Guide to everything 2017

March 2017

How to Choose... THE GUIDE to everything!

How To Choose...

THE GUIDE to everything

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How to Choose... THE GUIDE to everything!

March 2017

ACCIDENT? How to Choose an Attorney All lawyers are not created equal. The right lawyer can be the difference between freedom and a criminal conviction. The right lawyer can be the difference in preventing you from losing your shirt in a divorce settlement. The right lawyer is critical to ensuring you don’t get taken advantage of in a business deal.

Don’t settle for a second rate lawyer. And don’t try to hire the cheapest lawyer you can find.

Some people try to represent themselves and end up paying more in fines or getting some jail time because they didn’t have the right kind of legal representation.

Attorneys know the law, and the loop holes that may be able to help your case. They know how to work with other attorneys and can recommend the best legal strategy for your case. They also understand how to properly fill out the correct files, forms and paperwork.

No matter what legal issue you are facing, you can find an attorney who matches your needs and advocates strongly for side of the case.

Here are some factors to keep in mind when choosing a lawyer.

References Sometimes, finding a great attorney can be as simple as asking your family or friends for referrals. If you are getting a divorce, look for people in your social network who have been through a divorce and were pleased with their attorney.

You can also ask attorneys for references. A quality professional should be able to provide you with recommendations from previous clients.

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Case History Case histories might help you gauge an attorney’s competency. Websites will help you determine a lawyer’s success rate. You can also find out if an attorney you are considering has a high settlement rate.

Ask attorneys directly about their case histories.

Any lawyer with a good track record will readily provide the information.

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Online Ratings Other websites rate attorneys. They are also a great resource for client reviews. Don’t give positive or negative reviews much credence, however.

They can be incredibly subjective. Some of the comments are not truthful. Focus on comments about a lawyer’s availability, personality and results. You should not have to struggle to get in contact with your attorney.

Always keep in mind that gruff lawyers are sometimes the best ones. While no attorney should treat you rudely, remember that you are paying for their services. Tough, even-handed attorneys can be an asset. A personable attorney is great, but if that person has a terrible success rate, move on.

Affordability Do not settle for inexpensive legal representation.

Quality should always come first when it comes to attorneys.

If you are facing a criminal case and cannot afford an attorney, ask for a court-appointed lawyer. Taxpayers pay these representatives to help people in need. A court-appointed lawyer can provide you with valuable assistance.

Also, never hire an attorney who has been disbarred in any state. And be wary of those who Consultation have been sanctioned by their state bar.

Take advantage of any free consultations. Most attorneys offer them. The meeting will allow you Relevant Issues The legal issue you are facing will determine the to discover if the lawyers is a good match for you. attorney you need. For example, people who have If you feel discomfort during the meeting, do not been arrested for driving while intoxicated will re- hire the attorney. Simply thank them for their time. quire a criminal lawyer who specializes in traffic Ask questions during your free consultation. Exlaw.

Real estate transactions are best handled by a real pect forthright answers. If you don’t feel satisfied, find another person to represent you. There are estate lawyer.

Many lawyers specialize in a variety of legal is- plenty of qualified local attorneys who will be willsues. It is vital that you hire a lawyer that practices ing to help. in the type of law you need.

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How to Choose... THE GUIDE to everything!

March 2017

How to Choose an ATV Looking to bring out the kid in you?

All-terrain vehicles, more commonly called ATVs, can be fun for both recreation and work. They provide a thrilling escape from a busy week and a great way to spend time with your friends. They are also smart tools for farmers. They help them cover a lot of ground quickly while checking on crops or animals. And if you’re a competitive sportsman, there are plenty of opportunities for ATV races and other contests.

The cool thing about ATVs is that, as hobbies go, they are relatively inexpensive. All you need is some basic equipment and gas and you’re good to go.

as well. Sport-utility quads have features that will enhance performance and practicality. These ATVs are popular because they are fun to ride.

Finally, some ATVs have long-travel suspensions, powerful engines and lightweight construction.

These machines are for sports and fun. They can jump, slide and run over rough terrain.

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TYPES OF ATVs There are several kinds of ATVs. The youth model is smaller and less powerful.

With an automatic transmission, it is designed to introduce children to the hobby.

The basic four-wheeler is an affordable choice. It is perfect for the first time ATV owner. These easyto-ride vehicles are affordable selections, but they are not ideal for deep mud or large rocks.

Utility quads will help you with towing, snowplowing or hauling cargo on front-or rear-mounted racks. These ATVs have many other accessories

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COMPETITIONS If you are thinking about becoming more involved with ATVs, consider taking part in competitions.

You can test your skills in a variety of contests, including races and endurance rides. There are even safety competitions. Look for more information at your local ATV club or on the Internet.

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GETTING STARTED But before embarking on a purchase do some research and ask how yourself some basic questions, such as if you will be using the ATV for competition or recreation?

If your goal is to compete, then you will need a higher level of equipment. On the other hand, long excursions demand greater fuel capacity and range.

No matter your goal, you should learn to ride safely and comfortably. Take a training course and always follow local traffic laws.

Get acquainted with other ATV riders ; they will help you learn more about your vehicle. Joining a local ATV club is an excellent way to make new friends and find riding partners. You can also discover local trails and listen to riding tips from experts.

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UTILITY VEHICLES SAFETY TIPS — Purchase an ATV that fits your strength, size and experience. Never let a child ride an ATV designed for an adult.

— Wear a helmet designed for ATV riders. Always insist that all members of your crew wear their helmets.

— Follow safe towing practices when moving your ATV. — Ask for permission before riding on private land.

Choosing the right ATV is a combination of finding what you like, what meets your budget, and what fits you and your experience level. Visit your local ATV reseller to see in person the different types of machines, talk to the experts and get an idea of the prices.

Many retailers will also have programs and information on ATV clubs, events and competitions.

They are a great source of information for you and your new ATV.

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How to Choose... THE GUIDE to everything!

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March 2017

How to Choose a Builder This is a great time to expand or do extensive renovations to your home or office. Putting an addition onto your home has never been more economical. Expanding your home might be cheaper than finding a new home.

Americans spend up to $15 billion each year on home improvement projects that are completed by builders.

If you are considering additions or renovations to your home or office, you will want to select a seasoned and experienced builder who can skillfully transform your existing building into your dream home or office.

Consider these tips as you search for a builder that best fits your needs.

previous client. Be sure to view the work of the builder at those locations and see if you can get any feedback from their clients.

Check the References When speaking with previous clients, ask if the construction stayed on schedule. Were there any delays other than the weather? Did the builder keep costs within budget? Also, inquire about the behavior of the crew. Did they leave a mess after the project was completed?

You will also want to check on any follow-up service. Were there any repairs or minor touch-ups required? You should receive satisfactory answers to all these questions.

Get a Contract

Determine the Budget Knowing your budget will help you determine the size of your project. Don’t make the mistake of overspending on a construction project. Usually, other costs come up after the initial bid on the project. You could end up paying for extra permits you may not have realized you needed, or materials could go up in price.

With costs in mind, have a vision of your finished project. This mental image will guide you toward finding the right builder.

Get Bids After determining your budget and plan, look for five builders. You can find them on the Internet, in the telephone book, through recommendations from people in your social network, or through ads in your local newspaper.

Solicit five bids for this project. Once you have received all of them, throw out the highest bid. The top bid is probably more than you should pay. The lowest bidder might have inaccurately assessed the job or is simply too inexperienced, so be sure to research them carefully.

Interview the Builders Schedule appointments with each builder. Communicate your vision and talk about the bid in detail.

Request references. Each contact should be a

Once you have selected the builder, you should receive a contract with the bid in writing. Read this document thoroughly so you understand what is included, and what is not.

Building contracts outline a time frame for when work will be completed. Be sure you and the builder agree on what will happen if the timeframe is not met.

Both of you should agree on the terms of completion. You should not pay the final amount of the bill until all work is finished, including receiving any necessary permits and cleanup.

This written document should also stipulate who will be working on your property. Sometimes, a builder subcontracts other companies for portions of a job. You should know the other companies and what tasks they will be doing.

Payment due dates will be listed on the contract.

It is typical to pay for the materials before the project begins. The materials should be on site before you make payment. Request a receipt for payment.

The contact should also specify when the builder will be at the site. Most builders hire project managers for major jobs.

If there is a project manager assigned for your job, meet with that person at the beginning of the project.

Choosing the right builder will make all the difference in the world. The right builder will be experienced, do quality work in the time frame specified, and keep to the budget as much as possible.

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How to Choose... THE GUIDE to everything!

March 2017

How to Choose a Home Buying a home is probably the biggest investment you’ll ever make. It is also one of few expensive items you’ll ever buy that actually goes up in value.

For most people, buying a home is a lifelong dream come true.

But purchasing a home can also be a stressful experience.

For one, there are lots of things to consider, such as location, design, amenities, school districts and much more. .

Finding a home that fits your idea and budget is vital to choosing the right house for your situation.

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New homes often have open floor plans, modern kitchens and bathrooms, “flex” When real estate agents tell you that location rooms for multiple purposes and walk-in closets. You might be able to customize your is everything, they mean it.

When you purchase a house, you are also in- home as well. vesting in a community. You should feel comOutside your house, bonus amenities include fortable in your new community. in-ground utilities, lighting, landscaping and Choosing the community and neighbor- playgrounds. There might even be a comhood is your first step. Most people want a munity pool or clubhouse. Always be aware if convenient location near shops, jobs, parks there are ongoing fees associated with these and schools. As a result, the most desirable amenities, such as homeowner’s association neighborhoods are usually the most expen- dues or maintenance fees for any community areas. sive.

To many people, the attractiveness of the neighborhood and how well it is maintained is extremely important. A community with new, well-maintained homes and yards is

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Live in a community where you can find friends and have a social life. A great house is one thing; finding that house in the right community can make all the difference.

LOCATION

Think about what you value. If you have children, perhaps you want to live within a specific school district. Maybe you are looking for a shorter commute to work. Understand that a more expensive location near your job may equal the expense of commuting from a longer distance.

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Make sure you create and stick to a strict budget. Before looking at any homes, make sure your budget is in place so you do not waste time looking at homes you may love, but won’t be able to afford.

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How to Choose... THE GUIDE to everything!

March 2017

“The Furniture Store that saves your more”

How to Choose a

Furniture Store Furniture gives your house a personality and pizzaz. It communicates a message about who you are. Given the array of choices available these days, there has never been a better time to buy new furniture. No matter the size of your budget, choosing new seating, tables and accessories can make a big difference in your daily life.

What is your particular and unique style?

What do you value most in furniture? Here are some things to consider when shopping around for furniture.

QUALITY THAT LASTS Look for a store that sells quality, longlasting furniture.

While inexpensive accessories can be bought cheaply and changed often, big furniture investments -- sofas, dining tables, and the like -- need to be purchased for the long term.

That means putting solid construction before a pretty style.

Solid construction isn’t always apparent at first glance. It should feel solid, not flimsy, of course. Beyond that, find out as much information as possible about the frame, materials, and what kind of warranty it comes with.

ger the investment, the more important the design and build quality become.

Concentrate on finding the best value. An inexpensive sofa will not be a good value if it is built with cheap and weak materials.

Likewise, the most expensive love seat will have a wise investment if the frame is not built solidly.

It’s best to look for brands with a long track record and good reputation.

SERVICE, DELIVERY Every store has a different customer service policy. Choose a store that is well known for being loyal to its customers.

Inquire about return policies. Some furniture stores will allow you to exchange an item within a certain time limit if it doesn’t meet your expectations. Learn what fees are involved if you have to return an item -- if that is allowed at all.

As well, ask about the store’s delivery policy, including how much it costs, how far they’ll deliver and how quickly your furniture will arrive.

If you are comparison shopping, factor the delivery cost when considering different stores. A low-priced couch will not save you money if it comes with an expensive delivery fee. It may be worth it to pay a little more for the couch if free or reduced cost delivery is available.

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A well-trained staff can inform you about their furniture, how they’re built and why the construction matters. The best stores have employees who act as guides and teachers, not pushy salespeople.

The bottom line is that there are only two things that matter: the quality of the furniture you are purchasing, and the level of service you receive. Once you discover them both, furniture shopping can be a VALUE, NOT JUST PRICE fun experience that that will beautify your home for many years. And you can be hapIt is best to pay more for a quality piece py and comfortable with the furniture for than to try to save money on something generations to come. that will not last in the long term. The big-

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How to Choose... THE GUIDE to everything!

March 2017

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Will Hearing Aids Really Help?

TRY BEF O YOU BUYRE .

How to Choose a Hearing Aid Tips for Selecting a Quality Hearing Aid More than 40 million Americans from all backgrounds suffer from some form of hearing loss or impairment.

Hearing aids can help relieve the consequences of this condition and ensure that the hearing impaired lead richer, fuller lives.

If you’re suffering from a hearing loss or impairment, a hearing aid may be just the thing for you. These devices are highly technical, customized to meet each individual’s needs.

Types of hearing loss vary widely, and are sometimes quite different from person to person.

Recent innovations in hearing aids include digital processors to isolate and amplify the frequencies a patient needs most. Many of the latest hearing aids are so small they are practically invisible.

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digital. They will filter out background noise, enabling the wearer to hear a conversation clearly. This technology is particularly effective in crowded settings.

This technology can be tailored to help with your particular kind of hearing loss. If you have an outdated hearing aid, consider upgrading to a more modern device. It will help your hearing be as close to natural as possible.

Options When you are searching for a hearing aid, look for special features that will enhance your hearing and your life. Some examples include: BLUETOOTH CONNECTIONS: You could connect wirelessly to Bluetooth electronic devices, such as smart phones. It allows you to hear phone conversations directly through your hearing aid.

Styles TELEPHONE ADAPTERS: This feature senses The good news is that you no longer need to when you are talking on the phone and adjusts purchase bulky, obvious hearing aids. Those the setting to make it more clear during your went out years ago. conversation.

The most popular hearing aids on the market fit completely within the ear canal. While they DIRECTIONAL MICROPHONE: You can adjust are attractive and barely noticeable, their small your device to pick up sound that is directly in size means they are typically more expensive. front of you. For example, when you are having Other styles include half-shell, full-shell, be- one-on-one conversations with a person, it is hind-the-ear and open-fit hearing aids. useful to turn the microphone to improve your Because these hearing aids come in a range hearing. You may also change the setting to a of sizes and prices, consult with a specialist more general setting that would be useful at to help you choose the right style to fit your public performances or concerts. needs.

REMOTE CONTROL: Some devices allow you Internal Electronics to adjust the settings without touching it. A remote control can change the directional miThe design of a hearing aid will make a large crophone or amplification. difference in cost and performance. Two devices may look similar but produce dramati- There are a lot of beautiful sounds in the world. cally different results.

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How to Choose... THE GUIDE to everything!

March 2017

How to Choose a Mortgage Lender Tips for Selecting the Right Mortgage Lender

Do some advance research on your loan options prior to meeting a mortgage professional. It will Looking for the right mortgage lender so you can help you determine whether he or she is truly conmove into that dream house of yours? cerned about your needs.

Move cautiously. Getting a mortgage is one task Basic knowledge about the financing process will you don’t want to do in a hurry. help you make a sound assessment about a mortFinding the right mortgage lender can be time- gage lender’s skills and abilities. consuming. You want to be sure you are dealing with quality lenders.

PURCHASER’S RIGHTS Lenders with excellent customer service can make The mountain of forms, declarations and even fithings go smoothly. But if your lender is only con- nancial terminology can be daunting to inexpericerned with his or her bottom line or making extra enced homebuyers. It is always smart to exercise money on selling loan products, use caution. care during the home-buying process. Understand what you are signing and any obligations you are The best mortgage professionals are knowledge- assuming. able about their loan products. They are willing to A signature is a permanent commitment. Some spend as much time as possible to explain them to buyers may have a very short time to back out. you. They take pride in guiding you through what Otherwise, they are liable for what is in the docucould be a confusing process. ment.

They keep your best interests and financial priori- Even if you back out during that short period, you ties in mind. will likely forfeit deposits because you broke the

deal. You might also owe an additional amount based on the total of the initial mortgage payment.

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

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

COMMUNICATE WITH YOUR LENDER The best mortgage lenders will focus on understanding your long-range financial goals.

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

SEEK LOCAL LENDERS Seeking out a mortgage lender in your community is the best option. Interest rates vary on a daily

basis. A local lender will know the rapid changes happening in the community’s housing market.

They will understand how these changes may affect you.

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

TAKE ADVANTAGE OF PERSONAL REFERRALS Ask your friends and family about their experience with mortgage lenders. They may be comfortable recommending the same professionals they used for their home loans.

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

March 2017

How to Choose... THE GUIDE to everything!

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How to Choose... THE GUIDE to everything!

March 2017

How to Choose an

Insurance Agent Selecting the Right Insurance Agent for age for the home and your contents. What is the “Form” that the agent is quoting you. The your needs: most common form used right now is the HO3.

A professional and experienced agent can help you save time and money and give you peace 6. What are the exclusions and can you add of mind. Finding the right agent can be a chal- other coverage that might be important to you lenge but here are some tips that can help i.e. increased limits on jewelry, mold coverage, water backup and damage from leaks. make the process easier: 1. Get recommendations from friends and neighbors. Ask them how long they have been with their agents and if they have ever filed claims. If they did file claims, ask them if the agent responded quickly and how soon was their claim settled and if the settlement was fair.

2. As you are asking for recommendations, also ask them about their negative experiences and make notes of which company or agent did not respond promptly or did not give the customer service that most people deserve.

It is important for that the staff members of any insurance agency or company treat their customers with respect and courtesy. They should return phone calls promptly and answer questions with educated answers.

3. Narrow your list down to agents that have five or more years’ experience in the insurance industry. Its ok if you visit an agent that just opened their business as long as the agent has been licensed more than five years. You can ask for references if you are not sure of his experience.

4.There are two kinds of agents, direct writers and independent agents. Direct writers are agents that represent only one company.

The most known direct writers are State Farm, Farmers and Allstate. Independent insuranceagents represent various insurance companies and have the ability to “shop around” with several companies.

5.Once you are in their office, take notes not only of the premium, but what the limits are on your home and what are the deductibles. Ask them if the policy has replacement cost cover-

7.Pay attention to how the agent answer your questions. If he/she seems impatient or not very knowledgeable, then they are not the agent for you.

8.If the agent wants you to sign without giving you a chance to read what you are signing, then that is not the agent for you.

9. If the agent want you to decide right away and is using high pressure techniques to close the deal, then that is not the agent for you.

10. A good insurance agent will answer all your questions patiently and goes above and beyond to explain the coverage of the proposal. He can give you options in order to save money but help you understand what coverage you are giving up.

Do you know what kind of coverage you have on your home Insurance policy?

• Do you have replacement cost coverage?

• Do you have Flood insurance?

Don’t wait to find out when you have a claim. Stop by our office and we will be happy to explain what coverage you have and what you don’t have.

Call us for an appointment.

11. A good agent will have no problem giving you an official copy of the proposal so that you can think about it and continue shopping around.

Once you have decided on an agent and have purchased your policy, read your policy carefully and compare with the original proposal.

It should be the same limits and coverage and forms. If you have any doubt or questions, go back and talk to your agent. A professional agent will always welcome the chance to meet with you and satisfy your concerns. He/she will be an invaluable resource for safeguarding your future and that of your family. Once you know that you are in the right hands, recommend the agent to other people. He/she will appreciate it and so will your friends.

Rose E Ovalle, Agent Laura Rangel, Account Executive 514 S. 16th Street, Suite A, McAllen, Texas 78501

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How to Choose... THE GUIDE to everything!

March 2017

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How to Choose

Real Estate Agent When you are buying or selling a home, it is essential to choose the right real estate agent for your needs.

The best real estate agents are energetic, positive, proactive and responsive.

On the other hand, selecting the wrong agent can cost you lots of time and money.

So how do you find the best agent for your situation? Here are some ideas to keep in mind.

®

agent. You must trust that this person can behave ethically and help you secure a good deal.

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.

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

To become a Realtor, a real estate agent has to join the National Association of Realtors (NAR).

This allows him or her to attend industry meetings, get NAR newsletters, and access software and educational tools.

Realtors adhere to a strict code of ethics and have solid knowledge of the real estate business.

These professionals have been trained well, which means they will provide you with the best service.

The marketing plan will probably involve 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.

A signed buyer’s representation agreement is a wise choice if you are looking for an agent to represent you as the buyer.

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.

Where to Start Looking

More Resources

Recommendations are one of the best ways to find a qualified real estate agent or Realtor. Ask people in your social network for referrals.

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.

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 At the initial consultation with a prospective real who will help you in your endeavor. estate professional, focus on your comfort level Upon successfully buying or selling your home, while interacting with them.

Do you get the feeling they are genuinely con- keep your real estate agent’s contact information cerned about your needs? Or are they focused on hand. on their commission? Do they know the current housing market? Can they negotiate a contract? You may want to refer other people to him or her.

It is important that you feel comfortable with the You may also need their services again someday.

Comfort Level

3202 San Pablo Mission, TX

814 Durango Palmview, TX

$249,500

$98,000

MLS# 203142 Spacious 4 bedroom, 4 bath home with swimming pool in Shary ISD. Priced under current County appraisal value. Call Albert Barrera at 956-309-9810 for additional information

MLS #198914: Recently remodeled 3bd/2ba/2 garage home. Fresh paint, recently installed tile floors in bedrooms and living room. Recently installed roof. Call Darell (Dario) at 956-616-2605 for more information.

1905 N. 13th St. McAllen, TX

2913 Fuerte Ave McAllen, Tx

$103,900

$158,000

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MLS #203046

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2001 Durango Mission, Tx

$116,800

$290,000

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Newly remodeled (January 2017) 3 bedroom, 2 bath home with tons of living space. Great central location. Privacy fenced backyard. SELLER FINANCING AVAILABLE . Call Alberto Velez for more information at 956-641-9084.

Enjoy Custom Splendor in this single story, 4 br / 3 ba Hill-Country style gem, located in private gated community. Amazing kitchen and master suite. Sharyland ISD, priced for quick sale! Call Nichole Eckmann: (956) 358-2187.

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How to Choose... THE GUIDE to everything!

March 2017

March 2017

How to Choose... THE GUIDE to everything!

How to Choose a

Tax Professional well as the firm’s credentials. The Better Business Bureau will inform you if they have dubious reputations. For more verification, contact your state’s board of accountancy or your state bar association’s tax lawyers to research a preReliable tax preparer can also save you time parer’s professional record. and money while helping you avoid errors that A legitimate and reputable professional tax preparer should have: get you in trouble with the IRS..

A professional tax preparation service can help you file your quarterly or annual tax returns while also navigating increasingly complicated tax codes.

* A relationship with an organization requiring continuing education * A fee schedule based on the complexity of your return * The willingness and ability to answer all of your questions * Availability extending beyond the preparation and filing of your tax return * Knowledge of your state’s tax laws * Familiarity with any special circumstances that may apply to you * A willingness to include an itemized list of any judgment calls it has made and attach it to your copy of the return *A willingness to provide an in-person review of This government agency also licenses its own any expected refunds with the preparer.

Enrolled Agents who must meet the same standards. The Treasury Department authorizes Warning signs of a disreputable tax preparthese Enrolled Agents to aid taxpayers at all er may include: levels of an audit. * Claims that they can obtain larger refunds Before hiring a tax preparer, verify that they will than their competitors represent you if you are audited by the IRS. Ask * Guarantees of a refund up front * A request for your signature on a blank tax about the preparer’s audit rate.

The person you are hiring must specialize in tax form preparation. A certified public account might * An unwillingness to sign a return, known as not be a tax specialist, and is no guarantee you “ghost” preparation. will not be audited.

The best tax professional has a proven track The federal tax code changes every year. It is a record of competence, a stellar reputation and challenge for tax professionals to stay current an attitude of respect for his clients. It is your with the changes. A CPA specializing in taxation financial and legal status at stake. The preparer should have documentations of any continuing should be ready and able to stand behind his education classes completed in the past year. work and beside you if you ever need to appear for an audit.

It is important to check on your preparer’s as But finding experienced and responsible tax professionals requires research. The IRS urges caution in picking a tax preparation service because the use of the service does not absolve you of problems stemming from an incorrect tax return.

There are many tax preparers who are honest.

They provide excellent service to their clients.

Others, unfortunately, are less than scrupulous.

They cause their clients legal and financial nightmares.

As of 2011, the IRS requires professional tax preparers to register, pass a competency test and meet continuing education requirements.

13

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How to Choose... THE GUIDE to everything!

14

How to Choose a Tire Shop Tires can make a big difference in your driving experience because they affect a car’s steering and balance. Tires also ensure a smooth, safe drive.

Finding a great tire shop is important to any automobile owner.

New or Used

When selecting tires, consider the climate you live in. If it is dry and warm, then a standard tire will be fine. But if you live in a place that gets a lot of snow, then you will want a better grade of tires. Snow tires are good for snow or dry land.

High performances tires are good for driving at high speeds. If you commute a long distance, be sure to choose high-mileage tires.

Choose an Outlet

Check out the Shops

There are a variety of ways you can purchase tires. They are available through national chains or a local auto shop. You may even buy them online.

Buying tires in person allows you to inspect the tires. You can see exactly what you are getting. When you purchase tires online it is difficult to judge what you are getting.

National chain stores usually guarantee the product. They might be more costly, but buying them a big store may give you peace of mind. Local shops will likely be more inexpensive, and you might get more personalized service.

When you visit a shop, look at their products and meet their employees.

You should feel as though the salespeople are trustworthy and knowledgeable. Once you find a good tire shop, you will likely return again for other products. It is important that you develop a good working relationship.

Cost should play a role in your decision-making process. Figure out what you can afford to pay for tires. It will stop you from wasting time at expensive shops. Hopefully, you will only need to buy tires once a year; depending on how much you drive your car.

Choose Type of Tires

WE HAVE THE BEST TIRES AT THE BEST PRICES.

Ultimately, your choice should fit your priorities and budget.

Some people don’t mind purchasing used tires. Pulloffs are tires that came with a new car, but the new car buyer wanted custom tires. As a result, pulloffs are almost new.

Does your tire shop guarantee pulloff tires?

If a dealer sells new and pulloff tires, the tire installer may not realize that each tire must replicate the way it was installed on the previous car. Failure to do so will result in the steel belt breaking through.

When tires have had the worn treads replaced, they are called retreads. A factory buffs the old tread and attaches a new one.

Inspections ensure the casing is strong enough to hold a new tread.

If you are on a budget, pulloffs and retreads are great choices.

Anyone who purchases used tires should inspect each tire thoroughly. Bubbles, holes, cuts and metal showing are a sign that you should not purchase the product. It may not be safe.

Choose Your Budget

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How to Choose... THE GUIDE to everything!

March 2017

15

REGISTER TODAY How to Choose

a Vocational School Not sure you want to invest four years in a college or university? Why not consider a vocational school.

Popular for their fast-paced training programs, vocational schools offer the benefit of saving time and money compared to a college or university.

Vocational schools offer the benefit of entering the work force up to two years earlier than college and university students, as well as saving an estimated $94,000. The average cost for a Bachelor’s degree is $127,000 while the average cost to complete a trade school program is $33,000 (“Trade School Might Be A Better Choice Than College. Here’s Why” by Trent Hamm, http://lifehacker.com).

With various vocational schools to choose from, choosing the right one will depend on some factors such as the school’s:

South Texas Training Center offers various training programs including Medical Assistant, Patient Care Technician, Nurse Aide/ Home Health Aide and Rehab Technician.

Medical Assistant - The program will provide instruction in front office administrative and clinical medical assisting skills.

Patient Care Technician - Provides education and training in phlebotomy, EKG, and nurse aide skills.

Students are eligible to take certification exams upon completion.

Nurse Aide/ Home Health Aide - Course provides education and training as a Nurse Aide/Home Health Aide. Students are eligible to take state certification • Legitimacy – Is the school accredited? Check with exam upon completion. accrediting organizations to verify the school is upto-date and licensed.

Rehab Technician - Upon completion of the course • Facilities- What are they like? Are they up-to- students will be able to assist the Physical Therapist. date with their labs and equipment? Remember the school you choose should be able to preparer you for Serving the Hidalgo, Willacy, Starr and Webb Counties the current workplace. Also consider their location, with three campus locations in Pharr, San Benito and are they near enough to stay at home or would you Laredo. South Texas Training Center could be the right need to move? fit for you. Don’t wait and contact them today! Visit • Services- What are their training programs? Do their website at southtexastraining.com to schedule they offer assistance with job placement after gradu- your meeting with a Medical Career Specialist or call ation? a campus near you and begin your career of making • Tuition & Fees: How much will it cost to attend the a difference by helping others! program? Is financial assistance available?

• Placement & Graduation Rate: How many stu- And don’t forget to ask about Financial Aide, you dents successfully complete their programs? And can apply online at www.fafsa.ed.gov or contact the furthermore, how many graduates are actually South Texas Training Center office for assistance at placed in their career field. any of their three locations.

Keeping everything in mind, vocational schools are a great choice, whether just graduated from high school or are looking for a career change, vocational schools provide expert education to enter highly skilled careers.

For those interested in a career in the medical field, South Texas Training Center is the place for you.

With over 18 years of experience in education and achievement, South Texas Training Center can help you reach your goals.

Pharr Campus | 213 E. Ferguson | 956-782-7100 San Benito Campus | 1901 W. HWY 77 Sunshine Strip | 956-399-9698 Laredo Campus | 1220 N Malinche Ave Suite B | 956-727-4909 Office Hours: 8:00am-5:00pm

Email: info@southtexastraining.com “South Texas Training Center is committed to providing the highest standard of education. Our goal is to source: http://southtexastraining.com graduate medical professionals who are prepared for employment and career advancement in today’s job market.”

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OFFICE HOURS: 8:00AM - 5:00 PM

SAN BENITO CAMPUS PHARR CAMPUS LAREDO CAMPUS 1901 W HWY 77 213 E Ferguson 1220 N Malinche Ave Suite Stripe 956.399.9698 956.782.7100 956.399.9698 Email:info@southtexastraining.com

For information about graduation rates and the median debt of our students visit our website.

How to Choose... THE GUIDE to everything!

16

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March 2017