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6 | August 30, 2018 | 22nd century media home improvement 22ndCenturyMedia.com Save on yard updates and enjoy the dream patio this fall Children back to school? Yes. Weather transitioning into fall? Yes. Done with outdoor living for the year? No! There is still time for yard updates and patio installations. In fact, in-stock brick pavers and retaining wall blocks are on sale for AreA Landscape Supply’s two-day Labor Day sale Friday and Saturday, Aug. 31 and Sept. 1! You can find the south suburbs’ largest selection of in-stock Unilock products at AreA Landscape Supply. AreA has been recognized as an authorized dealer by Unilock since 1996, and has received the highest dealer honor since 2000. Stop by to see the selection of Unilock’s high quality paver products. The Outdoor Idea Center at AreA Landscape Supply includes full-size patio displays with seat walls, fire pits, fireplaces and more! Visit inside to see gas logs, fire glass color selections, mesh screens and other accessories. Homeowners attempting outdoor projects can call or stop into AreA with their questions. The experienced sales staff can help estimate material needed, recommend the best product and even give a checklist of steps to follow for installation. The staff can even recommend a suitable landscaper or contractor to complete your project successfully. Ask about available financing options. Other fall yard updates to consider 1. Seed. Now is the time to address bare spots around your lawn. Temperatures are cooling to a more adequate level for grass-growing and tend to stay pretty consistent in the fall. Plus, throughout the winter months, grass roots will continue to develop. It could take three to five weeks for desired results. At AreA Landscape Supply, you can choose from four seed combination varieties for the perfect match. 2. Fertilize. Aim for your fertilizer application during the second half of September. This will deposit a dose of “vitamins” into the soil. Once there, the grass will soak up the nutrients at a slow, but steady pace during the winter. The result? Your lawn will be greener, faster in spring 2019! AreA’s fertilizer choices include: all purpose, seed starter, four-step program, etc. 3. Mulch. Premium Hardwood mulch has benefits all year round, but during the winter months, it acts as an insulator. Keep your plants warm during cold and snowy months with a blanket of mulch. A three-inch thickness is ideal. Mulches are available either bagged, or in bulk by the yard. Ask AreA Landscape Supply about estimated product coverage. AreA has been proudly serving the community since 1996, supplying quality hardscape materials, such as Unilock brick 9 pavers, premium hardwood mulch, retaining wall block, decorative stone, sod and more. Orders can be placed quickly and easily over the phone at (708) 479-8400. Request sameday delivery, or place your order on will-call for a future delivery. You can also stop in, see the selection, and take your in-stock choice home immediately. AreA Landscape Supply is the onestop-shop for all your hardscape needs. Submitted by AreA Landscape Supply, 188th and Wolf Road in Mokena. For detailed product information, sales specials, and more, visit www.AreaLandscapeSupply.com or call (708) 479-8400.
22ndCenturyMedia.com home improvement 22nd century media | August 30, 2018 | 7 Edward Jones offers questions to ask financial advisors You should always be able to ask as many questions as you’d like when working with your financial advisor. So, before you have your annual review, think carefully about what you’d like to ask. Here are a few suggestions: • Are my goals still realistic? When you first began working with your financial advisor, you may well have articulated a number of financial goals. For example, you might have said that you wanted to pay for most of your children’s college educations, or that you wanted to retire at a certain age, or that you wanted to travel for two months each year during your retirement. In fact, you could have many different goals for which you’re saving and investing. When you meet with your financial advisor, you’ll certainly want to ask if you’re still on track to meet these goals. If you are, you can continue with the financial strategies you’ve been following, but if you aren’t, you may need to adjust them. • Am I taking on too much — or too little — risk? The financial markets always fluctuate, and these movements will affect the value of your investment portfolio. If you watch the markets closely every day and track their impact on your investments, you may find yourself fretting considerably over your investments’ value and wondering if you are taking on too much investment risk for your comfort level. Conversely, if you think that during an extended period of market gains your own portfolio appears to be lagging, you might feel that you should be investing more aggressively, which entails greater risk. In any case, it’s important that you know your own risk tolerance and use it as a guideline for making investment choices, so it’s definitely an issue to discuss with your financial advisor. • How will changes in my life affect my investment strategy? Your life is not static. Over time, you may experience any number of major events, such as marriage, children, new jobs and so on. When you meet with your financial advisor, you will want to discuss these types of changes, because they can affect your long-term goals and, consequently, your investment decisions. • How are external forces affecting my investment portfolio? Generally speaking, you will want to create an investment strategy that’s based on your goals, risk tolerance and time horizon. And, as mentioned above, you may need to adjust your strategy based on changes in your life. But, should you also make changes based on outside forces such as interest rate movements, political events, new legislation or news affecting industries in which you have invested substantially? Try not to make long-term investment decisions based on short-term news. Yet, talk with your financial advisor to make sure your investment portfolio is not out of alignment with relevant external factors. By making these and other inquiries, you can help yourself stay informed on your overall investment picture and what moves, if any, you should make to keep advancing toward your goals. A financial advisor is there to provide you with valuable expertise, so take full advantage of it. Submitted by Edward Jones Investments, 20238 S. LaGrange Road in Frankfort. For more information, visit www.edwardjones.com or call (815) 469-6315. Compare Our CD Rates Bank-issued, FDIC-insured 6-month % 2.00APY * Minimum deposit $1000.00 1-year % 2.45APY * Minimum deposit $1000.00 2-year % 2.80APY * Minimum deposit $1000.00 Brett R Schaibley Financial Advisor . 20238 S La Grange Road Frankfort, IL 60423 815-469-6315 *Annual Percentage Yield (APY) effective 8/17/2018. CDs offered by Edward Jones are bank-issued and FDIC-insured up to $250,000 (principal and interest accrued but not yet paid) per depositor, per insured depository institution, for each account ownership category. Please visit www.fdic.gov or contact your financial advisor for additional information. Subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Yields quoted are net of all commissions. CDs require the distribution of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC). Call or visit your local financial advisor today. www.edwardjones.com Member SIPC
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