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2 Lebanon Publishing How to Guide 2014

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From kitchens to bathrooms, fireplaces to bars, granite gives you a sleek, sophisticated look. The experts at Granite Transformations will do it for you in a way that makes sense and accommodates all of your needs. Their experts will handle your installation quickly, honestly, and with the utmost professionalism. Your new countertops are fabricated in their shop so that none of the time-consuming mess occurs in your home. On installation day, they bring them finished and ready to install. Your beautiful new heat, stain and scratch resistant countertops are set in place and permanently bonded to your old ones. A Granite Transformation to a standard size kitchen countertop and backsplash is typically completed in just one day. This mold and mildew resistant material is also amazing in showers, on vanities or tub surrounds. There is no special maintenance or cleaning needed with a Granite Transformations surface. Installation is incredibly fast as the material is installed over your existing tiles. You get a new look in two to three days. A full scale kitchen remodeling, where cabinets are removed and new cabinets installed, can take weeks or months to complete. Compare that with kitchen cabinet refacing. By refacing your cabinets instead of replacing them, you will save time, aggravation, money and wear and tear on other kitchen elements, such as the oor and countertops. With cabinet refacing, the project is often completed within two to four days, and the dust and dirt is kept to a minimum. Working with Granite Transformations couldnt be less of a hassle. Their expert consultants listen carefully to your needs, and their experienced installers finish the process quickly. They even back it up with a lifetime warranty. Call Granite Transformations today for a free in-home consultation at 615-332-8434 and visit http://www.granitetransformations.com to see their incredible variety of styles and colors. Granite Transformations local store is located at 5215 Linbar Dr Suite 207 Nashville, TN
Lebanon Publishing How to Guide 2014 3

4 Lebanon Publishing How to Guide 2014

Stay Informed with Wilson County News

The Lebanon Democrat or Mt. Juliet News

To order, just call us (615)444-3952, or return the form below by mail or to our office with payment or payment information to The Lebanon Democrat, 402 N. Cumberland St., Lebanon, TN 37087 or you can email your information to krollins@lebanondemocrat.com

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Lebanon Publishing How to Guide 2014 5

CHOOSE THE RIGHT TELEVISION SERVICE PROVIDER

BY Dixie Woodard best option with the new Hopper system. The HD DVR records up to 2,000 hours of programming, two terabytes hard drive, and the DVR fee is only $12 a month for a wholehome DVR solution. DirecTV has a similar DVR option. However, DirecTVs DVR has a one terabyte hard drive and the fee is $25 a month. With both DVRs, customers can record two programs simultaneously while watching a live program or record three programs while watching a previously recorded program. Cable companies offer a DVR with 780 hours of recording time but can only record two Providers By now, most people have heard of DirecTV and Dish programs simultaneously with a 500-megabyte capacity for Network (renamed to simply Dish). Both providers of- $20 a month. Regardless of the provider you choose, you fer basic programming packages starting at $19.99 (Dish, can receive upgrade to an HD DVR by signing a contract. 55 channels) to $24.99 (DirecTV, 130 channels). Most caCustomer Service ble companies offer a basic 125-channel package price for According to JD Power and Associates, satellite custom$59.99 a month. The differences between channels offered are similar with a few minor exceptions. However, these ers consistently rank both major satellite providers as among prices are for a one standard receiver. For all providers, the best of all companies when it comes to service and supthe bells and whistles cost extra. Both satellite and cable port. Cable providers fare worse, typically receiving grades providers charge extra for additional receivers, HD (high in the fair to poor range from the majority of customers. In definition) programming, and DVR (digital video recorder) addition, cable operators report outage rates of 3 percent nafees. The additional charges are where the noteworthy dif- tionwide, while satellite providers report outage rates of less than 1 percent. Most experts agree that satellite beats cable ference lies for television service providers. when it comes to customer support and service and in terms of overall uptime and availability. High Definition Availability For both cable and satellite providers, you must provide Internet Options HD-capable set-top boxes to permit you to view HD proRecent advancements in satellite technology have engramming. This will add to your recurring monthly programming costs (cable or satellite). Generally, most cable abled Dish to offer an internet bundle service with their new stations top out on HD channels somewhere between 80 and Dishnet satellite internet system. Customers will save $10 120 stations; both major satellite providers offer up to 150 a month when they choose to add Dishnet to package. CurHD stations or more. Most cable companies offer HD pro- rently, DirecTV cannot offer this option. This system is a gramming free with the package price, whereas, DirecTV separate satellite dish, requiring a professional installation and Dish charge $10 each month. However, Dish offers by a certified technician. Dishs internet service is great for free HD for the first two years if customers choose auto pay rural customers without high-speed internet access. Howbilling. DirecTV recently began offering HD free with auto ever, the disadvantage to satellite internet is similar to data pay billing but for the first twelve months only. One point to plans on cell phones, a monthly limit. Most cable comparemember, satellite providers not only offer all digital chan- nies offer unlimited internet access for a reasonable price. nels but also offer more HD channels than cable. The best option.it depends The choice is yours. If you want to avoid contracts, have DVRs Digital video recorders have been around since the late no line of sight to receive a satellite signal, cable is best. 1990s. No matter what type of DVR you have, you will pay However, if technically innovative products, more HDTV DVR fees. Both cable and satellite providers offer DVRs to offerings, lower monthly programming costs, and awardtheir customers. The differences are the monthly recurring winning customer service are what you desire then satellite fees and hours of recording time. In this case, Dish has the television is your best option. Choosing the right television provider can be a daunting task. In most cases, cable providers do not require a commitment but you will pay a higher monthly price. However, because satellite companies require a two-year commitment from the customer when receiving free equipment and installation, it is important to be a well-informed consumer. In this article, we focus on the often-confusing satellite television providers.

6 Lebanon Publishing How to Guide 2014

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Important Terms and Conditions: Promotional Offers: Require activation of new qualifying DISH service. All prices, fees, charges, packages, programming, features, functionality and offers subject to change without notice. After 12-month promotional period, then current everyday monthly price applies and is subject to change. ETF: If you cancel service during rst 24 months, early termination fee of $20 for each month remaining applies. Activation fee may apply. Additional Requirements: Premium Channels: 3-month premium offer value is $165; after promotional period, then-current everyday monthly prices apply and are subject to change. Blockbuster @Home requires Internet to stream content. HDonly channels not available with select packages. Hopper Features: AutoHop feature is only available with playback the next day of select primetime shows on ABC, CBS, FOX and NBC as part of PrimeTime Anytime feature. Both features are subject to availability. Installation/Equipment Requirements: Free Standard Professional Installation only. Certain equipment is leased and must be returned to DISH upon cancellation or unreturned equipment fees apply. Upfront and additional monthly fees may apply. Recording hours vary; 2000 hours based on SD programming. Equipment comparison based on equipment available from major TV providers as of 1/17/14. Watching live and recorded TV anywhere requires an Internet-connected, Sling-enabled DVR and compatible mobile device. Miscellaneous: Offers available for new and qualied former customers, and subject to terms of applicable Promotional and Residential Customer agreements. State reimbursement charges may apply. Additional restrictions and taxes may apply. Offers end 6/12/14. HBO, Cinemax and related channels and service marks are the property of Home Box Ofce, Inc. SHOWTIME is a registered trademark of Showtime Networks Inc., a CBS Company. STARZ and related channels and service marks are property of Starz Entertainment, LLC. DR_6406_6915

Lebanon Publishing How to Guide 2014 7

8 Lebanon Publishing How to Guide 2014

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Lebanon Publishing How to Guide 2014 9

KEEP FROM KILLING YOUR POWER EQUIPMENT

BY James A Nutter, Nutter Equipment
I was on the south side of Lebanon this morning and saw a deadly threat to all the lawnmowers, chainsaws, and other power lawn equipment in Wilson County: a new gas station offering E85 fuel. E85 is a blend of 85% ethanol and 15% gasoline. The benefit of E85 is that ethanol is made from renewable resources such as corn and produces less carbon emissions. It has been government subsidized/mandated and is usually priced about 10% less than regular gas, so when you pull up to the pump, it is the least expensive product. However, E85 can only be used in Flex-fuel designated vehicles. We can debate whether turning food into fuel is good policy, but there is no debate as to what ethanol can do to small engines. Fuel begins to degrade as soon as it leaves the refinery. High temperatures, high humidity, and poor storage can turn gas stale in 30 days. Just as you might get a tummy ache from drinking sour milk, your engine-powered lawn equipment doesnt do well with stale gasoline. Neither stale fuel nor sour milk smells right. The main reason for fuels short shelf life is ethanol. When you go to a gas station in Lebanon today, you will find that most gasoline is blended with up to 10% ethanol and is (or should be) labeled E-10. Now we can buy E-85. Cars built after 2001 have computerized electronic fuel injection instead of carburetors and should run okay on E-15 (or 15% ethanol). Newer vehicles that are designated for flex-fuel can run on E-85, which contains 85% ethanol. Since gasoline has more energy than ethanol, however, your mileage will decrease by around 30%, thus eliminating that 10% per gallon price savings. Normally, since you fill your cars gas tank every week or two, the fuel stays fresh, and stale fuel is not an issue. Small engines on lawn equipment have carburetors and will be damaged by using ethanol blends greater than E-10. Since most people do not use their lawn equipment every day and store fuel in gas cans, stale fuel has become a major issue. Ethanol attracts and absorbs water. Humidwww.LookBeforeYouPump.com ity in the air becomes an ethanol/water solution in the gas tank, and when the water level exceeds .5%, the water/ethanol will cause phase separaScan with you QR tion. If you have ever reader app to see mixed oil and vinegar for the video salad dressing, you have seen phase separation. In fuel, the ethanol/water mix sinks to the bottom of the tank and the gasoline or gas/oil mix in two-cycle engines floats on top. Since most small engines are fed from the bottom of the tank, you will suck water right into the carburetor, and the engine will run very rough (if it runs at all). If water gets into the engine, it will rust the metal surfaces in the engine. We see this corrosion especially in the carburetor, where the fuel clogs the passages instead of flowing freely. We also see this in pistons with stuck rings that scar the head. At this point, the cost of repairs might exceed the value of the lawn equipment. Solving the problem So, what is the power-equipment industry doing about this problem? They are taking a three-pronged approach that includes chemical, technical, and political issues. On the chemical front, companies like Star-Tron, Sea Foam and Sta-bil make fuel-treatment products to help eliminate the ethanol problem. If you need or want to store gas for more than 30 days, you should always use one of these products. Engine technology is getting more advanced, too. Kohler has introduced new EFI (electronic fuel injection) engines that eliminate the carburetor and associated problems, while improving fuel economy by 25%, and the engine starts just like your car. With $3.50/gallon gas, that saves you around $1.00 an hour. The Outdoor Power Equipment Industry is also lobbying Congress to slow down the spread of higher ethanol blends of fuel and has started www.LookBeforeYouPump.com to provide information. What you can do to protect your equipment Your biggest opportunity to prevent fuel problems is at the point when you purchase the fuel. Make sure that you buy 87 octane fuel that is no more than 10% ethanol. Buy from a station that sells lots of fuel so that you get the freshest fuel possible. Buy only as much fuel as you will use in 30 days or less. If you must store the fuel longer than 30 days, use a fuel stabilizer (like Star-Tron), and add it as soon as possible. If you are mixing two-cycle oil with the gas for use in your weed eater, buy quality oil that has stabilizer already in it. Use a gas can that seals properly to keep out air. Dispose of that old gas can with the lost cap and leaking spout. Store gas in a cool, dry place that is not in your house. There are two schools of thought on storing lawn equipment for the winter. One says drain the fuel completely. Since it is hard to drain the fuel completely (and disposal of the fuel might be an issue), I prefer to fill it to the top with stabilized fuel to allow the least amount of air in the system. Spring weather is just about here in Wilson County, and it is time to start up the lawnmower and weed eater. What you did when you put it away for the winter will determine if it starts or not. All small engine mechanics will be cleaning or replacing a lot of carburetors in the next few weeks. This is another example of my mothers wisdom when she told me, An ounce of prevention is worth a pound of cure.

10 Lebanon Publishing How to Guide 2014

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12 Lebanon Publishing How to Guide 2014

Are you a full-time caregiver for an elderly family member and need some time away? WE CAN HELP!

Contact us about Respite Care

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RN & LPNs on duty Social Events Nutritious Meals Private or Short Term Apartments Laundry Service On-Site Activities Program: Days - Evenings - Weekends Housekeeping Service Van for off campus activities.

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or drop in for a visit at 900 Coles Ferry Pike in Lebanon.

www.southernmlc.com
Lebanon Publishing How to Guide 2014 13

8 Tips for
1. Study up Find out about license and insurance requirements for contractors in your state. And before you call a contractor, know the model of your current system and its maintenance history. Also make note of any uncomfortable rooms. This will help potential contractors better understand your heating needs. 2. Ask for referrals Ask friends, neighbors, and co-workers for contractor referrals. You can also contact local trade organizations for names of members in your area. 3. Call references Ask contractors for customer references and call them. Ask about the contractors installation or service performance, and if the job was completed on time and within budget. 4. Find special offers A heating and cooling system is one of the largest purchases youll make as a homeowner. Keep your costs down by checking around for available rebates on energy-efficient ENERGY STAR qualified heating and cooling equipment. Begin your search at www.energystar.gov. 5. Look for ENERGY STAR ENERGY STAR qualified products meet

Hiring A HeAting And Cooling ContrActor

strict energy efficiency guidelines set by the U.S. Environmental Protection Agency and offer significant long-term energy savings. Contractors should be able to show you calculations of savings for ENERGY STAR heating and cooling equipment. 6. Expect a home evaluation The contractor should spend significant time inspecting your current system and home to assess your needs. A bigger system isnt always better; a contractor should size the heating and cooling system based on the size of your house, level of insulation, and windows. A good contractor will inspect your duct system (if applicable) for air leaks and insulation and measure airflow to make sure it meets manufacturers specifications. 7. Get written, itemized estimates When comparing contractors proposals (bids), be sure to compare cost, energy efficiency and warranties. A lowest price may not be the best deal if its not the most efficient because your energy costs will be higher. 8. Get it in ink Sign a written proposal with a contractor before work gets started. Itll protect you by specifying project costs, model numbers, job schedule and warranty information.

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14 Lebanon Publishing How to Guide 2014

CHOOSE A CHECKING ACCOUNT

These days, your choice in a checking account doesnt have to be driven by the lowest monthly fees, your ability to maintain an account balance that will avoid penalties, or the fear of hidden charges on your statement. Instead, at the right bank, you can base your decision on factors like which features you really need, and even rewards that you can really use. Step one, of course, is finding a bank with the selection of deposit accounts that will give you these capabilities. Free accounts arent available everywhere, let alone a free account with rewards, and if you want to choose from multiple free reward accounts, that narrows the field even more. It also doesnt hurt for the financial institution to provide other things you value, like mobile technology, additional financial services, personal care and community involvement. Next, your specific checking needs come into play. Can you get to your funds easily when you need them? Do you like receiving your statements in an electronic format? Do you use your debit card frequently? What balance do you typically keep in your account? Finally, its time to consider extras that can round out your checking experience. Maybe it would be helpful to have some of your funds routed directly to savings. Or maybe youd enjoy travel-related perks, or free music downloads. Fortunately, theres an easy way to start the quest for your ideal checking account. And if you get that part right, the other steps can fall right into place with the help of a friendly banker whos willing to get to know you and your financial needs. Wilson Bank & Trust represents a rare combination of big-time banking options, tremendous stability, independent ownership and hometown charm. With variety of deposit account options, WB&T is certain to have a checking account that fits your situation. In fact, its the only local institution that offers Kasasa, a suite of free checking products with rewards, which is available only at select community banks. The three Kasasa checking products at WB&T come with no monthly fees, plus the ability to earn rewards like a high rate of interest (Kasasa Cash), cash back on check card purchases (Kasasa Cash Back) or music downloads (Kasasa Tunes). A new account representative at your nearest office can help you decide which is most beneficial for you based on your account level and your interests. Qualifying for rewards is simple it just involves the use of electronic services, like e-statements and online banking, that youre probably accustomed to already. And anytime you dont qualify, there are no penalties to worry about, you can still earn a modest interest rate depending on which account you choose, and you can go right back to qualifying during your next statement period. The accounts also come with nationwide refunds of service charges for non-WBT ATMs. Whats more, when you choose an account with cash rewards, you can tie your checking account to Kasasa Saver and automatically save the rewards you earn during each cycle. In addition to Kasasa, Wilson Bank & Trust offers checking accounts, including Campus Checking and Solid Gold Checking, that are tailor made for certain customers like college students or adults over 50. These accounts provide special features designed for those specific customers, making it easy to bank on campus or enjoy discounted group travel. If you just prefer regular, old-school banking and arent concerned with online or mobile services, WB&T can help there too, with a few different choices for basic checking accounts. For the most options in checking, and great service besides, visit Wilson Bank & Trust at any of 24 full-service Middle Tennessee offices or online at wilsonbank.com. Youll find that constant fees and mystery charges dont have to be part of your banking experience, no matter how or where you prefer to manage your funds.

Free checking with rewards you can really use make Kasasa accounts an ideal option for many customers. Kasasa is available locally only at Wilson Bank & Trust, and its arrival last year was celebrated with a number of special promotions involving bank employees.

Lebanon Publishing How to Guide 2014 15

of r e w e h o t P Feel
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*APY=Annual Percentage Yield. APYs accurate as of 10/21/2013. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.50%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 2.50% -0.45% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa APYs. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Lebanon Publishing How to Cash Guide 2014