How To Guide, Summer 2016

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CLARION PRINCETON DAILY

Valuable information on local products and services

1011 N. Hwy. 257 Otwell, IN

812-354-2197

Manufactured Home

How To Choose....

Buying a home may be the most expensive purchase you will ever make.

A manufactured home may be an appealing option for you.

CHOOSING A HOME

If you have decided that a manufactured home is right for you, consider the following: • What size home and floor plan do I want?

Manufactured homes come in a variety of sizes and floor plans. Depending on the size of your homesite, you can choose a single-section or larger multisection design. Homes range in size from 900 to 2,500 square feet and can be customized to your needs, and preferences.

• What features are available?

The interior design of your home can include custom cabinets, walk-in closets, bathrooms with recessed tubs and whirlpools, and wood-burning fireplace.

Exterior siding comes in an array of colors and materials: metal, vinyl, wood, hardboard.

• How much can I expect to pay for a home?

Depending on the size, floor plans and features, anew home can cost anywhere from $15,000 to more than $100,000.

This price doesn’t include the land.

• What financing options are available?

Your retailer usually can provide information about financing. You can also check with lenders in your area. just as there are choices when buying a sitebuilt home, there are also options for financing a manufactured home. Down payments and loan terms are similar - 5 to 10 percent of the manufactured home’s sales price, and loan terms from 15 to 30 years. Most lenders offer fixed and variable rate loans and most have programs that allow you to “buy the rate down.” If you own or plan to purchase the land where you will place your home, traditional mortgage financing can usually be arranged.

• What other costs can I expect to pay?

While your mortgage payment may be your biggest expense, you’ll have other regular and periodic payments. They may include utilities,property taxes, land rental fees, insurance, routine maintenance, and other ‘service fees such as water and sewer. Today’s manufactured homes are built to meet new national energy standards set by HUD. The energy conserving features

July 2016

www.dutchtown-homes.com found in manufactured homes help reduce your monthly energy costs.

• How much maintenance will my home need?

Your homeowner’s manual outlines maintenance requirements. It’s important that they’re followed. Failure to do so could void the warranty, as well as lessen the value and life of your home.

• What warranty coverage is offered on the home,its transportation, and installation?

All manufacturers offer a written warranty that should cover structural workmanship; factory installed plumbing, heating and electrical systems; and factory-installed appliances, which also may be covered by separate appliance manufacturer warranties.

There are important differences among warranties. For example, manufacturer warranties usually do not cover installation (also called “setup”)and transportation of the home, but you may be able to get this coverage through the retailer or installation contractor.

• Where can I locate my home?

Many homes are placed on. privately owned property. If this option appeals to you, find out about zoning laws, restrictive covenants, and utility connections. Your retailer can give you more information. Another option is to place your home in a land-lease community specifically designed for manufactured homes. Here, you own the home but lease the land. Placing your home on a land-lease community involves fewer siting considerations such as utility connections. A third option is buying the home and land together in a planned subdivision.

• May I move my home?

Yes, but it’s not common to do so. The transportation of a home can place considerable stress on its structure and contents. Nevertheless, if you do plan to move your home at some future time,make sure you check with the, appropriate state authorities about transportation and zoning regulations.

States have restrictions in weight, size and width that may prevent you from moving your home. If you relocate, make sure you use a professional transporter. It’s also important to check the data plate zone maps in your home.

These maps tell you the wind,snow and thermal zones for which your home was constructed. Use them to determine if the new location is suitable for your home.

Cost is another consideration. Besides transportation expenses, which include licensing fees to take your home through a state, you’ll have to pay for a new foundation, installation, and utility hood-ups.

BUYING A HOME

Most manufactured homes are sold through retail sales centers, many of which are independently owned and operated. Shop around. Retailers offer a variety of products and services. Many will help you choose your home and its features and, if you want, place a custom order with the factory.

IMPORTANT POINTS

• Warranties available with manufactured homes include a written warranty from manufacturer, an implied (unwritten) warranty from seller, retailer’s warranty (includes terms), and appliance warranty for installed appliances in the home • Site preparation includes making sure the delivery truck can reach the location,the site is level and clear of trees,rocks and other debris,the land is grade and sloped away from home for water runoff,and fill soil is compacted to prevent foundation sinking or shifting.

• For installation, get written proof of installer’s qualifications, ask for a written warranty or get promises and claims in writing, and have process explained, preferably in writing.

Princeton Daily Clarion & Oakland City Journal

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Experts in Rehabilitation

Our Moving Forward program is designed for those striving to restore abilities lost due to stroke, cardiovascular difficulties, orthopedic surgery and other debilitating conditions.

Programs vary in frequency and intensity and include physical, occupational and speech/languagetherapies.

Our goal is to return our participants home safely with the skills they need to continue life on their own terms.

• Newly Remodeled Suites with TVs, Phones and Refrigerators • Therapy Services provided 7 Days/Week • Vital Stim Certified • Transportation Provided

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Life Yto our its Fullest!

“Where caring people make the difference!”

ASCSeniorCare.com Page 2

Princeton Daily clarion & oaklanD city Journal

July 2016

231 N. Jackson St., Oakland City, IN 47660

A Nursing Home Ask A Lot Of Questions About Any Nursing Home You’re Interested In. Examples: • Do people you talk to regard this as a good nursing home?

• Has the state licensing agency found an unusual number of violations here?

• Does the home have enough staff, especially nursing assistants, to give residents the care and personal attention they need?

• Are staff friendly, considerate, and helpful?

• Are residents treated with dignity and respect?

• Are there a lot of staff changes because workers leave?

• Do staff do their jobs well?

• Does the nursing home provide the special services your loved one needs?

• Are there always enough linens and other supplies?

There are many ways to go about • Are families concerned about fee selecting a nursing home that will be increases or extra charges for right for you. Besides researching supplies or services? state inspection reports, getting word • Is the “quality of life” good-such of mouth recommendations and things as choices of food at meals looking at promotional literature; and which clothes to wear, a home nothing is more valuable than the like environment, and interesting or insight you gain from making entertaining activities? personal visits. Visit more than one • Does the nursing home have an nursing home, and visit more than active resident council? An active once. Ask a lot of questions, and trust family council? your feelings about the places you • Are there some really good things visit. about this facility?

How To Choose....

It is vital for your family member that you spend a considerable amount of time researching the nursing home before you send them to the home. It is much easier to pick a good home in the beginning than it is to choose a poor home and have to go through the many obstacles to improve the care or try to transfer your family member to another facility. It is important not to judge the nursing home on the basis of a guided tour or the nice furniture and wallpaper in the lobby. You must remember that, especially in a for-profit nursing home, they put a lot of effort in marketing to convince you to bring your family member to their home.

The pictures of happy grandmas in their brochures, nice dining rooms and landscaped entrances do not give you an idea of the quality of the basic care that your family member will receive.

Find out as much as you can about each nursing home. A good way to do this is to talk to: • The long-term care ombudsman, who visits nursing homes and investigates complaints.

• Doctors, nurses, hospital social workers, clergy, and other professionals who are familiar with nursing homes.

• Family members and friends of people who live in the nursing homes.

• Residents of the nursing homes.

• Nursing home employees, especially nursing assistants, who give 90 per cent of the care.

July 2016

Planning Planning ahead is one of the best ways to ease the emotional stress when seeking a nursing home. If you are helping a relative or a friend find a nursing home, involve them in the process as much as possible. If the person is mentally alert, it is essential that their wishes be considered every step of the way.

812-749-4774

to expect in the admission process and the first few days in their new home.

• Visit rooms where various therapies and recreational programs are held.

• Observe the dining area, beauty salon and the schedules for each.

• Inquire about security measures, especially for residents who have a tendency to wander.

• Ask about facility policies regarding use or installation of telephones, cable television and bringing personal items into the facility.

• Observe how the staff meets with you and how they interact with other residents during your visit (are they respectful, caring, and attentive?)

• Observe if the residents are occupied, supervised, satisfied, well groomed and if the rooms are personalized.

• Is the facility free of overwhelming unpleasant odors?

• Is the home clean and wellmaintained?

• Do chairs and other furniture seem sturdy, attractive and comfortable?

• Is the facility well lighted?

• Taste the food, is it good?

• Are the residents who need help eating receiving assistance?

• Are there hand rails in hallways and grab bars in bathrooms?

• Is the temperature comfortable?

• Do patients’ rooms have windows?

By planning ahead and educating yourself and your family about nursing home care and services, it will become a much easier transition when you can no longer put off admitting someone to a nursing home. It will also put the future resident’s mind at ease to know what

Princeton Daily Clarion & Oakland City Journal

What You Should Know • Do not choose a nursing home on the basis of a guided tour or the nice furniture and wallpaper in the lobby.

• In selecting a nursing home make personal visits.

• Ask a lot of questions about any nursing home you’re interested in.

• Planning ahead is one of the best ways to ease the emotional stress when seeking a nursing home.

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Princeton Daily Clarion & Oakland City Journal

July 2016

A Financial Advisor

How To Choose....

Like most people, you probably are plenty busy with your work and family. So you may not have the time and expertise needed to thoroughly understand the investment world.

That’s why you may want to work with a professional investment representative. But how do you find the right one? You can start by asking the right questions. Here are a few to consider: • Have you worked with people in my situation? — As an investor, you have your own special set of characteristics: level of assets, stage of life, long-term goals, etc. Before you sign up to work with an investment professional, you need to make sure that he or she is comfortable working with someone like you.

• What are your credentials? — Inquire about an investment professional’s qualifications. Make sure anyone you might work with has all the necessary securities licenses.

• What is your investment philosophy? — Just like investors, investment professionals have different investment personalities.

Some might be naturally more aggressive, while others are conservative. But the ideal professional is someone who will provide you with guidance that’s based on your risk tolerance and investment preferences.

• How will you communicate with me? — You’ll want to make sure that your broker will communicate regularly with you. Find out when you’ll receive statements and how often you’ll meet in person to review your portfolio. Will you receive email with suggestions and recommendations? Are you free to contact your broker at any time? If the broker is not available, is there someone else that he or she works with who will be familiar with your situation? It’s important to find these things out as soon as possible.

Remember, you’re entrusting this

July 2016

Chris S. Barthel

118 S. Main Street, Princeton, IN 47670 Phone 812.386.7727 • Fax 812.386.7729 thebarthelagency.com • chris@thebarthelagency.com

person with your financial future — so you have a right to expect open, honest and frequent communications.

• What sort of resources do you have to draw on? — Find out if a prospective investment professional has access to highquality research and technical expertise in key areas, e.g., investments, insurance and estate planning. In some cases, a broker may be able to bring in added expertise through a relationship with another professional, such as an attorney or accountant.

• How do you get paid? — Investment professionals get paid in a variety of ways: fees, commissions, percentage of assets under management, or even a combination of these. You need to know, right from the start, how your broker is getting compensated.

• Can you provide me with references? — A lot of people are too shy to ask for references.

However, a reputable financial professional will be happy to give you some names of people you can call. Of course, you shouldn’t expect a broker to provide you with the specifics of other clients’ financial transactions. But you should be free to ask about a broker’s style, responsiveness, etc. You may need to interview several candidates before you find a suitable investment professional.

But it’s worth the effort. Making the right choice today can pay off far into the future.

Tax preparation can be complicated.

So, if you do want some personal help, you’ll need to turn to a professional. But how can you find one? Should you just look in the Yellow Pages under “Tax Preparation?”

You could, but there are better ways.

Start by asking your friends or relatives who they use. If they can recommend someone they’ve had good experience with, seek this person out, but don’t automatically hand over your 1040. Before you sign on the dotted line, ask some questions. Here are some you might want to use: Are you accredited?

A lot of people claim to be “tax preparers,” but they’re not all experts - or even professionals.

Make sure the preparer you’re considering has the proper credentials, either as a tax attorney, a certified public accountant or an “Enrolled Agent” - someone who can present you before the IRS in case of an audit. Usually, all these people are required to attend continuing education classes - a big plus for you, since it means they’ll be familiar with the latest tax law changes.

Do you have experience working with people like me?

This might be the most important question of all. You’ll want someone who is familiar with your general situation. For instance, if you’re self-employed, you’ll want someone who has worked with people like you, and who knows all the various deductions you can claim, the business expenses you can write off, etc.

Can I reach you when tax season is over?

Tax preparers work very hard during tax season. In fact, some of them work so hard that they take several months off when the season is over, but you could have a question about your taxes at any time. Maybe you want to know the tax consequences for converting a traditional IRA to a Roth IRA. Or maybe you want to donate some appreciated stock to a charity and you want to find out how this might affect your tax picture for the year. Dozens of issues could arise outside tax season - which is why you’ll want to pick someone who’s available the year round.

Princeton Daily Clarion & Oakland City Journal

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Hwy. 41S Princeton, IN

812-386-6580

Lawn Equipment

How To Choose....

With the American Dream of home ownership, 1.5 kids and a couple of cats,comes, inevitably, a lawn. The question is: what kind of equipment do you need to properly care and tend for your own slice of heaven? Here are some ideas: Size Matters Lawn mowers come in all shapes, sizes and ranges of power. The most frequent mistakes homeowners make is getting something too large or too small for their needs. While there are no handy formulas for figuring this out, there are a few tips: While riding lawn mowers are cool and now frequently come with cup holders (an innovation way too long incoming), some lawns are just too small to comfortably operate a lawn tractor.

For these yards, the best choice is a good push mower. A general rule of thumb is that a yard that can be comfortably mowed with a push mower in 45 minutes or less is too small for a rider. Yards of a half-acre or more likely would benefit from a lawn tractor. These range in horsepower, attachments and ease of use. A qualified dealer or retailer will be happy to walk you through the steps of determining your specific needs. You should be prepared to tell the dealer how big your yard is, whether you intend to use the tractor for other tasks, such as plowing the garden or grading the driveway, how often you intend to mow and so on.

Various Tools The range of available equipment for lawn and yard needs is dizzying. To wade through the clutter, ask yourself a series of questions: 1. What do I want to accomplish? Do I have enough border, for instance,to justify a machine to cut the borders out periodically,or would I be better served with a simple blade shovel?

2. How much am I willing to spend on single-use machines?3. Am I worried about disturbing the neighbors at 6 a.m. on Sunday with a noisy chainsaw, or should I go electric?

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Mon - Fri: 7:30-4:30 • Sat: 7:30-12:00 john@kieselent.com www.kieselent.com

Repair And Maintenance Just like a car, many yard tools and tractors come with factory warranties.

Ask for the specifics before purchasing. Also ask what happens if the piece of equipment breaks down.

Will the dealer pick it up, or do you have to haul it there?Be sure to keep track of any owner manuals (a plastic bag hanging on a nail in the garage is a good investment). The manuals often list replacement parts, and have a complete maintenance schedule.

Your Yard And Clean Air The federal government anticipates that regulations now being developed will bring cleaner lawn and garden equipment to market within a few years. Meanwhile, consumers can make a difference by adopting practices that will help protect the environment now and in the future: Avoid spilling gasoline Preventing spills and overfills is an easy and effective way for power equipment owners to prevent pollution. Even small gasoline spills evaporate and pollute the air. Use a gasoline container you can handle easily and hold securely. Pour slowly and smoothly. Use a funnel,or a spout with an automatic stop device to prevent overfilling the gas tank. Keep the cap or spout and the vent hole on gasoline containers closed tightly.

Transport and store gasoline and power equipment out of direct sunlight in a cool,dry place. Use caution when pumping gasoline into a container at the gas station.

Maintain Your Equipment Follow the manufacturer’s guidelines for maintenance. Change oil and clean or replace air filters regularly.

Use the proper fuel/oil mixture in two-stroke equipment. Get periodic tune-ups, maintain sharp mower blades, and keep the underside of the deck clean. Take time to winterize equipment each fall.

the marketplace. Propane and solar options are also available for some types of equipment. Electric equipment is cleaner than equipment powered by gasoline engines.

Electrically powered lawn and garden tools produce essentially no pollution from exhaust emissions or through fuel evaporation. However, generating the power to run electric equipment does produce pollution.

Use Manual Tools Tools that don’t require electric or gasoline engines are especially handy for small yards or small jobs. There are hand tools available that will meet a wide variety of lawn and garden needs, like lightweight,quiet, easy-to-use reel push mowers that generate no emissions.

Reduce Mowing Time Use low-maintenance turf grasses or grass/flower seed mixtures that grow slowly and require less mowing.

Check with your local agricultural extension service or lawn and garden center about what is appropriate for your region. Decrease lawn area.

Plant additional trees and shrubs to reduce the energy costs of heating and cooling your house and to provide landscaping for wildlife.

Native wildflowers and plants require little to no maintenance after planting.

IMPORTANT POINTS • Select proper equipment for your circumstances.

• Keep equipment maintained properly.

• Compare warranties • Who will do service on equipment?

Consider Cleaner Options Ask your dealer about the new, cleaner gasoline equipment entering

Princeton Daily Clarion & Oakland City Journal

July 2016

COUNTRY CLIPPER

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• Residential Grade Zero-Turn Mower • New for 2016, the Avenue brings together a compact rugged machine for residential home owners.

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• Residential Grade Zero-Turn Mower • The all-new Boulevard is designed for the discerning homeowner with pro features at residential prices.

• Engine Options • 23 hp Kohler® KT730 • Cutting width options 48”, 54”, 60” • Steering option – joystick

Phone: 812-386-6580

Mon-Fri – 7:30-4:30 • Sat – 7:30-12:00

john@kieselent.com www.kieselent.com

1198 S. Kiesel Dr., Princeton, Indiana January 2016

Princeton Daily Clarion & Oakland City Journal

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Pre-qualifying for a home loan is a powerful negotiating tool when you’re looking for a new home. At German American, you can get pre-qualified for your dream home by applying online.

When using our online Home Loan Center, you can even calculate what you can afford to buy to help you stay within budget. Feel free to contact Donna Potts with any of your home loan questions. From pre-qualification to a timely closing, German American can help you every step of the way!

VA loans • FHA loans • USDA loans • Down Payment Assistance loans • Conventional loans

Princeton: 231 W. Broadway I (812)386-1174 Oakland City: 1100 W. Morton Street I (812)749-3519

Donna Potts NMLS #527561

Cell: (812)215-0260 donna.potts@germanamerican.com

Visit our Home Loan Center to pre-qualify or apply online...germanamerican.com

Page 8

Princeton Daily Clarion & Oakland City Journal

Voted Best Mortgage Orginator in Gibson County since 2007!

Follow the current home loan rates.

July 2016

How To Choose A Mortgage

How To Choose....

You’re starting to look for a mortgage or want to confirm you made a good decision. To make the most of your mortgage, you need to decide what works for you and then shop around to find it.

groceries, child care, health insurance, repairs, and everything else.

2. Understand your credit

Your credit, your credit scores, and how wisely you shop for a loan that 1. Define what affordable means to you best fits your needs have a significant impact on your mortgage interest rate Only you can decide how much you are and the fees you pay. To improve your comfortable paying for your housing credit and your chances of getting a each month. Your mortgage lender can better mortgage, get current on your consider if you are able to repay your payments and stay current. About 35% mortgage, yet you need to determine of your credit scores are based on whether you will be comfortable whether or not you pay your bills on repaying your loan. Based on your time. About 30% of your credit scores whole financial picture, think about are based on how much debt you owe. whether you want to take on the That’s why you may want to consider mortgage payment plus the other costs paying down some of your debts. of homeownership, such as appliances, repairs, and maintenance.

TIP: Be careful making any big purchases on credit before you close on Step 1. Estimate your total monthly your home. Even financing a new home payment refrigerator could make it harder for you to get a mortgage.

Your total monthly home payment is more than just your mortgage. There TIP: Correcting errors on your credit are more expenses that go along with report may raise your score in 30 days owning your home. Start with estimates or less. It’s a good idea to correct errors and adjust as you go. Add up the before you apply for a mortgage. following items: principal and interest, mortgage insurance, property taxes, 3. Pick the mortgage type - fixed or homeowner’s insurance, and adjustable - that works for you homeowner’s association or condominium fees, if they apply.

With a fixed-rate mortgage, your principal and interest payment stays the Step 2. Estimate the percentage of same for as long as you have your loan. your income spent on your monthly home payment ⌧Consider a fixed-rate mortgage if you want a predictable payment.

Calculate the percentage of your total monthly income that goes toward your ⌧You may be able to refinance later if total monthly home payment each interest rates fall or your credit or month. A mortgage lending rule of financial situation improves. thumb is that your total monthly home With an adjustable-rate mortgage payment should be at or below 28% of (ARM), your payment often starts out your total monthly income before taxes. lower than with a fixed-rate loan, but You may be approved for more or for your rate and payment could increase less depending on your overall quickly. It is important to understand financial picture. To come up with your the trade-offs if you decide on an ARM. percentage, take your estimated total monthly payment divided by your total ⌧Your payment could increase a lot, monthly income before taxes, and often by hundreds of dollars a month. multiply that number by 100.

Step 3. Estimate what is left after subtracting your monthly debts To determine whether you are comfortable with your total monthly home payment, figure out how much of your income is left after you pay for your housing, plus your other monthly debts. Add your total monthly income after taxes with your estimated total monthly home payment. Then, subtract your monthly debts. This remaining money must cover your utilities,

July 2016

⌧Make sure you are confident you know what your maximum payment could be and that you can afford it.

⌧20% or higher down payment: This option will likely provide the best rates and most options. However, think twice if the down payment drains all your savings. ⌧5-19% down payment: You probably have to pay higher interest rates or fees. Lenders most likely require private mortgage insurance (PMI).

PMI is an insurance policy that lets you make a lower down payment by insuring the lender against loss if you fail to pay your mortgage. ⌧Less than 5% or no down payment: Low down payment programs are typically more expensive because they may require mortgage insurance or a higher interest rate. Look closely at your total fees, interest rate, and monthly payment when comparing options.

Ask about loan programs such as: • Conventional loans that may offer low down payment options.

• FHA loans that are insured by the Federal Housing Administration and offer a 3.5% down payment program.

• VA loans that are backed by The Department of Veterans Affairs and offer a zero down payment option for qualifying veterans.

• USDA (United States Department of Agriculture) loans that offer a zero down payment program for eligible borrowers in rural areas.

5. Understand the trade-off between points and interest rate Points are a percentage of a loan amount.

For example, when a loan officer talks about one point on a $100,000 loan, the loan officer is talking about one percent of the loan, which equals $1,000. Lenders offer different interest rates on loans with different points. There are three main choices you can make about points. You can decide you don’t want to pay or receive points at all.

This is called a zero point loan. You can pay points at closing to receive a lower interest rate. Or you can choose to have points paid to you (also called lender credits) and use them to cover some of your closing costs.

Knowledge about your home loan options will help you make sound decisions when you are searching for a home and choosing a 4. Choose the right down payment mortgage lender. Many lender websites have for you online financial calculators and online home loan applications to help you start the A down payment is the amount you pay mortgage process. Be sure to choose a toward the home yourself. You put a trusted mortgage lender who is available to percentage of the home’s value down help you explore your options and make and borrow the rest through your good decisions so you and your family can mortgage loan. enjoy your new home.

Princeton Daily Clarion & Oakland City Journal

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Princeton 812-386-3222

Evansville 812-867-3222

MIDWEST REAL ESTATE

www.RMWRE.com Page 10

Princeton Daily Clarion & Oakland City Journal

July 2016

Princeton

A Realtor

MIDWEST REAL ESTATE

Who Is A Realtor®?

The terms broker and REALTOR® are often used interchangeably, but have very different meanings. For example, not all brokers are REALTORS®. Learn who is a REALTOR® and the reasons why you should use one. As a prerequisite to selling real estate, a person must be licensed by the state in which they work, as a broker. Before a license is issued, minimum standards for education, examinations and experience, which are determined on a state by state basis, must be met.

How To Choose....

sale in a particular region. How often do you cooperate with other local brokers on a sale?

• What have you listed or sold in this neighborhood lately?

• Do you cooperate with buyer’s brokers?

• What share of the commission will you offer a cooperating broker who finds the buyer? And in addition to the criteria mentioned above, there are a number of very important reasons you will typically prefer to work with a REALTOR®. Among them is the fact that they adhere to the NAR’s highest standards of ethical conduct and professional After receiving a real estate license, most Brokers go on to join their local training. association of REALTORS® and the NATIONAL ASSOCIATION OF What A Realtor® Will Do For You ® Some of the duties your REALTORS , the world’s largest REALTORS® will perform for you professional trade association. They include: can then call themselves • Walk through the process of REALTORS®. The term“ REALTOR®” is a registered selling your home from beginning to collective membership mark that end. identifies a real estate professional • Provide comparable information who is a member of the NATIONAL about the prices for which other ASSOCIATION OF REALTORS® properties have sold and analyzing and subscribes to its strict Code of data for you to gain a true Ethics (which in many cases goes comparison. beyond state law). It is the • Supply information regarding REALTOR® who shares information local customs and regulations you on the homes they are marketing, may want to consider. through a Multiple Listing Service • Share information about your (MLS). Working with a REALTOR® home through the Multiple Listing who belongs to an MLS will give you service and on the Internet. access to the greatest number of • Place advertisements for your homes. home.

• Field phone calls.

The following are important • “Qualify” potential buyers to questions to ask a potential agent: make sure they would be financially • Are you a REALTOR®? able to buy your property.

• Do you have an active real estate • Prepare and present a sales license in good standing? To find this contract. information, you can check with your • Alert you to potential risks. state’s governing agency.

• Comply with the disclosures • Do you belong to the Multiple required by law.

Listing Service (MLS)? Multiple • Provide you with an estimate of Listing services are cooperative the closing costs you will incur. information networks of • Help you prepare for a smooth REALTORS® that provide closing of the transaction. descriptions of most of the houses for

July 2016

Princeton Daily Clarion & Oakland City Journal

812-386-3222 Evansville

812-867-3222 The Top Five Things You Should Know…

1. Look for a Broker who is a member of the local board or association of Realtors®.

2. A Broker should explain and disclose their role and who they represent at the serious first contact.

3. The Broker should advise you on preparing your home for the market.

4. Be sure the professional shows enthusiasm, listens well, instills confidence and has a personality that is complementary to yours.

5. The Broker should research your property and provide data on nearby homes that have or have not sold.

Selling or buying on your own is not an easy undertaking. It requires a significant amount of time to study the process, understand your obligations, and do some of the complicated work that a real estate sales associate does.

Page 11

Looking to improve your water? We can help!

At Culligan, we know water and are passionate about helping you get the best quality, greatest tasting, and healthiest water at a fair price.

In Your Home:

At Your Business:

Reverse Osmosis Drinking Water – The best solution for great tasting water right at your kitchen sink in almost limitless supply.

Bottled Water Delivery – Fast, Dependable service from your Culligan Man.

Bottled Water Delivery – Fast, Dependable service from your Culligan Man. Water Softeners and Conditioners – Some competitors try to make you think there’s some sort of difference between “softened” and “conditioned” water but the 2 terms have been interchangeable in the water treatment industry for about 80 years.

Water Filters and Treatment – There’s nothing worse than investing your time and money for a solution that doesn’t work. Let us help you make sure you get the right water filter and water treatment the first time!

Water Testing – In most cases, before we can recommend the best treatment, testing your water is the first step.

After all, how can we treat your water if we don’t know what’s in it?

Bottle-Free Coolers – An environmentally friendly, costeffective way to get bottled water in your office without any bottles!

Commercial Softeners or Conditioners – Whether for a restaurant, car wash, hotel, or hospital, Culligan has the best water softeners to save you time and money each month on soap and cleaning expenses.

Commercial Reverse Osmosis – Best in the industry Commercial and Industrial sized Reverse Osmosis systems engineered for your required flow rates, water quality, and budget.

Deionized or Ultrapure Lab-Grade water – For medical and lab quality water in the Evansville Area.

377 Fuquay Rd., Chandler, IN 47610 812-853-5000 • culliganevansville.com

Page 12

Princeton Daily Clarion & Oakland City Journal

July 2016

Water Treatment Equipment & Service

How To Choose....

Water Softeners What qualities should you look for when purchasing a water softener? In a nutshell, look for equipment that is efficient and long lasting. These units will save you money in operating costs and greatly reduce the amount of service work needed over the life of the softener.

Softener efficiency is one of the most important aspects to consider when buying a water softener. Be sure to buy a “metered” unit, as these will operate most efficiently. The meter, whether electronic or mechanical, will monitor water usage and regenerate only when necessary. Why is this so important? Consider that every time a water softener regenerates it uses roughly 10 pounds of salt and 80 to 100 gallons of water.

When you eliminate unnecessary regenerations, the savings multiply quickly!

Buying a softener is an investment. Be sure to get your softener from a reputable dealer that carries a quality, serviceable product. This is where the phrase “ You get what you pay for” comes into play. A good softener is not disposable, so base your decision on quality and unit longevity.

Water Filters If you have rusty or smelly water, a filter may be necessary.

Be sure to have the water tested to see what specific problems you’ re dealing with and shop accordingly. It is essential that the filter be sized properly for your application.

Not sure how the filter will work or if you need one? Call your local water conditioning dealer and see what they recommend. Also, talk to your friends, neighbors, and coworkers and see what they are using to treat their problem water.

This is an excellent way to see

July 2016

377 Fuquay Rd., Chandler, IN

812-853-5000

culliganevansville.com

what works and what doesn’t.

Start out renting the equipment and let the system speak for itself.

If it works, great! If it doesn’t, try something else. There are many different filters available so don’ t be afraid to ask questions.

Drinking Water You can install a drinking water filter in your home and enjoy great tasting, filtered water without leaving the house to get it. Once you start drinking filtered water, rest assured that you will drink more and more. This happens for one simple reason, the water tastes good.

Here are a few things to think about before you purchase a drinking water filter. What water do you want filtered? How much will the filter cost?

Do you want the refrigerator hooked up too? Be sure to consider filter capacities and suggested maintenance, as this will dictate the overall cost of operation.

problem, you deserve the best service possible. Here are some qualities to look for that will help you locate good technical service: Extensive parts inventory, fully stocked trucks, friendly customer service, vast product knowledge, and a clean facility. If these things are present, chances are very good that your needs will be satisfied in a timely fashion.

Salt - Delivery or Pick Up? Water softeners need salt to clean and recharge the mineral bed. Over the course of five years, a softener that regenerates twice a week will use more than 4,000 pounds of salt!

Water softener salt is on sale at the grocery stores, convenience stores, home stores, etc. Evaluate your schedule and physical shape when determining if you want to pick up, deliver, and load the salt yourself, or, if you want a service to deliver it for you. If your choose to find a delivery service, look for a company that is equipped to meet your needs and offers a preset delivery schedule so you don’ t run out.

Service Finding good technical service is not easy. Whether it is for a new installation or troubleshooting an existing

Princeton Daily Clarion & Oakland City Journal

Important Points...

• Look for efficiency and longevity in a water softener.

• Do you have rusty or smelly water? Have your water tested to determine the specific problems before installing a water filter.

• If you have a service deliver your softener salt, choose one with a preset schedule so you don’t run out.

• You can have great tasting water straight out of the tap with a drinking water filter.

• Quality service is priceless, especially when you need it shop around for the best!

Page 13

Call us at 812-963-3130

Roofing/Windows

Or visit us at

www.tristateroofingandremodeling.com

How To Choose....

HOW TO KNOW IF I SHOULD efficiency. Old and damaged roofs REPAIR OR REPLACE MY can leak warm air into your home ROOF? during the long summer months.

They can also allow warm air to First and foremost is the age of escape during winter months, your roof. Our experts at TriState making your energy bills high.

Roofing and Remodeling suggest that the average life of a roof is 20- Benefit 3 - Amazing curb appeal!

25 years. If the shingles are curling Your roof has the biggest impact on a first impression of your home. or buckling this could mean that Roofs come in different shapes, the shingles are past their life expectancy or this could also mean color and materials. Whether you are wanting a metal roof, that the shingles are defective. dimensional shingle roof or a Contact us today to see if you standing seam roof, we can make it could be eligible for a happen! reimbursement. Other signs TriState Roofing & Remodeling include missing shingles, shingle are experts in making first granules in the gutters and if you impressions last a lifetime! can see daylight coming in through the roof boards.

shingles.

-Standing seam roofing is similar to metal roofing but with a more aesthetically pleasing design aspect. While metal roofing can have more of a barn-like look, standing seam roofs provide the same durability while adding beauty that is sure to complement any home.

OTHER SERVICES OFFERED

BY TRISTATE ROOFING & REMODELING We pride ourselves on being the TriState expert on everything exterior! Our other services include:

- Replacement windows - when is comes to replacing the windows HOW TO CHOOSE THE in your home, vinyl is the way to RIGHT ROOF FOR YOUR There are 3 main types of roofing go! Vinyl Windows are an HOME? that we specialize in; metal economical alternative and provide roofing, dimensional shingles and So, you have found out that you a number of benefits that include: need a new roof. Now the question standing seam roofing.

- High level of insulation is what roof is right for your -Metal Roofing - while other - Noise reduction home? At TriState Roofing & roofing can deteriorate with age - No chance of termites Remodeling we know there are so metal roofing is longer lasting and - Maintenance free (No painting, many variables when choosing provides stability for many many no scraping or puttying) your new roof so here are some years to come. Benefits of metal - Increase value of your home guidelines to go by: roofing: - Vinyl Siding - if you are -How long will it last? *Interlocking panels for greatest looking for durable siding for your -Does the roof have enough wind resistance home, vinyl siding is a great slope? *Keeps homes cooler & energy solution. With many different types -Will it compliment the look of efficient and colors to choose from, you are my home? *Fire resistant sure to find something that fits -Is this going to fit in my budget? *Low weight metal construction your style! Call us today to learn helps preserve structural integrity about textures and colors that will BIGGEST BENEFITS TO *Many different styles to match work best for you!

REPLACING YOUR ROOF! your lifestyle and neighborhood - Gutter Guards - every year, Benefit 1 - Increasing the value -Dimensional shingles are gutters are damaged from an of your home. According to superior to the regular asphalt overflow of leaves, mud, and dirt. remodeling magazine, you can shingles. Here’s why! They are This happens because traditional recoup up to 70% of your dollar. constructed from a heavier base gutters are open to all of these Making the decision to replace that contains multiple layers. These elements. But with gutter guards your old roof is an investment that multiple layers, when assembled, installed, these items are filtered will be rewarding for years to make the shingles seem out and only water enters the come. dimensional and thus give the gutter!

Benefit 2 - Superior energy appearance of non-asphalt

Page 14

WHAT TYPE OF ROOFING DO WE USE?

Princeton Daily Clarion & Oakland City Journal

July 2016

g n i h t y ver

Your local Experts on

E

TriState

Exterior

We are your destination for everthing exterior! With services that include metal roofing, replacement windows, vinyl siding, gutter guards, dimensional shingles, standing seam roofing, and more!

Roofing & Remodeling

Our expertise allows us to take care of all your home exterior needs.

Servicing the greater Evansville and Tri-State area!

Get your FREE Call US @ 812-963-3130 Or Visit us Estimate TODAY! @ www.tristateroofingandremodeling.com July 2016

Princeton Daily Clarion & Oakland City Journal

Page 15

• Alignments • New and used tires • Brakes • Oil changes • All basic car needs

Josh Eaden

Justin Pharris

Locally Owned And Operated Josh Eaden and Justin Pharris

213 S Hall St., Princeton, IN Page 16

812-385-4173 Princeton Daily Clarion & Oakland City Journal

July 2016

213 S Hall St., Princeton, IN

812-385-4173

Tires

How To Choose....

How To Choose The Right Tire The tires on your vehicle can affect your safety and driving enjoyment.

Choose tires that match both your vehicle and the way you drive.

How Many Tires Do I Need?

All four tires should be identical. If your tires don’t match, you could have handling problems. For instance, one end of your vehicle may not respond as quickly or completely as the other end, making the vehicle more difficult to control.

If you just need to replace one tire that has been damaged, replace it with a tire of the same brand type, size and speed rating. A tire that doesn’t match the other three tires on your vehicle could affect your driving safety. If you need to replace two tires and the remaining two have a lot of tread depth left, replace them with tires that match your existing set as closely as possible.

Identical new tires are best but others of the same size and type can also provide good results.

Should I Buy A Different Type Of Tire?

If you are replacing all four tires, you can explore another category of tires. If you want longer lasting tires, better traction or a smoother ride, there are tires that will help you accomplish this.

What Size Tire Do I Need?

Tires must be able to carry the weight of your vehicle. If a tire is overworked just carrying the load, it will have little reserve capacity to help your vehicle respond quickly and safely. Do not buy undersized tires. Check your owner’s manual, vehicle door jam or glovebox, to find the size of tire recommended for your vehicle. The other size consideration is overall tire diameter. For cars and vans, stay within a +/-3% diameter change.

Pick-ups and sport utility vehicles(SUVs) are usually

July 2016

engineered to handle up to a 15% oversize tire.

for the driver and passengers while protecting the vehicle.

What Weather And Driving Conditions Will The Tires Face?

Select a tire that suits the driving conditions you face most often:— Snow or ice: snow tires— Heavy traffic: more responsive tires— Winding roads or in the mountains: a tire that handles well— Extensive highway driving: tires with a smooth, quiet ride. If you face very different driving conditions (heavy snow in the winter and lots of highway driving in the summer), consider selecting two sets of tires.

You’ll get better driving performance and longer total wear from your tires.

Transmits Forces Tires transmit the engine’s power to accelerate and the braking force to stop. How well the tire performs these functions depends in part on how well the tire is maintained.

What Kind Of “Look”Do I Want?

Think about whether you’re happy with standard tires or you want the added flair of custom wheels or plus sizing.

How Can I Find The Best Value?

Simple fact: In the long run, cheap tires won’t save you money. They don’t last as long as higher quality tires and may result in a rougher ride and inferior handling. Your goal in tire shopping should be to find the highest quality tire that meets your specific needs and your budget. A tire has several important functions: Steers The Vehicle A tire’s ability to maintain its course affects the vehicle’s ability to drive in a straight path. The tire has to help the vehicle steer regardless of road and weather conditions.

Support The Vehicle A car tire has to carry more than 50 times its own weight.

Absorbs Bumps The flexibility of a tire helps it absorb bumps on uneven road surfaces and provides a stable ride

Princeton Daily Clarion & Oakland City Journal

IMPORTANT POINTS P195/75R14 92H The “P” stands for“passenger” tire. Tires for light trucks may be marked with ‘LT” P195/75R14 92H This is the width of an inflated tire (mm) at its widest point.

P195/75R14 92H The aspect ratio is the relationship of the height to the width.

P195/75R14 92H “R” stands for “radial”, indicating the tire has radial construction.

P195/75R1492H The diameter of the wheel in inches.

P195/75R14 92H The load index corresponds with the load-carrying capacity of the tire. Most passenger car tire srange from 75105.

P195/75R14 92H “H” is the performance rating. A is the lowest and Z the highest.

Page 17

Richard’s Furniture & Mattress Huge Selection of American-Made Furniture & Mattresses

Furniture

108 N. Main St., Princeton, IN 47670

Have you been furniture shopping lately? The experience may leave your mind swirling with the many choices you can make: solid wood, upholstered, leather, style and function...all of these need to be considered when making your furniture choices. When it comes to decorating your home or apartment, furniture can be a major investment with long-standing impact. It pays to think about what you want, and what your budget will allow.

812-385-3855

How To Choose....

originally created for royalty and the wealthy. Informal styles originated in the rural countryside, and were designed by local cabinet makers.

These would include French Country, Provincial, and Early American. Each of these styles can be further refined to traditional or contemporary.

Traditional styles are most identifiable by the Cabriole legs, claw and ball feet, lyre shaped backs and carved details. Woods tend to be walnut, cherry or teak and fabrics usually include brocades, damask and GETTING STARTED silk. Oversized sofas and chairs with Start with a list of your needs, room deep fluffy cushions, and durable by room. Perhaps you already have easy to maintain fabrics exemplify some pieces to coordinate with, or casual. Contemporary styles include maybe you are starting from scratch. Scandinavian, Modern and Oriental, Or, are you replacing outdated or identifiable by their sleek overall worn furniture? Evaluate what your design elements. basic needs are: seating, a place to sleep, a large table for the family Style, defined by shape, color and together? Do you have stacks of texture, is reflected in accessories, books and nowhere to put them? floor and window coverings. Home Then look at your space and your furnishings should make a statement budget. about your attitude and lifestyle. No one style is perfect for every room or Take an honest look at what your everyone, so buy furniture that you needs are and make a list. It is much like, whatever your style. Recliners easier to prioritize from a written list are the “ugly duckling that became a than to wander aimlessly into a swan! ”Recliners are better than ever; furniture store and have no idea what don’t let a designer talk you out of you are looking for. them! True, there was a time when they were ugly, but not anymore!

After you’ve itemized your needs, browse through decorating Today, more than ever, upholstered magazines, catalogs and web sites. furniture is available in a wide range Home in on the style or styles you of styles and fabrics. like. Again, advance consideration of the styles that appeal to you will So, now you know what piece or greatly narrow your choices and aid pieces you want and have pinpointed you in finding the right pieces for some basic styles that feel “right” for your home. you. It is time to target a budget and begin to furniture shop. As you can FURNITURE STYLE AND imagine, prices vary widely, and are FABRIC CHOICES often tied to the quality of the piece.

Most furniture falls into one of two Finding quality furniture that works style categories, formal and informal for you involves understanding how or casual. Formal furniture includes pieces are made and then deciding if such styles as Louis XIV, the quality of the piece will bear up Chippendale and Queen Anne, in day-to-day use. Whatever your

Page 18

Princeton Daily Clarion & Oakland City Journal

Hours - Mon-Sat 10am-6pm Closed Sunday

style, furniture should be comfortable, practical and reflect your tastes.

FURNITURE SOURCES The most obvious place to look is in your local furniture stores. Some furniture stores in your area offer complimentary in-home design services to aid you in your decorating choices. When you are ready to start out on your furniture hunt, remember to assess your needs, set your priorities, narrow down the styles you are looking for, target a budget and then enjoy your search for the “perfect” pieces to complement your home. Remember, when acquiring furniture, buy only what you love!

WHAT YOU SHOULD KNOW • Get physical. Sit in it. Better furniture will be heavier and more substantial than a lower quality piece.

• Check the cushions. Welldefined curves, secure buttons and unobtrusive seams are the marks of a quality cushion.

• Look beneath the surface.

See how the piece is constructed, looking for loose screws or padding not sewn correctly.

• Consider the conditions.

Choose the piece based on where it will be placed and how it will be used.

July 2016

OUR NEW LOCATION IS NOW OPEN WE WILL MEET OR BEAT ANY COMPETITORS PRICES ON ANY NEW MATTRESSES LOWEST MATTRESS PRICES IN THE TRI-STATE AREA,

DON’T BELIEVE IT? COME AND SEE IT!

Wide selection of motion furniture and recliners!

NOBODY BEATS OUR MATTRESS PRICES We Sell only American Made mattresses.

All of our mattress warranties are non pro-rated.

NEW COLORS & STYLES AVAILABLE ON OUR NEW SOFA LINE.

IF YOU DIDN’T BUY AT RICHARDS YOU PROBABLY PAID TOO MUCH!

12 MONTHS SAME AS CASH

Richard’s Furniture & Mattress

NO CREDIT CHECKS

108 N. Main St., Princeton, IN 47670

FAMILY Owned & Operated

Huge Selection of American-Made Furniture & Mattresses

812-385-3855

July 2016

TERMS AVAILABLE

Hours - Mon-Sat 10am-6pm Closed Sunday

Princeton Daily Clarion & Oakland City Journal

Page 19

METRO CARPETS, INC. Are you building a new home?

Remodeling?

Discuss decorating ideas with one of the experienced floor covering consultants at Metro Carpets. The knowledgeable, friendly staff will assist you in selecting the floor covering that will perform best in your unique situation by explaining how to compare and choose the right product for your home or business.

After your selection, the professional installers will complete your vision with their expert installation.

Metro Carpets has over 35 years of experience in the Princeton area. They continuously add new updated products and stay informed about the trends in home decorating.

Value-oriented staff, with knowledge of the industry and reasonable prices, set Metro Carpets apart in the field.

In addition to residential and commercial carpet, the company carries sheet vinyl, luxury vinyl tile in both tile and wood styles, hardwood and laminate. Their large warehouse allows them to stock numerous products and their expanded showroom with hundreds of product samples gives you the selection you need to find the best floor covering for your home or business. Metro Carpets also carries a large selection of remnants in both carpet and vinyl.

Metro Carpets is located on Highway 41 South in Princeton.

With just a few minutes with our trained salespeople and our easy-to-understand display and labels, you’ll be the carpet shopper with all the answers

Residential • Commercial 1286 W. 150 S. Hwy 41 N Princeton, IN 47670

Phone: 812-385-2279

Carpet • Vinyl • Expert Installation

METRO CARPETS, INC.

Page 20

HOURS: Mon.-Thurs. 9-5; Fri. 9-7; Sat. 9-3 Family Owned • Established In 1978 Serving Gibson County

Princeton Daily Clarion & Oakland City Journal

July 2016

Carpet

Since 1978

1286 W. 150 S. Hwy 41 N • Princeton, IN 47670 • Phone: 812-385-2279

How To Choose....

A NEW COLOR AND STYLE CAN TRANSFORM YOUR HOME The decision has been made. You want to purchase new carpet and the time is now!

Your mind is already shifting into fast forward with such issues as: Light or dark colors? Soft and velvety or tight and firm? Smooth or textured? Wall to wall or bordered? There’s so much to consider.

room can be made to feel more comfortable by using colors such as blues, purples, greens and teals.

WHICH COLOR IS FOR YOU? If you’re redecorating, often an existing fabric or a cherished piece of furniture can be a starting point and can stimulate your creativity. Working around an existing piece is an excellent way to start when making your color choice.

HOW WOULD A DESIGNER Important: It is rarely desirable to match a DESIGN MY SPACE? color exactly. More visual interest is If a designer were to help you design created by blending colors. Carpet color your home, they’d begin with you. So is an emotional issue. But, with these you begin with you! Put yourself through color selection tips, you can enter a carpet an initial interview - ask what a designer retailer with more confidence! would ask.

CHOOSING THE RIGHT CARPET THE INTERVIEW “TYPE” FOR YOU Start with the size of your family and the To shop with confidence, you need to age of your children (if any). Are there know what kinds of carpet are available pets? Is there the possibility for and what each is designed to do. All grandchildren or elderly parents moving carpets begin with a “loop pile”. To make in? Are there family members living a “cut pile,” the tips of the loops are outside your home who should be sheared off, which produces the smooth consulted? Are you doing one room, finish of velvets and other styles. Cut pile several rooms, or an entire apartment or carpets are by far the most common type house? Now take a hard look at how your bought by consumers because they have family lives. In which rooms do you the most luxurious look and feel. Here are spend most of your time? Is your living some specifics of different carpet styles: style relaxed or formal? Do you like Multi level Loops - Consists of loops of everything in its place, or do you varying heights creating a wide range of consider a casual room more styles. Some look like carved patterns comfortable? Do you entertain? Are the while others offer a more random effect. groups small or large? How often do the Level Loop - The visibility of each loop children bring friends home? These are and the way light reflects from the surface practical matters you must consider. gives this carpet a charming appeal that blends well with any decor. Cut and Loop THE MAGIC OF COLOR or “Traceries” - Combines cut and loop You may have heard that dark colors piles to offer an infinite variety of effects. make a room look smaller. It’s true. So In solid colors, their subtle shading you should stay away from dark colors, creates a unique style of multi-toned right? Wrong! If your objective is to beauty. Velvets - Are the ultimate create a warm, cozy and sheltered look, a inelegance. All the pile fibers blend smaller “feel” is exactly what you want together in these extra-dense, cut pile and dark, rich colors, like hunter green or carpets to give you an ultra-smooth sweep burgundy, can work great. If a dark color of rich, luxurious color. Saxonies or is what you love, and it helps you capture “Plushes” - A cut pile, versatile beauty. the mood you want, go for it! Pastels and Not as formal as velvets, but easier to live color tints tend to enlarge a space. These with. Also called Saxony Plush. Textured colors create a restful and soothing mood. Saxonies - The most casual and rugged of They’re ideal when you want a formal, cut pile carpets. Tightly twisted yarns curl orderly and romantic tone. Strong back on themselves, creating a distinctive contrasts of color are lively, exciting and nubby look or pebbled texture. Friezes energetic and can be a bold statement for Classified as a cut pile Berber, probably your family’s style of living. Color can the most durable carpet made. Soft, also change the feel of a room. In rooms luxurious feel, seams together excellently, facing north and in cool climates, you developed to replace wool. can “warm up” the room with a warm color scheme featuring reds, yellows, OTHER CARPET BUYING oranges, peaches and apricots. In southCONSIDERATIONS facing rooms and in warm climates, a Avoid bargains. Cheap carpet is easy to

July 2016

Mon. - Thur.: 9-5 Fri.: 9-7 Sat.: 9-3

Princeton Daily Clarion & Oakland City Journal

spot; it’s thin, lightweight and flimsily made. Buy good quality padding; it absorbs up to 90 percent of the impact of foot traffic. A higher investment in carpet padding will extend the life of your carpet. It’s worth the extra, initial cost.

THINGS TO DO BEFORE YOUR NEW CARPET ARRIVES If painting, do this first and save some paint for touch up. Find out in advance who is moving the furniture. If it’s the retailer, it’s only fair that they charge a fee for the labor. Know who is removing the old carpet. Some retailers charge for this service, others don’t. Check the clearance at the bottom of doors and make sure the doors swing freely over the new carpet. If not, arrange to have the door bottoms trimmed.

WHERE SHOULD I GO TO PURCHASE FLOOR COVERING? Always buy from a reputable dealer. If in doubt, contact the Better Business Bureau. Independent dealers are a good bet. They usually have a wide selection of custom goods at their disposal, plus better-grade carpet pads and qualified installers. Many also have decorators who will come into your home to help coordinate the carpet with the rest of the decor. Independent dealers also have the product knowledge to help you match the right carpet to your particular needs.

THE TOP FIVE THINGS YOU SHOULD KNOW 1. Determine whether you are doing one room or several.

2. Know which colors are right for you.

3. Decide whether you want casual or formal carpeting and which type of carpet you prefer.

4. Avoid cheap carpet. It’s easy to spot.

5. Buy high-quality padding.

It will extend the life of your carpet.

Page 21

When you’ve experienced a loss, you suddenly find yourself facing uncertainty and what may seem like an overwhelming number of decisions. Designing a service should be a journey of remembrance, healing, and love...not a source of stress. Find out how we can guide you through the process, answer your questions, and help you make important decisions to ease your burden and give you peace of mind.

226 E. Washington, Oakland City

812-749-4024 Jerry L. Basham

Locally Owned & Operated Since 1891

www.lambbasham.com

Page 22

Princeton Daily Clarion & Oakland City Journal

July 2016

226 E. Washington, Oakland City

812-749-4024

How To Choose....

A Funeral Home

Jerry L. Basham Locally Owned & Operated Since 1891 www.lambbasham.com

Here Are Some Questions You Should Ask When Selecting A Funeral Home

Materials To Pick Up While At The Funeral Home

What Do Funeral Directors Do?

What Is A Funeral And Why Have One?

July 2006

Princeton Daily Clarion & Oakland City Journal

Points To Remember • Visit several funeral homes before deciding on one.

• Check the funeral home’s reputation by talking with friends or clergy first.

• Make sure the person handling your funeral arrangement in your time of need is licensed.

• Plan ahead if possible, but that doesn’t necessarily mean pay ahead.

Choosing A Cemetery • Make sure the cemetery is licensed.

• Check the cemetery’s reputation by talking to friends, local clergy and the Better Business Bureau.

• Inspect the cemetery yourself.

• Ask questions. How do they handle complaints?

Page 23

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AARP

BELTONE HAS SPECIAL DISCOUNTS FOR: BCBS, HUMANA, ANTHEM,

& INDIANA TEACHERS ASSOCIATION MEMBERS! MANY HEALTH INSURANCES ACCEPTED!

Toyota Insurance Accepted

,6

601 N. 15th 1/2 St. Vincennes, IN 47591 812-291-5308

PRINCETON

2803-A W. Broadway St. (Across from Walmart) 812-635-3070

1211 Tutor Lane Evansville, IN 47715 812-213-4939

471 US Highway 231 S. Jasper, IN 47546 812-817-0880

4800 University Ave. Suite A Evansville, IN 47712 812-213-4942

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Princeton DailyTCrilarion -State&MO edia akland Homes City Journal

July 2016

THE RIGHT HEARING AID CENTER

How To Choose....

Perhaps you’ve thought about getting a hearing aid, but you’re worried about how it will look or whether it will really help. It may help ease your concerns to know more about: • The hearing aid options available to you • What to look for when buying a hearing aid • How to get used to it Hearing aids can’t restore normal hearing. They can improve your hearing by amplifying soft sounds, helping you hear sounds that you’ve had trouble hearing.

WARNING SIGNS OF HEARING LOSS Social • You think other people sound muffled or are mumbling.

• You require frequent repetition.

• You have difficulty hearing in noisy situations, like restaurants and malls.

• You have trouble hearing children’s and women’s voices.

• You have the TV and radio turned up to high volume.

• You answer or respond inappropriately in conversations.

• You read lips or more intently watch people’s faces when they speak to you.

• You are often accused by others that you “only hear what want to hear” and have “selective listening”.

• You are told to “forget it” by family and friends who get frustrated when having to repeat themselves.

• You have been told that you speak too loudly.

Emotional • You feel stressed from straining to hear what others are saying.

• You feel embarrassed to meet new people or from misunderstanding what others are saying.

• You feel annoyed at other people because you can’t hear or understand them.

• You feel nervous about trying to hear and understand.

You start to withdraw from social situations that you once enjoyed because of difficulty hearing.

HOW DOES A HEARING AID WORK? When sound waves reach the hearing aid, they enter through a microphone.

July 2016

PRINCETON 2803-A W. Broadway St. (Across from Walmart) 812-635-3070

Before you buy When looking for a hearing aid, explore your options to understand what type of hearing aid will work best for you. Also: • Get a checkup. See your doctor to rule out correctable causes of hearing loss, such as earwax or an infection.

And have your hearing tested by a hearing specialist.

HEARING AID STYLES • Seek a referral to a reputable Hearing aids vary a great deal in hearing care practitioner. If you price, size, special features and the don’t know a good hearing care way they’re placed in your ear. practitioner, ask your doctor for a The following are common hearing referral. A hearing care practitioner aid styles, beginning with the will assess your hearing and help you smallest, least visible in the ear. choose the most appropriate hearing aid and adjust the device to meet In the Ear (ITE) hearing aid your needs. You may get best results ITE hearing aids fit directly into the with two hearing aids. external part of the ear and are custom • Think about future needs. Ask made to fit the contours of your ear. whether the hearing aid you’ve Appealing shell styles combine chosen is capable of increased power improved cosmetics with optimal so that it will still be useful if your power and sound quality. hearing loss gets worse.

• Check for a warranty. Make sure Behind-the-Ear (BTE) hearing aid the hearing aid includes a warranty BTE hearing aids are housed in a that covers parts and labor for a small curved case which fits behind specified period. Some offices may the ear. A thin transparent tube is include office visits or professional inserted directly into the ear canal. services in the warranty.

This reduces the “plugged up” • Beware of misleading claims. sensation associated with some Hearing aids can’t restore normal hearing aids. This type of hearing aid hearing or eliminate all background is also referred to as “open fit” since noise. Beware of advertisements or your ear canal is left open. dispensers who claim otherwise.

• Plan for the expense. The cost of Receiver-in-the-Ear (RIE) hearing hearing aids varies widely — from aid RIE hearing aids are housed in a $845 up to a few thousand dollars. small case that fits in the ear. It Professional fees, remote controls, naturally rests on the curve of the ear hearing aid accessories and other and is virtually invisible due to its hearing aid options may cost extra. discreet tube and receiver.

Talk to your hearing care practitioner about your needs and expectations.

Thanks to advances in digital Some private insurance policies technology, hearing aids have cover part or all of the cost of drastically improved over the years. hearing aids —check your policy to They are smaller and less noticeable, be sure. Medicare doesn’t cover the and they have better sound quality cost of hearing aids. In many states, than ever before. The top hearing aids private insurers are required to pay feature directional or high definition for hearing aids for children. Medical hearing. Those models use two assistance covers hearing aids in microphones. They also have the most states. If you’re a veteran, you ability to enhance the sounds coming may be able to get your hearing aid from in front of you while turning at no cost through the Veterans down background noise. This helps Administration (VA). patients better listen to those speaking directly to them without getting distracted by other sounds.

This microphone converts the acoustic signals into electrical ones. An amplifier in the hearing aid increases the strength of the electrical signal.

The signal is transformed back into an acoustical signal by the receiver. From the receiver, the signal goes into the ear canal through a small tube or ear mold.

Princeton Daily Clarion & Oakland City Journal

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Princeton Daily clarion & oaklanD city Journal

July 2016

Choose Medical Equipment

How To Choose....

A variety of situations can cause you to need home medical equipment, ranging from oxygen tanks to wheelchairs to a mobile bed. Perhaps you are caring for an aging parent, or a loved one has suffered a disease or been involved in a traffic accident.

HERE ARE SOME TIPS ON HOW BEST TO PROCEED: How to Get Home Medical Equipment Your personal doctor can best decide whether you need home medical equipment. Often physicians work with home medical equipment suppliers to find the most suitable equipment for you.

Your doctor knows your overall health condition, your specific medical needs, perhaps your living situation, and how long you will need the particular equipment. Your doctor is responsible for providing a complete prescription to the supplier for your equipment.

Your doctor is NOT permitted to bill you or the supplier for completing the prescription.

If your doctor refuses to complete the medical prescription because he or she doesn’t believe you or your loved one need the equipment, discuss it with him or her.

Remember that your doctor knows your health needs better than anyone else.

If you are about to be discharged from a hospital, a discharge planner will follow your physician’s instructions about your particular equipment needs and refer you to one or more suppliers who can meet your medical equipment needs. The discharge planner will usually contact the supplier you choose for yourself. The supplier then will contact your personal physician or

July 2016

the doctor who took care of you in the hospital to make sure it has all the medical information it needs to serve you.

101 W. Brumfield Avenue | Princeton, IN 47670 Phone: 812-386-5194 | Toll Free: 1-800-834-7240 WilliamsBrosPharmacy.com Hours: Mon. - Fri.: 8:00 a.m.- 8:00 p.m.

Sat.: 9:00 a.m.- 5:00 p.m. | Sun.: Closed Also located in: Bloomington, Olney, Loogootee, Paoli and Washington.

number.

• Provides you with equipment that is clean and in good working condition when delivered. If the equipment is supposed to be new, it The supplier will contact you or your should not show wear or prior use. family to make arrangements to • Lets you return equipment that is deliver, setup, and train you on prop- substandard or unsuitable for use. er use and maintenance of the • Does not offer to waive Medicare equipment. copayments or deductibles, without first determining financial hardship.

HOW TO RECOGNIZE A (In certain circumstances, suppliers GOOD SUPPLIER OF HOME may waive copayments. See MEDICAL EQUIPMENT Medicare Handbook for more A supplier often will discuss your information.) medical equipment needs with your • Tells you about supplier standards doctor. The supplier is genuinely to which it must conform. interested in providing you with • Is a member of local or national equipment of high quality that best trade associations or organizations. meets your medical needs.

YOU CAN BUY OR RENT A REPUTABLE AND RELIABLE MEDICAL EQUIPMENT SUPPLIER WILL HAVE MOST OR • You can rent equipment for 15 ALL OF THESE CHARACmonths. You can rent many items, TERISTICS. THE SUPPLIER: such as wheelchairs, and hospital • Has roots and a reputable business beds. standing in the community. The busi- • Medicare pays rental for no more ness should not have numerous than 15 months. (The supplier wilI complaints filed with Better Business still rent the equipment to you for as Bureaus and State Consumer long as your doctor says you need Protection agencies. it.)

• Delivers the equipment, sets it up, • Suppliers who have received 10 and makes sure you understand how months of rental payments from it works. If the equipment is Medicare must offer you the option potentially hazardous, the supplier to buy the equipment. If you decide should explain the hazards to you and to purchase the item, the supplier family members who are likely to be must transfer title for the item to assisting you with it. you following the 13th rental • Is responsible to your inquiries or month. The decision to buy the complaints about the equipment or its equipment changes the rental use. The supplier makes sure the payments to installment payments. equipment is performing up to • Remember, if you decide to requirements and that you are not continue renting the equipment, having problems with it.

Medicare will stop paying for the • Honors all warranties expressed or equipment following the 15th implied understate law. month, except for service and • Refers you to the appropriate maintenance.

Medicare carrier if you have questions about Medicare.

• Provides or arranges for service and maintenance to the equipment and has a 24-hour emergency service

Princeton Daily Clarion & Oakland City Journal

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Princeton Daily clarion & oaklanD city Journal

July 2016

A Physician Many of these questions have no right or wrong answers. It just depends on what fits the patient’s needs.

But finding the right physician is not always easy. Since people require different things from their physicians, it’s difficult to provide blanket guidelines to find a good doctor. But there are some basic tips everyone can find useful.

Be Honest Patients should be upfront about what they are looking for in a physician and ask questions to find out if the doctor they are seeing will fit their needs.

How To Choose....

Everyone Eventually Gets Sick Sooner or later everyone gets sick, so sooner or later everyone needs a doctor.

Sometimes it may take several visits to different doctors to find one that a Basic Tips A good first step is to ask friends and patient can relate to and feels family members who have had good comfortable with. experiences with a physician.

If a doctor is in attentive, doesn’t get Second, contact clinics and hospitals along with the patient or the patient is uncomfortable talking with the in your area. physician, they may want to seek another doctor.

A good doctor is a combination of someone with good medical skills Staff Is Important, Too and good interpersonal skills the A doctor’s staff can be a reflection patient can relate to. upon the physician.

The best way to find out if a doctor has these qualities is to ask questions. For example, a good doctor should have a staff member explain why a patient has to wait a long time.

Where did the doctor go to school?

Where did they do their residency?

Patients in turn need to be patient, Where did they intern? because emergencies can happen.

Is the doctor board-certified in his or The next time the emergency could involve the patient that once had to her area of specialization? wait. Finally, payment for medical Patients should ask about after-hours services must be considered. coverage. Who handles it and how is Patients need to make sure doctors it done? they are looking at take their insurance. If patients don’t have Another important question is how insurance, they need to make sure often the doctor wants to see the they can reach a payment patient. Do they want to see the arrangement with the doctor. patient on a regular basis or just when they are sick?

Finding a good doctor is not an easy task. The right relationship between a Preventive health services can be important to some patients. Does the doctor and a patient is different for every person. The task is further doctor provide screening exams, complicated by the fact many people immunizations and other such don’t regularly see a doctor. services?

What about office hours? Is the doctor’s office open in the evenings or on weekends?

How does the doctor’s office handle scheduling? What other services does the clinic offer? At what hospital is the physician on staff?

July 2016

Patients should also know any medications to which they are allergic, and the nature of the allergic reaction. They should also be prepared to give the doctor a good personal medical history.

The history should include any past or present chronic conditions, any family history of diseases such as diabetes, cancer or heart disease and a list of surgeries the patient has had.

Patients may also want to write down any questions they want to ask the physician.

Despite the difficulties, finding the right doctor can increase the length and quality of a patient’s life.

Patients need to do their part to help doctors in the relationship.

The Initial Visit When seeing a new physician, a patient should bring any medication they are taking and should be able to put in writing why they are taking the drugs.

Princeton Daily Clarion & Oakland City Journal

Important Points • Get references from family and friends.

• Ask questions.

• Be upfront about what you are looking for.

• A doctor’s staff can be a reflection on the physician.

• Payment for medical services must be considered.

Questions To Think About • What doctors are covered by your insurance?

• What are the doctor’s qualifications?

• Do you and the doctor communicate well?

• Can this doctor provide what you require from your primary care physician?

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WABASH VALLEY

VACUUM Owned and Operated by Larry & Beverly Latshaw. Same Location for 30 years!

Electrolux Upright Vacuums, completely rebuilt - $225-$300, with new $50 attachment kit free while supplies last.

Also approximately 75 other machines available Electrolux Tank, Kirbys, Filter Queen, Rainbow • New & Reconditioned Vacuum Cleaners • Supplies & Parts for all makes & models!

• Electrolux Shampooers

Monday-Friday 9am-5pm 121 North 2nd, Vincennes

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812-882-4182 or 812-882-0251 Princeton Daily Clarion & Oakland City Journal

July 2016

WABASH VALLEY

Vacuum Cleaner

How To Choose....

FLOORING IS A COSTLY INVESTMENT, CARE AND MAINTENANCE ARE IMPORTANT. When trying to decide which vacuum cleaner to purchase, many things must be taken into consideration.

Flooring is a very costly investment these days and is key to the appearance of your home. It must be cared for properly in order to live a long and attractive life. The type of vacuum cleaner is very important to the care and maintenance of your flooring.

The type of flooring in your home should be an important factor in selecting your vacuum. You will want to be sure that your unit works well on carpet, tile, hardwood or linoleum. The type of flooring also makes a difference as to whether you will need one or two speeds.

Adjustment options must also be considered. Your vacuum must be able to get into all areas in order to clean properly.

The handle of your unit is very important as well. Is it user-friendly? The stress and strain on wrists, forearms and elbows from vacuuming can be quite annoying.

Additionally, your lifestyle should help determine the type of vacuum that you purchase.

Pets in the house may result in a need for a brush roller.

Also, if there are allergies in your family, you will need a unit which offers

July 2016

VACUUM hypoallergenic bags.

Vacuuming should not be an exhausting chore, so you should also consider the weight. Many lightweight models are available.

Service is an important issue as well. You need to know that you have a reliable, full service department backing your vacuum. Youâ&#x20AC;&#x2122;ll want to make sure that they are accessible and that they carry all parts in stock.

Packaging your vacuum up and shipping it across the country for service is inconvenient and expensive.

Another item you may want to take into consideration is the length of cord that you will need. If you clean a large area, a longer cord will be necessary. Does the brand that you are researching offer a choice of cord lengths?

Price must also be considered. In this world we must remember that you get what pay for and itâ&#x20AC;&#x2122; s worth it to pay a little more for a vacuum that will last for years and be dependable. Check to be sure that there is a finance plan and that the interest rate is a good one.

Additionally, you will want to know if the vacuum center you are shopping at offers an extension to the traditional vacuum. Do they have steam or dry cleaners available? Will your unit clean along the walls and in corners?

Is the motor strong enough to pull the dirt from the

Monday-Friday 9am-5pm 121 North 2nd, Vincennes

812-882-4182 or 812-882-0251

carpet? Check the measurement of suction velocity. Is the vacuum you are researching recommended by a reliable source? Check to see which model the hotels use.

Finally, and one of the most important considerations, be sure that the company has a good warranty in place. If a company will not stand behind their product, heed that red flag and look somewhere else.

Princeton Daily Clarion & Oakland City Journal

THE TOP FIVE THINGS YOU SHOULD KNOW 1. Consider the type of flooring in your home.

2. Check out the service plan of the vacuum.

3. Take into consideration lifestyle factors, such as the presence of pets.

4. Make sure the vacuum is easy to handle and has a cord that is long enough.

5. Ensure that the company has a good warranty policy.

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Princeton Daily clarion & oaklanD city Journal

July 2016

How To Choose....

A Hospital Just as you do not make an emergency plan for a fire when the fire occurs, you should not make your choice of health care facility when you are in crisis. The most important criteria when choosing a hospital will come from advance research. Researching your area hospitals will create an informed consumer who can make decisions based on the facility’s best overall care and specialized services to fit their needs.

There are several avenues one can take to find a hospital that meets their particular needs. The first avenue would be to look at hospital websites to research each hospital’s services and accreditation. Accreditation is linked directly to quality of patient care, quality of facility, and quality of staff and physicians. The primary health care accreditation service is The Joint Commission (TJC), a notfor-profit, independent organization founded in 1951 that reviews safety and quality of the nation’s health care facilities through a voluntary but rigorous accreditation process. This process is ongoing to ensure that the hospital is staying in compliance with ever changing regulations. There are more than 20,000 health care organizations accredited by the Joint Commission each year and information about the Joint Commission or the accredited hospitals can be found on their website at www.jointcommission.org.

In addition to hospital accreditation, you can also look at various service line accreditations that facilities may hold to show quality services.

Hospitals can seek voluntary accreditation in services such as

July 2016

radiology, sleep diagnostics, diabetes see if they can deliver what they care, heart care, trauma care and promise. Look around and make note many others. of how the staff interacts with each other and their patients. Do they You can also compare hospital exude the compassion, quality on the Internet using professionalism and care that you Medicare’s Hospital Compare web would hope to receive? If you do tool at http://www.medicare.gov/ your homework now, you and your hospitalcompare family will make decisions that maximize your experience in a What Are Your Personal Needs? hospital when the need arises.

Once you know which hospital’s offer the high quality services that you’ll need, you need to consider your personal needs. Do you want a hospital near family and friends?

5 Things You Does the hospital have convenient Should Know: visiting hours and other rules that are • Is the hospital important to you. Does the hospital accredited by The offer convenient follow-up care if Joint Commission necessary following a hospital stay? and/or other You also need to check with your accrediting health plan to ensure that they cover organizations? services provided by the hospitals • What are their patient that you are researching. satisfaction indicators or scores?

You should also discuss your hospital • Does the hospital options with family, friends and your meet my personal doctor, and gather input from them. needs?

• What is the Visit The Hospital experience, training Before You Need It and certification of Visiting a hospital is an important the physicians and step in making an informed decision staff? about future treatment for you or • What are the core your family. At the initial visit with a values that guide the physician or customer service hospital and its representative, always ask specific employees? questions. This will help in the flow of information and also may trigger any other concerns you may have about a facility.

Look at the core values and philosophies of the hospital, read their mission statement and check to

Princeton Daily Clarion & Oakland City Journal

Page 33

A great place to live Solarbron, a continuing care retirement community, truly is a special place to live.

Nestled in a quiet, peaceful, residential neighborhood on the west side of Evansville, Indiana.

Our 64-acre campus invites residents and guests to stroll the grounds and enjoy expansive ODZQV UROOLQJ KLOOV QDWXUDO ZRRGODQGV VWRFNHG Ä&#x2020;VKLQJ ODNHV DQG ZLOGOLIH $W 6RODUEURQ ZH VWULYH to provide you with the highest quality of care delivered by a hospitality-focused staff.

Our professionals specialize in the care of older adults, are attentive to individual needs and provide person-centered care. Private apartments with large bathrooms and walk-in showers are just some of the gracious amenities we offer.

1501 McDowell Rd. . Evansville, IN 47712

(812) 985-9955 l l a C for your complimentary lunch & tour

Located just south of West Lloyd Expressway on McDowell Rd. (1/2 mile west of University Parkway)

www.solarbron.org

FA M I LY- F I R S T S E N I O R L I V I N G F R O M C A R D O N INDEPENDENT LIVING ͼ ASSISTED LIVING ͼ REHABILITATION ͼ LONG TERM CARE ͼ MEMORY SUPPORT

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Princeton Daily Clarion & Oakland City Journal

July 2016

Retirement Community

How To Choose....

BE INFORMED ABOUT ALL ASPECTS

TOUR PROPERTY, ACCOMMODATIONS

The first step is to find out what retirement communities are located in the area where you are or your relative(s)prefer to live. The weather is an important factor and the proximity to hospitals, doctors, pharmacies, retail malls/stores is important.

A tour of the retirement community is imperative to assess the types and sizes of cottages, apartments and rooms associated with each level of care.

Safety features, emergency response equipment and handicap accessibility are important features of the tour. The tour allows a potential resident to It is a good idea to drive by the various evaluate the size or space needed for retirement communities to get your first their furnishings, the closets and storage impression of the appearance, space. architecture and location. It is also good to check the web site of each area The cleanliness and maintenance or retirement community. The web site upkeep of the property may also be will provide key information about the assessed on the tour. Staff-resident services that are offered and the interaction, social activities and accommodations. residentsâ&#x20AC;&#x2122; appearance may also be observed.

Other pertinent information may be obtained from the Department of BECOME INFORMED ABOUT Human Resources Licensing and SERVICES, ETC. Survey reports. The information may be obtained via the Internet, at the local During the initial and follow-up Department of Human Resources or any interviews and tour, it is vital to be retirement community that has a informed about the amenities, services licensed nursing wing or assisted living and levels of care that are provided and unit. The Dunn and Brad street included in the admission contract. It is Financial Rating, the State Nursing imperative that a potential resident be Home Association, The Better Business advised about whether the retirement Bureau and Long-term-Care community is a buy-in or lease Ombudsman are four additional arrangement,the price, refund policy, pet agencies where retirement community policy, etc. All amenities such as meals, stability and historical information may housekeeping and laundry/linen service, be obtained. telephone, cable television, transportation and social activities INTERVIEW WITH KEY STAFF should be explained.

Call for an appointment and meet the staff; each retirement community is run by an executive director and managers of multiple departments. These include nursing, marketing, dietary,housekeeping, laundry,social services, recreational activities, maintenance of the physical plant and the grounds, security, business and transportation.

Make an appointment with the director of marketing or the admissions coordinator.

The marketing director will show you around the property and introduce you to the staff and management who will answer any questions you may have. It is important to assess the length of employment of the executive director and key managers,their educational credentials,experience and licenses.

July 2016

A full service, multilevel continuum of care retirement community offers levels of care that range from independent living in villas and apartments, to assisted living or personal care to skilled nursing care.

The social or recreational activity program should be assessed when making the decision about your future lifestyle. An activities or social calendar should be available for you to study. A varied program of activities offering mental or sensory stimulating activities, physical activities and cultural entertainment should be included so that a resident has multiple daily options and may be as active as they choose to be.

Examples of popular activities include bridge and other card games, movies,bingo, aerobic exercise classes, exercise equipment for individual or

Princeton Daily Clarion & Oakland City Journal

1501 McDowell Rd., Evansville, IN

812-985-9955 www.solarbron.org

group use,birthday parties, special theme parties and seasonal or holiday celebrations.

Also, outings with provided transportation that include tours of the area,lunches at local restaurants and trips to cultural events should be included in the social calendar. Arts and crafts classes should be available for those who enjoy creative pursuits.

A transportation program should be provided to assure transportation to doctorâ&#x20AC;&#x2122;s appointments and other essential pickups,deliveries or personal transportation to shop, obtain medications and other essentials since many senior citizens choose to stop driving.

Visit the site and be sure the homesites match your lifestyle.

THE TOP FIVE THINGS YOU SHOULD KNOW 1. Find out what retirement communities are located in the area where you or your relative(s) prefer to live.

2. Interview key staff, including marketing, dietary, housekeeping, security and transportation managers and directors, to name a few.

3. Tour the property to assess the living conditions, safety features and handicap accessibility.

4. Become informed about services, amenities and continuum of care.

5. Communicate with the residents, their families and friends. Plan an overnight stay at the facility.

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1704 Hart Street,Vincennes

812-882-1191 rcsappliances.com

Appliances

How To Choose....

Often the basic appliance unit is the same for several brands, but the price increases as the added features increase. This is true on major appliances… to save money, don’t buy more features than you really need.

Before you make a purchase, ask yourself if you really need the appliance. Some features on appliances save time and energy, and some add convenience but use more energy. Some are bought because of the novelty they provide. These extra features are seldom used once the novelty wears off, so you might not want to pay extra for these features. Sometimes an appliance doesn’t really save time or energy because the set up and clean up are time consuming.

the initial higher price. For example: some new models of refrigerators and freezers are 50 percent more energy efficient than models 10 years old. Check the yellow and black Energy Guide Levels on major appliances for energy information.

CHECK THE COST OF CREDIT If you can anticipate buying an appliance, try to save a little each month so you can pay cash and avoid the cost of installment buying. You may even get a lower price if you can pay cash.

Anticipating your purchase will also give you time to get the information you need to buy wisely. If you know you’ll be buying a major appliance, start reading advertisements, consumer magazines and buying guides available at your local BEFORE BUYING, library. Ask friends and relatives CONSIDER WHERE THE about the models they have and APPLIANCE WILL BE which features they use or don’t STORED AND USED use.

Often storage creates a For large appliances, in problem that outweighs benefits. Be sure where you’ll particular, service may be important. If you are gone use it is wired adequately and that there’s an outlet available. during the day, arrangements will need to be made to allow a Don’t use extension cords unless it’s absolutely necessary. service person access to your home.

Cords reduce efficiency and may be dangerous .

WARRANTY OR Once you’ve decided you GUARANTEE really need the appliance and Take time to read the written that you have room for it… guarantee… don’t just take the consider the original price tag plus any installation, operating word of the salesperson. When you buy, remember to fill out and maintenance costs. High and mail the warranty cards. operating costs may make Look for safety seals and energy-efficient models worth

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Princeton Daily Clarion & Oakland City Journal

seals of approval. The UL seal (Underwriters’ Laboratory) is probably the best known safety seal. Another seal, a blue star emblem, may be found on gas appliances. It means that the design and construction meet safety and performance standards of the American Gas Association Laboratories.

Some magazines and other groups have seals of approval, too, but they vary in their worth to the consumer. Don’t assume that a seal assures quality.

For the most part, appliances on the market do what they are designed to do. Your choice of brand and price will depend on personal preference and individual need rather than actual differences in function and quality.

For more information on choosing appliances for your home, contact your local county extension office.

POINTS TO REMEMBER

• Determine what features you want

• Determine storage and wiring considerations • Investigate operating costs

• Read the written guarantee

July 2016

6

WE SERVIC E WHAT WE SELL!

RCS

SUPERSTORE

1704 HART STREET, VINCENNES 812-882-1191 • rcsappliances.com

Hours: Mon - Thurs 9am-5pm • Fri 9am-6pm, Sat 9am-5pm

July 2016

Princeton Daily Clarion & Oakland City Journal

Page 37

Count on our 39 years of experience for all of your complete auto repair needs.

•Towing & Recovery •Fully Insured •Quick Response Time

CALL

FOR

ESTIMATES

(812)385-5605 • (812)385-8588 1014 E. State St., Princeton, IN 47670 Page 38

Princeton Daily Clarion & Oakland City Journal

Visa & Mastercard accepted.

July 2016

Auto Repair Shop

TOWING & RECOVERY

Today’s vehicles may not quite be the space shuttle, but they are far removed from the days when that little clicking sound can be diagnosed and fixed by any shade-tree mechanic.

That means one of the best ideas for vehicle maintenance and repair is to find a qualified shop to first prevent problems,and should one occur to be able to find it efficiently and then fix it.

How To Choose....

specified amount of time and money.

Your state may require this.

Some shops charge a flat rate for labor on auto repairs. This published rate is based on an independent or manufacturer’s estimate of the time required to complete repairs. Other shops charge on the basis of the actual time the technician worked on the repair. Before having any work performed, ask which cost method the shop uses.

HERE ARE SOME GOOD IDEAS OF Even though you bring in your car with WHAT TO DO: a specific problem, additional repairs may be recommended. If you are uncertain What should you look for when whether the work needs to be done, you choosing a repair shop? may want to consult your owner’s manual • Look for an auto repair shop before or get a second opinion. you need one. Avoid being rushed into On expensive or complicated repairs, or last-minute decisions. if you have questions about suggested • State or local law may require the repair work, get a second opinion or repair shop to be licensed or registered, estimate. and you should ask to see current Ask if there will be a diagnostic charge licenses. Also, ask your state attorney if you decide to have the work performed general’s office or local consumer elsewhere. Many repair shops charge for protection agency about the repair shop’s diagnostic time. complaint record.

Shops that do only diagnostic work and • Be sure the repair shop is capable of do not sell parts or repairs may be able to performing the repairs needed. give you an objective opinion about • Find a repair shop that honors your which repairs are necessary. vehicle’s warranty.

After repairs are finished, get a • Shop around among comparable completed repair order describing the shops for the best deal. work done. This should list each repair, all parts supplied, the cost of each part, FINDING THE RIGHT labor charges and the vehicle’s odometer TECHNICIAN reading when the vehicle entered the shop Look for shops that display various and when the repair order was prepared. certifications like an Automotive Service Excellence seal. Certifications indicate PREVENTIVE MAINTENANCE that some or all of the technicians have Since many parts of your vehicle are met basic standards of knowledge and interrelated, ignoring maintenance can competence in specific technical areas. lead to failure of other parts or an entire Make sure the certifications were system. Neglecting even simple recently obtained. Remember, however, preventive maintenance, such as changing that certification alone is not an absolute the oil or checking the coolant,can lead to guarantee of good or honest work. poor fuel economy,unreliability, or costly breakdowns, and could invalidate your REPAIR CHARGES - UNLOCKING warranty.

THE MYSTERY What maintenance guidelines should What should be included in an you follow? estimate?

The best way to keep a vehicle in good Always get and keep a signed written condition is to follow the manufacturer’s cost estimate for the work to be maintenance schedule in your owner’s performed. Make sure the estimate manual for your type of driving. If you do specifically identifies the condition to be not have an owner’s manual, contact the repaired, the parts needed and the manufacturer to obtain one or to get a anticipated labor charge. recommended maintenance schedule.

Make sure the estimate states that the Some repair shops create their own shop will contact you for approval before maintenance schedules, which call for performing any work exceeding a more frequent servicing than the

6

July 2016

Princeton Daily Clarion & Oakland City Journal

(812)385-5605 (812)385-8588 1014 E. State St., Princeton, IN 47670 manufacturer’s recommendations.

Compare shop maintenance schedules with those recommended in your owner’s manual. Ask the repair shop to explain and make sure you understand why it recommends service beyond the recommended schedule.

PROTECTING YOUR INVESTMENT What warranties and service contracts apply to vehicle repairs?

There is no such thing as a”standard warranty” on repairs. Make sure you understand what is covered under your warranty and get it in writing.

Check with the Federal Trade Commission or your state or local consumer protection agency for information about your warranty rights.

Warranties may be subject to limitations, including time,mileage, deductibles, businesses authorized to perform warranty work or special procedures required to obtain reimbursement. Make sure you understand these limitations.

Compare warranty policies when selecting a repair shop.

Many vehicle dealers and others sell optional contracts,called service contracts,issued by vehicle manufacturers or independent companies. Not all service contracts are the same; prices vary and are usually negotiable. To help decide whether to purchase a service contract, consider the following: - The cost of the service contract.

- The repairs to be covered.

- Coverage of the service contract and whether it overlaps that provided by any other warranty.

- The deductible.

- Where the repairs are to be performed.

- Procedures required to file a claim, such as getting prior authorization for specific repairs or meeting required vehicle maintenance schedules.

- Whether repair costs are paid directly by the company to the repair shop or whether you will have to pay first and get reimbursed.

- The reputation of the service contract company, which can be checked with your state Attorney General’s office or the local consumer protection agency.

Page 39

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100 N. Gibson St., P.O. Box 30, Princeton, IN

812.385.2525

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Princeton Daily Clarion & Oakland City Journal

July 2016

A Newspaper

How To Choose....

Why Newspapers?

6

Targeting customers in a mediafragmented marketplace is a continual challenge for many advertisers.

The abundance of advertising sources has overwhelmed and divided consumer attention. This means media planners and buyers need the right tools to help them decide on the best allocation of advertising dollars. As advertisers strive for an effective media mix,they should know there is one medium that can deliver strength to advertising and marketing strategies.

The newspaper continues to be a powerful medium for reaching shoppers in the market for abroad range of products and services. It is a portable and convenient source of advertising information— helping consumers decide where to shop and what to buy. The newspaper delivers customers unlike any other medium each and everyday,reaching an array of traditional and emerging markets with unsurpassed advertising impact.

Universal coverage,utility and power are the driving forces behind newspapers. And that is why they add value for advertisers!

Newspapers offer advertisers alternatives to reach customers — new and potential — with effective messages for long-term awareness or immediate call-to-action responses.

Whether it’s a preprint insert or runof-paper (ROP) advertising adjacent to select editorial content, newspapers deliver the right message to the right people at the right time. If we combine frequency measures for ROP and newspaper preprints,we have 90 percent of adults who use one or the other or in combination — a powerful pairing.

Opportunities in Newspapers

ROP: Run of Press advertising means an ad placed on the pages of a newspaper. This best-known newspaper advertising option offers short deadlines and proximity of editorial that enhances visibility.

Preprints: Preprinted inserts offer advertisers the flexibility and control of creating and printing advertising that the newspaper distributes.

Commercial Printing: Newspapers offer customers who need major printing the opportunity and cost efficiency of using their presses to print catalogs, inserts and other commercial print needs.

July 2016

Niche products/special sections: Newspapers offer a myriad of opportunities where a special marketplace is created to help in targeting an advertiser’s best prospects. These products may be inserted into the newspaper or may be distributed in other ways needed to best attract the niche audience.

Highlights The compelling facts below underscore the strength of newspapers: — The majority of adults (54 percent) read a newspaper on an average weekday.

— More than seven out of 10 adults (73 percent) read a daily newspaper in the past five days.

— More than three--quarters of adults (77 percent)read a Sunday newspaper in the past month.

— Newspaper usage is strong among emerging markets — teens and Hispanics..

— Customers for many products and services are also the heaviest newspaper readers.

— The newspaper provides advertisers with unique targeting opportunities.

— The newspaper is the most--used advertising source for various store categories.

— Newspaper Web sites are highly rated for being useful and informative.

SOURCE: National Newspaper Association

Local News

No one covers local news like the Princeton Daily Clarion. If it happens in Gibson County, you can be sure it’ll be in your community newspaper. ...And that’s not all, we also can be found via the web at www.pdclarion.com or on facebook.

It’s your community Read all about it.

CLARION PRINCETON DAILY

100 N. Gibson St. P.O. Box 30 Princeton, IN

812-385-2525

Top 10 Reasons to Advertise in Newspaper 1. Newspapers reach the majority of adults daily* 2. Higher-income-earning adults are more avid newspaper readers.

3. People with higher education are more likely to read, newspapers.

4. People in higherresponsibility professional positions read newspapers more frequently than the average person.

5. Newspaper advertising can be targeted by section— and reader.

6. Newspaper advertising can target specific geographic locations.

7. You can select advertising alternatives from preprint inserts to full-or partial-page ads.

8. With short deadlines, newspaper advertising can be tailored for immediacy.

9. Newspapers are portable and convenient.

10. Newspaper advertising builds business credibility and momentum

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Princeton Daily Clarion & Oakland City Journal

Page 41

Non Profit Charity Organizations

How To Choose....

Adult Literacy Group of Gibson County, Inc. Princeton Instructional Center of Ivy Tech 2431 S. Crabtree Drive PO Box 1134, Princeton, IN 47670 812-215-6138 www.gibsoncountyadultliteracy.org E-mail: alpg@outlook.com American Foundation for Suicide Prevention Indiana Chapter (State-wide) 812-779-6986 Local E-mail: ddrainbolt@live.com E-mail: Indiana@afsp.org www.afsp.org/Indiana www.OutoftheDarkness.org Facebook: Out of the Darkness Walk & Suicide Prevention of Gibson County Facebook: American Foundation for Suicide Prevention - Indiana Chapter American Legion Johnson-Curd Post #256 211 E. Washington St. Oakland City, IN 47660 812-749-8178 E-mail: johnsoncurd256@gmail.com Celebrate Recovery Every Friday Night at Enon General Baptist Church 3467 S US Hwy 41 Princeton, IN 47670 812-385-2122 Downtown Princeton, Inc. Phone: 812-385-1922 Fax: 812-386-6054 127 N. Hart St., Princeton, IN 47670 E-mail: director@downtownprincetonin.com www.downtownprincetonin.com Facebook: Downtown Princeton Indiana Francisco General Baptist 102 N. Main St. Francisco, IN 47649 812-782-3634 www.fraciscogbc.com

Page 42

Gentle Shepherd Church of God 8350 E. 350 N. Francisco, IN 47649 618-262-3906 Facebook: Gentle Shepherd Church of God Gibson County Community Foundation 127 N. Hart St. Princeton, IN 47670 812-386-8082 www.gibsoncountyfoundation.org Facebook: Gibson County Community Foundation Gibson County Chamber of Commerce 202 E. Broadway St. Princeton, IN 47670 812-385-2134 E-mail: office@gibsoncountychamber.org Gibson County Council on Aging 212 S. Richland Creek Dr. Princeton, IN 47670 812-385-2897 Habitat for Humanity of Gibson County 1302 W Brumfield Avenue Princeton, IN 47670 812-385-2434 www.gibsoncountyhabitat.com E-mail: greg@gibsoncountyhabitat.net Knights of Columbus #2215 PO Box #34 117 S. Main St. Haubstadt, IN 47639 812-779-7977 E-mail: haubstadtkofc2215@gmail.com Oakland City Lions Club PO Box 113 Oakland City, IN 47660 812-677-0728 Facebook: Oakland City Lions Club Princeton Elks Lodge #634 302 N. Hart St. Princeton, IN 47670 812-385-2518 Facebook: Princeton Elks Loge 634

Princeton Daily Clarion & Oakland City Journal

Princeton Lady Elks #634 302 N. Hart St. Princeton, IN 47670 812-385-2518 Facebook: Princeton Elks Loge 634 Princeton Kiwanis Every Wednesday at noon at Gibson General Hospital Health & Education Room 812-664-3503 Purdue Extension – Gibson County / Gibson County 4-H 203 S. Prince St., Suite B, Princeton, IN 47670 812-385-3491 www.extension.purdue.edu/Gibson Salvation Army 202 S. Gibson St. Princeton, IN 47670 812-386-6577 www.corps.salvationarmyindiana.org/ princeton St. Stephen’s Community Church PO Box #335 12152 S 200 E Haubstadt, Indiana 47639 812-768-6479 Facebook: St. Stephen’s Community Church Suicide Awareness and Prevention of Gibson County 1556 E. Broadway St. Princeton, IN 47670 812-677-1509 Facebook: The A Team News The Education Center Mailing address: 2944 E. Carithers Rd. Princeton, IN 47670 Physical address: 1104 S. Stout St., Princeton, IN 47670 812-664-2693 E-mail: educationcenterinc@yahoo.com www.educationcenterinc.wordpress.com Facebook: The Education Center Inc.

July 2016

Now Two Locations!

Air Conditioning

How To Choose....

How Do I Choose An Air–conditioning System?

Selecting a central air conditioner is an important decision, since the air conditioning system is a home’s largest energy user. The right AC system makes a home comfortable and efficient. The wrong one can cause discomfort, humidity and maintenance problems that increase utility bills.

Purchasing an AC unit is one of the largest investments homeowners can make, both at purchase and in operating costs. As with any major purchase, the more information you have, the better decisions you can make.

sufficient to remove the unwanted heat. An incomplete cooling load analysis can cause you to make a poor AC choice. Many contractors simply estimate the cooling load and the size of equipment needed based only on the square footage of the home. Often this rule-of-thumb approach is calculated using one ton of air-conditioning per 500 square feet of floor area. This results in improper equipment size. A reputable contractor will complete a load calculation that also includes humidity load. If you are replacing a unit, a load analysis should be done by an HVAC contractor to determine if the older unit size is appropriate.

What Should The Calculation Consider?

Heat passes through the walls, roof, windows and doors and is generated by people in the home. The load calculation should consider all of the following heat and humidity factors: • Surface area of the walls, attic, windows, and doors • Type and thickness of the insulation in the walls, attic and floors • Construction of the walls, floor and roof • Type, size, orientation and number of windows How Do I Select An HVAC • Orientation of house Contractor?

• Permanent exterior shading When searching for a conscientious, • Occupant activities licensed, bonded contractor, always • Kitchen, bath, and laundry contact your regional Better Business equipment Bureau to make sure the contractor • Ventilation needs you select has a satisfactory rating.

• Outdoor air infiltration The regional office should be listed • People capacity of the home in the business white pages in your (using two persons per bedroom). local telephone directory. The Many other factors can increase a contractor you select should home’s humidity. Cooking, extra complete a cooling load analysis and people in the house, lighting and a humidity load analysis. In addition, moisture from the bath, houseplants, the contractor should provide service kitchen or laundry contribute to after the installation and an AC indoor moisture and increase the operation manual. home’s cooling load.

What Should I Know Before Looking?

Making an informed AC equipment choice means: • Selecting a reliable heating, ventilating and air conditioning (HVAC) contractor.

• Getting a thorough load calculation completed on your home.

• Purchasing an efficient, properly sized HVAC system.

• Choosing a thermostat that provides comfort and encourages efficient energy use.

What Is A Cooling Load Analysis?

A cooling load analysis calculates how much heat enters your home in one hour when the outdoor temperature reaches 95 degrees. This analysis ensures that even at 95 degrees your AC capacity will be

July 2016

How Is Equipment Sized For A Home?

Air conditioning equipment is available in many different sizes for different types of homes. The term “size” refers to the combined cooling capacity and dehumidification

Princeton Daily Clarion & Oakland City Journal

Evansville 812-425-9131 Vincennes 812-882-2020 Shekell.com

capacity. A cooling load analysis gives the required size of the AC unit based on the largest expected heat gain of the house. Cooling load and equipment size are quantified by BTUH (British Thermal Units per Hour) or TONS; one TON of AC equals 12,000 BTUH. Many contractors simply add 25 to 30 percent to the cooling load analysis to account for humidity. In many homes this short cut can actually increase humidity levels, causing them to represent 30 to 50 percent of the total cooling analysis. In humid areas, it is important to have a cooling load analysis that gives the humidity gain including moisture from outdoor air, cooking, showers and washing.

J.E. Shekell Assessment Show Us Your Home’s Needs At J.E. Shekell we’ve been keeping homes comfortable and in good condition since 1978. Let our team of Home Comfort Specialists inspect your home’s HVAC system. We’ll talk about cooling needs based on the factors that affect your home such as humidity levels, construction, size of the system best for you and cost of long-term operation. Call familyowned J.E. Shekell, Inc. Customer satisfaction is our cornerstone.

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Page 43

A Rehab Facility

Transcendent Healthcare Of Owensville, LLC Hwy 165 W, Owensville, IN 812-729-7901

How To Choose....

• stroke and other neurological injuries A hospital is a hospital is a hospital, right? Afraid not. Health care terminology • speech-language or cognitive deficits • orthopedic rehabilitation (including doesn’t help matters: acute care, sub osteoporosisor arthritis) acute, skilled nursing, continuums, • industrial rehabilitation and return-toinpatient, outpatient. What do you do work services when the doctor says you need rehabilitation?

While most outpatient facilities offer some or all of these services, you can tell You’re Not Alone the difference between an excellent Most people don’t think about facility and an ordinary or inadequate one rehabilitation until they need it. Even then, it’s often a physician or other health by asking the following questions: care professional who recommends rehab 1. Does the center offer a to continue the person’s recovery after a comprehensive range of services? Look for trained staff in physical therapy, disabling illness or injury. occupational therapy, speech and It’s the goal of a rehabilitation facility to cognitive therapy, industrial rehabilitation help people resume the ordinary activities and vocational counseling. Also ask about counseling and support services that can of daily life that they enjoyed before: earning a living, raising a family, running be crucial in the rehab process. a home, pursuing a hobby, playing sports. 2. Does the facility emphasize prevention of injury? Many common A good rehabilitation program offers injuries, such as carpal tunnel syndrome, therapy and education to avoid further will recur without a change in the way injury. people use their hands.

3. Is the facility well-respected and It is important to know the difference among facilities. There is a difference, for well-connected in the medical example, between a retirement home that community? Does it have a medical director who specializes in rehabilitation? has rehabilitation professionals on staff Does it have a strong network of and a dedicated rehabilitation hospital.

Facilities that have rehabilitation as their consulting physicians and other health care professionals to call upon if sole objective, such as rehabilitation necessary? hospital or center, are likely to have the 4. Is the site easily accessible by car or most highly trained therapists, medical supervision by physiatrists (doctors who public transportation? Are the buildings easily accessible for people with specialize in physical medicine and rehabilitation), nurses and psychologists. disabilities?

5. Does the facility accept the insurance These centers usually offer innovative or managed care plan you use? A good therapeutic programs, state-of-the-art facility will have an adviser who can help technology and facilities and education you make financial and insurance programs for patients and health care arrangements for your therapy. professionals.

The type of rehabilitation facility you choose depends on the kind of illness or injury experienced and its severity. There are two main types of rehabilitation facilities: • Outpatient facilities where patients come and go for treatment on a daily or weekly basis • Inpatient (or acute care) facilities where patients stay for days, weeks or months, depending on their condition.

Outpatient Care Outpatient activities may stand on their own or be part of a comprehensive rehabilitation hospital. Common programs cover therapy for: • sports injuries • hand rehabilitation

Page 44

Inpatient Or Acute Care Facilities Most people who are admitted to an inpatient rehabilitation facility are recovering from injuries or illnesses that severely impair their physical functioning or understanding. These include: • strokes • spinal cord injuries • traumatic brain injuries • chronic pulmonary problems • neurological disorders • other debilitating conditions Consider the following factors in selecting an inpatient rehabilitation facility: 1. Does it have a physical entity or “campus” equipped with the best in medical care, technology and facilities?

2. Does the facility provide 24-hour nursing care?

Princeton Daily Clarion & Oakland City Journal

3. Are its services well integrated and provided by multidisciplinary teams?

4. Is it accessible to your family and friends? Is it located near highways?

5. Does it have a caring and restful atmosphere?

6. Does it offer more than the basics in terms of facilities and services? For example: Does it have a pool for aquatic therapy or a sports program for people with disabilities?

Other Guidelines

• Certain services should be available daily or twice daily: occupational, physical and speech/language/ hearingtherapies as well as social work and psychological counseling. Other important services are recreational therapy, vocational training and special education services.

• Look past the time of discharge. Does the discharge staff help plan your home care and the support services needed once you return home?

Are there vocational, psychological and social work professionals available to help patients adjust to life outside of the facility? Does the facility offer practical assistance, such as programs to help patients drive again after their illness or injury?

Ideally, an inpatient rehabilitation hospital will also offer outpatient rehabilitation services that provide continuity of care after discharge.

• Look for a continuum of care from the time of your admission past the time of discharge. Anyone who is disabled will face a long period of adjustment and will need services that are not anticipated. Find a facility that will help you prepare for and fulfill those needs.

July 2016

Now Two Locations ~ Evansville AND Vincennes!

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