Folsom how to guide 2018

GUIDE HOW TO SUPPLEMENT TO THE FOLSOM TELEGRAPH

2018

choose a jeweler SEE PAGE 4

Straightline Construction: How to choose a roofer

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12

Wealthwise Mortgage: How to get a VA loan

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22

Designing Dreams Flooring: How to choose a flooring dealer

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18

HOW TO

CHOOSE A CARPET CLEANER A clean carpet keeps your home or office looking new and smelling fresh. It is also healthier, with fewer dust particles and mites.

Carpets make homes comfortable and can be big contributors to warmth during the cool season. Lying down on a plush, soft clean carpet can be a great way to relax.

But keeping your carpet plush, soft, clean and looking and smelling good requires maintenance. And regular cleaning is a key part of maintenance. A regular cleaning will help your carpet maintain its beauty and texture. It will also minimize or erase the stains on your carpet caused by guests, pets and children.

A good carpet cleaning company will be able to remove spots and stains. Experts can revive an older carpet by using special equipment and processes. When they are through, your old carpet will look and feel bright and fluffy all over again.

Here are some things to keep in mind when selecting a carpet cleaner: PROFESSIONAL STAFF The appearance and demeanor of the floor-cleaning company will tell you a lot about the quality of their services.

Because there are few regulations on cleaning businesses, the professionalism of each company can vary widely.

It is essential to find a company that does honest, quality work. After all, you will be bringing them into your home, so ask the company pertinent questions before hiring them.

Request proof of their insurance coverage. If the company doesn’t have insurance, you could be responsible for any injuries or damage that occurs while they work inside your home.

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to walk on. Some companies use a dry chemical that shorten the dry time considerably.

HAPPY CUSTOMERS When you speak to cleaning companies, ask them for references from previous customers. Most people are happy to tell you when they’ve received good services.

You can also ask people in your social network about carpet cleaning companies. If they have found a great service, ask for the contact information and get a quote for your own home.

You can search online for information about what to expect. Look at review websites to see what customers have said about each business. Of course, maintain a level of skepticism about anything you read. Even the best cleaners can leave a customer dissatisfied, so one person’s rant isn’t necessarily a reflection of what you could expect.

If possible, contact the Better Business Bureau to see whether there have been any complaints filed about a business and how they were resolved.

Inquire about whether the company has its own employees or subcontracts cleanings to other providers. Talk to them about their background and any special certifications they have in their industry.

CLEANING PROCESS There are numerous processes for cleaning carpets. Chemicals, water, steam and other heavy-duty equipment could all be used.

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Ask them about their methods. You should understand why they prefer one process over another, and why it is best for your home.

If you have children or pets, verify that the chemicals are safe for them. If you are allergic to certain chemicals, be sure to check that they are not using anything that would be harmful.

Make sure you check to see how long it will take the carpet to be dry enough

PROTECTION POLICIES Cleaning companies should have policies in place for protecting your home and guaranteeing their work. If spots return or if you are unhappy with the results, they should send someone back to clean your carpets again at no charge.

High-quality companies guarantee their work for a period of time.

If the prospective cleaning company gives a guarantee, it is a good indication of their sound business practices. When you find a company with warranties and a spotless reputation, you know you have found a good carpet cleaner.

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HOW TO

CHOOSE A JEWELER Qualified jewelers can be found in even the smallest towns. Choosing the right one is an important decision when it’s time to buying an engagement ring, graduation gift or any kind of memento marking a special occasion.

To get the best deal, weigh several options that best meet your needs and fit your budget. Knowing a little about how the jewelry business works is a valuable tool.

The jeweler with the best skills should top your list. Look for one who offers attentive customer service and reasonable pricing. Many people make the mistake of basing their purchasing decision on price alone. Most of us aren’t wealthy, so other factors will guide our decision.

The best jewelry professionals are skilled artisans who create beautiful and imaginative pieces with their own hands.

They can also repair, clean and adjust customers’ items with ease.

Jewelers and the watch repair personnel they often employ have undergone extensive training and should have a list of certifications.

Additionally, jewelers attend periodic continuing-education classes to keep themselves current on issues and regulations in the industry. They often travel to jewelry shows geared to professionals that feature the newest trends and fashions. They also stay up-to-date on their knowledge and understanding of the precious metals and gemstone markets, information they gladly share with customers.

A jeweler’s technical expertise is not the only factor you should consider. You also want someone who values his or her customers beyond the price of a ring or necklace. Customers who received 4 HOW TO GUIDE 2018

exceptional service are likely to return for future purchases. They’ll also spread the word, recommending a good jeweler to friends and family.

Jewelers who provide guarantees should also rank near the top of your list.

A good guarantee is one of the fundamentals of establishing a long-term relationship with customers.

The top professionals offer free repairs and unlimited service for the life of the jewelry.

Many jewelry purchases represent considerable financial and sentimental investments for spouses, parents, children and others. A good jeweler recognizes the emotional bonds symbolized by a special piece of jewelry and treats their customer accordingly. Long-term relationships are

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built from the ground up, starting with the first purchase and continuing through the following years.

Many times, a deal on jewelry seems too good to be true when you’re buying from a discount store. It usually is. The gemstones are of lower quality and the metal components are of lower purity.

If the item breaks, taking it back for replacement or repair might not be possible because the seller packed up his operation and moved on. These dealers focus solely on profit. A good jeweler has a wider view.

Working with a jeweler you know and trust can make a big difference when it is time to make a significant investment in a special ring, bracelet, necklace or watch.

He or she will make an effort to provide you with the best possible price without

cutting the corners on quality.

If you have been doing business with the same shop for years, you can expect a high level of service and know the item is covered by a guarantee.

Anyone can sell jewelry. Consider all the corner jewelry stores you see at a mall. A dedicated professional jeweler doesn’t just sell things made of precious metals and gemstones. He or she also provides a measure of affection and bolsters a customer’s self-esteem.

While price is important when making a jewelry purchase, you’ll get better value for your money if you find a jeweler you can trust tomorrow and 20 years in the future. High-quality workmanship starts with the jewelry and ends with your satisfaction.

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HOW TO

CHOOSE A FLORIST

Every event looks better with flowers.

Whether it’s a wedding, corporate dinner or birthday party, a bouquet is perfect for every occasion. A beautiful arrangement will create a festive atmosphere. Choosing the right florist is key for your satisfaction.

Research a florist once you have a venue for your event, and ask staff for their recommendations. They will often know of the best florists in the area.

Popular florists fill their schedules quickly, so begin the process right away.

Another great way to get suggestions is from friends and family. Be sure to collect valuable details about their experiences, including prices and quality.

Narrow your list down to florists who appeal to you, and then start interviewing them.

Look for floral arrangements in magazines. Clip out photos and put them in a notebook with notes about why you like these flowers.

Call florists to see who is available for your date. If a florist is unavailable, drop him or her from the list. For those who are available, set up a time to speak with them. Tell them your estimated flower budget to allow them to prepare suggestions before the meeting.

Interview the florist. When you enter the shop, be observant. Look for cleanliness, organization and the atmosphere of the store. This way, you will be able to understand how the florist will act when working with you on a personal basis. All the flowers in a store should be well-watered and attractively arranged.

Employees should be attentive, but not pushy. The best florists usually have a large variety of floral arrangements in the front of the store.

During the meeting, ask if the florist 6 HOW TO GUIDE 2018

has worked previously at your venue.

Venues can have unique rules about what they allow in their location. Finding that a florist has previously worked with the event staff assures you that they know and can adhere to the rules.

Since the florist already has your budget, ask for his or her suggestions. A florist should be able to give you numerous suggestions of about flowers and arrangements. Ask to see photos of arrangements the florist has made in the past. Each florist has his or her own personal flair.

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Most event planners will find that they connect better with one florist than another. Show the florist your notebook, and discuss what arrangements you like and why. Ask if the florist could produce similar arrangements.

Request recommendations from the florist about other event professionals.

You want everyone on your team get along well with each other. A relationship between your caterer and your florist is especially vital.

Once you have determined the florist you want, it’s important to nail down the

specifics. Confirm 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 arrangements will arrive at your venue and who is responsible for placing the flowers in the appropriate spots.

Know when payment for the flowers is expected. Be sure you understand the contract before you sign anything, and get it in writing. If you are pleased with the company’s work, consider assisting the shop with positive references and reviews.

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HOW TO

CHOOSE A HVAC COMPANY Heating and air conditioning are a modern luxury many people take for granted. You adjust the thermostat and settle in comfortably. That is, until your HVAC system fails, leaving you sweltering in the summer or freezing in the winter.

Prevent equipment failure and prolong the life of your HVAC system by hiring a quality professional to service and maintain it.

Look for a contractor you will be comfortable using for years to come. The best HVAC contractors are helpful and reliable, but a bad one can cost you a lot of money, cause you frequent headaches and put you in uncomfortable situations.

Recommendations and referrals from past and present customers are your first line of defense. Ask neighbors, relatives and friends who they recommend.

Once you’ve developed a short list of likely candidates, check out their reputations with the Better Business Bureau, your state’s board of contractors or builders’ association and perhaps your town’s building inspection office. Avoid companies that have a long list of complaints lodged against them.

After you’ve eliminated the potential problem HVAC shops, call the remaining ones to ask about pricing, guarantees and warranties, their average time to complete a job and the manufacturers’ brands they use.

Your HVAC company should also service what it sells. Find out if you need to buy a separate service contract or if routine maintenance and repairs are included in the price of the new installation. It’s very important to know if they provide around-the-clock emergency service.

Make sure a company is fully licensed, bonded and insured. You may think this is being overly inquisitive, but it’s in 8 HOW TO GUIDE 2018

your best interest. If a worker is injured or causes any damage on your property, you’ll want his employer’s insurance to cover it. Otherwise, you may have to file a claim on your homeowner’s insurance, which could result in increased premiums.

Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include the American Society of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, the American Society of Heating and Refrigeration and Air-Conditioning Engineers. Membership in one of these organizations is not automatic. Applicants are required to have certain certifications, meet professional standards and meet or exceed other requirements

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before they are admitted.

Before your HVAC company starts a project, check to insure that all the required building permits are in place.

Many of the better companies will file the permits for you at the local building codes office. Don’t take this for granted.

Check with the permitting office first, because any work performed without the proper permits could become a major headache for you.

Have a load calculation done before installing a new system in any building. The company you hire should do this. The best ones don’t cut corners by using a general rule of thumb for sizing equipment rather than doing a thorough calculation. Don’t assume that a load calculation was done before the old system was installed. Buildings can

change shape slightly over time due to foundations settling and cracks widening, affecting the efficiency of any equipment.

The HVAC company shouldn’t automatically replace the old unit with a new one of the same size. If your old unit didn’t heat or cool your home adequately, you will want to install a new one that does. And a system that’s too big will be inefficient.

Talk with your HVAC installer to determine the right size and model that will best get the job done.

Follow up by having your HVAC contractor check over the system yearly to make sure it’s running at peak efficiency.

With these guidelines, you can select a quality HVAC business you can rely on for years.

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HOW TO

SAVE TIME AND MONEY WITH AUTO DETAILING Mobile auto detailing can help you to save time and money. You can ask a mobile auto detailing professional to come to your home or office. Your car can be washed and cleaned onsite while you are attending to more important matters.

Mobile auto detailing makes a lot of sense if you have a packed schedule and don’t have time to take your car to an auto detailing center.

Here are some advantages of mobile auto detailing: A mobile auto detailing professional can visit your home or workplace at a convenient time. You will not have to drive your car to the auto detailing shop and will not have to wait while it is being serviced. The professional will arrive at the scheduled time and complete the job, allowing you to deal with more important issues.

Mobile auto detailing professionals have to compete with others on service, quality and price. You can select a provider who is known to provide good service at a reasonable price. If you’re happy with the service, you can ask the service provider to clean your car regularly.

A mobile auto detailing professional can provide customized services. A variety of car detailing packages are offered and you can also get special services that are tailored to your needs. You can ask for washing and polishing of the exterior of your car, vacuuming and cleaning of the interiors, full interior detailing, dent and scratch removal, etc.

Professional detailers take pride in their work and strive to provide personalized service that makes their customers happy. A mobile auto detailing professional will have the knowhow, equipment, and appropriate cleaning materials to do a good job. A car wash may not provide the same level of personalized 10 HOW TO GUIDE 2018

service.

Once you find a professional who provides great service at a fair price, you can consider scheduling sessions at

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regular intervals. There is no need to keep track of when the next session is due. The professional will remind you about it and turn up at a convenient time.

You can look for a mobile auto detailing professional with a proven track record. It’s best to get someone you trust to handle your car. Look for a person who will provide loving care and treat your car with respect. You will not have to worry about your car being damaged in the process.

Your car will always look great if you get a mobile auto detailing professional to take care of it regularly. A clean car will give a good impression to potential customers, employers, coworkers, friends and neighbors. Your car will retain its value over the years.

Hiring a mobile auto detailing professional to take care of your car makes a lot of sense. Pick a service provider with a good reputation.

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HOW TO

CHOOSE A ROOFER

Repairing or replacing your roof is best left to professional contractors. Keep in mind that, when hiring a contractor, you are not just paying for parts and labor; you are also paying for the warranty that comes with the roof.

If you have any problems with your roof in the future, your contractor is still liable and must fix the problem.

Your search for a reputable roofer can begin in the local classifieds and the yellow pages of the phone book.

The internet is also a great source for finding roofing contractors in your area.

You can find websites that list contractors, along with reviews of their work.

Ask your family, friends and neighbors if they have any recommendations. Even if they don’t have any suggestions, they may know others who have recently used a roofer. They may be able to tell you whom you should consider using, along with whom not to use.

Personal recommendations provide the best information. They usually include commentary on the quality of the work and the cleanup process. For example, if someone does a good job on your roof, but leaves shingles and debris in your yard, you likely don’t want to hire them.

Some contractors follow natural disasters or heavy storms across the country in the hope of finding jobs and making money from insurance claims. However, if you hire one of these contractors to repair your roof and it begins to leak again, it is unlikely they will return to your area to repair it.

Instead of hiring a traveling roofer, it’s better to find a roofing contractor who is local. This is especially true if you live in an area prone to high winds and natural disasters such as hurricanes. Remember that you are not only paying for the roof, but are also paying for a warranty, so you 12 HOW TO GUIDE 2018

need a local roofing contractor who will be available for repairs.

Once you have several options, it’s time to look into each roofing contractor.

You can start by finding out how long their company has been in business. A good roofer should offer a guarantee of anywhere from five to 12 years. If the company you are considering has been in business for only a few years, you have no way of knowing if their guarantee is worth anything.

Next, contact various roofers to get estimates and ask questions. It’s just as important to ask questions as it is to obtain an estimate, as doing so will

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show contractors that, instead of taking a hands-off approach, you are interested and involved in the process.

Some good questions to ask include whether the roofers recommend standard or architectural shingles, what they will do if they find damaged decking, how long it will take to complete the work and when they are available to start. It’s also crucial to find out what the warranty is on their work and whether they will provide it in writing.

You should also make sure that the roofer is licensed and bonded. Insurance is especially important for contractors, since they should be able to cover any damages

they may cause to your property. It’s also vital that their workers are covered under insurance as well in case someone is injured while working on your roof.

Finally, be sure you receive a written contract from the roofer you choose.

Contracts should always be in writing to ensure that there are no misunderstandings about the type of materials to be used, what the work will entail and what the final cost will be.

By following these steps, you are sure to find the best roofing contractor in your area. Not only will you get good work for your money, but you can also be confident that you made the right choice.

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OPTIONS TO

HELP SENIORS STAY IN THEIR HOMES

As their health begins to decline, many seniors must confront the difficult and painful matter of determining whether to remain in their homes alone or move to an environment more specifically designed for the needs of seniors.

Elderly individuals battling mobility issues may find nursing homes to be the best choice. It’s important to realize, though, that nursing homes aren’t the only option available to those needing a little extra help with routine functions.

Though it is certainly true that nursing home staffers are always on hand to help seniors with their daily needs, the atmosphere may not feel personal enough for some. This can make the shift away from independent living at home much harder for seniors.

Some also fear the loss of privacy and sense of independence in nursing home living.

An alternative for seniors who find routine tasks such as cooking and washing to be increasingly difficult is that of an assisted living facility.

Assisted living facilities offer seniors the help they need with certain types of tasks, but also afford them the privacy and a sense of independence that makes this type of transition easier. Even though such environments offer residents a great opportunity to continue their lifestyles in large part, such facilities still don’t provide the comfort and ease of living at home.

Senior citizens whose physical or other limitations prevent them from completing everyday tasks have an alternative that permits them to remain in their own homes. Adult care services can give seniors the help they need in comfortable, familiar surroundings.

Generally, adult care services employ people who make scheduled visits to a senior’s home to help with basic chores and laundry, assist with minor medical 14 HOW TO GUIDE 2018

needs, run errands and grocery shop. The variety of services they provide allows elderly people to remain in their own homes.

From meal preparation to assistance with dressing and personal hygiene, adult care service providers believe there is no task too small or too large. The main reason for the popularity of in-home adult care, however, is that it allows a senior to wake up each day in familiar surroundings, and continue to enjoy the place he or she has always called home.

The clinical, impersonal nature of nursing homes and other on-site living

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facilities can be a difficult adjustment for many people. The aging process comes with enough difficulties in the form of health concerns and physical limitations, without the additional stress a radical change the lifestyle can introduce.

The simple fact of remaining in familiar rooms full of beloved personal belongings can help ward off depression and offer a sense of comfort.

Another benefit, apart from the assistance in daily tasks, is that adult care services offer a feeling of friendship and companionship that might otherwise be unavailable. A senior who is able to rely

on someone coming to his or her home to do chores has the comfort of knowing there will be regular contact with someone he or she can trust.

The first step for family members is to consult with the senior who is contemplating an assistance arrangement of any type.

Deciding whether to stay in one’s home or move into a senior facility of one type or another is always difficult.

However, a range of options available should make it easier for any senior to enjoy the comforts of home for as long as possible.

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HOW TO TALK TO LOVED ONES ABOUT MOVING TO A MEMORY CARE COMMUNITY It’s hard to imagine anything tougher than talking to a loved one and your family about moving to a Memory Care Community. Both what you say and how you say it can make all the difference in having the best possible conversation.

Here are four of our best tips on setting yourself up for success.

Start early. If you start conversations before action is required, there’s far less pressure on everyone involved. Begin by talking generally about preparing for the future, without the need to land on a solution. Go through the ‘what ifs’, approaching it as a casual discussion where multiple options are on the table.

Take small steps in multiple conversations, keeping the demeanor low-key and calm.

If people get upset or emotional, it’s time to take a break.

Be inclusive. While you may have to make the ultimate decision on your own, it’s critical that everyone in the family is heard and included. If others aren’t thinking realistically, bring up specific changes or challenges, discussing collectively how to approach these issues. If you’ve done the bulk of the research on Memory Care communities, share with your family and loved one how the resources of a community can help – both immediately and in the future.

Stay positive. Words matter. Most importantly, avoid institutional language.

“Community” is far better than “facility.”

Talk about “your apartment” instead of “your room”. Highlight services and activities that your family member already enjoys –an on-site gym, formal dining or a spa where she can be pampered. Does the community you’re considering encourage family involvement? If so, that’s a real plus to accentuate in your presentation of a potential community.

Ease the way. It’s great to visit communities with your family member – but 16 HOW TO GUIDE 2018

check them out first to make sure they meet your expectations. One bad experience can make it very, very hard to imagine anything positive. Talk to the director before your visit to ensure that you are expected and welcomed. Choose a favorite activity to do together when you visit –enjoy Sunday brunch or attend a performance. Find specific examples of ways that you can stay connected after moving – for example, you can make a plan to have manicures together every two weeks.

While browsing websites and brochures is one step, those resources don’t necessarily tell you what to look for to ensure the best situation for your loved one and your family. Here are some suggestions for what to look for when you research and visit Memory Care communities.

Understand types of communities. A community with ‘a continuum of care’ has Independent Living, Assisted Living and a secure Memory Care area, enabling residents to stay as they need additional

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support. Others are stand-alone Memory Care, with the entire community being a secured facility. Size is important. A smaller community may be more intimate, while large communities sometimes offer additional services.

Be smart in your research. These 3 tips will make the most of your time: 1) When you look at ratings, pay attention to how the community responds to both negative and positive comments. If they’ve taken the time to answer thoughtfully, that means they take feedback seriously.

2) Check the community’s Facebook or Instagram page. Frequent updates and photos of activities indicate a strong activities director and program. 3) It’s essential to see communities in person. Visit at different times of day to see the range of activities. Be wary of a community that limits you to preplanned visits.

Look at the physical environment. This will be home for your loved one. Is the environment warm and inviting, or does it feel institutional? What’s in the common

area? Are activities the main focus, or is the living area dominated by a TV? Ask about programming. What does a typical day look like? Ask to see the activities calendar. Is there a mix of activities to engage the mind, encourage social interaction and maintain physical mobility?

Is there a dedicated activities director? If you’re seriously considering this community, ask to meet them.

Talk to the staff. How you’re treated is a good indication of how your loved one will be treated. Are you greeted as you walk through the community? Are staff interacting with residents? Talk to a staff member. Ask them about their favorite activities to do with residents.

When you find a community that feels good to you, engage with the staff to help with conversations leading to the move.

Directors are an amazing resource. Not only can they help you handle conversations, but their interaction may be just the thing to warm up your loved one to the idea of the move.

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HOW TO

CHOOSE A FLOORING DEALER

When choosing new flooring for your home, it’s important to select something that is not only going to look good, but that is also durable. There are so many different materials to choose from, including but not limited to carpet, hardwood, bamboo, laminate, stone and tile.

However, for someone who’s not familiar with the industry, shopping for flooring can be an overwhelming experience. With so many types of materials, it may be difficult to make this decision on your own.

The best way to ensure that you are getting the right flooring is by choosing an experienced flooring dealer, especially one that is familiar with all of the various brands and types available. A good dealer will assist you in determining the flooring material best suited to your needs.

Budgets may be tight and consumers are concerned with the prices of the products they are choosing for their home. This is not one of those cases where it pays to be overly frugal. When selecting flooring and a respective dealer, you must think about the long term.

You need to make sure that you are getting the best value possible. It’s always nice to find a great product at a great price, but what if something happens in 10 years and you have no warranty on which you can rely? Even worse is the possibility that the installers might ruin the job and leave your flooring permanently damaged.

Another important factor to consider is the types of additional services and support that a floor dealer can offer. This is where customer service plays a crucial role. Your choice of flooring dealers should be based on the services they provide in the long-term.

If at all possible, it’s best to find a lo18 HOW TO GUIDE 2018

cally based dealer with a track record of great customer service. It’s worth spending extra money on flooring and buying from a flooring dealer you can trust. You are buying more than just flooring; you are building a relationship that comes with a guarantee for your product.

When picking out what flooring dealer you want to use, the first instinct of most is to search using the Internet or the local phone book.

Remember that phone book ads are paid for; larger ads will go to the companies with the larger budgets. Money is all it takes to advertise, so these ads are no sign of the kind of service you will receive.

The Internet can also be misleading

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when it comes to searching for qualified floor dealers. One should be wary of the top search engine results, as these don’t necessarily mean that the dealer is reputable. Instead, it simply means that their website is ranked highly, which can happen for various reasons that aren’t based on their service.

Be sure to read any consumer review websites with a discerning eye. These review sites can be appropriate but anything read online should be taken with caution.

Make a list of potential flooring dealers you are considering and give each of them a call. You can ask if they can provide any referrals from prior customers for references.

Find out what installation services they use and how reliable they are. Ask if they use in-company groups or outside contractors. Be sure to inquire about their warranty coverage and the guarantees they offer on their flooring.

Finally, you can check with your local Better Business Bureau or Chamber of Commerce for any complaints against the business, or lack thereof.

While shopping around, you might find that local dealers can offer comparable or lower prices, and a better variety of materials, than the larger chain stores.

Overall, most people have better experiences using a flooring dealer that has been in business for many years.

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HOW TO

CHOOSE WINDOWS AND GLASS New modern windows can enhance the appearance of your home or commercial building property. They can also increase its value.

Weighing the functionality, aesthetics, placement, price and efficiency can be challenging because there are many things to consider.

Understanding the terminology used to describe various windows and their efficiency will help you make your decision.

Here are common words and phrases you are likely to encounter: WINDOW GLAZING The actual glass in windows is called glazing. Many homes and older buildings have a single pane of glass within each frame. Although common, it’s not energy-efficient.

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

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

R-VALUES R-values measure the resistance that heat flows through a window’s glass panes, either entering or leaving. Higher R-values mean more energy efficiency.

U-VALUES U-values are the inverse of the R-value. It tells you the level at which a window conducts heat. The lower the U-value, the better.

20 HOW TO GUIDE 2018

LOW-E AND UV FACTORS Low-emissivity, or low-e windows, are one of the latest innovations in the energy-efficiency market. A coating on Low-e glass filters UV or ultraviolet produced by the sun. UV is a radiant factor that heats the space inside your home. The more UV that is filtered the cooler your home will be.

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

Casement windows are hinged on the sides. When the windows have top

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hinges, they are called awning windows.

Hoppers are bottom-hinged windows.

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

OTHER FACTORS Large differences between interior and exterior temperatures create annoying condensation on glass. Always choose a window appropriate for your climate.

Window placement is another factor when building a new structure or remodeling/renovating. Consider the building’s position and location as they relate to the sun. Windows facing the south let in more heat than north-facing windows.

Properly placed, a window can increase a structure’s passive solar efficiency.

Extreme temperatures cause frames and seals to deteriorate more quickly.

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

Before beginning any improvement project to your home or business, understand the building codes in your area. You may need a permit to do a major window-replacement project. If you don’t have the required paperwork in order, you might have to pay a fine and remove the work that’s already been done and start over.

Knowing basic terminology and concepts before you shop for windows will save you time and money in the long run, and leave you more satisfied with your project. It is really less complicated than it looks.

Publication of the Folsom Telegraph HOW TO GUIDE 2018 21

HOW TO

GET A VA HOME LOAN For those with eligible military service, the VA Home Loan Benefit – which never expires – provides a tremendous option to refinance or purchase a primary residence. All things being equal, a person using this benefit will generally qualify for more home loan than with other available loans.

MYTHS There are many “myths” that prevent people from using a VA loan, but all of the following are true facts regarding the VA home loan benefit: It’s not just for first-time buyers; you can use it multiple times; it is possible to have more than one VA loan at the same time; there is no limit on the loan amount – with a small down-payment/equity it can be used above the VA County Loan Limit; it’s possible to use it after a shortsale or foreclosure on a prior VA loan using remaining entitlement; the seller is not required to pay the veteran’s closing costs; the veteran may pay for repairs; there are no non-allowable fees, only fees that are limited.

BENEFITS Benefits of a VA loan include lower interest rates than conventional loans; zero equity required (with full entitlement) up the VA county loan limits (loans above the limit require a small down payment); no mortgage insurance; easier to qualify; shortest time to get a loan after a short-sale, foreclosure or bankruptcy; limitations on closing costs; no pre-payment penalty; and the ability for any qualified buyer (not just a veteran) to assume the loan at a later date.

If you have military service (you don’t need to have served over-seas or in combat), you are most likely eligible to 22 HOW TO GUIDE 2018

ANDREW VIERRA

take advantage of this benefit. You just need to ask a lender who is proficient in handling a VA loan. You want a lender that does several VA loans per year (just being able to do the loan doesn’t make a loan officer ‘proficient’).

ELIGIBILITY General eligibility requirements are

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currently serving on active duty at least 90 days; veterans with other-than-dishonorable discharge and served 24 months, or 90 days during war time/181 days during peace time. Keep in mind these are “general” guidelines and time requirements vary depending on era of service. Those serving in the National Guard or Reserves and have never been called to active Title 10 Orders are eligible after six years of participating service.

To see the service requirements for your specific era of service, go to benefits.va.gov/homeloans/purchaseco_eligibility.asp.

This benefit is open to Army, Navy, Air Force, Marines, Coast Guard, Reserve and National Guard, spouses of un-remarried veterans who died while in service or from service-connected disability, or the spouse of a veteran who is MIA or a POW.

QUALIFYING – TWO STEPS Step one: Determining if you are eligible to use the benefit. To do that, a proficient lender, electronically connected to the VA, will request discharge papers or – if on active-duty, a statement of current service from you – and order a Certificate of Eligibility (COE) directly from the VA on your behalf. The COE tells the lender whether your service qualifies you to use the benefit.

Step two (like any other loan): Comparing qualifying income against current debts, the lender calculates the amount of house payment allowed. For a home purchase, the lender uses that payment to calculate the approved purchase price and loan amount and issues a pre-approval letter. That letter tells your real estate agent the price range of homes to show you.

Bottom line: When you are in need of a home loan, do not make assumptions; find a proficient VA lender and…just ask!

Publication of the Folsom Telegraph HOW TO GUIDE 2018 23

HOW TO

CHOOSE A TATTOO ARTIST AND SHOP

Body art has become so popular that it’s now considered mainstream for many generations. The centuries-old practice of using ink to decorate your skin is increasingly seen as a powerful means for people to express themselves artistically.

This explosion in popularity means there are more choices than ever for where you can get a tattoo.

Here are some things to keep in mind when picking a tattoo artist and shop: CLEANLINESS The most obvious thing you need to look for is whether the studio is clean, and you can tell a lot about that just by looking around.

See if the studio looks sanitary and well-organized. Any furniture in the tattoo area that comes into direct contact with a client being tattooed should either have a sterilizable surface and or have a disposable cover that is changed between each client visit.

The tattoo artist should use clean sterile packaged, single service tools and equipment for every customer. To be certain, you can ask them to open the needle in front of you before using it.

They should also use freshly portioned and separated ink for each client to help and avoid spreading infections.

LICENSED Every state and county has different rules and regulations for tattoo studios, and you need to do your homework to find out what those regulations are where you live.

Believe it or not, there are some studios that will open up without a license and without doing the proper training to ensure a sanitary environment. Check whether the studio has the proper license 24 HOW TO GUIDE 2018

and ask about any training the tattoo artist has gone through to do their job in a sterile, safe way. Quality artists know how to get it done.

CREATIVITY Once you’ve ensured the studio is safe and licensed, then comes the fun part – choosing a tattoo design.

There can be a wide variation in talent between different studios and even different artists working within the same studio. Check out the portfolios in the studio to see what kind of designs you can expect and make sure it’s up to your

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expectations.

The best tattoo artists are exactly that — real artists — and can take your idea and turn it into a gorgeous piece of body art that you can enjoy for the rest of your life. Look for true creativity and originality in the designs they offer.

Price

It’s not a good idea to pick the cheapest tattoo studio. Like with anything else in life, you get what you pay for, and low-cost studios may be cutting corners somewhere or may not have the best artist for you. You just don’t want to

use a studio that’s known for being the cheapest in town.

Ultimately, because tattoos are designed to be permanent, you want to pick the best artist you can find – even if it’s expensive.

They should run their business in a clean, sterile way – with about the same cleanliness of a surgeon – but also have true artistic talent. That’s a rare combination to find, but it’s worth it to do your research and shop around until you find it.

Hope you enjoy your first or next tattoo.

Publication of the Folsom Telegraph HOW TO GUIDE 2018 25

HOW TO

TEND TO LAWNS AND GARDENS THIS FALL Autumn is gardening season. That statement may not seem right to those who think of the spring as the peak time to care for lawns and gardens. However, autumn is an ideal time to get into the garden and ensure that flowers, trees and garden beds will over-winter successfully.

A number of things make autumn a prime gardening season. The cooler days of fall enable gardeners to spend ample time outdoors without the threat of blazing heat. In addition, soil harbors a lot of residual warmth in autumn. Also, the colder temperatures haven’t yet arrived in autumn, nor have the leaves completely fallen, making fall a prime time to assess what’s already in the landscape, what needs pruning back and where to address planting for next year.

Gardening enthusiasts can focus their attention on these areas this fall.

PAMPER PERENNIALS As annuals and perennials start to fall back, mark the spots where perennials are located so they can be easily identified later on. This way, when planning spots for spring bulbs or other spring layouts for next year, perennials won’t be overlooked or covered over.

PRUNE SHRUBS Look at shrubs and trees and cut out dead or diseased wood.

CLEAN UP BORDERS Weed and tidy up borders and lawn edging.

INSTALL PAVERS OR ROCK WALL Embrace the cooler temperatures to work on labor-intensive projects, such as putting in a garden bed, retaining wall or walkway.

26 HOW TO GUIDE 2018

REMOVE SPENT SUMMER VEGGIES Take out vegetable garden plants that have already bloomed and borne fruit.

Tidy up vegetable gardens and start to sow cooler weather plants, such as onions, garlic, beans, and sweet peas.

RAKE AND COMPOST Rake the leaves and gather grass clippings to add to the compost pile.

PLANT SPRING BULBS Get tulips and other spring bulbs ready for planting so they’ll burst with color next year.

DIG UP HERBS Relocate herbs like parsley or basil to

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indoor gardens. Otherwise, strip all leaves and freeze for storage during winter.

CONSIDER MUMS Chrysanthemum plants are perennials. While they look beautiful in pots, if planted, maintained and winterized, they can bloom every fall.

FERTILIZE THE LAWN Fertilizing in autumn helps ensure grass will stay healthy throughout the winter.

ADD MULCH AND COMPOST TO THE GARDEN Replenish spent soil with mulch and compost so garden beds will be revital-

ized for spring planting.

PRUNE HEDGES Tidy up hedges, as they won’t be growing much more this year.

CLEAN AND STORE EQUIPMENT Clean, sharpen and oil all equipment, storing lawn and garden tools properly so they are ready for spring and not lying out all winter.

Autumn may not seem like gardening season, but there are plenty of lawn and garden tasks to tend to during this time of year.

22

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HOW TO

A publication of The Folsom Telegraph

How to choose a carpet cleaner. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 How to choose a jeweler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 How to choose a florist. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 How to choose a HVAC company. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 How to save time and money with auto detailing . . . . . . . . . . . . . . . . . . . . . . . . . . 10

We have marketing strategy ides to fit your business plan ... in or out of the box

How to choose a roofer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 How to help seniors stay in their homes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 How to talk to loved ones about moving into a memory care community. . . . . . 16 How to choose a flooring dealer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 How to choose windows and glass. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 How to get a VA home loan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 How to choose a tattoo artist and shop. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 How to tend to lawns and gardens this fall. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

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