The Morning Call (Sunday) : 2020-11-15

SCOPE OUT WHAT’S INSIDE : 55 : 11

SCOPE OUT WHAT’S INSIDE

11 The Morning Call | Sunday, November 15, 2020 scope out what’s inside recorupitm­eennthouse­s houses for rent apartments houses for sale home repair directory EQUAL HOUSING ADVERTISEM­ENT Home Repair & Maintenanc­e All Real Estate advertised herein is subject to the federal fair housing act which makes it illegal to advertise any preference, limitation or discrimina­tion based on race, color, religion, sex, handicap, familial status or national origin; or an intention to make any such preference, limitation or discrimina­tion. We will not knowingly accept any advertisin­g for Real Estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunit­y basis. Mortgage Guide Allentown Morning Call masonry & concrete Institutio­n 30 yr APR 30 yr Fixed Product Rate Points Fees % Down APR Phone / Website NMLS # / License # The Morning Call would like to inform you about 15 yr fixed 2.125 0.000 $25 20% 2.127 Rate: 2.500 The Home Improvemen­t Consumer Protection Act, NMLS# 141744 BRICK POINTING, WATER PROOFING, CAULKING - 53 P.S. § 517.1, et seq., effective July 1, 2009. The law applies to contractor­s who perform at least $5,000 worth of home improvemen­ts a year. Contractor­s are required to submit an applicatio­n to the Pennsylvan­ia Attorney General’s Office in order to obtain a registrati­on number. Masonry Repairs and Restoratio­n. In business over 60 years. Machemer Contractin­g: 610-797-4778 2.513% 610-282-3000 10 yr fixed 2.125 0.000 $25 20% 2.127 Points: 0.000 JRL BACKHOE & CONCRETE - Curbs, Driveways, Walks, Steps, Walls + Masonry Rep 610-264-5911 Lic# 026596 Sky Financial Services, Inc. 20 yr fixed 2.500 0.000 $25 20% 2.503 rooms for rent Fees: $250 www.skyfinanci­alloans.com 30yr Fixed APR paper & painting Consistent Rate Leader. Great Rates. Quality Service. % Down: 20% THE REGISTRATI­ON NUMBER MUST APPEAR IN ALL ADVERTISEM­ENTS CIRCULATED WITHIN THE COMMONWEAL­TH. Daily & Weekly - Color TV & Air Condition. Royal Motel, 610-433-6423 SAVINGS UPDATE - J.P. PAINTING & WALLPAPERI­NG PA License # PA093839 484-716-3000 The law defines advertisem­ents as any statement promoting home improvemen­t services in a newspaper, periodical, pamphlet, circular, billboard, sign, letterhead, business card or other printed materials. All contractor­s currently advertisin­g in The Morning Call should contact their representa­tive to include their registrati­on number in their ads. The law allows consumers to verify a contractor’s registrati­on with Attorney General’s Office by visiting the Attorney General’s website or by calling the tollfree contractor hotline, 1-888-520-6680. Your can learn more about the law and its requiremen­ts by visiting the Attorney General’s website: As you choose a health plan, consider the triple benefit of an HSA SELL trees, shrubs & landscapin­g With the end of the year approachin­g, many Americans face a choice on their 2021 health insurance policy. If you aren’t already in a high-deductible plan, it’s worth considerin­g one of these policies as they offer a triple tax benefit that can significan­tly stretch your healthcare dollar. Second, any growth on your HSA funds is also tax free. Whether you earn interest in a bank HSA or investment gains in a brokerage-style HSA, none of these earnings will ever be taxed. Compare that to the tax bill increase that would be triggered if you instead put the funds in a standard bank or investment account. YOUR STUFF TREE WORKS TREE SERVICE - Prompt, profession­al tree removal, trimming and stumps. 484-280-8950 IN SCOPE Lastly, whenever you withdraw HSA funds for an eligible healthcare expense, there is no tax on your withdrawal. This differs from withdrawal­s taken from an IRA or 401(k), where those distributi­ons, even if taken after reaching the required retirement age, are taxed as regular income. Eligible HSA withdrawal­s, in contrast, are a completely non-taxable event. The tax magic from high-deductible plans comes in the form of a health savings account (HSA), with only those enrolled in a highdeduct­ible plan being eligible to make HSA contributi­ons. By putting money aside for healthcare expenses in an HSA, you protect it from taxes in three ways. WANT SOME EXTRA CASH? PRICE IT RIGHT - Describe it adequately, and call our classified department to sell your unwanted items today. Extra cash is as simple as that! Call 610-820-6565. First, any money deposited into an HSA (up to the annual limits of $3,600 for an individual or $7,200 for a family) can be deducted from your taxable income, dollar for dollar. In that way, HSAs are treated just like IRA or 401(k) contributi­ons. Sock away $5,000 in your HSA and the income on which you pay taxes goes down by $5,000. A SMALL, INEXPENSIV­E - classified ad will help you solve your renting, selling or hiring needs. Call 610-8206565 to discuss the many advertisin­g packages available to suit your needs. When all of these tax breaks are combined, the amount of you can save on healthcare is significan­t with an HSA, and is worth considerin­g for 2021 and beyond. http://www.attorneyge­neral.gov/hic.aspx WANT SOME EXTRA CASH? PRICE IT RIGHT - hauling Describe it adequately, and call our classified department to sell your unwanted items today. Extra cash is as simple as that! Call 610-820-6565. Rate Criteria: The rates and annual percentage rate (APR) are effective as of 11/10/20. All rates, fees and other informatio­n are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the informatio­n appearing above or the availabili­ty of rates and fees in this table. The institutio­ns appearing in this table pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Convention­al loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of Lock Days: 30-60. Points quoted include discount and/or originatio­n. Payments do not include amounts for taxes and insurance. The APR may increase after consummati­on and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or originatio­n. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsum­eraccess.org. To appear in this table, call 773-320-8492. $510,401. HAULING - All types of junk removal. 1 piece to entire house clean outs. Will beat any price. (610) 326-0804 Registrati­on # 232849486 - NEED REPAIRS? Check the Business/Service Directory. HOME Dial Direct 610-820-6565 WELCOME Want to run your ad for 60 days? Call about our special! WORTH A 1000 - - A SMALL, INEXPENSIV­E Want Some Extra Cash? Price it right, describe it adequately, and call our classified department to sell your unwanted items today. Extra cash is as simple as that! Call 610-820-6565. classified ad will help you solve your renting, selling or hiring needs. Call 610-8206565 to discuss the many advertisin­g packages available to suit your needs. PUBLIC AUCTION To Advertise On This Page, Please Call 610-820-6633 WORDS HOUSER’S PUBLIC AUCTION 9 A.M. Sat. Nov. 21, 2020 Location: 1171 Fairyland Road, Lehighton Immaculate/extremely well maintained 1600+sq.ft. single family brick cape cod home and detached 24' x 38' 4 car garage situated on a picturesqu­e 193' x 225' manicured lot. The interior home features – ultra mod. kitchen ( w. center island food prep area/granite counter tops), spacious dining & living rooms, 3 bedrooms., 1.5 bath, enc. rear sunroom (w. hot tub), laundry, and LL heated basement – storage – utility/workshop area. EXTRAS include c. air, w-w carpet / hardwood floors and great interior woodwork trim. FANTASTIC CURB APPEAL, MODERN INTERIOR DÉCOR: MOVE-IN CONDITION FULL AD/PICS at www.Houserauct­ioneers.com Inspec.: (R.E.) Sun. Nov. 15, 2020 – 1 to 2 P.M. Call Doug at 610-442-7244 for more info I found it in Scope! Sell it! Order your classified ad at: Include a photo in your ad! To Place An Ad: 610.820.6565 or placeanad.mcall.com placeanad.mcall.com Place your ad today! 610.820.6565 or placeanad.mcall.com 610.820.6565 placeanad.mcall.com - Smart Shoppers Read Classified. PRINTED AND DISTRIBUTE­D BY PRESSREADE­R PressReade­r.com +1 604 278 4604 ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY . ORIGINAL COPY COPYRIGHT AND PROTECTED BY APPLICABLE LAW