How to Choose

How To

CHOOSE A special supplement from Napa Valley Publishing March 26, 2015

A2 — Thursday, March 26, 2015

How to Choose Home and Office Furniture ‌W hen you are looking to update your home or office, where you shop for furniture can make all the difference.

Whatever your style, it is always best to find a shop with excellent service and the kind of furniture that will last for many years.

So how can you find a quality furniture store?

First, consider the kind of furniture you need. What kind of furniture are you looking for? Are you looking to decorate your home or office with a more modern look with modern trends and styles?

Are you searching for a formal dining table? Perhaps you need to upgrade your child’s bedroom set? Maybe you need an ergonomically correct desk for your home office.

Get a feel for your sense of style. Look at the furniture you own already and imagine what will match your existing pieces. If you can identify your design preferences, it will be easier to find a store that fits you.

When you know your preferences, start searching for a store that matches your sensibility. Many stores cater to certain price points, while others focus on specific styles.

For instance, if you are searching for an oak dining room set — table, chairs, buffet and hutch — you should look for a store that sells what you want as a set.

Purchasing pieces separately is more work without any guarantee that it will look good together.

On the other hand, if you only need a nightstand, shop at retailers that sell pieces rather than only suites.

Concentrate on your sense of style.

If you prefer contemporary furniture, don’t waste your time in a country-style furniture store. While that store may have a tempting sale, your purchase will not make you happy in the long run.

Unless you are remodeling your entire home, your new pieces should match the overall decorating theme in your home.

When hunting for the right store, be aware of colors, textures and materials that will match your decor. Cohesiveness will add to the comfort level of your home.

Take a careful look around inside the furniture store. Do you see accessories that may provide striking accents to the pieces you already own? Does the furniture in the store match your interior color schemes?

By making a quick assessment, you

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will know if you should continue toward the showroom.

Look at the prices of different pieces.

Does the furniture offered fit your financial plan? If not, you might not want to stay and torture yourself with something you can’t afford.

The prices should be appropriate for the quality of the furniture. Handmade objects are usually more expensive than mass produced pieces.

Check to see if the store offers delivery service, set –up, assembly and placement of your new furniture. This is especially important if you don’t have transportation to get those wonderful pieces home.

Also ask about warranties and any specials for buying a set of furniture or a room of furniture.

With the right amount of investigative research, you will be able to find a great furniture store that can provide all the pieces of furniture you’re looking for.

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Thursday, March 26, 2015 — A3

Where fashion, quality and value matters.

Discover creations by award winning Designer Normand Couture which take the artistry of his designs to the highest level.

Monday – Closed BENICIA – Saturday 990 Grant Street Tuesday 10 am – 5 pm 707-747-1383 Sunday 11 am to 5 pm SAN FRANCISCO 151 Vermont St., #8 415-525-3725

www.ironhorsehome.com

Monday – Tuesday 10 am – 5 pm Wednesday - Saturday 10 am – 7 pm

Sunday – Closed

A4 — Thursday, March 26, 2015

Submitted photo‌

How to Choose an Electrician

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t’s tough to imagine life without electricity. Adjusting the thermostat, flipping the light switch and turning on the heat would be futile without an uninterrupted supply of power.

Problems with the electrical system and wiring in a home are not problems for average people to solve. Trained professionals can skillfully and safely rewire a home or connect a lighting system.

Do-it-yourselfers understand that electricity can cause grave injury or even death if handled improperly. There is also the real possibility of electrical fire if the repair is done improperly. It is wise to hire a licensed electrician to make any electrical repairs.

Consider these tips when you are

searching for a qualified, licensed electrician for your project: 1. Don’t postpone a repair. Flickering lights or an outlet that doesn’t work is a sign. At the first opportunity you suspect a problem, ask your family and friends to recommend an experienced electrician.

You can also look online for qualified professionals.

2. Contact three or four electricians and request information about their licenses, availability, experience and rates.

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

4. Ask for references from recently

completed projects. A reputable electrician will understand and gladly comply. If he or she cannot provide references, they may do substandard work or not have recent experience.

5. Check with the local better Business Bureau for complaints. Even the best electrician will have a disgruntled customer or two, but if there are any complaints, find out how those complaints were resolved.

6. Get estimates from two or three electricians. They should come to your home and speak to you about the job.

These estimates will allow you to compare rates and make an assessment of their appearance and work habits.

7. 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 questions and get answers in writing before you sign a contract or agreement. Ask about guarantees and warranties.

8. 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.

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

If you follow these suggestions, you will likely find the best electrician for your repair or remodeling project.

Thursday, March 26, 2015 — A5

Over 75 Years of Quality Experience!

Napa Electric has a broad range of electrical experience. We are ready and willing to do our part to make your next project a success.

Our projects range from small service work to multi-million dollar projects in various industries. We value our customers business and realize that quality and reliability are the essence of success and longevity in the electrical contracting industry.

Our highly trained staff will provide you with the integrity and professionalism you deserve, and the highest value for your money. It’s a simple fact... doing the job right the first time always costs less than doing it twice.

Napa Electric is now installing solar systems and car chargers. We can offer the knowledge and service you deserve along with the best quality products. Reduce or eliminate your electric bill and utilize clean, renewable power. Free on-site consultation available.

Residential • Commercial Industrial 707.252.6611 • www.napaelectric.com 2240 Brown Street • Napa

A6 — Thursday, March 26, 2015

How to Choose a Plumber

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ny homeowner will tell you that plumbing issues are a nightmare.

They can become a major problem in old or modern houses. Sometimes, you can use a plunger or liquid product to unclog a drain.

Sometimes, however, you will need something stronger.

If you are experiencing chronic problems, you will need to call a professional.

The issues may be far bigger than you can handle on your own. A professional plumber can determine if your septic system or equipment need to be serviced or replaced.

A competent, experienced professional will ensure your house stays comfortable and sanitary. Here are some tips to help you find the best plumber.

Choose Ahead of Time Start your search now, before something bad happens.

Waiting until you have an urgent need is a common mistake. Emergencies leave you open to dealing with unscrupulous people. There is also a good chance that you will pay too much for their services.

As soon as you can, begin your search for a plumber to service your home.

Ask for Recommendations Friends and family members may be able to refer you to an excellent professional. Good word-of-mouth recommendations are the best way to find excellent service. Look for people in your local area. Sometimes, plumbers may charge extra if you are not in their designated service region.

Search Online Consider looking online for a good plumber. Just remember that information on the Internet is not always correct.

Be mindful of who is giving a stellar customer review. Look closely for complaints about shoddy work or high prices. Dissatisfied customers are more likely to talk about their experiences.

Of course, one person’s bad experience may not accurately reflect what you can expect. Look for multiple reports from different sources before drawing a conclusion.

Compare Prices Cost should always play a role in picking a plumber. Contact at least three different plumbers to get an idea of the differences in labor and material costs.

They should be able to provide you with estimates for different services.

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It is vital that you find a professional who knows what he is doing. Whatever you save up front could turn into extra expenses down the road if the work isn’t done correctly.

Ask Questions Asking questions is the best way to form expectations. Not only should you understand labor rates, but you should also know if there are any guarantees on work. Find out how long the plumber has been in business and where he received his training.

The bottom line is that you need to hire someone who cares about their customers and their homes. Conducting a thorough search before an emergency will prevent you from being disappointed.

Thursday, March 26, 2015 — A7

24 HOUR EMERGENCY Over 25 Years of Professional Plumbing Service

RESIDENTIAL • COMMERCIAL NEW CONSTRUCTION Drain Cleaning

Service • Repair Video Inspection • Septic Service Hydro-Jetting

Water Heaters: Gas • Electric Certified Tankless Specialist

We Accept: Certified

Napa / American Canyon 707-226-9232

St. Helena / Calistoga 707-967-9271

A8 — Thursday, March 26, 2015

How to Choose a Roofer

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s your roof looking shabby and missing shingles? Are you finding little leaks here and there? Perhaps it’s time to start looking at replacing the old roof with a durable and good looking new one.

Putting a new roof on your home can increase its value, it is also a necessity. A licensed and manufacturer certified roofing contractor is the most qualified person to perform this work.

They will install a new roof safely, effectively and the way it was made to be installed.

Quality roofers will provide a manufacturer backed material and labor warranty for their work. If there are any problems with your new roof in the future, they will fix the problem free of charge.

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, Yellow Pages, Better Business Bureau or Contractor State Licensing Board for roofing contractors in your area. Some contractor specific websites offer lists of professionals, along with reviews of their work.

Personal recommendations from tradesmen 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 and someone that has been working under the same name.

Many contractors have been working in your area for many years but change their names to get out of trouble and the shoddy work that they performed in years past. There are even contractors that travel the country looking for work. They appear after a community experiences a natural disaster or heavy storm.

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These contractors are making money from the insurance claims. If you hire one of them, they cannot provide realistic guarantees for their work as they are usually out of state and only required to work under their state of origin guidelines. 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, earthquakes, heavy rains or hurricanes. It is good to know who to call if your house needs repair work. Make sure your contractor has an office that you can go to.

Cell phones and P.O. Boxes are hard to get hold of and easy for someone to hide behind when business gets busy. The more permanent their place of business is the more they likely be there when you need them.

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 of anywhere from 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. Only hire a roofing contractor that can offer you workmanship warranties that are backed by the manufacturer of the product that they are installing. When a manufacture is backing the person that is installing their product you know it is going to be installed correctly as they are trained by the factory. Manufactures will give a long warranty on a product only to not stand behind it when a warranty claim comes about because it was not installed by a certified installer.

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 about the material they are recommending, what they will do if they find damaged decking, and when they might be available to start. You should also ask about the material and workmanship warranty and have it confirmed in writing. If you get a lifetime material installed and it is installed poorly you could end up paying to replace the roof in just a couple of years if it past the workmanship warranty of the original installer.

Every professional who works on your property should be licensed and bonded by a third party. Check the amount of coverage they have. If your house is worth over a million dollars and the contractor is only insured for 500,000 then you could be paying the balance if your home is destroyed. 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 insurance as well, in the event someone is injured during the job. Ask the contractor if they are going to subcontract any of the work. If the answer is yes you need to get all of the subcontractors’ information as well, as their work and insurance is only as good as the subcontractor they are using. Before the contract is signed tell your contractor that you will want to be named as additionally insured on their insurance policy. This will assure that they will be on the up and up with your project and their insurance coverage. Before work commences, you must receive a written contract from the roofer.

Read it over carefully. It should state all of the type of materials to be used, (not just the main product) what the work will entail and the final cost. If all the materials are not listed you can bet the contractor is using the cheapest of all the components of the roof in order to save on cost.

As a consumer you need to remember that this is construction and not a science.

Every roof is different even in a planned community. Things will pop up that are unexpected and schedules will change due to things that are out of your control due to weather, prior contractor projects or man power.

You wouldn’t want your roofer to walk off your job before he is finished to start another project, so don’t demand that they do it for you. It is better to wait for the contractor to start when they are ready rather than to insist they start on a specific day. This will insure you get the best manpower rather than who is available. Following these tips will help you find the best roofing contractor in your community then you can rest comfortably knowing that you made the best possible decision.

Thursday, March 26, 2015 — A9

Service Since 1952..

A CompANy to RemembeR for over 63 years!

Modern Method Roofing Construction is family owned and operated. Our company has been in business for the past 63 years, with a long list of customers who have benefited from our years of roofing experience.

Because we have been in business for so long, our customers trust us, knowing we stand behind our roofing installations. The Modern Method Roofing Company Team is committed to professionalism, excellence and perfection in workmanship. Our Long-Term Warranties and Leak Free Workmanship Warranty are well above industry standards, and when you get a roof from us, you benefit from a company that’s been operating in the Napa Valley and North Bay Counties for 63 years – We have been tested by time, and we are trusted by customers.

Modern Method Roofing Company has approximately 50 employees who perform all aspects of the roofing & waterproofing trade.

Our roofing team is qualified and knowledgeable in all applications of the roofing process. Modern Method backs all of the work provided by our roofing experts, who meet or exceed national roofing installation standards.

Our skilled team of roofers & water proofers have been screened and reviewed for • Craftsmanship • Reliability • Timeliness • Customer service We cover many North Bay Area counties and are fully insured with 2 Million Liability coverage and 1 million in Workman’s Compensation insurance.

Our office, sales and management team will support you from your first contact, whether it is by email or a phone call, all the way through to the completion of your roofing project.

If you have a roofing question, look at our Roofing FAQs section for answers to some general roofing and technical questions. Additionally, for your use, there is a glossary of roofing terms you can check out while you’re visiting our website. Contact us for a free estimate or Water proofing evaluation.

Customer service is our number one priority.

180 Coombs Street, Napa, CA 707-255-8090 Lic# 704733

A10 — Thursday, March 26, 2015

How to Choose a Solar Company

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t’s not just about the environment anymore, but about potentially saving you quite a bit of money. Putting photovoltaic solar panels on your home or business can lower your energy bills, help the planet and add value to your property. No wonder more Americans are turning to solar power with each passing year. That also means more companies are offering to install solar panels these days.

It’s a big decision that you will have to live with for a long time (20~50 years), making it important to pick the product and installer that will result in the best longterm benefits for your situation.

Here are some things to consider when choosing a solar company.

DO YOUR RESEARCH Research online to get an idea of what going solar is all about. Be sure to completely understand the difference between leasing, power purchase agreements(PPA), cash purchase, and financed purchase so that you can select the one that provides you the most benefit. Also familiarize yourself with the difference between central inverters and micro-inverters.

3 WAYS TO GO SOLAR: 1) Cash Purchase: The solar system can be purchased either by using one’s own personal funding (cash), or taking out a loan.

With purchase, there is no increase in the cost of the electricity produced by the system over time, and the Lawrence Laboratory in Berkeley has shown that the value of the property will go up, oftentimes by a greater amount than the cost of the system.

The simplest and most direct way of paying for your system that gives you the best ROI (Return on Investment) is a cash purchase. You will also save the most money this way.

2) Financed Purchase: Even if you finance the purchase (take out a loan) you own the system. The payments can be structured like a lease (no money down), but you own the system from the get-go and are eligible for the 30% Federal Tax Credit or any other benefits that goes to the owner of the solar system. Everything considered, it is very likely that you will have paid off the loan/purchase with half the cost of a lease.

Some banks (e.g. Umpqua Bank) now offer renewable energy loans that can have lower rates than a home equity loan, and unsecured solar loans may be

available from the solar company to help you purchase a solar system.

Property Assessed Clean Energy (PACE) Loans also became available and are becoming popular since the end of 2014. The loan is NOT tied to your credit score, basically requires you to have at least 10% equity on the house, and is paid twice a year as a lien in the property tax (it does not follow you if you move). It takes only minutes to find out how much your property is eligible for by simply typing in your address. Some popular ones includes the CaliforniaFIRST program (https:// californiafirst.org) and the HERO program (https://www.heroprogram.com).

3) Leases/PPA: If your credit score is good enough, you may be able to lease.

The Leasing/PPA companies say they will put up the system with no money down, but since you don’t actually own the system, another way of looking at it is that you are allowing them to install a system of their choosing that is owned by them on your roof for free to sell you electricity that it produces. A solar lease/PPA requires you to make monthly lease/PPA payments that should be lower than what you would have paid the utility company.

Make sure you understand that since they own the system they (not you) get the 30% Federal Tax Credit or any other benefits that goes to the owner of the solar system, the lease rate may increase over time, and if you do sell the property you will have to find someone who is willing to take over the lease or you will have to pay an early terminate penalty. Leasing may be a good option for those who have no tax liability, and for those who have less than 10% equity on the house.

REPUTATION In a fast-growing industry like solar energy, it’s especially important to know the reputation of the company you’re dealing with. There are old and new companies in the marketplace, but that doesn’t mean any of them necessarily offer the best service or will be around to support their product line years from now.

Look for stability in your solar installer.

You’ll want to find a company that has developed a great reputation over a number of years with a track record of satisfied customers from projects similar in scope to yours.

LOCAL COMPANY? If there is a local solar company, check them out as well. Most local companies have vested interest and are contributing

members of your community, and know their livelihood is based on how well they service their community. A good start is checking out the local Chamber of Commerce website (e.g. the Napa Chamber of Commerce Business Directory) and searching the keyword “solar.”

THE SYSTEM There are a wide range of solar panel systems on the market, and the technology itself is going to be a big part of your decision. Your solar system can be tied to the existing electrical grid or be completely off the grid, for example, which will require different equipment and setups. No matter what system you decide on, the key thing you’ll be looking for is efficiency, and that means understanding both the energy generated and the cost of doing so. Price efficiency can matter, too, because you don’t want to find yourself spending a whole lot more money for just a tiny increase in power. Likewise, if a slightly bigger investment can yield a large boost in energy generated, it can make sense to spend the extra money.

Look closely at the math, and pick the system that gives you the best return for your money. If not provided by the solar company, calculate their system’s “Cost Per Watt (CPW) installed” to compare the pricing of different solar companies. The CPW is calculated by dividing the total cost of the system (before the 30% Federal Tax Credit) by the total watts of the system (if in kilowatt, multiply by 1,000 to get watts).

Many solar systems will pay for themselves over a number of years. The solar companies you talk with should be able to provide you a written estimate as to the time it will take for the accumulating savings from going solar to pay off what you paid for the system. Once paid off, the electricity produced by the system is free!

PERFORMANCE GUARANTEE AND SCHEDULED MAINTENANCE If a purchase, ask what the manufacturer’s warranty on the panels and inverters are. The top of the line ones are 25 years. Also ask about the workmanship warranty of the company that will be installing the system.

If a lease/PPA, they own the system.

They normally include a performance guarantee, but in regards to their “scheduled maintenance” you should ask them to provide you with a written document of what exactly that entails and at what regular intervals it will be done. Understand

that the scheduled maintenance should be different from the manufacturer’s warranty provided by the panel and inverter makers. Most leasing/PPA companies use central inverters that they will need to be switched out after about 10~15 years.

30 PERCENT FEDERAL TAX CREDIT AND OTHER REBATES If you purchase, either with cash or financing, you own the system and will be eligible for the 30 percent federal tax credit and other applicable rebates/benefits. This is not available for leasing/PPA. DOOR-TO-DOOR SOLICITORS/ AGGRESSIVE SALESMEN Too often we hear or experience persistent door-to-door solicitors and/or aggressive salesmen from the solar industry. The following are some ideas on how to deal with them.

1) DOOR-TO-DOOR SOLAR SOLICITORS Ask them to show you their solicitor permit. This is required in many areas, including Napa. Most out-of-town solicitors don’t bother, especially since they have to go through a background check by the police. If they can’t show you a permit, you really don’t know who you are opening your door to, and it’s just unfair to you and the local companies.

2) AGGRESSIVE SOLAR SALESMEN Most solar companies have salesmen who are highly commissioned and incentivized to make you pay the highest price possible. Some of them will sit inside your home and talk at length, mentioning all sorts of “discounts,” trying to lure you into signing up immediately. Quite often, even with these “significant discounts” the final price can be higher, and/or the quality of workmanship and materials inferior, then what they should be. When they say, “…you can always decide not to do it even after signing because you can cancel it afterwards..,” they know that once you sign up you will feel obligated to honor it.

Tell them you want a written estimate and that you will get back to them. Hearing this, they will understand you are getting multiple quotes, and will provide you with their best price. If they continue to pressure you to sign then-and-there, be very wary of taking a chance with them.

CONCLUSION Choosing a solar system to be installed by a well-regarded company can be a wise financial move that can save you a substantial amount of money. Just make sure you do some research!

Thursday, March 26, 2015 — A11

Your Local Napa Company

OUR FOCUS IS ON A QUALITY INSTALLATION TEAM AND NOT A SALES TEAM

Lic.#961800 Ben Goode photography

Our goal is to contribute to sustainability in the Napa Valley, and help you make an informed decision about going solar.

We don’t have any highly commissioned salesmen and you meet directly with our system designer.

There is one less person to deal with, no high-pressure selling, and this allows us to provide superior workmanship using the highest quality materials at the best price possible.

The site/roof assessment by our system designer can take as little as 15 minutes. He will also explain why our workmanship is superior, answer any questions you might have, and give you our best price upfront.

Of course, it’s free with no obligations!

PURCHASE ONLY (Not a Lease): Our systems are purchase only and we provide a turn-key solution for your solar needs, including the life-time monitoring of the system.

You will own the system and receive all the benefits. There are also zero-down options for purchase.

OUR SYSTEMS: We use only the top of the line components, which includes panels from Suniva (www.suniva.com) and micro-inverters from Enphase (www.enphase.com), both leading U.S. owned companies that provide a 25 year manufacturer’s warranty. We also can provide systems with any panels or inverters you may have a preference for.

MAINTENANCE: What maintenance?

A properly installed solar system using Enphase micro-inverters requires virtually no maintenance other than a good cleaning every year or two (a service Green Stock Solar also provides).

SIMPLY CALL OR EMAIL: We don’t want to be intrusive nor waste your time.

Let us know your average monthly usage or electricity bill, and we can email you a preliminary estimate, including the Return on Investment (ROI) and pay

back time.

If you like what you see, we can then schedule a system designer to assess your roof and give you a quote.

If you received a quote from another solar company, and you provide us with the quoted system size (leaving out the price, to be fair), we would be happy to provide our own quote for a comparable system so that you can compare

LOWEST QUOTE UPFRONT,

BY PHONE, EMAIL OR WHEN YOU MEET WITH THE SYSTEM DESIGNER. PHONE: 707.260.5548 / 925.998.8929

info@greenstocksolar.com WWW.GREENSTOCKSOLAR.COM

A12 — Thursday, March 26, 2015

How to Choose an HVAC Company

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rolong the life of your HVAC system and prevent equipment failure by hiring a qualified professional to service and maintain it.

When your heating or air conditioning system fails, it can be a nightmare.

Whether it is a cold winter day or sweltering hot outside, the HVAC system in your home is important to your comfort and safety.

Most people cannot tolerate extreme temperatures. The elderly and people with chronic health problems need to have the temperature stabilized in their homes.

The best HVAC contractors are helpful and reliable, but a poor contractor can cost you extra money and heartache.

Ask people in your social network whom they might recommend. Good word of mouth will go a long way toward helping you find the best professionals in your area.

After creating a list of candidates, call the Better Business Bureau, your state’s board of contractors or the builders’ association to check on their reputations.

Your town’s building inspection office may also have information for you. Avoid companies who have many complaints on their record.

Upon narrowing the list, call the remaining ones and ask about pricing, guarantees and warranties. Also inquire about how long it would take to complete a job and the manufacturers’ brands they use.

If you are purchasing new equipment, find out if you need a separate service contractor or if routine maintenance and repairs are included in the price of installation. Does the company provide around-the-clock emergency service?

High quality HVAC companies are fully licensed, bonded and insured. If a worker is injured or causes damage to your property, that insurance should cover it. Otherwise, you could be liable for the damages. Your insurance premiums would likely increase as a result.

Before any work begins, verify that all the required building permits are in place.

Most companies will file permits on your behalf at the local building codes office.

But don’t assume that it has happened.

Check with the permitting office first.

Work done without proper permits could result in a fine and time delay.

Have a load calculation done before installing a new system in any building.

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The best companies perform a thorough calculation rather than estimate. Buildings change over time due to foundations cracking or settling.

It will affect the efficiency of any equipment.

The HVAC company shouldn’t use the old unit to determine the proper size of a new one. If your old unit was inadequate, you will want to install a unit that is a different size. Speak with your HVAC installer to determine the right size and model for you.

Ask your HVAC contractor to perform annual checkups to verify that the unit is running at peak efficiency.

With these tips, you can choose a reliable HVAC business that will help you for years to come.

Thursday, March 26, 2015 — A13

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A14 — Thursday, March 26, 2015

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How to Choose an Architect

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or some time now you’ve been wanting to remodel your house or maybe your office needs expansion.

Does your office or home need to be made handicapped accessible? You probably need an architect to help you define the project, draw plans, gain approvals and develop a budget.

Where do I start?

Before you hire anybody, sit down and outline your project. Think of everything you want to accomplish, then prioritize importance. Gather magazine tear-outs and on-line images of your vision. Find any existing plans as starting points or discussion. Then start talking to various architects. An architect will help you sort out the important and less immediate problems as well as define code and municipal requirements. An architect will help turn your vision into a reality.

There are many things you can do yourself to help expedite the project. Start by calling the city or county planning department to see what your zoning allows.

With an AP or appraisal parcel map, usually found in your title report, you can start to define the work. You could also check with the local building department to see what drawings or permits may be on file. While

an architect can do this, the more you discover ahead, the easier the process.

Who should I hire first: an architect or contractor?

It’s difficult to hire a contractor before you have a plan to define the scope of work. An architect will develop that for you. Once you define the project and have an idea of the costs and fees, you can then talk to contractors who specialize in your type of work.

A good architect will make the process go smoother, navigate the municipal process and provide a more comprehensive picture of the project. He/she should be able to help develop a financial budget but this really depends on the final plan.

Should I talk to more than one architect?

Discussing your plan with various architects will help you get a better perspective of the project and give you an indication of your potential relationship. Early discussions and a meeting should be complimentary. Since ease of communicating

and understanding the municipal process are essential, hiring a local architect is best. Experience does count so long term involvement in the community is essential. Interview more than one architect and ask for references, length of time established and their license numbers. You can to check with the better Business Bureau, Yelp and most importantly, the State of California Consumer Affairs to confirm license and check for any violations. Ask for a written proposal that outlines scope of work, schedule, fees and payment process.

What should I expect to pay an architect?

Architects generally charge for services based on hourly rates or fixed fees for specific tasks. Fees based on percentages of construction cost are not appropriate. Ask for hourly rates and general fees for similar projects. Review the architect’s portfolio, usually on-line, and talk to the architect’s references. While some fees are easy to define, other tasks may arise in the project

so be clear about additional services. Verify if the architect assists in bidding or construction services.

Who else will I need for the team?

You may need a structural engineer, an energy consultant or a civil engineer and the architect can help define their services.

With today’s strict earthquake requirements a structural engineering is necessary.

These services can be provided under the architect’s umbrella or you may wish to hire directly from the architects recommendations.

What kind of hardship should I expect with a construction project?

If the project is a home renovation, it’s important that your whole family be on board. Everybody may have to make sacrifices in the process such as limited bathroom or kitchen use, possibly the temporary loss of a living room or bedroom.

Construction projects seem to always take longer and are Season-sensitive.

This is your decision.

A qualified architect will give you drawings and documents to define the scope of your project and expectations. Your collaboration during the process is essential so be sure you feel comfortable with the team interplay.

Thursday, March 26, 2015 — A15

A16 — Thursday, March 26, 2015

Tips for Selecting the Right Mortgage Lender for your purchase, or refinance ‌ T he real estate market is hot right now in Napa County, so it is best to do your homework and select a lender to work with well ahead of putting in an offer to purchase a home.

You’ll need to get pre-qualified and pre-approved, so that when you decide to purchase you can provide that preapproval to the seller, or their listing agent with any offer to purchase.

Because of the Mortgage Meltdown in 2007, new regulatory and compliance mandates are in place that any lender you choose will need to deal with. This means that you will generally be required to show current paystubs (profit and loss if selfemployed), 2 years of income tax returns, W2s, 1099s, 2 months of asset statements (bank, brokerage and retirement), home owners insurance information, copies of driver’s licenses, plus additional documentation that may apply for your particular circumstances. There is a lot of information and documentation of that information that is requited right now. The more complete the documentation you provide to your lender, the less problems you’ll have as you go through the buying or refinancing process. Also, be prepared to explain in writing any unusual or special circumstances that have affected your income, credit and assets.

SEEK LOCAL LENDERS Seeking out a mortgage lender in your community is the best option. Interest rates vary on a daily basis. A local lender will know the rapid changes happening in the community’s housing market. They will understand how these changes may affect you.

Local lenders can monitor your loan application closely, and will be more accessible to answer any questions you may have and be prepared to provide an interest rate lock through the closing of your transaction.

TAKE ADVANTAGE OF PERSONAL REFERRALS Ask your friends and family about their

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experience with mortgage lenders. They may be comfortable recommending the same professionals they used for their home loans. Word-of-mouth is often the best way to identify quality professionals in your area. Once you have a list of possibilities, verify their backgrounds so you can will confident in their ability to help you.

COMMUNICATE WITH YOUR LENDER The best mortgage lenders will focus on understanding your long-range financial goals. They will ask you how long you intend to remain in this new home.

Your answers will help him find the best

mortgage products to suit your needs.

It is a red flag if a lender fails to ask you this type of question. The best mortgage professionals are knowledgeable about their loan products. They are willing to spend as much time as possible to explain them to you. They take pride in guiding you through what could be a confusing process. They keep your best interests and financial priorities in mind.

PURCHASER’S RIGHTS The mountain of forms, declarations and even financial terminology can be daunting to inexperienced homebuyers, even the experienced ones these days! It is always smart to exercise care during

the home-buying process or refinancing process. Extra costs can be avoided if you take time when signing all agreements and make sure that your loan officer clearly explains all the term and commitments If a lender is rushing you through paperwork and pressuring you to sign forms, he or she is not doing their job properly. However, time commitments on interest rate locks and purchase contact obligations are very important to keep in mind. So, it may be necessary to move and make decisions fast in order to take full advantage of the current market. Your lender should be able to clearly explain the importance of these time frames.

Thursday, March 26, 2015 — A17

WONDER ABOUT THAT MONTHLY PAYMENT? FIND ANSWERS

www.customlending.net We have all the mortgage and budget calculators you need. Run some fun numbers and some real ones. Then give us a call, anytime, to find the perfect mortgage for you.

Real Mortgages For Real People!

Mortgages can be intimidating – there are a lot of things to consider.

But you don’t have to waste hours on research. We’ve done it for you at www.CustomLending.net There, you’ll find answers, mortgage information and calculators, online applications – the works.

Accessible 24/7 – to fit your schedule.

As a mortgage broker, we search high and low for the best rates and use lenders across the country to best meet your needs!

Visit our website for the following free reports & financing tips: • How to stop renting & buy sooner • How to pull together a down payment • Five financing mistakes to avoid • Can I buy a home with damaged credit?

• Fixed vs. Variable – which do I choose?

• How are pre-qualifying & pre-approval different?

• How do I pull cash out of my home?

• How can I eliminate my high interest debt?

• What exactly is an interest only home loan?

• Mortgage brokers vs. mortgage bankers • Is a Reverse Mortgage right for me?

• VA Military Loan Benefits

Or call us with any questions you may have! It’s just another example of the service you can expect at Custom Lending Group.

1700 Soscol Avenue, Ste. 22 Call Dale at 252-2700 x 109 dale@clgroup.net www.CustomLending.net

California Association of Mortgage Professionals 29yrs experience to help you.

CAL BRE lic.#00966782 NMLS #298353/845079

A18 — Thursday, March 26, 2015

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Choosing a Credit Union

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n these economic times, many people are finding out that credit unions have a lot to offer. Most credit unions offer the same services as a traditional bank, and can be a great place to find financial solutions, while at the same time helping your community.

Credit unions are typically not-for-profit cooperatives owned by their members. Credit unions often charge less in fees than for-profit banks. All credit union earnings go to benefit the members, whereas with banks, earnings often go to benefit outside shareholders.

Because earnings are reinvested, credit unions are a good deal. They usually offer better interest rates on savings accounts and competitive rates on various loans. You might get a fantastic rate on a personal loan, mortgage, auto

loan or credit card. – as an added bonus, credit unions often rank higher than banks in customer service.

Also, the federal government stands behind credit unions.

Deposits are insured up to $250,000.

Selecting a credit union is not difficult.

The first step is to research those in your community and their membership requirements. Almost everyone is eligible to join a credit union. Most credit unions serve anyone living or working in a specific geographic area, though some credit unions are available to employees of specific companies, groups of public service or school employees.

A simple Internet search

is an excellent starting point.

Develop a list of credit unions in your area. Then narrow your possibilities by researching eligibility, services offered and fees charged by each credit union.

Verify the current interest

rates on their accounts.

If you can’t find the rates online, call and ask them for the percentages.

Find out if there are any fees associated with the accounts you want to open. As with traditional savings and loan banks, you might be required to pay a fee if you fall below a minimum balance.

Check about other requirements. You might need to use your debit card a certain amount of times each month, or there may be no limits.

If you are in the market for a specific loan, research to see if the loan is offered by the credit union. Once you have found several credit unions offering that type of loan, compare interest rates and specials to see who has the best deal.

Of course, convenience is something to keep in mind.

Check for availability of online services, weekday and weekend hours and where branches and ATMs are located. Many credit unions belong to a national network of ATMs you can use for free, along with shared use of some branches – if you have children attending college in other cities, this can be useful, as well as if you move or go on vacation. Most credit unions also offer online and mobile banking services for added convenience.

Once you have completed your research, make a list of the advantages and disadvantages of each credit union. You can easily compare them.

Upon choosing your credit union, visit the branch so you can understand all of the services.

Thursday, March 26, 2015 — A19

A20 — Thursday, March 26, 2015

Methods for Choosing the Right Dentist

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hether you need a routine cleaning or a complex dental procedure, finding the right dentist will save you time and money.

Choosing the right dentist will go a long way toward helping you maintain your health and appearance.

No one wants to have a root canal redone because of shoddy work.

It is important that you find a dentist who makes you feel comfortable; someone who will help you improve your dental health in a hygienic environment.

Finding a dentist near your home or workplace will help you make your appointments on time. As well, their office hours should accommodate your schedule.

So how should you start your search?

First off, ask your social network for recommendations. Friends, family and colleagues can be a great resource.

Searching on the Internet for dental offices in your area will also help. Professionals often have their own websites, which include the backgrounds of those working there. The website may also tell you about how they handle procedures and appointments, as well as specialized services they offer.

Your local newspaper will likely have advertisements from local dentists. Oftentimes you can find specials and discounts.

Once you have gathered a list, begin calling each prospective dentist. You can talk to a receptionist or other staff person if the dentist is unavailable.

Check that he or she has earned the necessary degree from a reputable school and are current on all licensing and continuing educational requirements.

Ideally, he will be familiar with the latest dental technologies and trends.

Ask if the dental office provides emergency services. If you break a tooth or need to have a root canal done right away, you will want to use your chosen dentist.

You don’t want to have to search for a dentist when you are in pain.

Lead time for appointments is another consideration. Some offices might be able to see you right away, while others may have a three-week wait time.

Your prospective dentist should accept your dental insurance. If don’t have dental insurance, inquire about payment plans. The office should give you an estimate before performing any work.

When someone meets all of your

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requirements, visit the office. The staff should be professional and friendly. Every dentist should be willing to answer all of your questions.

Some people are afraid of dentists or of pain. If you have any concerns, communicate with the staff and dentist. Many professionals are willing to go above and beyond to help you work through these issues.

A basic oral health history should be taken by the dentist or staff. They should tell you about future treatment and prevention options. A quality dentist will help you feel comfortable during your visit.

The best dentists offer friendly, happy dental experiences.

Teeth are extremely important to your overall health. They can also help or hinder your appearance. Finding a good dentist is like finding a friend who consistently brings out your best smile.

Thursday, March 26, 2015 — A21

Experience a Personal Dental Relationship Accepting New Patients Adults and Children Five Star Rating over 453 Patient Reviews and Testimonials.

Reviews available at strattondds.com-testimonials or NationalDentalReviews.org

Charles e. stratton, D.D.s. InC. COSMETIC & FAMILY DENTISTRY

257-2400

2119 Jefferson street, napa

www.strattondds.com

A22 — Thursday, March 26, 2015

How to Choose an Orthodontist

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f your smile isn’t what you want to help you feel confident and beautiful, try scheduling an appointment with an orthodontist.

There’s no reason to be embarrassed. No one is born with a perfect set of choppers.

An orthodontist can help you gain confidence, health and happiness.

By using modern technology, these trained professionals can make any mouth look amazing.

A good orthodontist will provide a customized treatment delivered with compassion and care.

Orthodontists receive similar education and training, but not all are gifted practitioners.

Recommendations from people in your social network will give you good leads.

SERVICE Because treatment takes time, you should develop a good rapport with your orthodontist.

You will also experience some physical discomfort while receiving treatment.

That is expected. It is how this professional treats you, and the environment around you that will make a difference.

The waiting area should be comforting and soothing. Focus on how the staff treats you and others.

Children are the most common type of patients for orthodontists. Watch their reactions closely. If they seem relaxed and comfortable, then you might be in the right place.

Look for an orthodontist who knows the value of time. You should not have to wait a long time in the waiting room.

Quality orthodontists perform most of the work on your braces themselves. They don’t offload it on staff members.

You also need someone who can communicate clearly. Listening to questions and answering them clearly is part of their job. You are not just any patient. High quality orthodontists see you as a valued client and treat you as such.

Dental assistants are part of the treatment team, so it is wise to form good relationships with them. They will contribute during the phases of treatment and have undergone rigorous training.

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These professionals will help you during the process.

TECHNOLOGY Ask each prospective orthodontist about the technologies he uses. There are several systems, each quite different from the other. Some methods require more adjustments, and some take longer to do the job.

Each professional should explain the trade-offs between one system and another. Each has advantages and disadvantages. Have him explain why he prefers one over the other.

Innovations are always happening in

the field of orthodontics. One popular option for braces is the Damon system.

It doesn’t use elastic or metal ties. It is a safe, comfortable and discreet choice that is also healthy. It doesn’t attract plaque like older-style braces.

CLEAR BRACES Clear braces are a very common choice for people who care about their appearance. Adults, professionals and others can receive treatment without having it hinder their appearance. Invisible braces aren’t right for everybody. Clear braces are the next best thing.

They work better for people than

do clear aligners, a slower straightening technique.

If you are interested in clear braces, ask your orthodontist why he or he uses a particular type. It will guide your choice in which system you choose.

Orthodontists will also have suggestions on which braces will work best for your situation.

This treatment is a significant investment, but you don’t have to feel miserable while receiving it. The right mix of education, certification, experience and personality should make all the work worthwhile in the end.

Thursday, March 26, 2015 — A23

MOVING BEYOND METAL BRACES Napa Valley Orthodontics is constantly looking for the newest and most advanced braces to deliver better results, better esthetics and more comfort to our patients. We are excited to offer CLEAR Braces for all of our patients including children, teens and adults.

LINGUAL (HIDDEN) BRACES The word lingual refers to the tooth surface next to your tongue, and that’s where lingual braces are placed. So no one will ever know you are wearing braces - unless you tell them!

INVISALIGN 3303 Villa Ln I Napa 94558 CA I USA hello@napabraces.com 707-254-0404

Invisalign® takes a modern approach to straightening teeth, using a custommade series of virtually invisable aligners created for you and only you.

A24 — Thursday, March 26, 2015

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How to Choose a Good Weight Loss Clinic

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osing weight is a challenging process, requiring self-discipline and dedication.

When you need help dieting, a weight loss clinic may be the answer.

Obesity is a common problem in our country. For many Americans, it is a threat to their health. Extra weight will shorten your lifespan and create a myriad of physical problems.

Trained professionals can educate you on good nutrition, hold you accountable and set a realistic weight loss goal. Each clinic has its own approach. Selecting the right program will help you reach your weight loss goals.

So many diets create glamorous advertisements using famous people, but that doesn’t mean their plan is the best one for you. Here are some ideas to help you find the best weight loss clinic to meet

your needs.

Research and Visit First off, research local weight loss clinics. Many clinics and offices have a one size fits all approach to helping people lose weight. Inquire as to whether or not their approach fits your lifestyle. Do they require processed, pre-packaged meals?

Is the program a liquid diet? Is the program more specific offering you options or a customized solution?

Secondly, inquire as to who will be helping you with your weight loss? Will

you be met by a staff member of a clinic, the manager or a health professional? How will they be able to assure you that your individual health needs are met?

Plans and Referrals Although each clinic will seem as though it has the only plan that works, you must determine if it is the best program for you. Visit the clinic first hand, take advantage of any free offers for evaluation or consultation. Learn what you can before making a decision.

A good weight loss clinic will have a followup system to assist you

in maintaining a healthy lifestyle once your weight loss goals have been met.

Clinics offer different levels of support, such as motivation and nutritional assistance. They might also have stress management techniques that can stop you from eating your troubles away.

Use the clinic’s information and resources wisely. Take advantage of any educational opportunities that may occasionally offered. You are not only there to lose weight, you are developing a healthy, lifelong lifestyle.

In the end, a good weight loss clinic can go a long way toward helping you succeed. It is easy to stick with a plan when you have the assistance and support of caring staff. Whether you need to lose a small or large amount of weight, it is important to find a safe, effective way to achieve your goals.

Thursday, March 26, 2015 — A25

Actual patients, not compensated. Results depicted ARE typical. Individual results may vary.

150lbs in 8 months I am very happy with the results of Dr. Carter’s weight loss program. It has been very easy to do. It has given me a whole new lease on life. No more blood pressure pills, cholesterol pills, anxiety pills, gout pills and diabetes pills. It took my stroke factor Before After down from a 10 to a 1 and it took diabetes off the chart for me. This program has been very successful for me and it really worked. I lost 150lbs in 8 months. I want to thank Dr. Carter and all his staff for all their support. It’s been one heck of a ride for me. It’s taught me how to eat proper foods and brought my health back to where it belongs. Thank you!

Richard D. — Geyserville, CA

It was honestly one of the easiest things I have ever done. The program worked great Before After for me. I learned a lot about my eating habits doing this program and I learned that my body does not like sugar. I have kept the weight off for almost 2 years now. It’s a great program that I recommend to anyone.

Lorry C.—Sebastapol

No Shots/Drugs No Surgery No Exercise

92 pounds in 18 weeks!

I thought this would be incredibly difficult, but it really wasn’t and that is something I found so amazing! After the 4th day I had hardly any cravings, very little hunger and the pounds just melted off. I lost 92 pounds, literally 1/3 of my former body weight and it was really easy.

The weight comes off so fast that it is so motivating and you find yourself sticking with it in order to do even better and succeed. It really is a very easy program. Do it and it works and it’s over so quickly. It’s the best thing I’ve ever done!

Gary A. - Petaluma

I lost 40lbs in 12 weeks!

I Lost 75lbs!

I started going to see Dr. Carter when I weighed 270 pounds and I now weigh 195. It has not just affected my physical health, which is getting better and better, it’s also affected me psychologically and my attitude towards life. I am much more optimistic about life that I was. I now workout and swim 6 times a week and I am now looking towards the future.

Dr. Carter has been the Primary in my team of well being.

Thank you Dr. Carter.

I lost over 30 pounds thanks to Dr. Carter.

My husband and I were in the (Big Box) store and he was looking for me and did not even recognize me. I am a size 4 again and thanks to Dr. Carter I am a happy person again. Sue K. Petaluma

Jim S.—Cotati

Call TODAY for your

FREE

Weight Loss Evaluation

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Dr. Eliot Carter, DC, FICPA 181 Andrieux Street, Suite 201 Sonoma, CA 95476

I lost 30 pounds in 11 weeks

thanks to Dr. Carter’s program. This program is so easy and so convenient that I would definitely highly recommend it to anyone who is interested in losing weight and being healthier in a very painless way.

Fiona V. - Santa Rosa

I got ME back!

I lost 34 pounds in 11 weeks and I feel so much better. My experience with Dr. Carter and his staff was supportive and educational. I learned exactly why other things I tried to lose fat did not work for me. I love that this is not a one-size-fits-all pro-gram. Dr. Carter addressed my individual needs. This is the most successful program I could imagine. I am full of gratitude. I got ME back!

Kate D. - Hidden Valley Lake

A26 — Thursday, March 26, 2015

How to Choose the Best Hearing Care Professional

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f you or a loved one has experienced hearing loss, you are not alone. More than 36 million Americans have some form of hearing impairment.

Hearing loss is a significant and growing public health issue – for people of all ages. Though 36 million adults suffer, only 1 out of 5 people who could benefit from hearing instruments actually use them.

Untreated hearing loss is tied to social isolation, depression, and an overall reduced quality of life. New research also has found a strong link between of hearing loss and the risk of developing dementia. Furthermore, the stress involved when struggling to hear and communicate is believed by audiologists, physicians and researchers, to lead to reduced cognitive function, a neurological consequence. Those with hearing loss experience a 30–40% greater decline in thinking abilities compared to those without hearing loss. Hearing loss also leads to Phonemic Regression, a permanent, irreversible condition where the hearing impaired individual loses the ability to identify certain individual speech sounds, like /s/ or /f/, for example.

The good news is that hearing loss is not difficult to treat and technology as we all know continues to improve and advance to amazing levels.

The first step is to make an appointment with an audiology office in your area. A clinical audiologist can diagnose your particular hearing impairment and determine whether or not medical followup is necessary. If the problem is simply ear wax blockage, audiologists are trained and skilled in ear wax removal. Audiologists are health-care professionals who evaluate, diagnose, treat and manage hearing loss, tinnitus, and balance disorders. Today’s requirement to become an audiologist is a doctorate level degree, and audiologists are regulated by the Division of Consumer Affairs.

Since it is important to diagnose your hearing loss, the best “choice” is to have your hearing tested by a licensed audiologist. This is true because everyone’s hearing loss is unique and the site of the problem may be different from individual to individual. For instance, a patient may believe he or she has hearing loss due to the natural aging process, but may find after being diagnostically tested that the problem is really that the middle-ear bones are stiff, a common pathology called otosclerosis. This is just one of many examples of a hearing loss that is

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detected through differential diagnostics performed only by audiologists. The point is, if the hearing loss is identified correctly, the proper treatment can be prescribed or recommended. A hearing instrument cannot be correctly or prescriptively programmed without knowing the type of hearing loss. Audiologists also work closely with other health-care professionals such as Ear, Nose & Throat doctors who perform medical/surgical intervention for ear related problems that cause hearing loss and more.

Before making an appointment, consider your goals. You might want a complete hearing evaluation. Perhaps you need a fitting for a new hearing aid or a replacement. Or maybe you need more information about ear care and preventing hearing loss.

When you call to make your appointment, ask these important questions: Does your office and audiologist perform “Best Practices?” Does your audiologist perform “Real Ear” measurements?

Facilities that provide “Best Practices” are the professional standard in hearing

healthcare. Those offices investigate the auditory system by performing a thorough case history and hearing diagnostics to accurately identify your particular hearing or ear related problem. The professionalism also continues through a series of appointments to help and educate the patient in order to reach the most successful outcomes.

They also use premium technology through good reputable hearing instrument manufacturers. Today’s hearing technology offers a full range of discreet digital hearing instruments that are capable of various wireless solutions.

During a hearing instrument consultation, an audiologist will recommend the hearing instrument style, manufacturer, and level of technology based on the configuration and degree of your hearing loss, listening needs, cosmetic concerns, and your budget.

Total success with hearing instruments involves more than the device itself. It is important to remember that a hearing instrument is a complex medical device, not a simple sound amplifier.

When programming your hearing instruments, audiologists use specialized objective measurements called Real Ear to precisely and accurately adjust the sound to your specific hearing loss. Audiologists also ensure that each patient adjusts to the hearing device by providing professional follow-up and information, counseling, and support.

If you are concerned that you have hearing loss, consider having your hearing checked. There is no shame in getting help for hearing impairment. These problems do not go away by themselves.

Visiting an audiologist can improve the quality of your life.

Remember to be cautious when considering where to purchase your hearing instruments, as there are and will continue to be various advertisements offering large discounted prices. It is important to know that your success with hearing aids is mostly due to the knowledge and skill set of the hearing healthcare professional you choose to work with. Contact your local audiologist today!

Thursday, March 26, 2015 — A27

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A28 — Thursday, March 26, 2015

How to Choose an Auto Body Shop

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oes your vehicle have dents and dings, scratches and bumps, or even more serious damage?

Anyone who has experienced a car accident knows that it can be a calamitous event. Once you have dealt with any resulting health issues, you will have to contend with damage to your automobile.

Whether your car has experienced significant damage or simply a scratch, you will want to find an auto body shop that is trustworthy and dependable.

A good auto body shop will ensure that your car, truck, SUV or minivan is repaired quickly, affordably 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.

Once you 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 an inspection, which should be free, and 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 their prices. Are they comparable to other body shops? While you want to find that deal, remember, cheaper is not always better. Understand that you will often get what you pay for when it comes to auto body work.

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

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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, panels 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.

Oftentimes, 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.

1

Thursday, March 26, 2015 — A29

SHOP FAMILY FOCUS

Quality Repairs for Your Vehicle 47 years in Business - 2 Generations

Before

After • • • • •

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Conveniently located in the heart of Napa 1725 Action Ave • 255-8550 • LitoAutoBody.com

A30 — Thursday, March 26, 2015

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How to Choose a Power Equipment Dealer ‌W hether you need durable power tools for a professional job or you want the best lawn on the block, it pays to find a quality power equipment dealer in your area.

Creating a beautiful landscape or garden requires the right tools, along with plenty of hard work.

From lawnmowers to leaf blowers and chainsaws to weed trimmers, a good power equipment dealer will make a difference in the life and longevity of your power tools.

PRODUCT LINE Brands and product lines will usually determine the quality of the power equipment dealer.

Some brands have better reputations than others. Your friends, family and co-workers can guide you toward quality brands. Ask them which product lines are the best. Remember that is better to pay

more for equipment that lasts rather than go through the hassle of replacing cheap tools every year.

Some brands have product lines that are engineered to different standards. A good dealer will explain differences in manufacturing, materials and which ones have the fewest problems after the sale.

Also, consider getting a recommendation from other people who use tools professionally. People who use lawnmowers and weed trimmers all day, every day will have thoughts about the advantages of certain brands.

Pay attention to what’s labeled “commercial” or “professional” grade. These models typically come with longer warranties. They are usually built for use over long periods of time and under tough conditions. But they also have downsides, such as cost. Commercial or professional grade equipment may be heavier than

standard models. If you want a longlasting tool, though, they are hard to beat.

KNOWLEDGE The best power equipment dealers have in-depth knowledge about their products.

Find a store with employees and owners who understand every last detail about what they sell. They should be able to demonstrate the features of the equipment, explain how it works, inform you about warranty coverage, and offer advice on which accessories have the best value. They will also educate you on how to make your equipment last for many years.

Salespeople should be informative, not pushy. They will help you find the right product to match your needs, even if it’s a more affordable model. They know that is the best way to get repeat customers.

In fact, that’s another sign that you’re

dealing with a reputable retailer. If they’ve been in business for a long time, it’s usually for a good reason. Look for power equipment dealers who have a solid track record.

SERVICE All quality power equipment needs maintenance over time. Ask about what kind of services the store offers after the sale.

Many equipment dealers offer repair services on site. If not, they should refer you to professionals who will do the job right, and for a good price. Some owners, for example, don’t want to change the oil in their lawnmowers themselves. Be sure to inquire about how much maintenance and parts will cost.

The best power equipment dealers are partners who will help you get the job done right for many years to come. They will help you save money and time.

Thursday, March 26, 2015 — A31

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POWER EQUIPMENT

www.napapowerequipment.stihldealer.net

Open Monday-Friday 8:00am-5:00pm Saturday 10:00am-5:00pm

A32 — Thursday, March 26, 2015

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Picking a Summer Camp

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verybody loves summer camp. Children can make new friends and take part in fun activities, such as hiking, swimming or telling stories. Parents can also enjoy time for themselves.

Camps are opportunities for kids of all ages to create fabulous lifelong memories.

When looking for a summer camp, here are a few things to keep in mind.

COED OR SAME-SEX The first aspect to consider is whether you want your child to attend a coed or same-sex camp. There are advantages to both choices.

Coed camps allow boys and girls to socialize together, which may concern some parents. But coed camps usually have strict rules and supervision. They separate the boys and the girls for activities and housing.

Single sex camps can allow kids to develop confidence and self-esteem. They also eliminate the possibility of distractions and the rigidity of gender stereotypes.

EDUCATION Many camps focus on educational activities, such as music, drama or

science. Think about your child’s interests.

You may want him to focus on certain activities, especially if he needs additional tutoring.

Consider your choices and research your options. It is important to ask your child for his opinion. While it is ultimately your choice, the child will have a better experience if he feels as if he had some power in making the ultimate decision about how he will spend his summer.

SPECIAL NEEDS CAMPS If you are searching for a special needs camp, be cautious about choosing the right camp. Experts and trained personnel should be on hand to help children with health or wellness needs.

Talk with the camp director before making a decision. Read reviews on the Internet and speak with parents who have sent their children to the camp. Also, be sure the facilities are properly equipped and safe before allowing your child to attend the camp.

TRACK RECORD It is vital that the summer camp has long record of keeping children safe and

happy. Also ask your friends, family and neighbors for information about summer camps for kids. Don’t base your judgment solely on their opinion, but positivity is a good first step.

Once you have collected enough referrals, start looking deeper into what each camp has to offer.

Even if you had a fantastic childhood experience at a particular camp, times are different now. The staff and camp counselors have changed. The facilities may have aged substantially.

Visit all of the prospective camps before making a final decision.

SUPERVISION Supervision varies substantially from camp to camp. Some facilities have plenty of camp counselors on hand to look after the children. At the very least, camps should have enough staff to ensure the safety of all kids.

Each state typically has a minimum staff-to-student ratio. Be sure that the camp complies with these regulations.

Also, consider the following questions: Are the supervisors adults, older teens or

a mixture of both? What kind of training and experience do they have? Do they have appropriate licenses and basic medical training?

As well, background checks should be performed on everyone who is around children. It is important that you verify that the camp has performed the proper background checks.

LONG-TERM INVESTMENT There is a wide range of costs associated with summer camps.

If you are on a budget, consider sending your child to a basic day camp. People who can afford more might consider specialized private residential camps.

Cost alone should not be a deciding factor. Remember, you are paying for memories and experiences that will last a lifetime.

Never, ever risk your child’s safety in order to save money. You will have to find a camp that meets your needs as well as those of your child. Your budget should also be a factor.

It isn’t easy, but finding the best camp for your child is well worth the time and expense you put into it.

Thursday, March 26, 2015 — A33

Carry a tune this Summer!

Napa School of Music Celebrating 10 Years of Teaching Music!

Summer ummer Camps!

Rock Camp - Students will write and record an original song and create a music video of that song as well as 2-3 cover songs.

Ages 9-17yrs (will be placed in age appropriate groups) and all instruments welcome. $297 Mon-Fri 10am - 2pm, June 16-20 or July 14-18. Lunch options available.

Beginners Camp is for students new or fairly new to the following instruments: Guitar, Ukulele, Piano/Keyboards, Hand Drums, Violin, Viola & Voice. Campers ages 6-15yrs will learn the basics of the instrument and be able to perform 4-5 songs (will be placed in age appropriate groups). $197 Mon-Fri 10am-2pm, June 9-13, June 23-27, July 7-11 and July 21-25. Lunch options available.

Singing Camp is for students who like to SING! No prior experience needed. Campers ages 6-15yrs will learn the basics of how to get the most out of their voice and be able to perform 4-5 songs (will be placed in age appropriate groups). $197 Mon-Fri 10am-2pm, June 9-13, June 23-27, July 7-11 and July 21-25. Lunch options available.

Call 252-4040 to register now.

Napa School of Music 4032 Maher Street, Napa www.napaschoolofmusic.com

A34 — Thursday, March 26, 2015

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How to Choose a Private School

‌I

f public schools are not for you and your children, you might want to consider a private school.

Parents send their children to private schools for many reasons. Ultimately, it is because they want what is best for their children. They believe a private school will help their children succeed.

Choosing the right private school may seem like a daunting decision. After all, an educational institution can help or hinder your child.

The task becomes less daunting when you take the appropriate measures, do research and ask the right questions.

The following tips will help you determine the right school for your child.

Your first step is evaluating your child’s educational goals and needs. Does he have natural gifts you are seeking to nurture?

Are there physical or learning disabilities or behavioral issues that should be addressed? Has your child voiced an interest in science, math, sports or music?

Ask for referrals from your child’s current school, teachers, guidance counselors, family and friends. This should give you a solid beginning.

Now, consider what an ideal school would offer. Make a list of these features.

Will your child attend a local day school or boarding school? Are there travel or budgetary restrictions? Are extracurricular activities, such as sports, band, art or debate club important? What curriculum and educational philosophy would work best for your child? Is a religious environment important to you?

Conduct some research on the Internet for schools that have these features. Most sites will have plenty of information as well as policy summaries. Look at photo galleries and videos. Some sites may even give virtual tours of the facilities.

Think about your child’s daily commute to school. Are there suitable transportation options?

After looking at these considerations,

you can now make a “short list” of schools. It will consist of institutions that fit your criteria. Ask your child for his or her opinion about these schools. Talk it over to decide which ones are best.

When the list is complete, it is time to narrow it down even further. Determine entrance requirements and ensure your child meets them before contacting a particular school.

Make a list of general questions along with a subset of specific questions for each school. Then start contacting the institutions. If their answers are satisfactory, make an appointment to visit them.

While there, inquire about the enrollment paperwork and any testing your child will have to complete.

Check out the atmosphere of the school. Is it relaxed or competitive? Is there structure and discipline, or is it more free-flowing? Most importantly, will your child feel comfortable there?

Be aware of how you are treated by the

staff members. They will be dealing with your child throughout the day. Are they friendly, helpful and respectful? Try to meet as many of the staff and teachers as you can.

Imagine your family engaging in school activities. Is it easy to picture your child spending them there? If your child accompanies you to these appointments, ask him or her about the school. Children often have special insights and reactions to environments.

After all tours are complete, review your findings. You should be able to start eliminating schools.

Now that you have seen the school, asked questions and met the staff, you can also develop a better understanding of the financial cost of each school. Ask about financial aid, if needed.

With diligence and forethought, you should be able to apply to the school of your choice and have your child happily accepted.

Thursday, March 26, 2015 — A35

Classical Catholic Education in the Heart of the Napa Valley Kolbe Academy & Trinity Prep A Catholic School for Grades Pre-K - 12 Traditional Catholic education

Public speaking, Latin, Spanish, Logic, Rhetoric

A safe haven for your children

Small classes for more individualized instruction

Based on the classical liberal arts and the greatest works of Western Civilization

Six CIF-sanctioned high school sports

2055 Redwood Rd., Napa, CA 94558 • (707) 258-9030 • www.kolbetrinity.org

A36 — Thursday, March 26, 2015

How to Choose a Community College

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ommunity colleges are a great way to save money, earn college credits and learn new skills. Many people start their academic careers at a community college before transferring to a four-year institution.

Your local community college may even have a partnership with a university so you could earn a bachelor’s degree right on campus. California community colleges offer specific Associate Degrees for Transfer (ADT) that guarantee transfer admission at one of the state’s California State Universities.

These colleges are also a fantastic option for students with family responsibilities, full-time jobs or other obligations. Tuition is often far less expensive than that at a large university.

There are plenty of things to consider when choosing a community college. Location, tuition costs, courses and ease of scheduling are all factors to keep in mind.

Research all the colleges in your area. The ideal community college should be no more than 30 minutes away, accessible by car or public transportation, and be able to offer you the programs you need to succeed. 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.

The cost is a degree is always a major factor. Many community colleges have two levels of tuition: one for in-area residents and one for out-ofstate 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. In California, credit units are set by the State Legislature at $46/per unit, not including additional lab, materials, and course fees for specific programs of study.

There might also be financial assistance available. Local businesses concentrate their resources on their local community colleges. They might

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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.

There is nothing worse than attending college for two years only to find your credits aren’t transferrable.

If you find several community

colleges offer your choice of major, research their internship program and reputation and transfer record. 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 college 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

Thursday, March 26, 2015 — A37

New Opportunities New Relationships

Start Here enroll now at www.napavalley.edu

A38 — Thursday, March 26, 2015

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How to Choose Healthy Foods

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ou only get one body. It’s important to feed it the proper fuel to keep it running smoothly.

Never underestimate the importance of eating a healthy, balanced diet. It is the foundation for living a long life.

Many Americans enjoy the convenience of fast food and instant meals. They are slowly figuring out that these processed foods have little nutritional value. Worse, these foods often leave them craving even more unhealthy snacks.

Home-cooked meals are good for your body and pocketbook. They are cheaper and more satisfying to your taste buds.

Whether you are preparing vegetables, roasts or an appetizing main course, find a local grocer who stocks only the best products.

Freshness Depending on where the food has

been grown, produce may be refrigerated and stored for long period of time before it even arrives at a store. This delay can impact the texture and taste. That’s why it is always best to purchase fruits and vegetables that are harvested before they ripen.

Look for foods that are naturally in season, such as apples in the fall or tomatoes in the summer.

When buying other items, such as meat, find a store that offers the quickest path from the farm to your dinner table.

Beef, poultry and seafood are best when they are fresh.

Local It is best to purchase food grown near your home.

Buying local will help your city’s economy, and it is better for the environment. Food shipped across the country generates carbon emissions. You will pay

more for the food because fuel and other costs must be included in the price. It also means that produce must be picked before it has properly ripened.

Grocery stores who stock locallygrown food are proud of this fact. They are actively supporting their communities.

Natural Organic foods are a popular commodity. People want foods that are grown without harsh chemicals and pesticides. Studies have found that organic foods are a good choice for health-conscious consumers.

Chemical fertilizers and pesticides dull the flavor of produce. Organic foods simply taste better.

Some people think that organic foods are more expensive, but smart shoppers know that you can find organic foods that are affordable and convenient.

People who want to find healthier options for meat should find grocers who sell beef and other fare without unnatural hormones.

Expert Advice Look for trustworthy information. There is no shortage of advice, but information is only as reliable as its source.

The finest grocery stores have registered nutritionists and other experts on staff. These professionals will help you make wise eating choices. You can also find reliable diet advice and the most up-to-date tips.

You may also ask produce managers for their personal recommendations.

Quality stores will gladly extend a hand to help you find the best deals. For many shoppers, service with a smile is more important than anything they can find on the shelves.

Thursday, March 26, 2015 — A39

Experts on Natural • Local • Organic • Healthy

We can save you a lot of time & effort Vallerga’s Market wants to remind our customers of our $15 grocery shopping and delivery service This service is wonderful if you are too busy with family and events, or just need to use your energy for other things. You can call in or email your list, which is given to one of our customer shoppers like Kathy Enos (above).

She triple checks the list at selection, purchase and loading to make sure it is complete. She will call you from the aisle on her cell phone if there is a question. She also always selects the farthest-out expiration date on all products. Shopping and delivery days are Monday, Wednesday, Friday and the cost for delivery is $15. Delivery times are normally 11 a.m. – 3 p.m., but we are happy to work around any appointments you have. Please call 253-2620 for details.

For a list of organic visit items we carry, please ics an vallergas.com/org

Way to go, Napa Valley!

We at Vallerga’s Market are proud to be the local experts on healthy eating—and thank you for helping us create an economically healthy Napa Valley. When you shop at a local business you create jobs for your neighbors, you nurture the community, and you help the environment. The Vallerga’s roots run 130 years deep in the Napa Valley. We appreciate it when you choose to support a community-based business like ours. Shopping at Vallerga’s is a healthy choice in a whole lot of different ways.

Open 6 a.m. – 9 p.m. Daily • (707) 253-2621 • Fax (707) 253-1744 • Located in Redwood Plaza – Solano Ave. at Redwood Road www.vallergas.com • TEXT SANDWICH AND DELI ORDERS TO (707) 722-3288

A40 — Thursday, March 26, 2015

How to Choose a Consignment Store

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efore you shop big-name stores, try looking at consignment stores for unique and often less expensive furniture, home decor, jewelry and more.

If you don’t want to pay high prices at a retail store, consignment is a great alternative. Consider shopping at your local consignment store and support a small business. Shopping local and second-hand are sustainable and helps reduce the amount of waste dumped into landfills. Think green the next time you need to shop for a piece for your home.

These shops are a fantastic option for people who want uncommon furniture at great prices. They usually offer a wide variety of high-class merchandise — antiques, designer pieces, vintage furniture and accessories — made of quality materials.

When you are looking to find a good consignment store, here are some things to consider: APPEARANCE A good store will be clean, well-organized and convenient.

A store’s condition is a reflection of its management. You can tell a lot simply by walking around. The overall atmosphere should be neat, fresh and stylish.

It’s fun to enter a consignment store because each shop is so different. Too often, chain stores are predictable in their layout and appearance. Those big box stores typically have imported, particleboard furnishings that are flimsy and fragile. Plus, you have to spend a good amount of time trying to figure out how to put the furniture together. Rarely do they come already assembled anymore.

The best consignment stores will have antiques and whimsical pieces, customized to fit the people and interests in your community. These markets will have lots of solid furniture that’s built to last a long time. Some may even offer a wide selection of vendors offering unique customized pieces showcasing local artists.

EXPERTISE Another sign that you are dealing with a reputable consignment store is how the managers and employees treat their merchandise. They will be very knowledgeable and often have a bit of histroy to share about each piece.

Not only do these people love consignment, but they also enjoy helping customers find the perfect piece for their home. They are familiar with the inventory, and are happy to help you.

The staff should act more like guides

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than traditional salespeople. They should be able to tell you what makes one chair better than another, for example. They can also offer polite suggestions to help you make smart decorating decisions.

How to repurpose or paint a piece is another specialty some stores offer.

Inquire about classes or events where you can learn to repurpose a piece to your unique style. These are great opportunities to be creative and enjoy a fun experience in your community. Plus, they may also offer repurposing services if you dont have the time to pickup a paintbrush.

If they don’t have a piece available, the best consignment store will be able to call you when new items come in that might meet your specifications. Inquire about a “wish list” if you are searching for a specific piece.

SELECTION The selection in the consignment store should match your style and vary to give you more options.

Some shops have such a wide variety of furniture that you will undoubtedly find something that fits your needs.

Others, gravitate toward one time period or style. For example, one store might

have knotty-pine country designs while another might have older pieces that would look good in Victorian homes.

But that’s what makes shopping at consignment stores so fun. You never know what you’ll find. Shopping becomes an adventure, especially with new pieces arriving all the time.

CONSIGNING Here are some additional things to consider when choosing a consignment store to sell your items: What is the consignor portion of the sale? Often stores are 40/60, meaning 40% of the sale will be given to you. You will be happy to find a few stores that are 50/50.

How long is the consignment agreement? Typically you can consign your items for 60 days.

How do they track inventory? Are your items inventoried and assigned to your account in a computer system to ensure maximum accountability? Some stores even offer online access which allows you to view your items and watch when they sell.

Does the store have an online presence? A website and social media presence is crucial to ensure new customers frequent the store. A great consignment store will have an online store with items for sale.

Finding the right store will make you a lucky and happy shopper. Visit your local consignment store today and let your adventure begin!

Thursday, March 26, 2015 — A41

Tews Treasures CONSIGNMENTS

The Tews Family

Local Family Owned Eco Friendly Start your adventure today!

Consign with us!

Wide array of furniture, decor, jewelry + more 60 Day Consignment 50/50 Split New TREASURES daily 60 DAY CONSIGNMENT 50/50 SPLIT Computer inventoried = accountability OF FINAL PRICE Vendors & Local Artists Online Store + Social Media Presence 707-226-8397 MON - SAT 9-5:30pm SUN Closed 1774 Industrial Wy Suite D, Napa, CA 94558 NEAR TRANCAS ST.

Facebook/TewsTreasures www.TewsTreasuresConsignments.com

A42 — Thursday, March 26, 2015

Finding Your Ideal Retirement Community ‌M any aging seniors want to enjoy an active, independent retirement. Not only are today’s retirees more health conscious; they understand an active lifestyle can lead to a happier, longer and more fulfilling life.

If you’re in the market for a retirement community, there are plenty of considerations that can lead you to the perfect home and community for the life you’d like to live. Because this retirement community will hopefully become your home for many years, it’s important to choose one that matches your longterm goals and needs.

Here are some aspects to consider when selecting a retirement community.

Continuing Care There are different types of retirement communities. One of the most popular is a continuing care retirement community or CCRC. These offer independent, assisted and skilled care living all within one, master-planned community. Residents or family members can adjust the level of care or accommodations as their loved one’s needs change.

Many retirees enjoy the peace of mind that comes with knowing their future care needs are secure. They find the highest quality of care without having to leave their home or community behind.

Activities and Amenities Enjoy golf, tennis, swimming or walking? Maybe you prefer arts and crafts, board games, dancing, and organized activities. Any prospective retirement community should provide easy access to activities that interest you. Research what kinds of social events are organized within the community and if new activities, classes and clubs can be added. Also, find out if the community has ample opportunities for residents to travel to regional theaters, museums or shopping malls together.

Next to the type and quality of food that’s available, parking is another important factor when selecting a retirement community. Is parking for your vehicle available? What kind of parking is it and do you have weather-protective access to it? When family and friends visit do they have access to plenty of

spaces? Parking shouldn’t inconvenience you or your guests.

Pet Policies The future of your beloved pet is another point to consider when

the specifics of a community’s pet rules.

Some communities not only allow pets; they are welcomed with open arms. See if those you’re considering include offleash dog parks or designated walking areas as part of their master plans.

Churches, Libraries and Schools Consider how close a community is to schools, sports facilities, and other sites that draw traffic and create noise.

Many people prefer to live in low-traffic, quiet areas during their later years. Also, think about where the nearest libraries and churches are located, as well as access to public transportation.

Ask whether a community provides transportation for residents. Some communities have a fleet of minivans and buses to help residents move outside of their home community more freely. Transportation is vital for any senior who no longer wishes Timothy Alan Walker‌ to drive or lacks access to a car for routine outings.

The Community Visit any community you’re considering to experience day-to-day life there.

Tour the different types of homes available, test-drive vital shared facilities such as a wellness center, and research the contract options that are available to residents. Don’t forget to investigate the community’s background, too. Check to be sure the facility is licensed and accredited — and in good standing.

If you want to get the inside story on a community, ask current residents for their perspective. Talk to them about their experiences and seek candid reviews of the amenities and staff. Their insight can be very useful in the decision to elevate a community to your top pick or to remove one from consideration altogether.

Selecting a retirement community can be a fun journey. By taking the time to research multiple facilities, you will Timothy Alan Walker‌ undoubtedly find a warm, welcoming new home that aligns perfectly with your investigating potential retirement comunique wants and needs. Even better, munities. While many communities you’re likely to make new friendships now recognize the health benefits of along the way that will color your retirehaving pets and allow you to bring them ment in ways you never imagined. with you, some do not. Pay attention to

Thursday, March 26, 2015 — A43

E XPE RI E N CE

here

MARILYN & BOB ISHERWOOD

FINANCIAL SECURITY MATTERS . To us, Paradise Valley Estates is a

place like no other. Our spacious apartment home is part of a continuing care retirement community with everything we’ll need right here. But what makes it different is the value. It’s highly affordable and our future costs are very predictable. We have all this and one less thing to worry about.

Get the Isherwoods’ view on the value of amenities at

ExperiencePVE.com 2600 Estates Drive / Fairfield, California 94533 / 1.800.326.0419

INDEPENDENT LIVING / ASSISTED LIVING / SKILLED NURSING RCFE #486800368 LIC #1338 COA #179

A44 — Thursday, March 26, 2015

How to Choose an Employment Service

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mployment services are here to help jobseekers.

Employment services connect people with jobs. It is not easy to find employment, and many people waste time by looking in all the wrong places.

Whether you need a seasonal position, or if you are trying to land an executive position, consider working with an employment service.

Here are some tips to help you find the right employment service for your needs: Types There are several types of employment services. Working with the right agency will increase your chances of finding work that fits your qualifications.

Private placement services are the most popular type of agency. They bring job seekers to employers who are looking to hire for a specific position.

These jobs typically lead to fulltime work.

Temporary help services put qualified people into company positions for short times. You may be covering for someone on maternity leave. Retailers who need seasonal help often use these agencies.

The retained search firm finds highly qualified candidates for executive positions. Sometimes these employment services are also referred to as executive head hunters.

Most employment agencies are known for specializing in one or two vocations. Make sure that your skills and interests fall within this realm so the service will be useful to you.

Research Look for a service that will help you assess your strengths and weaknesses. Employment agencies often test candidates before sending them out on interviews. The results of these tests will inform you about your skill level.

Some agencies will help you create a professional resume.

They will critique your personal resume and tell you which format is the best for the market.

In addition, some services will offer classes to improve your interview skills. These classes may be held in person or online.

Choose an employment service that has a high success rate.

They should be able to provide references of people and companies they’ve helped in the past.

Agencies should also show you how they are actively searching for jobs that meet your skill set and interests.

Contact Look on the service’s website to find out more about their process. Sometimes, agencies don’t include much information, so feel free to call them. Ask about their application procedure and what services they provide. You should also know who pays when someone is hired. Some services are paid by the future employer.

Others are paid by the employee.

Understand how the employment service will be paid before you use them.

Interview Ask to make an appointment for an in-person interview.

Prepare a list of questions to ask about their services. You may also have an opportunity to sign up for classes and resume services.

Find a Job The last step is finding a great job. Be prepared when the agency calls you to go to an interview at a company. Finding a legitimate employment service should not be too difficult, provided you follow their advice.

Jobs are not easy to find these days, but an employment service will offer expert assistance to help you. Do your research before you agree to work with an agency. Remember that finding a job is a job unto itself! Your future success depends on you starting today!

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Thursday, March 26, 2015 — A45

A46 — Thursday, March 26, 2015

Tips for Buying and Selling Coins, Jewelry, and other Precious Metals

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ips for Buying and Selling Coins, Jewelry, and other Precious Metals Coins: Coin collecting is one of the most popular hobbies world-wide. People collect coins for various reasons. Some collect them for their monetary value, as a way to trade and make a profit. Others collect them because they enjoy looking at them.

Collecting coins is a fascinating and lucrative hobby. A coin’s design is influenced by history. It is an excellent way to learn about governments and countries.

It is also a great investment if you purchase coins that increase in value.

But it is not a simple hobby because of all the factors that impact the value of each individual coin, from its history to its quality and scarcity.

If you are considering starting a coin collection, here are some things to keep in mind.

Know What You Have Research is key for coin collectors.

Thankfully, there are a lot of resources that can help you understand what you are buying or selling.

It is important to discover everything you can about a coin before purchasing it. If you have inherited coins, or have received them as gifts, educate yourself on their background and value.

Coin shops likely have books that can help you get started. You can also find information at the local library and Internet.

Once you have completed your research, you can start buying and selling with confidence.

Understand Coin Grades Knowing coin grades is essential if you collect coins. This system assigns a value based on the coin’s condition.

The grading process is pivotal. You could have the same two coins — same year, same mint, same design — and they could be worth drastically different prices based on the score they received when being graded.

Coins in near-perfect condition are very rare and are more valuable than modified or damaged coins.

Don’t Clean Coins Never clean your coin collection. Novices are often tempted to give their coins a polish. Shinier coins must be worth more, right?

Cleaning or polishing a coin can destroy its worth. It removes some of the original finish, rendering the coin far less valuable as a result. Real collectors prize coins that are in their original, pristine condition.

Ask Questions Ask questions, no matter how trivial you think they might be. It is the only way you will learn and grow as a collector.

Look for more experienced collectors in your area. You can find them at coin shows and shops. There may even be clubs in your community.

Ask them about the best coins to buy.

Find how about their successes and failures. It will help you avoid pitfalls.

It is hard to know what is reputable online. That’s why networking in your area and finding people with great reputations is a better way to get your questions answered.

Spend Time at the Coin Shop Develop a relationship with your favorite coin shop.

Hanging out there can be a fun way to spend an afternoon. It will also help build your collection.

Once a dealer knows your interests, he can call you with information about the coins you are seeking. Networking with employees may also help you develop new friendships that come out of common interests.

Doing these things will help you avoid wasting time and money on bad purchases. It will also pass the time, as you accumulate more knowledge. Soon you will be on your way toward becoming a seasoned collector.

But once you become an expert, don’t keep the knowledge to yourself. Give back to the coin collecting community. Help others develop in interest in the hobby as well.

Jewelry and other Precious Metals: In the past few years, interest in gold, silver and

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platinum has increased sharply. A growing number of Americans are rummaging through their house looking for broken jewelry and sterling flatware.

Selling gold necklaces, rings and other items has become a common way to get quick cash.

Whether economic times are good or bad, people often use precious metals to shelter their money.

But this popular trend has been accompanied by less scrupulous experts who lack experience in determining the proper value of these items. Many pieces of jewelry might be worth more than their gold content or melt value.

Anyone can make a mistake, but flyby-night operators will often offer far less than the melt value of the gold in these items. They are counting on your lack of knowledge.

Infomercials have also flooded the airwaves with ploys offering “immediate cash for your unwanted gold.” But mailing gold in flimsy prepaid envelopes to these dealers is the same as dropping cash into the mail.

Always exercise caution when selling gold. While many buyers are honest and reputable, finding them requires research.

Here are some tips to help you get the most money from selling your unwanted gold.

First, do some research to determine the precious metal content of an item.

Remember that gold is soft, so it must be alloyed with other metals to increase its hardness and durability.

Jewelry usually has an inscription identifying the purity of its gold content.

For instance, 24-karat gold contains 99.9 percent gold. It is measured in terms of a troy ounce, equal to about 1.097 avoirdupois ounces, the kind of ounce we use in measuring butter, flour and body weight.

One troy ounce of 14-karat gold contains 14/24th troy ounce of the pure metal.

Flatware and hollowware usually has an inscription identifying that it is silver by the word “sterling”. The word “sterling” is actually a definition of the silver content. Sterling is defined as 92.5% pure silver content. Fine silver is defined as 95% pure silver content.

Next, take your items to reputable jewelers and/or precious metal buyers in your area for their opinion. A store may charge a small fee for this service. It is the best way to establish the precious metal content when the piece lacks markings.

Take it to more than one merchant to verify the findings.

The Better Business Bureau and the Internet are valuable sources of information about gold buyers. Poor dealers usually leave a pile of complaints from disgruntled sellers whom they’ve allegedly cheated. Do not deal with these companies.

Also, if a gold buyer operates from their home or business unrelated to precious metals, be careful. They probably don’t have enough experience to provide an accurate evaluation of your items.

It pays to use a local business. If you must mail your gold items, insure the package and use registered mail available at the United States Postal Service. You could use a shipper that offers package tracking and delivery verification. Do not trust someone you don’t know and have never met.

Learn as much as you can before visiting a gold dealer. Information is your ally.

There are reputable gold buyers doing business today, and they will pay you for the true value of your piece. Doing the proper research and taking precautions will help you find the best people doing business today.

Thursday, March 26, 2015 — A47

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A48 — Thursday, March 26, 2015

Sean Scully/Register‌

How to Choose a Funeral Home

‌A

lthough it is difficult today to see beyond the sorrow, it is most important to honor your loved one.

Making funeral arrangements is something that most of us will have to do at some point in our lives. It is helpful to think ahead so you have a clear mind while making these decisions.

Most people don’t have much experience with planning funerals. When the time comes to visit a funeral home, ask family, friends and pastors for a recommendation. It is a good way to focus on funeral homes with excellent reputations. You might also consider your own experiences at funeral homes in your city.

Here are some things to consider when you select a

funeral home.

The first step is to find out if the deceased has made any funeral arrangements. If no arrangements were made, ask family and friends to see if the deceased made any specific wishes. If possible, respect those wishes.

If pre-arrangements with a local company exist, then contact that company to see if the arrangements were a guaranteed or non-guaranteed plan. Some arrangements bought years ago may not represent the latest wishes of the deceased. Look around to see if another funeral home has better options, or if the funeral home can make adjustments as necessary.

If you have no experience with funeral homes, look on the

Internet. Select three or four funeral homes that might fit your needs. Visit each one with a close friend or relative.

Budget may be a concern for some people. Inquire about basic fees. Ask about services the funeral home may offer and if payment arrangements can be made. Ask questions and take notes. Staff members should be patient with you. It is best if they are from your own community.

It is important to get written estimates for everything. Ask about hours for viewing, inhouse versus off-site services, cremation services, additional fees and special requests.

The Federal Trade Commission mandates that funeral homes must provide customers

with a price list. If you believe the prices are too high, ask about other options. You can purchase the casket from the funeral home or elsewhere without being subjected to additional charges.

Do not decide on a funeral home right away. Think about it so that the decision can be made with clarity.

After deciding on a funeral home and type of service, documentation is the next step. The funeral director can help you with the required forms and permits.

They will help you with obtaining copies of the death certificate and make the actual burial or cremation arrangements.

When other relatives or friends are involved, it is best to find a funeral home that fits

your family’s needs. Talk with them honestly and compare notes. Don’t allow yourself to be pressured into services you do not want. The funeral home can help you stay within your budget.

Talk to the funeral home and let them know who in the family is authorized to make decisions for the deceased. Be very detailed about your expectations and what kind of arrangements you want. Tell them if something is not being done according to your intentions.

Funeral homes will guide you through the process to ensure that the funeral runs smoothly for everyone. In your time of grief and hardship, preplanning can give you a measure of comfort and peace.

Thursday, March 26, 2015 — A49

Serving the Napa community with compassion and grace for over 150 years ~ ~ ~ ~ ~ ~

Full Service Funeral Home Reception Center Large Chapel On-site Crematory Cemetery Pre-paid advance planning that guarantees today’s prices

Tulocay is pleased to welcome Roland Wallace as a Funeral Director to our staff.

Roland has over 30 years experience caring for families. He has been serving the Napa community for the past 15 years.

411 Coombsville Rd., Napa

707-252-4727 www.tulocaycemetery.org LIC: COA 9 FD1786 CR113

A50 — Thursday, March 26, 2015

How to choose a pet cremation center

‌S

aying goodbye to a beloved furry friend is never easy. After all, your pet has given you a lifetime of love and devotion as a member of the family.

One of the best ways to pay respect is through pet cremation.

It is less expensive than a casketed burial for a pet, but the same intention of respect apply. You can save the remains in a memorial urn, or scatter some in the pet’s yard. Or if you relocate, you can take the remains with you.

Veterinarians are familiar with pet crematoriums in their area. They can recommend one for pets of any size, from cats and dogs to birds and horses. The procedure for pet cremation is the same as that for humans.

DIGNITY The ideal centers will treat your departed pet with honor. The staff should have a love of animals. When you speak with them, they should demonstrate concern for you and your pet’s remains.

Staff members should empathize with you, as well as understand the intensity of the grieving process.

Decide if you want the cremated remains — cremains — returned to you.

In that case, you should ask for an individual cremation.

In communal or mass cremations, the cremains are not returned.

Some centers will allow families to spend time with their pet prior to the cremation service. You may even be allowed to be present at the time of cremation, if you so choose. Talk to the cremation

center about their policies for family members.

SERVICE Ask how your pet’s body will be handled.

The best pet cremation services are flexible about the process. They should be willing to pick up your pet wherever you choose — typically the veterinarian’s office or at your home. You might drop the pet off for cremation.

Most services will offer you a choice of urns or other containers to memorialize your pet.

Some centers offer urns that can be customized with photographs, engravings and other design details that have special meaning for you.

MEMORIES The process of grieving about the loss of your pet may take some time.

Remember the memories you shared and the smiles that come from the pure love of your pet will help heal your pain.

Consider putting a special picture of your pet near the urn on your mantle or shelf. Perhaps you can check with the cremation service to find out about customized products they offer to help memorialize your departed pet.

One of the best ways to honor their memory is to make a donation to a local animal-related charity. A donation in your pet’s name will help extend their legacy and brighten the lives of other animals.

Ask if the cremation center donates to the local animal shelter or other organizations in your area.

Register file‌

Register file‌

Thursday, March 26, 2015 — A51

This reacTion is naTural...

GrievinG over the death of a pet.

The feelings towards our pets are so special that experts have a term for their relationship; the human-companion animal bond. When a pet dies, there is no set ritual to formalize the grief. Even the immediate family and intimate friends may not fully understand this grief.

Still, the loss of a pet affects our emotions. To these pet owners, this loss takes on the same importance as the passing of any other member of the family. It is in memory of these pets and for those families that we have dedicated this.

Bubbling Well Memorial Park 2462 Atlas Peak Road • Napa, CA 94558

Phone (707) 255-3456 • Toll-Free (800) 794-PETS (7387)

A52 — Thursday, March 26, 2015

How to Choose a Flooring Dealer ‌I s your floor looking worn and tired? No matter how much cleaning you do, does it still look dull?

New flooring can give your home a whole new look. It can make rooms look bigger or smaller, lighter or more elegant.

You can choose between carpet, hardwood, bamboo, laminate, luxury vinyl, stone and tile. With so many options, it is important to choose an experienced flooring dealer. You will need guidance on which brands and types are durable. Let a good dealer help you determine which flooring material will best fill your needs.

When picking the best flooring and respective dealer, don’t be overly frugal. You must think about longevity. Your budget may be tight and you might be concerned about pricing, but you must get the best value possible.

What if something happens in 10 years and you have no warranty to repair or replace the damage?

Or if the installers make a mistake and leave your flooring permanently damaged?

So be sure to look at additional support and services. Find a dealer who has a great reputation and long track record of excellent customer service. Spending extra money is worth purchasing a product from a flooring dealer you can trust. You aren’t just buying flooring. You are also creating a relationship.

When looking for a flooring dealer, look on the Internet, local phone book or ask friends who they recommend.

On the Internet, you can find review sites to see how local flooring dealers compare. You can also check advertisements in your local newspaper to find specials and deals.

Keep in mind, though, the Internet can be misleading when it comes to finding a qualified floor dealer. Just because it is one of the top search engine results doesn’t mean that the company is reliable.

Instead, look on consumer review sites. Then check with the Better Business Bureau to see if the company has had any complaints

Submitted photo‌s

lodged against it. If so, look to see how they were resolved. You might also check with the Chamber of Commerce.

After making a list of potential dealers you are considering, give each of them a call. Inquire about the background of the company and how long they’ve been in business. You may ask for referrals from previous customers for references.

Find out about the installation services they use and their reliability. Do they use in-company groups or outside contractors?

Also, find out about prices and warranty coverage.

If you visit their offices, they might even show you a scrapbook of prior work.

Experience should play a role in which company you ultimately select. Quality of materials, comparable or lower prices and good references will all make a big difference in finding the right flooring dealer.

Thursday, March 26, 2015 — A53

Carpet One is Napa’s premier design center locally owned and operated for over 20 years.

We treat your home like our own Specializing in Hardwoods • Carpet • Window Coverings • Tile • Laminate • Vinyl

910 Enterprise Way Napa (707) 224-6994

www.carpet1napa.com

Mon.-Fri. 9am-5:30pm Sat. 9am-5:00pm Lic.#899521

A54 — Thursday, March 26, 2015

What to Look for When Buying Windows

‌Y

our eyes are the windows to your soul. Your home’s windows, on the other hand, protect the inside, or soul, of your home.

Gorgeous windows for your home or commercial building can enhance the appearance of the property. It can also increase its value.

But weighing functionality, aesthetics, placement, price and efficiency can be daunting. There are a slew of things to consider.

Understanding the terminology used to describe various windows will help you make your decision. Here are common words and phrases you are likely to encounter:

WINDOW GLAZING The actual glass in a window is called glazing. Many homes and older buildings have a single pane of glass within each frame. It is a traditional style; however, it is not energy-efficient.

Double-glazed windows are the popular option. There are two panes of glass in a frame. The gap between the panes acts as a layer of insulation. It improves the window’s ability to maintain the building’s temperature.

Sometimes, newer structures have triple-glazed windows. They are more expensive, but they also provide additional insulation benefits.

R-VALUES R-values measure the amount of heat a window loses through its glass panes. Higher R-values mean more energy efficiency. An R-value of three is very desirable.

U-VALUES U-values tell you the level at which a window conducts heat. The lower the U-value, the better.

People who live in wintery climates should choose replacement windows with strong R-value and U-value ratings to conserve energy.

LOW-E Low-emissive, or low-e windows, are the latest innovations in the energyefficiency mark.

Low-e glass traps heat by placing a thin metallic coating on the appropriate window pane. Indoor radiant heat is reflected back inside, cutting the burden on a building’s heating system. If you live in a cold climate, install a low-e window as a complement to low U-value components.

People who live in sunnier, warmer climates can also take advantage of low-e windows. The summer’s higher levels of infrared rays are reflected back outside, keeping the interior of the house cooler.

UV FACTORS Blocking UV rays will spare your carpets and furniture from sun damage.

That’s why a window with high ultra-violent blockage

is recommended, especially for people who live in warm climates.

CASEMENT WINDOWS When energy efficiency is a key concern, casement windows are the best choice. This simple high-and-crank design lowers air seepage. When the wind pushes against the glass, the seal becomes tight and reduces leakage.

Casement windows are hinged on the sides. When the windows have top hinges, they are called awning windows.

Hoppers are bottomhinged windows.

Hinged windows must be maintained, as the seal erodes over time. When left unchecked, the erosion can make the window less energy efficient.

OTHER FACTORS Large differences between interior and exterior temperatures create meddlesome condensation on glass.

Always choose a window appropriate for your climate.

Window placement is another factor when building a new structure. Consider the building’s position and location as they relate to the sun. Windows facing the south let in more heat than northfacing windows. Properly placed, a window can increase a structure’s passive solar efficiency.

Extreme temperatures cause frames and seals to deteriorate more quickly.

Windows using warm-air technology and adequate spacers reduce temperature fluctuations, placing less strain on seals and framing.

Before beginning any improvement project to your home or business, understand the building codes in your area.

You may need a permit to do a major window-replacement project. If you don’t have the required paperwork in order, you might have to pay a fine and remove the work that’s already been done and start over.

Knowing basic terminology and concepts before you shop for windows will save you time and money in the long run.

Thursday, March 26, 2015 — A55

Spring into new windowS and French doorS with

‘doing it right for over 70 years!’

1014 Broadway, Vallejo

707-643-5609 Se habla Español Mon-Fri 8 am-5 pm Free estimates Lic# 202251

A56 — Thursday, March 26, 2015

From Job Start to FiniSh, We have What You need

At Adobe Lumber and Decking Center, Center we have remodeled our hardware department to include over 2,000 new items in stock.We have expanded selections in every department. From bolts and screws to long – handled tools, we are your one – stop shop for your hardware needs.

150 South Napa Junction Road American Canyon, CA 94503 Phone: 707-647-2100 www.Adobelumber.com