BCR_How to Guide_052822

HOW-TO GUIDE WHAT’S INSIDE? All You Need To Know... choosing a tree service, hardscape contractor, kitchen and bath design, mental health service, bank, farm insurance and much much more!

Saturday, May 28, 2022

Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

HOW TO GUIDE

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Selecting the right mortgage lender Obtaining a mortgage can be a stressful process, especially for first-time homebuyers. You’ll need expert guidance to walk you through the process, so it’s crucial to choose the right mortgage lender.

You’ll learn a great deal in your initial few meetings with a mortgage lender. Lenders with excellent customer service can make things go smoothly for years to come. But if your lender is only concerned with his or her bottom line or making extra money on selling loan products, use caution.

Good mortgage professionals are knowledgeable about their loan products.

They are willing to spend as much time as possible to explain them to you.

They take pride in guiding you through what could be a confusing process.

They keep your best interests and financial priorities in mind.

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

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

PURCHASER’S RIGHTS

The mountain of forms, declarations and even financial terminology can be daunting to inexperienced homebuyers. It is always smart to exercise care during the home-buying process. Understand what you are signing and any obligations you are assuming.

A signature is a permanent commitment. Some buyers may have a very short time to back out. Otherwise, they are liable for what is in the document.

Even if you back out during that short period, you will likely forfeit deposits because you broke the deal. You might also owe an additional amount based on the total of the initial mortgage payment.

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

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

COMMUNICATION

The best mortgage lenders will focus on understanding your long-range financial goals.

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

LOCAL LENDERS

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

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

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See Rachel Balestri in our Peru branch for your mortgage and lending needs.

PERSONAL REFERRALS

Ask your friends and family about their experience with mortgage lenders.

They may be comfortable recommending the same professionals they used for their home loans.

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

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Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

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How to choose a hardware store Choosing a hardware store doesn’t always mean a big-box chain outlet. While a quality hardware store will stock all the pieces, parts and products you need for most home-improvement projects, a knowledgable, friendly staff that can offer help and advice is equally as important. Reliable customer service is also one of the factors that will help you choose between a local hardware store and a bigbox retailer.

Here’s some factors to consider when choosing a local hardware store.

Consider smaller projects you have successfully completed and visit a few local stores. Ask the staff at each store for their input on the best way to complete the task you have in mind. Progress to a more complicated project and ask for advice again.

Note which employees provided the most helpful answers.

During your visits, look around various departments. Determine which store has the best high-quality tools you might need in the future.

Make a note of additional services, such as equipment rentals, classes and referrals to area

professionals. After all, if you can’t handle a complex project, they might be able to point you in the direction of someone who can.

Pricing is another aspect to consider. A store with the lowest prices isn’t necessarily the best.

They might be cutting corners. On the other hand, if you know a lot about lumber and are interested in purchasing fencing for your backyard, the cheapest store might be best. The most expensive store in town might be best if you are purchasing lumber to make a piece of furniture. Always consider quality as well as price.

If you are still undecided, then let customer service be your guide. For hardware and home improvement stores, customer service will help you when you most need it.

Good customer service starts as soon as you enter the establishment. If you are warmly welcomed, this is a step in the right direction.

High employee turnover is not a good sign. It is best to establish a working relationship with people in your hardware store. It is difficult to do that if you are greeted by a different person every

ACE IS THE PLACE!

time you enter.

Understaffing is another problem in hardware stores. If it is difficult to locate someone, or salespeople are always surrounded by customers, you will not receive a high level of service. You might consider looking elsewhere.

Other signs of poor customer service include long checkout lines, out-of-stock products or a cluttered and dingy store. If you feel treated like a criminal because you had to return something, then find another store that treats you better.

Convenience will also have an impact. Hours of operation, driving distance and parking will figure into your decision. If it takes a lot of effort to make a purchase, you should find another store.

The right hardware store will have what you need when you need it. They will stock tools and sell them at a reasonable price. A knowledgeable and friendly staff will have answers if you need them. When you find that store, you can complete your projects with confidence and feel less stressed when it comes time to take on projects.

Lawn & Garden Neighborhood Hardware 525 N. Main Street, Princeton IL • 815-879-2791 Plumbing Paint Monday thru Saturday 7:00am - 6:00pm, Sunday 8:30am - 5:00pm Electrical Outdoor Living ACE RENTAL / SCREEN WINDOW REPAIR Hardware Sign Up For Our ACE REWARDS CARD! Tools Cleaning Supplies Ask Our sales associates or visit acehardware.com

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How to choose kitchen and bath design Trends in home design come and go, but the basic look of modern kitchens and baths tends to remain consistent, with some variations to complement the style of the home. Granite or quartz countertops, stainless steel and hardwood floors retain their popularity.

Any builder or real estate agent will tell you that upgraded, stylish kitchens and bathrooms are the most in-demand areas of a home to remodel for your own comfort and pleasure or to sell your home.

Kitchen and bath remodeling can improve your home’s value and increase its charm. This is especially true if your current kitchen and baths are dated and showing their age. And while remodeling can be costly, these are areas where you don’t want to cut corners. After all, you use your kitchen and bath every day you are in your home.

If it’s time for some updates in your home, here are some things to consider with regard to kitchen and bath remodeling.

FUNCTION

Functionality is paramount. What exactly will you be doing in this room? Do you eat in your kitchen, or in a dining room? Some people get dressed in their bathroom, while others put on clothing in their bedrooms.

Make a list of all the activities you perform in the room. Prioritize this list from most important to the least.

Upon finishing this list, figure out the items you need to store in your bathroom or kitchen. Do you really need to have the washer and dryer near your kitchen or bathroom? Can you create a closet in your bathroom?

Next, create a floor plan. Think about your traffic pattern as you complete tasks. When you are tired from a hard day, you will be glad you thought ahead.

Some people use their kitchen to entertain guests. If that is your preference, include it in your floor plan. You might want to add a bar or table for entertaining.

Everyone wishes that they had more storage space, so be sure to build it into your design.

DÉCOR

Look for inspiration. Leaf through home design magazines to find appealing designs. Make notes on what you like most about each design scheme.

Also consider watching home design shows or

Why have thousands of homeowners come to SITK since 1989 for their kitchen and bath projects? It’s pretty simple - wonderful design help, amazing showroom ideas, and competitive pricing. looking on the internet. You can often find the most up-to-date information from those sources.

If you are redecorating to sell your home, keep in mind what future homeowners may enjoy. In the kitchen, consider using stainless steel appliances.

They usually are easy to clean.

Neutral flooring is always a good option. These floor coverings consist of sustainable, low-maintenance material. They are a good choice for any kitchen or bathroom.

Neutral paint may open up opportunities for a variety of decorating options. It could make it easier to change the decor in the future. If you sell your home, it allows potential buyers to visualize their own preferences in that space.

Of course, any room you design must be coordinated with the design of other rooms in your home.

If your house has a contemporary, modern or traditional design, you will want the kitchen and bath to blend with that decor.

Experts suggest that you spend most of your money on countertops. It is often a focal point in any room.

Small accent pieces can also help boost your design. Pick unique pieces that display your personality.

BUDGET

Remodeling can be expensive. Experts recommend you spend up to 20 percent of your home’s value on remodeling the kitchen, and less than that on remodeling the bath.

You can save money by adding a coat of fresh paint to your current kitchen cabinets or installing energy efficient appliances. Leave some room in your budget to hire a professional to do electrical and plumbing work, along with other chores you are uncomfortable with doing yourself. It will save you money in the long run.

Browse our Princeton showroom for Kitchen & Bath ideas... Or call for a free appointment with one of our designers!

info@somekitchen.com 815.879.0604 somekitchen.com 1619 N Main • Princeton, IL SM-PR1983114

5 HOW TO GUIDE Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

How to choose a deli Choosing A Deli can be difficult and frustrating at times. You want to make a choice with the finest Meats and Cheese Selection, freshest Salads, breads, and sandwiches. We are telling you it does not have to be frustrating, it can be a pleasant and relaxing experience.

The deli at our local Sullivans Food store may

125 Backbone Road East, Princeton, IL

815-879-7351 www.sullivanfoods.net

be the best kept secret in town! The deli offers fresh salads, meats, cheeses, and some of the best fried chicken around! They also offer a “hot” food bar daily, where you can find a great selection of fresh meats and veggies availabe for your lunch or dinner.

The deli also has full service catering for all of

your special events. From Weddings, Anniversaries, Parties, Reunions, Graduations, or Holiday parties, you can choose entire meals by the person or yourfavorite items by the pound for your next event. You can stop by the deli, or give them a call at 815-879-7351. We look forward to helping you plan your special event.

Let Us Help with Your Next Event or Party!

• Meat Trays • Veggie Trays • Fruit Trays • Homemade Salads

Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

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How to choose a tree service Trimming or removing trees from your property is difficult work, not something you’d want to attempt yourself. Making sure your trees are healthy while avoiding property damage requires emptying a professional tree service.

Follow these tips to find a qualified, professional tree service in your area: Ask friends, family and neighbors. You may know someone who has used a tree service in the past. They can tell you who does the best work.

Also, check newspaper, phone and Internet listings.

Contact at least three tree services. Inform them of the situation and request a site inspection.

It gives you the opportunity to ask about issues and get a feel for the experience and expertise of each company. Take notes so you can compare your results afterward.

Find out how long each company has been in business, their experiences, references and whether they are licensed and insured. Check

with the Better Business Bureau for outstanding complaints. Even reliable companies may have a few problems. It is how they resolve the issue that counts.

Request estimates. These figures can vary widely. Some companies are better equipped for certain jobs, so they can offer more competitive pricing.

Other companies are slow or may be trying to “fill-in” appointment slots with smaller jobs just to keep their crews busy. Don’t choose a company strictly by cost. Tree work is dangerous. Proper equipment, well-trained employees and insurance create high operating costs. It is worth paying more for peace of mind and excellent service.

Look at a copy of their insurance policy. Coverage should include personal liability, property damage coverage, workers’ compensation and damaged vehicles or home coverage.

Inspect their previous work by looking at their portfolio. Each tree service company has a work style. Verify that it suits your needs. Photos of past

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work might also be on their website.

Get a detailed written estimate of any work to be performed before signing a contract. Responsible companies will provide detailed descriptions, along with the time and cost for your records.

This estimate should also offer information about cleanup expectations. Are logs to be cut up or left for firewood? Will the company haul everything away or leave it for you to manage? Will leaves and twigs be raked up or run through a chipper? If they are removing an entire tree, what will happen to the stump?

Verify the workers wear property safety gear.

They should be wearing helmets at all times. In addition, they should use face shields or protective glasses and steel-toe boots. The person who climbs the tree should have arborist climbing ropes, specialized safety and climbing gear, the proper saddle, helmet and safety glasses. If you find they aren’t wearing safety gear, contact the company to discuss the matter.

Find Out Why Clients Have Trusted Our Family Over 45 Years!

Nicole Andersen Families spend a lot of time in their kitchens — and not simply to eat. It’s often the prime entertaining and gathering space. An outdated kitchen can make cooking and gathering less fun for friends and family, and make cooking a chore rather than an exciting experience.

Kitchen remodeling is the No. 1 project for many homeowners, but many delay it because the process can seem so expensive and daunting. But hiring an experienced, qualified contractor can spare kitchen nightmares and bring your design dreams to life.

Here’s some factors to consider when hiring a kitchen remodeling company.

Contacting kitchen remodeling companies in your community to get a rough idea about cost and scope of the project you have in mind is a good place to start. Your local home improvement store might have information for licensed contractors in the area.

Once you have compiled a list of professionals, ask them for quotes. They will likely have to visit your home to look at the room. Estimates should be based on the total work that needs to be done.

Amy Davenport

Autumn Kirk

If you find someone who hesitates to give you a quote in writing, cross them off your list and look for someone who is more forthcoming.

Sometimes, remodeling requires work from a sub-contractor. It is difficult to know at the beginning whether sub-contractors will be necessary.

Chances are, if you receive similar information from several different professionals, you can trust the advice.

Another aspect of any estimate will be time. Ask each contractor about the time it will take to complete the project. All professionals should be able to finish the project in roughly the same amount of time. If there are any contractors that vary greatly from the average time frame, you should ask them why they differ so greatly.

After narrowing down your list, check each individual’s or company’s references to ensure their reputation. Speak directly to anyone who has hired them for previous work. Inquire about the quality and dependability of the workers.

If anyone is unable to provide you with references or contact information, you might want to reconsider using them.

Bring your

Heather Maze Once you have decided on a licensed contractor or kitchen remodeling company, ask to view the contract. This document should specify any task involved in the project, including its cost and time for completion.

Before signing, request proof of the individual or company’s licensure. Be sure that they have current accident insurance coverage. If they do not, you might be liable for any accidents that occur on your property.

When sub-contractors are used, they should be under the umbrella of the head contracting company. If not, separate written contracts may be necessary. Review each sub-contractor just as you would the head contractor: check references, licensure and insurance coverage.

Choosing the people who will remodel your kitchen is an important decision. Finding someone who will stay within a budget and complete the job in a timely manner will go a long way toward giving you satisfaction with the end result.

home to life.

Get custom cabinetry in a variety of styles, materials, and finishes at our showroom.

We have cabinetry for every room in the home.

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WATER STREET, PERU | 815-223-1742

HOW TO GUIDE Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

How to choose a kitchen remodeling company

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Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

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Finding the right bank The array of financial institutions vying for your business is broader than ever. With the rise of internet banking, visiting a brick-and-mortar branch is no longer absolutely necessary. Still others prefer to bank in person.

Beyond a physical presence, some choose to combine all their accounts at one bank; others spread their finances around at specific institutions for savings, credit and investment to get the best deals and rates.

Which sort of bank you choose — a “name” institution, credit union or the new-money, internet bank — reflects your financial needs and how you wish to deposit and manage your hard-earned pay.

No matter where or how you access your money, choosing the right bank to serve your needs still requires close scrutiny.

Here are a few things to consider.

LOCATION - LOCATION - LOCATION: Central Illinois Bank has full-service branches in Andover, Ashton, Fulton, Geneseo and Geneseo Financial Center, Oregon, Peru, Princeton and Rochelle.

INTEREST RATES

Banks want to be competitive. One way they entice new customers is by offering handsome interest rates. It’s not uncommon for savings account interest rates to vary widely, but the majority of institutions make adjustments according to changes in the federal funds rate.

If you think interest rates are inconsequential, you’re wrong. When substantial deposit amounts are involved, the difference a few percentage points on an interest rate makes can be significant. Use online resources and shop around for the best rates in your area.

FEES

Banks are also notorious for charging fees for certain transactions. A checking account may only allow a certain number of checks to be written each month before a fee is assessed, or maybe a minimum balance is required to keep the account active.

Some banks offer free checking. But you should make sure that the free checking is really free.

There may be stipulations such as being required to keep a minimum balance in the account at all times.

Look at a fee schedule to determine if it is acceptable to you.

CONVENIENCE

Banks with multiple locations in convenient areas are important.

If you travel frequently, make sure your local or regional financial institution is a member of a national network. Some banks offer free ATM fees at another bank’s ATM. Also, ask about their online banking policies.

Is the bank’s website easy to navigate and secure?

Online banking can be a great way to pay bills and transfer money between accounts.

OVERDRAFT SAFEGUARDS

We all make mistakes. Accidental overdrafts happen occasionally. Each financial institution has a different policy about these matters.

Many banks offer overdraft coverage in the form of a high-interest credit line. Other banks charge fees each time an overdraft occurs.

Other banks provide no coverage. Be sure to research overdraft policies before making a final decision.

STABILITY

It is very important to consider a bank’s stabili-

ty. Before you hand money to an institution, check its history and financial condition.

Banks usually invest deposited funds under a fractional reserve banking system. Any bank with a strong balance sheet should be able to weather any turbulence caused by market corrections.

Most banks are also insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. This can vary depending on the type and number of accounts held by a customer.

If you understand these safeguards, your money will be safe in a bank. But failures are still possible. Still, a solid bank will limit exposure to toxic assets that put its balance sheet at risk.

SERVICES

Most banks offer a variety of services. Whether you need to get a loan or open a checking account, choose a bank that fulfills your needs with the fewest fees. It should offer the maximum conveniences possible.

Careful and vigilant shoppers will have positive experiences by making an effort to choose a trustworthy commercial bank.

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Working with a professional financial advisor could be the best investment you’ll ever make. The best planners can help you meet your financial goals now and in the future, bringing into play an experienced, objective perspective to advise you on how best to save, invest and spend your money. They can also suggest avenues of money management that hadn’t occurred to you, help lower your taxes and guide you through uncertain financial times.

To find a reliable financial advisor, start by asking your social network. Friends and family may have some suggestions.

Research online for advisors in your area. Your local newspaper will likely have advertisements for local advisors. Remember to research each advisor with an eye toward your own situation and goals.

Once you have a list of three or four possibilities; look closer at each choice. It might be a good idea to pick a financial advisor who is a certified financial planner. A certified financial planner has passed rigorous exams in order to obtain a certificate.

Once you have discovered each advisor’s qualifications, contact the certifying organizations to find out if there have been any complaints against each professional. If so, find out how the complaints were resolved.

You can request a list of satisfied clients who have goals comparable to yours. Contact them to talk about their experiences.

AREAS OF EXPERTISE

Financial products can contribute to your well-being and peace of mind. Some common investing tools include bonds, mutual funds, stocks and commodities.

Weighing risk is essential. Some products will undoubtedly be better for your portfolio than others.

An experienced financial advisor can customize a portfolio especially for you.

You can also do some research to find a segment of the market that might be a good fit for your situation. Then look for an advisor who specializes in that investment. For example, if you want to invest in commodities, your potential advisor should have some experience in that market.

RATE OF SUCCESS

Success rates will also play a prominent role in your decision. Look at the rate of success for each

advisor. Has the rate of return on his recommendations outpaced the average market rate of return over time? An advisor with a solid rate of return conducts research to strengthen his clients’ portfolios.

During tough or stagnant economic times, experience will play a vital role. Has your advisor weathered previous economic slowdowns? Do clients thrive in bleak environments? Or have clients taken multiple hits to their portfolios?

You should be wary if clients appear to be doing too good during tough times. Someone with an extraordinary success rate might be too good to be true.

FEES OR COMMISSIONS

Inquire about how your advisor is paid for services. Most offer fee-based or commission-based services. It will greatly influence your selection.

A commission-based advisor is prone to suggesting financial products that offer a professional commission. It could needlessly increase your exposure to risk. Only use a commission-based advisor if he or she has a proven track record of success and also has your best interest in mind.

When you need someone who puts your best interests first, go with a fee-based advisor. He or she will be compensated only for the time spent on serving your portfolio.

INTERVIEW

Once you have narrowed your prospects to two or three possibilities, schedule a meeting with each professional. During this consultation, communicate your goals honestly and clearly. A financial planner should be someone who will guide and inform you. He or she will continually increase your knowledge about your current financial situation and how to improve it.

PUT IT IN WRITING

Once you have narrowed your list to one or two advisors; ask each to write a plan for moving you from where you are to where you want to be. Get a written copy of this proposal.

This document should have your short-term and long-term goals, and also state who else will profit from the proposal.

This plan should be written clearly so you completely understand it.

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Visit us online at kbelliot.com Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. KB Elliott Financial Advisors is not affiliated with Kestra IS or Kestra AS. Investor Disclosures: http://bit.ly/KF-Disclosures.

HOW TO GUIDE Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

How to choose a financial advisor

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How to choose a mental health service Mental health illnesses are real, common, and often treatable. An estimated 1 in 5 American adults and children live will a diagnosable mental health illness in a given year, according to Mental Health America.

Where to find help depends on certain factors like age and the type of illness or symptoms experienced, but help is available. Here are some things to keep in mind when searching for mental health treatment:

Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

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FLEXIBILITY

Everyone is different, and needs vary from person to person depending on the diagnosis. One of your first considerations is to look for a treatment center that does not offer a one-size-fits-all approach to healing.

The best facilities provide a wide variety of treatment options and will tailor their services to fit each unique situation. Whether you need short-term outpatient care such as one-on-one counseling or incentive inpatient care, the ideal treatment center will customize each plan of care.

MULTIMODAL TREATMENT APPROACH

When people think of psychiatry, they often imagine one-on-one sessions with the patient laying on a couch. In reality, mental health care often involves a multidisciplinary approach. Psychiatrists and psychologists are just one option. Other behavioral and wellness professionals often assist in treatment.

There are medical professionals like nurses and licensed therapists, along with social workers, case managers, and peer support staff. It all depends on the diagnosis, the patients’ needs, and the desired outcome. A good treatment center will utilize a team of professionals who can work on a patient’s health from multiple angles.

ONGOING SERVICES

A reputable treatment center will have a strong aftercare program. They will recommend a course of continuing care to keep the patient on track with their recovery. Patients can ease into daily life while still receiving continuing care.

The mental health center should be able to arrange for ongoing services, such as outpatient care, support groups, or peer support to ensure as smooth a transition as possible once the initial, intense stages of treatment are completed.

Emotional Health, Wellness & Addictions Services (815) 224-1610 www.ncbhs.org LaSalle Ottawa Canton Macomb Princeton Streator Lacon Kewanee

When you’re on the go and don’t have time for a sit-down meal, most turn to fast food. It’s fast, satisfying and economical. And today, there are more options beyond the basic burgers, chicken and tacos catering to an expanded variety of tastes.

But how much do you trust the food and preparation itself? That’s been the subject of more than a few investigative reports, books and documentaries extending back decades.

On any given day, you can step into a fast food restaurant and eat a hamburger with confidence.

But that wasn’t always the case.

Muckraker and novelist Upton Sinclair wrote an expose on how hamburgers were produced in a 1906 series alerting the public that reforms needed to happen in the food industry.

Yet during this time, businessman Walt Anderson from Wichita, Kansas, wanted to open a hamburger stand in a converted streetcar. His stand would be located in the center of town. He convinced Billy Ingram, a salesman, to invest in the idea.

Anderson finally opened his stand in 1916. This businessman was an innovator, who believed in making quality burgers that were safe and tasty.

His ideas were so successful that fast food restaurants still follow them today.

Anderson made his hamburgers tiny, with five holes in the middle. He also standardized the process. Each hamburger was cooked the same way each time. As his business grew, he hired others to cook. They used the same method to make the hamburgers.

Consumers could verify that the burgers were being made safely because they watched their food being prepared and cooked. This process convinced the public that the product was safe to eat. Anderson told his customers that the five holes helped the meat cook properly.

The businessman marked his product by giving away samples and handing out coupons.

His marketing slogan? “Buy ‘em by the sack.”

All of his restaurants looked the same, with white interiors, to stress the safety and cleanliness of his operation, eventually known as White Castle — the world’s first fast-food chain.

People wanted to buy his restaurants, but Anderson and Ingram refused to sell them. Even though Anderson sold his share in the early 1930s,

Ingram’s descendants still own the chain.

These days, you can still use these same ideas when choosing a fast food restaurant. So what should you look for when picking a restaurant?

Look for a unique product. Whether it is fried chicken made with a special recipe or a hamburger with five holes in it, the food should not be bland.

Second, the food should be the same each time you visit. It doesn’t matter who is preparing it. You have the right to expect your food to look and taste the same each time you purchase it.

You can breathe easy when you see the product being prepared. Watching your hamburger as it is being made will put your mind at ease. It will also

increase the safety of the food. Health department ratings should be on the wall and easy to view.

Good restaurants will still entice customers with free samples and coupons. They may offer reduced prices during a certain time of day.

Even though you probably won’t be able to get into the kitchen, talk to the staff about safety measures. They should feel very comfortable talking about how the food is prepared.

The owners of the restaurant should have their names prominently displayed. If a problem occurs, then you can speak to them directly.

Fast food doesn’t have to taste “fast.” Find the one that meets your taste buds, budget and safety.

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How to choose a hardscape contractor ly or there could be structural problems. If something is out of place, it could prove dangerous.

Inexperienced contractors may rush through their jobs. It is important the craftsman take his time while working.

During your initial meetings with contractors, ask them about insurance. Professionals will carry injury and potential property damage policies.

Their insurance will protect you in the event something happens while they are working on your property. You could be held liable if the contractor has no insurance and an accident occurred on your property.

Make certain that the contractor’s staff is fully certified.

When building large, permanent structures such as patios and porches, special training is necessary. All staff should unRich Vollmer, owner of Pavers and More in Ottawa, shows off the paver display created years ago by his son who was a teenager at the derstand local building codes time. If you have the imagination, it’s easy to add interesting and whimsical touches to your backyard walkway design. and laws.

If you’re planning a new outdoor space, an adLook for experience in all designs, as they will Before hiring a contractor, dition or significant remodeling project for your likely do the best job. check with the Better Business Bureau. Have there home, you’re going to want to enlist the help of a In addition to having the right knowledge and been any complaints against the company? If so, professional hardscape contractor. background, the right contractors will have sughow were they resolved?

These contracting specialists have deep experi- gestions on how to use the space most effectively.

Once you have hired a hardscape contractor, peence and knowledge in creating the materials and With their experience, most contractors have processes that will help bring your vision to life. likely seen many successes and failures. So listen riodically check in with the project manager about Because these projects can significantly alter to your contractor’s suggestions. the progress of the job. It will let him know that the appearance of your home, it’s important to hire Find a flexible contractor who is also willing to you care about how the work is completed. It will the best hardscape contractor you can find. listen to your ideas and suggestions. He may have You also need to be confident about your plans. to change his process to fit your needs. You should guarantee the work is on-schedule and it will meet Know in detail what you want to change. Look feel comfortable asking questions. Ultimately, it your expectations. through home improvement magazines to find de- is your property. You will have to live with the reThe bottom line is that you need to find a hardsigns you like. sults once it is finished. scape contractor who makes you feel completely When choosing the right hardscape contractor, You will want to check that the contractor is there are a few things you’ll want to keep in mind. precise in his work. Small details that are incorrect comfortable. Since he is working on something that First, find out more about the contractor’s back- can have a terrible effect on the completed project. will permanently alter your home, you want to be ground.

For example, walls should be measured precise- sure the work is done to meet your specifications.

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Windows take a lot of abuse from the weather, so ensuring you have the strongest glass that deflects the effects of storms, cold and heat is a solid investment in your comfort and protection that will also save you money.

But most people want their windows to also reflect a certain style. Window glass and frames come in a large variety of styles to complement any decor, but choosing the right windows to satisfy each of these requirements requires some research.

If you’re ready to invest in new windows, here are a few topics you need to understand.

GLAZING

The actual glass in a window is called glazing.

Many homes and older buildings have a single pane of glass within each frame. It is a traditional style; however, it is not energy-efficient.

Double-glazed windows are the popular option.

There are two panes of glass in a frame. The gap between the panes acts as a layer of insulation.

It improves the window’s ability to maintain the building’s temperature.

Sometimes, newer structures have triple-glazed windows. They are more expensive, but they also provide additional insulation benefits.

R-VALUES

R-values measure the amount of heat a window loses through its glass panes. Higher R-values mean more energy efficiency. An R-value of three is very desirable.

U-VALUES

U-values tell you the level at which a window conducts heat. The lower the U-value, the better.

People who live in wintery climates should choose replacement windows with strong R-value and U-value ratings to conserve energy.

LOW-E

Low-emissive, or low-e windows, are the latest innovations in the energy-efficiency mark.

Low-e glass traps heat by placing a thin metallic coating on the appropriate window pane. Indoor radiant heat is reflected back inside, cutting the burden on a building’s heating system. If you live in a cold climate, install a low-e window as a complement to low U-value components.

People who live in sunnier, warmer climates can also take advantage of low-e windows. The summer’s higher levels of infrared rays are reflect-

Planning a window project? Talk the the experts at Maze Lumber in Peru. Pictured is Joe Salz, over 30 years in building material sales. ed back outside, keeping the interior of the house cooler.

UV FACTORS

Blocking UV rays will spare your carpets and furniture from sun damage. That’s why a window with high ultra-violent blockage is recommended, especially for people who live in warm climates.

CASEMENT WINDOWS

When energy efficiency is a key concern, casement windows are the best choice. This simple high-and-crank design lowers air seepage. When the wind pushes against the glass, the seal becomes tight and reduces leakage.

Casement windows are hinged on the sides.

When the windows have top hinges, they are called awning windows. Hoppers are bottom-hinged windows.

Hinged windows must be maintained, as the seal erodes over time. When left unchecked, the erosion can make the window less energy efficient.

Other Factors Large differences between interior and exterior temperatures create meddlesome condensation on glass. Always choose a window appropriate for

your climate.

Window placement is another factor when building a new structure. Consider the building’s position and location as they relate to the sun. Windows facing the south let in more heat than north-facing windows. Properly placed, a window can increase a structure’s passive solar efficiency.

Extreme temperatures cause frames and seals to deteriorate more quickly. Windows using warmair technology and adequate spacers reduce temperature fluctuations, placing less strain on seals and framing.

Before beginning any improvement project to your home or business, understand the building codes in your area. You may need a permit to do a major window-replacement project. If you don’t have the required paperwork in order, you might have to pay a fine and remove the work that’s already been done and start over.

Knowing basic terminology and concepts before you shop for windows will save you time and money in the long run. It is really less complicated than it looks.

Planning A Window Project?

Talk to the Maze experts!

They can explain to you the many features and benefits of the Marvin Window line. If it’s new construction or replacement, we have displays Along Peru’s Historic Riverfront 1100 Water Street • 815.223.1742

to examine in our showroom, and the product expertise to assure your total satisfaction.

Please visit us soon!

JOE SALZ OUTSIDE SALES

www.mazelumber.com

OPEN MON-FRI 7:30-4:30 | SAT 8:00-NOON

HOW TO GUIDE Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

What to look for when buying windows

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How to choose a lawn care service Keeping your lawn trim, healthy and attractive is the goal of every homeowner. But even those who enjoy mowing, trimming and weeding can find the routine maintenance involved time-consuming and wearying.

Hiring a professional lawn care service can give you back that time and, in exchange for some of your “green,” bring a new level of care to your land.

Here are a few things to keep in mind when enlisting the help of a professional lawn service:

DECIDE WHAT YOU WANT

What is it that you need? Simple grass cutting?

Planting and flower bed care? Pest control?

Understanding the different duties that each company offers is key. Sometimes a lawn care professional will offer quotes for mowing but will not have the option to maintain any shrubs or small trees. Make sure you know what you need and what you’ll be getting.

PHILOSOPHY AND METHODS

Some chemicals are eco-friendly and others are not, so if environmental issues are a central concern, find a company to keep your yard green with green practices.

A good way of testing a company is to see their methods of preparation. If they test your soil before recommending a fertilization plan, they’re serious and methodical about their work.

Another deciding factor could be consultation fees. Requesting a free estimate of service costs will benefit you in the long run. Beware of organizations that offer annual pricing without seeing the size of your yard.

RECOMMENDATIONS

The people you interact with every day can help you make the best use of your money by recommending proficient lawn care services.

People who live near you will also be acquainted with the services provided by various professionals in your area. They can recommend a service based on what you need.

METHOD OF PAYMENT

There are a variety of ways to compensate your lawn care provider. Some companies will utilize a verbal agreement that can be canceled by either

party at any time while others will require a yearly contract.

Understanding what will happen if there is an early cancellation or change in terms halfway through your contract is important. Accomplishing these steps will save you from a headache down the line.

ANNUAL FEES OR PAY-PER-TREATMENT?

Most lawn care providers will offer two methods of payment. The cost-effective option will vary depending on the size and needs of your lawn.

For the majority of providers, an annual contract will save you money in the long run. But compare the prices between one-time treatments and long-term agreements to know for sure.

CREDENTIALS

The Better Business Bureau (BBB) is here for

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HOW TO GUIDE

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We Provide Plant+Health Care

consumer benefit.

Luckily, you have the opportunity to check the record of any local business with your local BBB in order to assure yourself that your lawn will be treated with care. The best lawn care companies will have a clean record with the BBB.

ARE THEY FLEXIBLE?

Last on our list is flexibility. If an organization cannot make adjustments to their routine based on your needs, do they deserve your business?

If you want to exterminate the bulk of your weeds, will the company skip the pre-emergent crabgrass herbicide and utilize post-emergent removal treatment?

The journey to finding a reliable lawn care provider should not be hard. Thankfully, there are many extraordinary businesses right around the corner if you shop carefully.

Find Out Why Clients Have Trusted Our Family Over 45 Years!

The insurance needs of every home and property are different. So it makes sense that farms, too, have unique insurance requirements.

If you run a farm, you need specialized insurance to protect your investments in equipment, buildings, livestock and crops.

Many farmers are well schooled in their understanding of planting schedules and farm equipment, but aren’t experts on the complicated workings of insurance coverage.

A sound insurance policy can make the difference in whether their business lives or dies in the event of an accident or other catastrophe.

When you are in the market for farm insurance, here are some things you need to keep in mind.

INCREASED LIABILITY

With the farming industry changing at a rapid pace, you may have more exposure to the prospects of lawsuits and damages.

Contact with the general public, for instance, brings risk. Roadside produce stands, agri-tourism events and even “pick-it-yourself” fields bring a potential for liability if someone is injured or harmed on your property.

You might also be held liable if someone gets sick from eating your crops.

Every farm is different, with various sizes and types of operations. You might need different coverage from other farms. Have a meeting with your insurance agent to talk about your changing needs when it comes to liability coverage. The agent should develop a customized solution specifically for your needs.

KNOW YOUR POLICY

Farm policies are very different from other insurance products. It is important to understand your coverage.

When you meet with your insurance agent, ask the following questions: — If my house is on the farm, does farm insurance cover it for damage?

— What types of damage to my farm equipment does the insurance policy cover?

— Does the policy include all the barns and buildings on the farm?

— How are my livestock covered?

Policies are different. Some may cover livestock, buildings and equipment, while others will provide

coverage from disasters, floods and other harm.

Find an insurance agent who is specially trained to look for risks that exist on farms. You should identify these things and insure against them before they happen. It is better to be prepared rather than feel regret.

FIRM STRENGTH

Make sure you are dealing with an insurance company that has a strong balance sheet and good reputation.

Insurance companies receive ratings based on their finances. A good agent will discuss these ratings with you.

It is equally important to understand the company’s reputation for dealing with claims. Good insurance companies handle farm claims quickly, fairly and professionally. It is always a smart idea to ask other farmers in your area about insurance companies. They may even have some recommendations for you.

Knowing how to protect your farm, equipment and livestock, and getting the right coverage will protect you as well as give you peace of mind.

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Call an agent today!

Visit us online at www.perumutual.com

HOW TO GUIDE Bureau County Republican / ShawLocal.com • Saturday, May 28, 2022

How to choose farm insurance

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HOW TO GUIDE

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How to choose a pool or spa Homes with pools and spas are often the subject of envy, but they are no longer the exclusive privilege of the wealthy. All but the most extravagant models of spas and pool designs are within financial reach of many Americans.

Adding a pool or spa mean you can enjoy the relaxing benefits of water therapy any time you please — by yourself or with your family or guests — without sharing with strangers and the inconvenience of leaving your home.

Whether you’re an avid swimmer or just enjoy relaxing in the water, your specific desires will lead you to choose which best accommodates your needs.

But deciding on which can mean taking into consideration such factors as price, space and maintenance.

SPAS

If you’re worried about the price, you probably shouldn’t be. Home spas have become quite affordable in recent years. As a result, they are also very popular. Installation of a home spa can also be a cinch, with a growing number of plug and play models and even portable ones that you can take with you on vacation.

The home-spa industry has worked hard to incorporate innovations, such as ozonators and aromatherapy fragrances. Spas often found in high-end hotels and resorts are now available for the average consumer. The best spas include hydrotherapy, which will help you heal and repair your body.

Tubs with water jets will massage muscles, improve circulation, relax nerves and ease pain. The water suspends your tired muscles in weightlessness, allowing them to rest. People with chronic back problems often report relief.

Custom spas are also available. You can have it built to meet your specifications. Everyone has a different reason for installing a home spa, and manufacturers are happy to accommodate your requests.

POOLS

At-home swimming pools are another favorite for health-conscious people. These pools are not like your typical in-ground blue bathtub. Natural stone, manmade waterfalls and landscape detailing will make your pool into a private oasis.

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

Above-ground pools are less expensive, but many

Left to Right: Darryl Lopez, VP, Brady Lawrence, Jim Matthews, Owner, Corey Haynes, and Tony Lopez. people prefer the durability and overall look of an in-ground pool. Take time to think about your decision. After all, your pool is a major investment. It will be a part of your home for many years.

Consider the landscaping around your pool.

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

It’s a fact that most people build their dream pool

over a number of years as it fits their budget. You don’t have to do everything at once. Just start with a high-quality installation and a vision of what you want the area to become. You can add more features later.

With so many advances in home spas and swimming pools, combined with their affordability, it makes sense to install one on your property. After all, wouldn’t it be nice to have your own private resort without the hassle of leaving home?

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