How to Choose

how to choose... your local guide

Article Index Pool or Spa................................ 2 Hospice ..................................... 3 Hearing Aid................................ 4 Salon & Spa............................... 5 Hospital ..................................... 6 Pharmacy .................................. 7 Real Estate Agency ................... 8 Private Injury Attorney ............... 9 Continued Adult Education ..... 10 Funeral Home .......................... 11 Maternity Care......................... 12 In-Home care........................... 13 Eye Doctor............................... 14 Health Care Crisis Planning..... 15 Final Resting Place.................. 16 Insurance Agent ...................... 17 Security System ...................... 18 A Supplemental Section brought to you by

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How to Choose - your local guide

How to Choose a Pool or Spa How great would it be to have your own pool and spa in the comfort of your home?

Going to a spa is a refreshing way to relax, but those visits can certainly add up. They become expensive if you go often, and traveling can often leave you feeling drained.

WHY NOT INSTALL A HOME OR SPA?

It is a fabulous way to feel like you’ve been on vacation without ever leaving home.

Many people who suffer from chronic back pain or circulatory issues find relief in a spa.

Contrary to popular belief, home spas have become quite affordable in recent years. As a result, they are also very popular. There are easy-to-install models and even portable ones that you can take with you on vacation.

The home-spa industry has worked hard to incorporate innovations, such as ozonators and

aromatherapy fragrances. Spas often found in high-end hotels and resorts are now available for the average consumer. You may be able to purchase some of these models at your favorite big-box or home-improvement center.

You can also purchase a home spa with a media center, along with therapeutic and LED lighting.

Watch your favorite DVD or TV program while relaxing in the tub.

The best spas include hydrotherapy, which will help you heal and repair your body.

Tubs with water jets will massage muscles, improve circulation, relax nerves and ease pain. The water suspends your tired muscles in weightlessness, allowing them to rest.

People with chronic back problems often report relief.

Custom spas are also available. You can have it built to meet your specifications. Everyone has a different reason for installing a home spa, and manufacturers are happy to accommodate your requests.

At-home swimming pools are another favorite for healthconscious people.

These pools are not like your typical in-ground blue bathtub. Natural stone, manmade waterfalls and landscape detailing will make your pool into a private oasis.

Before purchasing your pool, decide whether you would like an in-ground or above-ground pool.

Above-ground pools are less expensive, but many people prefer the durability and overall look of an in-ground pool. Take time to think about your decision. After all, your pool is a major investment. It will be a part of your home for many years.

Consider the landscaping around your pool. There are many possible finishes for the decking alone. You can also choose the materials, style and features.

Sometimes the environment around a pool can seem as relaxing as stepping foot in the water.

It’s a fact that most people build their dream pool over a number of years as it fits their budget. You don’t have to do everything at once.

Just start with a highquality installation and a

vision of what you want the area to become. You can add more features later.

With so many advances in home spas and swimming pools, combined with their affordability, it makes sense to install one on your property. After all, wouldn’t it be nice to have your own private resort without the hassle of leaving home?

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How to Choose - your local guide

How to Choose a Hospice When people talk about end-of-life care, there’s a common desire – to be at peace with their decisions.

It’s no surprise, because the end of life can be one of the most vulnerable and challenging times you or your loved one will face. Concerns for the comfort of a loved one with a lifelimiting illness, worries about the impact on family members, and anxiety about the grieving process all weigh heavily on your soul. That’s why choosing a hospice – the right hospice – can make all the difference!

It’s important to know the differences in hospice care, because there is a difference. When you’re looking for a hospice, what you’re really looking for is a partner – a partner who’s going to be there for you and your loved one – every step of the way. You need a partner you can trust – someone who’ll provide your loved one with the same type of tender care you give them.

But, what makes a hospice “good” or “bad’? And how do you make such an important decision in the midst of your family’s pain and sorrow? The reality is that unless you’ve used the services of a hospice before, you probably feel very overwhelmed and lost when it comes to the choice.

While every hospice is different, there are some characteristics you can look for that will give you the best chance of finding a great hospice. For example:

The right hospice partner will have decades of experience in end-of-life care, including pain symptom management. You’ll want a hospice with a proven track record of expertise; one that’s immersed in and dedicated to the community they serve. The best hospice is the one whose staff is able to spend quality time with patients and provide critical personal care.

Their staff should each have the heart of a servant, dedicated to giving your loved ones whatever they need – whenever they need it, 24/7 365 days a year. THAT’S TRADITION YOU CAN TRUST! The right hospice partner understands the emotional ordeal the family is facing and, as a result, responds to their needs in a gentle and respectful manner.

Their goal will be to take away as many burdens as possible, so you can spend quality time with your loved one. Even though this is an overwhelming time in your

lives, the right hospice should always strive to instill a sense of calmness whenever possible. THAT’S COMPASSION YOU CAN COUNT ON! The right hospice partner is one whose focus is always on human beings – not dollars and cents.

They will not refuse services to anyone who qualifies, regardless of their ability to pay. For their staff, hospice work is so much more than just a job. They believe in their heart they were divinely led to provide this special kind of care, and doing anything else just doesn’t feel right. THAT’S DEDICATION YOU CAN DEPEND ON!

ing for life’s final chapter, helping them find peace – physically, emotionally, and spiritually.

Tradition you can trust. Compassion you can count on. Dedication you can depend on. THAT’s Serenity HospiceCare!

What DO you look for when it’s time to call hospice? A trusted reputation. Spiritually-based devotion.

A “mission over money” attitude.

Choosing a hospice is one of the most important decisions you and your loved ones will ever make, so trust your family to the area’s resource for expert care and counsel-

“Peace Of Mind When It Matters Most” How is Serenity HospiceCare Different?

It is important to know the particulars of hospice care, because there is a difference.

Established in 1989, Serenity HospiceCare is the most experienced local hospice, providing the best possible care for the whole person: physically, emotionally and spiritually. Decisions about your care are made right here, with you, not by an out-of-state corporation. Our board of directors is made up of people who live, work and worship in the counties we serve.

Non-Profit (Serving All, Regardless of Ability to Pay) Free-Standing • All Care Provided by Nurses • Spiritually-Based Full-Time Medical Director • 24-Hour Crisis Response “Hospice isn’t really the end of life. For my dad, it was the

“When my dad was diagnosed with colon cancer, a co-worker told me Serenity HospiceCare were the ones I needed to call. There’s so much more they can do and can offer. Without Serenity HospiceCare, my dad would not have been able to live as good a life as he did.

Just knowing Serenity HospiceCare is in our community helping families just like mine brings joy and comfort to me. In my eyes, Serenity HospiceCare is the only hospice care.”

bill’s daughter

(573) 431.0162 (800) 876.0162 • SerenityHC.org “Serving all, regardless of ability to pay.”

How to Choose - your local guide

How to Choose a Hearing Aid Is it wrong to factor in style and comfort when you’re choosing a device that’s designed to help you overcome your hearing challenge?

Not really, when you think about it. This isn’t all that different from choosing a pair of glasses: They have to fit your face, they have to suit your sense of style, and they have to make seeing as comfortable and effortless as possible. Otherwise, why bother?

It’s the same with hearing instruments like the new Alta2 by Oticon.

Style matters a lot. Comfort matters a lot. Because if you’re not at ease when you’re wearing them, all the hearing technology in the world isn’t going to do you any good. the sidebar to find out how).

What’s inside Alta2 is advanced YES, A HEARING With Alta2, your brain gets the Oticon hearing technology that help it needs to give you more INSTRUMENT CAN BE A produces the clearest, most intuitive, more natural hearing.

STYLE CHOICE. lifelike sound of any instrument Alta2 is all about style. It’s we’ve ever created. Sound that super sleek and small. We have you hear more comfortably and YOU ARE UNIQUE. SO IS a model that fits inside your ear more naturally, with less effort YOUR HEARING canal and disappears comon your part. Alta2 is automatic. PROFILE. pletely. We also have models It becomes part of you.

And Alta2 fits your brain’s that hide just behind your ear hearing profile like a glove. and can be colored to blend Out of the box, Alta2 has the in with your skin tone and hair technology to support your color, or you can get it in an hearing brain in all the imaccent color that stands out like portant hearing tasks.Your jewelry when someone catches hearing care professional a glimpse. Because, why not? unleashes this performance by setting up your hearing inDepends on your style. struments to match the profile of your hearing brain, which is All Alta2 models are designed It just works. Anywhere, as unique as your DNA. Beto be worn effortlessly. They’re anytime. cause Alta2 technology is so so comfortable that people tend advanced, the sound is more to forget they’re wearing them.

Why? Because, unlike lifelike, and the instruments old-school hearing aids that help you hear better with less COMFORT THAT’S MORE simply throw more sound in effort. your ear, Alta2’s computer THAN SKIN DEEP. technology supports your brain. We call this breakthrough But the real comfort story isn’t All the hard work your brain BrainHearing™ technology, just about the fit and look of the does to understand sound, and only Oticon has it.

Alta2 hearing instrument. It’s locate sound in a room, focus about what’s inside the beaution conversation, and tune out You can call it more natural ful little package. noise … it’s all supported by hearing. With comfort and Alta2’s onboard computer (see style.

At Yon Hearing Instruments in Farmington, we have provided over 23 years of superior service helping our patients achieve a better quality of life with better hearing. Yon Hearing Instruments understands that your ears and your brain work together as a system, and Yon Hearing Instruments uses BrainHearing™ technology to help you find the best possible hearing solution that fits your individual need and budget.

Give your brain exactly what it needs to hear.

Yon Hearing Instruments understands how your ears and your brain work together as a system. Using Octicon hearing devices with “BrainHearing” technology that are designed to help your brain undetstand conversations better. These very discreet aids enable us to precisely tune them to match your unique hearing profile and personal sound preferences and deliver sound with the clearest, purest signal possible. So you hear better, with less effort.

Hear Smarter. Live Better.

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How to Choose - your local guide

How to Choose a Salon & Spa There are plenty of things to think about when selecting a salon & spa, from the expertise of the staff, to the range of services offered. Maybe the best way to pick a salon or spa is to make an appointment and try it out. The right place will send you home feeling relaxed and looking beautiful!

STYLING SALON

One bad hair day is one thing – a string of them probably means you need to visit a salon. The right hairstylist can prevent frequent bad hair days, transforming your hair into something stunning. But not all salons have good stylists.

If you find yourself wandering from salon to salon, it is time to rethink your choices. Discovering a talented hairstylist does not have to be a matter of luck. It takes patience and research to find the right salon.

GET ADVICE

Asking friends and family for referrals is a great way to find a salon.

Look for people with hair that is similar to yours. Different hair types might have a different experience.

Be sure the salon and stylist can work with your type of hair and the salon is clean and well kept.

Get the name of the stylist at the salon. Many times, it is the stylist who will make the salon experience worthwhile.

LOOK ONLINE

Researching your options on the Internet will help you refine your list.

Salon websites can give you tremendous insight into the business and their values. Salons that don’t have websites might be well-kept secrets. They might be keeping costs down, which will help you receive services at a lower price. But if you need a high-end makeover, an impressive website could be the sign of a fabulous experience. It might show their attention to style and detail, as well as modern trends.

If you hair is easy to cut but difficult to color, opt for a salon that has a solid reputation for its colorists. Remember, everyone’s needs are different. You can find a salon for your individual requirements.

OTHER OPTIONS

Haircuts and styles are a salon’s basic services, but they might offer other treatments as well. Manicures, tanning, acrylic nails, and deep conditioning treatments are just a few of the extra services you might find at a salon. Don’t assume a high-end salon will offer massages and other spa-like features.

Verify that the salon has the services you need before making an appointment.

DAY SPA

Everyone needs a little pampering and a spa is a great way to feel relaxed and refreshed. This is especially true after a hard week at work, a long project, or a particularly stressful situation. Spending some time in luxury by visiting a spa is a great way to refresh your mind and body.

Men and women enjoy relaxing massages, makeovers, and even wellness tips.

You can get a facial, manicure, pedicure, or waxing treatments. Some people prefer to stop at a spa before a special occasion, such as a wedding or class reunion. Others use a spa to recover from a stressful situation. Here are some other factors to keep in mind when choosing a spa that is right for you.

SERVICE

You can receive a wide variety of services including pedicures, facials, hair removal, and makeup applications. They may even have services that are not listed in their brochures. Check with different spas before deciding on the services you prefer.

When you want to try a new spa, schedule a basic service, such as a manicure. If you like the atmosphere and customer service, you might enjoy a more advanced service. Each client should feel like their experience is the staff’s top priority. You don’t want to feel rushed. Rather, the best spas will make you feel like good friends are completely focused on providing you individual attention and service.

CLEANLINESS

A clean environment is indicative of good management. In this business, sanitation is essential. There should be no broken equipment or dirty corners.

Everything should be organized. Spa guests must feel safe and comfortable in a sparkling clean space.

PRICE

Budgets are personal. While it’s easy to look at a list and pick the cheapest service, it will rarely be your best option.

Different spas have different definitions for the treatments they offer, making it difficult to compare. You may even have to research spa terms to help you understand the services being offered.

MATCH YOUR LIFESTYLE

Look for salons that match your lifestyle. If convenience is important in your life, make sure the salon is close to your home or office. If you work long hours, your ideal salon will be open during hours you can make appointments.

The staff’s appearance will also tell you a lot. Stylist love to experiment with their own hair. They might even think of themselves as “walking billboards”.

are leaving your troubles at the door.

When you visit a spa, pay attention to how your body feels. The lights, smells, and sounds should unwind you.

If people seem stressed, then it will be hard to relax. You are paying for ambiance as well as services. It is essential that the staff make you feel warm and welcomed.

STYLE

Atmosphere is a key element when selecting the perfect spa. Relaxation, serenity, and wellness are qualities you are looking for. You should have the sensation that you

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How to Choose - your local guide

How to Choose a Hospital

How to Choose - your local guide

How to Choose a Pharmacy Back in the old days, pharmacies were small neighborhood stores where everyone knew your name and you received personalized and outstanding customer service.

These days, distant corporations own many of your neighborhood pharmacies. Pharmax Pharmacy is proud to say that they are still locally owned and they strive to give personalized and superior customer service.

LOCATION

A convenient location will make filling prescriptions and purchasing medical products much easier. Choosing a store near your home, work or school will save you plenty of time.

It is important to find a pharmacy that is minutes away, in case you need help quickly. Pharmax Pharmacy has 3 area locations to serve you in Leadington, Potosi, and Bonne Terre. Pharmax also offers FREE local delivery

so that you will not have to leave your home or business to pick up your medications!

DRUG COVERAGE

Does the pharmacy accept your prescription drug plan? Not every pharmacy will accept every insurance policy.

Call ahead to inquire about the types of insurance they accept.

They will work to minimize the amount you need to pay out of pocket for your specific prescription needs.

Pharmax Pharmacy will not only give you personalized help if you are in need of assistance with your prescription plan coverage, Pharmax also has generic versions of medications, and offers a Prescription Savings Card to their customers. Between reward cards, discounts and generic drugs, you could save lots of money.

TEChNOLOGy

Does your pharmacy have a website and an application for

your phone or a 24 hour dial-up refill service? These things are important as they are helpful and convenient.

www.Pharmax-Rx.com as well as 24-7 Dial-Up Refill Access!

SERVICE

Customer service is another factor when choosing a pharmacy.

Do the pharmacist and staff remember your name? Do they greet you with a smile? Are they happy to answer questions? Do you trust them? Finding a pharmacy staff that is informative, courteous and professional will enhance your pharmacy experience and reduce stress.

Pharmax Pharmacy offers “Rx 2 Go� a FREE prescription refill App for your iPhone or Android device for easy and quick refill requests. Pharmax also offers Online Prescription Refills at

Make sure your pharmacy, pharmacy staff and most importantly, your Personal Pharmacist is a key part of your healthcare team.

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6/30/2015

How to Choose - your local guide

How to Choose a Real Estate Agency A reputable Real Estate Agency can make a big difference when you buy or sell a home.

There are thousands of dollars at stake and many agencies to choose from in our area.

You want an agency that will act in your best interest. That’s why it’s essential to find a professional high-quality real estate agency.

www.ColdwellBankerHulsey.com Reputation says a lot about a company. What do people say about their service? Ask your family, friends and neighbors for recommendations. Their experiences will guide you toward a reputable agency.

Mary Gilliam 760-6480

Alma Lorch 760-6042

Mary & Glen Hagan 701-1690

Once you have a list of possibilities, do some research.

Buying and selling homes is a full time job - Look for an agency with full time agents.

Once you have narrowed your list contact some agencies and ask questions.

• Do they provide a CMA (Competitive Market Analysis)?

This will show what similar homes in your area have sold for.

Kim Hutson 760-9789

Richard & Cindy Philip Fitzwater Deason 760-9956 701-2596

• What commission do they charge?

• Where do they advertise?

Look in the newspaper advertising is what makes each agency unique - do they have a large presence there?

Tom Stanfield 760-6000

David Werner 314-402-0176

Vanessa Trokey 330-6261

• Look at the agency’s listings - do they provide necessary information (room sizes, details) and adequate professional photos to showcase their listings?

• Ask how long the company has been selling homes in the area - You want people who know the community.

Craig Rogers 747-9779

Tom & Judy Weddle 760-6477

Ronda Barks 631-1663

Candace Glore 366-8739

You will also want to select an agency that stays up to date with technology. According to the National Association of Wanda Sucharski Realtors 90% of buyers go to the 631-9494 internet for their home search - Ask potential agencies if they have a user friendly website to showcase their listings - do they have an APP for that?? (Mobile searching)

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How to Choose - your local guide

How to Choose a Personal Injury Attorney also trust him when he tells you how strong your case is. You don’t want a lawyer that gives you a dishonest appraisal of your chances at recovery. Make sure the attorney you hire is not self-important or condescending. Your lawyer should be able to say things in a way that you understand them, not just a load of legal jargon. You should feel free to ask for clarification.

If you have sustained injuries in a car accident or other accident that was not your fault, you will likely need a personal injury attorney.

A reputable attorney can help you recover damages for the cost of your medical care as well as the pain and suffering you were forced to endure. An attorney can make sure that an insurance company is not trying to leave you with the bill. Not every personal injury attorney is equal, so here are a few things to consider when choosing your attorney: LOCATING ATTORNEY

It is important that you find a lawyer who is qualified to handle personal injury cases. If possible, find a lawyer who specializes in personal injury. You don’t want a dentist performing brain surgery, so it is essential that your attorney is familiar with personal injury cases - as opposed to a traffic law or divorce specialist.

Personal injury cases should be based on a contingency fee, which means you don’t have to pay anything up front for the lawyer to take your case. In personal injury cases, your lawyer should only get paid if you get paid. Once you locate a personal injury specialist, call them to set up a free consultation about your case.

Joe Goff is a Farmington-based attorney who specializes in personal injury cases. He works on a contingency fee. If you were involved in an accident and sustained injuries, call his office immediately for a free consultation.

Joe Goff maintains rapport among former clients. His former clients return to him for legal assistance and refer their friends and family to him. Outside of his law practice, he has many community ties such as teaching martial arts.

TRACK RECORD

You want a lawyer who can win your case. People who have been in accidents that were someone else’s fault realize it can be a battle to recover damages. You want a lawyer who has won battles before. Even good lawyers can lose cases sometimes, but you should make sure that your attorney has a number of verdicts and settlements in favor of his clients.

Joe Goff has won over 20 million dollars for his clients between verdicts and settlements over the last ten years. See www.

ReevesandGoff.com for published settlements and verdicts.

TRIAL EXPERIENCE

You want a lawyer who is prepared to fight for you at trial.

Many cases will settle before trial, but a good lawyer is not afraid of advocating for your rights in the courtroom. Make sure your lawyer has trial experience. This point cannot be overemphasized.

If your lawyer is playing it safe

because he is afraid of a jury, then you are not going to get the results you deserve.

Joe Goff has substantial jury trial experience and the highest reported soft tissue jury verdict in St. Francois County.

TRUST

Rapport is an important part of any business transaction. When hiring an attorney, it is vital. You must trust your attorney. Explaining certain injuries often means divulging sensitive information; you want an attorney that makes you feel comfortable. You should

The choice of a lawyer is an important decision and should not be based solely on advertisements.

GET REAL EXPERIENCE. GET REAL HELP. PERSONAL INJURY • • • • • • • • • • •

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Car Accidents/Truck Accidents/Motorcycle Accidents Premises Liability (slip and falls) Wrongful Death Medical Malpractice Workers’ Compensation Work-related Injuries Product Liability Defective Products/Dangerous Design/Failure to Warn Dangerous/Defective Prescription Drugs Dangerous/Defective Over-the-Counter Medications Negligence of a Healthcare Professional

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Car Accidents Construction Site Injuries Industrial Accidents Medical Malpractice Motorcycle Accidents Nursing Home Fatalities Dangerous or Defective Products Dangerous or Defective Drugs Truck Accidents

Visit ReevesandGoff.com for additional information including published settlements & verdicts!

Joseph L. Goff 1 N. Jefferson • Farmington, MO 63640 573-760-8810/866-831-8475 The Choice of a Lawyer Is An Important Decision And Should Not Be Based Solely Upon Advertisements.

How to Choose - your local guide

How to Choose Continued Adult Education No one stops learning. It is a lifelong process.

Continuing education can introduce you to new skills, ideas and maybe even a different career.

Schools and universities around the country offer a wide array of courses for adults and recent college graduates.

When you want to update your skills or your job requires ongoing training, continuing education can be a smart choice.

REQUIRED TRAINING

When you need to fulfill a training requirement for your career, continuing education can be particularly helpful.

In the medical industry, for example, you might need training to understand new developments and techniques.

If you need courses for this reason, ask yourself two questions: Does the course fill the requirements, and is it convenient for your schedule?

Make sure the course will fulfill your obligation. In many cases, the instructor’s background and course curriculum need to be

very specific in order to earn or renew a certification. Verify with your employer to be certain you have the right course.

Many adult education courses are offered on nights during the weekdays so that working people can attend.

CHOOSING AN ADULT EDUCATION LOCATION

When researching where to continue your education or learn a new skill, look for an establishment that has a reputation for excellence and competence in many fields.

Ensure that it has a well developed program of testing

and guidance and small classes that have an excellent student teacher ratio to aide in a more individualized and one on one environment.

HIGH SCHOOL EQUIVALENCY TEST

UniTec offers classes for the high school equivalency test (formerly known as GED).

challenged in one setting.

The $95 fee covers taking all 5 subtests once within the 12 month period. If retaking a subtest is required, the cost will be $7 per subtest if it is within the 12 month period. A maximum of 2 retakes per subtest can be taken within a year.

A portion of the Adult Education and Literacy program is helping the people we serve work toward attaining their high school equivalency certificate.

Info about the high school equivalency test is as follows: Starting January 1, 2014, people wanting to attain a high school equivalency certificate through the Missouri Department of Elementary and Secondary Education will be challenging the HiSET test, a computer-based test.

The cost is $95, which is good for 12 months from the date it is paid. The Test is divided into 5 subtests, which do not have to be

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Info about the high school equivalency test is as follows: People wanting to attain a high school equivalency certificate through the Missouri Department of Elementary and Secondary Education will be challenging the HiSET test, a computerbased test.

The cost is $95, which is good for 12 months from the date it is paid. The Test is divided into 5 subtests, which do not have to be challenged in one setting.

The $95 fee covers taking all 5 subtests once within the 12 month period. If retaking a subtest is required, the cost will be $7 per subtest if it is within the 12 month period. A maximum of 2 retakes per subtest can be taken within a year.

7163 Raider Road • Bonne Terre, MO (573) 358-3011 www.ncsd.k12.mo.us/ucc/

How to Choose - your local guide

How to Choose a Funeral Home Making funeral arrangements can be burdensome, especially when that process involves a close family member.

The difficulty begins with our need to deal with our own feelings of grief, while trying to figure out just how our loved one might have intended for us to proceed with this tribute that honors their life. All of us can and should help our families by writing down as much information as possible regarding the funeral service we want. Regrettably, only about 1 out of 3 will take the time to provide their family with the few basic guidelines they will need for that process to take place.

Of all of those decisions that should be made ahead of time, the most important is selecting a funeral home that can provide the care and support that will best benefit your family. Choosing that funeral home may be as simple as following a family tradition or staying within the local neighborhood. Other considerations might include: Reputation and experience of owners and staff; integrity and trustworthiness of ownership and staff; cost of services and goods provided; general appearance and care of facilities; and encountering a caring, considerate approach that includes a mature and professional attitude, along with a willingness to serve.

Aren’t they all about the same?

No. Consider the issue of professionalism. As you do, it is important to remember that a competent funeral home’s staff will work with you throughout the visitation and service. They will also follow up and assist you with the required authorizations and legal documents that will need to be filed. Choosing a funeral home that has a proven track record for completing those requirements properly and in a timely manner

will eliminate some unwanted frustrations and headaches.

Who can help me with this decision? Local clergy members, law enforcement personnel and your beautician or barber may be among those who would have helpful knowledge or opinions.

Non-biased funeral directors, (they do exist), are also a great resource.

What about cost? Where cost is an issue, simply visit those funeral homes under consideration, ask to speak to a funeral director or the owner. An open discussion of the cost of the services is always beneficial. The Federal Trade Commission mandates that funeral homes must provide you with a General Price List, which includes an itemization of services. Never assume that an advertised price will meet all of your expectations. Research and know the facts.

Is preplanning a good idea?

While many funeral homes still rely on third party professional salespersons to initiate pre-need contracts, it appears that the public is less and less in favor of this process. Speaking directly with a funeral director who is on

staff will insure that the services you request are the services that are provided. In addition, since funeral directors are seldom, (or never), compensated through commissions, he or she can often provide lower cost options.

These plans are typically transferable.

policy. For those who already have adequate life insurance or other means available, pre paying may be of lesser importance.

Generally speaking, while everyone should consider advanced funeral planning for themselves, it is not always necessary to prefund those plans.

How important is it to prepay for the funeral services that I have planned? Each situation is different. Pre-paying for the funeral service that you have just planned is important and can provide savings by covering future cost increases. Your funeral director will arrange for this by placing your pre payment funds in a trust or by purchasing a single pay life insurance

Ask yourself a simple question.

Is my community a better place because of my funeral director? If the answer is, “Probably not:” or, “I’m not sure:” Then it may be time to reconsider your choice. Remember, supporting businesses who are strongly involved in the community where we live, helps strengthen our community.

C.Z. Boyer & Son Funeral Homes Symbolizing Trust & Caring Service since 1906

Funeral Planning Quick Reference Guide Legal information needed when arranging a funeral: Full Legal Name Date of Birth Place of Birth Education & Occupation Social Security Number Parents Names Military Discharge Papers

Information needed to help complete obituary:

We offer a full range of services from a traditional church or chapel service to a simple graveside service. We also offer several cremation options including: traditional viewings and visitations, memorial services, and simple cremations.

Personal attention is given to each family.

Our experienced and caring staff is available 24 hours a day, 7 days a week.

Bonne Terre

Desloge

(573) 358-2277

(573) 431-2686

Park Hills

Leadwood

(573) 431-3143

(573) 562-7411

“Our family serving yours for over 100 years”

www.czboyer.com

Nicknames Immediate Family Members Names Hobbies & Areas of Interest Church Membership Awards Lodges & Organizations Military History

Items to consider when preparing for a funeral: Type of Service Music Selection for Service Minister Conducting Service Floral Choices Pictures to be Displayed Cemetery Information

The lists above contain information and items that will in most cases be needed when preparing to arrange a funeral service for a loved one. Whenever possible this information should be gathered ahead of time and kept safe until needed. If you would like a Free Funeral Planning Guide please contact C.Z. Boyer & Son Funeral Home at one of our four convenient locations or online at www.czboyer.com

How to Choose - your local guide

How to Choose the Best Maternity Care Choosing maternity care, especially if this is your first baby, is an exciting yet stressful time.

Pregnancy is a huge milestone in a woman’s life.

There are so many things to consider. One of the most essential decisions is choosing a maternity care provider.

If your gynecologist is also an obstetrician, it means he or she can deliver babies and perform a C-section, if needed. It is likely you can continue seeing the same practitioner.

But if you need to find a new maternity care provider, there are a few things to consider.

Recommendations

One of the most effective ways to find a good practitioner is to ask your family and friends who have been through the birthing process. Inquire about their experiences. Most people will have strong opinions about the quality of their care. In particular, seek out people who have had complicated pregnancies or births. Your primary care physician should also have recommendations for you.

Compile the list of names and check your insurance to see if those doctors are covered by your policy.

office Visit

Once you have narrowed your list of potential providers, make an appointment to see the top two or three. This first appointment is like an audition or interview.

Observe everything. How does the staff treat patients? Is there a long wait? Is the office clean? Do

you have a good feeling about this doctor?

Sometimes doctors have a reputation for performing C-sections when they are not needed. Ask to see the doctor’s C-section rate.

midwiVes

Of course, a doctor isn’t your only option for prenatal care. Many women are choosing to use a midwife.

A midwife is specially trained in pregnancy and childbirth. These caregivers provide more personalized attention. Some women feel more comfortable with a midwife.

If you prefer minimal medical intervention, a midwife can be a great choice. In some cases, you can even give birth at home.

Just remember that a midwife is not a doctor. If your pregnancy or childbirth runs into complications, you will still need to go to a local hospital.

deliVeRing the BaBy

Your maternity care provider needs to be available when it is time for you to give birth. Your chosen caregiver should have no vacations scheduled near your due date.

Find out what happens if he or she is unavailable when you go into labor. Some ob/gyns work at a practice with other doctors.

They may rotate being on delivery duty. If this is the case with your doctor, schedule some of your prenatal checkups with the other practitioners so you can get to know them better.

the hospital

Find out about the reputations of the maternity wings at your local hospital. Check to make sure the doctor you choose has credentials to deliver at the hospital of your choice. It is always best to choose a hospital with a good neonatal care unit in case your baby is born prematurely. Get a tour of facilities.

While you are visiting, ask them which incidentals will be provided and which items you should pack in your hospital bag. You will need a comfortable robe, a change of clothes and other toiletries. Also, look at the postpartum recovery rooms. It may be a private or shared room. Make sure it fits your preference.

Find out what the hospital’s

policy is regarding having your newborn stay in the room with you. Looking at all of these aspects will help reduce your anxiety about giving birth.

Giving birth is a thrilling yet tumultuous time in a woman’s life. Choosing a good maternity care provider will go a long way toward easing the process of having a baby.

Serving the community for over 25 years Ladies First OB/GYN and Family Medicine is proud to serve our community and our doctors deliver children at Mineral Area Regional Medical Center and Parkland Health Center in Farmington

Providing...

• Obstetric Care • In-Office Ultrasound • Pediatric Care • Immunizations • Gynecologic Care • Birth Control including Nexplanon, Mirena, Skyla, ParaGard and permanent birth control

John J. Grechus, M.D. Danielle N. Carron, M.D. Melinda Dugal, F.N.P. Racheal L. Whitaker, M.D.

WELL CHILD EXAMS • VACCINATIONS • SICK CHILD EXAMS

NOW ACCEPTING NEW PATIENTS! 1103 Weber Road, Suite 203 Farmington

(573) 756-9107 www.ladiesfirstobgyn.com

How to Choose - your local guide

How to Choose In-Home Care Sometimes, people need help in order to live independently. Seniors and even young people with debilitating disease could live at home with assistance.

Nursing homes are no longer the only option.

While many of them provide compassionate care, the move can prove to be expensive and traumatic. It forces the patient to leave their familiar environment and belongings.

In-home care is becoming more common. Patients who need regular attention can still live at home surrounded by family and friends. It is the perfect compromise.

Professionals visit the home of the patient to provide services.

Not only is it convenient and comfortable, it is typically less expensive than the care offered at a full-time facility.

Because it is growing in popularity, many in-home care companies often specialize in services ranging from housekeeping and errand running to daily medical assistance.

Talk to your loved one’s primary care physician to help you understand your choices.

The doctor can help you select a provider and help you determine the level of care required. This professional may even have referrals to give you.

After speaking to several in-home care providers, you can compare the range of services they offer.

Typically, they will fall into three categories:

MEDICAL CARE

Providers vary greatly in terms of the types of medical care they provided. Some may be able to offer 24-hour care while others are better with simple tasks, such as monitoring blood sugar or reminding patients to take medication.

Always inquire about the medical qualifications of any in-home care providers you are considering. All workers should have the proper training, degrees and certifications.

If you are unclear about the exact level of medical care your loved one will require, ask your physician. The doctor will also be able to tell you what qualifications in-home care providers should have in your situation.

PERSONAL CARE

Caregivers can help with daily grooming, mobility and any special diet requirements. They can help prepare meals or run simple errands.

COMPANIONSHIP

Homebound people often need companionship. An in-home care professional will provide a friendly face and good conversation as well as general care. It might be a matter of reading aloud to your loved one, discussing the daily news or playing a game of cards. Quality in-home care providers understand that patients also need mental stimulation and human contact in order to stay well.

Before entering a contract, understand the services that will be provided. You want to make sure you are getting what you need without paying for services that are not required. If personal care is needed, you should not have to pay for medical care as well.

Everyone, including you, should be comfortable with the people who work for the company.

In-home caregivers will quickly become part of your life, especially as they enter and exit the house. Get referrals from people who have been in a similar situation.

The best in-home care provider is about finding the right combination of services. Once you have the right company, the patient will receive companionship, comfort and cost savings that make in-home care such a fantastic choice.

Home Health Services In-Home & Consumer Directed Services (HIRE FAMILY OR FRIENDS) In-Home Services help individuals remain at home by delivering services to assist with activities of daily living. This allows for individuals with disabilities and seniors to remain independent. Qualified and trained aides and nurses assist with the following activities:

• Bathing • Grooming • Cooking • Cleaning • Shopping • Errands • Transportation • Medication set-up • Nursing • Respite

Home Health Services are rehabilitative and are frequently ordered by a patient’s physician after an illness, surgery, new diagnoses or medication change.

Services include: • Nursing • Telemonitoring • Physical Therapy • Occupational Therapy • Fall Prevention/Balance Vestibular Program

• Speech Therapy • Home Health Aide • Wound Healing • Dietitians • MSW • Home Infusion

Pharmacy Services

Pyramid Pharmacy assists individuals to improve their compliance with physician prescribed medication regimens.

• Free Home Delivery • Extensive $4 Prescription List • Payment Assistance Programs • In-Home Medication Review • Free Telephone Reminder Calls • Free Multi-Dose Packaging

888-880-6565

How to Choose - your local guide

How to Choose Your Ophthalmologist Ophthalmology is the branch of medicine that deals with both medical and surgical cure for disease of the eye.

Since Ophthalmologists perform operations on eyes, they are both surgical and medical specialists.

Ophthalmologists have a full medical degree along with their specialized treatment for eye care. Their extensive background typically includes four years of pre-med school, four years of medical school, at least one year of an internship and three years of residency managing diseases of the eye and performing eye surgery before receiving their ophthalmology license. Doctors Fitz, Beffa and Morris are all Fellows of the American College of Surgeons.

TREATMENT

Ophthalmologists specialize in certain diseases and treatments

such as cataract surgery, bladeless (laser) cataract surgery, i-stent placement for glaucoma, and all diseases of the eye such as macular degeneration, diabetic exams and dry eye syndrome.

The Retina Institute from St. Louis is available every Tuesday at Precision Eye Care to keep your treatment close to home and avoid travel out of town.

INSURANCE

If you have health insurance, check the list of doctors who are covered under your plan. Insurance companies make agreements with ophthalmologists (eye

doctors) to deliver services at a prearranged price. Picking an “in-network” doctor will save you money on your co-pay and out of pocket expenses. Do you need a primary care referral to see a specialist? Contact your primary care doctor or family practitioner and have them fax us a referral for your care.

treatments. Be sure your ophthalmologist can treat your specific needs. Doctors Fitz, Beffa and Morris are able to co-manage your case with your optometrist if sent by them for your treatments or cataract surgery.

Friends and family can also provide helpful advice. They can share their experiences with you.

REFERENCES

Check for the ophthalmologist that has the most up-to-date

Our goal is to help preserve and restore one of life’s most precious gifts: Good Vision We welcome you and thank you for choosing us to provide your eye care!

Eyelid Surgery

Retina Conditions

The normal aging process leads to eyelid drooping, outward turning, or inward turning of the lids and eyelashes that can rub on the cornea causing pain and discomfort.

Our surgeons perform surgical correction of multiple eyelid malpositions.

• Diabetic Retinopathy- Disease of the retina caused by diabetes is the #1 cause of preventable blindness in adults.

• Macular Degeneration- Inherited, progressive disease of the retina is also a leading cause of vision loss for adults.

Advanced care for both of these conditions is offered by our doctors from The Retina Institute at our office.

Dry Eye Disease/ Allergy • Nearly 40% of Americans experience symptoms of dry eye on a regular basis.

With proper treatment many patients note significant improvement in their dry eyes.

Advanced Cataract Surgery Glaucoma Detection & Treatment Glaucoma is a silent thief robbing vision even before symptoms.

• Glaucoma- Damage to the optic nerve associated with increased pressure in the eye that leads to permanent loss of vision.

We have the most advanced computerized testing to diagnose Glaucoma. Our surgeons perform the most current surgical techniques in the management of Glaucoma

Good vision is a precious gift. Many people, especially older adults, lose vision because of Cataracts.

• Cataract- Hardening & clouding of the lens.

We specialize in providing patients with stateof-the-art technology and a “no-shot, no-stitch” no patch surgical technique to remove your cataract.

Things to Remember for your visit For your first visit please bring: • Your insurance information • A list of your medications • Your old glasses • A driver since your eyes will be dilated and this makes it difficult to drive.

- If you were seen previously by another eye doctor please request from that doctor a copy of your medical records to bring with you.

- If your insurance requires a preauthorization from your primary care physician please obtain this prior to your appointment

Precision eye care 140 Westmount Drive • Farmington, MO 63640

(573) 756-2020 • 1-800-455-2020 • www.myprecisioneyecare.com

How to Choose - your local guide

How to Choose a Health Care Crisis Planning Legal Safeguards for Your Golden Years Seniors who feel comfortable with their financial futures and health coverage are more likely to enjoy good health.

When seniors retire, there are a wide variety of potential legal issues facing them. Medical expenses, nursing care, estate planning and wealth management are just some of the topics that seniors must keep in mind.

It is great to have legal expertise in these areas to help guide you through some complicated matters. It is too important to risk doing on your own.

Proper planning puts the power into their hands. It is a fantastic way to preserve their wealth in order to get lasting benefits for their families.

MEDICARE BENEFITS

Created in the mid-1960s, Medicare remains one of the several federal programs that exist to benefit seniors. It ensures that Americans over the age of 65 will have health coverage.

People who are younger than 65 may also receive benefits under certain conditions.

Hospitalization, prescription drugs, visits to the doctor and home nursing assistance expenses are covered by this program.

If you want to learn more about Medicare benefits, consult an elder law attorney. Qualified lawyers with experience in this area can provide information about program eligibility. They can also tell seniors how to maximize their benefits.

MEDICAID BENEFITS

regardless of age. It will help pay expenses of prescription drugs, home health care, doctor visits and more.

Lawyers who specialize in Medicaid guide clients through the application process. These attorneys will instruct clients about getting the maximum level of assistance possible.

DISABILITY LEGAL ASSISTANCE

Lawyers who specialize in disability issues inform clients about healthcare resources, financial assistance and even educational benefits.

Consulting with these professionals ensures that anyone suffering from a disability has access to available resources to help them fulfill their potential.

VETERAN’S AID

While many people confuse Medicaid and Medicare, the two programs are different.

Medicaid offers medical coverage for low-income citizens

Eligible veterans have many benefits available for their use.

Seniors who may be entitled to receive these benefits should always consult with an attorney to make sure they receive

everything they are due.

Attorneys specializing in veterans’ affairs have a firm understanding of the different benefits and the procedures for claiming them.

Spouses of veterans may also be eligible for certain benefits.

An experienced lawyer can help them navigate the system.

ASSET MANAGEMENT AND PROTECTION

Wealth management strategy is one of the most critical aspects of estate planning. No senior should ignore it. Having a deliberate, tactical strategy is a strategic way to safeguard wealth for future generations.

Failing to draft a thorough estate plan can be expensive. It can be devastating to decedents who may not have the financial resources to work through legalities.

Estate planning lawyers will craft documents that detail their client’s true intent regarding asset distribution. Wills and trusts are two common ways of smoothly transitioning assets from one family member

to another.

Attorneys can also craft strategies to minimize the estate tax liabilities that heirs may face.

Skilled estate planning lawyers will offer creative solutions for protecting assets from the negative effects of the probate process.

Getting proper and professional elder care and legal advice not only protects you and your loved ones; it also provides peace of mind.

COMMON PRACTICE AREAS

Some common practice areas under the umbrella of “elder law” include: • Medicaid planning • Veterans pension planning • Special needs planning • Guardianship and Conservatorship • Estate planning (basic) • Elder Abuse • Nursing Home Negligence • Social Security Disability • Medicare Appeals • Medicaid Litigation

Manley, Karraker & Karraker, P.C. Get long term care insurance while you can. If you are not able to get long term care insurance, you will likely need to visit an Elder Law Attorney to develop a backup plan.

Elder Law Attorneys helps individuals prepare to take care of their loved ones as well as themselves in the event of a healthcare crisis.

Call us today to create your crisis plan.

573-756-6446 semoelderlaw.com

Healthcare Crisis Planning...

Can you afford to ignore it?

• Crisis Planning is more than just the Medicaid spend down •You and your spouse can go broke without a plan • It’s not too late, even if you’re in a nursing home •You can save a ton of money • We can create a plan that suits your family’s needs

110 S. Jefferson P.O. Box 454 Farmington, MO

MO NAELA Board Member 30+ Years in Practice

How to Choose - your local guide

How to Choose a Final Resting Place No one likes to think about choosing a final resting place. It is a daunting task that is often overlooked when planning a person’s funeral. of promptly? As you make these observations and others you feel are necessary, inquire about who owns and maintains the property.

Does the owner/manager have experience and a good reputation?

Whether pre-planning for yourself or a family member, this end-oflife choice has a lasting impact.

The decisions made will leave a legacy for the deceased and help the living go beyond the grieving process. Here are some thoughts to consider when choosing a final resting place.

One of the first things to think about when selecting a final resting place is family. If you have a large number of family buried in a certain cemetery, then that would be a good place to start. If you do not have a family attachment or there is no space available, then you would need to begin to search what options are available in your area.

location is preferable, so loved ones can pay their respects as often as they would like easily. Once you have found that location, if time permits, visit the cemetery over the course of several months paying close attention to the care given in maintaining the property. Is it mowed often? Are roads kept in good condition? Are downed limbs and other debris taken care

In many cases even well-kept cemeteries may not have long term plans in place for the care and maintenance of the property.

Long term planning for upkeep and improvements are important.

One way to ensure that plans are in place is to choose a perpetual care cemetery. A perpetual care cemetery is a cemetery where a portion of all property sales is placed in a special fund designed to care for the long term financial needs of upkeep, maintenance, and improvements.

As you explore your options for a final resting place take your time and do your homework. Don’t be afraid to ask questions. Look into the history of the person or company that owns the cemetery you

When purchasing a grave space, you are purchasing cemetery property. In much the same way as conventional real estate, location is essential. A convenient

are most interested in. Spend time talking to the property manager so you can feel at ease with your decision. Just remember if you have the opportunity to make this decision for yourself it can relieve an emotional and financial burden your family will face in the future.

C.Z. Boyer & Son Funeral Homes, Inc., Hillview Memorial Gardens offers your family all of this and more...

• Peacefully situated 1/2 mile off “OO” Hwy on Westmeyer Road in Farmington, MO • Endowed care where present and future care of the cemetery is provided for.

• No gimmicks or commissioned sales people.

• Continuously family owned.

• Backed by 5 generations of knowledge and funeral experience.

• Convenient office locations in Farmington, Park Hills, Desloge, & Bonne Terre.

hillview Memorial Gardens An Endowed Care Cemetery

A peaceful setting just south of Farmington on Westmeyer Road

573-756-5257

Graves spaces start at $600 with no interest financing starting at $40 down.

C.Z. Boyer & Son Funeral Homes Hillview Memorial Gardens “Family owned & operated since 1906”

Caring Experienced Professional www.czboyer.com

How to Choose - your local guide

How to Choose the Right Insurance Agent Selecting the Right Insurance Agent for Your Needs Getting the right insurance and agent for your needs will not only save you on time and money in the future, it will also leave you with peace of mind and satisfaction.

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 that everyone needs insurance coverage. An experienced agent can walk you through various options, keeping in mind your budget and lifestyle.

Before choosing an insurance plan, you will need to identify an agent to guide you through the process. Your financial future depends on finding the right person to help you get insurance that will fit your needs.

Your family, friends and colleagues have likely worked with insurance agents in the past. Ask people you trust for referrals. If you receive a recommendation, it is because that person has had a positive experience. There is a good likelihood that you will have similar results.

Successful agents understand that offering great service will keep them in business. Their careers depend on word-of-mouth.

If you are happy with the service you receive, your insurance agent will appreciate your willingness to refer acquaintances to them 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.

Select a company that is highly regarded by consumers. Read reviews of each company to determine who has the most satisfied clients. Are they easy

to work with? Have there been any problems with collecting on a policy?

Also, check that any prospective agent has all necessary licenses and training.

After narrowing your list of prospective agents, make an appointment to visit each one.

Prepare a list of questions and concerns about your personal situation. Take notes during your meeting. Remember that you must feel comfortable with the answers before purchasing a policy.

If an agent tries to pressure you into making a decision right away, inform him that you need more time and cannot sign anything immediately.

The right agent will let you take as much time as you need to understand the implications of each policy. They will give you useful information and not subject you to high-pressure sales techniques.

Your agent should be available.

The relationship 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.

How to Choose - your local guide

How to Choose a Security System You can’t put a price on security. Protecting your family and valuables are essential.

A professionally installed security system can help you and your loved ones feel comfortable in a challenging world.

These days, companies use cutting-edge, highly customizable technologies that will protect you from intruders and other potential threats. Whether you are searching for a home or office security system, choose a qualified, reputable company with a long track record.

THE COMPANY

There are plenty of companies in the market that can help you.

Choosing the best one can seem like a daunting task. Do you prefer a system with 24-hour monitoring? Would a wireless or wired system best fit your needs? Is a simple, basic system

CUSTOMIZATION

Consider how you want the system to be configured.

Security systems use several types of sensors -- from open-close sensors on doors and windows to motion sensors that capture movement. Picking the right sensors can make a big

Security systems often utilize zones or areas of protection.

Decide how many zones you need. A security system can monitor different zones in different ways. When you know the backyard is supposed to be unoccupied during the day, some systems might allow you to monitor the backyard zone while disarming the front door area.

THE EXTRAS

the best or do you need a more elaborate and high tech option?

difference in the usefulness of the system and the final cost.

Qualified, professional salespeople can help you navigate through your choices.

They don’t push products; rather they can educate you on all of the selections so you can pick the best one for your needs.

For instance, if you have a pet that likes to roam the house at night, you don’t want to have a motion sensor that trips accidentally. Older houses have wiring that might be difficult to handle, so you might opt for a wireless system.

Consider how much your alarm system will cost over time. Many companies will offer discounts on installing the system if you agree to a long term contract for monitoring services. It might be a smart agreement. Most people want their alarm system

monitored anyway, so getting a price break on a fundamental service makes sense.

Many systems provide additional service to make you more secure. You might consider getting sensors to detect fires, carbon monoxide, natural gas or water in your basement. These features can be easily installed by a professional.

The most important factor is trustworthiness. The best companies will support the product long after the sale is complete. They should help you with any problems and make certain you are comfortable with using your alarm system.

After all, a security system is an investment in your peace of mind.

Alarm Security is the leader in keeping up with the latest home security trends!

Call us today for a

FREE QUOTE!

Matt McMillen, Founder & Owner

• Burglary Protection • 24-Hour Fire Protection • Medical Panic Pendants • Cellular Monitoring (no home phone required) • Video Surveillance Systems

Relax, Alarm Security is protecting what you value the most 24 hours a day, 365 days a year!

Stop by our store for a FREE t-shirt or coffee mug!

720 West Karsch Blvd. | Farmington, MO

573-756-9191

Located across from Wal-Mart

www.alarmsecurityllc.com