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March 21, 2012


Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... choose a physician EVERYONE EVENTUALLY GETS SICK Sooner or later everyone gets sick, so sooner or later everyone needs a doctor. But finding the right physician is not always easy. Since people require different things from their physicians, it’s difficult to provide blanket guidelines to find a good doctor. But there are some basic tips everyone can find useful. BASIC TIPS A good first step is to ask friends and family members who have had good experiences with a physician. Second, contact clinics and hospitals in your area. A good doctor is a combination of someone with good medical skills and good interpersonal skills the patient can relate to. The best way to find out if a doctor has these qualities is to ask questions: • Where did the doctor go to school? • Where did they do their residency? • Where did they intern? • Is the doctor boardcertified in his or her area of specialization? • Patients should ask about after-hours coverage. Who handles it and how is it done? Another important question is how often the doctor wants to see the patient. Do they want to see the patient on a regular basis or just when they are sick? Preventive health services can be important to some patients. Does the doctor provide screening exams, immunizations and

other such services? What about office hours? Is the doctor’s office open in the evenings or on weekends? How does the doctor’s office handle scheduling? What other services does the clinic offer? At what hospital is the physician on staff? Many of these questions have no right or wrong answers. It just depends on what fits the patient’s needs. BE HONEST Patients should be upfront about what they are looking for in a physician and ask questions to find out if the doctor they are seeing will fit their needs. Sometimes it may take several visits to different doctors to find one that a patient can relate to and feels comfortable with. If a doctor is inattentive, doesn’t get along with the patient or the patient is uncomfortable talking

with the physician, they may want to seek another doctor. STAFF IS IMPORTANT, TOO A doctor’s staff can be a reflection upon the physician. For example, a good doctor should have a staff member explain why a patient has to wait a long time. Patients, in turn, need to be patient because emergencies can happen. The next time the emergency could involve the patient that once had to wait. Finally, payment for medical services must be considered. Patients need to make sure doctors they are looking at take their insurance. If patients don’t have insurance, they need to make sure they can reach a payment arrangement with the doctor. Finding a good doctor is not an easy task. The right relationship between a doctor and a patient is dif-

ferent for every person. The task is further complicated by the fact many people don’t regularly see a doctor. Patients need to do their part to help doctors in the relationship. THE INITIAL VISIT When seeing a new physician, a patient should bring any medication they are taking and should be able to put in writing why they are taking the drugs. Patients should also know any medications to which they are allergic, and the nature of the allergic reaction. They should also be prepared to give the doctor a good personal medical history. The history should include any past or present chronic conditions, any family history of diseases such as diabetes, cancer or heart disease and a list of surgeries the patient has had. Patients may also

want to write down any questions they want to ask the physician. Despite the difficulties, finding the right doctor can increase the length and quality of a patient’s life. IMPORTANT POINTS • Get references from family and friends. • Ask questions. • Be up-front about what you are looking for. • A doctor’s staff can be a reflection on the physician. • Payment for medical services must be considered. QUESTIONS TO THINK ABOUT • What doctors are covered by your insurance? • What are the doctor’s qualifications? • Do you and the doctor communicate well? • Can this doctor provide what you require from your primary care physician?

AFTER HOURS CLINIC Evening and Saturday Hours For Your Healthcare AFTER HOURS CLINIC HOSPITAL LOCATION 631 N. 8th St., Missouri Valley HOURS: Monday- Friday 5 p.m. - 9 p.m. Saturday: 9 a.m. - 3 p.m.

712-642-2784 This is your healthcare

Alegent Health Logan Clinic 122 West 8th St. Logan, Iowa, 51546

(712) 644-3288

Alegent Health Missouri Valley Clinic Located in Hospital Missouri Valley,Iowa 51555

(712) 642-2794

Alegent Health Woodbine Clinic

Alegent Health Dunlap Clinic

518 Lincoln Way St. 410 Ely Street Woodbine, Iowa 51579

707 Iowa Ave. Dunlap, Iowa 51529

(712) 647-2566

(712) 643-2298


March 21, 2012

Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... choose a pharmacy/pharmacist If you’re like most people, you did not choose a pharmacist, you chose a pharmacy for your medication needs. Your pharmacist is an important part of your health care team and should be chosen carefully. In between doctor visits, your pharmacist can be an important resource for you. This is especially true if you are using multiple medications or need help with products such as blood glucose meters, asthma inhalers, or other special care items. Some key questions to ask when choosing a pharmacist include: • Does the pharmacist take time to answer your questions in a manner that you understand? • Does the pharmacist tell you about each new medication and explain such things as how and when to take

the medication and what you can and cannot take with it? • Does the pharmacist have any special training in disease management, such as a certified asthma counselor? • Does the pharmacist show concern for you and your family? • Does the pharmacist recommend vitamins or supplements to take or tell you which ones you should NOT take with your prescriptions? If your current pharmacist does not meet your needs or does not take the necessary time to make sure you understand your medications, visit other pharmacies and ask if the pharmacist has any special certifications or training. Find out if the pharmacy has any special services they can offer you such as demonstrating a new inhaler. See if you can

find a pharmacist that is easy to talk to, yet shows concern and is able to explain what you need to know as a consumer of both prescription medications and vitamin supplements. WHAT TO LOOK FOR IN A PHARMACY Where your family pharmacist works should also be an important consideration when deciding how to meet your medication needs. Most people taking medications visit a pharmacy monthly and should consider several factors when choosing which pharmacy to patronize. Convenience is an important issue with all of the time pressures people feel these days. The pharmacy should be in a convenient location with convenient parking nearby. If you are unable to get to the pharmacy, the pharmacy should make sure your prescrip-

tions are mailed to your home or delivered to your home or work. Having the ability to open a charge account or have a credit card kept on file for charging prescriptions is a convenient feature, especially when you are on a trip or someone else is picking up the prescription for you. The pharmacy may offer special services that set them apart from the other pharmacies. You might be interested in special packaging to make it easier to remember to take your medications. If you have diabetes, finding a pharmacy that can demonstrate several glucose monitors to find which one works best for you can make testing your blood sugar easier. Some pharmacies have the ability to “download” the readings off your diabetes monitor and print them out for you. This will help both you and your doctor control your diabetes. Ask if the pharmacy can measure your “Alc” level to check your long-term glucose control. Look for a pharmacy that offers a private counseling area so you can ask personal questions without being overheard. Other conveniences that should be taken into account include a toll-free phone number to use if you live out-of-town or are on vacation. Ordering refills over the internet is something new many progressive pharmacies now offer. Many times, you can also look up health information on the pharmacies’ Web sites as well. It is a good idea to get

all of your prescriptions filled at a single pharmacy. The pharmacy keeps a complete medication profile on you. These profiles record all medications you are taking, health problems and drug allergies that you have told the pharmacist about. By going to one pharmacy, your pharmacist will be able to continuously update your patient profile - making sure all the information is accurate. This will help avoid problems that occur when some medications are mixed. With a little effort, you should be able to find a pharmacy that will be your partner in your goal of living a healthful life. HOW TO READ A PRESCRIPTION Most prescriptions are made up of Latin abbreviations. The following is a short list of some of the more common ones and what they mean: i: one ii: two iii: three iv: four po: take by mouth QD: take once a day BID: take two times a day TID: take three times a day QID: take four times a day q12h: take every 12 hours q4-6h: take every 4 to 6 hours prn: as needed or if needed pc: after a meal ac: before a meal as: left ear ad: right ear ou: both eyes od: right eye os: left eye tsp: teaspoonful ml: milliliter

More Than A Pharmacy Two Convenient Locations

Y88 Y A A M M AY, D N SU


• Russell Stover Candy • Gifts & Collectibles • Easter Cards • Mother’s Day Cards • Graduation Cards

EBY Bob Eby Woodbine

WOODBINE 423 Walker Street


DRUG STORE Store Hours

Store Hours

Mon. - Fri. 8:00 a.m. to 5:30 p.m. Saturday 8:00 a.m. to Noon

Mon. - Fri. 8:30 a.m. to 5:30 p.m. Saturday 8:30 a.m. to Noon

Steve Eby Logan

LOGAN 103 North 4th Ave.


March 21, 2012


Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... choose a jeweler

Visiting a jeweler can be an overwhelming experience because most shoppers simply don’t know enough about the intricacies of gemstones, precious gemstones and precious metals to make their choices easily. That’s why finding a reputable and competent jeweler is important. Any jeweler should be willing and able to show customers a variety of gemstones and jewelry in different shapes, sizes and qualities and should stock a broad selection of ring styles to enable you to decide which best fit your pocket book. Your jeweler should be able to help you learn to see with your own eyes why some diamonds of similar size differ greatly in value, for from a practical perspective-how you might reasonably select from a variety of different sizes, all priced similarly to fit your budget. All of us like to feel we receive a good value when we make a major purchase. Take time to find what you want and

where you want to buy it. Diamonds, for instance, can be confusing. Even if two diamonds are the same size, color and clarity, differences in the way they were cut, their finish and fluorescence can cause one to be worth much more than the other. BUYING GEMSTONES Gemstones have been sought after and treasured throughout history. They have been found in ruins dating back several thousand years. They are valued as gifts symbolizing love. Generally, the price of any gemstone is determined by size, cut, quality – which includes color, clarity and treatments – and type. Here are some simple questions to ask about quality: • Has it been heat treated? • Is the stone natural or synthetic? • Are there any noticeable scratches, chips or inclusions? • Is the color even throughout the stone? • How strong is the

color? Is it vivid? • If you are buying the stones for earrings or cufflinks, are the stones well-matched? ADVICE TO PROTECT JEWELRY Try to protect any jewelry from scratches, sharp blows, harsh chemicals, extreme temperatures and sunlight. Here’s some advice about how to keep your jewelry in good condition: • Store jewelry separately so it doesn’t scratch other jewelry. • When doing household tasks such as gardening and cleaning, be certain to remove rings. • Put your jewelry on after washing or bathing and applying makeup or hair spray. • Never wear jewelry while swimming in a swimming pool. The chlorine can cause damage to various gemstones and gold. • Avoid storing your jewelry next to a heating vent, window sill or on a car’s dash board. Store jewelry away from sunlight (the sun may fade the gemstones). • Always store bead

necklaces (such as lapis, pearls, etc.) flat; silk stretches over time. Do not store pearls in plastic bags. • Gemstones may become loose in their settings (and possibly fall out). Be certain stones mounted in rings are not loose and don’t rattle. The prongs of a ring can and do wear down. If the prongs wear down too much or break, you lose the stone. Prongs are easily “retipped” by most Bench jewelers to keep the stone secure. • Sterling silver will polish up by rubbing or buffing it with a soft cotton cloth. • Store silver in plastic bags with an interlocking seal to make it less prone to tarnish. • Remember, also, the hardness of stones plays into how they can be treated. Hardness is based on a gem-trade standard called the Mohs Scale. The higher the Mohs Scale number, the harder the stone. The highest Mohs Scale number rating is 10, for diamonds.

Anything rated less than 7 on the scale can be easily scratched – coral, lapis, lazuli, opal, pearl, turquoise, for instance. gold, silver and platinum are at the soft end of the scale. KEYS TO A FINE JEWELER When you are searching for a jeweler, remember you may spend thousands of dollars over time at this business. It’s imperative to find someone you feel comfortable with and someone who is willing to work with you when you have questions about jewelry, repairs or perhaps special orders. Find a store where the owner is the jeweler, someone actively involved in the store’s operation who knows his clientele and the business. Your chosen store should be able to design and create fine jewelry. DESIGN IS MOST IMPORTANT ASPECT OF JEWELRY Custom built jewelry has become a very important feature you can only get from a personal jeweler. Many stores sell jewelry but lack the technical knowledge and skill of a certified jeweler. The nice feature is the ring, necklace, pendant, bracelet or earrings are made exclusively for you. You can help design your own piece and get exactly the artistic look that fits you and your lifestyle. This personal expertise is good after the piece is completed. It is important to be able to have the work done on the item at the location of the jeweler. The jeweler now has the time and technology to make custom built pieces at their store.

Adorn the one you adore Mike Lynch preparing to set a diamond

Marti Lynch showing bridal sets

For Her . . . We offer Dancing Diamonds, beautiful laser drilled diamond in motion. Because these diamonds have platinum jump rings instead of prongs, they get complete and stunning dispersion of light.!

For Him...

Easter is approaching! Keep in mind that we offer a huge selection of religous jewelry made to YOUR specifications! Remounts can be done at anytime. We have a huge archive selection! For sports enthusiasts, we offer medallions engraveable with their favorite sport number! Discs and medals make great graduation gifts!

Store Hours: M,T, W, F - 9am - 5pm Thurs - 9am - 6pm Saturday - 9am - 1pm Sunday - Closed

Wedding Bands crafted with new metals including (but not limited to) Titanium, Royal Steel, Zirconium, Black Zirconium, Back Ceramic, Royal Cobalt, Tungsten, Carbide, Exotic wood, Mokume and Camoflauge inlay!


March 21, 2012

Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... prearrange a funeral --IT MAY BE A GIFT TO THOSE YOU LOVE It was Ben Franklin who said nothing is certain but death and taxes. This article does not deal with taxes, but rather the other certainty in life. Everyone dies, so a discussion of funeral planning is never irrelevant. When someone we love dies, there are varying stages of anger, confusion and numbness. The funeral is one of the most significant means we have of dealing with grief. The funeral ritual helps us focus our emotions and brings a sense of meaning to death. It confirms the reality of death and provides a catalyst for mourners to talking about the deceased. Experts tell us being able to talk about the life of a deceased loved one is one of the first steps toward accepting death. PREARRANGING YOUR FUNERAL Prearranging your funeral is not much different than any other planning you have carried out during your lifetime. You buy insurance in case of fire, flood, theft or death. These coverages are purchased as an act of love and responsibility for those you love in case an unfortunate incident occurs. A pre-planned funeral accomplishes the same goals. A pre-planned funeral can prevent your family members from having to make a number of significant decisions at a time when they are confused and upset. They will have enough on their minds dealing with grief without having to make several important decisions in a very short

period of time. Experts tell us that there are an average of 50 decisions to be made when arranging a funeral. Adding to the need for pre-planning is the fact that our lifestyle is more complex in today’s world. Family members often live in different states, complicating rapid decision making. Further complications stem from frustrations that occur when dealing with government agencies in different states. A solid pre-planning session can prevent these complications which can loom very large during a time of pain and sorrow. HOW TO PLAN A call to a funeral director is a good beginning in making sure you have covered all your bases in your planning. He or she can lead you through a process to ensure you don’t forget vital information in your plan. Some funeral directors offer free booklets that provide a “punch list” of topics to think through and record your wishes. Topics in these guides include funeral details ranging from visitation to the memorial service and alternatives from burial, cremation or entombment. These are obvious decisions, but other important topics include categories that will provide a helping hand to your family. Additional topics include organizations to be notified with phone numbers, persons to be notified, medical history, estate information, banking information, real estate holdings and insurance policies. Many include obituary information outlines, person-

al property inventories and special instruction and information pages. There may also be information regarding the importance of your will and how to go about ensuring it is accurate and updated. PREFUNDING YOUR FUNERAL Prefunding your funeral also is an important consideration. Your funeral director can show you options which will waive your family from possible financial burden later. You may take out a life insurance policy which would cover funeral expenses, or invest in a funeral trust account or final expense insurance policy. In most cases, funds invested today would be enough to cover the total cost of the funeral since interest earned by the funds will offset the effect of inflation. Government regulations safeguard your investment so funds will always be available for use. Another important part in your plan is to make sure your loved ones know where your recorded wishes can be


found. Millions of dollars in government and insurance death benefits go unclaimed because family members do not know where to find information they need at the time of death. Some considerations that also need to remain in the forefront of the pre-planning agenda: • Social Security: When a loved one dies, dependents and survivors may be eligible for certain benefits such as death payments, survivor’s benefits and Medicare. Qualifications depend on several factors such as age, marital status, number of dependents and whether employment was under Social Security. Your Social Security account should be verified periodically to ensure contributions are posted. All benefits must be applied for since payments are not automatic. • Veterans Benefits: Honorably-discharged veterans are entitled to benefits that may affect decisions about funeral arrangements. For example, veterans may qualify for a cemetery plot and burial allowances, a

headstone and burial flag, as well as pension for survivors. • Medicaid: There are provisions under Federal Title 19 that allow an individual to shelter funds to serve the family later by providing for funeral arrangements. Since qualifications vary for each of these options, it is best to discuss your situation with your funeral director. IMPORTANT POINTS • The funeral ritual helps us focus our emotions and brings a sense of meaning to death. • A pre-planned funeral can prevent your family members from having to make a number of significant decisions when they are confused and upset. QUESTIONS TO THINK ABOUT • Have you selected a cemetery or memorial location? • Are certain religious customs to be followed? • Are there any special readings, biblical passages or musical selections you prefer to use in the memorial service? • Do you want to name pallbearers?

We are here to take care of your needs whether they are locally, nationally or internationally.

• Compassionate and professional funeral providers


• Modern and spacious facilities for your comfort • Flexibility to provide a personalized and unique memorial Randy Scott Funeral Director

• Affordable pre-planning at your convenience

Hennessey -Aman Funeral Chapel

Logan Memorial Funeral Chapel

310 East East Huron Huron Street Street •• Missouri Missouri Valley Valley 310

215 214 North North 4th 4th Avenue Avenue • • Logan Logan

(712) 642-2745

(712) 644-2929

March 21, 2012


Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... How to understand insurance Fitting Life Insurance Into Your Lifestyle We all know that a healthy lifestyle lowers your risk for health concerns, but it may also lower your insurance premiums. The cost of an individual life insurance policy takes into consideration your age, height, weight, medical history and personal habits. Here’s how these factors could affect your life insurance rates: Age and gender Youth has its advantages and one is lower life insurance rates. It is possible to purchase life insurance later in life however, depending on your age and general health, the cost may be prohibitive. Women also typically get

lower rates because of their longer life expectancies. General health Serious medical conditions, such as cancer, can be a strike against you when purchasing life insurance. However, some medical issues, like asthma or high blood pressure may not affect your rates if being properly treated. Don’t wait until you have a serious illness to apply for life insurance. Weight Obesity is a contributing factor to many health conditions. Because of this connection, many insurers take your body weight into consideration when applying for life insurance.

Family medical history Family history can be a predictor of future medical concerns, but won’t necessarily prohibit you from getting the best rate, especially if you are eligible for preferred rates based on age, gender, weight, and general health. Smoking habits Smokers pay higher premiums for life insurance than non-smokers for obvious reasons. The best way to lower your rates is to quit smoking altogether. Some companies require you to be smoke-free for several years before being eligible for non-smoker rates. Hobbies Thrill-seekers and ex-

treme sports enthusiasts may pay higher premiums as a result of their highrisk pastimes. Some insurance companies consider activities such as mountain climbing, scuba diving, or flying planes to be high risk. You may be able to lower your rates by cutting back on participation or adhering to certain safety guidelines. Keep in mind that all criteria are considered when factoring insurance rates, so one area of concern, such as family history, may not be enough to raise your premiums. Contact your Farm Bureau agent for a no-obligation quote on life insurance options to fit your budget

and your family’s needs. Tips brought to you by Farm Bureau Financial Services. For more information about products and services, call Chad Soma at 712-647-2647. Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC. Farm Bureau Property & Casualty Insurance Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services.

How Much is Enough? If you’re like most Americans, you may have some life insurance coverage. But is some life insurance enough life insurance? Experts recommend coverage equal to 10 times your annual income. 1 If you earn $35,000 a year, your estimated life insurance coverage need is $350,000. That may seem like a lot of money at first, but think of it this way. Your income provides for essentials – home, car(s), food, clothing, healthcare, retirement savings, paying off loans – and nonessentials like entertainment and travel. Consider what would happen if your income suddenly stopped in the case of your unexpected death? How would your family meet these ongoing financial needs? During the emotional struggle your family would face in losing a loved one, the financial strain from the loss of your income

shouldn’t have to add to the stress. Life insurance helps ensure the people you care about will be provided for financially, even if you’re not there to care for them yourself. 2. Determining how much life insurance is enough depends on your unique combination of essentials and luxuries. The Life Insurance Needs calculator on can give you a general sense of your coverage needs, and your Farm Bureau agent can help you select a life insurance policy that fits your specific situation. There are a number of life insurance options available to fit nearly every budget, every schedule and every need – no matter how big or small it may seem. Contact your Farm Bureau agent today to be sure your life insurance coverage is enough life insurance coverage.

1. Life and Health Insurance Foundation,, Life Insurance Reality Check: Do You Have Enough, 2010. 2. Life and Health Insurance Foundation,, Who Needs Life Insurance?, visited June 13, 2011. Tips brought to you by Farm Bureau Financial Services. For more information about products and services, call Chad Soma at 712-647-2647. Securities & services offered through FBL Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/8602904, Member SIPC. Farm Bureau Property & Casualty Insurance Company+*, Western Agricultural Insurance Company+*, Farm Bureau Life Insurance Company+*/West Des Moines, IA. +Affiliates *Company providers of Farm Bureau Financial Services .

Count On Your Local Farm Bureau Agent By: Chad Soma Have you ever felt like you’re the only one who doesn’t understand your health insurance plan? Don’t. Making decisions about health insurance and understanding it can be overwhelming and confusing for everyone. That’s

why you can count on your local Farm Bureau agent to help you make sense of all the jumble and jargon. Your health is one of your most valuable assets. As time goes on, it’s important to take care of yourself so you can keep up your lifestyle. One of the easiest

ways to take care of yourself is to make sure you have quality, reliable health care coverage, and someone who can help you get the most out of your coverage. At Farm Bureau, we’re committed to your community and understand what type of health insurance

you need. We’re here to help you whenever you need it, before and after you purchase a policy. We’ll make sure your health comes first. It’s time to relax and enjoy life. Take the hassle out of health insurance and turn to someone you can count on.

Chad Soma, 712-6472647 Authorized agent for Wellmark Blue Cross and Blue Shield of Iowa, an independent licensee of the Blue Cross and Blue Shield Association. SN12-001

I know health insurance.

{ Here is where you let out a sigh of relief. } Chad L. Soma FARM BUREAU AGENT

503 Walker St, Suite 5 Woodbine, IA 51579 (712) 647-2647

Wellmark Blue Cross and Blue Shield of Iowa is an Independent Licensee of the Blue Cross and Blue Shield Association.

H142IA (11-10) FB-19-P-10


March 21, 2012

Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... choose insurance Insurance agents and brokers can streamline your insurance purchases and become your ally if you run into insurance problems down the road. The terms “agent” and “broker” are often used interchangeably, but is there a difference? Technically, an agent sells insurance from one insurance company, while brokers represent many carriers. An “independent agent” is unaffiliated with any particular insurer and represents a range of companies. GETTING STARTED Do your homework before you set foot inside an insurance agency. First, identify what you want in auto, health, home, life, business and other insurance products. Write it down. This list of features becomes the summary plan that you will give to agents and brokers in exchange for price quotes. When you are in the shopping-around stage, you can go online to get

price quotes and ballpark figures for useful comparative rates. It helps to know what costs you are facing. THE RIGHT AGENCY Look for strong service reputations and seek out testimonials from other satisfied customers. Use any contact you have in the insurance business to find out what agents are considered the most helpful. Ask how long the agency has been in business and what insurers it works with. Longstanding agencies have clout with insurers and they can be your advocate if you face a claims problem. Ask your agent if he or she has knowledge in handling claims and if he or she is allowed to help in settling a claim. Many insurance companies will not let their agent intervene with the adjuster to help the client in a claim settlement. Don’t be shy about asking for references.-

and following up on them. Work with insurers that are financially stable. Rating services such as Standard and Poors and A.M. best rank insurance companies based on financial stability and performance, and good brokers will discuss with you the financial status of the insurers they work with. Often, one agency can handle all of your insurance business. According to the Better Business Bureau, one way to save money is to insure all your automobiles with the same company or agent and to buy your homeowner’s policy or other insurance policies from the same source. Multi-policy discounts are common. Ask about long-term holder discounts. Combining policies also helps to eliminate gaps in coverage. Also, ask what other services the broker offers and at what costs. Alternately, you can shop

around based purely on price comparisons. If you treat insurance just as a commodity brokers might not appreciate it, but you have the right to shop until you are satisfied. However, watch out for low-ball quotes. Often times, needed coverages are eliminated, undisclosed deductibles are found and hidden charges and penalties are assessed for filing a claim. HERE ARE SOME WORDS TO KNOW WHILE SHOPPING FOR INSURANCE •Conditions: Explanations in the policy of your and your agent’s responsibilities. For example, how claims are to be filed and what proofs you must submit with your claim • C o v e r a g e : Description in the policy on specific circumstances in which you can receive benefits. •Deductible: The amount of a loss or claim you must pay before you

can collect. •Premium: The cost of the insurance policy. RATINGS ARE IMPORTANT It is also important to understand the ratings, especially in car insurance. The rating is the process by which the price of your insurance coverage is determined. States are divided into ratings territories. Your insurance agent, in the case of car insurance, bases part of the price of your policy on the claims history of all the drivers it insures in your territory. Often there are discounts related to age and household or marital status. GET SMART According to a recent survey commissioned by the National Association of Insurance Commissioners, 67 percent of Americans feel they have about the right amount of insurance coverage, although only 28 percent say they understand the details of the coverage “very well.” Your state’s department of insurance can provide rate guides for both auto and homeowner’s insurance, which can help consumers shop wisely for the insurance they need. WHAT YOU SHOULD KNOW • Check the financial ratings of insurers. • Shop around. • Low price may or may not be the deciding factor. • Write down what type of insurance features you want. • Remember to fully disclose all needed information so that you do not leave uncovered gaps in your insurance coverage.

4 Licensed Insurance Agents with a combined 106 years of experience.

Makes A Big Difference!

Mark Warner Agent

Susan Gilfillan Agent

Companies We Represent • Allied Group • EMC Companies • 1st Auto & Casualty • Farmers Mutual Hail • 1st Comp • ICAP • IMWCA • Grundy Continental Insurance Companies • Progressive • Western IA Mutual • United Fire & Casualty • IMT

Visit Us Online at

Kelly Craft Agent/Customer Service Rep.

Fred Straight Agent

Kathy Niedermyer Customer Service Rep.

Don’t assume all policies are the same. We represent several insurance companies. We can find a policy tailored for you.


Ph. 644-2456

207 E. 7th St.

For Your Convenience HOURS: Mon., - Friday 7:30 a.m. - 5:30 p.m. Saturday - 9:00 a.m. - Noon

March 21, 2012


Logan Herald-Observer and Woodbine Twiner: How to Guide

How to . . .

... How to chose YOUR Banking Home Most locally owned banks offer the same array of services, from online bill paying to debit and credit cards, at a much lower cost than big banks. Average fees at small banks are substantially lower than at big banks, according to national data. Studies show that small financial institutions also offer, on average, better interest rates on savings and better terms on credit cards and other loans. Small businesses, which create the majority of new jobs, depend heavily on small, local banks for financing. Although small and mid-sized banks control less than one-quarter of all the bank assets, they account for more than half of all small business lending. At local banks, loan approvals and other key decisions are made locally by people who live in the community, have face-to-face relationships with their customers, and understand local needs. Because of this personal knowledge, local financial institutions are often able to approve small business and other loans that big banks would reject. Think about what

is important to you in a banking relationship. Do you want a personal, long term relationship with a bank? A smaller local bank might suit your needs. The fortunes of local banks are intimately tied to the fortunes of their local communities. The more the community prospers, the more the local bank benefits, this is why many local banks are involved in their communities. The primary activity of a small bank is to turn deposits into loans and other productive investments. Meanwhile, big banks devote a sizable share of their resources to generate big profits for the

bank, but provide little economic or scial value for the rest of us. Check out different bank websites. Browse the types of products and services that are offered, and think about what is important to you. Visit the branch where you would

conduct most of your banking business, are the tellers professional and friendly? Are the oficers and / or managers accessible? Talk to the bankers that would be in charge of your accounts. Do they seem genuinely interested in you?

Are they willing and eager to help you succeed? Our bank is locally owned and our employees are your neighbors and friends. We at Community Bank want to do business with you. Stop in or give us a call.

YOUR Community Bank location in Logan. Community Bank has been serving all its customers since 1926.

IN BANKING, BIGGER ISN’T ALWAYS BETTER. BETTER IS BETTER! In good times and in bad, we offer banking solutions to meet your changing needs at every stage.

Ask us about FREE checking today!

Logan 712-644-3256 Member FDIC Member

Dunlap Modale Persia Pisgah Soldier Ute

712-643-5442 712-645-2255 712-488-2425 712-456-2291 712-884-2255 712-885-2275


Logan Herald-Observer and Woodbine Twiner: How to Guide

March 21, 2012

How to . . .

... choose air conditioning HOW DO I CHOOSE AN AIR-CONDITIONING SYSTEM? Selecting a central air conditioner is an important decision, since the air conditioning system is a home’s largest energy user. The right AC system makes a home comfortable and efficient. The wrong one can cause discomfort, humidity and maintenance problems and increase your utility bills. Purchasing an AC unit is one of the largest investments- both at purchase and in operating costs- homeowners can make in their property. As with any major purchase, the more information you have the better decisions you can make. WHAT SHOULD I KNOW BEFORE LOOKING? Making and informed AC equipment choice means: • Selecting a reliable heating, ventilating and air conditioning (HVAC) contractor. • Getting a thorough load calculation completed on your home. • Purchasing an efficient properly sized HVAC system. • Choosing a thermostat that provides comfort and encourages efficient energy use. HOW DO I SELECT AN HVAC CONTRACTOR? When searching for a conscientious, licensed, bonded contractor always contact your regional Better Business Bureau to make sure the contractor you select has a satisfactory rating. The regional office should be listed in the business white pages of your local

telephone directory. The contractor you select should complete a cooling load analysis, and a humidity load analysis and a humidity load analysis. Good contractors will have NATE certification and proper licensing. In addition, the contractor should provide service after the installation and an AC operation manual. WHAT IS A COOLING LOAD ANALYSIS? A cooling load analysis calculates how much heat enters your home in one hour when the outdoor temperature reaches 95 degrees. This analysis ensures that even at 95 degrees your AC capacity will be sufficient to remove the unwanted heat. An incomplete cooling load analysis can cause you to make a poor AC choice. Many contractors simply estimate the cooling load and the size of the equipment you need based only on the square footage of the home. Often this rule-of-thumb approach used one TON of air-conditioning per 500 square feet of floor area. This estimate often results in improper equipment size and improper duct size which can affect the life and efficiency of your comfort system. A reputable contractor will complete a load calculation that also includes a humidity load. If you are replacing a unit, a load analysis should be done by a HVAC contractor to determine if the older unit size is really appropriate. WHAT SHOULD THE CALCULATION CONSIDER? Heat passes through

the walls, roof, windows and doors and is generated by people in the home. The load calculation should consider all of the following heat and humidity factors: • Surface area of the walls, attic, windows and doors • Type and thickness of the insulation in the walls, floor and roof • Type, size, orientation and number of windows • Orientation of house • Permanent exterior siding • Occupant activities • Kitchen, bath and laundry equipment • Ventilation needs • Outdoor air infiltration • People capacity of the home (using two persons per bedroom) Many other factors can increase a home’s humidity. Cooking, extra people in the house, lighting and moisture from the bath, house plants, kitchen or laundry contribute to indoor moisture and increase the home’s cooling load. HOW IS EQUIPMENT SIZED FOR A HOME? Air conditioning equipment is available in many different sizes for different types of homes. The term “size” refers to the combined cooling capacity and dehumidification capacity. A cooling load analysis gives the required size of the AC unit based on the largest expected heat gain of the house. Cooling load and equipment size is expressed by BTUH (British Thermal Units per Hour) or TONS; one TON of AC equals 12,000 BTUH. Ask your

contractor about the SEER rating of the AC equipment. Many contractors simply add 25 to 30 percent to the cooling load analysis to account for humidity. In many homes this shortcut can actually increase humidity levels reaching 30 to 50 percent of the total cooling analysis. In humid areas, it is important to have a cooling load analysis that gives the humidity gain including moisture from outdoor air, cooking, showers and washing. HOW CAN I USE THE ANALYSIS TO SELECT A UNIT? Once the cooling load analysis is completed, the heat and moisture gain should be compared to the heat and

humidity removal capacities of other models on the market. Different models and brands of AC equipment, rated at the same overall capacity, can have varying moisture removal capacities. So check both heat and moisture removal and compare to your contractor’s calculations. WHAT YOU SHOULD KNOW Purchasing an AC unit is one of the largest investments homeowners can make in their property. Contact your regional Better Business Bureau to help you make a decision on an HVAC contractor. Air conditioning equipment is available in many different sizes for different types of homes.

Growing with Harrison County Since 1975

Ronda, Becky, Gerry, Matt, Jake, John, Nick, Kevin

Shop & sheet metal fabricating facility

Office: 420 E. 7th, Logan

24 hour Emergency Service for our customers NATE certified 712-644-3260 or 877-326-2277

Health How-To, March 2012