How-To Guide 2023

CHOOSING A CHURCH

faithful or converted, or you wish to join new congregation, your choice will reflect your beliefs and accommodate any subsets of beliefs you subscribe to.

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

Choosing a church is a very personal decision because faith is

personal. Whether you’re moving to a new city, you are newly

At its heart, a church is a group of like-minded people who share a set of beliefs, values and norms. In most of the cases, the members feel as though they belong to a large, extended family and offer support, encouragement and emotional and

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

needs, conduct some research. Look in your local newspaper, online or drive around your city.

Ask friends and relatives about the churches they attend. People are often happy to discuss their experiences with you.

Once you have found some

volunteer work is important to you, find a religious community that has programs for soup kitchens, homeless shelters or even local parks.

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

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

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

Do you have a particular faith?

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

Once you understand your

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

Sometimes having a friend along will help you feel more at ease. Speak to people sitting near you, or speak to the pastor after the service. Take home any literature offered.

Afterward, reflect on your experience. Does the church’s statement of belief match yours?

Sometimes churches are known for their service to the community. If

attention or were you bored?

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

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

HOW TO DEAL WITH HEARING LOSS & DEMENTIA

1 in 3 Experience Hearing Loss

A growing body of evidence shows that untreated (or undertreated) hearing loss may lead to isolation, depression and life-threatening comorbidities such as dementia. Cognitive decline and dementia have a significant impact on the individual experiencing it, as well as their family, caregivers and other support systems.

SIGNIFICANT RISK FACTOR FOR DEMENTIA

Age-related hearing loss, called presbycusis, has been shown

to negatively affect physical and mental health, cognition, independence, social interaction and quality of life in older adults. Having a hearing loss can lead to changes in the brain and contribute to social disengagement, depression and accelerated atrophy, all of which can lead to cognitive decline. Researchers at Johns Hopkins Medicine found that the likelihood of developing dementia increased in direct proportion to the severity of the participants’ hearing loss at the time of their initial hearing test.

Mild hearing impairment doubled the dementia risk and moderate loss tripled the risk. People with severe hearing loss were five times more likely to develop dementia. In a separate study, researchers reported that for every 10 dB decrease in hearing, there was a significant decrease in cognitive ability — a pattern seen across the entire spectrum of hearing.

HEARING CARE IS HEALTH CARE

Hearing health is not something

to ignore. It cuts across age, gender, economic strata and location. Yet it is largely going unnoticed. It shouldn’t be. Good hearing plays an important role in maintaining quality of life. If you suspect that you have a hearing loss or if you are experiencing hearing difficulty with your current hearing aids, contact us to schedule and appointment. Hearing loss is treatable through professional hearing care. And just like vision care, dental care and other health care, hearing care can help you deal with other serious medical conditions often associated with hearing loss. With a visit to our office, you can find out whether

new hearing aids or an adjustment of your current hearing aids can provide clearer, more natural hearing, so you can stay engaged with the world around you. And

that’s a healthy choice, in more ways than one.

THE LATEST TECHNOLOGY

The latest innovations in hearing technology are helping give the brain what it needs to hear.

Hearing aids with BrainHearing™ technology are designed to support the brain’s natural process of making sense of sound, giving access to the full sound scene, ensuring that the brain receives the quality sound information it needs to remain healthy. To request more information or to schedule an appointment, call our office today.

Living with untreated or undertreated hearing loss is not a solution nor is it necessary. If you are having difficulty understanding speech, we recommend you schedule an appointment as soon as possible to have your hearing issues addressed.

HOW TO CHOOSE A MARTIAL ARTS STUDIO

Martial Arts have been around for a very long time now, dating all the way back to the 3rd century BC! Whether you have decided to pick them up for self-defense, self-growth, or even just because you saw them on TV and thought it would be cool to learn, you have found yourself now looking for a studio! But where do you even begin? Luckily for you, we have done the research and can equip you with all the details you need to make the best choice for your new martial arts journey!

First and foremost, you need to think about what time slot you have available for martial arts lessons. If you are an early morning person, find studios that are open early in the day! If you are more of a night owl, find a studio that is open later. Simple stuff, but it often isn’t considered until suddenly, you are missing lessons and over stressing about whether or not you have time!

Secondly, find a studio that specializes in your preferred martial art. If you are looking for

jiu jiutsu classes, it won’t do you any good to show up at a dojo that only teaches Taekwondo. If you have questions about which martial art is best for you, just ask a martial arts master or search on the web and pick what sounds most like you!

Next, do a visit before signing up for lessons. A simple vibe check of a dojo will let you know if the atmosphere is right for you. Some studios are very competitive. Some are aggressive and some are defensive.  You should aim to pick

a studio that meshes with your personal motivational style.

Once the first impressions have concluded, choose the one you are most comfortable and motivated by! Then it’s as easy as talking to the staff about signing up for lessons!

That’s pretty much it! Remember: time slot, martial art style, vibe check, and sign up! We hope this how-to helps and can’t wait to see the next generation of martial artists!

HOW TO CHOOSE A KITCHEN & BATH DESIGN

Ask any homebuilder or interior decorator about the most-requested customization projects and they’ll quickly answer: kitchens and bathrooms. And for good reason. Kitchens are not only functional cooking areas but family gathering spots. With cooking growing with popularity during the pandemic, home chefs are eyeing the latest in upgraded appliances and design touches.

Bathrooms are equally popular because they can be outfitted with custom showers, heated floor tiles and an array of fittings that reflect comfort and style.

Kitchen and bath remodeling can improve your home’s value and increase its charm. This is especially true if your current kitchen and baths are dated and showing their age. And while remodeling can be costly, these are areas where you don’t want to cut corners. After all, you use your kitchen and bath every day you are in your home.

If it’s time for some updates in your home, here are some things to consider with regard to kitchen and bath remodeling.

FUNCTION

Functionality is paramount. What exactly will you be doing in this room? Do you eat in your kitchen, or in a dining room?

Some people get dressed in their bathroom, while others put on clothing in their bedrooms.

Make a list of all the activities you perform in the room. Prioritize this list from most important to the least.

Upon finishing this list, figure out the items you need to store in your bathroom or kitchen. Do you really need to have the washer and dryer near your kitchen or

bathroom? Can you create a closet in your bathroom?

Next, create a floor plan. Think about your traffic pattern as you complete tasks. When you are tired from a hard day, you will be glad you thought ahead.

bathroom.

Neutral paint may open up opportunities for a variety of decorating options. It could make it easier to change the decor in the future. If you sell your home, it allows potential buyers to visualize their own preferences in that space.

Of course, any room you design must be coordinated with the design of other rooms in your home. If your house has a contemporary, modern or traditional design, you will want the kitchen and bath to blend with that decor.

Some people use their kitchen to entertain guests. If that is your preference, include it in your floor plan. You might want to add a bar or table for entertaining.

Everyone wishes that they had more storage space, so be sure to build it into your design.

DÉCOR

Look for inspiration. Leaf through home design magazines to find appealing designs. Make notes on what you like most about each design scheme.

Also consider watching home design shows or looking on the internet. You can often find the most up-to-date information from those sources.

If you are redecorating to sell your home, keep in mind what future homeowners may enjoy. In the kitchen, consider using stainless steel appliances. They usually are easy to clean.

Neutral flooring is always a good option. These floor coverings consist of sustainable, lowmaintenance material. They are a good choice for any kitchen or

Experts suggest that you spend most of your money on countertops. It is often a focal point in any room.

Small accent pieces can also help boost your design. Pick unique pieces that display your personality.

BUDGET

Remodeling can be expensive. Experts recommend you spend up to 20 percent of your home’s value on remodeling the kitchen, and less than that on remodeling the bath.

You can save money by adding a coat of fresh paint to your current kitchen cabinets or installing energy efficient appliances. Leave some room in your budget to hire a professional to do electrical and plumbing work, along with other chores you are uncomfortable with doing yourself. It will save you money in the long run.

LIFETIME WARRANTY

Lastly, you may want to ask if a company offers a Lifetime Warranty on BOTH the product and the installation. The most reputable Bathroom Remodeling companies will offer a Lifetime Warranty for both, as does Zintex Remodeling Group.

HOW TO PICK OUT A NEW GARAGE DOOR

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

As garage doors age, they can also become creaky from years, sometimes decades of use, making them difficult to open and close. If your garage faces the front of the house, a new door could dramatically improve your curb appeal and change the overall look of your home. If you’re selling, worn, dated doors tend to say a lot about the condition of the rest of the home.

A garage door is also an excellent security asset for your home, allowing you to secure your vehicle inside. If you’re thinking about installing a new garage door, you may be surprised at just how many options are on the market — and how affordably they can be installed.

THE LOOK

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

to simple sheet metal styles, think again.

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

You should also pay close attention to the materials. Today’s garage doors can be made from expensive hardwoods, textured vinyl, fiberglass or basic aluminum, all of which will have a big impact on the look and longevity of your

doors. Pay close attention to the maintenance needs of whatever material you choose.

Some will hold their color longer than others, and real wood doors can require regular staining and sealing every few years to keep them looking spectacular.

INSULATION

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

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

R factor is a standard unit of measurement in the construction industry representing the thermal resistance in materials; it represents how much cold or heat is able to pass through. The higher the R factor, the better the insulation in a garage door, and the less you have to worry about regarding extreme temperatures!

HOW TO CHOOSE A CHIMNEY PROFESSIONAL

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

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

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

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

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

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

INSPECTION FREQUENCY

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

According to the National Fire Protection Agency’s standards,

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

“Chimneys, fireplaces and vents shall be inspected at least once a year for soundness, freedom from deposits and correct clearances. Cleaning, maintenance and repairs shall be done if necessary.”

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

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

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

WHAT TO LOOK FOR

Like any professional you have working in your home, chimney technicians should be experienced, knowledgeable, capable and great at serving their customers. Unfortunately, a professional with all those qualities isn’t always easy to find.

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

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

customers.

INSURANCE AND CREDENTIALS

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

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

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

America. Both have searchable databases that allow you to find and verify certified professionals in your area.

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

OTHER CONSIDERATIONS

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

If you notice anything unusual about your fireplace, such as smoke coming into the house, animals coming in, or leaking, you should call a professional to check it out. Fireplaces are wonderful amenities that keep our homes warm and cozy, but they can quickly turn dangerous if not properly maintained over time. If you haven’t had your chimney inspected recently, a good chimney professional will give you peace of mind.

HOW TO CHOOSE AN ELECTRICIAN

Flickering lights or an outlet that doesn’t work is a warning sign.

If you have an electrical problem at home, you need to get it fixed as quickly as possible. Faulty wiring can burn down your home. But don’t try to fix the problem without the help of a certified electrician. Attempting electrical repairs you

aren’t qualified to do can be deadly. Trained professionals can skillfully and safely make recommendations and options on how we can resolve any electrical problem you may have.

HOW

HERE’S WHAT TO LOOK FOR IN A GOOD ELECTRICIAN:

1. Don’t postpone a repair. Flickering lights or an outlet that doesn’t work is a warning sign. When you first suspect a problem, reach out to CWS electrical we have highly qualified electricians and HVAC professionals.

2. Any electrician who cannot provide references and a current license should not be considered. A reliable and experienced electrician will maintain a current license.

3. Ask for references from recently completed projects. A reputable electrician will understand and gladly comply

4. Check Facebook and Yelp for reviews. CWS electrical is rated 5 stars on these platforms as well as Google and the Better Business Bureau.

5. Get all estimates in writing. Read over the estimates to ensure that everything is covered, including a description of the job to be performed, total cost, time for completion, insurance coverage and clean-up. Ask about guarantees and warranties.

6. Don’t make a decision based solely on price. The electrical system in your home is far too important for you to choose simply by price.

7. If you are undecided, you can try a potential electrician by hiring them for a small project first.

Don’t end up with damages that could have been avoided by being repaired by a professional. We are professional and reputable.

Not only do we have our electrical side but we also provide air conditioning and heating and can handle any project big or small. We accept credit cards and have a few different ways to finance new A/C units.

CHOOSING A HOME INSPECTOR

member’s health is in question. Making the right choice for an attorney to review all the paperwork you will be signing to ensure it says what you think is very important.

Unless you are renting, you will also be purchasing a place to live. It may be your first home which can be overwhelming with all the unfamiliar activity surrounding a real estate transaction.

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

to make some of the significant connections you will be needing. Choosing a family practice physician to care for your family is near the top of the list; you need that go-to person when a family

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

many years to draw upon in providing your report.

Home inspecting is a full-time profession. The practitioner’s experience can be all that separates you from being a champion to the family for finding an incredible home to live in or the alternative of living a nightmare with costly repairs and sleepless nights wondering what happened.

Whether it’s a physician,

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

If you wait until you need one to start looking, you’re already behind the power curve; you are pressured to take the first one available, which may not be the best choice for your needs. So start now, or the

day you decide to purchase a home. Also, know what you need to ask. Remember, you are interviewing the home inspector; you are the employer; the home inspectors are the employee.

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

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

Established in 1978, Rinehart Real Estate Inspection Service performs over 3000 home & building inspections annually with three support staff and eight full-time inspectors holding over 85 licensures and certifications, including backflow certifications, new construction, commercial & residential building inspections. We also provide advanced inspection services, including TDA WDI Termite inspections, TDLR accessibility, VA & FHA compliance, energy audits, blower door & duct performance testing.

HOW TO CHOOSE A HEATING & AIR COMPANY (HVAC)

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

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

will last 10 years and constantly break down and Company B’s will last 20 years with no hiccups. The best contractors register the equipment for you to ensure you get the full 10 years of warranty. If your heat runs off Liquid Propane (L.P.) gas be sure that the contractor has been registered with the Railroad Commission of Texas, if they are not registered then it’s best to avoid the contractor as they do not legally have permission to install the system. Only a few local HVAC contractors are registered. Price should not be the most important factor when choosing

the right HVAC Company and here’s why: many times, the “low bidder” is going to leave out essential components in order to cut costs but these will certainly cost you much more over the long haul. An example, most systems that are being replaced are using R22 refrigerant which operates at about half of the pressure of the newer R410a refrigerant, this

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.

makes it highly important that the copper lines are changed while upgrading the system, you wouldn’t buy a brand new car and take the wheels off your 20 year old tradein to put on the new car. Other essentials that need to be tended to when installing new equipment is being sure that the PVC condensate line is changed, a new sub-floor is installed (on upflow/ closet applications), a new thermostat and a new condenser pad. High quality HVAC companies are fully licensed, bonded and insured. If a worker is injured or causes damage to your property, that insurance should cover it. It is a good idea to ask for a copy of their Certificate of Insurance to verify. Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include Air Conditioning Contractors of America (ACCA) & North American Technician Excellence (NATE). Membership in one

of these organizations is not automatic. Applicants are required to have and maintain certain certifications, and meet professional standards.

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

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

A brand new unit that isn’t charged correctly can take you

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

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

Is your HVAC company also an indoor air quality specialist?

There have been more advances in the last 10 years than the 50 years prior. With the right HVAC company you can be breathing fresh, clean air and greatly reduce allergens, VOC’s, viruses and bacteria in your home. We even have air cleaners that are proven to kill Covid-19. With these tips, you can choose a reliable HVAC business that will help you for years to come. If you are contemplating on purchasing a new system, there is no better time than now.

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

SEVEN STEPS IN THE HOMEBUYING PROCESS

6. PRE-CLOSING

STRENGTH. SERVICE. STABILITY.

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

1. PRE-APPROVAL FOR A MORTGAGE.

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

2. FIND YOUR DREAM HOME.

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

3. APPLY FOR YOUR MORTGAGE.

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

4. LOAN PROCESSING

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

5. LOAN UNDERWRITING

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

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

7. CLOSING

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

ABOUT SWBC MORTGAGE

A full-service mortgage lender headquartered in San Antonio since 1988, SWBC Mortgage opened its Killeen branch in 2009. Leslie Lovett and Jimmy Alexander, both Branch Co-Managers, who have over 50 years in combined mortgage lending experience, serve the residents of the Killeen, Temple, and Belton communities. SWBC Mortgage Corporation, NMLS #9741, check licensing at www.nmlsconsumeraccess. org. Loans subject to credit and property approval, restrictions and conditions may apply. Not all loan programs or loan amounts available in all areas. Programs and guidelines subject to change without notice. Corporate office: 9311 San Pedro Ave., Ste. 100, San Antonio, TX 78216. © 2022 SWBC. All rights reserved.

CHOOSING A GARDEN CENTER VERSUS A DEPARTMENT STORE PLANT SELLER

GET STARTED!

Whether you’re an experienced gardener or a novice, choosing plants and flowers for your home requires an expert for your landscaping and gardening projects. Our well-run and well-stocked garden center is filled with a variety of plants, flowers, seeds and gardening supplies. It should be a frequent stop for any gardener, so choosing wisely is the key to success.

But garden centers are more than just plant vendors. A good garden center will be staffed by knowledgeable people, plants, and supplies. It should also have landscaping experts who can advise you on the best type of plants for your garden. They can help you choose by understanding the specifics of what you’d like to achieve and how to help keep your garden healthy year-round. An independent garden center may not beat big box store prices, but their plants will be well taken care of and full of natives that are suitable to the region. You can also get personal attention from the staff if you need help.

ABOUT US

Because you’ll likely want to develop a relationship with a garden center, choosing the right outlet will help you get the most out of your garden.

At Grizzly’s Hidden Falls, we have

been in business since 2003 and have a wealth of knowledge and a caring staff that absolutely loves what they do.

Check out our website and social media to get an idea of what we have to offer. Our store and grounds are full of quality plants and products. The staff can provide sound advice and if they don’t know then the owner is ready to step in if more knowledge is needed. Remember, we are not only retailers but also experts in our field!

We offer hands-on training classes at times throughout the year and even host field trips for all ages. We have been trusted by local news over the years to help understand the challenges our weather can present, from the big freeze of 2021 to the effects of our extreme heat and drought.

SPREAD THE WORD!

Your friends and neighbors don’t always know about the independent garden centers, so it’s up to you to help them find us.

We specialize in native plants that thrive in our area as well as organic products that are important to protecting the planet that we call home.

You can stop by and visit just to get to know us and if you’re up to it, take a short walk along the pasture or the creek. Or even have lunch by

the pond and watch the wildlife.

TALK TO ONE OF OUR SALESPEOPLE!

Think of a problem you experienced in the past and ask them for a solution. They usually have an answer or they’ll find Ben, the owner, and he’ll have an answer. Being in business for 20 years we have seen and learned a lot. So, chances are good that we’ll be able to help you out.

It takes a lot of work to keep all these plants healthy and you’ll see the staff either watering, cleaning, or treating throughout the day.

Our greenhouse is full of succulents and tropical plants. It’s set up to stay somewhat cool during the summer and to keep things warm during the colder months

When shopping at our garden center, if you don’t understand the types of plants, you’re looking for, then we can help walk you through the process.

What’s stopping you from heading over to a destination, not just a garden center?

HOW TO CHOOSE A HARDWARE STORE

The home improvement industry has become big business over the years, resulting in the appearance of big box stores that offer an enormous variety of tools, paint, supplies, and even appliance, outdoor furniture and grills.

But these large stores can seem overwhelming and the service can sometimes be impersonal. Searching for a simple screw or latch can result in spending too much time wandering through cavernous spaces and aisles stacked to the ceiling. Too often, you forget what you came for.

The benefits of using a local hardware store begins with personalized customer service and extends to services many of the chain stores don’t always offer. They likely have, or can order, all the materials you need and you won’t have to wander cavernous aisles. You’ll also be contributing to a local business that benefits the local economy.

A quality hardware store will stock all the pieces, parts and products you need for most home-improvement projects, and a knowledgable, friendly staff that can offer help and advice is equally as important. Reliable customer service is also one of the factors that will help you choose between a local hardware store and a big-box retailer.

Here’s some factors to consider when choosing a local hardware store.

Consider smaller projects you have successfully completed and visit a few local stores. 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 various 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 can’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 isn’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 cluttered 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.

HOW TO CHOOSE A SOLAR ENERGY COMPANY

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

REPUTATION:

Reviews on Google, Facebook, and Solar Reviews are considered by many in the industry to be the “gold standard.” Many “Top 10” ads are simply clickbait ads to get you to input your name, then have your personal information sold to 3rd party “lead generation” companies. Get past these

misleading ads by going straight to the websites of solar companies and see if the names of key leaders is actually there for you to read and see.

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

a long-term proven track record. What is long-term these days?

Anything less than 5 years means the company might not have the track record to prove this viability to you.

THE SYSTEM

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

Electricity has actually had higher inflation than gasoline but many don’t notice it…until it’s time to renew their electric plan.

those differently-branded add-ons increase cost and potentially set up long-term reliability issues.

BATTERIES?

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

FINANCING OPTIONS

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

Solar loans typically offer lower interest rates than home equity lines of credit, without the need for complicated loan closings, fees, and reappraisals.

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

Leases used to be popular in some parts of the country but I think their time has passed since with a solar loan, you own the system and take

the 36% Federal tax credit (P.S. –this Tax Credit reduces to 22% next year!) plus, a solar lease makes it very complicated if you do decide to sell your home.

Solar is cheaper than utility grid electricity right now.

Solar energy – even with financing – equates to having electricity produced at about 11-cents per kilowatt hour on a typical system, Compare that with current retail electric plans where electricity is 16, 18, as high as 20-cents per kilowatt hour. Electricity has actually had higher inflation than gasoline but many don’t notice it…until it’s time to renew their electric plan. If you only filled up your gas tank once every two years, can you imagine that shock? That’s what you get today in Texas. Consider solar -it’s an amazing long-term investment that will protect you from energy inflation.

CHOOSING THE BEST DAYCARE FOR YOUR CHILD

In today’s busy world in which both parents often work, taking care of a young child can be challenging. Daycare centers off the solution, where your child will be supervised and nurtured in a structured environment by professional caregivers.

According to the American Academy of Pediatrics, all of a child’s early experiences, whether at home, in child care or in other preschool settings are educational, the AAP reports. When that care is consistent, supportive and geared to the child’s age, development and temperament, the association says, it increases the chances for a positive effect on children and families.

Of course, you also want to ensure your child is safe, the facility is clean and the staff experienced and attentive.

Choosing a center can be a daunting task, and there are many factors to consider — not the least of which is the quality of care versus the cost of that care.

HERE ARE A FEW THINGS TO CONSIDER: STAFF

The quality of a daycare rests on its employees. The staff must be

reliable and responsible. Request information on background checks of the staff.

Ask about the ratio of caregivers to children. Adults cannot do their jobs effectively if they have to care for 30 children at once with no extra assistance.

Good hygiene habits are a must. Sickness is easily spread among children and adults at a daycare. What types of hygiene and protocol do they have and use when dealing with germs or sick children?

Observe how the employees interact with children. They should communicate well and like kids. The best daycare employees do not play favorites. They spend equal

time with everyone and make every child feel important.

FACILITY

The facility should be in a safe and inviting environment. It should have bright colors and fun decor.

The lighting needs to be adequate. Inspect the bathrooms, dining areas and nap rooms. Everything should be decorated with children in mind. Look outside at the play areas. Are they well-maintained? Is there plenty of room for children to run around? Are the play equipment safe?

Every area should be designed with safety in mind. Look for locks on doors, sharp edges and dangerous objects that might be in a child’s reach.

ENTERTAINMENT AND ACTIVITIES

No child should be bored at a daycare. High-quality daycares offer activities to keep your child preoccupied throughout the day. Make sure they don’t only offer fun activities — it should be a learning center as well. A center that incorporates fun into learning is the best type of daycare.

Ask the director, Tracey Love a Greater Needs Learning Academy what kinds of activities are available for children. It should be a mixture of free play and structured activities. Crafts, music, stories and ageappropriate lessons will help your child grow.

DISCIPLINE

Discipline is important, but how that discipline administered is equally important to every parent. Ask the daycare how they deal with specific discipline issues. What are the consequences for undesirable behavior?

Also, if your child has difficulties with sharing, talk to them about how they might handle it. They should give you thoughtful answers. Ask for a copy of the daycare’s rules.

OTHER QUESTIONS

The daycare should have a stringent sickness policy. It will protect your child from catching viruses frequently. You don’t want to pay for a month of daycare only to have the child stay home because of illness.

The daycare should ask for a copy of the child’s vaccination records. Throughout your visit, look to see if your child seems genuinely interested and comfortable. How does he or she interact with the other children? If your child is shy, see how the teachers get timid kids to engage with others.

Observe how your child interacts with the teachers. How do they address your child during the visit? Does the daycare have toys and activities that interest him or her? If your child is of speaking age, you can ask directly for his opinion of the daycare.

Selecting Greater Needs Learning Academy is an important decision. Look at each option thoroughly before making a final decision. Follow your gut instinct. If you feel something is wrong at a particular facility, don’t be afraid of crossing them off your list. You can find another daycare that is more comfortable for you and your child. With a bit of close observation and intuition, you should have no trouble finding a suitable daycare for your child.

HOW TO CHOOSE A PET

you should carefully judge your capability to provide a pet with the love and nurturing they deserve. It’s also important to choose a pet compatible with your lifestyle, home and family.

A dog or cat is an immediate thought when thinking about pets, but unconventional or exotic pets also have much to offer.

If you’re thinking about getting a new pet, put some thought into it. After all, a pet will become a member of your family. Think ahead to find the perfect match for years to come.

HERE ARE SOME THINGS TO CONSIDER.

TIME COMMITMENT

of “cuddle time” with their humans, while others are OK with being left alone for periods of time.

The same thing applies to their health and grooming needs. Pet care could require just a few minutes every day or many hours, depending on your pet, so think long and hard about how much of your time you’re willing to devote to them.

NO WHIMS

Another mistake some pet buyers make is choosing their new pet on a whim.

This is a big decision, not to be taken lightly. That means you need to spend time educating yourself on all the positive and negative aspects of any animal you’re considering making a part of your family.

Not surprisingly, pet adoptions rose dramatically during the pandemic. As normally active people were forced to stay home many desired to unconditional love and companionship of a pet.

But choosing a pet is more than just a temporary commitment. Pets require a significant investment in time and finances. While some pets require less attention than others,

When choosing a new pet, one of the most important things to weigh is how much time you’ll have to groom and care for them. Be realistic when you think about this. There’s no such thing as a pet that doesn’t require care, but some are much easier to take care of than others. Just within the dog family, for example, there are a wide range of companionship needs. Some dog breeds are known for wanting lots

Finding a good, reputable pet store can help with this. The best ones will have in-depth knowledge about different kinds of pets — ideally with employees who love animals and have lots of firsthand experiences they can share about living with them day to day — so take your time and find people who can help you learn, not just sell you an animal.

YOUR HOME AND LIFE

The best pets will always

be a good fit for your lifestyle — including the place you live. Some pets require a large yard, pasture land and room for exercising. Others will be perfectly fine living in a corner of a tiny apartment. You should also consider your local climate and whether it’s a good fit for the animals because your area may be considerably hotter, colder, wetter or drier than the animals’ natural habitat.

The equipment, cages, tanks or toys can vary widely, too, so ask about all the extras your pet will require and think about how that can fit into your living space.

The age of your children can play a big role in the decision, too. Some pets will do well with children, while others require more caution and perhaps shouldn’t be owned by anyone with kids.

Again, a reputable pet store could help you make that decision.

LIFESPAN

Being a good pet owner means making a lifetime commitment to your pet. And that means thinking through how your life and needs could change in the coming years or even decades.

Mice and hamsters may have a lifespan of only a couple of years, which can be a good thing for pet owners — or perhaps children — who don’t want to make a decadeslong commitment.

The average dog or cat may live 10-15 years, though, which is a long time to plan for. It can impact not only your choices about where to live for the next decade-plus, but also mean finding care or boarding services for times you want to travel. And a few pets, like large birds and

tortoises, have lifespans that span many decades, meaning there’s a good chance they could outlive their middle-aged human owners. That might mean planning for their care in your own will.

Whatever type of pet you choose, you should know how long you’re going to be committed to caring for them. With a careful choice, you’ll have many years of loving companionship to experience in your own life.

HOW TO CHOOSE AN ATTORNEY

not injured. We understand this about insurance companies.”

They also understand that being involved in a legal matter is demanding on their clients, also.

Getting the Best Assistance in

Family Law

You don’t get to be one of the most preeminent law firms in the state overnight. Craig Carlson, an Army veteran, founded The Carlson Law Firm in Killeen in 1976 and, through the years, has expanded to 18 locations nationwide and growing!

The firm offers a spectrum of legal services, including personal injury, family law and criminal defense.

“In our more than 45-year history, we’ve become known for providing communities with exceptional legal representation and signature customer service,” Carlson said. “When a client reaches out to us, our legal staff stays with them every step of the way.”

Carlson said that the team of compassionate attorneys is dedicated to their clients.

“We’re here to serve the needs of the people in our communities because we firmly believe that their lives and the quality of their lives matter. We’re here to protect the constitutional rights of all Americans.”

The Carlson Law Firm is not afraid of taking a case to court.

“With a Carlson Law Firm lawyer, you’re getting a lawyer with trial experience,” he said.

Carlson said that when it comes to dealing with a legal matter, your choice of attorney can have real consequences.

“Legal matters can have lifelong negative effects on a person’s life; your lawyer makes a difference in remedying or mitigating those effects,” Carlson said. “It’s important to hire a lawyer who genuinely cares about you and ensures that your story is told.”

That can be especially important when doing battle with an insurance company.

“Insurance companies aim to devalue your story and you as a person,” Carlson said. “They use several tactics to try to prove you’re

“We’re there to provide the emotional and mental support needed to get through a claims process or court battle; we listen to you,” Carlson said. “We’re always available to answer questions and keep our clients updated on any new developments in their case.”

Regarding assistance in Family Law, navigating a divorce, child custody agreement or other family-centered court cases requires the help of a qualified and knowledgeable Family Law Lawyer.

In addition to the complexities

The choices you make in the early stages of your divorce or child custody disputes can affect your family’s entire life.

of the Texas family code, these types of cases carry a significant amount of emotion.

It is important that you have an attorney on your team who you feel comfortable with and who you can trust. The Carlson Law Firm has one of the leading family law departments in Texas who can meet the needs of families in the following counties:

• Bell

• Coryell

• Milam

• Lampasas

• Williamson

• Hays

• Travis

• Bastrop

• Burnet

Family law matters grow more complicated when you have assets or children. The choices you make in the early stages of your divorce or child custody disputes can affect your family’s entire life. The Carlson Law Firm’s family law department offers free consultations that can be conducted virtually, over the phone or in person. At The Carlson Law Firm, clients come first. From the moment you call, you will be shown The Carlson Difference. A family law lawyer that understands that divorce and other family disputes can take a significant emotional toll on you is vital.

A Carlson Law Firm lawyer is compassionate, caring and above all else, ready to help you using years of experience and knowledge.

The firm also gives back to the community throughCarlson Cares, the firm’s charitable program dedicated to improving lives.

From Carlson Christmas Miracle, annual Party With a Purpose events and staff

8 Tips for Hiring a Personal Injury Attorney

While we encourage you to hire an attorney as soon as possible after an injury, it’s also important that you do your research and hire the right attorney. Keep in mind the following best practices when selecting an attorney.

TRIAL EXPERIENCE

Finding a personal injury attorney is easy, however, finding a personal injury attorney with trial experience, not so much. Hiring a personal injury attorney with trial experience guarantees an accident victim will receive the verdict they deserve. This is because trial attorneys aren’t afraid to take a case to court. Attorneys who lack trial experience will be more likely to settle or will need to outsource to a

trial attorney. In order to maximize time and the compensation you receive, it’s best to hire an attorney with trial experience from the getgo.

RESOURCES

The experienced trial attorney you hire should work within a firm that has the means to take your case to trial should it come to that. Trials can be expensive and sometimes require expensive experts. It’s important to hire an attorney who will spare no expense in telling your story and proving your case in a courtroom.

PROVEN SUCCESS

Hiring an attorney with a successful track record increases your chances of a favorable recovery. While it may be tempting to cut an attorney out of the process altogether, it’s important to recognize that attorneys have experience in dealing with insurance companies day in and day out.

FOCUSED PRACTICE

When hiring a personal injury attorney, you want to hire an attorney that only handles personal injury. There are some lawyers who try to do everything. While it’s OK to hire a firm that has several different departments,

it’s important that you research the attorney you hire. Qualified personal injury attorneys have extensive bios that detail their experience and success in their field.

REPRESENTS ONLY PERSONAL INJURY VICTIMS

There are some firms that represent both victims and the insurance companies responsible for paying out claims. However, it’s important that you choose a firm that doesn’t have these kinds of conflicts. To ensure that you are receiving the best possible legal representation, the attorney-client relationship should not have any factors that might influence the way you’re represented.

TESTIMONIALS / REPUTATION

Ask your friends and family for attorney recommendations. These personal connections can direct you to a compassionate and caring attorney.

CONTINGENCY

Many people avoid meeting with an attorney because they are afraid of the costs. However, a good personal injury attorney will take your case with no upfront charges. At The Carlson Law Firm, they don’t get paid unless they successfully resolve your case.

DISCIPLINARY RECORD

Attorneys can be disciplined for various reasons. Anything from failing to pay their bar dues to gross ethical violations such as non-payment of child support can result in disciplinary actions. It’s important when you hire an attorney that you understand any disciplinary actions as well as whether or not they’re eligible to practice law in your state. It’s totally fair to ask about any disciplinary actions during a consultation. Sit down for your consultation Ideally, sitting down to meet with an attorney in person at their office is the best way to figure out if this is the professional you want to represent you. Don’t be afraid to go into the meeting with questions about their experience, education, memberships and trial history. Your consultation is a time to tell your story and get your potential attorney’s feedback on your case. This is the best way to decide whether or not this is the right personal injury lawyer for you.

In addition, your consultation is the best time to review all of the paperwork the attorney wants you to sign. Make sure that you fully understand what you are signing on to. During the consultation, it’s important that you leave the attorney’s office with some knowledge on the following:

• What you can expect from start to finish

• Your attorney’s fees

• Information, evidence or

documents you’ll need to gather

• A timeline of how long your case will take

• The danger posting to social media poses to your case

• How long you have to file a lawsuit

• The process involved in filing a lawsuit

• The kind of representation your attorney can provide

THE CARLSON LAW FIRM EXPERIENCE

You want to hire an attorney that you feel comfortable with. The compassionate attorneys at The Carlson Law Firm are ready to answer all of your questions in order to meet your legal needs.

The Carlson Law Firm is a nationally recognized personal injury law firm. They strive to be the premier law firm in the country through excellent customer service and world-class legal representation. Their personal injury attorneys will provide you with updates about your situation every step of the way and provide a level of representation that has been recognized by legal organizations as well as clients. The Carlson Law Firm has board-certified attorneys that provide the kind of comprehensive support you need as you navigate the American legal system. The Carlson Law Firm has a staff of more than 40 attorneys and 150 staff, giving each case the individual attention it deserves and there to provide the support you need.

HOW TO CHOOSE AN INSURANCE AGENT

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

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

Insurance guarantees you peace of mind and protection, so choosing the right insurance company is a worthwhile investment of your time. But unless you know what you’re looking for in an insurance provider, you

shouldn’t pick a company based on their marketing hype alone. Premiums from company to company can vary widely, as can the type of coverage they offer. So, before you purchase a plan, you need to understand exactly what type of insurance you’re buying and how it will affect your bottom line.

KNOW YOUR POLICY

You will have to take a look at the fine details and figures for each policy. If you are in the beginning of this process, insurance representatives should act more like teachers instead of salespeople. Your choices may be complicated,

A good rating means the company can make a payout in the event of a catastrophic event.

with a range of pricing options, deductibles and exclusions. A good company will give you choices, explain them clearly and let you make up your own mind.

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

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

CUSTOMER SERVICE

Customer service always plays a key role in determining which

company is best. If you’ve had friends or family who have filed insurance claims previously, ask them about their experiences.

Some insurance companies have better reputations than others. Gathering all of these experiences will give you a good idea of how you might be treated.

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

Many insurance companies, however, use a combination of these methods. They might give

you 24-hour access to national representatives along with a local advisor.

FINANCIAL STRENGTH

An insurance company is only as strong as its balance sheet. Financial strength is especially important these days.

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

While your insurance premiums are an important factor, it is just one piece of a complicated puzzle. Choose a company that will not only give you a fair price, but who will also be prompt and courteous in the event you have to file a claim. The right insurance company will treat you well at every level of interaction, provide quality coverage, and pay out in a timely manner should there be an accident.

HOW TO CHOOSE AN INSURANCE AGENCY

These days, there are tons of insurance companies desperately trying to win your business with catchy jingles and flashy television commercials.

But unless you know what you’re looking for in an insurance provider, you shouldn’t pick a company based on their marketing hype alone. Premiums from company to company can vary widely, as can the type of coverage they offer. So, before you purchase a plan, you need to understand exactly what type of insurance you’re buying and how it will affect your bottom line.

KNOW YOUR POLICY

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

If a premium seems unusually low, it might have a higher deductible or more limitations.

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

CUSTOMER

Customer service always plays a key role in determining which

company is best. If you’ve had friends or family who have filed insurance claims previously, ask them about their experiences. Some insurance companies have better reputations than others. Gathering all of these experiences will give you a good idea of how you might be treated by them. Each company has a different

you 24-hour access to national representatives along with a local advisor.

FINANCIAL STRENGTH

An insurance company is only as strong as its balance sheet. Financial strength is especially important these days.

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

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

Many insurance companies; however, use a combination of these methods. They might give

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

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

Choose a company that will not only give you a fair price, but who will also be prompt and courteous in the event you have to file a claim.

HOW TO CHOOSE A TRAVEL AGENT

1. CHOOSE A AGENCY THAT HAS A BUILDING AND A OFFICE YOU GET PHYSICALLY GO TO

When traveling for business or pleasure searching the web is not always a time saver or a money saver due to hidden fees. The amount of internet sites have doubled and the rules and policies change daily.

2. CHOOSE AN AGENCY YOU CAN BUILD A RELATIONSHIP WITH

The agency will know your likes,

dislikes, seating arrangement and other details about the traveler. Travelers lose out on great deals because they don’t know the inside information that great travel agents possess.

Certified travel professionals have an edge over the digital world. They work for you to ensure you’ve got the best deal and back up their bookings with personal service that can’t be achieved when booking online by yourself.

3. CHOOSE A FULL SERVICE AGENCY

Travel agents are professionals who know every trick in the book when it comes to ensuring a trip will go smoothly. For a fee, these agents will plan every aspect of

your trip, leaving it up to you only to relax. Best of all, if something goes wrong your agent will be a phone call away with a fix.

WHAT TO KNOW

Certified Travel Professional

Eleven states require travel agents to be state-licensed. Many of these states only require the agency to have a license and pay a fee. These stipulations offer no real protection for travelers. There are some other ways you can discover if a travel agent is not certified , does not have the knowledge or if they are honest. First of all, find out if the agency is a member of the(ASTA) American Society of Travel Agents or the Association of (ARTA) Retail Travel Agents. Then, ask if the agent is a member of a

travel consortium. Members of a consortium have strong negotiating power and will often have access to better travel deals.

CONTACT AND AVAILABILITY

Of course, a travel agency should have emergency contact information that is good 24-hours a day, seven days a week.Agency member will have a 24 hour number or simply give you the agent cell phone numbers. If you plan on traveling internationally, choose an agency that allows you to contact them if problems arise.

It is usually best to work with only one agency . Once you are in the system all agents in the office can help you at any time

SPECIALIZED TRAVEL

All agents have specialized expertees. Anyone traveling overseas should have up-to-theminute information about political conditions. Good agents provide their clients with such information. Many specialized vacations require specific knowledge and reputable vendors. Good travel agents will provide plenty of options. They will also have information about travel warnings from the U.S. State Department.

Cruise passengers can also receive great deals when using a travel agent.

SELECT A TRAVEL AGENT THAT HAS CONTROL OF YOUR TRAVEL RECORDS

At home agencies: Expedia, Booking.com, Priceline, Travelocity, Orbits  are what you can call point and click groups and one one specifically owns your travel records.

If you call with a problem or to make changes they will refer you to the airline or the hotel booked but you gave your money to them.

Travel agencies own your records and work for you to make changes, upgrades and corrections. You only make one call to the agency and they take care of the rest.

Casa Blanca Travel Agency  wants you to have the best trip possible, we recommend always checking with us 24-48  hours prior to any trip to verify itinerary changes that may have occurred. We have many other perks that we offer the traveler.

But no matter what kind of travel you are doing, a skilled travel agent will have access to information about safety standards and industry reputations. They can help you steer clear of fraudulent vendors and scams.

Whether you are planning a relaxing vacation or an adventurous escape, your time away can be an amazing experience. Talented travel agents can provide needed guidance and support. They will take care of the details so you can kick back and enjoy your time away.

IF SOUNDS TOO GOOD TO BE TRUE IT IS USUALLY NOT TRUE.

Travel credit card fraud by far is the largest. Choose an agency that is bonded and has letters of credit at a bank or holding companies.

THE CRUISE INDUSTRY HAS GONE AUTOMATED

Since covid the cruise industry is trying to get passengers to complete what the Travel agent was completing in the past. They have quickly forgotten that passengers don’t know the language of the cruise lines.

FEEL SAFE

Call Casa Blanca Great Escapes travel for more information. Advice is always free  254-526-5555 or

KANGAROO RICKS EXPLAINS:

CHOOSING A PARTY RENTAL CO.

Hosting a party can be an exciting prospect, but the details and logistics can be exhausting and overwhelming. Sending invitations to tracking the guest list,  planning food, decorations and entertainment is often just the beginning of a long list of to-dos for the would-be party planner. So why not enlist help from businesses such as Kangaroo Ricks?

Whether it’s a shindig for dozens of guests or a happy afternoon for neighborhood kids. A party rental company can assist in making your event a success. They can provide everything from seating and tents to cutlery and entertainment assets. For kids’ parties, they’re also an excellent place to inquire about inflatable bounce houses

and other fun activities for rent. One important thing to recognize is not all rental companies are the same.  For example, most may not offer everything you need, however, they should direct you to other rental companies in your area? No matter your needs, you’ll want to pick a rental business with a devotion to excellent customer

service and most importantly a devotion to your party and your family. After all, you don’t need to add to the stress of dealing with spotty service..  Yet Googling “party rental service” can be overwhelming itself, so knowing what to look for can make the process trouble-free.

CONSIDER WHEN SEARCHING FOR A PARTY RENTAL COMPANY:

SELECTION AND QUALITY:

Not all rental companies are equal in magnitude.  Some have been in business for a year while others for 10+ years. The most important advice we can give is “If the company doesn’t have what you need, did they direct you to another business that does?” The bottom line is we all want our customers to have a successful and stress-free event. The variance between party rental businesses is that they don’t have everything. The products they provide vary both in quantities to choose from to the quality of their offerings.

Some rental companies place their emphasis on one event; such as weddings, children’s birthday parties or corporate events. This is visible from the supplies they offer for rent to the variety of styles you must choose from.

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

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

ADVICE AND EXPERTISE:

Consider how experienced the company’s Owner and Staff are in the event planning industry. Let’s be honest, party rental businesses are

not always event planners.

Seasoned professionals are typically more experienced than newcomers because they can think of potential questions to ask and can anticipate problems that may arise. They’ve been around the block, so to speak.

The best rental companies will have the personnel with the kind of expertise that will aid you in executing the perfect party.  They’ll listen closely to your needs and find ways to make your event run as smoothly and stress-free as possible.

PROFESSIONALISM:

Unfortunately, not all-party rental companies are run by true professionals. The best ones, though, make their quality obvious by the level of service they provide. Although Kangaroo Ricks is a young company, they have set some high standards to follow. Kangaroo Ricks provides great customer service and demonstrates this by

thinking of their young customers by providing a gift when you rent a bounce house from them.  Because planning a party involves lots of communication, coordination, and detailed work, you need to find a rental company that responds quickly and professionally to your requests. Does a real person answer the phones? If you leave a voicemail, do they respond promptly? Do they reply to your e-mails quickly and clearly? All these things can help point you in the right direction, so you’ll know what to expect when you work with them to plan your event.

With Kangaroo Rick’s you can book up to 1 year in advance and make payments which makes your party event affordable. Kangaroo Ricks looks forward to providing you excellent service!  Follow Kangaroo Ricks on Facebook and Instagram for all your party needs and be on the lookout for future raffles and giveaways.