insidePg. 2 ......................................How To Choose A Funeral Home And CrematoriumPg. 4 ........................................................................ How To Choose A Financial AdvisorPg. 6 .................................................................................. How To Choose Vinyl WindowsPg. 8 ................................................ How To Choose A Home Health Care ProviderPg. 10 .......................................................................................... How To Choose A FireplacePg. 12 ...................................................................................How To Choose A VeterinarianPg. 14 .............................................How To Choose An Air Duct Cleaning CompanyPg. 16 ................................................................................... How To Choose A MemorialistPg. 18 ....................................... How To Purchase Auto, Home and Life InsurancePg. 20 ........................................................................................... How To Choose A HospitalPg. 22 ...........................................................................How To Choose A Tax ConsultantPg. 24 ............................................... How To pass along your credit union legacyPg. 26 ................................................................................. How To Choose A Hearing AidePg. 28 ............................................................................. How To Choose A Stone SurfacePg. 30 .............................................................. How To Choose A Manufactured Home

July 2014

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How to... choose a Funeral Home & Crematory

I n the past, most people chose a fu-neral home for the following reasons:

they had a relationship with the funeral home before, the perceived ethnicity of a funeral home, the location of the funeral home or upon the recommendation of a friend.

Most local, independent funeral homes rely upon their reputation for success. They have been operated by the same family from generation to generation and have been successful because they have built a business based on trust. With vari-ous mergers and acquisitions occurring in our industry, it is important that you choose a family owned funeral home where the family cares about your needs.

Every funeral home should be capable of addressing each family’s religious needs and provide a service that is meaningful to each family. Some funeral homes are better than others in going the extra mile to provide a personalized tribute to a life that was lived.

Some people choose a funeral home based on their location, however the most convenient location may not be the best suited for your needs or a good value. You should make your decision based on whether their facilities are up to date, whether they offer a variety of options based upon your budget and whether they are willing to offer a per-sonalized tribute to the life of the person. There should be plenty of parking and the building should be handicapped accessible. You can often get a feel for a particular funeral home by accessing their website. The website should pro-vide a description of the funeral home as well information about the variety of ser-vices they offer. Many of your questions will be answered directly on the website

or you can contact the funeral home by email for more specific requests.

You should not choose a funeral home based on price alone. All funeral homes are mandated by law to give you a General Price List before you begin to talk about any type of arrangements you will make. Therefore you can select the services that are right for your family and your budget. A good funeral home will take into consideration your family and circumstances and offer recommenda-tions. Choosing a funeral home on price alone may shortchange you on the personalized care and service you need to receive.

The Funeral StaffWhile a funeral home can be truly beauti-ful, it is the willingness of the funeral staff to insure that the funeral of your loved one be meaningful to you. The funeral staff should be attentive and provide compassion and support since you will be with them for a few intense days. You should always get the feeling that they will take care of your loved one just as you took care of them in life.

You should also be able to relate to the funeral director who will handle the ar-rangements and be able to speak frankly about what you want. No request by you should go unfulfilled. You should also ask whether the funeral home offers concierge services, i.e. assisting with ordering flowers, arranging accommoda-tions for out of state relatives, reserving a restaurant or catering facility for a family reception, or helping with any other need that may arise.

Support ServicesWhile most funeral homes can provide any type of funeral service, the good funeral homes are concerned about what

happens after the funeral is over when the family member finds himself/herself all alone. The funeral home should be able to provide support information so that a grieving family member can begin the grieving process. In addition, the funeral home should be able to recom-mend specific support organizations where people can go to learn about coping with their loss whether it is with a private therapist who specializes in grief issues or with a support group.

PreplanningWhen someone dies there are over 97 decisions that need to be made about planning a funeral. Oftentimes, you need to address these important issues in a very short period of time. You can avoid many of these hasty decisions by pre-planning the funeral services.

Preplanning allows you to complete the vital statistic portion of a funeral; you can talk about the type of services; the people you might like to have involved; begin to write an obituary; and organize your legal and financial documents. So many things can be done ahead of time to make it easier for families at the time of need.

In conclusion, after you have met with a funeral director to ascertain what you think might be important to you, then you can determine whether that funeral home would be able to deliver on your requests.

A funeral home should be a center where you receive help and support to make sure that the funeral experience is soft, soothing and a tribute to the person that you just lost from the time of their death to your road to recovery. There is a difference in funeral homes. Make sure that you compare.

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We off er a wide variety of Services and Facilities: 3 Chapels Mausoleum & Columbarium Reception Room Crematory Cemetery Traditional Funerals Graveside Services Cremation Graveside Services Traditional Funeral followed by Cremation Memorial Services Simple Burial Simple Cremation*

*Usually less than Spokane Cremation Societies

Mountain View Funeral Home & CrematoryLewis Clark Memorial Gardens

Merchant Funeral HomeRichardson-Brown Funeral Home

We are experienced with services for every belief and faith, and are proud to off er dignifi ed care to everyone in our community.Your trust means everything to us, and we thank you for that trust for over 100 years.

No one wants to plan a funeral.However, when you lose a loved one, you can trust us to provide professional care, and to respect the concerns and the budget of your family.

merchantmemorialgroup.com

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How to... choose a financial advisorFinding the right financial advisor

for your situation is essential for your financial health. Think of it this way: Choosing a financial advisor who’s right for your specific financial situ-ation is similar to choosing the right nutrition program for your specific body type.

THINGS TO KEEP IN MINDSince not every diet program is suited

for your specific health and wellness needs, not every financial advisor is suited for your financial wellness needs. You want to be able to rely on your finan-cial advisor’s advice when it comes to trimming your expenditures and what to do to save for retirement the same way you rely on your doctor for keeping your body trim and fit.

Be sure to do your homework before starting a relationship with a financial advisor.

Before making a choice, perform a background check on the financial advi-sors on your list and review their creden-tials. Your financial advisor must have the necessary training from an accred-ited institution and the prescribed certifi-cation for your state in order to be a true financial advisor.

Ask yourself the following questions:•How many years of experience does

the financial advisor have?•Have any complaints been filed

against the financial advisor?•What awards, if any, has the financial

advisor received?•Can the financial advisor provide

concrete proof of a satisfied clien-tele?

Answers to these questions are key when searching for a financial advisor who will meet your specific needs.

AREAS OF EXPERTISEThere’s a complete buffet of financial

products that can contribute to your financial well-being. Everything from bonds to mutual funds and commodities to stocks are common investing tools. However, depending upon your appetite for risk, some investment vehicles are better for your portfolio than others. You want to find a financial advisor who’s an expert in customizing a financial plan for your benefit, not for your detriment.

Consider the specific segment of the market in which you want to invest your money. Look for a financial advi-sor specializing in that particular invest-ment type. For example, you might want to invest in the commodities market. If your potential financial advisor has little experience in the commodities market, consider a different choice on your can-didate list.

RATE OF SUCCESSTake a look at the rate of success

each potential candidate has. Has the rate of return of his recommendations outpaced the average market rate of re-turn over the last year, five years, or ten years? One indicator of a solid rate of re-turn is how well a financial advisor con-ducts research to strengthen his clients’ portfolios.

Here’s where experience plays an im-portant role. This is especially important in tough economic times. How well has your financial advisor-candidate weath-ered past economic recessions for his clients? Do his clients continue to thrive in a bleak financial environment? On the other hand, have his clients experienced multiple hits to their portfolios?

That’s why an advisor’s success is well worth your consideration.

FEES OR COMMISSIONS?Ask your financial advisor about her

compensation. Is she fee-based or com-mission-based? That will make a differ-ence in your final selection. After all it’s your money you’re investing, not your financial advisor’s money.

A commission-based advisor is more apt to suggest financial products that favor her compensation. Such a situ-ation could needlessly increase your exposure to market risk. Only go with a commission-based advisor if she has a proven track record of success and has your best interest in mind.

If you feel the need to guarantee that your best interest will be served, go with a fee-based advisor. A fee-based advi-sor is compensated only for the time spent on servicing your portfolio.

INTERVIEWFinally, make arrangements to meet

the top candidates on your financial ad-visor list. Get a feel for how the financial advisor will treat you as his or her client. Will he act condescending toward you and your ideas? Will she have the heart of a teacher when addressing your con-cerns? A good way to do that is to ask direct questions regarding experience, services and financial products offered, and the fee schedule. How your financial advisor-candidate answers your ques-tions will give you a solid idea of which one is right for you.

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Experiencehas a local address.Be confident that your finances are going in the right direction. You don’t have to go far. Because right here in the Lewis-Clark Valley, you’ll find a Morgan Stanley office staffed with capable, experienced Financial Advisors.

Morgan Stanley Financial Advisors can help you sort through the complexity of wealth management and investing. Call us today to set up an appointment. And find the experience you need. Right where you need it.

©2013 Morgan Stanley Smith Barney LLC. Member SIPC.CFC94111907/14 CFC610757 FAS008

Eric JustisFinancial Advisor

Ken MaestasVice President

Financial Planning SpecialistFinancial Advisor

Timothy LynchSr. Vice PresidentPortfolio Management DirectorFinancial Advisor

The Clearwater Group at Morgan Stanley

518 Diagonal Street Clarkston, WA 99403(509) 295-5175Morganstanleyfa.com/clearwatergroup

Complex address: 500 108th Ave NE, Suite 1900, Bellevue, WA 98004 (800) 328-2802

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How to...choose vinyl windows & renovate correctly

HOW-TO TIPSLook for a company that custom manufactures,

installs and guarantees their product. This way you get the best tting window and you only have one number to call for any needs with the product.

Look for 3rd party certi cations/endorsements on windows such as ENERGY STAR®, NARI®,AAMA, Good Housekeeping, etc. Their support means the window means the window has net or exceeded their high standards.

A quality company with a quality product will offer a lifetime guarantee on their window. Don’t settle for anything less.

A quality vinyl window will be made from non-recycled vinyl, have welded corners for strength

The glass used in the window should be coated, double-pane, insulated glass enhanced with an inert gas for additional insulated and noise reduction.

RENOVATE RIGHT: (NEW EPA guidelines for lead base paint on homes built before 1978) Federal law requires that individuals receive certain information before renovating six square feet or more of painted surfaces in a room for interior projects or more than twenty square feet of painted surfaces for exterior projects in hous-ing, child care facilities and schools built before 1978. Homeowners and tenants: renovators must give you the, Renovate Right Pamphlet, before starting work.

Child care facilities, including preschools & kindergarten classrooms, and the families of children under the age of six that attend those facilities: renovators must provide a copy of the Renovate Right Pamphlet to child-care facilities and general renovation information to families whose children attend those facilities.

Also, since April 2010, federal law has re-quired contractors that disturb lead-based paint in homes, child care facilities and schools, built before 1978 to be certified and follow specific work practices to prevent lead contamination. Therefore be sure to ask to see your contractor’s certification.

WHY VINYL IS THE KING OF WINDOW MATERIALS

Vinyl has replaced wood as the number one material used in the windows of new homes and is already the leader in replacement of old or outdated windows.

All major window manufactures now offer a vi-nyl window because of its many advantages. It is warm to the touch; vinyl windows can be made in almost any shape. Unlike wood, however, vinyl windows require no painting or re-glazing. Most importantly, today’s vinyl windows are four times more energy-efficient than the state-of-the-art windows installed in new homes just a few years ago.

HOW CAN I COMPAREENERGY PERFORMANCE?

There are many grades of vinyl windows, but it is easy to separate the good from the average. Companies producing the highest-quality win-dows are part of the ENERGY STAR® program, operated by the U.S. Department of Energy and the Environmental Protection Agency. These windows are commonly 40 percent more

energy=-efficient than building codes require and their performance is certified by the National Fenestration Rating Council (NFRC). Reading the NFRC label allows you to compare the per-formance between brands of windows because it rates the efficiency of the entire window unit.

ARE ALL VINYL WINDOWS THE SAME?

Advancements in vinyl extrusions allow the best manufacturers to offer structural rigidity without the need for any additional reinforce-ments. Windows made of lower quality vinyl are reinforced with steel or wood in a attempt to pro-vide strength. The wood is often too thin to pro-vide real rigidity or is exposed to the elements, absorbing moisture and rotting over time. While steel offers strength, it can reduce the energy efficiency of the window by conducting heat and cold. If you have any question about the architectural Manufacturers Association (AAMA) label on the product. A gold label means that the product passed strict tests for load strength and air or water infiltration.

THE GLASSThe energy-efficiency rating of the window is

referred to by its U-factor and 80 percent of the U-factor rating comes from the performance of the glass. The lower the Ufactor, the more energy-efficient the glass and the more comfort-able you will be in your home. Dual-pane glass filled with argon gas and coated with multiple microscopic layers of metals and non-metals (a Low-E coating) perform the best. Some brands of Low-E glass reflect infrared heat waves back to their source. This means that in winter, heat from your home reflects back inside, and during the summer, outside heat is reflected away from your home. Even basic Low-E glass lowers your

heating and cooling costs by 30 percent com-pared to plain dual-pane glass. The home featur-ing Milgard vinyl windows and SunCoat Low-E glass showed a 27% savings in summer cooling costs compared to the home with ordinary clear glass. The average summer afternoon demand for air conditioning in the SunCoat house was 30% lower due to reduced solar heat gain. SunCoat also produced significant savings on winter heat-ing bills.

WARRANTY REFLECTS THE CONFIDENCE OF THE SELLER

Warranties are only as good as the product covered and the company that stands behind them. Window warranties should not be prorated and should cover seal failure, parts, labor and installation for as long as you own your home. Replacement windows are a job you should only have to do once.

KNOW THE COMPANY YOU KEEPOver 20 percent of window companies in this

year’s Yellow Pages will be gone or will change their name in the next year’s book. The most important decision you will make might not be the windows you buy but the company from whom you buy them. The company should be able to provide you with proof of licensing, EPA lead cer-tification, proof liability insurance and be in busi-ness for over 10 years. (Companies in business more than 10 years are usually the ones that last.)

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Your Specialty Building Supply Headquarters

Windows, Doors and More ...Store

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How to... Choose a Home Health Care Provider

Most seniors and their families will one day have to face an inevitable and diffi cult question as time goes by and health conditions become more of a problem: Is it possible to remain living independently, or will a move into some form of senior facility be necessary?

Moving into a nursing home is an op-tion that might most appeal to seniors with mobility problems. A senior who has diffi culty in the completion of ev-eryday tasks is not restricted to a nurs-ing home, however.

While the staff of such residences see to all of their residents’ needs, the at-tention can be clinical and impersonal, making the transition from the freedom of home even more diffi cult. The conve-nience of having everything done for the senior has the downside of becom-ing just another face in a crowd of pa-tients. Another disadvantage is the lack of personal time and privacy.

Assisted living facilities off er another option for those who fi nd the perfor-mance of everyday activities, including bathing and meal preparation, diffi cult because of mobility restrictions or other health issues.

This growing trend in senior living provides extended help in such tasks while still allowing a measure of inde-

pendence and personal space. Despite these ad-vantages, however, an on-site assisted living residence still lacks the

comforts and familiarity of home.

A better option now exists to help seniors whose diffi culties with daily household chores would otherwise make a move necessary. Use of an adult care service can give a senior the best of both worlds.

Adult care services provide people who come to a senior’s home and carry out such tasks as basic chores and laun-dry, as well as giving medical reminders and running errands like grocery shop-ping. The variety of services they pro-vide let elderly people remain in their own homes, enjoying the dignity and freedom of staying at home while re-ceiving the help they need in the basic necessities of life.

From meal preparation to assistance in dressing, adult care services fi nd no task too large or insignifi cant. The main reason for the popularity of in-home adult care, however, is that it allows a senior to wake up in a familiar bed and go through life in the place that has been home.

The clinical impersonality of nursing homes and other on-site living facilities is a diffi cult adjustment for many peo-ple to face. Aging has enough diffi cul-ties, with its host of health worries and physical diffi culties, without undergo-

An Option for Seniorsto Remain At Home

ing such a radical change in lifestyle.

The simple fact of being in familiar rooms surrounded by personal belong-ings can help ward off depression and off er a soothing sense of comfort for a senior trying to come to terms with health issues.

Anyone with a parent or other elderly loved one who could benefi t from such care should consider looking into local adult care services. Odds are that such a search will fi nd a thriving business whose success relies on providing full service that caters to the patron’s spe-cifi c needs.

Another benefi t, apart from the as-sistance in daily tasks, is that adult care services off er a feeling of friendship and companionship that might otherwise be unavailable. A senior with a person coming into the home to do chores has the comfort of knowing there will be regular contact with someone who can be relied on.

The fi rst step for the family members of a senior, of course, is to consult with the senior who would be living in what-ever conditions are decided upon.

The answer to the question of stay-ing in a home versus living in a facility is a diffi cult one. However, the options available should make it easier for any senior to enjoy the comforts of home as long as possible.

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“Professional In-Home Health Care”ALTERNATIVE NURSING SERVICES

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How to... choose a fireplace or insertFIRE. We sit around fires and have been doing so... forever.If you have a room with a fireplace, then that fireplace is probably the focal point of the room. If it isn’t, it should be. Furniture and decor are placed in relation to the fireplace and a great-looking fireplace can “make” a great-looking room.Take a look at your fireplace. Does it “fit” the room? Have you updated or remodeled the room or decor but did not know what to do about the fire-place? Does it look old and outdated? Ugly? Dark and moody? Would a fu-ture home buyer like it?Sooner or later, that may be an impor-tant consideration. Buying a home is an emotional decision and fireplaces affect everyone, even if they never throw a log on the fire. A buyer “imag-ines” it being used, whether it is a men-tal image of an old Norman Rockwell painting, Christmas stockings hung on the mantel, or a romantic evening snuggled up to a loved one in front of a flickering or roaring fire.Home buyers will focus on your fire-

place. Your fireplace could affect whether they make an offer on your home. Or not make an offer. Or offer

less money. You might want to update your fireplace.A fireplace adds beauty and elegance to any home. Furthermore, a fire-place definitely adds value to your home. Having a fireplace is one of the most in demand and consistently popular features in a home because it adds charm and comfort to any liv-ing space. It also adds a considerable value to your property. An outdated home interior can turn off guests or prospective buyers. With newer options available, your home may not be sending the message you would like to convey. Adding a home fireplace is easier than you think. This is a great time to update or install a fireplace in your home in time for the winter months. The benefits of adding a home fire-place: 1. A fireplace in your home creates a soothing and calming effect and gives more drama to a room. Always con-sider these factors when redesigning or upgrading a room in your house.2. Fireplaces can brighten up a room due to its vivid yellow, red and orange colors that emit from the burning fire. 3. A fireplace can serve as the center-piece in a room. A giant plasma TV in a room could never equal the fasci-nation of a well-placed and beautifully designed fireplace.4. A room that has a fireplace will look more flowing and alive due to the fire movement. You can indeed witness this when you compare an active and inactive fireplace. An active fireplace will send out lights in every direction and creates a flowing sense of life, ac-tivity and movement.

5. Fireplaces that are made and de-signed by talented designers can be considered as works of art. When you add a fireplace to a room, consider the statement you want to create. An elegant and modern fireplace will do magic in bringing different elements of modern design. It can easily ele-vate other pieces inside a room. Contemporary-styled modern gas fireplaces and fireplace inserts don’t

use the traditional log look, and instead offer a bed of rocks or glass and reflective surrounds for a thor-oughly updated look. Contempo-rary inserts can be added to existing fireplaces, or new gas fireplaces can be installed in almost any room. For most people adding a fireplace is not a do-it-yourself prospect. Welenco Stove Store is a reputable fireplace store. Come in and talk to us about your fireplace needs. At Welenco Stove Store we have a genuine enthusiasm for our work and will offer ideas that you may not think of. We genuinely enjoy creating something that looks... like a master-piece when we are done!www.welencostovestore.com

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certi ed after being thoroughly trained on all aspects of the full line of Regency products. We can advise you on appropriate product selection, performance details and local building code requirements

•A Regency replace will cut your home heating costs by zone heating your living areas ef ciently

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How to... choose a Veterinarian

In today’s society, pets are generally considered to be

members of the family. As such, they should be provided with the excellent health care that any member of your family deserves.

Many people neglect to bring their pets to a local veterinarian due to cost concerns. These people tend to believe that it is sim-ply not financially wise or necessary to pro-vide their animals with regular health care. However, by ensur-ing that your pet has regular check-ups from an experienced animal professional, you can add years to your pet’s life and improve upon its happiness.

You should never wait until your pet is sick to provide it with the health care that it needs. Many animal diseases can be prevent-ed with regular check-ups, saving you time and money in the long run. Visits to the veterinarian will boost your pet’s health, allowing it to lead a happier, more vigorous life.

The process of searching for a veterinarian can seem intimidat-ing. However, so long as you

adhere to the following guide-lines, you can easily locate an animal health care professional that will provide your pet with the services that it needs in order to lead a long, healthy life.

When searching for a veterinar-ian, you should first ask for ref-erences from your friends and

family. The best way to receive an accurate impression of a vet’s quality of work is by speaking with his or her past clients.

A veterinarian’s references should assert that he or she is professional, timely, honest and compassionate. The Internet is also an excellent source of infor-mation regarding the quality of a specific animal health care pro-

fessional. Search for reviews from past clients, and check the business’s reputation with the Better Business Bureau.

After you have narrowed down your choices, feel free to visit the veterinarian’s office in order to receive a personal impression of the professional’s values. The

office should be scru-pulously clean, and all employees should be friendly and welcoming.

You should observe the interactions between the office’s staff and the animals that are pres-ent. If a large number of pets seem excessively stressed or anxious about their visit, this could be a warning sign that the vet is not as gentle or careful as he or she should be.

You can even chat with the other clients that

are present. Ask them about their past experiences with this par-ticular veterinarian. Most clients would be happy to share their stories or recommendations with you.

RVS

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“Old fashioned service in a state of the art facility.”

RUSTEBAKKEVeterinary Service

David A. Rustebakke, DVMJessica R. Bell, DVM • Caleb Schmerge, DVM

Joshua Harper, DVM, CVSMT

A 6,000 square foot state-of-the-art facility offering a full service horse and small animal hospital

with boarding as well as a haul-in cattle facility.

LIVESTOCK EQUINE SMALL ANIMAL

RVS

705 15th St. Clarkston • (509) 758-0955 • 24 HOUR EMERGENCY CARE

RUSTEBAKKE VETERINARY SERVICE OFFERS:• EQUINE medicine, surgery, reproductive services &

dentistry, and help with behavior and training problems.• SMALL ANIMAL medicine, surgery, dentistry,

reproductive services and full-service boarding.• BOVINE and SMALL RUMINANT medicine, surgery

and herd health.• LIVESTOCK supplies and vaccines.• DIGITAL X-RAY SERVICES• DIGITAL ULTRASOUND• IN-HOUSE CLINICAL LABORATORY• ONLINE – Many features including an animal pharmacy.• OUTDOOR equine horse facility

HOURS: 8am–5pm Monday - Friday, 8am–Noon Saturday.

www.rvs.vetsuite.com

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How to... choose a Air Duct Cleaning Company

EXPERIENCE-HOW MANY years has the company been in business? You don’t want a fly by night business touching your expensive HVAC equipment. Ask for their proof of licensing and bonding and liability insurance. Do they have contractor/public works licensing? Do they have local references? Ask neighbors, or co-workers about them.

QUALIFICATIONS-Is the company certified by the National Air Duct Cleaning Association (NADCA) which has strict standards relating to training, equipment, cleaning procedures and ethical behavior. Do they have experienced techni-cians that have earned the prestigious ASCS (Air Systems Cleaning Specialist)designation, as well as CVI (Certified Ventilation Inspector) VSMR (Ventilation System Mold Remediator) duct cleaning certification? Are they a member of the Better Business Bureau? If so what is their rating? What is their DunBradstreet rating?

PRICING-Has this company provided you a competitive price? Beware of the $99 whole house special sales gimmick. Check with other neighbors, or co-workers.

IS THIS A SIDE LINE service for them?Beware of low duct cleaning pricing if their real business is selling equipment & furnace parts? Make sure you have a bid from another heating dealer before letting your-self fall into this sales gimmick. Have a complete list of all major components of your HVAC system you want cleaned before the cleaning begins.

SAFETY-Job Safety should be a top pri-ority this means they employ the ‘best practices’ for safety at all job sites. Ask the company for their safety ratings? Do they use environmentally friendly, non-toxic, air purification products?

QUALITY CONTROL -Ask what are their QC policies? Customer survey’s on every residential jobsites? Visually inspection larger projects? To assure quality control, larger projects need completed reports for the facility or project manager.

In today’s

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your heating, and

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system clean and

well maintained so

your indoor air

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Do your researchGet your money’s worth,

check references, how longhas the company been in business?

Ask for proof oflicensing/insurance!!

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PREVENTATIVE MAINTENANCE

SpecialiSt in HVac SyStemScleaning uSing tHe moSt modern

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208.746.9858 FaxVisit us at www.bfpowervac.com

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a+ rating with the Better Business Bureau locally owned & operatedSince 1971 First air duct cleaning company national certified air Systems cleaning Specialist in idaho/Washington 1r2 rating with dun Brandstreet

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How to... choose a memorialistMany consumers have never pur-

chased a cemetery headstone or marker. It is in your best interest to first shop around to compare quality, craftsmanship and prices before mak-ing a final decision. Selecting a cem-etery headstone will be the most per-manent thing you will ever purchase in your lifetime, so there’s cer-tainly no need to make a quick and hasty decision.

When buying a cemetery headstone, memorial or monu-ment for a loved one, make sure you choose the right company. Be sure you feel comfortable with the person you’re dealing with. Purchasing a memorial is a major investment, but more importantly, it is the final gift you will give to someone.

Customer service is a critical part of the purchase process. Most people are in the midst of the grieving process during the time of purchase.

We want to help you through this very difficult time with as much ease and compassion as possible. Dealing with the loss of a loved one is a very difficult process. Our goal is to help make this transition a time of remem-brance.

Working with you to create the mon-ument you and your family deserve is what we strive for. Our mission is to listen to your vision and ideas, then make it a reality. It is what we love about our job.

We are your full service memorial company. We create either sandblast or lasered stones out of both marble or granite. We will design, create, de-liver and set your stone for you.

Granite HeadstonesGranite is the most popular mate-

rial for a memorial monument. Gran-ite is beautiful and extremely durable, making it a perfect choice for a monu-ment. Granite comes in a large variety of color and finishes.

Bronze Grave MarkersA bronze cemetery marker can be

created in any size to conform to your cemetery or memorial park regula-tions. Bronze plaques are usually mounted to a granite base. They are manufactured using a casting meth-od. Liquid, molten bronze is poured into a mold to create the final product.

PricingPrice, of course, is an important

factor in determining whether or not you will make a purchase. Don’t be afraid to shop around and compare quality and prices. Elements that af-fect pricing include – material used, the design, design elements (angels, emblems, etc.), granite color and ac-cessories such as photos, vases, etc.

Newest TechnologyQR Coding is the newest technol-

ogy available for memorial stones. For $85 you can purchase a QR Code that is approx. 1.5” x 1.5” and can ap-ply to any smooth flat surface. This QR Code links anyone who scans it with an iphone, ipad or camera ready

smartphone to a webpage that will provide information such as an obituary, family history, photo gallery, comments from friends and family or a video. You are provided the webpage template. You fill it in with any of the family history you would like to remain accessible for future genera-tions. As amazing as it is to be able to scan this code right there in the cemetery, this is not the only way to share the history of your loved one. You can supply the webpage address to anyone in the world so they too can en-

joy the wonderful memories you have created for your friends and family. The QR Code itself is 100% guaran-teed; if anything happens to it, we will replace it for free. Once purchased, you own the website for life.

The website is very user friendly and has a way to link to other QR Codes you may have purchased to create your own virtual family tree.

All of our products and services are local and we are happy to travel to our many surrounding areas.

Nothing is created until you ap-prove the artwork and you say it is JUST RIGHT!

Like us on Facebook.

Babette Peterson next to laser machine

208.746.1033618 D Street, Suite A, Lewiston, ID

Behind Zion’s Bank

www.pcslaser.com babette@pcslaser.com

BabettePeterson

Creating Timeless Memories

GIVE US A CALL

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Wells Fargo Rock

Laser on Black Granite

Bench Sandblasted Georgia Blue

In addition to the sandblast and laser memorial stones, we also create awards, address stones, pet memorials and more. Visit us with your

creative ideas and let us assist you in creating your timeless memory!

Sandblasted Newbury

Grey

Laser on Black Granite

SandblastedSalisbury Pink

Sandblasted Dakota Mahogany

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How to... Purchase insurance. Home, Auto, LifeLife is about the unexpected…That’s why there is insurance, to cover you for the unexpected loss.

Home & Renter’s Insurance Before you start shopping for insurance, you’ll

need to decide how much coverage to get. A home’s insurance value is based on the cost to rebuild the house, not the market value. And even though mar-ket values are still down in many areas, rebuilding costs are on the rise. Together with your insurance agent, you will get an estimate of the home’s rebuild-ing cost by taking into consideration such things as the size of the home and the building materials used in its construction.

Homeowners insurance automatically provides coverage for your personal possessions based on a certain percentage of your home’s insurance val-ue – 70% is typical. So if your home is insured for $200,000, you’ll also have up to $140,000 of cover-age for your possessions. But homeowners insur-ance policies usually have lower limits for certain kinds of items such as $1,000 or $2,000 for all of your jewelry, for example. If you have any particularly valuable possessions – such as jewelry, artwork or special collections, you may want to get extra cover-age for those items.

You can save money by:•Protective device credit – for burglar, smoke, and

fire alarms.•Multiple policy discount if your automobile insur-

ance policy is also with the same company.•Loyalty Credits from some insurance companies,

based on time insured with the same Company.•Be sure to purchase adequate insurance to re-

build your home based on building cost and not market cost, and replace your possessions.

•Review your policy limits to protect all your as-sets. Review your policy deductible, the higher the deductible the lower the premium. Consult your Professional Insurance agent to determine your needs.

•Be sure you have a current Home Inventory in case of a loss. Knowing the cost of your posses-sions. Go to www.knowyourstuff.org for a home inventory list and free app for your smart phone.

Renter’s Insurance •Landlords insure their rental properties with home-

owners or landlords insurance. These policies provide coverage for the structure of the building, any personal property the landlord owns (such as appliances and carpeting) and liability for injuries due to the property owner’s negligence in upkeep or safety of the property.

•But in the event that your personal belongings

and valuables are destroyed in a building fire or stolen by a thief, you need to have a renter’s insur-ance policy in place to cover your losses. If you do not have such a policy, you will need to recover from your loss out of pocket.

Auto InsuranceWhen it comes to auto insurance, you want to be

adequately covered if you get in an accident. Be-cause insurance prices are based on statistics, the prices each of us pays varies.

As you consider your policy needs, it is im-portant to keep the coverage limits in mind. The costs of a severe crash can quickly exceed your policy limits. If that occurs, you will have to pay for costs out of your own pocket.

What factors impact the cost of insurance:

•Age of the drivers, driving record.•Make, model of vehicle and the safety features –

cost of vehicle.

Coverage you can Purchase:Liability:Pays others for damages you become legally liable for, due to an accident.Uninsured/Under Insured Motorist:Provides bodily injury coverage for accidents caused by a hit-and-run driver, uninsured, or under insured driver which occur when you or your family are driv-ing a covered auto, or while you are a pedestrian.Medical expenses:Pays reasonable medical expenses for you and members of your family if injured in an auto accident or as a pedestrian struck by an auto.Collision:Protects you from losses resulting from damage to your auto due to collision with another object.Comprehensive:Pays for other losses to your auto, included losses caused by fire, theft, glass breakage, failing objects, natural disasters, vandalism, and other causes of loss.Rental reimbursement:Pays for a certain amount daily for a replacement

vehicle if yours is in the shop for repairs, due to a covered loss.Towing and Roadside Services:Provides emergency roadside assistance and tow-ing to help you get your vehicle back on the road or to a repair shop.

You can save money by:•A multiple vehicle discount for insuring more than

one auto with the same company.•A multi-policy discount for insuring both your

home and auto with the same company.•The good student discount for qualifying young

drivers.•Safety discounts for features like air bags and

anti-theft devices.•Loyalty Credit for insuring with the same company

long term.•Review your policy limits, coverages and deduc-

ibles. Consult with your professional insurance agent to determine your needs.

Disclaimer on Recreation Vehicles:It is important to note that your “Toys” (ATV, Snow-mobiles, Boat, Campers and Trailers) need to be in-sured separately.

Life Insurance•Find an Agent you

trust: It’s important to work with a licensed professional insur-ance agent, someone that will address your questions and concerns. Making your needs their priority.

•Get educated on the options available: Let your trusted agent teach you about the different life insurance products available. Each product fits a specific need, which is different for everyone.

•Complete a Life Needs Analysis: Sit down with your agent and calculate how much coverage you want. You may be surprised at how much life in-surance you actually need.

•Be Patient with the Underwriting Process: De-pending on the policy/policies you choose, the underwriting process will be different. Some only require an application, while others require an exam and review of medical records at no cost to you.

•Don’t Wait: Don’t put off addressing your life in-surance needs. The longer you wait, the more ex-pensive it will become. You also take the chance of developing a health issue that may make it dif-ficult and expensive to buy coverage later.

•Protect your Family: Life Insurance is not about you – it’s about protecting your family and those you care most about.

•Home •Renters•Auto •Life

1504 8th Street, Lewiston, Idaho 83501(208) 743-9426 • 800-615-8418

Katy MillerJames Sattler

Life is about the unexpected...That’s why there is insurance, to cover

you for the unexpected loss.

www.sattlerins.com

Sattler Insurance - Your trusted Allied Agent for the LC Valley.We are a Team of Professionals that are here to help you.

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How to... choose a hospitalSome of life’s most significant events occur

during a stay at the hospital. Whether it is a trip to the emergency department, the birth of a child or grandchild, or a surgical procedure that helps you enjoy life without pain; when it comes to your health, it’s important that you make the right decision when choosing the best hospital to care for you. Safe quality patient care, highly skilled physicians and healthcare providers, state-of-the-art medical equipment and technology, a comprehensive range of medical specialty services, and an excellent patient experience are essential qualities to consider when choosing a hospital. It’s good to know that the right choice is right here in our region – St. Joseph Regional Medical Center.

Providing excellent and compassionate healthcare as a full-service hospital is a long-standing tradition at St. Joseph Regional Medical Center. We are the Regional Medical Center people rely on to provide safe, professional and compassionate healthcare. Through compassion, knowledge, technology, and a love for what we do, we live our Mission and provide an excellent patient experience for all we serve.

Patient safety and quality care are priorities for the Medical Center. Recognition as a Distinguished Hospital for Patient Safety and earning numerous honors over the years demonstrates St. Joseph’s commitment and dedication to service excellence. St. Joseph is routinely recognized by national organizations, patients, and colleagues for providing safe, quality patient care. We are accredited by The Joint Commission. This Gold Seal of accreditation and certification is nationally recognized as a symbol of quality in healthcare and can only be achieved by meeting or exceeding strict performance standards.

St. Joseph Regional Medical Center is the region’s only designated Blue Distinction Center for Hip and Knee Replacement and Spine Surgery. This nationally recognized honor is earned by hospitals achieving

quality standards and demonstrating better patient outcomes while also providing affordable care. Additionally, St. Joseph’s Cancer Services received accreditation with commendation by the American College of Surgeons Commission on Cancer. This distinction came as a result of a successful demonstration validating that patients have access to the full scope of services required for diagnosis, treatment, rehabilitation, and support.

The St. Joseph Breast Imaging Center of Excellence is a premier multi-diagnostic imaging center, offering: Advanced Imaging Technology, Digital Screening and Diagnostic Mammography, Dedicated Breast Ultrasound, Stereotactic and Ultrasound Guided Biopsies. It is the region’s only Breast Imaging Center of Excellence by the American College of Radiology (ACR). Our staff is focused on breast imaging. Our radiologic technologists, who have their advanced certification in mammography, perform all exams and achieve excellence in each of the ACR’s breast imaging programs. The center is a mastery of diagnostic imaging techniques, expert clinical staff, and the use of advanced technologies.

St. Joseph is committed to providing excellent care to our region through the highly skilled and certified physicians on our healthcare team, and a quality facility with the latest in medical technology and treatments. St. Joseph has over 120 board-certified physicians active in both primary care and specialty practice. The St. Joseph Medical Group is a multi-specialty group of physicians providing primary and specialty care services. Providers at the Medical Group are employed by St. Joseph Regional Medical Center and work collaboratively for the benefit of their patients. We strive to have all members of our healthcare team be leaders in their field with formal training, advanced degrees, and certifications. The majority of our registered nurses have earned bachelor degrees in nursing and are certified in many specialty areas.

St. Joseph Regional Medical Center provides the region with the most comprehensive range of services, including surgery, diagnostic imaging, cancer treatment, Breast Imaging Center of Excellence, inpatient and outpatient mental health, rehabilitation, cardiovascular services, women’s health services, Family Beginnings Birthing Center, pediatrics, family care, sleep study center, adult and pediatric neurology, pulmonology, urology, hospice care and palliative care, gastroenterology and endoscopy services, neuro interventional radiology, surgery and emergency services. This complete service line sets St. Joseph apart in our region. The care you need is right here at St. Joseph Regional Medical Center.

Our patients are our number one priority. Our goal is to provide our patients with excellent patient care in a compassionate and healing environment. At St. Joseph, you can access your medical information online with FollowMyHealth. By using this patient portal you will get 24/7 secure online access from any computer, smartphone or tablet to the following: view test and lab results, view your patient summary and upcoming appointments, receive appointment reminders, and more. We make the following promise to all patients: “We promise that you are the center of our work. Our healing ministry will be provided with honesty, compassion and respect. Our dedicated team will be with you throughout your St. Joseph experience.”

At St. Joseph Regional Medical Center quality patient care is our greatest responsibility, skilled physicians and staff our greatest asset, providing excellent patient experiences our greatest accomplishment, and the health of our community and region our greatest goal. St. Joseph continues its commitment to the people of our region and our community.

St. Joseph Regional Medical Center. Together In Health.

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How to... choose a tax professionalThe complexities of filing taxes increase

every year, prompting more people to turn to professional tax preparation ser-vices. You may even be planning to count yourself among these people if your per-sonal financial situation has grown overly complicated.

Hiring a professional to file your taxes may be a good way to save time, but even that decision can be more intricate than many people realize. Your money and reputation are at stake, so the stakes are high.

The IRS urges all taxpayers to em-ploy care and caution when choos-ing a tax professional, as these pro-fessionals will not relieve people of the legal responsibilities of their tax returns. There is no doubt that most professional tax preparers are hon-est people who provide excellent ser-vices to their clients, but there are still unscrupulous tax preparers out there who can cause their “clients” consid-erable legal and financial difficulties.

Check the preparer’s qualifications. New regulations require all paid tax return preparers to have a Preparer Tax Iden-tification Number. In addition to making sure they have a PTIN, ask if the preparer is affiliated with a professional organiza-tion and attends continuing education classes. The IRS is also phasing in a new test requirement to make sure those who are not an Enrolled Agent, CPA, or attorney have met minimal competency requirements. Those subject to the test will become a Registered Tax Return Pre-parer once they pass it.

The IRS does license Enrolled Agents who must pass an exam and have con-tinuing education to maintain their li-censes. The Treasury Department autho-rizes these Enrolled Agents to represent taxpayers at all levels of an audit. H&R Block has Enrolled Agents on staff to as-sist you.

When you hire a tax preparer, verify

whether they will be able to provide you with representation if the IRS audits your return. This is also a good opportunity to inquire about the preparer’s audit rate.

The important thing is that you know precisely what you are paying for. Con-firm that you are hiring someone who specializes in tax preparation (CPA is a designation indicating a qualified ac-countant who may or may not be a tax specialist).

Always investigate your preparer’s cre-dentials and/or the business for which he or she works. Don’t be afraid to contact the Better Business Bureau to verify that the preparer and/or business does not have a questionable history.

Qualities of a legitimate & reputable tax preparer include:

•Affiliation with an organization that requires continuing tax education

•A preparation fee based on the com-plexity of your return

•A willingness to answer all of your questions

•Availability beyond the preparation and filing of your tax return after tax season

•Familiarity with all of the states in which you must file

•Familiarity with any special circum-stances that may apply to you

•A willingness to include an itemization of all judgement calls with your copy of the return

•A willingness to provide an in-person review of the refund with the preparerWarning signs that may indicate a disreputable tax preparer include:

•Claims that they can obtain larger re-funds than their competitors

•Guarantees of a refund up front•A request that you sign a blank form•Tax preparers who are unwilling to sign

a return (this is known as “ghost” prep-aration), the taxpayer needs to be up

front about all their financial informa-tion with regard to tax situations.

Ask if they offer electronic filing. Any paid preparer who prepares and files more than 10 returns for clients must file the returns electronically, unless the client opts to file a paper return. More than 1 billion individual tax re-turns have been safely and securely processed since the debut of elec-tronic filing in 1990. Make sure your preparer offers IRS e-file.

Provide all records & receipts needed to prepare your return. Reputable prepar-ers will request to see your records and receipts and will ask you multiple ques-tions to determine your total income and your qualifications for expenses, de-ductions and other items. Do not use a preparer who is willing to electronically file your return before you receive your Form W-2 using your last pay stub. This is against IRS e-file rules.

Make sure the preparer signs the form and includes their PTIN. A paid preparer must sign the return and include their PTIN as required by law. Although the preparer signs the return, you are re-sponsible for the accuracy of every item on your return. The preparer must also give you a copy of the return.

Once you are confident that your tax professional is competent, reputable, re-spected and suited to your needs, you can file with confidence and put your mind at ease.

Check the preparer’s qualifications.Ask if they offer electronic filing.Provide all records and receipts needed to prepare your return.

Make sure the preparer signs the form and includes their PTIN.

The tax professionals at H&R Block work year round to make sure you get everything you deserve. You can count on us to be here to help with your tax preparation or even just to answer a question. All year long.

H&R BLOCK®

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We have been with you every step of the way helping you to decipher the tax codes...We are open all year long! Because tax questions can pop up at any time.

DOWNTOWN1446 Main, Lewiston

(208) 743-0222

John and Terry Blankenship

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s a parent or grandparent, the welfare of your children and grandchildren is always at the forefront of your mind. You’ve probably considered what will happen to them when you are no longer around, and may have already set up a will and trust with the house, the car and other financial assets specifically doled out to your beneficiaries. Your legacy extends further than just the tangibles, however. You’ll pass on many traits unique to your family, such as your name, genetics and maybe an old family recipe. Passing along your credit union legacy can be both a tangible and intangible benefit to those you care about. Because of your membership with P1FCU, your immediate family members are eligible to join at any time as well. The benefits of credit union membership are innumerable. Credit unions are financial cooperatives, owned by their members. Because there are no shareholders, the board’s only interest is the safety and soundness of the credit union and making sure that members, not stockholders, are the beneficiaries of product and service decisions. Credit unions are member-owned, not-for-profit financial cooperatives, dedicated to improving members' lives.Members of your family will experience the same benefits of credit union membership you already enjoy. They, too, will benefit from expert advice, low rates on loans, high

dividends on savings and term share certificates, and exceptional member service. So, give your family the gift of membership today, and encourage those you care about to join your credit union and become a part of your credit union legacy. To set up accounts for your children or grandchildren today, visit your closest branch for more information. If you prefer, you may give us a call at 800.843.7128, or visit our website at p1fcu.org.

A

p1fcu.org

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Federally Insured by NCUA

*Annual Percentage Yield. Rates and terms subject to

change without notice.

.75%*APY

MoneyMarket

Accounts.90%*APY

18Month

Certificates**

1.99%APR

AutoLoanRates

*Annual Percentage Yield. Rates and terms subject to change without notice.** Minimum

balance requirements: The balance required to open this account is $500.00. You must maintain a minimum

average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Early withdrawal penalties (a penalty may be imposed for

withdrawals before maturity).

Not all will qualify for lowest rate.Up to 60 month term.

Because assetsaren’t alwaysmeasured indollars & cents.

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How to... Choose the Right Hearing Aid

Five tips to guide you.

1. Don’t go it alone. Bring along a friend or relative. “One of the most impor-tant steps you can take is to bring a spouse, family member or friend to the examination,” says Juliette Sterkens, an audiologist in Oshkosh, Wis. “Two people hear and remember more.”2. Interview a provider.“The number one thing

to remember is that the value you get out of your hear-ing aid is based on the skills and abilities of the hearing health professional,” says Sergei Kochkin of the Better Hearing Institute. Audiologists and hearing instrument specialists are both licensed to sell hearing aids, but audiologists hold a master’s or doctoral degree in audi-ology. Get referrals from health care professionals. The American Speech-Language-Hearing Association and the American Academy of Audiology offer information on how to find a hearing professional.

3. Know before you go. “Most people have had trouble with their hearing for years,” says Barry Freeman, an au-diologist and chairman of the board of the National Coun-cil for Better Hearing. Yet they wait an average of five to seven years before buying a hearing aid. The worse the hearing loss, the harder it is for your brain to adjust, so it’s important to act as soon as you think you may have hear

ing loss. When new patients come to him, Freeman quiz-zes them: “What do you want the hearing aid to do for you? Do you just want to be able to hear the television? Or do you hope to hear the sermon in church?” Knowing your priorities will help the professional determine what style and technology are best for you.

4. Have your hearing tested. During your visit, you should be given a hearing test in a soundproof booth. It will tell the audiologist or hearing specialist what type of hearing loss you have so a hearing aid can be pro-grammed specifically for you. Not all devices will fit every person or every degree of hearing loss. And “these are custom-made devices,” says Linda Remensnyder, an au-diologist near Chicago. “It’s not prudent to buy online or from a big-box retail store.”

5. Try before you buy. Ask for a demonstration of the hearing aids recommended for you. An audiologist may be able to put a disposable plug on the tip of a behind-the-ear hearing aid and program the device to your hear-ing loss so you can experience how it works. “This is way too important and costly a decision to make in a hurry.”

by: Cathie Gandel | from: AARP Bulletin | May 1, 2011

Top experts in the field give advice on how to shop for and choose a hearing aid.

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208-746-6068 | 800-248-5049Hours: Mon-Fri 9am-Close

Evenings & Saturdays by Appointment

OUT with the OLD... IN with the NEW!FREE SERVICES:• 30 Day Trial Period• Hearing Test• Cleaning & Adjustment of All

Hearing Aids• FREE Batteries for Life with

purchase• 0% Interest Financing

Available• We Bill Insurance

(where hearing aid bene ts are available)

• Local Labor and Industries Provider

• Federal Bene ts Provider• Bluetooth Capabilities

Modern Hearing Aids are true Miracles of TechnologyModern hearing aids offer a wide range of functions and variety. Your hearing care

professional will help you make the choice that is perfect for you.There are two basic types of hearing aids:

• Custom models (ITE or ITC and CIC models)• Behind-the-ear models (RIC and BTE models)

Area’s ONLY Board Certi ed

Hearing Instrument Specialist

Phonak Bolero Q

GuaranteedBest Service

and Lowest Prices In The

Quad-Cities

Hearing Aid Service1850 Idaho St., Lewiston

421033G1-14

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Building or remodeling comes with many tough decisions, like what kind of layout, what building features, and of course all the details like colors and designs. By the time you get to choosing finishes, it’s under-standable to be overwhelmed, but don’t give up yet! You’re almost at the finish and this is where it gets fun, as you really see your vi-sion come to life.

When planning your finished look, the first thing you must decide is what do you want the focus to be. Do you want guests to no-tice your spectacular light fixtures? Detailed cabinetry? Fancy countertop or elegant sink? Maybe it’s the flooring or backsplash you want to have the wow-factor. Whatever it is, start there. Bring a sample of your at-tention-grabbing piece with you to every other decision you make. If you have a cabi-net and tile color chosen when you choose a countertop, it is very helpful to hold your samples up next to the slabs you like to see what colors are highlighted with the other fin-ishes you have chosen.

Your countertop can be as subtle or as eye-catching as you want as there are many materials to choose from. Marble, soap-stone, and travertine are all beautiful under-stated natural options, although they may be a little high maintenance for some appli-cations. Quartz countertops have the range to be delicate or showy and are the least maintenance out of any countertop option. Granite is generally a bit more of a statement piece due to more contrast and movement, although there are some neutral granite op-tions, and durability is usually higher than any other material. There are other products as well, such as laminates and solid surface, that won’t offer the same durability as stone but may be good options if budget is getting tight towards the end of the project.

Another factor in your countertop deci-sion is whether you picture your kitchen with a lighter or darker top. On the same note, what other colors or features do you have in your space and do you want your countertop to coordinate or contrast with them? If you are lacking in natural light you may choose to keep your finishes on the lighter side. On the other hand if you have lots of light wood or white tones you may want to contrast those with a dark countertop to break it up.

Lastly, manmade materials such as laminate, quartz and solid surface are very consistent in composition, making it easy to choose from a sample and trust-ing the finished product will look like the sample you saw. Natural stone is made up of many different minerals and com-posites that give each color its charac-ter. Feldspar, quartz, mica, calcium, iron, labradorite, and garnet can all be found in different granite colors and all give each stone its unique characteristics. Make sure you see your stone in person! A sample can be deceiving with natural stone because each batch is different in shading and pattern. Discuss any con-cerns with a professional fabricator. Will there be any seams? Are there any fis-sures or features that are unavoidable to cut around? These questions are ap-propriate and appreciated by fabricators who take pride in their work, and they will certainly help you in making your final de-cision.

How to... choose a stone surface

4020 Hatwai Rd., Lewiston, ID 83501Phone: (208) 746-8196

Fax: (208) 746-0124info@graniteconceptsnw.comwww.graniteconceptsnw.com

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(208) 746-8196 | 4020 Hatwai Road, Lewiston | GraniteConceptsNW.com | /GraniteConcepts

LARGESTSELECTION INTHE REGION!

SET IN STONE.Beauty

120+COLORS

Kitchens • Bathrooms • Desks • BBQs • Fire Pits • Fireplaces

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How to...buy a Manufactured or Modular HomeFirst off we will define Manufactured vs. Modu-

lar home. Manufactured homes are built to HUD code. This is a federal code that was established in 1976 and is now one of the most strict building codes in place in our country. When placed on site the I-beam frame stays attached to a Manufac-tured home. Modular homes are built to IRC code. This is the code for the county or the city in which the home is being placed. The I-beam frames are either non-existent or are removed from this type of home. We sell Marlette brand homes and we can order them built to either code. The exterior and interior appearance of our homes does not change, just the code that they are built to. Both homes, when set on private property and a perma-nent crawl space foundation, can be converted to real property and are for all sense and purposes treated the same as a site built home. Low down payment and low interest 30 year loans can be taken out on them and they are given the same life span as a traditional site built home. Because they are converted to real property, depreciation is no longer an issue. The value of the homes go up and down with the market in the same man-ner a site built does. Manufactured homes can still be placed in parks and kept as titled homes if one chooses to live a more low maintenance life style.Why buy a Manufactured or Modular home?

Probably the biggest reasons to buy a Manu-factured home are time, cost and convenience. Modular homes do take quite a bit more time due to extra time in engineering them to the local code and the cost is slightly higher on a Modular home but is still normally less than the equivalent site built home. Most modern Manufactured and Modular homes are built with 2x6 construction, 36 inch front and rear doors, full taped and textured interior walls, 32 inch interior doors, wood cabinets, ener-gy efficient doors and windows and extremely high insulation R-values. Manufactured homes can

come as Energy Star rated homes making them some of the most energy efficient homes on the market. Manufactured and Modular homes are a great option for people in rural communities that may not have many local contractors available. They also come in all shapes, sizes and costs al-lowing dealerships to meet just about any buyers needs from small inexpensive and simple homes to large luxurious homes that would rival some of the fanciest homes in our area. There is usually a floor plan available in the size and cost you are looking for. Buyers can completely customize their homes with hundreds of options and choices de-pending on the brand of home they are looking at. Manufactured and Modular homes also come with excellent warranties, some going out as far as 5 years on the structure. The homes provide you with warranties on materials also. For example the

windows, siding, roofing and appliances all have warranties along with too many more to list. Most manufacturers only allow the dealer that sold the home and the manufacturer that built the home to complete service work. Be sure to buy from a reputable dealer located close to your area or ser-vice work may become an issue. To make sure the dealer has a good reputation for service, you can either ask for references or you can go to the Better Business Bureau ‘s website and check out who’s been “naughty or nice”. Financing a Manufactured or Modular home:

Financing for Manufactured and Modular homes is now very easy to obtain. If the homes are being placed on private land then most cus-tomers start out with a construction loan that gets converted into a 30 year mortgage loan when the project is completed. There are four costs in-volved in this type of loan. The cost of the home, the property, the site improvements and loan fees. Normally when a bank does construction loans (not all banks do) they will also do Manufactured and Modular home loans. There are a variety of programs out there from FHA 5% down loans to 20% no PMI insurance loans. PMI insurance can add a significant amount to a person’s monthly

payment and if the buyer owns their land free and clear (land equity can act as the down payment if value meets the banks requirements) or has at least 20% cash to put as a down payment this insurance requirement gets waived lowering the monthly loan payment. For the buyer that doesn’t want their home legally attached to the property, like farmers and ranchers that the land is say “in-corporated” or for people who are placing the home in a park, we do have several lenders that do low interest rate home only loans. This loan is on the home and the site improvements only and does not take the land into account. FAQ’S:1. Where can I place a manufactured or mod-ular home? Answer: There is no more zoning against manufactured or modular homes. The counties, cities and states will let you place them anywhere. The only exception is if a private indi-vidual such as a developer/builder has put protec-tive covenants against off site built homes.2. Do you have land home packages? Answer: Technically most dealerships just sell the home, but most act as a coordinator and help you put the entire package together.3. What do you have available in a 3 bedroom 2 bathroom home? Answer: Most manufactur-er’s have around 50 or so different floor plans to choose from. The homes usually come in 3 bed 2 bath versions with some 2, 4 and 5 bedroom ver-sions available.4. Can we make structural changes and modi-fications to the homes? Answer: Yes you can completely customize your home along with pick-ing from a wide variety of colors and materials.5. How much do your homes cost? Answer: Most homes start at around $35,000 for a single-wide and go up to $170,000 for a large triple wide, with everything in between. This cost does vary from dealership to dealership.

1463 Bridge StreetClarkston, WA 99403

www.sunrisehomecenter.com

Why Buy A Marlette From Sunrise Home Center?

Paul and Becky Wright have owned and operated Sunrise Home Center for 22 years here in the Lewis-Clark Valley. We are by far the oldest dealership in our area. Our years of business experience has allowed us to fine tune the process of buying and own-ing a manufactured/modular home. We are highly knowledgeable not only in the con-struction and placement of our homes but also in the construction process that goes along with setting the home. We have worked closely with multiple lenders throughout the years and are highly versed in what is needed to get a loan for your home. All the materials in our homes are the same as a site built house with 2x6 construction, full tape and textured walls, all wood cabinets, etc. Our Energy Star Homes have R38 in-sulation in the floors, R21 in the walls and R40 in the roof along with double pane low E vinyl windows, and a 50 gallon Energy Star hot water heater. Marlette has taken the Energy Star Package to a higher level and now has the distinct rating of GREEN! Service is what makes or breaks a business and we pride ourselves in having an excep-tional service record. Marlette has a 5 year structural warranty along with separate warranties on the siding, roofing, windows, appliances etc. Sunrise Home Center has one of the top records for Marlette in terms of sales and service. We have been a member of the better business bureau for over 20 years and we have an A+ rating with them. Our Marlette Homes are built at the factory located in Hermiston, OR. This fac-tory is also one of the top rated factories in the country for quality control and cus-tomer service. Top of the line, quality Marlette home along with years of experience and reputation is why you should by a home from Paul and Becky at Sunrise Home Center.

4210

64G

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