how to A BUSINESS DIRECTORY OF HOW TO SERVICES! July 2011 how to Choose Choose Choose Choose Choose Choose Choose Choose Choose Choose Choose Choose Choose Choose TABLE OF CONTENTS a University. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 3 an Auto Body Shop . . . . . . . . . . . . . . . . . . . . . . . Page 4 a Used Car Dealer . . . . . . . . . . . . . . . . . . . . . . . . Page 5 the Best Maternity Care . . . . . . . . . . . . . . . . . . . . Page 6 an Audiologist . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 7 a Mortgage Lender. . . . . . . . . . . . . . . . . . . . . . . . Page 8 a Skilled Nursing Facitliy . . . . . . . . . . . . . . . . . . . Page 9 a Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 10 an ENT Specialist . . . . . . . . . . . . . . . . . . . . . . . . Page 11 a Kitchen Remodeling Company . . . . . . . . . . . . Page 12 a Real Estate Agency. . . . . . . . . . . . . . . . . . . . . Page 13 a Chiropractor. . . . . . . . . . . . . . . . . . . . . . . . . . . Page 14 a Church. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page 15 a Community College. . . . . . . . . . . . . . . . . . . . . Page 16 Choose a Credit Union . . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose an Eye Doctor . . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose a Dentist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose a Funeral Home . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose a Fitness Center. . . . . . . . . . . . . . . . . . . . . . . . . Page Look 10 Years Younger . . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose an HVAC Company . . . . . . . . . . . . . . . . . . . . . . Page Choose Insurance Agent . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose a Jeweler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose a Daycare . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Page Choose an Auto Repair Shop . . . . . . . . . . . . . . . . . . . . . Page Choose a Real Estate Agent . . . . . . . . . . . . . . . . . . . . . . Page Choose Creamation Services . . . . . . . . . . . . . . . . . . . . . Page Choose An Accountant . . . . . . . . . . . . . . . . . . . . . . . . . . Page 17 18 19 20 21 22 23 24 25 26 27 28 30 31 Coming to an inbox near you Sign up today at dailydeals.leavenworthtimes.com S av Page 2 f f o e 50 -8 0 % at Local a r nts, sp u a t s a re s . sh e r o o p s, m events & A Leavenworth Times Publication June 2011 university How to: Choose a University Choosing an institution of higher education and a field of study is probably one of the important decisions an individual can make. For a high school senior or graduate, the experience of choosing a university is a daunting task. Great care and planning must be taken in order for the process and the experience to be as smooth as possible. As a graduate of high school education, one of the first priorities is find a university that caters towards the needs and expectations of the individual. For example, do you prefer a small intimate environment or a place teeming with people? Your answer to this question determines whether you prefer a big state school or a university with a smaller population, like a liberal arts school. Another criterion to consider is the academic strengths of each individual school. What is the school known for academically? Are they known for the areas of your interest? Is it possible to pursue more than one field of interest? Each school has a strength in some field, be it the sciences or the humanities. June 2011 If the school is strong in your field of interest, then the opportunities for conferences, internships and possible employment in your field is higher. In addition to a strong program in your field of study, there should be plenty of options to pursue other interests as well. At some universities, the option of adding a minor or an additional major is a common option because of the broad curriculum. For example, colleges and universities with a specialization in liberal arts regularly demand their students to pursue a broad curriculum, so elective classes are common. Also, many students find that taking a full course load of just classes of their specialization to be a stressful endeavor. Therefore elective classes are useful in rounding out one's course load. Another thing to consider that many new high school graduates headed towards university don't necessarily consider are alumni connections. Alumni are very useful in making contacts not only for internships, but also for employment after university. Alumni can also provide insight into your field of study and how your degree can be useful after graduation in the employment market and not just academia. However, students with commitments outside of school or those who don't have a desire to be on a campus for a class should consider online courses. Online courses provide the advantages of working at a faster pace than the traditional university class. Online classes can be more challenging academically, if careful attention is not paid to time management. Tuition cost is an important factor for considering any college or university. The majority of college students receive some form of financial aid. Financial aid packages are based on a university’s analysis of student need as determined by processing the Free Application for Federal Student Aid (FAFSA). The FAFSA may be obtained from high school counselors, the university to which you are applying, or can be completed online at A Leavenworth Times Publication www.fafsa.ed.gov. Students may qualify for federal grants, loans, or work-study jobs. Most schools offer scholarships to those who qualify and flexible payment plans. Another factor that many students consider when choosing a university is the type of social activities. Some universities are known for their Greek life. If you are interested in joining a sorority or fraternity, selecting a school with a strong Greek system should be a priority. However, many students opt out of Greek life so a school with strong extracurriculars is something to look for as well. Although the main aspect of a university is to learn, there is still some free time to take up an extra activity like a club or an intramural sport. If you like sports, a strong sports program, or a school that has a lot of pride in their sports activities such as football or basketball is something to look for as well. Overall, choosing the right university can be difficult, but the experience of a lifetime is worth the work. Page 3 auto body How to: Choose an Auto Body Shop Your car, van, SUV, or truck is one of the most important things to your ever day life. It is there for the transportation of you and your loved ones, keeps your family safe on the road, and it even gives you a unique way to express yourself. It is important that you do everything you can to keep your vehicle in the best shape possible, especially if something unexpected happens. There are some people out there who are mechanically inclined and can take care of most of their car's issues on their own. You may even have a favorite mechanic for changing the oil and belts, or even doing major maintenance under the hood. However, it is just as important to know what you are going to do for your car or truck if it is ever in an accident. Even if you are an extremely careful driver, following the rules and obeying the speed limit, there are still other people out there who are not. Accidents happen every day, and not everyone on the road is being extra careful. If you are ever in an accident, even if it is a fender bender that does not seem to have done much damage, it can still cause lots of problems and annoyance. If you have a trustworthy auto body shop that does quality work, they can help make the situation go by with fewer troubles, and possibly even save you money in the long run. If you do not already have an auto body shop that you know and trust, it can be very helpful to get advice from your friends and neighbors who live nearby. Someone you know has likely already dealt with some of the auto body shops in your area and can tell you about their experiences, whether they are good or bad. Once you have a couple of recommen- dations, you can use the Internet to find out even more about the shops you are thinking of. Doing an Internet search can be great, not only because you may be able to find the auto body shop's Web site which should tell you a bit about their practices, but you may also be able to find out about other people's experiences. If you find a lot of negative feedback about one of the shops you are thinking of, it is likely a good idea to pick a different one. Also, if you can't get any recommendations from your friends and family, the Internet is a great place to start your search. Once you have found a few shops that look promising, it is time to hop on the phone. Call around to the shops you are thinking of, and describe that problem or even the accident to the person you speak with. If you are paying attention, you might be able to tell if they feel optimistic about the job, or if they seem less than enthusiastic. Some shops are very busy, and if you pick one that is not happy about doing your work, you may not be getting the best deal or work on what you need. If it seems like the shop is interested and glad to have your business, you will need to get a price quote. It may be hard for them to guess at the price before they see the car, but they can still give you an idea of what you may be paying. Write down the quotes you get from all of the different shops, and then get ready to head out and go see the shops for yourself. When at the shop, make sure to check for certification, guarantees, and prices. You will need to make you decision based on all of these things. “Make Us Your Preference” MAIN STREET AUTO BODY Complete Collision Service Foreign & Domestic All Insurance Claims 24 Hr Tow Service 727-5808 212 North Main • Lansing, Kansas (across from Lansing Lumber) Page 4 65033 MON-FRI 8AM - 5PM MainstreetAuto.org A Leavenworth Times Publication June 2011 used car How to: Choose a Used Car Dealer Finding a reliable used car dealer can be a exhausting and difficult search. With thousands of dollars of your money at stake, it is in the buyer’s best interest to take the time to look into the market and find a retailer that best suits his or her needs. The used car industry has a reputation of being rife with lemons, bad deals and shady businessmen, so a little research into the market can go a long way in saving some cash. The best reason to buy a used car from a retailer as opposed to a private party is pretty simple: the retailer can offer extras and warranties that an individual cannot, guaranteeing that your vehicle is mechanically sound and offering service or a replacement if it is not. The best place to start is with your friends and family. People who have bought used cars from a dealer often know the best place to start looking, as well as who to stay away from. These experiences can be very useful in finding a retailer who will fulfill their obligation to provide a quality vehicle and excellent customer service to boot. A few questions to ask these people with previous car buying experience include the quality and price of the vehicle they purchased, the warranty offered, and whether or not the terms of the sale were clearly laid out at the time of purchase. If a truly phenomenal experience was had, it’s a good idea to get the name of the person who actually sold the car, and try to deal with that person only. Usually if you are sent to a dealership on referral, the retailer will happily provide you with the services of a recommended salesman. There are two other sources that can be useful in ruling out potential “lemon dealers.” The Better Business Bureau and the state attorney general both keep records of dealerships and complaints or lawsuits filed against them. This won’t help you find a good dealer, but it will help you rule out dealers you might not want to do business with. Many people who buy used cars say that the best place to find a good deal with a proper warranty is from the manufacturer dealership. The advantage of this is that manufacturer’s dealership will be able to offer warranties and factory certifications on their vehicles. While other used car dealers can offer warranties, very few besides manufacturer-endorsed dealerships will be able to offer a factory certification. This could go a long way toward saving money in repairs or the need for third-party warranties. The new dealership may charge a slightly higher price, but there are some valid reasons for this. Their technicians are used to working on vehicles of their brand, and in many cases are trained by the factories themselves to service their cars. Their prices are usually higher, though — in some cases significantly more expensive — so you need to balance your needs with your budget. Don’t be afraid to bring your own mechanic or even a mechanically inclined friend. People who deal with cars on a regular basis will be able to notice and diagnose issues that you might not even see at first. A reputable dealer will have no problem submitting a used car to inspection by a mechanic. By educating yourself as to what you’re looking for you can insure that your used car will remain functional off the lot for years to come. AUTO EXTRAVAGANZA! • Certified Vehicles • On Lot Financing • Instant Credit Approval • Warranty • More $$$ For Your Trade • First Time Buyers Ok • Military Discounts 215 N. 4th St., Leavenworth • 680-0866 www.autofinancecenters.net June 2011 A Leavenworth Times Publication 65267 Page 5 maternity How to: Choose the Best Maternity Care Pregnancy comes with enough anxieties without having to worry about if you have selected the right provider for care throughout your term, delivery and postpartum recovery. If you planned your pregnancy, you probably already started looking for care as well as handling the other needs that come with having a baby, such as a car seat. However, if your pregnancy caught you by surprise, it is important to find maternity care suited to you as quickly as possible. The average cost of having a baby is $6,000 to $12,000. Expenses will go up if there are complications such as needing neonatal intensive care from giving birth to a preterm child. Learn which practitioners your insurance will cover and what type of care will be paid for. If you have no insurance, check with social services in your state because Medicaid may be provided for expectant mothers. Costs can increase dramatically if you are placed under high-risk care or need multiple ultrasounds, specialists or fetal testing to ensure the baby is developing properly. If you can find a service that offers most or all of these services in one area, then much stress will be reduced. After figuring out who your insurance will cover, the next decision is to determine who will deliver your baby. This is a person with whom you will want to feel comfortable because you will see this person frequently before delivery, giving you instructions on what you need to do to care for your health as well as that of your unborn infant. Most new parents are only familiar with obstetricians because they are doctors and gynecologists known as OB/Gyns. They are usually necessary for surgical procedures such as a C-section or high risk pregnancies. The obstetrician tends to focus primarily on the baby’s development and the procedure to get the baby here. Women who have high-risk pregnancies, anticipate wanting medication or like the idea of giving birth in a hospital tend to choose the obstetrician. Sometimes, the mother’s family doctor may be able to deliver the baby, which means the mother can be more comfortable because she already knows him or her. Other factors to consider are the gender of the care provider. Where you wish to deliver is important to discuss to be sure the provider can be covered at the location. Most obstetricians must deliver at a hospital in case of complications, so be sure to choose the hospital they can attend. Your care provider should include you in the decisions being made for your care. If you do not feel comfortable taking certain prescribed medications or participating in suggested procedures (such as amniocentesis), you should be permitted to speak up and not feel pressured or forced into something you do not support. Discuss your birth plan with your provider ahead of time to make sure your requests can be accomondated as much as possible during delivery. Ask questions to make an informed decision. Get information on what to expect. Remember, your health and your baby’s health are what are most important. Obstetrics/Gynecology Specialists Albert T. Liu, M.D. | Lisa A. Lorenzetti, M.D. Brandi D. Wilson, M.D. | Yulia Vaksman, D.O. In-office endometrial-ablations & premanent birth control • Prenatal Care with Delivery • Family Planning/Contraception • Well Woman Exams • Gynecological Surgery • Menopause Management • Urinary Incontinence/Pelvic Floor Disorders • Fertility Issues • HPV Vaccine and Screenings 8919 Parallel Pkwy #580, KCK | 913.788.9797 3550 S. 4th St. Tfwy, Leavenworth | 913.351.1232 | www.wcaobgyn.com Page 6 We accept most insurances, including Medicare & KS Medicaid A Leavenworth Times Publication June 2011 65039 audiologist How to: Choose an Audiologist Audiology is a field that can provide a wide variety of different services. Audiologists can be employed in several different types of health facilities such as clinics, hospitals and private practices. As an example, an elderly person who is having trouble hearing may end up seeing an audiologist in the nursing home. Alternatively, if a parent is seeing their child having trouble with hearing, they will take them to a private practice. Before deciding on an audiologist, you need to understand exactly what you are trying to address.. The first thing that you should consider while looking for an audiologist is the patient. As an example, a child will do best with a pediatric audiologist if one is available. They are trained to work with children who are having trouble hearing. On the other hand, adults with hearing loss will do better with an audiologist with knowledge about hearing aids. Many of them can explain how to use them and can even help people cope with the psychological effects of wearing one. Depending on the severity of the issue, you will want to consider whether it is best to see an audiologist with a master's degree or a doctorate degree. Always check to make sure that they are licensed in your state and have a Certificate of Clinical Competence in Audiology. It is also a good idea to ask around in order to find the audiologist with the best reputation. Meet up with them in order to determine how you get along with them. You want to make sure that the audiologist you choose will fit your needs. Make sure that you talk about their availability, treatment options, and their overall cost. Ask yourself if they seem like they are up to date in their field. If you are home bound you need to find an audiologist that will come to you. Be sure to speak with their staff as well. Ask about wait times, when the slowest days are, and how long appointments usually last. Make sure that the schedule matches your needs. It is not possible to resolve a hearing loss issue with one appointment. There will be appointments for tests, consultation, and hearing aid fittings if they are necessary, as well as follow ups. Make sure that you or the patient is comfortable around them. If all other factors are equal, choose your audiologist by convenience based on location and availability. Remember you will be seeing this audiologist for many years and you need a person whom you can be comfortable with. Remember that there are several different types of audiologists, and they all specialize in different areas. Make sure that you are choosing the right option for the patient based on their age and their condition. Make sure that the skill level of the audiologist that you decide to work with matches up with the severity of the condition, and make sure that they are licensed and certified. Don't be afraid to ask others for advice. Since there will likely be several visits necessary, you will want to make sure that you pick a choice that makes a great deal of sense for you. You’re not just buying a hearing aid... You’re beginning a relationship! A&D Hearing Center, Inc. has been serving the Leavenworth/Lansing Community for 2 generations. Dr. Kevin Albee joined the practice in 1991. 50 on % off msrp ALL A&D Hearing Center, Inc. will be here to service your hearing needs for many more years to come! 2205 So. 4th Street, Leavenworth, KS (South of Price Chopper) 913-682-1308 digital hearing aids www.aanddhearingcenter.com June 2011 A tradition of Advanced Hearing Care for Two Generations A Leavenworth Times Publication 65266 Page 7 mortgage lender How to: Choose a Mortgage Lender For enthusiastic home buyers, the purchase of a house can be a thrilling yet confusing experience. Finding a dream home may take quite some time, but once it is accomplished the buyer will be anxious to solidify the transaction. Impatience can be a problem at this point. It is not the time to rush through the closing process. It is the time to choose a good mortgage lender. The mortgage lender can be a help or a hindrance to the buyer. If the lender is not just looking out for him or herself, the experience can be positive. However, if a mortgage lender is thinking only about future commissions and sales, the buyer must beware. The lender should be well prepared and ready to discuss all available options no matter how much time is involved. Reliable lenders encourage potential clients to ask questions and look forward to explaining confusing financial jargon to the buyer, taking their time to ensure everything is understood and clear. Becoming familiar with mortgage lending options beforehand is one important way a home buyer can test the honesty and ethics of a potential lender. Are you being steered to what is in your best interest or to what is in the best financial interest of your lender? Being forearmed with a basic understanding of the lending process will enable the client to more quickly grasp the professionalism and integrity of the lender. BUYER'S RIGHTS: Dealing with mounds of forms, declarations, and financial obligations can be dizzying to the inexperienced home buyer. However intimidating, care must be exercised in making sure what is signed and agreed upon is understood by the purchaser. A signature cannot be erased, and a buyer only has a short time to legally back Considering Buying a out of a purchase in some cases — if at all. Even if done within that legal time limit the buyer still forfeits the deposit for reneging on the agreement and may owe an additional amount formulated according to when the first payment was originally due. It is an expensive proposition that can be avoided by signing forms carefully. If a mortgage lender is rushing through the paperwork and pushing you to just sign the forms, the lender is not doing his or her job. The home buyer's best interests are not being looked after and could easily result in a misunderstanding for the purchaser. KNOWING YOUR LENDER: Questions and areas of concern for professional lenders involve the future longrange goals of the buyer. A lender wants to know how long the home will be lived in. Such knowledge helps the lender suggest the mortgage that best suits the homeowners needs. If a lender is not concerned with such questions it most certainly is a red flag for the buyer. DEAL LOCALLY: Finding a local area mortgage lender is most preferred. Since interest rates can change daily, a local lender will be more attuned to the changes in the local housing market and whether or not selling conditions have changed. A local lender also allows closer monitoring of the loan application and is close by to answer any troubling questions that the potential home buyer may have. USING REFERENCES: Feel free to ask family members and friends who they used as their mortgage lender and if there experiences were good and positive. Word-of-mouth recommendations are often totally reliable. Also check the amount of time the lending agency has been in operation and whether it has built up a good business reputation. New Home? Citizens Savings and Loan is your Resource. Our Home Loan Professionals take the guess work out of the home loan process. • Historic Low Interest Rates • Low Closing Costs • Dependable On-Time Closings www.citizensfsb.com Locations to serve you at: SAVINGS & LOANS ASSOC. FSB SINCE 1884 Page 8 Leavenworth 5151 S. 4th Street (913) 727-1040 Downtown 312 South 5th St. (913) 682-3232 Member FDIC Basehor 15500 State Avenue (913) 724-2050 A Leavenworth Times Publication Specializing in VA and Conventional Financing. Online Pre-approvals or Loan Application June 2011 648202 nursing facility Choose a Skilled Nursing Facility for your loved one Choosing to place your loved one in a skilled nursing facility is often a heartbreaking and difficult decision for all involved. Both the loved one and the family making the decision can find it painful and confusing to make a choice from the many facilities available. Knowing the steps to follow in selecting a facility can make the process easier for everyone. It is important to understand what level of care your loved one needs. Assisted living facilities are designed for older individuals to live in a somewhat private setting, with staff on duty for minimal assistance. A skilled nursing facility is designed to care for those who are no longer able to care for themselves due to infirmity or severe illness. The staff at these types of facilities are much more skilled and regulated than the staff at an assisted living facility. Skilled nursing facilities have staff who are authorized to provide and administer medications and treatments according to prescription, while assisted living facility staff are not usually authorized to administer medications. The following steps can aid you in making your choice of care for your loved one: • It is extremely important to select a facility that is close to family and/or friends who will be able to visit the person frequently. This will assist them with the transition from independent home living into a skilled nursing environment. • One of the best ways to get a good idea of the facility is to go and visit in person. Any reputable facility will be happy to schedule an interview with the facility director and a full tour of the facility, including the living areas. Any facility who does not want to allow a full tour or a meeting with the director and staff should be immediately crossed off your list of potentials. • Sights, sounds and smells should be a significant influence on whether you want your loved one living in the facility full-time. Skilled nursing facilities should feel inviting, comfortable, have lots of friendly, smiling faces and have no lingering odors. Residents there should look clean and well taken care of. Observe for activities going on and that residents seem engaged. Meals should feel calm and social. • Another good method of finding the best facility is to speak with the family members of those who are currently living there. They will not give you the sugarcoat- ed version of what is happening to their own family member, so they may provide the most unbiased review of the staff and facility. • It is also important to understand that in a skilled nursing facility, safety and health is of the utmost concern. Sometimes there are regulations that may seem unusual and restrictive that you may have to follow. Staff should be prepared to explain these regulations and the reasons for them. They are held to higher standards to ensure that residents are safe and healthy. • Finances are always an issue regarding medical care, and moving your loved one to a skilled nursing facility is no different. Because a skilled nursing facility provides a much higher level of care than an assisted living facility, the cost involved will be significantly higher. The staff at the skilled nursing facility should be prepared to help you understand the costs and various sources of payment that may be open to you, such as Medicare, Medicaid, private insurance, long term care insurance and private pay. You might consider consulting an attorney who handles nursing facility cases for their advice on what to expect for your money and what level of care is required to be provided to your loved one. It may be necessary to place your loved one in the proper skilled nursing facility if they are no longer able to care for themselves on their own. Proper research and frequent visits to your loved one will ensure their quality of life is the best it can be and they are provided with the level of care they deserve. It is important to remember this decision is not a final one. If your loved one is not receiving the care that you expect, talk to the director of nursing or the administrator. Frequent visits to your loved one will tell you if they are getting the care you expect and also alert you to any problems right away. If the problems are not corrected or if your loved one is showing signs of abuse or lack of care, you are entitled to remove them and place them with a different facility. Choosing a skilled nursing facility can be a daunting experience, but following the above suggestions can make the process easier. The staff at the facility should be skilled at helping guide you through the process. Golden Living Center Lansing is a leading provider of skilled nursing care for those in our community. Our extensive Rehab to Home program works with those needing services after leaving the hospital but are not able to return home at that time. Why go to a facility miles away when you can Rehab to Home close to home with Golden Living Center Lansing? 913-727-1284 210 Plaza Dr. Lansing, KS, 66043 June 2011 A Leavenworth Times Publication Page 9 65038 bank How to: Choose a Bank Many consumers spend an inordinate amount of time considering other financial transactions, but they rarely put so much effort into their choice of banks. Banking services can influence a wide range of financial matters, and there are several details to consider when choosing a commercial bank. ■ Customer Service: Choose a local bank where the employees treat you as an individual and not a number. Being able to talk with someone you know, if you have a problem, is the best way to have a good banking relationship. The employees of your local bank are your friends and neighbors and support your community with their time and money. ■ Interest Rate and Fees: The true value of a bank account can be found in its interest rates. Each bank has a slightly different interest rate for savings accounts, although most of them will adjust these rates based on the federal funds rate. Differences in interest rates may seem insignificant, but they can result in big changes when large deposits are concerned. Banks services also usually involve fees and penalties for certain transactions. A checking account might restrict the number of checks that you are allow to write per month before you pay a fee, or you might be required to maintain a minimum balance in your savings account. Every bank has its own policies, and these should always be taken into account by anyone who is choosing a bank. ■ Convenience: Convenience is another factor to consider when choosing a bank. Try to find one that has plenty of convenient branch locations close to where you live and online banking. There will most likely come a time when you have to stop at a bank on your way home from work or make a mad dash to deposit a check before a bank closes. Having a convenient location (or several convenient locations) will make your life much easier. ■ Overdraft Protection: As much as you try to avoid it, the occasional overdraft happens to nearly everyone. Each bank has specific policies regarding overdrafts. Some offer overdraft protection in the form of a high interest credit line that kicks in when you bounce a check, while other banks charge a fee for each overdraft. Some banks don't cover bounced checks at all. Consider the policies of your potential banks of choice before you come to a final decision. ■ Bank Stability: Stability is an often overlooked element of commercial banking. When you deposit money into a bank, it is important to consider the solvency of the bank's balance sheet. Most funds held on deposit are invested by the bank under a fractional reserve The Banking Partner banking system, and a bank with a clean balance sheet can best weather the turbulence caused by market corrections. Local banks reinvest your money in the local community through loans for homes, vehicles and businesses for example. Most banks are insured by the Federal Deposit Insurance Corporation for up to $250,000 per depositor. This value can vary depending on the type and number of accounts held by a customer. Your money should be safe in any bank, but failures can occur. A solid bank should have limited exposure to toxic assets that put its balance sheet at risk. ■ Services You Need: Banks offer a wide range of services. Whether you need to take out a loan or open a checking account, choose a bank that satisfies your concerns with the lowest cost and highest rate of return. Careful and vigilant shoppers can expect positive experiences with a trustworthy commercial bank. You Can Trust As your local bank 155 years in the community, we’re committed to meeting your needs both today and in the future. We have convenient locations and hours that fit your needs with Internet Banking and Bill Pay. We’re always happy to serve you. We feel strongly that local involvement and decision making is how a good bank should operate. That’s Exchange Bank, rich with tradition, experience & compassion. Service is our first and last priority – whenever, wherever and however you want to do your banking. 10 Area Locations! Leavenworth, Lansing, Easton, Atchison and Effingham Page 10 www.myexchangebank.com A Leavenworth Times Publication June 2011 65240 ENT specialist How to: Choose an Ear, Nose and Throat Specialist Having a problem with your ear, nose or throat can be annoying and even frightening. All of these areas of the body are highly related to one another and are also highly complex. They can make a huge impact on the quality of one's daily life. These parts of the body can control everything from a person's breathing and hearing to one's sense of smell. Even a person's feeling of balance when walking can be affected by an ear, nose or throat problem. It is critical to choose an ear, nose and throat specialist who is highly competent and able to provide a precise diagnosis for a problem. It is important to choose a specialist who will be able to treat any problems that one suffers. If a person requires surgery, then he or she should invest even more time into choosing the right ear, nose and throat specialist. It is important to choose a specialist that one trusts and feels comfortable around. It is a good idea to make sure the doctor has plenty of experience in diagnosing ear, nose and throat issues, too. Be sure to find out how many years the doctor has been practicing this particular field of medicine. It is a great idea to also find a doctor that makes use of technological advances in his or her work. As the client, you are entitled to the best treatment possible, which is often with the latest technological advances in the medical field. If a new piece of equipment requires that a person have special training or accreditation, then be sure to find a specialist with that background and experience. You will likely want a doctor who can make you look your best, too. There are some ear, nose, and throat specialists that also offer basic cosmetic surgery procedures. These doctors provide Botox, Juvederm and Radiesse to make patients look great and feel young. Some doctors can even perform eye lift surgeries or nose jobs, which can make a person breathe better and clear the sinuses. There are wide-ranging practices that allow a doctor to help one's sinuses get better. The best thing to do is find a doctor with plenty of experience with the particular problems you are facing. It is a good idea to find out if a doctor has treated patients with similar issues that you have. Only then will you be sure that a doctor is doing everything he or she possibly can to alleviate one's problems. When searching for recommendations, it is a good idea to ask family or friends for doctor recommendations. There are also plenty of online Web sites that provide reviews of ear, nose and throat specialists. These Web sites can be a rich source of information for choosing a doctor with good reviews. A general doctor will also be able to recommend good specialists to you. A general practitioner is a great person to ask, especially because you likely trust your general doctor. He or she will be able to point you in the right direction. A general doctor is a great source of information for any sort of medical issue. If you require surgery, then you will want to be absolutely positive your specialist is competent in providing such a surgery. Make sure he or she has performed the procedure before and is able to handle your medical issue with ease, skill and knowledge. CARL L FALCONE, MD Board Certified Otolaryngologist, Head & Neck Surgery Diagnosis and treatment of Ear, Nose & Throat Disorders Seasonal Allergies ~ Adult and Pediatric Care A “Latisse Solution/Allergan” Supplier 2300 Hutton Road, Suite #106 | Kansas City, KS 66109 Northwest of the “Legends Shopping” area, East of K-7 Hwy on Parallel Pkwy, One block North on 110th/Hutton Road. 913-721-3387 office | 913-721-3375 fax | email: [email protected] June 2011 A Leavenworth Times Publication Page 11 64827 kitchen remodeling Choose a Remodeling Company for your kitchen How to: Remodeled kitchens are an enormous boom to the resale value of your home. All home owners, whether they are novice cooks or professional chefs, can enjoy the benefits of a newly designed kitchen area. However, many home owners tend to shy away from the seemingly intimidating remodeling process. These people need not fear. Remodeling your kitchen is actually a remarkably simple task, so long as you are aided by a knowledgeable and honest contractor. You should begin your search by contacting numerous kitchen remodeling companies in your area. Feel free to invite several different contractors into your home, and ask for price quotes based on the extent of the work that needs to be done. These contractors should always be very straightforward when providing you with a price for their work; if they seem reluctant to give you a direct quote, you should search for a more honest company. Some contractors will assert that certain components of your remodel will need to be attended to by specialized subcontractors. Depending on the specific state of your kitchen, this may or may not be necessary. However, even if the work of other subcontractors is required, the head kitchen remodeling company should be able to provide you with a rough estimate of the project's total cost. You should also ask the kitchen remodeling company to provide you with an estimate of how long the project will take to be completed. Depending on the extent of your remodel, this period of time will vary greatly; however, all contractors should be able to complete your project in roughly the same amount of time. If a certain contractor claims that your remodel will take half as long as another contractor's estimate, you should be wary of this company. At best, they should be able to offer a good Page 12 explanation why they can complete the job faster than other providers. Once you have narrowed down your contractor choices, you should check each company's references to ensure their reputability and quality of work. If at all possible, try to directly speak with people who have hired a specific contractor before. Each contractor should be able to provide you with a list of past clients that would be willing to speak to you about the company's work. The Internet is a valuable source of information if such references are not available. After selecting your kitchen remodeling company, you should inform the contractor that you are interested in his or her services and ask to view the specific terms of a contract between you and the company. The contractor should then provide you with detailed information regarding each task involved with the kitchen remodel, and how much time and money each task will take to complete. Before signing this contract, ask to view proof of the kitchen remodeling company's licensure. You should also check that the company possesses its own accident insurance. If the contractor does not possess insurance and an accident occurs while he or she is working on your property, you could be held financially responsible. You should also inquire about any subcontractors that may be required to complete the job. If such workers are needed and are not considered to be a component of the head contracting company, then additional contracts regarding their contributions to the job may be necessary. You should treat each individual subcontractor exactly as you treated the head contractor; check each worker's references, licensure and proof of insurance before agreeing to pay for his or her services. For Over 30 Years! CUSTOM CABINETRY • Solid wood custom cabinetry • Your existing cabinets refinished to look like new • Granite countertops. We will not be under sold on our granite countertops! E & E R F tes a n m i t E s esig t i o n D lta nsu o C A Leavenworth Times Publication FIXTURES Kitchen: • Deluxe Delta, Moen or Kohler faucets • Composite or stainless steel sinks • Tiled backsplashes • Undercounter lighting Bathroom: • Large tiled walk-in showers • Custom built vanities with granite tops • Frameless shower doors • Heated tile floors SPECIAL OFFER We can refinish your existing cabinets to look brand new for a fraction of the cost to build new. Custom Designed by Barry L. Thompson 913.547.2447 [email protected] June 2011 63535 real estate agency How to: Choose a Real Estate Agency Whether you are selling or buying a home, it is vital to have both the best Realtor and real estate agency on your side. The agent and agency that you choose could make the difference between selling your house for the asking price or settling for the best offer on the table, which could mean thousands of extra dollars in your pocket. Although you will be spending most of your time with the real estate agent that you choose, the agency that employs them can also make a difference in the sale or purchase of your next home. You want to choose an agency that has plenty of local connections, a keen understanding of the neighborhoods you are interested in as well as solid contacts within the world of real estate. This is especially important if you are selling a home. While your real estate agent will play a key role in helping you locate your dream home, it is often their agency that will take care of the sale of the house. What can make the difference between one real estate agency and the next is the methods by which they advertise their listings and how they conduct the sales process. This can greatly influence the sale of your home and ultimately how much you will get for it. Although they may all appear the same on the outside, some real estate agencies may differ slightly in the type of real estate they prefer to show or sell. Some might be more familiar with commercial properties while others are great at selling high-end homes. Browse the agency's listings beforehand to see if your home meshes well with their existing listings. Examine how the listings themselves are displayed to see if you, as a prospective buyer, would find them easy to read yet informative. While you shouldn't rule agencies out because of their size, it is an important factor to consider. While smaller agencies may be able to dedicate more time to the sale of your home, they also may not have the networking advantages of larger agencies. If you do choose a larger agency, the real estate agents have more of a chance of networking to sell your home. Yet you may not get the personalized attention that you could with a smaller agency, which might make the process seem overwhelming at first. There are several questions that you should be prepared to ask when selling a home: ■ What methods will be used to sell my home? Home Guides? The Internet? Newspapers? ■ How many pictures of my house will appear online? ■ On which sites will my home be displayed? ■ Can you see examples of other homes that have recently been sold in my price range? ■ How long have they been selling homes in my neighborhood? ■ What makes your agency different from the others? Make sure to investigate the reputation of an agency before you say yes to their services. If friends or family have an agency that they recommend you should rely on their previous experiences for your own home sale. You should also find out how long an agency has been operating in the area. It is preferable to choose one that has been established for a long time, but those who are new can also work hard for the sale of your home. Although they shouldn't necessarily be avoided, you should be aware that those individuals who run an agency as their side business may not have the amount of time necessary to show your house the way you would like it to be shown. Make sure you do your research beforehand since this is one of the biggest transactions you will ever conduct. You want only the best real estate agents and agency on your side to get the best deal for your future home or sale. BUYING – SELLING – RELOCATING Let Mike help you with all your Real Estate needs. Ask about our FREE Nationwide Relocation Service. MIKE NIELSEN, CRS, ABR, e-PRO U.S. Army Retired 913-758-SOLD (7653) [email protected] www.BuyOrSellWithMike.com June 2011 ACTION GET A FREE AREA MARKET REPORT! A Leavenworth Times Publication 65235 Page 13 chiropractor How to: Choose a Chiropractor Chiropractic care can be a great choice for people who want convenient, cost-effective treatment for their health care needs. In fact, it's an increasingly popular choice for millions of Americans with back, neck, leg and arm pain, headaches, musculoskeletal injuries and other ailments. And because chiropractors are expertly trained to work on muscles, joints, bones and ligaments — the things that keep your entire body connected — and with interference to the spinal nerves, which supply all parts of your body – Chiropractic care can improve your general health as well. That's why it's important to choose a chiropractor for your health care. Whether you're experiencing pain or just want to improve your overall well-being, many people get good results from visiting a local chiropractor. ■ WHY CHIROPRACTIC? The reasons people choose chiropractic care boil down to four things: quality, cost, convenience and outcomes. Quality can be assured by the rigorous Page 14 training that chiropractors go through before they can be licensed. They're trained on the human body's nerves and musculoskeletal system, and chiropractors' educational requirements are among the most stringent in the health care industry. They typically spend four years in a pre-medical program and four to five years of professional training. According to the American Chiropractic Association, licensed chiropractors go through classroom, laboratory and clinical training that totals at least 4,200 hours. Cost and convenience are two other reasons chiropractic care is so popular. Compared to the skyrocketing cost of other types of medical care, chiropractic can seem downright affordable for the results it provides. And with the waiting times at doctors' offices and emergency rooms becoming ridiculous, chiropractors can typically offer treatments that fit into your busy lifestyle. Finally, the positive health outcomes people get from chiropractic care matter more than anything else. People love the care they get from their chiropractor — and are happy to tell you about it — but the best way to see the outcome is to try it for yourself. The most ringing endorsement of chiropractic care is seeing that it works for you. ■ INSURANCE COVERAGE: When selecting a chiropractor, it's important to know what your insurance company will cover. Most insurance carriers include chiropractic care as part of their regular coverage, including Medicare, but you should check to see exactly what your health plan includes. You should also see if there are any discounts for choosing an "in-network" chiropractor, which could let you have a lower co-pay and more affordable coverage. Chiropractic care for injuries related to automobile accidents and on the job injuries is also covered. Even if you don't have health insurance, you may find chiropractic care is a costeffective alternative that gets good results. Many chiropractors have a very reasonable A Leavenworth Times Publication charge for an office visit, and there is not the additional cost for prescription medications. ■ GET REFERRALS: One way to choose a chiropractor in your area is to ask friends, family members, neighbors and coworkers who they use. You may be surprised at how many people you know who have gotten good treatment from chiropractors and are happy to share their experiences about it. They should be able to answer your questions about the things you can only learn from first-hand knowledge — things like the chiropractor's demeanor, how easy it is to schedule an office visit, and any other concerns you might have about the chiropractic process. You can also use the American Chiropractic Association's online "Find a Doctor" tool at acatoday.com/ DocSearch. By taking your time to find a good chiropractor in your area, you'll get the affordable, convenient and effective health benefits that come from chiropractic care. June 2011 church JOIN US FOR How to: Choose a Church Everyone Welcome! Sunday Worship Services: 8:30 and 11:00 am Children’s Church (Kingdom Express) at the 11:00 am service Sunday School Classes for all ages: 9:45 am Nursery Available Youth Fellowship 6th – 12th grade: Sundays at 6 pm Senior Pastor, Rev. Kevin Hopkins Visitation Pastor, Rev. Bob Atwell Connection Pastor, Rev. Erin Myslenski First United Methodist Church 422, Chestnut, Leavenworth, KS 913.682.5374 | fax 913.680.0995 email: [email protected] Website: www.leavenworthfirst.org June 2011 Choosing a church can feel like a daunting task. Especially for newcomers, or for people who have been in one congregation for a long period of time, selecting a new church home can be overwhelming. Sometimes, finding the perfect church takes patience and a lot of visits to different congregations. However, if you have a positive attitude, do some research and ask the right questions, choosing a church can be easier than you might think. First, it is important to understand what a church is. A church is a group of people who share similar religious beliefs. Members of a church form a community that supports, encourages and helps one another. A church community worships and learns together, helping each other grow in faith. Because of the support and community available in a good congregation, a church home can be enormously beneficial for one’s personal spiritual life. When searching for a church, your first step should be to pray to God for guidance. Ask God to help you find the right church home. Second, you will want to determine the kind of church you are looking for. Do you want a more formal, reverent service? Or, are you looking for a modern, contemporary church with high-powered worship and energetic sermons? Once you have determined what kind of church you are looking for, do some research. Look online or in your local Yellow Pages for area churches that sound similar to the kind of church you want to attend. Your local newspaper may have a listing of local services as well. A Leavenworth Times Publication You might also consider asking friends, relatives, or co-workers what church they attend and if they have any recommendations. One benefit of asking a friend for a recommendation is that you will have someone to go to the church with, which may make you feel more comfortable. Make a list of the top few churches and begin planning your visits. When visiting a church, gather as much information as you can. Take a bulletin home with you. Speak to the people sitting next to you in the service. Stay after to speak with the pastor if you’d like. Many churches have a coffee hour after the service, which can be a great opportunity to introduce yourself to members and learn more about the congregation. There are several critical questions you should ask or reflect upon at each church visit. First, find out the church’s statement of belief and doctrinal positions. Do they align with yours? Second, is the size of the church comfortable? Is it too large for you to feel involved, or too small and thus limited in activities? Finally, will there be ministry opportunities and ways for your children or family to get involved? Ultimately, choosing the right church is very important. Be sure to choose a place where you and your family feel comfortable, both personally and spiritually. Finally, and most importantly, choose a church home where you feel God is worshipped and present. Page 15 community college How to: Choose a Community College Choosing a community college can be difficult and stressful. Community colleges can be a great way to begin your educational career and often lead to more opportunities such as bachelor and master degree programs. Attending a community college is a great option for students with family responsibilities and jobs. They can also be a great value. There are many things that you want to consider when selecting a community college. It is important for prospective students to consider all aspects of each community college before choosing the best one for their needs. Things to consider include location, costs, majors and scheduling. Community colleges cost less than most four-year colleges. Students can save thousands of dollars by attending community college, so it's a great way for students who might otherwise not be able to attend college to receive higher education. The cost and level of financial assistance available are important factors to consider when selecting a community college. Local citizens or civic groups often offer scholarships that encourage students to attend local colleges. There are also state and federal loans and grants that can help lower the costs of education .Community colleges also offer academic scholarships; performance grants in art, athletics, debate, music, and theatre; and grants and scholarships through an endowment association. It is important to consider the location of the community colleges that you may attend. Small cities may only have one community college, while larger cities may have multiple community colleges to choose from. Often, students hope to live at home while attending a community college that is only a few miles from their home. If a community college does not have the program or major that you are interested in, you may be forced to attend a different school. Most community colleges offer a wide variety of majors in order to satisfy the needs of many students. They also typically offer a core package of credits that can be transferred to a four-year university quite easily. Community colleges also offer articulated degree programs – 2+2 programs – in cooperation with 4-year colleges and universities. These cooperative programs spell out specifically the courses students should complete at the community college to transfer into the college or university to complete a bachelor’s degree program. You can find a college with quality education as well as experiences such as internships. An associate's degree can allow a student to become educated in a shorter amount of time than students who choose to enroll in bachelor's degree programs. Also, if multiple community colleges offer the major of your interest, it can be beneficial to compare employment statistics of each school. It is important to also consider class scheduling. Community colleges allow older students to get an education. This is a great way for students who are already employed to get the education they need to make a career change. Community colleges allow flexible scheduling for students to accomplish their goals. It can take extra time to complete a degree if a student chooses to attend community college part time, though. Students with families and daytime jobs can benefit from evening and weekend classes. This is a great way for students to get an education in a non-traditional way. Online courses can also be a great option for nontraditional students. There are also accelerated programs available. This speeds up the process of education and allows students to take control of their learning. Many colleges offer training programs that do not require a degree. Certificate programs are available in fields such as business management, nursing, pharmacy technician, phlebotomy, and medical coding and billing that can often be completed in as little as a year. When considering a community college, it is important to consider different aspects of the education in order to pick the college that is right for your needs. With the right research, you can find a college that fits in with your scheduling, goals and career plans. FA L L E N R O L L M E N T KCKCCL e av e n w ort h C e n t e r August 8th, 2-6 pm Main ca mpus August 10th, 10-7 Early enroll now through the end of July Fall 2011 semester begins on August 18 Call KCKCC-LVC 651-2111 to schedule an appointment with an academic advisor Page 16 65226 7250 State Avenue • Kansas City, KS 66112 • 913/334-1100 “An Equal Opportunity Educational Institution” A Leavenworth Times Publication June 2011 65226 credit union How to: Choose a Credit Union At a time when banking industry woes are the talk of the evening news, many people find that a communitybased credit union is the perfect option for taking care of their financial service needs. A credit union is a cooperative financial institution owned by its members. The deposits in most credit unions are insured by the federal government up to $250,000, making them a safe and secure choice for handling your financial accounts. Because they are not-for-profit organizations, credit unions also may be able to offer you more lucrative rates of interest on your savings and more competitive interest rates on loans. To choose the right institution, begin by first investigating which local credit unions will accept you as a member. Some credit unions are tied to particular companies, so only those employees are eligible for membership. Others are linked to certain communities or school districts, so you can join if you live or work within the appropriate boundaries. With so many credit unions around the country, there are likely to be multiple options in your neighborhood. Once you determine which credit unions you are allowed to join, you can narrow the field of possibilities by studying the services and fees at each institution. If you are you primarily interested in opening a savings or checking account, visit the credit union to get a copy of the current interest rate sheets for each of these services. Most credit unions will give you this information at their offices on request, and some even post the details on their Web sites. Always find out whether there are any fees associated with the accounts you want to open. Like many savings and loans and banks, some credit unions will charge service fees if you do not keep a minimum balance in an account. Others will June 2011 A Leavenworth Times Publication charge fees if you don’t use your debit card a certain number of times each month. Extra fees can make a good interest rate seem less appealing, so study those details before you join. If you are interested in applying for a personal or business loan, be sure to ask whether lending is one of the services offered by the credit union. Then compare the loan interest rates and specials at local institutions to find out which credit union would best fit your needs. Many consumers want to compare the office hours at credit unions and the proximity of branches to their homes before joining. Some credit unions may be open for longer hours in the evening or may have weekend office hours, which can be helpful if you work every weekday. Another important issue for many customers is the availability of ATM machines and the fees associated with their use. If you need money when the offices are closed, you will want to be sure the credit union has ATMs near your home to give you access to your money. In addition, some institutions have agreements for shared services with other credit unions around the country. Through these arrangements, customers may have access to ATMs and other services when they are away from home. This can be a handy advantage for those who travel or for people who have children attending college in other cities. If this benefit interests you, check with local credit unions to see which ones offer this service. Once you have done your research, make a list of the pros and cons so you can compare each individual credit union before making the switch. You will find that credit unions can be an excellent alternative to banks and other financial institutions, with comparable, competitive services and rates. If you do your homework, you can find an ideal credit union match. Page 17 eye doctor How to: Choose an Eye Doctor The eyes are not only our most heavily relied on sense, but can also provide a “snapshot” to the health of the rest of the body. While most people relate nearsightedness, farsightedness, and astigmatism to their vision the relationship between systemic diseases (diabetes, high blood pressure, etc) and the eyes is of great importance. The small blood vessels in the back of the eye are typically affected early in the disease process and regular eye exams are an excellent method to ensure overall health. Now that the need for regular vision and eye health exams is clear, choosing the right eye doctor is the next step. It is sometimes confusing as to whether you need to see an ophthalmologist or an optometrist when setting up an eye exam. While optometrists are O.D.’s and ophthalmologists are M.D.’s, the biggest difference to the general population is that ophthalmologists perform eye surgeries and optometrists do not. Optometrists and ophthalmologists can examine the visual system, check eye health (from the front of the eye to the back with dilation), and manage eye diseases and injuries. Both doctors can treat infections, glaucoma, remove foreign bodies and evaluate cataracts. Checking the American Optometric Association website (www.aoa.org) is a great way to find a qualified optometrist in your area. The site can also help to identify doctors who work with children, geriatrics, or specific eye diseases. When calling different doctor offices it is important to ask what is included in a basic eye exam. It is very important to hear that they check “eye health” and not just vision. Diseases such as glaucoma can be detrimental to the eye but do not affect vision until it is too late. Asking family and friends for recommendations is another way to find an eye doctor. While some eye doctors advertise through television, radio, and billboards, most rely on word of mouth, reputation, and community involvement to build a patient base. • Testing for Glaucoma, Cataracts, Diabetes & Dry Eye • Emergency Care for Eye Injuries & Infections • Convenient Daily, Evening & Weekend Hours 682-2929 www.DrsNorrisandKelly.com 2301 10th Avenue | Leavenworth, KS Page 18 Ashley S. Reddell, O.D. Kyle W. Kelly, O.D. ~ Mark S. Norris, O.D. A Leavenworth Times Publication June 2011 64433 dentist How to: Choose A Dentist Choosing a dentist can make a world of difference in a patient's smile and oral health. It can also be a daunting task, especially as the number of practicing dentists continues to increase rapidly throughout the country. There used to be little choice as to which dentist to visit. Teeth cleaning, x-rays and dental operations were performed by whichever dentist served a particular area or insurance company. Now, more than ever, individuals are choosing their own dentist in hopes of finding a friend and ally ready to help create a gorgeous smile while offering a pleasant dental experience. When choosing a dentist, it is important to consider a few key things. Location and office hours are important in terms of convenience. The dental office should be located close to work or home and offer hours compatible with an individual's lifestyle. Word-of-mouth referrals from friends and family are one of the best ways to find a reputable dentist as well as knowing which dentists to avoid. Most dental offices now have Web sites that offer valuable information about the dentists practicing at the office and usually include each dentist's basic background information, education and dental specialties. Information to look for when reading through a particular dentist's Web site include things such as what extra charges or costs are involved should an appointment be missed or cancelled, x-ray requirements and costs, and costs related to any extra services. It is also important to note how far in advance cleanings and appointments should be scheduled. Emergency dental services should be available for any dental crises. This information can also be obtained by calling the dental office. Look for dental offices with receptionists that are friendly, timely, and helpful. A basic information check should be performed on any potential dentists before the initial visit. Check that they have earned a degree from a reputable school and are up to date with their licensing and educational requirements. They will preferably be keeping up with the latest dental technologies and trends. Always be sure that they support upto-date dental insurance. The best dentists consistently provide cutting edge dental care while striving to create and maintain a healthy, beautiful smile for their patients. Payment should be discussed ahead of time with estimates being given for any and all services. If dental insurance will be used, always check to be sure the dentist that has been chosen accepts the specific insurance. If not, a new dentist may need to be selected. Discuss payment plan options ahead of time, especially for expensive procedures. When visiting a dentist for the first time, the dentist should be professional and friendly. Questions should be asked based upon the individual patient's needs and concerns. If phobias and pain are concerns, patients should express this during an initial visit with a dentist and determine what can be done to alleviate them. Many dentists are willing to go above and beyond to cater to patients with these specific concerns. A basic oral history should be reviewed before hand, and future treatment and prevention options should be discussed. A good dentist will work to make a patient comfortable and should have a pleasant chair-side manner. First impressions mean a lot when choosing a dentist. If the dentist, hygienists or office staff create an atmosphere that is anything less than professional or pleasant, a new dentist should be searched for. The best dentists offer friendly, happy dental experiences. Teeth are important to overall health and appearance and should be trusted with only the best of dentists. The Doctors and Staff of HEARTLAND DENTAL GROUP Dr. Hund Welcome You To Leavenworth! Dr. Haun Dr. Igawa Dr. Lamus Dr. Oliver Orthodontist 3507 S. 4th St. 15510 State Avenue, Ste 4 Leavenworth, KKS 66048 Basehor, KS 66007 913-682-1000 913-728-2700 Registered Dental Hygienists June 2011 Dr. Grimaldi Dr. Fales Pediatric Dentist Dr. Vail Dr. Cummings Periodontist 104 North 6th St. Atchison, KS 66002 913-367-2245 Military Insurance Provider www.heartlanddental.com A Leavenworth Times Publication Page 19 Dr. Smith Oral Surgeon 64821 Dr. Grisby funeral home How to: Choose a Funeral Home When grieving over the loss of a loved one, the last thing you want to be thinking about is planning their funeral. However, if no funeral plans were made prior to the death, you may find yourself facing this reality. This is a difficult process and you want to make sure that you are comfortable with any arrangements you might have to make. When you are ready to begin planning, the first step you need to take is to choose where you would like to have the service. This decision may be easier if your loved one was a member of a church, synagogue, mosque or other religious organization. Next, perform a search on the Internet or newspaper obituary page to find funeral homes in your area. Call each one and make an appointment for an on-site or telephone arrangement conference with a funeral director to discuss your basic options. Most likely, the cost of the funeral is one of your concerns. Start your conversation with the funeral director by asking about the basic fee. Independent familyowned funeral homes may offer lower costs, but you won't know for sure until you talk to them. From there, you can follow-up with questions on available services and any down payments you will need to make. After this initial conversation, you can make a more educated estimate of your funeral budget. There’s no getting around the high cost of funerals. It is said to be one of the most expensive purchases you will make. The total cost can easily run over $10,000, with the casket alone making up over half of the sum. With the funeral director, you will review general pricing with a list of services. You won’t want to make any decisions on the spot, so ask the funeral director for an itemized price in writing. The Federal Trade Commission mandates that each funeral home provide customers with a pricing list. Remember that you have control over what services you receive. You should never pay for funeral services that you do not want. If casket prices at your chosen funeral home are too pricey, you have the right to purchase a casket elsewhere with no additional charge. Compare prices at other funeral homes and on the Internet, then make the choice that works best for your situation. If you are planning the funeral with other family members, make sure you discuss who is going to be the primary contact for all funeral arrangements. This makes things easier for both the funeral home and family members who are trying to get information on arrangements. After finalizing your decision on what type of service you would like, you need to get all of the paperwork in order. This means filling out and submitting all necessary permits and copies of death certificates, as well as securing burial arrangements at the cemetery or crematory. This may all seem overwhelming, but remember that if you have done your research you have chosen the best funeral home for the needs of your loved one. They have the expertise to guide you through this difficult process and to ensure the funeral runs smoothly for everyone. Remember if you have any questions, do not hesitate to ask the funeral home for their advice. You always have the option of finding a different funeral home if you have problems with them down the road. If that happens, you only need to pay for services that you requested them to perform. Contact your funeral home for additional questions or concerns. RELY ON US During a difficult time, the last thing we want to do is compound a grieving family’s stress. That’s why we’re devoted to making tough decisions easier with affordable burial or cremation services. If you’ve had the misfortune of losing someone dear to you, we extend our helping hand and sincere condolences. Serving All Faiths Dignified, Caring & Affordable Page 20 707 S 6th St. ~ Leavenworth, KS~ 913.682.2820 A Leavenworth Times Publication June 2011 65263 fitness center How to: Choose a Fitness Center Joining a gym is an excellent step on the path to a healthier lifestyle, for both experienced fitness enthusiasts and those newly resolved to get in shape. The benefits of exercise are wellknown: it releases endorphins, elevating mood and fighting stress; it builds muscle, which more effectively burns calories; it increases energy and improves sleep; it can lower blood pressure and reduce the risk of some types of cancer, osteoporosis, and Type 2 diabetes. However, any fitness regimen can be easy to begin but difficult to maintain. The excuses are varied. Lack of time, lack of motivation, or simple boredom all get in the way of forming good fitness habits. A gym works against the latter problem by providing a variety of equip- ment, programs and teachers to switch up workouts and keep exercise interesting. Membership is a great way to meet other people with similar goals, who can help offer motivation. And because you have already paid for the gym use, it is more difficult to claim lack of time as a reason to skip exercising. Before you begin the search for a gym, it’s important to define your fitness goals. If you want to trim down, what is your goal weight? Do you want to maintain your current fitness level or do you want to add bulk? When you are visiting different gyms, convey your goals to the staff and ask for their advice. It’s important that they are knowledgeable enough to guide you through the different machines and are interested in helping you achieve your unique goals. No matter what your fitness goals are, it’s likely that strength training will be an integral part. Even if you are looking to slim down, improving your muscle mass is very important. The only thing in our bodies that burns fat is muscle, nothing else. As we age, we lose muscle. On average, adults lose 7 to 10 pounds of muscle every 10 years after the age of 26. So it only makes sense, that we put on weight easier as we age and it’s harder to take it off. Muscle also controls our metabolism, which is the rate at which we burn fat. The less muscle density that we have the less efficiently we burn fat. That is why strength training is often at the heart of any workout plan. The staff at the gym you choose will be able to help get you started. most important thing is that you feel safe and comfortable, and that you think that you can achieve your fitness goals in the environment. The right gym for you is not necessarily the largest or most popular. The Volunteers Wanted! Anytime Fitness needs 50 volunteers to participate in a 21-day fitness study! Vo l u n t e e r R e q u i r e m e n t s • Age 18 - 65 • Do not currently exercise on a regular basis • Will agree to follow a supervised 21-day training program with moderate exercise 30 minutes three times a week. • Will take supervised fitness profile at the start and end of the 21 day program • Do not need to be a member of Anytime Fitness • $20 fully refundable deposit upon completion of study • Must be first time guests This is a confidential scientific study that will contribute to a community wide research project. You will be under no obligation once the trial is complete. June 2011 100 East Kansas Avenue, Suite C (Above Verizon Wireless) • Lansing, KS 66043 (913)364-4455 • [email protected] A Leavenworth Times Publication Page 21 look younger How to: Look 10 Years Younger If you want to be successful in today’s highly competitive, fast-paced business world, it’s important to look young. And if you’re one of those many individuals in their 30s, 40s, 50s and even 60s who are giving love a second chance, of course you want to look as youthful as possible. That’s why plastic surgery is becoming increasingly popular with millions of Americans in every walk of life. Botox, Juvederm and a regular regimen of facials have helped redefine what it means to grow older: today’s 55-year-old often looks hardly a day over 35. Plastic surgery and beauty treatments used to be something that people shied away from talking about. But today’s culture is very much about giving credit where credit is due. Today, people are open about their interest in procedures that can help preserve a youthful appearance. Read on if you’d like to learn about some treatments that will shave decades off the way you look. ■ FOTOFACIALS: Want to improve the texture of your skin, eradicate age spots and sun damage and clear the signs of aging from your facial complexion? Then Fotofacials are for you. Fotofacials reverse the harsh effects that unfiltered sunlight has on the delicate skin of your face, leaving you with a fresh glowing complexion. Light pulses are used to minimize the fine lines, broken capillaries and enlarged pores that for many are an unavoidable consequence of the aging process. Fotofacials are also effective against acne, rosacea and varicose veins. The process is noninvasive so in hardly any time at all after a Fotofacial you will be out showing off the new improved you. ■ BOTOX: Botox is used to eradicate facial wrinkles. It is minimally invasive, and one treatment generally lasts between three and four months with results that most people find nothing short of amazing. Some physicians are become so adept at Botox injections that the treatments last for six whole months! Botox injections have become a commonplace procedure in today’s society, popular with many women – and increasingly with men as well. Botox injections help your facial muscles cease the involuntary contractions that cause lines and wrinkles to form around the eyes, the forehead and the mouth (“marionette lines.”) In the forehead area, Botox can also help raise the brow line. According to the American Academy of Cosmetic Surgery (AACS,) over 17 million Americans, both female and male, received some type of cosmetic beauty procedure in 2009 – the largest number ever. And that number is growing by leaps and bounds every year. Asian Americans are the culture most comfortable with cosmetic treatments; fully 30% of those surveyed reported that either they have received or would consider receiving a beauty treatment like lipo- suction, a facelift or Botox. But Caucasians and African Americans are also becoming increasingly comfortable with cosmetic treatments, the same study showed. When you’re looking good, you’re feeling confident. When you’re feeling confident, you are able to accomplish more of the things that are important for you to be able to do – whether it’s getting that workplace promotion or finding a new love. Be honest with yourself: Are you completely happy with the way you look? Would turning back the clock give you a new enthusiasm for your life? Then like so many other millions of Americans, you owe it to yourself to consider cosmetic beauty procedures. Botox and specialized facials are an easy, cost-effective means of improving your appearance; a brow lift, facial, tummy tuck requires more of a financial commitment. Either choice you make will make you want to look in the mirror more often to admire the new, improved you. Spa Services • Aesthetician Services • Botox® • Dysport • Cutera Titan • Laser Genesis • Laser Hair Removal • Laser Vein Therapy • Photo Genesis • Restylane Injection • Vibradermabrasion • Restylane • Juvederm Other Services Include • Family Practice • HCG Weight Loss Program • Medical Spa/Laser Services W E S T O N FA M I LY C L I N I C & M E D I C A L S PA Debra C. Keith, D.O. Page 22 118 2 1 5 S t a t e R o u t e 4 5 N , W e s t o n , M O 6 4 0 9 8 8 1 6 - 6 4 0 - 2 7 6 2 • http://www.wfcmedspa.com A Leavenworth Times Publication June 2011 65264 HVAC How to: Choose an HVAC Company In the summer, there seems to be nothing more important than good air conditioning. In the winter, nothing is more important than an effective heating system. The key to getting great heating and air conditioning service is finding the right HVAC company. It’s been said that an HVAC company is like a spouse. Good ones are helpful, reliable and there for you in your times of need, whereas bad ones will cost you a lot of money, cause you many headaches and put you in uncomfortable situations. Word of mouth will provide the best recommendations for an HVAC company. Ask your family and friends who they've had good experience using. When you hear the same name more than once, that's a good sign. Make sure that you let the company know that they were recommended by people close to you. This will let them know that they need to do a good job or other customers will hear about it and maybe consider taking their business to another company. You want to make sure any company you use is reputable. Unfortunately today many are not as reputable as we’d like to think. Ask the difficult questions. What are their prices? Do they offer a guarantee or warranty? What are their usual turnaround times? What manufacturers do they use? Selecting a high efficiency unit is smart. Hiring a contractor who will install the unit so it performs at the high level of efficiency is very smart. It takes great skill and a little extra time to design and test the system to ensure the equipment was installed correctly. Post installation measurements are key factors to ensuring your energy savings and guarding your health and safety. You should receive the equipment's operators manual(s) and be shown how to do a few simple things, like operate the thermostat and change the air filter. You should receive warranty and maintenance requirements and contact information. You'll also want to know if the company has insurance for accidents that are likely to happen occasionally. This can save you from having to file a claim on your homeowners insurance should any mishaps take place and cause damage to your property during the installation. HVAC companies that are quality businesses will have a membership in a reputable professional organization such as the Air Conditioning Contractors of America. Make sure to check proper permits. An HVAC company getting the proper permits can save a homeowner many headaches. Following this advice will help you find an HVAC company that will help save you some money and leave you satisfied with their work. COUPON Air Conditioner Clean & Check Service $100.00 • Air Conditioning & Furnace • Indoor Air Quality Monitoring Products • Remodeling & Handyman Service • Patio, porch & deck enclosures • Roofing & Guttering s ’ l e s Be HOME IMPROVEMENT COMPANY • Siding & Replacement Windows • Electrical & Plumbing Licensed & Insured 682-7000 102nd Anniversary ~ 1909 - 2011 June 2011 3rd & Santa Fe, Leavenworth www.besels.com A Leavenworth Times Publication Please mention coupon when scheduling service. Present coupon at time of service. Offer expires August 31, 2011 s ’ l e s e B HOME IMPROVEMENT COMPANY Leavenworth/Lansing 682-7000 Basehor/Tonganoxie 724-4024 650.36 Page 23 insurance How to: Choose an Insurance Agent Many people struggle to find the best insurance agent. It can be complicated knowing whether a specific agent is looking out for your needs or their own commission. Sometimes people do not know the best ways to go about finding an agent. It is important to ensure that you have the correct insurance in order to protect yourself, and you can do this with the help of an insurance agent. Before selecting the the type of insurance that you want, you will need to find an experienced agent. It is crucial to research agents and make sure that you are choosing one who is reputable. You may want to ask family members and friends if they recommend their insurance agents. If you are recommended an agent, chances are you will be just as pleased as your friends and family members. A good agent will do their work correctly Page 24 and professionally in order to continue receiving referrals. If you choose an agent and are pleased, your agent will hope that you recommend their services to others. If you do not have an agent recommended to you, you can still do outside research. You may consider calling insurance brokers and individual insurance companies. If you choose to do business with a larger insurance company, their agents will often be more consistent from office to office because of standardized training and practices. You should consider that they may not be as creative with their services, however, as an independent agent. Take a lot of care when shopping for the best agent. Treat this research as your would purchasing a new car or home. Make sure that you pick a company that is highly reviewed. You will also want to consider making sure that all licensing is in order for the agent that your choose. Once you decide on some possible agents, it is a good idea to meet with the agents or brokers. Have a list of questions and concerns so that you can get any questions that you have answered. Make sure that you feel comfortable with the broker or agent's answers. If you feel as if an agent is trying to get you to purchase a policy that is not appropriate, this is not a good sign. Some agents may try to hard to up-sell a policy. Alert your agent that you are looking for more information and are not ready to agree on a policy right away. If you choose a good agent, they will allow you to take your time and gather all of the important research needed to make your decision. Also make sure that your agent is willing to have a relationship with you. A Leavenworth Times Publication You do not only want to have a policy sold to you. With a relationship, you will be able to contact your agent if you have any questions or concerns. This can include receiving help with filing a claim. Take caution to choose an agent that is reputable and well-established. If your agent has been in the business for many years, chances are they will better understand the policies that they sell and be able to take extra care to ensure that you are properly protected. It is important to get the correct insurance in order to protect you and your financial future. The right research needs to be done in order to assure that you are getting the right insurance policy. You, your family and your finances will benefit from your efforts. You will be better protected with the help of a good insurance agent. June 2011 jeweler How to: Choose a Jeweler When the time comes to purchase new jewelry, such as an engagement or graduation, the choice of which jeweler to go to is an important one. In order to get the best deal, the consumer has to weigh many different options, balancing all of one’s options with what is wanted and for what price. This problem is made more difficult by the large number of jewelers active in the market today. While most jewelers have some merit, making the right choice requires knowing not only one’s own wants and needs, but also how the jewelry business works. While different jewelers possess different skill levels and qualities, there are a few things that jewelers should offer their customers, and without those things a customer is at a disadvantage. Essentially, consumers who are seeking out the right jeweler should find someone who is skilled, attentive and reasonable. The most important quality to look for is skill. Not all professional jewelers are equal in terms of their skill, and some of them will have more ability than others. This makes it very important for the consumer to search for a jeweler who has continuously demonstrated great skill. The best jewelry professionals are those who can create pieces with their own hands, and they are the ones who can fix just about anything without any problem. These kinds of jewelers understand every part of the process, and they are capable of performing their work on their own, from start to finish. The consumer who finds a jeweler with these kinds of skills will be pleased with their results. However, the jeweler’s business is not entirely about skill and expertise. Instead, a jeweler’s skill is coupled with how much care is offered for to each customer for his or her specific needs and wishes. When an individual makes a purchase, the product should be more than just a ring or a neck- ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR 513 Main Street,ESTATE Weston, MO 64098 ANTIQUE JEWELRY JEWELRY APPRAISALS 816.386.2526 ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ESTATE 8 from theANTIQUE Gate! JEWELRY Eight miles from the front gate over the river to downtown Weston! GEM JEWELRY APPRAISALS ANTIQUES DIAMONDS STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY We Appreciate Your Continued Support. APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE MILITARY PERSONNEL AND THEIR SPOUSE RECEIVE 20% OFF EVERYDAY WE BUY GOLD June 2011 lace. In addition to skill and service, the consumer should expect a guarantee. The top professionals in the industry will offer free repairs and unlimited service for their work. This means that if it breaks, it can be taken back to the jeweler repairs. This guarantee can create a personal relationship with the jeweler, which is the best situation for consumers. Some jewelry purchases are a considerable financial and sentimental investment. For the buyer, this means that they will want to know that the jeweler is going to create the best possible work. For those who have created a personal, working relationship a jeweler, it is possible to have faith in finished product. However, these relationships cannot be forged without first choosing and working with a jeweler for a long time. While price is an important factor to consider, choosing a jeweler on the basis of price alone is not always the best idea. While a jeweler may offer a solid price, they might not deliver in terms of quality or other important factors. When choosing a jeweler, the consumer should be assured of getting the best deal possible without any fear of being cheated. Many jewelers can provide this type of price assurance, while also providing a level of quality and service that is worth the investment. The good thing is that a large number of reliable jewelers are active in the market, but choosing the right jeweler is a process that should involve a long period of personal research. Deciding between all the available options can be a challenge, but by focusing on finding a skilled, experienced, and attentive jeweler, the process is certain to be a success. By demonstrating these qualities, jewelers become well-known in the industry, so figuring out who they are should not be difficult once you know what to look for. 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ESTATE JEWELRY DIAMONDS GEM STONES CUSTOM WORK EXPERT ANTIQUEsomeone JEWELRY JEWELRY REPAIR Always ANTIQUE JEWELRY ESTATE JEWELRY ANTIQUES DIAMONDS GEM STONES APPRAISALS ANTIQUES DIAMONDS GEM STONES EXPERT JEWELRY REPAIR ANTIQUE JEW CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE JEWELRY APPRAISALS ANTIQUES DI JEWELRY ESTATE JEWELRY APPRAISALS ANTIQUES STONES CUSTOM WORK EXPERT DIAMONDS GEM STONES CUSTOM WORK EXPERT ANTIQUE JEWELRY ESTATE JEWELRY JEWELRY REPAIR JEWELRY APPRAISALS ANTIQUES ANTIQUES DIAMONDS GEM STONES DIAMONDS GEM STONES CUSTOM WORK EXPERT EXPERT JEWELRY REPAIR JEWELRY APPRA JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY DIAMONDS GEM STONES CUSTOM W APPRAISALS ANTIQUES DIAMONDS GEM STONES JEWELRY REPAIR ANTIQUE JEWELRY CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE APPRAISALS ANTIQUES DIAMONDS *CUSTOM WORKAPPRAISALS JEWELRY ESTATE JEWELRY ANTIQUES CUSTOM WORK EXPERT JEWELRY REPA *EXPERT DIAMONDS GEM STONES CUSTOM WORK EXPERT JEWELRY 65221 ESTATE JEWELRY APPRAISA JEWELRY REPAIR ANTIQUE JEWELRY ESTATE JEWELRY DIAMONDS GEM STONES CUSTOM W JEWELRY REPAIR APPRAISALS ANTIQUES DIAMONDS GEM STONES JEWELRY REPAIR ANTIQUE JEWELRY CUSTOM WORK EXPERT JEWELRY REPAIR ANTIQUE APPRAISALS ANTIQUES DIAMONDS JEWELRY ESTATE JEWELRY C STO O T A It’s all the rage! A Leavenworth Times Publication Page 25 daycare How to: Choose a Daycare Choosing a daycare is a very important job for parents. The sad truth is that children in daycare often spend more time with their daycare providers than they do with their parents. Therefore, it is extremely important to select a daycare provider that is trustworthy, kind and reliable.It is a good idea to spend a day visiting several potential daycares. Take the child or children that will be spending time in the daycare with you. It is just as important that your children feel comfortable with the daycare as you do. The following are the areas of the daycare that you should evaluate. ■ EMPLOYEES: Watch how the employees interact with their charges. You want to make sure that they are kind and respectful to all of the children in the daycare. Make sure that they don’t play favorites. Make sure they spend equal amounts of time and energy on all of the children. You also want to ensure that enough staff members are present to take care of all of the children well. Lastly, make sure that the staff is practicing good hygiene. Anywhere a large number of children are present, this is very important. ■ FACILITIES: The employees are the most important area to evaluate. Next in importance is the building or buildings in which your children will be spending their days. Make sure that all areas of the building are well-lit. Also, make sure that the paint scheme and décor are warm and inviting. Bright, primary colors are best for children. Look to see if all areas of the building seem safe for children. Especially make sure that there are no dangerous chemicals or medicines within the grasp of curious kids. Ensure that there are nap We’ve created a loving, nurturing and secure environment where children feel free to express themselves and embrace their natural love of learning. Our dynamic full-time and part-time enrichment programs for children aged 2 1/2-11 include activities like music, painting and dancing along with computer time and school readiness exercises. We invite you to get to know us, and discover if our preschool is the perfect place for your little work of art. Page 26 spaces available. ■ ACTIVITIES: Children can become easily bored. It is important to make sure that they are adequately stimulated during their time in daycare. Ask the director what kind of activities the children will be engaging in over the course of the day. There should be a good mix of intellectual, creative and physical stimulation. It is a good idea to avoid daycares that have a television. Time spent in arts and crafts, story time and playground activities are much more beneficial to a child’s development than spending time in front of a television. ■ ODDS AND ENDS: Ask the director about the rules of the daycare. Ask how they are enforced. Make sure that the rules seem fair and that they are clearly explained to the children. Also, ask any other miscellaneous questions that you feel are important. No matter Serving the Leavenworth/Lansing Communities since 1993 how insignificant you may feel the question is, it is important to know everything you need before your child starts attending the daycare. ■ QUESTION EVERYONE: Don’t just limit your questions to the director of the daycare. Ask employees anything that you feel is important, or even anything that you feel is trivial. Their attitude and reception during your questioning will tell you a lot about the kind of people that your child will be spending most of their days with. ■ WATCH YOUR CHILD: While it is important that you feel comfortable during the daycare visit, you also want to watch your child closely during the visit. Make sure that they seem comfortable both with the staff and the other children. If your child seems not to like the daycare, then it is a good idea to look at other daycares no matter how much you personally may like it. (913) 727-KIDS www.adeerplace.com Debir A Leavenworth Times Publication e (Owner/Director) Located in Lansing (East on Gilman Rd and 7 Hwy) T ranspotiP Ages:2 ideov 1 ⁄ 2 -1Y rsea June 2011 To learn more about our programs, our staff and our philosophy, please call, visit us online or call to schedule an appointment 65265 auto repair How to: Choose an Auto Repair Shop When your car needs repairs or service, which they all eventually do, it pays to shop around ahead of time before the repairs are needed. If you have an auto repair shop set up before your car needs any repairs or service, you won’t be forced to make a quick decision because of the need to have something fixed immediately. Keep in mind that a well-maintained car will run longer, have a better ride and help you stay within your budget for your car. THINGS YOU SHOULD KNOW ■ Many mechanics say that less than 40 percent of their new customers are walk-ins. Most come to a certain mechanic because of recommendations from friends, relatives or co-workers. If you don’t have any recommendations, be sure to ask the auto repair technician that you seek out for references. ■ Check with the Better Business Bureau in your area. They can help you determine if the repair shop’s performance and reliability measure up to the standards of expertise and professionalism. These factors are things that you should always look into before selecting a repair facility based just on the lowest price. ■ If you tend to travel quite a bit, you might want to find an auto repair shop that offers a national warranty. A warranty of 12,000 miles or 12 months will be helpful if you’re having repeat issues with the same problem. Also note that if the repair facility that you select is lacking in advanced technology, they may be unable to diagnose problems with newer cars, meaning you’ve likely gone to the wrong place. ■ Check if the shop offers a wide range of services including brake systems and electrical components. Also check their hours of operation. See if weekends or evening repairs would be available. Check to see if the shop can do warranty repairs on your car as well. Some facilities may provide loaner cars or rental cars and some will provide you with a shuttle to and from work while your car is being repaired. ■ To ease your peace of mind, make sure the auto care facility that you choose offers a good customer satisfaction policy. You can do your part by giving the mechanic time to do the job properly. When choosing a shop, take note of the condition of the equipment and lighting. Be aware of the organization and cleanliness as well as the lack of both. ■ Check for the use of brand-name parts. These parts are engineered to meet the manufacturer’s specification of the car and will likely come with a warranty. The repair facility may also employ repair technicians who are certified by the National Institute for Automotive Services or the ASE. If they do, you will notice that they display the ASE symbol. ■ Compare the usual services that an auto repair facility performs such as a tune-up so that you can find an average price range. Make sure you are open to using either a big name franchise or an independently owned shop. ■ A shop which carries AAA approval is another good sign. This indicates that the shop’s customers have been surveyed and have given the shop an approval rating of 90% or better. In addition, you will know that they can handle the jobs they claim they can do. ■ After deciding on a facility, try to establish a good working relationship with the mechanic. Keep in mind that preventive maintenance is the goal. You may consider a trial run with the selected site such as an oil change or an air conditioning check. Some services are offered free of charge and can provide you with a good idea of the service you will receive. MUFFLER and BRAKE AAA CERTIFIED FULL SERVICE REPAIR SHOP in town! We Are NOW the only • EXHAUST • ALIGNMENTS • HITCHES • OIL CHANGES • SHOCK/STRUTS • BRAKE SERVICE • COMPLETE AUTO REPAIR • RIDES AVAILABLE Monday - Friday 7am - 5pm June 2011 913-682-8443 www.butlersmuffler.com A Leavenworth Times Publication Saturday 7am - 12noon 65160 220 North 5th Street • Downtown Leavenworth Page 27 real estate agent How to: Choose a Real Estate Agent The process of deciding who should represent you in the home buying or selling process is a very personal decision. Pay close attention to how the Realtor or real estate agent makes you feel by conducting an initial interview. Is the agent concerned with meeting your needs as a home buyer or seller? His or her knowledge of the current housing market and capability to negotiate a contract are also important qualities. Is there a difference between a real estate agent and a Realtor? The answer is yes. Not every real estate agent is a Realtor; however, to obtain the title of Realtor, the individual must be a licensed real estate agent. When a real estate agent becomes a member of the National Association of Realtors, they earn the title Realtor. Upon paying a membership fee to the NAR, the agent is allowed to attend industry meetings, receive newsletters and obtain access to special software programs and educational tools to help manage their business. By choosing a Realtor, a home buyer is guaranteed to be working with someone who has been fully trained, has a vast knowledge of the real estate business, and is bound by a strict code of ethics. The best practice in marketing a home for sale is to gain exposure with advertisements, such as having your home listed on the Multiple Listing Service (MLS) and conducting open houses for public viewing of the property. The Realtor you choose to list your home with should have open availability to assist you should you have questions or concerns. When in the market to buy a home, your Realtor should have effective communication skills. This will be necessary when negotiating the price you are willing to pay for a home, closing costs and any other important details that may arise. Regardless of if you are in the market to buy or sell a home, the comfort level and confidence you have in your agent is an important factor. By choosing to be represented by a Realtor or real estate agent, you have laid the foundation for a new relationship. As with all relationships, you should feel certain that your Realtor or agent is ethical and willing to fulfill their end of the commitment. During the process of locating the best Realtor for your needs, you may want to make phone calls to local brokers and they will connect you to a qualified real estate professional within their office, or visit the NAR Web site and do an online search. This will also insure that you will be working with a legitimate agent. Asking around to family and friends for referrals can also be a way to find a perfect fit. As with any endeavor in life, knowledge is power. Researching different aspects of the real estate industry, whether buying or selling, is just plain smart. From searching the Web or real estate magazines to find the home of your dreams, to networking with other buyers or sellers, you will gain a vast amount of information. One very valuable Web site that is full of important real estate facts is www.Realtor.com. This site was created for the National Association of Realtors. The information within is free and very useful. Here, you will find detailed lists about housing statistics and the current market forecast, along with buying and selling tips, and much more. This knowledge is sure to put you on the path to real estate success. prepare your home How to: How to Prepare Your Home to Sell Selling your home can be an emotional decision. Not only does it signal a major change in your life, but your home has more memories and feelings attached to it than other possessions typically do. As soon as you make the decision to put your home on the market, though, you need to look at it from a potential buyer's point of view. That means setting aside your own feelings and thinking about your home as a business person would, trying to market it to the largest possible pool of buyers. Take some time to consider the main points a potential buyer will be looking for, and make your home fulfill as many of those requirements as possible. For starters, buyers are always looking for a spacious home with ample storage. You can increase your home's appeal by clearing the clutter from every room. Clutter obstructs the potential buyer's ability to see the space your home has to offer. Page 28 Buyers will look in closets and cabinets. These areas need to be organized so that it appears that your home has plenty of storage space. You may have to pack and store some things in order to create the a feeling of spaciousness that makes your home more appealing. Before prospective buyers begin coming to your home, you also need to remove the items that make it very personally yours. If you have a grouping of family photos or ribbons, trophies, and awards that family members have earned, you need to pack those up. If you happen to collect certain objects such as cows in the kitchen or sea shells in the bathroom, pack away those collectibles. Even though items such as these are not a stationary part of your house, they can have a negative influence on a buyer's opinion of the house, because it's unlikely the buyer will have your exact same sense of taste. If you step back and look at your home from an outsider's point of view, you may see flaws that need repair.The walls may not look as pristine as a buyer would like. A major cleaning may be all that your walls and floors require, or you may need to repaint certain areas or have your floors professionally cleaned. You need to fix anything that is broken. This includes light fixtures, hinges, appliances or fixtures such as the sink or shower door that may be chipped or simply not functioning properly. If a buyers sees small signs of neglect, they may take that to mean you neglect things around the house that could potentially signal larger problems. Not only should you take a critical look at the interior of your home, you need to also examine the exterior before you put a sign in front of it letting people who drive A Leavenworth Times Publication by know it's for sale. It might even be a good idea for you to get in your car and slowly drive by your home in both the daytime and in the evening to discover how it would look to someone who is searching for their dream home. Once again, small details matter. The front porch light or any exterior lights should function properly. Your house numbers should be visible, and even your mailbox should look good. The lawn needs to be mowed or raked, depending on the season. If you have a walkway to your front door, it should not have any cracked stepping stones or plants creeping across it. Live flowers add beauty to your home's curb appeal. Dead or dying plants don't. Garden art can enhance the beauty of your landscape when kept to a minimum and when the items compliment the landscape design. June 2011 Call one of our experienced agents to assist you! WE CAN SELL ANY PROPERTY LISTED, even if it is not our company listing. Give us a call! 351-5600 New Homes available in these Subdivisions we market: June 2011 A Leavenworth Times Publication Page 29 cremation Why Choose Cremation Services? These days, cremation services are becoming more popular. It can be a cost efficient way of allowing those left behind the chance to grieve and celebrate your life. In today's world, more and more families are choosing a service with you present, followed by cremation, which offers a respectful and ceremonious way to commemorate your life. This can bring some cost-savings to your family since a casket, vault and grave spaces would not need to be purchased. Also, memorial services are popular. In either case, the thing that is important to most families is the need to grieve, to pay tribute, and to celebrate the life lived. A cremation service will give your family and friends the time needed to grieve and come to terms with the death before pro- viding a lasting memorial in the form of the urn. If you are interested in cremation, you should first learn what is involved in the process. By learning about cremation, you will be able to understand what will happen to you or a loved one after they are gone. A funeral home will be able to explain the process, along with a breakdown of the cost. There are many misconceptions about cremations; however, after talking to your funeral director, you will be able to understand exactly what the process is all about. It is important to know in advance so that you or your loved ones will rest at peace. You may want to familiarize yourself with what questions to ask. Most families would want to know: Who is caring for our loved one? Will there be licensed professional to attend to the cremation? Do you feel comfortable talking with the representatives of the cremation provider that you are considering? Are they reputable and known locally to be honest and caring? Where is the cremation to take place? You may want to select a provider that does their own cremations instead of using an outside contractor or industrial crematory. A cremation provider that owns their own crematory and does the cremations on-site guarantees that the cremated remains returned to the family are correct. How will our loved one be treated? You want to have complete confidence that things are being taken care of in a way Owned & Operated by the Davis Family for that you would approve of. The lowest cost provider may not be able to give you that peace of mind. Are the people you talk to respectful, considerate, and caring? A funeral director will provide you with options about keeping ashes in the urn indefinitely or selecting some other final resting place like a columbarium or cemetery; these are decisions that should be made with your family and close friends. While death is not a pleasant subject and not something that we enjoy planning for, you need to know that you and your loved ones have a plan intact whether that day arrives now or in thirty years. By choosing cremation and making plans now, you can rest assured that those you care about will not be left with making decisions during their grief. 156YEARS 156 Leavenworth’s Only On-Site Crematory! We are exactly where you want to be when your interest is in a family-owned, family-operated on-site crematory. To learn more about our services, please call or stop by. Davis Funeral Chapel and Crematory 531 Shawnee | 682-5523 Page 30 www.davisfuneralchapelinc.com A Leavenworth Times Publication June 2011 65041 accountant How to: Choose an Accountant You work hard for your money, and finding a good accountant means it will stay protected and work for you. It's important to make this decision wisely. The right type of accountant will help you plan ahead and give you pertinent advice. The wrong type of accountant could actually end up hurting your finances, so it's worth taking the time to find the right one. Certified Public Accountants are licensed professionals that examine and organize the financial matters of people and business. Not only do accountants need to understand how to crunch numbers, they must also be familiar with many legal aspects. This means you can turn to your accountant to answer questions when you're considering an important financial decision. They will be able to tell you the implications of that decision. In fact, some accountants are even lawyers. Many special computer programs and Internet sites have been a low-cost option for those who prefer to handle their own financial affairs. This is especially true during tax season. Many of these programs can suggest tips about filing that can save or return more money after filing taxes. The return can even be filed electronically. Most of the programs and Web sites that assist with taxes are very helpful when the filing requirements are basic. It's when things get more complicated that an accountant should be considered. If you don't fancy digging through government documents to try to figure out what they mean, then it's time to get a professional. If you've made the decision to look for an accountant, then finding a good one is important. You'll want to look for someone who has a track record of long-term relationships and satisfied clients. The Internet can be of some help. A simple search can often yield a long list of accountants in your area. You may even be able to uncover specific reviews based on previous client's experiences. Plus, Web sites can often give you more detailed information about that specific accountant and their strengths. Your local banker, attorney, and investment advisor are also excellent sources of referrals. Friends and family are another source to ask for recommendations. Much like a good mechanic, word-of-mouth tends to be the ultimate measure of trustworthiness and performance. If someone you know is already using an accountant they like, they'll definitely tell you. By referring you to their own account, they build a stronger relationship, and both your combined satisfaction will be important to the accountant. Finally, the newspaper and phone book can be some old fashioned, low-tech sources for discovering accountants. These type of media really are hit-or-miss, though. There will be many accountants side-by-side with many similar messages. Since they're all competing, it can be tough to tell which ones are good and which ones are simply blowing hot air. You can still make some phone calls and ask some questions. Try to get references if you can and don't get pressured into making a decision over the phone. No matter what method you use to find an accountant, be sure to narrow down a list of the ones you want most. To narrow it down further, there are a few Web sites that can help you. The first is the Better Business Bureau. Like any other business, accountants can be listed there. Then, there's The American Institute of Certified Public Accountants. If the accountant is a member, they're likely to be held to a higher ethical standard. Once you've got a list of accountants, then meet them in person. Really, you'll want an accountant you feel comfortable with. After all, you'll be sharing very sensitive personal financial details. 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