The Morning Call (Sunday) : 2021-01-10

SCOPE OUT WHAT’S INSIDE : 123 : 11

SCOPE OUT WHAT’S INSIDE

11 The Morning Call | Sunday, January 10, 2021 scope out what’s inside recorupitm­eennthouse­s houses for rent apartments houses for sale home repair directory HOME WELCOME EQUAL HOUSING ADVERTISEM­ENT 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 PUBLIC AUCTION To Advertise On This Page, Please Call 610-820-6633 Institutio­n 30 yr APR 30 yr Fixed Product Rate Points Fees % Down APR Phone / Website NMLS # / License # HOUSER’S PUBLIC AUCTION PARKLAND SCHOOLS RANCH HOME SALE DATE: 10 A.M. Sat. Jan. 16, 2021 Location: 1922 West Jane St., S. Whitehall, Allentown, PA 15 yr fixed 1.875 0.000 $850 20% 1.947 Rate: 2.250 NMLS# 141744 2.298% 610-282-3000 10 yr fixed 1.875 0.000 $1050 20% 2.006 Points: 0.125 Cozy 1200+ sq.ft. single family ranch home situated on a landscaped 60' x 120' lot. The interior home features: eat in kitch., liv. rm., 3 bedrms., 1.5 bath, LL basement Rec. rm. with bar, laundry, storage & workshop area – h/w floors throughout. GREAT LOCATION JUST OFF 15TH ST. / RT. 22, IDEAL FOR 1ST TIME BUYER Sky Financial Services, Inc. rooms for rent 20 yr fixed 2.250 0.000 $1050 20% 2.319 Fees: $1050 www.skyfinanci­alloans.com 30yr Fixed APR Consistent Rate Leader. Great Rates. Quality Service. % Down: 20% Terms: (R.E.) 5% down, bal. in 45 days. Inspec.: (R.E.) Sun. Jan. 10, 2021 – 1 to 2 P.M. Full ad/pics at www.Houserauct­ioneers.com Call Jason at 484-550-8593 for more info Daily & Weekly - Color TV & Air Condition. Royal Motel, 610-433-6423 SAVINGS UPDATE Five factors to help you choose a 529 plan SELL Home Repair & Maintenanc­e Once you’ve decided to open a 529 account to save for college, the next decision is what state’s plan to choose. That’s because most 529s don’t require residency in their state, and you may be better served by a different state’s plan than your own. So how to choose? Also note that 529 plans can be direct-sold or set up by a financial advisor, called donor-advised funds. If you’re doing this on your own, look for a direct-sold plan to enjoy lower fees. YOUR STUFF Third, the best 529 plans are ones that will earn the most going forward. Of course, no one can predict future returns. But you can research past returns over different time periods for any 529 plan, as well as utilize 529 rating websites. IN SCOPE First, take a close look at your state plan. All 529s offer federally tax-free growth and qualified distributi­ons. But some plans offer an additional tax break for residents of that state, taken as a state tax deduction for contributi­ons made. Check if your state’s plan offers such a benefit, and if so, how much. general home improvemen­t Fourth, check if the available investment options will suit you. For instance, if you prefer a hands-off approach, age-based funds will auto-adjust your investment as your student approaches college age. But if you prefer more DIY investing, look for more flexibilit­y and options. The Morning Call would like to inform you about The Home Improvemen­t Consumer Protection Act, Second, it’s always wise to check any investment’s fees. Find what’s called the expense ratio, which is published for all investment­s. Ideally, choose a 529 plan with fees below 0.50%, but at a very minimum stay below 1%. Expense ratios are a useful applesto-apples comparison, with lower numbers meaning lower fees. DO YOU NEED A NEW BATHTUB? - 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. Vanity, Toilet, Floor, Painting or More? Handy Man Dan. 484-330-1035 In addition, contributi­on minimums may be important to you. If you plan to make frequent small investment­s, be sure to choose a plan with low minimums. masonry & concrete Rate Criteria: The rates and annual percentage rate (APR) are effective as of 01/05/21. 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. BRICK POINTING, WATER PROOFING, CAULKING - Masonry Repairs and Restoratio­n. In business over 60 years. Machemer Contractin­g: 610-797-4778 THE REGISTRATI­ON NUMBER MUST APPEAR IN ALL ADVERTISEM­ENTS CIRCULATED WITHIN THE COMMONWEAL­TH. $510,401. 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. 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: sc pe out - 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. 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. - 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. a roofing expert 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. 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. Dial Direct 610-820-6565 Want to run your ad for 60 days? Call about our special! YOU’VE GOT IT! Somebody else wants it! Got something special you no longer use? Sell it in Scope! To Place An Ad: It just may be the perfect item to fill someone else’s needs. classified­s 610.820.6565 placeanad.mcall.com To place your classified ad: • Call: 610.820.6565 Online: placeanad.mcall.com 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