OTT_How To Guide_052224

HOW-TO GUIDE

Choosing your personal injury attorney

Accidents happen and when they occur, they can turn your everyday world upside down. Having a good personal injury attorney to help you navigate this crisis is crucial for multiple reasons. For example, imagine you were involved in a traffic collision, multiple people, agencies, and companies will be involved. A police officer would have come to the scene to assist, investigate, and generate a Traffic Crash Report. The officer also would provide you with a Motorist Report to complete. As a result of the collision your injury may require an ambulance to transport you to a nearby hospital for treatment. The first several days and weeks following a traffic collision are typically devoted to your medical care and treatment. Your injuries may require multiple different doctors, at multiple different locations, that can last for weeks, months, a year, or longer. Your treating physician may place restrictions on you that prevent you from working. You will receive numerous medical bills. You will receive calls or correspondence from your car insurance, your health insurance, the at fault party’s car insurance, medical providers, and others. You might not be sure you need an attorney, but likely you do.

STATUTE OF LIMITATIONS:

Personal injury claims typically have a statute of limitation, which is a law

that sets the time period a party to a claim has to initiate legal proceedings against another party. Most personal injury claims such as an automobile collision generally have a two-year statute of limitation. However, there are instances where you may be limited to a one-year limitation or an even shorter notice provision requirement. For example, if the at fault driver in the scenario, was intoxicated, and that intoxication came from a local tavern, you have a potential dram shop claim against the tavern in addition to your motor vehicle negligence claim. Dram shop claims generally have a one-year statute of limitation. One year can go by rather quickly while one is treating for injuries, therefore it is always recommended you seek a personal injury attorney as soon as possible.

MAXIMIZING YOUR POTENTIAL RECOVERY:

One of the biggest benefits of enlisting a personal injury attorney as soon as possible is a good personal injury attorney will be able to help you strategize all of your potential recoveries. For example, if the at fault driver was within the course and scope of his employment, the employer can be held responsible. A good personal injury attorney will have the resources and knowledge to properly investigate a claim. For example, if the accident requires a reconstructionist the attorney will have the proper contacts to achieve this. A good personal injury attorney will help you navigate your own automobile insurance policy provisions, the at fault parties’ automobile insurance provisions as well as the provisions provided by your own health insurance. Good personal injury attorneys understand the subrogation rights your auto insurance carrier and health insurance carrier may have and can help you maximize your recovery putting more money in your pocket. Often, when injured people try to handle this by themselves, they make choices that ultimately leave them with less in their pocket. The at fault insurance company is not on your side, and it’s interests are contrary to yours. A good personal injury attorney will help maximize your recovery.

FREE CONSULTATIONS:

A good personal injury attorney typically will not charge a fee for a consultation. Consultations are vital to both the attorney and client in establishing trust and understanding. Both the attorney and client need to be comfortable and confident with each other. A consultation provides an opportunity for both attorney and client to see if each other are a good fit. This consultation is your time to take advantage and ask the attorney questions. Pay attention to the answers the attorney gives you. His answers should be forthright and clear.

KNOW HOW TO IDENTIFY A GOOD PERSONAL INJURY ATTORNEY:

Picking a good attorney is crucial to your outcome. You will want to search for one that is reputable and delivers results. One of the most common and widely used practices in searching for an attorney is by word of mouth referral from a family or friend. Another commonly used avenue is web searching. Check attorney websites in your area. A good attorney will typically highlight their websites with their personal results, pivotal cases, settlements and verdicts achieved.

How to choose a hardscape contractor

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 -

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.

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.

Choosing a credit union

Large banks and financial institutions are often the default choice for many when it comes to deciding where to house our money. They’re convenient and offer a wide variety of services, but they can also seem impersonal.

If your seeking more personal service from a consumer-owned institution, credit unions my be the perfect fit.

Credit unions are cooperatives in the truest sense of the word. They have existed for more than 100 years, springing from the idea that serving a group of unserved or underserved people as a group could prove economically feasible and offer an alternative to traditional banks. Today, they rank among the best micro-finance organizations available to large swaths of the population.

Unlike big banks, which are owned by shareholders or conglomerates, credit unions are typically nonprofit operations owned by their members. Credit unions charge fewer and lower fees than for-profit banks. Ans any dividends go to the members instead of shareholders.

In short, credit unions are a good deal.

They usually offer better interest rates on savings accounts and competitive rates on various loans. You might get a fantastic rate on a student loan, mortgage, auto loan or credit card.

And, like bigger banks, the federal government ensures credit union deposits up to $250,000.

The first step in selecting a credit union is to research those in your community and their membership requirements. Some credit unions are available to employees of specific companies, groups of public service or school employees. But offers extend eligibility to anyone willing to follow their membership requirements. You may be asked to join a food co-op or other organization in order to qualify for membership.

A simple internet search is an excellent starting point. Develop a list of credit unions in your area. Then narrow your possibilities by researching eligibility, services offer and fees charged by each credit union.

Verify the current interest rates on their accounts. If you can’t find the rates online, call and ask them for the percentages

Find out if there are any fees associated with the accounts you want to open. As with traditional savings and loan banks, you might be required to pay a fee if you fall below a minimum balance.

need to use your debit card a certain amount of times each month.

If you are in the market for a specific loan, research to see if the loan is issued by the credit union. Once you have found several credit unions offering that type of loan, compare interest rates and specials to see who has the best deal.

Of course, convenience is something to keep in mind. Check for availability of online services, weekday and weekend hours, where branches and ATMs are located.

You should also understand any fees associated with ATM or debit card usage. If you use ATMs

of credit unions for shared services. It might mean more access to ATMs and other services in case you move or go on vacation. If you have children attending college in other cities, this can be useful. Once you have completed your research, make a list of the advantages and disadvantages of each credit union. You can easily compare them. Upon choosing your credit union, visit the branch so you can understand all of the services. Learn more about the benefits of membership.

Some credit unions belong to a nation network

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 knowledgeable, 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 big-box 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 window and screen repair, key cutting 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. 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.

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.

Visit Debo Ace Hardware located at 1713 4th Street in downtown Peru for all your hardware needs.

How to choose a jeweler

Jewelry becomes part of everyone’s life sooner or later— a wedding band, a watch, earrings or an accent piece — so you’ll want to find a skilled artisan who sells or creates beautiful pieces with their own hands. They repair, clean and adjust items with ease.

So whether you’re seeking to purchase new jewelry or repair of clean an existing pieces, you want to work with a good jeweler.

How do you pick the best jeweler in your area?

Finding someone with excellent skills is the first thing to consider. Quality jewelers offer reasonable pricing and fantastic customer service. Do not make the mistake of basing your decision on cost alone.

They may also offer other products from off-site manufacturers. In general, they are an excellent resource.

Jewelers and watch repair technicians have undergone extensive training and should have certifications to prove it.

They also attend periodic classes to keep current on regulations within the industry. Many jewelers travel to professional shows featuring the latest trends. They maintain their knowledge and understanding of the precious metal and gemstone markets.

Technical expertise isn’t the only aspect to consider. Customers who receive superior service are likely to return for future purchases. You’ll want to work with someone who sees more than dollar signs behind each customer.

Guarantees are essential. It is a fundamental factor in establishing a long-term relationship with the public and a track record of satisfied customers.

Top professionals offer free repair and

unlimited service for the life of the jewelry.

People often regard their jewelry as a kind of financial or sentimental investment for family members. A professional understands the emotional bonds symbolized by a piece of jewelry, and treats it accordingly. Many jewelers are sensitive to the needs of each customer.

A discount store may offer an unbelievable price on a piece of jewelry. If it seems too good to be true, it probably is. Inexpensive prices are often an indicator of lower quality gemstones and metal components with lower purity. When the item breaks, it might be impossible to take it back for a repair or replacement because the seller has moved on. Some dealers focus solely on profit.

Doing business with a jeweler you know and trust will make a big difference when it is time to make a significant investment in a ring, necklace or watch. He or she will make every effort to get you the best possible price without sacrificing quality.

If you have been doing business with the same shop for a long time, you should expect a high level of service. The item should be guaranteed every time.

Anyone can sell jewelry. Malls across America are filled with jewelry stores. But a dedicated professional jeweler doesn’t just sell precious metals or gemstones. He or she brings a keen eye for the beautiful and stunning quality of each piece.

It is true that price is important, but it shouldn’t be your top consideration. You will get better value for your money when you do business with a jeweler you can trust -- now and 20 years from today. High-quality workmanship starts with the jewelry and ends with your satisfaction.

“How To” Protect yourself after sustaining an injury in the workplace

By Alexis Ferracuti

Injuries that occur at work are often immediately accompanied by feelings of concern, thoughts about the future, and worries about financial well-being. Those thoughts, on top of the pain you experience after sustaining an injury, can make it impossible to know what to do next. The goal of this article is to help you become knowledgeable about how to handle the situation without the stress of the pain and those emotions weighing you down.

After any injury, it is imperative that you report the injury to someone in a supervisory setting whether it be a manager, safety personnel, or team lead. The requirement in Illinois is that any injury be reported to your employer within 45 days of the injury’s occurrence. The reporting of the injury can either be verbal or in writing, but an individual should ensure there is a written account of the incident which has been turned into their employer to ensure proof of notice. Once given, the employer should turn the claim over to their insurance carrier. You should immediately seek medical treatment, and that claim information should be readily available at the outset of the claim for bill processing purposes. All medical should always go through the workers’ compensation carrier as it should for the entirety of the claim, barring outside independent medical evaluation opinions which may affect the medical approval of

Call Attorney Alexis Ferracuti at the Law Offices of Peter Ferracuti

your injury.

You are entitled, among other things, to the payment of all reasonably related medical treatment which arises out of and is related to the injury in question. It is important to note that an employer is entitled to what is known as an Independent Medical Evaluation under Section 12 of the Act wherein the employer pays for you to attend an appointment, and pays for your mileage to attend said appoint-

ment, with a physician of their choosing. That physician is not YOUR physician, which is an important distinction, because this physician will not personally give you advice or opinions regarding your medical care. These opinions often become a crucial part of your regular and continuing care.

Throughout the course of the claim, your employer or their insurance representative may hire a surveillance team or individual to follow you to confirm your actions and abidance by restrictions or to verify your injury. It is difficult during an injury, especially if you are home and off work feeling as though you are not contributing in the same way to your family as you are generally accustomed to, to not attempt to do tasks which you might otherwise do in an effort to still feel like you’re contributing to your family’s success, even if completing those tasks results in pain which may set you back a few days. It is imperative to follow your restrictions, listen to your doctor, and be honest and consistent about your pain levels, activity abilities, and difficulties with activities of daily living so that your records and reporting are consistent throughout your claim and at hearing.

*This is not intended to be legal advice. Please always seek the guidance of an attorney who specializes in workers compensation laws in your state to help guide you through this process.*

How to choose a kitchen remodeling company

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.

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.

Bringyourhome

custom cabinetry in a variety of styles, materials, and finishes at our showroom. We have cabinetry for every room in the home.

Nicole Andersen

Amy Davenport

Autumn Kirk

Heather Maze

How to choose a plumber

Nothing spells a kitchen or bathroom crisis like a clogged drain or toilet. Both areas are subject to heavy use and hair, food and other debris can overwhelm capacity.

While most tackle these issues themselves, not all plumbing problems can be solved with a plunger or a drain snake. Clogged or loose pipes can create a major home or business nightmare, so if you’ve exhausted your do-it-yourself options it’s time to bring in a professional plumber.

A competent, experienced plumber will ensure your house or business stays comfortable and sanitary by diagnosing problems and determining the best available fix. Here are some tips to help you find the best plumber.

CHOOSE AHEAD OF TIME

First and foremost, don’t wait until you have a plumbing emergency to start finding a good plumber in your town.

Waiting until you have an urgent need is a common mistake. Emergencies leave you open to dealing with unscrupulous people. There is also a good chance that you will pay too much for their

services.

As soon as you can, begin your search for a plumber to service your home.

ASK FOR RECOMMENDATIONS

Friends and family members may be able to refer you to an excellent professional. Good word-ofmouth recommendations are the best way to find excellent service. Look for people in your local area. Sometimes, plumbers may charge extra if you are not in their designated service region.

SEARCH ONLINE

Consider looking online for a good plumber. Just remember that information on the internet is not always correct. Be mindful of who is giving a stellar customer review. Look closely for complaints about shoddy work or high prices. Dissatisfied customers are more likely to talk about their experiences. Of course, one person’s bad experience may not accurately reflect what you can expect. Look for multiple reports from different sources before drawing a conclusion.

COMPARE PRICES

Cost should always play a role in picking a plumber. Contact at least three different plumbers to get an idea of the differences in labor and material costs. They should be able to provide you with estimates for different services.

It is vital that you find a professional who knows what he is doing. Whatever you save up front could turn into extra expenses down the road if the work isn’t done correctly.

ASK QUESTIONS

Asking questions is the best way to form expectations. Not only should you understand labor rates, but you should also know if there are any guarantees on work. Find out how long the plumber has been in business and where he received his training.

The bottom line is that you need to hire someone who cares about their customers and their homes. Conducting a thorough search before an emergency will prevent you from being disappointed.

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.

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.

You might also be held liable if someone gets sick

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 “fillin” 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

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.

What is a commercial cleaning company?

A commercial cleaning company is the general term for a company that provides cleaning services for businesses such as offices, shops, factories, restaurants, etc. They generally perform cleaning services after hours to avoid interruption to business operations.

However, some settings require daytime cleaning as well, such as the common areas of high traffic buildings. Standard cleaning tasks can include trash and recycling, dusting, restroom cleaning, kitchen/breakroom cleaning, vacuuming, mopping, and similar tasks. More advanced services can include commercial carpet cleaning, machine floor cleaning, and window cleaning services. A full-service commercial cleaning company can build custom cleaning programs for end-to-end facility requirements.

Points to consider when hiring a commercial cleaning company.

If you run an active business, it is unlikely you will have time to add cleaning to your list of tasks. Your staff will be employed for a specific purpose; therefore, they may not consider cleaning to be part of their job. Also, it may be more productive and make more financial sense to have your staff spending their time doing their professional job. A commercial cleaner will arrive at your business premises when contracted to do so and will carry out all the jobs in their contract.

1. REPUTATION AND

EXPERIENCE

Trust is necessary when hiring a business facility cleaner. Cleaning company employees will be in your facility, often after hours, and after you and your employees have gone home for the day. Thus, your cleaning company is responsible for working diligently and in a professional manner with minimal direct supervision.

How can you gauge a cleaning company’s trustworthiness? These evaluating baselines can help:

• Years of Experience: Choose a company that is well-established in your service area and with years of experience.

• Industries Serviced: Investigate the types of industries, buildings, and settings the cleaning company has experience servicing.

• References: The most reputable cleaning com-

panies will be happy to share references!

2.

EMPLOYEE TRAINING AND SCREENING

The best commercial property cleaners view hiring as a critical responsibility. They hire only the most qualified and trustworthy employees, and they provide their staff with formal and consistent training to ensure quality and safety.

3. CLEANING EQUIPMENT

The vast majority of businesses will have a broom, maybe a few dusters and some polish but if you employ a cleaning company they will arrive with everything they need to carry out their work.

4. INSURANCE

A good commercial cleaning company will be insured to use their own equipment and to work on your premises.

5. RELIABILITY

A commercial cleaning company will have many

trained cleaners, therefore will be able to complete your regular cleaning contract even during holiday periods and staff illness. If you leave this task to your own staff, it is likely to get put to the bottom of the list of tasks when you are short-staffed during holiday periods or at busy times.

6. BUSINESS PREMISES CLEANLINESS

Maintaining a clean place of work is important for many reasons. If your business is customer facing, it must always be clean and fresh , or it is unlikely that customers will return. Your staff also needs to work in a clean environment. Not only are they likely to work harder, but they are also less likely to be ill if they are in a clean and tidy office environment.

7. CERTIFIED IN COVID-19

CLEANING

Be sure to choose a commercial cleaning company that is certified and experienced in COVID-19 cleaning. This will help to ensure that your facility and staff are safe and healthy.

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.

What to look for when buying windows

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.

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 to examine in our showroom, and the product expertise to assure your total satisfaction. Please visit us soon!

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 to choose a paint store

Painting your home is among the bigger home-improvement jobs you’ll confront, but it’s also a perfect money-saving do-it-yourself project. It’s easy to make mistakes by jumping in without considering all your options and the proper materials to use.

If you have little or no experience painting, working with a good paint store can be a major help. Not only can a knowledgeable paint store help you pick the right type of paint and applicators for your project, they’ll be able to keep you abreast of the latest paint technology and trends. In addition, they’ll be able to mix paint to get that color just right for your project.

Here is what you’re looking for in a quality paint store.

SELECTION

There’s an enormous variety of paint colors. Latex paints are available in a wide range of finishes. They are also available in different grades. Cheaper paint may be thinner, messier and harder to apply than its thicker, premium competitor. Most paints today are labeled as a paint and primer in one, but there are still times you would want to use a separate primer. For example, on bare drywall, bare wood and bare metal. Also, if you’re trying to cover up a stain such as a water stain or stains made from nicotine. If a primer is not used, these stains could bleed through latex paint even if it’s labeled as a paint and primer in one.

A good paint store will have far more than just one line of products. At Debo Ace Hardware, we carry Benjamin Moore, Clark+Kensington and Royal premium paint brands. We also stock paint designed for concrete floors and paints that will reduce mold growth.

It may seem overwhelming, but more choices will give you better results and hold up over time. Knowing your specific priorities and considerations will help guide you toward the right paint for your project.

ADVICE

Even the most experienced housepainters sometimes need guidance. So don’t be shy about asking for advice.

At Debo Ace Hardware, we’re happy to provide painting pointers. Not only do we sell qual-

ity products, we also have staff who are ready to offer suggestions and recommendations for your particular situation. Most are very knowledgeable about their products.

They should also offer tips on how to apply the paint. You can spend money on high-end paint products, but applying them incorrectly will give you terrible results.

The paint store you choose should be able to offer you expert advice on all aspects of your project, from product selection to prep work and clean-up.

DESIGN

With so many color and style selections, a good paint store can offer design advice for get-

ting the look you want.

When it comes to paint, there are endless possibilities, and the best paint store staff will help you navigate through the selections. They will know the latest style trends and offer recommendations for color palettes that work well together. If you bring them a fabric swatch, they should be able to create a duplicate color in paint.

Choosing the right paints and accessories takes experience and, quite often, some trial and error. Be certain to get prices for mixing sample colors up front. Don’t be afraid to put small quantities of these sample colors on your walls to test out your design. Once you’ve selected the right colors, go back to the store to purchase larger quantities of the paints to complete your project.

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.

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.

R. Tieman, RFC

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 carpet cleaner

Ask any homeowner what they like least about their carpeting and they’ll quickly reply, “Keeping it clean.”

While carpeting has advantages, keeping it plush, soft, clean and looking and smelling good is paramount to making sure it lasts as long as possible. Regular cleaning will help your carpet maintain its beauty and texture. But it’s also a tedious and difficult job that many don’t want to approach themselves.

That’s when you may want to enlist the help of a professional.

A good carpet cleaning company will be able to remove spots and stains. These companies can even often revive an older carpet by using special equipment and processes.

Here are some things to keep in mind when selecting a carpet cleaner.

PROFESSIONAL STAFF

A carpet-cleaning company should have a professional appearance and demeanor. There are few regulations on cleaning businesses, so the professionalism of each company can vary widely.

Keep in mind, you will be bringing these cleaners into your home, so ask the company pertinent questions and make sure you are comfortable with their staff and process before hiring them.

Proof of their insurance coverage is a must. If the company doesn’t have insurance, you’ll be responsible for injuries or damage that occur while they work on your property.

You should also check whether the company subcontracts services to other providers, and get to know them as well. Talk to them about their background and any special certifications they have in their industry.

CLEANING PROCESS

Processes for cleaning carpets vary. A good cleaning can be achieved using solutions, minimal moisture and heavy-duty equipment.

Learn about the company’s process and understand why they prefer one process over another. Verify that the solutions are safe and nontoxic if you have children or pets. Also be sure to check that they are not using anything that would be harmful if you have certain allergies to cleaning products.

Another consideration is how long it will take

the carpet to be dry enough to walk on. If you need a quick cleaning, a dry solution can shorten the dry time considerably.

HAPPY CUSTOMERS

References from previous customers can be a big help in choosing a good cleaning company. People are usually happy to tell you when they’ve received good services. They’ll also usually let you know if you’re in for a disappointment.

Your social network is a great place to ask about carpet cleaning companies. If they have found a great service, ask for the contact information and get a quote for your own home.

You can search online for information about what to expect. Look at review websites to see what customers have said about each business. Of course, maintain a level of skepticism about anything you read. Even the best cleaners can leave

a customer dissatisfied, so one person’s rant isn’t necessarily a reflection of what you could expect. If possible, contact the Better Business Bureau to see whether there have been any complaints filed about a business and how they were resolved.

PROTECTION POLICIES

As with any service, you should ask your carpet cleaning company about their service guarantees. If they miss stains and spots will they return?

How about if they somehow damage your carpet or leave your home with a lingering chemical odor? If the prospective cleaning company gives a guarantee, it’s a good indication of sound business practices. So find a company with warranties and a spotless reputation, and you’ll know you have found a good carpet cleaner.

JTS Pools has been bringing fun to homes for 34 years

How to choose a pool or spa

JTS Pools has been bringing fun to homes the past 34 years with stores in Ottawa, Peru and Bradley.

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.

Swimming pools, high-quality Baquacil and Poolife pool chemicals, spas, darts, billiards supplies and more are all available and at very affordable prices.

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

JTS Pools offers a completely chlorine, bromine and salt-free pool sanitizing system called Oxygen Pools. Spa Marvel is a unique enzyme system that reduces the sanitizer in your spa. Water balance is easier to control and your spa only requires once a year water changes.

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.

JTS Pools offers two great lines of American made spas. Both are high-quality acrylic spas with Garden Leisure built in Tennessee, and Aspen Spas made in St. Louis. JTS Pools is committed to Made in USA with our Wilbar Embassy above-ground pools made here. JTS Pools is proud to offer Radiant Pools made in New York. These pools are totally free and insulated which means they keep water warm. And Radiant Pools come with lifetime warranty as well. When you invest in your home, you should invest your hard-earned money in great products. JTS Pools is here to help. Visit us in our three store locations or anytime online at JTSPools.com or on Facebook.

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

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.

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.

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

Enhance Your Lifestyle

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?

Left to Right: Tony Lopez; Darryl Lopez, President; Corey Haynes; Dustin Lopez; Brady Lawrence; and Jim Matthews, CEO.

Left to Right: Tony Lopez; Darryl Lopez, President; Corey Haynes; Dustin Lopez; Brady Lawrence; and Jim Matthews, CEO.