How To Guide July 2018 by Princeton Daily Clarion, The Hometown Register, Warrick Standard

Inside you will ďŹ nd valuable information on local products and services

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How-To Guide, Sunday, July 29, 2018

How To Choose....

A Photographer Focus on style, accessibility

What’s your style?

If you’re looking for a certain style of photography, some photographers are going to be more suitable for the job than others. • Dark and moody • Light and airy • Lifestyle • Studio

Finding a photographer who specializes in your chosen style. Photographers often specialize in different styles of photographs. Style examples include: • Outdoor photography • Portraits • Product shots • Action photography • Senior photos • Newborn photos • Family sessions Set your budget Watch for photographers to run specials or minis so you can jump on those if the budget is tight. If a photographer seems expensive, you are likely paying for higher quality photos and experience. Always worth the money!

Know what you want from your session and don’t be afraid to voice that to your photographer and then let them work their magic.

Make sure you understand what you are getting with your session. Most packages should include a certain amount of time and images. With mini sessions you may only get 5-10 digital images. Also, make sure your package includes print rights. This means you have the right to print as many photos for your personal use. If a package does not include print rights then it might include prints or you will have to order prints from the photographer.

Owned by Lynda Powers & capturing beautiful faces since 2005! Weddings, Destination Weddings and All Portrait Photography Serving Southern Indiana & Beyond Call 812-664-4341 or visit www.thepattonphoto.com

Be wedding ready Choosing a wedding photographer can seem overwhelming. So many choices. So many different packages. And this is a once a lifetime day. The pressure is a little higher. Once again, find a style you love and set a budget. If there is one area of your wedding you should spend the extra money on it is the photos. Your wedding day will go so fast and you will not remember most of it because of that so you will need these gorgeous professional photos to document the day and be a constant reminder of that time. Make sure you are hiring someone with experience. You will rely on the photographer to see that the day runs smooth and is as stress free as possible. A professional wedding photographer will do just that. (They will also set up a time line for the day). Also, if you are getting married in a dark church or reception hall you will want to make sure your photographer can handle anything. Don’t be afraid to ask if they have the proper equipment to handle low light situations. Most professional wedding photographers will have all the proper equipment and can handle any lighting situation thrown at them. It’s worth it to pay someone who knows what they are doing so you can be relaxed as possible on your big day. A professional photographer will also have a website and not just a facebook page. Once you find someone you like, ask to meet up in person to talk about it and get to know them. You want to make sure you click with this person because they will be spending the entire day with you. Most photographers are happy to do this. Don’t be afraid to ask to see a wedding gallery from start to finish. You want to make sure you are getting a variety of photos. Make sure the photographer caught all the key moments. Look for the quality of photos...like if they are in focus or blurry or are they super bright or dark?

Do not be scared of contracts or deposits. They are there to protect both parties.

Your photographer should have a contract. Don’t be alarmed by that and make sure you read and understand everything. It should tell you what to expect from them on the day, how long it will take to see the photos and what they will do in case of an emergency. If a photographer does not have a contract, ask for one. Once again a contract is there to protect BOTH parties.

Pay attention to how long the session is. Some mini sessions are only 15 minutes so be prepared for that. Some sessions can last up to 2 hours so if you have small kids bring toys and snacks to hold them over.

Not even sure where to even start? Google! Search the speciﬁc session you need and the town you live in and that will weed out any photographers that don’t do that type of session. Look through websites and compare packages.

• Find a photographer who specializes in your chosen style • You will need to describe what you want in the photo • Where will the photos be taken? Some photographers offer on-site shoots or studio portraits

Questions to Think About • What will the photograph be used for? • Do your want to have all rights to the photo? • How much are you willing to spend?

How To Guide, Sunday, July 29, 2018

Patton Photo Lynda Powers Princeton, Indiana (812) 664-4341 www.thepattonphoto.com

How-To Guide, Sunday, July 29, 2018

How To Choose....

A Hospital 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 There are several avenues one can take to find a hospital that meets their hospital near family and friends? 5 Things You Does the hospital have convenient particular needs. The first avenue Should Know: would be to look at hospital websites visiting hours and other rules that are • Is the hospital important to you. Does the hospital to research each hospital’s services accredited by The offer convenient follow-up care if and accreditation. Accreditation is Joint Commission necessary following a hospital stay? linked directly to quality of patient and/or other You also need to check with your care, quality of facility, and quality accrediting health plan to ensure that they cover of staff and physicians. The primary organizations? services provided by the hospitals health care accreditation service is • What are their patient that you are researching. The Joint Commission (TJC), a notsatisfaction for-profit, independent organization indicators or scores? You should also discuss your hospital founded in 1951 that reviews safety • Does the hospital and quality of the nation’s health care options with family, friends and your meet my personal doctor, and gather input from them. facilities through a voluntary but needs? rigorous accreditation process. This • What is the Visit The Hospital process is ongoing to ensure that the experience, training hospital is staying in compliance with Before You Need It and certification of ever changing regulations. There are Visiting a hospital is an important the physicians and more than 20,000 health care step in making an informed decision staff? organizations accredited by the Joint about future treatment for you or • What are the core your family. At the initial visit with a Commission each year and values that guide the physician or customer service information about the Joint hospital and its representative, always ask specific Commission or the accredited employees? questions. This will help in the flow hospitals can be found on their website at www.jointcommission.org. of information and also may trigger any other concerns you may have In addition to hospital accreditation, about a facility. you can also look at various service line accreditations that facilities may Look at the core values and hold to show quality services. philosophies of the hospital, read Hospitals can seek voluntary their mission statement and check to accreditation in services such as 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.

How To Guide, Sunday, July 29, 2018

How-To Guide, Sunday, July 29, 2018

812-385-2733 princetonvet .net 725 E. Broadway Princeton, IN 47670

A Veterinarian Your Pet Deserves Excellent Healthcare Today’s Doctor of Veterinary Medicine is a highly trained medical professional. Once completing undergraduate studies and four additional years on veterinary medical school, a veterinarian must successfully sit for a national board examination, state board examination and clinical competency test. Veterinarians are trained in clinical areas such as anatomy, pathology, microbiology, pharmacology and surgery. Modern veterinary medicine offers comprehensive medical and surgical services comparable to the healthcare provided to people. Most veterinarians are general practitioners offering a wide variety of services, while some continue their training to become specialist in disciplines such as cardiology, ophthalmology, and neurology. WHERE TO START: Word of mouth is the best place to begin your search for a veterinarian. Ask neighbors, friends and family members to recommend a veterinarian and ask why they chose him. You want to choose a veterinarian whose personality works well with you and your pet. Other sources of recommendations might include the breeder of your pet or the local animal shelter, co-workers who have pets, or the trainer of your pet’s obedience class. Ask those that you know take good care of their pets and you will likely receive a good recommendation. Your local phone book will have listings of area veterinarians, but don’t base your choice on advertising alone. NARROWING THE CHOICE: There are many facets to consider when choosing a veterinarian. Some obvious ones are location and convenience. You should not make your choice on location alone, but it is a consideration. You may have a relationship with a veterinarian an hour away, but can you get to him soon enough in an emergency? Does the veterinarian have hospital hours that coincide with your schedule? Many veterinarians have early morning dropoff hours to accommodate the working individual. YOUR PET’S FIRST APPOINTMENT: Once you have narrowed your choice to one, schedule an appointment. When you arrive, take note of the condition of the ofﬁce. It should look and smell clean. Are you greeted by name? Is the

hospital staff courteous and friendly? Make sure you provide your new veterinarian with any previous medical history for your pet. Sometimes, it is better to send this information ahead of time, before your pet’s first visit. WHAT TO ASK Does your veterinarian offer a comprehensive preventive healthcare program? Ensuring your pet is current on all immunizations, heartworm testing and intestinal parasite screenings will decrease the likelihood of serious disease over your pet’s lifetime. Does he recommend year-round heartworm, flea, and tick prevention? Does he recommend dental care for your pet? Is emergency service available if the need arises? Most areas have an after-hours emergency facility close by. Your veterinarian can provide you with the necessary contact information. If you have an unusual breed of pet that has an unusual condition be sure to provide this information and ask questions. Are you comfortable with his response? Does he explain your options well, or does he dismiss your questions? Also ask if he provides ancillary services such as boarding and bathing. They may be important factors in your decision. Does your veterinarian require that all pets boarding be current on all vaccinations? This is extremely important for protection of your pet as well as other pets that are boarding. WHAT ELSE TO LOOK FOR: The examination room should be clean and orderly. Has the examining table been disinfected after the last patient left? Your veterinarian should perform a full examination of your pet. This should include evaluation of your pet’s teeth, eyes, ears, skin, heart and lungs, abdomen and musculoskeletal system. He should also ask questions about your pet’s general health. Does he rush the check up? Does he listen to you? Is he comfortable with your pet and does he seem to have a good rapport with your pet? Does your pet seem to like him or at least seem comfortable? Of course, some pets are difficult at every vet visit. If your pet is one of these, is the veterinarian able to handle him? An experienced veterinarian can handle most difficult pets with a minimum of stress for your pet. Once you have chosen your veterinarian, ensure that you and your pet visit him regularly. Keep him informed of any changes in your pet that concern you. Don’t be afraid to ask questions. Take an active part in your pet’s health care and you will keep your furry friend with you for many years to come!

How To Guide, Sunday, July 29, 2018

PRINCETON VET Compassionate care for all animals ... large or small!

• Secure Pet Boarding • Surgery • Dental Care • Pain Management • Flea & Tick Care Always Accepting New Patients 725 E Broadway, Princeton (812) 385-2733 princetonvet.net MON.-FRI. 7:30 am - 11:30 am, 1 pm - 6 pm SAT. 8 am - 12 noon

How-To Guide, Sunday, July 29, 2018

How To Choose....

Carpet

Since 1978

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

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

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. HOW WOULD A DESIGNER DESIGN MY SPACE? If a designer were to help you design your home, they’d begin with you. So you begin with you! Put yourself through an initial interview - ask what a designer would ask.

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. Important: It is rarely desirable to match a color exactly. More visual interest is created by blending colors. Carpet color is an emotional issue. But, with these color selection tips, you can enter a carpet retailer with more confidence!

CHOOSING THE RIGHT CARPET “TYPE” FOR YOU To shop with confidence, you need to know what kinds of carpet are available and what each is designed to do. All carpets begin with a “loop pile”. To make a “cut pile,” the tips of the loops are sheared off, which produces the smooth finish of velvets and other styles. Cut pile carpets are by far the most common type bought by consumers because they have the most luxurious look and feel. Here are some specifics of different carpet styles: Multi level Loops - Consists of loops of varying heights creating a wide range of styles. Some look like carved patterns while others offer a more random effect. Level Loop - The visibility of each loop and the way light reflects from the surface 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 piles to offer an infinite variety of effects. You may have heard that dark colors In solid colors, their subtle shading make a room look smaller. It’s true. So creates a unique style of multi-toned you should stay away from dark colors, beauty. Velvets - Are the ultimate right? Wrong! If your objective is to create a warm, cozy and sheltered look, a inelegance. All the pile fibers blend together in these extra-dense, cut pile smaller “feel” is exactly what you want 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 with. Also called Saxony Plush. Textured color tints tend to enlarge a space. These colors create a restful and soothing mood. Saxonies - The most casual and rugged of cut pile carpets. Tightly twisted yarns curl They’re ideal when you want a formal, back on themselves, creating a distinctive orderly and romantic tone. Strong nubby look or pebbled texture. Friezes contrasts of color are lively, exciting and energetic and can be a bold statement for Classified as a cut pile Berber, probably the most durable carpet made. Soft, your family’s style of living. Color can luxurious feel, seams together excellently, also change the feel of a room. In rooms developed to replace wool. facing north and in cool climates, you can “warm up” the room with a warm OTHER CARPET BUYING color scheme featuring reds, yellows, CONSIDERATIONS oranges, peaches and apricots. In southAvoid bargains. Cheap carpet is easy to facing rooms and in warm climates, a

THE INTERVIEW Start with the size of your family and the age of your children (if any). Are there pets? Is there the possibility for grandchildren or elderly parents moving in? Are there family members living outside your home who should be consulted? Are you doing one room, several rooms, or an entire apartment or house? Now take a hard look at how your family lives. In which rooms do you spend most of your time? Is your living style relaxed or formal? Do you like everything in its place, or do you consider a casual room more comfortable? Do you entertain? Are the groups small or large? How often do the children bring friends home? These are practical matters you must consider.

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.

How To Guide, Sunday, July 29, 2018

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.

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

How-To Guide, Sunday, July 29, 2018 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

H ere Are Some Questions You Should Ask When Selecting A Funeral Home

Materials To Pick Up While At The Funeral Home

What Is A Funeral And Why Have One?

What Do Funeral Directors Do?

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?

How To Guide, Sunday, July 29, 2018

When youâ&#x20AC;&#x2122;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

How-To Guide, Sunday, July 29, 2018

Call us at 812-963-3130 Or visit us at

How To Choose....

Roofing/Windows HOW TO KNOW IF I SHOULD REPAIR OR REPLACE MY ROOF? First and foremost is the age of your roof. Our experts at TriState Roofing and Remodeling suggest that the average life of a roof is 2025 years. If the shingles are curling or buckling this could mean that the shingles are past their life expectancy or this could also mean that the shingles are defective. Contact us today to see if you could be eligible for a reimbursement. Other signs include missing shingles, shingle granules in the gutters and if you can see daylight coming in through the roof boards. HOW TO CHOOSE THE RIGHT ROOF FOR YOUR HOME? So, you have found out that you need a new roof. Now the question is what roof is right for your home? At TriState Roofing & Remodeling we know there are so many variables when choosing your new roof so here are some guidelines to go by: -How long will it last? -Does the roof have enough slope? -Will it compliment the look of my home? -Is this going to fit in my budget? BIGGEST BENEFITS TO REPLACING YOUR ROOF! Benefit 1 - Increasing the value of your home. According to remodeling magazine, you can recoup up to 70% of your dollar. Making the decision to replace your old roof is an investment that will be rewarding for years to come. Benefit 2 - Superior energy

www.tristateroofingandremodeling.com

efficiency. Old and damaged roofs can leak warm air into your home during the long summer months. They can also allow warm air to escape during winter months, making your energy bills high. Benefit 3 - Amazing curb appeal! Your roof has the biggest impact on a first impression of your home. Roofs come in different shapes, color and materials. Whether you are wanting a metal roof, dimensional shingle roof or a standing seam roof, we can make it happen! TriState Roofing & Remodeling are experts in making first impressions last a lifetime!

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 in your home, vinyl is the way to There are 3 main types of roofing go! Vinyl Windows are an that we specialize in; metal economical alternative and provide roofing, dimensional shingles and a number of benefits that include: standing seam roofing. - High level of insulation - Noise reduction -Metal Roofing - while other - No chance of termites roofing can deteriorate with age - Maintenance free (No painting, metal roofing is longer lasting and no scraping or puttying) provides stability for many many - Increase value of your home years to come. Benefits of metal roofing: - Vinyl Siding - if you are *Interlocking panels for greatest looking for durable siding for your wind resistance home, vinyl siding is a great *Keeps homes cooler & energy solution. With many different types efficient and colors to choose from, you are *Fire resistant sure to find something that fits *Low weight metal construction your style! Call us today to learn helps preserve structural integrity about textures and colors that will *Many different styles to match work best for you! your lifestyle and neighborhood - Gutter Guards - every year, -Dimensional shingles are gutters are damaged from an superior to the regular asphalt overflow of leaves, mud, and dirt. shingles. Hereâ&#x20AC;&#x2122;s why! They are This happens because traditional constructed from a heavier base gutters are open to all of these that contains multiple layers. These elements. But with gutter guards multiple layers, when assembled, installed, these items are filtered make the shingles seem out and only water enters the dimensional and thus give the gutter! appearance of non-asphalt WHAT TYPE OF ROOFING DO WE USE?

How To Guide, Sunday, July 29, 2018

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How-To Guide, Sunday, July 29, 2018 One-on-0ne Training Group Training 226 E. Washington, Small Oakland City

How To Choose....

AA Funeral PersonalHome Trainer

1132 N. Old US 41 • Princeton, Indiana Weight Loss 812-749-4024

@elev812_SC

Sports Performance Jerry L. Basham Locally Owned & Operated Since 1891 Strength Conditioning Elev812 Strength and Conditioning www.lambbasham.com Private Facility

You’ve heard it before: Regular exercise H ere Are Some Questions increases yourAsk energy and metabolism, improves You Should When Selecting A Funeral Home strength and flexibility, decreases stress, brightens your mood and helps fight disease as you age. With all those fantastic benefits, why would you ever skip a workout? Alas, fitting it in can be difficult as your life gets busier. What you need is a personal trainer dedicated to motivate, inspire and help you obtain your goals. Personal trainers are certified men and women who have the knowledge, ability and skills to design safe and effective fitness programs. Materials To Pick Up

Realistic goals Sadly, the bikini bod doesn’t happen overnight. Setting small, obtainable goals is something your personal trainer will help you create and achieve. For example, if you wantTothat bikini Points Remember • Visit several bod just in time for next summer, there’sfuneral more homes before deciding on the table than doing 100oncrunches a day. Your one. Check the funeral personal trainer will guide• you through altering home’s reputation by your diet to fuel your bodytalking with the correct with friends or foods, how to mix cardio and weight clergy first. workouts to • Make sure the person tone the right muscle and setting an achievable handling your funeral timeframe. arrangement in your time of need is licensed. • Plan ahead if possible, but that doesn’t necessarily mean pay ahead.

Inspiration and accountability Do I really need a trainer? “Tomorrow I’m going to the gym, no excuses.” Yes! Personal trainers create custom fitness plans You’ve said that right? You might have followed chip, but in the for each individual person. As our bodies age and that with a pint of mint chocolate Choosing A Cemetery • Make sure the change, so do our levels of fitness. Some may be morning you’re far from the doors of your local cemetery is licensed. What Is A Funeral gym. Cue personal trainer.• Check the cemetery’s recovering from an injury, beginning a weight And Why Have One? reputation by talking to loss journey or making a lifestyle change. friends, local clergy and Personal trainers ensure that you commit the Better Business While exercise is a large part of fitness, nutrition and stick to your goals. If you’ve Bureau.made an Inspectfar themore cemetery likely and lifestyle changes go hand in hand to achieve appointment with a trainer,• you’re yourself. to haul it to the gym instead of just thinking your goals. Personal trainers provide not only • Ask questions. How do they handle physical education but also meal plans and tips. about it. While At The Funeral Home

What Do Funeral Directors Do?

complaints?

The perfect form While exercising might be easy, having a personal trainer by your side is priceless. Using incorrect posture or techniques can be harmful to your muscles and leave you aching for days. Personal trainers lessen your chance of injury and will guide you along the path of maximum results.

Personal trainers are always on your side, guiding and pushing you to meet your goals. Having constant accountability keeps your goals on track and improves your overall wellbeing. Always in your corner, cheering you to keep pushing.

How To Guide, Sunday, July 29, 2018

One-on-0ne Training Small Group Training Weight Loss

Sports Performance Strength & Conditioning Private Facility

1132 N. Old US 41 Princeton, Indiana @elev812_SC Elev812 Strength and Conditioning

How-To Guide, Sunday, July 29, 2018

500 E. Park St., Ft. Branch 812-753-4601 www.stodghillfuneralhome.com

How To Choose....

A Funeral Plan IT MAY BE A GIFT TO THOSE YOU LOVE It was Ben Franklin who said nothing is certain but death and taxes. This article does not deal with taxes, but rather the other certainty in life. Everyone dies, so a discussion of funeral planning is never irrelevant. When someone we love dies, there are varying stages of anger, confusion and numbness. The funeral is one of the most significant means we have of dealing with grief. The funeral ritual helps us focus our emotions and brings a sense of meaning to death. It confirms the reality of death and provides a catalyst for mourners to talking about the deceased. Experts tell us being able to talk about the life of a deceased loved one is one of the first steps toward accepting death. PREARRANGING YOUR FUNERAL Prearranging your funeral is not much different than any other planning you have carried out during your lifetime. You buy insurance in case of fire, flood, theft or death. These coverages are purchased as an act of love and responsibility for those you love in case an unfortunate incident occurs. A pre-planned funeral accomplishes the same goals. A pre-planned funeral can prevent your family members from having to make a number of significant decisions at a time when they are confused and upset. They will have enough on their minds dealing with grief without having to make several important decisions in a very short period of time. Experts tell us that there are an

average of 50 decisions to be made when arranging a funeral. Adding to the need for preplanning is the fact that our lifestyle is more complex in today’s world. Family members often live in different states, complicating rapid decision making. Further complications stem from frustrations that occur when dealing with government agencies in different states. A solid preplanning session can prevent these complications which can loom very large during a time of pain and sorrow. HOW TO PLAN A call to a funeral director is a good beginning in making sure you have covered all your bases in your planning. He or she can lead you through a process to ensure you don’t forget vital information in your plan. Some funeral directors offer free booklets that provide a “punch list” of topics to think through and record your wishes. Topics in these guides include funeral details ranging from visitation to the memorial service and alternatives from burial, cremation or entombment. These are obvious decision, but other important topics include categories that will provide a helping hand to your family. Additional topics include organizations to be notiﬁed with phone numbers, persons to be notiﬁed, medical history, estate information, banking information, real estate holdings and insurance policies. Many include obituary information outlines, personal property inventories and special instruction and information

pages. There may also be information regarding the importance of your will and how to go about ensuring it is accurate and updated. PREFUNDING YOUR FUNERAL Prefunding your funeral also is an important consideration. Your funeral director can show you options which will waive your family from possible financial burden later. You may take out a life insurance policy which would cover funeral expenses, or invest in a funeral trust account or final expense insurance policy. In most cases, funds invested today would be enough to cover the total cost of the funeral since interest earned by the funds will offset the effect of inflation. Government regulations safeguard your investment so funds will always be available for use. Another important part in your plan is to make sure your loved ones know where your recorded wishes can be found. Millions of dollars in government and insurance death benefits go unclaimed because family members do not know where to find information they need at the time of death. Some considerations that also need to remain in the forefront of the pre-planning agenda: • Social Security: When a loved one dies, dependents and survivors may be eligible for certain benefits such as death payments, survivor’s benefits and Medicare. Qualifications depend on several factors such as age, marital status, number of dependent and whether employment was under Social Security.

Your Social Security account should be verified periodically to ensure contributions are posted. All benefits must be applied for since payments are not automatic. • Veterans Benefits: Honorably-discharged veterans are entitled to benefits that may affect decisions about funeral arrangements. For example, veterans may qualify for a cemetery plot and burial allowances, a headstone and burial flag, as well as pension for survivors. • Medicaid: There are provisions under Federal Title 19 that allow an individual to shelter funds to serve the family later by providing for funeral arrangements. Since qualifications vary for each of these options, it is best to discuss your situation with your funeral director. IMPORTANT POINTS ❑ The funeral ritual helps us focus our emotions and brings a sense of meaning to death. ❑ A pre-planned funeral can prevent your family members from having to make a number of significant decisions when they are confused and upset. QUESTIONS TO THINK ABOUT ❑ Have you selected a cemetery or memorial location? ❑ Are certain religious customs to be followed? ❑ Are there any special readings, biblical passages or musical selections you prefer to use in the memorial service? ❑ Do you want to name pallbearers?

How To Guide, Sunday, July 29, 2018

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How-To Guide, Sunday, July 29, 2018

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. 1. Define what affordable means to you Only you can decide how much you are comfortable paying for your housing each month. Your mortgage lender can consider if you are able to repay your mortgage, yet you need to determine whether you will be comfortable repaying your loan. Based on your whole financial picture, think about whether you want to take on the mortgage payment plus the other costs of homeownership, such as appliances, repairs, and maintenance.

2. Understand your credit Your credit, your credit scores, and how wisely you shop for a loan that best fits your needs have a significant impact on your mortgage interest rate and the fees you pay. To improve your credit and your chances of getting a better mortgage, get current on your payments and stay current. About 35% of your credit scores are based on whether or not you pay your bills on time. About 30% of your credit scores are based on how much debt you owe. That’s why you may want to consider paying down some of your debts. TIP: Be careful making any big purchases on credit before you close on your home. Even fi nancing a new refrigerator could make it harder for you to get a mortgage.

Step 1. Estimate your total monthly home payment Your total monthly home payment is more than just your mortgage. There are more expenses that go along with owning your home. Start with estimates and adjust as you go. Add the following items: principal and interest, mortgage insurance, property taxes, homeowner’s insurance, and homeowner’s association or condominium fees, if applicable. Step 2. Estimate the percentage of your income spent on your monthly home payment Calculate the percentage of your total monthly income that goes toward your total monthly home payment each month. A mortgage lending rule of thumb is that your total monthly home payment should be at or below 28% of your total monthly income before taxes. You may be approved for more or for less depending on your overall ﬁnancial picture. To calculate your percentage, take your estimated total monthly payment divided by your total monthly income before taxes, and 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. The amount of money you have remaining represents the amount of money you have to pay your utilities, groceries, credit cards, child care, health and auto insurance, car payments (if applicable), repairs and everything else.

TIP: Correcting errors on your credit report may raise your score in 30 days or less. It’s a good idea to correct errors before you apply for a mortgage. 3. Pick the mortgage type - fixed or adjustable - that works for you With a fixed-rate mortgage, your principal and interest payment stays the same for as long as you have your loan. • Consider a fixed-rate mortgage if you want a predictable payment. • You may be able to refinance later if interest rates fall or your credit or financial situation improves. • With an adjustable-rate mortgage (ARM), your payment often starts out lower than with a fixed-rate loan, but your rate and payment could increase quickly. It is important to understand the trade-offs if you decide on an ARM. • •

Your payment could increase signiﬁcantly, often by hundreds of dollars a month. Make sure you are conﬁdent you know what your maximum payment could be and if you can afford it.

4. Choose the right down payment for you A down payment is the amount you pay toward the home yourself. You pay a percentage of the home’s value to the home’s seller and borrow the rest through your mortgage loan. • 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 may have to pay a higher interest rate/fee and lenders may require private mortgage insurance (PMI). PMI is an insurance policy that allows you to 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 mortgage lender. Many lender websites have online financial calculators and online home loan applications to help you start the mortgage process. Be sure to choose a trusted mortgage lender who is available to help you explore your options and assist you in making good mortgage decisions for you and your family.

How To Guide, Sunday, July 29, 2018

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How-To Guide, Sunday, July 29, 2018

How To Choose… A College Steps To Choosing The Right College... • Know who and what to study during the college experience. • Take a “Values Assessment” • Do a “Self-Assessment” survey • Pick a major or academic focus, then visit the learning center or enrollment office for more information. • Research schools that offer that major or program. • Look at different reports and recommendations for students’ and teachers’ perspectives about the “best” education for each major. • Find schools that fit necessary criteria. It may be necessary to make choices among conflicting criteria.

CHOOSING A COLLEGE Choices, choices, choices! With hundreds of options, making the right choice can seem overwhelming. But remember that the decision is yours and there is no wrong choice, except the one that is not your own. DO RESEARCH ON THE WEB • ACT CollegeNet – College search link • Campus Tours – virtual tours and more • The College Board – SAT information and a great college search program • Local Colleges – in depth information • Peterson’s Collegequest – includes a personal organizer, practice tests and discussion groups • Princeton Review – the student perspective about schools • US News – ranks colleges on a range of criteria ESTABLISHING WHICH SCHOOLS ARE RIGHT FOR YOU: SCHOLASTIC LEVEL • How do you fit in academically? • Will you be challenged, bored, or overwhelmed? TYPE OF EDUCATION • Are you looking for a pre-professional or liberal arts education? • Would you prefer to have required courses, or choose your own path? • Do you know what you want to do when you graduate or will you choose a major later? LIFESTYLE • Attend several classes and spend time on campus. • Walk around. • Check out any campus events of functions. • Are the students and staff friendly? SETTING • Do you dream of ivy-covered, Gothic buildings? • ...long, winding paths in a secluded, rural campus? • ...or would you rather be in the heart of a big city, with its culture, activities and noise? • What kind of weather do you prefer? • Are you an avid skier? A dedicated surfer? • Where do you feel safe and secure? COST • Can you afford it? • Should you apply for financial aid? • Have you and your parents worked out a plan to manage payment? • What scholarship programs does each school offer? • Categorize Your Picks Now, assemble a list of target schools. Some of the targeted schools should be “reaches” - more prestigious institutions that may be more of an admissions challenge. Along with your top choices, include schools which you feel confident in your chances of being accepted. Finish your “targeted schools” list with at least one “safety” - a school you and your guidance counselor consider to be a safe bet for acceptance. All of them should be a relatively good match for you. THE BOTTOM LINE It’s a cliché; but it’s true. Your choice will influence your ability to develop academic and social skills, your circle of friendships and acquaintances, and your chances of getting into a quality grad school or landing a fulfilling job.

How To Guide, Sunday, July 29, 2018

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How-To Guide, Sunday, July 29, 2018 Hwy. 41S Princeton, IN

812-386-6580 Mon - Fri: 7:30-4:30 • Sat: 7:30-12:00 john@kieselent.com www.kieselent.com

How To Choose....

Lawn Equipment 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?

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

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?

How To Guide, Sunday, July 29, 2018

How-To Guide, Sunday, July 29, 2018

1501 McDowell Rd., Evansville, IN

How To Choose....

Retirement Community 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 evaluate the size or space needed for their furnishings, the closets and storage space.

It is a good idea to drive by the various retirement communities to get your first impression of the appearance, architecture and location. It is also good to check the web site of each area retirement community. The web site will provide key information about the services that are offered and the accommodations. Other pertinent information may be obtained from the Department of Human Resources Licensing and Survey reports. The information may be obtained via the Internet, at the local Department of Human Resources or any retirement community that has a licensed nursing wing or assisted living unit. The Dunn and Brad street Financial Rating, the State Nursing Home Association, The Better Business Bureau and Long-term-Care Ombudsman are four additional agencies where retirement community stability and historical information may be obtained. INTERVIEW WITH KEY STAFF 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.

The cleanliness and maintenance or upkeep of the property may also be assessed on the tour. Staff-resident interaction, social activities and residentsâ&#x20AC;&#x2122; appearance may also be observed. BECOME INFORMED ABOUT SERVICES, ETC. During the initial and follow-up interviews and tour, it is vital to be informed about the amenities, services and levels of care that are provided and included in the admission contract. It is imperative that a potential resident be advised about whether the retirement community is a buy-in or lease arrangement,the price, refund policy, pet policy, etc. All amenities such as meals, housekeeping and laundry/linen service, telephone, cable television, transportation and social activities should be explained. 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

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.

How To Guide, Sunday, July 29, 2018

Solarbron Pointe: Independent Living Ap a rtmen ts At Solarbron, located on the west side of Evansville, you’ll discover a maintenance-free lifestyle and the opportunity to engage in new activities, meet new friends and take up new hobbies. Nestled in a quiet residential neighborhood, our 64-acre campus invites residents to stroll the grounds and enjoy our beautiful VWRFNHG ĆVKLQJ ODNH And because we believe that each person has the right to live life the way they prefer, we offer a customized :HOOQHVV 3URJUDP ZLWK QXPHURXV RSWLRQV DOO WDLORUHG WR ĆW \RXU OLIHVW\OH :LWK WKH 6RODUEURQ :HOOQHVV Program, selecting the type of support you need puts you in the driver’s seat, giving you an advantage in maintaining your personal best health.

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• Private apartment homes with month-to-month rental • All apartments include a private patio • Two meals per day served restaurant style • All utilities included except telephone • Bi-weekly housekeeping services • 24-hour emergency call service including pendants • Life enrichment with daily social events and programs • Scheduled transportation for outings and medical appointments • Priority access to rehabilitation, skilled nursing and long term care if ever needed

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How-To Guide, Sunday, July 29, 2018

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How To Guide, Sunday, July 29, 2018

How To Choose....

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

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.

Sometimes it may take several visits Basic Tips to different doctors to find one that a 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? Where did they intern? Patients in turn need to be patient, 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?

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.

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. 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?

How-To Guide, Sunday, July 29, 2018