Sheboygan How To Guide

sheboyganpress.com | Wednesday, May 18, 2011

how to guide

PAGE 1

how to guide Wednesday, May 18, 2011

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how to guide

Wednesday, May 18, 2011 | sheboyganpress.com

how to guide

table of contents

3

Choose a Real Estate Agency

14

Choose a Water Treatment Company

4

Choose a Seafood Store

15

Buy Windows

5

Choose Carpet

16

Choose a Roofer

6

Choose a Jeweler

7

Choose an Insurance Agent

17

Choose a Mortgage Lender

8

Choose an Audiologist

18

Choose a Builder

9

Choose a Mattress

19

Choose a Certified Financial Planner™

10

Choose an Assisted Living Facility

20

Choose a Funeral Home

11

Recognize Quality Furniture

21

Choose an Attorney

22

Choose an Auctioneer

23

Choose a Health Mobility Company

12

Choose a Hearing Aid

13

Choose a Chiropractor

How-To Guide is published by The Sheboygan Press. Contents of the section are for Sheboygan Press. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of The Sheboygan Press. For information, contact Robin Lisowe at 920-453-5155 or email rlisowe@sheboygan.gannett.com.

General Manager & Executive Editor / Mike Knuth | Advertising Director / Lowell Johnson Advertising Manager / Dave Liebelt | Graphic Artist / Heather Nohr | Distribution / Bruce Tischer

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PAGE 3

Choose a Real Estate Agency

Whether you are selling or buying a home, it is vital to have both the best Realtor and real estate agency on your side. The agent and agency that you choose could make the difference between selling your house for the asking price or settling for the best offer. In other words, the right choice could mean extra dollars in your pocket and a faster sale.

Although you will be spending most of your time with the real estate agent that you choose, the agency that employs them can also make a difference in the sale or purchase of your next home. You want to choose an agency that has plenty of local connections, a keen understanding of the relevant neighborhoods as well as solid contacts within the world of real estate.

This is especially important if you are selling a home. While your real estate agent will play a key role in helping you locate your dream home, it is often their agency that will take care of the sale of the house. What can make the difference between one real estate agency and the next is the methods by which they advertise their listings and how they conduct the sales process. This can greatly influence the sale of your home and ultimately how much you will get for it.

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Although they may all appear the same on the outside, some real estate agencies may differ slightly in the type of real estate they prefer to show or sell. Some might be more familiar with commercial properties while others are great at selling high-end homes.

While you shouldnâ&#x20AC;&#x2122;t rule agencies out because of their size, it is an important factor to consider. While smaller agencies may be able to dedicate more time to the sale of your home, they also may not have the networking advantages of larger agencies.

If you do choose a larger agency, the real estate agents have more of a chance of networking to sell your home. Yet you may not get the personalized attention that you will see from a smaller agency. A smaller agency will likely feature your home more prominently, simply because your listing will not get buried among a large number of listings. Visibility is of course key to a successful process.

There are several questions that you should be prepared to ask the Realtor before committing to give them your listing: â&#x20AC;˘ What methods will be used to sell my home? The Internet? Newspapers? â&#x20AC;˘ How many pictures of my house will appear online? â&#x20AC;˘ On which sites will my home be displayed? â&#x20AC;˘ Can you see examples of other homes that have recently been sold in my price range? â&#x20AC;˘ What makes your agency different from the others?

Make sure to understand the focus you will receive from the Realtor who puts up your listing and assess their capability. These are some questions you should answer for yourself in assessing the Realtor.

Do you trust that the Realtor will help you optimize the presentation of your home through staging and is he/she someone you will rely on in terms of repairs and improvements needed to optimize the sale? It is valuable to be able to rely on the Realtor to help you find the right balance between what you invest up-front and what will result in an increased price.

Does the Realtor understand the unique features of your home that will help the listing stand out and compete with comparable listings?

Is the Realtor analytical in terms of assessing comparable values and does he/she have the transactional capabilities to best assist you in reviewing and negotiating offers?

Will the Realtor commit the time to your listing and have open houses that are professionally conducted?

Is the Realtor responsive with returned calls and will he/she keep you well informed about the progress of your listing?

You want only the best real estate agents and agency on your side to get the best deal for your future home or sale.

PAGE 4

how to guide

Wednesday, May 18, 2011 | sheboyganpress.com

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Choose a Seafood Store

Finding good seafood can be tough. When prepared properly, seafood can make a delicious appetizer or entrĂŠe that anyone in your family will enjoy.

Here is some advice on how to choose the perfect seafood store: First, make sure you choose a seafood store that keeps its customers informed.

A good store will display how old the fish they sell are. If this information is not displayed upfront, ask a sales associate how long the product has been in the store. If they canâ&#x20AC;&#x2122;t give you the answer, you need to shop somewhere else.

You should also check that the fish has no dry or hardened pieces, particularly around the edge of the fish. Choose a seafood store that sells only the freshest, well-preserved seafood.

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Another thing you should check for is the right packaging. Never purchase fish, shrimp or lobster if the packaging has any holes or other damage. Some types of seafood cannot be exposed to air for very long before they become contaminated.

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If the fish is packaged, make sure that the packaging has not been tampered with. A good seafood store will ensure that their products are always packaged properly, and they will not sell any items that are not.

Look for fish and other seafood that is less than a week old. Seafood is best, of course, if it is eaten within one or two days of the Finally, you should choose a seafood store time that it was caught. However, espethat has appropriate cially for locations not prices. Beware of stores along a shoreline, this that sell products at exis often a difficult goal You should also tremely low prices or to achieve. that feature deals that check that the Second, in addition seem too good to be to finding a store that fish has no dry or true. serves fresh seafood, hardened pieces, you will want to make On the other hand, sure the shop stores donâ&#x20AC;&#x2122;t pay more than particularly around its products properly. you should at a fancy Make sure the seastore for a product you the edge of the fish. food is refrigerated could find elsewhere at or kept on ice at all Choose a seafood a lower price. A quality times. store will sell its prodstore that sells only ucts at fair and approMaintaining proper priate prices. the freshest, welltemperature is critical to keeping seaAdditionally, beware preserved seafood. food fresh and tastwhen buying seafood at ing right. If fish are a discount. Discounted not kept cool enough, products may not be as they could become contaminated and fresh as those at the regular price. Check make you or someone in your family sick. the freshness of any discounted shrimp, Some ways to make sure the fish at the fish, or lobster before purchasing. market or store is fresh is to check the Finding the right seafood store can be a color and odor of the fish. If a package is challenge, but it is not impossible. Be sure older than three or four days, you will be to keep freshness, packaging and price in able to tell by its scent. Additionally, the mind when shopping for your fish, shrimp, fish should not have any filmy layers or an lobster or other seafood. unusual, dull appearance.

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However, in order to ensure your cooking is at its best, you must have the best ingredients. You want to enjoy seafood that is fresh, clean, and uncontaminated.

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PAGE 5

Choose Carpet

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One of the best ways to change the way a room looks is to change the floor covering, and for many people that floor covering is new carpet.

The purchasing of carpet can also be a large investment, which makes it important to find the correct place to buy. There are a number of things to keep in mind when looking to buy carpet, so here are some tips that will help you find just the right carpet store for your needs.

smaller retail outlets. These stores often don’t provide the same level of services the smaller retail outlets, either. These stores often don’t often offer carpet cleaning and extra services that you would get in a smaller retail outlet.

In many locations, consumers may go to a big-box home and garden store. These chains stores sometimes offer low prices. They can often carry a wide selection, but there are some limits to that selection as well.

Buying carpet is an important part of beautifying a home, but it is also one of the most expensive parts of home decor. Consumers have many choices for how to purchase that carpet.

The reason these stores can get such low price margins is they buy a limited number of products in high volume. That means the price on the shelf may be lower than in the

Whether it’s from a large warehouse outlet, a big-box chain type store, or a local small business retail outlet, each has unique advantages in making a purchase.

The chains often do offer their own financing There are a number of options for purchasplans. Since buying carpet is a big purchase, ing carpeting. Stores range from small retail sometimes an attractive financing plan can outlets, to large warehouse type stores. With be the difference between buying the carpet the advent of online shopping, consumers a consumer really wants and carpet he or can also make carpet choices via she settles for. the Internet. However most conBig warehouse carsumers still want to see and feel pet stores are found the carpet they may be purchasBuying carpet in many larger citing, which can only be done in a ies. In this setting, store or showroom. is an important the salesperson Small business carpet stores put shows carpet sampart of beautifying their focus on service. They may ples in the show not be able to provide as large room. They can a home, but it of a selection in-store as many also take customother larger businesses. Howevis also one of ers back to a wareer, the smaller stores sometimes house where they the most are part of cooperatives that give can look through a them buying power of the larger larger selection. expensive parts of stores.

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The staff in these warehouse stores usually Additionally, these small businesses freare not as well trained as in the smaller requently offer discounts on services after tailers. They may not be able to answer all the sale. These discounts, on things such as the questions about stain resistant carpet carpet cleaning, are intended to help bring fibers that you would get with a hometown customers back to the stores for future busistore. ness.

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PAGE 6

how to Choose a Jeweler

Wednesday, May 18, 2011 | sheboyganpress.com

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When the time comes to purchase new jewelry, such as an engagement or graduation, the choice of which jeweler to go to is an important one.

In order to get the best deal, the consumer has to weigh many different options, balancing all of oneâ&#x20AC;&#x2122;s options with what is wanted and for what price.

top professionals in the industry will offer free repairs and unlimited service for their work. This means that if it breaks, it can be taken back to the jeweler repairs.

This problem is made more difficult by the large number of jewelers active in the market today. While most jewelers have some merit, making the right choice requires knowing not only oneâ&#x20AC;&#x2122;s own wants and needs, but also how the jewelry business works.

This guarantee can create a personal relationship with the jeweler, which is the best situation for consumers.

The most important quality to look for is skill. Not all professional jewelers are equal in terms of their skill, and some of them will have more ability than others. This makes it very important for the consumer to search for a jeweler who has continuously demonstrated great skill.

The best jewelry professionals are those who can create pieces with their own hands, and they are the ones who can fix just about anything without any problem.

These kinds of jewelers understand every part of the process, and they are capable of performing their work on their own, from start to finish. The consumer who finds a jeweler with these kinds of skills will be pleased with their results.

However, the jewelerâ&#x20AC;&#x2122;s business is not entirely about skill and expertise. Instead, a jewelerâ&#x20AC;&#x2122;s skill is coupled with how much care is offered for to each customer for his or her specific needs and wishes. When an individual makes a purchase, the product should be more than just a ring or a necklace.

In addition to skill and service, the consumer should expect a guarantee. The

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For those who have created a personal, working relationship a jeweler, it is possible to have faith in finished product. However, these relationships cannot be forged without first choosing and working with a jeweler for a long time.

While price is an important factor to consider, choosing a jeweler on the basis of price alone is not always the best idea.

While a jeweler may offer a solid price, they might not deliver in terms of quality or other important factors.

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When choosing a jeweler, the consumer should be assured of getting the best deal possible without any fear of being cheated. Many jewelers can provide this type of price assurance, while also providing a level of quality and service that is worth the investment.

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The good thing is that a large number of reliable jewelers are active in the market, but choosing the right jeweler is a process that should involve a long period of personal research.

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Deciding between all the available options can be a challenge, but by focusing on finding a skilled, experienced, and attentive jeweler, the process is certain to be a success.

By demonstrating these qualities, jewelers become well-known in the industry, so figuring out who they are should not be difficult once you know what to look for.

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Some jewelry purchases are a considerable financial and sentimental investment.

For the buyer, this means that they will want to know that the jeweler is going to create the best possible work.

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While different jewelers possess different skill levels and qualities, there are a few things that jewelers should offer their customers, and without those things a customer is at a disadvantage. Essentially, consumers who are seeking out the right jeweler should find someone who is skilled, attentive and reasonable.

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PAGE 7

Choose an Insurance Agent

Many people struggle to find the best insurance agent. It can be complicated knowing whether a specific agent is looking out for your needs or their own commission.

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Sometimes people do not know the best ways to go about finding an agent. It is important to ensure that you have the correct insurance in order to protect yourself, and you can do this with the help of an insurance agent.

tions that you have answered. Make sure that you feel comfortable with the broker or agentâ&#x20AC;&#x2122;s answers.

Once you decide on some possible agents, it is a good idea to meet with the agents or brokers. Have a list of questions and concerns so that you can get any ques-

You, your family and your finances will benefit from your efforts. You will be better protected with the help of a good insurance agent.

If you feel as if an agent is trying to get you to purchase a policy that is not appropriate, this is not a good sign. Some agents may try Before selecting the the type of insurance to hard to up-sell a policy. Alert your agent that you want, you will need to find an exthat you are looking for more information perienced agent. It is crucial to research and are not ready to agree on a policy right agents and make sure that you are choosaway. If you choose ing one who is reputable. You a good agent, they may want to ask family memwill allow you to bers and friends if they recomtake your time and A good mend their insurance agents. gather all of the If you are recommended an agent will do important research agent, chances are you will be needed to make their work just as pleased as your friends your decision. and family members. A good correctly and Also make sure that agent will do their work correctyour agent is willing ly and professionally in order professionally in to have a relationto continue receiving referrals. ship with you. You If you choose an agent and are order to continue do not only want to pleased, your agent will hope have a policy sold that you recommend their serreceiving vices to others. to you. With a rereferrals. lationship, you will If you do not have an agent be able to contact recommended to you, you can your agent if you still do outside research. You have any questions may consider calling insurance brokers or concerns. This can include receiving help and individual insurance companies. If you with filing a claim. choose to do business with a larger insurance company, their agents will often be Take caution to choose an agent that is repmore consistent from office to office beutable and well-established. If your agent cause of standardized training and prachas been in the business for many years, tices. You should consider that they may chances are they will better understand the not be as creative with their services, howpolicies that they sell and be able to take ever, as an independent agent. extra care to ensure that you are properly Take a lot of care when shopping for the protected. best agent. Treat this research as your It is important to get the correct insurance would purchasing a new car or home. Make in order to protect you and your financial sure that you pick a company that is highly future. The right research needs to be done reviewed. You will also want to consider in order to assure that you are getting the making sure that all licensing is in order for right insurance policy. the agent that your choose.

PAGE 8

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how to

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Choose an Audiologist

Audiology is a field that can provide a wide variety of different services. Audiologists can be employed in several different types of health facilities such as clinics and private practices.

When deciding on an audiologist it is arise. Audiologists can also help you always best to check with your insur- with hearing protection and hearing ance carrier to see what facility is in molds pertaining to music, swimming your network and if you happen to or hunting. have any hearing When making an aid benefits. Some All audiologists appointment make Medicare advansure you feel comtage plans offer an have a masterâ&#x20AC;&#x2122;s fortable talking to additional benefits. degree in the staff. Are they If you happen to be audiology and are knowledgeable covered by Medlicensed by the about the products icaid it is always a they offer? Are the good idea to ask state. Some have appointments they the audiologist if continued with schedule accomthey accept that their education modating to your type of insurance needs? How do coverage. Underand have become they bill for their standing your indoctors of services? Do they surance is most audiology. bill everything toimportant. gether such as the exam and aids All audiologists have a masterâ&#x20AC;&#x2122;s degree in audiology all together or do they break things and are licensed by the state. Some apart and submit everything to your have continued with their education insurance company? and have become doctors of audiology. They can see patients of any If you still have questions about any age, from infants who fail a newborn hearing needs it is always a good idea hearing screening to people who are to visit your primary physician first. in need of an assisted hearing de- Talk to them about your concerns vice. Audiologists can perform hear- and let them give you a referral of an ing tests called audiograms and they audiologist to make an appointment have full knowledge of all types of with. Just remember as with any type hearing aid products. They can fit of health professional a person needs the patient with the hearing aid and to feel comfortable with whomever monitor any future issues that might they choose.

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sheboyganpress.com | Wednesday, May 18, 2011

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The very first place to start is in your bedroom, many ask how do I know if I need a new mattress? The Better Sleep Council (www. bettersleep.org) offers four signs that your current mattress may need to be replaced. â&#x20AC;&#x153;You had a better nightâ&#x20AC;&#x2122;s sleep somewhere other than your own bed (such as a hotel)â&#x20AC;?

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Choose a Mattress

â&#x20AC;&#x153;You wake up with stiffness, numbness, aches and pains.â&#x20AC;?

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PAGE 9

most directly affect how quickly you fall asleep and how long you will stay asleep.

Each person will â&#x20AC;&#x153;feelâ&#x20AC;? the comfort of a mattress differently. What feels too soft to one person can feel too firm for the very next, it is extremely important to find the best comfort for your body. You WILL need to lay down and stay there for a bit.

â&#x20AC;&#x153;Your mattress is 5 â&#x20AC;&#x201C; 7 years oldâ&#x20AC;?

Specialty sleep products are the items that can be added to the new mattress that enNow that you know you need a new mathance the sleeping tress, where do you go from experience. Power here? Lets face it buying a matfoundations are a tress is hard, you have to go perfect example into a store and put yourself in Buy the best and can be added a vulnerable position in front of to any of the sleep a stranger (the salesperson) to quality that you systems above. A buy a product you know little to power foundation nothing about. Even after hours can afford, you gives you the freeof research online it is easy to be dom to change the more confused than when you will spend 3 of shape of your matstarted. tress to fit a specific There are key areas to focus on need. If you need the next 10 years that will make it easier. to raise your legs to help with circuin bed and you First, make sure that the matlation or have acid tress has enough support. No, reflux and need are worth it! that doesnâ&#x20AC;&#x2122;t mean it has to be as to sleep with your hard as a brick! This is why it is head slightly elevital to take your time test resting vated then a power the mattress during the buying foundation would process. Yes, that means lay down! In fact, be a beneficial to your overall health. They there are different types of support. can also be used to find more comfortable sleeping positions or just to massage you to Conventional innersprings that combine a sleep at night. At any rate, adding a power minimum number of coils (350 in a queen) foundation can really provide tremendous with a specific design (to read and respond sleep options! P.S. Donâ&#x20AC;&#x2122;t forget to lay down to your body), durability (thick wire lasts lonand put your feet up when choosing a new ger) and comfort layers to make the mattress mattress! firm, plush or pillow/euro top.

Alternative sleep systems include Memory foam, Latex foam and Airbeds. This category of sleep products really focuses on reducing pressure points and increasing comfort while not sacrificing support. Their support comes from different cell structures. For example, memory and latex use the resiliency in materials to provide support to your back and spine. While airbeds use a bladder design with a pump to increase or decrease support as needed.

Second are the comfort layers.

They will

A few final thoughts that will help you choose your new mattress. Wear comfortable clothes. If you have a partner that will be sleeping with you, they should come too.

Try to limit the number of mattress you lay on in any one shopping experience. Any more than 6 and it will become difficult for your body to â&#x20AC;&#x153;feelâ&#x20AC;? the difference. Get the biggest size mattress your room can hold. The more sleeping space you have the better you will sleep. Buy the best quality that you can afford, you will spend 3 of the next 10 years in bed and you are worth it!

PAGE 10

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Wednesday, May 18, 2011 | sheboyganpress.com

how to

Choose an Assisted Living Facility

For many people, the time will come when living independently at home will no longer be a viable option. When you begin looking for an assisted living facility for yourself or for a family member, there are numerous things to consider before making a final decision.

Of course, the cost of the facility will play a large role in the decision making process.

You need to have a clear understanding of the total costs involved in living there. Some facilities have an all inclusive monthly living cost. In other situations, there are additional charges for special services.

The quality of care and overall record of satisfaction others have experienced also factor into your choice of facility.

You can do an online check of many assisted living homes, apartments, or facilities. Checking directly with people who live there or who have family members living there will give you valuable information about the facility.

You should always personally visit the facilities you are considering as possible options.

While visiting, look carefully at the condition of the building. Check out their calendar of events for residents to see if they offer activities that interest you or the person you are helping with the decision making process.

Talk with residents. Share a meal with a resident. Ask questions both of the staff, the residents, and the management team.

When you initially begin planning a move to an assisted living facility, your requirements may be minimal. You or your family member may simply need a place to live where there is more security and less responsibility.

Having someone readily available in case of a fall or illness may be a main reason for moving into an assisted care facility.

You also need to consider what the facility has to offer you as your needs change. You may begin to have mobility issues which means the size and layout of the facility would be a concern. It may become neces-

sary for you to rely on someone to administer your medication, manage your doctor appointments, provide transportation, and even at some point provide personal care for you.

Some assisted living facilities provide care at a progressive level. Others, require that you be able to maintain a certain level of independence in order to continue living there. In most cases, it is best to select a facility that can and will accommodate changes that occur in your level of independence.

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You want your experience or the experience of your family member to be positive while living in an assisted living facility. You can be more assured that the move will be less stressful and more pleasant if you choose a facility that closely resembles the lifestyle you are accustomed to.

If you are in relatively good health and like to exercise, you should look for a facility that has an exercise room or a secure place to walk. If you enjoy socializing with others, check out the community areas of the facility. Look for a library, a shared activity room, and a schedule of activities provided for residents. Check to see how interesting these are to you.

Keep in mind, the choice to move isnâ&#x20AC;&#x2122;t easy.

Your goal is to find the best possible alternative to home. You also want to find a comfortable, affordable place that will satisfy your long term needs.

If you are the type of person who enjoys time outdoors, you should definitely check out the possible outdoor areas available to you at the facility. An enclosed patio or small garden area can be a welcome diversion that will prevent a feeling of confinement.

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how to guide

how to

Recognize Quality Furniture

There are really only two types of furniture: the solid, wellbuilt kind that can last for generations, and the cheap, poorly made kind that will fall apart.

But how can you tell the difference?

Some furniture stores specialize in longlasting, high-quality pieces, while others have more of a mixture to suit different price levels and customer expectations.

If youâ&#x20AC;&#x2122;re looking for the best furniture, though, here are some things to look for.

MATERIALS One excellent material for furniture is kilndried wood, which means all moisture has been removed. This process takes several months but serves to strengthen the wood.

No matter what, all woods that are used should match grain and color. Frames should always consist of good hardwoods such as poplar and not plywood or pine, which are less strong. Exterior wood can consist of materials such as oak, maple or cherry.

CONSTRUCTION The following are a series of terms which you should be familiar with:

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PAGE 11

Dovetail joints: These joints, which are interlocking tenons, are lined along the edges of the drawer which join one another. Glue is the only material that is needed to secure the joints, and they have been used for hundreds of years in furniture construction. Dovetails can be a sign of good construction.

Mortise and tenon joints: A tenon is a tongue that is cut within the jointâ&#x20AC;&#x2122;s short end. It will have a rectangular or square shape. The mortise is the home on the jointâ&#x20AC;&#x2122;s long side that the tenon is nestled within. This forms a strong and tight joint that has also been used for centuries.

Tongue and groove: Another type of mortise and tenon joint, the tongue extends the complete length of the board with a groove also located on the other side. When the tongue is locked into the groove, the result is a surface area that is very stable and resists warping.

Doweling: Pins or metal and wood blocks are used in order to secure joints between

two wood pieces. Although the joint is not as strong as tenon or the dovetails, it is still quite strong.

Mitering: This form of construction is aesthetically appealing and strong. This is common for picture frames and mirrors.

The two pieces of adjoining wood are cut on a 45-degree angle and then paired to create a solid, 90-degree angle. The joint then runs from the inside corner to the outer joint corner.

Floating drawers: This refers to the bottom of drawers that are placed within the groves but are not secured by nails or glue.

CHARACTERISTICS Large pieces of wood such as headboards and table tops typically have divisions. This is due to the fact that wood does not naturally occur in large pieces, so seaming and joining are inevitable.

All wood areas, such as internal or back areas, should always be sanded so that they are smooth and able to fit tightly at the joints. The piece should be solid.

When you purchase buffets, dressers, hutches as well as other pieces, you want to examine the area for dust panels that are located between drawers. The drawers should open smoothly, and there should be no jamming, sticking or squeaking. When the drawers are closed, they should sit flat against the dresser or cabinet.

Display cabinets and hutches should have light fixtures that are built securely into the unit. For drawers that will hold silverware, the drawers of these pieces should be lined.

With this knowledge in hand, you should be prepared to purchase your next fine piece of furniture. Retailers of fine furniture take great pride in the merchandise they are offering. They will be happy to answer all of your questions regarding frame construction and will be pleased to show you the quality joints and construction methods that are indicative of quality furniture.

how to guide

how to

Choose a Hearing Aid

Over 31 million individuals in the U.S. experience some form of hearing loss.

Because of this, many people choose to wear hearing aids to correct their hearing problems. For some hearing loss can be devastating, but there is no reason to allow this to control your life help is readily available.

It is easy to be self-conscious about the appearance and the feel of the hearing aid.

Because hearing aids are unnatural, it is not uncommon for people to feel deficient or â&#x20AC;&#x153;oldâ&#x20AC;? when they need them. Fortunately the majority of todayâ&#x20AC;&#x2122;s hearing aids are very discreet and blend into the ear area in terms of design and color. Because of this, it is often quite difficult for other people to notice that the patient is wearing the aid.

One popular style is the kind of hearing aid that can fit completely-in-the-ear canal. Hearing aids that were first used were big, bulky and obvious. The hearing aid that is placed within the ear canal allows patients to receive the benefits of amplification while at the same time maintaining the natural appearance of the ear. Although this type of hearing aid can accommodate quite a range of hearing loss, itâ&#x20AC;&#x2122;s strength is limited based on the size and shape of the ear canal.

Today with the advent of the receiver inthe-canal technology and the use of thin tubes these behind-the-ear hearing aids have become increasingly popular. These hearing aids are now so small and discrete that it is difficult to see that men are wearing them. Behind-the-ear hearing aids have actually become more cosmetic than many of the traditional custom in-the-ear hearing aids. They also provide greater amplification for patients who have a more sever hearing loss.

Historically, individuals who suffered from severe hearing loss were given large hearing aids that filled the whole ear or very large in behind-the-ear hearing aid. Fortunately, today these individuals who have severe hearing loss have more styles available that can meet their hearing needs.

In order to determine whether you have a hearing loss, you need to have your hear-

ing tested by a state licensed hearing professional. A Hearing Instrument Specialist or an Audiologist can perform a complete hearing test. Should the hearing test indicate any possible medical concerns a referral to an Ear, Nose, and Throat Specialist is in order, before considering the purchase of a hearing aid.

Once any medical concerns are taken care of, your hearing Instrument provider of choice should be consulted in order to determine the appropriate hearing aid style and circuit that will best meet your hearing needs.

Hearing aids come in a range of prices.

Make sure that you understand the price of the hearing aid and the services included with your hearing aids before you agree to purchase. Ask your hearing aid provider why one hearing aid might cost more than the other and why he or she is recommending that particular hearing aid for you. Generally, the best digital hearing aid circuits cost more than the less sophisticated circuits. Are you getting what is best for your lifestyle, listening environments and hearing loss? If the price is not within your budget find out what you would sacrifice by going to a less expensive product. Get all the facts so you can make an informed decision. If your hearing provider does not offer you any other options you may want to get a second opinion.

In addition to understanding the cost involved you should make sure you understand the terms of your purchase. For your protection the State of Wisconsin requires a thirty day minimum return privilege, and all the terms and costs involved are to be clearly stated on a contract. Make sure you understand the terms of warranty and any services that are included in the purchase of your hearing aid.

If you have a hearing loss, hearing aids are vital devices for improving the quality of your life, you need to make a well-informed decision when choosing a hearing aid. You need to be certain that you have the right hearing aid for your needs.

Wednesday, May 18, 2011 | sheboyganpress.com

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sheboyganpress.com | Wednesday, May 18, 2011

how to guide

how to

PAGE 13

Choose a Chiropractor

For people that want to live a healthier and happier life, chiropractic care is a great choice.

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In fact, itâ&#x20AC;&#x2122;s an increasingly popular choice for millions of Americans with back, head or neck pain, headaches, injuries and other ailments. What some people donâ&#x20AC;&#x2122;t know is that since chiropractors are expertly trained to work on muscles, joints, nerves, bones and ligaments â&#x20AC;&#x201D; the things that keep your entire body connected â&#x20AC;&#x201D; chiropractic care can improve your general health as well. In fact, preventive healthcare is among the fastest growing areas in chiropractic.

WHY CHIROPRACTIC? The reasons people choose chiropractic care boil down to four things: quality, cost, convenience and outcomes.

Quality can be assured by the rigorous training that chiropractors go through before they can be accredited. Theyâ&#x20AC;&#x2122;re trained on the human bodyâ&#x20AC;&#x2122;s nerves and musculoskeletal system, and chiropractorsâ&#x20AC;&#x2122; educational requirements are among the most stringent in the health care industry. They typically spend four years in a pre-medical program and four to five years of professional training.

According to the American Chiropractic Association, accredited chiropractors go through classroom, laboratory and clinical training that totals at least 4,200 hours.

Cost and convenience are two other reasons chiropractic care is so popular. Compared to the skyrocketing cost of other types of medical care, chiropractic can seem downright affordable for the results it provides.

And with the waiting times at other offices and emergency rooms becoming ridiculous, chiropractors can typically offer treatments that fit into your busy lifestyle.

Finally, the positive health outcomes people get from chiropractic care matter more than anything else. People love the care they get from their chiropractor â&#x20AC;&#x201D; and are happy to tell you about it â&#x20AC;&#x201D; but the best way to see the outcome is to try it for yourself.

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The health care system has changed dramatically in the last few years which is also another reason to seek chiropractic care as you have more control of where your health care dollars go.

Most insurance carriers include chiropractic care as part of their regular coverage, includ-

ing Medicare and some Medicaid plans, but you should check to see exactly what your health plan includes. In fact, most chiropractic offices will do this for you and help you understand your plan. There may also be discounts for choosing an â&#x20AC;&#x153;in-networkâ&#x20AC;? chiropractor, which could let you have a lower co-pay and more affordable coverage.

Even if you donâ&#x20AC;&#x2122;t have health insurance, or have a very high deductible which is becoming more common, you will find chiropractic care is a cost-effective alternative that gets great results. Most chiropractors will also offer an affordable payment plan to help patients without insurance coverage or high deductible.

HOW DO I FIND THE RIGHT CHIROPRACTOR? There are many ways to find a chiropractor so use all of them.

One way to choose a chiropractor in your area is to ask friends, family members, neighbors and co-workers who they see.

You may be surprised how many people you know are under care and are happy to share their experiences with you.

They should be able to answer your questions about the things you can only learn from first-hand knowledge â&#x20AC;&#x201D; things like the doctorâ&#x20AC;&#x2122;s demeanor, how easy it is to schedule an office visit and any other concerns you might have about the chiropractic process.

You may also want to look at any local awards a chiropractor has received and how active that person is in the community. You may also want to use the Wisconsin Chiropractic Associationâ&#x20AC;&#x2122;s online â&#x20AC;&#x153;Find a Doctorâ&#x20AC;? tool at http://www.wichiro.org to compare.

Some chiropractors are more holistic and do nutritional counseling, structure exercise rehabilitation programs, encourage lifestyle changes and recommend stress management techniques for home.

Chiropractors are taught many different techniques so you also need to find someone who will provide care the way you desire. Some chiropractors use only their hands, some use instruments and others use a combination of the two to get the desired results.

By taking your time to find a good chiropractor in your area, youâ&#x20AC;&#x2122;ll get the affordable, convenient and effective health benefits that you deserve.

PAGE 14

how to guide

how to

Choose a Water Treatment Company

Wednesday, May 18, 2011 | sheboyganpress.com

Sometimes it can be hard to tell whether your working water and drinking water are as clean and purified as you think they are.

The tap water that runs from your faucets and sinks can contain several components such as chlorine, fluoride, calcium deposits, iron, arsenic, nitrate and other added minerals and â&#x20AC;&#x153;problem water concernsâ&#x20AC;?. Working water and drinking water are typically dealt with in different processes and equipment.

Having too large an amount of calcium and magnesium deposits in tap water can be characterized as â&#x20AC;&#x153;hardâ&#x20AC;? water, which can be thought of as unclean.

WATER HARDNESSâ&#x20AC;Ś refers to the presence in water of calcium and magnesium.

Hard water, containing elevated levels of these minerals causes difficulty in creating a soapy lather and forms crusty deposits (scale) in kettles, electric irons washing machines and dishwashers. If the scale collects on heating elements it shortens their life and makes appliances less efficient. Hard water will also make you use more laundry detergent, soaps and cleaning products.

This concern can normally be dealt with by installing a water softener to remove these minerals. Some of the new modern High Efficiency water softeners can provide you up to 60% savings over some of the older style water softeners.

PROBLEM WATERâ&#x20AC;Ś refers to the presence of undesirables effects of the water. Some common concerns are red/orange or green staining and spots on clothes, appliances and fixtures. Bad tasting water. Smells or odors in the water like chlorine (bleach), rotten egg (sulfur) or metallic (heavy iron) smells are common on municipal (city or village water source) and/or private well systems. Currently on the market these concerns are dealt with by installing a â&#x20AC;&#x153;whole house water filterâ&#x20AC;?.

DRINKING WATERâ&#x20AC;Ś Is measurable. Most consumers today are using some form of drinking water treatment for this concern in

their homes and businesses or purchasing bottled water in multiple packaging sizes at the grocery stores or having it delivered by a local water treatment company... As the world continues to change so does the â&#x20AC;&#x153;qualityâ&#x20AC;? of our drinking water sources.

When thinking about how to improve your drinking water quality and these concerns, the latest technology of Reverse Osmosis Drinking Water Systems offer the consumer a high standard of filtration that no refrigerator or stand alone carbon filter can match.

It is incredible to find that the RO Systems will reduce Aluminum, Chlorine, Copper, Lead, Arsenic, Asbestos, Mercury, Nickel, Nitrates and Total Dissolved Solids(TDS) just to list a few.

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High quality drinking water is definitely something you would want to consider if you dislike the quality and taste of your tap water.

Todayâ&#x20AC;&#x2122;s local Water Treatment companies have the expertise to evaluate your concerns in your home or business and recommend the proper solutions for those concerns, typically this evaluation/ process is at no cost to the consumer. Properly applied water treatment equipment is a low cost investment for your family and home to insure it provides soft water to help you save money on laundry detergents,soaps,cleaning agents, plumbing and appliances, also excessive energy consumption with hot water heaters. It will also take away those nuisance problem water concerns you have of stains and undesirable smells and odors.

Staying healthy and hydrated is something we all deserve. With todayâ&#x20AC;&#x2122;s technology itâ&#x20AC;&#x2122;s just that simple.

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how to guide

sheboyganpress.com | Wednesday, May 18, 2011

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how to Buy Windows

Choosing appropriate windows for a residence or commercial building can be a dizzying experience. Functionality, aesthetics, placement, cost and efficiency are all factors which must be weighed equally.

Moreover, window terminology can be daunting and confusing, but with just a little education, you, too, can become a fenestration expert.

WINDOW GLAZING The glazing of a window refers to the actual glass in a window. Today, most structures are built with double-glazed windows â&#x20AC;&#x201D; meaning that there are two panes of glass in each frame.

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PAGE 15

thereby lessening the work of your homeâ&#x20AC;&#x2122;s heater.

Conversely, in the summer, infrared heat from the sun is reflected awayâ&#x20AC;&#x201D;thus making low-e windows a good choice for people in warmer regions as well.

UV FACTORS UV rays from solar penetration can wreak havoc on items inside a home or building by causing furniture and carpets to fade in color. Thatâ&#x20AC;&#x2122;s why a window with high ultraviolet blockage is recommended, especially for people who live in hotter climates.

CASEMENT WINDOWS

Many older buildings and homes still feature single-glazed windows, but caveat emptor: windows with a single pane of glass arenâ&#x20AC;&#x2122;t very energy-friendly. Tripleglazed windows are the best, and as a result, more expensive.

If energy efficiency is of the utmost concern, casement windows are the best option. The simple hinge-and-crank design diminishes air seepage, and when wind pushes against the glass, the window seal becomes tighter, further reducing leakage.

R-VALUES

Generally speaking, casement windows are hinged on the sides, while windows hinged at the top are known as awning windows and bottom-hinged windows are called hoppers.

An R-value measures a windowâ&#x20AC;&#x2122;s thermal resistance. In laymenâ&#x20AC;&#x2122;s terms, R-values indicate the amount of heat lost through a window. The higher the R-value of a window, the more efficient it is. Typically, the lowest acceptable value for a residence is R-3.

U-VALUES A U-value â&#x20AC;&#x201D; technically known as the overall heat transfer coefficient â&#x20AC;&#x201D; measures the level at which windows conduct heat.

For residential windows, if efficiency is a concern, itâ&#x20AC;&#x2122;s important to use windows that let out the least amount of heat.

Therefore, the lower the U-factor of a window, the better.

For those who live in colder windy climates, equal importance should be placed on the U- and R-values of a window.

LOW-E Low-emissive, or low-e, windows are one of the latest innovations in the energy-efficiency market. Simply stated, low-e glass traps heat.

Low-e is achieved by placing a thin metallic coating on the appropriate pane of a window. Like U-values, those who live in more frigid climates should give serious consideration to low-e windowing because indoor radiant heat is reflected back inside,

Hinged windows must be maintained properly, as the seal erodes over time. If left unchecked, continued erosion can render the window less efficient.

OTHER FACTORS As taught in elementary school science classes, when thereâ&#x20AC;&#x2122;s a large difference between indoor and outdoor temperatures, condensation will form on glass.

Thatâ&#x20AC;&#x2122;s why you should choose a window appropriate for your climate.

Window placement is another factor to consider when building. If you are looking to increase a structureâ&#x20AC;&#x2122;s passive solar efficiency, consider the position and location of the building relative to the sun. Windows that face the south let in more heat than north-facing windows.

Also, frames and seals can deteriorate quickly when dealing with extreme temperatures. Itâ&#x20AC;&#x2122;s vital to choose windows with warm-air technology and decent spacers.

Lastly, to avoid fines and/or expensive re-windowing construction, be sure to research and adhere to any area building codes.

how to guide

PAGE 16

Wednesday, May 18, 2011 | sheboyganpress.com

how to

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Choose a Roofer

Replacing the roof on your home should be left to professionals.

With that in mind, there are several points you definitely want to check out before selecting a roofer.

First, how long has the company been in operation? A good roofer should offer a guarantee of anywhere from five to 12 years on their work. If you are dealing with a company that has only been in business for two years, you do not know if that guarantee is worth anything.

You also want to try to find a roofing contractor who is local to your area. This is especially true after high winds have passed through your region and damaged many area roofs.

Contractors from other regions of the country often follow such storm events, scooping up jobs and insurance payments. If their work fails and leaks after a year, it is extremely unlikely that they will return to your area to repair their error.

Remember, you are paying for the warranty, so finding a local roofing contractor who has been in business for a while should be a top priority.

How do you accomplish this?

First, ask family, friends and neighbors if they have any recommendations. Even if they have not used a roofer recently, they may have other friends who have. Personal recommendations are worth much more than ads in the newspaper or phone book yellow pages.

Personal recommendations often include advice on who not to use, as well as commentary on the quality of the work and the cleanup. For example, if someone puts on a good roof but leaves shingles from the old one lying all over the yard, you may not want to use them.

You should also do an Internet search for roofing contractors in your area. Many Web sites list contractors and allow reviews of their work to be posted.

Finally, look in the local classified and the phone book yellow pages. Those arenâ&#x20AC;&#x2122;t the

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best sources, but they will give you some companies to check out.

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The next step is to contact the roofers you have identified in order to get estimates and ask questions. Getting estimates is obvious, but asking questions is also extremely important. Doing so will let the contractors know that you will not simply let them work and think nothing about it. It will let them know that you are paying attention to the process, right from the start. It can also let them know that you understand some things about roofs.

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Good questions to ask are what they will do if they find damaged decking, whether they recommend standard or architectural shingles, what the warranty is on their work, do they provide the warranty in writing, how long would it take to complete the work, and when could they start the job.

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The answers you receive to these questions will give you a basis to decide whether or not you trust the contractor.

You should also make sure the contractor is licensed and bonded. Insurance is especially important for roofing contractors. While it is important they they be bonded and able to cover any damages they cause to your property, it is even more important they have coverage for their own workers who may be injured or even fall to their death in the process of repairing your roof.

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Asking about these kinds of issues will demonstrate to the contractor that you know what you are talking about and will prompt them to be more open with you in discussing the job.

The topics you discuss will grow as the number of roofers you interview increases, because you will be able to ask following roofers about things the first roofer said.

Finally, be sure to get a written contract with the roofer you choose. Contracts should always be in writing so there are no misunderstandings about what materials are to be used, exactly what the scope of work is, and what the final cost is to be.

Following these simple steps, you should be able to find and reasonably evaluate a roofing contractor to replace your roof. You will get a good product for your money and be confident that you made the right choice.

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When you hire a professional you are paying for more than just the work. You are paying for their warranty, too, so that if the roof leaks two years later they are still liable and will have to correct the problem.

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sheboyganpress.com | Wednesday, May 18, 2011

how to guide

how to

Choose a Mortgage Lender

For enthusiastic home buyers, the purchase of a house can be a thrilling yet confusing experience.

Finding a dream home may take quite some time, but once it is accomplished the buyer will be anxious to solidify the transaction.

Impatience can be a problem at this point.

It is not the time to rush through the closing process. It is the time to choose a good mortgage lender.

The mortgage lender can be a help or a hindrance to the buyer. If the lender is not just looking out for him or herself, the experience can be positive. However, if a mortgage lender is thinking only about future commissions and sales, the buyer must beware.

The lender should be well prepared and ready to discuss all available options no matter how much time is involved. Reliable lenders encourage potential clients to ask questions and look forward to explaining confusing financial jargon to the buyer, taking their time to ensure everything is understood and clear.

Becoming familiar with mortgage lending options beforehand is one important way a home buyer can test the honesty and ethics of a potential lender. Are you being steered to what is in your best interest or to what is in the best financial interest of your lender?

Being forearmed with a basic understanding of the lending process will enable the client to more quickly grasp the professionalism and integrity of the lender.

BUYERâ&#x20AC;&#x2122;S RIGHTS Dealing with mounds of forms, declarations, and financial obligations can be dizzying to the inexperienced home buyer.

However intimidating, care must be exercised in making sure what is signed and agreed upon is understood by the purchaser.

A signature cannot be erased, and a buyer only has a short time to legally back out of a purchase in some cases â&#x20AC;&#x201D; if at all.

Even if done within that legal time limit

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PAGE 17

the buyer still forfeits the deposit for reneging on the agreement and may owe an additional amount formulated according to when the first payment was originally due.

It is an expensive proposition that can be avoided by signing forms carefully.

If a mortgage lender is rushing through the paperwork and pushing you to just sign the forms, the lender is not doing his or her job. The home buyerâ&#x20AC;&#x2122;s best interests are not being looked after and could easily result in a misunderstanding for the purchaser.

KNOWING YOUR LENDER Questions and areas of concern for professional lenders involve the future longrange goals of the buyer.

A lender wants to know how long the home will be lived in. Such knowledge helps the lender suggest the mortgage that best suits the homeowners needs. If a lender is not concerned with such questions it most certainly is a red flag for the buyer.

DEAL LOCALLY Finding a local area mortgage lender is most preferred. Since interest rates can change daily, a local lender will be more attuned to the changes in the local housing market and whether or not selling conditions have changed.

A local lender also allows closer monitoring of the loan application and is close by to answer any troubling questions that the potential home buyer may have.

USING REFERENCES Feel free to ask family members and friends who they used as their mortgage lender and if there experiences were good and positive.

Word-of-mouth recommendations are often totally reliable. Also check the amount of time the lending agency has been in operation and whether it has built up a good business reputation.

how to guide

PAGE 18

Wednesday, May 18, 2011 | sheboyganpress.com

how to

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Choose a Builder

Building a new home can be a daunting task unless you choose the right builder. A number of issues can come up during the process, which is why choosing a great builder is essential. This way you will end up with a home that is designed to fit your needs and with the aesthetic and architectural appeal that makes it exciting as well as timeless.

There are many key factors in choosing the right builder. When it comes to construction, word-of-mouth is a great way to find out information. When asking someone about the experience they had with a particular builder it is important to be specific.

to be the most honest about it.

Itâ&#x20AC;&#x2122;s a good idea to drive by homes the builder has worked on in the past. You might want to do so on the weekend, that way you can talk to the home owners and ask questions.

Take a notebook with you with questions you want to ask and write down their answers. It will be easier to review your notes later and make a final decision. Donâ&#x20AC;&#x2122;t be afraid to ask any questions. Even questions that seem insignificant can yield important answers.

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Things to ask your builder about and confirm with references include how the design process works. Does the builder have a variety of pre-priced plans to choose from? Does the company have an in-house designer who is highly skilled and responsive or is design farmed out to a third party? Will the company make modifications to their standard plans free-of-charge? Is the builder open to you bringing in your own ideas for plans and design your home from there? Does the builder charge for these design services, and is that charge applied to the home price once you commit?

Ask the builder you are considering for references. When you contact the references ask the same questions. It is also a good idea contact your local Better Business Bureau and Home Builderâ&#x20AC;&#x2122;s Association. Once you have compiled a list of three of four possible builders, set up meetings with them.

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It is recommended to meet at the site of the building to give the builder an idea of what is required in terms of site improvements. If your home is in the builderâ&#x20AC;&#x2122;s own subdivision, will the builder guarantee to cost of these improvements? If you have your own lot with well and septic, is the builder knowledgeable about these installations and such things as house placement and grading

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Once you have determined the floor plan and elevations of your home, you need to work with the builder on interior and exterior finishes and features. How are the selections for these finishes and features handled?

Does the builder have a design center with a selections professional or does the builder send its customer around to various suppliers to pick out plumbing fixtures, siding and roofing, countertops and cabinets, etc. Does the builder pre-price all these choices to make the process easy and worry-free?

Prepare a list of questions about the construction process. Ask how much of the work is done by the builderâ&#x20AC;&#x2122;s own crews and how much, if any, is subcontracted. Ask ahead of time who twill do the excavating, siding, roofing, insulation, cooling and heating, etc.

Many builders will subcontract out the work for most of the project, which typically means they can be more cost competitive and more predictable with timing. Ask about the quality of materials used and if the builder has a set of standard specifications for you to review.

Most builders will give you a commitment to a time frame for construction once they excavate the foundation. Find out if the builder will guarantee the time of delivery. Ask references about delays (other than weather) and if the builder finished when they had committed to finish. It is also important to ask if the crews were professional and cleaned up along the way and when the project was completed.

Ask if the builder will oversee the work on a daily basis or if they have a project manager who will do this. This applies even if the work is subcontracted. You want to make sure that any possible problem is noticed and addressed quickly. If a problem is left undetected until the project is complete it could be very costly to correct it. It is generally much easier to catch a problem early on and correct it while the initial building process is still going on.

Ask if repairs had to be made after the project was done. Some minor issues are expected, but if there are repairs or minor touch-ups that had to be done, ask if they were handled quickly. You want to make sure they have good follow-up service. This is a question you want to ask to past customers, who are likely

Make sure the builder is open to questions and is good with communication. While choosing the right builder may take some work, in the end the efforts of being selective will result in satisfaction with the finished project.

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sheboyganpress.com | Wednesday, May 18, 2011

how to guide

how to

PAGE 19

Choose a Certified Financial Plannerâ&#x201E;˘

Some people decide to do theirâ&#x201E;˘own financial planning, but you may want to seek help from a Certified Financial Plannerâ&#x201E;˘ professional if you:

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In todayâ&#x20AC;&#x2122;s uncertain economy, financial planning has become increasingly important. With an overwhelming number of options for saving and investing, managing your finances can be difficult. Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a strategy, itâ&#x20AC;&#x2122;s easier to make financial decisions and stay on track to meet your goals. Working with a CFPÂŽ professional can secure your financial wellbeing and give you peace of mind.

Donâ&#x20AC;&#x2122;t have time to do your own financial planning.

Donâ&#x20AC;&#x2122;t have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning.

Know what you want. Determine your general financial goals and/or specific needs (insurance policy analysis, estate planning, investment advice, college tuition financing, etc.) to better focus your search for a suitable financial planner.

Be prepared. Read personal finance publications (Worth, Money, SmartMoney, Kiplingerâ&#x20AC;&#x2DC;s Personal Finance, etc.) to maximize your familiarity with financial planning strategies and terminology.

Talk to others. Get referrals from advisors you trust, from business associates and friends. Or contact one of the financial planning membership organizations for a referral to a financial planner in your area.

Look for competence. A number of specialty designations exist in the financial planning and services arenas. Choose a financial planning professional with the

certification that indicates that he or she is ethical and has met standards of financial planning competency, the CERTIFIED FINANCIAL PLANNERâ&#x201E;˘ certification.

Interview more than one planner. Ask the planners to describe their educational backgrounds, experience and specialties, the size and duration of their practice, how often they communicate with clients and whether an assistant handles client matters. Make sure you feel comfortable discussing your finances with the planner you select.

Check the plannerâ&#x20AC;&#x2DC;s background. Depending on the financial plannerâ&#x20AC;&#x2DC;s area of expertise, call the securities or insurance departments in your state regarding each plannerâ&#x20AC;&#x2DC;s complaint record. Call CFP Board toll-free at 800-487-1497 or visit www.CFP. net to determine if a planner is currently authorized to use the CFP certification marks or has ever been publicly disciplined

by CFP Board.

Know what to expect. Ask for a registration or disclosure statement (such as a Form ADV) detailing the plannerâ&#x20AC;&#x2DC;s compensation methods, conflicts of interest, business affiliations and personal qualifications.

Get it in writing. Request a written advisory contract or engagement letter to document the nature and scope of services the planner will provide. You should also understand whether compensation will be fee or commission-based, or a combination of both.

Re-assess the relationship regularly. Financial planning relationships are quite often long term. Review your professional relationship on a regular basis and ensure that your financial planner understands your goals and needs as they develop and change over time. If you have concerns regarding the conduct of your CERTIFIED FINANCIAL PLANNERâ&#x201E;˘ certificant, call CFP Board toll-free at 800-487-1497 or visit www.CFP.net and ask for a Complaint Package.

Sources: www.letsmakeaplan.org and Certified Financial Planner Board of Standards, Inc.

PAGE 20

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Wednesday, May 18, 2011 | sheboyganpress.com

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When grieving over the loss of a loved one, planning a funeral can be overwhelming.

Hopefully funeral plans were previously discussed and perhaps pre-arranged. However, if no funeral plans were made prior to the death, you may find yourself facing difficult decisions.

selection within your budget. Generally, discounted packages are available when purchasing services and casket exclusively from a funeral home.

If you are planning the funeral with other When you are ready to begin planning, the family members, make sure you discuss first step you need to take is to choose the who is going to be the primary contact for type of service that will take place and what all funeral arrangements. This makes things type of disposition easier for both the fuwill follow the funeral, neral home and family namely, burial, cremamembers who are trytion or entombment.

After examining ing to get information This may be easier on arrangements. your options, if your loved one exAfter examining your pressed their desire finalize your options, finalize your earlier. decision on what type decision on what Next, an arrangement of service is best for conference needs type of service your family, after all, to be scheduled to funerals are for the is best for your gather the necessary benefit of the surviinformation for counfamily, after all, vors. ty, state and federal funerals are for This may all seem reporting, to be comoverwhelming, but pleted by the funeral the benefit of the remember that if you director. have given thought to survivors.

Most likely, the cost of the arrangement prior the funeral is one of to the death, you can your concerns. All fube assured that the arneral homes provide a rangement process will be easier, and the General Price List describing service chargfuneral will provide healing for your family es and merchandise provided by them. and offer a tribute to the one that has died.

From there, you can follow-up with quesHopefully your family has established a retions on available services and any down lationship of trust with your funeral director. payments you will need to make. During the Caring funeral directors have the expertise arrangement meeting, you can determine to guide you through this difficult process if service costs and merchandise selected and to ensure the funeral runs smoothly for meet your funeral budget. everyone.

It is said that a funeral can be one of the most expensive purchases you will make, other than the purchase of a home, automobile or paying for a wedding. The total cost of a traditional funeral can easily run over $10,000.

Funeral homes provide caskets in a wide variety of costs allowing you to make a

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Choose an Attorney

Choosing the right attorney is the single best decision a person can make for his or her situation. There are some unethical lawyers out there, and it takes knowledge of the field to choose the right one.

A good attorney can be the difference between winning or losing oneâ&#x20AC;&#x2122;s case. Here are some tips that help a person choose the right attorney for his or her legal situation: YOU GET WHAT YOU PAY FOR

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PAGE 21

Sometimes paying more money for a highly skilled attorney is worth it, as opposed to paying a small sum of money for an unskilled or inexperienced attorney. The worst situation would be hiring an attorney that has been disbarred in your state or another state in the United States.

RELEVANT ISSUES First, it will be important for a client to decide what legal issues he or she is dealing with. If the client is about to be sued for negligence in a driving accident, then a personal injury lawyer will be required for the case.

SETTLEMENTS Depending on the case one is dealing with, it is a good idea to research the case history of an attorney. There are plenty of Web sites which show an attorneyâ&#x20AC;&#x2122;s success rate at winning cases or achieving good settlements with companies.

Otherwise, it is a good idea to directly ask an attorney regarding his or her case history.

If the attorney has great case history, then he or she will not be shy about discussing it. Otherwise, move on to find a different attorney.

ONLINE RATINGS With the Internet, it is increasingly easier for consumers to find great lawyers. A consumer has plenty of Web sites he or she can look to for ratings on attorneys. Be sure to read the comments on how people have rated certain lawyers on these sites.

On the other hand, if one is dealing with a purely commercial real estate transaction, Comments can be quite telling about a lawthen a real estate lawyer will be needed. It yerâ&#x20AC;&#x2122;s success rate. If a lawyer has a bad peris important to know which legal issues you sonality yet was still able are dealing with â&#x20AC;&#x201D; includto achieve great results ing whether a legal subfor a client, then it may speciality might be helpful still be wise to hire that It is important to â&#x20AC;&#x201D; before hiring a lawyer. lawyer. Conversely, if a GET REFERENCES A great way to find a good lawyer is to obtain references from others. Perhaps you need a good divorce attorney who will achieve a great settlement in the case. A good idea is to ask other divorced people about the attorney they used to handle their situation.

know which legal issues you are dealing with â&#x20AC;&#x201D; including whether a legal sub-speciality might be helpful â&#x20AC;&#x201D; before hiring a lawyer.

Surprisingly, many people are more than willing to recommend a great attorney that achieved good results for them in the past.

At the same time, people are more than willing to also dissuade a person from going to a bad lawyer.

lawyer was always available to clients, friendly, yet lost cases, then that is probably a lawyer to stay away from.

CONSULTATION

Sometimes, a person will simply need to have a meeting with a lawyer to decide if that attorney is the right one. By meeting with a lawyer, a person can instantly â&#x20AC;&#x153;feel outâ&#x20AC;? an attorney to see if theyâ&#x20AC;&#x2122;re a good match for your needs.

If you feel uncomfortable with the attorney, then it is probably not the right one for the job. You should also make sure the attorney is not billing the client for the first meeting.

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PAGE 22

Wednesday, May 18, 2011 | sheboyganpress.com

how to

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Choose an Auctioneer

When deciding on an auctioneer, the selection process does not have to be difficult. However, it is necessary to take a few things into consideration before you make your choice.

The first thing to determine is the kind of auction you wish to conduct. Auctions can be held for a variety of purposes, including raising funds or liquidate a business. An auctioneer must possess charisma and confidence, and vector these personality traits with their voice.

They must be affable and gregarious, and use their gifts of speech to create a rapport with the audience. The auctioneer must connect with the bidders in a way that entices them to participate. By having a verbal connection with the audience, they can help maximize the bids on even the most unattractive of items.

also vital to ensure that all auctioneers listed are licensed and currently working auction events. Ask for references and work history.

As it is their career, these experienced auctioneers will know how to push bids higher and when to close. They also have the speed and verbal dexterity to move through lots expediently.

If a professional auctioneer is unavailable or too expensive, another viable option would be to find a person in the community who possesses these qualities of charisma.

Sometimes having a person known to the bidders can be even more effective than using a professional auctioneer. However, it is still recommended that this individual undergo some training with regard to the logistics of the bidding, closing, and overall auction process.

Another method of finding auctioneers is through the Internet or newspaper. Newspapers typically have an auction section where you can locate professionals in the area. It is

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Another option is to contact the National Auctioneers Association or visit their Web site. The National Auctioneers Association website provides a list of qualified auctioneers in your area.

The auctioneer must connect with the bidders in a way that entices them to participate. By having a verbal connection with the audience, they can help maximize the bids on even the most unattractive of items.

When hiring an auctioneer, one of the best places to begin is an auction house. Many skilled and experienced auctioneers are independently contracted and can work at a variety of locations.

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Many auctioneers are also certified and credentialed by similar auctioneer organizations such as the Certified Auctioneers Institute, or CAI. This credential demonstrates that the auctioneer has undergone extensive training as well as a standard of integrity and professionalism, some of which goes beyond what is required for a state license.

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If you are unsure about an auctioneer, you can always watch them perform an auction. Most auctioneers are contracted throughout the year, and it is excellent idea to visit them working and get a feel for how they handle a crowd. By examining and comparing each auctioneer, you can determine which one best fits the needs of the audience and the auction items.

The Internet is also a great tool for finding the right auctioneer. Not only do Web sites narrow down the search to auctioneers in the area, they also provide contact information and can expedite the entire hiring process.

However, some sites may not list credentialed auctioneers. The quality of these lists will vary from site to site, and it is recommended you visit a Web site of a certified institution.

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PAGE 23

Choose a Health Mobility Company

If you are suffering from a lack of mobility, either in the short term or the long term, finding the right mobility equipment can make a big difference in your life. qäŸÄ&#x2030; ĹşÄ&#x2019;Ĺ&#x; Ä&#x2019;Äź Ĺ&#x201E;Ä&#x2019;Ä&#x192;ÂźÄ&#x2019;Ä&#x2030;Âź ĂŞÄ&#x2030; ĹşÄ&#x2019;Ĺ&#x;Äź Â&#x203A;|🠚|Ä&#x2030;Ĺ&#x2019;Ĺ&#x201E; Ĺ&#x2019;Ä&#x2019; ğŸÄ&#x192;|ĂŞÄ&#x2030; ĂŞÄ&#x2030;ŽŸĤŸÄ&#x2030;ÂŽÂźÄ&#x2030;Ĺ&#x2019; Â?Ĺ&#x;Ĺ&#x2019; ğŸĹĹ&#x;êğŸĹ&#x201E; ŸĹĹ&#x;êĤÄ&#x192;ÂźÄ&#x2030;Ĺ&#x2019; Ĺ&#x2019;Ä&#x2019; ÂŽÄ&#x2019; Ĺ&#x201E;Ä&#x2019;Š ĹşÄ&#x2019;Ĺ&#x;ĚÚÚ Ă?Ä&#x2030;ÂŽ ĂŞĹ&#x2019; Â&#x203A;Ä&#x2019;Ä&#x192;Ă?Ä&#x2019;ÄźĹ&#x2019;ĂŞÄ&#x2030;Ă&#x2013; Ĺ&#x2019;Ä&#x2019; šÄ&#x2019;ğá šêĹ&#x2019;ä ĂšÄ&#x2019;Â&#x203A;|Ăš ĤğÄ&#x2019;Ă?ÂźĹ&#x201E;Ĺ&#x201E;ĂŞÄ&#x2019;Ä&#x2030;|ĂšĹ&#x201E;ÄŞ qäŸĹ&#x2019;äŸğ ĹşÄ&#x2019;Ĺ&#x; |ğŸ ğŸ|ÂŽĹş Ĺ&#x2019;Ä&#x2019; ĤĹ&#x;ÄźÂ&#x203A;ä|Ĺ&#x201E;ŸŠ š|Ä&#x2030;Ĺ&#x2019; Ĺ&#x2019;Ä&#x2019; ğŸÄ&#x2030;Ĺ&#x2019;Š Ä&#x2019;Äź Ä&#x2030;ŸŸŽ | ğŸĤ|ĂŞÄź šŸ Ä&#x2019;Ă?Ă?Ÿğ Ĺ&#x2019;äŸÄ&#x192; |ÚÚĪ HĹ&#x;Äź Â&#x203A;|ğêÄ&#x2030;Ă&#x2013; Ĺ&#x201E;Ĺ&#x2019;|Ă?Ă? ĂŞĹ&#x201E; ŸŚĤŸğĹ&#x2019;Úź Ĺ&#x2019;Äź|ĂŞÄ&#x2030;ŸŽ Ĺ&#x2019;Ä&#x2019; |Ĺ&#x201E;Ĺ&#x201E;Ĺ&#x;ğŸ ĹşÄ&#x2019;Ĺ&#x; Ă&#x2013;ÂźĹ&#x2019; Ĺ&#x2019;äŸ Â?ÂźĹ&#x201E;Ĺ&#x2019; Ĺ&#x201E;Ä&#x2019;ĂšĹ&#x;Ĺ&#x2019;ĂŞÄ&#x2019;Ä&#x2030;Ĺ&#x201E; Ă?Ä&#x2019;Äź ĹşÄ&#x2019;Ĺ&#x;Äź Ĺ&#x201E;ĤŸÂ&#x203A;ĂŞĂ?Â&#x203A; Ä&#x2030;ŸŸŽĹ&#x201E;ÄŞ qÂź ĤğÄ&#x2019;Ŝꎟ Ĺ&#x2019;Äź|ĂŞÄ&#x2030;ĂŞÄ&#x2030;Ă&#x2013; Ĺ&#x2019;Ä&#x2019; |Ĺ&#x201E;Ĺ&#x201E;Ĺ&#x;ğŸ ĤğÄ&#x2019;ĤŸğ Ĺ&#x;Ĺ&#x201E;ŸĪ qÂź |ĂšĹ&#x201E;Ä&#x2019; Ä&#x2019;Ă?Ă?Ÿğ Â&#x203A;ŸğĹ&#x2019;ĂŞĂ?ŸŽ ĂŞÄ&#x2030;Ĺ&#x201E;Ĺ&#x2019;|ÚÚ|Ĺ&#x2019;ĂŞÄ&#x2019;Ä&#x2030; |Ä&#x2030;ÂŽ Ĺ&#x201E;ŸğŜêÂ&#x203A;Âź šäŸÄ&#x2030; Ä&#x2030;ŸŸŽŸŽĪ

Unfortunately, choosing the mobility equipment that is right for you can be somewhat difficult. This issue is only complicated by accessibility requirements, medical needs and the limits of your financial situation. This makes the large number of options both a good thing and a bad thing, depending on how you want to think about it.

The good news is that the large number of choices available means it is almost always possible for you to find an option that is perfect for your needs. If you take the time to narrow down exactly what it is that you are looking for, it will make the search much less difficult and the results more satisfying.

The first thing that you will need to do is determine what type of equipment is going to be necessary and whether or not it will be enough to suffice in the future. As an example, a patient who is older is more likely to have a growing need for assistance with their mobility.

On the other hand, if a device for full transportation is necessary, there are a few different options to consider. The most important thing is that the machine can be used by the patient to its full capacity. As an example, if a person can not use their fingers or forearms, scooters are not a good choice because of the fact that they require both hands. Alternatively, power chairs have many more options when it comes to steering.

Another consideration is the amount of weight that the device will need to be able to support. If the capacity of the device is exceeded, the warranty will be voided. This means that an expensive repair cost will be incurred, or an entirely new device will be required.

A power chair or scooter needs to be stored, of course, and this is another factor to take into consideration. If it needs to be moved around a great deal, the weight of the device is important, and it is nice to choose an option that can be folded. If, on the other hand, it does not need to be transported a great deal, it is better to choose an option based primarily on its comfort.

In many cases it is possible for you to form a long lasting relationship with a health mobility company. They will be able to work with you and your changing needs as circumstances continue to move forward.

If you take the time Not all future needs can to narrow down be predicted, of course, but mobility specialists exactly what it is can help you gain an unthat you are looking derstanding of what may be necessary. for, it will make

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Once the needs have been properly addressed, the next step is to determine how the purchases should be made. Online businesses can be convenient because you do not need to leave the home. At the same time, their is no face-to-face contact, and you have no opportunity to see or try the equipment before you make the purchase.

the search much The search can be narrowed down by considless difficult and ering your current level the results more of mobility. Is walking assistance required, or will satisfying. the full body weight need to be supported? If it has been determined that The benefit of a physical a cane or walker is all that is necessary, it store is that you can communicate with peoshould not be too difficult to find the right ple directly about what they have to offer. If equipment. These can be found in many you need further assistance, you can simply places, including pharmacies and large dego back to the store again. partment stores.

PAGE 24

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Wednesday, May 18, 2011 | sheboyganpress.com

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