How To Guide 2024

Local Professionals and Services for all your needs

How to Choose a Roofer

Roofs are designed to withstand many years of abuse from the elements, but even the best can erode. You should inspect your roof on a routine basis, and if you notice stray shingles, a leak or falling debris has damaged your roof it may be time to replace part or all of it.

Roofing is expensive, so you’ll want to engage the services of the be st contractor you can find to do the job.

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

You can also look on the internet for roofing contractors in your area. Some websites offer lists of professionals, along with reviews of their work.

Personal recommendations will give you the best information. Be sure to focus on the quality of work as well as the cleanup process. You don’t want scraps of shingles and nails left over after the contractors have gone home. Don’t hire professionals who leave debris after they are gone.

Pick someone with a long track record

in your community. Some contractors travel the country looking for work. They appear after a community experiences a natural disaster or heavy storm. These contractors are making money from the insurance claims. If you hire one of them, they cannot provide realistic guarantees for their work. After all, they may be on the other side of the country if your roof starts to leak again.

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

Once you have contact information for several roofing contractors, call them. Inquire about the company’s background and how long they have been in business. Generally, a good roofer should offer a guarantee between five to 12 years. If the company has been in business for less than five years, it will be difficult to determine the quality of their work.

Continue to ask questions about time frames and estimates. You should always get a written estimate before proceeding with any work. Communicating with the contractor will let him know that you will be taking a hands-on approach to this project.

Find out if the roofers recommend

standard or architectural shingles, what they will do if they find damaged decking, and when they might be available to start. You should also ask about the warranty and whether you can have it confirmed in writing.

Every professional who works on your property should be licensed and bonded. Insurance is particularly important for roofing contractors. They should be able to cover any damages they might cause to your property. It is also essential that workers are covered under their insur-

ance as well, in the event someone is injured during the job.

Before work commences, you must receive a written contract from the roofer. Read it over carefully. It will state the type of materials to be used, what the work will entail and the final cost.

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.

How To Choose A

Carpet provides warmth and comfort, plus a comfortable place to sit and play. And if you care for it properly, there’s no reason to abandon carpeting. It’s comfortable, colorful and warm, and brings big design advantages to any room.

To be sure, the biggest drawback to carpeting is cleaning it. Stains are the bane of all carpet lovers, and any homeowner will quickly admit that keeping it clean is difficult and expensive.

While carpeting has advantages, keeping it plush, soft, clean and looking and smelling good is paramount to making sure it lasts as long as possible. Regular cleaning will help your carpet maintain its beauty and texture. But it’s also a tedious and difficult job that many don’t want to approach themselves.

That’s when you may want to enlist the help of a professional.

A good carpet cleaning company will be able to remove spots and stains. These companies can even often revive an older carpet by using special equip-

ment and processes.

Here are some things to keep in mind when selecting a carpet cleaner.

PROFESSIONAL STAFF

A carpet-cleaning company should have a professional appearance and demeanor. There are few regulations on cleaning businesses, so the professionalism of each company can vary widely.

Keep in mind, you will be bringing these cleaners into your home, so ask the company pertinent questions and make sure you are comfortable with their staff and process before hiring them.

Proof of their insurance coverage is a must. If the company doesn’t have insurance, you’ll be responsible for injuries or damage that occur while they work on your property.

You should also check whether the company subcontracts services to other providers, and get to know them as well. Talk to them about their background and any special certifications they have in their industry.

CLEANING PROCESS

Cleaner

Processes for cleaning carpets vary. A good cleaning can be achieved using chemicals, water, steam and heavy-duty equipment.

Learn about the company’s process and understand why they prefer one process over another.

Verify that the chemicals are safe and nontoxic if you have children or pets. Also be sure to check that they are not using anything that would be harmful if you have certain allergies to cleaning products.

Another consideration is how long it will take the carpet to be dry enough to walk on. If you need a quick cleaning, a dry chemical can shorten the dry time considerably.

HAPPY CUSTOMERS

References from previous customers can be a big help in choosing a good cleaning company. People are usually happy to tell you when they’ve received good services. They’ll also usually let you know if you’re in for a disappointment.

Your social network is a great place to ask about carpet cleaning companies. If they have found a great service, ask for

the contact information and get a quote for your own home.

You can search online for information about what to expect. Look at review websites to see what customers have said about each business. Of course, maintain a level of skepticism about anything you read. Even the best cleaners can leave a customer dissatisfied, so one person’s rant isn’t necessarily a reflection of what you could expect.

If possible, contact the Better Business Bureau to see whether there have been any complaints filed about a business and how they were resolved.

PROTECTION POLICIES

As with any service, you should ask your carpet cleaning company about their service guarantees. If they miss stains and spots will they return? How about if they somehow damage your carpet or leave your home with a lingering chemical odor?

If the prospective cleaning company gives a guarantee, it’s a good indication of sound business practices. So find a company with warranties and a spotless reputation, and you’ll know you have found a good carpet cleaner.

As more states continue to legalize cannabis for medical and recreational use, access to marijuana products in the United States is easier than ever before.

If you visit an “Adult-Use/ Recreational” shop, you need only be 21+ with a valid ID to enter. Medical shops service those 18+ with valid ID as well as with a valid medical recommendation.

If you’re shopping for legal cannabis for the first time, though, it can be intimidating. Here are some things to consider about the strains, products and methods of consumption.

START SMALL

Just like with alcohol, no one knows their tolerance level for cannabis until they’ve experienced it firsthand. That’s why one of the most important things to know is your experience level.

First-time users should start out with small doses of cannabis and avoid the products with highly concentrated levels of THC, the chemical responsible for most of cannabis’ psychological effects. A low-dose edible or small amounts of flower are advisable for people experiencing cannabis for the first time.

DELIVERY METHODS

While the most widely known methods for delivering the effect of cannabis is smoking it, that’s only one of many ways people can enjoy it. Some of the options include:

— Joints: By rolling cannabis in paper, often made from hemp, rice and bamboo, the product can be smoked like it has been for generations.

— Blunts: Rolling cannabis in cigar

How to Buy Cannabis

paper made from nicotine-filled tobacco plants gives it a unique flavor, but it adds health and medical risks that deter many health-conscious users.

— Hand pipes: Perhaps the most common smoking device available today, hand pipes are small and easy to use. They trap the smoke from burning cannabis, which the consumer can subsequently inhale.

— Water pipes: Devices such as bongs use liquid to cool the smoke from burning cannabis. Available in all shapes and sizes, water pipes offer a different sensation that some people consider more pleasant.

— Vaping: Health-conscious consumers often turn to products that deliver the chemicals from cannabis in a vaporized form. There are fixed models, which require a power source, and smaller portable versions that can easily be transported.

— Edibles: Foods or drinks containing cannabis are also available. They are known for having a significant psychoactive effect on the entire body. Be aware, though, that they have a longer onset time compared to smoking or vaping, which deliver the cannabis chemicals to the blood stream much faster.

— Tinctures: For controlled dosage and fast effects, some consumers buy a liquid cannabis extract that can be placed under the tongue. A few drops of the product can be easily measured, and it offers a quick response as it is absorbed into the body.

— Ingestible Oils: Falling halfway between concentrates and edibles are oils that you can ingest. You can swallow and digest them like food, but they offer consistent dosing like concentrates.

— Topical creams: While they don’t

offer the same “high” as other methods, some consumers buy products that can be applied directly to the skin for localized relief.

— Transdermal Patches: There is a new way to intake cannabis, and that is through Transdermal Patches. A transdermal patch is a medicated patch that is placed on the skin to deliver a specific dose of cannabis through the skin and into the bloodstream.

Which delivery method you choose is largely based on personal preferences, including dietary restrictions and one’s proclivity or aversion to smoke.

GET EXPERT ADVICE

Just like asking an expert mixologist or sommelier for their drink recommendations, most legal cannabis dispensaries have people on staff that are very knowledgeable about using the various products.

With so many strains, infusions, vaporizers and accessories to pick from, getting expert advice in person can be a much better use of time than scouring the internet. If you want good answers, go straight to the source: people who

know and use their products enjoyably. It’s also a good idea to seek out medical advice about diet changes or substance use. As always, talk to a doctor about anything that could impact your health for the most reliable information. Medical professionals in areas where cannabis has recently been legalized will likely be prepared to offer healthy advice on the subject.

RESEARCH THE LAWS

Finally, if you want to stay out of legal trouble, it’s important to understand exactly what the law allows in your state.

Every state has different requirements for cannabis consumption, including when and where it can be consumed.

You should also know the rules when traveling on airlines or across state lines, as laws can differ from place to place and are rapidly changing as cannabis legalization continues to roll out.

If you follow the laws, start with small doses, seek out solid advice and use it responsibly, cannabis can be an enjoyable experience that more and more states are making perfectly legal.

How to Choose A Painting Contractor

If you’re looking for easy ways to spruce up your home and increase your enjoyment of a room, a fresh coat of paint can work wonders. It’s among the least expensive home renovation projects, but doing it yourself is time-consuming and DIY jobs don’t always achieve the expected results.

A great paint job can transform a room or home o hiring a professional painting contractor can help ensure an expert job done right to your specifications.

Here a few things to keep in mind as you vet potential painters.

PREVIOUS WORK

When looking for a painting contractor, one of the first things to consider is their previous work and review history. It will give you a good indication of the quality you can expect. Make sure they are licensed and insured, as well.

DESIGN HELP

The best painting contractors will help

you avoid the costly mistake of choosing wrong colors for your home. A shade that is too light, dark or just “off” can ruin an otherwise good paint job.

True professionals will be patient with you. They will put several options on the wall so you can decide the best color and sheen. They will develop good relationships with you and an interior designer, if you’ve hired one.

DETAILS

Consider all the details before signing a contract. You should have all the specifications in writing. This contract should include deadlines, along with specifying costs and materials to be used.

When you have narrowed your choices, ask plenty of questions. Inquire about licensing and what kind of insurance policy they carry, who will be doing the work at your home and what kind

of preparations need to be made. If they are working on the interior of your home, you will likely need to move or protect your furniture before they arrive for the job.

After these questions have been answered satisfactorily, you can be confident you’ve chosen the right painting contractor. Then you can relax while your home gets an updated, fresh new look.

How to Choose An Insurance Company

Insurance for your home, car, 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.

Insurance guarantees you peace of mind and protection, so choosing the right insurance company is a worthwhile investment of your time. Premiums from company to company can vary widely, as can the type of coverage they offer. So, before you purchase a plan, 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 file an insurance claim previously, ask them about their experience.

Each company has a different customer service philosophy. Some 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

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, wellcapitalized 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.

The Gift of Kids Daycare and Preschool

Jennifer Kelly

5130 Golden Foothill Pkwy. | El Dorado Hills

916-521-1835

www.thegiftofkids.net

I would like to thank everyone entrusting us with your precious children since 1999. I love being part of this community and helping children learn and grow. With 4 children of my own (now 25, 22, 13 and 121), my own journey began in the daycare preschool eld because I was unhappy with the care and education I was receiving.

I have been blessed to have a large facility in El Dorado Hills where I employ 30 loving teachers and care for 200 children. We offer education and care for babies, Preschoolers, Pre-K, and private Kindergarten. Don’t be fooled by our large size, our teachers make each classroom homey and warm. The kids have lots of outdoor space to play, we are on over an acre and have 4 large playgrounds, a soccer eld, and a an organic garden. The Gift of Kids outdoor area gives the kids space to explore, garden, and play on age appropriate playgrounds.

I would like to thank everyone for their vote for #1 Favorite Preschool and continuing to trust us with your precious part of this community and helping children learn and grow. My own journey began in the daycare preschool with the care and education I was receiving for my own children who are now 19 and 16.

I have been blessed to have a large facility in El Dorado Hills where I employ 35 loving teachers and care education and care for babies, Preschoolers, Pre-K, private Kindergarten, homework tutor club and transportation Don’t be fooled by our large size, our teachers make each classroom homey and warm. It has been a bonus of Kids outdoor area gives the kids space to explore, garden, and play on age appropriate playgrounds.

The teachers at The Gift of Kids Daycare and Preschool include talent that brings us music, yoga, and even Teachers here are all educated in child development, CPR and First Aid certified, and make it a priority to

Over the years, not only have we focused on love and education here at the school, but we have also many local non-profit groups such as 3 Strands Global, Hands for Hope, American Cancer Society, Sports through High Schools, Serrano Kids movie night, and even contributed to the Concerts in the Park at the CSD.

The teachers at The Gift of Kids Daycare and Preschool include talent that brings us music, yoga, and even Spanish on a daily basis. We have been working with soccer shots for over 7 years and have a very structured and advanced curriculum! Teachers here are all educated in child development, CPR and First Aid certi ed, and make it a priority to continue their education. The Gift of Kids Inc. is celebrating 24 years in business, with 14 years in our same location, Business Park 1. We could not have done it without the many wonderful families here in the community that I have called home for 20 years! Again...Thank you from the bottom of my heart for helping me live out my dream in a business that I love and families that continue to bless us with their children. We have newly renovated the inside of our school, so come by to check it out and say hello anytime!

When not at The Gift of Kids taking care of the school, my hobbies include running, snowboarding, boxing, hiking, out doors.

How to Choose A Preschool

The majority of American children attend preschool. The numbers have remained steady for years, with more than 70% of 4- and 5-year olds enrolled in preschool.

Research has discovered that preschool helps children learn, develop social skills, as well as emotional intelligence. Preschool can act as both child care and learning centers, preparing young children for their education experiences to come while offering parents a muchneeded break. Children benefit even more, perhaps, from learning to get along with other children.

Choosing the right preschool is an important part of preparing your child for life. It’s the foundation for starting a good education, something that can have repercussions for years to come. But selecting a school will also be based on other factors, such as your schedule and the many types of preschools and the curriculum they offer.

With so many options for children, how can you pick the right one? Here are some things to consider.

TEACHER TRAINING

One of the most important things to consider is the experience, training and qualifications of the preschool’s educational staff. Some preschools focus more on learning specific skills and knowledge taught by fully qualified and certified teachers with college degrees.

The important thing is knowing exactly what training, higher education, experience and certificates are held by your child’s teacher. Only then can you decide if this is a good match for your expectations.

LENGTH OF DAY

Another aspect that can vary with different preschool programs is the length of the day. Some schools are designed around just a few hours per day, while others are full-day programs that offer more time for learning and play.

CURRICULUM

The best preschools do a great job giving your child a head start on life, and the curriculum they choose can be a big part of that foundation.

Find out what curriculum materials and teaching style the school uses. From the books they’ll be using to math basics and teaching social skills, know as much as possible about the learning process they use so you can make a better decision.

PLAYTIME PHILOSOPHY

Studies show that playtime serves an important role in your child’s mental and social development. When structured properly, a lot of education can take place during playtime when children are

free to learn and explore on their own. Ask about techniques the preschool uses to help children learn important things while having fun at the same time.

The best schools are adept at blurring that line between play time and school time, letting kids have fun but always with an eye on their development.

In the end, by finding a school with the right schedule, curriculum, staff and philosophy, you’ll be giving your child a great start toward living a happy, healthy, productive life.

How to Choose a Medical Clinic

We all want the best medical care we can afford. Often times we do not always have many available resources and choices. It is essential to find health care that can manage routine medical issues before an emergency strikes. Prevention is the key that opens the door to your wellbeing and you have the right to choose the best medical provider to help with this goal.

Selecting just the right medical center can yield far-reaching benefits for your mind and body. As a consumer, shop carefully to find the right center to deliver the health services you need in a professional and friendly way.

Here are some things to consider when choosing a clinic to meet your health care needs:

CREDENTIALS

Health care is a service and like other services, the proper credentials are important. Make sure the medical providers hold the proper credentials, training and certification needed to practice in your state.

Check with your state’s medical board to identify that your medical provider has all current records listed. Most medical boards facilitate online searches that indicate the medical provider’s education, degrees earned and medical board certifications medical professionals must have to practice. This is an easy method for patients to verify prospective medical providers and their background and specialties.

Experience and reputation in the community are also important factors

in selecting a provider. Ask your friends, family and coworkers! Some of the best medical providers have happy patients who are great resources, can share successful medical outcomes and positive office experiences. This is often the best way to get recommendations.

LISTENING

Aside from medical training and experience, listening to the patient is also important. A staff and providers who listen sets their practice apart from others. Does the staff listen to your needs, questions or concerns? Do you feel comfortable addressing financial concerns, questions regarding your bill and payment options? Effective listening validates your concerns and can help identify potential health problems, not to mention it is just good old-fashioned customer service.

.STANDARDS

While most medical clinics can provide the same basic services, look for those with high expectations on how they run their operation and care for patients. You should be able to see, after your first visit, how the clinic offers their services.

Is the office and waiting area clean and organized?

Do the employees and medical staff make you feel at ease?

Do they respect you and explain things in a way you understand?

How long will you have to wait to be seen for an urgent appointment?

Did you have enough time to ask questions and was there time to have your questions answered?

If you have an outstanding balance, will you be able to get an appointment?

A valued and appreciated staff cre -

ates an environment where everyone is respected, including their patients regardless of their ability to pay or medical coverage.

COMMUNITY

Finally, choose a medical clinic that is civic minded with a bigger goal in mind; helping to make the entire community a safer, happier and healthier place to live.

Often clinics are involved directly in their communities by supporting healthrelated events, organizations, or sponsoring other local healthy activities. Wellness activities such as yoga classes, nutrition or patient support groups also build a stronger and healthier community. Remember, it is not enough to just offer routine health care visits. When you find a clinic that meets these requirements you will know you have selected the right one for your health and wellness goals.

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How to Choose an Auto Body Shop

You own a car. You are, more than likely and unfortunately, going to need the services of a professional auto body shop at some point.

From dents and scrapes to fender-benders and more intense damage resulting from an accident, repairing your vehicle requires the services of expert professionals from an experienced, reputable auto body shop.

Not surprisingly, shops specializing in this service can vary in quality, reliability and cost. It’s not unusual for auto body repair estimates to differ by hundreds if not thousands of dollars. To get the best work at the fairest price requires an investment in time and asking the right questions.

Choosing the right body shop depends on many factors, such as the extent of damage, whether the costs are born by yourself or insurance, the experience of the shop with your make and model of vehicle and the shop’s history and reputation, among others.

Paramount to your search is finding an auto body shop that’s honest, trustworthy and dependable. That choice will ensure that your vehicle is repaired quickly, afford-

ably and correctly.

The shop you choose should be able to complete all manner of work, from a minor touch-up to a full-body repair.

Your friends, family and colleagues might have recommendations. After all, auto body shops are an unfortunate, but necessary, part of life for most people.

Have a list of companies, research each shop on the Internet and read customer reviews.

Testimonials, negative and positive, should be considered. But keep in mind that no business has a 100 percent satisfaction rate. Someone will always be displeased. Also, more people are likely to leave a negative rather than a positive comment.

A good source for finding an auto body shop is your local newspaper. Local businesses advertise and many times you can find special deals to help save you money.

Once you have created a list of shops, contact them on the phone and ask pertinent questions. How long have they been in business? What are their specialties? How soon can you bring your vehicle in for an inspection?

Ask to set up an appointment for a free inspection. Then further investigate the business. Look around their lobby. Is it

clean? Do they have their license and any awards or certificates posted? Do they care enough about their customers to offer reading material, coffee or water?

Consider prices. Are they comparable to other body shops? While you want to find a great deal, cheaper is not always better. Understand that you will often get what you pay for when it comes to auto body work.

Low prices may be tempting, but they typically mean sub-par work, used parts and paint that is incorrectly applied.

Feel free to ask the manager or owner for references before they work on your car.

You can also check their previous work. When you see a car with paint drips, pan-

els that are misaligned or paints that don’t match, look elsewhere. You will not save money if you need to have the improper work redone.

The shop should inspect your vehicle for repairs that are not readily visible. Often, there are hidden damages that cannot be detected until repair work begins on the vehicle.

Finding an auto body shop may not be the most pleasant business because it usually means your vehicle has suffered some kind of damage. But finding the right shop will make the experience much more pleasant and you will be happy with the repairs. Especially if you find the right shop that knows how to repair your vehicle so it looks the same as before, or even better.

Finding a Good Appliance Store

Appliances are so-called bigticket items, expensive purchases expected to last a long time. Because they are such a major investment, it’s wise to carefully consider which store you choose to purchase them at.

You might be lulled into a store after seeing advertisements and sales featuring new appliances with all the latest features and technology. Or you may just need to replace an aging appliance on its last legs. Either way, it’s smart to figure out what you really need, how much you can afford and which stores offer the best quality and deals.

Chances are you’ve already done some research or quizzed friends or family about their own experiences with various appliances, but shopping for one can be daunting. But it can also be fun.

These days appliance manufacturers produce items that have every conceivable feature to make your life easier. Exploring these innovations in home appliance technology can be an enjoyable and eye-opening experience.

We’ve put together some tips that can help you narrow your search and find exactly what you need. But first you’ll have to determine your budget and requirements — what you need, what you want and what you’re willing to pay for it.

Now, it’s time to go shopping.

SHOPPING ONLINE

First, do an internet search for appliance stores in your area. Local stores are easier to work with and you will likely be able to get your appliance much quicker than if you had to go out of the area or order it. If your refrigerator has stopped working, this is especially important. Many appli-

ance stores also offer free delivery in the local area.

You can get a good idea of the services offered by various companies via business review sites. Don’t dismiss negative reviews, but keep in mind that customers who have good experiences are less likely to crow on the internet.

Consumer Reports and the Better Business Bureau are also great resources for finding reputable businesses. To qualify for listing on the Better Business Bureau site, the business must be reliable and honest.

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

ADVERTISEMENTS

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

announcing the latest, greatest deals on appliances in your area.

Many stores will use price-matching to stay competitive. Not all stores have policies on price-matching, so be sure to ask first. If you can find a lower advertised price on the exact same product and model elsewhere, many stores will sell you the product for that price.

As always, conduct research on the appliance you need to make sure you are spending money wisely. Not all appliances are the same; just because one manufacturer was excellent two decades ago doesn’t mean the quality will be the same now.

STORE POLICIES

Review the store’s policies about warranties and repairs. If the appliance comes with a one-year manufacturer’s warranty, you might not need an additional warranty from the store.

Appliances have a yearly sale-price cycle. Washers and dryers usually go on sale during the winter. Refrigerators are often

discounted in the spring, with stoves and ovens dropping in price during the fall. If you don’t need it right away, consider shopping seasonally for the best deal.

Check to see what the policies regarding delivery and installation are. Some places will not install appliances without certain criteria being met. If you need an appliance that needs to be set for liquid propane, find out if their installer does this.

You could also haggle for a price, especially at a local appliance store. Salespeople are typically prepared for this process. If you are too shy or afraid of haggling, ask the store for extras, such as an extended warranty or free delivery and set-up. It never hurts to ask. They just might give it to you.

Consider these questions when you’re looking for an appliance store: Do they have a delivery window, warranty options, repair services and range of products?

Answer these questions, and know that you’ll purchase appliances with confidence.

How to Select the Best Financial Planner

AIt’s a common mistake to confuse financial planners with financial advisors. Although the fields are closely linked, it’s worth defining the specialities — especially if you’re choosing an expert in financial planning.

Financial advisors can offer a wide variety of financial services, but are most commonly retained to execute stock trades on behalf of their clients. They also offer investment and tax advice and are generally responsible for maximizing your investments.

Financial planners specialize in managing your money to meet certain goals, such as analyzing budgets and spending plans to save money, creating strategies for long- and short-term savings, and making plans for retirement or paying for college.

With the right questions and research, you can find a financial planner you can trust.

Seek referrals from your friends, family and trusted individuals who have built substantial financial reserves. If their modest portfolios have become bigger over time, a skilled financial planner likely played a role in that success.

Look at the educational and professional background of each recommendation. Find out if that person has worked with people who match your financial circumstances.

Financial planners who have undergraduate degrees in finance or business show a dedication to this work.

Verify that each prospect has the right certifications. Financial planners must have specific certifications in order to legally practice in the field. Credentials vary according to the location and advising type, but all must have formal train-

ing.

Once you are ready, meet with several financial planners to gauge their trustworthiness. Integrity is one of the key qualities in a good financial planner.

During the meeting, honestly explain your financial goals. Wealth building should be a goal. Minimizing risk and maximizing returns will help grow your resources.

Whether your desired outcome is to launch a small business or send your kids to college, share these thoughts with your

financial planner.

Also, don’t be shy about detailing your debt level. It is essential that the professional understands all aspects of your financial situation. It could motivate the planner to make your money work harder so you can break free from debt.

Finally, discuss compensation with any financial planner. Sometimes professionals are paid a flat rate, while others will receive a percentage from any profits made on investments.

These matters must be openly discussed,

so you can understand how his or her compensation may affect his investment recommendations. Some unscrupulous experts could advocate risky investment strategies for their own financial gain.

Taking the time to research will help you select the best financial planner in your area. You will be on your way to a healthier financial future.

Choosing a Private School

Every child has unique educational needs and no one knows more than an informed parent about how to choose a school, whether public, private or parochial. The decision is personal, and sometimes influenced by many non-school issues, like the unavoidable challenges of transportation, family finances, sibling relationships, and many other facets of family life.

Private schools can come in many flavors, and there are differences that parents should know. To begin, familiarize yourself with the different kinds of private schools: independent, for-profit and parochial. Independent schools are non-profit and governed by a Board of Trustees, which means that they pursue their mission and not a profit. For-profit private schools are owned either by an individual or a corporation. Parochial schools are schools that are affiliated with a religious organization and deliver religious instruction, as well as secular subjects, such as mathematics and language arts.

Before choosing the type of private school, begin by determining your child’s needs and what you are looking for in an educational environment. Research each school of interest, visit their website and read their mission statement because it should give you a good idea of what the school values. Don’t stop at just reading information online or in fliers, always take the time to tour the school and ask questions. You will get a good feel of the environment just by walking around and seeing the school in action.

So what is important to consider when determining the right private school? I have four primary considerations for any parent:

1. Let’s begin with the nature of the school itself. Is it an accredited institution? Accreditation is the process by which a school is evaluated to determine whether specific standards that have been set by the accrediting association have been met. This is an extremely important process and unfortunately not all private schools undergo accreditation. Therefore, they have not experienced peer review to assess and validate program quality and that they are complying with their mission statement. It is also important to make sure the accreditation is provided by an association that is recognized by colleges and universities.

2. Are the teachers credentialed? This, too, is critically important. Non-credentialed teachers may not possess the educational attainment or experience to bring children what they need in the classroom.

3. Are the classroom environments manageable? Talk to a teacher. Once a class exceeds a certain approximate size, teaching quality is compromised. While true for all grades of schooling, this is especially important in elementary and middle school. Smaller typically is better in terms of individual attention, fewer disruptions, and higher-quality learning.

4. Is the school focused on learning for learning’s sake? Good schools teach students how to love learning, how to harness their natural inquisitiveness, how to collaborate and how to lead, among other important criteria. They are less focused on strict quantitative achievement, and more desirous of helping students discover their interests. This takes the form of offering programmatic breadth to introduce and inspire interest not only in academic subjects, but in the arts, performance, athletics, and many other disciplines. In this case, more is better, as young people test

these interests and lifelong pursuits can be inspired.

One perception noticed with regularity is that prospective parents believe many private schools may only cater to students who are academic high achievers. This is decidedly not true. The goal of a good private school should be to offer a program that challenges each child at the level to prepare them well for the next phase of their educational journey.

Because private schools are typically selective, character is a substantial part of both the instructional program and the ethos of the school. There should be a commitment to a safe environment that sets high standards for discipline and respect.

Families are expected to participate as partners in many private schools through modest commitments of time to enrich the experiences of our students. Those

schools that don’t make this a priority or are not welcoming of parental involvement should be carefully scrutinized. The community environment is the key to a successful school.

As an intensely personal decision, choosing a school for your child should result from a balanced consideration of your family’s needs, the resources of the prospective school, and a host of other tangible and intangible factors. Informed parents should trust their instincts, use what they know about their children, and cast a critical eye at all of the objective data before arriving at a commitment.

Our children are our top priority and as such, ensuring the best educational environment is one of the most important decisions we have to make.

How to Choose Waterproof Luxury Vinyl Flooring

If you’re looking for flooring in areas such as bathrooms, kitchens and basements, where the chances for water damage are increased, wood flooring my not be your be choice. It provides resistance to water damage and comes in a variety of styles and colors that mimic the look of wood, stone and decorative patterns.

The most common type is vinyl planks that look like wood. The best luxury vinyl flooring also looks and feels remarkably similar to wood, with a grooved texture on the surface that reflects light and leaves the impression of real wood under your feet. It also has the same ease of installation as laminate flooring, usually with interlocking pieces that can be laid in place by professional installers or experienced do-it-yourself homeowners.

Here are some things to consider when shopping for waterproof luxury vinyl flooring.

LOOK AND FEEL

The first question to answer is one about style: What’s going to look best

in your home?

It’s a good idea to see samples of the floor in your home so you can see how it will look in your actual lighting and how it will coordinate with your paint, furniture, window coverings and overall decor.

Just like with wood planks, the direction you lay the floor can make a big difference to the feel of the room. Whether you run it against the longest wall, the shortest wall or diagonally, you should be cognizant of how the direction of the flooring will change the feel of your space.

THICKNESS AND PROTECTION

Vinyl flooring comes in a wide range of materials, too. One of the biggest differences between brands and types of vinyl is the thickness of the flooring. Thicker vinyl will feel stiffer, more substantial and more like natural wood when you step on it. A thicker vinyl plank can also help hide imperfections in the subfloor, too.

The more foot traffic your floor receives, the more important it is for you to choose an appropriately thick and durable wear layer to protect your flooring investment for years to come.

WARRANTY

That brings you to one last consideration: the warranty protection. Find out what kind of warranty your flooring company offers, both on the materials and the labor if there are any issues that require repair or replacement in the future.

A warranty is only as good as the company that promises it, so it’s a good idea to pick both an installer and a flooring material from a well-known company

that has a long track record of happy customers.

In general, higher priced, higher quality flooring will come with longer warranties, but that’s not the only thing to consider. Find out the specifics of what the warranty covers, too. The thoroughness of a warranty matters as much — if not more than — the length.

With careful shopping, you can find waterproof luxury vinyl flooring that is as beautiful as it is durable for years of enjoyment in your home.

How to Select the Best Hospital

Choosing a doctor isn’t the only critical personal health choice you will make. Choosing a hospital that has a history of positive outcomes and a caring staff can play a huge role in your health should you ever need it.

You may not be aware you have choices, much less spend ti care — ideally a modern campus with the latest technology, staffed by the most qualified personnel. So, taking time to look at different facilities in your area today, before you need medical care, can help you when you most need it.

A great hospital will have all these qualities, as well as striving to reduce infection rates, prevent mistakes and ensure open communication between staff, patients, and families. Public web resources such as calhospitalcompare.org, and hospitalsafetygrade.org compare the quality of hospitals on various measures.

Here are some factors that can help you choose the best hospital in your area.

LOCATION

Location will play a role in your choice. The hospital should be conveniently close to your home or workplace.

Some may only have one hospital in their area. Choosing a facility that is out of the way will not only add to travel time, but it is also not practical. When an emergency happens, you will need access to qualified personnel as soon as possible.

But if you have a medical condition and an alternative facility farther away specializes in it, that hospital might be a good choice.

You will have to balance convenience

with your personal circumstances.

DOCTOR PRIVILEGES

Your preferred doctor should have privileges at the facility you choose. Physicians send patients to specific hospitals because it is convenient for them. They are familiar with the site and can use the equipment there. Check with your doctor about where he can practice.

Insurance carriers will pay some of the cost of services from a preferred provider, including hospitals. Verify which hospitals are in your carrier’s network. If you choose a facility that is not covered by your policy, you run the risk of incurring significant charges.

ACCREDITATION AND CERTIFICATIONS

Another consideration is what other features a hospital may offer. For example, a hospital may be accredited with the Joint Commission, an organization that verifies specific standards of care within medical facilities. Accreditation means that they are passing frequent performance reviews. You can be confident you are receiving quality care.

Awards and other certifications indicate that a hospital offers consistent care. Visit the hospital’s website to see any awards or accolades.

Hospitals often have several areas in which they specialize. For example, two hospitals in the same city may offer care,

but one specializes in gastroenterology, while another has an advanced cardiac unit. Choosing the right hospital for your procedure will ensure you receive the highest level of care. In fact, some hospitals will transfer patients to another facility if it has better equipment and specialists.

Determining the highest quality hospital for your condition will help you achieve the best outcome during instances of illness or injury. Since hospitals offer a variety of care and service types, be sure to review all the options before you decide.

By knowing the facts and keeping your own priorities in mind, you will make a wise choice when selecting the hospital that is best for you.

Choosing A Spa or Above-Ground Pool Dealer

If you enjoy pools or spas regularly, you know membership fees can add up and with frequent visits you might begin to ask this question: Why not add a professional spa or pool to your home?

Why not? You can enjoy the relaxing benefits of water therapy any time you please — by yourself or with your family or guests — without sharing with strangers and the inconvenience of leaving your home.

SPAS

If you’re worried about the cost of owning a spa, you probably don’t need to be. Above ground spas have come a long way over the years, with regulations and technology that support you-the consumer-and makes owning and operating a spa more efficient and cost effective than ever. Installation is a cinch, and the benefits and joy they bring are innumerable.

Some people can also be intimidated by the chemistry involved in having a spa of your own, but most of todays high quality spas come with technology to make this part easy too! Ozone, UV, and advanced filtration are all options the best manufacturers offer, and with a great dealership behind your purchase, you can rely on their expertise for support as well. Other things that as a shopper you should consider: engineering, warranty support, pest proofing, durability details such as construction materials that can hold up to high outdoor temps, and jets with no moving parts.

Above ground spas can also be customized with stereos, ‘smart’ features to allow integration with your smart phone or tablet-even your Alexa or Google Home! You can even get colorful LED lights for safety and mood, aromatherapy systems, waterfalls, and safety features like grip bars and steps to make getting in and out safe and easy. All that can start easing your mind before you’ve even been in the spa to start easing your body.

The hydrotherapy offered by a hot tub or spa provides a myriad of benefits, including massaging sore and tense muscles, improved circulation, eases nerve pain and

fibromyalgia symptoms, joint pain, and, they can improve your sleep habits which can benefit nearly every aspect of your health and wellness. These miracle machines also come in a wide range of sizes and features to fit every families needs.

ABOVE-GROUND POOLS

At-home swimming pools are another favorite for health-conscious people. A Doughboy above-ground pool can provide your family with a swimming pool for a fraction of the cost of permanent built-in options, LITERALLY.

Many are unaware that above-ground pools can be installed below the ground to cosmetically mimic that of a permanent in-ground pool. You can also put them completely above ground or partially in-ground with decking and other features.

Cost of maintenance is another factor when considering an above-ground pool over a permanent in-ground pool. Built in plaster pools not only cost a fortune to build, but every 15 years the surface requires re-plastering. This expense can sometimes amount to $10,000-plus,

depending upon size. With above-ground pools you’re replacing a vinyl liner in the same time duration for under $3,000 (in most cases and with most sizes).

Installation can be done by the consumer with detailed step-by-step instructions, or by our professional, experienced installers for an additional small fee depending on the installation application (in-ground, semi aboveground, etc.).

Moving? Technically you can disassemble Doughboy above-ground pools and take them with you. This can obviously not be said with in-ground pools.

Another assumption is above-ground pools only have one standard depth of 4 feet. You can actually purchase expandable vinyl liners that allow you to dig a deep end of up to 7 feet!

With so many advances in home spas and swimming pools, combined with their affordability, it makes sense to install one on your property. After all, wouldn’t it be nice to have your own private resort without the hassle of leaving home?

How to Choose a Veterinarian

Owning a pet is a huge responsibility. It means care for a living animal that can’t take care of itself when injury or illness strikes. Pets, like humans, are vulnerable to many aff lictions and illnesses that require medication and treatment in order to keep them healthy. So fi nding a great veterinarian is the fi rst step any new or potential pet owner should take.

Pets age faster than human beings. Their bodies and internal systems can change rapidly, sometimes in a matter of a few months. Routine veterinary care will help your pet to live a longer and happy life.

Choosing a good veterinarian that suits you and your pet can seem like a diffi cult task. If you follow these guidelines, you should be able to fi nd a professional that will give your pet the best care possible.

ASK FOR REFERRALS

Your family and friends may know a

good veterinarian. Listen to their experiences with a critical ear. You need to fi nd someone who is professional, compassionate and timely. Ask specifi c questions, such as whether the clinic staff likes animals. Do they respond to concerns in a timely manner?

Research veterinary and veterinarian clinics on the Internet. Make a list of prospective candidates, then check with the Better Business Bureau in your state to see if there have been any

complaints against these professionals. How were the complaints resolved?

Some people need extra services, such as daycare, boarding facilities and pet training. You may also need to have your pet groomed. Find out if the prospective veterinary clinic provides these services.

MAKE A VISIT

After making a list of choices, visit the veterinary offi ce or clinic. Call ahead

and request a tour of facilities. The staff should have the time to answer your questions.

You should see a clean and well-maintained offi ce. Observe how the staff interacts with clients and pets. Are they warm toward the animals and owners? The employees should have an affi nity for animals.

Sit in the waiting area and introduce yourself to other clients. Find out if they are happy with the services and staff . Also, inquire about prices to verify it is within your budget.

If you feel uncomfortable during your visit, consider taking your services elsewhere.

Finding the best vet for you and your pet will take time and research. You should put the same eff ort into fi nding a doctor for your animal as you would in fi nding one for yourself.

The bottom line is that your pet’s health is a cooperative undertaking between you and your veterinarian. Finding the perfect vet for you and your furry, scaly or feathered friend will ensure your pet is with you for years to come.