OTT_How To Guide_052522

HOW-TO GUIDE WHAT’S INSIDE? All You Need To Know...

choosing a personal injury attorney, tree service, hardscape contractor, kitchen and bath design, jeweler, deli, mental health service, and much much more!

Wednesday, May 25, 2022

THE TIMES

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

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HOW-TO GUIDE INDEX Choosing your personal injury attorney................................................. 3

How to choose a tree service................................................................... 17

How to prepare a great barbecue.............................................................. 4

How to choose a roofer............................................................................ 18

How to choose a fencing company.......................................................... 5

How to choose a mental health service................................................. 19

Choosing a credit union............................................................................ 6

How to choose a hardware store............................................................. 20

How to choose a plumber......................................................................... 7

How to choose a final resting place........................................................ 21

How to choose a pool or spa .................................................................... 8

How to choose a jeweler.......................................................................... 22

What to look for when buying windows................................................. 9

What is a commercial cleaning company?............................................ 23

Choosing a good appliance store............................................................ 10

How to choose a paint store.................................................................... 24

How to choose a financial advisor......................................................... 11

How to choose a hearing aid................................................................... 25

How to choose a deli................................................................................ 12

How to choose an insurance company.................................................. 26

How to choose a kitchen remodeling company................................... 13

How to choose a monument................................................................... 27

How to choose a funeral home............................................................... 14

How to choose farm insurance............................................................... 28

How to choose a hardscape contractor.................................................. 15

How to choose kitchen and bath design................................................ 29

How to choose a carpet cleaner.............................................................. 16

Finding the right bank............................................................................. 30

MAXIMIZING YOUR POTENTIAL RECOVERY:

Timothy B. Cantlin, The Cantlin law firm.

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 colli-

815-433-4712 cantlinlaw.com SM-CL1983039

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.

PERSONAL INJURY, PERSONALLY HANDLED

The Times / ShawLocal.com • Wednesday, May 25, 2022

sion 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.

HOW TO GUIDE

Choosing your personal injury attorney

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The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

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How to prepare a great barbecue Barbecuing and grilling mean different things to different folks in different parts of the country. The terms, some say, are not interchangeable.

Barbecuing, according to many “masters,” requires low and slow smoking. Grilling can be viewed as simply cooking meat over an open flame.

But both types of cooks are united in their love for firing up a grill or stoking wood in a smoker and creating their own culinary masterpieces.

Preparing meats either way can be viewed both as an art and a science and requires some research and much trial and error. But to almost everyone, backyard barbecues are a national pastime.

If you want to produce the perfect barbeque, here are a few pointers to get you started.

THE MEAT

First and foremost, the meat you serve has to be amazing — not just good, but so mouth-watering and delicious that your guests will want to tell all their friends about it.

A big barbecue meal is no time to experiment.

The meats you serve should all be something you’re comfortable and confident preparing for a group, so pick your best recipe and grill or smoke it to perfection.

If you’ve got the skills — and the need to feed a big enough crowd — it’s a good idea to offer a wide variety of meats, from chicken and pork to sausage and ribs. Variety is always nice, as long as you serve the best.

Just remember that the bigger selection of meats you serve, the more hardware you’ll need to cook it and the more planning you’ll need to do to ensure everything is ready and waiting for your guests at the perfect time. Juggling lots of cooking times can be a challenge for all but the most experienced backyard cooks.

THE SIDES

Look for side dishes that won’t overpower the main focus of your barbecue, the meat. That means you should generally stick with the tried-and-true classics like beans, potato salad, cole slaw, corn and hushpuppies.

Light summer salads are a good option for your health-conscious guests, offering some balance to the heavier dishes that typically dominate barbecues. And throwing some veggies onto the grill, such

as asparagus or squash, can be a delicious way to eat healthier.

THE DRINKS

The drinks you pick with a barbecue meal will really set the stage for your guests, so pick them based on the atmosphere you’re looking for.

If you’re throwing a family-friendly party, lemonade and soda are always a hit with kids. Adults may want cold beers for a laid-back get-together or margaritas and cocktails if you want to up the ante.

Another popular trend is looking for a local flavor. Think about going to a unique local brewery or shopping for small-batch craft beers to offer a real

HOME Hardware

variety and more distinct flavor.

DRESS IT UP

Look for ways to dress up the appearance of your barbecue, too. Nice tablecloths can be a good place to start, but it’s also fun to look for interesting serving dishes. Creative shapes and colors for bowls can really elevate the style of your barbecue, taking it from bland to memorable.

In the end, creating a great barbecue is all about showing you care. From your passion about cooking the perfect meats to making each and every guest feel warm and invited, you’ll be creating lasting memories that are about much more than a meal.

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How to choose a fencing company

5

HOW TO GUIDE The Times / ShawLocal.com • Wednesday, May 25, 2022

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

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

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When it comes to choosing the right fence for your property and budget, we have the products, advice and experience to help you make the right decision.

Poly-Vinyl • Western Red Cedar Aluminum • Chain Link SM-CL1983426

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

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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.

Check about other requirements. You might need to use your debit card a certain amount of times each month.

frequently, those charges can add up fast.

Some credit unions belong to a nation network

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.

7

HOW TO GUIDE

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

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

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.

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.

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Plumbing is an essential part of your Bathroom!

The Times / ShawLocal.com • Wednesday, May 25, 2022

How to choose a plumber

How to choose a pool or spa

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

8

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

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

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

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

SPAS

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

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

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

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

POOLS

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

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

Above-ground pools are less expensive, but many

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

Consider the landscaping around your pool.

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

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

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

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

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GLAZING

The actual glass in a window is called glazing.

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

Double-glazed windows are the popular option.

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

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

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

R-VALUES

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

U-VALUES

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

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

LOW-E

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

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

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

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

UV FACTORS

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

CASEMENT WINDOWS

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

Casement windows are hinged on the sides.

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

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

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

your climate.

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

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

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

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

Planning A Window Project?

Talk to the Maze experts!

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

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

Please visit us soon!

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www.mazelumber.com

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

The Times / ShawLocal.com • Wednesday, May 25, 2022

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.

HOW TO GUIDE

What to look for when buying windows

9

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

10

Choosing a good appliance store Buying a big-ticket item such as an appliance is a major investment. You might be lulled into a shopping after seeing advertisements and sales featuring new appliances with all the latest features and technology. Or you may just need to replace an aging appliance on its last legs. Either way, it’s smart to figure out what you really need, how much you can afford and which stores offer the best quality and deals.

Chances are you’ve already done some research or quizzed friends or family about their own experiences with various appliances, but shopping for one can be daunting. But it can also be fun.

These days appliance manufacturers produce items that have every conceivable feature to make your life easier. Exploring these innovations in home appliance technology can be an enjoyable and eye-opening experience.

We’ve put together some tips that can help you narrow your search and find exactly what you need.

But first you’ll have to determine your budget and requirements — what you need, what you want and what you’re willing to pay for it.

Now, it’s time to go shopping.

SHOPPING ONLINE

First, do an internet search for appliance stores in your area. Local stores are easier to work with and you will likely be able to get your appliance much quicker than if you had to go out of the area or order it. If your refrigerator has stopped working, this is especially important. Many appliance stores also offer free delivery in the local area.

You can get a good idea of the services offered by various companies via business review sites. Don’t dismiss negative reviews, but keep in mind that customers who have good experiences are less likely to crow on the internet.

Consumer Reports and the Better Business Bureau are also great resources for finding reputable businesses. To qualify for listing on the Better Business Bureau site, the business must be reliable and honest.

Many stores also have review sections for customers to leave comments, reviews and ratings for the services and the products they sell, which can give you some insight into the business and their products.

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For most of us, getting a good deal is probably a

Meet the Shaw team (left to right): front - Kathy Losey, Clarence Shaw, Ali Chismarick, Patrick Clift, Paul Losey; back - Joe Adamchar, Baily Stipp, Morgan Swartz, Josh Hoerstra. top concern when shopping for appliances. Check your local newspaper and your mailbox for circulars announcing the latest, greatest deals on appliances in your area.

Many stores will use price-matching to stay competitive. Not all stores have policies on price-matching, so be sure to ask first. If you can find a lower advertised price on the exact same product and model elsewhere, many stores will sell you the product for that price.

As always, conduct research on the appliance you need to make sure you are spending money wisely.

Not all appliances are the same; just because one manufacturer was excellent two decades ago doesn’t mean the quality will be the same now.

STORE POLICIES

Review the store’s policies about warranties and repairs. If the appliance comes with a one-year manufacturer’s warranty, you might not need an addi-

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tional warranty from the store.

Appliances have a yearly sale-price cycle. Washers and dryers usually go on sale during the winter.

Refrigerators are often discounted in the spring, with stoves and ovens dropping in price during the fall. If you don’t need it right away, consider shopping seasonally for the best deal.

You could also haggle for a price, especially at a local appliance store. Salespeople are typically prepared for this process. If you are too shy or afraid of haggling, ask the store for extras, such as an extended warranty or free delivery and set-up. It never hurts to ask. They just might give it to you.

Consider these questions when you’re looking for an appliance store: Do they have a delivery window, warranty options, repair services and range of products?

Answer these questions, and know that you’ll purchase appliances with confidence.

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We service what we sell and have multi-generational experience. For all your appliance needs, shop Shaw Appliance where we love our customers.

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AREAS OF EXPERTISE

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

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

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

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

RATE OF SUCCESS

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

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

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

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

FEES OR COMMISSIONS

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

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

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

INTERVIEW

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

PUT IT IN WRITING

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

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

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

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Registered Representative offering securities and advisory services through SagePoint Financial Inc., member FINRA/SIPC. Insurance services offered through PFSB Financial Services. Peru Federal Savings Bank and PFSB Financial Services are not affiliated with SagePoint Financial.

The Times / ShawLocal.com • Wednesday, May 25, 2022

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.

HOW TO GUIDE

How to choose a financial advisor

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

ence. We get the freshest produce brought in 2-3 days a week from our local Chicago Fresh Market.

Our Shelves are being stocked with our freshest products just for our customers to enjoy.

Here at Illinois Valley Food & Deli in La Salle, we are striving for customer service and product excellence. We take your needs very seriously, we take customer requests to get the products you want and deserve at your service, from older brands to current brands, if you request it, we do our best to get it here in store for your convenience.

Our deli is making up fresh meals, fresh broasted chicken, and fresh made sandwiches for lunches to order. All of our salads here are made from scratch, all conducted and monitored by our own in house Manager Chef Andrew. Andrew makes sure all his staff is cleaning and offering samples to each and every customer, to make sure that our customers are completely satisfied before they leave the store.

We bring in the freshest meats and cheeses in our deli and meat department cut to your prefer-

We are currently undergoing many changes and upgrades currently to our store and deli, to be able

to fulfill all of our customers’ needs. We have put in new freezers and coolers, storage coolers and refrigeration units, currently upgrading the Meat Department Cutting Room. We Are installing new registers, we have blacktopped the parking lot, getting new cart corals and new grocery carts, we have also begun the laying of our new flooring. We hope you enjoy all the new changes coming to our small community store.

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

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

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

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

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

Amy Davenport

Autumn Kirk

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

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

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

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

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

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

Bring your

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

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

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

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

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Nicole Andersen

HOW TO GUIDE

How to choose a kitchen remodeling company

13

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.

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

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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.

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ly or there could be structural problems. If something is out of place, it could prove dangerous.

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

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

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

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

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

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

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

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

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

HOW TO GUIDE

How to choose a hardscape contractor

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HOW TO GUIDE

How to choose a carpet cleaner

The Times / ShawLocal.com • Wednesday, May 25, 2022

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.

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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.

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The Times / ShawLocal.com • Wednesday, May 25, 2022

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

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How to choose a tree service

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How to choose a roofer Notice a leak when it rains? Or perhaps you’ve seen a stray tile on the ground near your home.

Stepping back to inspect your roof, you might notice even more damage or erosion.

If even just one of these issues is true — or maybe you just want to update and improve the look of your home — it’s time to hire a professional roofer for your home’s first line of defense against the elements.

Putting a new roof on your home can increase its value. So it is essential that you pick the right contractor to do this job.

Your first step in finding a reliable roofer is to ask your family, friends and neighbors if they have recommendations.

You can also look on the internet for roofing contractors in your area. Some websites offer lists of professionals, along with reviews of their work.

Personal recommendations will give you the best information. Be sure to focus on the quality of work as well as the cleanup process. You don’t want scraps of shingles and nails left over after the contractors have gone home. Don’t hire contractors who leave debris a professional wouldn’t leave the debris behind.

Pick someone with a long track record in your community. Some contractors travel the country looking for work. They appear after a community experiences a natural disaster or heavy storm.

These contractors are making money from the insurance claims. If you hire one of them, they cannot provide realistic guarantees for their work.

After all, they may be on the other side of the country if your roof starts to leak again.

Becoming acquainted with local contractors is especially important if you live in an area prone to high winds or hurricanes. It is good to know who to call if your house needs repair work.

Once you have contact information for several roofing contractors, call them. Inquire about the company’s background and how long they have been in business. Generally, a good roofer should offer a guarantee between five to 12 years. If the company has been in business for less than five years, it will be difficult to determine the quality of their work.

Continue to ask questions about time frames and estimates. You should always get a written estimate before proceeding with any work. Communicating with the contractor will let him know that you will be taking a hands-on approach to this project.

Find out if the roofers recommend standard or architectural shingles, what they will do if they find damaged decking, and when they might be available to start. You should also ask about the warranty and whether you can have it confirmed in writing.

Every professional who works on your property should be licensed and bonded. Insurance is particularly important for roofing contractors.

They should be able to cover any damages they might cause to your property. It is also essential that workers are covered under their insurance as well, in the event someone is injured during the job.

Before work commences, you must receive a written contract from the roofer. Read it over carefully. It will state the type of materials to be used, what the work will entail and the final cost.

Following these tips will help you find the best roofing contractor in your community. You can rest comfortably knowing that you made the right decision.

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FLEXIBILITY

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

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

MULTIMODAL TREATMENT APPROACH

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

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

ONGOING SERVICES

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

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

Emotional Health, Wellness & Addictions Services (815) 224-1610 www.ncbhs.org LaSalle Ottawa Canton Macomb Princeton Streator Lacon Kewanee SM-CL1984570

The Times / ShawLocal.com • Wednesday, May 25, 2022

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:

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How to choose a mental health service

19

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.

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

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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.

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From key cutting to screen repair, propane refills or knife sharpening, we’re ready to serve you.

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1713 4th St Downtown Peru (815) 223-0461

21

HOW TO GUIDE

How to choose a final resting place

Determining your burial options is a highly personal decision that involves more than a cemetery and a headstone. Your final resting place is also designed to keep your memory alive, so considering your religious beliefs, finances and preferences will all play important roles in your choice.

Planning your own funeral and choosing a resting place is also one of the most compassionate and selfless acts you can make and can preserve your legacy for years to come.

So whether you’re pre-planning for yourself or helping a family member with choices, end-oflife decisions will have a lasting impact.

Here are some things to consider when choosing a final resting place.

CEMETERY

Choosing a resting place is similar to buying real estate. Location will play a large part in choosing a cemetery plot or mausoleum.

Your final resting place should have special meaning for you and your loved ones. Ideally, it should be neat, clean and have long-term ar-

rangements for taking care of the grounds. A convenient location is preferable, so loved ones can pay their respects easily and conveniently.

Much of this decision will be based on personal preference. It might be a small, quiet country location or a plot in the middle of a bustling city.

There are plenty of options available, depending on your wishes.

The property manager should have a stellar reputation and a lengthy track record of being professional. It is important that they make you feel comfortable and at peace with your decisions.

Look for a cemetery that will be run in perpetuity. It should have stable management now and detailed plans for ongoing maintenance through decades to come. Do not be afraid to ask questions about the company’s history and plans for the future.

HEADSTONES

Deciding on the right headstone is another way to leave a legacy.

The monument or headstone can say a lot

about the deceased’s life. You can choose a simple, straightforward stone or an elaborate stone with a custom design. You can also leave a message for descendants. This headstone will be around for a very long time, and it can inform people about your life.

So you might want something more unique.

Monuments can also reflect the personality and interests of the person they are honoring.

Many companies offer a variety of designs and layouts for people who want a special headstone.

They have symbols and messages that can honor religious beliefs, clubs, honors or careers. These elements will add personality to your headstone.

These companies are happy to cater to your request. They might also make recommendations.

A final resting place will honor a legacy for many years to come. The decisions you make will leave a meaningful impression. Take the time to choose wisely and take the pressure off your children and family by choosing ahead of time.

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Your Permanent Place of Remembrance: Where Your Legacy Lives On.

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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.

Visit either of our local stores at 301 E. Main Street in downtown Streator or 615 LaSalles Street in downtown Ottawa

Forever

and Always

Serving generations of families as their trusted jeweler in Ottawa and Streator.

Let us help you pick the perfect ring.

SM-CL1983587

STREATOR 310 E. Main St. 815.672.2614

OTTAWA 615 La Salle St. 815.433.5653

vanduzerjewelers.com

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.

Quality Care Cleaning Tami Thomas-Leonatti, Owner 815-434-2539 tthomas@qltycleaning.com Keeping Local Businesses Clean for Over 25 Years

qltycarecleaning.com LOYAL | TRUSTWORTHY | COMMUNITY BASED | FAMILY OWNED SM-CL1982199

The Times / ShawLocal.com • Wednesday, May 25, 2022

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.

HOW TO GUIDE

What is a commercial cleaning company?

23

How to choose a paint store

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

24

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.

Get a Fresh Look this Season Stop in today to see how the vibrant colors of Benjamin Moore® can help your next paint project be your best ever.

Debo Ace Hardware 1713 4th St. Peru (815) 223-0461

SM-CL1982888

Monday - Friday 7:00 AM - 5:30 PM Saturday 7:00 AM - 5:00 PM • Sunday CLOSED

BASIC OR PREMIUM

Today’s simplest digital hearing aids require making manual adjustments to the instrument such as changing the volume or choosing the correct listening program for a given situation.

A premium hearing aid, in contrast, can make these changes automatically. The more technologically advanced aids will automatically respond to changes in the listening environment, including selecting the right mode and adjusting the volume, without the wearer having to do anything.

STYLES

Today’s hearing aids also come in a wide variety of styles, some of which are practically invisible to the people around you.

Invisible in-the-canal (IIC) hearing aids are tiny enough and are seated deep enough inside the ear canal that no one will know you’re wearing them.

Their ability to boost your hearing in a completely discrete way has made them a popular choice for many people with hearing loss.

In-the-canal (ITC) instruments are slightly larger, which can give them advantages such as a longer battery life and more directional control of the sound. Full shell in-the-ear (ITE) instruments fill the whole bowl of the ear, again slightly larger to allow for more controls and features, including a larger battery for some people experiencing severe hearing loss.

Behind-the-ear models — including some with slim tubes and tips, along with ear molds to make them more comfortable and less noticeable — can also do an excellent job and come with some distinct advantages, including a more natural, “open” feel-

ing that allows freer airflow into the ear canal.

Many hearing aids are now rechargeable, which means the individual does not have to buy or change batteries. The rechargeable option is very convenient, especially if the person has problems with dexterity or vision.

Most hearing aids can be paired to a person’s smart phone, enabling the user to make adjustments to the aids using an app on the phone.

EXPERT CARE

Perhaps the most important aspect of choosing a hearing aid is choosing the audiologist who tests for hearing loss and fits the device.

Audiologists spend years studying how to prevent, treat and diagnose hearing loss, something that can have many root causes and differs from individual to individual. That means a good audiologist can help select, fit and customize a hearing aid that will provide the best outcomes for each patient — something that takes a very personal approach.

The best audiologists will not only have the right licensing, training and experience to work in your area, but they also will be completely committed to

getting the best result for each individual patient.

They’ll take the time to properly diagnose your hearing loss, recommend a course of action, and help you clearly understand the pros and cons of various hearing aids that would be appropriate for your needs.

MAINTENANCE

Hearing aids are complex, high-tech instruments with small parts, which means repairs and maintenance may be necessary from time to time.

When selecting a hearing aid, find out what kind of warranty it comes with and who will do the repairs when they are needed. Your audiologist’s office may be able to handle minor repairs. For major repairs, the hearing aid will need to be returned to the manufacturer to be fixed.

Buying your hearing aid from a provider with a long track record in your community and reputation for excellent customer service can provide peace of mind — both that you selected the best instrument and that you’ll have the support you need in the months and years to come.

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Darcy Beals, M.S., CCC-A, Audiologist 205 S. Park St. | Streator darcybeals@yahoo.com

Local. Experienced. Professional.

(815) 673-2869

The Times / ShawLocal.com • Wednesday, May 25, 2022

According to the World Health Organization, 466 million people worldwide suffer from disabling hearing loss. It’s hard to understate the impact hearing impairment can have on day-to-day life, and choosing a hearing aid isn’t easy for most.

Hearing aids come in all sizes, shapes and colors and are designed for specific hearing loss conditions.

Some don’t mind if others notice them; others want to be more discreet. In either case, a properly fitted and selected hearing aid can enable people suffering from hearing loss to enjoy more of the things they love — whether it’s engaging in hobbies, succeeding in a job, learning in the classroom or spending quality time with friends and family.

HOW TO GUIDE

How to choose a hearing aid

25

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

26

How to choose an insurance company

Let’s face it: Purchasing insurance isn’t fun.

But not having insurance — or not knowing how to access it in an emergency — is worse. And if there’s a loss to your home, auto, or business, the last thing you want to have to do is figure out who’s your insurance company is when your life’s been turned upside down.

Insurance guarantees you peace of mind and protection, so choosing the right insurance agent is a worthwhile investment of your time. But unless you know what you’re looking for in an insurance provider, you shouldn’t pick a company based on their marketing hype alone. Your best bet is to find your local independent agent right in your own community.

Premiums from company to company can vary widely, as can the type of coverage they offer. So, before you purchase a plan, contact an independent agent you trust and they will shop the market for you as they represent several different companies.

KNOW YOUR POLICY

You will have to take a look at the fine details and figures for each policy. If you are in the beginning of this process, insurance representa-

tives should act more like teachers instead of salespeople. Your choices may be complicated, with a range of pricing options, deductibles and exclusions. A good local agent will give you choices, explain them clearly and let you make up your own mind.

While reviewing your options, make sure you are comparing similar policies. If a premium seems unusually low, it might have a higher deductible or more limitations.

It is important to have a local agent who has a strong reputation in your community – one you can rely on for professional advice.

CUSTOMER SERVICE

Customer service always plays a key role in determining which company is best. If you’ve had friends or family who have filed insurance claims previously, ask them about their experiences.

Not all companies are created equal with respect to customer service. Some will force you to address questions on your policies through their website or a 24-hour phone number.

Your local independent agent is a great choice when it comes to customer service. When you require service, you want to talk and meet with

someone who lives and works in your community, not talk to someone in a far off place or on an internet chat.

FINANCIAL STRENGTH

An insurance company is only as strong as its balance sheet. Financial strength is especially important these days.

Every insurer is independently rated based on their finances. An insurance agent should inform you of the company’s rating and tell you what it means. A good rating means the company can make a payout in the event of a catastrophic event. A reputable, stable, well-capitalized insurance company is also likely to have more coverage options.

While your insurance premiums are an important factor, it is just one piece of a complicated puzzle. Choose a company that will not only give you a fair price, but who will also be prompt and courteous in the event you have to file a claim.

The right insurance company will treat you well at every level of interaction, provide quality coverage, and pay out in a timely manner should there be an accident.

TRUST US TO PROTECT WHAT MATTERS MOST

You’ve worked hard to provide a home for your family. That’s why we offer insurance protection to cover you today and going forward.

Trust in Tomorrow.® Contact us today.

IIP Insurance Agency

Jay Bottarini

Pete McGrath

“Trust in Tomorrow.” and “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2022.

The Times / ShawLocal.com • Wednesday, May 25, 2022

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.

MONUMENTS & CREMATION MEMORIALS On Site Sandblasting Services • Cemetery Lettering • Landscape Rocks • Limestone Address Signs • Memorial Dedication Bricks

HOW TO GUIDE

How to choose a monument

27

Schultz Brothers Monument Experience. Craftsmanship. Selection.

Ensures you will receive the perfect memorial at the best value.

Jason Schultz & Corey Schultz 131 S Shabbona St., Streator 815-672-4315 schultzbrothersmonument.com

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

28

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.

PERU WALTHAM SERVING YOUR HOME & FARM INSURANCE NEEDS SINCE 1878 Frank McConville McConville Insurance Agency Mendota & Tonica, IL 815-539-9714 815-442-3116

Neal Hodges Hartauer Insurance Agency LaSalle, IL 815-223-1795

Call an agent today!

Linda Dose Dose Agency Oglesby, IL 815-883-8616

Carly Gonet Hartauer Insurance Agency Granville, IL 815-339-2411

Visit us online at www.perumutual.com

FUNCTION

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

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

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

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

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

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

DÉCOR

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

Also consider watching home design shows or

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

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

They usually are easy to clean.

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

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

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

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

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

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

BUDGET

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

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

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

info@somekitchen.com 815.879.0604 somekitchen.com 1619 N Main • Princeton, IL SM-CL1982795

The Times / ShawLocal.com • Wednesday, May 25, 2022

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.

HOW TO GUIDE

How to choose kitchen and bath design

29

Finding the right bank

The Times / ShawLocal.com • Wednesday, May 25, 2022

HOW TO GUIDE

30

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.

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

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.

Low Interest Rates!

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

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

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

SERVICES

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

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

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CALL Rachel Balestri

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www.eurekasavings.com 2959 Peoria Street • Peru

815-223-9400 Se habla español

MEMBER FDIC

31

HOW TO GUIDE The Times / ShawLocal.com • Wednesday, May 25, 2022

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%

OFF

TO THE FIRST 50 CALLERS ONLY! **

FINANCING THAT FITS YOUR BUDGET!1 Promo Code: 285

Subject to credit approval. Call for details.

1

*For those who qualify. One coupon per household. No obligation estimate valid for 1 year. **Offer valid at time of estimate only 2The leading consumer reporting agency conducted a 16 month outdoor test of gutter guards in 2010 and recognized LeafFilter as the “#1 rated professionally installed gutter guard system in America.” Manufactured in Plainwell, Michigan and processed at LMT Mercer Group in Ohio. See Representative for full warranty details. CSLB# 1035795 DOPL #10783658-5501 License# 7656 License# 50145 License# 41354 License# 99338 License# 128344 License# 218294 WA UBI# 603 233 977 License# 2102212986 License# 2106212946 License# 2705132153A License# LEAFFNW822JZ License# WV056912 License# WC-29998-H17 Nassau HIC License# H01067000 Registration# 176447 Registration# HIC.0649905 Registration# C127229 Registration# C127230 Registration# 366920918 Registration# PC6475 Registration# IR731804 Registration# 13VH09953900 Registration# PA069383 Suffolk HIC License# 52229-H License# 2705169445 License# 262000022 License# 262000403 License# 0086990 Registration# H-19114