SVM_How To Guide_022721

How-To A PUBLICATION Advertising Supplement February 27, 2021

G U I D E

WHAT’S INSIDE? All You Need To Know... from choosing a Chiropractor, Insurance Agent, Financial Advisor to Auto Body Shop, Electrician, and much much more!

How to Choose an Auto Body Shop

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From dents and scrapes to fender-benders and more intense damage resulting from an accident, repairing your vehicle requires the services of expert professionals from an experienced, reputable auto body shop.

Not surprisingly, shops specializing in this service can vary in quality, reliability and cost. It’s not unusual for auto body repair estimates to differ by hundreds if not thousands of dollars.

To get the best work at the fairest price requires an investment in time and asking the right questions.

Choosing the right body shop depends on many factors, such as the extent of damage, whether the costs are born by yourself or insurance, the experience of the shop with your make and model of vehicle and the shop’s history and reputation, among others.

Paramount to your search is finding an auto body shop that’s honest, trustworthy and dependable. That choice will ensure that your vehicle is repaired quickly, affordably and correctly.

The shop you choose should be able to complete all manner of work, from a minor touchup to a full-body repair. Your friends, family and colleagues might have recommendations.

After all, auto body shops are an unfortunate, but necessary, part of life for most people.

Have a list of companies, research each shop on the Internet and read customer reviews.

Testimonials, negative and positive, should be considered. But keep in mind that no business has a 100 percent satisfaction rate. Someone will always be displeased. Also, more people are likely to leave a negative rather than a positive comment.

A good source for finding an auto body shop is your local newspaper. Local businesses advertise and many times you can find special deals to help save you money.

Once you have created a list of shops, contact them on the phone and ask pertinent questions. How long have they been in business?

What are their specialties? How soon can you bring your vehicle in for an inspection?

Ask to set up an appointment for a free inspection. Then further investigate the business.

Look around their lobby. Is it clean? Do they have their license and any awards or certificates posted? Do they care enough about their customers to offer reading material, coffee or water?

Consider prices. Are they comparable to other

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body shops? While you want to find a great deal, cheaper is not always better. Understand that you will often get what you pay for when it comes to auto body work.

Low prices may be tempting, but they typically mean sub-par work, used parts and paint that is incorrectly applied.

Feel free to ask the manager or owner for references before they work on your car.

You can also check their previous work. When you see a car with paint drips, panels that are misaligned or paints that don’t match, look elsewhere. You will not save money if you need to have the improper work redone.

The shop should inspect your vehicle for repairs that are not readily visible. Often, there are hidden damages that cannot be detected until repair work begins on the vehicle.

Finding an auto body shop may not be the most pleasant business because it usually means your vehicle has suffered some kind of damage. But finding the right shop will make the experience much more pleasant and you will be happy with the repairs. Especially if you find the right shop that knows how to repair your vehicle so it looks the same as before, or even better.

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Finding a Good Appliance Store 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.

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.

es 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.

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 experienc-

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Store policies Review the store’s policies about warranties and repairs. If the appliance comes with a oneyear manufacturer’s warranty, you might not need an additional 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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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.

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How to Select Office Furniture Choosing the right office furniture reflects the image of your business and keeps employees comfortable, happy and productive. It’s not an easy or quick decision to make, since you can’t change it frequently.

There are endless options for office furniture, but don’t get overwhelmed. Comfort, style and quality at an affordable price are the main things you’re looking for in office furniture. And chances are, there’s a store nearby willing to help you check each of those boxes in selecting new furniture.

Think about these points when you head out to shop for new office furniture.

Customer impression Your chairs, tables, filing system and even decorations will leave a lasting impression on your customers.

Looks matter. Coordinated furniture and accessories will make your office appear more

organized and reliable.

People don’t trust businesses that use worn-out chairs and uncoordinated decor. It will make your office seem careless and haphazard.

Keep your customers and employees in mind when picking furniture.

New leather chairs will not look good next to an old, dilapidated avocado green table. Create a strong impact by replacing entire sets at once.

High-quality sales Only consider furnishings and supplies that will stand the test of time. Replacing items frequently is not a smart business decision. While high-quality items may cost more initially, you will not have to spend time and money continuously searching for replacements.

Wise business owners know that quality means almost everything, even down to the smallest detail. An inexpensive ream of paper that you got at a discount could leave a bad impression on customers. It will also infuriate your staff members if the paper keeps getting stuck inside printers.

Any store that offers a long warranty is usually a good dealer. A desk with a 10-year warranty could save you a lot of money in the long run. Plus it shows the company has faith in its products.

Comfort It only makes sense that you should feel as comfortable as possible while working.

It is vital that your office furniture feels safe for your staff and customers. It will have a huge impact on office morale.

You could possibly face legal action if your office furniture is not ergonomically correct.

Ill-fitting furniture is the cause of carpal tunnel syndrome and other injuries. These problems often lead to workers’ compensation claims.

Only use furniture you can adjust. Whether you need pillows, cushions or platforms, a little luxury can go a long way toward making your workplace more productive.

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Convenience The best retail shops have in-depth knowledge about their inventory.

They will inform you about which supplies or furniture will look best in your environment.

An experienced salesperson will provide insights that are not in a catalogue.

Look for stores that focus on great customer service. You deserve personal attention. Verify that they have a reasonable return policy as well.

A store with a convenient location, store hours that match your schedule and good service will probably offer you great value for your money.

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There’s no more important step than assisting a loved one who needs ongoing care for medical or mental condition in finding a quality nursing home. Some choose nursing homes to recover after a hospital stay, but most require constant care.

A nursing home can provide a comfortable living environment for your loved ones while ensuring that all of their needs are met. As an added bonus, you can rest assured knowing that quality medical care is always nearby to meet any medical emergency that may arise.

You can’t put a price on peace of mind.

Placing a loved one in such a facility is never easy, but the choices can be made easier by making some basic decisions on what is important — nursing care, meals, physical therapy, a religious connection, hospice care, or special care units for dementia patients? Do you want a place close to family and friends so they can easily visit? These are all important criteria to consider.

Here are a few more things to think about if you believe someone you love could benefit from nursing home care.

Visit the facility Take a tour of the potential facility. You should intuitively feel warmth and safety in this environment. Your visit will also provide clues about the general atmosphere and morale of the residents. There should be lots of natural

light, cheerful colors, bright wall art and hints of laughter from the staff and patients.

Focus on the cleanliness, staffing levels and the appearance of other residents. Is the air fresh and free from unpleasant odors such as urine, feces and stale food? Are there enough nurses and attendants on duty? Are residents appropriately dressed? Do they seem clean and freshly bathed?

Bring the prospective resident along for the tour. This facility may become home. Your loved one deserves to have a voice in selecting the facility. Feeling welcomed are cues that this could be a positive living experience.

Socializing is important. Are there opportunities for residents to meet each other? Regular activities such as music and crafts or an outdoor area for enjoying the sunshine will enhance quality of life.

Most nursing home facilities are happy to provide a tour of the building. Once you see the environment, ask for a consultation with a staff member. This is an opportunity for you to ask questions and address special needs of the prospective patient.

Possible questions might include availability of physical and occupational therapy, accommodation of appointments outside the facility and access to barbers and beauticians for the residents.

Talk with others You might have a chance to talk with a relative

of a patient who is currently living in the nursing home. Don’t be afraid of asking them for honest opinions about the facility.

Query them about the staff and quality of care received by the residents. Solicit their input on whether you should place your own loved one in this facility.

These relatives are usually eager to share their experiences with you. Hearing their impressions will help ease your own anxieties about this important decision.

Ask the doctor If you are still unsure about your decision, or if you have reservations about the facility, discuss the matter with your loved one’s primary care physician. This professional should also be able to recommend good nursing facilities in your area.

The doctor may suggest additional facilities not on your original list. When your loved one has special needs, the doctor will know which facility or center can best meet these requirements.

Deciding to put a family member or loved one in a nursing facility is never easy. Carefully weigh the expectations of your family member with your impressions and the recommendations of others.

This is one of life’s most difficult decisions. Taking the time and doing the research will result in a better quality of life for your loved one and peace of mind for yourself.

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How To Choose A Nursing Home Facility

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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How to Choose Mental Health Services Fact: Mental health disorders are real, common and often treatable. An estimated 1 in 5 American adults1 (nearly 44 million people) and 13-20% of children living in the United States will experience a diagnosable mental health disorder in a given year, according to Mental Health America, an advocacy organization.

Where to find help will depend on age (adult or child) and the type of disorder or symptoms experienced. But qualified professional assistance is more available than ever.

Here are some things to keep in mind when looking for a treatment center.

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

The best facilities will have a wide array of treatment options. Then they will tailor their services to fit specific situations.

These centers will have a range of choices. At one end of the spectrum, there might be shortterm outpatient care that can be performed in any setting, much like one-on-one counseling.

At the end, there is full-time, long-term inpatient care in a hospital setting.

But most cases will be somewhere in the middle of these two choices. An ideal care center will be able to offer custom treatments for individuals. Whether you are seeking short or

long-term care, the staff will be able to match you with the best care for your needs.

Team 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 may involve a multidisciplinary approach.

Psychiatrists and psychologists are just the beginning. Other behavioral and wellness professionals can also assist in treatment.

There may be medical professionals like nurses and licensed therapists, along with social workers, case managers, teachers and therapists.

It all depends on the diagnosis and desired outcome.

A good treatment center will be able to utilize a team of professionals who can work on a patient’s health from multiple angles for the most successful results.

Family involvement Support is vital. When family and others get

involved in the recovery process, it makes a huge positive impact on the individual.

Mental health professionals appreciate the support that a family can give the patient.

In addition, some issues — especially addiction — often leads to emotional and stressful family struggles. It is essential that the whole family learns how to deal with these dynamics.

Education is key. The best treatment centers encourage honest, open dialogue among family members.

The family must establish healthy, clear communication about the issues they’ve been experiencing.

Emotional, mental and substance abuse issues do not affect just an individual. Everyone feels the impact in major ways, and all of those people can become involved in supporting the right health solution for the patient. And themselves.

Ongoing services Reputable treatment centers will have a strong aftercare program. They will recommend a course of ongoing, continuing care to keep the patient on track with their recovery.

This last stage can make a big difference over the long run. It will help the patient ease into daily life while still receiving continuing care.

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

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How to Choose Hospice Care

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According to the National Hospice and Palliative Care Organization, only 50.7% of people choose hospice care when they are faced with the possibility of death. But hospice is not only for the dying. Loved ones also benefit from hospice care, as nurses, home health aides, social workers, bereavement counselors and chaplains will support them with education, and emotional & bereavement support through some of the most difficult moments in life.

Hospice care can be provided in the patient’s home, assisted living centers, nursing homes, or an in-patient hospice home.

While all hospices are regulated by the government, each hospice has meaningful differences in personnel, policies and facilities.

Picking a hospice involves having the right feeling. If the hospice staff is personable and makes you feel comfortable, that’s a good sign.

Here are some things to consider when selecting hospice care:

Referrals Every patient who receives hospice treatment must be qualified by a physician. Usually, this means there is a life expectancy of six months or less.

Since some physicians may hesitate to broach the subject of hospice care, you may need to bring it up yourself. Ask whether hospice care would be appropriate and which services might be most helpful to ease the end-of-life process. It is never too early to request a referral visit if hospice care is appropriate for you and your family. In 2018, the National average for days in care for patients receiving service ranged from 1-7 days of care at 27.9% to >180 days at 14.1%. Helping families and physicians to have end of care planning conversations earlier is a goal for hospice to ensure patients and families receive the maximum benefits that they have available.

You can also approach a hospice facility directly to ask about their services. They will help you determine which care is most appropriate.

Hospice care has been growing since the 1990s.

It is possible to die with peace and dignity. Hospice can help make the end-of-life experience a little easier for the patient and their loved ones.

Location Hospice specializes in making the patient feel as comfortable as possible. Care can take place anywhere. Patients can even receive services in their own homes, or wherever they call home – a nursing home, assisted care center, or where they are most comfortable.

Some cases may require more specialized care than others. The patient can also choose to stay in a hospice home that can give them easy, 24hour access to nurses, medication and medical equipment needed for their comfort.

The hospice team and your physician can discuss the options with you and your family to help determine which might be the best option for your specific situation.

Communication Pick a hospice service that helps you feel at ease. You are going to have to ask and answer some extremely difficult questions. Death is a tough subject to discuss. Clear, caring communication is absolutely essential.

A quality hospice program will give you all the time and personal attention you need to ease your mind.

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When choosing hospice, you are choosing a type of care that specializes in caring for those who are in the last six months of life. It’s an emotional period for anyone, but an important decision that will ensure a loved one will receive the care and comfort they deserve.

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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.

choices, explain them clearly and let you make up your own mind.

Insurance guarantees you peace of mind and protection, so choosing the right insurance company 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.

It is important that you get as much information as possible about each policy before making a decision.

Premiums from company to company can vary widely, as can the type of coverage they offer.

So, before you purchase a plan, you need to understand exactly what type of insurance you’re buying and how it will affect your bottom line.

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 representatives should act more like teachers instead of salespeople. Your choices may be complicated, with a range of pricing options, deductibles and exclusions. A good company will give you

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.

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.

Some insurance companies have better reputations than others. Gathering all of these experiences will give you a good idea of how you might be treated.

Each company has a different customer service philosophy. Some of them prefer to use a local representative to communicate with clients.

Others will discuss policies through their website or a 24-hour phone number.

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Many insurance companies, however, use a combination of these methods. They might give you 24-hour access to national representatives along with a local advisor.

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.

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How to Choose a Golf Course

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The course The course itself is the top factor for any serious golfer. The ideal course should be difficult enough to challenge you. While going to the same handful of courses close to home is a good way to learn the basics, now is the time to grow your skill set. The best courses match the natural surroundings.

They will provide a beautiful backdrop to put you in the right frame of mind. Sometimes, the most memorable experience comes from playing in extraordinary settings. This golf course is a 135 acre, 18 hole, mature landscape, with rolling hills, offering both a challenging experience and a course for the novice golfer. There are 6,504 total yards, 3-par 5’s, 11-par 4’s, and 4- par 3’s.

golf lessons. You can call 815-288-Golf for all membership/amenities options. The amenities available at each golf course should match the purpose of your visit. Each location is different, catering to a unique clientele and price points.

Shop around for a good match.

Amenities can bring added enjoyment to your game, especially if you are traveling with family or friends. This course has memberships available offering bag storage, full locker room with showers, bag and cart service, league play, and

Services Every course offers a list of services that will make your visit more enjoyable. Take advantage of all the services that might be offered. Most facilities know that a golf course is an excellent escape from daily life and they want you to feel pampered and special. At this golf course, you’ll get to experience a comfortable atmosphere with a full bar, and a grill that serves everything from burgers to ribeyes to

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Salmon. You can phone in your food and drink orders from your cart for course delivery or dine-in. Why not improve on your swing a little while you’re there? Many golf courses, such as this one, offer specials on lessons you can take advantage of. And don’t forget about the tournaments. While you’re researching courses, look for special tournaments you can get into to test out the course, possibly at a cheaper price.

The best golf courses have gorgeous settings, excellent amenities and exceptional service, as well as the challenging course.

Whether you’re organizing a tournament or just looking for a great place to play on your own or in a group, choosing an excellent golf course will enhance your game and make the experience memorable and enjoyable. If you are looking for a great golf course, you have many options.

With enough research, you can find a location that will stretch your skills without breaking your budget.

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How to Choose a Waste Removal Company Got trash?

We all do, but if you’re producing extra garbage and junk as a result of a remodeling, renovation or you’re just getting rid of older items you no longer need, you can’t rely on the regular city or county pickup to haul it away.

That’s when you need to choose a waste removal company.

Waste removal companies can be a big help in getting unwanted refuse removed from your property

promptly and professionally.

Search online or check the phone book to find a garbage company in your area. Make a list of possibilities and then call them about prices, years of experience and reliability.

Understanding prices upfront is a way of avoiding surprises later. Many city-owned refuse disposal companies will not take away large amounts of debris from construction work and you may have to rent a container or a dumpster.

Some companies base prices on distance that the refuse needs to travel or on the load size.

You might be able to negotiate the price based on these factors. Fuel costs and dollars-per-ton fees at landfills have a large impact on trash

haulers. These fees are usually set by regional governing bodies and are therefore non-negotiable.

Quality companies will clean up all the loose bits left behind once the larger pieces are gone.

Without this guarantee, you might have to clean up after the garbage company. If these loose bits end up in your weekly trash pickup, they could cause you to exceed the regular residential limits. That would be a costly mistake. Some companies will not remove

issues should be addressed before you enter into an agreement.

Also, ask if the company passes fuel cost increases to the customer. Are these costs passed on periodically throughout the year or will they be reflected in the next year’s contract prices?

Don’t take for granted that a company is insured. Workers injured while on your property should be covered by their employers’ policy, not your homeowners’ insurance. A fully-insured company is more likely to be professional and trustworthy. The company’s liability insurance will absolve you of any financial responsibility in the event something happens while your trash is being removed and transported. It might seem awkward to inquire about this issue, but it really is in your best interest to find out.

Research a waste removal company with the same diligence you devote to shopping for household appliances.

That way, you will understand what services you get and avoid hidden prices.

It is a great way to protect your home and your wallet.

certain items or materials that are too heavy or large.

Verify that the waste removal business will tackle difficult pieces per your specifications.

Otherwise, you may have to hire another company to deal with bulkier items at an addtional expense.

If you are choosing a company for regular trash pickup, ask questions about the company’s terms of service. Can you include yard waste?

What is the limit on big, bulky items? How frequently can they pick up the trash? All of these

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

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

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

Compare prices If you have had to make funeral arrangements in the past, you may be tempted to just go with the funeral home you have experience with.

While this may be a smart option for some people, it’s not always the right option.

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.

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

Ask 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.

Ask for recommendations Even if you have never had to choose a funeral home in the past, you may have a friend or

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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How to Choose a Funeral Home

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How to Choose a Personal Trainer

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Many of us are well aware of areas in our life where we need (or want) to improve ourselves. When it comes to improving our own health and fitness levels, very often what is missing are these 3 things: 1. Motivation 2. Accountability and 3. Guidance The ideal personal trainer will provide all three of these pieces and so much more.

friend. Another option offers a discount for buying a package or series of sessions within a time frame- such as 6 sessions that meet twice a week for three weeks. Think of this as one of the best personal investments you will make for your health. The knowledge and habits you will gain if you continue on this path will last your lifetime and are truly priceless.

Availability. Consistency is very important for successful results when working with or without a trainer. During your interview with potential trainers be sure to include some time to compare your schedule and availablity with theirs. How flexible is the schedule? Do you need to book sessions at the same time each week? What is the cancellation or no-show policy?

How to find a great personal trainer Partnering with a professional fitness trainer can help you reach your health and wellness goals much more effectively than trying to go it alone. Having the guidance and support of a certified personal trainer keeps you more motivated and accountable when it comes to weekly workouts. In addition, with a customized workout plan designed specifically for you, your trainer can help you make the most of the time you spend working out, help prevent injury and see more successful results.

Knowing how to choose the right trainer, someone who will help you set the correct goals to achieve your desired results is important.

Therefore, it’s crucial to do your due diligence as you go about choosing a trainer. It takes a little research to determine whether or not someone will be a good fit for your needs.

There is a reason it’s called “personal” training, you really should think of it as “personalized” training. A personal trainer works closely with you to build a relationship that will help you to stay engaged and motivated throughout the process.

Take into consideration the following criteria when you’re looking for a personal trainer.

Certifications and education. A qualified trainer should be able to show you a fitness certification in their particular area of expertise. To become certified, personal trainers must pass an exam through accredited organizations such as The National Academy of Sports Medicine (NASM), American Council on Exercise (ACE), or the National Strength and Conditioning Association (NSCA). This ensures they’ve

met certain standards of professionalism and competence from a trustworthy organization.

Experience. As they say “practice makes perfect”. A trainer who exemplifies good health through their own lifestyle and has helped other clients meet their goals has likely developed a successful process for providing optimal guidance to help you get the most out of every exercise and every rep.

Personality. Are you a good fit together? What kind of support do you need? Some people need lots of positive reinforcement or instant gratification, while others are motivated by a kick in the pants and stern bootcamp-like treatment. Be sure to discuss this topic if it is important to you.

How much will it cost? Just as experience and personality can differ between trainers so can their hourly rates. Depending on certifications, specialty and location the range can be wide.

Some trainers are employed by a gym or club that determines the hourly fee. Independent trainers generally can charge whatever they want, but a long term commitment is not required so you may decide on a short term trial.

It is a good idea to think about your budget. If hourly one-on-one sessions are not ideal for you, some trainers offer semi-private sessions so you can share the cost and your time with a

Reputation. The best compliment a trainer can receive is a referral, but having people witness the results of their clients ranks right up at the top as well. Guiding and supporting people until they achieve their goals is the ultimate reputation builder. Successful trainers will be happy to share success stories, testimonials and references.

Whatever your goals may be, look for a knowledgeable and experienced personal trainer who feels like the most natural fit for you.

That’s the one to hire because he or she will not only help you reach your goals, but will also keep you feeling comfortable, motivated and inspired throughout the process. Your trainer will create a customized plan that is specific to you. Using a cookie cutter approach is not acceptable. Remember that your trainer works for you and should build up your confidence in yourself. What you are paying for is not only the trainers time, but moreso it is their knowledge and expertise.

When you have set proper expectations and follow your trainer’s custom plan for you, hiring a personal trainer could be the best investment you will ever make in your life. Remember that a trainer can’t do the exercise for you or create a magic pill to get you to your goal. The magic is in you. Your health and wellness are a lifelong journey. Be sure to get on the path with the right guide.

Larry Ybarra

SM-ST1860164

Certifications with National Academy of Sports Medicine Certified Personal Trainer Certified Senior Fitness Specialist Certified Corrective Exercise Specialist Certified Nutrition Coach Weight Loss Specialist Performance Enhancement Specialist Group Fitness Specialist

(815) 535-1231 Ybarra.getfit@gmail.com

How to Choose a Transmission Repair Shop

Proper Maintenance Proper maintenance is key to ensuring the longevity of your transmission. After every 20,000 miles, you should have it serviced or cleaned to prevent problems.

Good shops provide a power flush to remove and replace all transmission fluid.

Some car manufacturers recommend servicing the transmission after every 50,000 miles. Many car owners have discovered that it is simply not often enough. It costs so much to replace a transmission that it is often financially smarter to just buy another car instead. That is exactly what automakers are hoping you will do. Err on the side of caution and replace your transmission fluid regularly.

Trained Specialists You will save yourself much time and money if you search for a repair shop with a good track record. Some shops require multiple visits before the work is done correctly. Mechanics at the best repair shops are properly trained to fix a wide variety of transmissions.

Do not use a general auto repair shop or dealer service for transmission repairs. It will cost you more money because they will have to subcontract with a transmission specialist to do the job. Save money by going to the transmission shop yourself.

Credible Repair AAA provides a list of qualified repair shops and their ratings. These shops have agreed to mediation through AAA in the event of a dispute.

The Better Business Bureau can also give you information about poor performing shops in your area. That organization keeps a record of complaints lodged against them. If you are considering a national chain, the Bureau of Consumer Investigations will also inform you about which stores are not reputable.

Type of Repair Transmission work is time consuming and difficult. Professionals must remove the transmission from the vehicle. That can cost about $500 even before any other work begins. Minor transmission repairs could require the entire transmission to be rebuilt.

There are only two options for repairing a transmission: remanufacturing or rebuilding.

Remanufacturing remakes the transmission from used cores and replaces all moving parts.

It is the equivalent to purchasing a whole new transmission.

Rebuilding a transmission replaces worn-down parts. It is the most common transmission repair.

Prepare Because basic labor itself is expensive, it often makes more sense to completely rebuild your transmission rather than fixing minor issues periodically.

This price will depend on the complexity and the extent of the rebuild.

Remanufactured transmissions are more dependable, but also expensive.

The standard rebuilt transmission usually offers a one-year/12,000-mile warranty. For a remanufactured transmission, the standard warranty is 100,000 miles.

RANKEN’S Transmission and Auto Repair 2119 W. St. Dixon IL

(815) 284-4970

SM-ST1858967

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Maybe it’s a noticeable issue with shifting or a warning light. These indicators signal transmission trouble. Replacing and repairing your transmission can be among the most costly situations you face with a troubled car. That’s why it’s important to develop a relationship with a qualified, reliable and professional transmission repair shop before disaster strikes.

If you have a relationship with a reputable transmission repair shop, you won’t need to fret taking out a loan next time your transmission acts up. Luckily, finding a good shop is a pretty simple process.

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How to Choose a Chiropractor you find the right chiropractor for your needs.

It is estimated that doctors of chiropractic, known as D.C.s, treat about 35 million Americans adults and children annually, according to the American Chiropractic Association. These specialists use a hands-on, drug-free approach to health care that is best known for spine manipulation, but they also treat many other areas with techniques that have been proven safe and effective.

So, if you have unexplained aches and pains, you may want to consult a chiropractor. These professionals can help alleviate pain in your back, head or neck. Chiropractors believe that realigning your spine will help relieve pain and discomfort in the body.

And it works for a lot of people. Many patients find immediate relief from pain before even leaving the chiropractor’s office. They report rapid improvements in their muscles, joints, bones and ligaments.

Chiropractic care can also improve your overall health. The treatments administered by chiropractors can also treat minor ailments such as headaches and sinus pain.

Thinking about the following factors can help

Quality Chiropractors have some of the most stringent educational requirements in the health care industry. According to the ACA, accredited chiropractors go through at least 4,200 hours of classroom, laboratory and clinical training time combined.

Students must spend four years in a pre-medical program, in addition to four or five years of professional training.

Not only do chiropractors study the body, they usually also study the muscular skeleton, pressure points, bone and joints, and nerves.

Finding a chiropractor with these studies under their belt can give you a better experience and results.

Prior to selecting a chiropractor, inquire about training and credentials. Make sure he or she is properly qualified, has a current licensee to practice, and has experience in the area you are looking for.

Insurance Coverage Many insurance carriers include chiropractic care as part of their regular coverage.

Verify that your care will be covered. You might be offered a discount for choosing an “in-network” professional.

But if you don’t have insurance, many chiropractors offer low cash rates or affordable plans to help patients. Even without health insurance, you can still find chiropractor offering quality, cost-effective care.

Check for discounts. Some chiropractors will

offer incentive discounts for groups, referrals of new clients and other promotions.

Get Referrals Someone in your social or professional network has likely received excellent care from a chiropractor. Ask family, friends and co-workers for referrals.

Inquire specifically about his or her demeanor and schedule. Is it easy to make an appointment? You should also find out about the chiropractor’s philosophy about health and other wellness issues. Some practitioners will suggest complementary forms of care, including massage.

Given the results it can provide, chiropractic care is still affordable and worth the money.

With time and effort, you are likely to find a quality chiropractor in your area.

Researching the chiropractors in your area will help ensure you get the type of care you want and need.

Looking for a Trusted Chiropractor, LOOK NO MORE. Contact us today to schedule an appointment.

Dr. Sid Kirkland Dr. Ashley Kirkland Dr. Josh Kirkland SM-ST1860751

We've helped a number of people in the Sauk Valley area achieve their targets and are eager to help you as well!

229 1st Ave. Suite 2 | Rock Falls, IL | (815) 380-2180

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Zero-turn mowers are particularly useful when mowing close to homes, playground equipment and other tight areas.

If you have a large lawn or substantial piece of property to take care of, you’ll need the right equipment to not only mow and seed but carry supplies and tow attachments.

Zero Turn Mowers are the upgrade you need to navigate the terrain with the power and capability to maintain your land. These workhorses make quick work of taming acres of land.

Choosing the right Zero Turn Mower depends on several factors, such as the size of your property, towing capacity and, of course, price.

Here’s some guidance to help you pick the right tractor for your needs.

The right fit Zero Turn Mowers come in a variety of capabilities and price points which can range from $2,399 for a simple, basic model to $10,000 or more for a fully-featured, commercial-grade unit. In between, you will find a vast mixture of features and quality.

Select the right model by asking yourself how you will use the Zero Turn Mower. Lawn size is an important factor to consider. For a bigger lawn, you may need a wider mowing deck.

Do you have any other planned uses for your tractor such as hauling garden supplies and bagging leaves.

High-end Zero Turn Mowers are more like pieces of farm equipment than traditional rideon mowers. You can purchase accessories for them, such as baggers, trailers, and pull behind accessories.

You are not only buying a lawn mower. These mowers are platforms that can be used for all kinds of jobs. So check on the accessories that come with each model, even if you don’t plan on purchasing them yet. You may appreciate the choices in the future.

Speed and maneuverability Most people want to finish the job in the least amount of time.

While it is true that large mowing decks will cover more ground with each pass, there are other things to consider as well.

The transmission and speed is also a factor.

The zero-turn mower is a popular option.

These vehicles can turn quickly and precisely to cut lawns of all sizes and shapes.

While they have been used for years by commercial lawn crews, only recently have these mowers become affordable for the average homeowner.

FRANK’S

SMALL ENGINE REPAIR Tune-Ups • Parts • Blades • Accessories M-F 8-5, Sat. 8-Noon

405 Ash Avenue, Sterling 815-622-9999

Durability The longevity of your Zero Turn Mower is also an important consideration.

The brand’s reputation should weigh heavily when you are making a decision. Research consumer reviews and talk to your friends and family members about the best brands of lawn products.

Also, visiting a retail store and talking to knowledgeable salespeople will also help you.

There are plenty of low-end, affordable zero turn mowers out there, but few have a reputation for durability. It is economical in the long run to choose a well-built model from a reputable manufacturer.

Inspect the construction of each lawn mower carefully to verify that it will meet your needs.

While you probably don’t need the extreme engineering and high price of a commercial-grade model, you ought to buy the best model you can afford and follow the maintenance directions closely. It will help you get the most usage for your money.

Finding a good dealer is an essential part of the process. When you locate an experienced local retailer with a long track record of happy customers, you will be well on your way to selecting the right Zero Turn Mower for you.

MSRP $2,799

SALE PRICE $

2,599

MODEL 75742

WWW.TORO.COM

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How to Choose a Zero Turn Mower

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How to Choose a Memory Care Center

As cases of Alzheimer’s and dementia have increased, so have the facilities that offer memory care. The rise in prevalence of these diseases has fortunately spurred an increase in alternative and traditional treatment options.

If you or a loved one are suffering from Alzheimer’s or dementia, a memory care center is one such option that could prove a major help. These centers may be part of an assisted living center or operate as standalone facilities.

Which you choose depends largely on individual circumstances. Here’s a basic primer in what you need to know when considering a memory care facility.

Staff The experience and attitude of the staff members is one of the most important considerations. They should treat all patients with kindness and respect.

The center should also provide continuing education to employees to assure that everyone is up to date with the latest in memory loss research and care.

Always visit a memory care center before ad-

mitting a loved one. Tour the facilities to make sure the building is clean and organized. The atmosphere should be calm and relaxing.

Consistency and stability are important to those suffering from memory loss. The center should have a low turnover rate among staff members. No memory care center should rely heavily on part-time workers.

Ask about the ratio of staff to residents, as well as the backgrounds of any medical practitioners employed by the center. Your loved one needs personalized care and attention. It is vital that the center has enough workers on staff to provide quality care for your loved one.

Secure, comfortable setting Quality memory care centers will resemble comfortable, inviting homes. They should not look like hospitals.

JOIN A COMMUNITY that feels like family and feel supported every step of the way.

At Liberty Court in Dixon, Illinois, it’s our mission to provide the support you or your loved one needs to live as independently as possible by meeting them at precisely the point they are at in life with highly personalized service plans. Whether someone needs a little help with the activities of daily living or has a memory loss illness and needs aroundthe-clock support in a warm, welcoming environment.

Let us help with:

• Assisted Living • Memory Care • Respite Living

The facility should be clean and sanitary without appearing sterile. A center’s cleanliness is an indication of the dedication and price of everyone who works there.

Ask questions about the activities offered to residents, how visits are handled and the types of therapies available.

Because patients can sometimes forget where they are, it is important to ask how the center protects its residents. What kind of security features do they use?

Note your general impressions of each center you visit.

Support Quality memory care centers have support services for residents and families.

Symptoms from dementia can range from mild to extreme. The center should be equipped to handle all stages of dementia.

The best centers have support groups for residents and family members.

You and your loved one should be comfortable with the memory care center you choose. The best facilities can give patients a much needed boost and improve their overall quality of life.

124 Liberty Ct. Dixon, IL 61021 (815) 362-7921 Assisted Living & Memory Care

Kelly Shroyer, Community Relations Coordinator

www.libertycourtseniorliving.com

SM-ST1859226

How to Choose a Storage Center

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Location Location is a key factor when selecting a storage company. Your ideal facility should be close to your home or office for ease of access. If you need to add or take something out of storage, you will be glad that you picked a convenient location.

Avoid using companies in risky neighborhoods. The overall security of the facility will be stronger when it is in a safer part of town.

Security Security is another important consideration.

Your belongings should be safe for the duration of the rental. Visit the facility in person to verify its security protocol. If you can’t see the center in person, talk to a knowledgeable representative on the phone. The best facilities have three security layers.

1. The building has a security fence that is not easy to climb. It should be topped with barbed wire to discourage attempts to infiltrate the perimeter.

2. Heavy, secure doors seal the center. Keys, codes or even biometric door locks safeguard your stuff.

3. A professional security guard should be on

site at all times.

is open 24-hours a day.

Unit Sizes and Climate Control Features The amount of belongings you have will determine the unit you need. Some self-storage centers offer units as small as 24-square feet. If you are storing furniture or a vehicle, you will probably need a unit that measures at least 300-square feet.

Also, if you are storing sensitive items, such as musical instruments, look for a unit that has climate control. You can request to have an air conditioned or humidity-regulated unit.

Price Don’t search for a bargain. Price should not be your only consideration. After all, if you choose an inexpensive facility, they may be cutting back on important aspects. Maybe they don’t have as much security as other facilities. Maybe the building is not maintained well.

Hours of Access Determine how often you will need to visit your items.

Some people store their belongings for several months. They may only need access to them once or twice during that time. Other people might need to visit their unit several times a week.

The hours of operation should fit your schedule easily. If your schedule is unpredictable, you might consider using a storage center that

Selecting a facility based solely on a low price may cause you to pay in other ways. It is not fun having your items stolen or damaged. Of course, within a storage facility, a smaller unit will be cheaper to rent than a larger one. But if the overall prices are lower than average, be very cautious.

The best way to find a good storage center is word of mouth. Ask your social network for recommendations. Advertisements, the Yellow Pages and even the internet are good sources of information. Be sure to check out several companies before narrowing your search.

Start early, take your time and follow your intuition. That way, you can’t go wrong.

Coming Soon - 2021

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Call All-Safe Center for Rental Details

815-285-2212

ALL-SAFE STORAGE CENTER

690 Timber Creek Road • Dixon, Illinois • (815) 285-2212 Visit our website www.allsafecenter.com

SM-ST1859210

HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

Perhaps you’re running out of room in your apartment of house for storage items, maybe even a car or a boat, and an on-site storage building is not an option, it’s time to investigate storage centers.

If you’re looking into self-storage, chances are you’ve noticed there are a great deal of storage facilities looking to attract your business.

There are some important aspects to consider before selecting a storage facility.

Choosing a Credit Union

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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 you’re 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. And 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.

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 frequently, those charges can add up fast.

Some credit unions belong to a nation network 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.

How to Join Cornerstone Credit Union - Easy as1-2-3!

1- Visit any location OR use our online membership application at cornerstonecu.org* 2 - Deposit $25 into your new savings account.

3 - Enjoy convenient benefits: free checking, mobile & online access, affordable loans, rewards credit card, shared branching and more!

Freeport | Sterling | Milledgeville | South Beloit

*Must meet member eligibility requirements. Open to anyone living or working in following northwest Illinois and southern Wisconsin counties. Illinois: Boone, Bureau, Carroll, JoDaviess, Ogle, Lee, Stephenson, Whiteside, and Winnebago Counties. Wisconsin: Green and Rock Counties. Federally insured by NCUA.

SM-ST1860723

800.711.3277

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tions and experience. Find a specialist who matches your needs.

Some people are networking experts on PCs, or Microsoft-based computers; others may only work on Apple computers.

When you speak with specialists, ask if they are certified in repairing, installing or troubleshooting the computers and peripheral device you are using. Inquire about how much experience they have with repair work and installation.

If your small business or home network is growing beyond your own tech expertise, or your devices are plagued with issues, you’ll need to hire a professional information technology specialist.

A good IT specialist is not just an expert in the technical aspects of your network and computers, but also knows data security and can absorb the big picture of your business or home needs.

That’s why it’s a good idea to locate a tech professional before you need them.

Here’s what to look for: Experience IT specialists come with a variety of concentra-

Communication skills It is important to hire someone with excellent communication skills. Computer networking, setup and repair are replete with jargon and acronyms. You need to understand what is wrong with your computer system and how it needs to be fixed.

Whether you are a business owner or home computer user, a good IT specialist will explain what decisions you need to make. You should be able to understand whether you need to upgrade your system or how you can improve the speed of your computer.

Not only will an IT specialist fix the problem, he or she will also inform and educate you.

With this new information, you can prevent future problems.

The best IT specialists will save you money and help you avoid common pitfalls.

We stand behind our work!

We can design and install your home or business network, including but not limited to: • Routing, Switching and Firewall Installation and Maintenance • PC, Workstation and Server Installation and Maintenance • Wired and Wireless Networking • Several proactive monitoring options

Check us out at www.dccomp.net

Location IT specialists can work at your location, or you can leave the equipment at their repair shop.

IT specialists sometimes make house calls, especially if the issues involve a network.

Interconnected equipment can be difficult to dismantle. A qualified professional can find the malfunctioning device quickly and solve the problem. House calls are usually more expensive.

Several repairs may involve specialized tools that are only found in a computer repair shop.

Laptops, desktop devices and other portable equipment can be easily transported to a repair shop.

Your prospective IT specialist should tell you whether an in-home visit is required.

Reputation IT specialists develop reputations quickly. You can easily gauge the qualifications of a professional by his or her track record. Ask your friends and family for names of good IT specialists. Their recommendations may have a higher per-hour rate, but they are worth every penny. They will get your computers working again quickly and easily.

Always look for a professional who has the qualifications and experience to install and repair your system. This person should explain everything in plain English. With a little time and research, your computers will be running again in a short time.

DC

COMPUTERS (815) 288-4695 734 N Galena Ave, Dixon, IL

HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose an IT Specialist

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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How to Choose a Paint Store

Painting your home is among the bigger home-improvement jobs you’ll confront, but it’s also a perfect money-saving do-it-yourself project. But it’s also 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 and textures. Oil-based and latex paints are available in a wide range of finishes and compositions.

They are also available in different grades.

Cheaper paint may be thinner, messier and harder to apply than its thicker, premium competitor. You will also have to determine if you want to work with a primer. Some brands require specific primer, while other brands have products that are “paint and primer in one.”

A good paint store will have far more than just one line of products. They will stock paint designed for concrete floors, industrial paints that can withstand certain temperatures or chemicals, and paints that will reduce mold growth.

It may seem overwhelming, but more choices will give you a better results and hold up over

And a good paint store will be happy to provide painting pointers. Not only will the best stores sell quality products, they will 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.

time. Knowing your specific priorities and considerations will help guide you toward the right paint for your project.

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

Locally Owned & Operated!

Design With so many color and style selections, a good paint store can offer design advice for getting 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.

Sales & Installation of Window Treatments

Handling all your paint needs ... RESIDENTIAL • COMMERCIAL • INDUSTRIAL Hours: Mon-Fri 7am-5pm, 313 W First St, Dixon • 815-284-0730 WE SELL: Sat 8am-3pm

SM-ST1859227

Learning that you or a loved one has Alzheimer’s or dementia is a devastating, radically life-altering experience, so you’ll want to choose the best care available.

According to the Alzheimer’s Association, the first step in choosing the right care provider is determining the care needs of the person with dementia. When possible, involve the person with dementia in care decisions.

Deciding how much care a person needs depends on such factors as how independently he or she can walk, eat, use the restroom and bathe. A person with dementia may still live independently early on, but in the middle stages, around-the clock supervision will be needed and becomes more intensive as the disease progresses.

What to Look for in a Treatment Facility The best care facilities are dedicated to treating Alzheimer’s and dementia. While there is no cure for Alzheimer’s, there are five prescription drugs approved by the U.S. Food & Drug Association to treat the most prevalent symptoms.

They physicians and staff in these facilities have also been trained to handle a number of medical problems with a special focus on the mental difficulties associated with these diseases.

The care facility should conduct evaluations to determine where your loved one falls in the Alzheimer’s spectrum —beginning, middle or end stage. The care they give will fit the personal needs of the individual.

How is the living environment at the facility?

Are the rooms clean and comfortable?

Are there quiet areas for reading?

Do outdoor activities inspire activity?

Does the center have group activities, special outings and other services?

Quality centers provide supervised picnics, fitness and craft classes, religious events and even field trips to enhance the care of the residents.

Active people stay healthier longer.

Patients need to feel comfortable and safe. The best facilities offer cozy atmospheres where your loved one can feel at ease.

After the initial assessment, the facility should be assessed on a regular basis, as individual needs can change according to the symptoms experienced. The center should be able to adapt to the changing needs.

In-patient or home care?

Depending on which stage you or your loved one fall on the spectrum will determine the need for either in-patient or home care. Naturally, the later stages of the disease may require in-patient care at a treatment facility. Here are some factors to consider when choosing a facility: When choosing a residential facility, tour the entire center. Ask to see a model resident room, and if permitted, ask to speak to some residents or family members.

Assisted Living Community (815) 772-4031 | 403 Scenic Street, Morrison, IL. | www.windsormanor.com/morrison

Professionals who care for Alzheimer and dementia patients know the support of family and friends can have a huge impact. You should have ample opportunities for family visits, activities and outings that include family and friends.

The facility should not feel like a locked hospital ward or a boot camp, but should have security and protective measures in place. Your loved one should be treated with dignity and respect.

Some centers have a pet therapy program for animal lovers and people who have left pets behind.

When you find the right care for your loved one, you can be assured of their safety, health and happiness. And you can enjoy peace of mind knowing they are safe and well cared for.

21 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose Alzheimer’s Care

How to Choose Farm Insurance

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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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.

rate) the claim payment would be $20,000 less the deductible for a check of $19,000. Not knowing which you have until after the claim has happened can create hardship if you are expecting the $19,000 but only receive the $14,000 due to the coverage that is in place.

Do I have the proper and adequate limits on my home, outbuildings, equipment, and other farm property for my needs?

Some people don’t have a great feel for what the costs of things are for repairs and the conditions that need to be met for claims payments to be made appropriately. Some people insure buildings for very little because they just want some coverage in the event it blows over, as they are not going to rebuild it. However, if the building cost $50,000 to build 20 years ago, it could be $75,000 to $100,000 now to build depending on the circumstances.

Important Questions to Ask Your Agent: Does my home, buildings, equipment, or other farm property have Actual Cash Value or Replacement Cost coverage?

Actual cash value is typical for the outbuildings and equipment, and when a claim happens depreciation is taken into account. (Ex. Roof is blown off a smaller machine shed and needs to have a replacement done. The cost of the new roof is $20,000.00. Assuming a $1,000 deductible. On Actual cash value the age and condition would be taken into account for how much coverage would apply, so if the roof has 75% of the useful life left, the claim payment would be $15,000 for the roof and less the $1,000 deductible = $14,000 check. If they have Replacement Cost, (because the condition is good, limits are higher than with ACV, and typically a higher

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

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

It is equally important to understand the company’s reputation for dealing with claims.

Good insurance companies handle farm claims quickly, fairly and professionally. It is always a smart idea to ask other farmers in your area about insurance companies. They may even have some recommendations for you.

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

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How to

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Anti-aging Plan Deciding it is time to slow or turn back the signs of aging is a personal decision many people find themselves making. You might ask yourself, “Does this really work?”, “Is it too early for me to try this?” or, “Am I past the point of fixing this?” With so many options and products available, it can be a struggle to find the right help. Some steps can be taken by yourself, but finding a professional to help provides many more opportunities.

DIY Approach Some steps are simple, should be done every day, and do not require the help of a professional. We seem to hear this advice over and over, because it benefits our health in so many ways!

1. Protect your skin from the sun, wear SPF 30 or higher every day 2. Eat a well balanced diet and consume around 13 cups of water every day

3. Wash your face every day Professional Help Working with an aesthetic nurse practitioner (NP) is your best option for targeting wrinkles, hyperpigmentation, acne, and scarring that contribute to an older appearance. Aesthetic nurse practitioners are advanced practice registered nurses who specialize in cosmetic medical procedures to improve their patients’ appearance. Other great options for professional help include cosmetologists and estheticians who are professionals that can update your haircut, color, and style; remove unwanted hairs, and provide less invasive skin care treatments.

Find an aesthetic NP that is licensed and trained to provide the services you need. Your NP should listen to your skin concerns, take a thorough medical history, recommend

treatment options after assessing your skin and learning about your lifestyle, answer all of your treatment related questions, and provide the recommended services. Services may include Botox, dermal fillers, microneedling, and chemical peels. Aesthetic NPs can also recommend medical grade skincare products that are scientifically proven to deliver anti-aging results.

Following the plan Once you start working with an aesthetic NP on a personalized anti-aging plan, following the plan is key to maintaining the results. Wearing sunscreen daily, using recommended anti-aging products (such as a retinol), and keeping your scheduled appointments are important to continued success. When you feel better about your appearance, that confidence shines through and positively impacts the world around you.

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Choosing the Right Behavioral Health Services MARRIAGE & FAMILY COUNSELING

SUBSTANCE ABUSE TREATMENT

MENTAL HEALTH If you or someone you love are faced with such as issues as addiction, depression or anxiety, finding the appropriate treatment provider is crucial in getting the best care possible.

The good news is that there are more general and specialized treatment providers and centers available than ever before. Further, there is less stigma, more recognition and an evolving scope of treatment and therapy to help anyone who suffers from these and other behavioral health symptoms.

Behavioral health care is an umbrella term for a range of issues from depression to substance abuse, psychiatric troubles and more recently recognized struggles such as eating disorders.

Children, teens and adults alike can benefit from the inpatient or outpatient care.

Here are some things to keep in mind when looking for a treatment center.

Flexibility Good behavioral health centers will shun a one-size fits all approach to helping people.

Needs vary greatly from person to person de-

CHRONIC DISEASE MANAGEMENT

pending on the diagnosis.

A good option for less-serious issues could be short-term outpatient care that can be performed in any setting: school, office or even your home. This often comes in the form of one-on-one counseling. At the other end of the spectrum is long-term inpatient care in a hospital setting.

Most cases are somewhere in between. The ideal center will offer a combination of treatments over time that will yield the best results.

Team approach Behavior health deals with myriad problems that are often best solved with a multidisciplinary approach. Psychiatrists and psychologists are only the beginning.

A full array of medical professionals should be available if needed. A team approach can help with social aspects of behavioral issues, such as social workers, teachers, nurses and dietitians.

The best facilities create teams of professionals who work with individuals on different aspects of their problem.

Family involvement Family involvement in the treatment process can increase positive outcomes.

Some behavioral health issues, like addiction, involve emotional and stressful family situations. Healing these family wounds can be a very important step in the treatment process.

It’s important to remember that emotional and mental issues never affect just one person. Substance abuse is often called a family disease. Behavioral health issues impact many people in major ways. All those people can be involved in supporting the right health solution.

Ongoing services Continuing care is essential for behavioral health concerns. It will help keep the patient on track with their recovery.

Many diagnoses require intense treatment followed by a longer period of continuing care.

Successfully following the long-term recommendations will lead to a full recovery.

We are adult & child therapists specializing in treating clients who struggle with anxiety & depression.

Also, we provide substance abuse counseling, & trauma treatment Our compassionate & professional counselors are here to assist you in the Sauk Valley area

MM A Moeller, Myers & A S S OCI AT E S P C Counseling & Consul ting 3917 E. Lincolnway Suite C, Sterling (815) 626-8760 • www.mmaccil.com

It’s no secret there are far fewer travel agents around than 20 or even 10 years ago. The popularity of booking travel online has decimated the career field. But a competent travel agent can be a great asset. Certified travel professionals have an edge over the digital world. They work for you to ensure you’ve got the best deal and back up their bookings with personal service that can’t be achieved when booking online by yourself.

Travel agents are professionals who know every trick in the book when it comes to ensuring a trip will go smoothly. For a fee, these agents will plan every aspect of your trip, leaving it up to you only to relax. Best of all, if something goes wrong your agent will be a phone call away with a fix.

Here’s how to find a good travel agent:

SM-ST1858656 SM-ST1858656

What to Know Eleven states require travel agents to be state-licensed. Many of these states only require the agency to have a license and pay a fee. These stipulations offer no real protection for travelers.

There are some other ways you can discover if a travel agent is competent, knowledgeable and honest. First of all, find out if the agency is a member of the American Society of Travel Agents or the Association of Retail Travel Agents. Then, ask if the agent is a member of a travel consortium. Members of a consortium have strong negotiating power and will often have access to better travel deals. Then ask for references from clients and wholesale suppliers.

When you contact these suppliers, talk to the sales manager. That person should be happy to answer questions about their relationship with the agency. Of course, a travel agency should have emergency contact information that is good 24-hours a day, seven days a week. If you plan on traveling internationally, choose an

Members of the Cruise Line Society of Travel Agents can offer substantial savings or deals.

agency that allows you to contact them for free if problems arise (Apps such as WhatsApp work perfectly). It is usually best to work with only one agent. That person should have a phone extension and email. Reputable agencies have specialized email addresses. Do not trust agencies that have emails from free services, such as Yahoo, Hotmail, AOL or Gmail.

Specialized Travel Anyone traveling overseas should have upto-the-minute information about political conditions. Good agents provide their clients with such information. Since Sept. 11, 2011, regulations for entry into other countries have become increasingly complex. This is where a travel agent can be a blessing. High-rise and specialized vacations require specific knowledge and reputable vendors. Good travel agents will provide plenty of options. They will also have information about travel warnings from the U.S. State Department. Cruise passengers can also receive great deals when using a travel agent.

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But no matter what kind of travel you are doing, a skilled travel agent will have access to information about safety standards and industry reputations. They can help you steer clear of fraudulent vendors and scams. Whether you are planning a relaxing vacation or adventurous escape, your time away can be an amazing experience. Talented travel agents can provide needed guidance and support. They will take care of the details so you can kick back and enjoy your time away.

When you find a great travel agent.

If you’ve found the world’s best travel agent right in your neighborhood, throw her all your business. You won’t do better anywhere else. She can see everything the booking engines can see, and sometimes more. She’ll make a living, you’ll become a preferred customer and the world will be a better place. (Well, maybe not, but we can try.)

Karen Fisher

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25 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose a Travel Agent

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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How to Choose a Real Estate Agent First, let’s get any confusion out of the way.

A real estate agent may or may not be a Realtor, but every Realtor is required to be a licensed real estate agent.

A Realtor is simply a real estate agent who is a member of the National Association of Realtors (NAR). This allows him or her to attend industry meetings and access software and educational tools. Realtors adhere to a strict code of ethics and have solid knowledge of the real estate business.

Finding a reliable, reputable, real estate agent is essential when considering buying or selling a home. These professionals can guide you through complicated negotiations and contracts to secure you the best deal you can get.

They’ll also be able to inform you of the precise steps you need to take just before buying or selling.

It goes without saying that you shouldn’t make any property decision under the advisement of an agent you don’t trust. So, do your homework and pick an agent you can have faith will get the job done right.

Here’s some guidance in helping you choose the best agent for your situation.

social media and you want to ensure your agent has a large presence in the local area.

Sometimes agents are good at helping clients purchase homes, but not as skilled at selling them. Keep that in mind when searching for the right professional.

You might also contact local brokers or search the NAR directory online. Always work with credible, responsible agents. Otherwise you are wasting your time.

Where to start looking Recommendations are one of the best ways to find a qualified real estate agent or Realtor.

Ask people in your social network for referrals.

Search on social media using hashtags associated with realtors or selling homes. Many individuals begin their home search through

Communication and planning Your agent should be an effective communicator. If you are selling your home, your agent should develop an effective marketing plan, explain it to you and respond to any questions or concerns you have.

The marketing plan will probably involve

Comfort level At the initial consultation with a prospective real estate professional, focus on your comfort level while interacting with them.

Do you get the feeling they are genuinely concerned about your needs? Or are they focused on their commission? Do they know the current housing market? Can they negotiate a contract?

It is important that you feel comfortable with the agent. You must trust that this person can behave ethically and help you secure a good deal.

placing advertisements and conducting open houses to invite the public for home viewings.

If you are purchasing a home, the agent should listen to your guidelines and price ranges.

Above all, your real estate agent needs to provide updates on progress. Do not work with someone who does not return phone calls or emails.

More resources To get a better idea about the process of buying and selling a home, conduct some research on your own. Real estate magazines contain good information and can be a great way to start your research.

There are also a lot of good resources on the Internet such as www.Realtor.com, which is associated with NAR and which contains free, useful information.

You may find housing statistics, market forecasts and tips, but nothing beats the power of networking. You need to find people with similar interests who will help you in your endeavor.

Upon successfully buying or selling your home, keep your real estate agent’s contact information on hand.

You may want to refer other people to him or her. You may also need their services again someday.

124 E. Boyd St., Dixon 815-285-3444

Lindsey Kerley, Broker | 815-677-0240 | email: linds.kerley5@gmail.com Follow me on

Facebook at LindseyKerley, Crawford Realty LLC and

Instagram @lindskerley.realtor

Modern desktop and laptop computers are far less prone to breaking down than they used to be. Indeed, by design newer machines prohibit taking them apart lest you violate a manufacturer’s warranty.

But that doesn’t mean they never have issues or you need to ship your computer off to the factory if it does break down. Qualified repair specialists — from company experts at Apple Stores to local experts in your neighborhood shops — exist to fix what ails your machine.

Here are some things to consider if you’re looking for someone to work on your computer: Type of device Do you use a PC (personal computer) or a Mac (Macintosh)? Most computer specialists will focus on only one system. If there’s a picture of an apple on your computer, you have a Mac. If you are unsure, chances are you have a PC. PCs and Macs are quite different from each other. Choose a technician who focuses on your brand of computer.

Is your computer a desktop or a laptop system? They often have unique issues, so find someone who can work on your type of computer. Desktop systems consist of a tower, monitor, keyboard and mouse, though Macs are often self-contained with only a keyboard and mouse. Laptops are self-contained in a package that travels easily.

If your tablet or smartphone is giving you trouble, be sure to find someone who specializes in those devices.

Someone in your social network has likely had computer issues. Ask them for recommendations. You might also consult with the IT department at your workplace. They will be able to point you in the right direction.

Electronic vendors often have a help desk who can also suggest qualified technicians in your area. Or the store might have specialists on staff that can help you.

You can also use your local newspaper as a resource. Oftentimes, computer specialists have promotions and specials that can save you money.

tions to technicians for completing a specialized training program. Anyone who has these certifications has demonstrated the discipline necessary to how the ins-and-outs of these specific systems; however, that is no guarantee of a technician’s ability. In the world of computers, experience and skill carry more weight than a diploma.

Price As with most essential services, don’t automatically choose the person who offers you the lowest rate. If something goes wrong during a repair, you may have to pay additional fees to solve the problem.

But that doesn’t mean the highest priced vendor will offer you the best quality or service.

Small shops and individuals typically have the best deals because they don’t up sell you on services or software that you don’t need.

Experience The ideal specialist is someone who has successfully fixed many computers. You don’t want someone using your machine for on-the-job training.

Ask how long they’ve worked on computers and how they keep up with new innovations.

Experienced specialists attend seminars or classes to learn about the latest operating systems and hardware.

Training and Certification Microsoft and Apple give software certifica-

We stand behind our work!

Make a Personal Visit Visit the computer repair shop where your potential specialist works.

Be wary of sales representatives who might try to sell you a new product rather than fixing the problem. Ask to meet with the technician who will work on your computer.

As you describe the problem, watch the technician’s response carefully — both words and body language. Do they speak knowledgeably and in a way that instills confidence? If not, take your business elsewhere.

It is important that you feel comfortable and confident handing your computer to the specialist.

When you find the right mix of experience, skill and price, you can rest easy that the problem will be solved.

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COMPUTERS (815) 288-4695 734 N Galena Ave, Dixon, IL

27 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose a Computer Repair Specialist

How to Choose a Gym

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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If you’ve made the decision to get in shape, joining a good gym can help you achieve your goals. Most popular gyms offer a variety of equipment, training circuits and activities.

Some even offer extras such as pools and tanning beds. Gyms are also a great way to have fun and meet people. But many people avoid the gym simply because they don’t fit the profile of the average gym-goer.

No one was a fitness model the first day they set foot in a gym. Don’t worry about feeling out of shape on your first day, there are plenty of gyms out there where you won’t feel intimidated. Experts at the facility will be happy to educate you about nutrition and wellness.

Gyms can also benefit your mental health. A good workout releases endorphins, improving your mood and fighting stress. Exercise also increases energy levels and improves sleep.

Building muscles helps you burn calories more effectively. Consistent workouts lower blood pressure while reducing the risk of some types of cancer, osteoporosis and Type 2 diabetes.

People often have a hard time forming good fitness habits. Fitness regimens can be difficult to maintain. We often create excuses or our schedules simply don’t permit time to exercise.

It can be hard to stay motivated. But committing to a gym membership and taking advantage of available workout options can help you develop better habits.

Joining a gym will help cure the boredom you might feel when working out. These facilities have a variety of equipment, programs, classes and teachers. You can alter your workouts easily and keep exercise interesting.

Once you’ve decided to join a gym, the number of choices can seem daunting. Gyms should be inspiring places. You will need to feel comfortable and motivated to keep coming back.

The right facility for you might not be the right place for someone else. Each gym has different classes, programs, amenities and services to help members work on their abilities and goals.

Personal trainers can be especially helpful if you need instruction or encouragement. Each trainer will have his or her style of communication — from mild and uplifting to severe and harsh. They will help you map out realistic goals that are tailored to meet your individual needs.

A good personal trainer will offer a health assessment before working out with you. He or

she will understand your physical limits and then work to expand those boundaries safely.

He or she will constantly ask you to do just one more rep, one more minute on the machine. If your trainer seems without compassion or pity, it is only because he is pushing you for your own good. These professionals will also give advice on nutrition, effective gym routines and proper stances for weight training.

If you have health restrictions such as joint pain, low-impact workouts are available. One such low-impact workout is Pilates, as it uses smooth motions and gliding actions to tone muscles and improve flexibility.

Many gyms have a pool. They might even offer aqua aerobics. This comprehensive workout uses the water’s resistance for extra toning. It is usually very safe for people with joint pain.

If you can find a private instructor, you can get an excellent workout involving both cardio and endurance training.

When choosing a gym, remember your future goals. Whether you opt for the services of a personal trainer, or participate in a Pilates, weight training or water aerobics class, your aim should be to improve constantly and have fun.

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You keep your car clean. Maybe wash and wax on the weekends, run it through the car wash and vacuum at times during the week.

But sooner or later, you’ll notice your vehicle has lost its newness.

Dirty floor mats and carpets, hardto-clean cracks and crevices and a dullness to the outer sheen of your car will steer you toward choosing an auto detail shop to return it to like-new.

Because your car is valuable, you’ll want to choose a shop that performs high-quality work with pride and professionalism. Here are a few tips: Perfectionism While the specialized tools and cleaning agents a detail shop uses can make a difference, the people who do the work will have the biggest impact on how happy you are when the job is finished.

In short, you want to find a shop that employs the pickiest people you can find. They ought to be perfectionists about cleanliness, making sure every speck of dirt is removed and each out-of-the-way spot in your car gets a thorough cleaning.

When the best shops are finished detailing a car, you can see the pride in their work. Check out examples of cars and trucks they’ve detailed recently and see whether it matches your expectations. If they’ve done a good job, the vehicle should smell fresh and look just as clean as it did when it came out of the factory.

Thorough service Look for a detail shop that offers a thorough

range of services, from washing and waxing by hand to complete interior detailing.

Oftentimes detail shops will offer different packages based on what you want done and how completely you want the car cleaned. You could get a quick exterior wash and dry, for example, or a simple vacuuming and dusting of the interior if that’s all it needs. And for the best results, you can get a top-to-bottom cleaning that will keep your vehicle looking at its peak.

Look for a detail shop that does nearly all the work by hand, especially when washing and waxing. No machine can match the level of perfection and personal touch that can come from a highly experienced, hand-waxed finish using high-end waxes or polishes.

A good detail shop will stay incredibly busy, too, especially on warm weekend days when everyone wants to be out on the town and looking their best. Long lines can be a good sign, but that also means you might want to schedule your car on a slower day when it can be finished faster.

Ask your friends and family members whether they’ve used any local detail shops in the past.

They’ll be able to tell you their experiences — both good and bad — and steer you toward the places that offer the best service in your area.

In the end, a good detail shop can help you get the most from your car. It will help maintain the finish and value of your vehicle, look classy while driving, and for people who use their car in business, leave the best impression with clients.

Variety of Vehicles It’s a good idea to look for a detail shop that works on lots of vehicles similar to yours. The best ones will often handle all types of vehicles — everything from tiny sports cars to 18-wheelers — and will know the best ways to take care of the various finishes and materials in your specific car.

Offering complete car packages from basic to in-depth detailing and everything in between.

Call to schedule your appointment

815.632.3201

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29 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose a Auto Detail Shop

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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

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

Research online for advisors in your area. Your local newspaper will likely have advertisements for local advisors. Remember to research each advisor with an eye toward your own situation and goals. Once you have a list of three or four possibilities; look closer at each choice. It might be a good idea to pick a financial advisor who is a certified financial planner. A certified financial planner has passed rigorous exams in order to obtain a certificate.

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

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

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

Weighing risk is essential. Some products will

undoubtedly be better for your portfolio than others. An experienced financial advisor can customize a portfolio especially for you.

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

Rate of success Success rates will also play a prominent role in your decision. Look at the rate of success for each advisor. Has the rate of return on his recommendations outpaced the average market rate of return over time? An advisor with a solid rate of return conducts research to strengthen his clients’ portfolios.

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

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

good to be true.

Fees or commissions Inquire about how your advisor is paid for services. Most offer fee-based or commission-based services. It will greatly influence your selection. A commission-based advisor is prone to suggesting financial products that offer a professional commission. It could needlessly increase your exposure to risk.

Only use a commission-based advisor if he or she has a proven track record of success and also has your best interest in mind.

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

Interview Once you have narrowed your prospects to two or three possibilities, schedule a meeting with each professional. During this consultation, communicate your goals honestly and clearly.

A financial planner should be someone who will guide and inform you. He or she will continually increase your knowledge about your current financial situation and how to improve it.

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

This document should have your short-term and long-term goals, and also state who else will profit from the proposal. This plan should be written clearly so you completely understand it. Once everything has been completed to your satisfaction, you can choose a financial advisor. Then you can comfortably relax and know that your money and future are in good hands.

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www.NicklausFinancialService.com Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Wealth Planning Tax Planning Social Security Planning

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Faster service will cost more money. Compare prices from several different providers to get the best deal.

You should know the upload and download speeds for each price point. The higher the speed, the better the service.

We’re a digitally connected society, so internet service is vital to everyday life. But choosing the right provider can be confusing. Wading through the prices, packages, bandwidth and installation can be tough to find the right speed and plan.

While some communities have little choice in providers, others have many. Either way, it’s good to know the basics before you buy. Making the wrong choice can mean the difference between satisfaction and frustration.

Whether you are moving into a new home or dissatisfied with your current service, keep in mind these factors when choosing an Internet service provider.

Price Cost is an important consideration when selecting a provider. Most companies charge in monthly increments, so decide what price range best fits your budget.

Type of connection Types of connections play an important role in selecting an internet service provider.

Broadband connections are the most popular types of connectivity. It allows you to receive highspeed service by using a modem, mobile phone or a coaxial cable.

Satellite and fiber optic connections are also making headway in some cities.

DSL is another kind of connection that uses a landline phone.

Finally, there is dial-up connection. While it was very popular years ago, only a few places still have dial-up services available. Dial-up speeds are very slow by today’s standards, but these connections may be the only option in some rural areas.

Purpose of connection Make a list of what you need to accomplish on the internet.

If you want to stream movies, study online or telecommute, you will need the fastest connection possible.

However, if you simply want access to email or basic websites, you might be able to settle for a slower, cheaper service.

Determining the purpose of your connection will prevent you from being disappointed in the service or your bill.

Specials Many Internet providers offer specials or bundles to new customers. They may give you free service for the first few months, free equipment or upgrades. Bundles package internet with phone and cable TV services.

Look closely at providers in your area to find a package that suits you. If you have cable or satellite TV, you might be able to get a special discount if you purchase your internet service from the same company.

Also consider your cell phone provider. Sometimes, your mobile phone company might have a package deal for residential internet service.

It is all about figuring out what’s best for you.

Customer service Last but not least in your choice is customer service. Read reviews of each company. Find out how long each company keeps their customers on hold.

Also, look at how many outages they have.

Does the company fix problems on a timely basis? How do they handle defective equipment?

Studying each company will ensure that you will have no surprises after signing a contract.

Once you have conducted the proper research, you will have a better idea of which company will meet your needs.

If possible, sign up for a provider on a trial basis. If you are unsatisfied with the service, connection or products, you can cancel it without paying a penalty.

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COMPUTERS (815) 288-4695 734 N Galena Ave, Dixon, IL

31 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose an Internet Service Provider

The Joy of Antiques

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

HOW TO

32

Those who seek out and collect antiques are driven by at least one of two passions: for the objects themselves and what they might mean to an individual or their interest in history, or they recognize their value and hunt antiques in order to connect with a collector. Sometimes passion and profit collide.

But there’s no denying that antiques and collectibles intersect at the point where nostalgia meets art in everyday things.

The character of older products and the sense of history dating back decades or generations can be inexplicably attractive. It’s because we know every antique piece has a story. Some have multiple stories embedded in the array of nicks and scrapes marking them. And we’re often free to imagine our own stories about their pasts.

Antiques don’t go out of style. No matter what the piece, there’s a good chance it will always be of interest to someone — a collector, a museum curator, a professional collector or an auctioneer.

Usually, a piece should be at least 50 years old to be considered a true antique. But just because it’s old doesn’t mean it’s an antique.

“Collectible” and “vintage” are not synonymous with “antique.” That’s an important distinction to keep in mind when shopping for authentic pieces.

Many items considered antiques are simply collectibles. View-Masters, vinyl records, spoons and even thimbles are some examples

without inspecting it.

Auction sites may be convenient, but you will have to add the cost of shipping and insurance to the price of the item. It is cheaper to find the same item at a local shop or estate sale. You can use an online auction site for research, to see what other people are bidding on the same or similar pieces. of popular collectibles that are not antiques.

Also, vintage items are usually from a certain time period, such as the 1970s or 1980s.

When looking for authentic antiques, quality, craftsmanship, manufacturer and history of the piece are paramount.

Where to find antiques But to truly find the best and most authentic deals, shopping your local antique stores is your best bet.

You are much more likely to get a better deal on an authentic piece at your local antique shop.

Local shop owners like to build a rapport with their customers and love to talk about the history of their inventory. When you shop locally, you will also have the assurance of being able to validate works before purchasing them.

Online stores and sites such as eBay, flea markets and estate sales are great places to find antiques or collectibles. They might even offer you a good deal. But unless you really know your antiques use these venues with caution. Know the difference between a genuine antique and a fake. And never buy something

Forming a relationship After you have located two or three prospective dealers, visit their shops.

If you are searching for a particular item, most dealers will try to locate it for you. If they don’t have the item, they might be able to tell you about another dealer who carries it.

Creating a good relationship with an antiques or collectibles dealer has many advantages.

Dealers can give you their assurance you that the pieces are authentic and often offer regular clients better prices. Reputable dealers can also help you find other resources, such as conferences and conventions that can help educate you in the art of finding the perfect antique for your home or office.

307 First Ave., Sterling Monday-Sunday 10am-4pm SM-ST1858636

How to Choose a Document Shredding Service

Trust and security Trust is the key word when looking for a document shredding company. After all, they will be handling your confidential papers.

Ask other area businesses which shredding company they use. Getting a good recommendation from a fellow business owner is a great way to guarantee your satisfaction with a

shredding company.

Look for a company with a long track record.

The more experience they have, the better service they can provide.

Inquire about their method of destruction. It is a key consideration, as you need to be certain

these documents are handled with great care.

Some services use a mobile document shredder for added security. They will bring the shredders to your business, which eliminates the possibility of some sensitive documents leaking to competitors. It provides an exceptional level of security.

If you are comfortable with using an off-site service, ask for references before determining if they have a high level of security.

Ask how and where waste is disposed. If your company values environmentally-friendly products, using a document shredding service that recycles can be a fantastic choice.

Certification Choose a company that is certified through the National Association of Information Destruction.

Proper certification means your documents will be handled with the utmost professionalism. A certified service takes superior precautions so that your documents will not wind up in criminal hands.

When interviewing service companies, ask about liability insurance. You need to know that your business is protected in the event something happens while your records and documents are being transported.

Take your budget into consideration.

Ask for written quotes from several companies. Comparing these prices and service details will help you understand what you are paying ahead of time.

When choosing a document shredding service, always consider confidentiality and safety first. The lowest price quote will not always be the best. Remember, the reputation of your company is at stake. Select a company that makes you feel comfortable. It will leave you and your company feeling more secure and satisfied.

Don’t take chances with your company or personal identity. With identity theft growing daily, you need to take every precaution to protect yourself and your business.

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HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

We all have sensitive personal documents containing valuable information, but over time much of that paperwork becomes obsolete. If you own or run a business, that trove of financial and personal documents quickly piles up, and disposing of it thoroughly and securely becomes a priority.

Confidentiality is important, particularly for businesses in competitive industries.

That’s why a good shredding service can be a major help in keeping fraudsters and potential spies from viewing your business documents.

Some businesses handle their business documents by throwing them in a public trash receptacle or using a compact shredder. These options are not reliable.

A compact shredder breaks easily and is also cumbersome to manage.

Shredding services will handle confidential paperwork easily and efficiently.

Medical professionals, attorneys and banks are particularly in need of shredding services. If sensitive, confidential information is leaked, your business could be legally liable.

Why risk a lawsuit? A good document shredding service will help you avoid the hassle and scare of being vulnerable to lawsuits and crime.

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Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

HOW TO

How to Choose an HVAC Company Business Bureau, your state’s board of contractors or the builders’ association to check on their reputations. Your town’s building inspection office may also have information for you.

Avoid companies who have many complaints on their record.

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

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

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

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

Create a list of candidates and call the Better

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

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

Reputable HVAC companies will usually belong to recognized professional and trade organizations. Some well-known organizations include the American Society of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, and the American Society of Heating, Refrigeration and Air-Conditioning Engineers.

Membership in one of these organizations is

not automatic. Applicants are required to have certain certifications, meet professional standards and meet or exceed other requirements before they are admitted.

Before any work begins, verify that all the required building permits are in place. Most companies will file permits on your behalf at the local building codes office. But don’t assume that it has happened. Check with the permitting office first. Work done without proper permits could result in a fine and time delay.

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

The HVAC company shouldn’t use the old unit to determine the proper size of a new one. If your old unit was inadequate, you will want to install a unit that is a different size. Speak with your HVAC installer to determine the right size and model for you.

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

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

24-Hour Service • Fully Stocked Inventory

SM-ST1860737

How to Choose a Pool or Spa

35 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

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 means 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.

pain. The water suspends your tired muscles in weightlessness, allowing them to rest. People with chronic back problems often report relief.

Everyone has a different reason for installing a home spa, and manufacturers are happy to accommodate your requests.

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.

You can purchase a home spa with a media center, along with therapeutic and LED lighting. Watch your favorite DVD or TV program while relaxing in the tub.

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

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, man-made waterfalls and landscape detailing will make your pool into a private oasis.

Before purchasing your pool, decide whether you would like an in-ground or above-ground pool. Above-ground pools are less expensive, but many people prefer the durability and overall look of an in-ground pool. Take time to think about your decision. After all, your pool is a major investment. It will be a part of your home for many years.

Consider the landscaping around your pool.

There are many possible finishes for the decking alone. You can also choose the materials,

Sales, Service and Installation Spas, Aboveground & Inground Pools

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Jim and Cary McCue 1702 Westwood Drive Sterling IL 61081

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?

Poolside Pools & Spas phone: 815-626-6120 fax: 815-626-6125 email: poolsideps@gmail.com www.poolsidepoolsandspas.com

How to Choose an Acupuncture Provider Choosing an acupuncturist is unlike choosing any other health care provider. While you many know that the practice is part of Chinese medicine, beyond that an acupuncturist’s qualifications aren’t nearly as well-known as those of medical doctors or even chiropractors.

And although the practice has become more widely known and accepted, the practice of any medical care in the wrong hands can be dangerous so it pays to educate yourself before you go looking.

The Eastern medicine practice goes back as much as 5,000 years and is defined as the natural healing force uniting the universe and the body in terms of two opposing forces, the “yin” and the “yang.”

By inserting small, mostly painless needles into various pressure points, the body is brought back into its proper balance.

But the value of acupuncture isn’t just an Eastern myth. For many years, Western physicians have confirmed that acupuncture can help relieve chronic pain, migraine headaches, fibromyalgia and osteoarthritis-related symptoms, among other stresses. Researchers also believe it’s valuable in the treatment of post-traumatic stress, depression and anxiety, as well as control the side effects of chemotherapy.

In short, this once derided therapy now ranks among the top non-medical, non-pharmaceutical medical treatments with proven benefits.

How to Find a Skilled Acupuncturist Increasingly, most medical doctors understand their patients desire to seek alternatives to traditional methods of treatment. It is now

not uncommon for physicians to recommend acupuncture as either a primary or additional treatment when confronting pain in all its forms. You may want to check with your insur-

must use sterile, one-time-use needles, and work in a safe and clean environment.

• Ask to see the rooms were sessions take place and make sure standard medical cleanliness practices are adhered to, such as clean hands, covered tables and properly disposed needles.

• Don’t be afraid to request a consultation, just as you would with any healthcare provider. Acupuncture specialists should understand the concerns of prospective clients and should be willing to discuss your options ahead of time.

• Any questions you may have should be answered before booking an appointment. Your acupuncturist should be able to explain the benefits and risks of treatment. Make sure you understand what their methods are and how often you will need to come in for treatment sessions.

ance provider as well, as many companies offer coverage for selected acupuncture services.

Furthermore, if you have friends or family that have undergone the procedure, ask them about their experience and whether or not they would recommend the acupuncturist they went to.

Certification is key in choosing the right acupuncturist. It indicates a practitioner’s level of training, skills and prior experience. A qualified acupuncturist will have all this information readily available.

A licensed practitioner may also offer other valuable health services, such as herbal medicine and cupping. These treatments are sometimes used in conjunction with acupuncture.

Key points to consider Acupuncturists practicing in the United States

• Look for an acupuncturist who asks you questions as well. Traditional Chinese medicine takes into account all aspects of one’s life in order to determine the right treatment, and a skilled practitioner will ask you all manner of questions, from diet to family history to daily activities.

Some of the questions may even seem odd or invasive, but they are necessary. The acupuncturist who doesn’t make any inquiries about your health, mental well-being and personal surroundings might not be the best choice.

Acupuncture in itself may be beneficial to many because when performed properly it is safe, has few if any side effects and can be effectively combined with traditional medicine.

As the ancient Chinese might advise, choose wisely and with all these questions in mind and you may find yourself surprised at its benefits.

Experience the Benefits of Acupuncture!

These are some of the conditions that acupuncture can help with: migraines, tinnitus, vomiting & nausea caused by chemotherapy, and much more!

Call us to see if you can benefit from Acupuncture!

Kirkland Family Chiropractic Center

(815) 380-2180 | 229 1st Ave., Suite 2 • Rock Falls, IL • Dr. Ashley Kirkland

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Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

HOW TO

36

How to Choose an RV

37

Heard the call of the open road? Ready for a never-ending adventure — or at least an adventure that doesn’t require hotels? Can you imagine yourself discovering America from the seat of your own traveling home?

If you purchase a recreational vehicle, or RV, you won’t have to imagine any longer. RVs combine the convenience of a vehicle with the amenities of a home, making them an awesome investment for people who love to travel.

But they are an investment, with prices ranging into the hundreds of thousands of dollars for the most complex models.

If you’re in the market for an RV, you’ll want to work with a dealer who can properly assess your travel need and find one that fits perfectly into your budget.

Your first step in purchasing an RV is to ask yourself what you would like to do in your recreational vehicle. Are you using it to travel the country? What sizes and styles do you prefer?

Are you partial to purchasing a new or used RV? Consult resources to help answer these questions. Use the internet to browse RV brands and styles. There are numerous message boards for

RV owners that contain useful information.

The best way to learn about recreational vehicles is to speak with owners themselves. If people in your social network own an RV, ask about their vehicle. Look through the interior; examine various options so you can understand what is available.

Another factor is size. If you are only planning to use it sporadically, then size might not be an issue. But if you plan on living out of the vehicle for extended periods of time, then a larger RV may be more comfortable. Some RV parks have restrictions on size, so be sure to verify what sizes are generally acceptable.

Potential RV buyers don’t usually think to ask for a used vehicle report. However, you should know the history of your used RV before purchasing it, as it could have had extensive damage. Remember these are traveling homes with many amenities not found in other vehicles — and just as many things can go wrong with them.

Incentives such as free upgrades or a good financing rate may be enticing, but you should always be skeptical about the deal that comes with them.

Try to bring a fellow RV owner with you to the dealership. Most people are happy to share their thoughts and experiences with you. It is a good way to ensure you are getting a fair deal.

Additional features can make your ride enjoyable. Think about whether you would like a full-service kitchen or plasma TV. Choose items that would make your trip as comfortable as possible.

The best dealers have an on-site service department or contracts with reputable RV repair shops. Some RV repairs are specialized and different from regular vehicles. You will need a service shop that will accept your warranty in the event your RV is ever damaged.

Once you have become more acquainted with the marketplace, start visiting RV dealers. After all your research, you should be able to speak with the salespeople clearly and confidently.

With a little effort and time, you will find a fantastic deal on an RV best suited for your needs.

Then, you can spend time in your vehicle enjoying the scenery.

2109 Industrial Park Road Rock Falls, IL

815-626-7878 • 866-626-7878 (toll-free) Like us on Facebook

SM-ST1858961

HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

If you plan on purchasing a new RV, look for a dealer who offers a factory warranty. Dealers who sell used RVs should also give you a factory warranty along with a used vehicle report.

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

HOW TO

38

How

to Choose

a

Shop

Tire

Too often, we don’t check the tires on our

dry land. High-performance tires are good for

result, pull-offs are almost new. Does your tire

vehicles until something goes wrong — and

driving at high speeds. If you commute a long

shop guarantee pull-off tires? If a dealer sells

that’s usually at the most inconvenient time

distance, be sure to choose high-mileage tires.

new and pull-off tires, the tire installer may not

and place. So taking time to regularly check the

realize that each tire must replicate the way it

air pressure and tread of your tires, along with

Choose an Outlet

was installed on the previous car. Failure to do

balancing and rotating them at intervals, can

There are a variety of ways you can purchase

so will result in the steel belt breaking through.

ensure your road time will go smoothly. When

tires. They are available through national

When tires have had the worn treads replaced,

you detect issues, it’s time to get to the tire

chains or a local auto shop. You may even buy

they are called retreads. A factory buffs the

store.

them online.

old tread and attaches a new one. Inspections

Here are a few things to consider next time you

Buying tires in person allows you to inspect the

ensure the casing is strong enough to hold a

put tires on your car.

tires. You can see exactly what you are getting.

new tread.

When you purchase tires online it is difficult to

If you are on a budget, pull-offs and retreads

Choose Your Budget

judge what you are getting.

are great choices.

Cost should play a role in your decision-mak-

National chain stores usually guarantee the

Anyone who purchases used tires should in-

ing process. Figure out what you can afford to

product. They might be more costly, but buying

spect each tire thoroughly. Bubbles, holes, cuts

pay for tires. It will stop you from wasting time

them from a big store may give you peace of

and metal showing are a sign that you should

at expensive shops. Hopefully, you will only

mind. Local shops will likely be more inex-

not purchase the product. It may not be safe.

need to buy tires once a year; depending on

pensive, and you might get more personalized

how much you drive your car.

service.

Check out the Shops

Ultimately, your choice should fit your priori-

When you visit a shop, look at their products

ties and budget.

and meet their employees.

Choose Type of Tires When selecting tires, consider the climate you

You should feel as though the salespeople are

live in. If it is dry and warm, then a standard

New or Used

trustworthy and knowledgeable. Once you find

tire will be fine. But if you live in a place that

Some people don’t mind purchasing used tires.

a good tire shop, you will likely return again for

gets a lot of snow, then you will want a better

Pull-offs are tires that came with a new car, but

other products. It is important that you develop

grade of tires. Snow tires are good for snow or

the new car buyer wanted custom tires. As a

a good working relationship.

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Shopping is easier when you know what you’re looking for – especially when it comes it meat.

Gazing at the meats available at your local grocer, you may able be able to identify the simpler choices (hamburger, certain steaks).

They’re all labeled of course, but there’s no real guide to which are the best cuts of meat.

If you don’t have access to a local butcher, the following tips can help you through the process of finding those cuts.

1. Choose the right cut of meat for your recipe.

Consider how you are cooking the meat and what you want your result to be. Traditionally barbecue uses less tough cuts and cooks them slowly until they become soft and tender. A brisket can become delicious and tender if you smoke it slowly over low heat for hours. A Porterhouse or T-Bone are best cooked over high, direct heat for a short time.

3. Examine the color of the meat to see how red of the color is.

Meat browns quickly when exposed to air. If you fin bright-red meat without additives used to preserve that vivid color, then it is an ultra-fresh cut.

Novice cooks might start with a cheaper cut of meat, such as a sirloin steak for grilling.

Once you have practiced your grilling skills, work your way up to expensive meats such as New York Strips, T – Bones, Filet Mignon and Porterhouse. Ultimately, it is the quality of your cooking skills, coupled with your selection of meat that will make a great meal.

2. Consider the density or toughness of the meat and its fat content.

Density can be hard to ascertain, so usually the cut indicates the density or toughness. Meats culled from different areas of an animal tend to be more or less tender.

Marbling – small streaks of fat running through the cut – can sometimes tell you about the fat content. Many people think marbling gives the Steak its best flavor. However, the quality of the marbling is important. Thick and consistent cuts of marbled meat would need to be slow – cooked to release the flavor and small, thin ribbons of fat are usually excellent for a traditional steak cooked over high heat.

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Where Fresh and Friendly Meat

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39 HOW TO Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

How to Choose the Best Cuts of Meat

How to Go Green in Your Community

Sauk Valley Weekend / SaukValley.com • Saturday, February 27, 2021

HOW TO

40 If you’ve already “gone green” at home, imagine what it would be like for your block, neighborhood or entire community to become more sustainable. Green communities exist in many places in the United States and more are popping up as protecting our environment becomes a national priority.

Eco-living for an entire community is a challenge and takes commitment. It won’t happen all at once, but taking small steps will show others the positive impact and encourage them to join the effort.

Here are some tips for making going green a simpler task: Recycling Communities throughout the country have programs to recycle glass, plastic and paper products. In many communities, you only have to leave your recyclables in the proper bins to begin recycling.

During trash pickup days, sanitation companies will collect everything for you.

It doesn’t take much work, and the benefits are huge.

If you are already recycling, be sure that you are using the program to its fullest.

While you may be recycling bottles and cans, check to see if you can recycling paper products as well.

Other people start compost piles in the backyard to recycle raw materials. It costs nothing and can also provide nutrients for the soil.

Consider purchasing products made from recycled materials. You can find stationary, furniture and even clothing made from previously-used materials.

Compact fluorescent bulbs Compact fluorescent light bulbs, or CFLs, last longer than traditional light bulbs. They use less heat and energy. That means you will save money on your electric bills.

How to avoid recycling contamination

Although the bulbs look odd, they will pay for themselves quickly.

Of course, turning off lights is also a fantastic way to use less energy. Encourage your family and friends to do the same at their house. It will help them save money on their energy bills.

Efficiency audit Getting an expert to look at the efficiency in your home is a great way to go green. It will reduce your carbon footprint and help you save money. An efficiency audit will tell you about heat and energy losses. These specialists, sometimes employed by electric companies, can also recommend options to boost the efficiency in your home. They might suggest sealing ducts, doors and window. You might be advised to replace old appliances and furnaces.

Be sure to use a professionally trained auditor knowledgeable about all aspects of energy usage.

1. Know what to throw

Cardboard, paper, metal cans, plastic bottles and jugs

Limit speed How you drive your car can have an impact on the environment. Driving within the speed limit will limit your gas usage. It is also safer.

Decreasing the amount of gas you burn results in fewer pollutants being released from your tailpipe. Many experts advise driving 55 miles per hour for maximum benefit.

How you accelerate is also important. Flooring the gas pedal burns more fuel and creates substantially more fumes.

Also taking public transportation is a great way to go green. Riding a bike will help the Earth and your waistline.

Volunteer Volunteering with like-minded groups will also help the environment.

Groups such as the Sierra Club are dedicated to environmental preservation.

They need volunteers.

Becoming involved with a group will help keep you abreast of new information and trends. It is a fun way to make friends. When people join together, they can have a greater impact.

Going green is fun and cost-effective. Making small changes every day will take hardly any effort, and it will be worth it in the long run.

Simple as 1-2-3 2. Empty.

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SM-ST1858955

What to Look for in an Assisted Living/ Sheltered Care Center

Personal care Ask your loved one’s personal physician how much care is required to function safely. The doctor may even be able to guide you toward an appropriate facility. Be sure to seek advice on what qualifications and certifications you need to look for in the center’s staff. The center’s employees should be well-qualified to handle medical needs.

If you monitor medical care, you can avoid paying for extensive services that your loved one may not need. Understanding the care the person requires will help you find a center that is a good fit.

Amenities Accommodations at these centers can range from luxurious, detached cottages to cozy

condominiums or smaller apartment-style rooms. It all depends on what you are looking for, what you can afford, and what is available.

As you visit the facilities, try to personalize each space. Imagine how your loved one’s belongings might fit into the area and where decorations will be placed. Does the atmosphere bring about a feeling of peace and tranquility?

How are the rooms decorated?

Are they tasteful and soothing, or do they remind you of a hospital setting?

Look at the home amenities and consider how you would feel about living there. Would you want your loved one living there?

Is the facility within your budget?

Recreation and activities Game and meeting areas can help the resident make new friends and keep them from feeling alone and lonely. Leaving the confines of their units is an important part of improving quality of life. Make sure the center offers activities and space to occupy your loved one’s time.

Quality facilities will have activities that match his or her hobbies. If your family member enjoys crafts, then look for a center with a designated craft area or classes for your loved one to enjoy.

Gardens and landscaping The landscaping of an assisted living/sheltered care center can give you a good indication

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With Americans living longer than ever, the need for assisted living/sheltered care centers has also grown and the industry has responded. But because the type of care seniors require varies, finding the proper facility means locating a balance between appropriate levels of care, comfort and access.

In the past, long-term care could only be handled by a nursing home. Living in a hospital setting for an extended time was not a pleasant environment. Times have changed dramatically. In addition to on-site medical care, many assisted living/sheltered care centers can appear more like upscale apartments, offering dining, travel, activities and personal freedoms.

But not all assisted living/sheltered care centers are alike. The decision to place a relative into such an environment warrants close scrutiny and research.

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about the quality of the facility. A well-maintained lawn and garden is a positive sign.

If the prospective resident enjoys spending time in nature, look for a facility that has parklike areas. Some centers have community-style gardens and walkways for residents.

Just being able to experience nature as it grows and changes with the seasons can be uplifting and soothing. An assisted living/sheltered care center with a manicured lawn and garden can make a huge difference in the quality of life for a loved one.

Choosing an assisted living/sheltered care facility is about finding the right combination of medical services and amenities. With research and thought, you will find the perfect place to bring comfort and care to your loved one.

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Skilled nursing facilities were once known simply as nursing homes, but they’ve advanced over time to include a wide range of health and personal care services besides standard nursing care.

Along with round-the-clock care and supervision, patients and clients at these facilities can receive rehabilitation services, therapy and assistance with daily activities.

Some people stay at a nursing home for a short time after being in the hospital.

After they recover, they go home. However, most nursing home residents live there permanently because they have ongoing physical or mental conditions that require constant care and supervision.

A skilled nursing facility is usually much more skilled and regulated than an assisted living facility. That’s because the staff at skilled nursing facilities provide and administer prescription medications. Assisted living facility staff does not usually have the same authorization.

If you’re searching for a skilled nursing facility for a loved one you have hundreds of options to pick from. The problem is, it can be difficult to sort through all of your options. Your best choices are facilities that have high scores from state agencies such as the nursing-home regulatory agency or department of health.

The nursing staff in these facilities are required to complete a formal certification process.

As a result, Your loved one will need reassurance that he or she will be safe and well taken care of by a highly skilled nursing staff.

How to Choose a Skilled Nursing Facility for Your Loved One

Select a facility close to your loved one’s family and friends. It should be easy to see your loved one. Frequent visits will help ease the transition from independent living to a skilled nursing environment.

You can form an accurate opinion by visiting several facilities. Reputable centers will have no problems with scheduling interviews with staff or giving tours of the living areas and grounds. If a facility doesn’t allow you to see these areas or have a meeting with the director, it should be dropped from your list.

Cleanliness, cheerful decor and happy residents neatly dressed are symbols of a quality facility.

Speak to current residents and their families to get a good assessment of the facility. Family members will likely provide the most unbiased and unvarnished opinion of the facility.

Most high-quality skilled nursing facilities are significant investments. They provide a much higher level of care and so they cost more. Talk with an attorney who specializes in nursing facility cases for advice on cost, as well as quality of care.

The decision to put your loved one in a particular facility is not permanent.

If your family member is not receiving good care or shows signs of abuse, you have the right to remove him or her.

Frequent visits are important so you can monitor the health and well-being of your loved one. See him or her at different times of the day to verify the level of care.

Take all the time you need when searching for a skilled nursing facility.

Putting a loved one in a facility can be difficult and emotionally challenging. Finding the best one you can afford will give you peace of mind.

We now have Assisted Living Apartments available!

Call or email Jamie at 815.772.4021 jamiet@resthavehome.com for more information!

Resthave Home is an equal opportunity provider and employer SM-ST1860726

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Finding the right insurance agent isn’t as simple as choosing the cheapest policy. A good insurance agency is an advocate for your needs and represents your interests in covering your health, home, auto and other insurable valuables. They’ll guide you through the maze of options available to you and help find policies that protect you and your budget.

Unfortunately, not every agent is the reliable, reputable agent professional you’d hope. It’s important to make sure you vet your agent prior to opting into the coverage they offer.

Your financial future depends on finding the right person to help you get insurance that will fit your needs.

Here’s some guidance on how to find the best agent or broker for your needs.

Ask for Referrals Family, friends and colleagues have likely worked with insurance agents in the past. Ask people you trust for referrals. If you receive a recommendation, it is because that person has had a positive experience. There is a strong likelihood that you will have similar results.

Good agents understand that offering great service will keep them in business. Their

careers depend on word-of-mouth. If you are happy with the service you receive, your insurance agent will appreciate your willingness to send business their way.

Research If you do not have recommendations, begin researching your options. Begin by looking at local companies and brokers. As you conduct your research, be thorough and critical. Buying a policy is similar to purchasing a new car or home. It truly is that important.

Select a company that is highly regarded by consumers. Read reviews of each company to determine who has the most satisfied clients.

Are they easy to work with? Have there been any problems with collecting on a policy?

Also, check that any prospective agent has all necessary licenses and training.

Interviews After narrowing your list of prospective agents, make an appointment to visit each one. Prepare a list of questions and concerns about your personal situation. Take notes during your meeting. Remember that you must feel comfortable with the answers before purchasing a

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If an agent tries to pressure you into making a decision right away, inform him that you need more time and cannot sign anything immediately.

The right agent will let you take as much time as you need to understand the implications of each policy. They will give you useful information and not subject you to high-pressure sales techniques.

Your agent should be available. The relationship doesn’t end once the sale is completed.

Your dialogue should be continuous. The best agents are available in the event you have to file a claim.

Agents who have been in business for many years likely have a good reputation and track record. They understand the policies and will even take extra care that you are properly protected.

It is essential that you choose the right type and amount of insurance to adequately protect yourself and your financial future. The policy should be tailored to fit your specific needs.

A seasoned, skilled insurance agent will be an invaluable resource for safeguarding your future.

Robert Maltry, Agent 709 N Brinton Ave Dixon, IL 61021 Bus: (815) 288-4206 bmaltry@amfam.com

American Family Mutual Insurance Company, S.I. & its Operating Companies, American Family Life Insurance Company, 6000 American Parkway, Madison, WI 53783 ©2020 ~017720 – 1/20 – 13804824

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Selecting the Right Insurance Agent for Your Needs

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How to Choose Tractors and Farm Equipment

Owning a farm comes with huge responsibilities, not the least of which is upkeep and maintenance. Fields require mowing, fences fix and large piles that require moving and disposal. Choosing the right tractors and farm equipment can make these duties less of chore.

That’s why you want to make sure you’re getting the highest quality bang for your buck when purchasing tractors and other farm equipment. You want to get a good deal, but remember that cheaper isn’t always better.

After all, you’re making an investment in a valuable asset you’ll be using around the farm for decades to come.

Here are a few keys to consider.

Durability Tractors are engineered to do a very specific task, and their longevity and durability usually — but not always — will vary with the cost.

That’s why it’s important to find the right tractor to fit the job you’re doing. Buying equip-

ment that isn’t built to last will end up costing you more in the long run.

The brand’s reputation should factor into your decision. Look for online reviews and talk to farmers you respect about the brands they use.

Also, visiting a retail location and talking to knowledgeable salespeople will also help you narrow down your choices.

Keep in mind that while there are plenty of low-end, affordable tractors out there, few have a reputation for durability over the long haul.

It’s more economical in the long run to choose a well-built model from a reputable manufacturer.

The Right Fit Tractors and farm equipment come in a wide range of capabilities and price points, from affordable models designed for home use to multimillion-dollar, state-of-the-art automated machines. In between those extremes, you’ll find a vast mixture of features and capability.

You can select the right model by asking yourself how you’ll use the equipment. The size of your farm is important, of course. Bigger farms need larger, more capable equipment to operate at the highest level of efficiency.

Remember, too, that when you buy a tractor, you’re committing yourself to a whole line of equipment. Most of today’s tractors are designed as flexible platforms that can be used for all kinds of jobs, so check on the accessories and tools that are available with each model, even if you don’t plan on purchasing them yet.

You may appreciate the choices in the future.

The Warranty Every manufacturer of farm equipment says they’re built to last, but how many of them back up their claims with a solid warranty? The warranty term and coverage can be one of the most critical considerations you weigh as a buyer.

Not only will a great warranty help you if your equipment has a malfunction down the road.

It’s also a sign of how much faith the manufacturer has in their products. Strong warranty coverage usually corresponds with products that are designed with toughness and durability in mind.

The Dealer Finally, finding a good farm equipment dealer is an essential part of the shopping process.

Look for an experienced retailer with a long track record of happy customers. The best ones will have lots of positive references in the local farming community, so just ask around for which farm stores people in your area trust.

The best retailers will be interested in building a relationship with you for the long term. You can count on them to deliver great service before and, more importantly, long after the sale is complete.

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Nobody looks forward to their car breaking down or having an accident that leaves a vehicle unroadworthy, but when it happens you’ll need to engage a towing service for help.

While many are inclined to pick the first service they can find in the heat of the moment, it’s worth taking time before such an event occurs to develop a relationship with a wrecker service. That way, you’ll know you’ll be working with a service that’s reliable, professional and trustworthy.

If you take the steps to get familiar with area wrecker companies ahead of time scenarios like this won’t be too much of a hassle.

Here’s a list of tips for finding a wrecker number to keep in your phone today.

Talk to Professionals Ask for recommendations from trustworthy people, such as your local police or sheriff’s department. Your insurance agent or mechanic might also know some great services. You are searching for an honest company who will charge a fair price.

Make sure you are not getting paid referrals.

For example, a mechanic might guide you toward a towing company he owns or that pays him for referring new customers. Getting several recommendations from different sources will help keep you from being influenced by walking advertisements.

thoroughly.

The best companies have a long track record. A business can keep operating only if it has satisfied customers and continues to do excellent work.

Ask Around Family, friends and even colleagues at work will also know good towing services. Ask around to find out about wrecker companies they’ve used in the past. Would they be willing to use them again? Did the driver arrive promptly? Was the price reasonable? How did he treat the car during transport? Was there any damage? Did the driver act professionally?

Get Price Quotes Wrecker services will consider several factors in their quotes, including the type of vehicle you drive, the distance it has to be towed and even the time it was towed — day or night.

Find out how each company calculates its rates so you know what the cost will be before an emergency. Beware of companies with especially low quotes. They may have hidden fees, inexperienced employees, old equipment or bad service.

Look for Longevity Not all companies are qualified for towing vehicles. Unfortunately, many companies are in business, but are not all that responsible.

Look for a business that has been properly licensed, insured and trains its employees

Once you have identified the wrecker services you will use, keep their names and phone numbers in a handy place. The phone numbers should be in your glove compartment, console or programmed into your phone. That way, you won’t panic if you break down.

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How to Choose a Wrecker Service

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How to Choose a Kitchen Remodeling Company 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.

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.

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.

Contacting kitchen remodeling companies in your community to get a rough idea about the cost and scope of the project you have in mind is a good place to start.

Your local home improvement store might have information for licensed contractors in the area.

Once you have compiled a list of professionals, ask them for quotes. They will likely have to visit your home to look at the room.

Estimates should be based on the total work that needs to be done.

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

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.

als, you can trust the advice.

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 profession-

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

Contact Our Designer!

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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.

Call us today for a complimentary design consultation! www.BossCarpetOne.com Dixon

329 IL-Route 2 Next to Sinnissippi Center (815) 284-3933 SM-ST1859242

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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.

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How to Choose an Event Photographer

With the advent of quality cellphone cameras, many think they can capture important events and document significant moments either by themselves or with the help of friend.

While that can be true, hiring a professional photographer can also be helpful in allowing you to enjoy the moment without having to worry about getting the shot.

Professional event photographers ensure your memories are expertly and artistically captured and perfectly preserved. They are passionate about helping others immortalize the most important moments of their lives.

Unfortunately, many people forgo the services of a professional photographer because they believe the service may be unaffordable. And they have the bad pictures to prove it.

Don’t make the same mistake. Consider the following.

Styles of photographers Even though photographers have their own styles, they tend to use one of the following three styles in their work.

Some professional photographers have a journalistic approach. They do not stage photos. Rather, they prefer to record what happens.

The second style is formal. It is a more traditional approach. These photographers take mostly posed photographs.

Finally, some photographers use a mixture of both philosophies.

Research photographers First, look for on the internet for photographers in your area. Many photographers specialize in specific types of events. Be sure that the photographers who interest you match the type of event you are holding.

Photographers usually display their best work on the internet. Remember that everyone is capable of getting a good shot every now and then, but you should see wide range of striking images that displays their capability.

You can also use a helpful tool by the Professional Photographers of America (PPA) called Find-a-Photographer. It allows you to search the PPA’s database of over 28,000 photographers (by location or by name) — all of whom are subject to the PPA’s standards of excellence in photography.

Follow them on Facebook and other social media.

Professional photographers prefer to publicize their work using the latest technology. It will give you a feeling of their portfolio as well as how busy they are.

Once you have your list narrowed down to two or three, contact them to check their availability.

High-quality photographers are usually in demand, especially during holidays and certain times of the year. It is essential to plan ahead.

You can also inquire with your social network about photographers they have used, especially if they have photos of themselves that you like.

Interview photographers When you find two or three photographers who are available, conduct personal interviews with each of them.

Explore their backgrounds and look at a complete portfolio. Ask each professional if he has ever worked with the other vendors you have hired or are considering.

Find out about his plans for the shoot. Has the photographer ever worked at that location before? Will a photographer or assistant be shooting the event?

If there are particular shots you like, communicate that to your photographer. Look through magazines and show him pictures to see if he could replicate the look and feeling.

Inquire about whether you will receive printed proofs, or if they are available through a private page for you or anyone interested in buying them.

A high-quality professional will be able to bring out the best in the subject. He will capture the essence of the moment and preserve it forever. You should be offered several options concerning poses, prints, sizes, backgrounds and other elements.

Read the contract thoroughly before hiring someone.

Professional photographers should be willing to give you a contract.

A deposit will hold your date. Expect to have it available at the signing of the contract. Also understand when other payments are due. Most photographers expect another payment when they appear at the event.

Choosing a photographer will often come down to your intuition. But don’t delay, as the best photographers are usually in demand.

And make sure you understand everything in the contract before you sign it.

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 