The Siuslaw news. (Florence, Lane County, Or.) 1960-current, November 25, 2017, Image 23

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The Siuslaw news., November 25, 2017, Page 23, Image 23

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Newspaper Page TextSATURDAY, NOVEMBER 25, 2017 ❚ SIUSLAW NEWS It’s Time To Get Smart About College Savings (NAPSA)—Fall: It’s a time of bright leaves, crisp apples, family feasts and a chill in the air. But for many American families, there’s a chill in the pocketbook, too, as parents around the coun- try consider the daunting challenge of saving for their children’s college education. The cost of college is ris- ing and Americans are wres- tling with ever-increasing amounts of student debt. It has been estimated that by 2033, based on inﬂ ation rates, it could cost $262,000 to cover four years of tu- ition, room and board at a private college. The situa- tion isn’t much better if you go the public route. Send- ing your child to a four-year state university could set you back up to $134,000. While saving for col- lege may seem like an overwhelming task, there are tools available to make the impossible seem pos- sible. One essential tool that all parents (and students) should consider is the 529 college savings plan, a tax- advantaged savings plan that is speciﬁ cally designed to encourage saving for fu- ture college costs. “A 529 college savings plan is an incredibly help- ful investment tool to con- sider when it comes time to buckle down and save for college,” said Rachel Ra- mos, Product Manager of Investment Services Wealth Management at Capital Group, home of the Ameri- can Funds® and one of the world’s leading investment management ﬁ rms. “They are designed to beneﬁ t families and come with at- tractive and compelling beneﬁ ts.” Why 529s Are so Valuable A 529 plan should be a part of your college savings plan for many reasons: • Investments within the plan grow tax-free, and in many states, the account owner is eligible for full or partial state income tax de- ductions for contributions to a 529 plan. • When money is with- drawn from the account, it is tax-free if the funds are used for qualiﬁ ed educa- tion expenses, including tuition, books, room and board, computers or other supplies. • If your student is awarded a scholarship or doesn’t use the entirety of the funds, the owner of the 529 account can change beneﬁ ciaries at his or her own discretion and without limitation. • These accounts never expire, so those assets can be used for graduate school, or can even be passed down to younger siblings or fu- ture grandchildren. “It’s a common misper- ception that 529s are only for college savings,” con- tinued Ramos. “But 529s are surprisingly ﬂ exible. For example, if you’re interested in pursuing higher educa- tion for a new hobby or skill, those expenses could be covered with money saved in a 529 plan.” Millennials—the gen- eration seemingly most impacted by student loan debt—are very focused on saving for their children’s education. According to a recent survey issued by Capital Group, 31 percent of millennials report that not having enough money to pay for their children’s education keeps them up at night. A similar number, about one in three, said that 529 college savings plans are a very important beneﬁ t an employer could offer. How 529s Work Brought to you by this newspaper in partnership with PUBLIC NOTICES Always in your newspaper: Now in your inbox, too. Think a 529 isn’t for you? Consider this: Any- one, regardless of income, can contribute to a 529 ac- count, making it a nice one- size-ﬁ ts-all gift that never goes out of style. Plus, 529s are not just for saving for a child’s education—529s can be used to explore intellec- tual passions and expand horizons well into retire- ment. In a 529, investors are able to front-load up to ﬁ ve years in contributions, or contribute up to $14,000 ($28,000 for married cou- ples) annually, without gift- tax consequences. These beneﬁ ts make contributing into a 529 plan, or opening up a new one, an attractive gift choice for grandparents and family members. How to Choose the Right 529 There are a number of choices that savers can make when choosing a 529 plan. Most importantly: Do your homework and select the right one for your family that will pay off in the long run. Determine investment goals and then ﬁ nd a plan with ﬂ exibility, low fees and low minimum investment. In addition to state- sponsored 529 options, a number of investment ﬁ rms offer 529s. CollegeAmerica® 529 Savings Plans, the na- tion’s largest 529 college savings plan, is a strong option that offers low ex- penses and ﬂ exible, easy- to-use investment options, including target date funds. CollegeAmerica® has been consistently recognized by Morningstar®, an invest- ment research and invest- ment management ﬁ rm, as a highly rated advisor-sold 529 plan. Paying for college shouldn’t be the most difﬁ - cult part about college. Re- lax, take a deep breath and start saving. 999 ✦ PUBLIC NOTICE IN THE CIRCUIT COURT OF THE STATE OF OREGON IN AND FOR THE COUNTY OF LANE, THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE (CWALT 2005-77T1), Plaintiff v. PA- MELA K. STATON AKA PAMELA KATHLEEN STATON; GERALD HEBARD; PAULA HEBARD; REAL TIME SOLUTIONS, INC.; and all other persons, parties, or occupants unknown claiming any legal or equitable right, title, estate, lien, or interest in the real property described in the complaint herein, adverse to Plaintiff`s title, or any cloud on Plaintiff`s title to the Property, Defendants. Case No. 17CV12880 SUMMONS BY PUBLICA- TION TO THE DEFENDANT: PAMELA K. STATON AKA PAMELA KATH- LEEN STATON: In the name of the State of Oregon, you are hereby required to appear and defend the complaint ﬁ led against you in the above entitled Court within thirty (30) days from the date of the ﬁ rst publication of this summons. The date of ﬁ rst publication in this matter is November 18, 2017. If you fail timely to appear and answer, for want there- of, plaintiff(s) will apply to the court for relief demanded in the complaint. This is a judicial foreclosure of a deed of trust in which the plaintiff requests that the plaintiff be allowed to foreclose your interest in the following described real prop- erty: A parcel of land in the Southeast one-quarter of Section 27, Township 15 South, Range 12 West of the Williamette Meridian, described as follows: BEGINNING at a point on the Westerly right-of-way of U.S. Highway No. 101, said point bears North 811.65 feet, West 1440.78 feet, and North 2 degrees 47’ West, 234.20 feet from the Southeast corner of said Section 27; thence North 2 de- grees 47’ West 175.00 feet; thence South 71 degrees 27’21” West 373.81 feet; thence South 2 degrees 47’ East, 86.76 feet; thence North 85 degrees 06’ East, 360.00 feet to the point of beginning, all in Lane County, Oregon Commonly known as: 95330 HWY 101 S, YACHATS, OREGON 97498. NOTICE TO THE DEFENDANT: READ THESE PAPERS CAREFULLY! You must “appear” to protect your rights in this matter. To “appear” you must ﬁ le with the court a legal paper called a “motion” or “reply.” The “motion” or “reply” must be given to the court clerk or administrator within 30 days along with the required ﬁ ling fee. It must be in proper form and have proof of service on the defendant’s attorney or, if the defendant does not have an attorney, proof of service on the defendant. If you have questions, you should see an at- torney immediately. If you need help in ﬁ nding an attorney, you may call the Oregon State Bar’s Lawyer Referral Service at (503) 684-3763 or toll-free in Oregon at (800) 452-7636. The Oregon State Bar`s web address is http://www.osbar. org. This summons is issued pursuant to ORCP 7. Malcolm • Cisneros, A Law Corporation, Nathan F. Smith, OSB #120112, Nathan@mclaw.org Attorneys for Plaintiff 2112 Business Center Drive, Second Floor, Irvine, CA 92612, P: (949) 252- 9400, F: (949) 252-1032 Publication Dates: November 18 & 25, December 2 & 9, 2017. N o w yo you o u ca c a n st t ay a y inf i nf n for o r me or med e d AND AN N D kee e p th h o s e pu p ub b l ic n ot o t ic c es e s i in n th h e ne n e ws w pa p a pe er. r Vehicle & Boat Promotional advertising section 850 will continue to run your ad until sold providing you call the Siuslaw News 541-997-3441 Before the end of the Month. SERVICES: DIVORCE $155. Complete preparation. Includes chil- dren, custody, support, property and bills division. No court appearances. Divorced in 1-5 weeks possible. 503- 772-5295. www.paralegalalternatives.com legalalt@msn.com Social Security Disability? Up to $2,671/mo. (Based on paid-in amount.) FREE evaluation! Call Bill Gordon & As- sociates. 1-855-747-7830. Mail: 2420 N St NW, Washing- ton DC. Office: Broward Co. FL., member TX/NM Bar. A PLACE FOR MOM. The nation's largest senior living referral service. Contact our trusted, local experts today! Our service is FREE/no obligation. CALL 1-888-651-5669 Life Alert. 24/7. One press of a button sends help FAST! Medical, Fire, Burglar. Even if you can?t reach a phone! FREE Brochure. CALL 866-943-6687. Become a published author! Publications sold at all major secular & specialty Christian bookstores. CALL Christian Faith Publishing for your FREE author submis- sion kit. 1-855-861-4571. Earthlink High Speed Internet. As Low As $14.95/month (for the first 3 months.) Reliable High Speed Fiber Optic Technology. Stream Videos, Music and More! Call Earthlink Today 1-855-977-9436. DISH Network. 190+ Channels. FREE Install. FREE Hop- per HD-DVR. $49.99/month (24 months). Add High Speed Internet - $14.95 (where avail.) CALL Today & SAVE 25%! 1-866-373-9175. INVENTORS - FREE INFORMATION PACKAGE. Have your product idea developed affordably by the Re- search & Development pros and presented to manufac- turers. Call 1-855-404-7583 for a Free Idea Starter Guide. Submit your idea for a free consultation. DIRECTV. Call & Switch Now - Get NFL Sunday Ticket for FREE! Every Game. Every Sunday. CHOICE- All-In- cluded Package. Over 185 Channels. $60/month (for 12 Months.) CALL 1- 888-263-2310. Spectrum Triple Play! TV, Internet & Voice for $29.99 ea. 60 MB per second speed No contract or commit- ment. More Channels. Faster Internet. Unlimited Voice. Call 1-855-613-2321. MISCELLANEOUS: SAWMILLS from only $4,397.00-MAKE MONEY AND SAVE MONEY with your own bandmill-Cut lumber any dimension. In stock ready to ship! FREE Info/DVD: www.NorwoodSawmills.com 1-800-578-1363 Ext. 300N. Portable Oxygen Concentrator May Be Covered by Medicare! Reclaim independence and mobility with the compact design and long-lasting battery of Inogen One. Free information kit! Call 855-993-3685. DONATE YOUR CAR, TRUCK OR BOAT TO HERITAGE FOR THE BLIND. Free 3 Day Vacation, Tax Deductible, Free Towing, All Paperwork Taken Care Of. CALL 1-800- 918-1105 DENTAL INSURANCE. Call Physicians Mutual Insurance Company for details. NOT just a discount plan, REAL cov- erage for 350 procedures. 844-239-9335 or http://www.dental50plus.com/25 Ad# 6118 Good Luck Saturday’s Graphic 990 ✦ STATEWIDE CLASSIFIEDS GOT AN OLDER CAR, VAN OR SUV? Do the humane thing. Donate it to the Humane Society. Call 1-877-246- 1527. Graphic Search That T Th h at’s at t ’s ’ s w hy y w e ke e ep e p s sa ay a y in ing g y ourr l loc ocal al and sta tate t g ovv e r nm n m en n t sh h ou u ld l d k eep e e p ee p u bl pu b is ishi hing ng g t the heir ir p pub ub b lil i c no noti ticess in n t the he n newsp pap aper er.. publicnoticeads.com/or 990 ✦ STATEWIDE CLASSIFIEDS PUBLIC NOTICE Notice is hereby given that the Port of Siuslaw is request- ing informal solicited proposals to perform roof repairs to Mo’s Restaurant, located at 1436 Bay Street, Florence, Or- egon, Lane County, 97439. Deadline for proposals is 5pm December 13, 2017. For more information, contact the Port of Siuslaw, 100 Harbor Street, Florence, Oregon, 97439, 541- 997-3426. A copy of the RFP can be downloaded at http:// portofsiuslaw.com. Publication Date: November 25, 2017 I f n o b o d y k n o w s w h a t ’ s g o i n g o n , n o b o d y c a n d o a n y t h i n g a b o u t i t . J stt g Ju go o to t o p u ub b li i cn cnot n ot o tic t i ceads d .com/o ds /or, sig gn u up p f or r t h he e f fre r e e Sm re m a ar r t tS S e ea a rc r c h se s e rvic rv v ic ce, , an n d g ge e ett a al l l o of f t hi hiss p pa a pe e r r’’ s pu p u bl b l lic i c n ic not ottic i es s d del e iv el i er ered e d t o y yo ed o u vi v i a em m ai a l.l 999 ✦ PUBLIC NOTICE Smart Health Dental Insurance. Most Dental Proce- dures Covered. No waiting periods! Most Plans Start at About $1 a Day! FREE No Obligation Quote. Call Now! 1-844-486-3305. National Novel Writing Month Here is how it works… We will put a graphic or photo in the box to the left. You find it somewhere in the classifieds. Come into our office, Enter your name, phone number and describe where you found the graphic Attention Sleep Apnea Patients: AmericareCPAP can help you get your mask and supplies for Little or No Cost with Private Insurance or a Medicare Replacement Plan. For VIP Service Call 1- 855-463-8319. or bring in a clipping to attach to your entry into the drawing for a gift certificate. Were you an INDUSTRIAL or CONSTRUCTION TRADESMAN and recently diagnosed with LUNG CANCER? You and your family may be entitled to a SIG- NIFICANT CASH AWARD. Call 1-866-738-8251 for your risk free consultation. Gift Certificates must be picked up within 2 weeks of winning Deadline for today’s paper: Monday by 3:00 PM DAVID JEFFERIS found the America Recycles Day Graphic on page 9B (Bottom right corner of heading ‘Pointers For Parents’) He won a gift certificate to The Chicken Coop. (No Commercial Vehicles) Y ELLOW D IRECTORY S ERVICES Wednesday’s Graphic N eed a C ontractor? L ooking P rofessional? for a The following businesses are ready and waiting for YOUR Call!! Wednesday and Saturday in the Siuslaw News D-040 BLINDS / INTERIOR D-077 ELECTRICAL D-182 (offer thru Dec. 31, 2017) Environmentally Responsible Free Inspections Blinds • Shades • Draperies • Shutters We Design ~ We Install 541-997-4027 Residential • Commercial • 30 Years Experience D-070 PEST CONTROL For What’s Bugging You Free cordless upgrade on shades CCB#212734 541-991-3405 CCB#79884 CONSTRUCTION/CONTRACTORS D-222 REAL ESTATE G ENERAL C ONTRACTOR Lynnette Wikstrom – Broker (541) 999-0786 We specialize in Structural Problems and Dry Rot Living in the Florence area since 1979. Robert’s Handyman Service Call Robert or Marcus 541-997-5970 • 541-991-7870 (cell) COAST REAL ESTATE D-085 100 Highway 101 Florence, OR 97439 EXCAVATING 30 Years Experience • Reasonable Rates• Senior Discount • Lic. #209676 LEISURE EXCAVATING INC. CCB #192681 DEQ #37943 LANDSCAPE MATERIALS • CAT WORK • CLEARING GRADING • SAND & GRAVEL - U-HAUL or DELIVERY BARK • CEMENT MIX • DRAIN FIELD ROCK • SEPTIC SYSTEMS TOPSOIL WHEN AVAILABLE Call for Free Estimate – DEQ#37263 997-6300 Ray Wells, Inc CB# 91052 E XCAVATING • S EPTIC S YSTEMS • S UBDIVISIONS L AND C LEARING • P AVING • T RUCKING B RUSH & D EBRIS R ECYCLING • D EMOLITION P H . 541-997-2054 • F AX 541-997-3499 • 1-877-201-0652 P.O. B OX 3467 • 1770 L AUREL P L . • F LORENCE , OR 97439 11B D-266 WINDOWS Yes! WE DO WINDOWS! Window Cleaning Commercial • Residential Connie, Bill & Mike Spinner–997-8721