061213 howtoguide

Step-by-step advice on how to choose local businesses.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

When should I replace my existing heating and cooling unit(s)? The time frame to replace an existing unit would be anywhere from 15-20 years old. Also, when replacing a unit (heater or air conditioner), it’s not necessary to replace both units when just one fails. In most cases it depends on the age of the equipment, most often the air conditioner will fail before the furnace.

system but will soon pay for it self in utility savings. Not every home is suited for a geo system; ground loops are often times the problem. If your home sets on a smaller lot or on rocky soil, you may not have the available area to place the loops.

Installation is another factor when considering a new HVAC system. Ask the contractor for

HOW TO... Select and Save on

Your Heating & Cooling Systems Choosing the correct company to install the equipment is just as important as choosing the right equipment. A poorly installed high efficient system can be less efficient than a properly installed standard system.

Many of the top name brands available have the same standard warranty. When choosing higher end HVAC equipment, the warranty usually increases as well. This is an added bonus because the higher end equipment typically has more expensive parts. Typically the most expensive parts on a furnace are the electronics, i.e. the control board, and on the A/C typically it’s the compressor. You may also inquire about extended warranties the manufacture may offer.

Furnaces have different efficiency ratings which are indicated as a percentage, the higher the percentage, the more efficient the unit.

Higher efficiency furnaces produce the same amount of heat as lower efficiency units of the same output BTU size. The difference is that the higher efficiency furnaces use less gas to do so, thereby saving you money.

Geo-thermal systems are a more economical and environmentally friendly alternative to heat and cool your home. Typically geo systems are more expensive to install initially due to the cost of the ground loop installation and the equipment cost 2-3 times that of a conventional

a load calculation on your home. This will tell you how many BTU’s are required to heat and cool your home. Make sure they inspect your ductwork for possible air leaks and proper sizing, mismatched systems will cost you more to operate and can cause premature problems with the equipment.

Cost is another factor when deciding on a HVAC contractor and the equipment he will be selling you. It is best practice to get at least three estimates from HVAC dealers. Often, equipment will fail at the most inopportune times, when this happens it’s hard to resist the temptation to just say yes to the first estimate you get. Some contractors try to push you into purchasing their equipment right away; a reputable contractor will not be pushy and will give you the time needed to make an educated decision. Be cautious of the contractors willing to “give” you the air conditioner for “free” if you purchase the furnace.

In reality you’re paying for the equipment it’s just hidden in the cost. Manufactures don’t give their equipment away to the dealer for free. Ask your HVAC dealer for references for past jobs. Ask the customer how well they liked the contractor, where they on-time, did they hold to the price they quoted. Call the Better Business Bureau and check into the contractors past to see if they have had any claims. Hopefully we have given you enough information to make you realize that brand alone is not as important as once thought.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Page 3

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Although a large number of home owners choose to remodel their kitchens out of a want to upgrade the space where they devote so much time, it’s essential to recognize that a kitchen remodel can significantly enhance the value of one’s home. In accordance with some reports, the return on investment for a kitchen remodel project could be in the 80 to 90 percent range. That’s a significant return on your property’s worth! Even

A kitchen remodel need not be an overwhelming project. Read remodeling magazines and searching the web for ideas to get yourself excited and catch the vision of what you would like yours to appear like. Subsequent, hire a qualified, trustworthy contractor by inviting several into your home to provide you with estimates, based on the total extent of work that needs to be done. As you review and compare the

HOW TO...

Choose a Kitchen Remodeling Company if you have no present desire to sell, performing a kitchen remodel now makes fantastic sense.

You’ll get to enjoy the advantages of a remodeled kitchen now, and reap the earnings when you are ready to sell.

Specialists agree that making cosmetic adjustments to your home is definitely the most beneficial approach to improve the resale value. A kitchen is a great place to start, given that there’s such a range of possibilities, from uncomplicated to considerable. When you are in a hurry to upgrade your home, perhaps you wish to place it on the market, you might look at refacing cabinets or replacing hardware. Also consider new light fixtures which won’t only brighten but enhance the work regions of your kitchen. (This is an easy upgrade for other rooms inside your home, as well.) For home owners preparing to move soon, these speedy kitchen remodel tips are economical, offering quick results.

For those desiring to remain place for awhile, a complete scale kitchen remodel can be a massive increase to just how much you appreciate your property. The kitchen is commonly known as the heart of the household, and for fantastic reasonit is exactly where a lot of family activities take place. A lot more than cooking goes on in most home kitchens, why not make the most of yours and turn it into a space you appreciate to be in?

estimates make sure all companies are quoting the same work so an equal comparison can be made between them. There are many factors outside of cost which will impact your decision, those to consider include quality of craftsmanship, experience in the type of work your are considering, reputation, follow through, customer service and support staff. Also, verify references to ensure their status as a reputable professional and confirm current liability insurance. Keep in mind, the company you choose will become respectively part of your family for the length of your project so it’s important to have good rapport with your contractor, trust your instincts.

Keeping the resale worth of your property in mind is very important regardless of when you’re planning to move. To that end, give some thought to the style of your house as you plan your kitchen remodel. You won’t want to install a modern kitchen in an historic home, for instance, and vice versa. Opt for appliances, hardware as well as other products together with your home’s feeling in thoughts and you will be pleased with all the outcomes, not simply inside the shortterm, but in the long-run, when it really is time to sell your house. With a new kitchen remodel, your home are going to be ready for the family to appreciate or for you personally to sell at an elevated price-whatever your choice.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

It’s important to use the right tool for the job.

And when buying a vehicle, you want to get the most reliable, high-quality one you can find to meet your needs.

Buying a lawn tractor combines both: It is a tool designed to do a specific job, and it is a small moving vehicle that needs to last — which is why you have to take time and do your homework before settling on the right mower.

maneuverability, the zero-turn mower is becoming a popular option. Used for years by commercial lawn crews, and recently becoming available at affordable prices for ordinary homeowners, the zero-turn mower can turn on a dime to precisely and quickly cut lawns of all sizes.

They’re especially useful for mowing close to homes, around playground equipment, or any place where the wide turning radius of a

HOW TO...

Choose a Lawn Tractor Lawn tractors come in a variety of capabilities and prices, ranging from around $1,000 to $8,000 or more. In between, you’ll find every combination of features and durability.

Start by knowing how you’ll be using the lawn tractor. You’ll want to factor in the size of your lawn, of course — bigger lawns will require a wider mowing deck — but you should also consider what, in addition to mowing, you’ll want to do with the lawn tractor.

Today’s high-end lawn tractors are more like scaled-down pieces of farm equipment than traditional riding mowers. They can be fitted with all kinds of accessories, from simple baggers and trailers to powerful tillers and snowblowers.

Remember, when you buy a lawn tractor, you’re not only buying the mower. You’re also buying an entire platform that can be used to do all kinds of jobs, so be aware of what accessories each brand offers.

Since most people don’t like spending all day mowing, it’s important to find a lawn tractor that can get the job done in the least amount of time.

Larger mowing decks can cover more ground in each pass, which is a good start, but there are other features to consider, too.

What kind of transmission does the lawn tractor use? How fast can it move in the top gear? How easy is it to change gears and turn in different directions?

For people who want the ultimate in

traditional riding mower can be a problem.

Finally, one of the most important considerations is how long you can expect the lawn tractor to last.

The reputation of a brand should be something you weigh heavily when making your decision.

Read online reviews and gather as much information as you can.

While there are lots of low-end, affordable riding mowers out there, very few of them have a good long-term reputation for durability. It’s usually a better idea, and more economical in the long run, to pick a durable, well-built model from a reputable brand than to buy the cheapest mower on the market.

Look closely at the construction of your lawn tractor to see if it will meet your needs. While you may not need the extreme engineering and high price of a commercial-grade model, you should buy the most well-built model you can afford and follow the maintenance schedule closely to get the most life out of it.

If you can find a knowledgeable local retailer with a long-term reputation and lots of happy customers, you’ll be well on your way to picking a product that can provide years of trouble-free lawn care.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Floor carpeting helps set the decorating tone for a room. It also gives warmth and protection for your family and pets.

With hundreds of choices available, it is possible to find the perfect carpet to fit your family’s lifestyle and budget.

Carpeting is a long-term purchase, and you should expect your carpeting to last for years.

So choose wisely since you will be living with

dimensions to the carpet store and let them do the estimate and discuss possible seams.

Most carpet stores will give precise estimates for free or at a low cost.

3. Consider the color and texture that will most suit your needs. You might want to create a warmer feel, lighten a dark room or match existing décor.

HOW TO...

Choose Your Carpet Selection When you find a carpet you think is right, take a sample home to determine whether it is actually what you want.

your choice for many years.

In order to choose the best carpet for your home and to ensure you get the best value for your investment, consider the following: 1. Consider the pros and cons of wall-towall carpeting.

Wall-to-wall carpeting is the most popular choice. It is permanent, though, and tends to be more costly; you have the cost of padding and installation added to the cost of the actual carpet.

2. Figure out how much you can afford to spend. Quality carpeting will last longer, wear better and be more stain resistant, so it is wise to choose the best carpeting you can afford.

When determining cost for an area rug, measure the room and determine how much, if any, of the bare floor you want exposed.

Area rugs tend to come in standard sizes, 5-by-8 or 9-by-12, and so on. There are some beautiful area rugs, patterned or solid, available at reasonable prices.

When calculating the cost of wall-to-wall carpeting, bear in mind that it, too, comes in standard widths. If you have an especially large or oddly shaped room, you may have waste or seams.

If you feel you are unable to get an accurate estimate yourself, bring the

4. Consider the options on where to buy carpeting. You can purchase carpeting from large stores, warehouses and small niche carpet dealers.

Each has its benefits and drawbacks.

You can even purchase carpeting online.

Generally, the store with the lowest cost will also have the most limited services.

Some smaller suppliers will bring samples to your house and make measurements before quoting a price. Visit a number of showrooms and ask lots of questions.

Small flooring stores will tend to put their focus on service. They may offer discounts for ongoing services after the sale such as carpet cleaning and stain- resistance protection.

One advantage of big box stores is that they often have financing plans. These warehouse stores often offer a package deal that includes not only carpeting but also padding and installation. But they tend to have limited and relative bland options.

They offer low prices because they buy a few standard type carpets and buy a lot of them.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Today's retirees want a lot more than rocking chairs. As more Americans remain active in retirement, they are looking for communities that match their lifestyles and goals for relaxed living.

When deciding on a retirement community, a series of factors should be taken into consideration, including the price, amenities and activities offered.

PET POLICIES If you have a pet that you do not want to leave behind, this is another feature to consider when investigating potential retirement communities. Some facilities will allow you to bring your pet to live with you while others will not.

CHURCHES, LIBRARIES AND SCHOOLS

HOW TO... Choose the Best Retirement Community for your Needs COMMUNITY ACTIVITIES These days, senior citizens are more active and health conscious than ever before. Many want to keep their activity levels high during their retirement years.

Thus, it is important to research whether such activities are easily accessible at any prospective retirement community.

Many seniors also enjoy participating in arts and crafts, board games, dancing and other organized activities. Taking part in a wide range of social activities can provide a tremendous opportunity for retirees to make new friends, so pay attention to what social events are organized by the retirement community.

It is also useful to research whether prospective retirement communities provide opportunities for residents to venture further on organized trips to theaters, museums and other events.

MEDICAL CARE FACILITIES It is advisable to conduct research prior to choosing a facility so that you know the location of the closest hospitals, doctors, ambulance services and other health professionals.

You may wish to restrict your search to communities located near your preferred physician or other service providers.

You should also know where the nearest libraries and churches are located, as well as where you can access public transportation such as trains and buses. You will also want to ask whether the retirement community provides its own transportation for local trips.

Some communities have their own fleet of minivans and buses for the purpose of providing local transportation. This is extremely helpful for seniors who no longer drive, do not have access to a vehicle or simply need to do some routine personal shopping.

THE COMMUNITY When selecting a retirement community, it makes sense to talk with current residents to get a feel for their level of satisfaction with the neighborhood. Ask questions about their experiences since moving into the community and seek candid reviews of the amenities and staff.

By taking the time to research multiple facilities, you can be sure to find more than just a place to live. You can find a warm, welcoming community in which you will build lasting friendships and where you can get the support you need to thoroughly enjoy your retirement.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

Welcome To

Eden Village Beautiful Garden Homes Depending on the situation, a variety of choices exist related to floor plans, meals, and rental options. And most homes come with carpeted living and bedroom areas, spacious fully equipped kitchen, a one car garage, patio, and the freedom to decorate and landscape to your heart’s content.

A short walk to our main complex and residents have access to an exercise room, library, dining room and community areas.

On-site banking, grocery store, beauty and barber shop, and computer stations are also available for resident use.

Living independently is paramount to many seniors and we have taken great strides to accommodate active lifestyles. As a caring and growing community, Eden Village has 40 stylish, one and two bedroom Garden Homes with all the amenities you want and need.

These beautiful homes are perfect for someone whose search for joy and happiness is not diminished by age or other common measures. They are designed specifically to help residents feel comfortable and safe without the worries of lawn care, home repairs or security.

Aside from living in a quiet neighborhood away from traffic noise, you are only a short drive to quality restaurants, hospitals, major grocery and retail stores, and banks.

Combine that with around-the-clock staff, you will see why a Garden Home may be right for you.

For more information or to schedule a personal tour of the facilities please call 618-205-4637. Eden Village is located at 200 South Station Road in Glen Carbon, IL 62034. You may also visit our website www.edenvillage.org.

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EQUAL HOUSING OPPORTUNITY

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Choosing a daycare is not a task to be taken lightly. Your children will likely spend just as much time in daycare as you do at work, so it’s important to choose a place where you’ll feel comfortable leaving your child.

Before making your decision, visit all the places you are thinking about. Call the director to make an appointment, but also try to stop by

safety in mind. Look for locks on doors, sharp edges and dangerous objects that could be in reach of children.

Your child will spend a lot of time at daycare and you don’t want him or her to be bored.

Ensure that plenty of activities are offered to keep your child’s attention throughout the day.

HOW TO... Choose the Best

Daycare for Your Child unannounced at another time to see how things go when the daycare isn’t expecting observers.

Be sure to bring your children with you so you can get a feel for how well they will adapt to their new environment. Observe your child while you are there and gauge his or her comfort level.

Here are some things to look out for when choosing a daycare.

One thing that can make or break a daycare is the quality and quantity of its employees. First, find out the ratio of caregivers to children. Even the best caregiver can’t provide good, thorough care to 30 children at once without help.

Also try to observe how the employees interact with the children. Make sure they have a good rapport with their charges and seem to genuinely like kids.

Make sure the daycare is housed in a safe and welcoming environment. Look for signs that it was decorated with children in mind, such as bright colors and fun décor. Be sure the lighting is adequate and ask to check out the bathroom, dining area, and the place where children take their naps. You should also spend some time evaluating any outdoor play areas. Every area of the daycare grounds should be set up with

Ask the daycare providers how they discipline the children. You might want to inquire about how they deal with specific issues you feel they may run into with your child.

Find out what the daycare’s sickness policy is. The best daycares will have a somewhat stringent policy when it comes to illness. This is ideal because it can protect your child from catching viruses frequently.

You don’t want to pay for a month of daycare and end up using all your sick days at work to stay home with your child because she keeps catching bugs from other kids.

Choosing a daycare is an important decision, so don’t rush into finding a place. Take your time and evaluate each option thoroughly before committing to one in particular.

If things don’t work out, don’t hesitate to find another daycare that is more suitable for your child. It may seem overwhelming, but with a bit of observation and intuition, you should have no trouble finding a suitable daycare for your child.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Signs of a heart attack vary by sex. However, if you think you are having a heart attack at any time, stop whatever you are doing and have someone call 911. Seconds are vital when treating a heart attack.

Yawning The man having a heart attack may feel the need to yawn frequently. The heart is not moving enough blood through the body, which results in the need to yawn.

WOMEN The signs of a heart attack in women are harder to diagnose. Therefore, it is very

MEN Severe Chest Pain For men, the first sign of a heart attack is

HOW TO...

Recognize Signs of a Heart Attack often chest pain that lasts several minutes.

While everyone experiences minor chest pain from time to time, a person having a heart attack will feel severe chest presure.

This pressure will sometimes travel from the chest to the shoulder area, arms and back.

The chest pain from a heart attack will not go away. Normally, it will intensify with the passage of time.

Shortness of Breath The man who is having a heart attack will have a shortness of breath. It will feel like he has run a marathon when he is totally out of shape.

Dizzy The man who is having a heart attack will often feel dizzy. This is caused by lack of air in the body, especially to the brain. The man who is having a heart attack may get so short of breath that he faints.

Teeth and Jaw Pain Interestingly, researchers have found that most men who have a heart attack will feel intense pain in his teeth and jaw. Again this pain will rate 7 or above on a pain scale of Cold Sweats The man who is having a heart attack may experience cold sweats. These sweats usually leave the man feeling cold and clamy.

Frequent Burps The man having a heart attack may also burp frequently. The heart attack causes acid reflux, and this makes the man need to burp.

important to understand the differences between how a man feels when he is having a heart attack and a woman feels when she is having a heart attack.

Chest Pressure Like men, a woman having a heart attack will often feel chest pain. However, the chest pain is often lower. This leads some women to feel that the discomfort is coming from their stomachs rather than their chest.

Shortness of Breath Almost six out of ten women who are having a heart attack feel that they are short of breath. Like men, this will cause the woman to want to rest, which will lessen the symptoms in some cases.

Extreme Fatigue The woman having a heart attack will feel unusually tired. The woman will feel like she just can not get enough sleep.

Back Pain Women will often experience severe back pain.

Nausea Many women who are having a heart attack will feel like they need to vomit. Doctors do not fully understand this feeling in women.

It is important to know the difference between men and women when they are having a heart attack. Knowing these signs can save a life.

Seconds really do count, so make sure and follow through by seeking emergency treatment immediately.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

MINUTES MATTER. MAKE THEM COUNT. Get cardiac care that’s close to your heart.

Heart care goes by one golden rule: Minutes equal muscle.

Simply put, faster treatment drastically increases the potential for quicker recovery, better quality of life… and better outcomes.

That’s why St. Joseph’s Hospital in Highland is a proud member of the Prairie Heart Institute of Illinois (PHII), a network of over 40 community-based hospitals that offer local cardiovascular clinics

UÊ The Prairie STAT Heart Program Fast, high-quality heart attack care to smaller communities UÊ The Prairie Rapid Read Program Specialists rapidly interpret tests performed at St. Joseph’s Hospital UÊ The Prairie Clinic Network Reduces travel for diagnostics and preand post-treatment

staffed by nationally recognized physicians.

Tell your doctor you want to schedule an appointment with a PHII cardiologist at St. Joseph’s Hospital in Highland. Call (618) 651-2750.

stjosephshighland.org

Choosing St. Joseph’s Hospital in Highland – just minutes from home – can add years to your life.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

• Get Money Out of Your Home:

With interest rates still at historic lows, refinancing your home can be a great way to save money and improve your financial situation.

A popular reason to refinance is to get money out of your house – known as a cashout refinance. This type of refinance allows you to access the equity in your home to use for other purposes. Popular reasons to do this include: consolidating debts that have a higher interest rate, making home

However, your home is most likely your biggest investment. So, a decision to refinance should not be taken lightly.

HOW TO...

Refinance Your Current Mortgate You should start by reviewing the basic reasons to refinance and define your goals.

Then, to ensure a successful refinance, you should team with experienced and knowledgeable lenders who are willing to work as your partner, taking you step-by-step through the entire process.

There are several reasons why a refinance may be a great option for you: • Lower Your Monthly Payment: Refinancing can be an effective way to save money on your mortgage by lowering your interest rate, thus lowering your monthly payment. Sometimes even homeowners who owe more on their homes than it’s worth are finding that refinancing can help them.

• Lower Your Total Costs: Refinancing can help you pay off your loan faster, greatly reducing the total amount of interest you pay. Many people are refinancing to shorter-term loans, such as a 15-year loan, to save money over the long term. This may increase your monthly payment. So depending on your situation, it may make sense to refinance at a slightly higher interest rate for a longer team and then to accelerate your payments to pay off the loan faster.

improvements and paying for college costs.

• Reduce Your Risk: Another reason to refinance would be when you have an adjustable-rate mortgage and want to lock into a fixed-rate mortgage.

This protects you from an increase in future interest rates, which would cost you money and may make it harder for you to afford your mortgage payment.

Many people are taking advantage of the current low rates available to refinance their adjustable-rate mortgage to a fixed-rate mortgage in order to reduce the stress and worry that comes with the uncertainty of an adjustable-rate loan.

While there are several reasons a refinance may be right for you, everyone’s situation is different. That’s why it’s vital to team up with lenders who have your best interests in mind.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

The average American eats out one of every four meals. That means we are eating 25 percent of our meals outside of the home. Many people choose to eat out more often than that.

Here are some things to consider when selecting a fine restaurant.

Food Cuisine in five-star restaurants varies widely with each restaurant having its own specialty.

The best way to learn about the menu at a topnotch restaurant is to look at its website. Most five-star restaurants will post their menus online.

Ask all people in the party what they feel like eating. If someone is on a special diet,

HOW TO...

Choose a Fine Restaurant Ratings One way that a consumer can find out about the quality of a restaurant is to read the Zagat reviews. These reviews have been written since 1979.

More than 156,000 surveyors ate out 25 million times, each offering their opinion on the quality of food and service at a variety of restaurants.

Zagat gives a total of 30 points to any given establishment. Each establishment is also given a letter grade.

Another great source when looking for a top restaurant is Michelin. Since the early 1900s, Michelin, better known for its tires, has produced restaurant guides for numerous countries around the world.

Unlike, Zagat, it relies on a professional to personally visit each of the restaurants that are then given star ratings. The company gives each recognized restaurant a rating from one star to five stars. Each restaurant can also receive additional rankings for being cost-effective or for having a grand view.

Trip Advisor is a great online source for restaurant rankings. A viewer can search for restaurants in many cities and with different cuisines. They can then read what writers have to say about the establishment.

be sure to take that into consideration. Many restaurants now offer heart-healthy meals or low carbohydrate meals. Furthermore, someone in the party may simply not like a given cuisine.

Budget If money is a consideration, there are ways to get a better deal. Most restaurants offer a cheaper lunch menu. Many others have great deals in the middle of the afternoon. Eating at these times will assure that you get to try the restaurant’s great food without breaking the bank.

Other great restaurants offer outstanding specials. It is perfectly acceptable when making a reservation to ask about any special the restaurant is offering. If you are treating the whole party, order the special for everyone when making your reservation. This will save time and will assure you of being able to pay the bill.

Some restaurants offer coupons, which are a great way to save money when trying a new restaurant. These coupons can often be found in the Sunday newspapers where the restaurant is advertised. Also look online for these coupons and print them out before visiting the restaurant.

Eating out at five-star restaurants can be great fun. Just remember to check the reviews first.

Then stay on budget. Try the tasting menu for the best opportunity to try a wide variety of foods.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

I’ve always wanted to go to the top of the Sear’s Tower. 108 floors of modern marvel and we can ascend into the clouds in seconds. We are taking the journey together, standing on the polished marble in the lobby of the Tower right now. The elevator doors open and in we step for the ride to the top. The doors close and we head skyward. It feels like our bellies are still in the lobby as we watch the numbers fly by: 30, 60 and suddenly, we’re at the top! The

market fluctuation can form a very solid foundation, especially when it provides an income stream through retirement. But what if you never had to pay tax on that income again? Eliminating the risk of higher taxes could have a huge impact on your retirement lifestyle! Both Roth IRA accounts and Cash Value Life Insurance, when properly positioned, can provide a tax-free income stream for you in retirement.

HOW TO... Stack the Odds Against

Running Out of Money in Retirement doors open but before we can step off they slam shut and we’re heading down fast! Floors ticks by as the dial spins out of control. Just as suddenly, the elevator come to a screeching halt halfway down and the doors open.

What are you going to do? Are you staying on board hoping that all will be well or are you jumping off for the safety of solid footing?

Folks, welcome to the stock market. The crazy rides we’ve taken feel like an out of control elevator ride. We were up in the 90’s only to drop for 3 straight years. But like the hero that saves the girl at the end of a movie, we headed back up from 03-07. But 2008 shocked us back into reality as the elevator headed back down and it was a long ride down. In the year 2008 the market lost nearly 34%. We pledged if we could exit, we never endure this ride again.

Present Day, the market is above 15,000 but the elevator dropping again is a lingering concern. So how do we protect ourselves and even prosper if the elevator does fall again?

It’s really quite simple: It’s imperative you reduce the RISK of losing money in retirement. It’s not about the lump sum, it’s about the income. We are living longer. Your money may need to last 30-40 more years. R.M.D’s and market fluctuations can have a dramatic impact on your financial wellbeing. Protecting a portion of your assets against

Roth IRA’s can be structured within low-risk/lowvolatility investments. Choosing a financial advisor who is a Fiduciary (legally obligated to work in your best interest) can give you assurance that the investment choice is prudent. While all assets invested in the stock market carry risk and may lose value, seek an advisor who can document historical performance of the accounts he or she recommends and offer reduced risk exposure to protect from the elevator freefall. If you’re wishing to remain out of the market, a Roth can be utilized in an annuity in which losses are protected from market volatility, and the annuity can be structured to provide the income stream we referenced earlier. Also, your income through retirement can actually go up with some accounts as well! How about that for an inflation hedge?

Cash Value Life Insurance, when properly structured, can provide not only a tax-free benefit for your beneficiaries, but can provide tax-free income during retirement as well. Here, seek an advisor who is well-versed in how today’s life insurance works, and who represents multiple carriers to find the best fit in meeting your goals and objectives.

Pablo Picasso once stated: “Only put off till tomorrow what you’re willing to die having left undone.” The time is now to take control of your retirement and enjoy the retirement lifestyle you deserve!

Page 18

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Page 19

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

You’ve decided that you want to buy a new a guitar or drumkit. Okay. Now what?

Because a musical instrument is an investment in both money and time, you need to find guidance. Lots of places sell guitars and drums but where do you find the guidance you need. Are you even aware of what you need?

trying to sell you?

The more hands on experience a sales person has the more guidance you will receive for them.

Consider product knowledge as well.

Is the sales staff knowledgeable and informed about the productds they are selling? Do they have a “real world” experience with them? You need to be

HOW TO...

Choose a Music Store Once you are serious about investing your time and money in learning to play an instrument you need to find a good music store that offers you selection, quality, experience and price.

SELECTION Does the store have a wide variety of guitars and drums to chose from? Do they have several choices at different levels of experience (beginner, intermediate or professional)? Do they have used instruments that suit your needs? And if you buy for a beginner, will they take a trade in when you are ready for a more advances model?

The more you have to choose from the better equipped you will be to make the correct decision.

EXPERIENCE How much actual experience with music does the store you have chosen have? A chain store maay not give you the same guidance that you would receive from an independently owned store. How much actual musical experience does the sales staff have? Do they have knowledge of all the equipment in the store? Can they answer all your questions? Have they actually used the equipment they are

comfortable and confident about what you are buying and who you are buing it from.

PRICE While price is important, it should not be the deciding factor. Most local music stores have more flexibility than chain stores and can often you as good a price, if not better, than you can get at a big box store or on the Internet.

Consider service as well as price. If something needs to be fixed is the store able and qualified to take of it in house?

Does the price quoted include a warranty? If so, what is covered by the warranty and what isn’t.

Part of the price of learning to play a musical instrument is lessons. Does this store provide lessons and at what price?

COMMITMENT How committed to the music industry is this store that you have chosen?

Is this just a job or are they committed to keeping music appreciation alive. Do they help local schools? Music is an art form. There should be a feeling of true interest in keeping that art form alive and growing through future generations. This type of commitment is usually found in your local music store.

Information provided by Mojo’s.

Page 20

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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• Where Price, Selection and Experience Make the Difference Page 21

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Our cars, trucks, SUVs and minivans get us to work on time, back and forth to school and transport our families to and from their destinations. So it is a necessity to have a trustworthy mode of transportation.

But at some point your are likely to find yourself in an accident.

It is vital to choose an auto body shop that

If the person seems both knowledgeable and helpful, keep that shop on your short list. If the person seems rushed or uninterested, it can mean that the shop is too busy right now or just simply has poor customer service. In either case, you can eliminate that shop from your list.

Once you have chosen a shop, check for

HOW TO...

Choose an Auto Body Shop you can depend on. The shop you choose should be able to complete all manner of work, from a minor touch-up to a full-body repair.

Even the smallest accident can throw your entire car, and schedule, into disarray.

You’ll need an auto body shop that you can consult when you have an accident to ensure your car is repaired quickly, affordably and correctly the first time.

Talk to your friends and family that live near you and ask which auto body shops they prefer. Once you have a list of names, consult the Internet for more information and customer reviews.

Internet testimonials, both positive and negative, should be taken with a grain of salt.

No business has a 100 percent satisfaction rate, no matter what they say. Someone will always be displeased. Also, keep in mind that people are more apt to leave a negative review than a positive one.

If you can’t get any good recommendations from friends or family, consult the Yellow Pages or perform an Internet search.

After you have created a short list of auto body shops, make some phone calls.

Describe to the person who answers the phone your exact problem and pay attention to the type of response you get.

plainly displayed prices, certifications and guarantees. Be aware that you most often get what you pay for when it comes to auto body work.

Low prices may be tempting, but they may also mean sub-par work, used parts and paint that is not applied properly.

Ask the shop manager or owner for references before you have them work on your car. They should be more than happy to provide names of customers with whom you can speak.

Also be sure to look at their work. If you notice a car with paint drips, panels that don’t line up or paints that don’t match, look elsewhere. You will not be saving money in the long run if you have to have the work redone.

Make sure that the shop is able to inspect your vehicle for repairs that are not visible.

Choosing a shop that can complete the entire job will save you from having to take your car to several places for a complete repair.

Picking a great auto body shop is the first step in getting your car back on the road.

Once you have made your selection, you should be comfortable with every aspect of the shop: customer service, price and quality of work.

Page 22

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

The objective of the cosmetology program is to prepare you for all aspects of salon service.

Courses include classroom theory and clinical practice allowing students to become proficient in the basics of shampooing, sculpting/cutting on all hair types, using salon tools, sanitation and hygiene. As you progress you will study the methods and products involved in changing hair texture and color.

Nail technology-artificial; Esthetics, Anatomy and physiology; Electricity and electrical services Preparing for State Board testing through verbal, written and practical exercises including: Labor law, Worker’s compensation; Client relations; bookkeeping; Marketing and merchandising; Emergency first aid; Right-

HOW TO...

Choose a Cosmetology School You will also study how to identify different skin types, performing skin treatments and makeup application. Manicures, pedicures and artificial nail services are also covered topics. Courses also include review exercises to prepare you for the State Board exam and the salon career of your dreams.

After classroom study, you will apply your knowledge and practice on clients in the clinic setting. Some courses have incorporated a complete people skills program addressing communication skills specifically for the salon environment. By developing people skills and strong technical knowledge, you will have all the resources you need to pass the State Board exam and become a success.

Course segments include instruction on: Hair styling, Marcelling; Hair sculpting/ cutting, Sanitation; Personal grooming and hygiene; Shampoo; Types of hair; Manicure/ pedicure; Nail disorders; Ethic, People and business skills; Working on clients on the clinic floor; Tools and their use; Skin diseases and conditions, Hair and scalp conditioning; Hair treatments, Hair relaxing; Permanent waving; Understanding chemicals and their use; Product knowledge; Home-care maintenance; Chemical safety, Thermal straightening techniques; Hair extensions and additions; Basic manicures; Basic pedicures;

to-Know laws; Pertinent State and local laws and rules.

The esthetics course will prepare you all for aspects of skin care. Early in the program, you will study the scientific concepts surrounding esthetics. This includes the study of cells, metabolism, body systems, bacteriology, physiology and human anatomy. You will gain the knowledge and understanding of chemistry and how it relates to chemical use for skin disorders and special esthetics procedures. You will learn how to identify skin types and perform a basic facial. You will also learn non-therapeutic or relaxation massage, mask therapy, tweezing, waxing, advanced facial treatments and makeup application.

A nail technology course will prepare you for all areas of nail salon service. Manicures and pedicures are just the start. Basic nail services, silk wraps, fiberglass, gel and acrylic applications, tips and nail repair are generally included. You will also learn about basis nail anatomy, nail art and airbrushing. Safety and sanitation procedures are also addressed in great detail. Hands-on workshops, lectures, demonstrations, audio-visual media, group discussions and review prior to testing enhance your learning experience.

Page 24

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Page 25

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

More than 150 million bikes are produced in the world each year, with Americans buying more than 15 million of those to the tune of $6 billion per year.

Riders have lots of choices in what kind of bicycle is correct for their situation, how much to spend and where to buy.

It is important to know what kind of bicycle you

Next, choose a shop that has a good education program. These programs should show you the pros and cons of each bike and help you to make the best selection based on your individual needs.

Also, attend events in your biking specialty.

Look at who is sponsoring these events, and ask people in your specialty about their experiences with various bike shops.

HOW TO...

Choose a Bike Shop need before you start looking for a bike shop – different shops specialize in different types of bikes.

In the United States, bicycles fall into four main categories – comfort bikes, mountain bikes, road bikes and fitness bikes.

Comfort bikes are the least expensive and are meant to be ridden in an upright position on smooth surfaces.

Mountain bikes are built for rugged terrain.

These bikes feature wide, knobby tires that will not go flat easily and offer the best shock absorption to keep the rider comfortable over roots and rocks.

Road bikes are the most aerodynamic, and are meant to be ridden on pavement over a long distance.

Fitness bikes are more comfortable than road bikes, but less aerodynamic. They require the rider to put forth more effort, which increases the number of calories burned.

After deciding what kind of bike you want, research shops that offer that specialty. This will allow you to find the best fit most easily.

Search the Internet, read online reviews and ask other riders about shops with a good reputation in your specialty, then look for a shop that has been in business for a few years. While not always true, this generally means that they will be there for years to come offering you service after the sale.

Once you have your list of shops narrowed down to two or three, visit the shops. The first thing to look for during a visit is a knowledgeable salesperson. This person should be able to discuss different bikes from personal experience.

Look for a shop that will allow you to test drive a bike at a setting of your choice. Sometimes, it will be necessary to leave a deposit to protect the bike shop’s investment.

Look for a shop that offers fully assembled bikes.

This will assure you that the bike is correctly assembled and adjusted. Each nut and bolt has a specific purpose.

The sales associate should be willing to help you choose the right size bike and to adjust it to your individual requirements.

Finally, look for a shop that offers activities to help you meet other people involved in this sport. This will keep you encouraged to ride often.

Buying your bike is the start of a great adventure.

By knowing what type of bike you want to purchase and doing your research on shops dealing in that specialty, you’ll be ready for miles and miles of fitness and fun.

Page 26

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Obesity is a growing problem in the United States. For many Americans, it is not only a cosmetic issue. It is also a threat to their health.

plan. Reading what others say about their plan will help you determine if it is the best plan for you.

Losing weight can be a challenge. The process requires dedication. Temptations are everywhere.

When you need help dieting, a weight loss clinic may be the answer. Trained professionals can help you set a realistic weight goal, educate you

It is always beneficial to know what others have experienced. Always remember, however, that what is effective for one person may not necessarily benefit someone else. Keep your personal requirements in mind at all times.

HOW TO...

Choose a Weight Loss Center on good nutrition and keep you motivated. They can also provide accountability.

There are dozens of options available. Each weight loss clinic has its own approach. Selecting the right clinic will help you reach your weight loss goals.

Research and Visit Start by researching weight loss clinics in your area. View their websites. It will give you an idea of what each clinic offers and their pricing options. Do you have to purchase special food? Do you have to go to meetings or keep appointments? Find out whether you are going to need to buy prepackaged meals as well as follow a good stringent diet regime. Make sure these commitments are convenient for your schedule.

Think about other information you may need.

Many clinics provide online courses, and some provide face-to-face get-togethers and weigh-ins.

Narrow down your choices and visit each clinic.

If you have questions, bring a notebook to jot down information. Observe the way personnel deals with clients. The staff should also be knowledgeable and competent. They should be enthusiastic and professional with everyone, not just potential or new customers.

Plans and Referrals Each clinic will look as though they have a great

You can ask the clinic staff for referrals. Also, it should be possible to speak with existing customers about their experiences. A clinic with a good reputation won’t have any issue with referrals. Previous as well as existing clients are often willing to talk about their own experiences, negative and positive.

A good weight loss clinic will have a follow-up system to assist you in maintaining a healthy and balanced way of life.

Before committing to a clinic, become familiar with the different plans they offer. Find out what support they offer, such as motivation as well as nutritional assistance.

Use your time at the clinic to create good nutrition and exercise habits. After you have attained your health goals, you will need to continue these habits to maintain your weight and fitness levels.

All in all, utilizing the services of a good weight loss clinic can go a long way to helping you succeed. It is easier to adhere to a plan when you have the assistance of knowledgeable and encouraging people who can help you accomplish your weight loss goals.

Page 27

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

There is nothing easy or nice about cancer. It’s a fight.

At Alton Memorial Hospital’s Radiation Oncology Center, our doctors enter this battle using the Varian TrueBeam™ system for radiotherapy. This innovative and non-invasive approach is a breakthough technology that delivers hope as it precisely targets and destroys tumors.

The new TrueBeam technology is a difference maker when it comes to treating cancer. As the first radiation center in the Metro East to offer this treatment and technology. Alton Memorial continues to provide the best cancer care close-to home. To learn more please call (618) 433-7979.

Fast. Power. Non-invasive.

Page 29

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

It’s easy to feel overwhelmed by the number and variety of doctors who are involved in your care as a cancer patient.

There is very good reason so many experts are required. Cancer treatments are most effective when provided by experienced specialists with particular areas of expertise.

Here’s an overview of the types of cancer

you may be completely confident with an oncologist’s diagnosis but prefer to be treated at a different hospital than the one where that oncologist is on the staff.

It’s also worth switching oncologists if you don’t seem to click. People have different personalities and communication styles. Maybe your doctor doesn’t provide

HOW TO...

Choose an Oncologist specialists you may be working with, separately or as part of a team: Oncologists are physicians who study, diagnose, and treat cancer. Each oncologist trains initially as a specialist in a particular area, such as surgery or gynecology, and then narrows his or her focus to cancers within that specialty. So, for example, a medical oncologist is an internist who treats cancer of the internal organs with chemotherapy, hormone therapy, and other medications, and a hematologic oncologist is an oncologist who treats cancers of the blood. Other specialties include gynecological, surgical, radiation, and pediatric oncology.

Naturopathic physicians prescribe natural therapies to slow tumor growth, strengthen the immune system through nutrition and to enhance conventional treatments.

Your relationship with oncologists has several phases, including diagnosis, treatment, and aftercare. You may work with the same doctors throughout or select a new team at some point. For example, if a second opinion differs from the original diagnosis and treatment approach, you’ll have to decide which doctor’s views you’re more comfortable with — or seek a third perspective. Or,

the encouragement you’re seeking, for example, or perhaps his or her treatment philosophy is to watch and wait while you’d rather take action, or the other way around.

There’s nothing wrong with seeking a more compatible bond.

Other questions ask the physician you are considering: Are you or your associates involved in research?

What are your office hours? Are you accessible after hours?

When you are out of town who will I see?

Who else will be participating in my care (other physicians)?

Can I bring a family member or friend to my appointments?

Do you accept my insurance?

After speaking with the physician are there questions that you should ask yourself.

For example: Does the physician listen to me and treat me as a person and not a disease? Does the physician clarify things and encourage me to ask questions?

These are a few examples of what to look for when trying to find an oncologist.

Page 30

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Whether you are an experienced boater or are new to the activity, you want to be sure you are buying a boat that both meets your needs and ensures the safety of you and your passengers.

If you are looking for a brand new boat, your initial investment will be substantial. A used boat will be less costly but may have disadvantages.

Unless you buy a used boat in pristine condition,

however, need to have a means of transporting your boat for purposes such as docking and storing.

Once you have selected a dealer, or narrowed down your list to several dealers, it is time to visit the lots. Be sure to take along a list of any questions that you have and make sure they are answered to you satisfaction.

HOW TO...

Choose a Boat Dealer you will be inheriting problems that can cost you money in the long run.

One of the biggest factors when buying a boat, new or used, is finding a dealer who is trustworthy. Dealers can be found from a variety of sources, and you should do your research before setting foot on the lot.

Find a dealer who is Marine Industry Certified.

A certified dealer has met or exceeded standards in a variety of areas ranging from its facility to the level of service.

It also means that the dealer will guarantee service both before and the sale. Check with local consumer websites and the Better Business Bureau.

Just as important as researching various dealers is researching the model of boat you are considering. Do this before a dealer so you aren’t unduly influenced by the dealer’s opinions.

To research a particular boat, visit the manufacturer’s website and boating forums and consumer-ratings websites.

Also, think about where you plan to go boating. Finding a dealer nearby will save you from having to trailer your boat for hundreds of miles should it ever need serviced. You will,

If you don’t feel confident you will ask the right questions, bring along someone who is more familiar with the boating world.

When you have selected a boat, make sure it is NMMA certified. This certification ensures that the boat is built according to the American Boat and Yacht Council’s standards and will meet U.S. Coast Guard requirements.

Before you put any money down on a boat or sign any paperwork, take any boats you are considering for a test run.

Be sure the engine is not warmed up before you arrive. You should get a feel for the handling of the boat, make sure that there are no potential overheating problems with the engine. You should feel comfortable with the handling of the boat.

Answers to your questions, a visual inspection and a test run will all play a part in your negotiations with the dealer. Barter a bit and make sure that you are getting a price you can reasonably afford.

See which essential accessories the dealer will include in the purchase price. Be sure to ask if your registration fees are included in the sale price. If they aren’t, you will have to handle registration at the Department of Motor Vehicles.

Page 31

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Heating and air conditioning are a modern luxury many people take for granted.

You adjust the thermostat and settle in comfortably. That is, until your HVAC system fails, leaving you sweltering in the summer or freezing in the winter.

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

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

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

HOW TO...

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

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

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

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

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

Make sure a company is fully licensed, bonded and insured. You may think this is being overly inquisitive, but it’s in your best

companies will file the permits for you at the local building codes office. Don’t take this for granted. Check with the permitting office first, because any work performed without the proper permits could become a major headache for you.

Have a load calculation done before installing a new system in any building. The company you hire should do this. The best ones don’t cut corners by using a general rule of thumb for sizing equipment rather than doing a thorough calculation. Don’t assume that a load calculation was done before the old system was installed. Buildings can change shape slightly over time due to foundations settling and cracks widening, affecting the efficiency of any equipment.

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

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

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

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

Page 32

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Hearing loss is something that affects more than 40 million Americans and can have serious impact on the personal and professional lives for those who have not sought proper assistance.

People often ignore their hearing problem because they feel embarrassed or don’t want to admit they have a “weakness”.

Among the best-loved types of hearing aids are those capable of fitting entirely inside the

retailers. And, if a hearing aid is not adjusted properly or does not fit comfortably, it will not provide you with optimal results. Also consider that when you need your hearing aids adjusted, you will probably have to take or send them back to the place you purchased them since they are usually programmed with vendor-specific software.

HOW TO...

Choose a Hearing Aid ear canal such as the Completely-In-the-Canal and the Invisible-In-the-Canal. These styles can successfully correct moderate hearing loss while helping people maintain a natural look. Today’s Behind-the-Ear hearing aids styles have gained much popularity for being cosmetically appealing, lightweight, and comfortable. Open-Fit options exist for those with high frequency hearing loss that eliminates the “plugged up” feeling that many people experience with In-the-Ear styles.

Receiver-in-the-Ear styles, which are only detectable by a thin wire that goes into the ear canal, are even suitable for severe losses and remain small in size thanks to the placement of the receiver inside the ear instead of the actual hearing aid. Options even exist that provide relief for those who have Tinnitus, or ringing in the ears. These hearing aids feature customizable sound generators that shift focus away from the Tinnitus over time. As a result, the wearer can focus on conversations and other sounds of interest more easily.

While today’s hearing aids can be expensive, an article in the Winter 2013 issue of Hearing Health magazine (a publication of Hearing Health Foundation), advises that looking for a bargain at large retail stores or on the Internet may not benefit you in the long-run. Such hearing aids may be cheaper, but selecting, fitting, and finetuning hearing aids requires a level of expertise and experience that may not be available at large

In order to determine whether you need hearing aids you should have your ears examined and hearing tested by a licensed hearing specialist.

Hearing aid specialists are trained to look for certain “red flags,” which may signal an underlying medical condition. If any of these warning signs are present, you will be referred to a doctor who specializes in disorders of the ear. If the specialist determines that you can be treated with a hearing aid, your test results will be used to select hearing aids that will produce the best corrective results. Your lifestyle and typical listening environments also help determine the style and level of technology necessary for you to achieve the desired results with your hearing aids.

Be sure your hearing aid provider gives you a trial period so you can try the hearing aids in different listening situations, like restaurants and church so you can make an informed decision about the hearing aids you are purchasing. And, don’t forget to ask about re-stocking fees or other hidden costs. Word of mouth is another a good indicator, so ask other people where they went to get their hearing aids and whether they were happy with the service they received.

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975 E. Edwardsville Road, Wood River, IL Page 35

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

To join a credit union, you must be eligible for membership. Most credit unions are organized to serve people in a particular community, group or groups of employees or members of an organization or association.

Each institution decides who it will serve and the initial share deposit for membership.

Decisions are based on what stockholders will give stockholders more profit.

CREDIT UNIONS: Not for profit, not for charity, but for service. Decisions are based on what’s best for the members.

BANKS: Income is returned to the in the form of higher dividends on their shares of

HOW TO...tell the difference

between a bank and a credit union Is My Money Safer in a Bank or Credit Union?

Most credit unions are insured though the National Credit Union Administration (NCUA).

Some credit unions provide additional excess share (deposit) insurance.

A member who has share accounts in two or more different insured credit unions would have coverage up to the full insurable amount in each credit union.

Monies deposited in a bank are usually insured by the Federal Deposit Insurance Corporation (FDIC).

The FDIC preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks; by identifying, monitoring and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank fails.

Local Financial Institutions: Shop around. You won’t have to look far in Madison County.

Make a list of the things that are important to you and see how your financial institution stacks up.

BANKS: Generate profit for stockholders.

stock.

CREDIT UNIONS: Income is returned to members in the forms of better savings rates, lower loan rates, and low or no fees for services.

BANKS: The Board of Directors is paid a salary. Daily operations are performed by a paid staff.

CREDIT UNIONS: Unpaid volunteers from the membership serve as Board of Directors and guide the credit union. Daily operations are performed by a paid staff.

BANKS: Only people who own stock can vote for the Board of Directors. The customers who use the bank don’t have a say.

CREDIT UNIONS: As owners, members elect fellow members to serve on the Board of Directors.

When you know the differences between banks and credit unions, you can make informed decisions about where to deposit your money. You will find that credit unions can be an excellent alternative to banks and other financial institutions, with comparable, competitive services and rates.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

People who suffer from back, head or neck pain, often find relief by visiting a chiropractor.

These trained professionals believe that realigning your spine will help relieve tension throughout the body.

Treatments can also help your muscles, joints, bones and ligaments.

This type of care can improve your general health as well. Some patients discover

In addition, most chiropractors offer affordable payment plans or low cash rates to help patients who aren’t covered by insurance. Even without health insurance, many people still find that chiropractic care is a cost-effective method of treatment that gets good results.

Get Referrals One way to find a good chiropractor is to ask

HOW TO...

Choose a Chiropractor headaches and other ailments heal after treatments.

Whether you are experiencing pain or just want to improve your overall well-being, you might benefit from seeing a chiropractor.

Here are some tips for finding the right chiropractor to fit your needs.

Quality According to the American Chiropractic Association, accredited chiropractors go through at total of at least 4,200 hours of classroom, laboratory and clinical training time combined.

The educational requirements are among the most stringent in the health care industry. Each student spends four years in a pre-medical program, in addition to the required four or five years of professional training.

This rigorous training ensures you will receive expert care.

Before choosing a chiropractor, ask about their training and credentials.

Insurance Coverage Check with your insurance company to make sure your visit is covered. Most insurance carriers include chiropractic care as part of their regular coverage.

Find out if your insurance company offers discounts for choosing an “in-network” chiropractor, such as a lower co-pay or more affordable coverage.

your family, friends and co-workers for referrals.

Chances are someone you know has received excellent treatment from a chiropractor. They are usually happy to share their experiences with you.

Ask about the chiropractor’s demeanor and the ease with which you can schedule office visits.

You should inquire about the chiropractor’s philosophy about health and other wellness topics. Some practitioners will also recommend other forms of care, including massage.

By taking your time to find a good chiropractor in your area, you are guaranteeing yourself the affordable, convenient and effective health benefits that come from chiropractic care.

With the cost of medical care skyrocketing, chiropractic care is still rather affordable. Given the results it can provide, it is also usually well worth the money.

Unlike the ridiculous amount of time spent in waiting rooms for large doctor’s offices, chiropractors are usually quick to see their patients. Despite the hectic schedule you may have, they can usually find a time that fits into your busy day.

Overall, people are satisfied with the care they get from their chiropractor and will gladly tell you about it. However, the best way to see what it is like is to try it for yourself.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

DARIN CHIROPRACTIC Dr. Christina Darin, D.C. 2339 Pontoon Road Granite City, IL 62040 Phone: 618-931-2050 Fax: 618-931-2048 cdarin@darinchiropractic.com www.darinchiropractic.com Pain relief from

• Headaches

• Neck Pain

• Lower Back Pain

• Sciatica

• Plantar Fasciitis

• Carpal Tunnel Syndrome

We offer ChiroThin and other weight loss programs.

Practice Description

Pain relief, subluxation based, rehab, electric stim, ultrasound, cold laser, rock tape, orthotics, GRASTON, manual therapy, whole body vibration, decompression, xray, weight loss, flexion/distraction, Thompson, diversified, and Activator.

Certifications CKTP, Sole Supports, GRASTON Technique, Rock Tape

Conditions we can help with

• Back Pain

• Low Back Pain / Disc

• Neck Pain And Whiplash

• Carpal Tunnel / TOS

• Problems

• Sprains And Strains

• Headaches & Migraines

• Neck Pain

• Wellness

Treatments

• Activator

• Decompression

• Graston Technique

• Ultrasound

• Chiropractic Adjustments

• Diversified

• Orthotics

• Weight Loss

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• Rock Tape

• Whole Body Vibration

• Cold Laser

• Thompson

• X-ray

• Flexion / Distration Technique

Most insurance accepted. Affordable payment plans for cash patients.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Consulting with a disability lawyer is a great way to ensure that anyone suffering from a disability receives every available resource and opportunity to help them fulfill their true potential and lead the most satisfying life possible.

There are many benefits available for eligible veterans. Seniors who may be entitled to veterans’ benefits should always take steps to ensure they receive everything they are

There is a wide array of potential issues for seniors drawing close to retirement. A few of the most significant priorities currently facing seniors are medical expenses, hospital costs, drug prices and nursing care. Estate planning and wealth management are other topics of great interest to this specific segment of the population.

Those possessing specialized, professional

HOW TO... Choose the Best Elder

Law Assistance

expertise in these areas can be invaluable to seniors and can help safeguard their financial futures.

When seniors feel assured that their health coverage and other benefits are guaranteed, they have a greater likelihood of enjoying good health as they age.

Launched in 1966, Medicare is one of several federal programs in existence for the benefit of seniors. The purpose of the program has always been to ensure health coverage for Americans over the age of 65.

It is also possible for individuals with qualifying conditions who are younger than 65 to receive benefits under the program. Among the expenses covered by the program are hospitalization, prescription drugs, physicians’ office visits and home nursing assistance.

Elder law attorneys are tremendous resources for anyone interested in learning more about Medicare benefits. Qualified lawyers experienced in this area will be able to provide invaluable information regarding program eligibility and can help senior clients maximize the benefits to which they are entitled.

Attorneys specializing in disability matters have the ability to greatly enhance the lives of their clients. Such professionals can help guide clients toward the healthcare resources, financial assistance and educational benefits to which they may be entitled.

due. Attorneys specializing in veterans’ affairs are invaluable resources for those who need help understanding what types of benefits are available and the necessary processes for claiming them.

In many cases, spouses of veterans also have the ability to receive certain types of benefits and an experienced lawyer can help them effectively navigate the system.

No elderly individual should ignore estate planning. Ensuring that the distribution of one’s assets occurs in a deliberate, tactical manner is the best way to safeguard wealth for future generations.

Failing to draft a thorough estate plan can lead to devastating outcomes and can cause the unintended dissipation of wealth that leaves younger generations without the financial resources the decedent had wished them to receive.

Estate planning lawyers have the expertise necessary to craft legal documents able to fulfill their client’s true intent regarding how their assets should be distributed. Skilled estate planning lawyers can also offer creative methods for protecting as many assets as possible from the unwanted effects of the probate process.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Homeowners everywhere can benefit from the addition of a sunroom or porch enclosure to a home. Sunrooms add to the aesthetics of any architectural style, provide the option to enjoy sunshine during all seasons without suffering from intense heat, wind, or cold, and they also let you enjoy the peacefulness of nature without the pesky intrusion of bugs. Sunshine is known to provide Vitamin D, which contributes to

be tough for people who have trouble making decisions because there will be many details to discuss, but the end result will be exactly fit to your personal preferences.

Porch Enclosure Plan Homeowners that have an existing covered porch or screen room can easily convert it into a sunroom. This can be a project done by the

HOW TO...

Plan Your Sunny Space bone health and helps to increase feelings of happiness. If you’ve decided to add a sunroom or porch enclosure to your home, there are several planning options to consider.

Pre-Fabricated Sunroom Plans from Contractors Many homeowners choose to hire a local contractor to install manufactured sunroom systems for a simple and economical addition.

These systems can be installed fairly quickly with some site preparation. Pre-made sunroom plans from local contractors give homeowners the ability to ask questions and receive advice on the various options available to them. Prefab systems also allow contractors to give you an immediate price estimate. The limitation of this planning option, however, is that the premade plans may not always fit your unique function or property needs.

Custom Sunroom Plans If a pre-fab, standard sunroom system isn’t the ideal solution for you, then consider having a custom plan created by an experienced architect or full-service sunroom company. This option gives you complete flexibility because you won’t be limited by materials or sizing issues. Depending on your budget and personal preferences, hiring a professional to design the perfect sunroom for your needs may be an investment worth making. This option may

Do-it-Yourselfer or by a Professional. There are a variety of window and wall options ranging from pre-fabricated to conventional construction.

Windows can range from a hybrid 3 season room window that allows maximum ventilation to a 4 season room window which offers full thermal protection. Putting together a plan can be simply done by measuring up the allocated space/windows and either priced out by the homeowner or by a professional contractor. This is the most affordable way to create a sunroom.

DIY Sunroom Plans Online Homeowners who want to save some money and rather invest their own time and efforts in creating their own sunroom plans can use online tools to help them. With this option, it is VERY important to take precise measurements and pay careful attention to every detail of the plan so that there are no mistakes during construction.

You may choose to build the addition yourself, or hire a contractor to follow the plan you have created. Keep in mind, that a DIY plan carries more risk for the homeowner because there will be no one else to blame if something goes wrong.

Page 41

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

When it’s time to buy or sell a house, working with the right real estate agent can save you time, effort, and money.

Are they genuinely concerned about your needs? In other words, are they more interested in your wants and needs and Conversely, choosing an agent who doesn’t are they knowledgeable about the current keep your best interests at heart can cost you housing market? Do they have the ability to a lot of time and money—and headaches too. negotiate a contract?

Do yourself a favor and take the time to find

Overall, how comfortable do you feel with

HOW TO...

Choose a Real Estate Agent a real estate agent who is perfect for you and your needs. This is one decision you won’t regret.

So how do you select a good agent? Here are a few tips to keep in mind.

First, what’s the difference between a real estate agent and a Realtor? A real estate agent may or may not be a Realtor, but every Realtor is required to be a licensed real estate agent.

Choosing a Realtor gives you the peace of mind of working with someone who has been trained well, who has solid knowledge of the real estate business, and who is bound by a strict code of ethics.

One of the best ways to find a good Realtor is through word of mouth. Ask around to see if any family, friends, or co-workers can recommend someone.

Keep in mind that an agent who is good with buying homes may not be as good for selling homes, so be sure to pick someone who is skilled at what you need.

each agent? Are you confident that the agent will work toward your benefit and help you to secure a good deal? Do you trust the agent to behave ethically and to fulfill his/her end of the commitment?

Look for a real estate agent who communicates effectively, both with you and with the other party for negotiations.

If you are selling your home, you agent should develop an effective marketing plan, explain it to you, and respond promptly to any questions you may have. Marketing your home will likely involve placing advertisements such as listing your home of the Multiple Listing Service (MLS) for Realtors and conducting open houses to invite the public to view your home. Make sure that you select a real estate agent with whom you can get in touch easily; after all, the best marketing plan in the world will need your cooperation.

After you’ve selected a real estate agent and successfully bought or sold your home, make sure to keep his/her contact information on hand.

When you conduct the initial interviews with prospective Realtors, pay close attention to how you feel while interacting with them.

Page 44

H

C

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Selecting a dental professional is key in maintaining your health and appearance.

In the past, picking a dentist posed little difficulty. Routine cleanings, X-rays and the handling of more complex dental procedures were all the duties of the local dentist or the dental office that was designated by the patient’s insurance company.

These days, patients tend to conduct

hours. Try to find a practice staffed by knowledgeable, personable employees.

Check that he or she has earned the necessary degree from a reputable school and are current on all licensing and continuing educational requirements. Ideally, he will be familiar with the latest dental technologies and trends.

Always make certain that a prospective

HOW TO...

Choose the Right Dentist independent research in order to find a dentist with whom they have complete confidence, and one they believe is best able to improve their dental health in a convenient, comfortable environment.

The process of selecting a dentist should include consideration of several factors. It makes sense to seek a dentist whose office is near your home or workplace and operates at times convenient to your family.

Getting recommendations from loved ones and colleagues can be a great way to identify the best dentists.

Dental offices often have their own websites, which include facts about the practice itself and the educational and professional backgrounds of those working there.

A few things to research on a dental office’s website include the rates to be charged for various types of procedures, how appointments are handled and what kinds of specialized services are offered.

You should also try to learn how much lead time is usually needed in order to make appointments for teeth cleanings and other routine procedures.

It is important to find a dental office able to provide emergency services when unexpected issues arise. You can learn whether a given office offers such services by simply placing a call during business

practice accepts your dental insurance. The best dentists are known for providing stateof-the-art dental care while striving to create and maintain a healthy, beautiful smile for patients.

Payment policies should be discussed in advance of any procedure, with estimates being given for all services. If dental insurance will be used, always check to be sure your chosen dentist accepts your coverage type. If not, you may need to find an alternate dentist.

Discuss payment plan options ahead of time, especially for the most expensive procedures.

When visiting a dentist for the first time, he or she should be professional and friendly.

Every dentist should be willing to answer all questions pertaining to the individual patient’s needs and concerns.

If phobias and pain are concerns, patients should make that fact known during an initial visit with a prospective dentist and determine what can be done to alleviate them. Many dentists are willing to go above and beyond to cater to patients with these specific issues.

A basic oral health history should be taken by the dentist, and possible future treatment and prevention options should be discussed.

A good dentist will work to make his or her patients comfortable and should have a pleasant personality.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Carpets are an elegant investment in your home. Carpets also need to be regularly cleaned to maintain their beauty and last for years of enjoyment.

What Kind of Experience Do They Have?

How many years has the company been in business and what experience does the lead technician have cleaning carpets. Have they

A quality rug cleaner will be able to identify your rugs based on type and origin to use the correct cleaning method to eliminate dye bleeding, and distortion of your fibers.

They should also be a member of a reputable association like the Association of Rug Care Specialist (ARCS) and certified by the Wools of

HOW TO... Choose a

Carpet Cleaner and Rug Repair cleaned your type of carpet fibers or handle your type of stains to achieve the best cleaning results.

Which System Do They Use? The equipment that a cleaning firm uses is incredibly important. Do they follow the manufactures guidelines and use only approved systems. A Truck Mounted Hot Water Extraction System is the standard and will ensure your carpets are cleaned properly and meets all requirements Are They Insured and Guarantee Their Work All service companies entering your home should carry the appropriate insurance and workers compensation insurance to protect you from liability. Always ask during your initial call if they have the proper insurance and what guarantee do they provide. A good company will have insurance and will back their work up.

Area Rugs are made from many different fibers and backings compared to your wall-to-wall carpet and require specialist to clean and repair them. When choosing a service to handle your rug you may want to consider the following; All Rug Cleaning Companies Are Not the Same -Never select a rug cleaning firm based on price alone. Price is not the best measure of quality because if your rug is damaged a cheaper service will cost you more.

New Zealand (WOONZ).

Area Rug Repair Area Rugs are made to last but can overtime need repairs and it is important that you choose a reputable rug repair company. Area rug repair is compromise between conservation and restoration most often appropriate for rugs sent in for cleaning. Repairing allows the rug to become functional again and last longer. Rug repairs include patching, reduction is size, overcastting graying ends and sides, new fringe and spot dyeing.

Area Rug Restoration is defined as returning a rug to a condition as close as possible to its original condition. Ideally, this requires matching dyes, fibers and structure as closely as possible to the original. This level of work is done when the value and rarity of the rug justifies the expense of restoration.

Area Rug Conservation is defined as preserving an object from further damage and little change to its current condition. Rugs that are conserved usually are rare have a scientific, historical, and artifact value to them.

Your area rugs are investments and choosing the right rug care company can go a long way to ensure your rugs will be around for years to come for your enjoyment and use.

Page 46

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 12, 2013

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Carpet Care Plus is the premier carpet cleaning provider for the Metro East since 2001. Local residents know they can count on Carpet Care Plus to provide the most outstanding service for all of their wall to wall carpets, furniture, and Oriental Area Rugs. Metro East Commercial clients count on Carpet Care Plus to maintain their carpets through regularly scheduled cleanings. Local businesses also count on us to clean furniture, dividers and walk-off mats to provide your business with clean, sanitized and with a spot free appearance.

Carpet Care Plus boasts the only Rug Cleaning Plant in the Metro East area and maintains certifications with the Wools of New Zealand and the Institute of Inspection Cleaning and Restoration (IICRC) and the Carpet and Rug Cleaners Institute of Illinois (CRCI). Proud members of the Association of Rug Care Specialist (ARCS).

Robin’s Rug Repair is the Midwest’s premier area rug repair, restoration & cleaning company providing the solutions you need to maintain the life, quality, and value of your area rugs. No matter the origin of creation, Robin’s Rug Repair has the resources and tools to take care of your rug repair need.

Robin, a rug repair and restore specialist with experience and training, treats every rug need with special care. Along with her nation wide affiliation of rug repair and restoration experts, Robin thoroughly enjoys the individual and unique challenges each rug brings while maintaining its natural beauty to be treasured for many years to come.

All Technicians are certified and receive ongoing training on all aspects of cleanings to ensure our area customers receive the Best Cleaning Solutions to meet and exceed their needs.

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121 Behrens Dr., Suite 1 O’Fallon, IL 62269 618.632.0883 www.robinsrugrepair.com Page 47

Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Many people dream about getting married.

They want everything to be perfect: the church, the flowers and the music.

Women in particular may feel the need to look perfect. The quest for the dress has been the basis of books, movies and even TV shows.

Taking the time to choose an outstanding bridal shop can ease the process, saving you valuable time you can put toward planning other wedding

shapes and sizes.

Budget Dress prices can vary. Some bridal shops carry a wide range of prices and selection, while others may work with a more exclusive clientele.

Just because you like a particular bridal shop, it doesn’t mean they’ll offer dresses within your price range.

HOW TO...

Choose a Bridal Shop details.

Finding the right bridal shop is easy, once you know what services you need.

Dress Styles Before shopping for your dress, leaf through bridal magazines to see which styles appeal to you the most.

Consider factors such as your body shape, best body features, and which aspects you want to minimize.

Once you’ve found a few dresses you like, look for a bridal shop that carries those styles. A good bridal shop will also have salespeople who can suggest what styles would look most flattering on you.

Bridal shops have ready-to-wear dresses that may be altered, but some shops make custom dresses. This option is more personalized, but also more expensive.

Color and Size Most people think of a wedding dress as being white, but there are many alternatives — like platinum — and even different shades of white.

You may want to see which shade of white gives you a natural glow.

As you compare bridal shops, make sure that the shop you favor offers a large selection of dresses in your size. Plus-sized women should have many styles available. These days, bridal shops understand that women come in all

Alterations Don’t forget to budget for the cost of alterations.

Some women are lucky enough to fit into a dress perfectly the moment they take it off the rack, but most must have their dresses altered for the best fit.

Since you’ll likely purchase your dress months before the wedding, it’s entirely possible that your body size or shape may change before the wedding.

This can mean multiple trips to the shop, especially in the days leading up to the wedding.

Be sure to choose a bridal shop that makes alterations convenient for you.

Convenience Perhaps a shop farther from your home best matches your needs, or maybe a small shop in your neighborhood offers better customer service.

How much room does the bridal shop have?

Finally, be sure you have plenty of room to try on your dress. Since weddings and receptions require a lot of sitting, standing, and even dancing, you must feel comfortable in your dress.

A good shop will encourage you to move around to see how the dress feels in these different situations.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Due to the fact that 97% of consumer research online and then purchase offline, (from plumbing services to bridal gowns) your website needs to hold high rankings to be available to search engine results pages.

This “availability” starts with ensuring that your website not only properly and efficiently represents your business and the services

gives you the opportunity to reach these online shoppers at the “moment of relevance”, when they are shopping or looking for the products or services your business has to offer. SEM is partnered with detailed tracking and reporting. Running a business without SEM is like releasing a film without putting out any trailers.

If you have a website, you need a wireless

HOW TO...

Your Grow online Audience and products you offer, but that it is “search friendly” to those online users (over 79% of adult consumers). Adding a 30 – 60 second YouTube video to your site is a great start! This online video can drive consumer interaction and buy-in with a business.

Your website productivity is not solely graded on photos, etc. There are many components that contribute to your website ranking.

Seek digital media consultants that can conduct a website analysis to determine what digital media services will help you reach your business goal.

The first step is to learn about search engine optimization. This digital service improves page ranking; therefore, increases traffic to your site. Commonly referred to as SEO it also assists with natural or “organic” search results. SEO can deliver more targeted traffic, bring more click-thrus, enhance brand visibility and provide costeffective leads.

application protocol (WAP). With 35% of searches conducted on smart phones, your website must be WAP’d, or you risk losing those prospective customers. This category of “shoppers” wants to be able to find your business or call your business easily and stress-free while “on the go”. WAP allows 24/7 access for editing, options for video, QR codes and more……services that drive traffic to your website.

If a digital media services consultant claims to guarantee you page 1 or 2 placement on search engine results pages, they are misleading you. No organization can guarantee placement. Experienced digital media consultants will direct you as to which products will benefit your business the most, to ‘move up’ these results pages and stand strong above your competition. Finding a consultant who has partnered with Google, the nation’s #1 search engine with 93% reach of internet users, is your first priority.

Pay-per-click advertising campaigns, or Search Engine Marketing gives you the opportunity to choose “key word phrases” that you want your website to be “linked to” and available to the online audience. SEM Page 50

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

The best way to ensure that you are getting the right flooring is by choosing an

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

Remember that phone book ads are paid for; larger ads will go to the companies with the larger budgets. The Internet can also be misleading when it comes to searching for

HOW TO...

Choose a Flooring Dealer qualified floor dealers. One should be wary of the top search engine results, as these don’t necessarily mean that the dealer is reputable.

Instead, it simply means that their website is ranked highly.

Be sure to read any consumer review websites with a discerning eye. These review Budgets may be tight and consumers are concerned with the prices of the products they sites can be appropriate but anything read are choosing for their home. This is not one of online should be taken with caution. those cases where it pays to be overly frugal.

Make a list of potential flooring dealers you When selecting flooring and a respective are considering and give each of them a call. dealer, you must think about the long term.

You can ask if they can provide any referrals You need to make sure that you are getting from prior customers for references. the best value possible. It is always nice to Find out what installation services they find a great product at a great price, but what use and how reliable they are. Be sure to if something happens in 10 years and you inquire about their warranty coverage and the have no warranty on which you can rely? guarantees they offer on their flooring.

Finally, you can check with your local Better Another important factor to consider is the types of additional services and support that a Business Bureau or Chamber of Commerce floor dealer can offer. This is where customer for any complaints against the business, or lack thereof. service plays a crucial role. Your choice of flooring dealers should be based on the While shopping around, you might find that services they provide in the long-term. local dealers can offer comparable or lower If at all possible, it’s best to find a locally prices, and a better variety of materials, than based dealer with a track record of great the larger chain stores. Overall, most people customer service. It’s worth spending have better experiences using a flooring extra money on flooring and buying from a dealer that has been in business for many flooring dealer you can trust. You are buying years. more than just flooring; you are building a relationship that comes with a guarantee for your product.

experienced flooring dealer, especially one that is familiar with all of the various brands and types available. A good dealer will assist you in determining the flooring material best suited to your needs.

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Wednesday, June 12, 2013 — Consumer How To Guide — www.theintelligencer.com

Choosing a college or university is an important, very personal decision that you should research extensively. Crucial selection criteria can help when sorting through admission catalogs and visiting websites or local college fairs.

Prepare a list of five to seven schools, advises Dr. Joni Bastian, vice president for student affairs

tests are given throughout the year. Some give a writing proficiency exam to students seeking admission. Others require high school students to have taken some college preparatory courses.

Most colleges want high school records to check an incoming student’s grade point average minimums.

How will you pay for tuition?

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Choose a University at McKendree University in Lebanon, Ill. “You may want to include both larger and smaller schools if you are unsure about the size of the campus you want to attend,” she says.

Admission counselors—professionals who work for colleges and universities—will guide you through the decision process but before you apply, consider the following: Does the college offer quality academic programs?

Colleges offer a wide variety of academic programs, from liberal arts to pre-professional. If your major is not listed but you are interested in other programs, you may have an opportunity to minor, pursue independent study or self-design a major.

Undecided on a major? A liberal arts curriculum will expose you to a variety of subjects as you complete your general education requirements. Ask what services are provided to help you decide on a major.

“Remember that it is common to change your major and that it’s OK to not declare a major during your first year,” Bastian says.

Make sure you meet academic requirements for application. Many colleges and universities require qualified ACT or SAT scores and these

Financial aid is available through grants, loans and a variety of scholarships. These are based on financial need or good grades and activities outside the classroom. For example, scholarships may be offered to athletes or to students who have been exceptionally active in their schools or communities. Many independent scholarships can be researched and applied for online.

Additionally, grants are available from the federal and state governments, and from the institutions themselves. The financial aid office can help you and your family understand the process for obtaining scholarships, grants and private aid.

Be sure to complete the Free Application for Federal Student Aid (FAFSA) to determine what state and federal support is available based on your family’s or personal income. Go online to www.fafsa.gov for more information.

Will you live on campus?

Living on campus makes it easier to meet people and get involved. “Current research indicates that students who are engaged with their learning community are more likely to succeed in school,” says Lisa Brennan, coordinator of first-generation student success at McKendree University. “Living on campus is a great way to immerse yourself into the college community.”

Some schools require first and second-year

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students to live in campus housing; some do not allow them to have vehicles on campus; and others offer limited housing. Compare the cost of room and board to that of commuting from home or living in town.

Do you need special attention?

A small student-to-faculty ratio offers more opportunity to participate actively in class, know

from home for special occasions, holidays and spring breaks.

What’s next?

In addition to campus websites, the following resources can save you time and money as you make your decision: Colleges of Distinction recognizes colleges that

HOW TO...

Choose a University your professors and receive personal attention.

Many colleges and universities offer tutoring, special testing environments or academic support centers to help students succeed. If accessibility is an issue, inquire about ways to get around the campus.

Where is the school located?

Location is important not only for commuter students but also those who want to get involved in the community. It can also affect the availability of internships and employment opportunities.

Internships are programs that give you an opportunity to work part-time in the field you are studying. As a student intern, you can gain valuable work experience and make connections in your chosen profession.

Urban area colleges and universities may be accessible via public transportation; however, some students may not feel comfortable living in a big city. Suburban schools offer convenient access to the city but transportation may be limited. A rural environment may be regarded as safe but offers limited professional and cultural opportunities. Safety is an important factor to consider when selecting a school. Be sure to ask what the college or university does to keep its students safe.

“are the best places to learn, to grow, and to succeed.” http://www.collegesofdistinction.com/ U.S. News & World Report compares colleges and universities by rankings that include price, ACT/SAT scores, retention rates, and student-to-faculty ratio. http://colleges.usnews. rankingsandreviews.com/best-colleges College Board offers resources about preparing for, finding, applying to and paying for college. http://www.collegeboard.com U.S. Department of Education/FAFSA offers the Free Application for Federal Financial Aid. http:// www.fafsa.ed.gov/ eCampusTours offers virtual online tours of participating colleges and universities (registration required). http://www.ecampustours. com/ G.I. Jobs offers online resources for military students. http://www.gijobs.com/education.aspx

If you choose to live on campus, you should factor in the cost and means of traveling to and Page 55

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Get A Great Education With Your Degree

Committed to providing students with a high quality, affordable private undergraduate and graduate education, McKendree University has a 95% job placement rate after graduation, is ranked among the top “Best Regional Universities” by U.S. News & World Report, and is the only institution in Illinois to be named to “America’s 100 Best College Buys.”

The campus is located in quaint and historic Lebanon, Illinois

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