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Show Supplement to the Sun Chronicle, Courier, and Beacon April 20. 1 977 Page 15 First Things First: Finding Your Contractor Unless you're a one of the first problems you'll have to deal with when you start votii home improvement protect is iinding a contractor. dependable i he grapcv me is v our best sk source of information for recommenInends your dations Check with bank mortgage ofticeis, building inspectors, aichitects and building supply dealeis. sk the Better Business Bureau about the reputations of the contractois you select Request estimates from several contractois. Compare the estimates and make vour tinal selection, keeping in mind the quality ot the material and the inteiest of the contractor as well as the cost of the work. The estimate should include a breakdown of the cost of materials and labor, sales tax. material delivery charges and profit. Ask about a warranty and know what it covers. Most will oiler a r minimum guarantee on their work. reliable-contractor- s one-yea- Your contract should cover routine information like the date, the parties and watnesses involved and their signatures, the total fee and schedule material of payments, a of the specifications, complete description job, the commencement date and approximate completion date. How do you get the most for your savings dollars? You have to look around. Because when you sum In addition, a good contract should contain: a provision that the contractors job will meet building codes and zoning laws; a clause that allows changes during the project, with extra costs approved by both parties; an automatic arbitration clause (in case costs greatly exceed the estimate); a provision that the contractor will carry some financial institutions pay higher rates than others. You dont get the highest rates at any bank. At any savings and loan. Or at any credit union. You get the highest interest on protected savings at FMA Thrift. And, after all, getting the most for your it all up, money is what saving is all about. MAXIMUM RATES adequate insurance, will clean up thoroughly afterward, will provide a surety bond (to guarantee project completion) and a laborand materials bond (so you wont get sued for any bills Top dollar for your dollars. Thats why everyone should have some money in FMA Thrift he fails to pay!) Make Room for Dad OiM U'JV-- If you decide on a room for Dad, be sure and keep the furnishings appropriately masculine. Tweeds and plaids in earthy tones are good for upholstery fabrics, while paneled walls, rugged carpet textures and leather accents help to create an D FMA Thrift & Loan Everyone should have some money in FMA Thrift. Savings protected to $10,000 by Industrial Loan Guaranty Corporation of Utah. Salt Lake City: 2060 East 2100 South, 84109, Telephone . Provo: 206 N. University Ave., 84601, Telephone 377-4185- Ogden: 2486 Washington Blvd , 84401, Telephone 621 All offices open weekdays 9 am to 5:30 pm. Free parking. 487-547- 700 atmosphere hell fortable in. feel com- |