Some business practices may seem like a time-saver or money-saver on the surface.

But if you take the time to request a realistic estimate, financing options, operating cost and savings estimates, you're sure to come out ahead.

Some tips that may increase your chances of receiving quality work and services are:

• Avoid any company that offers to give you an estimate without providing an on-site inspection of equipment. It may be a sign that the company isn't interested in providing good service - just getting in and out with your money.
• A qualified contractor will survey and provide a heat-load calculation for your home. Many existing furnaces aren't sized properly, and better contractors provide equipment to meet your home's load requirements precisely and efficiently.
• A good company will provide a written proposal that clearly outlines the work to be done and the agreed-on price. This will save you money and headaches in the future.
• A reliable contractor will provide more than one furnace choice and annual operating cost estimates for each option. Know the costs, quality and savings potential of the furnace and/or accessories you're buying.
• A contractor should ask about heating and cooling problems experienced with your old equipment, then offer understandable solutions. This can help you avoid future problems.
• A solid company will usually have a financing plan available.
• Most reliable contractors offer extended service agreements that include maintenance inspections. This is your insurance for the unexpected.
• A well-trained, up-to-date contractor won't try to discourage you from purchasing high-efficiency equipment. If he does, get a second opinion.
• A good contractor is professional. Employees should be prompt, courteous, neat, well groomed and be willing to offer identification.
• A reputable contractor should have an office facility. You should be welcome to visit it. After all, a company's facilities and equipment reflect the way employees work. Plus, an established office means the company is more likely to stay in business longer than your warranty.
• If the contractor has a history of business problems or customer complaints, consider your other options. More than a few disgruntled clients could spell trouble.
• Qualified contractors recognize the importance of employee training. Untrained employees mean installation headaches and a system that might not meet your energy needs.