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Three Tips to Deliver a Strong Insurance Pitch

Three Tips to Deliver a Strong Insurance Pitch

Insurance sales can be challenging. It requires a balance of friendly tactics blended with your promotional. All too often, sales-driven rhetoric seems overbearing to clients. On the other hand, being too friendly can drive people away as well. To avoid either of these situations, it is a good idea to rehearse the insurance sales pitch tips below. This three-step process is a foolproof way to offer a stronger proposal to your clients. Feel free to tweak and customize the steps to benefit your individual needs.

Your Role
The first step is to define your role, being clear about your expectations, limitations, and goals in a clear, concise manner. Try to explain what you do – or can accomplish – in one or two sentences. Figure out the fundamental things every client will need to know and feel before doing business with you. Outline your services, results, and emotions without oversharing. Entice your clients and leave just enough questions to pique their curiosity, so they will have to refer to you for more information.

The Solution
Insurance is all about an answer or solution to a problem. A crucial aspect of your pitch is to demonstrate your knowledge and ability to formulate solutions. Keeping your audience engaged is a critical factor in separating yourself from other insurance agents. One idea is to consider your client’s biggest problem and offer an answer with an added benefit. Offering a resolution provides proof that you can – and have – delivered on your promises. Ousting their doubts and proving you have what it takes makes all the difference.

Action
Persuade clients to take action by putting the ball in their court. Use urgency and action-oriented verbs to appear confident, empowering your client to move forward with you. Avoid falling flat at the end of your pitch, and be as upfront as possible. Frame it in a way where the client simply cannot say no or refuse. It’s important not to rush or ramble, so take your time and speak clearly.

For Medicare insurance strategies or to speak with a customer representative who can help you offer insurance to your clients, contact the experts at Omega Benefit Strategies today.

Omega Benefit Strategies provides senior credit union members an educational resource for Medicare. Our turnkey marketing package seamlessly integrates with existing market strategies. We can help businesses increase new member acquisitions, bolster retention, cross-sell opportunities via our “scorecard” system, and even earn an ancillary revenue stream. Accommodating any size membership, we maintain exemplary member service and offer top-notch products. Contact us today by going to http://www.omegabenefit.org or call 888-404-5049.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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Four Common Types of Hand Tumors

Tumors within the hand can be many different shapes and sizes. Technically, tumors can be cancerous, but most are benign. Common hand and wrist tumors are both above and below the skin.

Warts
These extremely common bumps are non-cancerous and spread due to the human papillomavirus (HPV) easily. Warts are mostly harmless but can be embarrassing, rough or dry, and itchy. Many wart-removal procedures exist, and it is possible to remove them at home effectively. Pumice stones, over-the-counter freezing kits, or certain chemicals are all viable options.

Ganglion Cysts
Some of the most common tumors in the hand, ganglion cysts, can fluctuate in size and appearance. They might be soft or firm, appearing on the wrist or base of a finger. Sometimes these cysts can appear to be smaller than a pea. The cause of these tumors is unknown, and they might be painful. Treatment options include aspiration or surgical removal.

Giant Cell Tumors
The second most common tumors are usually solid and not filled with liquid. Over time, they may slowly grow larger. These tumors are not cancerous.

Epidermal Inclusion
Also benign, these tumors can form where a cut or puncture previously occurred. A soft, waxy material called keratin is what makes up most of the tumor.

One condition that is commonly mistaken for a tumor is Dupuytren’s contracture. This condition causes firm pits, bumps, and cords in the palm, making it difficult to flatten completely. However, it is not technically a tumor.

A specialist should examine hand or wrist tumors to ensure they are benign. Hand surgeons can help devise treatment options through x-rays or bone scans. While sometimes the best option is to leave it alone, other times surgery might be required. There are also many non-surgical options.  

To make an appointment with a hand and wrist specialist to examine a tumor or growth, contact the Michigan Hand & Wrist experts today.

Michigan Hand & Wrist was founded in 2001 with the mission to provide the highest-quality care for patients seeking surgical or non-surgical hand or upper extremity relief. Our goal is to exhaust all non-operative measures before discussing or moving on to surgical interventions. We offer on-site physical therapy from therapists committed to improving your quality of life. Our individualized treatments are modern, progressive, and exceptional. Contact us today at www.michiganhandandwrist.com or call 248-596-0412.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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Six Tips to Keep Your Kitchen’s Stainless Steel Pristine

Stainless steel looks beautiful but can be tricky to maintain. Check out these six tips below to keep your stainless steel looking like new.

  1. Control knobs: Many people inadvertently forget about hidden grime underneath or behind these. Some knobs require you to pull up gently, releasing the knob from the surface. Cleaning around the knobs creates buildup over time, which can become stuck-on and challenging to remove.
  2. Handles: Since these are used most frequently, they should be wiped weekly. Microfiber cloths are the best type of material to clean handles, as they remove dust without leaving streaks or smears. They also eliminate the need for harsh chemicals in your environment.
  3. Oxidization: Pumice powder mixed with water is a great way to fight stainless steel oxidization. Mix the water and powder to create a paste, apply within the steel grain, and then rinse with warm water. Generally, after an application, cloths are black with soot.
  4. Countertops: Designed to hold up to rough and constant wear and tear, stainless steel is a popular choice of professionals. Avoid using abrasive cleansers; instead, use a drop of dish soap and warm water to keep your counters clean and scratch-free.
  5. Hoods: To prevent a buildup of grease and dust, stainless steel hoods should be cleaned weekly. Cooking grease and dust mix together in the air, land on the hood, becoming difficult to remove. To remove this thick, dusty grease, spray a cloth with rubbing alcohol and wipe over the hood. Do not under any circumstances use rubbing alcohol near an open flame, as it is extremely flammable. 
  6. Burns: These marks can be irritating and difficult to remove from your stove. If you have marks that refuse to wipe away, try this simple recipe:

1 cup baking soda

¼ cup lemon juice

3 tablespoons Borax

Club soda (to rinse)

Combine the baking soda, lemon juice, and Borax to make a paste. Use a soft cloth to apply the paste to the entire stained area. Ensure to rub in the same grain direction as the stainless steel. Use the club soda to rinse off, and then wipe dry with a microfiber cloth.

To update any of your kitchen or bath appliances to stainless steel or to get professional recommendations on a remodel, contact the experts at JFC Remodeling today.

JFC Remodeling is committed to providing top-quality home reconstruction services to clients throughout Livingston County. With over 30 years of experience in the industry, our licensed contractors create unique, individualized, and polished renovations. Whether the site requires an improvement, repair, or is a new construction, you can trust our experts to deliver remarkable results. Call: 810-923-1123, e-mail: jfcllc@comcast.net, or visit us at: www.jfcremodeling.com today.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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How LED Bulbs are Electrifying the Lamp Industry

The U.S. Department of Energy (DOE) estimates an average of 40 lamp sockets in each of the nation’s 128 million homes, equaling more than five billion lamps across the country. Incandescent light bulbs have a life of less than a year; consumers replacing them have ensured GE, Philips, and Sylvania’s constant stability.

Incandescent and fluorescent bulbs had a historical past similar to the transformation LEDs are going through now. A filament made from bamboo was mass-produced in lamps after a cotton thread was used in prototypes. At the turn of the last century, tungsten filaments were introduced to boost lifespan and light output. Fluorescent tubes were presented in the late 1930s and became a leading technology for commercial and industrial spaces. They were also used as a means of efficient lighting for U.S. war production plants.

Additional improvements took place through the following decades, including halogen, metal halide, and compact fluorescent lamps. The market remained stale until the introduction of LED lights in 2008. Many customers used LED to reduce electricity use, which lowered bills and greenhouse gas emissions significantly. During the Great Recession, hundreds of millions of dollars were dumped into LED research and market development.

In 2021, LED bulbs are still the standard for energy-efficient homes. A 10-watt (W) LED bulb produces an equal amount of light as a 60W incandescent lamp. Due to their extraordinary lifespan, LED lamps are known to last a decade or more. Since these LEDs don’t need the constant replacement that incandescent bulbs do, GE, Philips, and Sylvania have all sold off their lamp-making businesses over the past four years.

The first product series to popularize the advanced capabilities offered by digitally-controlled lighting was created by Signify’s Philips Hue. An assortment of lamps are controllable by app or voice assistant, with customizable white and color-changing capabilities. A number of customers are familiar with the “Hue” brand, as it has had a successful run thus far.

GE also has a color-customizable bulb and tunable white light setting, allowing customers to shift a room’s vibe in one tap. Sylvania is sold through Ledvance, which also offers four-packs of color-shifting bulbs.

A large percentage of the country’s five-billion residential lamp sockets are still incandescent, so some consumers could undoubtedly be pushed to upgrade their existing lamps to receive added technological features. Philips plans on launching a bulb early this year that is capable of Wi-Fi and software updates through apps.

J&P Electrical is a full-service electrical equipment company. At J&P, we supply contractors, end-users, and supply houses with new surplus, quality reconditioned, and obsolete electrical equipment. We also purchase a wide range of electrical equipment such as bus plugs, ducts, panel switches, substations, and transformers. Call us at 877-844-5514 or visit us at https://www.jpelectricalcompany.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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Computer Scientists Say Super-Intelligent Machines Could Be Uncontrollable

Theoretically, it is impossible for humans to control a super-intelligent Artificial Intelligence (AI) machine. It is also nearly impossible to detect when such an AI is created.

In 2015, Google developed AI software that was able to play – and regularly win – classic arcade games. Their findings were detailed in the journal Nature. In 2018, a study published in Science outlined how AI can regularly master chess, shogi (Japanese version of chess), and Go (ancient Chinese strategy game) through self-play. Smartphone apps can easily beat world chess champions such as Magnus Carlsen.

The Three Laws of Robotics are:

  1. A robot may not injure a human being or, through inaction, allow a human being to come to harm.
  2. A robot must obey the orders given it by human beings except where such orders would conflict with the First Law.
  3. A robot must protect its own existence as long as such protection does not conflict with the First or Second Laws.

Additionally, the “Zeroth Law” states that a robot may not harm humanity, or by inaction, allow humanity to come to harm.

Researchers from Tufts University’s Human-Robot Interaction Lab are trying to develop mechanisms for robots to reject orders received from humans, as long as they have a legitimate reason to do so.

Now, researchers are warning that any program written to stop AI from harming humans (and destroying the world while they’re at it) might conclude to halt or not. Mathematically, it is impossible for us to be absolutely sure which route the AI will take.

An alternative would be to teach the AI “ethics” of sorts and order it to not destroy the world. Researchers say this limits the super-intelligence capabilities and would force the AI to be cut off from parts of the internet or specific networks. Moreover, this defeats the purpose of creating AI in the first place: If the AI isn’t going to be used to solve problems beyond a human scope, then why exist in the first place?

As AI research expands, we might not recognize when the super-intelligence beyond human control forms. It would be incomprehensible, thus, uncontrollable.  

Read the full article in the Journal of Artificial Intelligence Research to learn more. Check out a full paper that outlines how humans are developing mechanisms to allow AI to reject any given orders.

Founded in 1994, Creative Programs and Systems provides professional results for all computer needs. We design, create, and code an array of custom software programs and websites; implement internet marketing strategies for enhanced Search Engine Optimization (SEO) results; repair and provide support for computers of both residential and professional nature; build custom systems and servers, and offer secure data backups. Need assistance or want to learn more? Call us at 810-224-5252 or e-mail info@cpsmi.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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New Imaging Can Measure Cell Dysfunction in ALS Patients

More effective therapies could potentially be introduced thanks to a new magnetic resonance spectroscopy technique that can accurately measure how well the mitochondria are functioning in patients with Amyotrophic Lateral Sclerosis (ALS.) This non-invasive procedure may help measure the efficacy of treatments for ALS (also known as Motor Neuron Disease [MND]) patients.

Scientists from Sheffield Institute for Translational Neuroscience (SITraN) from the University of Sheffield in the United Kingdom tested how the 31-phosphorus magnetic resonance spectroscopy performed, publishing their findings in the January 13 issue of Brain.

Lead study author Dr. Matilde Sassani, a neurodegeneration researcher at Sheffield, said, “In this study, we found that phosphocreatine levels were depleted in the brain compared to healthy controls and, in this muscle, we found that inorganic phosphates were elevated in patients with MND. Both of these findings are consistent with mitochondrial dysfunction occurring in these people living with MND.”

People with ALS suffer from impaired mitochondrial function, so having a technique that can effectively and accurately measure mitochondrial activity could be critical to treatment.

In the study, the imaging technique was used to measure a chemical involved in the cell’s energy metabolism. ALS patients were compared to healthy age and gender-matched controls. The procedure resembles an MRI; the process allows investigators to capture a direct measurement of chemicals. This snapshot gives them the appropriate data needed to calculate a comprehensive view of a patient with MND.

Senior author Dr. Thomas Jenkins, a clinical senior lecturer at SITraN, said the newfound technique could pave the way for more effective MND treatments and potentially measure how effective medications are.

Jenkins said, “Treatments that aim to rescue mitochondrial function in MND are being investigated in labs around the world. This non-invasive tool can demonstrate whether medications in development are successfully targeting mitochondria, which is an important step in selecting treatments to take through clinical trials.”

Patients with other forms of neurodegenerative diseases might also benefit from this technique, though further research is needed.

To read additional information, refer to the article in the latest issue of Brain, a Journal of Neurology.

Acceletronics is an industry leader in delivering the best equipment performance and service reliability from CT Scanners and Linear Accelerators across all major brands and models. Call 610-524-3300 or visit our website: https://www.acceletronics.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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Five Movies to Get Your Prepping and Survivalist Instincts in Gear

Survival movies can be gripping, heart-racing, suspenseful, and somewhat unrealistic. Nevertheless, Hollywood does offer a small window into survivalism and prepping. If even just for the fun of it, check out these movies and who knows, maybe you will get some tips or ideas for your own prepping needs.

127 Hours
Based on a true story, James Franco plays Aron Ralson, who goes out for a solo day hike in the Utah canyons. The premise focuses on his fight for survival after getting into an accident that traps him against a boulder.

Cast Away
This classic film from 2000 is well-loved and features Tom Hanks who plays Chuck Noland, a FedEx employee who is stranded on a deserted island after a plane crash. Real-life survival skills are utilized to help him get through the harrowing incident.

Contagion
Eerily mirroring the events related to COVID-19 (disease spreads from a bat in China then spreads rapidly), it stars Matt Damon, Gwyneth Paltrow, Jude Law, Kate Winslet, and Steven Soderbergh. Food shortages, looting, government missteps, and worldwide circumstances we’re all-too-familiar with after 2020.

I Am Legend
Will Smith plays Robert Neville, who learns how to live in a post-apocalyptic world full of zombies with his trusty dog Sam by his side. New York is in pure disarray after a cure for cancer kills 90 percent of the population. Only one percent of humans survive, and the other nine percent turn into zombies.  

The Road
An ailing father played by Viggo Mortensen defends his son as they slowly travel to the sea while finding food, shelter, and avoiding the last remaining humans in a post-apocalyptic world.

After you binge these prepper and survivalist movies, check out the massive stock at Wolf Survival Gear to obtain all of the tools, gear, and supplies you’ll ever need in case disaster strikes.

Wolf Survival Gear is a hub for all of your prepping and survival needs. We are a trusted resource for concerned families, avid hunters, or serious preppers. Make us your one-stop-shop and prepare now, before you’ll need it later. Visit our website or e-mail us today for more information.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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Common Questions and Answers about Lasik Surgery

Lasik (an acronym for laser in situ keratomileusis) surgery is a common household name regarding vision improvement. Approved by the Federal Department of Agriculture (FDA) roughly 20 years ago, it is not for everyone, nor does it fix every vision problem. More than 19 million Lasik procedures have been performed in the United States, and more than 45 FDA approvals have been implemented. Read on to discover some typical questions and answers associated with the surgery.

What is the basic premise of Lasik surgery? Lasik is a two-step procedure. In the first step, a micro-thin circular flap is made on the eye’s surface, known as the cornea. After the few-second process, the surgeon gently lifts the flap to expose where the vision correction treatment will happen. In the second step, a computer-glided excimer laser permanently removes the microscopic pieces of tissue causing vision problems. The flap is laid back in place and protects the reshaped cornea until it heals.

What about the lasers? Lasik does involve the use of precise lasers, which are incredibly important due to the intricate area affected. Lasers can be used safely without damaging the surrounding tissues.

Is it painful? Thanks to numbing and lubricating drops, Lasik surgery is basically painless. Patients sometimes feel pressure from the eyelid holder, used to prevent blinking. Some mild discomfort can result after surgery, which will last roughly five hours.

Are you awake? Yes, people who undergo Lasik are given a sedative to keep them calm. Moreover, if your eyes move, the laser automatically tracks it, shutting off in case of a sneeze or sudden movement.

Is the procedure safe? Lasik is an elective procedure, with more than 7,000 clinical studies conducted and published to support its safety and effectiveness. One of the highest scores out of any elective procedure, Lasik rates at a stunning 96 percent patient satisfaction. One reason for the high satisfaction is due to the fact that many patients have better vision after Lasik than they did with their best glasses before surgery. With more than 40 million procedures performed worldwide, blindness has never resulted in healthy candidates.

What are the side effects? During the healing period, the patient’s eyes might feel dry, light-sensitive, or irritated. Night vision issues such as glare, halos, ghosting, starbursts, and dry eye might occur. These issues typically resolve themselves, and some people might require additional eye drops to reduce inflammation or dry eyes. Less than five percent of the time, in rare cases, further treatment might be necessary to readdress residual vision problems.

For more information regarding Lasik surgery or to schedule an appointment, contact Rohr Eye & Laser Center today.

Rohr Eye & Laser Center offers the most advanced technology available to provide personalized and extraordinary care to our patients. Whether your goal is to maintain or improve your natural vision, we are here to help you. Call us at 877-579-0202 or visit https://www.michiganlasik.com/ to schedule an appointment today.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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New Water Flow Regulations Proposed in the U.S. for Showerheads, Dishwashers, & Washing Machines

Regulations on water usage have been implemented for decades due to droughts and energy efficiency (using fewer fossil fuels) in an effort to lower overall consumer costs. Higher usage drives prices up, which in turn causes non-renewable resources to diminish through time.

Since 1992, federal law has stipulated the amount of water pouring out of showerheads in one minute should be no more than 2.5 gallons. In 2013, newer shower fittings with multiple nozzles caused the Obama administration to define the restrictions and apply the 2.5-gallon rule to the entire fixture. Therefore, if a showerhead is comprised of four nozzles, no more than 2.5 gallons (total) should exit the nozzles within one minute.  

A new proposal enacted by the Trump administration would allow each nozzle to spray as much as 2.5 gallons, which could amount to five gallons of total water being spewed out per minute if two showerhead nozzles are installed. Multiply that by four or five, and showerheads could be pushing out 10 to 15 gallons per minute, costing consumers hundreds of dollars in usage bills.

The 28-year-old law was partially implemented due to the megadrought the western states have been experiencing for two decades. University of Michigan environmentalist Dean Jonathan Overpeck said, “[It is] the first observed multidecadal megadrought in recorded U.S. history.”

Additionally, the Trump administration has advanced easier dishwasher regulations that exempt fast-cleaning machines from decades-old rules. The Department of Energy created a separate product class for dishwashers with a short cycle, classifying them as the “normal” cycle, with no limit on energy or water use.

Over the past three decades, dishwasher water and energy use have declined by more than 50 percent due to federal standards and manufacturer innovations. The first energy-efficient standard for dishwashers was set in 1987 by Congress. It was updated three times since then, most recently in 2012 by the Department of Energy.

A third proposal by the U.S. Department of Energy would allow new clothes washers and dryers to waste unlimited amounts of water and energy. The current efficiency standards for washing machines were set in 2012 and save consumers roughly $365 over an appliance’s lifetime, with utility bills and purchase costs factored in.

The Department of Energy is prevented by federal law from weakening the efficiency standards. Still, the proposed new rule would dodge that regulation by creating a separate “product class” for machines using a short cycle, and renaming it their “normal” cycle, much like the proposal for dishwashers. No energy efficiency or water use standard would be implemented at first, as these developments take years. Many new washing machines come with a short cycle option.

The American Council for an Energy- Efficient Economy (ACEEE) reported that an analysis of performance, features, and price efficiency has improved since the standards were implemented. Simultaneously, product prices have decreased, meaning a better overall return on investment with these machines.

Clean water is vital for showering, laundry, and washing dishes. Ensure your water is chemical and rust-free with a consultation from the experts at Reynolds Water Conditioning.

Reynolds Water Conditioning was established in 1931 and is Michigan’s oldest water conditioning treatment company. Still owned and operated by the Reynolds family, we take pride in providing the highest quality products at a cost-effective price. If your tap water lacks the quality you deserve, contact us today at www.reynoldswater.com or call 800-572-9575.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

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Winter Pool Maintenance

Maintaining your pool during the winter is important so that you may gain the full enjoyment of its pleasures during the peak-season. Taking care of your pool throughout the off-season will not only save you money but prevents any damage due to freezing temperatures or contaminated water. Preserve your investment and protect your swimming pool from winter damage. After properly winterizing your pool, make these steps part of your routine to keep it in tip-top shape.

Pool covers are necessary to protect them from snow, debris, insects, and animals. To keep your pool cover in working order:

  • Ensure your cover is securely attached and insulated: inflate the air pillow, tighten the cable, secure cover clips, make sure water blocks/bags are secured, etc.
  • Remove debris and water from the pool cover. Plant debris, leaves, and twigs can be removed with a hose. Use a vacuum to remove any excess water.
  • Be sure to remove snow using rakes to pull or push snow off of the pool cover. Any extra weight can cause damage, especially to above-ground pools. The best option is to remove snow while it’s still fresh and hasn’t frozen to the cover.

Pool parts are quickly forgotten as they are tucked out of sight in the off-season. All parts need periodic maintenance to keep them running efficiently, no matter the geographical location. To keep your pool parts like new:

  • Check your pool pump, filter, and heater periodically to verify they are in proper working order. These parts can be expensive down the road, so it’s best to catch any issues early before they get worse.
  • Ensure all excess water has been removed while analyzing your pool parts. Freezing water can expand in pipes, causing significant cracks and problems.

Winter pool chemistry is key to a clean swimming pool, as many people do not entirely drain them for the winter season. Balanced water prevents algae, bacteria, waterlines, and decontamination. It is worth balancing your pool chemistry during the winter months, helping make the opening process much more efficient. Potential health risks can be avoided by keeping a clean and decontaminated pool.

To properly maintain your pool water:

  • When not in use, check your pool chemistry every two months. Algae and bacterial growth can occur if the pool water is not balanced.
  • All pool chemicals from the previous season should be discarded, as they lose their potency.
  • Enzyme products help break down non-living contaminates and prevent water rings from forming. When you open your pool in the spring, you won’t need to scrub your pool tile or finish.

Freeze alerts are essential to pay attention to, as leaks in pool liners or cracked pipes can be invisible during the winter months but become obvious in the spring. To save you from any potential damage:

  • Consider purchasing a digital thermometer sensor to notify you of dangerous temperatures.
  • Set weather alerts on your phone to be ready for the next freeze.

Taking the initiative and protecting your pool during the winter can save you time and money in the spring. For assistance with winter pool maintenance, contact the experts at Pound Pool Plastering today.

Pound Pool Plastering offers free estimates and complete pool renovations. Dale Pound, owner, personally oversees each pool project to ensure the highest quality is delivered. We offer Diamond Brite, Sunstone, Hydrazzo, Marcite, Pebble finishes, Bead Crete, tile choices, coping stones, etc. We are pool renovation experts – contact us today at 248-476-4544 or poundpool@sbcglobal.net.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.