BCR_How To Guide_053123

Choosing a pest control company

TYPES OF TREATMENTS

Narrow your list further by contacting the companies directly. Ask them what kind of chemicals they use when treating a residence. Powders, sprays and other forms vary dramatically in effectiveness as well as toxicity.

If you have children or pets, this issue is an urgent concern. Many treatments are toxic to people and animals. Poisoned bait, for instance, is a method that homeowners with children or pets should avoid.

Companies should have solutions for these situations. Some companies offer environmentally friendly, non-toxic alternatives, such as naturally based compounds that will not harm children or pets. These treatments might include citrus-based agents and trap-based rodent control.

RESEARCH

Prior to contacting anyone, educate yourself about common pests in your area. Check to see if these pests are on your property. You might find evidence such as droppings or other indications that they are in your yard or home.

Look on the internet to discover which solutions are used to control these pests. Some cities or communities have laws regarding pesticide appellations. There might be regulations concerning licensing and insurance for pest control companies.

Now, contact the service providers for more detailed information about prices, processes and other information. You should call at least two different businesses so you can compare services.

Cockroaches, bugs, termites. These and other insect infestations can cause nightmares for homeowners. Pests can ruin the serenity of your home or place of business and cause damage. And an untreated infestation can quickly become unmanageable. If it involves termites, it could even threaten the structure of your home.

If the problem hasn’t spread, you may be able to contain and eradicate these pets on your own. But if you’re dealing with an infestation you just can’t seem to stop, it’s probably time to call in the help of a professional.

The right pest company will handle the problem quickly. Here are some tips to help you search for a company in your area.

A LIST OF COMPANIES

Your first step is to make a list of companies in your area that provide services you need. Check out companies online or who advertise of your local newspaper.

You may also ask friends, family and businesses in the area who they use to keep pests away.

Next, research each company’s background. Look at customer service reviews.

Shorten the list of possible providers and then contact the Better Business Bureau by phone or email. Ask if the companies have any complaints filed against them. You might also note if the bureau has granted accreditation to any companies.

The company you choose should do a free, full inspection of the property before providing services. Accompany the workers as they check your property — both inside and outside.

Listen to their sales pitch and ask questions. Reliable, reputable business should always answer your questions honestly.

Finally, trust your instincts. If the workers seem inexperienced or you don’t trust their information, look elsewhere.

A quality pest control company will not only help you with your current situation, it will also prevent future flare-ups. You can take comfort knowing that this is one problem someone else has under control.

What to look for when buying

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-

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 the the experts at Maze Lumber in Peru. Pictured is Joe Salz, over 30 years in building material sales.

How

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

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.

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 understand local building codes and laws.

If you’re planning a new outdoor space, an addition or significant remodeling project for your home, you’re going to want to enlist the help of a professional hardscape contractor.

These contracting specialists have deep experience and knowledge in creating the materials and processes that will help bring your vision to life.

Because these projects can significantly alter the appearance of your home, it’s important to hire the best hardscape contractor you can find.

You also need to be confident about your plans. Know in detail what you want to change. Look through home improvement magazines to find designs you like.

When choosing the right hardscape contractor, there are a few things you’ll want to keep in mind. First, find out more about the contractor’s background.

Look for experience in all designs, as they will likely do the best job.

In addition to having the right knowledge and background, the right contractors will have suggestions on how to use the space most effectively. With their experience, most contractors have likely seen many successes and failures. So listen to your contractor’s suggestions.

Find a flexible contractor who is also willing to listen to your ideas and suggestions. He may have to change his process to fit your needs. You should feel comfortable asking questions. Ultimately, it is your property. You will have to live with the results once it is finished.

You will want to check that the contractor is precise in his work. Small details that are incorrect can have a terrible effect on the completed project. For example, walls should be measured precise -

Before hiring a contractor, check with the Better Business Bureau. Have there been any complaints against the company? If so, how were they resolved?

Once you have hired a hardscape contractor, periodically check in with the project manager about the progress of the job. It will let him know that you care about how the work is completed. It will guarantee the work is on-schedule and it will meet your expectations.

The bottom line is that you need to find a hardscape contractor who makes you feel completely comfortable. Since he is working on something that will permanently alter your home, you want to be sure the work is done to meet your specifications.

Rich 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 time. If you have the imagination, it’s easy to add interesting and whimsical touches to your backyard walkway design.

How to choose a plumber and electrician

The plumbing and wiring that work behind the scenes to make your home function comfortably are often complex — especially in modern homes — so if you lack the expertise to fix or make repairs, you’ll need to call in the professionals.

The best plumbers and electricians are highly skilled and experienced. They can identify common and hidden issues that can keep your home running smoothly and save you money.

If you have electrical or plumbing problems to address in your home, here are a few things to consider in locating a professional who can handle the job right.

REPUTATION

When it comes to electrical and plumbing professionals, reputation is everything.

Ask people in your social network for experiences they’ve had with companies in the past. They will tell you whom they recommend — and whom to avoid.

Real estate agents in your area will likely know plumbers and electricians who are doing good work in your area. After all, they have to hire them for work at properties they have listed.

Contact a builder or contractor in your area to see if he or she recommends someone. Many plumbers or electricians work on new constructions projects. Contractors can steer you toward high-quality professionals.

QUALIFICATIONS

Only work with qualified professionals. This means asking for your plumber or electrician’s license number and verifying that his license is valid in your state.

Inquire about his background and experience. What kind of training and experience does he have? How long has he been in business? Avoid people who aren’t upfront about their qualifications.

Be sure to inquire in a polite, friendly way. Most of these tradespeople are honest and hardworking.

WARRANTY

Plumbers and electricians typically provide a warranty of their work. Understand the terms of these guarantees and refer to them if problems arise. These professionals take great pride in their work. They will usually honor guarantees because

their reputations are at stake.

PRICE

Cost is always a consideration for everyone. Making a hiring decision based on an hourly rate, however, is simply not a good idea. The cheapest person is not necessarily the most qualified for the job.

Plumbers and electricians must receive training and education before they can call themselves professional. The hourly rate you pay for these qualified professionals is worth every penny.

INSURANCE

Insurance is essential. Your plumber or electri-

cian must carry workers’ compensation insurance. If your plumber or electrician doesn’t have this coverage, you will be liable in the event an accident happens while he is working in your home.

Contact his insurance company to make sure his policy is in force. It might sound intrusive, but you need to protect your financial well-being. On the other hand, conduct this research quietly in order to maintain a good relationship with the plumber or electrician.

Building a respectful, solid relationship with a plumber or electrician should be a priority. After all, you never know when a pipe might break in the middle of the night.

Finding the right bank

Ask any homeowner what they like least about theThe 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.

INTEREST RATES

Banks want to be competitive. One way they entice new customers is by offering competitive 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

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.

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

STABILITY

It is very important to consider a bank’s stability. 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

Most banks are also insured by the Federal Deposit Insurance Corporationber 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.

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

How to choose a kitchen remodeling company

and not simply to eat. It’s often the prime entertain ing 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.

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.

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.

Nicole Andersen, Maze Designer Heather Maze, Maze Designer

Maze Lumber is proud to offer customized design layouts with 3-D capability. We offer in-home measuring to create the room you want with the personalized style you desire. Whether you’re remodeling or building a new home, experience the benefits of working with qualified designers when purchasing cabinets, countertops, and decorative hardware from us.

How to choose a fencing company

If you’re thinking about building a fence at your home, start by getting in touch with a quality fencing specialist. Although building a fence around your property can be a DIY project, some underestimate the time and difficulty involved.

Choosing a fencing company to complete your project will ensure it is built on time and on budget. An experienced contractor will take into account obstructions, the grade of your lot and cover the many types of materials and styles available, and other factors.

Here’s what you should look for in finding a quality fencing company:

EXPERIENCE

The first thing you should do when talking with a potential fence installer is ask about their background. While the length of time they have been in business is certainly a factor, so is the breadth of their experience in the industry.

In other words, you want to make sure their background matches the job you have in mind.

Another related factor is how well the fencing company knows your local market. Most cities have strict regulations that govern the materials, dimensions and locations of where fences are allowed to be installed. A good fencing contractor will have done plenty of jobs in your area and will be familiar with the restrictions and permitting process for your city, if one is required.

Local knowledge can also lead to a better result in the end. The specific soil and climate in many locations can impact what types of fencing work best and how they need to be installed. The depth of posts, for example, can be an important factor in areas where the soil “moves” a lot with the seasons.

INSURANCE

As with any contractor who will be working on your property, it’s important to ask what type of insurance coverage the fencing company carries. Typical homeowner’s insurance policies don’t cover injuries that occur to contractors working on your home. The fencing company should carry their own liability policy to protect you from any accidents that might happen while constructing the fence on your property.

QUALITY OF WORK

The most important thing to consider is the

quality of work you can expect to get.

You can judge some of this on your own by looking for examples of their work in your area — particularly fences that are several years old so you can see how they hold up after receiving a lot of wear and weathering.

Ask the company for testimonials and the addresses of some fences that you can see and check out in person. Seeing their work with your own eyes will tell you a lot about what you can expect from them on your own property.

Also make sure you ask about what kind of warranty coverage their fences come with. Some companies that make the materials, such as vinyl fences, will cover those materials for a lifetime if they are installed correctly. And the people who install your fence should be able to provide a guarantee of their work for a certain period of time, too.

REPAIRS

Finally, make sure you understand the process for undertaking any repairs that might be required on your fence. If you’ve already got an older fence in place, you should be able to get a quote for repairing it or replacing a portion of it, depending on your budget.

And if you’re having a new fence installed, get a clear understanding of how any repairs or ad -

justments will be handled going forward. It’s not uncommon for gates to need a little adjustment, for example, as they settle and are exposed to the elements in the coming months, and good fencing companies will do those little repairs for free if they’re needed for a certain period of time.

In the end, you should choose a fencing company that makes you feel comfortable as a homeowner. The best ones will have lots of positive recommendations and good-looking examples of their work all over town. Shop around for the company that has the best reputation in your area and provides top-notch customer service.

Every time you enjoy the privacy and beauty of your new fence, you’ll be glad you did.

Call your local fencing experts Illinois Valley Fence and Pool. They offer quality materials and professional installation for lasting results.

How to choose farm insurance

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.

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

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.

How to choose a financial advisor

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.

How to choose a fast food restaurant

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.

How to choose a funeral home

The circumstances are never easy and may be emotionally crippling. Facing the death of a loved one requires planning that may be difficult. But there are ways to make this difficult decision a little bit easier on you and your family.

People often select a funeral home because it’s nearby or has been recommended by someone they trust. But by limiting the search to just one funeral home, you may risk paying more than necessary for the funeral and any additional goods or services offered.

Here are some tips to help make choosing the right funeral home less stressful.

COMPARE PRICES

If you have had to make funeral arrangements in the past, you may be tempted to just go with the funeral home you have experience with. While this may be a smart option for some people, it’s not always the right option.

Depending on how long it’s been since you needed to make funeral arrangements for a loved one, the price of that particular funeral home may have gone up. That’s why it is wise to shop around and

compare the prices of the various funeral homes in your community.

ASK FOR RECOMMENDATIONS

Even if you have never had to choose a funeral home in the past, you may have a friend or two who has. Ask these friends if they would recommend the services provided at the funeral homes they have used.

They may be able to share valuable information about the staff, facility and prices of a specific funeral home.

ASK ABOUT PACKAGES

Whether your deceased loved one had a specific list for their final wishes or you have to make these decisions for yourself, it is important that you ask a potential funeral home what types of packages they offer.

You will find that not all funeral homes are created equal, and each offers their own different ways of handling a service. No matter what type of requirements you have, it is best to choose a funeral home that will cater to your specific needs

in order to make this difficult situation a little less daunting.

CARING STAFF

When visiting a potential funeral home, the funeral director can be a major deciding factor when you choose whether or not to use this particular company to handle the funeral of your loved one.

A caring and professional funeral director and staff will take the time to explain all your options in an empathetic way so you can make a better choice when choosing a funeral home.

If the director seems short or uninterested in your needs or makes you feel like you and your deceased loved one aren’t important, you won’t want to choose this facility to handle the funeral of your loved one.

While dealing with the death of a loved one is hard, choosing the right funeral home can help relieve you of some stress.

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

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

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.

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.

How to choose an HVAC company

Your heating and air conditioning system is a vital component of your home. Whether you’re investing a new system to replace an aging unit or repairing your existing system, creating a relationship with a professional HVAC company can save you money and headaches — and keep you warm and cool.

The best HVAC contractors are helpful and reliable, but a poor contractor can cost you extra money and heartache.

Good word of mouth will go a long way toward helping you find the best professionals in your area.

Create a list of candidates and call the Better Business Bureau, your state’s board of contractors or the builders’ association to check on their reputations. Your town’s building inspection office may also have information for you. Avoid companies who have many complaints on their record.

Upon narrowing the list, call the remaining ones and ask about pricing, guarantees and warranties. Also inquire about how long it would take to complete a job and the manufacturers’ brands they use.

If you are purchasing new equipment, find out if you need a separate service contractor or if routine maintenance and repairs are included in the price of installation. Does the company provide aroundthe-clock emergency service?

High quality HVAC companies are fully licensed, bonded and insured. If a worker is injured or causes damage to your property, that insurance should cover it. Otherwise, you could be liable for the damages. Your insurance premiums would likely increase as a result.

Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include the American Society of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, and the American Society of Heating, Refrigeration and Air-Conditioning Engineers. Membership in one of these organizations is not automatic. Applicants are required to have certain certifications, meet professional standards and meet or exceed other requirements before they are admitted.

Before any work begins, verify that all the required building permits are in place. Most companies will file permits on your behalf at the local building codes office. But don’t assume that it has happened. Check with the permitting office first.

Work done without proper permits could result in a fine and time delay.

Have a load calculation done before installing a new system in any building. The best companies perform a thorough calculation rather than estimate. Buildings change over time due to foundations cracking or settling. It will affect the efficiency of any equipment.

The HVAC company shouldn’t use the old unit to determine the proper size of a new one. If your

old unit was inadequate, you will want to install a unit that is a different size. Speak with your HVAC installer to determine the right size and model for you.

Ask your HVAC contractor to perform annual checkups to verify that the unit is running at peak efficiency.

With these tips, you can choose a reliable HVAC business that will help you for years to come.

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:

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.

How to choose a monument

A monument honoring the life and accomplishments of a loved one is a lasting tribute to the deceased’s contributions to their own life and that of others. Some purchase them ahead of their own deaths.

But whether for yourself or another, purchasing a monument is an investment in money and deep reflection. Monuments come in all shapes, sizes and price points, so options for unique monuments to honor any personality are near endless.

To find the perfect monument for your loved one, you first need to pick an excellent monument maker. Here’s some guidance.

Selection

The best monument companies have a wide selection of stones and styles. Most of them display headstones onsite so you can view the products firsthand. It is much easier to see them in person than trying to make a choice through a catalog.

Most headstones consist of granite because of its beauty and durability. This stone comes in different colors and textures. Each piece of granite is unique.

You also have a choice of finishes. There are

different polishing, sandblasting and carving styles. Some companies will show you computer simulations while others will have examples on display.

Even when your budget is tight, look at headstones in a variety of price points. It will help you understand what your money will buy. It will also help you compare the differences.

KNOWLEDGE

High-quality monument companies employ people with extensive knowledge about products and techniques.

It is essential you choose a headstone that will withstand the elements. The materials, carvings and decorations will factor into the longevity of the monument.

Inquire about the durability of natural stones and the depth of the lettering. If the carvings are not deep enough, the letters will wear away quickly, making the headstone undecipherable.

SERVICE

Choose a company that has been in business for many years. They should have stellar customer service and an impeccable track record.

Do not tolerate high-pressure sales tactics. After all, you are purchasing a headstone honoring the life of a love one. Every customer should be treated with patience and respect.

CUSTOMIZATION

Many people are happy with a traditional headstone, but you have the option of including symbols, quotes and other elements.

Look for a company offering designs and layouts that will reflect an individual’s personality and interests. You can honor religious beliefs, clubs, achievements or careers. It is a nice way to detail a person’s life achievements.

If you have something truly unique in mind, simply ask the salesperson. Most companies will cater to your request or refer you to someone who can help you.

OTHER SERVICES

Monument companies also offer a variety of other services, such as decorating landscapes or memorials for various sites.

They might also help you repair a headstone.