2024 How-To Guide

HOW TO CHOOSE A BANK

You might not recall when you last visited a bank. In our increasingly cashless society, the act of conducting your routine financial business in person is largely unnecessary. Most Americans today complete their transactions online or through apps, making even drive-thru tellers and ATMs almost a thing of the past.

While the internet has made banking easy and convenient, choosing the right bank is still among your most important financial decisions — whether or not you ever step foot in one again. If you haven’t had to choose a bank recently, you’ll find that even in the digital age the array of financial institutions vying for your business is broader than ever.

Which sort of bank you choose — a “name” institution, credit union or the new-money, internet bank — reflects your financial needs and how you

wish to deposit and manage your hard-earned pay. No matter where or how you access your money, choosing the right bank to serve your needs still requires close scrutiny. Here are a few things to consider.

INTEREST RATES

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

Use online resources and shop around for the best rates in your area.

FEES

Banks are also notorious for charging fees for certain transactions. A checking account may only allow a certain number of checks to be written each month before a fee is assessed, or maybe a minimum balance is required to keep the account active.

Some banks offer free checking. But you should make sure that the free checking is really free. There may be stipulations such as being required to keep a minimum balance in the account at all times.

Look at a fee schedule to determine if it is acceptable to you.

CONVENIENCE

Banks with multiple locations in convenient areas are important.

If you travel frequently, make sure your local or regional financial institution is a member of a national network. Some banks offer free ATM fees at another bank’s ATM.

Also, ask about their online banking policies. Is the bank’s website easy to navigate and secure? Online banking can be a great way to pay bills and transfer money between accounts.

OVERDRAFT SAFEGUARDS

We all make mistakes. Accidental overdrafts happen occasionally. Each financial institution has a different policy about these matters.

Many banks offer overdraft coverage in the form of a high-interest credit line. Other banks charge fees each time an overdraft occurs. Other banks provide no coverage. Be sure to research overdraft policies before making a final decision.

STABILITY

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

number of accounts held by a customer. If you understand these safeguards, your money will be safe in a bank. But failures are still possible. Still, a solid bank will limit exposure to toxic assets that put its balance sheet at risk.

SERVICES

Most banks offer a variety of services. Whether you need to get a loan or open a checking account, choose a bank that fulfills your needs with the fewest fees. It should offer the maximum conveniences possible.

Careful and vigilant shoppers will have positive experiences by making an effort to choose a trustworthy commercial bank.

ABOUT SOUTHSTAR BANK

SouthStar Bank, S.S.B. (headquartered in Moulton, TX) specializes in residential mortgage, real estate, and construction lending, operating 16 full-service branches across the Central Texas region. Established in 1920, the bank holds over $1 billion in assets and focuses on community involvement and personal relationships. Decisions are made locally, allowing the flexibility to apply common-sense standards to products, services and loan requests.

In addition to lending and traditional financial services, SouthStar Bank brings the latest conveniences to its clients, including online banking and mobile banking with check capture, debit cards with CardValet so you’re always in control, and a free worldwide Allpoint ATM network.

SouthStar Bank is one of the largest independent banks in Texas and holds an

impressive 5-Star rating by Bauer Financial. While we continually strive to offer the very best in service, convenience and security, our founding commitment remains the same: To provide friendly, flexible, common-sense financial services where we live and work – Texas Style!

HOW TO CHOOSE A FUNERAL HOME

After the death of a loved one, choosing a funeral home for services and memorials prior to burial is the next step in honoring a life. Sometimes it can be a hasty decision made during a confusing time. But it’s worth the time and effort to survey funeral homes in your area and take account of the services and prices before making a selection.

People often select a funeral home because it’s nearby or has been recommended by someone they trust. But by limiting the search to just one funeral home, you may risk paying more than necessary for the funeral and any additional goods or services offered.

Here are some tips to help make choosing the right funeral home less stressful.

COMPARE PRICES

If you have had to make funeral arrangements in the past, you may be tempted to just go with the funeral home you have experience with. While this may be a smart option for some people, it’s not always the right option.

Depending on how long it’s been since you needed to make funeral arrangements for a loved one, the price of that particular funeral home may have gone up. That’s why it is wise to shop around and compare the prices of the various funeral homes in your community.

ASK FOR RECOMMENDATIONS

Even if you have never had to choose a funeral home in the past, you may have a friend or two who has. Ask these friends if they would recommend the services provided at the funeral homes they have used. They may be able to share valuable information about the staff, facility and prices of a specific funeral home.

ASK ABOUT PACKAGES

Whether your deceased loved one had a specific list for their final wishes or you have to make these decisions for yourself, it is important that you ask a potential funeral home what types of packages they offer.

You will find that not all funeral homes are created equal, and each offers their own different ways of handling a service. No matter what type of requirements you have, it is best to choose a funeral home that will cater to your specific needs in order to make this difficult situation a little less daunting.

CARING STAFF

When visiting a potential funeral home, the funeral director can be a major deciding factor when you choose whether or not to use this particular company to handle the funeral of your loved one.

A caring and professional funeral director and staff will take the time to explain all your options in an empathetic way so you can make a better choice when choosing a funeral home.

If the director seems short or uninterested in your needs or makes you feel like you and your deceased loved one aren’t important, you won’t want to choose this facility to handle the funeral of your loved one.

While dealing with the death of a loved one is hard, choosing the right funeral home can help relieve you of some stress.

If you want your loved one to receive the proper funeral he or she deserves, following the above listed tips should help you make the right choice.

FINDING THE RIGHT CHURCH

No one knows exactly how many different church denominations exist, but everyone agrees they number in the tens of thousands. And within some of the larger denominations are different subgroups. If you don’t already belong to a church, finding your ideal fit can be a daunting task.

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.

Pray to God for guidance while you look for a church. Then determine what setting is important to you. Are you looking for a less-formal, more modern church with energetic sermons? Do you need an intimate community or a mega-church?

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 non-denominational church?

Once you understand your needs, conduct some research. Look in your local newspaper, Yellow pages, 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 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 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 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.

SELECTING A CHARTER SCHOOL

Many parents choose to enroll their children in a charter school because they are known for the high standards they set. In an environment of smaller class sizes, high expectations and academic rigor, students are more engaged. Statistics often show charter schools achieve above-average levels of success and higher college-enrollment rates.

Many parents look past traditional public schools to charter schools to fulfill these educational needs and to prepare their children for the rigors of higher education.

Here are some things to consider if you’re shopping charter schools for your children.

VALUES

One of the reasons to send your children to a charter school is to reinforce a set of values — both from the educators and faculty members who teach them and from the other students your child will be growing up with. Shared values can be a powerful thing.

That means the first step is finding a charter school that values the same things you do.

You’ll want to know whether the school is associated with a certain instructional program model (i.e. STEM, Project-Based, Leadership, Credit Recovery, etc.)

Keep in mind that values cannot be judged by written statements alone. Look at the way the school’s employees and students operate in the

classrooms — including the school’s reputation in the community — to make your decision.

STAFF

Charter schools can vary widely in the staff they employ. Some have credential requirements requiring state certificaton; others have looser requirements for education and training.

If it’s important to you, you should ask about the teaching staff’s credentials. Know where they went to college and what degrees they hold, along with whether they have any certificates and ongoing training on the courses they teach. Again, the school’s reputation will tell you a lot — perhaps even more than paper credentials ever will — so ask around to see what people in your community think of the school’s teachers and administrators.

STUDENTS

Before you pick a charter school, you should plan on making at least one in-person visit for a day. Sit in on a few classes and watch how the

students behave and how the school’s staff deals with any discipline problems.

Parents of current or former students should be able to give you the inside scoop about any concerns that exist among the student population, so ask around. No school has perfect students, obviously, but some do a better job dealing with problems than others.

Whether the school uses a strict disciplinarian approach or a more laid-back style, you should be confident that your child will be in a safe, comfortable learning environment at all times. Watching how the students interact during and after school can give you some insights about it.

THE OPPORTUNITIES

If you’re thinking about sending your child to a charter school, chances are it’s ultimately to give them more opportunities in life.

The specific school you pick can have big implications on which opportunities will open up to your child later in life, from college entrance to extracurricular activities such as music and sports.

Ask if the school has any data about the

percentage of its students that are accepted into college. Some charter schools have a long track record of preparing students for prestigious universities later in life.

You should also pay close attention to both the extracurricular activities that are available now and the ones that will be available in the future. Your third-grade child may not think much about athletics right now, for example, but a soccer, football or basketball team could become very important to them as they get older. A charter school that offers a lot of well-run extracurricular activities will open up more options for your child in the middle-school and high-school years. By looking closely at the values, staff, students and opportunities that are offered, the choice for your child’s education should become clear.

HOW TO CHOOSE A COMMUNITY COLLEGE

Community colleges are the backbone of higher education in the United States. These two-year institutions provide a bridge to fouryear colleges and institutions and satisfy basic requirements at a much lower tuition before offering the opportunity to transfer to a college and university.

In many cases, community colleges maintain partnerships with a university so you could earn a bachelor’s degree right on campus. For students with family responsibilities, full-time jobs or other obligations, community colleges can be a godsend. Some find the associate’s degree offered by community colleges sufficient to pursue their careers.

But don’t make the mistake that one community college is like the next. Location, tuition costs, courses and ease of scheduling are all factors to keep in mind when choosing a community college.

Research all the colleges in your area. The ideal community college should be no more than 30 minutes away and accessible by car or public transportation. You’ll be more likely to attend classes if it doesn’t take hours to get there. Typically, there is no or very limited on-campus living.

Cost is always a major factor. Many community

colleges have two levels of tuition: one for in-area residents and one for out-of-area residents. If you live in the same county as the community college, you can expect to pay a third to half of what others pay.

There might also be financial assistance available. Local businesses concentrate their resources on their local community colleges. They might provide scholarships for students. State and federal grants and loans can also help defray the costs of higher education.

Courses are another consideration when choosing a community college. Make sure your community college is accredited or has a cooperative partnership with local or state universities so your credits are transferrable.

If you find several community colleges offer your choice of major, research their internship program and reputation. Do they have employment statistics? Choosing a college with a higher employment rate could benefit you after graduation.

Most community colleges post their class schedules online or include a flyer with the local newspaper. You can also pick up a course catalogue from the college itself.

Review their offerings. If you need to take

classes in the late evening, are there enough available to make it worth attending that college? What about distance learning opportunities? Many colleges let students earn certificates or degrees completely online.

Non-traditional students may need a more flexible schedule. Classes may be offered several days of the week, in the morning or evening. Many colleges have weekend classes.

Students who need to graduate quickly may take accelerated programs. You might simply need to earn a certification for a current or future job. Community colleges offer these programs as well. Be sure to ask your employer about tuition reimbursement.

Consider your lifestyle and personal requirements when choosing a community college. It is likely that a community college in your area will fit your needs and get you on your way to that promotion, new job or just updated skills.

HOW TO FIND AN ORTHODONTIST

Are you looking for an orthodontist who can treat patients of all ages, starting as early as age 7? Look no further than Smile Doctors Orthodontics, where our experienced team of orthodontists, Dr. Adcox and Dr. Diggs, are dedicated to providing top-quality care for patients of all ages.

CREDENTIALS AND EXPERIENCE

Dr. Adcox and Dr. Diggs at Smile Doctors Orthodontics are board-certified orthodontists with years of experience in the field. You can trust that you will receive personalized care from knowledgeable professionals who are committed to

helping you achieve a healthy, straight smile.

SERVICES OFFERED

At Smile Doctors Orthodontics, we offer a comprehensive range of services to meet the diverse needs of our patients. Whether you're looking for early orthodontic treatment for your child or adult orthodontic treatment for yourself, our team has the expertise and experience to provide the care you need.

TECHNOLOGY AND TECHNIQUES

Our practice is proud to offer the latest in

orthodontic technology, including our Smile Doctors Anywhere app. This innovative technology allows you to track your treatment progress, communicate with your orthodontist, and access resources to support your orthodontic journey.

As a diamond provider for Invisalign aligners, Smile Doctors Orthodontics is dedicated to providing the highest level of care and expertise in orthodontic treatment. Contact us today to schedule a consultation with Dr. Adcox or Dr. Diggs and take the first step towards achieving a beautiful, healthy smile for you or your child.

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 THE RIGHT DENTIST WITH COAST DENTAL KILLEEN

From the early days of learning oral care habits like brushing and flossing, we understand the importance of maintaining a routine to keep our teeth clean. As we advance into adulthood, it's crucial to continue these practices and include regular visits to a reputable dental office to ensure our oral health remains at its best. That means making some decisions on who to trust with your smile. By following the steps in this guide, we hope to make the process of choosing the right dentist as easy as brushing your teeth!

CONSIDER CONVENIENCE

The golden rule is “Location, location, location”. Select a dental office that is conveniently located and offers hours that fit your schedule. Coast Dental Killeen, located at 2301 S Clear Creek Rd, Ste 106, is nestled between Killeen Regional Airport (GRK) and Fort Cavazos. This provides easy access for those living or working in the area. Office hours are from 8:30 AM to 5:00 PM, ensuring that you can reach your appointments without any hassle.

GATHER RECOMMENDATIONS

Ask friends, family, and colleagues for recommendations. Personal experiences can lead you to a reliable dentist. Given its reputable services, you may find that many people you know recommend Coast Dental Killeen. Online reviews are also a powerful tool. Coast Dental Killeen has an average rating of 4.5/5 stars on Google, based on over 400 reviews from patients.

RESEARCH POTENTIAL DENTISTS

Visit the websites of the dentists you are considering. Look for detailed information about their team, services, and patient care philosophy. Coast Dental Killeen’s website (www.coastdental. com) offers comprehensive insights into their approach and specialties, helping you make an informed decision. Each dentist also has a personal biography and photo so you can get to know your provider before your first visit.

CHECK FOR PROMOTIONS AND DISCOUNTS

Look for any special offers that can make dental care more affordable. Offers can be found in advertisements, on the dentist’s website, or even their social media pages. Coast Dental Killeen often features promotions, underscoring their commitment to accessible dental care. Additionally, Coast Dental Killeen offers affordable financing options for those that need a little extra help paying for dental care, and a dental savings program called SmilePlus for those without dental insurance.

CONFIRM SERVICES OFFERED

Make sure the dental office offers a wide range of services and accommodates emergency scenarios. It’s important that they accept your dental insurance and offer transparent payment options. Coast Dental Killeen covers these bases, providing a comprehensive range of services and complete transparency in billing. Treatment plans are customized for every patient and are agreed upon before any work begins. This allows you to be in control of your smile journey from the start.

VISIT THE OFFICE

Schedule a visit to your chosen dental office to meet the staff and dentists. This visit can help you assess the cleanliness of the facility, the friendliness of the staff, and the dentist's approach to patient care. At Coast Dental Killeen, you’ll find a professional environment and a team eager to address your dental concerns all in a comfortable, modern setting.

ASSESS THE COMFORT LEVEL

Choose a dentist who puts you at ease and shows empathy, especially if you have dental anxieties. The gentle approach at Coast Dental Killeen ensures that patients have a comfortable and non-threatening experience.

MAKE YOUR DECISION

After completing the above steps, you should feel equipped to make a well-informed decision. If all criteria are met and you feel comfortable with the environment and staff, you can confidently choose the best dentist for your oral health care needs. If you feel that Coast Dental Killeen may be the right choice for you, you can book an appointment by calling (877) 880-1212 or online at coastdental.com/appointment-request.

Big City Medicine Small Town Care

Choosing a hospital is an important decision that can impact the quality of care you receive. Not all hospitals are created equal, and there are questions to consider while choosing which hospital is right for you.

WHAT KIND OF CARE DO YOU NEED?

It’s important to choose a hospital with extensive experience in treating your condition. As a starting point, ask your primary care physician for recommendations based on your health condition. When you ask preliminary questions, your physician will provide insight to guide your search for a hospital.

WHAT’S THEIR TRACK RECORD FOR TREATING PATIENTS WITH YOUR CONDITION?

We live in a world heavily shaped by consumer reviews, but patient online reviews should be balanced with accreditation and certifications. Research the hospital’s reputation through online reviews, patient testimonials and ratings. Medicare.gov allows you to search for and compare hospitals based on location, specialty

care categories, average ratings based on patient surveys and several other factors. Investigate the hospital’s quality metrics, such as infection rates, readmission rates, and patient outcomes.

Look for hospitals that participate in quality improvement programs. Ensure the hospital is accredited by a recognized body, such as The Joint Commission in the U.S. Ask friends, family, neighbors or colleagues for their experiences and suggestions, and look for specialty certifications relevant to your medical needs.

IS THE HOSPITAL AN IN-NETWORK PROVIDER?

It is always important to verify what services and treatments your insurance plan covers and ensure the hospital is within your insurance network to avoid high out-of-pocket costs.

Depending on the hospital, insurance companies may pay a portion of the cost of services from a preferred provider. While researching hospitals, note which hospitals are providers within your network. If you choose a hospital outside of your

network, you run the risk of incurring significant charges. However, if the best hospital to treat your condition is outside your network, preserving your health may outweigh these costs.

DOES YOUR PREFERRED PHYSICIAN HAVE PRIVILEGES AT SAID HOSPITAL?

If you have a specific physician in mind, ensure he or she has privileges at your chosen facility. Privileging for physicians typically falls into three categories:

• Admitting privilege allows a physician to admit a patient to a hospital

• Courtesy privilege allows a physician to occasionally treat or admit patients to a hospital

• Surgical privilege allows a physician to perform outpatient or operating room surgery at said hospital

Depending on your healthcare needs and preferences, ask your desired physician about their privileges at the hospital you’re considering.

DOES THE HOSPITAL HAVE EASE OF ACCESS AND ANY AMENITIES YOU NEED?

Before you go, be sure to check access to the hospital’s facilities, including parking availability, private rooms, family accommodations, and support services.

Consider the hospital’s proximity to your home or workplace for convenience. If taking off work for medical appointments is an inconvenience, you should take that into consideration.

When you’re not feeling well, your instinct may be to head to the nearest hospital. If you’re experiencing a life-threatening emergency, proximity is key. However, in less timesensitive scenarios, it’s wise to conduct research and weigh your options before deciding on a hospital. Asking these questions while searching for a hospital can help you make an informed decision about which hospital will best meet your healthcare needs.

AND RAPPLY LOTS OF SUNSCREEN.

3. WEAR LIGHT, LOOSE-FITTING CLOTING.

4. STAY COOL INDOORS. MOVING TO AN AIRCONDITIONED LOCATION OR TAKING A COLD SHOWER ARE MORE EFFECTIVE THAN USING AN ELECTRIC FAN.

5. DO NOT LEAVE CHILDREN OR ANIMALS IN VEHICLES, EVEN IF A WINDOW IS CRACKED OPEN.

1. DRINK PLENTY OF FUIDS.

2. WEAR

HOW TO FIND A CHIROPRACTOR

Chiropractic Care has become a staple for those who are looking to reduce pain, feel and function better, and want better overall health. For over 120 years, chiropractors have focused on adjusting the individual bones of the spine due to its impact on the nervous system. Misalignments, resulting from various forms of stress, can obstruct the nerves passing through the spinal canal and disrupt the communication between the brain and the body. This communication disruption impacts your health as every cell, tissue and organ requires direction via the nervous system for proper function.

Common signs of spinal misalignment include loss of mobility, neck pain, back pain, headaches & migraines, sciatica, extremity pain and numbness & tingling to the arms and legs.

When finding a chiropractor, here are some important points to consider….

THOROUGH

A thorough chiropractor will start with a consultation with a new patient discussing their current complaints and medical history. Based on this discussion, if the doctor thinks that the patient

will be a good candidate for care, an exam and necessary X-rays should be performed. This valuable information will help determine a correct diagnosis, plan for care and prognosis that is specific to the patient. A thorough chiropractor also offers supportive therapies such as spinal decompression, muscle stimulation, intersegmental traction, cold laser and therapeutic exercises to help improve the outcome of care.

CONSISTENT

Optimally, a patient will see the same chiropractor through the course of their treatment

to maintain consistency in care, and for the provider to be able observe treatment progress and make changes to the treatment plan as needed. It’s also important for the patient to be consistent in attending their scheduled appointments to achieve their optimal health goals. While no chiropractor can, or should, make promises about treatment outcomes, setting realistic goals for treatment expectations is valuable for both the patient and the provider.

EXPERIENCE

An experienced chiropractor has seen thousands of cases, which makes them more likely to have seen cases similar to yours. This helps the doctor to make the best recommendations for your care which leads to better outcomes. Additionally, more experienced doctors have typically developed mastery of various adjusting

techniques which allows them to provide care catering to a wider variety of patients’ needs and preferences. Techniques can vary from manual to low force instrument (chiropractic without the crack) and everything in between. Lastly, if there is a particular niche service required, like pediatric or pregnancy, seek a chiropractic provider that is focused on those areas.

REPUTATION

When researching a chiropractor, look for a locally owned and operated clinic that is well established, involved, and invested in the community. Look for reviews regarding not only the quality of the chiropractic care received, but also the environment in which it is delivered. Care delivered in a kind, welcoming and engaging facility with great staff further supports the healing process and promotes wellness.

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 your house, worn and 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.

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!

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 typical styles and materials, 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, fiberglass, aluminum or steel, 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. Real wood doors can require regular staining and sealing every few years to keep them looking spectacular. Most doors these days are steel made to look like wood so they’re easier to maintain than wood doors. Glass doors with aluminum framing are reasonably durable but dust and dirt will be more apparent than on steel doors with no windows. Fiberglass doors are not

typically sold in the Central Texas area as they are primarily used along the coasts since they are more salt resistant than steel doors.

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 interior of your house. In general, the higher the “R value,” the better off you’ll be. It is a good idea to pay attention to this in extreme climates.

LOCAL REQUIREMENTS

Before you make the purchase, you should also check to see if your city, county or homeowner’s association has any special requirements for garage doors. Homeowner’s associations, in particular, may have very picky requirements about what materials and styles can be used in your neighborhood. Make sure your choice meets with the approval of any local authorities or boards that control their use.

Most of the doors sold in the Killeen area are steel, along with a few aluminum doors which are really glass (full view) doors with aluminum frames.

You see the aluminum frame full view type doors used in fire stations, restaurants and modern style homes mostly.

SAFETY

A garage door is typically the largest moving object installed in any home, and safety should be a consideration. Ask your garage door retailer about any special safety features on the door you select. Some manufacturers offer doors designed with joints that won’t pinch your fingers. All garage door openers are required to have safety sensors that reverse the opening of the door if something or someone is underneath a closing door. Make sure it will be installed according to all applicable safety codes in your area.

OPENER

When you install a new garage door it’s usually a good idea to install a new opener, too. Make sure you factor this into the cost and explore all your options — including the latest models that can be closed remotely via smartphones and operate very quietly and efficiently.

HOW TO CHOOSE A GARAGE DOOR COMPANY

Lastly, it’s best to go with a dealer who has a storefront and has been in business for a long time like Killeen Overhead Doors. If there is no storefront or business location, then buyer beware since you cannot be sure a supplier without a storefront or warehouse will be around long term to warranty their work, have replacement parts, or have liability insurance in case of an accident.

HOW TO PICK THE BEST BATHROOM REMODELING COMPANY

When it comes to renovating your bathroom, selecting the right remodeling company is crucial. Remember, finding the right bathroom remodeling company involves a balance of research, credibility checks, and effective communication. Here are some key considerations:

BBB ACCREDITATION

This is an essential factor when evaluating a remodeling company. An accredited company has met BBB’s standards for honesty, transparency, and ethical practices. Look for the BBB logo on the company’s website or marketing materials. It signifies their commitment to maintaining high standards.

SERVICES OFFERED

Understand what services you need and ensure the company provides those specific services. Consider if they offer trendy designs and cater to accessibility needs.

EXPERIENCE

Check the company's experience in the industry. Companies with many years of experience, like Rebath, which has over 40 years in the business, tend to be reliable and specialized in their field.

PAST EXPERIENCES

Reflect on your past experiences with home improvement projects. Identify what went well and what could be improved. Ensure the company can meet your expectations and deliver quality results.

PROJECT TIMELINE

Inquire about the project timeline. A good company will provide a clear and reasonable timeline and have all materials ready before starting, minimizing the disruption to your home.

REFERENCES

Always ask for references. A reputable company will readily provide them, and you can contact previous clients to learn about their experiences. Key questions to ask include whether they would choose the company again and why.

By considering these factors, you can make a more informed decision and choose a company that best fits your needs for a bathroom remodel.

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, while 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 actually registered.

Price should not be the most important factor when choosing the right HVAC company. Here’s

With Federal tax credits, Oncor incentives, and manufacturer rebates, for a limited time you can save thousands (up to $6,350) on a new heat pump system. We’ve never seen a better time to buy a new unit!

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. For 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 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 trade-in to put on the new car, would you?

Other essentials that need to be tended to when installing new equipment is being sure that the PVC condensate line is changed, a new subfloor 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 wellknown 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, so 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

FREQUENTLY ASKED QUESTIONS

What preventative maintenance should I do in order to keep my system running at an optimal level?

The most important maintenance is changing your filter monthly. Having a Fall and Spring check up can also drastically increase your systems efficiency.

How do I know when to replace my air conditioners?

If your air conditioner is more than 12 years old replacing it w/ an energy efficient system could cut your utility bill by more than 30%

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

What temperature should I set my thermostat?

Energy Star recommends setting your thermostat to 78; setting your thermostat to 72 will increase your energy consumption by 12-50 percent.

How long do AC units last?

On average an AC unit that is properly maintained will last 10-15 years. Neglecting to perform annual, routine maintenance tune-ups by a certified HVAC Contractor will significantly decrease the lifespan of the unit.

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 35 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.

HOW TO CHOOSE AN ELECTRICIAN

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.

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 cuarrent 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

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 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.

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

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

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 ROOFER

Roofs are designed to withstand many years of abuse from the elements, but eventually every roof will need to be replaced. All roofs at some point will require some type of maintenance to get the most out of your investment, so it helps to have your roof inspected from time to time to insure your roof is still doing what it needs to in order to protect your home. A new roof no matter what type you choose is a costly investment. It is also one of the most important aspects of your home, so having it installed correctly and by a reputable local company is important.

Your first step in finding a reliable roofer is to ask your family, friends and neighbors if they have recommendations.

Referrals are a great way to know what to expect from the contractor before you hire them based off of the experience your family or friends

had with that particular company.

You can also search online for a local roofing company and we recommend taking a look at their reviews and reading what past customers have to say. We highly recommend going with a local roofer. There are too many horror stories with folks using an out of town company and either having their money stolen from them or the job performed poorly.

Out of town companies are also harder to get in touch with if you ever needed them. Using a local company also keeps the money in your community where it impacts you the most. When you use an out of town company it hurts the community, and you wonder why that road hasn’t been repaired. Keep your money local and that pothole on your street might get repaired a little sooner.

During storm season, there are storm chasers that

show up after an area was hit by hail or a tornado and will make their way around knocking on doors trying to solicit business. These contractors do not have your best interest in mind. If they are driving out of their area or state to look for work then they probably aren’t the most reliable in their own area and that should tell you something. We do not recommend going with anyone that doesn’t live and operate within a reasonable distance of your home. Another thing is just because they have a local number does not mean they are local. Many companies will rent out an office and or get a local number in order to make it seem that they operate locally, but that is often times not the case. Do your research. When it comes to insurance claims that normally come with a natural disaster or bad storm, there are quite a few misunderstandings

and the claim process and paperwork can be very confusing to someone that hasn’t had much experience handling a claim before.

First and foremost, if any contractor is willing to wave your deductible then you should not trust that contractor. They are not looking after you and your best interest in doing so; so why would they perform work on your home with any type of integrity either? Insurance deductibles in the state of Texas cannot be waived. It is state law that you pay it when you have a claim. Refusing to pay it or having it waved by your contractor is insurance fraud and can result in losing your insurance, prison time, and a hefty fine if caught

for both you and your contractor.

Your contractor should be able to break down your insurance claim for you and explain every line item so you have a full understanding of what work is to be performed on your home.

Becoming acquainted with a local contractor is especially important if you live in an area prone to high winds or hail. It is good to know who to call if your house needs repair work.

We recommend calling 2-3 contractors to come assess your home and then doing your research on them to determine who you like the most and can trust to perform the job for you.

Find out if the roofers install architectural shingles, what they will do if they find damaged decking, and when they might be available to start. Understand that after a major storm schedules can fill up quickly, have some patience and understand obstacles like material being in-stock and turnaround times can vary and a reliable roofer will do their best to complete your job as quickly as possible.

If you can’t wait and want your roof replaced in a more timely manner then hold off on signing a contract until you have a better idea of the turnaround time.

After three days you are not able to cancel contracts and roofers can make customers wait months if they want knowing you are stuck in a contract. Every professional who works on your property should be insured and should be willing to show you a copy of their insurance.

Before work commences make sure you understand your out of pocket expense. This can be written in a contract, estimate, or email. Understand exactly what work they plan to complete on your home as well. Any roofer worth their salt will be happy to give you all the time you need to feel comfortable with your decision and answer any and all questions you have. Following these tips will help you find the best roofing contractor in your community. You can rest comfortably knowing that you made the right decision.

SELECTING A PROPERTY MANAGER

OUR MISSION

People and ethics first. From investor to resident, buyer to seller, every detail matters.

CREATING RETURN ON YOUR INVESTMENT

Our primary goal for our clients is to bring a return on their real estate investment. Here's a few ways we make that happen:

• Thorough intake evaluation of your property

• Recommended treatments & repairs

• Comprehensive market research to determine maximum market rent amounts

• Real-time tracking of all rent payments and adherence to lease rules

• Occupied walk-through inspections to ensure property condition

MAINTAINING YOUR PROPERTY

A big part of the return on your investment is the proper upkeep of your property. That requires keeping an eye on things:

• Digital inspections that are linked to your account for your records

• Final inspections when a tenant vacates, complete with extensive notes and hundreds of photos

• Occupied walk-through inspections performed during a tenant's stay, detailed followup to make sure tenants have rectified any issues

arising from the occupied walk-through

• QC inspections performed just prior to a new tenant's occupancy

• Regular monthly neighborhood "drive-by" viewings (because you can tell from the street when something is wrong!)

•Mandatory tenant participation in our AC filter delivery program to lengthen the life and performance of your system

COMMUNICATING

Our results don't always speak for themselves, so we will be sure to let you know what is happening:

• Fully digital platform allowing our clients access to their information from their computer

or phone

• Money transfers via EFT every month in a timely fashion

• Notification of all work orders issued, new leases, new vacancy notices, lease violations, and emergencies.

1. OUR TEAM:

Many of our team members are licensed Realtors, bringing you a higher level of market knowledge. You'll have a dedicated Leasing Agent and Maintenance Coordinator who will always be available to answer your questions. We have five Property Assessors who spend their day driving your neighborhood in company vehicles , checking on the properties in our care. Our coverage is beyond compare.

2. OUR MARKETING:

Your property will be marketed on the same level, or higher, than if you were selling! Professional-level photography, submission to our website and every significant real estate platform on the planet, and careful evaluation at the outset to determine the highest market rent

and any upgrades or treatments that would make the property more appealing. Further, our team includes our Social Media Director, who will keep our image, our brand, and your property on the forefront of the most effective social media pages for real estate.

We also employ a professional advertising agency, Concentus Media Group, to handle all of our print media, TV, and radio marketing. We make a larger investment in advertising than the vast majority of our competitors, which helps keep your property full of quality tenants.

3. OUR LOCATIONS:

Property management is a location-specific endeavor. An out of town manager cannot do what we do, nor can a manager that needs to reach dozens of miles from their office. Having bricks and mortar in or near the neighborhoods we manage allows our team to have the presence they need to get the job done.

4. OUR SPEED:

Keeping a large, qualified, highly-trained team on hand, on the road, and in constant

communication means we're there when you need us.

5. OUR PROCESS:

From inspecting your real estate investment, to issuing and following up on work orders, to the careful evaluation of potential tenants during the application review, our processes are second to none and all-encompassing. At Linnemann Realty, Every Detail Matters is more than just a slogan, it's a way of life.

6. OUR OFFER:

Please call our Director of Marketing to discuss our rates and terms. These vary depending on the nature of the property and the quantity and quality of the units being discussed. While our rates are competitive, you will find companies out there that charge less. Given that this might very well be your largest investment, handing it over to the low bidder is an ill-advised strategy, and one that could have severe consequences. When it comes to selecting a property manager, please give the matter the attention it deserves.

HOW TO CHOOSE A VENUE

If you’ve ever been tasked or taken on responsibility for organizing a large event, your first priority is finding an appropriate space. Getting things right in terms of space, food and entertainment options is difficult, and your choice of venue can make or break an event, so choosing a space that meets all your needs requires some

serious investigation.

Whether it’s a wedding or an office party, the details involved in choosing an appropriate venue for a specific event can be overwhelming. You have to consider everything from service to parking, music to tips and cleanup.

It helps to define your event, make a list and

then evaluate your options.

Here are some things to think about if you’re considering finding an event venue.

LESS STRESS

Event planning is stressful. You will need a

venue that lowers your anxiety level before and during the event.

This is especially true of weddings. Whether you or a friend is getting married, you will need an experienced venue staff. The employees should treat you and your guests with respect and grace.

Venues can be very helpful with event planning. Top-quality venues regularly do business

with many vendors. They can give you advice on finding other vendors in your area. They might be able to assist you in the planning phase, which can help you relax as you plan for the big day.

SERVICES

Every venue is different when it comes to services. Some places offer hardly any services, while others help you set up and clean up. Placing tables and chairs is time-consuming. Taking down decorations and equipment afterward can put a sour ending on a fabulous day.

Read your contract carefully. Unless you are on a very tight budget, look for a full-service venue that will set up and tear down as part of their pricing package.

TECHNICAL NEEDS

Your event might require special technical needs. For example, sound and lighting is vital for a musical event. The venue should have the right electrical and audio connections, as well as places to route and hide cables safely.

Weddings can also be a technical challenge. The band or DJ will need to have clear sound and a dance floor. Wedding photographers might have preferences about where backdrops and special lighting will be placed.

The best venues can help you have a successful, stress-free event. Finding the right place to experience your special occasion will be memorable for you and your guests.

HOW TO CHOOSE A FAST-FOOD RESTAURANT

Welcome to Taco Casa, where we believe in the power of real, fresh, and delicious food. Since our humble beginnings in 1972, we’ve been dedicated to serving our community with the best quality meals, and today, we proudly operate over 110 stores across Texas and Oklahoma.

At Taco Casa, our commitment to quality starts with our ingredients. We use 100% ground beef that is never frozen, ensuring that every bite of our beef is juicy and flavorful. Our dedication to freshness doesn’t stop there. We fry our shelfs every morning with pure coconut oil, providing a healthier and tastier option for our customers. And because we believe in serving only the freshest food, you’ll never find a freezer in our kitchens.

Our love for the community extends beyond our kitchen doors. We are passionate about helping the communities we serve, and we

continually strive to give back through various initiatives and partnerships.

Come experience the difference at Taco Casa,

where real fresh, real food, and real good is not just a motto, but a way of life.

XERISCAPE LANSCAPING

BROUGHT

TO YOU

BY GRIZZLY’S HIDDEN FALLS NURSERY & LANDSCAPING

Xeriscape Landscaping:

A water conserving way to help our pollinators in an area where we are constantly going in and out of drought conservation is becoming increasingly critical. Xeriscape landscaping is a smart and responsible choice for homeowners. This beautiful landscaping style promotes water conservation, color and great attractors for hummingbirds, butterflies and other pollinators.

Xeriscape landscaping is a style of designing and maintaining landscapes to lower the need for supplemental irrigation. The term "xeriscape" comes from the Greek word xeros, meaning ‘dry’.

Many people think of rocks and cactus when you mention xeriscape, but in our region, it means so much more.

Good xeriscaping begins with planning and design. Go online, and Google “Texas Hill Country landscape” to get ideas; you will be amazed at what you can find. Our natives are full of colors from white to purple and everything in between. Most of our native plants don’t need a lot of amendment to the soil but when you add a good compost mix it sure does give them a big boost in their growth. Then you can add drip irrigation if you like or do what I do and just water things

when they need attention.

If you want to use a weed barrier, there is nothing wrong with that. I use it just to help keep the unwanted weeds at bay, but you can go without it and just stay on top of any unwanted growth that gets in the landscape. Once everything is in place, you can use a good mulch, river rock, decomposed granite, or crushed stone to cover the open areas.

When weeds do get in, you can either work to pull them or use a good horticultural vinegar mixture to work at controlling them.

Water conservation is the most obvious

advantage of xeriscaping since traditional lawns use approximately 44gl of water per square foot every year to stay healthy. If you add that up over your entire lawn area, that’s a lot of water just for grass!

Xeriscaping creates a better environment by reducing water usage, chemical fertilizers and pesticides, as well as helps our butterfly, hummingbird and bee population.

Anything that you do in your landscape is about your personal taste. Xeriscape is no exception to that rule and can be as simple or colorful as you like. Many people believe that xeriscape means rocks and cactus, but this couldn’t be further from the truth. With our drought tolerant natives, you can create a beautiful landscape with all the colors you can imagine. Your neighbors won’t believe that you use hardly any water at all to keep thing healthy!

Getting started can be scary, but start small and expand as you see your confidence grow in your abilities. Start by replacing part of your lawn with droughttolerant plants and before you know you’ll have huge portions of useless grass replaced with something amazing.

Start talking to your landscaper and local garden center, as they can help point you in the right direction if you want to tackle it on your own or need professional help. Places like Grizzly’s Hidden Falls Nursery is a fantastic place to find the help you need, located on West Highway 190 in Nolanville. Give us a call at (254) 698-6008 or visit hiddenfallsnurserykilleen. com for more info!

HOW TO CHOOSE AN AUTO REPAIR SHOP

If you own a car, there are a few truths: a new vehicle will depreciate the moment you drive it off the lot, and a used car will almost always need relatively urgent care. In either case, repairs are fact of ownership.

If you’re not handy with auto repair, chances are you know someone who is. A friend who can make simple fixes is often a godsend. But most modern vehicles are a network of electronics that can quickly overwhelm the skills of most backyard mechanics. That’s when you need a quality repair shop.

For new cars, many owners rely on their dealers for periodic maintenance and repairs. Dealer service shops specialize in the vehicles they sell and offer OEM (original equipment manufacturer) parts that bring many peace of

mind and warranties provide free or discounted services.

But many repair shops employ certified mechanics trained in working on a variety of foreign and domestic vehicles. The key is to locate a reliable shop that offers reasonable rates before you need them.

Creating a relationship with an auto repair shop can benefit you in many ways. The mechanics will be familiar with your car and maintain records of previous visits. Whether its a simple oil change or a complex electronic problem, you’ll know where to turn when your vehicle needs service.

If you haven’t had a regular mechanic is recent years, now is the time to find one. Here are a few points to consider:

• Less than 40% of new customers in auto shops are walk-ins. That means word of mouth is still king in the industry. Find a shop that gets rave reviews from family and friends, and you’ll be in good hands.

• The Better Business Bureau can inform you about the repair shop’s performance and reliability.

• If you travel often, consider a shop that offers a national warranty. For instance, a

warranty of 12,000 miles or 12 months is handy for issues that keep cropping up, particularly in older cars.

• Ask about the shop’s range of services. They will need the latest technology to diagnose problems with newer cars. For example, can your prospective shop handle brake systems, electrical components and warranty repairs? Does the shop provide a loaner, rental car or shuttle service while your car is being repaired?

• Look around the shop. Is the equipment in good condition? Is it clean, well-lit and organized? These factors all contribute to a level of professionalism.

• Look for brand names and proper certification. Does the auto repair shop use brandname parts? These parts are engineered to meet the manufacturer’s specifications and will likely come with a warranty. Shops may use remade or generic brands which your insurance policy may not cover, so be sure to check.

• Are the auto technicians certified by a specific car manufacturer, the National Institute for Automotive Services or Automotive Science Excellence? Is the shop approved by the American Automobile Association? If so, this indicates a customer approval rating of 90% or higher and the ability to adequately perform the services advertised.

• Compare the services and fees of each shop in the area to find out the average price ranges.

Don’t pick a shop based on cost; poor repair work will mean higher costs in the long run. You’ll also want to ask about the shop’s warranty policy. Imagine spending hundreds on a repair only to learn the work isn’t guaranteed.

Once you have found a shop you trust, establish a good working relationship and try to use the shop for all of your automotive needs. Your mechanic will come to know you as a dependable customer and always be sure to provide you the highest level of service.

HOW TO CHOOSE A SOLAR ENERGY COMPANY

With electricity prices increases each month across Texas, renewable energy is showing just how low-cost 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 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 3.99% 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 30% Federal tax credit 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 RIGHT CHILDCARE FACILITY

Choosing the right childcare facility is a crucial decision for parents, as it directly impacts their child’s early development and well-being. Here are several key factors to consider when evaluating childcare options:

1. LICENSING AND ACCREDITATION:

Ensure the facility is licensed by the state and meets all regulatory standards. Accreditation by reputable organizations, such as the National Association for the Education of Young Children (NAEYC), is a positive indicator of quality.

2. STAFF QUALIFICATIONS AND RATIOS:

Inquire about the qualifications of the caregivers. Ideally, staff should have formal training in early childhood education. Additionally, check the child-to-staff ratio; lower ratios mean more individualized attention. For infants, a ratio of 1:3 or 1:4 is ideal, while for toddlers, 1:6 is acceptable.

3. CURRICULUM AND ACTIVITIES:

A good childcare facility should offer a balanced curriculum that promotes cognitive, emotional, and physical development. Ask about daily activities and how they stimulate learning and creativity. Look for programs that incorporate play-based learning, as it’s vital for young children.

4. SAFETY AND CLEANLINESS:

The environment should be clean, safe, and child-friendly. Ensure there are safety measures in place, such as secure entrances and exits, childproofing, and emergency procedures. Regular cleaning protocols are essential to prevent the spread of illness.

ABOUT THE NAEYC

The National Association for the Education of Young Children (NAEYC) is a professional membership organization that works to promote high-quality early

learning for all young children, birth through age 8, by connecting early childhood practice, policy, and research. The NAEYC advances a diverse, dynamic early childhood profession and support all who care for, educate, and work on behalf of young children. The association comprises nearly 60,000 individual members of the early childhood community and 52 Affiliates.

volunteering or participating in events can also be a positive sign.

6. REFERENCES AND REVIEWS:

Seek recommendations from other parents and read online reviews. Visiting the facility unannounced can also provide a realistic picture of daily operations. Talking to current or former clients about their experiences can offer valuable insights.

7. FLEXIBILITY AND POLICIES:

Understand the facility’s policies on hours of operation, holidays, and sick days. Flexible hours can be important for working parents. Ensure that the facility’s policies align with your expectations and needs.

8. NUTRITION AND HEALTH POLICIES:

Inquire about the meal plans provided and ensure they meet nutritional standards. Facilities should accommodate dietary restrictions and allergies. Additionally, understand their health policies regarding sick children and immunizations.

9. COST & FINANCIAL ASSISTANCE:

at the facility.

Choosing the best childcare facility requires thorough research and consideration of various factors to ensure a nurturing and stimulating environment for your child’s growth and development. By prioritizing these elements, parents can make an informed decision that benefits their child’s early years.

5. COMMUNICATION AND PARENTAL INVOLVEMENT:

Effective communication between parents and caregivers is crucial. Look for facilities that provide regular updates on your child’s progress and daily activities. Some centers offer parent-teacher meetings, newsletters, or digital apps for realtime updates. Parental involvement in the form of

Evaluate the cost and determine if it fits within your budget. Some facilities offer financial assistance or sliding scale fees based on income. It's important to balance cost with quality to ensure the best care for your child.

10. TRUST YOUR INSTINCTS:

Lastly, trust your instincts. After visiting and researching, you should feel comfortable and confident in your choice. Your peace of mind is crucial, as it directly impacts your child’s experience

HOW TO SELECT A BARBER SCHOOL WITH OG’S SCHOOL OF HAIR DESIGN

OG’s School of Hair Design (OG’s) offers a total learning environment encompassing the traditional and non-traditional forms of education and training in the art and science of barbering and hair design. Our mission is to provide an environment that will meet the needs of a very diverse group of individuals, and to make sure that the students succeed by requiring that they achieve and maintain “A Standard of Excellence” that will aid them in passing the State Board examination, succeed in the workplace, and support the

community and surrounding Central Texas area by providing the highest standard of services at affordable prices.

We proudly provide quality instructions to our students and excellent services to the community. We teach the art and science of cutting all types of hair, as well as the ‘Theory of Hair Coloring’, ‘Theory of All Chemical Services’, and preparation for the State Board Examination.

Barber classes are open to veteran and non-veteran students, and begin the second Tuesday of every calendar quarter (March, June,

September and December). The program is six (6) months long, consisting of two (2) semesters, and requires a student to clock 1000 hours, and complete all practical applications required by the Texas Department of Licensing and Regulation (TDLR).

HOW DO I PAY FOR THE PROGRAM?

(The payment information below is for Self-Pay, Non-Veteran students only.) Students with special needs may qualify for financial assistance through the Texas Workforce Commission. Visit www.twc. texas.gov for more information.

$150.00. Non-Refundable Enrollment Fee is due at the time of registration.

$3,150.00 is due the first day of class. This includes $2,535 for toolkit, uniforms, books, student permit, and pictures, as well as $615.00 for the first month’s tuition.

REMAINING $7,200.00 TUITION

PAYMENT PLAN

Six (6) payments of $1200.00 due no later than the 10th day of the current month. NOTE: If tuition is not paid by the 10th day of the month, the student will not be permitted to clock in. OR

Three (3) payments of $2400 may be made. The first payment is due 30 days after the start date of class, then 30 days thereafter until paid in full. OR

Full balance of $10,350.00 may be paid on the first day of class.

Payment Methods: Check, Credit Card, Debit Card, or Cash.

NOTE: Currently financial aid is not available; however, eligible veteran students may apply for Veterans Education Benefits. OG’s has a Veterans Affairs (VA) Education Advisor on staff that is available to veteran students who enroll.

WHAT HAPPENS WHEN I COMPLETE THE TEXAS CLASS A BARBER TRAINING PROGRAM?

You will be eligible to take the written portion of the Texas Department of Licensing and Regulation (TDLR) Texas Class A Barber Examination after completing 900 classroom hours with passing grades; and the practical portion of the examination after the completion of the program at 1000 classroom hours. You must pay a licensing fee to TDLR prior to registering for an exam. Once you pass the TDLR examination, you will be

licensed by the State of Texas as a Class A Barber.

NOTE: The fees for each of these exams are not covered by program fees paid to OG’s School of Hair Design.

HOW TO BE PREPARED FOR YOUR VISIT TO THE BARBER SCHOOL AS A CLIENT

Know what you want. If you would like to receive a hair service and would like a particular style, bring in a photo of the style preference, if possible. Don’t be afraid to call for an appointment, too!

HOW TO RECEIVE HAIRCARE TIPS

Visit the barber school to have a free haircare consultation with Kevin Lane, OG’s owner since 2002. Mr. Lane is a licensed barber and cosmetologist with over 37 years of experience. He will do a thorough observation offering hair care

and/or remedies that the school can offer, and/or care/remedies that can be done at home.

HOW PARENTS CAN RECEIVE A 25¢ HAIRCUT FOR THEIR CHILDREN

Come visit us for our 25¢ Haircuts Back-toSchool Community Service Event for ages one (1) & up!

Wednesday, August 7 through Friday, August 9

9:00A.M. - 3:30P.M.

Saturday, August 10 8:00A.M. - 2:30P.M.

Tuesday, August 13 9:00A.M. - 3:30P.M.

HOW TO CHOOSE A LOCKSMITH

If you need a locksmith, chances are you’re locked out — of your home, car or business — at the most inopportune time. Being locked out or losing your keys can create panic in anyone, especially if it’s late at night or in inclement weather. That’s why you’ll want to choose a local locksmith before you need them. Here are some tips on what to look for and how to choose a locksmith.

Ask your friends, family and neighbors for the names and contact information of reliable locksmiths they have used in the past. Small businesses in your community could be another source of suggestions. They probably use a locksmith’s services often. After all, it is a common practice to change the locks and keys periodically. If any retailer has experienced a

burglary, they will change the locks as well.

After making a list of possibilities, check on each locksmith’s licensing. Look specifically to see if he’s licensed by the ALOA Security Professionals Association, a well-known industry organization. If so, then he’s met specific criteria and you will know he’s a true professional.

A good way to check credentials is to ask him for his business license number. A reputable locksmith won’t hesitate to give you this information. The ALOA Security Professionals Association can research this number in their database to establish his professional certifications.

The locksmith should be bonded and insured. If your car door or other property is damaged while he’s performing this service, there is

WHAT IS THE ALOA SECURITY PROFESSIONALS ASSOCIATION?

The ALOA Security Professionals Association (formerly the Associated Locksmiths of America) is a trade organization for locksmiths and security experts in North America. Based in Dallas, Texas, the ALOA provides verification for its members, as well as certifications that are given after the applicant has proven their proficiency in locksmithing. There are five types of certifications that can be given to a locksmith who has qualified for a license: Registered Locksmith (RL), Certified Registered Locksmith (CRL), Certified Professional Locksmith (CPL), Certified Master Locksmith (CML), and Certified Automotive Locksmith (CAL).

“ A good way to check credentials is to ask him for his business license number. A reputable locksmith won’t hesitate to give you this information. The ALOA Security Professionals Association can research this number in their database to establish his professional certifications. “

paperwork you can complete that will guarantee payment for any repairs. Without bonding and insurance, you would be held responsible for the repairs yourself.

Call several places and ask about their pricing. Take not of their quotes. Unscrupulous operations will boost their rates in times of emergency. Locking in rates before you are in trouble is a great way to save money.

Once you have narrowed your list down to a few locksmiths, request references. Reputable locksmiths are never concerned about what

previous customers might say. Their track record is a point of pride with them. They are only happy to give you the names and contact information of references.

Contact each person and ask about prices and quality of service. How long did each person have to wait? Were the prices fair? These two aspects will help you find the best professional for the job. Before making your final selection, perform a background check on your choice. Contact the local chamber of commerce, the police department or the Better Business Bureau for information on prior

complaints. Good locksmiths don’t mind if you do this because their good record speaks for itself.

Memberships in professional trade associations are a good sign. These associations encourage their members to stay current on trends, technologies and other aspects of their profession. The groups also offer continuing educational opportunities. Do your homework and find a reputable locksmith before you need him. That way, if you ever fall victim to frozen locks, lost or broken keys, you will be well prepared to handle the emergency.

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.

1. 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 helps an accident victim 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 get-go.

2. 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.

3. 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.

4. 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.

5. 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.

6. TESTIMONIALS / REPUTATION

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

7. 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.

8. 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

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 19 locations nationwide and growing.

The firm offers a spectrum of legal services, including personal injury, family law and criminal defense.“In our nearly 50-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 not injured. We understand this about insurance companies.”

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

“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 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 Carlson Law Firm also gives back to the community through Carlson Cares, the firm’s charitable program dedicated to improving lives. From Carlson Christmas Miracle, annual Party With a Purpose events and sponsorships, these events are family focused. If you need help with a legal matter, stop by 100 E. Central Texas Expressway, call 254-5265688 or visit carlsonattorneys.com (English) or carlsonabogados.com (Spanish).

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 worldclass 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 boardcertified 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 nearly 50 attorneys and 150 staff, giving each case the individual attention it deserves and there to provide the support you need.

HOW TO CHOOSE AN ATTORNEY

There are many reasons people choose attorneys. Sometimes it’s a decision resulting from an immediate need — an accident or injury, or more dire circumstances involving the police and courts.

Others choose attorneys to watch over their personal legal and business matters, as well as wills and estate planning that require legal documents.

While there are some reputable online services that offer people the ability to complete simple legal tasks without hiring an attorney, most people at some point will need the services of a professional lawyer.

Choosing the right attorney can mean the difference between freedom and a criminal conviction, ensuring you don’t get taken advantage of in a business deal and having the best representation as you fight for your children.

Opting to represent yourself is often a costly mistake. Attorneys have the training and experience to properly present your case. They know how to work with other attorneys and can recommend the best legal strategy for your case. They also understand how to properly fill out the correct filings, forms and paperwork.

Here are some factors to keep in mind when choosing a lawyer.

AFFORDABILITY

Litigation is expensive, settling for inexpensive legal representation can be a big mistake. Quality should always come first when it comes to attorneys.

If you’re facing a criminal case and cannot afford an attorney, you have the right to a court-appointed lawyer. Taxpayers pay these representatives to help people in need. A

court-appointed attorney can provide you with invaluable assistance.

Also, never hire an attorney who has been disbarred in any state. And be wary of those who have been sanctioned by their state bar.

RELEVANT ISSUES

When selecting an attorney, be sure to find one specializing in the area in which you need assistance. For example, if you are in custody litigation it is best to have a board certified family law attorney by your side. If you’ve been arrested it is obvious you would want a criminal attorney fighting for you. Real estate transactions are best handled by a lawyer specializing in that field. Many lawyers specialize in a variety of legal issues. It is vital that you hire a lawyer who practices the type of law you need.

REFERENCES

Finding a quality attorney can often be as simple as asking your family or friends for referrals. If you are getting a divorce, look for people in your social network who have been through a divorce who were pleased with their representation.

You can also ask attorneys for references. A true professional should be able to provide you with recommendations for colleagues that can help you if they do not practice in that area.

ONLINE RATINGS

Some websites rate attorneys. They are also a great resource for client reviews. Don’t give positive or negative reviews too much credence, however. They can be incredibly subjective. Some of the comments are not truthful. Focus on comments about a lawyer’s availability,

personality and results. You should not have to struggle to get in contact with your attorney.

CONSULTATION

Take advantage of any free consultations. Most attorneys offer them. The meeting will allow you to discover if the lawyers is a good match for you.

Be prepared for your consultation by bringing any relevant documents, contracts or filings that will help the attorney in assessing your matter. If you feel discomfort during the meeting, do not hire the attorney. Simply thank them for their time.

Ask questions during your free consultation.

Expect forthright answers. If you don’t feel satisfied, find another person to represent you. There are plenty of qualified local attorneys who will be willing to help.

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.

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.

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 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 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 by them. 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 A NAIL SALON

Like most every in-person experience, the pandemic has had an effect on nail salons. But as the restrictions ease, more people are returning to salons after a long hiatus. In terms of self-care, a trip to the nail salon for a manicure or pedicure is a top pampering experience, so it’s no wonder people are eager to resume this pleasurable activity. Nice nails instill self-confidence and add style and attractiveness to your hands and feet. And the best salons offer a relaxing experience as experts work on your nails, with music and sometimes a glass of wine to enhance your visit.

Chances are there are multiple salons nearby where you live. But proximity doesn’t always mean quality or professionalism. Unlike other spur-ofthe-moment choices, choosing the wrong salon can result in an infection or worse.

Whether you’re looking for a traditional finish for your hands and feet, or a more modern look complete with intricate nail art, there’s likely a quality, hygienic nail salon nearby that can fulfill your wish.

Here’s what to consider while choosing a nail salon.

CLEANLINESS

It’s just common sense that the top thing that sets the great nail salons apart from the ones you want to avoid is how clean and sanitary they are.

Sanitation is an important issue in the nail industry because, while problems are rare, a poorly run salon can sometimes cause bacterial or fungal infections to spread. That’s why most states require licenses for nail salons and have procedures for how the tools, supplies and work spaces should be sanitized.

You’ll want to make sure your nail technician has the right license and training and takes care to ensure a clean working environment for all their clients.

To learn about their credentials and sanitation policies, just ask. A good salon will be open about — and take pride in — all the steps they take for safety.

ATMOSPHERE

Closely related to cleanliness is the overall atmosphere of the salon. Does it make you feel comfortable when you walk in the door? Does it seem well-organized and decorated in a way that makes you feel relaxed? Does the smell of chemicals seem overpowering, or does it seem properly ventilated?

You can tell a lot about the quality of a salon by the feeling you get when you first walk through the door. A sparkling, welcoming, beautiful work space is a sign of good management and employees.

The cleanliness of the bathroom can be another sign of how well the business is run. The best salons will take pride in all aspects of their operation, down to the smallest details.

SERVICES

Top salons offer a range of services for keeping your digits and tootsies looking great, from traditional manicures and pedicures to the latest trends in nail care.

Ask what services are

new and popular right now. High-gloss, CNDstyle shellac and gel nails are popular trends in many areas, but the styles and fashions in nails are always changing. A good salon will be able to help you pick a great color or pattern for your nails and finish them to perfection.

Part of getting the right services involves good, clear communication with your nail technician. Make sure you find a technician who listens and responds to your needs — someone you can get along with and trust to do a fantastic job every time you come to the salon.

REFERENCES

Like most service businesses, the best nail salons will always have a good reputation in the community. Ask your friends, family and neighbors — particularly any friends with greatlooking nails — what salon they use and how happy they’ve been with the treatments they receive there.

You can also look online or check with the Better Business Bureau to see what feedback you can find about the nail salons in your area. In the end, you’ll be able to find a great salon that can keep your fingers and toes looking happy, healthy and beautiful.

KANGAROO RICKS EXPLAINS: CHOOSING A PARTY RENTAL COMPANY

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 and unreliable, so knowing what to look for can make the process troublefree.

Here are things to 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 us on Facebook and Instagram for all your party needs and be on the lookout for future raffles and giveaways.

SELECTING AN EVENT PLANNER

Choosing the most optimal event planning business that can transform a room into an entirely new environment is a crucial decision that can make or break your event.

Whether you are planning a wedding, corporate event, or private party, the right event planner will turn your vision into reality and create an unforgettable experience. Here’s a guide to help you choose the best event planning business for your needs.

DEFINE YOUR VISION & NEEDS

Before you start your search, clearly define your vision and the type of transformation you want for your event. Consider the theme, mood, and atmosphere you aim to create. Knowing your specific needs will help you communicate effectively with potential planners and assess whether they can deliver your desired outcome.

RESEARCH & RECOMMENDATIONS

Begin your search by gathering recommendations from friends, family, or colleagues who have had successful events. Additionally, look for online reviews and testimonials to gauge the reputation and reliability of various event planning businesses.

Pay attention to reviews that mention the company’s ability to transform spaces and create unique environments.

PORTFOLIO & EXPERIENCE

Examine the portfolios of prospective event planning businesses. A strong

portfolio showcasing diverse events and transformations indicates creativity and versatility. Look for examples that align with your vision and demonstrate the planner’s ability to execute similar concepts.

Experience in handling events of your size and type is also essential, as it ensures they understand the specific challenges and requirements.

CREATIVITY & INNOVATION

The ability to transform a room into a completely new environment requires creativity and innovation. During your initial consultations, discuss your vision and assess how each planner responds. A top-tier event planner will offer creative ideas, suggest unique elements, and provide insights on how to enhance your concept. Their enthusiasm and innovative approach are key

indicators of their capability to deliver a remarkable transformation.

SERVICES AND CAPABILITIES

Ensure the event planning business offers comprehensive services that cover all aspects of your event. This includes design and decor, lighting, sound, staging, and coordination. A full-service planner will manage every detail, allowing you to focus on enjoying your event. Inquire about their relationships with vendors and their ability to source high-quality materials and equipment necessary for the transformation.

BUDGET & TRANSPARENCY

Discuss your budget openly with potential planners and ensure they can work within your financial constraints. A reliable event planning

business will provide a detailed breakdown of costs and be transparent about any additional fees. They should offer solutions that maximize your budget without compromising on quality or creativity.

COMMUNICATION & PROFESSIONALISM

Effective communication and professionalism are crucial in the planning process. Choose a planner who listens to your ideas, provides regular updates, and responds promptly to your inquiries. Their ability to manage logistics, coordinate with vendors, and troubleshoot issues efficiently will ensure a smooth and stress-free event.

REFERENCES & REVIEWS

Ask for references from past clients and take the time to contact them. Hearing firsthand experiences will give you a better understanding of the planner’s strengths and weaknesses. Positive feedback from satisfied clients is a strong endorsement of their ability to deliver exceptional results.

In conclusion, choosing the most optimal event planning business involves thorough research, clear communication, and careful evaluation of their creativity, experience, and professionalism.

By considering these factors, you can find a planner who will transform your event space into a breathtaking environment that leaves a lasting impression on your guests.