How-To Guide, 2014

how to More. Better. Brighter.

guide

inside

Pg. 2 ......................................How To Choose A Funeral Home And Crematorium Pg. 4 ........................................................................ How To Choose A Financial Advisor Pg. 6 .................................................................................. How To Choose Vinyl Windows Pg. 8 ................................................ How To Choose A Home Health Care Provider Pg. 10 .......................................................................................... How To Choose A Fireplace Pg. 12 ...................................................................................How To Choose A Veterinarian Pg. 14 .............................................How To Choose An Air Duct Cleaning Company Pg. 16 ...................................................................................How To Choose A Memorialist Pg. 18 ....................................... How To Purchase Auto, Home and Life Insurance Pg. 20 ........................................................................................... How To Choose A Hospital Pg. 22 ...........................................................................How To Choose A Tax Consultant Pg. 24 ............................................... How To pass along your credit union legacy Pg. 26 ................................................................................. How To Choose A Hearing Aide Pg. 28 ............................................................................. How To Choose A Stone Surface Pg. 30 ..............................................................How To Choose A Manufactured Home

July 2014 AN ADVERTISING SUPPLEMENT TO

lmtribune.com

2

HOW TO GUIDE

How to...

I

n the past, most people chose a funeral home for the following reasons: they had a relationship with the funeral home before, the perceived ethnicity of a funeral home, the location of the funeral home or upon the recommendation of a friend.

Most local, independent funeral homes rely upon their reputation for success.

They have been operated by the same family from generation to generation and have been successful because they have built a business based on trust. With various mergers and acquisitions occurring in our industry, it is important that you choose a family owned funeral home where the family cares about your needs.

Every funeral home should be capable of addressing each family’s religious needs and provide a service that is meaningful to each family. Some funeral homes are better than others in going the extra mile to provide a personalized tribute to a life that was lived.

Some people choose a funeral home based on their location, however the most convenient location may not be the best suited for your needs or a good value. You should make your decision based on whether their facilities are up to date, whether they offer a variety of options based upon your budget and whether they are willing to offer a personalized tribute to the life of the person.

There should be plenty of parking and the building should be handicapped accessible. You can often get a feel for a particular funeral home by accessing their website. The website should provide a description of the funeral home as well information about the variety of services they offer. Many of your questions will be answered directly on the website

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a Funeral Home & Crematory

or you can contact the funeral home by email for more specific requests.

You should not choose a funeral home based on price alone. All funeral homes are mandated by law to give you a General Price List before you begin to talk about any type of arrangements you will make. Therefore you can select the services that are right for your family and your budget. A good funeral home will take into consideration your family and circumstances and offer recommendations. Choosing a funeral home on price alone may shortchange you on the personalized care and service you need to receive.

The Funeral Staff While a funeral home can be truly beautiful, it is the willingness of the funeral staff to insure that the funeral of your loved one be meaningful to you. The funeral staff should be attentive and provide compassion and support since you will be with them for a few intense days. You should always get the feeling that they will take care of your loved one just as you took care of them in life.

You should also be able to relate to the funeral director who will handle the arrangements and be able to speak frankly about what you want. No request by you should go unfulfilled. You should also ask whether the funeral home offers concierge services, i.e. assisting with ordering flowers, arranging accommodations for out of state relatives, reserving a restaurant or catering facility for a family reception, or helping with any other need that may arise.

Support Services While most funeral homes can provide any type of funeral service, the good funeral homes are concerned about what

happens after the funeral is over when the family member finds himself/herself all alone. The funeral home should be able to provide support information so that a grieving family member can begin the grieving process. In addition, the funeral home should be able to recommend specific support organizations where people can go to learn about coping with their loss whether it is with a private therapist who specializes in grief issues or with a support group.

Preplanning When someone dies there are over 97 decisions that need to be made about planning a funeral. Oftentimes, you need to address these important issues in a very short period of time. You can avoid many of these hasty decisions by preplanning the funeral services.

Preplanning allows you to complete the vital statistic portion of a funeral; you can talk about the type of services; the people you might like to have involved; begin to write an obituary; and organize your legal and financial documents. So many things can be done ahead of time to make it easier for families at the time of need.

In conclusion, after you have met with a funeral director to ascertain what you think might be important to you, then you can determine whether that funeral home would be able to deliver on your requests.

A funeral home should be a center where you receive help and support to make sure that the funeral experience is soft, soothing and a tribute to the person that you just lost from the time of their death to your road to recovery. There is a difference in funeral homes. Make sure that you compare.

S U N D A Y, J U L Y 2 7, 2 0 1 4

3

l e w i s t o n t r i b un e

No one wants to plan a funeral.

However, when you lose a loved one, you can trust us to provide professional care, and to respect the concerns and the budget of your family.

We offer a wide variety of Services and Facilities:

We are experienced with services for every belief and faith, and are proud to offer dignified care to everyone in our community.

Your trust means everything to us, and we thank you for that trust for over 100 years. merchantmemorialgroup.com

3 Chapels Mausoleum & Columbarium Reception Room Crematory Cemetery Traditional Funerals Graveside Services Cremation Graveside Services Traditional Funeral followed

by Cremation Memorial Services Simple Burial Simple Cremation* *Usually less than Spokane Cremation Societies

419979G1_14

Mountain View Funeral Home & Crematory Lewis Clark Memorial Gardens Merchant Funeral Home Richardson-Brown Funeral Home

4

how to guide

How to...

Finding the right financial advisor for your situation is essential for your financial health. Think of it this way: Choosing a financial advisor who’s right for your specific financial situation is similar to choosing the right nutrition program for your specific body type.

THINGS TO KEEP IN MIND Since not every diet program is suited for your specific health and wellness needs, not every financial advisor is suited for your financial wellness needs.

You want to be able to rely on your financial advisor’s advice when it comes to trimming your expenditures and what to do to save for retirement the same way you rely on your doctor for keeping your body trim and fit.

Be sure to do your homework before starting a relationship with a financial advisor.

Before making a choice, perform a background check on the financial advisors on your list and review their credentials. Your financial advisor must have the necessary training from an accredited institution and the prescribed certification for your state in order to be a true financial advisor.

Ask yourself the following questions: •How many years of experience does the financial advisor have?

•Have any complaints been filed against the financial advisor?

•What awards, if any, has the financial advisor received?

•Can the financial advisor provide concrete proof of a satisfied clientele?

Answers to these questions are key when searching for a financial advisor who will meet your specific needs.

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a financial advisor

AREAS OF EXPERTISE There’s a complete buffet of financial products that can contribute to your financial well-being. Everything from bonds to mutual funds and commodities to stocks are common investing tools.

However, depending upon your appetite for risk, some investment vehicles are better for your portfolio than others. You want to find a financial advisor who’s an expert in customizing a financial plan for your benefit, not for your detriment.

Consider the specific segment of the market in which you want to invest your money. Look for a financial advisor specializing in that particular investment type. For example, you might want to invest in the commodities market. If your potential financial advisor has little experience in the commodities market, consider a different choice on your candidate list.

RATE OF SUCCESS Take a look at the rate of success each potential candidate has. Has the rate of return of his recommendations outpaced the average market rate of return over the last year, five years, or ten years? One indicator of a solid rate of return is how well a financial advisor conducts research to strengthen his clients’ portfolios.

Here’s where experience plays an important role. This is especially important in tough economic times. How well has your financial advisor-candidate weathered past economic recessions for his clients? Do his clients continue to thrive in a bleak financial environment? On the other hand, have his clients experienced multiple hits to their portfolios?

That’s why an advisor’s success is well worth your consideration.

FEES OR COMMISSIONS? Ask your financial advisor about her compensation. Is she fee-based or commission-based? That will make a difference in your final selection. After all it’s your money you’re investing, not your financial advisor’s money.

A commission-based advisor is more apt to suggest financial products that favor her compensation. Such a situation could needlessly increase your exposure to market risk. Only go with a commission-based advisor if she has a proven track record of success and has your best interest in mind.

If you feel the need to guarantee that your best interest will be served, go with a fee-based advisor. A fee-based advisor is compensated only for the time spent on servicing your portfolio.

INTERVIEW Finally, make arrangements to meet the top candidates on your financial advisor list. Get a feel for how the financial advisor will treat you as his or her client.

Will he act condescending toward you and your ideas? Will she have the heart of a teacher when addressing your concerns? A good way to do that is to ask direct questions regarding experience, services and financial products offered, and the fee schedule. How your financial advisor-candidate answers your questions will give you a solid idea of which one is right for you.

S U N D A Y, J U L Y 2 7, 2 0 1 4

5

l e w i s t o n t r i b un e

Experience has a local address.

Be confident that your finances are going in the right direction. You don’t have to go far.

Because right here in the Lewis-Clark Valley, you’ll find a Morgan Stanley office staffed with capable, experienced Financial Advisors.

Morgan Stanley Financial Advisors can help you sort through the complexity of wealth management and investing. Call us today to set up an appointment. And find the experience you need. Right where you need it.

The Clearwater Group at Morgan Stanley 518 Diagonal Street Clarkston, WA 99403 (509) 295-5175 Morganstanleyfa.com/clearwatergroup Ken Maestas

Eric Justis

Sr. Vice President Portfolio Management Director Financial Advisor

Vice President Financial Planning Specialist Financial Advisor

Financial Advisor

Complex address: 500 108th Ave NE, Suite 1900, Bellevue, WA 98004 (800) 328-2802

420062G1_14

Timothy Lynch

©2013 Morgan Stanley Smith Barney LLC. Member SIPC. CFC94111907/14 CFC610757 FAS008

6

how to guide

How to...

RENOVATE RIGHT: (NEW EPA guidelines for lead base paint on homes built before 1978) Federal law requires that individuals receive certain information before renovating six square feet or more of painted surfaces in a room for interior projects or more than twenty square feet of painted surfaces for exterior projects in housing, child care facilities and schools built before 1978. Homeowners and tenants: renovators must give you the, Renovate Right Pamphlet, before starting work.

Child care facilities, including preschools & kindergarten classrooms, and the families of children under the age of six that attend those facilities: renovators must provide a copy of the Renovate Right Pamphlet to child-care facilities and general renovation information to families whose children attend those facilities.

Also, since April 2010, federal law has required contractors that disturb lead-based paint in homes, child care facilities and schools, built before 1978 to be certified and follow specific work practices to prevent lead contamination.

Therefore be sure to ask to see your contractor’s certification.

WHY VINYL IS THE KING OF WINDOW MATERIALS Vinyl has replaced wood as the number one material used in the windows of new homes and is already the leader in replacement of old or outdated windows.

All major window manufactures now offer a vinyl window because of its many advantages. It is warm to the touch; vinyl windows can be made in almost any shape. Unlike wood, however, vinyl windows require no painting or re-glazing.

Most importantly, today’s vinyl windows are four times more energy-efficient than the state-of-theart windows installed in new homes just a few years ago.

HOW CAN I COMPARE ENERGY PERFORMANCE? There are many grades of vinyl windows, but it is easy to separate the good from the average.

Companies producing the highest-quality windows are part of the ENERGY STAR® program, operated by the U.S. Department of Energy and the Environmental Protection Agency.

These windows are commonly 40 percent more

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose vinyl windows & renovate correctly

energy=-efficient than building codes require and their performance is certified by the National Fenestration Rating Council (NFRC). Reading the NFRC label allows you to compare the performance between brands of windows because it rates the efficiency of the entire window unit.

ARE ALL VINYL WINDOWS THE SAME?

Advancements in vinyl extrusions allow the best manufacturers to offer structural rigidity without the need for any additional reinforcements. Windows made of lower quality vinyl are reinforced with steel or wood in a attempt to provide strength. The wood is often too thin to provide real rigidity or is exposed to the elements, absorbing moisture and rotting over time. While steel offers strength, it can reduce the energy efficiency of the window by conducting heat and cold. If you have any question about the architectural Manufacturers Association (AAMA) label on the product. A gold label means that the product passed strict tests for load strength and air or water infiltration.

THE GLASS The energy-efficiency rating of the window is referred to by its U-factor and 80 percent of the U-factor rating comes from the performance of the glass. The lower the Ufactor, the more energy-efficient the glass and the more comfortable you will be in your home. Dual-pane glass filled with argon gas and coated with multiple microscopic layers of metals and non-metals (a Low-E coating) perform the best. Some brands of Low-E glass reflect infrared heat waves back to their source. This means that in winter, heat from your home reflects back inside, and during the summer, outside heat is reflected away from your home. Even basic Low-E glass lowers your

heating and cooling costs by 30 percent compared to plain dual-pane glass. The home featuring Milgard vinyl windows and SunCoat Low-E glass showed a 27% savings in summer cooling costs compared to the home with ordinary clear glass. The average summer afternoon demand for air conditioning in the SunCoat house was 30% lower due to reduced solar heat gain. SunCoat also produced significant savings on winter heating bills.

WARRANTY REFLECTS THE CONFIDENCE OF THE SELLER Warranties are only as good as the product covered and the company that stands behind them. Window warranties should not be prorated and should cover seal failure, parts, labor and installation for as long as you own your home.

Replacement windows are a job you should only have to do once.

KNOW THE COMPANY YOU KEEP Over 20 percent of window companies in this year’s Yellow Pages will be gone or will change their name in the next year’s book. The most important decision you will make might not be the windows you buy but the company from whom you buy them. The company should be able to provide you with proof of licensing, EPA lead certification, proof liability insurance and be in business for over 10 years. (Companies in business more than 10 years are usually the ones that last.)

HOW-TO TIPS Look for a company that custom manufactures, installs and guarantees their product. This way you get the best ¿tting window and you only have one number to call for any needs with the product.

Look for 3rd party certi¿cations/endorsements on windows such as ENERGY STAR®, NARI®, AAMA, Good Housekeeping, etc. Their support means the window means the window has net or exceeded their high standards.

A quality company with a quality product will offer a lifetime guarantee on their window. Don’t settle for anything less.

A quality vinyl window will be made from nonrecycled vinyl, have welded corners for strength The glass used in the window should be coated, double-pane, insulated glass enhanced with an inert gas for additional insulated and noise reduction.

S U N D A Y, J U L Y 2 7, 2 0 1 4

7

l e w i s t o n t r i b un e

Save Energy. Save Money. Milgard Windows Can Help.

WINDOW REBATES Still Available!

ACT NOW!

FOR AVISTA RESIDENTIALS

4

$

00

per sq.ft.

Call Avista for pre-qualification!

Replacement of single or double pane to U-Factor of .30 or lower per Avista qualifications.

See Windows Doors & More for details and restrictions.

Milgard windows are designed to meet ENERGY STAR® qualications—and then some. You can take energy performance a step further, by asking for our 3D® and 3D MAX® Energy Packages. These two energy packages address energy efciency through the three dimensions of a window: frame, product design and glazing unit. Be sure to ask us about the best package for your home and climate.

Windows, Doors and More ...Store "Where Our Doors Always Open"

NAT-39845-1

523 1/2 Thain Road, Lewiston, ID 83501

(208) 746-9000

Your Specialty Building Supply Headquarters 420296G1-14

8

how to guide

How to...

Choose a Home Health Care Provider

pendence and personal space. Despite these advantages, however, an on-site assisted living residence still lacks the Most seniors and their families will comforts and familiarity of home. one day have to face an inevitable and difficult question as time goes by and A better option now exists to help health conditions become more of a seniors whose difficulties with daily problem: Is it possible to remain living household chores would otherwise independently, or will a move into some make a move necessary. Use of an adult care service can give a senior the best of form of senior facility be necessary? both worlds.

Moving into a nursing home is an option that might most appeal to seniors Adult care services provide people with mobility problems. A senior who who come to a senior’s home and carry has difficulty in the completion of ev- out such tasks as basic chores and launeryday tasks is not restricted to a nurs- dry, as well as giving medical reminders and running errands like grocery shoping home, however. ping. The variety of services they proWhile the staff of such residences see vide let elderly people remain in their to all of their residents’ needs, the at- own homes, enjoying the dignity and tention can be clinical and impersonal, freedom of staying at home while remaking the transition from the freedom ceiving the help they need in the basic of home even more difficult. The conve- necessities of life. nience of having everything done for the senior has the downside of becom- From meal preparation to assistance ing just another face in a crowd of pa- in dressing, adult care services find no tients. Another disadvantage is the lack task too large or insignificant. The main reason for the popularity of in-home of personal time and privacy. adult care, however, is that it allows a Assisted living facilities offer another senior to wake up in a familiar bed and option for those who find the perfor- go through life in the place that has mance of everyday activities, including been home. bathing and meal preparation, difficult because of mobility restrictions or other The clinical impersonality of nursing homes and other on-site living facilities health issues. is a difficult adjustment for many peoThis growing trend in senior living ple to face. Aging has enough difficulprovides extended help in such tasks ties, with its host of health worries and while still allowing a measure of inde- physical difficulties, without undergo-

An Option for Seniors to Remain At Home

S U N D A Y, J U L Y 2 7, 2 0 1 4

ing such a radical change in lifestyle.

The simple fact of being in familiar rooms surrounded by personal belongings can help ward off depression and offer a soothing sense of comfort for a senior trying to come to terms with health issues.

Anyone with a parent or other elderly loved one who could benefit from such care should consider looking into local adult care services. Odds are that such a search will find a thriving business whose success relies on providing full service that caters to the patron’s specific needs.

Another benefit, apart from the assistance in daily tasks, is that adult care services offer a feeling of friendship and companionship that might otherwise be unavailable. A senior with a person coming into the home to do chores has the comfort of knowing there will be regular contact with someone who can be relied on.

The first step for the family members of a senior, of course, is to consult with the senior who would be living in whatever conditions are decided upon.

The answer to the question of staying in a home versus living in a facility is a difficult one. However, the options available should make it easier for any senior to enjoy the comforts of home as long as possible.

S U N D A Y, J U L Y 2 7, 2 0 1 4

l e w i s t o n t r i b un e

ALTERNATIVE NURSING SERVICES “Professional In-Home Health Care”

With our Professional Home Care, many individuals can continue to live independently in the privacy and comfort of their own homes. Up to 24 hours a day, 7 days a week.

“Professional Care… At Home” Up to 24 Hour Care…

Counties Served: • Nez Perce • Latah • Lewis • Clearwater • Idaho • Asotin • Garfield • Whitman • Benton

Lewiston Office (208) 746-3050 or 1–800-930-3050

Kami Ka miah ah Off ffic ice e (208 (2 08) 93508 93 35 22 2204 04 or 11-88 8888-65 6 865 8-22 2204 04

Kenn newick, WA Office e (509) 735-33 388 or 1-800-930-30 050

Alternative Nursing Services, Inc. has been serving our communities with professionalism, quality & integrity since 1995. That’s over 16 years & looking forward to many more! The primary responsibility of Alternative Nursing Services, Inc. is to the client. We continually strive to provide quality of life for all people entrusted to our care. We endeavor to meet the total needs of those we care for! Call us Today to answer any of your questions…

420379G1-14

PROGRAMS OFFERED: • Personal Care Services • Skilled Nursing Services • Respite Care • Residential Habilitation • Developmental Therapy • Adult Day Care • Homemaker Services • Companionship Services

SERVICES AVAILABLE: • Daily Living Assistance • Meal Preparation • Housekeeping • Medication Reminders • Bathing Assistance • Transportation

Locallyy owned since 1995…

You Choose the hours… You Choose the days…

PAYMENT OPTIONS: • Idaho Medicaid • Washington Medicaid • Idaho Workmen Compensation Insurance • Washington Labor & Industries Insurance • V. A. Medical Insurance & AAA - Homemaker • Long Term Insurance • Private Pay

(with discount options available)

Lewiston/Clarkston ............................................(208) 746-3050 Moscow ...................................................(208) 882-0616 Kamiah ....................................................(208) 935-2204 Grangeville/Orofino ................................ 1-800-930-3050 Coeur d’ Alene ..........................................(208) 667-0467 Boise .......................................................(208) 570-2928 Kennewick ...............................................(509) 735-3388

9

10

how to guide

How to...

choose a fireplace or insert

less money. You might want to update your fireplace.

A fireplace adds beauty and elegance to any home. Furthermore, a fireplace definitely adds value to your home. Having a fireplace is one of the most in demand and consistently popular features in a home because it adds charm and comfort to any living space. It also adds a considerable value to your property.

An outdated home interior can turn off guests or prospective buyers. With newer options available, your home may not be sending the message you would like to convey. Adding a home fireplace is easier than you think. This is a great time to update or install a fireplace in your home in time for the winter months.

The benefits of adding a home fireplace: 1. A fireplace in your home creates a soothing and calming effect and gives more drama to a room. Always consider these factors when redesigning or upgrading a room in your house.

2. Fireplaces can brighten up a room due to its vivid yellow, red and orange colors that emit from the burning fire.

3. A fireplace can serve as the centerpiece in a room. A giant plasma TV in a room could never equal the fascination of a well-placed and beautifully designed fireplace.

4. A room that has a fireplace will look more flowing and alive due to the fire movement. You can indeed witness this when you compare an active and inactive fireplace. An active fireplace place. Your fireplace could affect will send out lights in every direction whether they make an offer on your and creates a flowing sense of life, achome. Or not make an offer. Or offer tivity and movement.

FIRE. We sit around fires and have been doing so... forever.

If you have a room with a fireplace, then that fireplace is probably the focal point of the room. If it isn’t, it should be. Furniture and decor are placed in relation to the fireplace and a great-looking fireplace can “make” a great-looking room.

Take a look at your fireplace. Does it “fit” the room? Have you updated or remodeled the room or decor but did not know what to do about the fireplace? Does it look old and outdated?

Ugly? Dark and moody? Would a future home buyer like it?

Sooner or later, that may be an important consideration. Buying a home is an emotional decision and fireplaces affect everyone, even if they never throw a log on the fire. A buyer “imagines” it being used, whether it is a mental image of an old Norman Rockwell painting, Christmas stockings hung on the mantel, or a romantic evening snuggled up to a loved one in front of a flickering or roaring fire.

Home buyers will focus on your fire-

S U N D A Y, J U L Y 2 7, 2 0 1 4

5. Fireplaces that are made and designed by talented designers can be considered as works of art. When you add a fireplace to a room, consider the statement you want to create. An elegant and modern fireplace will do magic in bringing different elements of modern design. It can easily elevate other pieces inside a room.

Contemporary-styled modern gas fireplaces and fireplace inserts don’t

use the traditional log look, and instead offer a bed of rocks or glass and reflective surrounds for a thoroughly updated look. Contemporary inserts can be added to existing fireplaces, or new gas fireplaces can be installed in almost any room.

For most people adding a fireplace is not a do-it-yourself prospect.

Welenco Stove Store is a reputable fireplace store. Come in and talk to us about your fireplace needs.

At Welenco Stove Store we have a genuine enthusiasm for our work and will offer ideas that you may not think of. We genuinely enjoy creating something that looks... like a masterpiece when we are done! www.welencostovestore.com

S U N D A Y, J U L Y 2 7, 2 0 1 4

11

l e w i s t o n t r i b un e

For the nest replace products look to Regency

Why work with Welenco Stove Store?

•Welenco Stove Store has been carefully selected and certied after being thoroughly trained on all aspects of the full line of Regency products. We can advise you on appropriate product selection, performance details and local building code requirements •A Regency replace will cut your home heating costs by zone heating your living areas efciently YOUR COMPLETE HEATING SOLUTION!

•Welenco can install a replace almost anywhere - even if you do not have an existing chimney •With over 50 years combined experience in the hearth business, we have the knowledge and skills to ensure the best job possible for you •Already have a drafty replace? Upgrade with a Regency replace insert - Welenco Stove Store will show you how www.welencostovestore.com

Warm up with Welenco ~ Your hometown Hearth & Grill Store 533 Thain Road, Lewiston, ID

208-743-5525

420357G1-14

12

how to guide

How to...

I

n today’s society, pets are generally considered to be members of the family. As such, they should be provided with the excellent health care that any member of your family deserves.

Many people neglect to bring their pets to a local veterinarian due to cost concerns.

These people tend to believe that it is simply not financially wise or necessary to provide their animals with regular health care.

However, by ensuring that your pet has regular check-ups from an experienced animal professional, you can add years to your pet’s life and improve upon its happiness.

You should never wait until your pet is sick to provide it with the health care that it needs. Many animal diseases can be prevented with regular check-ups, saving you time and money in the long run. Visits to the veterinarian will boost your pet’s health, allowing it to lead a happier, more vigorous life.

The process of searching for a veterinarian can seem intimidating. However, so long as you

adhere to the following guidelines, you can easily locate an animal health care professional that will provide your pet with the services that it needs in order to lead a long, healthy life.

When searching for a veterinarian, you should first ask for references from your friends and

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a Veterinarian fessional. Search for reviews from past clients, and check the business’s reputation with the Better Business Bureau.

After you have narrowed down your choices, feel free to visit the veterinarian’s office in order to receive a personal impression of the professional’s values. The office should be scrupulously clean, and all employees should be friendly and welcoming.

You should observe the interactions between the office’s staff and the animals that are present. If a large number of pets seem excessively stressed or anxious about their visit, this could be a warning sign that the vet is not as gentle or careful as he or she should be.

family. The best way to receive an accurate impression of a vet’s quality of work is by speaking with his or her past clients.

A veterinarian’s references should assert that he or she is professional, timely, honest and compassionate. The Internet is also an excellent source of information regarding the quality of a specific animal health care pro-

You can even chat with the other clients that are present. Ask them about their past experiences with this particular veterinarian. Most clients would be happy to share their stories or recommendations with you.

RVS

S U N D A Y, J U L Y 2 7, 2 0 1 4

l e w i s t o n t r i b un e

“Old fashioned service in a state of the art facility.”

RUSTEBAKKE Veterinary Service

David A. Rustebakke, DVM Jessica R. Bell, DVM • Caleb Schmerge, DVM Joshua Harper, DVM, CVSMT

LIVESTOCK EQUINE SMALL ANIMAL

RVS

A 6,000 square foot state-of-the-art facility offering a full service horse and small animal hospital with boarding as well as a haul-in cattle facility.

RUSTEBAKKE VETERINARY SERVICE OFFERS: • EQUINE medicine, surgery, reproductive services & dentistry, and help with behavior and training problems.

• SMALL ANIMAL medicine, surgery, dentistry, reproductive services and full-service boarding.

• BOVINE and SMALL RUMINANT medicine, surgery and herd health.

• LIVESTOCK supplies and vaccines.

• DIGITAL X-RAY SERVICES • DIGITAL ULTRASOUND • IN-HOUSE CLINICAL LABORATORY • ONLINE – Many features including an animal pharmacy.

• OUTDOOR equine horse facility HOURS: 8am–5pm Monday - Friday, 8am–Noon Saturday. www.rvs.vetsuite.com

705 15th St. Clarkston • (509) 758-0955 • 24 HOUR EMERGENCY CARE

13

14

HOW TO GUIDE

How to...

In today’s well-sealed homes, when particles, pollution, chemicals and mold spores get in, they have trouble getting out.

Be sure to keep your heating, and ventilations system clean and well maintained so your indoor air isn’t worse than the air outside.

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a Air Duct Cleaning Company

EXPERIENCE-HOW MANY years has the company been in business? You don’t want a fly by night business touching your expensive HVAC equipment. Ask for their proof of licensing and bonding and liability insurance. Do they have contractor/public works licensing? Do they have local references? Ask neighbors, or co-workers about them.

QUALIFICATIONS-Is the company certified by the National Air Duct Cleaning Association (NADCA) which has strict standards relating to training, equipment, cleaning procedures and ethical behavior. Do they have experienced technicians that have earned the prestigious ASCS (Air Systems Cleaning Specialist) designation, as well as CVI (Certified Ventilation Inspector) VSMR (Ventilation System Mold Remediator) duct cleaning certification? Are they a member of the Better Business Bureau? If so what is their rating? What is their Dun Bradstreet rating?

PRICING-Has this company provided you a competitive price? Beware of the $99 whole house special sales gimmick.

Check with other neighbors, or co-workers.

IS THIS A SIDE LINE service for them?

Beware of low duct cleaning pricing if their real business is selling equipment & furnace parts? Make sure you have a bid from another heating dealer before letting your-self fall into this sales gimmick. Have a complete list of all major components of your HVAC system you want cleaned before the cleaning begins.

SAFETY-Job Safety should be a top priority this means they employ the ‘best practices’ for safety at all job sites. Ask the company for their safety ratings? Do they use environmentally friendly, non-toxic, air purification products?

QUALITY CONTROL -Ask what are their QC policies? Customer survey’s on every residential jobsites? Visually inspection larger projects? To assure quality control, larger projects need completed reports for the facility or project manager.

Do your research

Get your money’s worth, check references, how long has the company been in business?

Ask for proof of licensing/insurance!!

S U N D A Y, J U L Y 2 7, 2 0 1 4

LEWISTON TRIBUNE

A+

a+ rating with the Better Business Bureau locally owned & operated Since 1971 First air duct cleaning company national certified air Systems cleaning Specialist in idaho/ Washington 1r2 rating with dun Brandstreet

PREVENTATIVE MAINTENANCE

SpecialiSt in HVac SyStemS cleaning uSing tHe moSt modern equipment toolS & truckS

WE CLEAN: )XUQDFH $LU 'XFW 6\VWHPV &KLPQH\V )LUHSODFHV 'U\HU 9HQWV 1HZ +RPH &OHDQ XS +HDW 5HFODLP 6\VWHPV %URLOHUV ,QVXODWLRQ &RQVWUXFWLRQ 'HEULV

Total Home Air Purification

1.800.743.9564 | 208.746.1461 Lewiston | 208.882.7575 Moscow 208.746.9858 Fax Visit us at www.bfpowervac.com

15

16

how to guide

How to...

Many consumers have never purchased a cemetery headstone or marker. It is in your best interest to first shop around to compare quality, craftsmanship and prices before making a final decision. Selecting a cemetery headstone will be the most permanent thing you will ever purchase in your lifetime, so there’s certainly no need to make a quick and hasty decision.

When buying a cemetery headstone, memorial or monument for a loved one, make sure you choose the right company.

Be sure you feel comfortable with the person you’re dealing with. Purchasing a memorial is a major investment, but more importantly, it is the final gift you will give to someone.

Customer service is a critical part of the purchase process.

Most people are in the midst of the grieving process during the time of purchase.

We want to help you through this very difficult time with as much ease and compassion as possible. Dealing with the loss of a loved one is a very difficult process. Our goal is to help make this transition a time of remembrance.

Working with you to create the monument you and your family deserve is what we strive for. Our mission is to listen to your vision and ideas, then make it a reality. It is what we love about our job.

We are your full service memorial company. We create either sandblast or lasered stones out of both marble or granite. We will design, create, deliver and set your stone for you.

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a memorialist

Granite Headstones Granite is the most popular material for a memorial monument. Granite is beautiful and extremely durable, making it a perfect choice for a monument. Granite comes in a large variety of color and finishes.

Babette Peterson next to laser machine Bronze Grave Markers A bronze cemetery marker can be created in any size to conform to your cemetery or memorial park regulations. Bronze plaques are usually mounted to a granite base. They are manufactured using a casting method. Liquid, molten bronze is poured into a mold to create the final product.

Newest Technology QR Coding is the newest technology available for memorial stones.

For $85 you can purchase a QR Code that is approx. 1.5” x 1.5” and can apply to any smooth flat surface. This QR Code links anyone who scans it with an iphone, ipad or camera ready smartphone to a webpage that will provide information such as an obituary, family history, photo gallery, comments from friends and family or a video. You are provided the webpage template.

You fill it in with any of the family history you would like to remain accessible for future generations. As amazing as it is to be able to scan this code right there in the cemetery, this is not the only way to share the history of your loved one. You can supply the webpage address to anyone in the world so they too can enjoy the wonderful memories you have created for your friends and family.

The QR Code itself is 100% guaranteed; if anything happens to it, we will replace it for free. Once purchased, you own the website for life.

The website is very user friendly and has a way to link to other QR Codes you may have purchased to create your own virtual family tree.

All of our products and services are local and we are happy to travel to our many surrounding areas.

Pricing Price, of course, is an important factor in determining whether or not Nothing is created until you apyou will make a purchase. Don’t be prove the artwork and you say it is afraid to shop around and compare JUST RIGHT! quality and prices. Elements that affect pricing include – material used, Like us on Facebook. the design, design elements (angels, emblems, etc.), granite color and accessories such as photos, vases, etc.

S U N D A Y, J U L Y 2 7, 2 0 1 4

17

l e w i s t o n t r i b un e

Creating Timeless Memories Laser on Black Granite

Wells Fargo Rock

Bench Sandblasted Georgia Blue

Sandblasted Salisbury Pink Sandblasted Newbury Grey Laser on Black Granite

GIVE US A CALL In addition to the sandblast and laser memorial stones, we also create awards, address stones, pet memorials and more. Visit us with your creative ideas and let us assist you in creating your timeless memory!

Sandblasted Dakota Mahogany

420845G1_14

Babette Peterson

208.746.1033

618 D Street, Suite A, Lewiston, ID Behind Zion’s Bank

www.pcslaser.com

babette@pcslaser.com

18

how to guide

How to...

Life is about the unexpected…

That’s why there is insurance, to cover you for the unexpected loss.

Home & Renter’s Insurance

Purchase insurance. Home, Auto, Life

and valuables are destroyed in a building fire or stolen by a thief, you need to have a renter’s insurance policy in place to cover your losses. If you do not have such a policy, you will need to recover from your loss out of pocket.

Auto Insurance

Before you start shopping for insurance, you’ll need to decide how much coverage to get. A home’s insurance value is based on the cost to rebuild the house, not the market value. And even though market values are still down in many areas, rebuilding costs are on the rise. Together with your insurance agent, you will get an estimate of the home’s rebuilding cost by taking into consideration such things as the size of the home and the building materials used in its construction.

Homeowners insurance automatically provides coverage for your personal possessions based on a certain percentage of your home’s insurance value – 70% is typical. So if your home is insured for $200,000, you’ll also have up to $140,000 of coverage for your possessions. But homeowners insurance policies usually have lower limits for certain kinds of items such as $1,000 or $2,000 for all of your jewelry, for example. If you have any particularly valuable possessions – such as jewelry, artwork or special collections, you may want to get extra coverage for those items.

When it comes to auto insurance, you want to be adequately covered if you get in an accident. Because insurance prices are based on statistics, the prices each of us pays varies.

As you consider your policy needs, it is important to keep the coverage limits in mind. The costs of a severe crash can quickly exceed your policy limits. If that occurs, you will have to pay for costs out of your own pocket.

You can save money by:

What factors impact the cost of insurance:

•Protective device credit – for burglar, smoke, and fire alarms.

•Multiple policy discount if your automobile insurance policy is also with the same company.

•Loyalty Credits from some insurance companies, based on time insured with the same Company.

•Be sure to purchase adequate insurance to rebuild your home based on building cost and not market cost, and replace your possessions.

•Review your policy limits to protect all your assets. Review your policy deductible, the higher the deductible the lower the premium. Consult your Professional Insurance agent to determine your needs.

•Be sure you have a current Home Inventory in case of a loss. Knowing the cost of your possessions. Go to www.knowyourstuff.org for a home inventory list and free app for your smart phone.

Renter’s Insurance •Landlords insure their rental properties with homeowners or landlords insurance. These policies provide coverage for the structure of the building, any personal property the landlord owns (such as appliances and carpeting) and liability for injuries due to the property owner’s negligence in upkeep or safety of the property.

•But in the event that your personal belongings

S U N D A Y, J U L Y 2 7, 2 0 1 4

vehicle if yours is in the shop for repairs, due to a covered loss.

Towing and Roadside Services: Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a repair shop.

You can save money by: •A multiple vehicle discount for insuring more than one auto with the same company.

•A multi-policy discount for insuring both your home and auto with the same company.

•The good student discount for qualifying young drivers.

•Safety discounts for features like air bags and anti-theft devices.

•Loyalty Credit for insuring with the same company long term.

•Review your policy limits, coverages and deducibles. Consult with your professional insurance agent to determine your needs.

Disclaimer on Recreation Vehicles: It is important to note that your “Toys” (ATV, Snowmobiles, Boat, Campers and Trailers) need to be insured separately.

Life Insurance •Age of the drivers, driving record.

•Make, model of vehicle and the safety features – cost of vehicle.

Coverage you can Purchase: Liability: Pays others for damages you become legally liable for, due to an accident.

Uninsured/Under Insured Motorist: Provides bodily injury coverage for accidents caused by a hit-and-run driver, uninsured, or under insured driver which occur when you or your family are driving a covered auto, or while you are a pedestrian.

Medical expenses: Pays reasonable medical expenses for you and members of your family if injured in an auto accident or as a pedestrian struck by an auto.

Collision: Protects you from losses resulting from damage to your auto due to collision with another object.

Comprehensive: Pays for other losses to your auto, included losses caused by fire, theft, glass breakage, failing objects, natural disasters, vandalism, and other causes of loss.

Rental reimbursement: Pays for a certain amount daily for a replacement

•Find an Agent you trust: It’s important to work with a licensed professional insurance agent, someone that will address your questions and concerns. Making your needs their priority.

•Get educated on the options available: Let your trusted agent teach you about the different life insurance products available. Each product fits a specific need, which is different for everyone.

•Complete a Life Needs Analysis: Sit down with your agent and calculate how much coverage you want. You may be surprised at how much life insurance you actually need.

•Be Patient with the Underwriting Process: Depending on the policy/policies you choose, the underwriting process will be different. Some only require an application, while others require an exam and review of medical records at no cost to you.

•Don’t Wait: Don’t put off addressing your life insurance needs. The longer you wait, the more expensive it will become. You also take the chance of developing a health issue that may make it difficult and expensive to buy coverage later.

•Protect your Family: Life Insurance is not about you – it’s about protecting your family and those you care most about.

S U N D A Y, J U L Y 2 7, 2 0 1 4

19

l e w i s t o n t r i b un e

Life is about the unexpected...

That’s why there is insurance, to cover you for the unexpected loss.

•Home •Renters •Auto •Life

James Sattler

Katy Miller

Sattler Insurance - Your trusted Allied Agent for the LC Valley.

We are a Team of Professionals that are here to help you.

www.sattlerins.com

1504 8th Street, Lewiston, Idaho 83501

(208) 743-9426 • 800-615-8418 420850G1_14

20

how to guide

How to... quality standards and demonstrating better patient outcomes while also providing affordable care. Additionally, St. Joseph’s Cancer Services received accreditation with commendation by the American College of Surgeons Commission on Cancer. This distinction came as a result of a successful demonstration validating that patients have access to the full scope of services required for diagnosis, treatment, rehabilitation, and support.

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a hospital

St. Joseph Regional Medical Center provides the region with the most comprehensive range of services, including surgery, diagnostic imaging, cancer treatment, Breast Imaging Center of Excellence, inpatient and outpatient mental health, rehabilitation, cardiovascular services, women’s health services, Family Beginnings Birthing Center, pediatrics, family care, sleep study center, adult and pediatric neurology, pulmonology, urology, hospice The St. Joseph Breast Imaging Center care and palliative care, gastroenterology of Excellence is a premier multi-diagnostic and endoscopy services, neuro interventional imaging center, offering: Advanced Imaging radiology, surgery and emergency services.

Technology, Digital Screening and Diagnostic This complete service line sets St. Joseph Mammography, Dedicated Breast Ultrasound, apart in our region. The care you need is right Stereotactic and Ultrasound Guided Biopsies. here at St. Joseph Regional Medical Center.

It is the region’s only Breast Imaging Center Providing excellent and compassionate Our patients are our number one priority. healthcare as a full-service hospital is a long- of Excellence by the American College of Our goal is to provide our patients with Radiology (ACR). Our staff is focused on standing tradition at St. Joseph Regional excellent patient care in a compassionate Medical Center. We are the Regional Medical breast imaging. Our radiologic technologists, and healing environment. At St. Joseph, you who have their advanced certification in Center people rely on to provide safe, can access your medical information online professional and compassionate healthcare. mammography, perform all exams and with FollowMyHealth. By using this patient achieve excellence in each of the ACR’s Through compassion, knowledge, portal you will get 24/7 secure online access breast imaging programs. The center is a technology, and a love for what we do, we from any computer, smartphone or tablet mastery of diagnostic imaging techniques, live our Mission and provide an excellent expert clinical staff, and the use of advanced to the following: view test and lab results, patient experience for all we serve. view your patient summary and upcoming technologies.

Patient safety and quality care are priorities appointments, receive appointment St. Joseph is committed to providing for the Medical Center. Recognition as a reminders, and more. We make the following excellent care to our region through the Distinguished Hospital for Patient Safety and highly skilled and certified physicians on our promise to all patients: “We promise that earning numerous honors over the years healthcare team, and a quality facility with the you are the center of our work. Our healing demonstrates St. Joseph’s commitment latest in medical technology and treatments. ministry will be provided with honesty, and dedication to service excellence. St. compassion and respect. Our dedicated St. Joseph has over 120 board-certified Joseph is routinely recognized by national team will be with you throughout your St. physicians active in both primary care and organizations, patients, and colleagues for Joseph experience.” specialty practice. The St. Joseph Medical providing safe, quality patient care. We are Group is a multi-specialty group of physicians At St. Joseph Regional Medical Center accredited by The Joint Commission. This providing primary and specialty care services.

Gold Seal of accreditation and certification is Providers at the Medical Group are employed quality patient care is our greatest responsibility, skilled physicians and staff our nationally recognized as a symbol of quality by St. Joseph Regional Medical Center and greatest asset, providing excellent patient in healthcare and can only be achieved by work collaboratively for the benefit of their experiences our greatest accomplishment, meeting or exceeding strict performance patients. We strive to have all members of and the health of our community and region standards. our healthcare team be leaders in their field our greatest goal. St. Joseph continues its St. Joseph Regional Medical Center is the with formal training, advanced degrees, and commitment to the people of our region and region’s only designated Blue Distinction certifications. The majority of our registered our community.

Center for Hip and Knee Replacement and nurses have earned bachelor degrees in St. Joseph Regional Medical Center.

Spine Surgery. This nationally recognized nursing and are certified in many specialty honor is earned by hospitals achieving areas.

Together In Health.

Some of life’s most significant events occur during a stay at the hospital. Whether it is a trip to the emergency department, the birth of a child or grandchild, or a surgical procedure that helps you enjoy life without pain; when it comes to your health, it’s important that you make the right decision when choosing the best hospital to care for you. Safe quality patient care, highly skilled physicians and healthcare providers, state-of-the-art medical equipment and technology, a comprehensive range of medical specialty services, and an excellent patient experience are essential qualities to consider when choosing a hospital. It’s good to know that the right choice is right here in our region – St. Joseph Regional Medical Center.

S U N D A Y, J U L Y 2 7, 2 0 1 4

l e w i s t o n t r i b un e

21

22

how to guide

How to...

The complexities of filing taxes increase every year, prompting more people to turn to professional tax preparation services. You may even be planning to count yourself among these people if your personal financial situation has grown overly complicated.

Hiring a professional to file your taxes may be a good way to save time, but even that decision can be more intricate than many people realize. Your money and reputation are at stake, so the stakes are high.

The IRS urges all taxpayers to employ care and caution when choosing a tax professional, as these professionals will not relieve people of the legal responsibilities of their tax returns. There is no doubt that most professional tax preparers are honest people who provide excellent services to their clients, but there are still unscrupulous tax preparers out there who can cause their “clients” considerable legal and financial difficulties.

Check the preparer’s qualifications.

New regulations require all paid tax return preparers to have a Preparer Tax Identification Number. In addition to making sure they have a PTIN, ask if the preparer is affiliated with a professional organization and attends continuing education classes. The IRS is also phasing in a new test requirement to make sure those who are not an Enrolled Agent, CPA, or attorney have met minimal competency requirements. Those subject to the test will become a Registered Tax Return Preparer once they pass it.

The IRS does license Enrolled Agents who must pass an exam and have continuing education to maintain their licenses. The Treasury Department authorizes these Enrolled Agents to represent taxpayers at all levels of an audit. H&R Block has Enrolled Agents on staff to assist you.

When you hire a tax preparer, verify

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a tax professional

whether they will be able to provide you with representation if the IRS audits your return. This is also a good opportunity to inquire about the preparer’s audit rate.

The important thing is that you know precisely what you are paying for. Confirm that you are hiring someone who specializes in tax preparation (CPA is a designation indicating a qualified accountant who may or may not be a tax specialist).

Check the preparer’s qualifications.

Ask if they offer electronic filing.

Provide all records and receipts needed to prepare your return.

Make sure the preparer signs the form and includes their PTIN. Always investigate your preparer’s credentials and/or the business for which he or she works. Don’t be afraid to contact the Better Business Bureau to verify that the preparer and/or business does not have a questionable history.

Qualities of a legitimate & reputable tax preparer include: •Affiliation with an organization that requires continuing tax education •A preparation fee based on the complexity of your return •A willingness to answer all of your questions •Availability beyond the preparation and filing of your tax return after tax season •Familiarity with all of the states in which you must file •Familiarity with any special circumstances that may apply to you •A willingness to include an itemization of all judgement calls with your copy of the return

•A willingness to provide an in-person review of the refund with the preparer Warning signs that may indicate a disreputable tax preparer include: •Claims that they can obtain larger refunds than their competitors •Guarantees of a refund up front •A request that you sign a blank form •Tax preparers who are unwilling to sign a return (this is known as “ghost” preparation), the taxpayer needs to be up front about all their financial information with regard to tax situations.

Ask if they offer electronic filing. Any paid preparer who prepares and files more than 10 returns for clients must file the returns electronically, unless the client opts to file a paper return.

More than 1 billion individual tax returns have been safely and securely processed since the debut of electronic filing in 1990. Make sure your preparer offers IRS e-file.

Provide all records & receipts needed to prepare your return. Reputable preparers will request to see your records and receipts and will ask you multiple questions to determine your total income and your qualifications for expenses, deductions and other items. Do not use a preparer who is willing to electronically file your return before you receive your Form W-2 using your last pay stub. This is against IRS e-file rules.

Make sure the preparer signs the form and includes their PTIN. A paid preparer must sign the return and include their PTIN as required by law. Although the preparer signs the return, you are responsible for the accuracy of every item on your return. The preparer must also give you a copy of the return.

Once you are confident that your tax professional is competent, reputable, respected and suited to your needs, you can file with confidence and put your mind at ease.

S U N D A Y, J U L Y 2 7, 2 0 1 4

23

l e w i s t o n t r i b un e

We have been with you every step of the way helping you to decipher the tax codes...

We are open all year long!

Because tax questions can pop up at any time.

John and Terry Blankenship

The tax professionals at H&R Block work year round to make sure you get everything you deserve. You can count on us to be here to help with your tax preparation or even just to answer a question.

All year long.

• • • •

Payroll Accounting Tax Preparation All Business Taxes DOWNTOWN

1446 Main, Lewiston (208) 743-0222

• Audit Assistance • Enrolled Agent • Tax Planning

H&R BLOCK

®

NEVER SETTLE FOR LESS™ 420884G1_14

24

how to guide

A

s a parent or grandparent, the welfare of your children and grandchildren is always at the forefront of your mind. You’ve probably considered what will happen to them when you are no longer around, and may have already set up a will and trust with the house, the car and other financial assets specifically doled out to your beneficiaries.

Your legacy extends further than just the tangibles, however. You’ll pass on many traits unique to your family, such as your name, genetics and maybe an old family recipe. Passing along your credit union legacy can be both a tangible and intangible benefit to those you care about.

Because of your membership with P1FCU, your immediate family members are eligible to join at any time as well. The benefits of credit union membership are innumerable. Credit unions are financial cooperatives, owned by their members.

Because there are no shareholders, the board’s only interest is the safety and soundness of the credit union and making sure that members, not stockholders, are the beneficiaries of product and service decisions. Credit unions are member-owned, not-for-profit financial cooperatives, dedicated to improving members' lives.

Members of your family will experience the same benefits of credit union membership you already enjoy. They, too, will benefit from expert advice, low rates on loans, high

S U N D A Y, J U L Y 2 7, 2 0 1 4

dividends on savings and term share certificates, and exceptional member service.

So, give your family the gift of membership today, and encourage those you care about to join your credit union and become a part of your credit union legacy.

To set up accounts for your children or grandchildren today, visit your closest branch for more information. If you prefer, you may give us a call at 800.843.7128, or visit our website at p1fcu.org.

p1fcu.org

S U N D A Y, J U L Y 2 7, 2 0 1 4

25

l e w i s t o n t r i b un e

Money Market Accounts

.75%

*APY

*Annual Percentage Yield.

Rates and terms subject to change without notice.

Because assets aren’t always measured in dollars & cents.

Federally Insured by NCUA

18 Month

Certificates**

.90%

*APY

*Annual Percentage Yield. Rates and terms subject to change without notice.** Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity).

Auto Loan Rates

1.99%

APR

Not all will qualify for lowest rate.

Up to 60 month term.

26

how to guide

How to...

Five tips to guide you.

1. Don’t go it alone. Bring along a friend or relative.

“One of the most important steps you can take is to bring a spouse, family member or friend to the examination,” says Juliette Sterkens, an audiologist in Oshkosh, Wis. “Two people hear and remember more.”

2. Interview a provider.

“The number one thing to remember is that the value you get out of your hearing aid is based on the skills and abilities of the hearing health professional,” says Sergei Kochkin of the Better Hearing Institute. Audiologists and hearing instrument specialists are both licensed to sell hearing aids, but audiologists hold a master’s or doctoral degree in audiology. Get referrals from health care professionals. The American Speech-Language-Hearing Association and the American Academy of Audiology offer information on how to find a hearing professional.

S U N D A Y, J U L Y 2 7, 2 0 1 4

Choose the Right Hearing Aid ing loss. When new patients come to him, Freeman quizzes them: “What do you want the hearing aid to do for you? Do you just want to be able to hear the television?

Or do you hope to hear the sermon in church?” Knowing your priorities will help the professional determine what style and technology are best for you.

4. Have your hearing tested. During your visit, you should be given a hearing test in a soundproof booth.

It will tell the audiologist or hearing specialist what type of hearing loss you have so a hearing aid can be programmed specifically for you. Not all devices will fit every person or every degree of hearing loss. And “these are custom-made devices,” says Linda Remensnyder, an audiologist near Chicago. “It’s not prudent to buy online or from a big-box retail store.”

5. Try before you buy. Ask for a demonstration of the hearing aids recommended for you. An audiologist may be able to put a disposable plug on the tip of a behindthe-ear hearing aid and program the device to your hearing loss so you can experience how it works. “This is way too important and costly a decision to make in a hurry.”

3. Know before you go. “Most people have had trouble by: Cathie Gandel | from: AARP Bulletin | May 1, 2011 with their hearing for years,” says Barry Freeman, an audiologist and chairman of the board of the National Council for Better Hearing. Yet they wait an average of five to Top experts in the field give seven years before buying a hearing aid. The worse the advice on how to shop for and hearing loss, the harder it is for your brain to adjust, so it’s choose a hearing aid. important to act as soon as you think you may have hear

S U N D A Y, J U L Y 2 7, 2 0 1 4

27

l e w i s t o n t r i b un e

OUT with the OLD... IN with the NEW! FREE SERVICES:

• 30 Day Trial Period • Hearing Test • Cleaning & Adjustment of All Hearing Aids • FREE Batteries for Life with purchase • 0% Interest Financing Available • We Bill Insurance (where hearing aid benets are available) • Local Labor and Industries Provider • Federal Benets Provider • Bluetooth Capabilities Area’s ONLY Board Certied Hearing Instrument Specialist

Guaranteed Best Service s ce and Lowest Pri e h In T Quad-Cities

Phonak Bolero Q

Modern Hearing Aids are true Miracles of Technology

Modern hearing aids offer a wide range of functions and variety. Your hearing care professional will help you make the choice that is perfect for you.

There are two basic types of hearing aids: • Custom models (ITE or ITC and CIC models) • Behind-the-ear models (RIC and BTE models)

Hearing Aid Service

1850 Idaho St., Lewiston 421033G1-14

208-746-6068 | 800-248-5049 Hours: Mon-Fri 9am-Close

Evenings & Saturdays by Appointment

28

how to guide

How to...

Building or remodeling comes with many tough decisions, like what kind of layout, what building features, and of course all the details like colors and designs. By the time you get to choosing finishes, it’s understandable to be overwhelmed, but don’t give up yet! You’re almost at the finish and this is where it gets fun, as you really see your vision come to life.

When planning your finished look, the first thing you must decide is what do you want the focus to be. Do you want guests to notice your spectacular light fixtures? Detailed cabinetry? Fancy countertop or elegant sink? Maybe it’s the flooring or backsplash you want to have the wow-factor. Whatever it is, start there. Bring a sample of your attention-grabbing piece with you to every other decision you make. If you have a cabinet and tile color chosen when you choose a countertop, it is very helpful to hold your samples up next to the slabs you like to see what colors are highlighted with the other finishes you have chosen.

S U N D A Y, J U L Y 2 7, 2 0 1 4

choose a stone surface

Your countertop can be as subtle or as eye-catching as you want as there are many materials to choose from. Marble, soapstone, and travertine are all beautiful understated natural options, although they may be a little high maintenance for some applications. Quartz countertops have the range to be delicate or showy and are the least maintenance out of any countertop option.

Granite is generally a bit more of a statement piece due to more contrast and movement, although there are some neutral granite options, and durability is usually higher than any other material. There are other products as well, such as laminates and solid surface, that won’t offer the same durability as stone but may be good options if budget is getting tight towards the end of the project.

4020 Hatwai Rd., Lewiston, ID 83501 Phone: (208) 746-8196 Fax: (208) 746-0124 info@graniteconceptsnw.com www.graniteconceptsnw.com Another factor in your countertop decision is whether you picture your kitchen with a lighter or darker top. On the same note, what other colors or features do you have in your space and do you want your countertop to coordinate or contrast with them? If you are lacking in natural light you may choose to keep your finishes on the lighter side. On the other hand if you have lots of light wood or white tones you may want to contrast those with a dark countertop to break it up.

Lastly, manmade materials such as laminate, quartz and solid surface are very consistent in composition, making it easy to choose from a sample and trusting the finished product will look like the sample you saw. Natural stone is made up of many different minerals and composites that give each color its character. Feldspar, quartz, mica, calcium, iron, labradorite, and garnet can all be found in different granite colors and all give each stone its unique characteristics.

Make sure you see your stone in person!

A sample can be deceiving with natural stone because each batch is different in shading and pattern. Discuss any concerns with a professional fabricator. Will there be any seams? Are there any fissures or features that are unavoidable to cut around? These questions are appropriate and appreciated by fabricators who take pride in their work, and they will certainly help you in making your final decision.

S U N D A Y, J U L Y 2 7, 2 0 1 4

Beauty

29

l e w i s t o n t r i b un e

SET IN STONE.

Kitchens • Bathrooms • Desks • BBQs • Fire Pits • Fireplaces

120+ COLORS

LARGEST SELECTION IN THE REGION! (208) 746-8196 | 4020 Hatwai Road, Lewiston | GraniteConceptsNW.com |

/GraniteConcepts

30

how to guide

How to...

First off we will define Manufactured vs. Modular home. Manufactured homes are built to HUD code. This is a federal code that was established in 1976 and is now one of the most strict building codes in place in our country. When placed on site the I-beam frame stays attached to a Manufactured home. Modular homes are built to IRC code.

This is the code for the county or the city in which the home is being placed. The I-beam frames are either non-existent or are removed from this type of home. We sell Marlette brand homes and we can order them built to either code. The exterior and interior appearance of our homes does not change, just the code that they are built to. Both homes, when set on private property and a permanent crawl space foundation, can be converted to real property and are for all sense and purposes treated the same as a site built home. Low down payment and low interest 30 year loans can be taken out on them and they are given the same life span as a traditional site built home. Because they are converted to real property, depreciation is no longer an issue. The value of the homes go up and down with the market in the same manner a site built does. Manufactured homes can still be placed in parks and kept as titled homes if one chooses to live a more low maintenance life style.

Why buy a Manufactured or Modular home?

Probably the biggest reasons to buy a Manufactured home are time, cost and convenience.

Modular homes do take quite a bit more time due to extra time in engineering them to the local code and the cost is slightly higher on a Modular home but is still normally less than the equivalent site built home. Most modern Manufactured and Modular homes are built with 2x6 construction, 36 inch front and rear doors, full taped and textured interior walls, 32 inch interior doors, wood cabinets, energy efficient doors and windows and extremely high insulation R-values. Manufactured homes can

S U N D A Y, J U L Y 2 7, 2 0 1 4

buy a Manufactured or Modular Home

come as Energy Star rated homes making them some of the most energy efficient homes on the market. Manufactured and Modular homes are a great option for people in rural communities that may not have many local contractors available.

They also come in all shapes, sizes and costs allowing dealerships to meet just about any buyers needs from small inexpensive and simple homes to large luxurious homes that would rival some of the fanciest homes in our area. There is usually a floor plan available in the size and cost you are looking for. Buyers can completely customize their homes with hundreds of options and choices depending on the brand of home they are looking at. Manufactured and Modular homes also come with excellent warranties, some going out as far as 5 years on the structure. The homes provide you with warranties on materials also. For example the

windows, siding, roofing and appliances all have warranties along with too many more to list. Most manufacturers only allow the dealer that sold the home and the manufacturer that built the home to complete service work. Be sure to buy from a reputable dealer located close to your area or service work may become an issue. To make sure the dealer has a good reputation for service, you can either ask for references or you can go to the Better Business Bureau ‘s website and check out who’s been “naughty or nice”.

Financing a Manufactured or Modular home: Financing for Manufactured and Modular homes is now very easy to obtain. If the homes are being placed on private land then most customers start out with a construction loan that gets converted into a 30 year mortgage loan when the project is completed. There are four costs involved in this type of loan. The cost of the home, the property, the site improvements and loan fees.

Normally when a bank does construction loans (not all banks do) they will also do Manufactured and Modular home loans. There are a variety of programs out there from FHA 5% down loans to 20% no PMI insurance loans. PMI insurance can add a significant amount to a person’s monthly

payment and if the buyer owns their land free and clear (land equity can act as the down payment if value meets the banks requirements) or has at least 20% cash to put as a down payment this insurance requirement gets waived lowering the monthly loan payment. For the buyer that doesn’t want their home legally attached to the property, like farmers and ranchers that the land is say “incorporated” or for people who are placing the home in a park, we do have several lenders that do low interest rate home only loans. This loan is on the home and the site improvements only and does not take the land into account.

FAQ’S: 1. Where can I place a manufactured or modular home? Answer: There is no more zoning against manufactured or modular homes. The counties, cities and states will let you place them anywhere. The only exception is if a private individual such as a developer/builder has put protective covenants against off site built homes.

2.

Do you have land home packages?

Answer: Technically most dealerships just sell the home, but most act as a coordinator and help you put the entire package together.

3. What do you have available in a 3 bedroom 2 bathroom home? Answer: Most manufacturer’s have around 50 or so different floor plans to choose from. The homes usually come in 3 bed 2 bath versions with some 2, 4 and 5 bedroom versions available.

4. Can we make structural changes and modifications to the homes? Answer: Yes you can completely customize your home along with picking from a wide variety of colors and materials.

5. How much do your homes cost? Answer: Most homes start at around $35,000 for a singlewide and go up to $170,000 for a large triple wide, with everything in between. This cost does vary from dealership to dealership.

S U N D A Y, J U L Y 2 7, 2 0 1 4

LEWISTON TRIBUNE

Why Buy A Marlette From Sunrise Home Center?

Paul and Becky Wright have owned and operated Sunrise Home Center for 22 years here in the Lewis-Clark Valley. We are by far the oldest dealership in our area. Our years of business experience has allowed us to fine tune the process of buying and owning a manufactured/modular home. We are highly knowledgeable not only in the construction and placement of our homes but also in the construction process that goes along with setting the home. We have worked closely with multiple lenders throughout the years and are highly versed in what is needed to get a loan for your home. All the materials in our homes are the same as a site built house with 2x6 construction, full tape and textured walls, all wood cabinets, etc. Our Energy Star Homes have R38 insulation in the floors, R21 in the walls and R40 in the roof along with double pane low E vinyl windows, and a 50 gallon Energy Star hot water heater. Marlette has taken the Energy Star Package to a higher level and now has the distinct rating of GREEN! Service is what makes or breaks a business and we pride ourselves in having an exceptional service record. Marlette has a 5 year structural warranty along with separate warranties on the siding, roofing, windows, appliances etc. Sunrise Home Center has one of the top records for Marlette in terms of sales and service. We have been a member of the better business bureau for over 20 years and we have an A+ rating with them. Our Marlette Homes are built at the factory located in Hermiston, OR. This factory is also one of the top rated factories in the country for quality control and customer service. Top of the line, quality Marlette home along with years of experience and reputation is why you should by a home from Paul and Becky at Sunrise Home Center.

421064G1-14

1463 Bridge Street

Clarkston, WA 99403

‡ www.sunrisehomecenter.com

31

32

how to guide

S U N D A Y, J U L Y 2 7, 2 0 1 4

You’ve got the best business in town.

So why isn’t it showing up on Google?

Even if you’ve got the best reputation in town, that doesn’t automatically mean your business will show up on the first page of Google search. And if it’s not featured at the top of the page, you’re not just losing business, you’re giving it to someone else.

Digital Marketing = Revenue The good news is, there are easy ways to make sure that your establishment captures the attention it deserves on the web.

Save Time, Increase Sales & Gain Customers Learn more about our custom Digital Marketing Solutions For your FREE website analysis, contact your Tribune representative or Jennifer Baker at (208) 848-2245 or email: jbaker@lmtribune.com