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How to find the best-value D.C.-area doctors, house cleaners and more

WASHINGTON — When it comes to various services in the D.C. area, how do you know you’re getting the best bang for your buck?

Washington Checkbook Magazine has some tips when it comes to getting the best value for services and products such as health care, tools and tires.

The magazine’s president, Robert Krughoff, spoke with WTOP about some highlights from the magazine’s research on savings.

 

Veterinarians

The magazine evaluated 222 area vets and found big differences in quality and price. For example, to neuter a 6-month-old, 30-pound dog, vets charged between $154 and $830.

The difference in price can mirror the quality of care, but Krughoff says sometimes consumers don’t shop around enough to know a bad price when they see it.

“I think people really tend not to shop very much for the price of vets, so they don’t know better,” he says. “They don’t really realize when they are paying $800 for a service they could have had for $150 or $200.”

You should look for whether the vet takes your finances into consideration and discusses various treatment options with you.  Also, pet owners need a vet who is reachable by phone and available in case of an emergency.

 

Hardware Stores

Many D.C.-area shoppers grapple with whether they should shop at bigger hardware stores or smaller, independent shops. Krughoff says bigger stores may have more savings and more items, but they may not focus on the customers’ needs.

Lowe’s and Home Depot are, on average, 25 percent less expensive than independent hardware stores in the area, the magazine found.

Experienced clerks can be an asset in a hardware store — they can act as consultants and teachers. And some independent stores may have better clerks, the magazine found.

Mayor And Lt. Gov-Elect Newsom Attends A Lowe's Store Grand Opening
Clerks may be better at smaller hardware stores, as opposed to bigger stores, such as Lowe’s. (Getty Images/Justin Sullivan)

“If you go to a good hardware store, you can expect that kind of really good helpful advice; and some of the independents stores actually rated very high in the quality of advice you get — much higher than the quality of advice you get in the Lowe’s and Home Depot,” Krughoff says.

Larger stores may have volume and variety, but some small stores have an impressive selection, too.

“Independent stores — though they don’t have near as much space — have an enormous amount of variety, and actually know how to find it and know where it is, and they can tailor that variety to their neighborhood — things that people in that neighborhood tend to need,” he adds.

There can be big price differences: 50 feet of copper piping can cost between $58 and $150 at area hardware stores.

 

Tires

Checkbook found that one set of Michelin tires — and the installation and rotation that come with them —  can cost anywhere between $934 and $1,360.

The lowest prices locally were found at Walmart, Costco, BJs, Sams Club, NTB and Sears. Dealerships tended to cost the most, Krughoff says.

One alternative to save money is to shop for tires online, he says.

“You can have them shipped to you and you can pay your local repair shop to do the installation,” Krughoff says.

And taking good care of your tires can be a way to save money in the long run, he adds.

 

Pest Control

There is a big difference in the quality of area pest-control companies, Krughoff says. Checkbook evaluated 88 local pest control services.

Independent companies ranked better than some of the bigger-name companies such as Orkin. The independent ones ranked better because customers saw better results based on cost, Krughoff says.

While some charge $150 or less for a single visit, others require customers to sign up for long-term contracts that cost $450 or more.

“Checkbook finds so often there is no relationship between quality and price,” he says. “There are really high-quality firms that will do great work that are among the lowest price firms in the area, so you don’t need to pay more.”

Asking about a company’s strategy and guarantee are important when choosing which company to go with.

 

House cleaners

House cleaner
When it comes to house cleaners, consumers differ on whether to go with a company or individual. (Thinkstock)

Those who want to get their house cleaned may have a hard time deciding whether to go with a company or an individual.

Checkbook surveyed D.C.-area residents and found that most were more likely to be happy with individuals instead of companies — 76 percent gave individuals a superior score, as opposed to the 54 percent who gave companies a superior ranking.

“These people are coming into your home, so if you find a good person, you are more likely to be satisfied,” Krughoff says.

Checkbook also found there can be big price differences. For one three-bedroom, two-bathroom house cleaning, prices ranged between $75 and $185.

The best way to prevent surprises is to call first and get a quote. Then, get the price guarantee in writing.

“When you have a [house cleaner] come to your home, get them to write down what’s going to get done and what the price will be,” he says.

Customers should also evaluate how often they want to get their house cleaned.

“It tends to be substantially cheaper to have someone come once a week or every two weeks, as opposed to one-time cleanings,” he adds.

 

Doctors

Checkbook asked practicing doctors in the area to identify physician specialists they “would consider most desirable for care of a loved one.”

There is a close relationship between the doctors’ ratings and their quality of care, he says.

“Doctors who are recommended by other doctors are much more likely to be board-certified; they are very unlikely to have disciplinary actions against them,” Krughoff says.

Krughoff has some recommendations to make sure patients get the most bang for their buck:

  • Make sure it’s easy to communicate with the doctor.
  • Find a doctor who explains things to you.
  • Be able to get an appointment and see the doctor within a day or two.
  • Have a doctor who can talk about preventative measure with you.

Follow @WTOP on Twitter and WTOP on Facebook.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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