Meet the Experts 2020

MEET THE EXPERTS HELPING YOU MAKE INFORMED DECISIONS

BARTLESVILLE EXAMINER-ENTERPRISE • SUNDAY, MARCH 29, 2020

2 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

HEART ATTACK SIGNS

HOW TO ☞ Things to know:

• The signs of a heart attack can be deceiving because they can be as subtle. The signs of a heart attack also vary according to gender.

E

RECOGNIZE THE SIGNS OF A HEART ATTACK

very year, more than 700,000 Americans suffer a heart attack. Knowing the signs and symptoms of a heart attack could save your life or that of another, and it’s important to act quickly.

The signs of a heart attack can be deceiving because they can be as subtle as back pain and discomfort. The signs of a heart attack also vary according to gender.

If for any reason you think you might be having a heart attack, stop whatever you are doing and call 9-1-1. Every second is critical when treating a heart attack.

Here are some symptoms which could be cause for concern.

• For men, the first sign of a heart attack is tightness in the chest that lasts several minutes.

MEN Severe Chest Pain For men, the first sign of a heart attack is tightness in the chest that lasts several minutes.

While everyone experiences minor chest pain every now and then, a person having a heart attack will feel severe chest pressure.

The pressure will sometimes shoot up from the chest to the shoulder area, arms and back.

Most ordinary chest pains pass when you relax.

But during a heart attack, the pain doesn't go away.

Instead, it intensifies.

• Shortness of breath is another common symptom and warning sign of a heart attack for men.

Shortness of Breath Shortness of breath is another common symptom and warning sign of a heart attack. While just sitting and being sedentary, a male may feel like he has just run up a flight of stairs.

This shortness may become so severe that you may feel like you might vomit. Some heart attack victims describe feeling like they instantly developed the worst flu of their life.

• Heart attacks in women can be more difficult to diagnose. In fact, physicians may even miss initial signs of a heart attack.

• A woman having a heart attack will often feel chest pain, just like a man. However, the pain is often lower.

Dizzy Dizziness is caused by a lack of oxygen to the body, particularly the brain. A man having a heart attack may faint due to lack of oxygen.

Teeth and Jaw Pain Experts have discovered that most men experiencing a heart attack will feel pain in their teeth and jaw. This pain typically rates a seven or above on a scale of 1 to 10.

Cold Sweats Men having heart attacks may develop cold sweats which leave them feeling chilled and clammy.

Frequent Burps Heart attacks often cause acid reflux. A man having a heart attack may respond by burping frequently.

Yawning A man experiencing a heart attack may yawn frequently because the heart is not moving enough blood through the body.

WOMEN Heart attacks in women can be more difficult to diagnose. In fact, physicians may even miss initial signs of a heart attack. Therefore, it is important for you to know the differences between how a man and woman feels when experiencing a heart attack.

Chest Pressure A woman having a heart attack will often feel chest pain, just like a man. However, the pain is often lower. It might make some women think they are having stomach pain rather than chest pain.

Shortness of Breath Nearly six out of 10 women who are having a heart attack feel they are short of breath. Resting may lessen the symptoms in some cases, but not always.

Extreme Fatigue She will often feel unusually tired, as though she cannot get enough sleep or rest. In fact, extreme fatigue can be an early warning sign for a heart attack. It may start several weeks in advance.

Back Pain Women often experience severe back pain during a heart attack. Men seldom complain about back pain when having a heart attack.

Nausea Many women having a heart attack will experience nausea and will often vomit. Doctors do not fully understand why this symptom occurs.

Knowing the signs of a heart attack can save a life. Seconds really do count, so seek emergency care immediately. Call 9-1-1 if in doubt. If treatment is not sought quickly, a heart attack may be fatal.

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4 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

AUTO

HOW TO ☞ Things to know:

• Paramount to your search is finding an auto body shop that’s honest, trustworthy and dependable.

• The shop you choose should be able to complete all manner of work, from a minor touch-up to a full-body repair.

• Have a list of companies, research each shop on the Internet and read customer reviews.

• Ask to set up an appointment for a free inspection.

• Low prices may be tempting, but they typically mean sub-par work, used parts and paint that is incorrectly applied.

I

CHOOSE A COLLISION REPAIR SHOP

just got into an accident, what should I do? Make sure yourself and others involved are safe. Then contact emergency services. Next, document the accident with photos and exchange information with the other parties involved.

Finally, file a claim on the individuals insurance who is at fault for the accident.

Make sure the local collision center that you choose can handle the rest!

Does the insurance company get to determine where I get my vehicle repaired?

No. The customer has the right to take their vehicle to any shop they want. Though, insurance companies have a list of shops that they prefer.

A shop I spoke with claimed they will save my deductible. Is this a good idea? If you were to read your insurance policy, you would see that it says you will pay the deductible prior to any other part being paid. If the cost of repairs comes in less than the estimate, you are still responsible for the amount of the deductible. Any savings from the repair work clearly belongs to the insurance company. By keeping the deductible you are violating your insurance policy and could be committing insurance fraud.

Does the auto body shop have to have any certifications? Certifications, such as I-CAR and ASE, are a good sign of a reputable auto body repair shop. A certification usually means that the auto body repair shop has the skills and knowledge required to perform complete, safe and quality repairs.

Should I wax my car and how often? It is recommended to wax a vehicle at least twice a year, once before winter and once after winter. During the winter there is harmful road grime and salt which can and will damage your paint. Waxing can help prevent or reduce the corrosive effects.

Does the auto body repair shop have rental cars on their lot? Being without a car is an inconvenience, so you’ll need to make sure that you have a rental car while yours is in the shop. Some auto body repair shops have a car rental facility located in or near their shop. Look for a shop that has rental cars available on site and can reserve a vehicle for the time of your repair.

Can you match the paint color?

Today’s modern factory finishes incorporate multiple layers of highly specialized paints.

We have made a major investment in the finest paint system available and constantly upgrade its technology and equipment to ensure that each vehicle’s paint matches. Look for a company that takes pride in their ability to match factory finishes as the final step in the restoration process.

Is there a warranty on the repairs to my vehicle?

Make sure you look for a company that has a warranty on repairs. Some companies guarantee all repairs with a Lifetime Written Warranty. Those are companies that truly care about their customers and their future business.

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Rental Car

6 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

HOME SECURITY

HOW TO ☞ Things to know: • Qualified, professional salespeople can help you navigate through your choices.

• Security systems use several types of sensors — from openclose sensors on doors and windows to motion sensors that capture movement.

• Consider how much your alarm system will cost over time. Many companies will offer discounts on installing the system if you agree to a long term contract for monitoring services.

• Many systems provide additional service to make you more secure.

You might consider getting sensors to detect fires, carbon monoxide, natural gas or water in your basement.

CHOOSE A SECURITY SYSTEM

K

eeping your family, home, and valuable safe should, be amongst your paramount concerns. Besides locks on the doors of your home, purchasing a security system adds an extra layer of protection and monitoring. And when you choose a reputable, professional provider, you can be sure that you won’t spend a fortune keeping your home safe.

Here are a few things to keep in mind if you’re in the market for a new home security system: The Company There are plenty of companies in the market that can help you. Choosing the best one can seem like a daunting task. Do you prefer a system with 24-hour monitoring?

Would a wireless or wired system best fit your needs? Is a simple, basic system the best or do you need a more elaborate and high tech option?

Qualified, professional can help you navigate through your choices. They don't push products; rather they can educate you on all of the selections so you can pick the best one for your needs.

Customization Consider how you want the system to be configured. Security systems use several types of sensors — from open-close sensors on doors and windows to motion sensors that capture movement. Picking the right sensors can make a big difference in the usefulness of the system and the final cost.

For instance, if you have a pet that likes to roam the house at night, you don't want to have a motion sensor that trips accidentally.

Older houses have wiring that might be difficult to handle, so you might opt for a wireless system.

Security systems often utilize zones or areas of protection. Speaking with a professional can help you decide how many zones you need. A security system can monitor different zones in different ways.

The Extras Consider how much your alarm system will cost over time. Many companies will offer discounts on installing the system if you agree to a long term contract for monitoring services. It might be a smart agreement. Most people want their alarm system monitored anyway, so getting a price break on a fundamental service makes sense.

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

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

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

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8 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

SWIMMING POOL

HOW TO ☞ Things I to know:

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

• Research the pool builders in your area.

Make sure they are licensed and insured and have a good reputation.

• Consider the landscaping around your pool. There are many possible finishes for the decking alone.

• Getting the right pool supplies is essential to maintaining safe pool conditions.

• Use products that your pool equipment manufacturers and local experts recommend.

CHOOSE A SWIMMING POOL CONTRACTOR

f you and your family enjoy pools regularly, you know membership fees can add up and with frequent visits, you might begin to ask this question: Why not add a professional pool to my own home?

Why not? You can enjoy the relaxing benefits of water therapy any time you please — by yourself or with your family or guests — without sharing with strangers and the inconvenience of leaving your home.

If you’re worried about the price, you probably shouldn’t be. Home pools have become quite affordable in recent years. New home swimming pools are not like your typical in-ground blue bathtub. Natural stone, man-made waterfalls and landscape detailing will make your pool into a private oasis.

Before purchasing your pool, decide whether you would like an in-ground or above-ground pool. Above-ground pools are less expensive, but many people prefer the durability and overall look of an in-ground pool. Take time to think about your decision. After all, your pool is a major investment, it will be a part of your home for many years.

Research the pool builders in your area. Make sure they are licensed and insured and have a good reputation. Check references and ask friends and neighbors for recommendations.

Once you have chosen a builder, you can start considering all of your options.

It's a fact that most people build their dream pool over a number of years as it fits their budget. You don't have to do everything at once, just start with a high-quality installation and a vision of what you want the area to become. You can add more features later.

Consider the landscaping around your pool.

There are many possible finishes for the decking alone. You can also choose the materials, style and features. Sometimes the environment around a pool can seem as relaxing as stepping foot in the water.

With so many advances in home swimming pools, combined with their affordability, it makes sense to install one on your property. After all,

wouldn't it be nice to have your own private resort without the hassle of leaving home?

Health and Safety Getting the right pool supplies is essential to maintaining safe pool conditions. There are plenty of chemical products on the market to help you, such as traditional chlorine, but there are also other products that are less harsh and more comfortable for you to use.

Longevity Swimming pools are a huge investment.

Keeping their mechanical components running smoothly will save you money in the long run.

When shopping for supplies, it is a good idea to search for products that will extend the life of your pool.

Use products that your pool equipment manufacturers and local experts recommend.

These professionals will often suggest that filters should be changed at certain times. They will tell you the exact maintenance steps required to open or close your pool. Follow what they say.

Supplies that maintain your pool are some of the best investments you can make. Their recommendations will benefit you and your wallet over the long term.

Expertise Find a local expert who has been in business for a long time to help you. That person will have the knowledge and experience to be able to offer solid advice about everything from design and build of your new swimming hole to chemicals and pool accessories. Taking care of your pool is hard work, but with the right advice it will be more of a joy and less of a chore.

Fun Make the most of your summer season by purchasing the right pool accessories. Slides, rafts, toys, goggles and other products will enhance your fun. It is smart to spend some money on little things that will bring happiness while using your pool.

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10 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

TRAVEL

HOW TO ☞ Things to know:

• Travel agents are professionals who know every trick in the book when it comes to ensuring a trip will go smoothly.

• Ask if the agent is a member of a travel consortium. Members of a consortium have strong negotiating power and will often have access to better travel deals.

• Anyone traveling overseas should have up-to-the-minute information about political conditions.

Good agents provide their clients with such information.

• A skilled travel agent will have access to information about safety standards and industry reputations.

CHOOSE A TRAVEL AGENT

A

lot of travel booking these days is done by travelers hunting around online, comparing prices and amenities and availability. That sort of research can be exhausting and confusing and lead to mistakes or bad deals.

That’s why working with an experienced travel agent can still ensure your travel plans are nailed down and you’ve gotten the best deal.

Travel agents are professionals who know every trick in the book when it comes to ensuring a trip will go smoothly. For a fee, these agents will plan every aspect of your trip, leaving it up to you only to relax. Best of all, if something goes wrong your agent will be a phone call away with a fix.

Here’s how to find a good travel agent: What to Know Eleven states require travel agents to be state-licensed. Many of these states only require the agency to have a license and pay a fee. These stipulations offer no real protection for travelers. There are some other ways you can discover if a travel agent is competent, knowledgeable and honest.

First of all, find out if the agency is a member of the American Society of Travel Agents or the Association of Retail Travel Agents. Then, ask if the agent is a member of a travel consortium. Members of a consortium have strong negotiating power and will often have access to better travel deals.

Then ask for references from clients and wholesale suppliers. When you contact these suppliers, talk to the sales manager. That person should be happy to answer questions about their relationship with the agency.

Of course, a travel agency should have emergency contact information that is good 24-hours a day, seven days a week.

The agency should also have a toll-free phone number. If you plan on traveling internationally, choose an agency that allows you to contact them for free if problems arise.

It is usually best to work with only one agent. That person should have a phone extension and email. Reputable agencies have specialized email addresses. Do not trust agencies that have emails from free services, such as Yahoo, Hotmail, AOL or Gmail.

Specialized Travel Anyone traveling overseas should have up-to-the-minute information about political conditions. Good agents provide their clients with such information.

Since Sept. 11, 2011, regulations for entry into other countries have become increasingly complex. This is where a travel agent can be a blessing.

High-rise and specialized vacations require specific knowledge and reputable vendors.

Good travel agents will provide plenty of options. They will also have information about travel warnings from the U.S. State Department.

Cruise passengers can also receive great deals when using a travel agent. Members of the Cruise Line Society of Travel Agents can offer substantial savings or deals.

But no matter what kind of travel you are doing, a skilled travel agent will have access to information about safety standards and industry reputations. They can help you steer clear of fraudulent vendors and scams.

Whether you are planning a relaxing vacation or adventurous escape, your time away can be an amazing experience. Talented travel agents can provide needed guidance and support. They will take care of the details so you can kick back and enjoy your time away.

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We’re here to ensure that your trip goes exactly as planned, from anticipating your needs before your departure to making any necessary changes during your travels, to going over every detail of your trip afterward!

61

Celebrating

Years

12 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

SHOPPING

HOW TO ☞ Things to know: • The best stores will sell unique, interesting items that can’t be found elsewhere.

• The big mega-stores typically carry look alike, often cheaply made items that aren’t very memorable, but a well-run gift shop can help you find a special item that’s much more meaningful.

• The best gift shops will help you make the most from your gift-giving budget, whatever its size, by carrying selections to fit a wide range of costs.

• Look for a store that is organized, clean, fresh smelling and well-lit, all signs of a business where the owner and manager take pride in what they do.

CHOOSE A GIFT SHOP

W

e’ve all been faced with the difficulty associated with buying something for that “person who has everything” or who is a particularly hard person to gift. Sometimes, malls, big box stores and online outlets won’t fit the need for a fun, personal, meaningful gift. However, local boutiques and gift shops can offer a unique gift for that special occasion.

Here’s what you need to look for in a gift shop.

Variety, Selection You should always start the shopping process with the gift recipient in mind. What do they like? What would they appreciate?

What would send them the right message?

Finding a shop that offers the most thoughtful greeting cards and gifts is a good start.

Some stores specialize in one or more categories of gifts that can help set them apart. They might carry extra inventory of products made by local artisans, for example, or have a large selection of boutique accessories, holiday items, souvenirs or items that can be personalized with engraving or custom embroidery. The possibilities are almost endless.

The best stores will sell unique, interesting items that can’t be found elsewhere. The big mega-stores typically carry look alike, often cheaply made items that aren’t very memorable, but a well-run gift shop can help you find a special item that’s much more meaningful. They carry gifts that last.

Budget The best gift shops will help you make the most from your giftgiving budget, whatever its size, by carrying selections to fit a wide range of costs.

Whether you’re looking to make a major purchase to mark a once-in-alifetime milestone or just give a small token to tell someone “thanks,” the best gift shops will have both the people and the merchandise to help you make the

right decision.

Service And that brings us to perhaps the most important aspect of all: customer service.

Good, personal service is increasingly hard to find, but good gift shops have it in abundance. From friendly cashiers to employees who actually know and love their merchandise — and can answer all your questions about it — you can tell a well-run gift shop from the moment you walk in the door.

Look for a store that is organized, clean, fresh smelling and well-lit, all signs of a business where the owner and manager take pride in what they do.

Because shopping for gifts can be the most challenging type of shopping we do, especially for those people who are hard to shop for, good recommendations from the store’s employees can make a world of difference. By asking a few questions, they’ll be able to help you think of gifts you may not have considered on your own. They’ll spark your imagination.

An Enjoyable Experience When you add all these factors together — a high-quality and wide selection of merchandise, friendly employees and ownership that cares — you’ll end up with a wonderful shopping experience.

The best gift shops will make you feel special because they go out of their way to help you find the perfect gift. They’re all about helping you make your loved ones smile, and they’ll make you want to return again soon.

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SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

PHOTOGRAPHS

HOW TO ☞ Things to know: • Look for on the internet for photographers in your area. Many photographers specialize in specific types of events.

• Follow them on Facebook and other social media.

• When you find two or three photographers who are available, conduct personal interviews with each of them.

• Explore their backgrounds and look at a complete portfolio.

• Inquire about whether you will receive printed proofs, or if they are available through a private page.

CHOOSE A PHOTOGRAPHER

I

f you have a special event or occasion coming up or just want to get some nice shots of the whole family, do yourself a favor and speak with a couple of local photographers. You’ll likely be surprised at the affordability and variety of services they offer.

With the advent of quality cellphone cameras, many think they can capture these important moments themselves. And while that can be true, hiring a professional photographer can also be helpful in allowing you to enjoy the moment without having to worry about getting the shot.

Unfortunately, many people forgo the services of a professional photographer because they believe the service may be unaffordable. And they have the bad pictures to prove it.

Don’t make the same mistake. Consider the following.

Styles of Photographers Even though photographers have their own styles, they tend to use one of the following three styles in their work.

Some professional photographers have a journalistic approach. They do not stage photos.

Rather, they prefer to record what happens.

The second style is formal. It is a more traditional approach. These photographers take mostly posed photographs.

Finally, some photographers use a mixture of both philosophies.

Research Photographers First, look for on the internet for photographers in your area. Many photographers specialize in specific types of events. Be sure that the photographers who interest you match the type of event you are holding.

Photographers usually display their best work on the Internet. Remember that everyone is capable of getting a good shot every now and then, but you should see wide range of striking images that displays their capability.

Follow them on Facebook and other social media.

Professional photographers prefer to publicize their work using the latest technology. It will give you a feeling of their portfolio as well as how busy they are.

Once you have your list narrowed down

to two or three, contact them to check their availability. High-quality photographers are usually in demand, especially during holidays and certain times of the year. It is essential to plan ahead.

You can also inquire with your social network about photographers they have used, especially if they have photos of themselves that you like.

Interview Photographers When you find two or three photographers who are available, conduct personal interviews with each of them.

Explore their backgrounds and look at a complete portfolio. Ask each professional if he has ever worked with the other vendors you have hired or are considering.

Find out about his plans for the shoot. Has the photographer ever worked at that location before?

Will a photographer or assistant be shooting the event?

If there are particular shots you like, communicate that to your photographer. Look through magazines and show him pictures to see if he could replicate the look and feeling.

Inquire about whether you will receive printed proofs, or if they are available through a private page for you or anyone interested in buying them.

A high-quality professional will be able to bring out the best in the subject. He will capture the essence of the moment and preserve it forever.

You should be offered several options concerning poses, prints, sizes, backgrounds and other elements.

Read the contract thoroughly before hiring someone. Professional photographers should be willing to give you a contract.

A deposit will hold your date. Expect to have it available at the signing of the contract.

Also understand when other payments are due.

Most photographers expect another payment when they appear at the event.

Choosing a photographer will often come down to your intuition.

But don't delay, as the best photographers are usually in demand.

And make sure you understand everything in the contract before you sign it.

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18 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

HOME

HOW TO ☞ Things to know: • Your first step in finding a reliable roofer is to ask your family, friends and neighbors if they have recommendations.

• Pick someone with a long track record in your community.

• Inquire about the company's background and how long they have been in business.

Generally, a good roofer should offer a guarantee between five to 12 years.

• Continue to ask questions about time frames and estimates.

You should always get a written estimate before proceeding with any work.

Y

CHOOSE A ROOFER

ou’ve noticed the tiles are falling apart.

There may be a leak or a storm that’s damaged your roof. Perhaps you simply want to beautify the look of your home. That’s when you know it’s time to hire a professional roofer to repair or replace your home’s protective exterior.

Putting a new roof on your home can increase its value. So it is essential that you pick the right contractor to do this job.

Your first step in finding a reliable roofer is to ask your family, friends and neighbors if they have recommendations.

You can also look on the internet for roofing contractors in your area. Some websites offer lists of professionals, along with reviews of their work.

Personal recommendations will give you the best information. Be sure to focus on the quality of work as well as the cleanup process. You don't want scraps of shingles and nails left over after the contractors have gone home. Don't hire professionals who leave debris after they are gone.

Pick someone with a long track record in your community. Some contractors travel the country looking for work. They appear after a community experiences a natural disaster or heavy storm. These contractors are making money from the insurance claims. If you hire one of them, they cannot provide realistic guarantees for their work. After all, they may be on the other side of the country if your roof starts to leak again.

Becoming acquainted with local contractors is especially important if you live in an area prone to high winds or hurricanes. It is good to know who to call if your house needs repair work.

Once you have contact information for several roofing contractors, call them. Inquire about the company's background and how long they have been in business. Generally, a good roofer should offer a guarantee between five to 12 years. If the company has been in business for less than five years, it will be difficult to determine the quality of their work.

Continue to ask questions about time frames and estimates. You should always get a written estimate before proceeding with any work. Communicating with the contractor will let him know that you will be taking a hands-on approach to this project.

Find out if the roofers recommend standard or architectural shingles, what they will do if they find damaged decking, and when they might be available to start. You should also ask about the warranty and whether you can have it confirmed in writing.

Every professional who works on your property should be licensed and bonded. Insurance is particularly important for roofing contractors. They should be able to cover any damages they might cause to your property. It is also essential that workers are covered under their insurance as well, in the event someone is injured during the job.

Before work commences, you must receive a written contract from the roofer. Read it over carefully. It will state the type of materials to be used, what the work will entail and the final cost.

Following these tips will help you find the best roofing contractor in your community. You can rest comfortably knowing that you made the right decision.

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20 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

RETIREMENT

HOW TO ☞ Things to know:

• Find out if the community offers planned outings to theaters, museums or shopping malls— including transportation for residents.

• Know the location of the closest hospitals, doctors, ambulance services and other personnel.

• Pet policies may be an important consideration. If you have a pet you don't want to leave behind, you may be able to bring your furry friend with you.

• Ask whether the community provides its own transportation for residents. Some communities have their own minivans and buses.

S

SELECT THE BEST SENIOR LIVING COMMUNITY

enior Living communities represent more than a basic home in a quiet neighborhood. Today’s seniors are more active than ever and want to continue to enjoy their passions years into their retirement.

Modern senior living communities have become lifestyle communities, offering nearly unlimited events and activities to suit all interests. Celebrities such as Jimmy Buffett— himself a senior citizen—have created “branded” retirement communities that celebrate the fabled “Margaritaville” lifestyle.

If you’re considering a move to a senior living community—or in search of that lost shaker of salt—here are a few things to consider.

Community Activities and Parking Any prospective senior living community should offer ample choices for life enrichment and enjoyment through activities you love. Whether you prefer arts and crafts, board games, billiards, dancing or other organized activities, taking part in social events can provide opportunities to make new friends. Research what kinds of social events are organized within the senior living community.

Also, find out if the community offers planned outings to theaters, museums or shopping malls—including transportation for residents. And although you may not be getting behind the wheel, parking is still an important factor when choosing a senior living community. Your friends and family will be more likely to visit if parking is easy.

Supportive Care and Medical Care As health needs change, some communities offer assistance with daily living or specialized care for Alzheimer’s and other forms of dementia with on-site nursing support. That added assistance can help residents maintain independence and quality of life longer. If that’s not important to you now, you’ll still want to choose a community that’s easily accessible to emergency personnel should a medical need arise.

Know the location of the closest hospitals,

doctors, ambulance services and other personnel. You may wish to restrict your search to communities located near your preferred physician or other service providers, and ask if the community has a formal security plan in place.

Pet-friendly Communities Pet policies may be an important consideration. If you have a pet you don't want to leave behind, you may be able to bring your furry friend with you. Many communities now recognize the health benefits of having pets.

Additionally, generous green spaces, walking paths or a nearby dog walking area will benefit you and your animal companion, particularly if your pet requires daily exercise. Taking a walk each day will benefit both of you.

Libraries, Churches, Transportation and Location Many modern senior living communities offer their own on-site library and chapel with worship opportunities, but you may want to think about where the nearest libraries and churches are located, as well as public transportation.

Ask whether the community provides its own transportation for residents. Some communities have their own minivans and buses. It is extremely helpful for seniors who no longer drive and need to do some routine personal shopping.

Consider how close the community is to schools, sports facilities, and other sites with high traffic volumes and noise levels. Many people prefer to live in less congested, quiet areas during their later years.

Resident Satisfaction Current residents will give you a feel for their level of satisfaction with the community. Ask them for candid reviews of the amenities and staff.

By taking the time to research multiple communities, you will undoubtedly find a warm, welcoming home. You will be able to build lasting friendships and gain the support you need to have fun during your retirement.

Take a Shot

at Better Senior Living When it comes to choosing the right senior living community, a little smart strategy comes into play. Whether you or someone you love is considering independent living, assisted living or memory care, we hope Green Country Village is on the table. With exceptional private residences, welcoming neighbors and nearly non-stop activities, it’s the place to live, connect, grow.

1025 Swan Drive Bartlesville, OK 74006

GreenCountryVillage.com

Call (918) 335-2086 for more information.

Not-For-Profit Organization

22 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

AUTO

HOW TO ☞ Things to know: • The first thing you need to figure out is what type of automobile you’re looking to buy.

• Along with the car model, there are numerous options to consider. You might get a car with a navigation system, moonroof, GPS and satellite radio, just to name a few.

• Make sure to look for current discounts on the car you want.

• When you begin your negotiations, remember that price isn't everything. Service should play a role as well. You are building a long-term relationship with this dealer and manufacturer.

CHOOSE A NEW CAR DEALER

W

hen it comes time to purchase a new car, circling dealerships without engaging the often overwhelming pressure of salespeople is the first tactic. Most have a good idea of the type or make vehicle they want.

But when the circling ends and the choices have been narrowed, choosing the right dealer becomes paramount.

Pick the wrong dealer and you could get stuck with a lemon or unfair financing terms. A good dealer, however, will make the car buying process a transparent breeze and offer excellent after purchase support.

Here are some things to think about if you’re in the market for a new car.

Choose the Right Car The first thing you need to figure out is what type of automobile you’re looking to buy. This will help you narrow down brands and pick your best option. Large families may need an SUV or van to fit everyone into the vehicle. But college students buying their first car would probably be happy with a compact car.

The savings on gas will help ease your finances while you are in school.

Along with the car model, there are numerous options to consider. You might get a car with a navigation system, moonroof, GPS and satellite radio, just to name a few. Many of these amenities are now standard, but some involve extra costs.

If you have to commute long distances, think about purchasing a smaller car with a good MPG (miles per gallon) rating.

Hybrid cars can help you save money on gas. Anyone in a cold climate might look at various vehicles with either all-wheel or front-wheel drive.

Choose the Dealer Once you have settled on a car model, check into area car dealers. Finding several dealers who sell the brand of car you want is usually best. The competition for your business will help you negotiate the total cost of your car.

Make sure to look for current discounts on the car you want. During specific times of the year, you might be able to get a great deal on a new car. It is particularly true during year-end sales.

Of course, you should test-drive a car before purchasing it.

When you begin your negotiations, remember that price isn't everything.

Service should play a role as well. You are building a long-term relationship with this dealer and manufacturer. It is not worth getting a less-than-satisfactory experience just to save a few dollars.

Make sure that you feel comfortable with the dealership. Buying a car is an expensive, long-term commitment. It is always better to find a car salesperson who is informative and friendly. It will make your transaction as simple and comfortable as possible.

Customer driven.

Proud to serve Northeastern Oklahoma & Southeastern Kansas with friendly, personalized customer service, to ensure the best car shopping experience.

HYUNDAI

PATRIOTHYUNDAI.COM • (918) 892-5214 2001 SE WASHINGTON BLVD

GMC

PATRIOT-GMC.COM • (918) 333-8010 2001 SE WASHINGTON BLVD

CHEVY

BARTLESVILLECHEVY.COM • (918) 876-1180 3800 SE ADAMS RD

BUICK

GOPATRIOTAUTO.COM • (918) 333-8010 2001 SE WASHINGTON BLVD

24 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

AUTO

HOW TO ☞ Things to know:

• Knowing what you want will help you save time and effort.

• Focusing on the type of car will help you avoid wasting time visiting dealerships that don't sell the type of used car you need.

• Figuring out your budget is essential.

• Search the Internet and car websites to get a firm idea of asking prices for your type of car.

• When you look at cars, ask about maintenance and previous owner reports.

• Research customer reviews of the ones who impressed you the most.

CHOOSE A USED CAR DEALER

B

uying a used car can meet many needs. It saves money and with some effort you’ll be able to find the right car to match both your budget and your desires in a vehicle. If you’re a fan of makes of older vehicles, buying a used car is your only choice.

Unfortunately, used car dealers get a bad rap as sleazy businesspeople looking to take advantage of unsuspecting customers.

Sometimes the negative reputation is deserved. Countless Americans have left a used car lot only to learn that they just took on unfair financing for an unreliable car.

On the other hand, reputable used car dealers are a godsend for millions of other Americans. They provide reliable, used autos at an affordable price. If you’re in the market for a used car, you only need to know what you want to buy and how to spot a dishonest dealer.

Choose Your Vehicle Knowing what you want will help you save time and effort. You may not know the exact make and model, but at least have an idea of the automobile type. Are you searching for a sports car, SUV, pickup truck or van? Focusing on the type of car will help you avoid wasting time visiting dealerships that don't sell the type of used car you need.

Search Guides Figuring out your budget is essential.

How much do you want to spend? Search the Kelly Blue Book (http://kbb.com) or the NADA Guides (http://nada.com/) for what you might spend on the type of car you prefer.

Also, search the Internet and car websites to get a firm idea of asking prices for your type of car.

Talk to Friends and Family Friends and family members who enjoy cars as a hobby will have information for you about reliable dealers. If they have recently purchased a used car, they will have experience with who treated them right — as well as who didn't. Word of mouth is one of the best indicators of a reliable business.

When you find a business that gets more

than one positive review, make sure to check them out.

Make Appointments Compile a list of dealerships you want to visit.

Call and make appointments with salespeople. Ask them about financing and extended warranties. Both may figure prominently in your decision-making process.

Try to speak with everyone on your list.

Comparing as many people as possible will help you avoid making a hasty, uninformed decision.

Visit Dealerships See each dealership in person to look for cars that match your type. Going there will help you feel confident about doing business with them.

When you look at cars, ask about maintenance and previous owner reports.

Don't purchase a car on the first visit. Just take a business card and move on to the next dealership on your list.

Once you have seen everyone on your list, research customer reviews of the ones who impressed you the most. You will find the best dealership by considering who will give you the best deal and who has received the best customer reviews.

Finding the right used car dealer is almost as important as buying the best used vehicle. After all, you want to make sure you are doing business with reputable people who will stand behind their sales. You don’t want to end up with a “lemon” and end up having to start the search for a new used car all over again.

As good as new!

We have a great selection of preowned cars, truck and SUVs! Stop by one of our locations and let our friendly, professional staff help with your car shopping experience.

HYUNDAI

PATRIOTHYUNDAI.COM • (918) 892-5214 2001 SE WASHINGTON BLVD

GMC

PATRIOT-GMC.COM • (918) 333-8010 2001 SE WASHINGTON BLVD

CHEVY

BARTLESVILLECHEVY.COM • (918) 876-1180 3800 SE ADAMS RD

BUICK

GOPATRIOTAUTO.COM • (918) 333-8010 2001 SE WASHINGTON BLVD

26 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

FUNERAL HOME

HOW TO ☞ Things to know:

• Ask friends if they would recommend the services provided at the funeral homes they have used.

• Funeral services can be costly, so comparing offerings and prices of the different local firms can be important.

• “Outsourcing” is something many funeral homes don’t necessarily want to talk about or want the public to know about. Some funeral homes outsource different aspects of the operations, such as embalming or cremation.

• A caring and professional funeral director and staff will take the time to explain all your options in an empathetic way.

CHOOSE A FUNERAL HOME

C

hoosing a funeral home is never an easy process. During times of loss, the emotional pain and grief can be crippling and making arrangements for a funeral can complicate an already difficult period. But there are ways to make this difficult decision a little bit easier on you and your family. Here are some tips to help make choosing the right funeral home less stressful.

funeral homes don’t necessarily want to talk about or want the public to know about. Some funeral homes outsource different aspects of the operations, such as embalming or cremation. It may be important for you to entrust your loved one to a funeral home that does everything in house, and to know that your family member isn’t taken out of town to be cared for by a third party.

Ask for References from Friends Even if you have never had to choose a funeral home in the past, you may have a friend or two who has. Ask these friends if they would recommend the services provided at the funeral homes they have used. They may be able to share valuable information about the staff, facility and prices of a specific funeral home.

Caring Staff When visiting a potential funeral home, the funeral director can be a major deciding factor when you choose whether or not to use this particular company to handle the funeral of your loved one. A caring and professional funeral director and staff will take the time to explain all your options in an empathetic way so you can make a better choice when choosing a funeral home. If the director seems short or uninterested in your needs or makes you feel like you and your deceased loved one aren’t important, you won’t want to choose this facility to handle the funeral of your loved one. While dealing with the death of a loved one is hard, choosing the right funeral home can help relieve you of some stress.

If you want your loved one to receive the proper funeral he or she deserves, following the above listed tips should help you make the right choice.

Compare Prices Funeral services can be quite costly, so comparing offerings and prices of the different local firms can be important. It is wise to be sure you are doing an “apples to apples” comparison to be sure the same services and merchandise are being compared. Also, some funeral homes may match the price if you find something for less, so you may sacrifice good service for better pricing.

Ask About Outsourcing “Outsourcing” is something many

MOST TRUSTED

ST STUMPFF

FUN & C NAME IN FUNERAL SERVICE

28 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

FUNERAL HOME

HOW TO ☞ Things to know:

• Pre-arrangement allows you to make your final arrangements at your own pace, at a time when you feel calm, healthy, and rational.

• When you pre-plan, you don't need to pay for everything in advance. You can make choices, put them in writing, and pay for services when they are needed.

• Most funeral home have pre-arrangement counselors who can guide you step-by-step through the process.

• Even if you can't complete your plans in one sitting, begin them. Every time you complete a step in the process, you make it easier upon your family.

P

GET PEACE OF MIND WITH FUNERAL PRE-PLANNING

lanning your own funeral or the funeral of someone you love is not something that most people like to think about.

Just the thought of planning a funeral can be an intimidating prospect.

Pre-arrangement allows you to make your final arrangements at your own pace, at a time when you feel calm, healthy, and rational. When you prearrange your funeral, everyone benefits: you know that your wishes will be carried out and your loved ones know exactly how to honor you. You also have the option of paying for your funeral in advance.

Make it easier on your loved ones – emotionally and financially.

Did you know that there are more than 70 details that need to be tended to in the first 24 hours after a death? When you pre-arrange, you make the first 24 hours easier for your loved ones.

You also save them money. The stress of making last-minute funeral arrangements often causes people to make unnecessary purchases. By taking care of the arrangements yourself, you free them from spending more than they need to.

Here are some common questions people have: What is the difference between prepaying and pre-planning a funeral?

When you pre-plan, you don’t need to pay for everything in advance. You can make choices, put them in writing, and you can pay for the services when they are needed. If you do prepay at the time you make your pre-arrangements, you can take advantage of payment plans which will greatly reduce any financial burdens your family might face unexpectedly.

How do I get started?

Most funeral homes have pre-arrangement counselors who can guide you step-by-step through the process and make this much easier. Here are some of the things they will help you do: • Write down all the important biographical information about you (birthday, names of family members, where you were born and attended school, where you worked and career highlights).

• Decide which ceremonies are important to you: do you want to be buried or cremated? Do you want a visitation, a viewing, a memorial service? Maybe you had a long career in the military that you’d like to celebrate. Maybe you love animals and would like to encourage donations in your memory to your local humane society. Maybe there are songs you love, or a prayer or poem that has special meaning.

• Choose items such as the kind of casket or urn you might like, and other items that are necessary for the service you desire.

• Decide how you the funeral will be paid for, and whether that will be now or later. Most funeral homes will give you the option of making payments.

What are some things I should consider when selecting a funeral home?

• What traditions and wishes are most important to you, and can the funeral home meet those wishes?

• Visit the funeral home. Is it one that makes you feel comfortable and comforted?

• If it’s important to you that the funeral home is involved with the community, ask the funeral home how they support and reinvest in the community’s needs.

• Does the funeral home offer support for your loved ones in the days and weeks and months after the funeral? If so, what specifically does the funeral home offer, and does that meet your family’s anticipated needs?

How do I start the conversation?

It might be a casual conversation over dinner or a family gathering; for other families, a formal meeting is better. Bringing up the subject with loved ones earlier in life, when they or you are younger and most likely healthier, makes the topic easier to discuss and keeps the focus on celebration of life rather than an impending loss.

Here are some tips: · Set a time to have the conversation; schedule it as an appointment with your loved ones, whether you want to share your plans with them or ask them to make their plans to share with you. · If you are trying to plan someone else’s funeral, tell your loved one that you want to ensure their final arrangements are done according to their wishes, and you need their help to make that happen. Ease into the conversation with questions like: “Have you ever thought about where you would like to be buried?” or “What type of funeral would you like to have?” · Take advantage of funeral-related opportunities.

Attending the funeral of a friend, family member, or colleague, or watching a movie or television show with funeral scenes, may naturally prompt the discussion. Talk about what you liked or didn’t like about the services you saw or attended. · Tell your loved ones that because you care for them so much, you don’t want to burden them with difficult decisions when you’re gone. Tell them you’ve made your own funeral arrangements and give them a written record of what they are. · Make it a family affair. Schedule an appointment with your chosen funeral home and invite your family along to participate in the selection of services, funeral merchandise, and cemetery property.

What do I do now?

The bottom line: get started. Even if you can’t complete your plans in one sitting, begin them.

Every time you complete a step in the process you make it easier upon your family. It’s about progress, not perfection, so get started.

Pretend you didn’t see this ad Give your family a thoughtful loving gift

CHOOSE WISELY. Sure, you can flip the page and ignore this ad, but why would you? Preplanning is one of the most thoughtful gifts you can give your family and all it takes is a little bit of your time. Instead, why not pick up the phone and call us today? We’ll take you through step-by-step and help you as you make your selections. Think of it as your chance to be remembered as both wise and thoughtful.

NAME IN FUNERAL SERVICE

30 HOW-TO

SUNDAY, MARCH 29, 2020 • BARTLESVILLE EXAMINER-ENTERPRISE

CREDIT UNION

HOW TO ☞ Things to know:

• Many credit unions now offer all the products of a traditional bank, including mortgages, auto loans, and credit cards.

• Many credit unions in the United States are employer-based, so you may already be eligible to join based on where you work.

• Find out if there are fees associated with the accounts you want to open. As with traditional banks, there may be fees if your balances fall below an established minimum.

• Check for availability of online and mobile access, weekday and weekend hours, and the locations of branches and ATMs.

CHOOSE A CREDIT UNION

H

ow is a credit union different than a bank? Am I getting more for my money and the best customer service? These questions are frequently asked by consumers as they place their hard-earned dollars and trust with financial institutions.

Credit unions currently serve 100 million members nationwide by offering exclusive benefits, competitive rates and personalized service.

Why should you choose a credit union?

1.

Credit unions exist to benefit their members Unlike banks, which are owned by shareholders, credit unions are not-for-profit organizations owned by their members. Banks must make a profit to keep their shareholders happy; credit unions aren’t subject to the same pressures, and as a result, are generally able to charge fewer and lower fees.

2.

Credit unions offer highly competitive rates on savings accounts and loans Many credit unions also offer all the products of a traditional bank, including mortgages, auto loans and credit cards. Just like a bank, deposits at credit unions are insured up to $250,000.

Finding your credit union The first step in selecting a credit union is to research the options in your community and their membership requirements. Membership at most credit unions is based on either geography or employer, but some also allow

the family of existing members to join.

Once you have found a few credit unions you are eligible for, narrow your options based on the services and perks they offer, current rates and the fees they charge on accounts you may be interested in. If you are in the market for a specific type of loan, compare rates and specials to see who has the best deal. Don’t forget to look beyond the rate though – document fees and closing costs can radically alter the cost of a loan.

Convenience should also be top-of-mind.

Check for availability of online and mobile access, weekday and weekend hours, and the locations of branches and ATMs. Once you have completed your research, make a list of the pros and cons of each credit union. After you’ve decided which credit union is the right one for you, visit a branch or their website to join.

The Best in Bartlesville Truity Credit Union is regularly voted the Best in Bartlesville. We’re your partner in achieving your financial goals. We offer perks and benefits exclusive to our members, including our robust digital banking platform right at your fingertips. Need to open a checking account? Apply for an auto loan? Talk with someone about improving your credit?

We have you covered with these things and more! Call, click or come by a branch location today. For more information on our products, services, career opportunities or how to become a member, visit TruityCU.org.

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