE 2019

ccording to the National Institute for Automotive Service Excellence, your chances of needing the services of an auto body shop or collisionrepair expert are often higher than many think. From dents and scrapes to fenderbenders and more intense damage resulting from an accident, repairing your vehicle requires the services of expert professionals from an experienced, reputable auto body shop. Choosing the right body shop depends on many factors, such as the extent of damage, whether the costs are born by yourself or insurance, the experience of the shop with your make and model of vehicle and the shopâ&#x20AC;&#x2122;s history and reputation, among others. Paramount to your search is finding an auto body shop thatâ&#x20AC;&#x2122;s honest, trust-

Choose an auto body shop

worthy and dependable. That choice will ensure that your vehicle is repaired quickly, affordably and correctly. Your friends, family and colleagues might have recommendations. After all, auto body shops are an unfortunate, but necessary, part of life for most people. Have a list of companies, research each shop on the Internet and read customer reviews. Testimonials, negative and positive, should be considered. But keep in mind that no business has a 100 percent satisfaction rate. Someone will always be displeased. Also, more people are likely to leave a negative rather than a positive comment. A good source for finding an auto body shop is your local newspaper. Local businesses advertise and many times you can find special deals to help save you money.

Once you have created a list of shops, contact them on the phone and ask pertinent questions. How long have they been in business? What are their specialties? How soon can you bring your vehicle in for an inspection? Ask to set up an appointment for a free inspection. Then further investigate the business. Look around their lobby. Is it clean? Do they have their license and any awards or certificates posted? Do they care enough about their customers to offer reading material, coffee or water? Consider prices. Are they comparable to other body shops? While you want to find that deal, remember, cheaper is not always better. Understand that you will often get what you pay for when it comes to auto body work. Low prices may be tempting, but they typically mean sub-par work, used parts

and paint that is incorrectly applied. You can also check their previous work. When you see a car with paint drips, panels that are misaligned or paints that donâ&#x20AC;&#x2122;t match, look elsewhere. You will not save money if you need to have the improper work redone. The shop should inspect your vehicle for repairs that are not readily visible. Often, there are hidden damages that cannot be detected until repair work begins on the vehicle. Finding an auto body shop may not be the most pleasant business because it usually means your vehicle has suffered some kind of damage. But finding the right shop will make the experience much more pleasant and you will be happy with the repairs. Especially if you find the right shop that knows how to repair your vehicle so it looks the same as before, or even better.

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inding a reliable, reputable real estate agent is essential when you are considering buying or selling a home. These professionals can guide you through complicated negotiations and contracts to secure you the best deal you can get. Theyâ&#x20AC;&#x2122;ll also be able to inform you of the precise steps you need to take just before buying or selling. Do your homework and pick an agent you can have faith will get the job done right.

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 meetings, get NAR newsletters, and access software and

HOW TO GUIDE 2019

Choose a real estate agent

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. Keep that in mind when searching for the right professional. You might also contact local brokers or search the NAR directory online. Always work with credible, responsible agents. Otherwise you are wasting your time.

COMFORT LEVEL At the initial consultation with a pro-

spective 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? Can they negotiate a contract? 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 con-

ducting 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. Above all, your real estate agent needs to provide updates on progress.

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 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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HOW TO GUIDE 2019

uality tires can literally make or break even the most luxurious vehicle. Tires with new treads, properly inflated and balanced will produce a superior ride. Anything less will make your drive uncomfortable at best and downright dangerous at worst. But choosing a set of quality tires is only the first step. Youâ&#x20AC;&#x2122;ll need to regularly balance and rotate your tires in addition to periodically having them inspected for dangerous wear and tear. Here are a few things to consider next time you put tires on your car.

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

Choose a tire shop

need to buy tires once a year; depending on how much you drive your car.

CHOOSE TYPE OF TIRES When selecting tires, consider the climate you live in. If it is dry and 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 highmileage 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 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.

NEW OR USED Some people donâ&#x20AC;&#x2122;t mind purchasing used tires. Pull-offs are tires that came with a new car, but the new car buyer wanted custom tires. As a result, pulloffs are almost new. Does your tire shop guarantee pull-off tires? If a dealer sells new and pull-off tires, the tire installer may not realize that each tire must

replicate the way it was installed on the previous car. Failure to do so will result in the steel belt breaking through. When tires have had the worn treads replaced, they are called retreads. A factory buffs the old tread and attaches a new one. Inspections ensure the casing is strong enough to hold a new tread. If you are on a budget, pull-offs and retreads are great choices. Anyone who purchases used tires should inspect each tire thoroughly. Bubbles, holes, cuts and metal showing are a sign that you should not purchase the product. It may not be safe.

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.

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or a child, visiting a doctor’s office might seem like a terrifying prospect. Initial visits can make an indelible mark on children for future treatments and the cold, clinical atmosphere of most medical clinics can be an immediate source of fear. Fortunately, pediatricians are trained not only in medical treatment for children but how to make them most comfortable during their visits. Welcoming, child-friendly waiting and exam rooms, along with a caring, easy-going manner work wonders on youngsters. If you’re looking for a pediatrician for your child, here’s how to get started.

HOW TO GUIDE 2019

Choose the best pediatrician

baby. They will have informed recommendations to help you select the best doctor. Don’t just collect one or two names. Ideally, you should have a list of at least three professionals. It will help you compare and make the right selection.

INSURANCE

RECOMMENDATIONS

Next, look at your insurance policy. Find out if any of the people on the list are part of your network plan. Remember that children visit the doctor more frequently than adults because they catch a lot of viruses while building up their immune systems. Doctors not covered by your insurance should be crossed off your list. You might also reconsider your insurance policy.

Family, friends and acquaintances will likely have recommendations about good pediatricians in your area. Parents will be happy to share their experiences at the pediatrician’s office. You can also check with your family doctor or OB/GYN who delivered your

It is time to arrange a meeting with each physician so you can find out who will work best with your child. Look at their office locations. They should be in a convenient location, not far from your home. You will probably

NARROWING THE LIST

visit this doctor quite often, so convenience is a big factor. When you meet with the doctor, focus on his or her philosophy. Some physicians prefer to run lots of tests. Others have a more relaxed and homespun approach. Parents who follow a wellness philosophy might have to look harder to find a doctor who is open-minded about alternative medicine. If you are interested in alternative vaccine schedules, be sure to find out if your doctor is receptive to this idea.

THE VISIT Bring your child along for this meeting. It will help you gauge their interaction. The doctor should make your child feel at ease. They should be patient, tolerant and friendly. You must feel comfortable with this medical professional as well. The doctor should take the time to answer your questions thoughtfully. Inquire about their emergency policy. Does the office accept walk-ins? If your child gets sick in the middle of the night, can you call the pediatrician or nurse? Find

out about office hours and when you need to visit the hospital instead. Is the office decorated with children in mind? Is it a safe, inviting atmosphere? Does the practice use modern equipment? Are exam rooms clean? Many pediatricians now offer separate waiting rooms for children who are not sick. These “well child” waiting areas help stop the spread of viruses. If your child is there for a checkup, it is a bad idea to have him sit next to another child who has the flu. With this strategy, you should have an easier time selecting a pediatrician. Choosing well now will save you time and trouble in the future.

HOW TO GUIDE 2019