How To Choose

how to choose...

NURSING HOME ∙ RETIREMENT COMMUNITY ∙ GARDEN CENTER ∙ HEARING AID ∙ MORTGAGE LENDER ∙ WEIGHT LOSS CENyour∙ BIKE guide toSHOP everything∙ VACUUM CLEANER ∙ TER ANK ∙ CATERER ∙ DRY CLEANER ∙ WRECKER SERVICE ∙ MEMORY CARE CENTER ∙ GOLD BUYER ∙ DENTIST ∙ CANCER TREATENT ∙ HEART ATTACK SIGNS ∙ MATERNITY ARE ∙ MATTRESS ∙ INTERIOR DESIGNER ∙ URNITURE STORE ∙ FINANCIAL ADVISOR PAINT STORE ∙ SPA ∙ HOTEL ∙ INSURANCE OMPANY ∙ GYM ∙ DOCTOR ∙ OFFICE FURNI URE & SUPPLIES ∙ ROOFER ∙ VETERINARIA

How to Choose...

BANK ......................................................................................30 CANCER TREATMENT CENTER .............................................56 CATERER ................................................................................28 CHIROPRACTOR ....................................................................78 CREDIT UNION .......................................................................52 DENTAL IMPLANTS ................................................................44 DENTIST .................................................................................22 DOCTOR ..................................................................................12 DRY CLEANER ........................................................................72 FINANCIAL ADVISER ............................................................66 FURNITURE STORE ................................................................20 GARDEN CENTER ....................................................................16 GOLD BUYER ..........................................................................46 GYM ........................................................................................54 HEARING AIDS .......................................................................26 HEART ATTACK SIGNS ............................................................4 HOTEL .....................................................................................64 HVAC COMPANY ....................................................................70 INSURANCE AGENT ...............................................................60 INSURANCE COMPANY .........................................................50 INTERIOR DECORATOR .........................................................40

JEWELER ...................................................................................8 KITCHEN CABINETS ..............................................................58 MATERNITY CARE .................................................................32 MATTRESS ...............................................................................6 MEDICAL SPA ........................................................................38 MEMORY CARE COMMUNITY ...............................................42 MORTGAGE LENDER ..............................................................36 NEW CAR DEALER .................................................................80 NURSING FACILITY ................................................................24 OFFICE FURNITURE & SUPPLIES ..........................................76 ORTHOPEDIC SURGEON ........................................................18 PAINT STORE .........................................................................48 REAL ESTATE AGENT .................................................................3 RETIREMENT COMMUNITY ...................................................10 ROOFER ...................................................................................14 TOWING & RECOVERY COMPANY ........................................74 UNIVERSITY ...........................................................................79 VACUUM DEALER ...................................................................62 VETERINARIAN ......................................................................68 WEIGHT LOSS CENTER .........................................................34

How to Choose is a special publication of The Billings Gazette

Sales & Marketing Director Dave Worstell

Special Sections Coordinator

Linsay Duty

Access How to Choose at www.billingsgazette.com/specialsections All content courtesy of Green Shoot Media unless otherwise noted.

Some edits have been made by advertisers featured in this special publication.

2

Section Designer Erika McLaughlin

How to Choose a Real Estate Agent When you are buying or selling a home, it is essential to choose the right real estate agent for your needs.

The best agents are energetic, positive and proactive.

On the other hand, selecting the wrong agent will cost you lots of time and money. So how do you find the best agent for your situation? Here are some ideas to keep in mind.

Real Estate Agent vs. Realtor A real estate agent may or may not be a Realtor, but every Realtor is required to be a licensed real estate agent.

To become a Realtor, a real estate agent has to join the National Association of Realtors (NAR); this allows him or her to attend industry meetings, get NAR newsletters, and access software and educa-

Communication and Planning Your agent should be an effective communicator. If you are selling your home, your agent should develop an effective marketing plan, explain it to you, and respond to any questions or concerns you have.

The marketing plan will probably involve placing advertisements and conducting open houses to invite the public for home viewings.

If you are purchasing a home, the agent

tional tools.

should listen to your guidelines and price ranges.

Realtors adhere to a strict code of ethics and have solid knowledge of the real estate business.

Above all, your real estate agent needs to

These professionals have been trained well, which

provide updates on progress. Do not work with

means they will provide you with the best service.

someone who does not return phone calls or emails.

Where to Start Looking More Resources

Recommendations are one of the best ways to find a qualified real estate agent or Realtor. Ask

To get a better idea about the process of buying and selling a home, conduct some research

people in your social network for referrals.

Sometimes agents are good at helping clients

on your own. Real estate magazines contain good

purchase homes, but not as skilled at selling them.

information and can be a great way to start your

Keep that in mind when searching for the right

research.

professional.

There are also a lot of good resources on the

You might also contact local brokers or

Internet, such as www.Realtor.com, which is as-

search the NAR directory online. Always work with

sociated with NAR and which contains free, useful Jupiterimages

credible, responsible agents. Otherwise you are wasting your time.

information.

You may find housing statistics, market forecasts and tips, but nothing beats the power of networking. You need to find people with similar interests who will help you in your endeavor.

Comfort Level At the initial consultation with a prospective real estate professional, focus on your comfort level while interacting with them.

Upon successfully buying or selling your home, keep your real estate agent's contact information on hand.

You may want to refer other people to him or her. You may also need their services again someday.

Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? Can they negotiate a contract?

It is vital that you feel comfortable with the agent. You must trust that this person can behave ethically and help you secure a good deal.

3

How to Recognize the Signs of Heart Attack The Importance of Early Heart Attack Care Courtesy of Billings Clinic Heart disease is the leading cause of death for both men and women in the United States. Research has shown than more than 50% of the time heart attacks have early warning signs and symptoms. These early symptoms tend to come on with exercise or exertion and are often relieved by rest.

Sometimes these symptoms go unnoticed, but more often they go untreated occurring more fre-

During a heart attack some experience dizziness caused by a lack of oxygen to the body, particularly the

quently and with greater intensity until causing a heart attack. Learning to recognize and seek treatment

brain. A man having a heart attack may faint due to lack of oxygen. Experts have discovered that many

during these early signs and symptoms can prevent a heart attack. Signs and symptoms of a heart at-

men experiencing a heart attack will feel pain in their teeth and jaw. This pain typically rates a 7 or above

tack often vary according to gender and can be deceiving. Learning to distinguish the difference can save on a scale of 1 to 10. your life. If you think you might be having a heart attack, stop whatever you are doing and have someone

WOMEN tend to experience shortness of breath, pain or pressure in the chest, dizziness, lighthead-

call 911. Knowing 85% of damage from a heart attack happens in the

edness, upper back pain or extreme fatigue. Chest pressure or pain

first two hours, every minute matters.

in women is often felt in the lower chest or upper abdomen. Some women think they are having stomach pain rather than chest pain.

Common Signs & Symptoms include:

Heart attacks in women can be more difficult to diagnose. In

•

Tightness or squeezing discomfort behind the breastbone

fact, physicians may even miss initial signs of a heart attack. There-

•

Heaviness in the chest or chest pressure

fore, it is important for you to know the differences between how a

•

Discomfort or pain in the arms, neck, jaw, shoulder or

man and woman feels when experiencing a heart attack.

upper back

•

A burning feeling under the breastbone or indigestion type

Almost six out of 10 women who are having a heart attack feel they are short of breath. Resting may lessen the symptoms in some cases, but not always. A woman may feel unusually tired, as though

pain •

Unusual shortness of breath

she cannot get enough sleep or rest. In fact, extreme fatigue can be

•

Unusual fatigue

an early warning sign for a heart attack. It may start several weeks

•

Dizziness or lightheadedness

in advance.

•

Associated nausea or sweatiness

•

Anxiety or impending sense of doom

attack. Men seldom complain about back pain when having a heart

•

Feeling of fullness

attack. Many women having a heart attack will experience nausea

Women often experience severe back pain during a heart

and will often vomit. Doctors do not fully understand why this It is important to note that any of these signs and symptoms can

symptom occurs.

Knowing the early signs and symptoms of a heart attack and

occur in men or women.

seeking early care can prevent a heart attack. In the midst of a

MEN tend to have more classic signs and symptoms such as chest pain or pressure that may radiate into one or both arms, short-

heart attack recognizing these signs and symptoms can save a life.

ness of breath and associated nausea or sweatiness.

If treatment is not sought quickly, a heart attack may be fatal.

Minutes matter, so seek emergency care immediately by call-

A man having a heart attack may experience shortness of breath.

ing 911. Emergency Medical Services is with life-saving technology

He might feel as though he has run up a flight of stairs when he is totally out of shape. This shortness may become so severe that he will

BananaStock

attack patient, while alerting the hospital in advance of arrival.

feel like he might vomit. Some heart attack victims describe feeling like they have developed the worst flu of their life instantly.

Men having a heart attack may develop cold sweats which leave him feeling chilled and clammy.

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and professionally trained staff to rapidly assess and treat the heart

Recognizing signs of a heart attack can prevent heart attacks, save lives and prevent heart muscle damage, which affects quality of life.

Did You Know Heart Attacks Have Beginnings?

These “beginnings� occur in over 50% of patients.

Most importantly, if recognized in time, these beginnings can be treated before the heart is damaged! Call 9-1-1.

Billings Clinic is the only accredited Chest

So what are the early symptoms of a heart attack?

Remember, people may or may not experience any or all of these symptoms.

Pain Center in Montana, Wyoming and North Dakota. As an accredited Chest Pain Center, Billings Clinic has demonstrated expertise in quickly assessing, diagnosing and treating patients experiencing signs and symptoms of heart attack. Our accredited Chest Pain Center team has advanced training in effectively treating patients with chest pain and is ready 24 hours a day.

billingsclinic.com/heart 5

How to Choose a Mattress

By Craig Barthel, President, Mattress Land USA Choosing the right mattress may seem overwhelming, but with a basic understanding of mattresses person. The purpose of the support system is to support your body as you lie down by keeping your spine the process can be simple, easy and maybe even fun.

Because Americans today are sleep deprived, averaging a little over six hours of sleep each night, it is critical that you have the right mattress for your body type to rest properly. The magical number as you

in natural alignment. When it’s working there’s no morning back pain. When it’s not you have to crawl out of bed in the morning in an attempt to get upright. If a mattress doesn’t support you, it’s the same pain you would experience if you were bending over the sink doing dishes for hours on end. It’s not your spine

know is eight hours of quality sleep, seven days a week, 365 days a year, for every adult 18 and older. So that is stiff in the morning; it’s the lumbar muscles that have been working all night long compensating if you’re not getting eight, change your bedtime ritual, change your bed or change both.

for the lack of support from your mattress. To determine the best support system for you, lie down on each mattress and pay attention to which ones fill in your lower back the best. You shouldn’t feel like

Questions to ask before shopping:

you’re lying on a board, nor should you feel like you’re in a hammock.

1.

Is my mattress more than seven years old?

2.

Do I have difficulty getting comfortable?

3.

Does it take me more than 20 minutes to fall asleep?

4.

Do I wake up with back pain that wasn’t there when I went to bed?

of how I feel the next day”. The old adage “you get what you pay for” is a good rule of thumb when

5.

Does my spouse or pet’s tossing and turning wake me during the night?

shopping for a new mattress. When manufacturers want to make a cheap mattress, they use cheaper

6.

Do I wake up during the night and not know what woke me?

materials that break down faster causing your mattress to lose its comfort and/or support faster. Better

7.

Am I tired or groggy in the afternoon?

quality materials are used in more expensive mattresses to maintain comfort and support longer.

8.

Do I need an alarm clock to wake up? If so, do I hit the snooze button? How many times?

Durability Durability can be summed up by “how long can I expect to love sleeping on my mattress because

Size Size does matter when it comes to couples sleeping on a mattress. The same can be said for

If you answered yes to one or more of these questions it’s probably time to replace your mattress.

Write down your answers to the questions and share them with your salesperson. This will go a long way

people sleeping with pets. If you’re sleeping on a full or queen and your spouse or pet wakes you at night

in making mattress shopping easy. Now that you know you need a new mattress, let’s explore how to

when they toss and turn, consider going to a larger size mattress. The biggest is king and measures 76”

choose the right mattress for you based on the four things.

wide by 80” long. It’s the same length as a queen but gives you 16” more in width. A queen is 6” longer

The four things that make every mattress a little different from every other mattress: comfort, sup-

and 6” wider than a full. There’s no question when you minimize partner or pet movement your sleep

port, durability and size.

quality will improve.

Comfort

The following are some common mistakes to avoid when shopping for a mattress:

Comfort without a doubt is the most important and one of the easiest to determine. Comfort

1.

comes from the two to four inches of cushioning material closest to the surface that is responsible for an

“aaaah” or “ick” when you first lie down. Comfort layers can be foam, memory foam, gel, or any combi-

for you.

has a different idea of comfort—what’s not comfortable or supportive for me may be perfect

nation of these. Always lay on the mattress to feel how your body responds to it.

When you’re trying mattresses, pay attention to what feels good. What you should feel is something not too soft, not too hard, but just right. Think of comfort as lack of pressure points. Try out the mattress

2.

Wanting to purchase a firm mattress for better support. For some people a firm mattress does

provide better support; however, most find just the opposite to be true. Why? Because it

doesn’t provide that gentle push back in your lumbar area.

as if you were going to sleep—assume your sleep position, close your eyes and stay that way for a

3.

Memory foam mattresses sleep hot. While this was the case many years ago, memory foam

couple minutes. What you’re quietly asking yourself is, am I completely comfortable on this mattress? Am

technology has addressed this concern making it a non-issue today on brand name mat

I without pressure points? Be sure to experience and experiment with all the comfort options available.

Comfort is an individual thing so be open for new discoveries.

and sleep hot.

tresses. There are still some less expensive memory foam mattresses that use old technology 4.

Support Second in importance only to comfort, support is what’s below the comfort layers. Support can be innerspring, foam, air or water. The two most common are innerspring and foam.

Unlike comfort that is different for everyone, support needs tend to be the same from person to

6

Deciding not to try a certain type of mattress because of something you’ve heard. Everyone

I can use my old box spring. You need to replace your box spring when you replace your

mattress. Why? Old box springs may still look okay but they are made using steel

springs that work as a shock absorber. Today’s new “never-turn mattresses” require a non-

flexing box spring with rigid support.

How to Choose a Jeweler Choosing the right jeweler is important when it's time to buy an engagement ring, graduation gift or memento marking a special occasion.

Why settle for just anyone? Qualified jewelers are everywhere -- even in the smallest towns.

How do you pick the best jeweler in your area?

Finding someone with excellent skills is the first thing to consider. Quality jewelers offer reasonable pricing and fantastic customer service. Do not make the mistake of basing your decision on cost alone.

Jewelry professionals are skilled artisans who create beautiful pieces with their own hands. They

on a piece of jewelry. If it seems too good to be true, it

repair, clean and adjust items with ease.

probably is. Inexpensive prices are often an indicator

They may also offer other products from off-site

with lower purity. When the item breaks, it might be

resource.

impossible to take it back for a repair or replacement

dergone extensive training and should have certifications to prove it.

They also attend periodic classes to keep

will make a big difference when it is time to make a or she will make every effort to get you the best pos-

the latest trends. They maintain their knowledge and

sible price without sacrificing quality.

markets.

Technical expertise isn't the only aspect to

If you have been doing business with the same shop for a long time, you should expect a high level of service. The item should be guaranteed every time.

Anyone can sell jewelry. Malls across America

likely to return for future purchases. You'll want to work

are filled with jewelry stores. But a dedicated profes-

with someone who sees more than dollar signs behind

sional jeweler doesn't just sell precious metals or

each customer.

gemstones. He or she brings a keen eye for the beauti-

Guarantees are essential. It is a fundamental public and a track record of satisfied customers.

Top professionals offer free repair and unlimited service for the life of the jewelry.

People often regard their jewelry as a kind of financial or sentimental investment for family members. A professional understands the emotional bonds symbolized by a piece of jewelry, and treats it accordingly. Many jewelers are sensitive to the needs

Doing business with a jeweler you know and trust significant investment in a ring, necklace or watch. He

factor in establishing a long-term relationship with the

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solely on profit.

Many jewelers travel to professional shows featuring

consider. Customers who receive superior service are

Thinkstock

because the seller has moved on. Some dealers focus

themselves current on regulations within the industry.

understanding of the precious metal and gemstone

Dynamic Graphics

of lower quality gemstones and metal components

manufacturers. In general, they are an excellent Jewelers and watch repair technicians have un-

Thinkstock

A discount store may offer an unbelievable price

of each customer.

ful and stunning quality of each piece.

It is true that price is important, but it shouldn't be your top consideration. You will get better value for your money when you do business with a jeweler you can trust -- now and 20 years from today. High-quality workmanship starts with the jewelry and ends with your satisfaction.

How to Select the Best Retirement Community for Your Needs These days, more Americans are remaining active into their retirement years. They are searching for communities that match their lifestyles and goals for relaxed living.

If you are in the market for a retirement community, there are plenty of things to consider. A retirement community will hopefully become your home. It is important to choose a vibrant place, with a friendly staff and lots of recreational activities to choose from.

Here are some aspects to consider before making a financial commitment to a community.

Community Activities Many senior citizens want to keep their energy levels up during their retirement years. They are

Churches, Libraries and Schools Consider how close the community is to schools, sports facilities, and other sites that produce a

more health conscious and understand that an active lifestyle leads to a long life. Many seniors enjoy

large amount of traffic volumes and noise levels. Many people prefer to live in less congested, quiet areas

physical activities such as golf or walking. Any prospective retirement community should have easy ac-

during their latter years.

cess to such activities as well as several options for exercise classes or lessons.

Other seniors enjoy arts and crafts, board games, dancing and organized activities. Taking part

Also, think about where the nearest libraries and churches are located, as well as access to public transportation.

in social events can provide opportunities to

Ask whether the community provides its own

make new friends. Research what kinds of

transportation for residents. Some facilities have their

social events are organized within the retirement

own fleet of minivans and buses. This is extremely

community.

helpful for seniors who no longer drive and need to

Also, find out if the community has ample

do some routine personal shopping, banking, or for

opportunities for residents to travel to theaters,

physician visits.

museums or shopping malls together.

The Community Medical Care Facilities

Current residents will give you a feel for their

Retirement communities should be easily

level of satisfaction with the community. Talk to them

accessible to emergency personnel.

about their experiences and seek candid reviews of

Know the location of the closest hospitals,

the amenities and staff.

doctors, ambulance services and other medical

After all, it is important you feel confident that

facilities. You may wish to restrict your search to

you have selected a retirement community that fits

communities located near your preferred physician or other service providers.

Any prospective community should have

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your personal needs and lifestyles.

Brand X Pictures

By taking the time to research multiple facilities,

a formal emergency plan in place. In addition, check to see if the retirement unit has custom safety

you will undoubtedly find a warm, welcoming facility. You will be able to build lasting friendships and gain

features, such as railings in the bathrooms and entranceways.

the support you need to have a rewarding and relaxing retirement.

SeNior LiviNG Guide BILLINGS

TM

GoLoid feLearning TM

ts inars and Social Even Classes, Clinics, Sem to Enrich Your Life.

e free!

All classes & events ar

events

Vintage and Gently Used Purse, Scarf and Jewelry Sale

A Fundraiser for Big Sky Honor Flight Browse wonderful costume jewelry, designer handbags and lots of vintage items!

Fri., May 30, 9:00 a.m.-3:00 p.m.

Westpark Village

classes

Dance for Parkinson’s

A free dance class for those with all levels of Parkinson’s Disease.

Thursdays at 2:00 p.m.

Westpark Village lower level

support Groups

Open meetings, all are welcome.

Living with Loss Support Group

Ever y first and third Tuesday, 1:30 p.m.

Westpark Village, Lower level Chapel

Alzheimer’s Family Support Group

Ever y first and third Wednesday, 2:00 p.m.

Westpark Village, 2nd floor Library

FREQUENTLY ASKED QUESTIONS Q: How is Retirement Living different than living in my own home?

A: Your life, friends, and family are the same, but you have just added a housekeeper, a cook, and a driver to help take care of things. Retirement Living at Westpark Village – Let Our Community Be Yours!

Q: What is Assisted Living?

A: Assisted Living is living in your

own apartment but also receiving help with things like medication management and personal care.

Add a housekeeper, a cook, and a driver and life is good again! Assisted Living at Westpark Village – Let Our Community Be Yours!

Westpark Village Senior Living Community 2351 Solomon Avenue (406) 652-4886 www.westparksenior.com

Platinum Service® Communities Managed by The Goodman Group

www.GenerationsHealthNetwork.com BLGS-14-27 APR

11

How to Select a Physician Finding a personal physician is an important step toward a healthier lifestyle.

The best physicians offer you a cooperative relationship in an effort to monitor your health. They provide creative solutions to health issues, as well as informing you about basic information.

Here are some elements to consider when you are searching for a new doctor.

Insurance Often, your choice of doctors will be limited by your health insurance carrier. Insurance companies have contracts with individuals or group practices. It is highly likely that you cannot go outside of your insurer's provider network without paying an additional fee.

Your primary care doctor should be able to understand your medical needs, as well as offer you appropriate referrals should you need a specialist.

give referrals when they have had positive experiences with their health care providers.

The American Medical Association or other professional physicians' organizations in your area will be another useful resource.

Prior to making a final decision, always confirm that your physician has a current license to practice with the state medical board. This licensing body will also tell you if he has any pending disciplinary action or complaints.

Not every doctor accepts new patients. Once

It is possible that using a doctor outside your insurer's primary care network may subject you to

you have collected a list of possible physicians,

out-of-pocket expenses.

contact them to make sure they will accept new patients, as well as the insurance you carry.

Some insurance carriers do not impose

Ideally, your first visit will include a routine

restrictions on your choice of physicians. If you have this kind of policy, look to your local newspaper or

physical examination and documentation of your

online advertisements to find potential doctors in

medical history. But sometimes insurance carriers

your area.

will decline payment for routine exams.

Meeting your Needs

Convenience Convenience is another important factor

Experts recommend selecting a general practitioner to serve as your primary care physician. This

when choosing a physician. His or her office

professional might be an internal medicine doctor or

should be easily accessible from your home or

a member of a family practice.

workplace.

Under some circumstances, it is better to se-

Ensure that the doctor has admitting privi-

lect a doctor practicing within a particular specialty.

leges at your preferred hospital in the event you

Jupiterimages

need treatment.

Women might feel more comfortable with an obstetrician/gynecologist (OB/GYN) as a primary care physician. A pediatrician might be the primary care

Ask where your physician can perform diagnostic tests and procedures. Some doctors might use a

physician for children. Seniors could even have a geriatric specialist for their primary care physician.

separate facility rather than their own offices.

Ask for Referrals

will want to know that your new doctor can meet you quickly.

Finally, inquire how long it usually takes to book an appointment. When an emergency arises, you Friends, family and other trusted sources are the best way to find a new doctor. People will gladly

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651-9355 13

How to Choose a Roofing Contractor Installing a new roof on your home not only increases its value, it also protects you and your home from the elements. It can become a necessity in the event of a severe storm in which shingles may be blown off or damaged when impacted by hail, tree branches, or other debris.

Some Billings roofing contractors provide free

products and recommend the best choice for longevity,

decide between various qualities and types of roofing

curb appeal, warranty and resistance to storms. Ask

to fit your needs and your budget. And if it be an

about the guarantee of your contractor’s workmanship.

insurance repair, many contractors can work with your

Generally, a good roofer should offer a guarantee of

insurance company to bring your home back to its

a minimum of two years. Ask for a written, detailed

original condition, if not better.

estimate to eliminate any surprises.

It is important to choose a professional roofing

they find damaged decking or any other unforeseen

be sure to install your new roof safely and effectively

issues during the roofing process. What does the

and according to manufacturer and UBC (universal

roofer need you to do? Such as clearing the driveway,

building code) specifications.

removing pictures from the wall, or whatever else may

Ask your roofing contractor about the warranties

14

your personal property.

Every professional who works on your prop-

the future, they will be here to fix the problem. As we

erty should be licensed and insured. Insurance is

saw with the tornado on Father’s Day of 2010, many

particularly important for roofing contractors. They

contractors from all over the country popped up all

should be able to cover any damages they might cause

over the Billings, many claiming to be local or simply

to your property. It is also essential that workers are

buying out local contractors so they can appear to be

covered under their insurance as well, in the event that

local.

someone is injured during the job.

Before work commences, be sure to receive a

recommendations from former customers. Discuss the

written contract from the contractor. Read it over care-

quality of workmanship and the cleanup process prior

fully. It should state the type of materials to be used,

to signing an agreement. You don't want scraps of

what the work will entail and the final cost.

shingles and nails left over after the contractors have

Thinkstock

be done to accommodate the contractor and protect

contractor, if there are any problems with your roof in

Your roofing contractor should be able to provide

Ablestock.com

Be sure to clarify what the contractor will do if

contractor when it comes time for a new roof. They will

they provide. It is always best to use a local roofing Thinkstock

Your roofing contractor can also discuss various

inspections and free estimates. They can help you

Following these tips will help you complete your

gone home. Ask where you can see their previous

new roofing project with ease. It doesn’t take much

work. Determine a work schedule with your roofing

time to do a little research and it will be well worth

contractor so that you will know when the project will

your while once you’ve found a contractor whom you

be started and completed.

can trust.

ROOFING

SIDING

GUTTERS

We offer free inspections and free estimates

specialize in insurance claims and storm damage repair & restoration

$100 cash

LocaLLy for referrals upon completion owned of referred project and operated products offered: roofing

Deal mostly with lifetime architectural shingles (asphalt) Also offered: Impact Resistant Shingles, Metal Roofing, Stone Coated Steel Roofing, and everything in between

siding

All types including: Vinyl, Steel, Wood, Cement, Board

gutters

5� Aluminum Seamless 3x3 Downspouts used every time, instead of standard 2x3 Fully licensed and insured. Liability insurance to cover any damage occurring during work progress, and workman’s compensation insurance to cover the workers in case of injury.

BiLLings, Mt

office: 406-245-2222 ceLL: 406-690-6425

www.singhcontracting.coM 15

How to Choose a Garden Center In the old days, gardeners used to receive a seed catalog every January. They used these catalogs to plan their spring gardens. It was great way to pass time waiting for the snow to melt.

These days, seed catalogs have been replaced by the Internet. Gardeners around the world use the websites to plan their spring gardens every winter. They have a wide range of produce to consider.

But it is hard to touch things over the Internet, and sometimes people need expert advice. That's why gardeners visit garden centers.

With thousands of locations over the country, how do you select the right garden center?

Do the Research

the same place, operated by the same people for a very long time.

Research will help you determine which garden center is best for you. Look at the center's catalog

Take a look at the plants. Do they look healthy? Are they well maintained? Is there a decent variety?

or website. Not only should it be filled it products, they should also have information to help you become

Typically, plants grown in green houses are better quality. After all, they are produced to be grown in

more successful. Their advice should be easy to

your area. Plants grown locally usually have fewer

understand and apply. Remember, they are not only

diseases. A plant may not appear diseased until

retailers but also experts in their field.

you take it home.

Inquire about how the plants are produced.

Quality garden centers offer hands-on training

"Open pollinated" designates a seed or plant will

and other classes on various gardening topics.

reproduce itself purely if a seed is properly saved

Expertise can also be defined by media presence. The specialists at the garden center you are

from the fruit of the plant. An organic seed or plant

considering should be on the short list that the media

has been produced without artificial or chemical

uses.

pesticides.

Genetically modified plants are created by

Your friends and neighbors may have referrals.

Does someone in your social network love gardening?

laboratory technology that manipulates the plant's

If so, then ask who they use.

genes. For example, instead of mixing two different kinds of corn to create one that is more resistant to

While some garden centers stock a wide variety Comstock Images

of brands and products, most have a few products

diseases, they may combine genes from corn and

they specialize in. Are those the products you want to

a totally unrelated tomato plant. These modifica-

use?

tions do not happen naturally in the breeding process.

Visit the Garden Centers Once you have researched garden centers, visit two or three locations before making a final deci-

advantages to them. On commercial farms, this type of plant has a plenty of assets over organic plants. In a backyard garden, however, genetically modified plants are usually not necessary.

sion.

Talk to a sales person. Think of a problem you experienced in the past and ask them for a solution.

The sales people should be knowledgeable about remedies. Note his or her demeanor and attitude.

Find out how long they have been in business and more about the owner. Good centers are usually in

16

Many people may be cautious about using genetically altered seeds and plants, but there are

When shopping at a garden center, understand the types of plants they offer. There should be a labeling system in place. If not, ask the staff for more information. Commercial crops are more likely to have genetic modification.

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17

How to Choose the Best Orthopedic Surgeon for your Injury Regardless of your age or the reason, an orthopedic injury is never welcome. It can limit or even force a you to quit your physical activities.

When you are having a major surgical procedure on your musculoskeletal system, it is essential to find the best medical professional for the job.

Time, persistence and research can put you on the right path to recovery. Here are some tips to help you find the best surgeon for your needs.

Recommendations Ask your primary care physician for the names of orthopedic surgeons. Your doctor is the best resource for finding a medical professional who can handle your case effectively. Other medical professionals in his practice might also be able to refer you. It is vital that you find a surgeon who specializes in

lifestyle changes -- before performing surgery. Others think it is wiser to do surgery before a problem gets worse.

At your initial consultation with an orthopedic surgeon, try to understand their medical philosophy.

Think about whether it matches your expectations.

what you need. For example, a man with a sports injury and

The surgeon should make you feel comfortable and confident. A good

an elderly person who needs a knee replacement will require

bedside manner, with excellent knowledge, experience and communication,

two very different doctors.

will make you feel more relaxed about your health care decisions.

While some orthopedic surgeons cover all areas of the

Full Spectrum

body, others have chosen to specialize in a specific area. By

The best surgeons help you with preparation and recovery from your

focusing on a specific area, an orthopedic specialist is able to

medical treatment. They do more than just perform an actual procedure.

perform a significantly greater number of procedures in this

They will take the time to answer all your questions patiently and offer

area of the body, as compared to a non-specialized orthopedist. This focus allows the specialist to gain insight and knowl-

practical suggestions to help you hasten your recovery. As well, the doctor

edge on how to most successfully help their patients heal and

will look at your lifestyle to help you become healthier. He will not simply fix

get back to an active life style. You can ask your doctor to

your broken or painful body part. Changing your lifestyle and taking better

refer you to a specialized orthopedic surgeon who focuses on

care of yourself may lessen the need for surgery in the future.

the specific area that you are experiencing trouble in.

Hospital Privileges

Request information about the surgeon's background,

Surgeons must be allowed to operate in facilities. Different hospitals

where he attended medical school and where he did his

have different levels of technology and equipment. You will want to have the

residency.

procedure done at a hospital that is equipped to fit your needs.

Many orthopedic specialists become experts at perform-

If you prefer to have the surgery performed at a particular hospital,

ing one or two types of procedures. Keep in mind that the

check to make sure the surgeon is approved to operate at the facility.

more experience they have with cases like yours, the more Creatas

likely you will have a good outcome after the procedure.

In Summary Philosophy

18

Choosing the right orthopedic surgeon may very well be the most important part of the road to re-

Qualified doctors don't often share the same philosophy when it comes to medical treatment.

covery. Consider using a specialist, discuss your expectations and find out what their philosophy is. These

Some surgeons prefer having patients try other options -- such as physical therapy, dietary or

tips will help to ensure a positive experience and help you get back to living your life without pain.

How to Choose a Furniture Store

By Craig Barthel, President, Furniture Land USA and Furniture Your Way

There are three key factors to consider when selecting furniture for your home. How important they

to be ordered, sometimes taking 10 to 12 weeks. Design based will also be the most expensive place

are vary from person to person and knowing how they rank for you personally will help you have a more

to shop, the furniture is usually American made so the quality is very good, plus you’ll receive design

pleasant shopping experience.

help and suggestions from a qualified staff. These types of retailers are a good bet if you want quality furniture, unique styles and decorating help.

Three main factors keep furniture shopping pleasant.

Price and quality still go hand in hand. What Grandpa said 50 years ago rings true today—you

Discount stores offer the lowest prices on mass produced furniture that is commonly referred to as disposable furniture. These retailers typically sell other products not related to home furnishings so

get what you pay for. For example, the least expensive sofa you find will not be the best quality, and you

sales staff has limited knowledge. These types of retailers are a good bet if your budget is very limited

may end up disappointed. A higher quality sofa will cost more, but the investment will give you a longer

and only need the product for a short time.

Specialty stores usually focus on a specific brand or type of furniture. Store size is usually smaller

and stronger satisfaction.

The question you need to ask yourself is how long do I plan on having the sofa and is ongoing comfort and functionality important? If so, you’ll need to pay more. If you’re only interested in a sofa to

because they don’t typically have a large selection. Sales staff is passionate and knowledgeable and pricing is moderate to high. These types of retailers are a good bet if you like the style of furniture they offer.

Online furniture shopping can be the most frustrating and is hit or miss. Sometimes you can find

last a couple of years because it’s in the family room downstairs where no adult ever goes because your

kids and their friends are animals who abuse whatever you put down there, then getting a less expensive, some good deals and sometimes you can buy what you think is a good deal only to find out it’s not. disposable type sofa may be the answer.

Customer service and shopping experience can be hot buttons. Look for stores where the

The best way to shop furniture online is to research on the Internet to determine what quality, style and options are available. You can use this information to shop your local furniture retailers to ensure you get

employees are more interested in helping you find that perfect piece of furniture than making the sale.

the quality, style and options you want. When you compare apples to apples, online pricing is typically

Good salespeople can save you a lot of time and money because of their training and knowledge about

the highest price you’ll pay primarily because shipping larger items that don’t ship FedEx or UPS are

specific brands of furniture. Most have some design talent and can help you mix and match pieces.

expensive. These types of retailers are a good bet if you’re purchasing items that are small enough to be

Because of available floor space, a store’s entire inventory may not be in the showroom. Check with the

shipped FedEx or UPS.

salesperson to see if there are other available pieces in a warehouse.

Selection and style are also important for you to consider. If you want your new furniture to be different than your neighbors’ or your mother-in-law’s then you’ll want to find stores that have unique

Shopping for new furniture can be challenging. You can make the process easier and even fun by doing a little preparation before you shop.

styles. Today, with most furniture being made overseas, unique and different styles can be hard to find since most imported furniture tends to look the same. If style is important, shop stores that are outside

•

the norm that have fun, different products. If you still can’t find that perfect piece, shop stores that have a strong special order program. Most furniture stores can order a lot more than what they show so before leaving ask what other styles they can special order.

bring them with you to show your salesperson so they better understand what you’re after.

•

Measure your space. By knowing the size you can eliminate frustration with returns.

•

Sketching your room is a really good idea and will open the possibility to other options as you

shop.

Today’s furniture can be purchased from one of five types of retailers: mass merchants, design based, discount, specialty and online.

Do some research online to find the sizes, styles and colors you like, print the pictures and

•

If you’re working with other colors in a room, carry fabric and paint swatches, flooring

swatches and even a cushion or pillow off a piece that’s staying.

Mass merchant stores are usually regional or national chains with a broad assortment of furniture that is typically imported so the quality is decent and the price is moderate. Your new furniture is usually in a warehouse that will arrive in 3 to 4 weeks. These types of retailers are a good bet if you have

when you find that perfect piece of furniture or an entire group that transforms your room into a place

a limited budget and aren’t planning on keeping your furniture for a long period of time.

you look forward to showing off to friends and family or just hanging out and relaxing after a long day of

Design based stores are usually small with limited selection so most anything you buy will need

20

Choosing where to shop for furniture is easy with a little thought before you head out, the fun begins

shopping.

How to Choose the Right Dentist Choosing the right dentist will go a long way toward helping you maintain your health and appearance.

Whether you need a routine cleaning or a complex dental procedure, finding the right dentist will save you time and money.

It is vital that you find a dentist who makes you feel comfortable, someone who will help you improve your dental health in a hygienic environment.

Finding a dentist near your home or workplace will help you make your appointments on time. As well, their office hours should accommodate your schedule.

So how should you start your search? First off,

your questions. have any concerns, communicate with the staff and

own websites, which include the backgrounds of those

dentist. Many professionals are willing to go above and

working there. The website may also tell you about

beyond to help you work through these issues.

A basic oral health history should be taken by the dentist or staff. They should tell you about future treatment and prevention options. A quality dentist will help

prospective dentist. You can talk to a receptionist or

you feel comfortable during your visit. If you experience

other staff person if the dentist is unavailable.

anything less, cross that person off your list.

Check that he or she has earned the necessary degree from a reputable school and are current on all

The best dentists offer friendly, happy dental experiences.

licensing and continuing educational requirements.

Teeth are extremely important to your overall

Ideally, he will be familiar with the latest dental tech-

health. They can also help or hinder your appearance.

nologies and trends.

Finding a good dentist is like finding a friend who

Ask if the dental office provides emergency services. If you break a tooth or need to have a root canal done right away, it is vital to find an available dentist.

Lead time for appointments is another consideration. Some offices might be able to see you right away, while others may have a three-week wait time.

Your prospective dentist should accept your dental insurance. If not, you may need to cross that

Some people are afraid of dentists or pain. If you

your area will also help. Professionals often have their

Once you have gathered a list, begin calling each

22

visit the office. The staff should be professional and

family and colleagues can be a great resource.

well as specialized services they offer.

Stockbyte

When someone meets all of your requirements, friendly. Every dentist should be willing to answer all of

how they handle procedures and appointments, as

Photodisc

you an estimate before performing any work.

ask your social network for recommendations. Friends, Searching on the Internet for dental offices in

Photodisc

inquire about payment plans. The office should give

person off your list. If you have no dental insurance,

consistently brings out your best smile.

Exceptional Dentistry.

Extraordinary Smiles.

• Same Day Care • Family and Child Dental Care • Implant Placement and Restorations • Root Canal Treatment • Full and Partial Dentures • Cosmetic Dentistry

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exam cleaning and x-rays

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406-655-4656

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406-655-4656

www.billingscosmeticdentist.com 23

How to Choose a Skilled Nursing Facility Cherished family members deserve the best care, especially as they grow older.

A quality skilled nursing community (nursing home) can help parents, grandparents, siblings or other loved ones live a happy, healthy life. You will have peace of mind knowing that they are receiving kind attention and care.

There are several aspects to consider when picking a nursing care center. Making the right choice means your loved ones will enjoy happiness and longevity. It will also mean less stress for family members.

Visit the Facility Take a tour of the potential facility. You should intuitively feel warmth and safety in this environ-

of patients' medical appointments outside the facility and access to barbers and beauticians for the residents.

ment. Your visit will also provide clues about the general atmosphere and morale of the residents. There should be lots of natural light, cheerful colors, bright wall art and hints of laughter from the staff and patients.

Focus on the cleanliness, staffing levels and the appearance of other residents. Is the air fresh and

Talk with Others You might have a chance to talk with a relative of a resident who is currently living in the community. Don't be afraid of asking them for honest opinions about the facility. Query them about the staff

free from unpleasant odors such as urine,

and quality of care received by the residents. Solicit their

feces and stale food? Are there enough

input on whether you should place your own loved one in

nurses and caregivers on duty? Are

this facility. These relatives are usually eager to share their

residents appropriately dressed? Do they

experiences with you. Hearing their impressions will help

seem clean and freshly bathed?

ease your own anxieties about this important decision.

Bring the prospective resident along

Ask the Doctor

for the tour. This community may become

If you are still unsure about your decision, or if you

their home. Your loved one deserves to have a voice in selecting the facility. Feel-

have reservations about the facility, discuss the matter

ing welcomed are cues that this could be

with your loved one's primary care physician. This profes-

a positive living experience.

sional should also be able to recommend good nursing facilities in your area.

Socializing is important. Are there

The doctor may suggest additional facilities not on

opportunities for residents to meet each

your original list. When your loved one has special needs,

other? Regular activities such as music

the doctor will know which facility or center can best meet

and crafts or an outdoor area for enjoying Comstock

the sunshine will enhance quality of life.

Choosing a skilled nursing community for your loved

Most skilled nursing communities are happy to provide a tour of the building. Once you have seen the environment, ask for a consultation

one is never easy. Carefully weigh the expectations of your family member with your impressions and

with a staff member. This is an opportunity for you to ask questions and address special needs of the

the recommendations of others.

prospective resident.

Possible questions might include availability of physical and occupational therapy, accommodation

24

these requirements.

This is one of life's most difficult decisions. Taking the time to do the research will result in a better quality of life for your loved one and peace of mind for yourself.

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25

How to Select a Quality Hearing Aid Hearing loss affects more than 40 million Americans. People of all ages and backgrounds experience hearing impairment or loss.

Many people seek out hearing aids to help relieve the serious consequences of this condition. As a result, they lead richer, fuller lives.

These devices are highly technical, customized to meet each individual's needs. Types of hearing loss vary widely, and are sometimes quite different from person to person.

Innovations in hearing aids include using digital processors to isolate and amplify the frequencies a patient needs

aid, consider upgrading to a more modern device. You will help you hearing be as close to natural as possible.

most. Many of the latest hearing airs are so small they are practically invisible.

Options When you are searching for a hearing aid, look for

Styles The good news is that you no longer need to purchase bulky, obvious hearing aids of yesteryear.

The most popular hearing aids on the market fit

Some examples include: BLUETOOTH CONNECTIONS: You could connect wirelessly to Bluetooth electronic devices, such as smart phones.

completely within the ear canal. While they are attractive and

It allows you to hear phone conversations directly through

barely noticeable, their small size means they are typically

your hearing aid.

more expensive.

Other styles include half-shell, full-shell, behind-the-ear Courtesy of Rocky Mountain Hearing Aid

special features that will enhance your hearing and your life.

and open-fit hearing aids.

Because these hearing aids come in a range of sizes

TELEPHONE ADAPTERS: This feature senses when you are talking on the phone and adjusts the setting to make it clearer during your conversation.

DIRECTIONAL MICROPHONE: You can adjust your

and prices, consult with a specialist to help you choose the

device to pick up sound that is directly in front of you. For

right style to fit your needs.

example, when you are having one-on-one conversations with a person, it is useful to turn the microphone to improve

Internal Electronics The design of a hearing aid will make a large difference in cost and performance. Two devices may look similar but produce dramatically different results.

The difference is in the internal electronics. Nearly all hearing aids available today are digital. They will filter out background noise, enabling the wearer to hear a conversation clearly. This technology is particularly effective in crowded settings.

This technology can be tailored to help with your parDigital Vision

26

ticular kind of hearing loss. If you have an outdated hearing

your hearing. You may also change the setting to a more general setting that would be useful at public performances or concerts.

REMOTE CONTROL: Some devices allow you to adjust the settings without touching it. A remote control can change the directional microphone or amplification.

How to Select the Right Caterer Hosting a successful event takes plenty of forethought, as well as a supportive team of professionals. A good caterer is essential for creating a memorable occasion. Experienced caterers can be a tremendous assistance whether you are planning a large event or intimidate celebration.

Not only will a caterer bring great food, they will also give you information and advice about making

caterer has a book of food and dessert pictures. Look at their work. Be sure it pleases you. Search for

your event a success. A good caterer will tell you what types of food work best at a given event and the

reviews online because the caterer is only going to show you the good reviews they have. If they have

quantities required for your guests.

bad ones, there may be some online.

They will create impressive, delectable dishes with a high sense of professionalism. Most caterers take great pride in their work. They can also tell you about other resources, including professionals, who can turn your event into a magical occasion.

Choosing the right caterer means you will have time to enjoy your party. Here are some tips to consider when looking for a high quality caterer:

Record The local health department will have a health rating for the caterer. A positive record demonstrates their commitment to safe food handling practices. It is also an excellent indicator of the caterer's overall quality.

Scheduling

Event Information

Be sure to communicate clearly about

Before speaking to a prospective caterer, note everything you know about your event. De-

timelines and scheduling. If you arriving a wedding

tails might include date, time, location, number of

ceremony at the same venue as your reception,

guests and budget. You can also suggest certain

make sure the caterer will be unloaded before you

types of foods. You should be able to customize

guests begin to arrive, so they are not disturbing

any type of menu to fit your tastes and budget.

you ceremony.

Interview

Sample The caterer should allow you to sample the

Begin asking your social network for recommendations. Friends, family, and even

food. In fact, it is common for caterers to bring

colleagues may have used a caterer in the past.

selections from their menu to an initial interview. If

After you have compiled a list of possibilities,

they don't offer you samples, request them prior to

schedule a meeting and prepare your questions.

pay deposits or advancing funds. It is only fair that

In particular, ask about what is included in the

you know what you are purchasing. They should not charge you to do this.

price. Does the caterer supply dishes and glassware or will you have to rent those items. Ask

Courtesy of Montana Jack’s

Some caterers specialize in elaborately

about their set up and clean-up process, time frames and budget. The caterer might have ideas about your event. Listen with an open mind, but also make sure the caterer listens to you and what you want.

themed parties. These companies will offer suggestions on food that will complement your celebration.

Make sure you shop around and you are comparing apples to apples. The price for the food may be the

Other caterers have expertise in crafting menus that are customized to your guest list.

same, but the services the caterer provides as well as the supplies may be very different. You might end up paying an arm and a leg for all of the extras.

Caterers who can help you with the entire planning process of your meal from hors d'oeuvres to dessert are well worth the money. They can guide you through the whole process with professionalism,

References It is always a good idea to ask for client references. You should receive a list of names and contact information. Don't be shy. Call these references to inquire about the company's work. Sometimes, a

28

confidence and even a sense of humor. Because you have thoughtfully chosen your caterer, your special occasion will be a rousing success.

Complete Custom Catering From simple appetizer trays

to prime-rib Montana Jack’s brings you all the essential elements to help create a truly memorable event.

Incredible cuisine, perfect timing, and seamless service!

Whether it is a graduation, wedding, corporate function for lunch or breakfast, holiday party, birthday or any other event, all our customized menus are prepared with you in mind.

* Complimentary Taste Test ~ Try it before your big event. * China & Silverware included ~ At no additional cost * We guarantee we won’t run out of food * Themed buffet ~ BBQ – Italian – Mexican – and more

Catering menu available on our website

www.mtjacks.net

Call Kelly for details!

406.252.0243 29

How to Select the Right Bank Many people select a bank because of advertising or because a branch is close to their home or near their favorite shopping center.

While convenience is a factor, it shouldn’t be the only factor.

Consider these additional factors when making your choice:

Personal Service When you walk into the lobby of your community

Most banks offer overdraft protection for this eventual-

bank, are you noticed? In these days of electronic

ity. Overdraft protection is a loan to you to cover a

banking, more people use electronic banking, es-

deficiency in your account. Although there is typically

pecially mobile applications, for the majority of their

a charge for this service, it is usually less per year than

banking transactions. However, when you do need

the cost of one overdraft. Overdraft protection is a line

to physically come into the bank, you want it to be a

of credit and you must qualify the same as you would

pleasant experience; you want to be greeted warmly

for any other unsecured loan.

and called by your name because you have a personal banking relationship.

Fee Structure

Thinkstock

prospective bank measures up in your marketplace.

Loans Banks earn most of their income from lending money and having the principal and interest repaid.

Every bank has a hand-out that tells you what

Community banks compete for loans, so their rates,

fees they charge. Some advertise “free” checking but

at least on the surface, appear similar. Although you

there is a catch. Checking and savings accounts cost

want a good rate, don’t forget the first topic discussed

the bank a considerable amount of money to maintain

– personal service – because that service determines

on their system. While it is reasonable for the bank to

your overall customer satisfaction. Other things to

recoup some of that cost, you should check out their

look for and ask about are “pre-payment penalties.”

fee schedule and ask them questions. Banks generally

Pre-payment penalties are sometimes imbedded in the

have a Personal Banker or a new accounts represen-

loan paperwork and can be very costly if you decide

tative who can answer your questions and help you

to take your loan elsewhere for a better rate or better

choose the right account for your needs at the least

customer service.

cost to you.

Overdrafts Even the most meticulous customers may occa-

Creatas

30

Thinkstock

Choosing the right community bank can make the difference between a so-so banking relationship and a truly rewarding experience. Whether you need a

sionally make a mathematical error in their checkbook

checking or savings account, a home loan, a new car

and end up with insufficient funds in their account.

loan, or a business loan, go to the bank and shop the

When this happens, the bank will charge you a fee.

experience rather than buy on price alone.

You should investigate those fees to see how your

We’re all about

YOU

At Little Horn State Bank your banking experience begins with YOU, and it ends with YOU.

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31

How to Choose the Best Maternity Care Courtesy of Billings Clinic

Pregnancy is a huge milestone in a woman’s life. It can be incredibly stressful, especially the first

know what to expect when the time comes. A birthing center should have a home-like setting, rather

time around. There is so much to consider, from names to how to decorate the nursery to bottle vs.

than a hospital-feel. The birthing process should be as peaceful as possible and there should be room

breastfeeding.

for your significant other and family members to stay with you at your choosing during labor, delivery,

One of the first and most essential decisions that women need to make as soon as they find out they are pregnant is choosing a maternity care provider. If you are already established with an OB/

recovery, and postpartum. The birthing center should have the amenities of home as well as a caring staff that will ease you through the process.

GYN or family medicine physician who provides OB

Maternal Fetal Medicine

services, you are all set for maternity care. However,

Most pregnancies and deliveries occur

if you need a maternity care provider, there are a few things to consider. Starting prenatal care early in a

without complications, but it is important that

pregnancy greatly improves the health of both mom

a team is available to provide exceptional care

and baby.

in the event that complexities do occur. This is particularly important for women who are

Building a Relationship with Your Provider

35 years of age and older or who have health

To get the best care for you and your developing

conditions that might require special care.

baby, you want to choose a credible maternity care

Maternal fetal medicine specialists are trained

provider who supports your pregnancy and birth

specifically to care for women with complex

plans. Your provider should guide you through the

pregnancies. Your OB/GYN or family medicine

process with confidence and a friendly attitude. The

physician will refer you to a maternal fetal medi-

joys of hearing your child’s heartbeat or seeing the

cine doctor if you have a complex pregnancy.

first ultrasound are very special, and you want to share those experiences with a provider and staff that you trust.

Courtesy of Billings Clinic

Fertility Care Perhaps you have been trying to get preg-

Make sure that you are able to talk openly with your provider about your pregnancy experience. You nant for several months without success; you might want to consider seeking fertility care. Reproductive will inevitably have a lot of questions and uncertainties throughout the nine months, and you want to be

endocrinologists are doctors who specialize in fertility care and reproductive medicine. There are many

able to ask questions freely and express any anxieties you have. There are many parts of pregnancy that

options available for fertility care, from hormone therapies to simple procedures. The treatment with

will seem unusual. It can be hard to determine what is normal, and your provider can help. Your provider

the highest success rate for infertility is vitro fertilization. Your reproductive endocrinologist will take you

can also give you tips on what to avoid for a safe and healthy pregnancy.

through all of the options and help you decide what is best for you.

Comfortable Setting When visiting your maternity care provider’s office for the first time, you want to feel comfortable.

32

Finding a maternity care provider doesn’t have to be stressful. Take a day or two to consider your options and talk to your friends and family about their experiences having children. Make sure

You will spend a lot of time there, for monthly appointments and even more frequent visits as the due

the provider is friendly and professional, ask questions, find a comfortable setting, and make sure that

date approaches. You should also tour the birthing center before you deliver your child that way you

specialists are available to ensure the best care for you and your growing baby.

How to Choose a Good Weight Loss Center Obesity is a common problem in our country. For many Americans, it is a threat to their health. Extra weight will shorten your lifespan and create a myriad of physical problems.

Losing weight is a challenging process, requiring self-discipline and dedication.

When you need help dieting, a weight loss center

rals. Centers with good reputations will be happy to

may be the answer. Trained professionals can educate

provide you with such a list. Previous clients are often

you on good nutrition, keep you motivated and set a

willing to talk about their own experiences. You can

realistic weight loss goal. They will answer your ques-

also find out if they kept the weight off.

tions and provide accountability.

Each center has its own approach. Selecting the right program will help you reach your weight loss goals.

So many diets create glamorous advertisements

A good weight loss center will have a follow-up system to assist you in maintaining a healthy life. They should be able to give you their success rate.

Weight loss centers offer different levels of support, such as motivation and nutritional assistance.

using famous people, but that doesn't mean their

They might also have stress management techniques

plan is the best one for you. Here are some ideas to

that can stop you from eating your troubles away.

help you find the best weight loss center to meet your needs.

Use your time at the center wisely. Create good nutrition and exercise habits. You are not only there

Thinkstock

Research and Visit First off, research local weight loss centers. Ask

to lose weight, you are developing a healthy, lifelong lifestyle.

about programs. Do you have to purchase special meals? Are meetings and appointments required?

long way toward helping you succeed. It is easy to

you. Think of other information you may need. Are you

stick with a plan when you have the assistance and

looking for a facility that is exclusive to women only?

support of caring staff. Whether you need to lose a

Decide what is comfortable for you.

small or large amount of weight, it is important to find

Once you narrow down your choices, schedule a visit. Observe the way staff members talk to clients.

All employees should be courteous and competent to everyone.

Plans and Referrals It should be possible to speak with existing Comstock Images

34

Thinkstock

In the end, a good weight loss center can go a

Make sure these commitments are convenient for

clients about their experiences. Ask the staff for refer-

a safe, effective way to achieve your goals.

How to Select the Right Mortgage Lender

Before you find the home of your dreams, meet with your mortgage lender and know what you are pre-qualified for. Understanding what your future house payment might look like, will guide you to a decision that is right for you and your family.

Finding the right mortgage lender is the first step in

They will ask you how long you intend to remain in this

home ownership. The key is to take as much time as neces-

new home. Your answers will help him find the best mort-

sary to do things properly. You must also make sure you are

gage products to suit your needs. It is a red flag if a lender

dealing with quality lenders.

fails to ask you this type of question.

Lenders with excellent customer service will make sure things go smoothly. The best mortgage professionals are knowledgeable about their loan products. They are willing to

option. Interest rates vary on a daily basis. A Billings lender

take pride in guiding you through what could be a confusing

will know the rapid changes happening in the community's

process.

housing market. A Billings bank can offer financial informa-

mind.

Purchaser’s Rights The mountain of forms, declarations and even financial terminology can be daunting to inexperienced homebuyers.

It is always smart to exercise care during the home-buying process. Understand what you are signing and any obligations you are assuming.

A signature is a permanent commitment. Some buyers may have a very short time to back out. Otherwise, they are liable for what is in the document.

Even if you back out during that short period, you will likely forfeit deposits because you broke the deal. Extra costs can be avoided if you take time when signing all agreements.

Communicate with Your Lender The best mortgage lenders will focus on understanding Jupiterimages

36

Seeking out a mortgage lender in Billings is the best

spend as much time as possible to explain them to you. They

They keep your best interests and financial priorities in

Photodisc

Seek Local Lenders

your long-range financial goals.

tion as well as provide mortgage information. They will understand how rate changes may affect you.

Local lenders will monitor your loan application closely, and they will be more accessible to answer any questions you may have.

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www.stockmanbank.com

37

How to Choose a Medical Spa Courtesy of Central Wellness Medical spa treatments have become increasingly popular across the country. Facilities offer a variety of benefits to clients who are hesitant to undergo a more extensive and expensive plastic surgery procedure.

The non-surgical procedures offered at medical spas are significantly less invasive than plastic surgery, and they often do not involve the same level of risks and complications as surgical procedures. However, medical spa treatments still carry some degree of risk.

Here are some factors to keep in mind when choosing a medical spa.

Experienced Providers Make sure you choose a medical spa with extensive experience performing your desired treatment.

spas offer the latest treatments with advanced equipment and comparable prices. Instead, focus on the value of your experience. Experienced providers, customized treatments, exceptional service, and thor-

All medical spas should have a board certified physician on staff. Many procedures can be done by quali-

ough aftercare, far outweigh a discounted price. It’s also a good idea to factor skin care products into the

fied registered nurses, nurse practitioners and other certified medical personnel. Always make sure your

cost of your procedure. Most medical spas sell medical grade products that are significantly more effective

procedure is performed by someone with the proper training, licensing, and background.

than what you can buy over the counter. These products can help maintain the results of a procedure once you are home

Consultation Your initial consultation is a very important part of the process. It gives you an opportunity to discuss your concerns and learn more about the nature of the procedure you wish you undergo. Make sure the

Comfort When you walk into a medical spa, you should feel at home and welcomed by the staff. It should

consultant listens attentively to your questions

feel like your own personal sanctuary. Look for special

and concerns, answering them to your satisfac-

touches that add to your experience. A medical spa

tion. Your consultation is the ideal time to ask any

should be a fusion of medical expertise with the pam-

questions you have about the facility, staff, and

pering of a spa.

services.

Safety Treatments

While medical spas are bringing new technology to look and feel younger, your safety should always be

Think about your treatment goals before you arrive at the spa. Goals appropriate for a

the focus. Be aware that your present health or skin

medical spa can range from treating fine lines

condition may prevent the desired outcome. Some bod-

and wrinkles, reducing pigmentation, remov-

ies reject aesthetic treatment or have limited results.

ing unwanted hair, or eliminating stubborn fat.

Ask about challenges for your particular skin type,

Once you have targeted your goal, ask what

and beware of medical spas offering a “cure” or “fix”.

the proposed treatments will accomplish. While

Depending on your goals and your specific situation (for example, if you are pregnant), you may want to consult

there are no guarantees, find out a reasonable expectation for the outcome of your procedure.

James Woodcock of The Billings Gazette

your doctor before booking treatments at a medical spa.

Keep in mind, not all treatments show results with one application. Ask how many treatments you will need to get the best results possible. Make sure the medical spa takes before and after pictures so you can easily track your results.

Considering the many factors that go into choosing a medical spa, the best thing to do is have a consultation. Asking the right questions will help you choose the spa that fits your needs. In the end, go

Cost

with your instincts, choose the spa that makes you feel most comfortable and you’ll be on your way to Don't focus solely on cost. Try not to choose a spa simply based on price. Most reputable medical

38

looking and feeling better than ever!

How to Choose an Interior Decorator

By Craig Barthel, President, Furniture Land USA and Carrie Klein, Interior Decorator, Furniture Your Way

A home’s interior should reflect your personality and unique style, but most people struggle with

•

Plumbing fixtures

creating the look they want. An interior designer can help you define your particular style and achieve that

•

Exteriors

look and feel in your home. Sometimes all it takes is moving your items around or adding a few more key

•

Landscaping and more

pieces to create the perfect living environment.

The right interior decorator can save you time, money and frustration. Whether your goal is to

Some decorators will even decorate your home for the holidays. They love what they do and always seem eager to help so use their knowledge and talents to make your projects more manageable.

update your home or do a complete gut and remodel, a decorator will be your best ally and quite possibly a lifelong friend.

Before hiring a decorator, think about your personal tastes. Spend some time leafing through

Identifying and matching your unique style The best interior decorators have strong personal design philosophies. The true decorating profes-

magazines and clip out designs that appeal to you. You could also look online and print out looks you like.

sional will take the time and have the ability to understand and reflect your style. They should fit in

Put them in a folder with a comment about why it attracts you. Seeing your preferences and comments

with your style, not the other way around. Choose a decorator who is flexible, communicates well and

will help the decorator understand how to fulfill your needs.

understands your vision for the space. Continue discussing time frames, costs and other details during

Knowing what your budget is also important before you meet with a decorator. Determining a budget isn’t difficult if you list all the items you’d like to replace or add as well as all the improvements

the proposal process. Make sure you’re completely happy with the product, the plan and the price before you make any payments or sign a contract.

you want to make. Then jot down both high and low price ranges.

You now have a maximum and minimum budget for your project as well as ideas for inspiration.

If you determine the project will be more than your budget, don’t get discouraged; continue the

Decorators typically charge a fee using one of three ways •

By-the-hour: charging you for the number of hours they work on the project; usually

process anyway. Decorators are notorious for decorating with limited budgets and being creative with

$75/hour.

what you already have in your home.

•

Cost-plus: the decorator purchases items for your home and adds a percentage to the cost.

•

A combination of by-the-hour and cost-plus. The key is not to have any surprises, so honest

Locating the right interior designer is fairly simple. Research the names and contact information of interior decorators in your area by looking in the local newspaper, online, and local furniture stores.

communication will be needed throughout the project.

If you like the style of furniture a particular store offers, ask if they provide an in-home design service. You can also search the yellow pages under interior decorators or ask family and friends. Now

could do yourself to keep costs down. If this is the route you want to go, let the decorator know upfront

of what they have to offer and look at samples. Choose the decorator you feel most comfortable with,

so they can be better prepared to discuss things you could do. You’ll need to trust and allow them to work

that connects with you and understands completely what you want to do. These meetings are also the

their magic if you choose the route of hiring a decorator. Decorating isn’t done ‘til it’s done. A decorator

time you’ll discuss the range of product costs and how they charge for their services.

has an overall vision in their mind of what the area will look like when finished. Avoid distracting them and

Interior decorators can provide help in many different areas of your home. Most people think of interior designers as just providing furnishings. Decorators will be glad to offer help on most anything that has to do with the inside or outside of your home. Most are knowledgeable and will refer others they’ve worked with in different industries if they can’t do it themselves. Decorators are very well networked.

40

Most decorators are okay with coming to your home and charging by the hour to discuss things you

choose three interior decorators to interview and schedule meetings at their office so you can see more

offering to help; most are focused and do their best work when left alone. However, if you see a color or style you can’t live with discuss your concerns with your decorator as soon as possible.

Once your project is on its way, sit back and relax, leave it to the professional and watch your room or home beautifully transform. It’s a good idea to take some before, during and after pictures to keep

The following are just a few things you can hire them to handle:

your Facebook friends informed. Chances are you’ll love the way your room or home looks once the job is

• Wall and paint colors and applications

completed, so refer your decorator to others and use her again and again. You’ll want to be on her short

•

Flooring

list so when you need something done in the future she’ll fit you in at a moment’s notice and will already

•

Cabinets and counters

know your style.

•

Window treatments

•

Organizing spaces

and communication you can find a decorator who will transform your house into a beautiful home, time

•

Appliances

and time again.

•

Lighting

Choosing and interior decorator might seem like a lengthy process, but through research, honesty

How to Choose a Memory Care Community Memory loss can be a frightening experience. For seniors, it is sometimes seen as a turning point.

There are new options in care services. People with Alzheimer's and other forms of dementia can get specialized medical care which can lessen the impact of memory loss.

These memory care communities are different from nursing homes or traditional assisted living centers in some

that the community has enough staff to provide quality care for your loved one.

important ways.

Staff members at these communities are specially

Secure, Comfortable Setting

trained and experienced in caring for those suffering with dementia. Activities and rehabilitative therapies keep residents

Quality memory care communities will resemble comfortable, inviting homes. They should not look like hospitals.

as independent for as long as possible. Typically memory care communities can be less expensive from the traditional

Ask questions about the activities offered to residents, how visits are handled and the types of therapies available.

nursing home.

The community should be clean and healthy without appearing sterile. The community’s cleanliness is an indica-

Staff

tion of the dedication of everyone who works there.

The experience and attitude of the staff members is

Courtesy of Canyon Creek

Because residents can sometimes forget where they

one of the most important considerations. They should treat

are, it is important to ask how the community protects its

all residents with kindness and respect.

residents. What kind of security features do they use?

The community should also provide continuing education to employees to assure everyone is up to date with the

Note your general impressions of each community you visit.

latest in memory loss research and assistance.

Always visit a memory care community before moving

Quality memory care communities have support

is clean and organized. The atmosphere should be calm and

services including care giver support groups for residents

relaxing.

and families.

Consistency and stability are important to those suf-

advanced. The community should be equipped to handle all

however, key leadership is essential to the overall function of

stages of dementia.

Ask about the ratio of care staff to residents during key

42

Symptoms from dementia can range from mild to

fering from memory loss. Some turnover of staff is typical the community.

Courtesy of Canyon Creek

Support

in a loved one. Tour the community to make sure the building

You and your loved one should be comfortable with the memory care community you choose. The best communities

times of the day and night, as well as the backgrounds of

can give residents a much needed boost and improve their

any medical professionals employed by the community. Your

overall quality of life.

loved one needs personalized care and attention. It is vital

We Are Memory Care

• All staff are specially trained in memory car are.

• Licensed nurses are on-site 24 hours a daay.

•W We offer at least nine scheduled activitiess a day. d

Ex xperience our community designed exclu clusively for those with memory loss.

Full time residency • Respite stay • Hourly care

24 Hour On-Site Licensed Nursing 1785 Majestic Lane, Billings • www.canyoncreekmontana.com

(406) 281.8455 43

How do you know if Implants are Right for You? Having a beautiful smile can improve your self-confidence and outlook on life. When you want to improve your smile and add function, you should consider getting dental implants. If you lost a tooth or teeth through an accident, disease or decay or just congenital missing them, dental implants are an excellent tooth replacement option for most.

An implant is a root-like replacement made of titanium, a metal that is bio-compatible and offers strength and durability and has the ability to fuse directly to the bone in a process called osseointegration. This serves as an anchor for crowns, bridges and dentures.

Implants today look more realistic than ever, but there are several things to consider when you are thinking about getting dental implants. It is important that you are generally in good health and that any conditions or medical problems that you have are under control and monitored by your physician. Uncontrollable diabetes, cancer and radiation to the head and neck need to be screened closely as that might affect the success of the case. Medications are also important to share with your dental provider before choosing implants. It is also important to treat any other decay or gum disease that may be present. It is a good idea to have a full mouth evaluation and X-rays which might include a CT scan before proceeding with dental implants. This will determine if there is sufficient bone amount and density as well as any gum disease or decay.

Sometimes, in complex cases, it takes a dental team to assess and plan dental implant treatment. The dental team can consist of an oral surgeon, peridontist or a general dentist with advanced training in implant surgery as well as a dental lab technician. Most implant placement procedures are done in the office under local anesthesia, once placed they are often allowed to heal for a period of time.

Implants can replace a single tooth, multiple teeth or all teeth. Dentures can either have snaps or be completely fixed like a bridge giving you a better fit and ability to eat.

Dental implants have limitations and are not as good as real teeth, but they are the next best thing. Dental implants do not have a 100% success rate; however, they have been proven over time and do have an average success greater than 90%. Although they will not decay they still need care and attention to cleaning and can get bone loss or peri-implant disease (gum disease and bone loss) similar to our natural teeth.

If you feel that dental implants could be a viable option for you, contact your dentist to schedule an oral exam. Many patients have Stockbyte

44

benefited from implants and feel that they have changed their lives.

ADverTiSeMenT

Implants can change lives When done right, implants can be minimally painful, look natural and heal quickly.

A good implant not only meshes well with the bone and tissue in the mouth, but it also has to look right and work properly. Dr. Spencer E. Zaugg, head dentist at High Plains Dental Center, has specific training, including a prestigious fellowship at Southern Illinois University in implant dentistry. While various specialists focus on one part of the implant process, Zaugg has the training to see the process through start to finish. This is still true when he teams up with oral surgeons and peridontis for complex cases.

“It all hangs on me,” he said For Zaugg, it’s a passion.

“It’s not just implants,” he said. “It’s artwork in progress. It’s sculpting and molding the tissue. It’s making sure everything looks exactly right.”

And he’s serious about being exact.

Before that dental implant ever exists in a patient’s mouth, it comes to life fully rendered as a computer-generated 3-D imagine where every exact detail is mapped out. X-ray images are used to generate computer models of the patient’s mouth, allowing Zaugg to plan down to a fraction of a millimeter just where and how an implant will sit.

“It’s not just a simple cookie-cutter

Dr. Spencer e. Zaugg

DMD Fellow, International Congress of Implantology

fix,” he said. “It can be very complex.”

That level of precision minimizes discomfort in the mouth and quickens the healing process. Being able to render the work first as a 3-D computer image means that the complex process of designing becomes a very simple process when it’s time to put the actual implants in the mouth.

“He is very thorough and when he’s working on your teeth you can tell he’s focused and not just rushing through,” one of his patients recently said. “He is also always upgrading his technology and

406-245-5556

you can just tell he loves what he does. I am constantly referring him to friends. I just can’t say enough good things about him.”

Zaugg’s interest in implants and working to restore smiles and improve oral comfort started in dental school at Southern Illinois University. As he neared graduation, he was weighing his options of where to specialize. Fellowships were opening up in the school’s prestigious implant dentistry program and Zaugg’s professors had seen in him an aptitude for the work.

“They came to me and offered me a chance to apply,” he said.

It was a marvelous opportunity to try his hand at something in which he knew he had interest. He was awarded the fellowship and soon found he also had the talent. The fellowship shaped the rest of his career as he continued to specialize in implants and earn various other certifications in his field over the next several years.

It’s important to Zaugg that implants are done right, whether the patient is a 17-year-old hockey player with a mouth full of broken teeth or an 80-year-old rancher seeking relief for teeth that have seen a lifetime of use.

“Implants can really change lives,” he said. “It’s fun to put people back together.”

176 So 32nd St. West Suite #2 Billings, Montana 59102

W W W. lo n g l i v e yo u rSM i l e .c oM 45

How to Choose a Gold Buyer Whether economic times are good or bad, people often use precious metals to shelter their money.

In the past few years, interest in gold has increased sharply. A growing number of Americans are rummaging through their house looking for broken gold jewelry. Selling gold necklaces, rings and other items has become a common way to get quick cash.

But this popular trend has been accompanied by less scrupulous experts who lack experience in determining the proper value of these items. Many pieces of jewelry might be worth more than their gold

fee for this service. It is the best way to establish the gold content when the piece lacks markings. Take it to more than one dealer or jeweler to verify the findings.

content or melt value.

The Better Business Bureau and the

Anyone can make a mistake, but fly-by-night opera-

Internet are valuable sources of information

tors will often offer far less than the melt value of the

about gold buyers. Poor dealers usually

gold in these items. They are counting on your lack of

leave a pile of complaints from disgruntled

knowledge.

sellers whom they've allegedly cheated. Do

Infomercials have also flooded the airwaves with ploys

not deal with these companies.

offering "immediate cash for your unwanted gold." But

Also, if a gold buyer operates from their

mailing gold in flimsy prepaid envelopes to these dealers

home or business unrelated to precious

is the same as dropping cash into the mail.

metals, drop that person from your list. They

Always exercise caution when selling gold. While

probably don't have enough experience to

many buyers are honest and reputable, finding them

provide an accurate evaluation of your items.

requires research.

It pays to use a local business. If you

Here are some tips to help you get the most money

must mail your gold items, insure the pack-

from selling your unwanted gold.

age and use registered mail available at the

First, do some research to determine the gold content

United States Postal Service. You could use

of an item. Remember that gold is soft, so it must be alloyed with other metals to increase its hardness and durability.

Jewelry usually has an inscription identifying the purity of its gold content. For instance, 24-karat gold

delivery verification. Do not trust someone you don't know and have never met.

Learn as much as you can before visiting a gold dealer. Information is your ally. There are reputable

contains 99.9 percent gold. It is measured in terms of a troy ounce, equal to about 1.097 avoirdupois

gold buyers doing business today, and they will pay you for the true value of your piece. Doing the proper

ounces, the kind of ounce we use in measuring butter, flour and body weight. One troy ounce of 14-karat

research and taking precautions will help you find the best people doing business today.

gold contains 14/24th troy ounce of the pure metal.

Next, take your gold items to reputable dealers in your area for their opinion. There may be a small

46

a shipper that offers package tracking and Jupiterimages

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www.ardiescoins.net 47

How to Choose a Paint Store Paint is one of the best ways to update the look of your house without breaking your budget.

A coat of fresh paint on the walls can change the atmosphere quickly and easily. Whether you do it yourself or hire a professional, finding a great paint store is a key part of the process.

Keep these aspects in mind when choosing a paint store.

Selection You can choose from an enormous variety of paint colors and textures. Oil-based and latex paints are available in a wide range of finishes and compositions.

offer suggestions and recommendations for your particular situation. They are very knowledgeable about their products.

They should also offer tips on how to apply the paint. You can spend money on high-end paint products, but applying them incorrectly will give

They are also available in different grades.

you terrible results.

Cheaper paint may be thinner, messier and harder

The paint store you choose should be able

to apply than its thicker, premium competitor. You will also have to determine if you want to work with

to offer you expert advice on all aspects of your

a primer. Some surfaces require specific primer,

project, from product selection to prep work and

while other surfaces require "paint and primer in

clean-up.

one."

Design

A good paint store will have far more than just

With so many color and style selections, a

one line of products. They will stock paint designed for concrete floors, industrial paints that can with-

good paint store can offer design advice for getting

stand certain temperatures or chemicals, paints

the look you want.

When it comes to paint, there are endless

that will reduce mold growth on the surface.

possibilities, and the best paint store staff will help

It may seem overwhelming, but more choices

you navigate through the selections. They will know

will give you better results and hold up over time.

the latest style trends and offer recommendations

Knowing your specific priorities and considerations Polka Dot

will help guide you toward the right paint for your

for color palettes that work well together. If you bring them a fabric swatch, they should be able to

project. create a duplicate color in paint.

Help

Choosing the right paints and accessories takes experience and -- quite often -- some trial and Don't be afraid of getting expert advice. Even the most experienced housepainters sometimes need

guidance.

That's where a quality paint store comes in.

Not only will the best stores sell good products, they will also have staff people who are ready to

48

error. Be certain to get prices for mixing sample colors up front. Don't be afraid to put small quantities of these sample colors on your walls to test out your design. Once you've selected the right colors, go back to the store to purchase larger quantities of the paints to complete your project.

Be Creative...

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The PainT

Paint with the best!

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49

How to Choose an Insurance Company These days, picking an insurance company is difficult. Many of them resort to gimmicks and funny commercials to get new customers. But when it comes to filing a claim, the laughs suddenly stop. How do you know if an insurance company will come through for you?

Choosing a good insurance company requires you to take a long-term approach. It is similar to a mathematical equation. Weighing a price quote with the quality of service and risks you'll be taking will provide the right answer.

Know your Policy First off, consider the type of insurance you're buying. You will have to take a look at the fine details and figures for each policy.

If you are in the beginning of this process, insur-

representative to communicate with clients. Others will discuss policies through their website or a 24-hour phone number.

Many insurance companies, however, use a combination of these methods. They might give you

ance representatives should act more like teachers

24-hour access to national representatives along with

instead of salespeople. Your choices may be compli-

a local advisor.

cated, with a range of pricing options, deductibles and exclusions. A good company will give you choices,

Ideally, the right insurance company will treat you well at every level of interaction.

explain them clearly and let you make up your own mind.

While reviewing your options, make sure you

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Financial Strength An insurance company is only as strong as its

are comparing similar policies. If a premium seems

balance sheet. Financial strength is especially impor-

unusually low, it might have a higher deductible or

tant these days.

more limitations.

It is vital that you get as much information as possible about each policy before making a decision.

Every insurer is independently rated based on their finances. An insurance agent should inform you of the company's rating and tell you what it means. A good rating means the company can make a payout in

Customer Service Of course, customer service always plays a key role in determining which company is best. If you've had friends or family who have filed insurance claims previously, ask them about their experiences.

Some insurance companies have better reputa-

While your insurance premiums are an important factor, it is just one piece of a complicated puzzle.

Choose a company that will not only give you a fair price, but who will also be prompt and courteous in the event you have to file a claim.

Each company has a different customer service

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treat you better.

will give you a good idea of how you might be treated

philosophy. Some of them prefer to use a local Thinkstock

well-capitalized insurance company is also likely to

tions than others. Gathering all of these experiences by them.

AbleStock

the event of a catastrophic event. A reputable, stable,

Insurance • Medicare Preparing for Retirement 401 K Plans • Mutual Funds Financial Solutions

Roger L. Daniel Insurance Group

406-252-3411 • rdaniel@farmersagent.com • 2047 Broadwater, Billings, MT 51

How to Choose a Credit Union In these tightening economic times, many people are finding out that credit unions have a lot to offer. It is a great place to find a financial solution while helping your community.

Credit unions are typically not-for profit operations owned by their members. They are not owned by

search to see if the loan is issued by the credit union.

charge less in fees than for-profit banks. Any dividends

Once you have found several credit unions that offer

go to the members instead of shareholders.

that type of loan, compare interest rates and specials

They usually offer better interest rates on deposit might get a fantastic rate on a mortgage, auto loan or

and weekend hours, where branches and ATMs are lo-

credit card.

cated. You should also understand any fees associated

Also, the federal government stands behind credit

with ATM usage. If you use ATMs frequently, those

unions. Most deposits are insured by the NCUA up to

charges can add up fast. Some credit unions offer

$250,000.

programs where your ATM fees are refunded. Many unions for shared services. It might mean more access

membership requirements. Some credit unions are

to ATMs and other services in case you move or go on

available to employees of specific companies, groups

vacation. If you have children attending college in other

of public service or school employees (SEGs) and

cities or states, this can be useful.

some are Community Chartered and you simply need

Once you have completed your research, make a

to live or work (sometimes worship or attend school)

list of the advantages and disadvantages of each credit

within a designated area, usually defined by County.

union. You can easily compare them.

Upon choosing your credit union, visit the branch so you can understand all of the services. Learn

A simple Internet search is an excellent starting

more about the benefits of membership. With a little

point. Develop a list of credit unions in your area. Then,

research, you will find that a credit union is a fantastic

narrow your possibilities by researching eligibility, ser-

way to avoid the hassles often experienced from

vices offered and fees charged by each credit union.

conventional banks. You will not be disappointed!

Most credit union websites will provide you with all the information you need to make an educated decision.

credit unions belong to a national network of credit

step is to research those in your community and their

ate family, regardless of where they live or work.

52

Of course, convenience is something to keep in mind. Check for availability of online services, weekday

And the eligibility is extended to the member’s immedi-

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to see who has the best deal.

accounts and competitive rates on various loans. You

Selecting a credit union is not difficult. The first

Jupiterimages

If you are in the market for a specific loan, re-

individuals or conglomerates. Credit unions typically

These days, credit unions are a good deal.

Thinkstock

count type along with current rates.

Requirements and fees are spelled out for every ac-

How to Choose a Gym Do you find gyms intimidating?

When people think of fitness facilities, they imagine a bunch of thin, beautiful people wearing expensive workout clothes. In reality, people of all shapes and sizes join gyms. These facilities are a fantastic way to lose weight, stay fit and have fun. Gyms can help you achieve your health and weight goals. Experts at the facility will be happy to educate you about nutrition and wellness.

A good workout releases endorphins, which improve your mood and fight stress. Exercise also

Personal trainers can be especially helpful if you need instruction or encouragement. Each trainer

increases energy levels and improves sleep. Building muscles helps you burn calories more effectively.

will have his or her style of communication -- from mild and uplifting to severe and harsh. They will help

Consistent workouts lower blood pressure, while reducing the risk of some types of cancer, osteoporosis

you map out realistic goals that are tailored to meet your individual needs.

and Type 2 diabetes.

A good personal trainer will offer a health assessment before working out with you. He or she will

Many people have a hard time forming good

understand your physical limits and then work

fitness habits. Fitness regimens can be difficult to

to expand those boundaries safely. He or she

maintain. We often create excuses or our schedule

will constantly ask you to do just one more

simply doesn't permit time to exercise. It can be hard

rep, one more minute on the machine. If your

to stay motivated. But when you have exhausted all

trainer seems without compassion or pity, it

of your excuses and a healthier lifestyle becomes a

is only because he is pushing you or your own

priority, then finding a gym is a fantastic first step on

good. These professionals will also give advice

the path toward a happier life.

on nutrition, effective gym routines and proper

Joining a gym will help cure the boredom you

stances for weight training.

might feel when working out. These facilities have a

If you have health restrictions such as joint

variety of equipment, programs, classes and teachers.

pain, low-impact workouts are available. One

You can alter your workouts easily and keep exercise

such low-impact workout is Pilates, as it uses

interesting.

smooth motions and gliding actions to tone

Paying for membership increases your chances

muscles and improve flexibility.

of working out. It is harder to form excuses to skip

Many gyms have a pool. They might

exercise. Becoming a member is a great opportunity

Digital Vision

to meet people with similar health goals who can offer motivation and support.

Once you've decided to join a gym, the number of choices can seem daunting. Keep in mind that gyms should be inspiring places. You will need to feel comfortable and motivated to keep coming back.

The right facility for you might not be the right place for someone else. Each gym has different classes, programs, amenities and services to help members work on their abilities and goals.

54

even offer aqua aerobics. This comprehensive workout uses the water's resistance for extra

toning. It is usually very safe for people with joint pain. If you can find a private instructor, you can get an excellent workout involving both cardio and endurance training.

When choosing a gym, remember your future goals. Whether you opt for the services of a personal trainer, or participate in a Pilates, weight training or water aerobics class, your aim should be to improve constantly and have fun.

Join the BaC for only

$20

Plus get 3 Personal training sessions • Strength Training Equipment • Large Cardio Fitness Room • Racquetball Courts • Swimming Pool

• BasketBall Court • Over 50 Group Fitness Classes Per Week • Nursery • Hot Tub, Steam Room, Sauna

CALL 259-2626 •

15th & Broadwater www.bacfitness.com

www.bacfitness.com

55

How to Choose a Cancer Treatment Center Courtesy of Billings Clinic Cancer is a wide-ranging and complex disease. When faced with a decision about where to receive care at the onset of a cancer diagnosis, there are many things to consider. Making a checklist about the key things to look for in a cancer center is important. Below are some things to consider.

Does the Cancer Center include Specialty Physicians?

Cancer care should involve a team of physicians who work together to provide a comprehensive

shouldn’t be the only thing considered.

There are a number of program accreditations that are important to consider when it comes to

approach to care. Choosing a team of doctors who have both expertise in the treatment of cancer and

the quality of care one might expect to receive at a Cancer Center. Some national quality designations

a willingness to work as a member of the multidisciplinary team is an important decision for someone

to look for include Joint Commission, American College of Surgeons’ Commission on Cancer, National

diagnosed with cancer.

Accreditation Program for Breast Centers, American College of Radiology Center of Excellence, American

Often times, patients select cancer doctors based on their type of cancer and treatment needed.

Society of Clinical Oncology Quality Certification Program, and Magnet.

Qualified specialists will provide guidance to patients with cancer throughout the treatment decisionmaking process. Active communication between the team of physicians through “tumor board” discussions ensures everyone has a clear understanding of the desired treatment course.

Receiving treatment at the same center where one’s cancer specialists practice is quite advantageous. Doctors will have connections and established working relationships with other staff that can assist during treatment and the recovery process. A center that has nurse navigators, financial counselors

Does the Cancer Center Include Navigator and Support Services?

Coordinating cancer treatment among multiple cancer specialists can be overwhelming for patients.

The top cancer treatment centers recognize the important role of care navigation and offer this service to their patients along with a wide range of other support services.

Navigators can assist in care coordination as well as provide additional education on diagnosis

and psychosocial assistance can provide support,

and treatment options. Navigators can also

from diagnosis to treatment, and throughout the

connect with nonprofit groups and community

course of therapy.

health resources. Many cancer centers also have counseling, support groups, and wellness

What Insurance does the Center Accept?

programs for patients and caregivers to connect with others going through similar situations.

Insurance coverage is another consideration.

Reviewing policies and verifying that the treatment

These important services go beyond medicine

center is covered by insurance is important. Under-

for the body to help patients heal emotionally

stand the deductibles, co-pays and coverage limits

and mentally. Most cancer patients and loved

that are already in place.

ones find these services invaluable!

Where is the Cancer Center Located?

Does the Cancer Center Include Specialty Treatments, Research and Clinical Trials?

Treatment may involve lengthy and repetitive

Finally, some cancer treatment centers

chemotherapy or radiation treatments, so traveling for

offer specialized care, such as gynecologic

long periods of time can be physically, emotionally,

oncology, stem cell transplantation and surgical

and financially exhausting.

Digital Vision

People often think that large, out-of-state cancer facilities will offer better treatment, but that is generally not the case. Although cancer treatment can be complex, centers that have oncologists that follow national guidelines and provide access to clinical trials

oncology. These subspecialists have additional

training and provide a higher level of cancer care.

Many centers are on the leading edge of medical research. Best practice for cancer care is having

can provide a very high level of cancer care. Depending on the diagnosis and recommended treatment,

access to clinical trial. Depending on the diagnosis and doctor's recommendation, clinical trials may be

treatment close to home is likely an option.

an option.

What Program Accreditations Should Be Considered?

the cancer center’s services will meet the care needs of the individual seeking treatment can make or

Developing a strong relationship with the physicians and staff providing the care and ensuring that Asking friends and family who have had cancer or supported loved ones with cancer for advice and detailed impressions about cancer treatment centers they used may help with decision making, but this

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break a cancer experience. Using this list as a guide can help provide some direction and ensure that the care being delivered is exceptional.

The

Gamma Knife is here!

Brain Surgery without Surgery

Illustration courtesy of Elekta

The only Gamma Knife in 5 states!

The Gamma Knife – the alternative to traditional brain surgery.

Gamma Knife Perfexion® radiosurgery – now available at Billings Clinic – is the most advanced treatment available for brain cancers, as well as select functional disorders. There is no scalpel, no incision, and no general anesthesia. Most patients are treated during a single outpatient session and resume normal activities within a day or so. Treatment is coordinated by our highly-trained team of specialists and delivered using nearly 200 very small beams of radiation focused on a precise location, or target, within the brain – often reaching regions of the brain where traditional surgery may be too risky. The shape and dose of the radiation is optimized to hit only the target, without damaging surrounding tissue.

For more information, call (406) 255-8400 or 1-800-252-1246. billingsclinic.com/gammaknife

Billings Clinic Gamma Knife Team (pictured L-R): Mark Piedra, MD, Neurosurgery; John Schallenkamp, MD, Radiation Oncology; Dennis Cheek, PhD, Medical Physics (not pictured): Eugen Dolan, MD, Neurosurgery; Miguel Lopez-Gonzalez, MD, Neurosurgery; Christopher Goulet, MD, Radiation Oncology; Michelle Proper, MD, Radiation Oncology; Christopher Veale, MS, Medical Physics

57

How to Choose Kitchen Cabinets Adding style or color to your kitchen cabinets is a great way to spruce up your living space.

You don't have to spend a lot of money to accomplish your goal. Some experts recommend spending up to 20 percent of your home's value on any remodeling project. For a home valued at $100,000, for instance, homeowners might spend up to $20,000 on updating the kitchen. Of that money, about 40 percent should be spent on cabinets alone.

Why spend so much money on cabinets? Because they are the focal point of your kitchen. They must be attractive and useful.

Anyone planning to sell their home should purchase high quality cabinets that will appeal to a wide

You may need to change the cabinets once you have ordered them. Ask about the consequences should this situation arise. There may be an additional fee to make a change after a period of time.

Get everything in writing. Most cabinetmakers are honest and hardworking people, but a contract

selection of buyers. But if you plan on spending more than eight years in your home, put your family's

should stipulate what is expected of both parties. Do not sign anything until you understand the contract

tastes and priorities first.

and have read it completely.

Custom-Built Cabinets

Pre-Built Cabinets

Most homeowners agree that custom-built cabinets are an excellent choice.

When you are on a tight budget, consider pre-built cabinets. You can still receive quality for a little

The best part is that you can choose any style you

less cost.

want. The only limitation is your imagination. You can

First, look for pieces made with real

specify the color, hinges, rollers and even have special

wood. Particle board is not as durable. The

finished applied to the cabinets.

cabinets must also feature solid construc-

For this option, it is essential to work with a

tion. There should be warranties on the

professional. Ask your friends and family if they know

hardware, slides and other components.

experienced cabinetmakers. Tradesmen in your area will

Choose a company that has a long

likely know cabinetmakers. If you are using a contractor,

track record. You should be able to find them

solicit him or her for recommendations.

if the need arises.

Visit two or three custom builders in your area and

Quality companies will also allow you to

discuss your preferences. Ask to see their work. Be sure

order special sizes. They will be slightly more

to outline your budget and specifications. A professional

expensive, you will appreciate the results.

will give you a reasonable timeframe. You may need to Regardless of the choices you make,

live for an extended period of time without a kitchen, and

always choose to purchase cabinets from

that can be difficult.

Take a look at special finishes. Some people adore

Jupiterimages

to have the cabinets match other colors in the kitchen. Your custom cabinet builder should apply the

they do. Look at their previous work and get in touch with previous customers. Once you do this legwork,

finishes himself.

there is no doubt you will be happy with the results.

Check the quality of the materials the builder is using. Hinges, heavy duty slides and 他-inch solid wood should have a lifetime guarantee.

58

a company that has been in business for a long time. They should be good at what

the antique or distressed look. Other people prefer

c e l e b r a t i n g o u r 2 5 th a n n i v e r s a r y cabinets | countertops | appliances | stools and chairs | furniture | remodeling

Let our award-winning design team make your kitchen dream a reality!

6 5 2 - 5 7 7 2 1 0 1 0 S . 2 9 t h S t. W. M o n – S at 9 a M – 5 p M W W W. k i t c h e n S p l u S M t. c o M 59

How to Select the Right Insurance Agent Shopping for the right insurance agent can feel overwhelming. After all, there are plenty of things to consider. You need to find a company that offers the right mix of service, coverage and an affordable price.

The challenge may simply be not knowing how to identify a reliable, reputable agent. Remember

Select a company that is highly regarded by consumers. Read reviews of each company to deter-

that everyone needs insurance coverage. An experienced agent can walk you through various options,

mine who has the most satisfied clients. Are they easy to work with? Have there been any problems with

keeping in mind your budget and lifestyle.

collecting on a policy?

Also, check that any prospective agent has

Before choosing an insurance plan, you will

all necessary licenses and training.

need to identify an agent to guide you through the

After narrowing your list of prospective

process. Your financial future depends on finding the right person to help you get insurance that will

agents, make an appointment to visit each one.

fit your needs.

Prepare a list of questions and concerns about your personal situation. Take notes during your

Your family, friends and colleagues have likely worked with insurance agents in the past.

meeting. Remember that you must feel comfort-

Ask people you trust for referrals. If you receive a

able with the answers before purchasing a policy.

If an agent tries to pressure you into making

recommendation, it is because that person has had a positive experience. There is a good likelihood that

a decision right away, inform him that you need

you will have similar results.

more time and cannot sign anything immediately.

The right agent will focus on educating you

Successful agents understand that offering great service will keep them in business. Their

on all of the products and help you make the right

careers depend on word-of-mouth. If you are happy

decision for your needs. They will give you useful

with the service you receive, your insurance agent

information and not subject you to high-pressure

will appreciate your willingness to refer acquain-

Stockbyte

tances to her in the future.

If you do not have recommendations, begin researching your options. Begin by looking at local companies and brokers.

Large insurers give all of their agents the same training. Each agent will be subject to the same company policies. In some ways, that can be comforting. However, agents at large companies may lack creativity and flexibility in how they handle their accounts.

As you conduct your research, be thorough and critical. Buying a policy is similar to purchasing a new car or home. It is truly that important.

60

sales techniques.

Your agent should be available. The relation-

ship doesn't end once the sale is completed. Your dialogue should be continuous. The best agents are available in the event you have to file a claim.

Agents who have been in business for many years likely have a good reputation and track record.

They understand the policies and will even take extra care that you are properly protected.

It is essential that you choose the right type and amount of insurance to adequately protect yourself and your financial future. The policy should be tailored to fit your specific needs.

A seasoned, skilled insurance agent will be an invaluable resource for safeguarding your future.

61

How to Choose a Vacuum Dealer A quality vacuum cleaner will give you years of good service. Why go through the frustration of dealing with a cheap vacuum cleaner? Sure, you can buy them almost anywhere: department stores, big-box retailers and even specialty shops all carry them.

But these inexpensive cleaners are destined to let you down. Your carpets will soon look so dirty that you

products. Not only will they discuss advantages and

will have to pull up hair and lint by hand.

disadvantages of certain brands, they will also tell you

Pay more for a quality vacuum and spare yourself heartache down the road.

Reputable vacuum dealers in your area will be

one that allows you to bring back your vacuum if you aren't completely satisfied with its performance or if it

track record is proof of a stellar customer service.

is too cumbersome to use. ranty. The best vacuum dealers offer in-house repairs

and features side-by-side. You will soon understand

and solid customer service when something breaks.

Take a look at products in different price ranges.

Beware of stores offering only one side of the spectrum. Top-notch dealers have a variety of vacuums at

um dealers. Take their experiences into consideration.

Any store can sell you a vacuum, but not all of them will know about their merchandise.

Choose a vacuum specialty dealer who has the best product knowledge, replacement parts and cus-

shopping is critical to finding the best machine for your

tomer service. It is possible that you might pay more at

money.

first, but you will get a long-lasting deal.

drain your finances. Models in the middle to higher price range will last for many years because of their higher quality and construction. You won't need to replace your vacuum every year or so.

Your friends and family may have leads on vacu-

different prices ranges. They know that comparison

Purchasing replacement parts in a few years will

62

You should also understand your model's war-

quality brands. They will also let you compare models

competitors.

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Ask about the store's return policy. It is better to choose a retailer who has a generous return policy,

dealer who has been in business for years. A long

what makes some brands and models outshine their

BananaStock

why some aspects are superior to others.

happy to help you find the right model. Look for a

The best vacuum dealers carry a variety of top-

Thinkstock

The best vacuum dealers know about their

Clean Home SolutionS Are you building a new home?

Include a Riccar Central Vacuum System • Central Vacuum Systems have a unique role to play in “green” homes. By removing 100% of vacuumed dirt and dust, they ensure healthy indoor air and reduce the discomfort of allergy sufferers by more than 60%.

• improved indoor air Quality Riccar Central Vacuum Systems can help improve indoor air quality by capturing 100% of all vacuumed dirt, dust and allergens with no recirculation of particles back into the living area.

• all you discard is the dust Unlike uprights, which are often discarded after only a few years, Riccar Central Vacuum Systems keep up worry-free cleaning for decades. A Limited Lifetime Warranty ensures it.

• Say no to noise pollution Riccar power units feature sound-dampening designs that keep homes peacefully quiet.

Recommendations: • “Using central vacuum systems that are vented to the outdoors can significantly reduce dust mites, pollens, animal dander and other allergy causing agents.”

– U.S. Environmental Protection Agency

• “Central vacuum systems are among the best indoor air quality investments for your home.”

– BUILDER Magazine

• “Allergy sufferers’ symptoms can be improved up to 61% when using a central vacuum system.” – University of California Davis School of Medicine

• “The healthiest type of vacuum to operate is a central vacuum that is vented outdoors.”

– The Healthy Home Institute

Great Benefits of owning a Central Vacuum System...

• Powerful - more power than portable vacuums • Convenient - lightweight hose and attachments • Quieter, cleaner, healthier - power unit is located outside of your living space (garage, crawl space, basement) - so no recirculation of dust, allergens or noise • affordable - adds value to your home

How a Central Vacuum Works • A network of concealed pipes connect a powerful central vacuum unit to conveniently located inlets inside your our home.

• Just plug the lightweight hose into the inlet, turn the system on using the switch-on-hose and you're ou're ready to clean!

• Your home will be the cleanest its ever been. Simple and easy.

Where Vacuums Grow On Poles.

Clean Air Clean Home. Billings Best Source for Quality Vacuums, Air Purifiers & Central Vacuum Systems

Sales • Repair • Service We carry a large selection of cleaning supplies and accessories.

1804 Grand Ave. • (406) 656-8681 • 1-800-822-6261 Open 8:30-5:30 Monday-Saturday • www.stuartshouseofvacuums.com 63

How to Choose a Hotel Staying at a hotel is a great respite away from stress or your familiar routine. With great amenities you can use time to simply lie on a bed and relax, or unwind in a hot tub or pool.

Or maybe you are searching for a place to stay during a family vacation, business or road trip. Perhaps you are in between homes and need temporary accommodations.

Whatever your reason for staying in a hotel, you should be careful in your decision-making process.

Pick a hotel that has a perfect combination of cleanliness, fun amenities and superior customer service.

Here are a few guidelines to help you choose your hotel:

Prices Your budget will play a huge part in your decision. Research a few locations to see which hotels offer the services you want at a rate that makes it a great value.

You might be qualified for a discount. Hotels and resorts often offer discounts to people who are in

Search

the military, have AAA memberships or are senior citizens. If you are on a business trip, your employer

Conduct an online search for all hotels that are in close proximity to where you will be.

may have an arrangement with selected hotels to provide a discount for employees. You can call the hotel

If you have a meeting in a city, for example, you should look for hotels in the area of your destina-

direct or check online for pricing and information on specials.

tion.

Reviews

When you are simply looking for a vacation hotel, be sure to look for a facility

Customer reviews will give you important insight

in a central area, close to entertainment,

on specific locations. You can find them on sites like Trip

dining and shopping.

Advisor. Let the reviews guide you on how you will spend

It is likely that there will be many hotels

your money.

in your desired area. Choose the five closest

The more reviews you read, the better. It will give

hotels. That way, you will not have to drive

you a balanced assessment of a hotel. Previous custom-

or walk far to reach your ultimate destina-

ers can answer questions about the friendliness of the

tion.

staff and the condition of the rooms. Former hotel guests are typically unafraid of talking about negative experiences

Amenities

at an establishment.

The next thing to consider is the

These reviews could serve as a prediction of how

amenities. Visit the websites of each hotel

the hotel staff will treat you. When you see a significant

you have chosen and look at the features

amount of negative comments and ratings, remove the

and services.

Courtesy of C’Mon Inn

If you are staying for one-night, you might just be looking for a quiet spot to sleep. Every hotel offers different amenities. If you are staying for several days, you might want free access to a fitness center, pool and hot tubs. Some places have a continental breakfast while others offer a full breakfast at no extra charge.

hotel from your list.

Selection Pick the top two hotels from your list. If possible, visit them so you can get a feel for the establishment. If they are part of a chain, you could visit another branch facility and ask questions. The concierge

Look for other special features that set them apart such as interior gardens and water features. Also and staff should be happy to talk to you. Some of them may have even stayed at the hotel on your list. note any additional free services such as cable television with movie channels, kitchenettes, refrigerators

You can also ask friends who have traveled in the area for their advice.

and gaming consoles. And of course, free Wi-Fi is a must.

After you have taken all the necessary steps, make an informed decision. The extra time and effort

Accommodations The hotel should offer a choice of comfortable room options with beds to fit your needs. Some offer luxury suites with king size beds, private Jacuzzis, wet bars, or fireplaces.

64

will ensure a pleasant and fun stay. After all, your hotel serves as your home away from home.

This is Montana…

EscapE ThE ordinary.

Our unique open courtyard with waterfall and fish pond provides guests with a sense of tranquility while allowing them to enjoy the many exceptional amenities available.

We have a great choice of rooms to fit your needs including deluxe rooms with balconies overlooking the beautiful courtyard, or suites with king size pillow top beds and special features such as private jacuzzi, fireplace, or wet bar.

Enjoy these great amenities: • Inner courtyard with waterfall, bridge and fish ponds • Jacuzzis • Pool and kiddie pool • Full complimentary breakfast • Workout room • Business conference room C’Mon Inn and experience our warm and friendly resort atmosphere. We look forward to serving you.

HOTEL & SUITES

2020 Overland Ave. So., Billings, MT 800-665-1170 www.cmoninn.com/billings 65

How to Choose a Financial Adviser You don't need to be rich to have a financial adviser. These professionals are trained to help you prosper financially, or at least use your money wisely.

A great financial planner will teach you how to manage household expenses, pay the lowest taxes possible adviser with a solid rate of return conducts research to strengthen his clients' portfolios. and how to plan for retirement. He or she will also tell you about handling investments. They can guide you through unstable economic times.

Not everyone has the same financial goals. A good adviser will help you plan for your future. To find a reliable financial adviser, start by asking your social network. Friends and family may have some suggestions.

Remember, research each adviser with an eye toward your own situation and goals.

During tough or stagnant economic times, experience will play a vital role. Has your adviser weathered previous economic slowdowns? Do clients thrive in bleak environments? Or have clients taken multiple hits to their portfolios?

You should be wary if clients appear to be doing too good during tough times. Someone with an extraordinary success rate might be too good to be true.

Once you have a list of three or four possibilities look carefully at each choice. It might be a good idea to pick a financial adviser who is a certified financial planner. Someone with certification has completed specialized training and passed rigorous exams.

Once you have discovered each adviser's qualifications, contact the certifying organizations to find out if there have been any complaints against each professional. If so, find out how the complaints were resolved.

Financial planners sometimes receive awards. If any of your considerations have been recognized, contact the awarding organization and verify that the planner is telling the truth. Ask what qualifications were met to receive the award.

Fees or Commissions Inquire about how your adviser is paid for services. Most offer fee-based or commission-based services.

It will greatly influence your selection.

A commission-based adviser is prone to suggesting financial products that offer a professional commission. It could needlessly increase your exposure to risk. Only use a commission-based adviser if he or she has a proven track record of success and also has your best interest in mind.

When you need someone who puts your best interests first, go with a fee-based adviser. He or she will be compensated only for the time spent on serving your

Then request a list of satisfied clients who have

portfolio.

goals comparable to yours. Contact them to talk about their experiences.

Interview Areas of Expertise

Once you have narrowed your prospects to two

Financial products can contribute to your well-

or three possibilities, schedule a meeting with each

being and peace of mind. Some common investing

professional. During this consultation, communicate

tools include bonds, mutual funds, stocks and com-

your goals honestly and clearly. A financial planner

modities.

should be someone who will guide and inform you. He

Weighing risk is essential. Some products will

or she will continually increase your knowledge about

undoubtedly be better for your portfolio than others.

your current financial situation and how to improve it.

An experienced financial adviser can customize a

Put it in Writing

portfolio especially for you.

Once you have narrowed your list to one or two

You can also do some research to find a seg-

advisers, ask each to write a plan for moving you from

ment of the market that might be a good fit for your

where you are to where you want to be. Get a written

situation. Then look for an adviser who specializes in Jupiterimages

that investment. For example, if you want to invest experience in that market. If he or she doesn't, then cross that person off your list.

copy of this proposal.

This document should have your short-term and

in commodities, your potential adviser should have

long-term goals, and also state who else will profit from the proposal. This plan should be written clearly so you completely understand it.

Rate of Success Success rate will also play a prominent role in your decision. Look at the rate of success for each adviser.

Has the rate of return on his recommendations outpaced the average market rate of return over time? An

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Once everything has been completed to your satisfaction, you can choose a financial adviser. Then you can comfortably relax and know that your money and future are in good hands.

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How to Choose a Veterinarian Most people think of their pets as members of their family. In fact, some people even refer to them as fur children. That's why finding a veterinarian or veterinary clinic is so important. You need to find qualified care to ensure the long-term health of your pet.

But in a difficult economy, pet care might get overlooked. Routine care might even seem unnecessary. After all, do humans skip medical and dental check-ups if they seem like they're in good shape?

Unfortunately, pets age faster than human beings. Their bodies and internal systems can change rapidly, sometimes in a matter of a few months. When you take your pet to his doctor regularly, you can

Some people need extra services, such as daycare, boarding facilities and pet training. You may also need to have your pet groomed. Find out if the prospective veterinary clinic provides these services.

catch an illness in its beginning stages. As you know, catching a disease early can save you hundreds or thousands of dollars.

Routine veterinary care will ensure your pet lives a long and happy life.

Choosing a good veterinarian that suits you and your pet can seem like a difficult task. If you follow

Make a Visit After making a list of choices, visit the veterinary office or clinic. Call ahead and request a tour of facilities. The staff should have the time to answer your questions.

You should see a clean and well-maintained

these guidelines, you should be able to find a professional that will give your pet the best care

office. Observe how the staff interacts with clients and

possible.

pets. Are they warm toward the animals and owners?

The employees should have an affinity for animals.

Ask for Referrals

Sit in the waiting area and introduce yourself

Your family and friends may know a good

to other clients. Find out if they are happy with the

veterinarian. Listen to their experiences with

services and staff. Also, inquire about prices to verify it

a critical ear. You need to find someone who

is within your budget.

is professional, compassionate and timely.

If you feel uncomfortable during your visit, con-

Ask specific questions, such as whether the

sider taking your services elsewhere. Visit their website

clinic staff likes animals. Do they respond to

and other online resources. Is their website profes-

concerns in a timely manner? Does your pet

sional and helpful? Can you get information about your

require the services of a specialist for a difficult

pet or their conditions when the office is closed?

or complicated problem? Are there specialists

Finding the best vet for you and your pet will take

in your area?

time and research. You should put the same effort into

Research veterinary and veterinarian clinics on the Internet. Make a list of prospective candidates, then check with the Better

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finding a doctor for your animal as you would in finding Jupiterimages

one for yourself.

The bottom line is that your pet's health is a co-

Business Bureau in your state to see if there have been any complaints against these professionals. How

operative undertaking between you and your veterinarian. Finding the perfect vet for you and your furry,

were the complaints resolved?

scaly or feathered friend will ensure your pet is with you for years to come.

How to Choose an HVAC Company When your heating or air conditioning system fails, it can be a nightmare. Whether it is a cold winter day or sweltering hot outside, the HVAC system in your home is vital to your comfort and safety.

Most people cannot tolerate extreme temperatures. The elderly and people with chronic health problems need to have the temperature stabilized in their homes.

Prolong the life of your HVAC system and prevent equipment failure by hiring a qualified professional to service and maintain it.

The best HVAC contractors are helpful and reliable, but a poor contractor can cost you extra money and heartache.

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, and the American Society of Heating, Refrigeration and Air-Conditioning Engineers. Membership in one of these organizations is not automatic. Applicants are required

Ask people in your social network whom

to have certain certifications, meet professional

they might recommend. Good word of mouth will

standards and meet or exceed other requirements

go a long way toward helping you find the best

before they are admitted.

professionals in your area.

Before any work begins, verify that all the re-

After creating a list of candidates, call the

quired building permits are in place. Most companies

Better Business Bureau, your state's board of

will file permits on your behalf at the local building

contractors or builders' association to check on

codes office. But don't assume that it has happened.

their reputations. Your town's building inspection

Check with the permitting office first. Work done

office may also have information for you. Avoid

without proper permits could result in a fine and time

companies who have many complaints on their

delay.

record.

Have a load calculation done before installing

Upon narrowing the list, call the remain-

a new system in any building. The best companies

ing ones and ask about pricing, guarantees and

perform a thorough calculation rather than estimate.

warranties. Also inquire about how long it would

Buildings change over time due to foundations

take to complete a job and the manufacturers'

cracking or settling. It will affect the efficiency of any

brands they use.

liquidlibrary

If you are purchasing new equipment, find

The HVAC company shouldn't use the old unit

out if you need a separate service contractor or if routine maintenance and repairs are included in the

to determine the proper size of a new one. If your old unit was inadequate, you will want to install a unit

price of installation. Does the company provide around-the-clock emergency service?

that is a different size. Speak with your HVAC installer to determine the right size and model for you.

High quality HVAC companies are fully licensed, bonded and insured. If a worker is injured or causes damage to your property, that insurance should cover it. Otherwise, you could be liable for the damages. Your insurance premiums would likely increase as a result.

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equipment.

Ask your HVAC contractor to perform annual checkups to verify that the unit is running at peak efficiency.

With these tips, you can choose a reliable HVAC business that will help you for years to come.

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How to Choose a Dry Cleaner & Laundry Service Why is it Important to Have Your Clothes Cleaned and Pressed Properly?

Courtesy of Stacey Frank, Valet Today Cleaners We live in an era that is fast-paced, where time is money and the value of time is immeasurable! Between juggling work, family, kids’ and grandkids’ events, volunteering, and on and on, Americans have to prioritize carefully and decide what their time is worth.

Working couples spend an average of three hours doing laundry every week.

You can add one hour of laundry per week for each child they have on top of the three hours. What would you do with 3 to 6 extra hours per week? How much would you pay for that extra time? In most cases, for approximately $50.00 per

Ask your friends, family and/or co-workers for

ences they have had with local companies. Always ask more than one person about their experience with a business.

•

You can also check reviews on Internet sites;

to close a business deal or on a first date, your success can

however, remember that those reviews are sometimes

literally come down to a nicely cleaned and pressed shirt or

placed on sites by people who are not legitimate customers.

suit. The term “look good feel good” isn’t just a cliché. Having

Reviews, whether negative or positive, can be put on sites

a well put together wardrobe really can boost your confidence

to intentionally discredit businesses or make a business look

and help you have the competitive edge. What is your suc-

better than it really is.

cess worth?

So, now that you have determined your time is valuable

•

It is wise to check prices to get a feel for which

cleaner is offering a fair price. When price checking, always

and you want to make the best impressions, how do you pick

have a list of 5 to 6 items to ask about. Make sure you ask

a dry cleaner? There are three things to consider: conve-

each cleaner for the price of the same service on the same

nience, quality/price, and community care.

type of garment, so you’re comparing apples to apples.

Convenience

Community Care

• •

Look for a cleaner that is located close to where Look for extra time saving conveniences such as

•

Look for a cleaner that does not use Perchloroeth-

ylene (Perc) which has been linked to environmental issues.

Ask a manager or the owner of your cleaner if the cleaner

drive through service, residential and commercial pick and

uses environmentally safe cleaning processes. Lastly, look for

delivery, 24 hour drop box service, and same-day service.

a cleaner that is involved with giving back to the community.

•

Look for a cleaner that offers “full service” clean-

ing so you can get all types of garment care such as leather cleaning, alterations and household cleaning done by one

•

pressed, and get back your valuable time.

you live or work.

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It’s always best to hear first-hand about the qual-

recommendations regarding dry cleaners and the experi-

tive, where first impressions matter! Whether you are trying

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ity of services offered by a business.

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How to Choose a Towing & Recovery Company When your vehicle breaks down, it can be a frustrating experience especially if it happens after hours or on a Holiday. Plan ahead.

Do not wait until you are in a desperate situation to begin your search for towing services.

How do you find a reliable Towing & Recovery Company? Here are a few pointers.

Talk to the professionals and ask for recommendations from trustworthy sources such as your

damage to your vehicle to determine the type of recovery

mechanic and colleagues who may know or have

equipment needed. How many passengers are with you

worked with quality Towing & Recovery Service Provid-

that need transporting? Is your vehicle or accident block-

ers. Ask questions. Would they be willing to use the

ing traffic, if so has law enforcement been notified? the destination is the Towing & Recovery Company’s’

sionally? Was the cost related to the services provided

storage facility, remember to ask questions. What stor-

accurate?

age charges are accumulated per day to store your ve-

the company rating and customer reviews. Research

that ask limited questions regarding your situation and emergency. These companies may have hidden fees,

assistance provided by Motor Clubs may include but

inexperienced employees, old equipment or bad service.

are not limited to AAA, Geico, Road America, Agero

Caution! Many companies in the towing & recovery

and Allstate who make certain that Towing & Recovery

business are not responsible business owners or con-

Service Providers recommended to their custom-

cerned for public safety. You want a Towing & Recovery

ers meet the industry standards and offer coverage

Company to be properly licensed and insured with

throughout the U.S.

operators trained in the Towing & Recovery industry.

Once you have identified the Towing &

provider will calculate and confirm mileage via Google

Recovery Companies you will use, place their contact

Map or Map Quest using your location. Mileage track-

information in the glove compartment or console of

ing starts when the drive operator is dispatched from

your vehicles and add the company to your cell phone

the company’s physical location, to your vehicle loca-

contacts for easy access.

the driver operator returns to the company’s physical location. Remember mileage charges are normally

Beware of companies with especially low rates

predetermine who you’ll use prior to travels. Roadside

tion and destination. Mileage tracking is finished when

74

hicle? Does the storage location use security cameras?

the Towing & Recovery Company’s coverage area to

Learn how rates are calculated. A quality service

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Determine your vehicles destination. In the event

Did the driver operator arrive on time and act profes-

Contact your local Better Business Bureau for

Thinkstock

A reliable company will want to know if there is any

local police or sheriff’s department, insurance agent,

specific Towing & Recovery Service Provider again?

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accompanied by an operator hook-up fee.

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How to Purchase Office Furniture The right office furniture can make your business look professional and elegant. It is a subtle way to make a statement about the quality of your services. It is a way to modernize the environment without spending a lot of money.

Your employees will feel more comfortable with ergonomically correct chairs and desks. It could also improve productivity.

When you are looking for new office furniture and supplies, consider the following factors.

Customer Impression Your chairs, tables, filing system and even decora-

long run, but it also shows the company has faith in its products.

tions will leave a lasting impression on your customers.

Looks matter. Coordinated furniture and accessories will make your office appear more organized and reliable.

People don't trust businesses that use worn-out

Comfort It only makes sense that you should feel as comfortable as possible while working.

It is vital that your office furniture feels safe for

chairs and uncoordinated decor. It will make your of-

your staff and customers. It will have a large impact on

fice seem careless and haphazard.

office morale.

Keep your customers and employees in mind when picking furniture.

As well, your new leather chairs will not look good

You could possibly face legal action if your office furniture is not ergonomically correct. Ill-fitting furniture is the cause of carpal tunnel syndrome and

next to an old, dilapidated avocado green table. Create

other injuries. These problems often lead to workers'

a strong impact by replacing entire sets at once.

compensation claims.

Only use furniture you can adjust. Whether you

High Quality Sales Jupiterimages

Only consider furnishings and supplies that will stand the test of time. Replacing items frequently is not

need pillows, cushions or platforms, a little luxury can go a long way toward making your workplace more productive.

a smart business decision. While high-quality items may cost more initially, you will not have to spend time and money continuously searching for replacements.

Wise business owners know that quality means something, even down to the smallest detail. An inex-

about their inventory.

They will inform you about which supplies or furniture will look best in your environment. An experienced

that you got at a discount could leave a bad impression

salesperson will provide insights that are not in a

on customers. Paper jams and poor print quality will

catalog.

Any store that offers a long warranty is usually a good dealer. A reputable dealer will offer a turnkey solution rather than just deliver furniture that needs Thinkstock

The best retail shops have in-depth knowledge

pensive ream of paper or low quality printer supplies

also infuriate your staff members.

Thinkstock

Convenience

Look for stores that focus on great customer service. You deserve personal attention. Verify that they have a reasonable return policy as well.

A store with a convenient location, store hours that

to be assembled and setup. A desk with a 10-year

match your schedule and good service will definitely

warranty could not only save you a lot of money in the

offer you and your business great value for your money.

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How to Choose a Chiropractor Chiropractors are a great resource for people with back, head or neck pain. These professionals believe that realigning your spine will help relieve pain and discomfort in the body.

People often find relief by seeking help from a chiropractor. They report having improvements in their muscles, joints, bones and ligaments.

It will often improve your general health as well.

Headaches and sinus pain can also be healed with treatments.

Whether you are experiencing pain or simply

be offered a discount for choosing an "in-network" professional.

But if you don't have insurance, many chiropractors offer low cash rates or affordable plans to help

want to enhance your overall well-being, you may

patients. Even without health insurance, you can still

benefit from seeing a chiropractor.

find chiropractor offering quality, cost-effective care.

Thinking about the following factors can help you find the right chiropractor for your needs.

Get Referrals

Quality

has likely received excellent care from a chiropractor.

Someone in your social or professional network Chiropractors have some of the most stringent educational requirements in the health care industry.

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Ask family, friends and co-workers for referrals.

Inquire specifically about his or her demeanor

According to the American Chiropractic Association,

and schedule. Is it easy to make an appointment?

accredited chiropractors go through at total of at least

You should also find out about the chiropractor's

4,200 hours of classroom, laboratory and clinical

philosophy about health and other wellness issues.

training time combined.

Some practitioners will suggest complementary forms

Students must spend four years in a pre-medical

of care, including massage.

program, in addition to four or five years of professional training.

It is vital that the student understand different aspects of the body.

Prior to selecting a chiropractor, inquire about training and credentials. Make sure he or she is properly qualified.

Insurance Coverage Many insurance carriers include chiropractic care as part of their regular coverage.

Verify that your care will be covered. You might Thinkstock

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Thinkstock

Given the results it can provide, chiropractic care is still affordable and well worth the money. With time and effort, you are likely to find a quality chiropractor in your area.

How to Choose a University Choosing the right college or university can feel overwhelming. After all, your decision will have long-term ramifications. The college or university can help you achieve your goals or leave you lying in the dust with a huge tuition bill.

Selecting a strong college with an excellent reputation will give you a firm foundation to pursue your dream life. Careful planning and thought will help you feel confident that you are making the right choices for your life.

Large or Small School?

Ask yourself if you learn better in an intimate setting or a large classroom. Some schools have a small student-to-teacher ratio while others have auditoriums filled with students listening to a lecture. As

help you get into college. A letter of recommendation or contact with others in your prospective field of study can advance your career. Colleges look kindly upon people with alumni connections. These professionals could also give you insight into avoiding pitfalls and how to best use your degree after graduation.

you begin your research, be sure to look for information on class sizes and student population.

Social Activities Areas of Specialty

Extracurricular activities and social events are another element to consider when choosing a college.

Connections you make outside of the classroom are

The reputation of a university or college is very important. It can open or close doors in your

very important. Some universities are famous for

career. Most colleges are renowned for a handful

their sororities and fraternities. Others colleges have

of majors. Does the learning institution specialize

excellent sports programs. Any school activities can

in your area of interest? Attending a prestigious

help you network and make new friends. Students

university or college will give you opportunities

even develop lifelong friendships this way. The cul-

and resources. The possibility of employment after

ture of your prospective university should be a strong

graduation also dramatically improves when your

factor in your decision.

school has good name recognition.

Online Classes Minors

When you have outside commitments or you prefer to learn at home, consider taking online

Once you have decided upon a major, think about your other areas of interest. Many colleges

courses. Internet classes will help you save money,

offer students the choice of adding a double

especially when it comes to transportation.

Online courses may allow you to work at a

major or minor to their plan of study. Even if you

faster pace than traditional university classes. Work-

are going to pursue only one major, you will likely need to have elective courses in your schedule.

Goodshoot

quickly or tend to your active life.

These classes allow you to study something that will be beneficial and meaningful. They can also add a dimension to your work and perhaps even give you another hobby. You might even enjoy your electives so much that you decide to switch majors. Before

ing at your own speed can assist you in graduating

If you are thinking about choosing an online school, be sure to check their academic credentials and reputation. Also pick an institution in good standing.

applying to a college, view a list of possible electives.

Choosing an institution for higher education can seem like a difficult, daunting decision. But once

Alumni Connections

you understand your academic and lifestyle needs, you can find a school that is perfect for you.

Don't forget to think of alumni connections in your family or circle of friends. These graduates can

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How to Choose a New Car Dealer Purchasing a new car can seem like a daunting experience, especially if you have never done it before.

Inexperienced car shoppers are often intimidated by the cost, the process and even dealers who may try to overcharge them. It doesn't have to be this way.

Finding a dealer you can trust will defuse anxiety.

The whole experience will become a simple, low-pressure transaction. Good car dealers will make the entire process of buying a car simple and straightforward.

might be able to get a great deal on a new car. It is particularly true during year-end sales.

Of course, you should test-drive a car before purchasing it.

When you begin your negotiations, remember

Choose the Right Car Selecting the right automobile for your needs

that price isn't everything. Service should play a role as well. You are building a long-term relationship with

and lifestyle is essential. Large families may need an

this dealer and manufacturer. It is not worth getting

SUV or van to fit everyone into the vehicle. But college

a less-than-satisfactory experience just to save a few

students buying their first car would probably be happy

dollars.

with a compact car such as coupe. The savings on gas will help ease your finances while you are in school.

Along with the car model, there are numerous

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options to consider. You might get a car with a naviga-

commitment. It is always better to find a car salesper-

tion system, moon roof, GPS and satellite radio, just to

son who is informative and friendly. It will make your

name a few.

transaction as simple and comfortable as possible.

If you have to commute long distances, think about purchasing a smaller car with a good MPG rating. Hybrid cars can help you save money on gas.

Anyone in a cold climate might look at various vehicles with either all-wheel or front-wheel drive.

Choose the Dealer Once you have settled on a car model, check into area car dealers. Finding several dealers who sell the brand of car you want is usually best. The competition for your business will help you negotiate the total cost of your car.

Make sure to look for current discounts on the Jupiterimages

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Thinkstock

It is essential that you feel comfortable with the dealership. Buying a car is an expensive, long-term

car you want. During specific times of the year, you