Consumer How To Guide 2014

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Wednesday, June 18, 2014 — 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.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

Lawn tractors can help cut down the time it takes to mow your lawn. A high-quality vehicle can assist you with a variety of tasks, making landscaping easier and even more enjoyable.

It’s very important to find the right fit for you in order to get the features you need and want.

Everyone knows it’s important to use the right tool for the job. Finding a good lawn tractor that is built to last will go a long way toward making your job

The transmission and speed is also a factor.

How easy is it for you to change gears and turn in different directions?

The zero-turn mower is another popular option.

These vehicles can turn quickly and precisely to cut lawns of all sizes and shapes. While they have been used for years by commercial lawn crews, only recently have these mowers become affordable for the average homeowner.

HOW TO...

Choose a Lawn Tractor less of a hassle.

THE RIGHT FIT Lawn tractors come in a variety of capabilities and price points. Most range from $1,500 for a simple, basic model to $10,000 or more for a fullyfeatured, commercial-grade tractor. In between, you will find a vast mixture of features and durability.

You can select the right model by asking yourself how you will use the lawn tractor. The size of your lawn is important, of course. Bigger lawns need a wider mowing deck. You should also consider other things you will do with your lawn tractor.

High-end lawn tractors are more like pieces of farm equipment than traditional ride-on mowers.

You can purchase accessories for them, such as baggers, trailers, powerful tillers and snowblowers.

You are not only buying a lawn mower. These tractors are platforms that can be used for all kinds of jobs. So check on the accessories that come with each model, even if you don’t plan on purchasing them yet. You may appreciate the choices in the future.

SPEED, MANEUVERABILITY Most people want to finish the job in the least amount of time.

While it is true that large mowing decks will cover more ground with each pass, there are other things to consider as well.

Zero-turn mowers are particularly useful when mowing close to homes, playground equipment and other tight areas.

DURABILITY The longevity of your lawn tractor is also an important consideration.

The brand’s reputation should weigh heavily when you are making a decision. Research consumer reviews and talk to your friends and family members about the best brands of lawn products.

Also, visiting a retail store and talking to knowledgable salespeople will also help you.

There are plenty of low-end, affordable riding mowers out there, but few have a reputation for durability. It is economical in the long run to choose a well-built model from a reputable manufacturer.

Inspect the construction of each lawn mower carefully to verify that it will meet your needs.

While you probably don’t need the extreme engineering and high price of a commercial-grade model, you ought to buy the best model you can afford and follow the maintenance directions closely. It will help you get the most usage for your money.

Finding a good dealer is an essential part of the process. When you locate an experienced local retailer with a long track record of happy customers, you will be well on your way to selecting the right lawn tractor for you.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — 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.

Page 6

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

Making funeral arrangements can be hard.

Dealing with the death of a loved one is a challenge.

That’s why it is better to think ahead so you can have a clear mind while making these difficult decisions.

Most people don’t have much experience with planning funerals. When the time comes

patient with you.

It is important to get written estimates for everything. Ask about hours for viewing, inhouse versus off-site services, cremation services, additional fees and special requests.

The Federal Trade Commission mandates that funeral homes must provide customers with a price list. If you believe the casket prices

HOW TO...

Choose a Funeral Home to visit a funeral home, they find prices vary dramatically. Indeed, funerals can be costly.

Planning before your time of grief will help you make wise decisions under difficult circumstances.

Here are some things to consider when you must select a funeral home.

The first step is to find out if the deceased has made any funeral arrangements and whether these plans need to be changed.

Sometimes weather may be an issue or other factors may get in the way of what has already been planned.

If no arrangements were made, ask family and friends to see if the deceased made any specific wishes. If possible, respect those wishes.

If pre-arrangements with a local company exist, then contact that company.

Arrangements bought years ago may not cover the cost of the funeral or represent the latest wishes of the deceased. If you are in this situation, look around to see if another funeral home has a better arrangement, or make adjustments as necessary.

Budget is a major concern for most people.

Inquire about basic fees. Ask about services the funeral home may offer and if payment arrangements can be made. Ask questions and take notes. Staff members should be

are too high at one funeral home, you can purchase the casket elsewhere without being subjected to additional charges.

Do not decide on a funeral home right away.

Think about it for a bit. The decision should be made with clarity, free from emotion.

After deciding on a funeral home and type of service, documentation is the next step. The funeral director can help you with the required forms and permits. You should have a copy of the death certificates and make the actual burial or cremation arrangements.

When other relatives or friends are involved, it is best to find a funeral home that fits your family’s needs. Talk with them honestly and compare notes. Don’t allow yourself to be pressured into additional services you don’t need or can’t afford. Stay within your budget.

Talk to the funeral home and tell them who in the deceased’s family is authorized to make decisions. Be very detailed about your expectations and what kind of arrangements you want. Tell them if something is not being done according to your intentions.

Good funeral homes will guide you through the process to ensure that the funeral runs smoothly for everyone. In your time of grief and hardship, preplanning can give you a small measure of comfort and peace.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

THE SAKSA FAMILY

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Page 9

Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

A reputable Realtor and real estate agency can make a big difference when you buy or sell a home.

There are thousands of dollars at stake.

You could get the asking price or maybe you will have to settle for the best offer on the table.

A real estate agency will act in your best interests.

That’s why it’s essential to find a high-quality real estate agency.

The marketing strategy and advertising is what makes each agency unique. It will greatly influence the sale of your home.

Although most companies might look the same, real estate agencies have a preference for the kind of properties they show or sell. These concentrations might include commercial properties or high-end homes. Try to find a business with a

HOW TO...

Choose a Real Estate Agency Reputation says a lot about a company. What do people say about their services.

Ask your family, friends and neighbors for recommendations. Their experiences will guide you toward a reputable agency.

Once you have a list of possibilities, do some research. Find out how long the agency has been in business. Ideally, you want people who know your community.

If the real estate agency is merely a side business, it might not give you the best results.

Buying and selling homes is a full time job.

Look on the Internet and read customer service reviews. They should also have an impact on your overall impression of an agency.

Once you have narrowed your list, contact some businesses and ask them questions. You should know about their listings, fees and commissions. If an agency is focusing on their own best interests rather than marketing your home, you should drop them from you list. You need someone who will help you.

Choose an agency that has connections with the community, a sharp understanding of neighborhoods that interest you and solid contacts with other realty companies.

This assumes major importance when you’re selling your current house, because the agency usually handles the sale while the Realtor helps you find your new one.

focus that concentrates on selling homes similar to yours.

Look at an agency’s listings to see if your home would fit in nicely with their existing clients. If you were purchasing a home, would you find their listings easy to read and informative?

The size of the agency will have an impact on your experience. Small agencies can provide more personalized service, but they may not have the networking advantages of a large company. Big agencies have more opportunities to network and sell your home, but they may have to divide their time among many clients.

Be prepared to ask an agency the following questions if you are selling your home: -- How will you advertise my home? Will you use the Internet and newspapers?

-- How many pictures of my house will appear online?

-- On which sites will my home be featured?

-- Do you have other homes that have recently been sold in this price range?

-- How long has the agency been selling homes in my neighborhood?

-- What makes your agency unique?

The two biggest financial decisions you will make in your lifetime is buying and selling a home. Protect your investment and peace of mind by choosing the best and most trustworthy real estate agency you can find.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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.

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.

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.

CHURCHES, LIBRARIES AND SCHOOLS

HOW TO... Choose the Best Retirement Community for your Needs

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.

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.

Page 11

Eden Village

Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

Welcome To

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.

Page 12

EQUAL HOUSING OPPORTUNITY

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

Pregnancy is a huge milestone in a woman’s life. It is also incredibly stressful.

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

If your gynecologist is also an obstetrician, it means she can deliver babies and perform a C-section, if needed. It is likely you can

rate.

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

A midwife is specially trained in pregnancy and childbirth. These caregivers provide

HOW TO...

Choose the Best Maternity Care continue seeing the same practitioner.

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

Recommendations One of the most effective ways to find a good practitioner is to ask your family and friends who have been through the birthing process.

Inquire about their experiences. Most people will have strong opinions about the quality of their care. In particular, seek out people who have had complicated pregnancies or births.

Your primary care physician should also have recommendations for you.

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

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

Observe everything. How does the staff treat patients? Is there a long wait? Is the office clean? Do you have a good feeling about this doctor?

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

more personalized attention. Some women feel more comfortable with a midwife.

If you prefer minimal medical intervention, a midwife can be a great choice. In some cases, you can even give birth at home. Just remember that a midwife is not a doctor.

If your pregnancy or childbirth runs into complications, you will still need to go to a local hospital.

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

Find out what happens if she is unavailable when you go into labor. Some ob/gyns work at a practice with other doctors. They may rotate being on delivery duty. If this is the case with your doctor, schedule some of your prenatal checkups with the other practitioners so you can get to know them better.

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

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

Once you have found the home of your dreams, most buyers want to close the deal as soon as possible.

But finding the right mortgage lender can be time-consuming. The key is to take as much time as necessary to do things properly. You must also make sure you are dealing with quality lenders.

Lenders with excellent customer service can

you will likely forfeit deposits because you broke the deal. You might also owe an additional amount based on the total of the initial mortgage payment.

Extra costs can be avoided if you take time when signing all agreements.

If a lender is rushing you through paperwork and pressuring you to sign the form, he is not doing his job properly. Your best interests are likely to be

HOW TO...

Choose the Right Mortgage Lender make things go smoothly. But if your lender is only concerned with his or her bottom line or making extra money on selling loan products, use caution.

The best mortgage professionals are knowledgable about their loan products. They are willing to spend as much time as possible to explain them to you. They take pride in guiding you through what could be a confusing process.

They keep your best interests and financial priorities in mind.

Do some advance research on your loan options prior to meeting a mortgage professional. It will help you determine whether he or she is truly concerned about your needs.

Basic knowledge about the financing process will help you make a sound assessment about a mortgage lender’s skills and abilities.

PURCHASER’S RIGHTS The mountain of forms, declarations and even financial terminology can be daunting to inexperienced homebuyers. It is always smart to exercise care during the home-buying process.

Understand what you are signing and any obligations you are assuming.

A signature is a permanent commitment. Some buyers may have a very short time to back out.

Otherwise, they are liable for what is in the document.

Even if you back out during that short period,

neglected.

COMMUNICATE WITH YOUR LENDER The best mortgage lenders will focus on understanding your long-range financial goals.

They will ask you how long you intend to remain in this new home. Your answers will help him find the best mortgage products to suit your needs. It is a red flag if a lender fails to ask you this type of question.

SEEK LOCAL LENDERS Seeking out a mortgage lender in your community is the best option. Interest rates vary on a daily basis. A local lender will know the rapid changes happening in the community’s housing market. They will understand how these changes may affect you.

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

TAKE ADVANTAGE OF PERSONAL REFERRALS Ask your friends and family about their experience with mortgage lenders. They may be comfortable recommending the same professionals they used for their home loans.

Word-of-mouth is often the best way to identify quality professionals in your area. Once you have a list of possibilities, verify their backgrounds so you can will confident in their ability to help you.

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Wednesday, June 18, 2014 — 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 16

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

You’ve decided that maybe you would like to buy a new a guitar. Okay, so now what? Because a musical instrument is an investment in both money and time, you need to find guidance. Lots of places sell guitars, but where can you find the assistance, advice and expertise that you need? For that matter, do you even know what you need? Once you are serious about investing your time and money in learning to play an

as well. The sales staff should be knowledgeable and informed about the products they are selling.

Independent store staffs have “real world” experience.

You need to be comfortable and confident about what you are buying and who you are buying it from.

Price While price is important, it should not always be the

HOW TO...

Choose a Music Store instrument you need to find a good music store that offers you selection, quality, experience and price.

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 Selection or on the Internet. Consider service as well as price.

The store that you deal with should have a wide If something needs to be fixed, is the store able and variety of guitars to choose from. They should qualified to take of it for you? Is the guitar covered by have several choices of guitars at different levels a warranty? If so, what is covered by the warranty and of experience (beginner, intermediate, advanced, what isn’t? Most guitar shops should be able to handle professional, etc.) and price range. If you are buying the majority of repairs and warranty claims. Lessons for a beginner, will they take a trade in when you are are a valuable tool when learning to play guitar. While ready for a more advances model? The more you have there is a lot of information online, nothing is better to choose from, from the better equipped you will be to than one on one instruction from a qualified teacher make the correct decision. who actually enjoys what he or she is doing. Our store provides lessons at a reasonable price and we even Experience include free ones when you buy your new guitar.

How much actual experience with music does the store you have chosen have? A chain store may not Commitment be able to give you the same guidance and advice Your independent, local music store has a lifelong that you would receive from an independently owned commitment to the making of music and to providing store. Most independent guitar shops are owned by the tools necessary for people of all ages and skill career oriented people with real life experiences in levels to make music. Remember that music is an art playing music, either professionally at one time or as form and not a commodity. It is not something that is a hobby. Because they have personally selected each sold to the highest bidder or bought for the lowest price. and every item in their store, independent store owners Your local dealer should have a genuine interest in and employees have superior knowledge of their keeping that art form alive and growing through future products over the average chain-store employee. They generations. This type of commitment can definitely be have actually used the equipment in performing and found in your local guitar shop, Mojo’s Music. professional situations. The more hands on experience a sales person has, the more expert advice you will receive from them. Consider product knowledge Page 18

www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — 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.

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Page 21

Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

Choosing the right dentist will go a long way toward helping you maintain your health and appearance.

Whether you need a routine cleaning or a complex dental procedure, finding the right dentist will save you time and money. No one wants to have a root canal redone because of shoddy work.

services. If you break a tooth or need to have a root canal done right away, it is vital to find an available dentist.

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

Your prospective dentist should accept

HOW TO...

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

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

So how should you start your search?

First off, ask your social network for recommendations. Friends, family and colleagues can be a great resource.

Searching on the Internet for dental offices in your area will also help. Professionals often have their own websites, which include the backgrounds of those working there. The website may also tell you about how they handle procedures and appointments, as well as specialized services they offer.

Once you have gathered a list, begin calling each prospective dentist. You can talk to a receptionist or other staff person if the dentist is unavailable.

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.

Ask if the dental office provides emergency

your dental insurance. If not, you may need to cross that person off your list. If you have no dental insurance, inquire about payment plans. The office should give you an estimate before performing any work.

When someone meets all of your requirements, visit the office. The staff should be professional and friendly. Every dentist should be willing to answer all of your questions.

Some people are afraid of dentists or pain.

If you have any concerns, communicate with the staff and dentist. Many professionals are willing to go above and beyond to help you work through these issues.

A basic oral health history should be taken by the dentist or staff. They should tell you about future treatment and prevention options. A quality dentist will help you feel comfortable during your visit. If you experience anything less, cross that person off your list.

The best dentists offer friendly, happy dental experiences.

Teeth are extremely important to your overall health. They can also help or hinder your appearance. Finding a good dentist is like finding a friend who consistently brings out your best smile.

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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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Wednesday, June 18, 2014 — 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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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

Golf remains one of America’s most popular sports. Men, women and even children enjoy spending time on a golf course. The quiet, beautiful surroundings are a fantastic way to unwind and escape from daily life.

If you are looking for a great golf course, you have many options. With enough research, you can find a location that will stretch your skills

Family-oriented amenities include pools, water slides and kiddie play areas. Other are better for couples, such as a romantic restaurant, hot tub and scenic guest areas.

Anyone who owns or manages a business knows that golf courses are excellent places to hold meetings or executive retreats. Some of the best courses provide meeting rooms and guest

HOW TO...

Choose a Golf Course without breaking your budget.

THE COURSE The course itself is the top factor for any serious golfer.

The ideal course should be difficult enough to challenge you. While going to the same handful of courses close to home is a good way to learn the basics, now is the time to grow your skill set.

Most golf courses display their course layouts online. There are also difficulty rating so you know what to expect. Look for a layout and rating that is very different from your usual fare.

Sometimes, professional golfers officially endorse a golf course. They might even prepare a statement to give golfers insight into the arrangement. Some golf course designers have stellar reputations. Find out if there are any wellknown names involved with your prospective golf course.

The best courses match the natural surroundings. They will provide a beautiful backdrop to put you in the right frame of mind.

Sometimes, the most memorable experience comes from playing in extraordinary settings.

services that rival five-star hotels.

The bottom line is that the amenities should match the purpose of your visit. Each location is different, catering to a unique clientele and price points, so shop around for a good match.

SERVICES Every course offers a list of services that will make your visit more enjoyable.

Ask about club and equipment rental. The smartest golfers prefer to try different brands of equipment before buying it. It is often the way they find the best clubs.

Take advantage of other services that might be offered. Most facilities know that a golf course is an excellent escape from daily life. They want you to feel pampered and special.

The best golf courses have gorgeous settings, excellent amenities and exceptional service, as well as the challenging course.

AMENITIES Amenities can bring added enjoyment to your game, especially if you are traveling with family or friends.

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Wednesday, June 18, 2014 — 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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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

With the advent of new shoe soling materials and the recent growth trend of European Fashion Comfort, women today have some of the broadest selections of attractive and comfortable footwear to choose from. Today, comfort is fashion—a trend many women hope is here to stay.

Foot comfort and foot health is often a

cushioning and shock absorption: i.e. latex or polyurethane; • a broader and deeper toe shape; • a design (pattern) that comes up higher on the instep; • a store that knows and cares about fitting— and has a selection of choices for you to choose from.

HOW TO... Choose a Comfortable

Casual, Career & Dress Shoe function of shoe selection. The wrong shoes can cause pain and discomfort. Women should select from lower heels with broader bases that will help take pressure off of the ball of the foot. For additional forefoot comfort, select a style with a broader and deeper toe shape that actually fits the shape of your feet.

Experts recommend that you choose a style with a shock absorbent sole and padding at the ball of the foot—made from either latex or polyurethane. Today, many such styles exist—a vast improvement over the leather-bottomed, pointed shapes of yester-year. Pointed, leather-bottomed dress shoes on high heels are a recipe for discomfort and foot problems such as bunions, neuromas, hammertoes, etc.

Shoes that come up higher on the instep provide a better all-around fit. The instep is a stronger part of the foot than the toes. Shoes that hold-on through the instep don’t have to hold so much through the toes. These shoes allow the toes more room and comfort than low-cut shoes.

When selecting a Career or Dress shoe, look for: • a low (10/8” or less) broad based heel; • a good, firm heel counter; • sole and heel materials that provide

Very tired feet should consider using dressy footbed sandals as dress shoes (one of the great advantages of Spring/Summer over Fall/Winter). There are many dressy footbed sandals that have tremendous support but still look great. Some footbed sandals even come in black patent leather and have higher heels. The construction of these sandals provides almost as much support as a custom foot orthosis.

It helps to think outside the box: look at all of the waking hours in your week and maximize the number of hours spent in truly foot-friendly footwear. If you have to wear pumps for eight hours at work, wear a footbed sandal, casual shoe, walking shoe, or athletic shoe at home or on the weekends.

By resting and supporting your feet during your “off hours” you give the muscles and joints in your feet the rest they need for the working week—and make your dressier shoes more comfortable.

Did You Know?

• According to the American Podiatric Medical Association, seventy-five percent of all Americans will develop a foot problem in their lifetime.

• Approximately 88 percent of American women wear shoes that are too small for them.

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Wednesday, June 18, 2014 — 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...

Grow Your 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 32

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Many people make the mistake of thinking estate planning is only for the rich. The fact is, making a plan is the best thing you can do for your loved ones, regardless of your financial standing.

It is always best to document how you want your property and other assets handled in the event you die. People who do not have a plan in place often leave heirs with legal difficulties, inconvenience,

expensive than other types of coverage. But whole life policies, annuities and other insurance products may be more appropriate for your circumstances.

Understand what you might be buying. In some cases, a policy may benefit the salesperson more than it does the customer.

It is essential you take all the time you need to learn about a particular policy before purchasing

HOW TO... Choose Estate Planning Tips and Advice

unnecessary taxation and family arguments.

Consulting with an estate planning professional can having a lasting impact on your legacy.

After all, estate planning isn’t just about protecting heirlooms, it also provides security for your family. Consider these tips for creating a sound, logical estate plan.

SEEK LEGAL COUNSEL While some people use online forms to draft a will, most people would benefit from consulting with an estate planning attorney. This experienced professional can create legal documents with your specific circumstances in mind.

It’s true everyone should have a will, regardless of age. But that is only the first step in developing a solid estate plan. You should also create a living will, power of attorney and possibly a trust.

Consult an attorney who has experience in developing estate plans for those whose situations are similar to yours. Do not try to do it alone.

LIFE INSURANCE POLICIES Life insurance policies provide for loved ones in the event of your death.

There are a wide range of options, and only a few will make sense for your situation. A professional can guide you through the possibilities and help you make appropriate choices.

Term life insurance policies are generally less

it. If you have any hesitation or confusion, ask another professional or keep researching. You should feel certain that you are choosing the best policy for your needs.

FUNERAL EXPENSES Funerals are very expensive, sometimes up to $10,000. You don’t want to leave your family with large bills. That’s why you should plan ahead to cover the cost of your own funeral.

Pre-paid funeral plans are a popular option, or you can simply buy a burial plot in advance so that one major task will be handled before your death.

It may be uncomfortable and even frightening to consider, but it is something that must be addressed as part of a solid estate plan. Visit funeral homes in your area to discuss prepayment options.

COMMUNICATION IS KEY Communicate with your family in general terms about your estate plan. Talking to them about what they can expect could head off estate disputes and heartache.

A good estate planner can help you navigate complicated family dynamics and concerns that may accompany this process. The right estate plan and experienced professionals can make your legacy a blessing that your heirs will treasure for the rest of their lives.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

While the overall size of homes has been decreasing over the past few years, there has been one room of additional space that has been growing in popularity…

Sunrooms Top Homeowners’ Wish Lists The National Association of Home Builders (NAHB) recently conducted a survey about sunrooms. 52% of builders ranked sunrooms to

feel bright and inviting.

Sunlight Lifts Your Spirits and Enhances Wellness We are all victims of fast-paced society. Having a place to unwind at home is priceless to so many busy homeowners. A sunroom allows you to soak up positive energy from natural sunshine and it also provides a place to really relax and let the

HOW TO... Choose a Sense of

Escape: Sunrooms be either “desirable” or “essential” to homeowners.

People love sunrooms because it allows the energizing light from the sun to envelope the space. It gives homeowners the similar enjoyment of being outside, but without having to deal with annoyances like bugs or other undesirable environmental elements.

The results of the NAHB survey indicated that sunrooms are more important to homeowners than any other accessory room including exercise rooms, media rooms, dens and libraries.

Extend Your Living Space with Sunrooms Sunrooms are the perfect addition to any home.

If you feel limited in space and would love to have more area to entertain guests or just to relax, a sunroom is the perfect solution.

Step into a glistening sunroom and surround yourself with the beauty of nature. Crack open the windows on a spring day and let a gentle breeze brush past you while the panoramic views of the outdoors engages your senses.

Sunrooms are both an aesthetically pleasing addition to nearly every style of home, and they are also extremely functional. Many homeowners complete the space with comfortable furniture for reading or lounging, or they may set a table for enjoying their morning coffee while reading the newspaper.

Additionally, sunrooms give the feeling of being much larger than traditional rooms with comparable square footage. The openness of a room surrounded by windows makes the space

worries of your day melt away.

Stress can truly be a catalyst for so many other emotional and health-related issues. That’s why sunrooms are so good for both the body and the soul. If you can take time out of your day to enjoy simple pleasures, like watching the birds outside or peacefully sipping your favorite drink while reading a great book, it can really have a positive impact on your overall wellness.

Butler Home Improvement Specializes in Sunrooms and Porch Enclosures If having a sunroom is at the top of your wish list, Butler Home Improvement can help you design the perfect addition to your home.

Call us today to schedule a free consultation!

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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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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Wednesday, June 18, 2014 — 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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Selecting a daycare can seem like a daunting task. It is important that you choose a place where you’ll feel comfortable leaving your child.

Daycares can vary widely in terms of professionalism and quality, so it is vital that you research each place you are considering.

Making on-site visits will tell you plenty about the quality of the facility. Schedule an appointment

The lighting needs to be adequate. Inspect the bathrooms, dining areas and nap rooms.

Everything should be decorated with children in mind. Look outside at the play areas.

Every area should be designed with safety in mind. Look for locks on doors, sharp edges and dangerous objects that might be in a child’s reach.

HOW TO... Choose the Best Daycare

for Your Child

with the director so you can ask questions.

Have your children accompany you on this trip so you can see how they will react to this environment. Observe your child and gauge his or her comfort level.

Here are other factors to consider when choosing a daycare.

STAFF The quality of a daycare rests on its employees. These staff people must be reliable and responsible. Request information on background checks of the staff.

Ask about the ratio of caregivers to children.

Adults cannot do their jobs effectively when they have to care for 30 children at once with no extra assistance.

Good hygiene habits are a must. Sickness is easily spread among children and adults at a daycare. Observe how the employees interact with children. They should communicate well and like kids.

The best daycare employees do not play favorites. They spend equal time with everyone and make every child feel important.

BUILDING The facility should be in a safe and inviting environment. It should have bright colors and fun decor.

ENTERTAINMENT AND ACTIVITIES No child should be bored at a daycare. Highquality daycares offer activities to keep your child preoccupied throughout the day.

Ask the director what kind of activities are available for children. It should be a mixture of free play and structured activities. Crafts, music, stories and age-appropriate lessons will help your child grow.

DISCIPLINE Discipline is an essential issue. Ask the daycare how they deal with specific discipline issues. What are the consequences for undesirable behavior?

Also, if your child has difficulties with sharing, talk to them about how they might handle it.

They should give you thoughtful answers. Ask for a copy of the daycare’s rules.

Selecting a daycare is such an important decision. Look at each option thoroughly before making a final decision. Follow your gut instinct.

If you feel something is wrong at a particular facility, don’t be afraid of crossing them off your list. You can find another daycare that is more comfortable for you and your child.

With a bit of close observation and intuition, you should have no trouble finding a suitable daycare for your child.

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Wednesday, June 18, 2014 — 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.

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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Wednesday, June 18, 2014 — 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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Partnering for your Health

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Please call for a free consultation

3407 S. State Route 157 Glen Carbon, IL 62034 (618) 288-3610 www.myoptimumwellness.com Page 43

Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

More than 40 million Americans suffer some degree of hearing loss, frequently affecting day-to-day life for them and the people around them.

To reduce the potentially serious consequences of hearing loss, such as safety issues and isolation, many people seek out hearing aids to help them live richer, fuller lives.

enabling the wearer to hear conversations clearly even in crowded settings.

Like most electronic devices, the way hearing aids are designed can make a big difference in their performance and their pricing. Two hearing aids that look similar may actually sound very different based on how the electronics work inside them.

Nearly all of today’s hearing aids are

HOW TO...

Choose a Quality Hearing Aid Hearing aids are highly technical medical devices, customized to meet the patient’s specific needs. Every person’s ear canal and type of hearing loss is different, ranging from mild to severe, and often affecting some frequency ranges more than others.

Today’s hearing aids use digital processors to isolate and amplify the frequencies the patient needs most, and many of them are so small they’re virtually invisible.

Here’s a look at how to choose hearing aids: Styles Hearing aids come in a range of sizes and prices, and a specialist can help you pick the right ones to meet your needs.

Among the most popular are hearing aids that fit completely within the ear canal. These are virtually impossible to see, but their small size means they are typically more expensive and may not have as long a battery life as larger hearing aids.

Other styles include half-shell, full-shell, behind-the-ear and open-fit hearing aids.

Internal Electronics Each hearing aid also comes with advanced electronics that will amplify the correct frequencies and help your hearing be as close to natural as possible. The best ones can filter out background noise,

digital, which results in better sound and more customization options for people who suffer from hearing loss. If you have outdated hearing aids, it may be smart to consider upgrading to the more modern devices because of how much better they sound and how much more easily they can be hidden within your ear.

Options Just like the options list when you buy a new car, hearing aids can be fitted with special features that may be helpful for you.

Some examples: BLUETOOTH CONNECTIONS: Some hearing aids are able to connect wirelessly to Bluetooth electronic devices, such as cellular phones, to let you hear phone conversations directly through your hearing aids.

TELEPHONE ADAPTERS: These devices can sense when you’re talking on the phone and adjust the sound to make it clearer while you talk.

DIRECTIONAL MICROPHONE: If you want to only hear that sound directly in front of you, such as when you’re having one-on-one conversations with a person, a directional microphone can improve your hearing. Some can be switched between directional mode for conversations and nondirectional for more general hearing, like at a concert.

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Wednesday, June 18, 2014 — 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 at McKendree University in Lebanon, Ill. “You may want to include both larger and smaller schools if you are unsure about the size

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

HOW TO...

Choose a University support is available based on your family’s or personal income. Go online to www.fafsa.gov for more information.

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 selfdesign 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 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?

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

Will you live on campus?

Living on campus is a great way to immerse yourself into the college community. It makes it easier to meet people and get involved. Research indicates that students who are engaged with their learning community are more likely to succeed in school.

Some schools require first and second-year 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 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

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www.theintelligencer.com — Consumer How To Guide — Wednesday, June 18, 2014

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.

If you choose to live on campus, you should factor in the cost and means of traveling to and from home for special

Why visit the campus?

Visiting the campus is very important, emphasizes Bastian. “Often you can tell immediately if it is a good match or not, just by how friendly the campus community is during your visit.”

Try to visit at least twice. Arrange the first one with an admission counselor. Request a campus tour that includes seeing the residence halls where students live, and an opportunity to meet with a professor in your academic field.

HOW TO...

Choose a University f time permits, Bastian also suggests attending an event on campus that is open to the public, such as a concert, play or football game. “This offers a great opportunity to talk to current students or alumni in an informal setting,” she says.

Check websites for special event calendars.

Get to know other prospective students, as well as students currently enrolled. Some admission offices host Facebook groups or live web chats, where prospective students can talk to current students or admission counselors.

occasions, holidays and spring breaks.

How does the school encourage independence?

For many first-year students, going to college is a step toward independence. Families can help young students make decisions and will want to stay informed about activities offered at the school. Although privacy laws prohibit sharing grades and attendance records, many schools offer a variety of sources, such as a parent association, to keep families connected and supportive.

Does the college offer co-curricular activities or athletics that interest you?

Co-curricular activities and athletics expand students’ participation on campus. Ways to get involved include student government, residence life, activities and special interest organizations, campus ministry, intercollegiate competition, forensics and debate, Model United Nations, and academic pursuits such as honor societies, the college newspaper, literary magazine, band, choir or theatre productions.

Consider the sporting events that you like to participate in or watch. Schools offer various levels of intercollegiate athletic competition; some may offer only intramural sports.

Social, or “Greek,” fraternities and sororities are another way to meet others on campus. Colleges and universities often have special housing for their larger Greek organizations. Other fraternities or sororities focus on community service.

Participation in service learning can strengthen your resume by offering opportunities to gain leadership, public speaking, budget management and planning experience.

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 “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

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Wednesday, June 18, 2014 — Consumer How To Guide — www.theintelligencer.com

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 98% 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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