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how to guide htrnews.com | Sunday, April 27, 2014

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How to Choose a Garden Center How to Prepare your Estate Plan How to Select the Right Insurance Agent How to Buy a Diamond How to Choose Windows How to Choose a Retirement Community How to Find the Right Shoes How to Choose a Financial Advisor

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How to Choose your Television Service How to Choose a HVAC Company How to Choose a Florist How to Choose a Pet Groomer How to Choose a Cremation Service How to Achieve Great-Looking Skin How to Choose a Dental Provider How to Choose a Builder

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How to Choose a Handgun How to Choose the Right Landscaper How to Choose an Assisted Living Facility How to Choose a Roofer How to Finance a Vehicle How to Choose a Skilled Nursing Facility How to Choose a Pharmacist

Going Green

Not intending a pun, the roots of today’s Hartman’s Towne & Country Greenhouse date back to the mid 1960s, when the business started as a hobby greenhouse. This hobby soon attracted the interest of others who were interested in flower and vegetable transplants for their own gardens. The good word apparently spread, and in 1985 Hartman’s built a facility at its current location on Nagle Avenue and today has an immense 45,000 square feet of greenhouse space. Spring is prime time at the greenhouse, sporting a wide and everchanging variety of flowers and vegetables for yard and garden. Summer and fall bring customers looking for perennials, mums, and ornamental kale, and the holidays burst into a colorful array of poinsettias, wreaths, and outdoor evergreen arrangements. Hartman’s prides itself on quality, home-grown plant material, and its ability to offer expert advice and outstanding customer service.

Thank You For Growing With Us! VOTED #1 IN MANITOWOC COUNTY 6 OF THE LAST 7 YEARS! (LAWN & GARDEN)

how to

Choose a Garden Center As spring draws near, the birds start to come out of hiding and many people begin to turn their attention to gardening. Starting in January, mailboxes throughout America begin to be stuffed with seed catalogs.

OPEN POLLINATED, GENETICALLY MODIFIED OR ORGANIC?

In many cases you will have more than one choice for a garden center in your area. Choosing the right one for you may be confusing.

Anyone who has spent any time digging in the dirt knows the meaning of these buzz words. Recently they have made it to the top of all gardening organizations.

Ask yourself what features are important to you. It is simple to become familiar with the industry as long as you pay attention to a few key things.

Open pollinated designates a seed or plant that will reproduce itself purely if seed is properly saved from the fruit of the plant. An organic seed or plant has been produced without artificial or chemical pesticides. Genetically modified plants are created by laboratory technology that manipulates the plant’s genes. For example, instead of mixing two different kinds of corn to create one that is more resistant to diseases, they may combine genes from corn and a totally unrelated tomato plant. These modifications do not happen naturally in the breeding process.

HOW LONG HAVE THEY BEEN IN BUSINESS?

Thanks to Our Staff

The longer a garden center has been in business, the more likely they are to have great service and offer quality plants. Even if the greenhouse or garden center has changed ownership, it is likely that there has been a continuation of business practices. While the length of time in business isn’t necessarily the only thing to be considered, it is a good indication of sound business practices. Many times when a business is sold the original owners stay on to provide training to new employees and owners to help with a smooth transition. This process of a smooth transition can often be a good indication of good management as well.

IS THE GARDEN CENTER LOCAL OR NATIONAL? Sometimes this can be difficult to determine. In many cases, garden centers may belong to a franchise and get their plants from other areas while having a local management team. This can make it more difficult to have control over the final product that you may buy.

2021 Nagle Ave Manitowoc, Wisconsin 54220 (920) 683-2123 Monday-Saturday 9am - 5pm Sunday 10am-4pm WI-5001779276

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won’t be apparent until the plant is already in your garden.

Although the perfect looking pictures can make your mouth water, not everyone wishes to start their spring garden from seeds. There are many other options to consider when planning the garden of your dreams.

A greenhouse that grows all of their own plants from seeds has full control over their inventory. The closer the plant is grown to where it will eventually be gardened, the better the end results will likely be. It is important to understand that plants are shipped in very small containers for long distances. This can cause the plants to be subject to more plant diseases, most of which

People are very wary of genetically altered seeds and plants. The truth is that there are many advantages to this type of plant. On commercial farms, this type of plant can give distinct advantages over those that are not genetically modified. In a backyard garden however, this is usually not necessary. When shopping at a garden center, you should know what types of plants are being offered. Many will have identifying points listed on the tag. If not, you should check with the staff to get information. Generally, commercial crops are more likely to have genetic modification done on them. There are many other points to consider that will help you make the right decision about a garden center or greenhouse. All else being equal, spend some time visiting all of the options. You may find a combination from several provide you with the best results. It’s important to feel free to shop around and compare prices. Customer service is also very important. Generally, gardeners are friendly and knowledgeable and always happy to give you pointers. You should find that the garden center you choose is informative and friendly.

Sunday, April 27, 2014 | htrnews.com

Affordable Alternative to Avoid Probate

how to

Prepare your Estate Plan

It is a common misconception that only wealthy people need to worry about estate planning. However, this is most definitely not the case. Regardless of your circumstances, whether you are rich or poor, old or young, you really should create a plan for the handling of your property and other assets in the event you die unexpectedly. Not having a sound estate plan can result in legal difficulties, great inconvenience, unnecessary taxation and family strife. Taking the time to consult with estate planning professionals can have a significant impact on your lasting legacy. The best estate plans are those crafted with the assistance of an experienced lawyer who can create documents written with your specific circumstances in mind. Candid information about personalities, the size of your estate, and your goals are vital to a sound estate plan.

DOES YOUR ESTATE REQUIRE COURT SUPERVISION? A Will subjects your estate to the probate process. Probate is the court-supervised process of transferring assets from a deceased person. Reasons for court supervision may be ill feelings among those who are left behind, assets that are difficult to value, or taxes or creditors that need to be paid, just to name a few. When you think about whether your estate requires court supervision, you must also think about the future. If your children get along now, are you sure that will always be the case?

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Sunday, April 27, 2014 | htrnews.com

In cases where it is needed, the protection of the Probate Court is valuable. But in many instances, such as that of a close family, or of a surviving spouse who is the sole heir, often unnecessary and burdensome. There are alternatives to probate, which when used in the right circumstances can be faster, cheaper, and more user-friendly. Among them are: Joint tenancy. This passes the property by the designation on the title to the joint owner. Transfers on Death or Payable on Death designations allow designation of a successor on the title of real estate or accounts. Use of these methods, while simple, can unintentionally alter a person’s wishes. If you have one child, and two step-children by a later marriage, a well-meaning bank agent or financial manager can designate a transfer on death to your child when you meant to leave your estate to all three children. Trusts. While most often used to minimize estate taxes , or to provide for management by skilled money managers, the trust can, and is, often used to avoid the probate court. A trust can give you all of the income, as much of the principal as you desire, and can be revoked. What makes it somewhat cumbersome is 1) its up-front cost, and 2)

the transfer of all of your property into the trust. All property, including property acquired after the trust is in operation, must be titled in the trust. You must be ever-vigilant to insure that everything is owned by the trust.

Wisconsin has a better way! The “Washington Will” The Washington Will, first developed in the State of Washington, is in fact a statutory agreement that simply avoids probate. Nothing has to be transferred-all assets are covered. If you have a Will that accomplishes everything you want, you can develop a Washington Will that attaches to your Will to transfer the property, but without the supervision of the probate court. It is inexpensive to draft, and takes no vigilance to ensure that all is covered as does a trust.

ADDITIONAL COMPONENTS OF GOOD ESTATE PLANNING Every adult should have a Will, regardless of age, but that only represents one piece of a solid, comprehensive estate plan. A Health Care Attorney appoints a trusted person with making health care decisions for you if you are incapacitated. A Financial Power of Attorney does the same for making financial decisions for you if you are unable. A Declaration to Physicians (Wisconsin’s “Living Will”) directs your doctors if the Health Care Attorney is unavailable.

COMMUNICATION IS KEY Think and discuss with your spouse and/or perhaps with your family, the effect that an unexpected inheritance may have. A windfall of the money that you have saved for your safety and the safety of your children may have exactly the opposite effect that you intend. Too much money at a young age can ruin a child’s life. Regret over a squandered inherence is all too common. Finally, an important part of an estate plan is communicating with your family about what they can expect to receive as part of the estate. You should be frank with them and, while you don’t necessarily have to go into every detail, they shouldn’t be too surprised by the size and nature of the inheritance they receive after your death. Many estate disputes and heartache can be avoided by simply engaging in open communication. This is another area in which a good estate planner can be helpful. Estate planning is their professional focus, and that includes the complicated family dynamics and concerns that typically accompany the process. With the right estate plan and experienced professionals to help, your estate can be a blessing that your heirs will treasure for the rest of their lives.

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how to

Select the Right Insurance Agent

It is not uncommon to find shopping for the right insurance agent to be something a challenge. Finding a company that offers the right combination of service, coverage and price isn’t easy to do. The problem may simply be one of not knowing how to identify reputable, experienced agents. It is vital to keep in mind the fact that everyone needs to have the right type of insurance coverage in place, and that a seasoned agent can help make that happen for his or her clients.

Once you have narrowed your list of possible agents, it is a good idea to meet with each one. Have a list of questions and concerns ready so that you can gather all of the information you need. Be certain that you feel comfortable with their answers before you take the process any further.

Prior to choosing your insurance coverage, it is necessary to identify a skilled agent willing to guide you through the process. You should always conduct thorough research into multiple agents in order to find the best one for your needs.

If you feel as if an agent is trying to get you to purchase a policy that does not meet your needs, you should proceed cautiously. Simply inform the agent that you need more information and are not ready to make a decision immediately.

A great way to start is to seek referrals from friends, family members and colleagues you know you can trust. If you receive a recommendation, there is a strong likelihood that you will have the same type of positive experience as the person providing the referral.

If you are working with the right kind of agent, they will allow you to take as much time as you need to collect all of the research and detail necessary to make your decision. They will also treat you like a good teacher — giving you lots of useful information —  rather than a high-pressure salesperson.

Talented agents know that offering great service is the best way to keep receiving personal recommendations and increased business. If you are satisfied with your agent’s work, they would surely appreciate your willingness to refer friends and relatives in the future.

Mark Rhein Agency, P A Wargin Agency, Inc. Inc. 2904 St Street 2114 Custer Washington Manitowoc, Two Rivers,WI WI54220 54241 (920) (920) 682-4659 794-1114 MRHEIN@AmFam.com PWARGIN@AmFam.com

Steven Sonntag Agency, Mark Rhein Agency, Inc. Inc. 2007 2904 Washington Custer St St Two Rivers, WI Manitowoc, WI54241 54220 (920) (920) 793-4576 682-4659 SSONNTAG@AmFam.com MRHEIN@AmFam.com

Steven StevenStrassburg Sonntag Agency, Agency,Inc. Inc. 3315 Ave.,StSte. D 2007 Calumet Washington Manitowoc, Two Rivers,WI WI54220 54241 (920) (920) 686-1571 793-4576 SSTRASSB@AmFam.com SSONNTAG@AmFam.

Tim TerpStrassburg Agency, Steven Inc. Agency, Inc 405 Rapids Rd. 3315N.Calumet Ave., Manitowoc, WI 54220 Ste. D (920) 682-5000 Manitowoc, WI 54220 tterp@amfam.com (920) 686-1571

com

SSTRASSB@AmFam. com

P A Wargin Agency Inc. Pam Wargin 2114 Washington Street Two Rivers, WI 54241 (920) 794-1114 PWARGIN@AmFam.com American Family Mutual Insurance Company and its Subsidiaries, American Family Insurance Company Home Office – Madison, WI 53783 83 ©2012 005598 Rev. 2/12 WI-5001785564

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Those who have not had the benefit of a personal recommendation are free to conduct their own research. It may be wise to begin by making inquiries of individual companies and brokers. Selecting a large insurer offers greater uniformity among agents, as they will have undergone the same types of training and be subject to the same policies. However, they may also lack creativity and innovation in the way they handle their accounts.

Also make sure that your agent is willing to have an ongoing relationship with you. If the relationship ends once the sale is made, you will be at a clear disadvantage. If your dialogue is a continuing one, you will be able to contact your agent if you have any questions or concerns. This could even include seeking help with a claim filing should the need ever arise. Take caution to choose an agent that is reputable and established. If your agent has been in the business for many years, chances are they will better understand the policies that they sell and be able to take extra care to ensure that you are properly protected.

Thorough deliberation is critical when shopping for the best agent. Treat the research process as your would if you were purchasing a new car or home.

It is important to secure the appropriate type and amount of insurance in order to properly protect yourself and your financial future. Thorough research needs to be done to make certain that you have purchased insurance coverage tailored to your specific circumstances.

Make sure that you pick a company that is highly regarded by consumers. You should also verify that any prospective agent possesses all necessary licenses and training.

You, your family and your finances will reap the benefits of the extra effort. A seasoned, skilled insurance agent is an invaluable resource for safeguarding your future.

Sunday, April 27, 2014 | htrnews.com

how to Buy a Diamond

The sparkle, the shine - it just can’t be replaced by any other stone.

Manitowoc’s Busiest Jewelry Store

Since 1927

Proudly serving the community for 87 years.

Buying a diamond can be stressful if you haven’t done your research. Your local jeweler can show you and teach you what you need to know when shopping for a diamond. How much should you spend? Choose a comfortable amount that you know you can afford. In the diamond world, the four Cs are known as cut, color, clarity and carat weight.

CUT Cut truly is the craftsmanship applied when cutting the facets of the stone. A well cut diamond sparkles beautifully. Cut can also refer to the shape of the diamond. Several popular shapes are listed below. • Round: The classic, traditional cut. The majority of diamonds sold are round. • Princess: Brilliant-style shape with sharp, uncut corners. Typically cut square, generally has 76 facets and has as much brilliance and fire as the round diamond.

Boelter’s offers rs a tra ttr trad tradition rradi ra aad adi ddiiit ition ttiiiooon n ooff quality and value, backed ack aac cck kkeeedd by by ffr frie fri friendly rien rrie ri ien iie een nddllyy service. n “We help lp peo ppe people eeop eo opl opl op pple llee ssa say...I ayy. ay y...I y.. ...........II LLove You!”

• Emerald: Usually a rectangular shape. The flat planes of the outside edges allow for a variety of side stone shapes. • Pear: A brilliant diamond based upon the round brilliant diamond. A typical teardropshaped diamond will contain 58 facets. • Radiant: a straight-edged rectangular or square stone with cut corners, 62-70 facets. • Marquise: A football-shaped diamond. • Oval: A very romantic cut.

COLOR

2101 Washington St., Manitowoc

WI-5001779269

Store Hours:

Mon - Thurs: 9:30 - 5:30 Fri: 9:30 - 7 Sat: Open at 9

682-7724

w w w. b o e l t e r s j e w e l e r s . c o m Sunday, April 27, 2014 | htrnews.com

The color of a diamond has the second biggest impact on its price, after carat weight. Diamonds are graded on a scale of colors ranging from colorless to light yellow. The scale ranges from D-Z, with “D” considered colorless. Colorless diamonds are typically the most valuable. Colored diamonds in natural fancy colors like pink, yellow, blue, chocolate, black and purple are becoming popular. White diamonds are the most popular.

CARAT A quality 1 carat diamond can be just as impressive as a 2 carat diamond if the clarity of the stone is better. However the size of a diamond does have the biggest impact on its price. The metric carat, which equals 0.20 gram, is the standard unit of weight for diamonds. A 0.5 carat is about 5.2 mm in diameter-width and 1 carat is about 6.5 mm in diameter width.

CLARITY Most diamonds have imperfections. Clarity refers to how clean or clear the diamond is . The clarity scale ranges from FL-13, flawless to imperfect. GIA Diamond clarity scale • FL-Flawless: No imperfections inside or outside the stone under the loupe magnification of 10 power. • IF-Internally Flawless: No inclusions under a loupe of 10 power magnification. • VVS1, VVS2-Very Very Slightly Imperfect: Small inclusions which are very difficult to see under a loupe of 10 power magnification. • VS1, VS2-Very Slightly Imperfect: Small inclusion which are slightly difficult to see under a loupe with a 10 power magnification. • SI1, SI2-Slightly Imperfect: Inclusions which are fairly easy to see under a loupe with a 10 power magnification, or visible to the naked eye. • I1, I2, I3 - Imperfect: Inclusions that range from eye visible to very easily seen to the naked eye. Before purchasing the perfect diamond, your jeweler should explain the maintenance of the stone to you. Diamonds worn every day should be checked by the jeweler at least twice a year. Another important aspect to consider is insurance. Many homeowners polices also cover diamonds. Insurance for your jewels should not be overlooked; your investment should be protected. According to local diamond buyers there are several things to be careful of when buying a diamond. Watch out for diamonds that have been enhanced, whether with color or clarity. Also beware of fake diamonds like CZs or Moissanite. Find a jeweler that you trust and that will provide you with a high quality diamond that meets your expectations. The Gemological Institute of America is an independent grading laboratory for the diamond industry. Search their Web site at www.gia.org for more information.

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Choose Windows

Selecting the right windows for a home or commercial building can be a daunting experience. Weighing the functionality, aesthetics, placement, cost and efficiency are all important factors affecting the final decision. When you understand the terminology used to describe various types of windows, your task becomes much easier. Here are the ones you’re most likely to encounter:

WINDOW GLAZING Glazing refers to the actual glass in a window. Older buildings and homes often have windows a single pane of glass within each frame. They are traditional but not very energy-efficient, a quality that most people now want. Most modern buildings feature double-glazed windows, those with two panes of glass in each frame. The space between the panes acts as a layer of insulation to improve the window’s ability to keep cold or hot air where it belongs, either inside or outside the building.

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UV FACTORS UV rays from solar penetration can wreak havoc on items inside a home or building by fading the colors of furniture and carpets. That’s why a window with high ultra-violet blockage is recommended, especially for people who live in hotter climates.

CASEMENT WINDOWS If energy efficiency is of the utmost concern, casement windows are the best option. The simple hinge-and-crank design diminishes air seepage. When wind pushes against the glass, the window seal becomes tighter, further reducing leakage.

Triple-glazed windows are sometimes installed in newer structures. While these lend additional insulation benefits, their cost is higher than their double-glazed counterparts.

Generally speaking, casement windows are hinged on the sides, while windows hinged at the top are known as awning windows and bottom-hinged windows are called hoppers.

R-VALUES

Hinged windows must be maintained properly, as the seal erodes over time. If left unchecked, continued erosion can render the window less efficient.

R-values describe a window’s ability to keep heated or cooled air where it belongs. An Rvalue measures the amount of heat lost through its glass panes. The higher the R-value of a window, the more efficient it is. An R-value of 3 is very desirable.

U-VALUES A U-value describes a window’s heat transfer coefficient. Don’t be alarmed by the fancy words. This means the level at which the window conducts heat. The lower the U-value, the better. People living in colder windy climates want to choose replacement windows with the best Rvalue and U-value ratings to conserve energy.

LOW-E Low-emissive, or low-e, windows are one of the latest innovations in the energy-efficiency market. Simply stated, low-e glass traps heat. Low-e is achieved by placing a thin metallic coating on the appropriate pane of a window. Indoor radiant heat is reflected back inside, reducing the burden on a building’s heating system. People who live in colder climates should consider seriously installing low-e windows as a complement to low U-value components. On the other hand, residents of sunnier regions can take advantage of low e-windows’ heat reflective qualities, too. Summer’s higher levels of infrared rays are reflected away from the interior of the home, keeping its interior cooler.

WI-5001776006

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OTHER FACTORS When there’s a large difference between indoor and outdoor temperatures, condensation will form on glass. That’s why you should choose a window appropriate for your climate. Where to place windows is something else to consider when building a new structure. If you intend to increase a structure’s passive solar efficiency, you need to consider the building’s position and location as they relate to the sun. Windows that face the south let in more heat than north-facing windows. Frames and seals can deteriorate more quickly when exposed to extreme temperatures. Windows using warm-air technology and adequate spacers reduce drastic temperature fluctuations, placing less strain on seals and farming. Before you begin a major window-replacement project, become familiar with your area’s building codes. If you’re lacking a required permit or two, you may have to pay a fine, removed the work that’s already been done and start over. Arm yourself with some basic terminology and concepts before you begin shopping for windows. It’s really less complicated than it looks. A little knowledge will help you make the right decision and prevent some future problems.

Sunday, April 27, 2014 | htrnews.com

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Call today for more information or a personalized tour of our living options on the Felician Village campus. (920) 684-7171 • 1635 S 21st Street, Manitowoc www.felicianvillage.org

Sponsored by the Felician Sisters WI-5001784479

Sunday, April 27, 2014 | htrnews.com

how to

Choose a Retirement Community

Retirement brings many desired lifestyle changes. Because of this, retirement communities are an option worth consideration. Cost is important but what housing and services are provided for the cost – the value – must be taken into account. Among the many features which should be evaluated are the variety of floor plans and the amenities that the community offers such as parking, services, dining, activities and location within the city.

community provides residents with the opportunity to participate in activities off-site such as visiting museums and trips to the movie theater. MEDICAL FACILITIES

Conduct research prior to choosing a facility so that you can determine where the closest hospitals, doctors, ambulance Check to see that service and medical there is adequate The seniors of technicians are located. parking and ask You should also choose today are highly if inside parking a community which is health conscious. is available. This close to your personal They wish to is particularly imphysician. portant in colder remain active after climates. The maDINING retirement with jority of seniors activities such as There are many difwho have families exercise classes ferent dining plans at also require visitor and walking paths. retirement communiparking which can ties. Be sure to check become a probif some or all meals are lem when space is provided, how the dininadequate. ing program works and if residents REGULAR ACTIVITIES are able to cook their own meals if desired. The seniors of today are highly health conscious. They wish to re- CHURCHES, LIBRARIES AND main active after retirement with SHOPPING activities such as exercise classes and walking paths. An on-site fit- Seniors typically prefer to live in ness center is also important. It is less congested, quiet areas for their essential to ensure that these fea- retirement. Because of this, you tures are present within the com- should check the amount of traffic in the area surrounding the community. munity. Other activities may include Wii bowling, chess, holiday events and You should also know where the arts and crafts. Participating in ac- libraries, churches, grocery stores tivities within the community can and other shopping centers are also improve the social life of the located as well as the locations residents. Ask about entertainment for public transportation. You also want to ask if the community proand social events for residents. vides its own transportation for loYou also want to see whether the cal trips.

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If t

how to

Find the Right Shoes

... its

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h o S e e F

Shoes come in thousands of shapes, sizes, colors, and styles. So not only do shoes protect our feet, they also give us a means to show off our personal style and personality. Here are some tips from the National Shoe Retailers Association and the Pedorthic Footwear Association.

It Sure Makes Life Easier

We’ll Make Sure They Fit Great

Shoe sizes are not standard. They can vary “ball”) fits comfortably into the widest part greatly between shoe brands and styles. A of the shoe. This permits shoes to bend size 8M from one manufacturer might fit where your feet flex, giving you a more like a size 8 ½ N from another. Start with functional and more comfortable wearing the size you most frequently wear, but then experience. try on several pairs of difHeels should fit comfortferent sizes to see what ably in the shoes. Don’t feels most comfortable. It buy shoes too small just helps to bring along socks Shoes express to avoid heel slippage. If of a weight that you will your foot has excessive your fashion sense usually be wearing with slippage in the heel of the shoes. Dress socks and affect your your shoe, try a different will produce a different fit health, not just shoe, or ask your shoe fitthan athletic socks. your feet, but your ter to make some minor One size isn’t necessarentire spine and adjustments. An impropily two. Have both feet erly fitting heel can cause posture. measured every time you blisters. purchase a pair of shoes because, over the course Inserts or orthotics affect of your lifetime, your feet the way a shoe fits. These will change in both size and shape. For take up shoe space intended for your feet. many people, one foot is slightly longer If you require inserts or orthotics, you’ll and/or wider than the other, so fit the larger need a roomier shoe; otherwise, the inserts foot first. can’t function properly and your shoes won’t fit right. Look for shoes that match the shape of your foot. If your foot shape matches your shoe Choose shoes appropriate for the activshape, you’re on the right track to good ity AND the time you perform that activshoe fit. Many shoes, especially women’s, ity. Feet change shape and size during the can be very pointed toward the tip, which day AND under different conditions: after works for some but not for others. exercise, in warm weather, sweating, with

WI-5001789085

Try on various types and styles. Judge shoes by how they fit your feet. Don’t select any style that feels too tight, too loose, or irritates parts of your foot. If shoes feel too snug or too loose at the try-on stage, your feet may hurt later on.

8

Hours M-Thurs. 9:30-5:30 Fri. 9:30-7 Sat. 9-4 Sun. Noon-4

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www.shopschroeders.com • 793-2241

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Shoes should be as wide as your feet, and longer. When shoes contact the ground during walking or running, feet elongate. Allow adequate space (3/8” to 1/2”) at the end of the shoe for your longest toe. Make sure the widest part of your foot (the

weight gain, or from sitting to standing. When shoe shopping, remember that your feet are generally larger after an activity than preceding it, so buy accordingly. Walk in the shoe to make sure it feels comfortable. No need to do a marathon run while trying on shoes, but at least take a walk around the store. Shoes express your fashion sense and affect your health, not just your feet, but your entire spine and posture. They also must fit your various activities. So choose wisely.

Sunday, April 27, 2014 | htrnews.com

how to

Choose a Financial Advisor Finding the right financial advisor for your situation is essential for your financial health. Think of it this way: Choosing a financial advisor who’s right for your specific financial situation is similar to choosing the right nutrition program for your specific body type.

Our Mission is to...

Create quality relationships for a lifetime with

individuals, families and businesses. We will advise our clients and make recommendations with appropriate products and services, supported with honesty and integrity.

With Integrity on your side, you can live life secure today and tomorrow. We work with you to identify your unique needs and develop a plan that ensures your security.

Randy Behnke

Financial Advisor Capital Financial Services Inc.

Financial Planning Insurance Portfolio Management Life Insurance Investment Advisory Long-Term Care Insurance Estate Planning Disability Insurance Annuities Funeral Expense Trust Retirement Planning 401 (k) Rollovers IRA/Roth IRAs

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Sunday, April 27, 2014 | htrnews.com

THINGS TO KEEP IN MIND

RATE OF SUCCESS

Since not every diet program is suited for your specific health and wellness needs, not every financial advisor is suited for your financial wellness needs. You want to be able to rely on your financial advisor’s advice when it comes to trimming your expenditures and what to do to save for retirement the same way you rely on your doctor for keeping your body trim and fit.

Take a look at the rate of success each potential candidate has. Has the rate of return of his recommendations outpaced the average market rate of return over the last year, five years, or ten years? One indicator of a solid rate of return is how well a financial advisor conducts research to strengthen his clients’ portfolios.

Be sure to do your homework before starting a relationship with a financial advisor. Before making a choice, perform a background check on the financial advisors on your list and review their credentials. Your financial advisor must have the necessary training from an accredited institution and the prescribed certification for your state in order to be a true financial advisor. Ask yourself the following questions: • How many years of experience does the financial advisor have? • Have any complaints been filed against the financial advisor? • What awards, if any, has the financial advisor received? • Can the financial advisor provide concrete proof of a satisfied clientele? Answers to these questions are key when searching for a financial advisor who will meet your specific needs.

AREAS OF EXPERTISE There’s a complete buffet of financial products that can contribute to your financial well-being. Everything from bonds to mutual funds and commodities to stocks are common investing tools. However, depending upon your appetite for risk, some investment vehicles are better for your portfolio than others. You want to find a financial advisor who’s an expert in customizing a financial plan for your benefit, not for your detriment. Consider the specific segment of the market in which you want to invest your money. Look for a financial advisor specializing in that particular investment type. For example, you might want to invest in the commodities market. If your potential financial advisor has little experience in the commodities market, consider a different choice on your candidate list.

Here’s where experience plays an important role. This is especially important in tough economic times. How well has your financial advisor-candidate weathered past economic recessions for his clients? Do his clients continue to thrive in a bleak financial environment? On the other hand, have his clients experienced multiple hits to their portfolios? That’s why an advisor’s success is well worth your consideration.

FEES OR COMMISSIONS? Ask your financial advisor about her compensation. Is she fee-based or commission-based? That will make a difference in your final selection. After all it’s your money you’re investing, not your financial advisor’s money. A commission-based advisor is more apt to suggest financial products that favor her compensation. Such a situation could needlessly increase your exposure to market risk. Only go with a commission-based advisor if she has a proven track record of success and has your best interest in mind. If you feel the need to guarantee that your best interest will be served, go with a fee-based advisor. A fee-based advisor is compensated only for the time spent on servicing your portfolio.

INTERVIEW Finally, make arrangements to meet the top candidates on your financial advisor list. Get a feel for how the financial advisor will treat you as his or her client. Will he act condescending toward you and your ideas? Will she have the heart of a teacher when addressing your concerns? A good way to do that is to ask direct questions regarding experience, services and financial products offered, and the fee schedule. How your financial advisor-candidate answers your questions will give you a solid idea of which one is right for you.

how to guide

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how to guide

Channel selection, quality, availability and cost of programming are among the strong points for satellite programming. It offers more channel selections than overthe-air broadcasts and can offer more programming than cable TV. Satellite TV Satellite TV is a paid TV service. Like cable TV, it uses a series of communication satellites orbiting the earth to send signals directly to subscribers’ households through an installed satellite dish. This type of programming virtually eliminates the “middleman” and delivers clear, crisp signals directly to your house. Channel selection, quality, availability and cost of programming are among the strong points for satellite programming. It offers more channel selections than over-the-air broadcasts and can offer more programming than cable TV. Satellite TV is available anywhere, even in undeveloped areas. Local channels are also available in programming packages as well as HD channels. Satellite TV requires the installation of a satellite dish somewhere on your property.

What to look for in your television provider When considering a provider for your television service, pay attention to these points.

Know Your Provider • Television is important to you. A local television provider can respond quickly when

service is needed and they’ll know how to service your unit.

Know Programming Packages and Costs • It is also important to consider the packaging and channel selections when choosing your provider. As stated above, not all providers have the same channel selections nor offer the same prices. • Make sure all costs are noted up front. Many providers have hidden fees and surcharges. Cable and satellite providers offer different packages depending on channel selection and quality of programming. There is a programming package that is right for everyone!

Know What the Provider Offers It is important to know the benefits the provider offers. What hours during the day are they available? Weekends? Holidays? Will they service your installed units? Providers should not only provide you with service, but also be available for any question s you might have. Select a provider that not only offers the programming that is right for you, but also services it, is local and trusted, and will be there when you need them most.

Sunday, April 27, 2014 | htrnews.com

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how to

Choose a HVAC Company In the summer, there seems to be nothing more important than good air conditioning. In the winter, nothing is more important than an effective heating system. The key to getting great heating and air conditioning service is finding the right HVAC company. It’s been said that an HVAC company is like a spouse. Good ones are helpful, reliable and there for you in your times of need, whereas bad ones will cost you a lot of money, cause you many headaches and put you in uncomfortable situations.

the American Society of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, and the American Society of Heating, Refrigeration, and Air-Conditioning Engineers. Belonging to one of these organizations shows that the company you’re considering knows their business.

Word of mouth will provide the best recommendations for an HVAC company. Ask your family and friends who they’ve had good experience using. When you hear the same name more than once, that’s a good sign.

Make sure to check for proper permits. An HVAC company getting the proper permits can save a homeowner many headaches. Load calculation is another thing that will save you from plenty of problems in the future.

Make sure that you let the company know that they were recommended by people close to you. This will let them know that they need to do a good job or other customers will hear about it and maybe consider taking their business to another company. When researching any sort of company, you’ll want to check with the Better Business Bureau. For an HVAC company, check with your state’s board of contractors. You can also check the local mechanical inspection office to be really thorough.

Ask the difficult questions What are their prices? Do they offer a guarantee or warranty?

What are their usual turnaround times? What manufacturers do they use?

It’s a good idea to have a load calculation performed before installing a new system in any building. The company that you select should be willing to do so. There are HVAC companies that will use a general rule of thumb to size the necessary equipment instead of double checking, and some companies will just install the same size of equipment as equipment that is being replaced.

You want to make sure any company you use is reputable. Unfortunately today many are not as reputable as we’d like to think.

These methods can cause unnecessary problems for you. Many times you don’t know if a load calculation was done when the first system was installed and changes in the building have probably taken place over the years.

You’ll also want to know if the company has insurance and is bonded for accidents that are likely to happen occasionally. This can save you from having to file a claim on your homeowners insurance should any mishaps take place that cause damage to your property during the installation.

A system that’s too big will be inefficient and cause big problems. A system that’s too small won’t be able to heat or cool the larger area. When you have the system that is installed to fit the needs of the building, you will save money and be much happier.

HVAC companies that are quality businesses will usually have a membership in a reputable professional organization. Some well-known organizations include

Following this advice will help you find an HVAC company that will help save you some money and leave you satisfied with their work.

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how to

Roorbach Flowers is your local Flower Shop serving Manitowoc Choose a Florist County. We have flowers and plants Any event looks better when flowers are incorporated into the decorations. Whether it is a wedding or a corporate dinner, the right for all of life's occasions: flowers will help set the tone for a well planned activity.

Weddings and other formal events

Research the Florist After you have hired a venue, talk to the staff there and see if they have any recommendations on who they love to work with. They will often tell you of some florists that they particularly like. Popular florists fill up their calendars quickly, so make sure and check with them early.

Funerals and sympathy flowers or plants Birthdays

Another great place to get suggestions is from friends and family. Ask them what florist they have worked with and what they liked or hated about the florist.

Anniversaries

Narrow your list down to two or three florists who appeal to you. Then start interviewing them.

Holidays such as Mother’s Day, Valentine’s Day, Sweetest Day, etc.

A great way to work with a florist is to find suggestions in magazines that you love. Clip out these photos and put them in a notebook with notes about why you like these flowers. Call the florists to see who is available for your date. If the florist is not available, drop them from the list. For those who are available, set up a time to come talk to them. Telling them your estimated flower budget will allow them to prepare suggestions before the meeting.

Or to send a message such as: Thank you, Get Well Soon, or Congratulations

Interview the Florist

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www.roorbachflowers.com

how to guide

920-682-6331 961 S. 29th St. (S. 29th & Custer) Manitowoc

When you enter the shop, you should be very observant. By watching the cleanliness, organization and friendliness of the store, you will be able to achieve a good impression of how the florist will act when working with you on a personal basis. All the flowers in a store should be wellwatered and attractively arranged. Employees should be attentive but not pushy, and there should be a large variety of different floral arrangements present in the storefront. During the meeting, ask if the florist has worked in your venue before. Venues can have strange rules about what they allow in their location. Finding a florist that has worked in the location before assures you that they know those rules and are able to adhere to them.

Since the florist should already have your budget from your phone call and ask them for their suggestions. The florist should be able to give you numerous suggestions of what flowers to use. The flowers should be those that are locally in season when your event occurs. Have the florist show you photos of arrangements she has made in the past. Each florist has their own personal flair. Most event planners will find that they connect better with one florist than another. Show the florist your notebook. Discuss what arrangements you like and why. See if the florist thinks they can produce similar arrangements. Ask the florist about other professionals they would recommend. You want each of your professionals to get along well with each other. A relationship between your caterer and your florist is especially vital. Once you have determined the florist that you want to work on your event, it is important to nail down the specifics. You should know exactly what type of arrangements the florist may make even though you may not know exactly the flowers that will be used. You should also know when the flowers will arrive at your venue and who is responsible for placing the flowers on the tables. Know when payment for the flowers is expected. Be sure you understand all the specifics on the contract before you sign anything.

Get it in Writing Finally, sign the contract. Trust the florist to deliver the flowers as promised. If you are pleased with the company’s work, then you should feel free to assist the shop with positive references and reviews of your very own. Using flowers to decorate enhances any event. Make sure to rely on a professional florist to perform this valuable service. The wonderful colors and beautiful aroma will aid everyone’s enjoyment of the day.

Sunday, April 27, 2014 | htrnews.com

FEEL GOOD. LOOK GOOD.

920-553-2200 • 1705 East Street, Two Rivers WI 54241

how to

Choose a Pet Groomer If you like to hug your dog or cat – and who doesn’t – you know that snuggle time is more enjoyable when your pet is clean and groomed. Grooming is one of the responsibilities of owning a pet. All pets need baths and nail trims to stay happy and healthy. Certain breeds need regular haircuts and special treatments to stay looking spectacular!

If your dog or cat deserves the very best, we invite you to try the Pet Nirvana experience. You’ll find we provide the highest level of personalized care for your pet. No cages, no drugs, and a low stress environment. Lots of love and attention. You’ll feel the difference and so will your pet. We offer top-rated natural foods and treats, healthy supplements, homeopathics, safe toys and a variety of pet accessories. Our pet pampering services including full service grooming and therapeutic pet massage.

Make an appointment today

and find out why Pet Nirvana is such a special place. Your dog or cat will love the experience. We promise.

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A skilled groomer, also called a pet stylist, can bring out the best in your pet. Groomers work in pet salons, pet stores, and veterinary offices. Some work out of their homes. To find a groomer, you might search in the newspaper, yellow pages, or online. You can also ask your friends to recommend a groomer. Before making a grooming appointment, visit the groomer’s place of business so you can meet them and see first-hand how they operate. This is the best way to determine if a groomer will be a good match for you and your pet. Here are five things to consider when choosing a groomer.

1: Caring and Competent Staff Your primary concern should be how the grooming staff will handle and treat your dog or cat while in the salon – particularly if your pet is sensitive, shy, or has special needs. Observe how employees interact with the animals under their care. Kindness and patience goes a long way to help reduce any stress your pet might feel. Trust your instincts. You should feel comfortable asking about grooming services and explaining exactly how you want your pet to look so that there are no surprises.

WI-5001780825

2: Clean and Safe Environment

Sunday, April 27, 2014 | htrnews.com

Look around the facility or ask for a tour. The grooming area should look and smell clean. Pay attention to where the dogs and cats are kept while waiting for your return. Be sure your pet will be in a safe, secure environment. Ask questions. Will your pet be caged, and

if so, for how long? Will your pet come in contact with other animals? What will happen if the groomer gets called away for an emergency?

3: Variety of Grooming Services Some groomers prefer to work on certain breeds. Ask if the groomer has any restrictions or will accept dogs of any size and breed. Also ask if they groom cats or other small companion animals. The simplest grooming typically includes brushing, shampoo, blow-dry, and nail trimming. A full service groom might also include trimming the fur on paws, legs, or ears. Certain breeds require hand stripping or clipping over their entire body. Be sure you understand what is included in any grooming package you select. Some businesses offer additional services like brushing, de-matting, flea treatments, and anal gland expression. A few offer a premium pet pampering services such as nail polishing, ear and teeth cleaning, facials, and therapeutic massage.

4: Convenience Look for a business located in an area that is convenient for you. Check the hours of operation. It should be easy for you to schedule an appointment, and there should be parking available when you drop off and pick up your pet.

5: Cost Grooming options range from self-serve pet washes around $10-15 dollars to full service professional grooming that can cost $45-$75 and up depending on the size, breed and work involved in the service. If you’re not sure what services your pet needs, talk to the groomer or staff. They can explain what is best for your pet and maintenance services that can help keep grooming cost down.

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how to

Choose Cremation Services 925 South 14th Street Manitowoc, Wisconsin

Cremation is becoming a popular part of the American funeral. While so many people are seeking more options for meaningful funeral services, they’ve realized what cremation can offer, especially within the context of a ceremony.

New Tradition in Funeral Service

Crematory and Reception Center allcarecremationcenter.com

We invite you to learn more about cremation options. Our family center provides a wide range of services to our families that we serve. We are able to provide an area not only for visitation and or services, but a facility that can host luncheons and receptions. Please contact us for information or to schedule a tour of our facility. Our caring, professional staff will be able to assist you with the next step, and answer any questions you may have.

684-4642

775-4433

793-1396 WI-5001785683

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how to guide

Cremation serves as a dignified and powerful method of commemorating a life worth celebrating, an important first step in the healing process.

the remains for memorialization. How you can continue with the memorialization process is limited only by your imagination.

What You Should Know About Cremation Memorialization Options and Cremation

Other Cremation Issues Cost of Cremation Services

The cost of cremation varies depending on the services and products selected Families are realizing there are many by the family. Funeral homes should options and much flexibility surroundprovide in itemized ing planning for crelist including the costs mation. Some families of these services and Cremation serves choose to have a viewproducts they offer. ing or a funeral service as a dignified and Making funeral plans before the cremation. powerful method in advance is helpful Others choose a meof commemorating because, in addition morial service at the a life worth to easing the planning time of cremation or celebrating, an process and allowafterwards with the important first ing family members to urn present, or even step in the healing know you wishes, plana committal service at process. ning ahead gives you the final disposition of a sense of the actual cremated remains. Ofcosts associated with a ten, funeral or memorial services can be held specific type of service. in a place of worship, a funeral home, a crematory chapel or even at a place of Another Form of special significance to your loved one. Remembrance Likewise, cremated remains can be inCremation does not – and should not terred in a cemetery plot or in a cremation niche in a columbarium. They can – take the place of a funeral service. also be retained by a family member or Like burial, it is merely another form of scattered at a meaningful location that disposition. However, by considering can be appreciated by future genera- all your funeral options, you’ll find the tions. (It is always advisable to check cremation can be an important part of for local regulations regarding scatter- the commemoration process. It helps ing in a public place.) Cremation is just loved one to share grief, celebrate the one step in the commemorative pro- life of the person who died and find cess – an important step in preparing healing in remembrance. Sunday, April 27, 2014 | htrnews.com

how to

Achieve Great-Looking Skin Think fine lines should be quoted — not appear on your face? A simple and effective daily program with TimeWise® skin care can help reduce the appearance of fine lines and wrinkles. So skin looks firmer. And feels softer. In 30 days, see a younger-looking you! Contact me to experience TimeWise® for yourself.

With the Mary Kay TimeWise Miracle Set 83% of Women had a reduction in fine lines and wrinkles Up to 25% improvement in skin elasticity 100% had softer, more supple skin 46% improvement in more even skin tone

Caring. Connecting. Community. A wise woman once had a dream to change the lives of women for the better. Her hope was so contagious that, one person at a time, her dream spread around the world. Today, nearly 50 years later, millions have been touched by the legacy that Mary Kay Ash left. I’m proud to share in her commitment of caring and connecting in communities — just like ours — to help make a difference.

Having great-looking skin has a start, a finish, and any number of elements in between, depending on your personal situation and what you want to accomplish. Following are a few key areas to focus on and how to achieve the results you want. OVERALL No matter what your approach, you’ll want to take into consideration these five steps to healthier, cleaner, younger skin: Cleanse Exfoliate Freshen Moisturize Protect It takes more than one product to achieve beautiful skin. As part of a daily skin care regimen, these five steps work in harmony to synergize the effects to produce a vibrant, healthy skin.

Spring Skin-Savers – When you step out in style, don’t forget to keep skin beautifully protected with SPF protection. LIPS Fresh coral lips are the perfect complement to a simple spring look. Pair with Lip Liner – If you prefer defined lips or want to prevent lip color from straying outside your lip line, try clear lip liner.

FOUNDATION

EYELASHES

Dot a little foundation on your forehead and along your cheekbones and blend in an upward and outward motion. Finish by softly blending downward to put any fine hairs back in place.

Thicker, longer eyelashes are always the goal. They open the eyes and have really become a trend.

Less is more. You can always build additional coverage with a second layer if needed. Apply with a light touch to avoid rubbing any concealer you’ve applied. Pay attention to the jawline and hairline so as not to leave a “mask line.”

Tina M Kocourek

Consider including eyelids for a consistent base tone throughout the face.

Independent Senior Sales Director marykay.com/tkocourek (920) 686-7557

Make sure the skin is flawless before going for a fresh look. Use concealer and a facial highlighting pen. Then

Sunday, April 27, 2014 | htrnews.com

highlight the cheekbone and brow bone to make the face seem more multidimensional and avoid a completely matte look.

It is important to have mascara on upper and lower lashes. With such bright shades, you can avoid looking washed out with more mascara. CHEEKS Try a C-shaped cheek. Straight from the catwalk, rethink your usual application by sweeping your cheek color from the apple of the cheek, along cheekbone and finishing at the temple to create a C-shape. This trick makes the face appear fresher and more youthful. To avoid over applying to temple area, just apply what is left on the brush after the cheek application to the temples.

how to guide

15

Spring into a beautiful smile Spring is the time to refresh your smile and there is no better way than with Invisalign. If you’ve been putting off straightening your smile now is your chance to have the straight, beautiful smile you deserve without anyone knowing you’re making a change. Experience small town service with big city technology & experience!

how to

Choose a Dental Provider A perfect smile gives an impression of confidence, health and happiness. Even when happy, some people resist smiling, or they cover their mouth with their hand, because their crooked teeth embarrass them. The top reason for seeing a dental professional or orthodontist is the same for adults and kids - to treat malocclusion, or a “bad bite.” A good dental professional provides a treatment regimen customized to each individual and delivers through compassionate service. There are several traits the best dentists and orthodontists all share. Wordof-mouth recommendations from neighbors, friends and coworkers provide some of the best information on the providers that you’re considering. People who have had a positive experience while sitting in a dental office are usually eager to spread the good word.

SERVICE Exceptional service is one of the prime requisites when searching for a provider. You’re going to be visiting him or her regularly and when treating with orthodontics, more frequently for a year or more. It’s wise to find a dentist with whom you can build a relationship based on trust and mutual respect. People lead very busy lives these days. A dental professional who schedules his or her appointments to reduce waiting time is a treasure. Hold out for one who respects your time schedule, too.

544 Fairway Drive Brillion, WI 54110 (920) 756-5339 www.romeneskodentistry.com

WI-5001785739

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how to guide

Having a doctor who listens to your questions and provides clear answers is a necessity. You should not be just a number on a patient file. A good dental office regards you as a valued client and treats you accordingly. Dental assistants and Hygienists are active and contributing professional members of your treatment team, so it is wise to form good relationships with them as well. They perform a number of important treatment phases and have undergone rigorous training supplemented by continuing education classes. They are true professionals, not the hired help.

TECHNOLOGY There are several orthodontic options for straightening teeth. Ask your doctor during your first visit about which technologies he utilizes and his experience with each. Ask your doctor questions about the technology. Your doctor should explain the trade-offs between one option and another. Each system has its advantages and disadvantages. Ask him to explain why he or she prefers one method over the other. There are always advances being made in orthodontic procedures and the patient is the one who really benefits.

TRADTIONAL VS. CLEAR ALIGNERS Orthodontic patients are unique from one another. Some have teeth that are more crowded than their neighbor’s, while others have special individual needs. A good provider will advise you of your best choice between traditional braces or a newer treatment option such as Invisalign® clear aligners. Clear aligners are custom fit to each patient and provide a gradual alignment to correct malocclusion, or a “bad bite.” The popularity of Invisalign ® is due to several factors: it is proven to effectively treat a wide variety of cases, including crowding, spacing, crossbite, overbite and underbite. Clear aligners are removable letting you eat the foods you enjoy. The removable trays allow you to brush and floss as you normally would allowing for better periodontal health. There is less irritation with clear aligners than traditional braces as well as fewer visits during your treatment. Your provider will help guide your choice in which system you opt for. Orthodontia is a significant investment not only of time and money but also of self-esteem. The right combination of education, certification, experience, personality and technology ought to make your treatment an enjoyable experience and worthwhile.

Sunday, April 27, 2014 | htrnews.com

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Choose a Builder Building a new home can be a daunting task. A number of issues can come up during the process, which is why choosing the right builder is essential to having a finished home that you can truly appreciate with a minimum of unexpected expenses and construction headaches along the way. There are many key factors in choosing the right builder. Start by asking friends and neighbors for recommendations. When it comes to construction, word-of-mouth is a great way to find out information. When asking someone about the experience they had with a building project it is important to be specific. Things to ask about include if they started on time, had any delays (other than weather), kept costs within budget and finished when they were supposed to finish. It is also important to ask if the crews were professional and cleaned up once the project was completed.

With 40 collective years in the building and home improvement business, Owners Carl Hlinak, Todd Stelmach, and Michael Johnson are passionate not only about their work, but also about making sure clients are well informed and confident that the work is being done right to remove as much stress as possible from the building process. In business since 1993, Certified is a general contractor for residential projects including new construction, additions, garages, and interior and external renovations of all types.

WHAT MAKES US

WI-5001777361

We make every effort to have at least one of the three owners on site at all times to make sure your project runs smoothly from start to finish. Our attention to detail begins at our first meeting and follows through until long after you are in your home.

1380 N. 30TH STREET | MANITOWOC | P 920.686-0800 WWW.CERTIFIEDBUILDERSLLC.COM

Sunday, April 27, 2014 | htrnews.com

ers, set up meetings with them.

It is recommended to meet at the site of the building to give them an idea of what is required and to bring blueprints. Ask each builder to bring photos of work they have done. Prepare a list of questions. Ask how much of the work is done by their own crews and how much, if Ask if the builder will any, is subcontracted. oversee the work

on a daily basis or if they have a project manager who will do this. This applies even if the work is subcontracted.

Ask if repairs had to be made after the project was done. Some minor issues are expected, but if there are repairs or minor touch-ups that had to be done, ask if they were handled quickly. You want to make sure they have good followup service. This is a question you want to ask to past customers, who are likely to be more honest about it. It’s a good idea to drive by homes the builder has worked on in the past. You might want to do so on the weekend, that way you can talk to the home owners and ask questions. Take a notebook with you with questions you want to ask and write down their answers. It will be easier to review your notes later and make a final decision. Don’t be afraid to ask any questions. Even questions that seem insignificant can yield important answers. Ask the builder you are considering for references. When you contact the references ask the same questions. It is also a good idea contact your local Better Business Bureau and Home Builder’s Association. Once you have compiled a list of three of four possible build-

Most builders will frame a house. Anything beyond that point is usually performed by other companies. Ask ahead of time how far they will go with the project and who twill do the excavating, siding, roofing, insulation, cooling and heating, etc. Some builders will subcontract out the work for the entire project, which means dealing with many other companies. If they do this, ask which companies they work with. Ask about the quality of materials used and for an estimate of the total cost involved. Ask if the builder will oversee the work on a daily basis or if they have a project manager who will do this. This applies even if the work is subcontracted. You want to make sure that any possible problem is noticed and addressed quickly. If a problem is left undetected until the project is complete it could be very costly to correct it. It is generally much easier to catch a problem early on and correct it while the initial building process is still going on. Make sure the builder is open to questions and is good with communication. While choosing the right builder may take some time, in the end the efforts of being selective will result in satisfaction with the finished project.

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how to

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Choose a Handgun Choosing a handgun, whether for home defense or concealed carry, is a decision which takes a lot of consideration, a lot of shopping, and if you’re new to the market, probably a lot of talking to merchants and other gun owners. Being properly informed is your first step on the road to responsible gun ownership.

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SIZE AND CALIBER Whatever your level of ability, there is usually a handgun on the market that will fit your needs, both technically and physically. It’s a good idea to always make sure you physically shop for a handgun at some point, regardless of how you intend to buy it. Pistols comes in many shapes, sizes and calibers, and the choice might seem a bit overwhelming. The first thing you should consider is size. If you aren’t going to be carrying the pistol on your person, a larger framed pistol will serve you just fine. You’ll be able to hold more ammunition in the magazine, and your recoil and sighting will be much more manageable. If you’re trying to find a handgun to carry concealed, a smaller pistol will serve you better. While you won’t have the weight to help absorb recoil, or the longer sight plane, you won’t have to worry about it nearly as much. Most concealed carry guns are designed to be used at close ranges, as well as remain hidden when not in use. Caliber is an important consideration as well. Larger caliber weapons will deal more damage with every hit, but at the cost of recoil and size of the weapon. While your objective shouldn’t be to kill an attacker, you’ll want to choose a large enough caliber to put a stop to any threat you might face. Smaller calibers will work better for novice shooters and those who need a smaller weapon outright.

OTHER THINGS TO CONSIDER

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how to guide

Phone 920-684-4501

There are a few other important decisions to make when it comes to choosing your handgun to make sure you’re buying the correct weapon. First off, you should be able to operate the weapon easily and without complication. Take time to learn about the gun you choose, and make sure you know about loading, firing and switching the safety on and off before you attempt to use the weapon. When it comes to handguns, there are two varia-

tions: the automatic and the revolver. The automatics are the typical clip-fed modern handgun and usually come in smaller calibers, also known as “auto calibers.” Automatics are complicated machines and can be trickier to clean and operate than a revolver, but they make up for it by being fast to fire and easy to reload. Revolvers are much simpler machines and have been around a lot longer than automatics. They have a wider range of calibers available, are easier to clean, but firing speed and reload time is significantly reduced. A revolver is a good option for a beginner, but there are good automatics for novices as well. It is more important to have a gun with pointand-shoot accuracy instead of sighted accuracy when it comes to self-defense. If you are being assaulted, you are probably not going to have the need to draw a bead on your attacker, nor will you have the time. When you’re shooting for self-defense, you’re usually firing fast and instinctively, so it’s good to have a gun that reflects your firing style.

WARNINGS As with any weapon, be familiar with the use and care of your gun before you attempt to deploy it in a self-defense maneuver. Spend plenty of time with your weapon at the firing range and become familiar with the limitations of your weapon. Responsible gun ownership starts with gun safety. Always make sure you are handling your weapon in a manner that is safe for you and those around you, and never leave your pistol where children can get their hands on it. Always treat the weapon like it’s loaded, and never point at anyone you don’t intend to shoot. If you have further questions, your local gun shop will be the place to get answers. Most of the time the staff is very passionate about their trade and will be more than happy to help you select a weapon within your price range and abilities. Remember to ask plenty of questions, and if you don’t quite like the answers, feel free to ask other gun shops or gun owners.

Sunday, April 27, 2014 | htrnews.com

Your Lawn & Garden Professionals

how to

Choose the Right Landscaper Are you looking to improve the appearance and value of your home? Choosing a high-quality landscaper may be the right option for you. Landscapers and the landscaping companies they own or work for provide a wide variety of services for their clients, and finding one that offers what you want for your home — at the right price, of course — is essential.

home, you may need to hold off on the top-notch sprinkler system you want to install. If the irrigation system is a must, you may need to limit the number of times you have your lawn mowed each month.

How can you be sure you’re choosing the right landscaper?

Don’t get discouraged, however, if your budget for landscaping looks a little tight. You’ll find that some landscapers charge less than you might expect for these types of projects in order to get your business.

KNOW WHAT YOU’RE LOOKING FOR

Our experienced specialists can handle your landscaping needs, including... • Lawn Maintenance

• Fertilome Products

IDENTIFY WHICH SERVICES YOU NEED

• Lawn Seeding & Sodding • Tree & Shrub Planting • Wood Mulch • Retaining Walls • Decorative Stone

• Lawn Ornaments • Sprinkler Systems • Annual Flowers • Perennial Flowers • Brick Patios & Walkways

Make a list of your specific needs and decide which services you will require from the landscaping company you hire. Most landscaping companies offer the following: weekly or monthly lawn and garden maintenance, weed control, tree pruning and shaping, garden installations, inspection and maintenance of irrigation systems and possibly even the construction of retaining walls or other structures.

- Mowing, Fertilizing, Dethatching, Pruning & Aeration

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When you start to think about hiring a landscaper, look at your neighbors’ lawns and gardens and look through landscape and garden magazines. This will help you find ways to express how your lawn to look and to identify the types of plants, trees and flowers that might best fit your landscape.

Hwy 147 between Two Rivers & Mishicot 755-2495 or 755-4941 Hours: M-F 9-5 • SAT 9-5 • SUN - CLOSED

Sunday, April 27, 2014 | htrnews.com

You may want a landscaper who will mow your lawn regularly but find that having someone who prunes the trees is more critical. Be sure to identify which services you need and which you want. Then you’ll be ready to begin searching for the right landscaper.

KNOW YOUR BUDGET Cost is always a major consideration when hiring a landscaper, and the best way to stick to a budget is to set one. Be sure you know how much you are willing to pay for the landscaping services you need and what you can afford and are willing to spend annually on your landscaping. This will help you to determine which services on the list you created are truly necessities. In order to stick to your budget, you may need to make sacrifices. If you need to have a new landscaping wall built in order to protect your

GET REFERRALS Word of mouth is a great form of advertising, and a good landscaper will come with excellent recommendations. If your neighbors have been using a service and you like what you see, ask them which company they are working with — and ask them about the pros and cons that they see with the services. If your friends or family use a landscaper, seek their advice as well. You may also want to do an online search for local landscaping companies. No matter what, check the BBB and the Internet for consumer reviews of the companies you find. If you see many negative reviews for one company, it may be better to move to the next one on your list.

CONSIDER AVAILABILITY One of the first questions that you should ask any landscaper you interview is when they will be able to complete your limited-time projects and how often they will be available for maintenance. If you want to be home when the landscaper is working, be sure that they work in your area when you can be there. You’ll also want to address other questions you have. For example, if your community has noise regulations, ask each landscape company what they will do to adhere to them.

IN SUMMARY Finding the right landscaper for your needs takes a knowledge of landscaping techniques and confidence in the company you hire. Know your needs, ask for referrals, and do your research as thoroughly as possible to make sure that you choose the right landscaper for your needs.

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Find out why people...

Think of Us First First he took me around the block, then he took me around the world. It was romance then and it’s romance now. Our apartment at Laurel Grove is almost like living at a resort and, when the kids come, we have family dinners in the family dining room . . . but I let the kids cook.

A Continuum of Care

Responding to the needs of our community with affordable and respectful care for over 60 years. Look to us for rehabilitation, assisted living and long term senior living services.

Call Theresa Patrick for a tour (920) 682-8254 Specializing in Senior Living Services www.shadylaneinc.com

1308 South 22nd Street, Manitowoc, WI

Manitowoc’s only not-for-profit citizen directed care facility. WI-5001782686

20

how to guide

how to

Choose an Assisted Living Facility When the raking becomes too much, the shopping a chore and the upkeep of a home begins to overwhelm you, it may be time to begin thinking about moving to an assisted living residence. And, when your children begin to worry about you being alone or you would just feel better about having someone around, it’s time to begin looking in earnest.

apartment it won’t take long to feel at home. Yes, most residences also have a spot for your car.

Other on-site services may include a resident nurse, a clinic, beauty shop, gift The first step is to begin talking to your shop, and family kitchen so that when friends. Either they have found an assistyour family visits, there is a dining area ed living facility or know others who have for you to fix a family meal. Gardens and and can give you pointers based on personal experience. If you know someone picnic areas are a benefit and, if you love who lives in an assisted living setting, ask gardening, often they’ll welcome your puttering. Thanksgiving if you may visit them. at Grandma’s doesn’t Then, make a list of plachave to be a thing of the es that look most interThink of it as esting and make some past. shopping for a new appointments. Don’t be home with more Another consideration afraid to ask if you may freedom and less is the amount of socialstay for dinner when you visit. Since meals work. It is almost izing you want to do. are usually included in One of the great advanlike resort living. the price of assisted tages of assisted living living, it’s nice to know residences is that there about the food, service are other people around and setting. This will also give you an opso it becomes a neighborhood. You can portunity to visit with other residents. socialize as much as you want. Most faIt is a wise practice to bring someone cilities also offer organized activities and along on a visit. This way you’ll not only you’ll wamt to know what those are. have a second opinion, you’ll have someone to bounce ideas off and to give you In considering a facility, also consider feed back. On your visit, ask the person what kind of care you may require down you meet with about costs and what the road. If the facility has a skilled nursservices that are available. For example, ing unit or a rehabilitation unit, it would are meals, cleaning and laundry service mean that should you need more care, included? Brochures along with a price you wouldn’t have to find a new place, sheet are good take-aways so that you you’d just move to a new neighborhood can review your visit. there which is much easier because you How much room do you need? Some wouldn’t have to make new friends. In folks think a studio apartment is just some cases, couples need different levright while others need a one or two els of care but don’t want to be separatbedroom apartment. These apartments ed and a facility with both assisted living have a living room, kitchen and dinette and skilled care meets everyone’s needs. area. Just remember, you’re looking for a new home, your assisted living resi- Think of it as shopping for a new home dence should feel that way. Since most with more freedom and less work. It is residences allow you to furnish your own almost like resort living.

Sunday, April 27, 2014 | htrnews.com

how to

Choose a Roofer

Replacing the roof on your home should be left to professionals.

You Dream It. We’ll Build It. Mike Howe, founder and owner of Mike Howe Builders, Inc., set out to build his own Wisconsin Custom Home and has never looked back. With over 18 years of experience, Mike has built many dream homes, out-buildings, commercial projects and roofing projects for several clients in the local area and enjoys a stellar reputation as a pacesetter in • New Construction the building industry. The company has • Additions • Remodeling never wavered from its guiding principles of building relationships with the unique • Roofing • Siding • Windows and varied customers who choose Mike • Decks • Concrete Howe Builders, Inc.

BUILDING WITH PRIDE

When you hire a professional you are paying for more than just the work. You are paying for their warranty, too, so that if the roof leaks two years later they are still liable and will have to correct the problem. With that in mind, there are several points you definitely want to check out before selecting a roofer. First, how long has the company been in operation? A good roofer should offer a guarantee of anywhere from five to 12 years on their work. If you are dealing with a company that has only been in business for two years, you do not know if that guarantee is worth anything. You also want to try to find a roofing contractor who is local to your area. This is especially true after high winds have passed through your region and damaged many area roofs. Contractors from other regions of the country often follow such storm events, scooping up jobs and insurance payments. If their work fails and leaks after a year, it is extremely unlikely that they will return to your area to repair their error. Remember, you are paying for the warranty, so finding a local roofing contractor who has been in business for a while should be a top priority. How do you accomplish this?

MIKE HOWE BUILDERS, INC.

First, ask family, friends and neighbors if they have any recommendations. Even if they have not used a roofer recently, they may have other friends who have.

W W W. M I K E H OW E BU I L D E R S . C O M

Personal recommendations often include advice on who not to use, as well as commentary on the quality of the work and the cleanup. For example, if someone puts on a good roof but leaves shingles from the old one lying all over the yard, you may not want to use them.

2013 Builder Member of the Year

You should also do an Internet search for roofing contractors in your area. Many Web sites list contractors and allow reviews of their work to be posted.

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Sunday, April 27, 2014 | htrnews.com

The next step is to contact the roofers you have identified in order to get estimates and ask questions. Getting estimates is obvious, but asking questions is also extremely impor-

tant. Doing so will let the contractors know that you will not simply let them work and think nothing about it. It will let them know that you are paying attention to the process, right from the start. It can also let them know that you understand some things about roofs. Good questions to ask are what they will do if they find damaged decking, whether they recommend standard or architectural shingles, what the warranty is on their work, do they provide the warranty in writing, how long would it take to complete the work, and when could they start the job. The answers you receive to these questions will give you a basis to decide whether or not you trust the contractor. You should also make sure the contractor is licensed and bonded. Insurance is especially important for roofing contractors. While it is important they they be bonded and able to cover any damages they cause to your property, it is even more important they have coverage for their own workers who may be injured or even fall to their death in the process of repairing your roof. Asking about these kinds of issues will demonstrate to the contractor that you know what you are talking about and will prompt them to be more open with you in discussing the job. The topics you discuss will grow as the number of roofers you interview increases, because you will be able to ask following roofers about things the first roofer said. Finally, be sure to get a written contract with the roofer you choose. Contracts should always be in writing so there are no misunderstandings about what materials are to be used, exactly what the scope of work is, and what the final cost is to be. Following these simple steps, you should be able to find and reasonably evaluate a roofing contractor to replace your roof. You will get a good product for your money and be confident that you made the right choice.

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Turn Your Vehicle Into Cash

We’ll Pay You $ Up To 300 for Your Car Loan!

Two Rivers | 920-793-4541 Manitowoc | 920-482-3700 2848 Memorial Dr & 4400 Calumet Avenue 3131 Mishicot Rd

shorelinecu.org Loan promotion includes titled vehicles only. Minimum $3,000 new money. Cash payout will be placed on hold for 90 days in a Shoreline savings account. Additional restricting, including minimum credit standards and loan approval, may apply. Limited time offer; special may be withdrawn at any time WI-5001785435

22

how to guide

how to

Finance a Vehicle Buying a new vehicle can be an exciting but exhausting experience. As if the selection of your newest car, truck, boat, motorcycle, or ATV is not enough, once you are done you are most likely looking at financing the vehicle. According to wiki.answers.com, approximately 92% of Americans have a loan on their car. If you are part of the small percentage of Americans purchasing with cash, congratulations and feel free to stop reading here.

you can afford before you begin and sets a benchmark for financing that you can use when negotiating with the dealership.

However, if you are part of the majority, there are three important aspects of borrowing that are often overlooked. Although there is no “right” answer, every situation is different, understanding the process better will help you save hundreds, or even thousands of dollars over the course of your loan. Since auto loans are the most common, I will use that as the premise of the discussion, but the principles are the same for all of your vehicle loans.

Two – Don’t forget the power of term. Borrowers are often so focused on the interest rate, that they sacrifice another huge player in the amount of financing charges paid over the life of the loan. Financing for longer terms will drive monthly payments lower since the loan will be paid off over a longer period of time. Shorter terms will cause higher payments, but significantly lower total interest paid. Depending on what you need, lower payments or less interest, term can make a big difference. The age of the vehicle and credit score may drive availability of a longer term, but term will certainly be worth a discussion with your financial institution before you begin shopping.

Where you get your loan matters One – Where you get your loan matters. In a sense of pure convenience, getting your loan at the dealership is optimal. You pick out your car or truck; sit down with the dealer’s finance professional, complete some paperwork and you’re done. In the case of a new car or truck the loan is often financed by the car company itself. The auto giant has already built financing costs into the vehicle’s profits; hence the extremely low rates. A used vehicle is different though. As everyone who has shopped for a used car knows, spending some time on research and doing a little negotiating can save you much. The same is true for financing. In the case of a used vehicle, financing through the lender may be risky. Used vehicles are typically financed through the dealer for a different financial institution, such as a bank or credit union. The dealer has the option to select financing that makes the most money for the dealership, not necessarily what’s best for the customer. Working directly with your financial institution prior to shopping for a vehicle allows you to get a basic understanding of what

Don’t forget the power of term

You can always refinance Three – You can always refinance. An auto dealer will usually discourage you from quickly refinancing a vehicle. This is because the bank or credit union they sold the loan to will not pay them a commission if you refinance quickly. Fortunately for you, this is not your problem. Once you have your vehicle keep your eyes open for deals. Financial institutions need loans for income and will constantly be looking to attract loans by refinancing your current vehicle. If a lender is willing to pay you for your loan and the rate and term makes financial sense, then what have you to lose? Remember, these principles apply to more than just cars and trucks. Where you do your financing, for how long, and always keeping your eyes open for better deals will make sure that you are keeping as much of your money in your pocket as possible. Good Luck!

Sunday, April 27, 2014 | htrnews.com

River’s Bend Health and Rehabilitation Center Renewing our Commitment to the Community in

2014

how to

Choose a Nursing Center If you have ever suffered from an injury or sudden illness you know the importance of rehabilitation. It can give you back your independence and restore your quality of life.

Rehabilitation

• Comprehensive wound care • Stroke recovery • Lee Silverman Treatment (LSVT®) LOUD program • Vital Stim® • LiteGait® • Cardiac care • Orthopedic rehabilitation • Speech, physical and occupational therapies • Advanced therapy gym • 24 hour RN coverage, 7–days per week • 7–days per week therapy • Nintendo Wii®

Comfort

While the services provided may vary, the following are typically provided:

• General nursing services • Physical andoccupational therapy, as well as speech-language pathology • Assistance with daily activities • Case management

Return to Home The day you make your reservation, we start the care planning process to get you home timely and safely. • Discharge planning begins on day one • Regular communication with you and your family and your physician • Goal planning with RecoveryTrack • Out patient therapy

Rapids Recovery

960 S. Rapids Road • Manitowoc, WI 54220 • 920.684.1144 www.riversbendskillednursing.com ...helping people live better

Sunday, April 27, 2014 | htrnews.com

There are a number of places you can go for your rehabilitation depending on your needs. Skilled nursing facilities (SNF) provide therapy and rehabilitation for those recovering from orthopedic surgery, accident, cardiac event or stroke; as well as complex clinical care for residents with chronic conditions.

• Prescribed medical treatment overseen by physicians and nurse practitioners

• Private rehabilitation suites • Wireless Internet service • Flat screen TVs with Direct TV • Recliners in rooms • Separate entry for family and friends • Concierge services • Customer service care plans • Spa-like amenities • Bistro • Private courtyard

WI-5001782688

Rehabilitation encourages you to do things for yourself to facilitate recovery and increase levels of functioning, with the goal of returning you home as soon as possible.

It can be difficult choosing a rehabilitation center. Many factors to consider include location, cost and availability. It is also important to visit the center prior to making your final selection to find out more information about the services provided, as well as their outcomes. Here are some questions you can ask before choosing where to go: Does the center specialize in rehabilitation? The rehabilitation center you choose should have specialists including physicians; nurses; physical andoccupational therapy as well as speech-language pathology; recreational therapists; and case managers. All of these specialists work together to develop an individualized treatment plan for you. Is the center experienced in treating your condition? Make sure the staff have the right experience, skills and equipment to provide the most innovative and effective treatments.

How many hours of therapy a day will there be? Research how many hours of therapy are needed per day, based on your condition. Therapy should be spread out at different times during the day and be progressive as you gain strength and function. Find out if this center provides therapy on the weekends. What percentage of patients are sent home after receiving care? One indicator of effective rehabilitation is how successful a center is in returning patients home or to a lesser care environment. What is the average length of stay? Based on your condition, how long, on average, have other patients stayed in the rehab center? Data (from Center for Medicare and Medicaid Services) shows that the average stay for a Medicare rehabilitation patient is approximately 23 days. Is there a “continuum of care?” Your rehabilitation process may not end with a stay in a rehab center. Are you able to return to the rehabilitation center you select for outpatient therapy, if needed, after discharge? After you establish a relationship with a therapist, it can be helpful to continue with the same therapist on your path to greater wellness. Is the center warm and inviting? When you call to set up an appointment, were you able to talk to a knowledgeable professional? When you walk into the facility, does someone greet you? Is the décor updated, appealing and functional? Does the patient room contain a phone, television, window for natural light and place for visitors? Rehabilitation centers vary greatly in the amenities they offer, as well as services that are available onsite. A rehab center should provide comfort as well as exceptional rehabilitation services. To find the rehabilitation center that will meet your needs and desires it is important to shop around and find a quality center that best fits your specific needs; the success of your rehabilitation depends on it!

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how to

Choose a Pharmacist Most people understand the need to choose carefully when selecting a new physician, but you shouldn’t overlook the importance of choosing the right pharmacist as well.

Downtown Two Rivers 1500 Washington Street, Two Rivers Mon.-Fri. 9-6, Sat. 9-1

794-1225 Visit our website at

www.medicineshoppe.com/1564 Marv and Joylyn Moore – Owners and Pharmacists

The Medicine Shoppe pharmacy is dedicated to the idea that quality pharmacy care means more than just prompt prescriptions — quality care means that you get the prescriptions and medications you need, along with the personal care and attention you deserve. The Medicine Shoppe is the only locally-owned pharmacy in Two Rivers with its roots dating to 1992. Owners Marvin and Joylyn Moore and their 25-member staff offer a great number and variety of services meant to meet the individual needs of their patients. To help people manage their medications and keep their daily schedules on track, the Medicine Shoppe offers bubble packing of medications as an alternative to the traditional vials. The pharmacy has an automaticrefill program that makes it easier for patients to manage their refills each month. Home delivery and mailing options are available to patients as well. The Medicine Shoppe offers more services than just filling prescriptions. Pharmacists can test cholesterol and blood glucose levels. The company also offers complimentary blood pressure readings and analysis with a pharmacist. The neighborhood pharmacy provides a variety of vaccinations and diabetic shoe fittings. “If you have a unique medication-related need we will make every effort to help you,” Marvin said. The only locally owned and operated pharmacy in Two Rivers! WI-5001784643

24

how to guide

Pharmacists are your first stop for drug information and for learning how a medication may affect you. And finding a pharmacist and pharmacy who meet your needs will go a long way toward helping you regain or maintain your health.

some pharmacies offer are home delivery and bubble packaging of your medications. Ask your pharmacist if these services are offered.

Community Involvement

Does your pharmacist live in your hometown and does he or she give back to the community? Is the pharmacy you use loAccessibility cally owned or is it part of a chain or outof-state mail order facility? Supporting a Studies have shown that pharmacists are locally owned business keeps the money the most accessible health care profes- you spend in the community where you sional. You should exlive. That money helps pect to be able to talk to support local schools and a pharmacist every time other local businesses Take your time to you pick up a prescripthat help make your comfind a pharmacist tion. Since questions munity thrive. about your health and who you can trust medications can come up In order to minimize conwith all of your any time, make sure you fusion and maximize your prescription and choose a pharmacy that level of health, it’s best to medication needs. has readily accessible keep all of your prescrippharmacists who have tions with one trusted Given how much the time to talk to you. pharmacy. Spreading out you’ll rely on and If a staff member tosses your medications with difinteract with the a bag at you and asks ferent pharmacies means pharmacist over the “any questions” while the that no one pharmacist pharmacist is no where to knows exactly what drugs years to come... be seen, you may want to you’re taking; this situconsider changing pharation is ripe for creating macies. Also, if you can inadvertent drug interonly access a pharmacist through a 1-800 actions or overdoses. Keeping all your innumber or computer monitor, you may formation with one pharmacy means that want to consider another option. the pharmacist can help monitor your drug regimen to avoid any adverse effects. So what kinds of factors should you consider in choosing a pharmacist?

Services Offered

Are you interested in getting your blood pressure checked? How about your blood sugar or cholesterol? Some pharmacies offer these and other services and some do not. Some pharmacies offer an auto-refill program, which means you can ask them to refill your medications automatically without the hassle of calling in each time. This can also prevent you from needing to call your doctor’s office for a renewal of your prescription since the pharmacy already did this for you. Other services that

Of course, trusting your pharmacist means that you feel comfortable asking him/her questions about your medications and prescriptions. Look for someone who welcomes questions and answers you completely and patiently. Take your time to find a pharmacist who you can trust with all of your prescription and medication needs. Given how much you’ll rely on and interact with the pharmacist over the years to come, it’s as important as finding a good doctor.

Sunday, April 27, 2014 | htrnews.com


2014 How To Guide