CONSUMER
&
HOW-TO
Guide
OCTOBER 2015
HOW-TO
Guide
CONSUMER
2
3
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
BINKLEY REAL ESTATE, LLC
CONSUMER HOW-TO CHOOSE A REAL ESTATE AGENCY
4
ST. HENRY CHIROPRACTIC
CONSUMER HOW-TO CHOOSE AN ACUPUNCTURIST
5
BRIARWOOD VILLAGE
CONSUMER HOW-TO FIND QUALITY NURSING CARE
FOR ALZHEIMER’S PATIENTS
6
MOON FLORIST
CONSUMER HOW-TO CHOOSE A FLORIST
7
SCHWIETERMAN’S PHARMACY
Guide INDEX
HOW-TO
CONSUMER
CONSUMER HOW-TO CHOOSE A PHARMACY
8
VANCREST
CONSUMER HOW-TO CHOOSE A NURSING HOME FACILITY
9
MODERN RARITIES
CONSUMER HOW-TO BUY, SELL AND COLLECT COINS
10
KOGGE INC.
CONSUMER HOW-TO CHOOSE A HVAC COMPANY
11
RABLE’S SERVICE CENTER
12
CONSUMER HOW-TO CHOOSE AN AUTO REPAIR SHOP
WESTRICH FURNITURE & APPLIANCES
CONSUMER HOW-TO CHOOSE A FURNITURE STORE
13
DOMINION EAST OHIO
CONSUMER HOW-TO CHOOSE SHOP FOR NATURAL GAS
14
SPEND-A-DAY MARINA
CONSUMER HOW-TO CHOOSE A MARINA
15
MILLER FUNERAL HOME
16
CONSUMER HOW-TO CHOOSE A FUNERAL HOME
WRIGHT STATE UNIVERSITY I LAKE CAMPUS
CONSUMER HOW-TO CHOOSE A UNIVERSITY
17
COMMUNITY HEALTH PROFESSIONALS
CONSUMER HOW-TO CHOOSE A HOME HEALTH &
HOSPICE PROVIDER
18
ALLISON’S JEWELRY
CONSUMER HOW-TO CHOOSE A JEWELER
19
D & W GOLF CART SALES
CONSUMER HOW-TO CHOOSE A GOLF CART
20
TSC
CONSUMER HOW-TO CHOOSE A TELECOMMUNICATIONS
COMPANY
HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
3
CONSUMER
HOW-TO
CHOOSE A
REAL ESTATE AGENCY
A reputable realtor and real estate agency can make a big difference when it
comes time to buy or sell a home. That’s why Binkley Real Estate, LLC is a good
choice for your Real Estate needs.
• You already know that there are thousands of dollars at stake.
• You could get the asking price or maybe you will have to settle for the best offer
on the table.
• A professional real estate agency will act in your best interests. That’s why it’s
essential to find a high-quality real estate agency, like Binkley Real Estate, LLC.
• Reputation says a lot about a company. What do people say about their services?
• Ask your family, friends and neighbors for recommendations. Their experiences
will guide you toward a reputable agency.
• Once you have a list of possibilities, do some research. Find out how long the
agency has been in business. Ideally, you want people who know your community.
Binkley Real Estate, LLC has been an Auglaize County business for over 30 years.
• Remember, if a real estate agency is merely a side business for someone, it
might not give you the best results. Buying and selling homes is a full time job.
• Look on the Internet and read customer service reviews. They should also have
an impact on your overall impression of an agency.
• Once you have narrowed your list, contact some businesses and ask them
questions. You should know about their listings, fees and commissions.
• Choose an agency that has a sharp understanding of neighborhoods that
interest you and that has solid contacts with other realty companies.
• This assumes major importance when you’re selling your current house,
because the agency usually handles the sale while the realtor helps you find your
new one.
• The marketing strategy and advertising is what makes each agency unique. It
will greatly influence the sale of your home.
• Although most companies might look the same, real estate agencies have a
preference for the kind of properties they show or sell. These concentrations might
include commercial properties or high-end homes. Try to find a business with a
focus that concentrates on selling homes similar to yours.
• Look at an agency’s listings to see if your home would fit in nicely with their
existing clients. If you were purchasing a home, would you find their listings easy to
read and informative?
• The size of the agency will have an impact on your experience. Small agencies
can provide more personalized service, but they may not have the networking
advantages of a large company. Big agencies have more opportunities to network
and sell your home, but they may have to divide their time among many clients.
• Be prepared to ask an agency the following questions if you are selling your
home:
-- How will you advertise my home? Will you use the Internet and newspapers?
-- How many pictures of my house will appear online?
-- On which sites will my home be featured?
-- Do you have other homes that have recently been sold in this price range?
-- How long has the agency been selling homes in my neighborhood?
-- What makes your agency unique?
The two biggest financial decisions you will make in your lifetime are buying and
selling a home. Protect your investment and peace of mind by choosing the best and
most trustworthy real estate agency you can find. Call Binkley Real Estate, LLC, and
feel free to ask any of the questions listed above.
“Free No
Obligation
Market
Analysis!!!”
LIST WITH
US & BE SEEN
ON OVER 60
DIFFERENT
WEBSITES!!!
Binkley Real Estate in Downtown Wapakoneta has been serving Auglaize County for over 30 years.
With the changing market, Binkley Real Estate has become a leader in new online marketing strategies.
Our Realtors can facilitate your needs now, better than ever. In the market for a new home?
Contact one of our Realtors today.
GARY BINKLEY
419-231-4333
KYLE BINKLEY
419-236-3768
JEREMY HUEBNER
567-204-5590
DICK BROREIN
419-302-1112
VALERIE MARKWELL
419-302-9787
BARB & DENNIS KOHLER
419-236-7091
THOMAS STINEBAUGH BRIANNA STUMPF CHERYL MCCULLOUGH AMANDA MOENING
567-356-0154
419-618-4563
419-296-4463
419-889-5157
419-738-3232 • 121 W. Auglaize St., Wapakoneta • binkleyr@bright.net •
www.binkleyre.com
HOW-TO
Guide
CONSUMER
4
CONSUMER
HOW-TO
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CHOOSE AN
ACUPUNCTURIST
Acupuncture works! But your experience with acupuncture will depend largely
on the acupuncture provider that you choose.
You want to find an acupuncturist that best suits your needs. If you like and trust
your practitioner, your encounter with acupuncture will be more positive.
You will also want to know about the acupuncturists training and experience
and what to expect from the acupuncture treatment. The clearer you are about who
it is that is treating you and exactly what the treatment entails, the more you will be
able to relax during the acupuncture session and benefit from this ancient form of
health care.
Determine your goals
Do you have a specific injury or complaint or do you want to try acupuncture
to balance body, mind and spirit? Are you looking for a primary health care
practitioner, or someone to work in conjunction with your current physician?
Here are some questions that you should ask when choosing an acupuncturist.
1. Where was he or she trained to practice Acupuncture?
2. How long has he or she been in practice as an acupuncturist?
3. What experience does he or she have in treating your specific ailment?
4. How much are sessions?
What Qualifications to look for when Choosing an Acupuncturist
Today acupuncture is an acknowledged and respected field of medicine. In most
States, and countries formal training and certification is required in order to practice.
Ohio has set rigorous training standards for Chiropractors to practice
acupuncture. Most states require a degree from an accredited school and issue a
written state board exam before becoming licensed.
Traditional Chinese medicine explains acupuncture as a technique for balancing
the flow of energy or life force — known as qi or chi (CHEE) — believed to flow
through pathways (meridians) in your body. By inserting needles into specific
points along these meridians, acupuncture practitioners believe that your energy
flow will re-balance.
In contrast, many Western practitioners view the acupuncture points as places to
stimulate nerves, muscles and connective tissue. Some believe that this stimulation
boosts your body’s natural painkillers and increases blood flow.
Ask About Treatment Styles
Acupuncture encompasses several distinctive styles. Korean acupuncture, for
example, primarily uses points on the hand, while Japanese acupuncture calls for
fewer and finer needles inserted at shallower depths.
There is no evidence that one particular style is more effective than another, but
you should know what you are getting into.
Discuss Length of Treatment
Decide in advance what your expectations are and discuss them with your
acupuncturist. A chronic illness may need several months of acupuncture treatment
to have a noticeable effect.
Since acupuncture has few side effects, it may be worth a try.
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
HOW-TO
Guide
CONSUMER
CONSUMER
HOW-TO
FIND QUALITY NURSING CARE
FOR ALZHEIMER’S PATIENTS
Placing a loved one in a care center is one of the most difficult tasks a family member
ever faces. But when it becomes necessary, prospective residents and their families should
have the best information possible to make this decision. The Alzheimer’s Association
gives great resources to help a loved one make the best decision regarding medical care
for a person with Alzheimer’s disease. Follow these steps to gather valuable information
about potential placement for an Alzheimer’s patient. First, determine if alternative
living is appropriate. It may be hard for the person with dementia to understand their
needs, which is why you, the caregiver, are the one to determine what is best for them.
In determining what is best, there are certain conditions to look for in both the person
with dementia as well as the caregiver. For the person with dementia, the Alzheimer’s
Association suggests to ask these questions: Have they become increasingly withdrawn
and isolated? Have they been experiencing steadily deteriorating health? Are they
experiencing wright loss due to swallowing problems related to the progression of the
disease? Is unable to feed, bathe, and or/dress themselves? Are they prone to falls?
Do they require assistance with walking? Have they become bedridden? Are they
wandering, confusing days and night, or unaware of their surroundings? Have you called
the police to find the person, or has there been an injury related to wandering? Have
they experienced episodes of “acting out” or violent behavior? And finally, are they
having increasing problems with incontinence? The stress of caregiving can have a huge
effect on the individual that dedicates so much of their time and effort of keeping an
Alzheimer’s individual at home. But, it is just as important for the caregiver to keep up
on their health too. That is why the Alzheimer’s Association also suggests that caregivers
ask themselves these questions: Are you unable to socialize or take time for yourself?
Are you physically able to lift or transfer the person with dementia? Are you having
difficulty sleeping or getting enough rest? Are you neglecting other familial roles and
friendships? Are you feeling stressed and exhausted, hopeless or helpless? Are you using
alcohol or medications to cope? Are you experiencing frequent bouts of crying? Have
you become ill more than once in the past six months with a serious health problem
such as pneumonia? Are you becoming verbally, physically or emotionally out of control
in response to a person with dementia who doesn’t listen, asks the same question
excessively, and wanders? If you can answer yes to any or all of the questions posed for
either the Alzheimer’s individual or the caregiver, this can be a strong indication that
alternative living would be in the best interest of all concerned. Second, determine
the type of alternative living that is appropriate. There is a wide variety of residential
facilities available in the Mercer/ Auglaize County and surrounding areas. Some of these
care centers have specialized units for those with a dementia or Alzheimer’s diagnosis.
However, others may take Alzheimer’s patients even if they don’t have specialized
Alzheimer’s programming. Choosing the type of alternative living may depend on what
stage the individual is at in the Alzheimer’s disease process. If the individual only needs
little assistance, an Assisted Living may be appropriate. Assisted Livings are designed to
meet the individual needs of those requiring help with activities of daily living, but who
do not need the skilled medical care provided in a nursing home. Nursing Homes, on
the other hand, are designed for those who are in need of 24-hour care. Finally, know
the importance of a specialized unit with Alzheimer’s or dementia programming. These
Alzheimer’s units focus on memory retention, processing and concentration skills. In
these designated units, they usually have primary care providers that are extensively
trained to care for memory impaired patients, are specially designed for comfort and
security, have individualized daily schedules and 24-hour programming, have sensory
stimulation and relaxation techniques, and have family support and activities. When
choosing between the different specialized units, it is important that you spend time
in the units as they can vary considerably from place to place. Most initial visits are
spent getting to know the facility as a whole. In order to get to know the specialized unit
better, it is suggested to speak with the coordinator of the Alzheimer’s program, if there
is one, and to spend time observing the staff and resident interactions in the Alzheimer’s
unit. When there, the Alzheimer’s Association recommends asking these questions:
What kind of activities do you have for people with memory loss? How many hours
a day do you have planned activities? (The better programs have structured activities
throughout the day, at least 5 days a week.) What makes your dementia unit specialized?
What precautions do you have for those who wander? Is it possible for someone to walk
out? Does your staff have special training for dealing with difficult behaviors? If you
can answer yes to these questions, then the care center is probably making a difference.
Another suggestion would be to speak with the family members of a patient who is in
the facility or specialized unit. They can provide direct insight into the workings of the
care center.
5
HOW-TO
Guide
CONSUMER
6
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
CHOOSE A FLORIST
At Moon Florist, they believe that flowers brighten up any day or event. Whether
it’s a wedding, funeral, corporate dinner, a simple “just because,” or a holiday, the right
flowers will help set the tone.
Research the Florist. If you’re having an event a special venue, talk to the staff there
to see if they have any recommendations on who they like to work with. Often, if they
like several local florists, they rotate between them.
Another great place to get suggestions is from friends and family. Ask them what
florists they’ve used, and what they liked about the florists. People often tell Moon
Florist that they like their creative arrangements and their large selection of unique
gifts.
If you have a large event, some find it helpful to narrow your list down to two or
three florists who appeal to you. Then start interviewing them. If you have a smaller
occasion, a visit to the store is the best place to start.
A great way to work with a florist is to find suggestions in magazines. Make notes
about why you like certain arrangements. Tell the florist your estimated budget so they
can prepare before you actually meet with them.
When you enter the shop, you should be very observant. By watching the
cleanliness, organization and friendliness of the store, you’ll get a good impression of
how the florist will act when working with you on a personal basis.
All of the flowers in the store should be well-watered and attractively arranged, and
there should be a large variety. An experienced florist, like Moon Florist, will be able to
give you numerous suggestions as to what types of flowers to use. The flowers should
be those that are locally in season for your event.
Have the florist show you pictures of arrangements they have made in the past.
Each florist has their own personal flair. Moon Florist is owned by three sisters with a
dream to make a difference. Darlene, Deb, and Jenny, daughters of Lester and Helen
Shenk and the late Pauline Shenk pride themselves on not just offering a product, but
actual service with each item they sell. From fresh to silk flowers... they have a talented
team of designers and sales staff committed to making your experience a good one.
And, custom orders are always welcome at Moon Florist!
If you brought pictures of arrangements that you have seen, such as from Pinterest,
be sure to show the florist. Discuss the arrangements, and the aspects that you like. See
if the florist thinks they can create similar arrangements. If you have a custom piece you
want done, or measurements, bring those in as well. The creative team at Moon Florist
enjoys working with customized pieces.
Once you have determined the florist you want to work with, it is important to nail
down the specifics. You should know exactly what type of arrangements the florist may
make, even though you may not know exactly the flowers that will be used.
You should also know when payment for the flowers is expected. If there is
a contract, be sure you understand all the specifics on the contract before you sign
anything.
Trust the florist to deliver the flowers as promised. Moon Florist delivers to all
local funeral homes, hospitals, and nursing homes, as well as homes and businesses in
a respectable radius. They can even help you send your flowers out of town, out of the
state, or around the world!
Using flowers to decorate enhances any event. But it doesn’t have to be a special
event or occasion. It can just be a bouquet or planter to brighten someone’s day..
even your own! Make sure to rely on a professional florist to perform this valuable
service. The wonderful, seasonable colors and beautiful aroma will add to everyone’s
enjoyment.
HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
7
CONSUMER
HOW-TO
CHOOSE A PHARMACY
Why Choose a Local Pharmacy
These days, shoppers can pick up over-the-counter medicine and prescriptions
from any big chain retailer. The convenience of picking up your medicine while
shopping for groceries or clothing is appealing to most people.
However, people shouldn’t be so quick to neglect using a local pharmacy.
There are several reasons why an individual should choose to shop at an
independent community pharmacy versus a big chain retailer’s pharmacy.
Buying locally from an independent pharmacy supports the local
economy. When customers buy from an independent pharmacy, jobs are created
for pharmacists, pharmacy technicians and other staff. Also, a large percentage of
the money spent stays in the community as to going to a large chain’s headquarters
located in another state.
When you shop at a local pharmacy, you will find friendly staff who probably
know you and your family. In fact, it’s not uncommon for customers to develop
personal relationships with the staff. The value is placed on you and not your
money. You are far more likely to develop a personal relationship with the staff at
your local independent pharmacy. A personal relationship ensures great service.
Schwieterman Pharmacies have been serving the area for nearly a century, and will
be celebrating 100 Years in business in 2016. You will find a local Schwieterman
Pharmacy in several communities; New Bremen 419-629-2336, Minster 419-6282305, St. Marys 419-394-3219, Wapakoneta 419-738-5959, Coldwater 419-6783435 and coming soon to Celina in 2016!
Local pharmacies have shorter wait times. Big chain retailers seem to attract
big crowds, which in turn, mean long lines. However, local independent pharmacies
will work to have you out in a short time. They realize that you have other things to
do besides wait for your medicine.
You can choose from a variety of over-the-counter products. Despite being
major chain retailers, their pharmacy departments don’t always carry that special
over-the-counter product you are looking for. Truthfully, you might discover that
they carry a limited selection. When you shop at an independent local pharmacy,
you’ll likely find a product that helped your mother in her younger years whenever
she was sick – now available to heal you as well.
A local pharmacy offers customers more services. A local independent
pharmacy will usually offer it’s customers a variety of services. Some of the services
you can find at your local Schwieterman Pharmacies are Health Screenings,
Hormone Replacement Therapy, Medication Synchronization, Nursing Home
Services, Prescription Compounding, RX Refills, Vaccinations and a host of other
services.
The owner resides in your state and not at another location. Chain retailers
are headed by corporations in big offices in big cities. Of course, they never meet
the people who make their businesses a success. This differs with an independent
pharmacy. The owner lives in the same state and likely interacts with the people
who make his business successful; particularly since he probably still works there.
Furthermore, his business is likely to be family owned.
As you can see, a local independent pharmacy, like Schwieterman Pharmacies
has a lot of advantages over large retail chains, one of which is viewing its customers
as “people they love to serve.” Thus, this is why it’s better to choose an independent
pharmacy for your pharmaceutical needs versus the major retail chains.
HOW-TO
Guide
CONSUMER
8
CONSUMER
HOW-TO
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CHOOSE A
NURSING HOME FACILITY
A nursing home is not the facility that we remember from years past so the first thing
you must decide is why does a loved one need the nursing home facility. A nursing home
can be a short term rehab center or a short term respite stay. It could also serve as a hospice
respite, long term care placement or a provider for your outpatient therapy. First and
foremost, you must figure out what services you are looking for from the nursing home.
Remember that not all nursing homes are the same. Many of them offer the same
services, but each facility has their own strengths and weaknesses and their own culture
and community. The best way to determine if you or your loved ones’ needs can be met
is by visiting the facility, talking with current residents and families and talking with your
primary care physician or healthcare community.
Visiting the Facility: If you are interested in a facility, stop in at the facility
unannounced. Just drop in and walk around. See how the staff treats the residents and
you as a visitor. Pay attention to the current residents. Are they well groomed? Do they
seem happy? Are there activities going on? Is there enough staff ? Does the facility have
plenty of natural light and pleasing décor? Is the facility clean? Is it free of odors? If this
facility meets your expectations, proceed with a structured tour and consultation with the
admissions director.
Tour and Consultation: Schedule a formal tour and consultation with the admissions
director. If the prospective resident is able to join you for the tour, it could be beneficial.
Please remember that a nursing home could be their long term home. Each resident has
their own personal preferences and they should be included with the selection process.
If the potential resident is not able to come in to the facility, at the very least make a list
of the things that are most important to your loved one. Each facility will offer the basic
services, but you need to find a facility that caters to your loved one’s overall preferences.
When you meet with the admissions director, be sure to bring the list of preferences and
any questions or concerns that you or your loved one might have. Some questions you
might want to ask: Does your facility accept my loved ones’ insurance (especially if it
will be for a short term rehab stay)? Does your facility provide in-house therapy and if so
what types of therapy are offered? Will my loved one get a private room? Can my loved
one stay in the same room if they choose to stay long term? What types of activities are
provided throughout the day? Does the facility provide transportation? Is there a secured
Alzheimer’s unit? Does a beautician come to the facility? Who is the medical director?
Which physicians attend at your facility? Each potential resident has specific requirements
so be sure to find a facility that can meet all or most of their wants and needs.
Talk with current residents/family members: Another great way to learn more
about the prospective facility is by asking others. Talk with the current residents and ask
them how they like the facility. If there are family members at the facility, ask them. Or
ask the admissions director to provide you with a list of a current or past residents that
would be willing to talk with prospective residents. Word of mouth is a very powerful
testimonial. Who better to ask than the people that currently live at the facility? No
facility will be perfect but remember that you are looking for the best fit for your loved one.
Ask your doctor.
The healthcare community is a small community within itself, so ask your primary
care physician their opinion about the facility. If the physician does not know, ask their
staff. Many times they are a great resource as well. Or if you know someone at the local
hospital or local home health agency, ask them. Ultimately, the decision is you or your
loved ones to make, but their input may help to ease any anxiety and direct you in the right
way. Deciding to place your loved one in a nursing facility can be difficult but carefully
weighing the options and doing the research will hopefully help make the decision a little
easier.
HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
Coin collecting, or numismatics, is one of the most popular
hobbies world-wide. People collect coins for various reasons.
Some collect them for their monetary value, as a way to trade and
make a profit. Others collect them because they appreciate the
beauty of their coins and enjoy looking at them.
Collecting coins can be a fascinating hobby. A coin’s design
is often influenced by history, events and famous people. It is an
excellent way to learn about governments and countries.
It can also be a great investment if you purchase coins that
increase in value.
But it is not a simple hobby because of all the factors that
impact the value of each individual coin, from its history to its
quality and its scarcity.
If you are considering starting a coin collection, here are some
things to keep in mind.
Know What You Have
Knowledge is key for coin collectors. There is a saying in
numismatics, “Buy the book before you buy the coin!” Thankfully,
there are a lot of resources that can help you understand what you
are interested in collecting, buying or selling.
It is important to discover everything you can about a coin
before purchasing it.
If you have inherited coins, or have received them as gifts,
educate yourself on their background and value.
Most coin shops will have books that can help you get started.
You can also find information at the local library and on the
Internet.
9
BUY, SELL AND
COLLECT COINS
Once you have completed your research, you can start buying
and selling with greater confidence.
Understand Coin Grading
Knowing how to grade coins is essential if you plan to collect
coins on a long term basis. The current system assigns a numerical
value based on the coin’s condition.
The grading process is pivotal in determining value. You could
have the same two coins -- same year, same mint, same design -and they could be worth drastically different prices based on their
condition as expressed numerically when graded.
Coins in near-perfect condition are very rare and are more
valuable than circulated or damaged coins. Altered coins are not
uncommon and may be worth very little when compared to an
original coin.
Don’t Clean Coins
Never clean your coin collection! Novices are often tempted
to give their coins a polish. Shiny coins must be worth more, right?
Cleaning or polishing a coin can easily reduce or destroy its
value. It removes some of the original finish, rendering the coin
far less valuable as a result. Knowledgeable collectors prize coins
that are in their original, pristine condition.
Ask Questions
Ask questions, no matter how trivial you think they might be.
It is the only way you will learn and grow as a collector.
Look for more experienced collectors in your area. You can
find them at coin shows and shops. There may even be coin clubs
in your community. Learn about their successes and failures. It
will help you avoid common pitfalls.
It can be hard to know which dealers have a good reputation
as honest and fair, both online and locally. That’s why networking
in your area and finding people with great reputations is a better
way to get your questions answered.
You may even wish to join one of the largest collector
organizations in the United States, The American Numismatic
Association. This can be a very valuable resource! You can find
their Web site at: www.money.org.
Visit Your Local Coin Shop
Develop a relationship with your favorite coin shop or coin
dealer. Many dealers also started out as collectors and likely have
an appreciation of new collectors.
Spending time at a coin shop can be a fun way to spend a few
hours. It will also help build both your understanding and your
collection.
Once a dealer knows your interests, he can contact you with
information about the coins you are seeking. Networking may
also help you develop new friendships that stem from common
interests.
Doing these things will help you avoid wasting time and
money on bad purchases. It will also help you accumulate more
knowledge. Soon you will be on your way toward becoming a
seasoned collector.
But once you become comfortable as a collector, don’t keep
the knowledge to yourself. Give back to the coin collecting
community. Help others develop in interest in the hobby as well.
121 W. High Street, Lima
Chase Tower Building, ground floor
419-222-0623
rarecoins@wcoil.com • modernrarities.net
Northwest Ohio's Premier Precious Metals Dealer
We carry supplies for coin collectors.
Enter to win 1/10 ounce Gold Coin in our Monthly Drawing
We Buy Gold & Silver
We desperately need 90% silver coins and are paying top dollar
for pre-1965 dimes, quarters and half dollars.
Sun-Mon: Closed; Tues: 9-6 • Wed: Noon-6; Thurs-Fri: 9-6 Sat: 9-2
Call for daily quotes.
Hours:
HOW-TO
Guide
CONSUMER
10
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
CHOOSE A
HVAC COMPANY
Prolong the life of your HVAC system and prevent equipment failure by hiring a
qualified professional to service and maintain it.
When your heating or air conditioning system fails, it can be a nightmare.
Whether it is a cold winter day or sweltering hot outside, the HVAC system in your
home is important to your comfort and safety.
Most people cannot tolerate extreme temperatures. The elderly and people with
chronic health problems need to have the temperature stabilized in their homes.
The best HVAC contractors are helpful and reliable, but a poor contractor can
cost you extra money and heartache.
Ask people in your social network whom they might recommend. Good word of
mouth will go a long way toward helping you find the best professionals in your area.
After creating a list of candidates, call the Better Business Bureau, your state’s
board of contractors or the builders’ association to check on their reputations.
Your town’s building inspection office may also have information for you. Avoid
companies who have many complaints on their record.
Upon narrowing the list, call the remaining ones and ask about pricing,
guarantees and warranties. Also inquire about how long it would take to complete a
job and the manufacturers’ brands they use.
If you are purchasing new equipment, find out if you need a separate service
contractor or if routine maintenance and repairs are included in the price of
installation. Does the company provide around-the-clock emergency service?
High quality HVAC companies are fully licensed, bonded and insured. If a
worker is injured or causes damage to your property, that insurance should cover
it. Otherwise, you could be liable for the damages. Your insurance premiums would
likely increase as a result.
Reputable HVAC companies will usually belong to recognized professional and
trade organizations. Some well-known organizations include the American Society
of Mechanical Engineers, the Air-Conditioning and Refrigeration Institute, and
the American Society of Heating, Refrigeration and Air-Conditioning Engineers.
Membership in one of these organizations is not automatic. Applicants are required
to have certain certifications, meet professional standards and meet or exceed other
requirements before they are admitted.
Before any work begins, verify that all the required building permits are in place.
Most companies will file permits on your behalf at the local building codes office.
But don’t assume that it has happened. Check with the permitting office first. Work
done without proper permits could result in a fine and time delay.
Have a load calculation done before installing a new system in any building.
The best companies perform a thorough calculation rather than estimate. Buildings
change over time due to foundations cracking or settling. It will affect the efficiency
of any equipment.
The HVAC company shouldn’t use the old unit to determine the proper size of
a new one. If your old unit was inadequate, you will want to install a unit that is a
different size. Speak with your HVAC installer to determine the right size and model
for you.
Ask your HVAC contractor to perform annual checkups to verify that the unit is
running at peak efficiency.
With these tips, you can choose a reliable HVAC business that will help you for
years to come.
We Are Here For All Your
Heating, Cooling & Plumbing Needs!
PLUMBING, HEATING & A/C Inc.
ST. MARYS, OHIO
Financing Available
Family Owned & Operated Since 1952
811 Indiana Ave., St. Marys, OH 45885
www.koggeheating.com
419-394-4694
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HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
11
CONSUMER
HOW-TO
CHOOSE AN
AUTO REPAIR SHOP
Regular maintenance on a vehicle is necessary to keep it running great
and avoid large repair bills.
Having a good relationship with a high-quality auto repair shop will save
you time and hassle when your vehicle needs an immediate repair.
It doesn’t matter whether the car is new or used. At some point, it will
need tires, oil changes or even a new engine. If you have a good auto repair
shop you trust, it will make these nuances that much easier to accomplish.
If you don’t have a regular mechanic, take your car in for a regular tuneup and maintenance. Since your car needs preventive maintenance anyway,
take it to get an oil change or to service the air conditioning. This is a great
way to try out a shop to see if they meet your needs.
Here are some other things to keep in mind when looking for an auto
repair shop:
• Most people choose an auto repair shop based on a referral from
friends, family or coworkers. Less than 40 percent of new customers are
walk-ins.
• The Better Business Bureau can inform you about the repair shop’s
performance and reliability.
• People who travel often usually work with shops that offer a national
warranty. For instance, a warranty of 12,000 miles or 12 months is handy
for issues that keep cropping up, particularly in older cars.
• Ask about the shop’s range of services. They will need the latest
technology to diagnose problems with newer cars. For example, can
your prospective shop handle brake systems, electrical components and
warranty repairs? Do they provide a loaner, rental car, or shuttle service
while your car is being repaired?
• Inquire about their customer satisfaction policy. Look around the
shop. Is the equipment in good condition? Is it clean, well-lit and organized?
These factors all contribute to a level of professionalism.
• Look for brand names and proper certification. Does the auto repair
shop use brand-name parts? These parts are engineered to meet the
manufacturer’s specifications and will likely come with a warranty. Shop
shops may use remade or generic brands which your insurance policy may
not cover, so be sure to check.
• Are the auto technicians certified by a specific car manufacturer,
the National Institute for Automotive Services or Automotive Science
Excellence? Is the shop approved by the American Automobile Association?
If so, this indicates a customer approval rating of 90 percent or higher and
the ability to adequately perform the services advertised.
• Compare the services and fees of each shop in the area to find out the
average price ranges.
Don’t pick a shop based on cost; poor repair work will mean higher
costs in the long run.
Once you have found a shop you trust, establish a good working
relationship with your mechanic. When you have great communication,
getting repair work completed will be less painful.
HOW-TO
Guide
CONSUMER
12
CONSUMER
HOW-TO
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CHOOSE A
FURNITURE STORE
Furniture gives your house a personality. It creates an ambiance that sends a message
to guests about who you are. What is your particular and unique style? What do you
value most in furniture? Whether your budget is big or small, choosing new seating,
tables and accessories can make a big difference in your daily life.
OPTIONS
Look for a store that offers something for every budget.
Some budgets or lifestyles demand a low price and realize that the product will be
changed often; for example, a family with a new college student.
Others prefer furniture as an investment -- sofas, dining tables, beds and the like
-- need to be purchased for the long term. Solid construction isn’t always apparent at
first glance. Find out as much information as possible about the frame, materials, and
fabric options. Being able to custom order to fit your décor is always a great highlight
to consider.
A well-trained staff can inform you about their furniture, how they’re built and
why the construction matters. The best stores have employees who act as guides and
teachers, not pushy salespeople.
VALUE, NOT JUST PRICE
The bigger the investment, the more important the design and build quality become.
Concentrate on finding the best value. The most expensive love seat may not be a wise
investment if the frame is not built solidly. It’s best to look for brands with a long track
record and good reputation.
When choosing the right store, don’t be afraid to shop multiple stores. But be
cautious…With many ‘look alike’ products in today’s furniture industry, make sure you
have all numbers and manufacturers involved when comparing prices. A more reputable
store will give you their best price forward. If a store matches a lower priced quote, it
might tell you something about their pricing.
SERVICE, DELIVERY
Every store has a different customer service policy. Choose a store that is well known
for being loyal to its customers.
If shopping at a store for the ‘Best Sale of the Season’, make sure you know what the
% off is actually off of. Keep in mind that what really matters is the bottom line price.
Inquire about return policies. Some furniture stores will allow you to exchange an
item within a certain time limit if it doesn’t meet your expectations. Learn what fees are
involved if you have to return an item -- if that is allowed at all.
As well, ask about the store’s delivery policy, including how much it costs, how far
they’ll deliver and how quickly your furniture will arrive.
If you are comparison shopping, factor the delivery cost when considering different
stores. A low-priced couch will not save you money if it comes with an expensive
delivery fee. It may be worth it to pay a little more for the couch if free or reduced cost
delivery is available.
INTERNET SHOPPING
The internet and social media are great tools to research your next furniture purchase,
but not to purchase. If a store displays product on their site, remember that there are
many look a-like styles in the industry. Two items that look the same may be totally
different qualities. It is not recommended to purchase directly from the site without
testing the product out for comfort or color. The colors may vary depending on your
device settings.
The bottom line is that there are only two things that matter: the value of options
the store gives you, and the level of service you receive. Once you discover them both,
furniture shopping can be a fun experience that that will beautify your home.
HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
13
CONSUMER
HOW-TO
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SHOP FOR NATURAL GAS
Get the latest Gas Costs
Shopping for natural gas is as easy as making a phone call or checking
the internet. Two state agencies publish lists of the latest natural gas
offers from suppliers.
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Remember, even if you buy your natural gas from another supplier, Dominion
East Ohio will still deliver it to your home or business. Want to learn more
about your gas supply options? Call 1-800-843-3719 for a free DVD or VHS.
Consider Your Options
3OUND
3CENT
The natural gas distribution world has changed. And those changes mean
you have a choice about who supplies natural gas to your home or business.
Our customers can choose a supplier through the Energy Choice program,
or they can purchase their natural gas through Dominion East Ohio's Standard Service Offer.
More than 800,000 of our 1.2 million customers currently participate in
Suspect a natural gas leak?
First, move your feet!
Call once you’re well
down the street!
Energy Choice. Customers not yet participating an those who are evaluating
their options can check prices from a number of suppliers and still pick one
that best suits their needs.
A good one-stop source for prices and options is the Public Utilities Commission of Ohio's Apples to Apples price comparison chart. Visit www.puco.
ohio.gov or call the commission toll free at 1-800-299-7271.
Information also is available through the Ohio Consumers' Counsel, www.
pickocc.org, or 1-877-742-5622. Dominion's Standard Service Offer, which
varies from month to month, also is listed on
these sites.
No matter which supplier provides your
natural gas, Dominion East Ohio ;will continue to deliver the fuel to your home or
business.
We also will continue to offer payment
plans such as budget billing and will handle
emergency calls and other customer-service
calls.
The company makes a regulated profit on
the delivery of natural gas. Dominon East
Ohio does not earn any profit al on all the
gas it sells. Instead, it is allowed to recover
the cost of securing natural gas supplies on
a dollar-for-dollar basis.
Outside or in, detecting a natural gas leak is easy. A
leaking pipeline might make a hissing sound you can
HEAR. Or, you might SEE blowing dirt, bubbling water or
an unusual area of dead vegetation. The familiar rottenegg-like odor you associate with natural gas is added to
help you SMELL a leak from a gas line or appliance.
Natural gas is clean, efficient and safe. Remember not to
dig on your property without first calling Ohio Utilities
Protection Service at 1-800-362-2764. And if you ever
suspect a leak walk away, right away. Once clear of the
area, call your natural gas company or 9-1-1.
To learn more about natural gas, including
how to contact your gas company, visit
safegasohio.org
This safety awareness message is brought to you by the natural gas member companies of
the Ohio Gas Association.
HOW-TO
Guide
CONSUMER
14
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
CHOOSE A MARINA
You and your family have decided that you would like to
become boaters! Congratulations! Welcome to a lifestyle
that will be sure to to create incredible memories and
weekends that your family will look forward to, young and
old alike. To help ensure that you have these experiences it
is important that you choose the right boat and a dealer that
will help guide you to the right boat. In addition, you want to
find a dealer that will take care of any and all of your boating
needs before, during and after the sale. That choice has never
been easier and at Spend-A-Day Marina the boating dreams
of your family become reality.
Located at Russells Point on beautiful Indian
Lake, Spend-A-Day Marina, which is open 7 days a week, is
the only Marine Industry Certified Dealer in the area. This
certification ensures that the dealership is held to the highest
customer satisfaction in the industry. The sales staff is well
trained and on-hand to assure you find the right boat for
your family’s needs, always keeping in mind that both quality
and value are part of the buying decision. They carry the
best brands in the industry with the most comprehensive
warranties (Bennington and Tracker/Sun Tracker) and
the highest customer satisfaction ratings. Accessibility and
ease of service for maintenance questions is very important
at Spend A Day. That is why they go above and beyond by
having some of the best factory trained technicians on staff.
Servicing both inboard/outboard and outboard engines,
covering Mercruiser Sterndrives, Yamaha Outboards, Suzuki
Outboards, Honda Outboards, and Yamaha Jet Engines.
They also have an on-water service facility that is also open 7
days a week.
Making the boating lifestyle fun, enjoyable and easy is the
mission at Spend A Day. They want to make sure you have
a place you can call your boating home (or home base for
trailer boaters). Sales Representative Monica Reed-Hurst
says it best, “At Spend A Day we make sure that the boating
lifestyle is not something we just talk about, it is something
we live. With customer appreciation events, a customer
loyalty card, a referral program and a special invitation to
boat show preview events, at Spend-A-Day Marina we make
the boating lifestyle part of our everyday routine and make it
easy for you to enjoy your boat everyday... (at least as long as
we can in Ohio!)”
For all your boating needs Choose Spend-A-Day Marina!
spendaday.com
9481 St. Rt. 708 N, Russells Point, Ohio 43348
(937) 843-3036
OPEN 7 DAYS A WEEK
FOR ALL YOUR BOATING NEEDS!
**Boat Rentals**
U Drive It!
indianlakemarine.com
457 East Main Street Russells Point, Ohio 43348
CALL TODAY OR STOP IN! ...Next to
(937) 842-6060
McDonald’s
HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
15
CONSUMER
HOW-TO
CHOOSE A
FUNERAL HOME
Looking for a funeral home isn’t a pleasant journey.
Making funeral arrangements can be hard. Dealing with the death of a loved one is
a challenge.
That’s why it is better to think ahead so you can have a clear mind while making
these difficult decisions.
Most people don’t have much experience with planning funerals. When the time
comes to visit a funeral home, they find prices vary dramatically. Indeed, funerals can
be costly.
Planning before your time of grief will help you make wise decisions under difficult
circumstances.
Here are some things to consider when you must select a funeral home.
The first step is to find out if the deceased has made any funeral arrangements and
whether these plans need to be changed. Sometimes weather may be an issue or other
factors may get in the way of what has already been planned.
If no arrangements were made, ask family and friends to see if the deceased made
any specific wishes. If possible, respect those wishes.
If pre-arrangements with a local company exist, then contact that company.
Arrangements bought years ago may not cover the cost of the funeral or represent the
latest wishes of the deceased. If you are in this situation, look around to see if another
funeral home has a better arrangement, or make adjustments as necessary.
To find the right funeral home, ask family, friends and pastors for a recommendation.
It is a good way to focus on funeral homes with excellent reputations. You might also
consider your own experiences at funeral homes in your city.
If you cannot get referrals, look on the Internet. Select three or four funeral homes
that might fit your needs. Visit each one with a close friend or relative.
Budget is a major concern for most people. Inquire about basic fees. Ask about
services the funeral home may offer and if payment arrangements can be made. Ask
questions and take notes. Staff members should be patient with you.
It is important to get written estimates for everything. Ask about hours for viewing,
in-house versus off-site services, cremation services, additional fees and special requests.
The Federal Trade Commission mandates that funeral homes must provide
customers with a price list. If you believe the casket prices are too high at one funeral
home, you can purchase the casket elsewhere without being subjected to additional
charges.
Do not decide on a funeral home right away. Think about it for a bit. The decision
should be made with clarity.
After deciding on a funeral home and type of service, documentation is the next step.
The funeral director can help you with the required forms and permits. You should have
a copy of the death certificates and make the actual burial or cremation arrangements.
When other relatives or friends are involved, it is best to find a funeral home that fits
your family’s needs. Talk with them honestly and compare notes. Don’t allow yourself
to be pressured into additional services you don’t need or can’t afford. Stay within your
budget.
Talk to the funeral home and tell them who in the deceased’s family is authorized
to make decisions. Be very detailed about your expectations and what kind of
arrangements you want. Tell them if something is not being done according to your
intentions.
Good funeral homes will guide you through the process to ensure that the funeral
runs smoothly for everyone. In your time of grief and hardship, preplanning can give
you a small measure of comfort and peace.
MILLER
FUNERAL HOMES
& CREMATION SERVICE
"When only the best will do"
Daniel Griffin
Brent Miller
Kent Miller
Licensed Funeral Directors Providing Complete Death-Care Services:
• Traditional Burials • Cremation Services • Prearrangement Plans • Medicaid
• Eligible Trusts • Final Disposition for Family Pets • Monument & Cemetery Markers
"Contact us for cost-effective advance funeral planning"
MILLER-LONG & FOLK
FUNERAL HOME
314 W. High St. • St. Marys
419-394-2301
VORNHOLT-MILLER
FUNERAL HOME
200 W. Spring St. • New Knoxville
419-753-2224
MILLER
FUNERAL HOME
1605 Ohio 703 W. • St. Marys
419-394-4632
HOW-TO
Guide
CONSUMER
16
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
CHOOSE A UNIVERSITY
The college or university you choose can help you achieve your goals or leave you lying
in the dust with a huge tuition bill.
Choosing the right college or university can feel overwhelming. After all, your decision
will have long-term ramifications. Selecting a strong college with an excellent reputation will give you a firm foundation to
pursue your dream life. Careful planning and thought will help you feel confident that you
are making the right choices for your life. Large or Small School?
Ask yourself if you learn better in an intimate setting or a large classroom. Some schools
have a small student-to-teacher ratio while others have auditoriums filled with students
listening to a lecture. As you begin your research, be sure to look for information on class
sizes and student population. Areas of Specialty
The reputation of a university or college is very important. It can open or close doors
in your career. Most colleges are renowned for a handful of majors. Does the learning
institution specialize in your area of interest? Attending a prestigious university or college
will give you opportunities and resources. The possibility of employment after graduation
also dramatically improves when your school has good name recognition. Minors
Once you have decided upon a major, think about your other areas of interest. Many
colleges offer students the choice of adding a double major or minor to their plan of study.
Even if you are going to pursue only one major, you will likely need to have elective courses
in your schedule. These classes allow you to study something that will be beneficial and meaningful. They
can also add a dimension to your work and perhaps even give you another hobby. You might
even enjoy your electives so much that you decide to switch majors. Before applying to a
college, view a list of possible electives.
Alumni Connections
Don’t forget to think of alumni connections in your family or circle of friends. A letter of
recommendation or contact with others in your prospective field of study can advance your
career. Colleges look kindly upon people with alumni connections. These professionals could
also give you insight into avoiding pitfalls and how to best use your degree after graduation.
Social Activities
Extracurricular activities and social events are another element to consider when
choosing a college. Connections you make outside of the classroom are very important. Some
universities are famous for their sororities and fraternities. Others colleges have excellent
sports programs. Any school activities can help you network and make new friends. Students
even develop lifelong friendships this way. The culture of your prospective university should
be a strong factor in your decision. Online Classes
When you have outside commitments or you prefer to learn at home, consider
taking online courses. Internet classes can save you money, especially when it comes to
transportation. Online courses may allow you to work at a faster pace than traditional university classes.
Working at your own speed can assist you in graduating quickly or tend to your active life. If you are thinking about choosing an online school, be sure to check their academic
credentials and reputation. Also pick an institution in good standing. Choosing an institution for higher education can seem like a difficult, daunting decision.
But once you understand your academic and lifestyle needs, you can find a school that is
perfect for you. HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
17
CONSUMER
HOW-TO
CHOOSE A HOME HEALTH
& HOSPICE PROVIDER
Whether it’s for you or your loved one, you need all the information available to
make an informed decision. Not all home health and hospice agencies are the same.
The Center for Medicare and Medicaid Services (CMS) has developed a checklist of
questions to help you select your home health care provider.
Medicare and Medicaid Certification
All Community Health Professionals offices are Medicare and Medicaid certified,
and our services are covered by many private insurance plans. CHP is accredited by
the Community Health Accreditation Partner (CHAP), which demonstrates our
commitment to patient care and maintaining high-quality clinical standards.
Range of Services Offered
CHP provides a complete range of services, including skilled nursing, hospice,
physical, occupational and speech therapy, and medical social work. Programs for
advanced chronic care management, including heart disease, diabetes, COPD,
wound care, infusion therapy, oncology, chronic kidney disease, psychiatric services
and more are also available.
CHP Hospice provides both in-home and inpatient care, to support patients
and families facing the end of life. CHP nurses are cross-trained for home care and
hospice care and available 24 hours a day by simply making a phone call.
Personal Care Services
CHP home health aides provide non-medical assistance with bathing, dressing
and using the bathroom to help with the activities of daily life for the elderly and
disabled.
Support Services
Physical limitations aren’t your only concern when recovering from or managing
an illness. CHP medical social workers help you connect with community-based
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support services for the social and emotional needs that may accompany your
condition.
Quality of Care Providers
CHP clinicians provide care for a wide range of home health care needs and have
established programs for advanced chronic care management. The care provided
and the frequency of your home care visits are based on your doctor’s orders and
CHP staff are equipped with technology to help ensure your plan of care is followed.
Many CHP nurses have advanced certifications.
Agency Reputation
With over 40 years of experience, CHP home health and hospice care has made
an extraordinary difference in the lives of patients and families in our communities.
Over the years families have sent cards and letters, both as a way to thank our staff for
the care they received and as testimonials of the care that is available locally.
You Have the Right to Choose
Every patient has the right to choose their home health or hospice care provider.
Medicare offers Home Health Compare, an online tool at medicare.gov to help
you evaluate home health agencies, which includes detailed information on every
Medicare-certified home health agency in America. Additionally, your health care
provider may provide a list of recommended agencies.
Community Health Professionals (CHP) is a nonprofit organization that, since
1975, has delivered home health and hospice services throughout Northwest and
West Central Ohio.
In Auglaize, Logan and Shelby counties call the Wapak office at 419-7387430;
in Mercer County call the Celina office at 419-586-1999 or go online to www.
ComHealthPro.org.
CHP Home Health & Hospice
Loving Care Tailored to Your Needs
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Nonprofit - Local & Available 24/7
Serving Auglaize, Shelby, Logan
& Surrounding Areas
Celina
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#SFXöFME8BQBLt
www.ComHealthPro.org
HOW-TO
Guide
CONSUMER
18
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
CHOOSE A JEWELER
What started as a hobby in 1969 has grown into one of Ohio’s
largest and definitely most unique full service jewelry store.
Allison’s Custom Jewelry was started by Jon and Libby Allison in
their garage in Sidney, Ohio. Six years later, the garage became too
small and they moved to their resent country location at 104 East
Mason Road just outside of Sidney. The building that now houses
Allison’s Custom Jewelry is a 105-year-old rebuilt barn with an
addition that is referred to as the “Diamond Mine”. The walls of
the “Diamond Min” are sparkling quartz representing diamonds. A
stream runs through the mine depicting one of the ways diamonds
are mined.
Allison’s Custom Jewelry specialize in quality GIA trained
certified diamonds , colored gem stones, 18 karat, 10 karat gold,
platinum, and sterling silver jewelry. Four GIA trained employees
are on staff full time to either help select the diamond of your
choice or assure customers the very best in appraising services.
Duane “Red” Allison, General Manager specializes in gem cutting,
polishing, and gem setting. Dean Allison, Design Manager
specializes in custom design, casting and gem setting. Both G.I.A.
trained. If you have a question about diamonds and gems they will
have the answer.
There is always something going on at Allison’s Custom Jewelry.
With their Fall Open House wrapped up, the kick off of the busy
holiday season has begun. Closer to Christmas, Allison’s holds a
Ladies Day which is a special discount day for women only. A week
later, the men have their turn with Men’s Day and special discounts
for men only. Allison’s also offers a 15% off each birthstone of the
month and gives a 15% discount to brides and grooms for bridal
party gifts. Check out the Sweetest Day Special! October 12th
through Oct. 17th you will get 20% off store wide in stock jewelry
and gifts. Just another reason to stop by and check them out. Ask
one of their friendly staff or visit the website often for details on
these and other special events throughout the year.
A visit to Allison’s is truly a unique experience. Jon and Libby are
very proud of their home-grown business that began as a hobby, but
what they are most proud of is that it’s a family business. Their sons
Red and Dean and daughter Dana along with Red’s wife Cheri are
all involved. They invite you to visit their beautiful showroom and
meet their family. Allison’s is THE perfect choice when choosing
a jewelry store.
HOW-TO
Guide
CONSUMER
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
19
CONSUMER
HOW-TO
CHOOSE A GOLF CART
Golf carts save time on the golf course, allow disabled golfers to still enjoy their
favorite sport, and help keep games moving during the busy golf season. Additionally,
many people use golf carts as modes of transportation or utility vehicles off the
course. Buyers in the market for a golf cart should learn about different types of golf
carts, such as gas versus electric carts, and their features, such as safety functions.
Buyers should also know what to look for when purchasing a new or used golf cart,
including any local laws governing their use.
Golf Cart Overview
Golf carts were created to transport golfers and their clubs from hole to hole.
Today, most golf carts are still used for this purpose, but many people use golf carts
for other reasons. People use golf carts for short-range transportation, gardening,
security, event venues, and farming just to name a few. Some police forces even
use golf carts to travel short distances. There are two primary types of golf carts:
electric and gas powered. Electric golf carts are popular on golf courses, but there
are still many gas powered carts used on the green as well. Gas powered carts are
more prevalently used for transportation or other non-golf related activity. Just like
cars, carts can be purchased new or used depending on a buyer’s needs and budget.
Gas Versus Electric Golf Carts
One of the first major decisions when selecting a golf cart is deciding between
gas or electric powered carts. Both types of carts have advantages and disadvantages.
Generally, electric carts are less expensive to purchase than gas. The operating costs
of electric carts are lower as well. Prices for both carts will vary based many factors,
such as makes, models, and features. The following chart describes each type of golf
cart and the advantages and disadvantages of each.
New Versus Used Golf Carts
Like purchasing a car, buyers have the option to buy new or used golf carts. A
new cart often comes with a warranty and ensures buyers that all parts are unused
and in good working condition. Used carts have much cheaper purchase prices but
always run the risk of containing faulty or worn parts. Prices for new golf carts start
at around $5,000. After five years of consistent use, that same golf cart could be sold
for as little as $2,500. The table below compares various features of new and used
golf carts.
Inspect the Golf Cart
Buyers should physically inspect all aspects of the cart. Make sure the tires are
not worn and still possess deep treads. Shake the canopy and make sure it feels
supported and stable. Do a visual inspection of the body. Check to make sure there
are no major dents, rust, or other visible flaws or damages. It is normal for a used cart
to have some scratches and dings but nothing that should compromise the integrity
of the structure.
Take the golf cart for a test drive to ensure quality performance. A quality test
drive should last around thirty minutes. While driving, be sure to test the brakes,
especially if the cart will be driven in areas where people will be walking like busy
sidewalks. Make sure the brakes are responsive, and see how they react when forced
to stop short. Feel how the cart handles and steers. Take the cart on hills and other
road conditions that it will encounter regularly. For electric carts, keep an eye on the
battery life to see how it lasts during the test drive.
HOW-TO
Guide
CONSUMER
20
The Evening Leader &
Wapakoneta Daily News
WEDNESDAY, OCTOBER 14, 2015
CONSUMER
HOW-TO
CHOOSE A
TELECOMMUNICATIONS
COMPANY
Telephone
At TSC, we provide state-of-the-art choices to fill all of your
telecommunications needs with the local, hometown touch and personal
customer care you have come to expect. Established in 1895 as a
telephone service provider, TSC continues to focus on providing
customers with dependable dial tone, as well as calling features and services
to accommodate both residential and business needs. With the high demand
for new technologies, we strive to exceed customer expectations by providing
exceptional quality, the newest products and services on the market and valued
communications services.
At TSC, we realize our customer’s needs are diverse and “one size” no longer
fits all. Our communication plans have been specially tailored to meet YOUR
individual needs. We can provide All~In~One service, Telephone, Television
and Internet, on one simple, easy-to-read bill, with the convenience of online bill
payment or payment through ACH. Our customer service staff is friendly and
knowledgeable and we are available to help you twenty-four hours a day, seven
days a week.
TSC now has Unlimited Long Distance. For one low monthly rate, you can
call anywhere in the U.S., Puerto Rico, Guam, the U.S. Virgin Islands, American
Samoa and Canada and talk as long as you want! There are no hidden monthly fees
and sign up is simple and free.
Don’t forget that TSC can make you Feature Rich. With Telephone and another
qualifying service, customers will receive 10 of our most popular calling features,
including Caller ID Name & Number, Caller ID/Call Waiting, Call Forwarding,
Last Call Return, Speed-Calling, 3-Way Calling, Repeat Dialing, Call Waiting,
Personal Ring and Voicemail, FREE! This is a savings of $28.45 per month.
$10
Cool Red Sunglasses - $15
Popcorn and a Soda -
Streaming ‘Old Yeller’ on TSC’s
new Lightning Fast Internet
-
PRICELESS!
Television
TSC is your local source for Cable Television in the Wapakoneta,
Cridersville, St. Marys and Lima areas, providing a wide variety of
high-tech choices for your home entertainment.
Our basic cable service offers loads of channels of drama, action, sports, and
news. TSC services its customers with FTT H (Fiber-to-the Home) providing the
clearest audio and video available today.
Choosing TSC’s digital cable service allows you to receive dozens of additional
channels and digital music with CD quality sound. Our digital service comes
with many valuable advantages including a brand new STB (Set Top Box) with
the benefit of an on-screen guide previewing dates, times and descriptions of
your favorite shows, as well as parental control so you know what your children
are watching. With digital cable service, you also receive TSC’s FREE HD lineup
that includes popular channels like HGTV, ESPN and ESPN2 and National
Geographic in high definition.
If you are a movie buff, try TSC’s premium suites featuring HBO, Cinemax,
Starz/Encore, the Movie Channel and Showtime, at the best prices in town! TSC
has expanded Pay-Per-View choices awaiting you as well.
Never miss TV again with TSC’s DVR service. Record one or
more of your favorite shows with no tapes or hassle. Use your rewind
button to create your own “instant replay.” Fast forward through the commercials
to the good part. Pause live TV to take a phone call or refill the snack bowl and play
it again when YOU are ready!
Internet
TSC’s High-Speed Internet service, BrightLightning, is second to none! With the increased demand for faster speeds and networking, TSC has unlimited
opportunities for information-on-demand with just a click of your mouse. Get
always-on service, up to 5 email addresses, 24/7 customer service and technical
support, email filtering and brightsite, your own personal web portal.
For even faster downloads and the high-speed forum needed for multi-player
games, try TSC’s Greased Lightning, 100Mb service.
telserco.com
2 Willipie St.
Wapakoneta, OH
155 E. High St.
St. Marys, OH
419-739-2200
419-300-2300