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Offer for new and qualifying former customers only. Important Terms and conditions: Qualification: Advertised price requires credit qualification and 24-month commitment. Upfront activation and/or receiver upgrade fees may apply based on your credit qualification. Offer ends 11/15/21. 2-year commitment: Early termination fee of $20/mo. remaining applies if you cancel early. Included in 2-year price guarantee at $64.99 advertised price: America’s Top 120 programming package, local channels, HD service fees, and Hopper Duo Smart DVR for 1 TV. Included in 2-year price guarantee for additional cost: Programming package upgrades ($79.99 for AT120+, $89.99 for AT200, $99.99 for AT250), monthly fees for upgraded or additional receivers ($5-7 per additional TV, receivers with additional functionality may be $10-$15). Regional Sports: RSN surcharge up to $3/mo. applies to AT120+ and higher packages and varies based on location. NOT included in 2-year price guarantee or advertised price (and subject to change): Taxes & surcharges, add-on programming (including premium channels), DISH Protect, and transactional fees. Other: All packages, programming, features, and functionality and all prices and fees not included in price guarantee are subject to change without notice. After 6 months, if selected, you will be billed $9.99/mo. for DISH Protect Silver unless you call to cancel. After 2 years, then-current everyday prices for all services apply. For business customers, additional monthly fees may apply. Free standard professional installation only.

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — TEXT TODAY 570-444-9850 DIAL #1

Valley Vehicle Fin er LLC

ARTICLES ¥ VEHICLES ¥ HEALTH ¥ CROSSWORDS ¥ HOME IMPROVEMENT ¥ EVENTS

LLC

¥ CROSSWORDS ¥ HOME IMPROVEMENT ¥ EVENTS

Family Owned and Operated for 41 Years Published by: Oberdorf Publishing P.O. Box 392 Lewisburg, PA 17837-0392

Business Telephone:

570-524-0962 or 570-444-9850 Max 24 Hour a day 7 days per week FAX Your Ad Toll Free:

(855) 420-5956

For classifieds and business ads

E-mail Your Ads:

FREE CLASSIFIEDS. LOOK FOR THE FORM IN OUR PAPER.... CL A S S IF IE D TESTIMONIAL I love The Valley Trader!!! I have been able to sell so many things through this little paper!! People call me from all over. Last week I received a call from Hawaii about one of my ads. LT Antiques Auto’s, Trucks, Vans, SUV’s - 07 1979 Dodge Lil Red Express, excellent

condition, $20,000. OBO. 570-928-9126. 11/8 Wanted to Trade: 72 Ford Show Car for Ford Truck F15, 30.2 5 spd. Fewer than 90,000 mi, air. Anytime. Sunbury 570-286-7849. ufn Rear Spoiler fits Chev. Cobolt and Pontiac GS, excellent condition. 570-3374619. ufn A u t o / T r u c k Accessories & Equipment - 10 A Whole Garage full of power sprayers

plus auto body equipment, all for sale. Can buy everything or separate. Big tool chests. 570-293-2375. 11/1 Truck Caps for sale. 570-494-0444, call for details. ufn For sale parts: 1997 Buick la Sabre, complete and ready to part out. Call 570-2049626. ufn Boats - 8 Campers, Motor Homes, & Rec. Vehicles - 11 1995 Chariot Park Model Camper, furnished, 34’x12’, w/loft, computer or office room, sunken BR, tinted living room window, furnished 8’x34’ porch sunscreen, 10’x20’ carport, 10’x20’ new shed. Make offer. 570966-6220. ufn Yard & Garage Sales - 25

Guns & Accs. - 16 Help Wanted - 28 Experienced Sales Person to handle our Montour & Columbia Co. area. Very good commission structure. Send resume to The Valley Trader, Sales Position, PO Box 392, Lewisburg, PA 17837 Sales Rep Wanted: Expanding sales force in Lycoming & Clinton Cos. Experience sales necessary. Must have car & valid Driver’s License. Territory & account list provided. Send resume to: The Valley Trader, Sales Dept., PO Box 392, Lewisburg, PA 17837 or email to: thevalleytrader@ yahoo.com Help Wanted: Part time Graphic Designer position. 24-35 hrs. over 2 wks, but mostly on week 2. Must be able to work in a high speed environment. Be literally your own boss, but work easily with others. This may lead to a fulltime position in the future. Send resume & portfolio to: The Valley Trader, PO Box 392, Lewisburg, Pa 17837 or email: the valleytrader@yahoo.

VALLEY HO E IMPROVEMENT VALLEY AUCTIONS

VALLEY HEALTH

thevalleytrader@yahoo.com Web Site Address: www.thevalleytrader.com

We also Have Spin Balancing Available

B&R EAST Muncy Garage

570-935-0458 Mufflers • Shocks• Brakes Tune-Ups •Welding Mechanical Repairs

PayPal

com Household/Furniture 30 FOR SALE: 2 Pairs Lee Blue Jeans, Regular Fit. 30 Inch Waist, 34 Inch Inseam. EXC. COND. 570568-0635. 10/11 Lawn & Garden - 31 Weed Wacker RYOB1, 40v battery, battery & string included, 1 yr. old. Garden PR Electric Trimmer for Pine Trees. $125. for both OBO. 814-232-7887. 10/18 Miscellaneos - 35 Selling small Pickup Truck Load of Reseller Items, Call for list, $175.00. 717379-8010. 10/11 Ping Golf Clubs, Irons G-700, like new, (6) Irons - Senior Shaft, $490.00. 570768-7915. 12/6 Matching sofa, love seat, chair. Make an offer 570-286-0926. 10/11 Brunswick 8 Ft. Slate Pool Table, cue rack & sticks included. Buyer must make arrangements to move it. $500. 570-2864482. 10/4 New Asst. Metal Elect Boxes, single double junction, approx. 75 less than 1.00 each. All $75.; Original 10 Point Cross Bow attach bolt holder, manual, bow, , crank, approx. 2 doz. bolts, target hunting. attach hunting scope, like new, $995.00.

Excavation Services Sales & Service of Tecumseh and Power King Jonsered • Snapper • Shindaiwa • Husqvarna Briggs & Stratton • Kohler • Stanley Bostitch and Many More EMAIL: dheltman@verizon.net 1840 LIBERTY DRIVE • WILLIAMSPORT, PA 17701

(570) 494-1716

LYCOMING VALLEY

BATTERIES

LLC. “ALL YOUR BATTERY NEEDS”

1495 Route 405 Hughesville, Pa 17737

Gabe Gush

Owner

P: 570-584-2996 F: 570-584-2964 ib4675@centralpenn.biz

“INTERSTATE BATTERY MASTER DEALER”

$32.95

(up to 5 qts. oil, savings of $3.00

Expires 10/31/21 Synthetic Blend Oil, Synthetic Oil Extra

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Power Stroke Diesel Oil Change Special 7.3L $109.95 6.0L $119.95 6.4L $119.95 6.7L $119.95 (includes multi-point inspection)

Expires 10/31/21

Expires 10/31/21 Synthetic Blend Oil, Synthetic Oil Extra

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — CALL TODAY 570-444-9850

Valley Vehicle Fin er 570-538-1021. 10/4 For Sale Northumberland Memorial Park double plot, price includes one vault casket opening and closing. Make offer. 570-975-7291. 10/25 8 Units for a strong colliseum pool, hardware too. 570444-9850 ask for Max. ufn Mobile Homes - 36 Motorcycles - 37 Cash for your motorcycle, minicycle or moped. Any make, model, year, or condition. Trash or treasure. Will pick up. 724-966-2693. 10/11 2008 Honda Goldwing, 36,038 miles, 18,000 cc, garage kept, $8,000., runs great. Touring bike. Call Ron 570649-6543. 11/29 Anouncements - 38 Soft tissue has been found in an increasing number of dinosaur fossils that could not possibly be 65 million or more years old! Dr. Mark Armitage was the first to discover soft tissue in a Triceratops horn and he states that his

discovery and others like it demonstrate that the Genesis record of a young earth can be trusted. He was Director of the electron Microscope Lab at Cal State Northridge when he published the results of his find. His supervisor told him, “We are not going to have your religion in our department.”He was fired and he sued the University for religious discrimination. He won the lawsuit and was awarded back pay after several years. Dr. Armitage will be speaking at Oakwood Presbyterian Church at 1865 Waddle Road in State College on Friday, October 22, at 7 PM The Central Pennsylvania Creation Fellowship is sponsoring the event and a time of questions and answrs will follow the presentation and light refreshments will be offered. The meeting is free and open to the public. Students are especially encouraged to attend. For more information about the Central Pennsylvania Creation Fellowship or to sign

up to receive meeting announcements, please go to: call 570452-5000. Pets - 40 Beagle Puppies, 13 inch, AKC Reg. Tricolor. Justin, 570-6003428. 10/25 Sporting Goods - 50 FOR SALE: Martin Hunting Bow. 29 Inch Drawl length, 65% Let Off. Sights And Rest Included. EXC. COND. 570-5680635. FOR SALE: P.S.E. Competition Bow. 29 Inch Drawl Length. 60% Let Off.

VALLEY HO

Many Extras Included. EXC. COND. 570568-0635. FOR SALE: Schwinn 12 Speed Bicycle. 27 Inch Frame. EXC. COND. 570-568-0635. Wanted - 51

Wanted to Buy: Truck Cap, 6’ box for 2004 Chevy PU Truck, a little truck cap. 570538-3464. 10/11 Wanted: Old Slot Machines, gum machines, gum or peanut machines,

music machines or parts. 570-644-1959. ufn Wanted to Buy: Accordion. 570-9220056. ufn

E IMPROVEMENT

VALLEY AUCTIONS

Rte 80 Exit 185 Church

VALLEY HEALTH

Jordan Firearms X

Earl’s Garage 4-Way @Bank

Bank

Bridge Construction

HELP WANTED

DELIVERY

One Day Every Other Week

Montour/Columbia Co Area Contact

The Valley Trader at

(570) 444-9850

Must be dependable and have dependable vehicle.

MIKE’S ELECTRICAL REPAIR

Mike Levan, Proprietor 570-546-9189 NOW OFFERING MAGNETO REPAIR

SPECIALIZING IN REBUILDING: Starters Alternators Generators (Automotive, Heavy Duty, Farm, Etc.)

LIFT GATE MOTORS LAWN MOWER STARTER SNOW PLOW MOTORS ALSO OFFERING BOAT STARTERS AND ALTERNATORS NEW STARTERS & ALTERNATORS INTERSTATE BATTERIES

671 PEACH ORCHARD RD. • MUNCY, PA 17756 Located 4 miles Southwest of Muncy on Peach Orchard Road

2012 Jeep Liberty, 6 cyl., Auto, 4x4 .$9,995 - 2800

Auto Parts Famous Amos “The Tire Man” Most Brands & Tires

including

Belts & Hoses • Brakes Inspections • Oil Changes • Alignments • PA Inspection • Exhaust Systems • Batteries • Diagnostics • Preventative Maintenance

Rovendale LLC

Exit 1 off I-180 1050 Susquehanna Trail Watsontown, PA 17777

• Bridgestone • Cooper Tires • Hankook • Michelin 570-538-5522 FAX: 570-538-5910 Hrs: M-F 8-6; Sat 8-Noon

1,000’s in Stock Also Off Road Tires

2011 Jeep Liberty, 6 cyl., Auto, 4x4 .$8,495 - 2500 2011 Chevy Cruze, 4 cyl., 6 speed ....$6,995 - 2000 2011 Chevy Mailbu, 4 cyl., at...........$6,495 - 1800 2010 Jeep Compass, 4 cyl, auto, 4x4 ......... $6,995 2008 Ford Escape, 6 cyl., Auto, 4x4 .$5,495 - 1800 2006 Ford F150, Ext. Cab, V8, Auto, 4x4.... $6.995 2005 Jeep Grand Cherokee, V8, CD, 4x4 ..$5,995 - 1500

Valley Vehicle Fin er 4

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — TEXT TODAY 570-444-9850 DIAL #1

VALLEY HO

E IMPROVEMENT

What to Know When Updating Your Home’s Siding help guard VALLEY AUCTIONS against wicked

(StatePoint) With climate change spurring an uptick in extreme weather events in recent years, homeowners today know that to keep their property -- and the people in it -- best protected, the siding they select matters. “Not only will the right materials better insulate against extreme temperatures, but durable materials will also

weather and storms,” says Jon Lapp, siding project manager, ProVia. “And of course, siding has a major impact on the look (c) dragana991 / iStock via Getty Images Plus of your home appeal in the pursuit of highexterior.” quality siding. Here’s what The good news is that you to know when making this don’t need to sacrifice curb important upgrade:

VALLEY HEALTH

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• Materials: Your choice of materials can impact how you feel about Brian and your house David Heltman for years to 1840 Liberty Drive Williamsport PA 17701 come. To 570-494-1716 that end, dheltman@verizon.net • heltmanexcavation.com consider the most popular home siding material, w h i c h , 76 Terminal Road, Willamsport, PA according to the U.S. C e n s u s Bureau’s Survey of Construction, is vinyl siding. First introduced in the 1960s, its popularity is no accident. Thanks to its

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Over 25 years of empowering landowners, improving wildlife populations, increasing hunting success and leaving the land better than we found it!

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976 Locust Grove Rd Port Trevorton, PA 17864

Continued page 8

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — CALL TODAY 570-444-9850

How to Make an Impact This National Breast Cancer Awareness Month (StatePoint) October is National clothing and skin care products, to Cancer Awareness Month that Breast Cancer Awareness Month, bagels and bikes. By shopping with make charitable claims, Susan G. an annual opportunity to spend the brands in the Live Pink portfolio Komen recommends asking the your dollars on products and during October, you can help following questions: Continued page 7 services that benefit breast cancer fund research care advocacy, research and patient and that care services. However, experts services say that the clutter of pink products support people their on store shelves and online can through cancer make savvy shopping a challenge. breast “Determining if a given product sold d i a g n o s i s , during October actually benefits t r e a t m e n t beyond. a breast cancer charity, is not and always easy,” says Sarah Rosales, Program details vice president of Corporate are transparent Partnerships at Susan G. Komen, on the Live the world’s leading breast cancer Pink site. To learn more and organization. One way to ensure that your to shop, visit, purchases are making the impact k o m e n . o r g / you think they will is by shopping livepink. other with Komen’s Annual Live Pink For program. This year, Komen has p u r c h a s e s partnered with more than 25 you make this National Breast companies, and the lineup Welcome to Leading Electronics of products THEME: HALLOWEEN and services a v a i l a b l e Computer sales and service, both DOWN ACROSS i n c l u d e s 1. *Hitchcock’s 1963 movie, with new and refurbished computers 1. Coalition The everything (custom and brand name) 2. Corn Belt state 6. Bad-mouth Certified Apple service center 3. Drink garnish 9. H or O in H2O, e.g. from specially 4. Cheerlessness 13. France’s longest river (570) 323-5095 or (570) 374-5080 d e s i g n e d 5. Offered on a platter 14. Bauxite, e.g. SUDUKO

15. Opposite of adore 16. Proprietor 17. Quaker Man’s cereal 18. Oozes 19. *Corpse 21. *Bobbing for what?, pl. 23. One time around 24. BÈbÈ’s mother 25. General Post Office 28. Actuary’s concern 30. Named, in bygone era 35. Not easy 37. Accepted behavior 39. Kitchen floor layer? 40. Northern European capital 41. *Overly consumed on Halloween? 43. Actress Spelling 44. Nature’s rage 46. Bangladeshi currency 47. Colossal 48. Bowling prop 50. Famous Himalayan 52. Bugling ungulate 53. Valedictorian’s spot 55. Possessive of “it” 57. *Pennywise and Joker, e.g. 60. *Traditional Halloween garb 64. Honolulu greeting 65. Costa del ____ 67. Plant fungus 68. Mild and pleasant, weatherwise 69. E.T. transporter 70. Popular spring flower 71. Hole-making tools 72. Young newt 73. Country singer ____ Hill

6. *Door-to-____ 7. George Gershwin’s brother 8. Plural of seta 9. Cain’s biblical brother 10. You, in bygone era 11. Uh-oh 12. Wife’s title 15. Facet 20. Actress Linda of “Dynasty” fame 22. Be nosy 24. South American wild cats 25. *Bedsheet with holes? 26. Command that follows “cut” 27. Acrylic fiber 29. Show off 31. Low-cal 32. Skip the wedding hoopla 33. State of danger 34. *As opposed to treat 36. Small town or hamlet 38. Manufacture 42. 2:3, e.g. 45. Carnie’s domain 49. Grandmother, for short 51. Reflexive of “it” 54. Question in dispute 56. Parallel grooves 57. *Raven’s grabber 58. Take it easy 59. Electrical resistance units 60. Blood-related problem 61. Tangerine grapefruit hybrid 62. Castle protector 63. Carve, as in stone64. Lawyers’ league 66. “____ with their head!”

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — TEXT TODAY 570-444-9850 DIAL #1

VALLEY HO low cost, ease of installation, minimal maintenance and long-term beauty and durability, it’s a favorite choice among installers and homeowners. Just be sure that the siding you select is formulated with weatherand heat-resistant materials, as well as UV blockers to protect against color fade. • Insulation: Did you know that most wall insulation is placed only between the studs? Since wall studs represent up to 25% of the wall surface of an average home, that’s like having one entire wall with no insulation at all.

E IMPROVEMENT

Insulated siding blankets your home, providing continuous insulation between the studs and exterior wall of your home. Look for insulated siding options that are tested and proven to increase the R-value (a measure of a material’s resistance to heat flow) of an exterior wall. One such option is CedarMAX insulated vinyl siding from ProVia. One of the most energy-efficient exterior claddings on the market, it can help reduce your energy bills. It’s also built with a strong, rigid foam backing that can bridge the subtle bows and dips present on almost every wall. This will make for longer, straighter panels for increased curb appeal, as well as greater impact resistance against rain, hail and contact with your child’s fastball. And because it resists fading, chalking,

cracking, peeling and thermal expansion and contraction, it will have a longer, more environmentally-sustainable life. • Color: Color and beauty are huge factors in your home improvement decision. To get it right, start by using the color selection tools on your manufacturer’s website. It’s important to know that the monitor settings on your device can impact the way the color displays, so contact the dealer to see real color samples made from its actual products before making a final decision. Choose from classic whites, earth tones, bright and colorful shades, or bold, darker hues. Just be sure your beautiful new siding contains anti-weathering ingredients that prevent weather and sun exposure from causing it to fade. Additional siding information and resources can be found by visiting provia.com/siding. “Approach this home improvement project carefully. With the power to boost your home’s beauty and energy efficiency, new siding can offer a great return on investment and protect your home for years to come,” says Lapp. *****

VALLEY AUCTIONS

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Free Estimate

fully insured

We have the LARGEST amout of IN STOCK PARTS in the area.

• Oven • Washer • Dryer • MORE

A.P.W. Inc.

Parts for Major Appliances 348 Court Street • Sunbury (rear of Peter’s Appliances)

286.7109

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — CALL TODAY 570-444-9850

VALLEY HO

E IMPROVEMENT

By shopping savvy this October, you can support the fight against breast cancer and ensure your purchases are making the biggest impact possible.

VALLEY AUCTIONS

Add resilience and charm with

VALLEY HEALTH METAL ROOFING & SIDING ★ 25 STYLISH COLORS ★ GALVALUME OR GALVANIZED ★ HEAT-FORMED 40 Strong Resistance to Scratching & Fading

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LLC Shop savvy this October to support the ﬁght against breast cancer. 1. What charity is the program the proceeds will go to the charity? 160 RIDGE VIEW DRIVE, MILLHEIM • 814-349-5275 supporting? Do promotional Will the company materials about the product or be making a service clearly and conspicuously minimum or state this information? maximum donation 2. How will the benefitting charity to the charity? use the donation? You should be Shop only with in as little as one hour made aware where your money companies that Powered by is going and what charitable offer transparency programs your purchase will with regards to order today wegmans.com/instacart support. Funds raised to benefit program details Komen, for example, go to support and how donations the organization’s advocacy for are structured. breast cancer patients, the $1.00 investments in research and per issue a number of direct patient Classified care services. RICH HEINTZELMAN 3. How is the program structured? What percentage or exact amount of

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BULK OR BAG COAL * DELIVERY AVAILABLE

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LEY HO 8

E IMPROVEMENT

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — TEXT TODAY 570-444-9850 DIAL #1

VA L L E Y A U C T I O N S Most Americans Ill-Prepared for Natural Disasters. Are You Among Them?

(StatePoint) A timeE when Y natural & H Company survey, of VA LL E A84%LT H have a detailed emergency plan disasters are growing in frequency, most Americans are not physically or financially prepared to handle them. According to a new Wells Fargo

Americans live in areas that have experienced some form of natural disaster in the past three years, and 54% live in areas that have experienced severe natural disasters, specifically John S. Herman hurricanes, tornadoes, Due To Parking Issues , We will be selling the John S. Herman Estate floods, wildfires from the Melody Acre Farm , Located at 615 Number 10 Road, New Columbia. Pa. 17856 or earthquakes. 2 DAYS Despite these SATURDAY, OCTOBER 16, 2021 at 9:00 am s o b e r i n g SATURDAY, OCTOBER 30, 2021 at 9:00 am statistics, 71% BB GUNS * GUN CLEANING EQUIPMENT Assorted BB Guns; Hunting Knives & Pocket Knives; Compound Bows; Crossbow & admit they don’t Bolts; Assorted Hunting & Practice Arrows; Assorted Toy Guns & Pistols& Holsters; Various Gun Cleaning Equipment;

MILITARY ITEMS * EQUIPMENT

WW1 & WW2 Helmets; M1 Bayonets w/ Sheath; Pup Tents w/ Stakes; Ponchos; Several Uniforms; Medium Alice Ruck; Several Web Belts; Ammo Pouches; MRE’S; Military Manuals; Metal Ammo Boxes; Various Binoculars; Several Mess Kits & Canteens; Several Black & Brown Holsters; WW2 Dress Uniform Saucer Cap; Assorted Military Caps & Hats; Lensatic Compass; Military Silverware; Complete Box of Military Recipes; 1945 Sleeping Bag; Gas Mask w/ Case; Assorted Ribbons, Medals & Awards

ANTIQUES * COLLECTIBLES * FURNITURE

Milton & Local Area Collectibles; Arrowheads; William Raup Buildings; Dining Room Table & Chair Set; Several Bookcases; Small Desk; Various Post Cards[ Local, Military Ect]; Costuime Jewelry; Rings & Watches; Vintage Christmas Items; Wooden TV Trays; Metal & Wooden Toolboxes; Utica Club Beer Tray; Coaster & Glkasses; Chicken Figurines; Cigarette Lighters; Crystal & Amber Glassware; Hurricane & Railroad Lanterns; Old Soda Bottles; Milk Bottles; Potatoe Chip Cans; Advertising Yardsticks; Assorted Alarm Clocks; Arcade Cards; Baseball & Football Cards; Watsontown Foundry Cast Iron Items; Decks of Playing Cards; Crocks & Jugs; Repro 1840 Percussion Pistol w/ Knife Wall Hanger Pistol; Hall’s China Orange Poppy China; Plus More!

and 16% haven’t thought about emergency planning at all. Even those with some kind of plan seem anxious that it’s inadequate. Indeed, 40% of those surveyed described their planning style as “Barely Covered.” According to Rullah Price, head of Public Affairs Resiliency & Enterprise Incident Communications at Wells Fargo, these survey insights can help you tighten your emergency plan: Plans Often Incomplete

Real Estate @ Public Auction Contents sold @ Tag Sale Friday & Saturday * November 5 & 6, 2021 Starting Both Days 8 A.M.-3 P.M. Real Estate Saturday at 12:30 P.M.

Location: 33 Kinsey Street, Montgomery, PA 17752. From Route 15, follow Route 54 into Montgomery, turn right on to West Houston Avenue, turn right onto Kinsey Street, follow approx. 2 blocks, home is on the left. Watch for auction signs.

Listing: We will be selling the entire contents of this house which includes automobiles, John Deere Gator, furniture, glassware, tools, collectibles, and antiques in a tag sale on November 5 and 6. Start time is 8 A.M. The real estate is being sold at public auction on site Saturday, November 6 at 12:30 P.M. Mark your calendar and plan to attend! Please check back to Auctionzip.com Seller #4038 for more pictures and information!

Matchbox; Tonka; Hot Wheels; Toys; Metal Toys; Snow White Collectibles; Shirley Temple Doll & Music Box; Various Board Games; Metal Toys ; Toy Guns & Holsters; Norman Rockwell Figurines; Hess Trucks; TyBabies; Several HO, 0 & 027 Train Sets; Lionel B350 Engine & Tender “Milwaukee Road” System BLT 1973; Ives Set # 3252; 3 Cars & Track; Lionel “ Christmas Story” Battery Train Set; Various Transformers; Lionel Beacon Tower; Lionel “New York Central Flyer” in Box 6/ 21990; Atlas HO Turntable; HO “Monopoly”Train Complete; Lionel “ Capital Limited” Complete; Plus Others

Real Estate: We will be offering up for bids this beautiful 1 1/2 story, 3 bedroom home. The first floor consists of a living room, spacious eat-in kitchen, and dining room. The upstairs consist of 3 bedrooms and a full bath. The basement has 2 large rooms for storage or work shop/utility area. A large brick front porch and rear porch are attached, along with a wrap around black top driveway and a storage shed. This home has baseboard hot water heat, public sewer & water, and 1,650+ square feet of living space. This move in ready home, which is located in the Montgomery School District, has beautiful oak wood work and is super clean. You do not want to miss out on this great buy! To view this property, call Voneidaʼs Auction Service.

Historical Books of Union, Northumberland, Snyder, Counties; Old Milton Telephone Books; Many Books about Indians & The American West; Warrior Run & Selinsgrove Year Books; 2- Late 1800’s Bibles; Various Children’s Golden Books; American Heritage Civil War Books; Many 1st edtion Books; Many 45 & 33 1/3 Rpm Records; Red Ryder Books; Near Complete Playboy Collection; Plus Many More Items Of Interest

Real Estate Terms: 4% buyerʼs premium will be applied to the end sale price. 10% down payment is due on auction day. The ownerʼs reserve the right to accept or reject any or all bids with confirmation on the day of auction. Perspective buyers are able to conduct any home inspections at their own cost. All oral announcements on auction day will supersede all printed material. Owner & Auctioneers are not responsible in case of any accidents.

TOYS & TRAINS

BOOKS & RECORDS

Terms: Cash or Good Penna Check Sellers: John Herman Family Lunch Available * Tent If Inclement * Job John Photos: Auctionzip.com #2189 & GoToAuctions #4136

Auctioneers: Michael & David Weaver AU002180-L Allenwood,Pa.17810 Phone 570-538-2227

Voneidaʼs Auction Service

Dan Voneida-Auctioneer * #AU004059 723 Petersburg Road, Allenwood, PA 17810 570-447-6480

Valley Vehicle Fin er YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — CALL TODAY 570-444-9850

VALLEY AUCTIONS The 29% of Americans who do have an emergency plan prioritize having food and water supplies (78%), emergency cash (63%), access to important documents (61%) and a planned transportation/ evacuation route (59%). Items of slightly lower priority include a plan for medical needs (54%), a family communication plan (52%), a shelter plan (49%) or plan for pets (44%). “Most people’s plans are lacking detail. For example, only a quarter of respondents have outlined specific plans for members in the household of different ages.

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This is incredibly important for vulnerable ones like children and seniors,” says Price. Price points out that less than a third of respondents (c) doble-d / iStock via Getty Images Plus have a go-bag packed in case of cards may not work if electricity is natural disaster and many of those out. Be prepared for all possible with cars don’t keep their gas events,” says Price.” tanks filled halfway for emergency The study also found that only 43% evacuation. Ensure your plan of Americans have a consolidated includes these details. You should file of important records and also have an receipts safely stored digitally and e m e r g e n c y in a waterproof, fireproof container. kit containing And only 55% have recently 9.4 Acre Farmette & Contents supplies for reviewed their insurance policies Saturday • November 20, 2021 • 9:30AM several days. to ensure they have the right types Most Not and amounts of coverage. Real Estate at 12:30 P.M. F i n a n c i a l l y “Contact a qualified financial Location: 2187 Elimsport Road, Montgomery, PA 17752. From Route 15 turn Prepared counselor who can help organize onto Elimsport Road, follow approx. 3 miles. Farm is on the left, near Maple Hill Community Center. Watch for auction In addition your finances for an emergency,” signs. to lacking says Price. “Less than a quarter of Real Estate: We will be offering up for bids a physical this beautiful 9.4 Acre Farmette, 2 story, 3 bedroom, 2 bath home w/blacktop Parking at Sell Alcoholic plan, most We Rear Entrance Beverages driveway. The first floor consists of a living room, TV/family room, remolded kitchen w/ Americans are granite counter tops and spacious dining room, and a full bathroom. The upstairs not financially consist of 3 bedrooms, a full bath, and attic storage. The home has a front porch prepared for and rear breezeway with attached disaster. Only spacious 2 car garage. There is a barn, 570-322-8141 corn cribs, and several out buildings ozziemaes@yahoo.com 36 West Fourth Street 44% have including a brick smokehouse. This home www.ozzieandmaes.com Williamsport, PA 17701 has oil fired baseboard hot water heat, started an public sewer, well water, and approx. 1,750+ square feet of living space. This emergency THE FAMOUS move in ready home, which is located in the Montgomery School District, is super savings account clean and has been well taken care of over Retail With the years. You do not want to miss out on and 39% say “Unique 375 Shops” this great buy! Please check they have no Auctionzip.com Seller #4038 for more OPEN 7 DAYS A WEEK: 10AM-5PM pictures and information! FRIDAYS: UNTIL 8PM • SUNDAY: OPEN AT 8AM emergency cash To view this property, call Voneida’s Auction Service. 100 North Water Street • Lewisburg, PA 17837 in the house. Real Estate Terms: 4% buyer’s premium 570.524.5765 • www.streetofshops.net “We’re evolving will be applied to the end sale price. 10% down payment is due on auction day. The owner’s reserve the right to accept or reject any or all bids with into a cashless confirmation on the day of auction. Perspective buyers are able to conduct any home inspections at their own cost. All oral announcements on auction society— but 23 colors, R-values 6 to 18, Windows — CALL FOR PRICES day will supersede all printed material. Owner & Auctioneers are not 8x7, 9x7, 8x6/6 or 9x6/6 White, Brn, Alm, SS, Raised Panel Steel......................$229.00 responsible in case of any accidents. 9x7, 8x6/6 or 9x6/6 White, Brn, Alm, SS, Raised Panel Steel 2” Insulated..$299.00 during an 8x7, 8x8, 9x8, 8x7/6 or 9x7/6 White, Brn, Alm, SS, Raised Panel Steel 2” Insulated. $379.00 10x7 or 10x6/6 White, Brn, Alm, SS, Raised Panel Steel 2” Insulated.................$379.00 10x8 or 10x7/6 White, Brn, Alm, SS, Raised Panel Steel 2” Insulated.................$439.00 emergency, you 16x7 or 16x6/6 White, Brn, Alm, SS, Raised Panel Steel 2” Insulated.................$609.00 10x10 Commercial Steel Woodgrain Finish White, Brn.........................................$539.00 Voneida’s Auction Service may not have 12x12 Commercial Steel Woodgrain Finish White, Brn.........................................$689.00 Dan Voneida-Auctioneer * #AU004059 CALL: 570.539.2546 or 1.800.515.3667 access to an 723 Petersburg Road, Allenwood, PA 17810 www.pylesgaragedoors.com 570-447-6480 Hours: Monday-Friday 8 AM to 5 PM • Saturdays 8 AM to Noon ATM, and credit 1/4 mile South on Rte 104 & Rte 35 Intersection • Mt. Pleasant Mills, PA

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YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — TEXT TODAY 570-444-9850 DIAL #1

LOOK LEAP Before You

WHEN REPLYING TO A LBYL AD BE SURE TO MAKE ALL CHECKS OUT TO THE VALLEY TRADER. EACH REPLY IS $4.00. You must renew your ad every 2 issues for it to run in the next issue. And it MUST be written. Ads are not taken by phone. We may be data basing the ad, if so, you will not get a new number each time. Please note that no ads for alternative lifestyles will be placed anymore. Ads will be placed according to publisher’s discretion. Must be 18 or over to use this column. ATTENTION NOTICE If you send us an ad to run in this section, you must include your real name and address or we will not be able to print your ad. No one ever knows who you are except for the person who handles the replies in my office. Thank you for understanding in this simple matter. Did you meet someone or go further with your relationship? We want to know. Send us your testimonial. Testimonials: (Looking for some new comments of success) Fall 1991 and January 1992 Testimonials: My cousin and his new wife (both in their early 40’s) were visiting my mom, my sister, and I. My sister asks, “So, how did you meet?” They kind of giggled and asked each other, “Should we tell them?” They said they met through the LYBL column. My sister and I decided we would try our fare at meeting “Mr. Right”. (BTW, my cousin and his wife are still married and hopelessly in love.) My sister didn’t have much luck, but in January 1992, I saw this ad that kept drawing my attention. As described, he really wasn’t what I was looking for, but... We met later that month for the first time; got engaged in 1993 and married in 1994. We will celebrate our 25th anniversary this October and we have a 23-year-old daughter who lives out of state. Thank you, LYBL! Mr. & Mrs. J.N. 4/4/17 Testimonial: I placed an ad 1/2/94 and met the love of my life. He has 3 boys and I have 3 girls. We were married 8/26/95 and now we’re the Brady Bunch. Thanks for helping us find each other. KP/DP I will always be grateful to your paper Valley Trader. My husband DH wrote to me and we have been happily married almost 12 wonderful years. We’ve been through many trials and joys and so glad we found each other. K.W/K.H. “Thanks Again Valley Trader, Friends! Years ago I put an ad in your paper and we were married almost 20 years & then our lord called him home.” -HR “My brother met his wife Bonnie through your column. They have a son named Jake! He’s our pride and joy!” –CW L.B.Y.L. Readers: It would help a lot if you put your town location in your ad. Distance is important when replying to an ad. Thanks. – The Valley Trader PLEASE RESPOND – We have had several people who have responded to personals

Make Check or Money Order made out to The Valley Trader. How to prepare your letter to send:

1. Write your letter to the person of interest. Be sure to put a way to contact in your letter. Phone or address. 2. Seal letter in blank envelope. 3. Put ad code in lower left corner and stamp in top right corner. Now you are ready to mail to us. Leave rest of envelope blank. No return address, NOTHING else on it. 4. Place this sealed letter into a fresh new envelope. Place your payment along with sealed letter and seal. Put in $4.00 FEE. 5. Now address this envelope to: Look Before You Leap, P.O. Box 392, Lewisburg, PA 17837. This envelope you can put your return address on it. 6. MAIL IT. 1 issue free! Run Your Ad Longer! PLACE YOUR AD FOR FREE - 1 ISSUE.

7 issues/$10.00 OR 14 Issues/$18.00 • 28 Issues/$24.00

CODES: S:SINGLE,M: MALE, F:FEMALE, D:DIVORCED,Wt:WHITE,B:BLACK,IC:INCARCERATED

DO NOT SEND CASH IN YOUR LETTERS TO ANY IC. IT WON’T BE ACCEPTED AND LETTER WILL NOT BE DELIVERED.

in our column, and received no response in return. We would like to request that you send at least a post card to each and every response you receive, just out of courtesy to those taking the time to write you. Also, don’t forget to include either a phone number or address in your letter when responding to an ad. IN ORDER TO DISTINGUISH BETWEEN IC RESIDENTS AND OTHER RESIDENTS WE HAVE DECIDED TO PUT EACH IN THEIR OWN SECTION. Tired of not meeting that special someone at work, at the bar, or wherever you have been looking? Look no further than Look Before You Leap men and woman our other supporting single services. We want to help you! What do you have to lose? Just your loneliness. So do it. Send in your ad or send in a response. See directions at beginning of section on how to be a part of the Look Before You Leap. Regular: SWtM, retired 71, 5’8”-202, looking for a woman in her 60’s for dating, out to eat, movies, romance hopefuly I’m in good shape, need a friend to visit, Snyder Co. area? I have green eyes, a beard, strong & sexy. No drugs or smoke. KU26549 12/21 WdWtM, retired, 5’7”, nice country person, wife passed, vet, Union County. Looking to meet nice lady, 45-60, average build. Answer all & meet & call. JH26670 10/4 DWtF seeking S/DWtM, easy going, nice man, 65-75 yrs. young. I enjoy outdoors, quiet evenings, & all good things life has to offer. 5’4”-159, neat & clean. Columbia & surrounding areas. Will answer all. No married, IC’s, or druggies need apply. RA26681 10/4 IC’s: SWtFIC, 35, petite build, blue eyes, funny, openminded lady, searching for the simple things in lfe & a partner to share it with. ES26611IC SWtFIC, 40, Italian, looking for a companion, possible serious relationship. Soon to be released. JC26612IC SBFIC, from Phila, looking for companion, serious replies only. Soon to be released, 28, carmel complexion, 5’10”, light brown eyes. ES266131IC SWtFIC, 31, blonde hair, blue eyes, very fun & down to earth. Looking for a nice gentleman to communicate with. Please write. CH26614IC SFIC, 27, 2 boys. Plan on coming home within the next year. Blue eyes, strawberry blonde hair, 5’5”. Enjoy spending time outdoors & outdoor activities hiking, kayaking, swimming, mudding, riding four wheelers, sitting by a bonfire at night. Enjoy spending time with my friends & family. Also like reading & listening to music. CS26615IC FIC, Italian girl looking for a nice man. I’m pretty, smart, & independent. A good friend to share laughs, letters & maybe life with. JB26617IC BFIC, from Texas, looking for a male companion to join me on this journey. Want

new experiences? Contact me. MC26618IC SWtFIC, sweet & sexy. Fun to be with, love to spoil the one I’m with, very loving & affectionate. Very open, honest, & loyal. Have a big heart with lots of love to share. HS26619IC BiFIC, looking for a male or female companion to share my interests, dreams, & goals with. I’m open for a commitment or casual open bonding. I’m free spirited, non judgemental. Honesty & openmindedness are very meaningful. I’m caring, loving, & kind with a bit of spice & creativity. WB26620IC SWtFIC, 29, 5’2”, booty too cute, German/Irish/ Native American. Glittering amber eyes, freckles, & tatooed. Seeking friendship & anything that stems from such. LD26631IC BFIC, looking for a nice gentleman or woman. I’m smart, beautiful, love outdoors, independent & ambitious. Love sex & having fun. Contact me.RI26633IC SWtFIC, 41, soon to be released, 5’9”, legs for days, blonde, green eyes, 75% Italian, need a companion. CS26634IC FIC, is interested in communicating with hardworking, handsome, honest, intelligent, educated men who have a genuine concern & interest in living life happily. KE26635IC SWtFIC, 5’4”, likes dining, dancing, beautiful smile, loves babies, outdoors, traveling, plays guitar, shopping, hard working, erotic, pleasant, honest, strong, intuitive woman, & outgoing. KE26636EC WtFIC, 29, looking for a nice gentleman, I’m smart, pretty, funny, loves outdoors & independent. Looking for a good friend to share laughs & letters with. AP26637IC FIC, Italian, with lots of love to share with that perfect guy. Big breasts, big butt, & awesome personality. JB26638IC SWtFIC, amorous, exotic brunette, needs companionship, pen pal, 5’4”, brown eyed bombshell, hardworking, generous, handsome men come see me & find out. KE26639IC SWrFIC, soon to be released, 41, with legs for days, 75% Italian, 25% Irish, blonde, green eyes, seeking a companion. CS26640IC FIC, intelligent, spunky & fun loving with inviting hazel eyes, looking for my match that’s dependable, compassionate with a good sense of humor. AH26640IC FIC, seekng a partner that loves sex, having fun, making memories. I love life & if you feel you are the special one, please contact me. JB26641IC SWtFIC, Part Indian, Part Pa. Dutch, 57, 5’6”/125. brown hair, blue eyes, I love animals & old country music, good sense of humor, would love to have a friend. PJ26642IC FIC, Some say I look like Barbie, but I’m far from fake. I just want my dependable, affectionate, & friendly Ken. Could that be you? AC26643IC

FIC, I am a young thing in all the right places, mixed female, looking for an older male companion. I enjoy cooking & pleasing my man. LN26644IC SWtFIC, needs mate for fun, sexy, brunette babe. seeking male for long nights, pen pal, friends, lovers, likes handsome hardworking, amorous man. Write & let’s meet. KE26645IC WtFIC, 29, homebody, cooks, cleans & pampers my partner. Seeking someone to make memories with & share letters. AP26646IC SWtFIC, 28, long hair to waist, slim, long legs, soon to be released, green eyes, looking for a good time. Serious replies only. LP26647IC SWtFIC, green eyes, long brown hair, 49, looking for serious replies only. For companionship & good time. I’m fun & sassy. DB26648IC FIC, Take a leap with me, soon to be released, 5’9”, legs for days, blonde/green eyes, Italian/Irish, looking for a companion. CS26649IC SSpFIC, if you’re looking for a free spirit, down to earth woman, stop looking, that’s me. Seeking 60+. NR26650IC SWtFIC, brown hair, brown eyes, looking for somebody to write to. I enjoy movies, camping, music & having a good time with someone who will treat me with respect. I’m honest & hope to find the same. TG26651IC SFIC, blonde, blue eyes, looking for a companion. I’m funny & down to earth. CH26652IC SWtFIC, soon to be released, 5’9” with legs for days, blonde, green eyes, 75% Italian, 25% Irish. Looking for a companion. CS26653IC WANTED: male companion/ friend/pen pal/housemate for attractive brunette who is lonely, incarcerated, fun, friendly & ready to meet. KE26655IC FIC, 25, like men or women, used to be a dancer, love outdoors, fishing, camping, 4 wheeling, swimming. Love being pampered & all dressed up, 5’6”, brown/brown, thick in all the right places. KS26656IC SWtFIC, soon to be released, 5’9”, blonde, green eyes, thick thighs, Italian/Irish, looking for a companion. CS26657IC SWtFIC, 5’2”, 115 lbs., long dark hair, blue eyes, outgoing & fun. I would love to take care of you. Let me be your dream come true. AL26658IC FIC, released May 2022. Seeking a pen pal, 34, interested in both men or women. Country girl who enjoys mudding, fishing, camping & concerts, traveling. CG26659IC SWtFIC, 5’9”, with legs for days, blonde/green, Italian/ Irish. Serious inquires only. Soon to be released. CS26660IC FIC, 30, blonde/ocean blue eyes. Looking for someone to share good conversation & laughter to get me out of these blues. AC26661IC SWtFIC, attractive, amorous, seeking one man for all my needs and his wildest times. Love outdoors, football, eroticism, & traveling, animals, & music. KE26662IC

SBFIC, 5’2, petite, big boobs, sexy caramel complexion & great personality. Serious inquires only. From N.J. Soon to be released. LW26663IC SWtFIC, looking for companion. Soon to be released. 5’2”, brown hair/ hazel, medium build, very outgoing & loves to have a good time. JA26664IC SFIC, 42, blonde, blue eyes, looking for a pen pal. AK26667IC SFIC, fun sized, blue eyed blonde, coming home in a few months. Love to be adventurous, travel, shop & be outdoors. Looking for a pen pal, maybe more. BN26668IC SBFIC, 5’2”, petite, big boobs, sexy caramel complexion, great personality. Serious companions only. From NJ, soon to be released. LW26671IC WtFIC, spunky, 51, 5’2”-180, brown hair/hazel green eyes, enjoy the outdoors, animals, & laughing. Looking for friends to get to know & talk about anything & everything. LS26672IC DFIC, 41, 2 grown sons, 5’4”, blonde, slim build with DD implants. Looking for long term companion. Write me. TB26673IC WtFIC, 31, 5’4”-185, brown hair, 1 blue eye, 1 brown eye, love to write, the outdoors, workout, music, have a lot to offer. Looking for someone I can talk to , get to know, honesty, openness, loyalty. AM26674IC FIC, 22, looking for a male pen pal. Write me if you want to get to know me. RR26675IC SHFIC, 5’2”, petite, beautiful, long curly hair, pretty face. Serious companions only. Soon to be released. SM26676IC SWtFIC, 38, short, with blonde hair, thick, hazel eyes. Looking for companion. Released soon. Serious replies only. JA26677IC FIC, Italian, looking for a nice man. I’m intelligent, pretty & freaky. Want someone to share laughs & letters. I’m waiting. JB26678IC SWtFIC, Indian/German/ Irish, looking for companion. I’m 46, brown hair, green eyes, 135 lbs., outgoing, honest, trustworthy, good listener. Hobbies: fishing, camping, swiming, biking, 4 wheeling. Professional dancer most of my life, so working out & staying fit is important. Just like to have fun. Looking for a fresh start, & willing to relocate. TS26679IC SFIC, 40, loves to have fun, laid back, no drama, Diagnosed with sickle cell leukemia, a form of cancer. Love the Lord with all my heart. I’m loving, caring, love to laugh. I cherish my heart and the hearts of others. DH26680IC FIC, 43, 5’6”, curvy, beautiful with 2 children, 20 & 23. Funny & caring, looking for someone to come in to my life as a forever partner or a geat friend. TS26682IC SFIC, beautiful, blonde, blue eyed bombshell, funny, down to earth. Looking for companion. If you’re looking for some great convo & a good person, write me please.

CH26683IC WtFIC, smart, pretty, loves outdoors, independent. Looking for a nice gentleman to share laughs, letters & may be life. AP26684IC SBFIC, 5’2, petite, big boobs, sexy, caramel complexion, exotic features. Serious companions only. Soon to be released. LW26685IC FIC, 34, dark auburn hair, blue eyes, 5’4”-140, free spirited, fun, easy going, country girl. Love mudding, camping, fishing & enjoy nature walks. Also love traveling & enjoy snuggling up to watch a good movie. Looking for a pen pal for friendship, possibly more. CG26686IC FIC, seeking a partner that loves having fun, making memories. I love life & if you feel you’re the special one, please contact me. AP26687IC SWtFIC, let’s meet, men only for fun visits, travel, whatever. You can check me at facebook. KE26688IC SWtFIC, 57, looking for a friend. If you need a friend, please write & I will respond, but please include your address in your letter, or I can’t respond. J26689IC SWtFIC, brown hair, green eyes, 135 lbs., Enjoy being outdoors, camping, fishing, swimming. Looking for someone to spend time with & be my best friend. Older men are OK. You can see me on Facebook. TS26690IC SWtFIC, Italian Princess, petite, long hair, fun, exciting, caring, funny, uplifting, interested in cooking, music. Looking for a special friend or more. Willing to please. ND26691IC FIC, 41, blonde hair/hazel eyes, 5’4”, slim build with fake DD implants. Looking for a mature man that likes adventure. TB26692IC FIC, Life’s too short, let’s have some fun. Looking for friendship that possibly leads to more. 48, brown hair, beautiful blue eyes. Not into games/ drama. JG26693IC WE DO NOT RUN ANY IC-LBYL ADS WITHOUT YOUR IDENTIFYING NUMBER. THESE MAILINGS ARE RETURNED BACK TO US, NON DELIVERABLE. ALSO YOU MUST SIGN UP I GUESS TO RECEIVE MAIL FROM LBYL. Inmates, seems you may need to be on some kind of mailing list at the prison. Inquire at your place. Thanks. The Valley Trader would like to thank everyone who places an ad in this column and also the people who respond. The number of responses we have been receiving has been GREAT!!! If you meet that “special person” from communicating through our column, let us know. Did you marry? Are you dating? We would like to know! Write us a short note we can print. Of course, we’ll only print it with your initials. ATTENTION: We have no control over where our Look Before You Leap ads arrive from, and being a free press, we will place them in our column.

YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — CALL TODAY 570-444-9850

d Medal in Financial Fitness

(c) BrianAJackson / iStock via Getty Images Plus (StatePoint) When it comes to financial fitness, careful training and preparation may not get your face on a cereal box, but it could score you a gold medal in savings. Over the past year the pandemic has changed the game, with many Americans looking to shape up their savings. According to a March 2021 Consumer Sentiment Study by Lincoln Financial Group and CivicScience, one in four employed adults feel they are lagging behind in saving for retirement, and fewer than one in 10 would award themselves a gold medal across five categories of financial fitness: managing debt, sticking to a budget, saving for retirement, choosing benefits at work and being financially prepared for an emergency. “Having the right benefits in place to protect you today, while planning for your tomorrow, has become more important than ever, and it all starts with having a complete picture of your financial wellness,” said Jamie Ohl, executive vice president, president, Workplace Solutions, head of Operations and Brand, Lincoln Financial Group. “It’s a journey, much like fitness, and you can’t start without taking the first step toward the financial future you envision.” Lincoln Financial offers three steps to shape up your savings and score the financial future you desire: 1: Have the right equipment: Get an accurate financial snapshot of where you are now. A good place to start is with financial wellness tools, which many employers offer their employees. With these tools, you can create a personalized action plan and improve your financial well-being, whether that’s a plan to pay down debt or create an emergency savings fund. You can also take advantage of retirement income estimators to get a realistic view of your income sources in retirement. And for those struggling with competing financial priorities, including debt, Lincoln’s debt calculator can help. 2: Set a goal: Just like athletes aspire to be at the top of their sport, you can set a specific goal to work toward while celebrating the small victories along the way. A good rule of thumb is to save at least 10% to 15% of your pay. If that feels out of reach, start where you can and try increasing contributions a little each year to see big changes in total savings over time. In the years leading up to retirement, you have the option to make catch-up contributions if you are behind where you want your savings to be. 3: Meet with a financial “coach” to determine a game plan: Improving your financial fitness is a team sport. Your financial professional, employer, retirement plan provider — they’re all there to help. A financial professional can help you take a holistic view of your finances, from accumulation to protection to distribution, helping ensure all considerations are taken into account and planned accordingly. If your employer offers retirement consultants, schedule a meeting to help you understand the full picture of your savings and where to focus your efforts. Just like it can be hard to find time for workouts, the same goes for exercising financial fitness, and your competing priorities can have an impact on savings. The good news? There’s always time to formulate a financial game plan and score a spot on the savings podium. *****

Jeffrey D. Mertz, Owner

Home Made Sausage, Scrapple & Ring Bologna Quality Beef, Pork, Cold Cuts & Dairy Products

1177 Susquehanna Trail 2 Miles North of Northumberland 17857

570-473-7363

Monday-Saturday 9-5, Closed Sunday

Y LF B AIL A H TM EC DIR

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REACH 11 CENTRAL PA 27,500 COUNTIES IN Readers WEEKLY 27,500 COPIES

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YOUR HOMETOWN COMMUNITY PUBLICATION OF THE SUSQUEHANNA VALLEY • THE VALLEY TRADER Weekly • October 4, 2021 - October 10, 2021 • PLACE A CLASSIFIED AD — TEXT TODAY 570-444-9850 DIAL #1

VALLEY HO respondents have done this.” Communication is Key Although most Americans are likely to be directly affected by natural disasters at some point in their lifetime, only 32% have had a conversation with family members about how they would locate each other if they were separated during such an event. The survey revealed that only 37% of parents have discussed the possibility of disasters with their school-age children, only 36% of parents have made plans for schoolage children in case they can’t get home, and just 13% have

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discussed disaster plans with their neighbors or community. “Because a natural disaster can occur anywhere, any time,

it’s crucial to have a detailed emergency plan and communicate with your family how you will protect one another,” says Price

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