Magic Maze

Words With A Pop

Get Summer-Ready with Expert Style Tips (Family Features) Warm weather means fun-filled days spent in the sun by a pool or at the beach. Style and beauty-on-abudget expert Lilliana Vazquez of www.CheapChicas.com shares the following tips to help you get summer-ready.

Look for pops of color: This season, don’t be afraid of color. Neon is back in a big way, but it can be a tricky look to pull off. To make it more wearable, Vazquez suggests working this trend into smaller accessories like a lime green belt or fuchsia clutch to instantly punch up a neutral outfit.

Fair Housing Statement

All real estate advertised in the Genesee Valley Penny Saver 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, age, marital status, handicap, familial status, or national origin, or 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.

Fair Housing Enforcement Project Monroe County Legal Assistance Center 1 W. Main Street Rochester, NY 14614 (585) 325-2500 • www.lawny.org

Auto Mechanic Tools and Equipment for Sale!

Auto repair shop is closing due to retirement. All tools, equipment and miscellaneous from the shop is for sale.

Fri.-Sat., Aug. 11 & 12 (10am-4pm) Sun., Aug. 13 (10am-1pm) 805 County Rd. 42, Victor

Becoming More Attractive To Auto Lenders

It is common for consumers to spend months researching and saving for new vehicles. But many auto buyers do not put the same amount of effort into finding auto loans. That’s unfortunate, as Consumer Reports notes that those who do not have financing arranged before visiting a dealership may not get the best loan terms.

Prior to buying a vehicle, drivers should give consideration to how they appear in the eyes of creditors. Few if any people pay for cars or trucks in full at the time of purchase. As a result, it’s key for buyers to make themselves as attractive as possible in lenders’ eyes.

Improving credit score: Lenders use consumers’ credit scores to determine how likely they will be to honor the terms of a potential loan. Consumers’ FICO® scores are the type of credit score most often used to make lending decisions. FICO scores range between 300 and 850. The higher the score, the lower the risk to lenders. However, lenders do not necessarily use the same formula to assess risk.

The first step potential borrowers should take is figuring out what their credit score is, and what information is on their credit report. For those who haven’t done so already, they can request a free copy of their credit reports from the three major credit monitoring bureaus.

Once credit reports are obtained, consumers can work to correct any mistakes or inconsistencies. Some of these may be simple fixes, while others may take some effort. A 2012 study from the Federal Trade Commission found that one in five consumers had an error on at least one of their credit reports.

Consumers also can improve their credit scores by doing the following:

• Make payments on time, as payment history can have the greatest effect on a bad credit score, according to Credit.com.

• Reduce debt by paying off balances on credit cards or other loans.

• Obtain a mix of different credit sources, such as those in the form of credit cards, furniture financing, home ownership, and auto loans. This, too, can raise credit scores and make borrowers appear less risky.

• Keep old credit accounts open, as they establish a strong credit history. Try not to open too many new accounts in a short period of time.

Borrowers with strong credit will be attractive to lenders and will have more loan options at their disposal.

MENDONGARAGESALES!

Twohouses! 15HopperHillsWay &150DrumlinView.Sat.August 12(9-2pm).15HopperHills acceptsvenmo&creditcardsand willbeHALFPRICEfrom1to2. Fabulousselectionofgoodiesfor thewholefamily!Household, kitchen,wall&homedécor,fabric artwallhangings,mugs,NEW smallappliances(HamiltonBeach PartyCrock,electricknife,popcornpopper,hotdogrotisserie), newcookiejars(Poppin’Fresh& Campbell’sSoup),beedecor, clothing(men,women,totesand totesofbabyclothes,outerwear& shoes,girlsNB-9months,boys NB-3T,newoutfits),women’ssz. 11shoes,WilliamsSonomaHot ChocolateTins,EnescoGrowing UpBirthdayGirlsFigurines,Pyrex,DavidWinterCottages,4’ Christmastreewithlights,PamperedChef(newbundtpan,13x9 &smallerbakers),Temptations includingNEWPawfetti DinnerwareSets(3sets)&Pawfettiaccessories,children’spicture &chapterbooks,plushincluding beaniebabies,someBuildaBear &Gundteddybears.Pictureson FacebookandCraigslist.

Yard Sale Tips

Advertise the sale. The more shoppers the better, so advertising your sale can be advantageous.

LIMA:7289Kober Dr.August 11th &August12th(9am-4pm) MULTI-FAMILYSALE.Toomuch tolist!Don’tmissthisone.

FARMINGTON:1447 Creek Pointe8/4 -8/5MOVINGSALE.Furniture,clothing, collectibles,antiquesandmore. EVERYTHINGMUSTGO!

Yard Sale Tips

Shopwithaplan.Ifyouarelooking for something specific, you have the best chance of finding it by shopping early. For the best bargains, shopping toward the end of the sales may garner some deep discounts.

LIMA:7901College St.,Cross

Roads Festivalw/eFriday8/4 (10am-6pm),Saturday8/5(9am5pm),Sunday8/6(10am-3pm). Downsizingsale,40+yearsinthe making.Antiqueandregular furniture,lamps,ovalpatiotable +6chairs,toys(someCrayola/ Playschoolitems),golfclubs, housewares,manyXmasitems, Ariens8hpelectricstartsnowblower,shelving,books,rugs, muchmore.Cashonly.

Vacations don’t have to be taxing. Cut down on some of the stressful aspects of traveling by simplifying and delegating tasks.

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