from choosing an insurance agent, kitchen remodeling company, financal planner, chiropractor, best cuts of meat, tire shop, and much much more!
Buying a big-ticket item such as an appliance is a major investment. You might be lulled into a shopping after seeing advertisements and sales featuring new appliances with all the latest features and technology. Or you may just need to replace an aging appliance on its last legs.
Either way, it’s smart to figure out what you really need, how much you can afford and which stores offer the best quality and deals. Chances are you’ve already done some research or quizzed friends or family about their own experiences with various appliances, but shopping for one can be daunting. But it can also be fun.
These days appliance manufacturers produce items that have every conceivable feature to make your life easier. Exploring these innovations in home appliance technology can be an enjoyable and eye-opening experience.
We’ve put together some tips that can help you narrow your search and find exactly what you need. But first you’ll have to determine your budget and requirements — what you need, what you want and what you’re willing to pay for it.
Now, it’s time to go shopping.
Shopping online
First, do an internet search for appliance stores in your area. Local stores are easier to work with and you will likely be able to get your appliance much quicker than if you had to go out of the area or order it. If your refrigerator has stopped working, this is especially important. Many appliance stores also offer free delivery in the local area.
You can get a good idea of the services offered by various companies via business review sites. Don’t dismiss negative reviews, but keep in mind that customers who have good experiences are less likely to crow on the internet.
Consumer Reports and the Better Business Bureau are also great resources for finding reputable businesses. To qualify for listing on the
Better Business Bureau site, the business must be reliable and honest.
Many stores also have review sections for customers to leave comments, reviews and ratings for the services and the products they sell, which can give you some insight into the business and their products.
For most of us, getting a good deal is probably a top concern when shopping for appliances. Check your local newspaper and your mailbox for circulars announcing the latest, greatest deals on appliances in your area.
Many stores will use price-matching to stay competitive. Not all stores have policies on price-matching, so be sure to ask first. If you can find a lower advertised price on the exact same product and model elsewhere, many stores will sell you the product for that price.
As always, conduct research on the appliance you need to make sure you are spending money wisely. Not all appliances are the same; just because one manufacturer was excellent two decades ago doesn’t mean the quality will be the same now.
Review the store’s policies about warranties and repairs. If the appliance comes with a one-year manufacturer’s warranty, you might not need an additional warranty from the store.
Appliances have a yearly sale-price cycle. Washers and dryers usually go on sale during the winter. Refrigerators are often discounted in the spring, with stoves and ovens dropping in price during the fall. If you don’t need it right away, consider shopping seasonally for the best deal.
You could also haggle for a price, especially at a local appliance store. Salespeople are typically prepared for this process. If you are too shy or afraid of haggling, ask the store for extras, such as an extended warranty or free delivery and set-up. It never hurts to ask. They just might give it to you.
Consider these questions when you’re looking for an appliance store: Do they have a delivery window, warranty options, repair services and range of products?
Answer these questions, and know that you’ll purchase appliances with confidence.
The array of financial institutions vying for your business is broader than ever. With the rise of internet banking, visiting a brick-andmortar branch is no longer absolutely necessary. Still others prefer to bank in person.
Beyond a physical presence, some choose to combine all their accounts at one bank; others spread their finances around at specific institutions for savings, credit and investment to get the best deals and rates.
Which sort of bank you choose — a “name” institution, credit union or the new-money, internet bank — reflects your financial needs and how you wish to deposit and manage your hard-earned pay.
No matter where or how you access your money, choosing the right bank to serve your needs still requires close scrutiny.
Here are a few things to consider.
Banks want to be competitive. One way they entice new customers is by offering handsome interest rates. It’s not uncommon for savings account interest rates to vary widely, but the majority of institutions make adjustments according to changes in the federal funds rate.
When substantial deposit amounts are involved, the difference a few percentage points on an interest rate makes can be significant. Use online resources and shop around for the best rates in your area.
Banks are also notorious for charging fees for certain transactions. A checking account may only allow a certain number of checks to be written each month before a fee is assessed, or maybe a minimum balance is required to keep the account active.
Some banks offer free checking. But you should make sure that the free checking is really free. There may be stipulations such as being required to keep a minimum balance in the account at all times.
Look at a fee schedule to determine if it is acceptable to you.
Banks with multiple locations in convenient areas are important.
If you travel frequently, make sure your local or regional financial institution is a member of a national network. Some banks offer free ATM fees at another bank’s ATM.
Also, ask about their online banking policies. Is the bank’s website easy to navigate and secure? Online banking can be a great way to pay bills and transfer money between accounts.
We all make mistakes. Accidental overdrafts happen occasionally. Each financial institution has a different policy about these matters. Many banks offer overdraft coverage in the form of a high-interest credit line. Other banks charge fees each time an overdraft occurs. Other banks provide no coverage. Be sure to research overdraft policies before making a final decision.
It is very important to consider a bank’s stability. Before you hand money to an institution, check its history and financial condition.
Consider the longevity of the bank, is it important to you that banks are locally owned and locally managed? Local banks tend to give back more to the communities.
Any bank with a strong balance sheet should be able to weather any turbulence caused by market corrections.
Most banks are also insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. This can vary depending on the type and number of accounts held by a customer.
If you understand these safeguards, your money will be safe in a bank.
Most banks offer a variety of services. Whether you need to get a loan or open a checking account, choose a bank that fulfills your needs with the fewest fees. It should offer the maximum conveniences possible.
The level of customer service available is important. In seems with the rise of technology, customer service can be lacking. Find a bank that easily answers your questions, helps with your accounts, and is easy to communicate with face to face or over the phone.
Careful and vigilant shoppers will have positive experiences by making an effort to choose a trustworthy bank.
Learning doesn’t have to end after high school is over, or even after you’ve received a college degree. Individuals can continue their education throughout their careers, no matter the profession. It keeps their knowledge current, stimulates new ideas, fulfills job requirements, and advances their personal prospects.
For some, continuing education is a path to a degree or a career; for others, it might mean an important certification. No matter the purpose, there’s no shortage of continuing education classes at a variety of institutions offering valuable training for everything from computer skills and writing to ballroom dance or cooking. Other classes are offered to fill the need for required continuing education you may find in certain careers such as medical coding.
Here are some things to consider if you’re considering continued education classes:
When you need to fulfill a training require-
ment for your career, continuing education can be particularly helpful.
In the medical industry, for example, you might need training to understand new developments and techniques.
If you need courses for this reason, ask yourself two questions: Does the course fill the requirements, and is it convenient for your schedule?
Make sure the course will fulfill your obligation. In many cases, the instructor’s background and course curriculum need to be very specific in order to earn or renew a certification. Verify with your employer to be certain you have the right course.
Many adult education courses are offered on nights and weekends, providing flexible schedules for most anyone’s routines and lifestyles.
Some programs also offer online or correspondence options. It can be a good option if it fits into your lifestyle,but not everyone is a
good fit for online training. You must be motivated and show initiative in order to complete the assignments. It is an increasingly common option due to its convenience, flexibility, and affordability.
Anyone who has ever wanted to learn a new hobby, computer skill, or sport can jump-start that interest through continuing education.
It is a fantastic way to enrich your life, develop new skills, and meet new people.
Begin your journey by finding all the continuing education courses offered in your area. They might be at your local civic center, chamber of commerce, or college.
Look at the schedules and prices for each course. Highlight the ones you prefer.
Then sign up and attend the class.
It really is that simple. Soon you will be making new friends and learning skills. The rewards will extend beyond the classroom.
Choosing the right office furniture reflects the image of your business and keeps employees comfortable, happy and productive. It’s not an easy or quick decision to make, since you can’t change it frequently.
There are endless options for office furniture, but don’t get overwhelmed. Comfort, style and quality at an affordable price are the main things you’re looking for in office furniture. And chances are, there’s a store nearby willing to help you check each of those boxes in selecting new furniture.
Think about these points when you head out to shop for new office furniture.
Your chairs, tables, filing system and even decorations will leave a lasting impression on your customers. Looks matter. Coordinated furniture and accessories will make your office appear more organized and reliable.
People don’t trust businesses that use worn-out chairs and uncoordinated decor. It will make your office seem careless and haphazard.
Keep your customers and employees in mind when picking furniture. New leather chairs will not look good next to an old, dilapidated avocado green table. Create a strong impact by replacing entire sets at once.
Only consider furnishings and supplies that will stand the test of time. Replacing items frequently is not a smart business decision. While high-quality items may cost more initially, you will not have to spend time and money continuously searching for replacements.
Wise business owners know that quality means almost everything, even
down to the smallest detail. An inexpensive ream of paper that you got at a discount could leave a bad impression on customers. It will also infuriate your staff members if the paper keeps getting stuck inside printers.
Any store that offers a long warranty is usually a good dealer. A desk with a 10-year warranty could save you a lot of money in the long run. Plus it shows the company has faith in its products.
It only makes sense that you should feel as comfortable as possible while working. It is vital that your office furniture feels safe for your staff and customers. It will have a huge impact on office morale.
You could possibly face legal action if your office furniture is not ergonomically correct. Ill-fitting furniture is the cause of carpal tunnel syndrome and other injuries. These problems often lead to workers’ compensation claims. Only use furniture you can adjust. Whether you need pillows, cushions or platforms, a little luxury can go a long way toward making your workplace more productive.
The best retail shops have in-depth knowledge about their inventory. They will inform you about which supplies or furniture will look best in your environment. An experienced salesperson will provide insights that are not in a catalogue.
Look for stores that focus on great customer service. You deserve personal attention. Verify that they have a reasonable return policy as well.
A store with a convenient location, store hours that match your schedule and good service will probably offer you great value for your money.
Families spend a lot of time in their kitchens — and not simply to eat. It’s often the prime entertaining and gathering space. An outdated kitchen can make cooking and gathering less fun for friends and family, and make cooking a chore rather than an exciting experience.
Kitchen remodeling is the No. 1 project for many homeowners, but many delay it because the process can seem so expensive and daunting, but hiring an experienced, qualified contractor can spare kitchen nightmares and bring your design dreams to life.
Here’s some factors to consider when hiring a kitchen remodeling company.
Contacting kitchen remodeling companies in your community to get a rough idea about the cost and scope of the project you have in mind is a good place to start. Your local home improvement store might have information for licensed contractors in the area.
Once you have compiled a list of professionals, ask them for quotes. They will likely have to visit your home to look at the room. Estimates should be based on the total work that needs to be done.
If you find someone who hesitates to give you a quote in writing, cross them off your list and look for someone who is more forthcoming.
Sometimes, remodeling requires work from a sub-contractor. It is difficult to know at the beginning whether sub-contractors will be necessary. Chances are, if you receive similar information from several different professionals, you can trust the advice.
Another aspect of any estimate will be time. Ask each contractor about the time it will take to complete the project. All professionals should be able to finish the project in roughly the same amount of time. If there are any contractors that vary greatly from the average time frame, you should ask them why they differ so greatly.
After narrowing down your list, check each individual’s or company’s references to ensure their reputation. Speak directly to anyone who has hired them for previous work. Inquire about the quality and dependability of
the workers.
If anyone is unable to provide you with references or contact information, you might want to reconsider using them.
Once you have decided on a licensed contractor or kitchen remodeling company, ask to view the contract. This document should specify any task involved in the project, including its cost and time for completion.
Before signing, request proof of the individual or company’s licensure. Be sure that they have current accident insurance coverage. If they do not, you might be liable for any acci-
dents that occur on your property.
When sub-contractors are used, they should be under the umbrella of the head contracting company. If not, separate written contracts may be necessary. Review each sub-contractor just as you would the head contractor: check references, licensure and insurance coverage.
Choosing the people who will remodel your kitchen is an important decision. Finding someone who will stay within a budget and complete the job in a timely manner will go a long way toward giving you satisfaction with the end result.
If you or someone you love are faced with such as issues as addiction, depression or anxiety, finding the appropriate treatment provider is crucial in getting the best care possible.
The good news is that there are more general and specialized treatment providers and centers available than ever before. Further, there is less stigma, more recognition and an evolving scope of treatment and therapy to help anyone who suffers from these and other behavioral health symptoms.
Behavioral health care is an umbrella term for a range of issues from depression to substance abuse, psychiatric troubles and more recently recognized struggles such as eating disorders.
Children, teens and adults alike can benefit from the inpatient or outpatient care.
Here are some things to keep in mind when looking for a treatment center.
Flexibility
Good behavioral health centers will shun a one-size fits all approach to helping people. Needs vary greatly from person to person depending on the diagnosis.
A good option for less-serious issues could be short-term outpatient care that can be performed in any setting: school, office or even your home. This often comes in the form of one-on-one counseling. At the other end of the spectrum is long-term inpatient care in a hospital setting.
Most cases are somewhere in between. The ideal center will offer a combination of treatments over time that will yield the best results.
Behavior health deals with myriad problems that are often best solved with a multidisciplinary approach. Psychiatrists and psychologists are only the beginning.
A full array of medical professionals should be available if needed. A team approach can help with social aspects of behavioral issues, such as social workers, teachers, nurses and dietitians.
The best facilities create teams of professionals who work with individuals on different aspects of their problem.
Family involvement in the treatment process can increase positive outcomes.
Some behavioral health issues, like addiction, involve emotional and stressful family situations. Healing these family wounds can be a very important step in the treatment process. It’s important to remember that emotional and mental issues never affect just one person. Sub-
stance abuse is often called a family disease. Behavioral health issues impact many people in major ways. All those people can be involved in supporting the right health solution.
Continuing care is essential for behavioral health concerns. It will help keep the patient on track with their recovery.
Many diagnoses require intense treatment followed by a longer period of continuing care. Successfully following the long-term recommendations will lead to a full recovery.
Too often, we don’t check the tires on our vehicles until something goes wrong — and that’s usually at the most inconvenient time and place. So taking time to regularly check the air pressure and tread of your tires, along with balancing and rotating them at intervals, can ensure your road time will go smoothly. When you detect issues, it’s time to get to the tire store.
Here are a few things to consider next time you put tires on your car.
Choose Your Budget
Cost should play a role in your decision-making process. Figure out what you can afford to pay for tires. It will stop you from wasting time at expensive shops. Hopefully, you will only need to buy tires once a year; depending on how much you drive your car.
Choose Type of Tires
When selecting tires, consider the climate you live in. If it is dry and warm, then a standard tire will be fine. But if you live in a place that gets a lot of snow, then you will want a better grade of tires. Snow tires are good for snow or dry land.
High-performance tires are good for driving at high speeds. If you commute a long distance, be sure to choose high-mileage tires.
Choose an Outlet
There are a variety of ways you can purchase tires. They are available through national chains or a local auto shop. You may even buy them online.
Buying tires in person allows you to inspect the tires. You can see exactly what you are getting. When you purchase tires online it is difficult to judge what you are getting.
National chain stores usually guarantee the product. They might be more costly, but buying them from a big store may give you peace of mind. Local shops will likely be more inexpensive, and you might get more personalized service.
Ultimately, your choice should fit your priorities and budget.
Some people don’t mind purchasing used tires. Pull-offs are tires that came with a new car, but the new car buyer wanted custom tires. As a result, pull-offs are almost new. Does your tire shop
guarantee pull-off tires? If a dealer sells new and pull-off tires, the tire installer may not realize that each tire must replicate the way it was installed on the previous car. Failure to do so will result in the steel belt breaking through.
When tires have had the worn treads replaced, they are called retreads. A factory buffs the old tread and attaches a new one. Inspections ensure the casing is strong enough to hold a new tread.
If you are on a budget, pull-offs and retreads are great choices.
Anyone who purchases used tires should inspect each tire thoroughly. Bubbles, holes, cuts and metal showing are a sign that you should not purchase the product. It may not be safe.
When you visit a shop, look at their products and meet their employees.
You should feel as though the salespeople are trustworthy and knowledgeable. Once you find a good tire shop, you will likely return again for other products. It is important that you develop a good working relationship.
Whether you’re organizing a tournament or just looking for a great place to play on your own or in a group, choosing an excellent golf course will enhance your game and make the experience memorable and enjoyable. If you are looking for a great golf course, you have many options. With enough research, you can find a location that will stretch your skills without breaking your budget.
The course itself is the top factor for any serious golfer. The ideal course should be difficult enough to challenge you. The best courses match the natural surroundings. They will provide a beautiful backdrop to put you in the right frame of mind. Sometimes, the most memorable experience comes from playing in extraordinary settings. This 18 hole golf course with mature landscape and rolling hills offers both a challenging experience as well as a course for the novice golfer. This par 71 track has 4 sets of tees to accommodate every skill level.
Some courses are public only while others offer a choice between daily green fees and annual memberships. This course offers both. There are seasonal specials on daily fees as well as New member specials on annual memberships. New members are offered a 30% discount year one, 20% year two and 10% year 3. And even without these discounts the annual memberships are a great value. Call 815-8495424 for more information.
Every course offers a list of services that will make your visit more enjoyable. Take advantage of all the services that might be offered. Most facilities know that a golf course is an excellent escape from daily life and they want you to feel welcome and appreciated.
At this course you will experience a relaxed and comfortable atmosphere with a full bar and a snack bar for food that includes burgers, brats, hot dogs, chips and snacks. There are also gaming machines available for entertainment after the round.
Often courses will also offer banquet facilities for many social events. This course has a banquet room that holds 100 guests plus an adjacent deck that will accommodate another 30 people. In addition, outdoor wedding cere-
monies and receptions have been held at this location.
Many golf courses offer lessons on site. Check with your course of choice to see if this amenity is available.
For the competitive golfer, ask about tournaments that will challenge your game and add an element of fun. This course has monthly tournaments for members as well as daily green fee patrons.
The best golf courses have gorgeous settings, excellent amenities and exceptional service, as well as the challenging course.
Many courses also offer private play days and outings for organizations to use as fundraisers, employee appreciation or even family
gatherings. These outings can be organized as team scrambles or individual rounds and can include food provided by the course or catered in by the organizer. Inquire at 815-849-5424 to schedule your event.
In closing, the best courses have gorgeous settings, excellent service and a layout that can be as challenging or easy as the golfer wants based on the tees that are played. A course with reasonable fees and memberships can also provide great value to a family or individual looking to spend their leisure time in a peaceful, enjoyable environment. Shop around and discover what courses are the best fit for your needs.
When choosing hospice, you are choosing a type of care that specializes in caring for those who are in the last six months of life. It’s an emotional period for anyone, but an important decision that will ensure a loved one will receive the care and comfort they deserve.
According to the National Hospice and Palliative Care Organization, only 50.7% of people choose hospice care when they are faced with the possibility of death. But hospice is not only for the dying. Loved ones also benefit from hospice care, as nurses, home health aides, social workers, bereavement counselors and chaplains will support them with education, and emotional & bereavement support through some of the most difficult moments in life.
Hospice care can be provided in the patient’s home, assisted living centers, nursing homes, or an in-patient hospice home.
While all hospices are regulated by the government, each hospice has meaningful differences in personnel, policies and facilities.
Here are some things to consider when selecting hospice care:
Location
Hospice specializes in making the patient feel as comfortable as possible. Care can take place anywhere. Patients can even receive services in their own homes, or wherever they call home – a nursing home, assisted care center, or where they are most comfortable.
Some cases may require more specialized care than others. The patient can also choose to stay in a hospice home that can give them easy, 24-hour access to nurses, medication and medical equipment needed for their comfort.
The hospice team and your physician can discuss the options with you and your family to help determine which might be the best option for your specific situation.
Communication
Pick a hospice service that helps you feel at ease. You are going to have to ask and answer some extremely difficult questions. Death is a tough subject to discuss. Clear, caring commu-
nication is absolutely essential.
A quality hospice program will give you all the time and personal attention you need to ease your mind.
Picking a hospice involves having the right feeling. If the hospice staff is personable and makes you feel comfortable, that’s a good sign.
Every patient who receives hospice treatment must be qualified by a physician. Usually, this means there is a life expectancy of six months or less.
Since some physicians may hesitate to broach the subject of hospice care, you may need to bring it up yourself. Ask whether hospice care would be appropriate and which services might be most helpful to ease the endof-life process. It is never too early to request a referral visit if hospice care is appropriate for you and your family. In 2018, the National average for days in care for patients receiving service ranged from 1-7 days of care at 27.9% to >180 days at 14.1%. Helping families and physicians to have end of care planning conversations earlier is a goal for hospice to ensure patients and families receive the maximum benefits that they have available.
You can also approach a hospice facility directly to ask about their services. They will help you determine which care is most appro-
priate.
Hospice care has been growing since the 1990s. It is possible to die with peace and dignity. Hospice can help make the end-of-life experience a little easier for the patient and their loved ones.
Let’s face it: Purchasing insurance isn’t fun. But not having insurance — or not knowing how to access it in an emergency — is worse. And if there’s a loss to your home, auto, or business, the last thing you want to have to do is figure out who’s your insurance company is when your life’s been turned upside down.
Insurance guarantees you peace of mind and protection, so choosing the right insurance company is a worthwhile investment of your time. But unless you know what you’re looking for in an insurance provider, you shouldn’t pick a company based on their marketing hype alone.
Premiums from company to company can vary widely, as can the type of coverage they offer. So, before you purchase a plan, you need to understand exactly what type of insurance you’re buying and how it will affect your bottom line.
You will have to take a look at the fine details and figures for each policy. If you are in the beginning of this process, insurance representatives should act more like teachers instead of salespeople. Your choices may be complicated, with a range of pricing options, deductibles and exclusions. A good company will give you choices, explain them clearly and let you make up your own mind.
While reviewing your options, make sure you are comparing similar policies. If a premium seems unusually low, it might have a higher deductible or more limitations.
It is important that you get as much information as possible about each policy before making a decision.
Customer service always plays a key role in determining which company is best. If you’ve had friends or family who have filed insurance claims previously, ask them about their experiences.
Some insurance companies have better reputations than others. Gathering all of these experiences will give you a good idea of how you
might be treated.
Each company has a different customer service philosophy. Some of them prefer to use a local representative to communicate with clients.
Others will discuss policies through their website or a 24-hour phone number.
Many insurance companies, however, use a combination of these methods. They might give you 24-hour access to national representatives along with a local advisor.
An insurance company is only as strong as its balance sheet. Financial strength is especially important these days.
Every insurer is independently rated based
on their finances. An insurance agent should inform you of the company’s rating and tell you what it means. A good rating means the company can make a payout in the event of a catastrophic event. A reputable, stable, well-capitalized insurance company is also likely to have more coverage options.
While your insurance premiums are an important factor, it is just one piece of a complicated puzzle. Choose a company that will not only give you a fair price, but who will also be prompt and courteous in the event you have to file a claim.
The right insurance company will treat you well at every level of interaction, provide quality coverage, and pay out in a timely manner should there be an accident.
Skilled nursing facilities were once known simply as nursing homes, but they’ve advanced over time to include a wide range of health and personal care services besides standard nursing care. Along with round-the-clock care and supervision, patients and clients at these facilities can receive rehabilitation services, therapy and assistance with daily activities.
Some people stay at a nursing home for a short time after being in the hospital. After they recover, they go home. However, most nursing home residents live there permanently because they have ongoing physical or mental conditions that require constant care and supervision.
A skilled nursing facility is usually much more skilled and regulated than an assisted living facility. That’s because the staff at skilled nursing facilities provide and administer prescription medications. Assisted living facility staff does not usually have the same authorization.
If you’re searching for a skilled nursing facility for a loved one you have hundreds of options to pick from. The problem is, it can be difficult to sort through all of your options. Your best choices are facilities that have high scores from state agencies such as the nursing-home regulatory agency or department of health. The
nursing staff in these facilities are required to complete a formal certification process.
As a result, Your loved one will need reassurance that he or she will be safe and well taken care of by a highly skilled nursing staff. Select a facility close to your loved one’s family and friends. It should be easy to see your loved one. Frequent visits will help ease the transition from independent living to a skilled nursing environment.
You can form an accurate opinion by visiting several facilities. Reputable centers will have no problems with scheduling interviews with staff or giving tours of the living areas and grounds. If a facility doesn’t allow you to see these areas or have a meeting with the director, it should be dropped from your list. Cleanliness, cheerful decor and happy residents neatly dressed are symbols of a quality facility.
Speak to current residents and their families to get a good assessment of the facility.
Family members will likely provide the most unbiased and unvarnished opinion of the facility.
Most high-quality skilled nursing facilities are significant investments. They provide a much higher level of care and so they cost more. Talk with an attorney who specializes in nursing facility cases for advice on cost, as well as quality of care.
The decision to put your loved one in a particular facility is not permanent. If your family member is not receiving good care or shows signs of abuse, you have the right to remove him or her. Frequent visits are important so you can monitor the health and well-being of your loved one. See him or her at different times of the day to verify the level of care.
Take all the time you need when searching for a skilled nursing facility. Putting a loved one in a facility can be difficult and emotionally challenging. Finding the best one you can afford will give you peace of mind.
Perhaps you’re running out of room in your apartment of house for storage items, maybe even a car or a boat, and an on-site storage building is not an option, it’s time to investigate storage centers.
If you’re looking into self-storage, chances are you’ve noticed there are a great deal of storage facilities looking to attract your business. There are some important aspects to consider before selecting a storage facility.
Location
Location is a key factor when selecting a storage company. Your ideal facility should be close to your home or office for ease of access. If you need to add or take something out of storage, you will be glad that you picked a convenient location.
Avoid using companies in risky neighborhoods. The overall security of the facility will be stronger when it is in a safer part of town.
Security
Security is another important consideration. Your belongings should be safe for the duration of the rental. Visit the facility in person to verify its security protocol. If you can’t see the center in person, talk to a knowledgeable representative on the phone. The best facilities have three security layers.
1. The building has a security fence that is not easy to climb. It should be topped with barbed wire to discourage attempts to infiltrate the perimeter.
2. Heavy, secure doors seal the center. Keys, codes or even biometric door locks safeguard your stuff.
3. A professional security guard should be on site at all times.
The amount of belongings you have will determine the unit you need. Some self-storage centers offer units as small as 24-square feet. If you are storing furniture or a vehicle, you will probably need a unit that measures at least 300-square feet.
Also, if you are storing sensitive items, such
as musical instruments, look for a unit that has climate control. You can request to have an air conditioned or humidity-regulated unit.
Determine how often you will need to visit your items.
Some people store their belongings for several months. They may only need access to them once or twice during that time. Other people might need to visit their unit several times a week.
The hours of operation should fit your schedule easily. If your schedule is unpredictable, you might consider using a storage center that is open 24-hours a day.
Don’t search for a bargain. Price should not be your only consideration. After all, if you
choose an inexpensive facility, they may be cutting back on important aspects. Maybe they don’t have as much security as other facilities. Maybe the building is not maintained well. Selecting a facility based solely on a low price may cause you to pay in other ways. It is not fun having your items stolen or damaged. Of course, within a storage facility, a smaller unit will be cheaper to rent than a larger one. But if the overall prices are lower than average, be very cautious.
The best way to find a good storage center is word of mouth. Ask your social network for recommendations. Advertisements, the Yellow Pages and even the internet are good sources of information. Be sure to check out several companies before narrowing your search.
Start early, take your time and follow your intuition. That way, you can’t go wrong.
With Americans living longer than ever, the need for assisted living/ sheltered care centers has also grown and the industry has responded. But because the type of care seniors require varies, finding the proper facility means locating a balance between appropriate levels of care, comfort and access.
In the past, long-term care could only be handled by a nursing home. Living in a hospital setting for an extended time was not a pleasant environment. Times have changed dramatically. In addition to on-site medical care, many assisted living/sheltered care centers can appear more like upscale apartments, offering dining, travel, activities and personal freedoms.
But not all assisted living/sheltered care centers are alike. The decision to place a relative into such an environment warrants close scrutiny and research.
Ask your loved one’s personal physician how much care is required to function safely. The doctor may even be able to guide you toward an appropriate facility. Be sure to seek advice on what qualifications and certifications you need to look for in the center’s staff. The center’s employees should be well-qualified to handle medical needs.
If you monitor medical care, you can avoid paying for extensive services that your loved one may not need. Understanding the care the person requires will help you find a center that is a good fit.
Accommodations at these centers can range from luxurious, detached cottages to cozy condominiums or smaller apartment-style rooms.
It all depends on what you are looking for, what you can afford, and what is available.
As you visit the facilities, try to personalize each space. Imagine how your loved one’s belongings might fit into the area and where decorations will be placed. Does the atmosphere bring about a feeling of peace and tranquility?
How are the rooms decorated? Are they tasteful and soothing, or do they remind you of a hospital setting?
Look at the home amenities and consider how you would feel about living there. Would you want your loved one living there?
Game and meeting areas can help the resident make new friends and keep them from feeling alone and lonely. Leaving the confines of their units is an important part of improving quality of life. Make sure the center offers activities and space to occupy your loved one’s time.
Quality facilities will have activities that match his or her hobbies. If your family member enjoys crafts, then look for a center with a designated craft area or classes for your loved one to enjoy.
The landscaping of an assisted living/sheltered care center can give you a good indication about the quality of the facility. A well-maintained lawn and garden is a positive sign.
If the prospective resident enjoys spending time in nature, look for a facility that has park-like areas. Some centers have community-style gardens and walkways for residents. Just being able to experience nature as it grows and changes with the seasons can be uplifting and soothing. An assisted living/sheltered care center with a manicured lawn and garden can make a huge difference in the quality of life for a loved one.
Choosing an assisted living/sheltered care facility is about finding the right combination of medical services and amenities. With research and thought, you will find the perfect place to bring comfort and care to your loved one.
Finding the right insurance agent isn’t as simple as choosing the cheapest policy. A good insurance agency is an advocate for your needs and represents your interests in covering your health, home, auto and other insurable valuables. They’ll guide you through the maze of options available to you and help find policies that protect you and your budget.
Unfortunately, not every agent is the reliable, reputable agent professional you’d hope. It’s important to make sure you vet your agent prior to opting into the coverage they offer. Your financial future depends on finding the right person to help you get insurance that will fit your needs.
Here’s some guidance on how to find the best agent or broker for your needs.
Family, friends and colleagues have likely worked with insurance agents in the past. Ask people you trust for referrals. If you receive a recommendation, it is because that person has had a positive experience. There is a strong likelihood that you will have similar results.
Good agents understand that offering great service will keep them in business. Their careers depend on word-of-mouth. If you are happy with the service you receive, your insurance agent will appreciate your willingness to send business their way.
If you do not have recommendations, begin researching your options. Begin by looking at local companies and brokers. As you conduct your research, be thorough and critical. Buying a policy is similar to purchasing a new car or home. It truly is that important.
Select a company that is highly regarded by consumers. Read reviews of each company to determine who has the most satisfied clients. Are they easy to work with? Have there been any problems with collecting on a policy?
Also, check that any prospective agent has all necessary licenses and training.
After narrowing your list of prospective agents, make an appointment to visit each one. Prepare a list of questions and concerns about your personal situation. Take notes during your meeting. Remember that you must feel comfortable with the answers before purchasing a policy.
If an agent tries to pressure you into making a decision right away, inform him that you need more time and cannot sign anything immediately.
The right agent will let you take as much time as you need to understand the implications of each policy. They will give you useful information and not subject you to high-pressure sales techniques.
Your agent should be available. The relationship doesn’t end once the sale is completed. Your dialogue should be continuous. The best agents are available in the event you have to file a claim.
Agents who have been in business for many years likely have a good reputation and track record. They understand the policies and will even take extra care that you are properly protected.
It is essential that you choose the right type and amount of insurance to adequately protect yourself and your financial future. The policy should be tailored to fit your specific needs.
A seasoned, skilled insurance agent will be an invaluable resource for safeguarding your future.
A reality of auto ownership is that at some point it will need repairs and upkeep. Some new car owners may naturally gravitate toward their dealers to follow scheduled maintenance to keep their vehicle in top shape. Older cars will likely need more attention. That’s why it pays to develop a relationship with a qualified, reliable and professional auto repair shop.
Developing a relationship with an knowledgable mechanic or auto repair shop early on in your vehicle’s life can prove invaluable. Talented, honest mechanics can extend the life of your car and help you avoid costly repairs. And if the unexpected occurs — an accident or a major malfunction — that relationship can be the difference between hundreds and thousands of dollars.
Even if your car is new, at some point it will need tires, oil changes or even a new engine. If you have a relationship with a good auto repair shop, you won’t sweat it when these things come up.
If you haven’t had a regular mechanic is recent years, now is the time to find one.
Here are a few points to consider:
• Less than 40 percent of new customers in
auto shops are walk-ins. That means word of mouth is still king in the industry. Find a shop that gets rave reviews from family and friends, and you’ll be in good hands.
• The Better Business Bureau can inform you about the repair shop’s performance and reliability.
• If you travel often, consider a shop that offers a national warranty. For instance, a warranty of 12,000 miles or 12 months is handy for issues that keep cropping up, particularly in older cars.
• Ask about the shop’s range of services. They will need the latest technology to diagnose problems with newer cars. For example, can your prospective shop handle brake systems, electrical components and warranty repairs? Does the shop provide a loaner, rental car or shuttle service while your car is being repaired?
• Look around the shop. Is the equipment in good condition? Is it clean, well-lit and organized? These factors all contribute to a level of professionalism.
• Look for brand names and proper certification. Does the auto repair shop use brand-name parts? These parts are engineered to meet the
manufacturer’s specifications and will likely come with a warranty. Shops may use remade or generic brands which your insurance policy may not cover, so be sure to check.
• Are the auto technicians certified by a specific car manufacturer, the National Institute for Automotive Services or Automotive Science Excellence? Is the shop approved by the American Automobile Association? If so, this indicates a customer approval rating of 90% or higher and the ability to adequately perform the services advertised.
• Compare the services and fees of each shop in the area to find out the average price ranges.
Don’t pick a shop based on cost; poor repair work will mean higher costs in the long run. You’ll also want to ask about the shop’s warranty policy. Imagine spending hundreds on a repair only to learn the work isn’t guaranteed.
Once you have found a shop you trust, establish a good working relationship and try to use the shop for all of your automotive needs. Your mechanic will come to know you as a dependable customer and always be sure to provide you the highest level of service.
Ask any homeowner what they like least about their carpeting and they’ll quickly reply, “Keeping it clean.”
While carpeting has advantages, keeping it plush, soft, clean and looking and smelling good is paramount to making sure it lasts as long as possible. Regular cleaning will help your carpet maintain its beauty and texture. But it’s also a tedious and difficult job that many don’t want to approach themselves.
That’s when you want to enlist the help of a professional.
A good carpet cleaning company should be able to remove dirt and spots which will enhance the overall appearance of the room. One major benefit of a professional carpet cleaning service is that it will help extend the life of your carpet.
Here are some things to keep in mind when selecting a carpet cleaner.
A carpet-cleaning company should have a professional appearance and demeanor. There are few regulations on cleaning businesses, so the professionalism of each company can vary widely.
Keep in mind, you will be bringing these cleaners into your home, so ask the company pertinent questions and make sure you are comfortable with their staff and process before hiring them. Talk to them about their background and any special certifications they have in their industry.
Ask if they are fully insured and bonded. If the company doesn’t have insurance, you’ll be responsible for injuries or damage that occur while they work on your property.
Processes for cleaning carpets vary. A good cleaning can be achieved using chemicals, water, steam and heavy-duty equipment. Learn about the company’s process and understand why they prefer one process over another.
Verify that the chemicals are safe and nontoxic if you have children or pets. Also be sure to check that they are not using anything that would be harmful if you have certain allergies to cleaning products.
Another consideration is how long it will take the carpet to be dry enough to walk on.
References from previous customers can
be a big help in choosing a good cleaning company. People are usually happy to tell you when they’ve received good services. They’ll also usually let you know if you’re in for a disappointment.
Your social network is a great place to ask about carpet cleaning companies. If they have found a great service, ask for the contact information and get a quote for your own home.
You can search online for information about what to expect. Look at review websites to see what customers have said about each business. Of course, maintain a level of skepticism about anything you read. Even the best cleaners can leave a customer dissatisfied, so one person’s rant isn’t necessarily a reflection of what you could expect.
If possible, contact the Better Business Bureau to see whether there have been any complaints filed about a business and how they were resolved.
As with any service, you should ask your carpet cleaning company about their service guarantees. If they miss stains and spots will they return?
If the prospective cleaning company gives a guarantee, it’s a good indication of sound business practices. So find a company with warranties and a spotless reputation, and you’ll know you have found a good carpet cleaner.
By keeping your carpet consistently maintained by having it professionally cleaned annually you can increase the appearance and longevity of your carpet. Call Supreme Cleaners to schedule an appointment for your home today! Supreme Cleaners offers air duct cleaning as well as mold remediation and water and fire damage restoration.
There’s no more important step than assisting a loved one who needs ongoing care for medical or mental condition in finding a quality nursing home. Some choose nursing homes to recover after a hospital stay, but most require constant care.
A nursing home can provide a comfortable living environment for your loved ones while ensuring that all of their needs are met. As an added bonus, you can rest assured knowing that quality medical care is always nearby to meet any medical emergency that may arise. You can’t put a price on peace of mind.
Placing a loved one in such a facility is never easy, but the choices can be made easier by making some basic decisions on what is important — nursing care, meals, physical therapy, a religious connection, hospice care, or special care units for dementia patients? Do you want a place close to family and friends so they can easily visit? These are all important criteria to consider.
Here are a few more things to think about if you believe someone you love could benefit from nursing home care.
Take a tour of the potential facility. You should intuitively feel warmth and safety in this environment. Your visit will also provide clues about the general atmosphere and morale of the residents. There should be lots of natural light, cheerful colors, bright wall art and hints of laughter from the staff and patients.
Focus on the cleanliness, staffing levels and the appearance of other residents. Is the air fresh and free from unpleasant odors such as urine, feces and stale food? Are there enough nurses and attendants on duty? Are residents appropriately dressed? Do they seem clean and freshly bathed?
Bring the prospective resident along for the tour. This facility may become home. Your loved one deserves to have a voice in selecting the facility. Feeling welcomed are cues that this could be a positive living experience. Socializing is important. Are there opportunities for residents to meet each other? Reg -
ular activities such as music and crafts or an outdoor area for enjoying the sunshine will enhance quality of life.
Most nursing home facilities are happy to provide a tour of the building. Once you see the environment, ask for a consultation with a staff member. This is an opportunity for you to ask questions and address special needs of the prospective patient.
Possible questions might include availability of physical and occupational therapy, accommodation of appointments outside the facility and access to barbers and beauticians for the residents.
You might have a chance to talk with a relative of a patient who is currently living in the nursing home. Don’t be afraid of asking them for honest opinions about the facility. Query them about the staff and quality of care received by the residents. Solicit their input on whether you should place your own loved one in this facility.
These relatives are usually eager to share their experiences with you. Hearing their im -
pressions will help ease your own anxieties about this important decision.
If you are still unsure about your decision, or if you have reservations about the facility, discuss the matter with your loved one’s primary care physician. This professional should also be able to recommend good nursing facilities in your area.
The doctor may suggest additional facilities not on your original list. When your loved one has special needs, the doctor will know which facility or center can best meet these requirements.
Deciding to put a family member or loved one in a nursing facility is never easy. Carefully weigh the expectations of your family member with your impressions and the recommendations of others.
This is one of life’s most difficult decisions. Taking the time and doing the research will result in a better quality of life for your loved one and peace of mind for yourself.
The circumstances are never easy and may be emotionally crippling. Facing the death of a loved one requires planning that may be difficult. But there are ways to make this difficult decision a little bit easier on you and your family.
People often select a funeral home because it’s nearby or has been recommended by someone they trust. But by limiting the search to just one funeral home, you may risk paying more than necessary for the funeral and any additional goods or services offered.
Here are some tips to help make choosing the right funeral home less stressful.
Compare prices
If you have had to make funeral arrangements in the past, you may be tempted to just go with the funeral home you have experience with. While this may be a smart option for some people, it’s not always the right option.
Depending on how long it’s been since you needed to make funeral arrangements for a loved one, the price of that particular funeral home may have gone up. That’s why it is wise to shop around and compare the prices of the various funeral homes in your community.
Even if you have never had to choose a funeral home in the past, you may have a friend or two who has. Ask these friends if they would recommend the services provided at the funeral homes they have used.
They may be able to share valuable information about the staff, facility and prices of a specific funeral home.
Whether your deceased loved one had a specific list for their final wishes or you have to make these decisions for yourself, it is import-
ant that you ask a potential funeral home what types of packages they offer.
You will find that not all funeral homes are created equal, and each offers their own different ways of handling a service. No matter what type of requirements you have, it is best to choose a funeral home that will cater to your specific needs in order to make this difficult situation a little less daunting.
When visiting a potential funeral home, the funeral director can be a major deciding factor when you choose whether or not to use this particular company to handle the funeral of your loved one.
A caring and professional funeral director and staff will take the time to explain all your options in an empathetic way so you can make a better choice when choosing a funeral home.
If the director seems short or uninterested in your needs or makes you feel like you and your deceased loved one aren’t important, you won’t want to choose this facility to handle the funeral of your loved one.
While dealing with the death of a loved one is hard, choosing the right funeral home can help relieve you of some stress.
If you want your loved one to receive the proper funeral he or she deserves, following the above listed tips should help you make the right choice.
Everyone with a home on the market wants their property to sell fast and for the highest price possible. It not only means money in your pocket, but also speeds up the move into your new home — not to mention the relief of having to keep your place in tip-top shape every day.
However, quick sales do not always happen due to timing, market fluctuations and the condition and attractiveness of your home.
But there are some time-tested steps you can take that will make it much easier to see a “sold” sign in your front yard quickly.
The most important step is to price your home correctly at the outset, and a good real estate agent can help you with that.
Price it too low and you’ll leave money on the table. Price it too high, though, and your home will take longer to sell — or won’t sell at all — because savvy buyers won’t take it seriously.
To hit the pricing bull’s eye, you’ve got to know what is comparable in your market. A good agent will be able to pull data about recent comps, typically from the last six months, for sales of homes that are similar to yours.
The closer your price is to homes that are actually selling, the more likely you are to get a quick sale.
Staging your home is sometimes thought of as an elaborate process that involves redecorating and renting beautiful furniture to make your interior look its best, but it doesn’t always have to be that intense.
In its simplest terms, staging is about presenting your home in the most appealing way possible. The goal is to get buyers to imagine putting their own things in your home, so basic steps like clearing out clutter and removing your personal photos can help their imagination go to work.
Photography
For most buyers, the first impression of your house won’t be made in person. It will be
made through photos of your home they see online or in print ads.
That’s why it’s critical to have good, quality photographs of your home.
In some markets, especially for high-end houses, that might mean having a professional photographer shoot images of your home when it’s staged at its best.
For most homes, though, a good, thoughtful Realtor or their assistant could do the job. The key is to find someone who knows enough about both photography and real estate to show your property in its best light, inside and out.
The more clear, well-lit pictures that show off the beauty and features of your home, the more buyers are likely to take the next step and schedule a showing.
The Realtor
Picking the right Realtor is absolutely key to selling your house quickly.
Not only should you feel good about them personally — knowing you can communicate well with them, trust them and feel good about them listing your home — but you should find an agent who will work their hardest to market and sell your home quickly.
Ask them about their background, how many similar homes to yours they have sold in recent years and what sets them apart as a Realtor. You should also look for examples of the agent’s listings and make sure they’ll quickly add your home to the MLS with good photos and descriptions of your property.
While your real estate agent will take the lead in selling your house, there are also some steps you can do personally to help get the word out about your home.
Let your friends, family and neighbors know that your home is on the market. You can share photos with your Facebook friends and do personal networking to help raise awareness about your home’s strong points that potential buyers might enjoy.
You never know where the buyer might come from, so spread the word far and wide.
Finally, you’ve got to pay attention to details to make sure your home is in top shape cosmetically.
This doesn’t necessarily mean you have to spend a lot of money. A little paint and elbow grease can go a long way toward sprucing up most homes.
You’ll want to make sure the gardens, flower beds and other landscaping are neat, clean and free of weeds. You should also make a checklist of simple handyman tasks to complete, like replacing burned-out light bulbs, making sure doors and hinges shut properly and don’t squeak, and removing stains from your carpet.
Your Realtor will be able to help you figure out what needs to be done. They should have the experience and insight to see your home through the eyes of potential buyers, letting you know any steps you can take to improve your chances of a quick sale.
In the end, selling a house quickly takes a lot of work and some specialized knowledge. But it’s made much easier when you find the right Realtor and take some initiative to find your buyer as fast as possible.
Fact: Mental health disorders are real, common and often treatable. An estimated 1 in 5 American adults1 (nearly 44 million people) and 13-20% of children living in the United States will experience a diagnosable mental health disorder in a given year, according to Mental Health America, an advocacy organization.
Where to find help will depend on age (adult or child) and the type of disorder or symptoms experienced. But qualified professional assistance is more available than ever.
Here are some things to keep in mind when looking for a treatment center.
Flexibility
Everyone is different. Needs vary from person to person, depending on the diagnosis. One of your first considerations is to look for a center that does not offer a one-size-fits-all approach to healing people.
The best facilities will have a wide array of treatment options. Then they will tailor their services to fit specific situations.
These centers will have a range of choices. At one end of the spectrum, there might be short-term outpatient care that can be performed in any setting, much like one-on-one counseling. At the end, there is full-time, longterm inpatient care in a hospital setting.
But most cases will be somewhere in the middle of these two choices. An ideal care center will be able to offer custom treatments for individuals. Whether you are seeking short or long-term care, the staff will be able to match you with the best care for your needs.
When people think of psychiatry, they often imagine one-on-one sessions with the patient laying on a couch. In reality, mental health care may involve a multidisciplinary approach.
Psychiatrists and psychologists are just the beginning. Other behavioral and wellness professionals can also assist in treatment.
There may be medical professionals like nurses and licensed therapists, along with
social workers, case managers, teachers and therapists. It all depends on the diagnosis and desired outcome.
A good treatment center will be able to utilize a team of professionals who can work on a patient’s health from multiple angles for the most successful results.
Support is vital. When family and others get involved in the recovery process, it makes a huge positive impact on the individual.
Mental health professionals appreciate the support that a family can give the patient.
In addition, some issues — especially addiction — often leads to emotional and stressful family struggles. It is essential that the whole family learns how to deal with these dynamics. Education is key. The best treatment centers encourage honest, open dialogue among family members. The family must establish healthy, clear communication about the issues they’ve
been experiencing.
Emotional, mental and substance abuse issues do not affect just an individual. Everyone feels the impact in major ways, and all of those people can become involved in supporting the right health solution for the patient. And themselves.
Reputable treatment centers will have a strong aftercare program. They will recommend a course of ongoing, continuing care to keep the patient on track with their recovery. This last stage can make a big difference over the long run. It will help the patient ease into daily life while still receiving continuing care. A mental health center should be able to arrange for ongoing services, such as outpatient care, support groups or recovery residences to ensure as smooth a transition as possible once the initial, intense stages of treatment are completed.
Shopping is easier when you know what you’re looking for – especially when it comes it meat.
Gazing at the meats available at your local grocer, you may able be able to identify the simpler choices (hamburger, certain steaks). They’re all labeled of course, but there’s no real guide to which are the best cuts of meat.
If you don’t have access to a local butcher, the following tips can help you through the process of finding those cuts.
Choose the right cut of meat for your recipe.
Consider how you are cooking the meat and what you want your result to be. Traditionally barbecue uses less tough cuts and cooks them slowly until they become soft and tender. A brisket can become delicious and tender if you smoke it slowly over low heat for hours. A Porterhouse or T-Bone are best cooked over high, direct heat for a short time.
Consider the density or toughness of the meat and its fat content.
Density can be hard to ascertain, so usually the cut indicates the density or toughness. Meats culled from different areas of an animal tend to be more or less tender.
Marbling – small streaks of fat running
through the cut – can sometimes tell you about the fat content. Many people think marbling gives the Steak its best flavor. However, the quality of the marbling is important. Thick and consistent cuts of marbled meat would need to be slow – cooked to release the flavor and small, thin ribbons of fat are usually excellent for a traditional steak cooked over high heat.
Examine the color of the meat to see how red of the color is.
Meat browns quickly when exposed to air. If you fin bright-red meat without additives used to preserve that vivid color, then it is an ultra-fresh cut.
Novice cooks might start with a cheaper cut of meat, such as a sirloin steak for grilling.
Once you have practiced your grilling skills, work your way up to expensive meats
such as New York Strips, T – Bones, Filet Mignon and Porterhouse. Ultimately, it is the quality of your cooking skills, coupled with your selection of meat that will make a great meal.
Funeral planning is not the most pleasant subject, but it makes sense to consider options whether you are facing such a decision about a loved one or want to ensure your own funeral follows your wishes.
More frequently, people are choosing cremation. In fact, more than half of Americans chose cremation over traditional burials in recent years, according to the National Funeral Director’s Association.
The reasons are numerous. Among them, cremation is cheaper than a traditional funeral and it has become more acceptable to the baby boom generation and those who are younger. And it is important to note that most cremations are also part of a memorial service or viewing.
Still, making the decision between a traditional burial and cremation requires many factors beyond simply the cost.
First and foremost are the wishes of your loved one. So if they’ve opted for cremation, or if they have no preference, cremation may be the most cost-effective way to achieve both.
Making decisions in advance about cremation services can take the burden off loved ones during a painful time. Otherwise, they will need to make tough choices while stressed and grieving.
With cremation, the family doesn’t have to purchase an expensive casket. Loved ones may spend more money than they can afford in an effort to respect the memory of the deceased. But a cremation service is an affordable way to respectfully memorialize a friend or family member. The service can be a peaceful time to grieve and remember.
A funeral home may have a partnership or connection with a cremation center. They may have additional services, such as grief counseling or assistance with necessary paperwork.
After the cremation, you will receive an urn. You can choose to bury the urn, keep it in your home or place it in a memorial building.
When searching for a cremation center, check with your family or friends for referrals. If you cannot get an appropriate referral, you might be able to join a cremation society. For a
small fee, you will receive up-to-date information about your options and the process. Membership may also help you obtain a lower-cost on cremation services. These societies will provide assistance with many details connected to the service and disposition of remains.
The Internet Cremation Society and the Cremation Society of North America are sources of information about cremation societies.
Once you have narrowed your choices, consider how you feel about the staff of the cremation center. You should feel comfortable asking questions. The employees should be
knowledgeable, competent and pleasant. They should give you all of the details about price breakdowns, and their process of making ashes for the urn.
By doing a little research and choosing wisely, you can make the process a little easier for loved ones during a difficult time.
Discuss with your loved ones and family members their preference for when they pass. Talk with them and explain your own so that there will not be any misunderstandings or second-guessing after the fact.
Choosing an acupuncturist is unlike choosing any other health care provider. While you many know that the practice is part of Chinese medicine, beyond that an acupuncturist’s qualifications aren’t nearly as well-known as those of medical doctors or even chiropractors.
And although the practice has become more widely known and accepted, the practice of any medical care in the wrong hands can be dangerous so it pays to educate yourself before you go looking.
The Eastern medicine practice goes back as much as 5,000 years and is defined as the natural healing force uniting the universe and the body in terms of two opposing forces, the “yin” and the “yang.” By inserting small, mostly painless needles into various pressure points, the body is brought back into its proper balance.
But the value of acupuncture isn’t just an Eastern myth. For many years, Western physicians have confirmed that acupuncture can help relieve chronic pain, migraine headaches, fibromyalgia and osteoarthritis-related symptoms, among other stresses. Researchers also believe it’s valuable in the treatment of post-traumatic stress, depression and anxiety, as well as control the side effects of chemotherapy.
In short, this once derided therapy now ranks among the top non-medical, non-pharmaceutical medical treatments with proven benefits.
Increasingly, most medical doctors understand their patients desire to seek alternatives to traditional methods of treatment. It is now not uncommon for physicians to recommend acupuncture as either a primary or additional treatment when confronting pain in all its forms. You may want to check with your insurance provider as well, as many companies offer coverage for selected acupuncture services.
Furthermore, if you have friends or family that have undergone the procedure, ask them about their experience and whether or not they would recommend the acupuncturist they
went to.
Certification is key in choosing the right acupuncturist. It indicates a practitioner’s level of training, skills and prior experience. A qualified acupuncturist will have all this information readily available.
A licensed practitioner may also offer other valuable health services, such as herbal medicine and cupping. These treatments are sometimes used in conjunction with acupuncture.
Key points to consider Acupuncturists practicing in the United States must use sterile, one-time-use needles, and work in a safe and clean environment.
• Ask to see the rooms were sessions take place and make sure standard medical cleanliness practices are adhered to, such as clean hands, covered tables and properly disposed needles.
• Don’t be afraid to request a consultation, just as you would with any healthcare provider. Acupuncture specialists should understand the concerns of prospective clients and should be willing to discuss your options ahead of time.
• Any questions you may have should be an-
swered before booking an appointment. Your acupuncturist should be able to explain the benefits and risks of treatment. Make sure you understand what their methods are and how often you will need to come in for treatment sessions.
• Look for an acupuncturist who asks you questions as well. Traditional Chinese medicine takes into account all aspects of one’s life in order to determine the right treatment, and a skilled practitioner will ask you all manner of questions, from diet to family history to daily activities.
Some of the questions may even seem odd or invasive, but they are necessary. The acupuncturist who doesn’t make any inquiries about your health, mental well-being and personal surroundings might not be the best choice.
Acupuncture in itself may be beneficial to many because when performed properly it is safe, has few if any side effects and can be effectively combined with traditional medicine.
As the ancient Chinese might advise, choose wisely and with all these questions in mind and you may find yourself surprised at its benefits.
Choosing the best financial planner involves some research. You need an advisor right for your situation so you won’t waste time and money paying for services you don’t need. Budgeting for a financial planner makes double sense — you’re taking strides to control your finances and choosing an advisor you can afford. Don’t think you can’t afford a good financial planner, because these days there’s an advisor for every budget.
Budgeting, money management and even crafting investment strategies are a few of the things a good planner can help you complete. Planning professionals will guide and inform you on how to prevent cash-flow problems. They might even prevent future bankruptcy.
With the right questions and research, you can find a financial planner you can trust.
Seek referrals from your friends, family and trusted individuals who have built substantial financial reserves. If their modest portfolios have become bigger over time, a skilled financial planner likely played a role in that success. Look at the educational and professional background of each recommendation. Find out if that person has worked with people who match your financial circumstances.
Financial planners who have undergraduate degrees in finance or business show a dedication to this work.
Verify that each prospect has the right certifications. Financial planners must have specific certifications in order to legally practice in the field. Credentials vary according to the location and advising type, but all must have formal training.
Once you are ready, meet with several financial planners to gauge their trustworthi -
ness. Integrity is one of the key qualities in a good financial planner.
During the meeting, honestly explain your financial goals. Wealth building should be a goal. Minimizing risk and maximizing returns will help grow your resources.
Whether your desired outcome is to launch a small business or send your kids to college, share these thoughts with your financial planner.
Also, don’t be shy about detailing your debt level. It is essential that the professional understands all aspects of your financial situation. It could motivate the planner to make your money work harder so you can break free from
debt.
Finally, discuss compensation with any financial planner. Sometimes professionals are paid a flat rate, while others will receive a percentage from any profits made on investments.
These matters must be openly discussed, so you can understand how his or her compensation may affect his investment recommendations. Some unscrupulous experts could advocate risky investment strategies for their own financial gain.
Taking the time to research will help you select the best financial planner in your area. You will be on your way to a healthier financial future.
These days, it seems like every town has more than its share of real estate agencies and brokers. But since buying or selling a home is such a major decision, it’s good to know there’s an array of agents available to help you through these complicated transactions.
But choose wisely, all are not equal. Finding the right agency is a balance between experience and chemistry. Naturally, you’ll want an agent or broker with the proper credentials and licenses. Experience is valuable, but sometimes agencies with fewer clients can offer you more personalized attention. Trustworthiness is also a major factor.
You should ask around and check with your local business bureau for suggestions about good agencies in your area.
Once you have a list of possibilities, do some research. Find out how long the agency has been in business. Ideally, you want people who know your community.
If the real estate agency is merely a side business, it might not give you the best results. Buying and selling homes is a full-time job. Look on the internet and read customer service reviews. They should also have an impact on your overall impression of an agency.
Once you have narrowed your list, contact some businesses and ask them questions. You should know about their listings, fees and commissions.
Choose an agency that has connections with the community, a sharp understanding of neighborhoods that interest you, and solid contacts with other realty companies. This assumes major importance when you’re selling your current house, because the agency usually handles the sale while the Realtor helps you find your new one.
The marketing strategy and advertising is what makes each agency unique. It will greatly influence the sale of your home.
Although most companies might look the same, real estate agencies have a preference for the kind of properties they show or sell. These concentrations might include commercial properties or high-end homes. Try to find a business with a focus that concentrates on selling homes similar to yours.
Look at an agency’s listings to see if your home would fit in nicely with their existing clients. If you were purchasing a home, would you find their listings easy to read and informative?
The size of the agency will have an impact on your experience. Small agencies can provide more personalized service, but they may not have the networking advantages of a large company. Big agencies have more opportunities to network and sell your home, but they may have to divide their time among many clients.
Be prepared to ask an agency the following questions if you are selling your home:
— How will you advertise my home? Will you use the internet and newspapers?
— How many pictures of my house will appear online?
— On which sites will my home be featured?
— Do you have other homes that have recently been sold in this price range?
— How long has the agency been selling homes in my neighborhood?
— What makes your agency unique?
The two biggest financial decisions you will make in your lifetime are buying and selling a home. Protect your investment and peace of mind by choosing the best and most trustworthy real estate agency you can find.
It is estimated that doctors of chiropractic, known as D.C.s, treat about 35 million Americans adults and children annually, according to the American Chiropractic Association. These specialists use a hands-on, drug-free approach to health care that is best known for spine manipulation, but they also treat many other areas with techniques that have been proven safe and effective.
So, if you have unexplained aches and pains, you may want to consult a chiropractor. These professionals can help alleviate pain in your back, head or neck. Chiropractors believe that realigning your spine will help relieve pain and discomfort in the body.
And it works for a lot of people. Many patients find immediate relief from pain before even leaving the chiropractor’s office. They report rapid improvements in their muscles, joints, bones and ligaments.
Chiropractic care can also improve your overall health. The treatments administered by chiropractors can also treat minor ailments such as headaches and sinus pain.
Thinking about the following factors can help you find the right chiropractor for your needs.
Chiropractors have some of the most stringent educational requirements in the health care industry. According to the ACA, accredited chiropractors go through at least 4,200 hours of classroom, laboratory and clinical training time combined.
Students must spend four years in a pre-medical program, in addition to four or five years of professional training.
Not only do chiropractors study the body, they usually also study the muscular skeleton, pressure points, bone and joints, and nerves. Finding a chiropractor with these studies under their belt can give you a better experience and results.
Prior to selecting a chiropractor, inquire about training and credentials. Make sure he or she is properly qualified, has a current licensee to practice, and has experience in the area you are looking for.
Many insurance carriers include chiropractic care as part of their regular coverage.
Verify that your care will be covered. You might be offered a discount for choosing an “in-network” professional.
But if you don’t have insurance, many chiropractors offer low cash rates or affordable plans to help patients. Even without health insurance, you can still find chiropractor offering quality, cost-effective care.
Check for discounts. Some chiropractors will offer incentive discounts for groups, referrals of new clients and other promotions.
Someone in your social or professional net -
We take a drug-free approach to pain relief and wellness with safe and effective chiropractic adjustments developed to help you enjoy a healthier, more active life.
Dr. Sid Kirkland • Dr. Ashley Kirkland
Dr. Josh Kirkland
work has likely received excellent care from a chiropractor. Ask family, friends and co-workers for referrals.
Inquire specifically about his or her demeanor and schedule. Is it easy to make an appointment? You should also find out about the chiropractor’s philosophy about health and other wellness issues. Some practitioners will suggest complementary forms of care, including massage.
Given the results it can provide, chiropractic care is still affordable and worth the money. With time and effort, you are likely to find a quality chiropractor in your area.
Researching the chiropractors in your area will help ensure you get the type of care you want and need.
If you have a large lawn or substantial piece of property to take care of, you’ll need the right equipment to not only mow and seed but carry supplies and tow attachments.
Zero Turn Mowers are the upgrade you need to navigate the terrain with the power and capability to maintain your land. These workhorses make quick work of taming acres of land.
Choosing the right Zero Turn Mower depends on several factors, such as the size of your property, towing capacity and, of course, price.
Here’s some guidance to help you pick the right tractor for your needs.
The right fit
Zero Turn Mowers come in a variety of capabilities and price points which can range from $2,399 for a simple, basic model to $10,000 or more for a fully-featured, commercial-grade unit. In between, you will find a vast mixture of features and quality.
Select the right model by asking yourself how you will use the Zero Turn Mower. Lawn size is an important factor to consider. For a bigger lawn, you may need a wider mowing deck. Do you have any other planned uses for your tractor such as hauling garden supplies and bagging leaves.
High-end Zero Turn Mowers are more like pieces of farm equipment than traditional rideon mowers. You can purchase accessories for them, such as baggers, trailers, and pull behind accessories.
You are not only buying a lawn mower. These mowers are platforms that can be used for all kinds of jobs. So check on the accessories that come with each model, even if you don’t plan on purchasing them yet. You may appreciate the choices in the future.
Most people want to finish the job in the least amount of time.
While it is true that large mowing decks will cover more ground with each pass, there
are other things to consider as well.
The transmission and speed is also a factor. The zero-turn mower is a popular option. These vehicles can turn quickly and precisely to cut lawns of all sizes and shapes.
While they have been used for years by commercial lawn crews, only recently have these mowers become affordable for the average homeowner.
Zero-turn mowers are particularly useful when mowing close to homes, playground equipment and other tight areas.
The longevity of your Zero Turn Mower is also an important consideration.
The brand’s reputation should weigh heavily when you are making a decision. Research consumer reviews and talk to your friends and family members about the best brands of lawn products.
Also, visiting a retail store and talking to knowledgeable salespeople will also help you. There are plenty of low-end, affordable zero turn mowers out there, but few have a reputation for durability. It is economical in the long run to choose a well-built model from a reputable manufacturer.
Inspect the construction of each lawn mower carefully to verify that it will meet your needs. While you probably don’t need the extreme engineering and high price of a commercial-grade model, you ought to buy the best model you can afford and follow the maintenance directions closely. It will help you get the most usage for your money.
Finding a good dealer is an essential part of the process. When you locate an experienced local retailer with a long track record of happy customers, you will be well on your way to selecting the right Zero Turn Mower for you.
It’s no secret there are far fewer travel agents around now than 20 or even 10 years ago and although the popularity of booking travel online had tried to decimate this career field, using a professional travel designer is now the hottest new thing that never went away! In early 2020, when the coronavirus pandemic forced the closures of international borders and stayat-home orders became the norm, many travelers were left scrambling. Along with expensive rebooking and cancellation fees, travelers were faced with long lines at airports and even longer wait times with customer service representatives. But for consumers who had employed a travel agent, or travel advisor/designer, to book their trips, it was a different story. They were busy securing flights without change fees; negotiating future travel credits; doing the legwork on behalf of their clients to avoid them having to pay anything more. This unfortunately was not always the case for those who had booked with popular on-line travel companies, some even shut their phones off or their clients were left for hours on hold fending for themselves. It was proven that during the COVID—19 pandemic, having the backing of a professional travel designer was a must.
Eleven states require travel agents to be state-licensed. Many of these states only require the agency to have a license and pay a fee. These stipulations offer no real protection for travelers. There are some other ways you can discover if a travel agent is competent, knowledgeable, and honest. First of all, find out if the agency is a member of the American Society of Travel Agents or the Association of Retail Travel Agents. Using an ASTA-affiliated member means you are working with someone who has been vetted and follows the organization’s code of ethics, which can be important should you need a dispute or complaint resolved.
Many are also certified through the Travel Institute, which accredits agents based on their expertise. With many consumers turning to social media, finding a professional travel
designer can still be a confusing maze.
Always take care when handing over your hard-earned cash, just because you see a travel company’s Facebook page and pretty pictures, does not mean that they are a professional travel agency or advisor. So many options nowadays; you have on-line agencies, home based agencies, store front agencies. As a rule, most travel agents are well-trained, competent professionals who work hard for you. But taking the time to look at or ask about their credentials, certifications or ask whether the agent or agency is licensed, can save you a headache down the line
A competent travel designer can be a great asset. Certified travel professionals have an edge over the digital world. They work for you to ensure you have the best deal and back up their bookings with personal service that can’t be achieved when booking online by yourself. Travel designers are professionals who know every trick in the book when it comes to ensuring a trip will go smoothly. For a fee, these agents will plan every aspect of your vacation, leaving it up to you only to relax. Best of all, if something goes wrong your agent will be a phone call away with a fix...
Choosing one is no different than choosing a doctor or lawyer. Get advice from friends and relatives who use an advisor they trust. Since
travel choices are personal decisions that reflect individual desires and lifestyles, you will want to visit or call several travel agencies to find the one that best suits your needs. Consider everything from the appearance of the office to the travel advisor’s willingness to listen and answer questions. The best advisors want to establish a long-term relationship with a client, not just make one sale.
Destinations Travel Services have ALL the above listed credentials and licenses, and this is why you should always book with a Professional Travel Advisor. They are not a call center - they are your personal travel advocate. They don’t work for the cruise lines, resorts, or airlines, they work for you!
When you find a great travel agent.
If you have found the world’s best travel agent right in your neighborhood, throw her all your business. You will not do better anywhere else. She can see everything the booking engines can see, and sometimes more. She will make a living, you’ll become a preferred customer and the world will be a better place
Using a professional travel advisor will make any good vacation GREAT!
We all have sensitive personal documents containing valuable information, but over time much of that paperwork becomes obsolete. If you own or run a business, that trove of financial and personal documents quickly piles up, and disposing of it thoroughly and securely becomes a priority.
Confidentiality is important, particularly for businesses in competitive industries. That’s why a good shredding service can be a major help in keeping fraudsters and potential spies from viewing your business documents. Some businesses handle their business documents by throwing them in a public trash receptacle or using a compact shredder. These options are not reliable. A compact shredder breaks easily and is also cumbersome to manage.
Shredding services will handle confidential paperwork easily and efficiently.
Medical professionals, attorneys and banks are particularly in need of shredding services. If sensitive, confidential information is leaked, your business could be legally liable.
Why risk a lawsuit? A good document shredding service will help you avoid the hassle and scare of being vulnerable to lawsuits and crime.
Trust is the key word when looking for a document shredding company. After all, they will be handling your confidential papers.
Ask other area businesses which shredding company they use. Getting a good recommendation from a fellow business owner is a great way to guarantee your satisfaction with a shredding company.
Look for a company with a long track record. The more experience they have, the better service they can provide.
Inquire about their method of destruction. It is a key consideration, as you need to be certain these documents are handled with great care.
Some services use a mobile document shredder for added security. They will bring the shredders to your business, which elimi -
nates the possibility of some sensitive documents leaking to competitors. It provides an exceptional level of security.
If you are comfortable with using an off-site service, ask for references before determining if they have a high level of security.
Ask how and where waste is disposed. If your company values environmentally-friendly products, using a document shredding service that recycles can be a fantastic choice.
Choose a company that is certified through the National Association of Information Destruction.
Proper certification means your documents will be handled with the utmost professionalism. A certified service takes superior precautions so that your documents will not wind up in criminal hands.
When interviewing service companies, ask
about liability insurance. You need to know that your business is protected in the event something happens while your records and documents are being transported.
Take your budget into consideration. Ask for written quotes from several companies. Comparing these prices and service details will help you understand what you are paying ahead of time.
When choosing a document shredding service, always consider confidentiality and safety first. The lowest price quote will not always be the best. Remember, the reputation of your company is at stake. Select a company that makes you feel comfortable. It will leave you and your company feeling more secure and satisfied.
Don’t take chances with your company or personal identity. With identity theft growing daily, you need to take every precaution to protect yourself and your business.
As cases of Alzheimer’s and dementia have increased, so have the facilities that offer memory care. The rise in prevalence of these diseases has fortunately spurred an increase in alternative and traditional treatment options.
If you or a loved one are suffering from Alzheimer’s or dementia, a memory care center is one such option that could prove a major help. These centers may be part of an assisted living center or operate as standalone facilities. Which you choose depends largely on individual circumstances.
Here’s a basic primer in what you need to know when considering a memory care facility.
The experience and attitude of the staff members is one of the most important considerations. They should treat all patients with kindness and respect.
The center should also provide continuing education to employees to assure that everyone is up to date with the latest in memory loss research and care.
Always visit a memory care center before admitting a loved one. Tour the facilities to make sure the building is clean and organized. The atmosphere should be calm and relaxing.
Consistency and stability are important to those suffering from memory loss. The center should have a low turnover rate among staff members. No memory care center should rely heavily on part-time workers.
Ask about the ratio of staff to residents, as well as the backgrounds of any medical practitioners employed by the center. Your loved one needs personalized care and attention. It is vital that the center has enough workers on staff to provide quality care for your loved one.
Quality memory care centers will resemble comfortable, inviting homes. They should not look like hospitals.
The facility should be clean and sanitary without appearing sterile. A center’s cleanliness is an indication of the dedication and price of everyone who works there. Ask questions about the activities offered to residents, how visits are handled and the types of therapies available.
Because patients can sometimes forget where they are, it is important to ask how the center protects its residents. What kind of security features do they use? Note your general impressions of each center you visit.
Quality memory care centers have support services for residents and families.
Symptoms from dementia can range from mild to extreme. The center should be equipped to handle all stages of dementia.
The best centers have support groups for residents and family members.
You and your loved one should be comfortable with the memory care center you choose. The best facilities can give patients a much needed boost and improve their overall quality of life.
Those who seek out and collect antiques are driven by at least one of two passions: for the objects themselves and what they might mean to an individual or their interest in history, or they recognize their value and hunt antiques in order to connect with a collector. Sometimes passion and profit collide.
But there’s no denying that antiques and collectibles intersect at the point where nostalgia meets art in everyday things.
The character of older products and the sense of history dating back decades or generations can be inexplicably attractive. It’s because we know every antique piece has a story. Some have multiple stories embedded in the array of nicks and scrapes marking them. And we’re often free to imagine our own stories about their pasts.
Antiques don’t go out of style. No matter what the piece, there’s a good chance it will always be of interest to someone — a collector, a museum curator, a professional collector or an auctioneer.
Usually, a piece should be at least 50 years old to be considered a true antique. But just because it’s old doesn’t mean it’s an antique. “Collectible” and “vintage” are not synonymous with “antique.” That’s an important distinction to keep in mind when shopping for authentic pieces.
Many items considered antiques are simply collectibles. View-Masters, vinyl records, spoons and even thimbles are some examples of popular collectibles that are not antiques. Also, vintage items are usually from a certain time period, such as the 1970s or 1980s.
When looking for authentic antiques, quali-
ty, craftsmanship, manufacturer and history of the piece are paramount.
But to truly find the best and most authentic deals, shopping your local antique stores is your best bet.
You are much more likely to get a better deal on an authentic piece at your local antique shop. Local shop owners like to build a rapport with their customers and love to talk about the history of their inventory. When you shop locally, you will also have the assurance of being able to validate works before purchasing them. Online stores and sites such as eBay, flea markets and estate sales are great places to find antiques or collectibles. They might even offer you a good deal. But unless you really know your antiques use these venues with caution. Know the difference between a genuine antique and a fake. And never buy something without inspecting it.
Auction sites may be convenient, but you
will have to add the cost of shipping and insurance to the price of the item. It is cheaper to find the same item at a local shop or estate sale. You can use an online auction site for research, to see what other people are bidding on the same or similar pieces.
After you have located two or three prospective dealers, visit their shops.
If you are searching for a particular item, most dealers will try to locate it for you. If they don’t have the item, they might be able to tell you about another dealer who carries it.
Creating a good relationship with an antiques or collectibles dealer has many advantages. Dealers can give you their assurance you that the pieces are authentic and often offer regular clients better prices. Reputable dealers can also help you find other resources, such as conferences and conventions that can help educate you in the art of finding the perfect antique for your home or office.
You’ve heard of seasonal pests, you’ve heard of occasional invaders, but you may or may not have heard about overwintering bugs just outside your door!
Certain kinds of pests in Sauk Valley become more aggressive about home invasion as the weather begins to cool down. As wind and rain lower seasonal temperatures, these pests become highly motivated to hide inside or around human buildings.
There are dozens of overwintering pest species in Sauk Valley and hundreds of individual vectors that could be putting your property at risk. These pests include:
• Rodents
• Cluster Flies
• Stink Bugs (The Brown Marmorated Stink Bug)
• Crickets
• Mosquitoes
As you might imagine, these types of pests create an enormous amount of damage inside and outside the home. Rodents can chew through almost any substance and spread serious illnesses from place to place. Animals like cluster flies, stink bugs and crickets can become a nuisance in the home, contaminating food sources and creating bad odors. Finally, pests like mosquitoes emerge during the warm summer months and can spread deadly viruses, bacteria, and parasite eggs from person to person. If pests and their serious issues are not addressed early on, they could start endangering the lives of you, your family, and all your loved ones.
Overwintering pests are difficult to combat. However, there are some quick and easy tricks homeowners can use to get ahead of the curve:
• No matter what time of year it is, it’s essential to practice good stewardship around the yard and garden. Pick up and throw away all dead vegetation, shrubbery, and plants. These should be burned or disposed of in a plastic bag to prevent pest accumulation.
• Be sure to trim back any pest harborage
zones. Thick bushes, long tree limbs, and other shady spaces should be quickly addressed.
• You can also dissuade pests from coming too close to the home by caulking and sealing all entry points. By relying on a waterproof formula built for indoor and outdoor conditions, you can better protect your yard from serious pests and their overwintering plans.
• Another level of protection comes from the management of indoor and outdoor moisture. Pests that like to overwinter in Sauk Valley properties need a large volume of water to survive. Limit their infestation zones by running a dehumidifier in problem spaces. Consider installing desiccant bags or chemical moisture reducers for smaller areas that require marginal care.
While do-it-yourself (DIY) care during the fall will certainly reduce your risks for overwintering pests, they are unable to eliminate your chances without more potent products. Ongoing professional care is always your best option for success.
The most effective way to deal with a pest problem, especially during the fall season, is professional assistance from the team at Pest Control Consultants. For over 30 years, our dedicated professionals have been seeking new ways to manage and control overwintering pests in the Sauk Valley area. With every scheduled home pest control visit, our team springs into action to provide:
• Same day services for emergency pest infestations
• Free pest inspections for all homeowners
• An award-winning pest-free guarantee
More than 3,500 customers strong, the crew behind Pest Control Consultants is ready and waiting to take on our next job. Call us today to inquire about one of our overwintering pest services or schedule an initial inspection before the fall season approaches. We’re here to help you thrive, no matter how many overwintering pests have their eye on you!
Painting your home is among the bigger home-improvement jobs you’ll confront, but it’s also a perfect money-saving do-it-yourself project. But it’s also easy to make mistakes by jumping in without considering all your options and the proper materials to use.
If you have little or no experience painting, working with a good paint store can be a major help. Not only can a knowledgeable paint store help you pick the right type of paint and applicators for your project, they’ll be able to keep you abreast of the latest paint technology and trends. In addition, they’ll be able to mix paint to get that color just right for your project.
Here is what you’re looking for in a quality paint store.
Selection
There’s an enormous variety of paint colors and textures. Oil-based and latex paints are available in a wide range of finishes and compositions.
They are also available in different grades. Cheaper paint may be thinner, messier and harder to apply than its thicker, premium competitor. You will also have to determine if you want to work with a primer. Some brands require specific primer, while other brands have products that are “paint and primer in one.”
A good paint store will have far more than just one line of products. They will stock paint designed for concrete floors, industrial paints that can withstand certain temperatures or chemicals, and paints that will reduce mold growth.
It may seem overwhelming, but more choices will give you a better results and hold up over time. Knowing your specific priorities and considerations will help guide you toward the right paint for your project.
Even the most experienced house painters sometimes need guidance. So don’t be shy about asking for advice. And a good paint store will be happy to provide painting pointers. Not only will the best stores
sell quality products, they will also have staff who are ready to offer suggestions and recommendations for your particular situation. Most are very knowledgeable about their products. They should also offer tips on how to apply the paint. You can spend money on high-end paint products, but applying them incorrectly will give you terrible results.
The paint store you choose should be able to offer you expert advice on all aspects of your project, from product selection to prep work and clean-up.
With so many color and style selections, a good paint store can offer design advice for getting the look you want.
When it comes to paint, there are endless possibilities, and the best paint store staff will help you navigate through the selections. They will know the latest style trends and offer recommendations for color palettes that work well together. If you bring them a fabric swatch, they should be able to create a duplicate color in paint.
Choosing the right paints and accessories takes experience and, quite often, some trial and error. Be certain to get prices for mixing sample colors up front. Don’t be afraid to put small quantities of these sample colors on your walls to test out your design. Once you’ve selected the right colors, go back to the store to purchase larger quantities of the paints to complete your project.
Working with a professional financial advisor could be the best investment you’ll ever make. The best planners can help you meet your financial goals now and in the future, bringing into play an experienced, objective perspective to advise you on how best to save, invest and spend your money. They can also suggest avenues of money management that hadn’t occurred to you, help lower your taxes and guide you through uncertain financial times.
To find a reliable financial advisor, start by asking your social network. Friends and family may have some suggestions.
Research online for advisors in your area. Your local newspaper will likely have advertisements for local advisors. Remember to research each advisor with an eye toward your own situation and goals. Once you have a list of three or four possibilities; look closer at each choice. It might be a good idea to pick a financial advisor who is a certified financial planner. A certified financial planner has passed rigorous exams in order to obtain a certificate.
Once you have discovered each advisor’s qualifications, contact the certifying organizations to find out if there have been any complaints against each professional. If so, find out how the complaints were resolved.
You can request a list of satisfied clients who have goals comparable to yours. Contact them to talk about their experiences.
Financial products can contribute to your well-being and peace of mind. Some common investing tools include bonds, mutual funds, stocks and commodities.
Weighing risk is essential. Some products will undoubtedly be better for your portfolio than others. An experienced financial advisor can customize a portfolio especially for you. You can also do some research to find a seg -
ment of the market that might be a good fit for your situation. Then look for an advisor who specializes in that investment. For example, if you want to invest in commodities, your potential advisor should have some experience in that market.
Success rates will also play a prominent role in your decision. Look at the rate of success for each advisor. Has the rate of return on his recommendations outpaced the average market rate of return over time? An advisor with a solid rate of return conducts research to strengthen his clients’ portfolios.
During tough or stagnant economic times, experience will play a vital role. Has your advisor weathered previous economic slowdowns? Do clients thrive in bleak environments? Or have clients taken multiple hits to their portfolios?
You should be wary if clients appear to be doing too good during tough times. Someone with an extraordinary success rate might be too good to be true.
Inquire about how your advisor is paid for services. Most offer fee-based or commission-based services. It will greatly influence your selection. A commission-based advisor is prone to suggesting financial products that offer a professional commission. It could needlessly increase your exposure to risk. Only use a commission-based advisor if he or she has a proven track record of success and also has your best interest in mind.
When you need someone who puts your best interests first, go with a fee-based advisor. He or she will be compensated only for the time spent on serving your portfolio.
Once you have narrowed your prospects to two or three possibilities, schedule a meeting with each professional. During this consultation, communicate your goals honestly and clearly. A financial planner should be someone who will guide and inform you. He or she will continually increase your knowledge about your current financial situation and how to improve it.
Once you have narrowed your list to one or two advisors; ask each to write a plan for moving you from where you are to where you want to be. Get a written copy of this proposal. This document should have your short-term and long-term goals, and also state who else will profit from the proposal. This plan should be written clearly so you completely understand it. Once everything has been completed to your satisfaction, you can choose a financial advisor. Then you can comfortably relax and know that your money and future are in good hands.
Finding a reliable, reputable real estate agent is essential when you are considering buying or selling a home. These professionals can guide you through complicated negotiations and contracts to secure you the best deal you can get. They’ll also be able to inform you of the precise steps you need to take just before buying or selling.
It goes without saying that you shouldn’t make any property decision under the advisement of an agent you don’t trust. So, do your homework and pick an agent you can have faith will get the job done right.
Lori Erbes of Erbes Realty, LLC has more than 30 years experience and a long history of success. The realty company is dedicated, hardworking, and skilled in all facets of real estate sales. It’s agents are passionate about providing exceptional care to all of its customers.
Erbes Realty, LLC has been expanding the last few years. In 2020, they welcomed new Broker Abigail Vaessen to the team. Vaessen is a Sublette native and loves being part of such a small and close knit community. Her goal is to ensure that all of her clients have a fun, exciting, and stress free real estate transaction.
In 2021, the brokerage welcomed Brokers Tonja Greenfield and Marcia Kosowski. Greenfield is a native of Ogle County and also runs two weekly area newspapers when she is not trying to find her clients the property that’s best for them. As a customer service driven professional, Greenfield takes prides in her work, and looks forward to establishing a long-lasting real estate relationship with her clients.
Kosowski, who resides in Amboy, loves meeting new people, and has been doing just that since she began her real estate career in Illinois in 2018. Kosowski said she has learned so much about viewing life through a different lens and looks forward to meeting many more new friends.
At the initial consultation with a prospective real estate professional, focus on your comfort level while interacting with them.
Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? Can they negotiate a contract? It is important that you feel comfortable with the
agent. You must trust that this person can behave ethically and help you secure a good deal. Communication and Planning
Your agent should be an effective communicator. If you are selling your home, your agent should develop an effective marketing plan, explain it to you, and respond to any questions or concerns you have.
The marketing plan will probably involve placing advertisements and conducting open houses to invite the public for home viewings.
If you are purchasing a home, the agent should listen to your guidelines and price ranges. Above all, your real estate agent needs to provide updates on progress. Do not work with someone who does not return phone calls or emails.
To get a better idea about the process of buying and selling a home, conduct some research on your own. You may find housing statistics, market forecasts and tips, but nothing beats the power of networking. You need to find people
with similar interests who will help you in your endeavor.
Upon successfully buying or selling your home, keep your real estate agent’s contact information on hand.
You may want to refer other people to him or her. You may also need their services again someday.
Stop by or call today and let Erbes Realty help you find your dream home or seasonal vacation spot at Woodhaven Lakes camping resort. Erbes Realty specializes in commercial, residential and farmland real estate. For all your real estate needs, stop by and see the friendly and honest staff.
Erbes Realty is located at 1922 Tower Road, Sublette, and is open 9 a.m. to 4:30 p.m. every day except for Sunday and Tuesday, which is by appointment only.
Call Lori Erbes at 815-535-6295 or visit Erbes Realty online at www.erbes-realty.com.
As a homeowner, you’ll likely tackle repainting your home several times. It’s both necessary and refreshing, in more ways than one.
Few improvement projects can spruce up your home more than a fresh coat of paint inside or out. A new color or coat of your existing paint can yield multiple, immediate benefits — a newer look, more protection and added value. A great paint job can provide all of these transformations. Likewise, a poor job can end up damaging your home at added expense — not to mention the disappointment.
So if it’s time for a fresh coat of paint on your home, shop around and make sure you’re working with a reputable painting company.
Here a few things to keep in mind as you vet potential painters.
When looking for a painting contractor, one of the first things to consider is their previous work. It will give you a good indication of the quality you can expect.
For exterior paint jobs, ask the contractor for a list of buildings he has painted in the past. You can easily inspect his work yourself by visiting the location. A quality paint job should last for several years without showing signs of deterioration.
Samples of interior work can be more difficult to review. Paint contractors may offer photos of their previous jobs, but it is usually better to ask your friends and family who have painted the interiors of their homes.
When you see work you like, try to get contact information for the contractor. You may also get references from realtors or builders in your area, since they have relationships with contractors.
The best painting contractors will help you avoid the costly mistake of choosing wrong colors for your home. A shade that is too light, dark or just “off” can ruin an otherwise good paint job.
True professionals will be patient with you. They will put several options on the wall so you can decide the best color and sheen. They will develop good relationships with you and an interior designer, if you’ve hired one. Some painters are as good at design as they are at applying the paint, so it helps to find one with these extra skills as you plan your project.
Consider all the details before signing a contract.
You should have all the specifications in writing. This contract should include deadlines, along with specifying costs and materials
to be used.
When you have narrowed your choices down to one or two contractors, ask plenty of questions. Inquire about what kind of insurance policy they carry, who will be doing the work at your home and what kind of preparations need to be made. If they are working on the interior of your home, you will likely need to move or protect your furniture before they arrive for the job.
After these questions have been answered satisfactorily, you can be confident you’ve chosen the right painting contractor. Then you can relax while your home gets an updated, fresh new look.
The insurance needs of every home and property are different. So it makes sense that farms, too, have unique insurance requirements.
If you run a farm, you need specialized insurance to protect your investments in equipment, buildings, livestock and crops. Many farmers are well schooled in their understanding of planting schedules and farm equipment, but aren’t experts on the complicated workings of insurance coverage.
A sound insurance policy can make the difference in whether their business lives or dies in the event of an accident or other catastrophe.
When you are in the market for farm insurance, here are some things you need to keep in mind.
With the farming industry changing at a rapid pace, you may have more exposure to the prospects of lawsuits and damages.
Contact with the general public, for instance, brings risk. Roadside produce stands, agri-tourism events and even “pick-it-yourself” fields bring a potential for liability if someone is injured or harmed on your property.
You might also be held liable if someone gets sick from eating your crops.
Every farm is different, with various sizes and types of operations. You might need different coverage from other farms. Have a meeting with your insurance agent to talk about your changing needs when it comes to liability coverage. The agent should develop a customized solution specifically for your needs.
Know your policy
Farm policies are very different from other insurance products. It is important to understand your coverage.
When you meet with your insurance agent, ask the following questions:
— If my house is on the farm, does farm insurance cover it for damage?
— What types of damage to my farm equipment does the insurance policy cover?
— Does the policy include all the barns and buildings on the farm?
— How are my livestock covered? Policies are different. Some may cover livestock, buildings and equipment, while others will provide coverage from disasters, floods and other harm.
Find an insurance agent who is specially trained
to look for risks that exist on farms. You should identify these things and insure against them before they happen. It is better to be prepared rather than feel regret.
Important Questions to Ask Your Agent: Does my home, buildings, equipment, or other farm property have Actual Cash Value or Replacement Cost coverage?
Actual cash value is typical for the outbuildings and equipment, and when a claim happens depreciation is taken into account. (Ex. Roof is blown off a smaller machine shed and needs to have a replacement done. The cost of the new roof is $20,000.00. Assuming a $1,000 deductible. On Actual cash value the age and condition would be taken into account for how much coverage would apply, so if the roof has 75% of the useful life left, the claim payment would be $15,000 for the roof and less the $1,000 deductible = $14,000 check. If they have Replacement Cost, (because the condition is good, limits are higher than with ACV, and typically a higher rate) the claim payment would be $20,000 less the deductible for a check of $19,000. Not knowing which you have until after the claim has happened can create hardship if you are expecting the $19,000 but only receive the $14,000 due to the coverage that is in place.
Do I have the proper and adequate limits on my home, outbuildings, equipment, and other farm
Some people don’t have a great feel for what the costs of things are for repairs and the conditions that need to be met for claims payments to be made appropriately. Some people insure buildings for very little because they just want some coverage in the event it blows over, as they are not going to rebuild it. However, if the building cost $50,000 to build 20 years ago, it could be $75,000 to $100,000 now to build depending on the circumstances.
Make sure you are dealing with an insurance company that has a strong balance sheet and good reputation.
Insurance companies receive ratings based on their finances. A good agent will discuss these ratings with you.
It is equally important to understand the company’s reputation for dealing with claims. Good insurance companies handle farm claims quickly, fairly and professionally. It is always a smart idea to ask other farmers in your area about insurance companies. They may even have some recommendations for you.
Knowing how to protect your farm, equipment and livestock, and getting the right coverage will protect you as well as give you peace of mind.
Choosing to install a solar photovoltaic (PV) system can be the best investment you’ve ever made – but it can also be very expensive, so selecting the right solar company to work with is an important decision. Solar equipment is built and warrantied to last 25-years on average, so going solar is a long-term commitment, which is all the more reason you want a solar company you can trust and have a lifelong relationship with over the life of your solar PV system.
In a fast-growing industry like solar energy, it’s especially important to know the reputation of the company you’re dealing with. Out of state or new companies might be showing up in the marketplace, but that doesn’t mean they’ll necessarily offer the best service or be around long enough 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 long track record of satisfied customers. If possible, request the solar company provides you a customer or two they have already serviced with a solar PV system similar to the one you plan to have installed. Hearing directly from customers of the company is the best way to see how that solar company interacts and services their customers.
There are a wide range of solar PV systems on the market, and the technology itself is going to be a big part of your decision. Your solar PV system can be tied to the existing electrical grid (also known as grid-tied) or tied to a battery system to be off grid. Be aware, the equipment for these two types of system connections differs and will also be reflected in the price of your solar PV system and the equipment associated.
Some solar PV systems generate power more efficiently than others, depending on their design and the type of materials used to make up the system. Be sure to ask questions such as if the solar PV system has power optimizers or remote monitoring capability to ensure the system is producing energy to it’s full potential. These added solar components might be what sets the prices apart when comparing bids, but the overall return on investment of the system will be met sooner when the solar PV system is generating more efficiently to offset your power bill costs.
When considering a solar company, ask them about the warranty spans on the solar equipment
they install. A majority of solar equipment has a 25-year warranty, meaning you will be investing in a long-term solar PV system. In addition, ask what type of workmanship warranty the solar company offers.
Overall, look closely at the math, and pick the solar PV system that gives you the best return for your money. Many systems will pay for themselves over a number of years, so choosing one to be installed by a well-regarded company can be a wise financial move.
Homeowners and business owners will often want more than just solar panels installed; such as a battery back-up system or electric vehicle (EV) charging station that can be tied into the existing solar PV system. It is important to choose a solar company that has a wide range of services such as these.
With technology ever changing, EV are becoming more and more common, so to have the ability to pair your solar PV system with an EV charging station is a huge bonus.
A common myth is that solar energy systems mean you will have power even when the grid is down. This is not true unless you have a battery back-up system paired with your solar PV system. Battery back-up systems are great for those who want the capability to be off-grid, but take into con-
sideration the price of these systems when you compare bids. Battery back-up systems can be installed after an existing solar PV system has installed, so if you decide not to do it now, you can still do it down the road.
The solar company should be familiar with all of the state and federal incentives available to you, and be able to provide you with all of these details. State incentives vary from state-to-state, so depending where you live, they should be able to share what incentives apply to you. Your solar PV system could be eligible for the federal incentive called the Investment Tax Credit (ITC), which is a tax credit in the amount of 30% of your solar PV system cost. It is encouraged to consult your financial advisor or tax preparer to verify if you qualify for the ITC.
Depending where you are located, you could be eligible for utility net-metering. Your solar company should be fully educated on net-metering and be able to tell you if this great incentive applies to you.
Lastly, the solar company’s you contact should be able to provide you multiple financing options to ensure you are financially able to make this investment. There are three ways buyers typically purchase their solar PV system:
Paying Cash: The simplest and most direct way of paying for your system is by being a cash buyer. This route will allow you to be eligible to receive both the state and federal incentives to help offset the cost.
Loans: Both home equality loans and unsecured solar loans may be available to help you purchase your system. Some solar companies have partnered with local banking institutions to provide solar financing. Home equity loans may have the benefit of letting you deduct the interest from your income taxes.
Leases: Some solar companies lease your solar PV system with little to no down payment or upfront costs. A solar lease will let you make affordable monthly payments to your existing utility bills. You will not outright own the solar PV system and will have a lease term length. With lease systems, you usually do not receive the state and federal incentives; those incentive funds are absorbed by the solar company.
Learning that you or a loved one has Alzheimer’s or dementia is a devastating, radically life-altering experience, so you’ll want to choose the best care available.
According to the Alzheimer’s Association, the first step in choosing the right care provider is determining the care needs of the person with dementia. When possible, involve the person with dementia in care decisions.
Deciding how much care a person needs depends on such factors as how independently he or she can walk, eat, use the restroom and bathe. A person with dementia may still live independently early on, but in the middle stages, around-the clock supervision will be needed and becomes more intensive as the disease progresses.
The best care facilities are dedicated to treating Alzheimer’s and dementia. While there is no cure for Alzheimer’s, there are five prescription drugs approved by the U.S. Food & Drug Association to treat the most prevalent symptoms. They physicians and staff in these facilities have also been trained to handle a number of medical problems with a special focus on the mental difficulties associated with these diseases.
The care facility should conduct evaluations to determine where your loved one falls in the Alzheimer’s spectrum —beginning, middle or end stage. The care they give will fit the personal needs of the individual.
After the initial assessment, the facility should be assessed on a regular basis, as in-
dividual needs can change according to the symptoms experienced. The center should be able to adapt to the changing needs.
In-patient or home care?
Depending on which stage you or your loved one fall on the spectrum will determine the need for either in-patient or home care. Naturally, the later stages of the disease may require in-patient care at a treatment facility. Here are some factors to consider when choosing a facility:
When choosing a residential facility, tour the entire center. Ask to see a model resident
room, and if permitted, ask to speak to some residents or family members.
How is the living environment at the facility?
Are the rooms clean and comfortable? Are there quiet areas for reading? Do outdoor activities inspire activity? Does the center have group activities, special outings and other services?
Quality centers provide supervised picnics, fitness and craft classes, religious events and even field trips to enhance the care of the residents. Active people stay healthier longer.
Patients need to feel comfortable and safe. The best facilities offer cozy atmospheres where your loved one can feel at ease.
Professionals who care for Alzheimer and dementia patients know the support of family and friends can have a huge impact. You should have ample opportunities for family visits, activities and outings that include family and friends.
The facility should not feel like a locked hospital ward or a boot camp, but should have security and protective measures in place. Your loved one should be treated with dignity and respect.
Some centers have a pet therapy program for animal lovers and people who have left pets behind.
When you find the right care for your loved one, you can be assured of their safety, health and happiness. And you can enjoy peace of mind knowing they are safe and well cared for.
