2 HOW TO CHOOSE... FRIDAY, AUGUST 4, 2006 How To Choose... A Home-Theater System
out the rest of the triangle by creating two imaginary lines, each coming from one of the speakers, which will eventually converge to form your triangle. Somewhere in this triangle should be your viewing area. After you've determined where to put your couch or easy chair, place the rear speakers directly behind and equidistant from your seating. It's also best to put these speakers at ear level. These speakers can also be wall mounted or ceiling mounted, but only if that is their suggested and intended use. You'll likely have a center channel speaker that's best placed directly above your TV screen. If you have a wall-mounted TV, try and keep the screen at the eye level of your viewers when seated. After you've placed everything, it's also important to consider the type of furniture you'll have in your new home theater. Fabric drapes and soft furniture are best, as they will absorb sound and not cause any distortion. Avoid glass or marble furnishings if possible, as they reflect sound and might negate the theater atmosphere you've worked so hard to create. It is possible to get a master control center where you can control everything from your television, stereo system, volume and even your home theater's lighting. If you want something such as this, it will add considerably to your home-theater budget. Master control home-theater systems typically can cost several thousand dollars, not to mention these usually require a Making Sense of SOUND Deciphering between the different types of surround sound for your home-theater system can be akin to trying to read a language you don't speak. Here's a quick guide to the differences between the two most common systems: · 5.1-Channel Movie Formats: This is the most common, as it is the standard format for audio delivery in the DVD format. The Low Frequency Effects (LEF) channel works especially well for movie special effects, enhancing their impact in a fashion similar to an actual theater experience. · 6.1-Channel Extended Surround: Building on the 5.1, 6.1 provides greater continuity in the rearward soundfield, enhancing your surround sound by making it more seamless and enveloping. professional to install. Such installations can cost up to $1,000 or more depending on the number of speakers you have. Also, prices will go up should you need help mounting your television. Should you choose to go the master control route, you'll want to place this behind your seating area, as it will only be a distraction if it is anywhere near your TV screen. The last thing you'll want to do is conceal your cables. This can be a more difficult process than you might think, as the more appliances you have as part of your home theater, the more cables you'll have as well. Leaving these cables exposed opens up the possibility for disaster, as people might trip over them or pets might chew on them. These can be concealed in a number of ways, be it in the wall, in the ceiling or beneath moldings. Split-loom tubing is also an option. With split-loom tubing, you can route all your cables into one tube. This is also beneficial if you think you'll be adding any cables, as you can just slide any additional cables in without having to undo the existing bundle. Hints for Your Home-Theater System
Walk into any of the major electronics/appliances chains these days and, chances are, your desire to begin building your own home-theater system will skyrocket. Advancements with respect to televisions, surround sound, and just about all things entertainment make having your own private, personal movie theater a winning idea. But with electronics prices that can make this project a costly venture, you'll want to know exactly what you'll need and want before starting out. The first thing you'll want to do is decide on your centerpiece, otherwise known as your television. There are many televisions from which to choose, but keep your home-theater room size in mind before picking out your television - you don't want one that will overconsume the space. Thanks to advancements, though, many televisions are now of the wall- mounted variety, meaning you can essentially get any television you want (regardless of screen size) so long as it fits into your budget and onto your wall. After you've chosen where to put your television, it's time to start building the room around your sweet spot, the spot in your home theater where you can hear each speaker exactly the same. This spot is essentially the whole point of having a home-theater system, so create it wisely. The best way to do that is to follow the triangle method. Place each of your television's front-channel speakers on either side of your TV (angle them in slightly), with each equidistant and between 8 and 12 feet from your TV. Use the parallel distance between these two speakers to form the base of a triangle. You can then fill FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 3 Walker Stereo & TV
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for risk and time horizon. Dealing with an inheritance If you inherited a substantial sum of money, what would you do with it? Would you know the best way to invest it to help you meet your objectives? Would you know how to avoid taking a big tax hit? An investment professional, along with your tax adviser, can help you with these issues. Planning for retirement You've probably a l r e a d y thought a bit about your retirement, but have you really envisioned what it might look like? Will you spend your time traveling and pursuing hobbies, or will you do some part-time work or consulting? An investment professional can help you put a price tag on your goals and suggest investment strategies for achieving them. By showing you how much you need to save, and what type of return you need to earn, your investment professional can help guide you along a wellplanned path toward retirement security. Transferring 401(k) money When you leave your job, you'll have to decide what to do with your 401(k). You could just take the cash, but you'd have to pay income taxes, along with a possible 10 percent penalty. You could leave the money in your employer's plan, if allowed. Or you could roll over your 401(k) to an IRA or your new employer's plan. An investment professional can help you decide which move will be in your best interests. For all these reasons, and many others, you'll want to work with a qualified investment professional. But don't just pick the first name you see. Ask your friends and relatives whom they use. You m a y want to interview several people until you find one with whom you'd be comfortable working. Look for someone who has experience working with people like you. Once you've found a good match, don't hesitate to get down to work. The sooner you start getting professional assistance, the faster the progress you'll make toward your financial goals. Retiring? Watch Out For Investment $cams If you're planning to retire soon, you have a lot to anticipate: more time with your family, the chance to travel, the freedom to pursue your hobbies, and so on. Unfortunately, retirees are also the number one target for investment con artists. Unscrupulous people do engage in abusive practices, and they seek out the elderly. However, you are far from defenseless against this kind of behavior. You can avoid being "scammed" by following these suggestions: · Ask for credentials, background and references. · Don't be overly cooperative at first encounter. · Never say yes to "you must act now" offers. · Always stay in charge of your money. · Take action immediately if you have trouble retrieving principal. By taking these steps, you can help avoid being victimized by con artists. Stay vigilant, seek out honest advice, and enjoy your retirement! Good Reasons To See An Investment Professional
During the long bull market of the 1990s, it wasn't all that hard to be a successful investor. But when the dot-corn bubble burst and technology stocks went into an extended slump, it suddenly became a lot harder to navigate the investment world alone. In fact, if you're going to make the right decisions in all types of markets, you'll need the help of an investment professional but that's not the only reason to work with one. Actually, professional investment help is a plus for many reasons. Here are a few of the most common ones, courtesy of the Forum for Investor Advice: Maintaining proper portfolio diversification Over the years, you may have bought some stocks here, some bonds there and some money market accounts somewhere else. But have you ever analyzed your portfolio to make sure it was properly diversified? An investment professional can help you keep your assets allocated in a way that is appropriate for your individual goals, tolerance FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 5 How Many People Do You See For All Your Financial Needs?
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Member SIPC *The rate on the money market fund will fluctuate and may be subject to state and local taxes and, depending on your tax status, the alternative minimum tax. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. You should consider the investment objective, risks, and charges and expenses carefully before investing. The prospectus contains this and other information. Your Edward Jones investment representative can provide a prospectus, or visit our website at: www.edwardjones.com, which should be read carefully before investing. **0ur Line of Credit is a margin account. Borrowing against securities has its risks and is not appropriate for everyone. If the value of your collateral declines, you may be required to deposit cash or additional securities, or the securities in your account may be sold to meet the margin call. Call Investment Representative Angie Brachbill 6 HOW TO CHOOSE... FRIDAY, AUGUST 4, 2006 How To Choose... A Modular Home
Tips For Buying A Modular Home
How do I tell the difference between a true modular home and a manufactured home? Any modular home built for placement in the state of Illinois should have a Yellow sticker in the electrical panel box shaped like the state of Illinois. What is the difference between a modular and a manufactured home? A modular home is built to codes that meet or exceed the States requirements and a manufactured home is built to H.U.D. standards which are federally enforced. A manufactured home is required to have the steel frame left under it! Which codes are more stringent, the States or the department of housing and urban development? In almost all instances the State of Illinois has much more stringent requirements. What are some things to look for when purchasing a modular home? Construction first and foremost. Don't be afraid to ask the builder a lot of questions. If they do not know the answer insist that they call the factory and find out. What other sort of questions should I ask? · Ask what the floor decking is made of and how it is fastened to the joists. · Ask if there are headers above all the doors and windows and how they are constructed. · Ask the size of all interior and exterior studs and if they are solid wood or laminated pieces. Are they 16 inches on center? · Ask what the rafters or trusses are constructed of and what snow load they are designed to meet. · Ask what the floor joists are constructed of and the spacing between them. · Ask the insulation values of the walls and ceiling and also what type of insulation is used? · Ask what gauge of wiring is used for the different circuits and whether the outlet and switch boxes are nailed in place or just fastened to the drywall. · Ask what the plumbing is made of and if there are water shutoffs at the fixtures. · What type and brand of faucets are used and do they have a warranty? · What is the pitch of the roof? · What type of roof decking is used? · How are the shingles and siding fastened on is it stapled or nailed? · What type of warranty is on the shingles and siding? · What are the doors and trim constructed of? · What is the thickness of the drywall and how is it fastened? · Is there a warranty covering cracking of the drywall? · What type of windows and exterior doors are used and do I have options? · What type of cabinets are they and do I have choices? · Can I design my own plan or make changes to an existing one at no charge? · Are the walls and ceilings painted or will I have to do that when you are finished with construction? · Will I have any trouble getting financing with my local bank or do you have alterative sources? · Will my home be equipped for gas or electric appliances? · Does the price quoted include sales tax? · Does the price quoted include heating and air conditioning? · What about delivery to the site and set up charges will I have to pay extra? · Does the price quoted include a foundation or basement? · Can I get a garage or porch? · What about a well or septic tank? · Are the floor coverings included? · Who is responsible for getting permits from the city or county? · Are you going to hook up my electricity, water, gas and sewer lines or does it cost extra? · What about a driveway and sidewalks? · Do I get appliances or are they available for an extra charge? · Can you give me the names of some past customers you have built homes for so I can talk to them? · What kind of payment schedule do you expect, do I have to pay for the home before it is built on my property? · Is the price guaranteed not to change once I contract you to build my new home? These are all examples of very important questions to ask your builder before you commit to a lifetime investment. Be prepared and do some research into different companies and their construction practices along with how well they take care of their customers after the sale. Above all else, don't be afraid to ask. The only stupid question is an unasked question! FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 7 Specializing in Custom Homes & Turn-key Packages
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email: chuckb1@consolidated.net CHANDLER 8 HOW TO CHOOSE... FRIDAY, AUGUST 4, 2006 How To Choose... A Mattress
The Right Mattress Promotes A Good Night's Sleep
Do you wake up exhausted, achy and just plain unrested, no matter how many hours of sleep you get? Is your mattress more than nine year's old? Does your mattress sag noticeably in the middle? Then you are in the market for a new mattress! A good mattress is worth the money. Not only will you get a better night's sleep, but you will have a healthier and happier physical and mental well-being. First, find a store that specifically sells sleep products. A furniture or department store may sell beds, but the salespeople may not be able to answer all your specific questions about mattresses. Also, solicit friends or colleagues for recommendations. Plan to shop for a mattress when you aren't on a time crunch. You want to be able to try out a few different kinds and not make a rash decision. Also dress for the occasion: Wear loose fitting, pajama-like clothing so you can simulate your sleeping conditions. Go to the store armed with this checklist: What do I need it for? Decide what you need the mattress for. If the mattress is for a guest room, you can be more lax in your choice. If you share a bed, you have to reach a compromise with your partner on what you want. What size do I want? Most people are happier and more comfortable in a bigger bed. It will give you more room to sleep freely and easily. But, sometimes, the bedroom can only fit a twinsize bed, whether you want one or not. So think about what size bed (twin, twin long, full/double, queen or king) will fit in your sleeping area. Do I like how it feels? The best way to test a mattress in a store is to kick off your shoes and lie down on it. Spend 10 to 15 minutes on each mattress to get a good feel for it. It should be firm enough so your back doesn't sag, but not hard as a board. It should conform to the shape of your body in any sort of sleep position (stomach, back, or side), especially the one that you prefer most. It should offer support to parts of the body that need it -- like your back. Is it a good-quality mattress? Cheaper models are thinner, poorly made and less firm. But higher prices don't always mean a better product. It's wise to stick with a name brand to ensure that you are getting a quality mattress. What about the coils? The higher the coil count, the more support you will get. A mattress with 300 coils will give you less support than one with 700. But that doesn't mean the one with 300 coils is a poor-quality mattress -- it's just not as firm. Also check the gauge of the coils. The gauge is the number of coils that it would take to make an inch. The heavier the gauge, the more support. Again, a low or high gauge count isn't indicative of the mattresses quality, but its support level. What is it made of? The "ingredients" of a mattress determine how comfortable it is. But the choice is up to you. A thin upholstery will make you feel like you are sleeping on a board. A "pillow top" can give the sensation of sleeping on feathers, and a "regular top," something in between. No one is better than another, so choose what feels most comfortable to you. Is it new? Never purchase a used mattress. Mattresses conform to their users. Plus, a used mattresses could also be full of germs, bugs or dust. Also avoid a rebuilt or reconditioned mattress, which is where a new cover is put over an old one. Once a mattress is used, it's still used, regardless of how it is refurbished. What does the warranty cover, and what is the return policy? Even if you test out a bed in a store, it's not the same as sleeping on it in your home. Make sure the return policy allows ample time for you to test out the bed. The warranty usually protects you against defects or workmanship mistakes, not loss of comfort or support. But, by that time, you'll be in need of a new bed! When buying a mattress, always replace your box spring at the same time. The two are a set: The box spring is positioned to support the mattress, so no two brands or styles are exactly alike. Even if you think your box spring is in good shape, it has had the same amount of wear and tear as the mattress you are replacing had. Here's to a good night's sleep! FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 9 LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! LIMITED TIME ONLY! 10 HOW TO CHOOSE... FRIDAY, AUGUST 4, 2006 How To Choose...
typical floating installation, only the joints are glued or attached to each other, leaving the body of the floor unatt a c h e d . However, some varieties do not require glue at all. Generally, a gap around the perimeter is left to allow for expansion and contraction of the boards which enables floor movement. This gap is covered with a decorative molding. Typically, these floors can be installed over several different subfloors in various rooms of the home, making them particularly attractive to DIYs. Plywood, concrete slab, sheet vinyl flooring, hardwood flooring or just about any other flat hard surface is suitable. Carpeting, however, will need to be removed in order to install laminate. Some varieties are unsuitable for bathrooms or other areas with excess moisture. Check the product carefully to see its room applications. EASY INSTALLATION Installation can be handled by one person, but moves much more smoothly with an extra set of hands. Depending upon the size of the room, you may even be able to complete it in a weekend. (Consult the product manufacturer's directions for exact installation requirements for your particular floor brand.) A Construction Supplier
paper, but dread the thought of removing the old? If you've ever tried stripping wallpaper using a homemade vinegar-and-water solution - or a heavy commercial steamer you know what a tedious, unpleasant and time-consuming task it can be. But wallpaper removal doesn't have to be a chore if you use the right tools and learn a few tricks from the professionals. Here's some advice from the experts at ZINSSER that can make removing old wallpaper quicker and easier than you ever dreamed possible - even if you've never stripped wallpaper before: · Step #1: Score the wallpaper. Most wallpaper has a washable, waterproof surface. If the top layer won't easily peel away, it's necessary to score the wallpaper first to ensure that the wallpaper stripper is able to reach and loosen the glue undern e a t h . PaperTiger®, a palm-held tool with small cutting wheels that perforate the wallpaper withdamaging the wall, is designed specifically for safe, fast and easy scoring. · Step #2: Apply a wallpaper stripper like DIF® Wallpaper Stripper. Available in a liquid concentrate, gel or fast-acting liquid, it is safe, nontoxic and easy to use. Apply the stripper one wall at a time, starting at the top and working your way down. It's formulated to penetrate and break down wallpaper paste quickly. In 20 minutes or less, the wallpaper will be ready for removal. · Step #3: Scrape off the loose wallpaper. ZINSSER's Paper ScraperTM helps get the wallpaper off without hard work or surface damage. If any glue remains, simply reapply the stripper to the area, wait 15 to 20 minutes, remove it with Paper Scraper or a sponge and rinse with clean water. It's that simple. out Learn The Benefits Of Floating Floors
Laminate flooring manufacturers have recognized the void of a costeffective product that offers ease of installation and minimal tools and know-how. Enter the popular floating laminate wood floor. FLOOR CONSTRUCTION Laminate flooring consists of several components that are bonded together to create the finished product. It includes a core, usually constructed of high density fiberboard (HDF), and a composite wood product backed with a sturdy plank that is generally coated in resin. The resin resists moisture and helps protect the product from warping and rotting. The top layers of the floor include a wear-resistant decorative surface, usually an authentic woodgrain pattern, and a tongue and groove design for interlocking the pieces of flooring. WHY FLOATING? The terms "floating" or "float-in" mean that the laminate floor is not attached to the floor underneath. In a Three Easy Steps For Removing Old Wallpaper
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Alzheimer's Disease Fact Sheet
Definition: Alzheimer's disease (pronounced Aiz'-hi-merz) is a progressive, degenerative disease that attacks the brain and results in impaired memory, thinking and behavior. Alzheimer's disease (AD) is the most common form of dementia. Dementia is a loss of intellectual function (thinking, remembering and reasoning) so severe that it interferes with an individual's daily functioning and eventually results in death. AD is the fourth leading cause of death in adults, after heart disease, cancer and stroke. Men and women are affected almost equally. The disease was first described by Dr. Alois Alzheimer in 1906. Since then, researchers have developed a deeper understanding of the changes in the brain (plaques and tangles) and behavioral changes that characterize the disease. Identified risk factors are age and family history. Most people diagnosed with AD are older than age 65; however, AD can occur in people in their 40s and 50s. Symptoms: Symptoms of AD can include gradual memory loss, decline in the ability to perform routine tasks, disorientation, difficulty in learning, loss of language skills, impairment of judgment and planning and personality changes. The rate of progression varies from person to person The time from the onset of symptoms until death averages at 8 years, but can range from 3 to 20 years. Eventually, persons with AD become totally incapable of caring for themselves. Diagnosis: Early and careful evaluation is important because many conditions, including some that are treatable or reversible, can cause dementia Potentially reversible conditions include depression, adverse drug reactions, metabolic changes and nutritional deficiencies. There is no single clinical test to identify AD. A comprehensive evaluation to establish diagnosis will, include a complete health history, physical examination, neurological and mental status assessments and other tests including analysis of blood and urine, electrocardiogram (EKG) and chest x-rays. Documenting symptoms and behavior over time, in a diary fashion, will help physicians understand the person's illness. The physician may order additional tests as needed including: computerized tomography (CT Scan), magnetic resonance imaging (MRI), formal psychiatric assessment, and/or neuropsychological testing. While this evaluation may provide a diagnosis of possible or probable AD, confirmation of AD requires examination of brain tissue, which is usually done by an autopsy. Treatment: Although no cure for AD is presently available, good planning and medical and social management can ease the burdens on the patient and family. Health care directives and decisions can be made while the patient has the mental capacity to do so. Alzheimer's Disease Ten Warning Signs Of Physical exercise and social activity are important, as is proper nutrition. A calm and well-structured environment may help the afflicted person to continue functioning. Intervention strategies and if necessary, iippropriate medication can lessen symptoms such as agitation and anxiety, and improve sleep and participation in activities. There are also to date two FDAapproved drug treatments specifically for AD - tacrine and donepezil hydrochloride. Causes & Research: The causes of AD are not known and are currently receiving intensive scientific investigation. Suspected causes include a disease gene or a genetic predisposition, abnormal protein build-up in the brain and environmental toxins. Scientists are applying the newest knowledge and research techniques in molecular genetics, pathology, immunology, toxicology, neurology, psychiatry, pharmacology, biochemistry and epidemiology to find the causes, treatments and cures for AD. Economic Impact: At some point, a person with AD will require 24-hour care, including assistance with daily activities such as eating, grooming and toileting. The national cost of care for AD including costs of diagnosis, treatment, nursing home care and formal and informal care at home - is estimated to be at least $100 billion each year. Most of the costs of care are borne by patients and their families. The Alzheimer's Association is the only national voluntary health organization dedicated to research for the causes, treatments, cures and preventions of Alzheimer's disease and to providing education and support services to people with AD, their families and caregivers. A nationwide 24-hour information and referral line links families who need assistance with nearby Chapters. Those interested in help may call 800-272-3900. Those with Internet access can reach our home page at http://www.alz.org or send a message to info@alz.org. 1. Recent memory loss that affects job skills 2. Difficulty performing familiar tasks 3. Problems with language 4. Disorentation of time and place 5. Poor or decreased judgment 6. Problems with abstract thinking 7. Misplacing things 8. Changes in mood or behavior 9. Changes in personality 10. Loss of initiative FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 13 Shelbyville Manor Garden Court
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How To Choose An ISP By Sandy Berger A Itre SriePoie n nent evc rvdr
a couple of miles from town. Satellite is a viable option but keep in mind the various negatives. Bad weather can crash the system, of course. Also, at any given time you are competing for bandwidth with the satellite's other users. So expect occasional delays. Another potential glitch: The satellite connection provides only incoming data. When you transmit data - such as an order to sell stocks - you must do it through a local phone line. And that means that in effect you have two Internet connections to worry about. DSL is offered in different speeds for different prices. Consolidated offers 3 broadband speeds (1 meg, 3 meg, and 6 meg) at three different prices. Typically cable and satellite offer just one very fast speed (5 meg) for one price. (Note: all speeds are burstable - up to, actual speeds vary depending on computer hardware, distance, traffic, etc.) Typically, all providers offer discounts if you purchase more than one service. Once you have decided which type of connection you want, it is time to start your search for an ISP. An Internet Service Provider can be a company like Earthlink or America Online. These are dedicated ISPs that are only in the Internet business. It can also be a telephone company like Consolidated Communications, or a cable company like Time Warner. Dedicated ISPs and telephone companies can provide both dial-up and broadband service while cable providers generally only provide broadband cable connections. First check with your own cable service provider and Telephone Company. Call or visit their Web sites to compare prices and service. Then check out any dedicated Internet Service Providers. You can often locate local service providers through ads in your local newspaper. You can find national service providers by searching the Internet and/or computer-related magazines and material. While price is important, don't choose an ISP based solely on the amount that it charges or you may be disappointed when you cannot get online or get help. Some ISP's offer free wireless routers (more than one computer can connect anywhere in the house if the computer has a wireless connection); have modem or router rental fees (hidden charges), installation fees or self-install kit, spam and virus protection, which typically is standard. In choosing an ISP you should not underestimate the importance of the quality of service and the availability of good support. Often the only way to evaluate these services is to get the opinion of and learn from the experiences of others. So talk to your friends, relatives, and neighbors. See if they are happy with their ISP. Web sites like Broadband Reports at www.broadbandreports.com will help you figure out what services are available in your area and also have message boards where people tell about their experiences, often praising or condemning their broadband services. Reading these individual reviews is an eye-opening experience that you will want to have before you decide which service you want to use. When investigating Internet Service Providers you will want to find out what actually comes with your account. Most provide the software you need and will help you set up your computer so that you can make the Internet connection for the first time. Many have toll-free numbers and unlimited technical support. Two things that can vary are the number of e-mail accounts the service provides and the amount of Web storage space that comes with your account. If you are getting a dial-up connection, you will need a modem in your computer (most of today's computers have them preinstalled). To use a broadband connection you will need an external cable or DSL modem. This is usually provided and owned by the ISP and is provided as part of Once you've had a taste of the Internet and all it has to offer, you will want to stay connected. To make an online connection you need an Internet Service Provider (ISP). This is the company that provides your hook-up to the Internet. Whether you are choosing your first ISP or searching for a better or cheaper one, finding the right service provider can be a challenge. First you will want to decide what type of Internet service you need. Will you need it to check email, pay bills, read news, chat? For this type of use a slower speed is sufficient. If you want to play games, download music or movies, then a faster speed is necessary for maximum enjoyment. There are basically two types. A dial-up connection that uses your current telephone line to connect to the Internet has many drawbacks. It is the slowest type of service. It ties up your telephone line unless you install an extra line or a device to notify you when a call comes in while you are online. It can take several minutes to make a connection. The advantage of dial-up service is the cost and that it is not distance sensitive, you can dial in from virtually anywhere, even on the road when traveling. It is the cheapest way to get on the Internet. So dial-up service may be an option if cost is an important factor or if you only plan to use the Internet on an occasional basis. For those of you who want to go online regularly and don't mind spending more, broadband Internet access is the way to go. It is fast, doesn't tie up your telephone line, and is "always on" so you don't have to wait for the telephone to dial and connect. When your computer is on, the Internet is instantly available to you. There are three popular types of broadband connections: DSL, cable, and satellite. DSL & cable are distance sensitive, which basically means they can't be reached more than the service, but sometimes there is an additional charge for equipment. So be sure to ask about the equipment. Except for an inexpensive telephone cord, there is no installation cost for a dial-up connection. You simply hook your computer up to your telephone line. Installation for broadband connections is more complicated and must be provided by the ISP. Installation costs can also vary; another thing to check out. If you travel, be sure that the Internet service you are considering provides dial-up access that you can use without long distance charges, just in case you want to check your e-mail while you are away. When comparing broadband service, be sure to check the amount of upload and download bandwidth that each service provides. The contract that you agree to is also important. Are you signing up for a certain period of time? Can the service be terminated without penalty? Remember, when deciding which company to use for your Internet service, customer service, availability, quality, and responsiveness is very important. There is certainly a lot to investigate when choosing an ISP, but a thorough scrutiny of the ISP and the services they offer will help you make an informed decision that will make you smile for months to come. FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 15 16 HOW TO CHOOSE... FRIDAY, AUGUST 4, 2006 How To Choose...
Buying A New Car A New Car
· Consider ordering your new car if you don't see what you want on the dealer's lot. This may involve a delay, but cars on the lot may have options you don't want - and that can raise the price. However, dealers often want to sell their current inventory quickly, so you may be able to negotiate a good deal if an in-stock car meets your needs. Learning The Terms Negotiations often have a vocabulary of their own. Here are some terms you may hear when you're talking price. · Invoice Price is the manufacturer's initial charge to the dealer. This usually is higher than the dealer's final cost because dealers receive rebates, allowances, discounts, and incentive awards. Generally, the invoice price should include freight (also known as destination and delivery). If you're buying a car based on the invoice price (for example, "at invoice," "$100 below invoice," "two percent above invoice"), and if freight is already included, make sure freight isn't added again to the sales contract. · Base Price is the cost of the car without options, but includes standard equipment and factory warranty. This price is printed on the Monroney sticker. · MSRP (Monroney Sticker Price) shows the base price, the manufacturer's installed options with the manufacturer's suggested retail price, the manufacturer's transportation charge, and the fuel economy (mileage). Affixed to the car window, this label is required by federal law, and may be removed only by the purchaser. · Dealer Sticker Price, usually on a supplemental sticker, is the Monroney sticker price plus the suggested retail price of dealer-installed options, such as additional dealer markup (ADM) or additional dealer profit (ADP), dealer preparation, and undercoating. Financing Your New Car If you decide to finance your car, be aware that the financing obtained by the dealer, even if the dealer contacts lenders on your behalf, may not be the best deal you can get. Contact lenders directly. Compare the financing they offer you with the financing the dealer offers you. Because offers vary, shop around for the best deal, comparing the annual percentage rate (APR) and the length of the loan. When negotiating to finance a car, be wary of focusing only on the monthly payment. The total amount you will pay depends on the price of the car you negotiate, the APR, and the length of the loan. Sometimes, dealers offer very low financing rates for specific cars or models, but may not be willing to negotiate on the price of these cars. To qualify for the special rates, you may be required to make a large down payment. With these conditions, you may find that it's sometimes more affordable to pay higher financing charges on a car that is lower in price or to buy a car that requires a smaller down payment. Before you sign a contract to purchase or finance the car, consider the terms of the financing and evaluate whether it is affordable. Before you drive off the lot, be sure to have a copy of the contract that both you and the dealer have signed and be sure that all blanks are filled in. Some dealers and lenders may ask Think about what car model and options you want and how much you're willing to spend. Do some research. You'll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal. Consider these suggestions: · Check publications at a library or bookstore, or on the Internet, that discuss new car features and prices. These may provide information on the dealer's costs for specific models and options. · Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons. · Plan to negotiate on price. Dealers may be willing to bargain on their profit margin, often between 10 and 20 percent. Usually, this is the difference between the manufacturer's suggested retail price (MSRP) and the invoice price. Because the price is a factor in the dealer's calculations regardless of whether you pay cash or finance your car - and also affects your monthly payments - negotiating the price can save you money. you to buy credit insurance to pay off your loan if you should die or become disabled. Before you buy credit insurance, consider the cost, and whether it's worthwhile. Check your existing policies to avoid duplicating benefits. Credit insurance is not required by federal law. If your dealer requires you to buy credit insurance for car financing, it must be included in the cost of credit. That is, it must be reflected in the APR. Your state Attorney General also may have requirements about credit insurance. Check with your state Insurance Commissioner or state consumer protection agency. Trading In Your Old Car Discuss the possibility of a trade-in only after you've negotiated the best possible price for your new car and after you've researched the value of your old car. Though it may take longer to sell your car yourself, you generally will get more money than if you trade it in. Considering A Service Contract Service contracts that you may buy with a new car provide for the repair of certain parts or problems. These contracts are offered by manufacturers, dealers, or independent companies and may or may not provide coverage beyond the manufacturer's warranty. Remember that a warranty is included in the price of the car while a service contract costs extra. Before deciding to purchase a service contract, read it carefully and consider these questions: · What's the difference between the coverage under the warranty and the coverage under the service contract? · What repairs are covered? · Is routine maintenance covered? · Who pays for the labor? The parts? · Who performs the repairs? Can repairs be made elsewhere? · How long does the service contract last? · What are the cancellation and refund policies? FRIDAY, AUGUST 4, 2006 HOW TO CHOOSE... 17 18 HOW TO CHOOSE... FRIDAY, AUGUST 4, 2006 How To Choose... How To... A Fitness Routine
(MS) - It's easy to fall into a rut with your fitness routine. The hardest part about staying fit is finding a convenient time to exercise - and sticking to it! In today's busy world, trying to balance work and family leaves little time to squeeze in an effective workout. But we all recognize that making exercise a priority is an essential step towards promoting healthy physical and mental well-being. The question is where do you find the time? Here are some easy ways to work fitness into your daily routine - no fancy, expensive fitness equipment or gym membership required. 1. Rise and shine! Rise 30 minutes before you usually do. Use that time to go for a quick jog around the block or to take a fast walk on the treadmill. Sure, you won't catch as many Zs, but you'll be full of energy to get you through the rest of the day. 2. Be a couch potato. No, that doesn't mean sitting in front of the TV with a bag of chips. Take advantage of your tube time to squeeze in mini workouts. Sit in a rocking chair to improve strength and flexibility in your knees. Lift weights as you watch a talk show. Ride a stationary bike during your favorite reality series, or walk on a treadmill as you indulge in a TV movie. Even getting up to fix yourself a healthy snack or folding laundry during commercials can help burn calories. 3. Let your TV give you a workout. Fortunately, Comcast has answered the call of the time-starved consumer by delivering a library of dynamic fitness programming called Fitness ON DEMAND. At the touch of your remote, you can let your TV give you a workout by selecting from a list of over 55 workouts led by top-notch fitness experts. Bored with the same old treadmill routine? Fitness ON DEMAND blasts away the fitness blues with a lineup of workout categories sure to transform couch potatoes into fitness fanatics. Choose from Cardio, Quick Workouts, Yoga, Pilates, Dance and more. Learn to belly dance in the comfort of your own home. The options are endless. Plus, with the convenience of ON DEMAND programming, you can stop, pause, fast-forward and rewind and fit your workout into a schedule that accommodates your lifestyle. For more information about how to become a Comcast Digital cable customer, call 1-800COMCAST or visit www.comcast.com. 4. Take the stairs. Stairs aren't just for public places. Take the laundry from the basement to your bedroom. Walk up and down the steps like Rocky Balboa for a mini workout. 5. Clean like you mean it. Housecleaning is a necessary evil so use those chores to your advantage. Stretch to reach that top dusty shelf. Squat as you vacuum the living room floor. Bend to load and unload the dishwasher. Strengthen your arms and back as you rake or hoe your garden. Avoid a Cold
1. Avoid sharing drinking and eating utensils with people who are sick. 2. Wash your hands before eating and as often as possible. 3. To increase your immune system, take a multivitamin daily and eat vitamin C-enriched foods such as oranges, tomatoes and broccoli. 4. Drink eight glasses of water a day. Herbal teas and diluted fruit juices can also increase your water intake. 5. Get 7 to 8 hours of sleep a night. 6. Manage stress as it can weaken the immune system. 7. Exercise regularly. 8. Avoid contact with people who are sick. 9. If you can, stay home when you are sick. 10. Avoid touching your eyes, nose or mouth. Germs are often spread when you touch something that is contaminated and then touch your body. How To Choose...
(MS) - When it comes to home security, choosing the right provider can make all the difference. Everyone wants to feel as safe as possible in their home, a desire that leads many homeowners to seek out home-security systems. Unfortunately, not all systems and providers are the same. This means you'll want to do some research before signing on any dotted lines. Those new to the home-security game may not be exactly sure what to look for. Many times, choosing a company can be confusing, as technology can vary greatly depending on what you might want and what you can afford. The following guidelines should provide some solid tips on how best to approach finding the right home-secu- A Home Security Provider
rity provider for you and your family. · Ask for recommendations. Unless you live on a secluded hilltop, you likely have neighbors who have been living in your neighborhood longer than you. And if you're having security concerns, they may have had similar concerns before you and might be able to recommend a good provider in your price range. If you're skeptical of asking neighbors, ask friends or relatives if they know of any reliable companies. Another good place to go, according to the Arizona Burglar and Fire Alarm Association (ABFAA), is your local Better Business Bureau. They should be able to tell you if any past complaints have been filed against a company you're looking into. · Ask about installation. Some companies have been known to sell systems faster than they can install them. While it's unreasonable to expect immediate installation, it's not unreasonable to expect your new system to be installed in a timely manner, especially considering your family's safety is at stake. Com