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January 27, 2023

Personal Finance: Build a Ladder-And Buy Some Peace of Mind

January 24, 2023

By Chip Wagner–

Financially speaking, 2023 is going to be a bumpy ride. We anticipate volatile interest rates and high energy costs, the prospect of a recession, continuing supply chain problems, an ongoing war in Europe and (last but not least) the threat of a politically induced default on the national debt.

One silver lining: BONDS now pay their highest yield in more than a decade. This follows the worst performance on record for the bond market. That said, yields have increased dramatically in CDs. One conservative way to benefit and not to have to guess about the future direction on interest rates is to build a short maturity CD ladder with brokerage CDs which are currently paying around 4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a}.

First some definitions:

CDs are “certificate of deposits” issued by banks. They are FDIC insured and issued for various time periods.
Brokerage CDs are issued by banks and re-sold by brokerage houses but they typically bear higher interest rates and are and are FDIC insured.
A CD ladder is a portfolio of individual CDs that mature on different dates (e.g. 6 months, 12 months, 18 months, etc,), helping investors average out their interest rate bets and avoid guessing about the direction of interest and trying to time the market.

The advantage of investing in a Brokerage CD ladder of short maturities (duration) is that not only do you avoid pesky early withdrawal penalties, but when each CD matures, you also can decide whether rates are favorable enough to re-invest. If so, you lock in a favorable rate for a new term. If you decide not, you can cash out and seek better returns elsewhere.

Developing the discipline of rolling over into successive short term Brokerage CDs can help investors ride out interest rate fluctuations. Many are staying with short maturities of 6 to 24 months which, as mentioned above, are currently in the 4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} range. Another advantage of Brokerage CDs is instead of compounding, interest is paid out to savers in regular intervals.

You’ll need a brokerage account to purchase Brokered CDs. If you already work with a financial advisor or financial planner you can ask them about buying brokered CDs.

Investing in a ladder of Brokered CDs will allow you take advantage of strong rates as they come up in the market instead of missing out while you guess rates are going higher and you wait for a bulleted single CD to come available.

Why build a CD Ladder?

Bonds now pay their highest yield in more than a decade. This follows the worst performance on record for the bond market. That said, yields have increased dramatically in CDs.

One conservative way to benefit and not to have to guess about the future direction on interest rates is to build a short maturity CD ladder with brokerage CDs which are currently paying around 4{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a}.

Chip Wagner is a longtime member of the Rotary Club of the Tarrytown’s. Now retired after 38 years at Merrill Lynch, his new mission is to educate people to manage their finances wisely. This spring, he is teaching two classes at Westchester Community College:

Living Thirty Years Without a Paycheck–Discover what you need at every stage of retirement planning starting at age 50. Come learn how you can create the retirement plan you want based on the following: defining your goals for a successful retirement; learning the basics of financial planning and what strategies will combat inflation and taxes; and how to allocate your investments. CE-FIN 2085, 2 Tues., Feb. 21-28, 6:00-8:00 pm, KNC-3, $55.

Six Concepts to Improve Your Financial Literacy—Learn six concepts to help you better manage your personal finances including budgeting, cash flow, yield, FICO scores, net worth and equity. CE-FIN 2083, 2 Tues., Apr. 11-18, 6:00-8:15 pm, KNC-3,

To find out how to register, call 914-606-6830, press #1 or email workforceandcommunity@sunywcc.edu

Read or leave a comment on this story…

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November 29, 2022

Cyber Monday personal finance gifts to buy now

Blue sofa with gifts and table with laptop and credit card for online Christmas shopping. — From college financial savings strategies to retirement setting up and insurance coverage protections, offers tied to private finance are useful very long past the holidays.

Getty Photos

As the holiday browsing season heads into superior equipment with Cyber Monday, you may well want to glimpse for options to high priced toys or actual physical items. Think about a different kind of present – a money a single. There are lots of strategies to give generously moreover a wad of money or a verify inside a holiday break card.

Begin with a discussion, suggests Angela Furubotten-LaRosee, direct economical planner at Avea Financial Organizing in Richland, Washington. Subjects can include running credit rating playing cards and personal savings, early vocation workplace added benefits and handling the economical photo for aging parents or retirement. Convey up what you have acquired from faults, much too, she indicates.

“Households just will not speak ample about the superior, the poor, and the reality bordering their have fiscal condition,” Furubotten-LaRosee mentioned.

Cyber Monday individual finance presents to obtain now

Once you’ve talked with your family, you may have a far better idea of what would make a excellent reward. Right here are a handful of strategies from industry experts:

Money arranging

You can aid a beloved 1 straighten out their finances, program for the long run and even get their estate in order by selecting an online economic adviser or planner.

“For any person that does not previously function with a CFP, gifting time with a single is great, specially this time of 12 months and can assist to start off the New 12 months on more powerful monetary footing,” reported Melissa Sotudeh, a CFP and director of advisory solutions at Halpern Economical, a Washington D.C.-location organization.

Get began on line now.

Estate planning

Estate arranging, ncluding wills, wellbeing directive preparation and lifestyle insurance can be a specially helpful reward.

“It is some thing that most people place off and won’t get for on their own,” reported Mark Struthers, a accredited monetary planner with Minneapolis-based Sona Prosperity Advisors.

Lifetime insurance

Daily life insurance policies payments can also make a good gift as part of economical preparing at any age, like estate arranging, professionals note. Supporting somebody make payments to retain this protection may well be appreciated.

Get started off on-line now.

Contribution toward a Roth IRA

In 2022, the annual contribution restrict is $6,000 a 12 months or $7,000 a yr for individuals 50 or older, so be acutely aware of how significantly you’re contributing as opposed to a person’s restrict and past contributions.

Get started on the internet now.

Pet coverage

Pet insurance plan can be most welcome for the proper receiver.

“I have experienced individuals give a certification to exhibit they purchased it and the folks that gained it cherished it,” Struthers states.

Get started on-line now.

Gold

Gold is traditionally imagined to be a hedge towards inflation as its value can rise in an uneven financial system. For youthful folks searching to diversify their portfolio, it could make sense to pursue gold as an asset.

Get began on the net now with a absolutely free wealth defense package.

Money presents for kids

There are various varieties of accounts that you can open for young children that will help them stay a financially safe lifestyle perfectly into adulthood.

Custodial Roth IRA (or kid’s Roth IRA)

A custodial Roth IRA follows Roth IRA principles with some significant caveats. A custodian manages soon after-tax contributions – commonly, a parent, guardian or grandparent – till the child reaches legal adulthood (age 18 to 21 depending on the state).

“In purchase for the little one (or anyone) to be in a position to make a contribution to a Standard IRA and/or a Roth IRA, the little one must have their own acquired cash flow for the contribution yr,” stated Alicia Reiss, a qualified monetary planner (CFP) and owner of the digital business The Organization of your Everyday living.

Small children never have to have to use their very own dollars to make the contribution but contributions can not exceed additional than the kid gained that calendar year, Reiss provides.

Get began on the net now.

529 prepare for college or university

A 529 account will work like an financial investment account for educational uses only. Details fluctuate by state and contributions to 529 ideas can be useful when it will come to taxes. Funds may well only be withdrawn for particular instructional applications or you will facial area a penalty.

A 529 approach “can be improved than the [children’s] Roth given that the owner, the mother or father, or the grownup, does not give up manage,” mentioned Struthers. “And simply because it is schooling distinct, it tells the baby that you imagine that they CAN get the grades and CAN get into faculty.”

Uniform Transfer/Gift to Minors Act accounts (UTMA/UGMA)

These are investment accounts designated for little ones that transfer to them at the age of the vast majority – 18 in most states but up to 21 in others.

Don’t forget to check tax boundaries and rules

It truly is essential to be aware of gift and estate tax restrictions, notes Brett Spencer, a CFP and founder of Boston-based mostly Affect Economical. For 2022, gifts in excess of $16,000 (the once-a-year exclusion amount of money set by the IRS) can be taxable.

It also assists to be mindful of financial aid qualification restrictions, especially if a young grownup is receiving completely ready to fill out a Federal Software for Financial Student Assist or FAFSA, authorities be aware.

“If a present is intended for a grandchild’s training, grandparents may possibly want to own the account with the kid listed as the beneficiary,” Spencer notes. That’s simply because the belongings of both of those mom and dad and child may well be counted when calculating higher education economical assist eligibility. Grandparents usually are not generally regarded in the equation, he notes.

August 23, 2022

When to buy travel insurance, and when to skip it

By Judy Colbert

It can aid some vacationers evade financial catastrophe, but defense is not generally a excellent worth

This posting is reprinted by permission from NextAvenue.org.

Lori Park, a Chicago-location resident, and her 80-year-previous mother Nancy Park were on a cruise to Hawaii when Nancy became unwell. She put in 5 days in the ship’s clinic in advance of being evacuated to Mexico and then flown again to the United States.

All that health care treatment and transportation added up to 1000’s of bucks in surprising charges, but it was all included by $436 really worth of vacation insurance coverage that the two gals had procured just before setting sail.

Lori Park claims she by no means will take a holiday vacation devoid of insuring it. “It truly is a little something I consider important whenever I journey,” she notes.

Do you need to have journey insurance policies?

There are five broad types of travel coverage: flight insurance policies that pay out if your airplane crashes baggage insurance policies to go over broken, dropped or stolen luggage interruption/ cancellation insurance plan to repay you for outings that really don’t transpire professional medical insurance policy for health care provider visits and clinic stays and evacuation coverage that pays to go you to an ideal health-related facility. You can get them individually or in bundles.

Travel specialists say that insurance coverage can aid individuals stay away from perhaps catastrophic prices, as it did for the Parks. But it is not needed for everybody.

“Insurance policy provides about 13{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} to the value of a journey,” states Jay Smith, president of Sporting activities Vacation and Tours in Hatfield, Massachusetts, which specializes in sports activities outings. “If somebody is traveling locally, or if the airfare is refundable or usable in the potential, and the resort has a cancellation prior to vacation — even if it is 48 several hours before–then there isn’t a genuine reason for coverage.”

You don’t will need insurance plan that addresses the price of lodging and airfare if you strategy to keep with close friends and get your ticket with redeemable recurrent flyer details. You would insure just for activities that would expose you to major economical losses (for case in point, acquiring a really serious ailment requiring hospitalization or missing a cruise since of flight delays).

Also study:12 means to regulate your vacation for inflation

How to store for travel coverage

To discover an correct coverage, you should think about the sort of coverage you want and how substantially possibility exposure you can afford, and then shop close to for a minimal quality.

Insurance coverage companies established the value of a plan by hunting at your location, modes of transportation (scheduled airline or charter? rental car or taxis?) lodgings (cruise ship? vacation resort? Airbnb?) pursuits (swimming with sharks? skydiving?) and the local temperature (hurricane period in the Caribbean?).

Then, they glance at age and pre-present problems. Insurance will be additional expensive for somebody in their 80s than in their 70s. Men and women in their 70s, using an prolonged international cruise, even fully vaccinated, have noticed offers of $10,000. Which is why it truly is critical to store and examine procedures, added benefits and fees.

What coverage do you want or require? With COVID still active, you may want to deal with you and your social gathering for the sickness. Select a plan that presents primary healthcare coverage somewhat than secondary protection the latter involves you to post promises to your standard wellbeing insurance provider initial and later pursue the journey coverage firm for any remaining equilibrium owed.

The price tag of vacation insurance policies will depend on how considerably professional medical and evacuation protection you obtain. Better greenback limitations are improved, but extra pricey. You could want to take into account “terminate for any reason” coverage, which, as the identify indicates, will reimburse the expense of a trip you cancel for any reason — even if you just alter your thoughts.

“It’s always a excellent concept to deal with your prepaid, nonrefundable journey expenses, specifically during hurricane season,” states Dan Drennen, director of revenue and promoting for the Travel Insurance policies Centre in Omaha, Nebraska. “If you have legitimate journey cancellation-interruption protection which was purchased prior to a storm being named, then you can relaxation effortless understanding that if a hurricane does spoil your journey, it won’t demolish your bank account.”

It does not take a hurricane to illustrate why it truly is worth looking at vacation coverage. Janet Jones Caraker, of Island Jack’s Journey in Dexter, Missouri, suggests she is familiar with 1 traveler who took her overall spouse and children, husband, developed young children, and grandchildren on a trip to Eire. They selected not to buy coverage and though they had been there, the woman’s partner died.

“You can find no grief like possessing to [pay] $100,000 to have her husband’s stays taken care of and delivered household,” suggests Caraker. “There are people today who can afford to pay for that, but most won’t be able to.”

It truly is not just how significantly you may well reduce if you can’t or you should not take this excursion it’s how much will a replacement holiday established you again? How much additional high priced will transportation, lodging and actions be upcoming calendar year, or the one particular following that? And when will you have a prospect to take that family vacation, notably a bucket-listing journey requiring coordination of trip days for associates of many families?

Also see:Don’t be fooled by these myths about travel insurance plan and what it handles

How to save revenue on vacation insurance

Just as coverage can differ from just one insurance company to another, so can price tag. To help save revenue on insurance policies, start out by checking your credit score card to see if it supplies coverage. If you pick to fork out for insurance policy, acquire as little as wanted — if your luggage is valued at $2,500, never insure it for $15,000. If you spend for a cruise, resort or flights with replaceable factors, you don’t require to insure them at all.

For the most part, Medicare does not give coverage outside the United States. If you have a private Medicare Advantage or Medicare Supplemental plan, see if it delivers these kinds of protection. If not, you will have to have a vacation insurance policy coverage that will reimburse medical expenses abroad. If you vacation usually, consider an annual plan that handles all of your outings.

If you are paying out for your family vacation in installments just before you journey, will the insurance company allow for you to pay out for insurance policy in similar installments? You don’t want to fork out the whole charge of insurance if you have put down only a 10{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} deposit.

Ascertain what a pre-existing problem is. Normally, if you have diabetes, for case in point, that’s only viewed as “pre-existing” if your medicine is altered within just two weeks or so of your departure.

Related: Why pay for vacation insurance plan? You could by now be lined

The bottom line is that if you go buying for travel coverage, you have to examine the fantastic print and make copious notes so you can review what is actually made available, what is not and what it will charge.

Judy Colbert, the author of 36 books, writes about journey and the company of vacation.

Much more from Next Avenue:

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(Conclude) Dow Jones Newswires

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August 14, 2022

Travel Insurance: Should I Buy It?

90{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of men and women traveling this summer season reported they are probable to invest in journey insurance, Allianz observed.
But most vacation safety designs will not likely essentially reimburse you for flight delays and cancellations.
This is when it is truly worth it to obtain vacation coverage for your flight this summer season.

We’ve all been there, mouse hovering about the check box: “Are you sure you want to risk your $200 flight by not buying vacation insurance coverage?”

Specifically in the course of a summer time defined by vacation horror stories and mass delays, it truly is tempting to bite the bullet and dole out an more $20 for flight protection without having basically realizing what it covers.

According to an AAA vacation survey, 88{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of travelers say that reimbursement right after a cancellation is the most worthwhile profit of trip insurance policy. But the regular airline prepare would not go over the the vast majority of flight cancellations or delays, Client Watchdog govt director Carmen Balber, a single of the major authorities on private insurance plan difficulties, told Insider.

“The procedures range significantly,” Balber claimed. “The critical issue for customers to know is that numerous of the explanations for individuals flight delays and cancellations are not reimbursable under journey insurance plan.”

For instance, a common journey coverage plan include cancellations because of to mechanical troubles, but not people brought on by staffing shortages. These compact discrepancies make it “truly critical, extra than for most insurance procedures, to browse the wonderful print,” she explained.

“The probability that your flight journey nightmare in an airport this summer season is going to be coated by journey coverage is absolutely in problem,” Balber told Insider. “I would not recommend people invest in travel insurance plan since they worry that there are likely to be airport delays.”

When is purchasing travel insurance policy worth it?

long airport line in portugal during summer travel — Vacationers wait in line at Humberto Delgado Intercontinental Airport on July 09, 2022 in Lisbon, Portugal.

Even though buying trip insurance policies for a a lot less expensive domestic flight is in all probability not important, it may possibly be well worth it to acquire detailed excursion security for any dear global travels you have prepared.

“It is really a distinctive story when you have put $15,000 upfront for a loved ones family vacation to Italy,” Balber told Insider. “When there is certainly a whole lot of income at stake, it can make far more feeling to most likely invest in travel insurance policies.”

A different explanation to obtain vacation insurance policy for international journeys is to be certain clinical coverage when you are overseas. Nonetheless, some credit rating playing cards, like Chase Sapphire Desired, by now have people positive aspects constructed in — so be guaranteed to verify your card’s vacation insurance coverage before doubling up.

Even when traveling internationally, it is essential to pinpoint some of the precise factors you want your flight to be lined and then test the plan’s coverage accordingly.

“If you have a function unexpected emergency and will need to stay residence, normally your travel insurance is not going to go over that. If your kid gets sick and it is not COVID, your vacation insurance policy most likely is not going to go over that,” Balber mentioned. “You will find a good deal of causes that journey coverage don’t doesn’t apply.”

Balber’s ultimate recommendation for these traveling this summertime is to not rely on the insurance policies program provided at look at-out when you purchase your ticket, as all those typically give much less protection than an independent insurance policies broker or credit score card.

“If you really believe vacation insurance is vital, go to your insurance broker, question them for a plan that’s going to be as detailed as you require,” she said. “That will help you wander as a result of the great print with an individual who knows the information alternatively than possessing to rely on the airline and their captive insurance policy organization to support you.”

August 13, 2022

When to Buy Travel Insurance

It can support some vacationers evade economical catastrophe, but defense is not necessarily a fantastic worth for absolutely everyone

Lori Park, a Chicago-location resident, and her 80-year-aged mother Nancy Park had been on a cruise to Hawaii when her mother grew to become sick. She spent five times in the ship’s clinic right before being evacuated to Mexico and then flown again to the United States.

Two older adults wearing snorkeling gear in the ocean. Next Avenue, is travel insurance worth it — If you go shopping for journey insurance policies, read through the fine print and choose notes so you can look at what’s made available, what is actually not and what it will price tag | Credit rating: Getty

All that medical treatment and transportation additional up to hundreds of pounds in unexpected costs, but it was all lined by $436 worth of vacation coverage that the two gals experienced obtained just before environment sail.

Lori Park states she under no circumstances can take a getaway without having insuring it. “It is really some thing I take into account necessary any time I journey,” she notes.

“It can be some thing I look at necessary whenever I journey.”

Do You Will need Journey Coverage?

There are 5 broad forms of travel insurance: flight procedures that pay back out if your aircraft crashes baggage coverage to protect weakened, shed or stolen baggage interruption/ cancellation insurance policies to repay you for visits that will not transpire medical insurance policies for health care provider visits and medical center stays and evacuation protection that pays to go you to an ideal health-related facility. You can acquire them independently or in bundles.

Travel specialists say that insurance policies can support men and women prevent probably catastrophic expenditures, as it did for the Parks. But it is not necessary for every person.

“Insurance plan provides about 13 {1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} to the charge of a excursion,” says Jay Smith, president of Sports Vacation and Excursions in Hatfield, Massachusetts, which specializes in athletics visits. “If somebody is touring domestically, or if the airfare is refundable or usable in the future, and the hotel has a cancellation prior to travel — even if it is 48 several hours in advance of —then there is just not a actual purpose for insurance policy.”

You don’t have to have coverage that covers the value of lodging and airfare if you strategy to continue to be with mates and buy your ticket with redeemable repeated flyer points. You would insure just for functions that would expose you to large economical losses (for case in point, building a major ailment requiring hospitalization or lacking a cruise because of flight delays).

How to Store for Vacation Insurance policies

To discover an proper policy, you should consider the form of coverage you require and how significantly risk publicity you can pay for, and then store around for a lower premium.

Insurance policy organizations set the value of a coverage by on the lookout at your place, modes of transportation (scheduled airline or constitution? rental motor vehicle or taxis?), lodgings (cruise ship? vacation resort? AirBnB?), pursuits (swimming with sharks? skydiving?) and the local weather (hurricane year in the Caribbean?).

Then, they look at age and pre-existing circumstances. Insurance will be a lot more costly for someone in their 80s than in their 70s. People in their 70s, having an extended overseas cruise, even thoroughly vaccinated, have witnessed offers of $10,000. That’s why it is important to shop and examine policies, advantages and prices.

What coverage do you want or require? With COVID even now lively, you might want to cover you and your bash for the disease. Choose a plan that presents major healthcare coverage instead than secondary protection the latter calls for you to submit promises to your frequent overall health insurance provider initially and afterwards pursue the vacation insurance business for any remaining harmony owed.

The cost of journey insurance policy will depend on how a lot medical and evacuation coverage you buy. Higher dollar restrictions are far better, but much more highly-priced. You may well want to look at “cancel for any rationale” protection, which, as the identify indicates, will reimburse the value of a excursion you cancel for any reason — even if you just improve your brain.

“It is really often a great thought to address your pay as you go, non-refundable excursion charges, particularly for the duration of hurricane year,” says Dan Drennen, director of gross sales and promoting for the Journey Insurance policy Center in Omaha, Nebraska. “If you have legitimate vacation cancellation-interruption protection which was bought prior to a storm getting named, then you can relaxation effortless understanding that if a hurricane does damage your vacation, it will not wipe out your financial institution account.”

It does not take a hurricane to illustrate why it truly is well worth thinking of travel insurance policies. Janet Jones Caraker, of Island Jack’s Journey in Dexter, Missouri, says she appreciates a single traveler who took her total spouse and children, partner, grown young children, and grandchildren on a journey to Eire. They selected not to buy insurance policies and although they ended up there, the woman’s husband died.

“There is no grief like having to [pay] $100,000 to have her husband’s stays taken treatment of and transported house,” says Caraker. “There are men and women who can find the money for that, but most won’t be able to.”

“If you have valid vacation cancellation-interruption coverage … you can relaxation effortless realizing that if a hurricane does destroy your excursion, it would not ruin your financial institution account.”

It can be not just how considerably you may well eliminate if you can’t or really don’t acquire this vacation it is how considerably will a replacement vacation established you again? How considerably more costly will transportation, lodging and things to do be future yr, or the 1 immediately after that? And when will you have a chance to consider that family vacation, significantly a bucket-checklist excursion necessitating coordination of vacation times for associates of several households?

How to Help save Money on Vacation Insurance policies

Just as protection can vary from one particular insurance company to yet another, so can value. To help you save money on insurance coverage, commence by examining your credit card to see if it offers coverage. If you pick out to spend for insurance policies, acquire as small as necessary — if your luggage is valued at $2,500, don’t insure it for $15,000. If you fork out for a cruise, resort or flights with replaceable details, you do not will need to insure them at all.

For the most element, Medicare does not present protection outside the United States. If you have a non-public Medicare Advantage or Medicare Supplemental policy, see if it supplies these kinds of coverage. If not, you will require a vacation insurance coverage that will reimburse medical expenditures abroad. If you vacation regularly, take into account an once-a-year policy that covers all of your trips.

If you are having to pay for your vacation in installments right before you vacation, will the insurance company allow for you to shell out for insurance policies in comparable installments? You never want to pay out the total value of insurance policies if you have put down only a 10{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} deposit.

Identify what a pre-current problem is. Typically, if you have diabetes, for instance, that’s only deemed “pre-current” if your medication is adjusted inside two weeks or so of your departure.

The bottom line is that if you go buying for vacation insurance policies, you have to examine the high-quality print and make copious notes so you can look at what is actually made available, what is actually not and what it will value.

July 26, 2022

1 No-Brainer ETF to Buy During a Recession | Business News

If you know of local business openings or closings, please notify us here.

PREVIOUS OPENINGS AND CLOSINGS

· Jimmy’s Barbershop in Allentown has moved to 822 N. 19th Street

· Air Products and Chemicals Inc.’s chosen warehouse developer, Prologis Inc., will have to wait until July 13 for a final decision by Upper Macungie Township’s zoning hearing board on 2.61 million square feet of warehouses.

· Chubby’s of Southside Easton has added Krispy Krunchy Chicken to its offerings and name.

· Curaleaf Holdings Inc., which operates in the U.S. and Europe, will open a medical-marijuana dispensary at 1801 Airport Road, Hanover Township.

· Habitat for Humanity, which has “ReStores” that sell new and lightly used furniture, has leased 30,000 square feet at the South Mall.

· Nat Hyman’s bid to convert an old warehouse at 938 Washington St. in Allentown into 48 apartments did not win zoning hearing board approval this week after neighbors said more housing would make an on-street parking shortage worse.

· Members 1st Federal Credit Union opened a new branch this week at 5605 Hamilton Blvd, Trexlertown. It’s one of five planned for the Lehigh Valley.

· A Turkish restaurant has relocated from one downtown to another, taking its fresh ingredients and cozy atmosphere from Nazareth to 200 Main St., Tatamy.

· The Tennessee Titans have chosen Allentown-based Shift4 Payments to handle payments at Nissan Stadium.

· Wells Fargo Bank held ribbon-cutting at its downtown Allentown branch at 740 Hamilton St.

· The Wiz Kidz outlet at the Madison Farms residential/retail development in Bethlehem Township will hold a grand reopening and ribbon-cutting at noon on July 15.

· Bad Biscuit Company, which offered breakfast with scratch-made biscuits, freshly baked pastry and local, small-batch artisan coffee, said it will cease operations at 16 Columbia Ave. in Reading after its July 1 hours.

· FastBridge Fiber has announced it will build an all-fiber cable network that will offer ultra-fast internet in the Reading area.

· Hamid Chaudhry has said he no longer plans to move forward with pursuing a food truck park he previously proposed on the site of the former Sheetz convenience store and gas station in Exeter Township at 6600 Perkiomen Ave. (Route 422 East).

· The Maxatawny Township Planning Commission has OK’d a proposal for a Mavis Discount Tire store in the Kutztown Road shopping center that features a Giant supermarket.

· Valentino’s Italian restaurant has gotten Maxatawny Township’s approval to remain open when the state transportation department takes one-third of its parking lot to build a traffic roundabout at the intersection of Route 222 and Long Lane.

· Pocono Mountain Harley-Davidson, under new ownership, will hold a “Grand Re-Opening Bash” July 9 and July 10 from 10 a.m. to 5 p.m.

· Sauce West End plans to open in a former Rita’s Italian Ice, just off Route 209 across from the Tractor Supply store in Brodheadsville.

· The Surgery Center of Pottsville, which offered medical procedure services for 16 years in Cressona Mall. will close June 28.

· Wells Fargo has closed its branch office in Langhorne, near the intersection with Maple Avenue.

· The latest PrimoHoagies location in New Jersey held a grand opening at 1930 State Route 57, Hackettstown.

· A new Tractor Supply Co. store in Warren County will have its grand opening in the former Toys ‘R’ Us store in Pohatcong Plaza on July 9.

· Hunter Pocono Peterbilt plans to move Pocono Township operations to Stroudsburg.

· Coal Winery and Kitchen at 81 Broad St., Bethlehem, has closed as its owner searches for a new location for the business, according to its Facebook page.

· Lowhill Township supervisors approved a 312,120-square-foot commercial warehouse and distribution center on a 43.4-acre tract on the west side of Route 100, south of the Kernsville Road intersection.

· The Mint Gastropub at 1223 W. Broad St., Bethlehem, announced that it has temporarily closed to undergo a merger with a “well-known restaurant group” from Bethlehem.

· The Slatington Farmers Market opened its 28,000-square-foot showroom, which includes space for 53 vendors, as well as a 4,000-square-foot event space.

· St. Luke’s University Health Network opened a new pediatric inpatient unit next to the eight-bed pediatric intensive care unit at St. Luke’s University Hospital – Bethlehem.

· 25th Asian House opened at the location of the former Tin Tin Chinese restaurant in the 25th Street Shopping Center in Palmer Township.

· The Chick-Fil-A in Broadcasting Square shopping center in Spring Township was razed to make way for a new, expanded facility for the popular chicken sandwich restaurant.

· Plans for drive-thru locations of a Chipotle and a Starbucks at the intersection of Ivy League Drive and Kutztown Road were rejected by Maxatawny Township planners.

· Cumru Township plannes reviewed preliminary plans for NorthPoint-Morgantown Commerce Center, a 738,720-square-foot warehouse to be built on 75.2 acres at Morgantown Road (State Route 10) and Freemansville Road.

· Kutztown University has plans to expand its historic Poplar House to 13,161 square feet with an addition around its side and back, but keep the 129-year-old structure intact.

· A wine store and beverage outlet could be coming to a new two-unit building along the commercial strip of Blakeslee Boulevard Drive East in Lehighton, Carbon County.

· ChristianaCare, a Delaware health care organization, has announced it will buy the former Jennersville Hospital in West Grove, Chester County.

· Garden of Health Inc. celebrated the opening of the food bank’s new warehouse at 201 Church Road, North Wales, in Montgomery County.

· Silverline Trailers Inc. opened its first location in Pennsylvania and in the Northeast at 223 Porter Road, Pottstown, where it sells utility, cargo, dump, equipment and car hauler trailers.

· A new smoothie and bowl restaurant, Sips & Berries, opened at 285 Maple Ave., Harleysville, in Montgomery County.

· Terrain on the Parkway offers 160 new 1-, 2- and 3-bedroom apartments at 1625 Lehigh Parkway East in Allentown.

· Lehigh Valley native Don Wenner is moving his real estate investment and finance firm DLP Capital from Bethlehem to Allentown at 835 W. Hamilton St.

· While Wells Fargo has been the leader in closing banks lately, it will hold a ribbon-cutting for its new downtown Allentown office at 740 Hamilton St. on June 30.

· If you’re in the market for sterling silver jewelry, minerals and semi-precious gemstones, C& I Minerals is now operating at the South Mall at 3300 Lehigh St. in Allentown.

· The Allentown-based utility company PPL Corp. bought a major Rhode Island utility.

· Ownership at Martellucci’s Pizzeria in Bethlehem has changed, but Paul and Donna Hlavinka and their family are running the pizza place at 1419 Easton Ave., just as it has been operated for 49 years.

· Dr. Jacob Kasprenski’s new Kasprenski Family Eye Care opened at 1088 Howertown Road, Catasauqua.

· Josie’s New York Deli in downtown Easton closed early in the COVID-19 pandemic, but a June 13 Historic District Commission meeting approved a request for a new sign at its building at 14 Centre Square.

· Zekraft cafe has opened its second location in the Easton Silk Mill in Easton. The first Zekraft restaurant was opened in Bethlehem. The restaurants’ menus change frequently, with a focus on local ingredients.

· Manta Massage at 319 Main St., Emmaus, will hold its grand opening on July 10 starting at 11 a.m.

· The former Iron Lakes Country Club, constructed in the late 1950s and early 1960s, will operate at 3625 Shankweiler Road in North Whitehall Township under its new name, The Club at Twin Lakes.

· Prologis, a titan in the logistics industry, will own and operate three warehouses proposed in Upper Macungie Township at the former Air Products headquarters campus at 7201 Hamilton Blvd.

· Lehigh Valley Health Network ceremonially opened its first Carbon County hospital — a $78 million, 100,578-square-foot facility at 2128 Blakeslee Boulevard Drive East in Mahoning Township.

· Pocono Township commissioners voted to accept Swiftwater Solar’s preliminary final plan for the $111 million, 80-megawatt field on a private 644-acre site on top of Bear Mountain that would include about 200,000 solar panels.

· Firetree Ltd. wants to expand its in-patient rehab operation at the former Sands Ford auto dealership at 440 N Claude A Lord Blvd. (Route 61), Pottsville.

· A Dunkin’ in Schuylkill County located at 400 Terry Rich Blvd., St. Clair, has become just the fourth location of the donut and coffee chain to go entirely digital.

· The Conservatory music school in Bucks County will close after 34 years, and school officials say the COVID-19 pandemic is the cause. The nonprofit, located at 4059 Skyron Drive, Doylestown, will close June 30.

· A Popeyes Louisiana Kitchen and Arby’s will be built on the site of the former Ahart’s Market on Route 22 in Phillipsburg, New Jersey.

· Hunterdon County Chamber of Commerce offices and the Unity Bank Center for Business & Entrepreneurship will be located at 119 Main St., Flemington.

· Honeygrow opens Quakertown location, next to Chipotle on Route 309, on June 3.

· Dunkin’ reopens remodeled restaurant at 1174 MacArthur Road in Whitehall Township

· Muse Modern Med Spa at 325 Fifth St. in Whitehall Township will hold a grand opening June 4.

· Around Again, a consignment store, opened at 154 S. Main St., Phillipsburg

· Steak and Steel Hibachi, a restaurant in the works at 44 W. Walnut St., Bethlehem, still plans on opening late this summer.

· Take It Outdoors Recreation Hub has moved to a spot along the Schuylkill River Trail at Riverfront Park in Pottstown, Montgomery County

· Pedego Electric Bikes has a new outlet in Lambertville, N.J. at 13 N. Union St.

· Amanda Vachris has opened a new Keller Williams Real Estate office at 15 St. John St. in Schuylkill Haven.

· Easton’s new West Ward Market will open Wednesday and be open on Wednesday’s through the summer from 3 p.m. to 7 p.m. The market, created by the Greater Easton Development Partnership, will sell fresh produce on 12th Street, next to Paxinosa Elementary School.

· Ciao Sandwich Shoppe is adding a second location, this time on College Hill in Easton. Ciao plans to open at 325 Cattell St. in late summer. Ciao already operates in downtown Easton at 12 N. Third St

· Ma’s Crepes and Cakes will hold a grand opening and ribbon-cutting June 16 at 46 W. Broadway, Jim Thorpe. The celebration starts at 5 p.m., with the ribbon cutting at 5:45 p.m.

· Bethlehem’s Back Door Bakeshop will reopen as a wholesale operation at 7 E. Church St. in the city’s historic district. The business was open for nine years as a retail outlet at Broad and Center streets, before announcing in March that it would close the storefront April 3 and “go back to its origins as a wholesale business.”

·The Beef Baron on Catasauqua Road in Bethlehem is closed indefinitely for renovations

· The Brothers That Just Do Gutters are opening a new location in Allentown at 1302 N. 18th St.

· St. John Chrysostom Academy, an Orthodox school serving grades 1-9 starting this fall, held a grand opening at its St. Francis Center, Bethlehem, campus.

· Easton Commons, a shopping center anchored by Giant Foods at 2920 Easton Ave., Bethlehem Township, has a new name: The Shops at Bethlehem.

· Carbon County is getting a taste of Brazil at Uai Brasil BBQ at 315 Lehigh Ave. in Palmerton.

· The Keystone Pub in Bethlehem Township, at 3259 Easton Avenue, has reopened after a lengthy and expensive renovation.

· The Trading Post Depot opened at 401 Northampton St., Easton. The rustic furniture store makes custom tables for dining rooms, desktops, conference centers and more.

· The Easton area has a new gym: Homemade Fitness at 444 Cedarville Road in Williams Township.

· Il Gaetano Ristorante opened at its 665 Columbus Ave., Phillipsburg, location.

· Ciao! Sandwich Shoppe to open second location on College Hill in Easton, replacing The Kettle Room

· Rene and Grisellies Benique have opened Ezekiel 47 Cafe at 10 S. Fifth Ave., off Fifth and Penn avenues, in West Reading.

· Alter Ego Salon and Day Spa in Emmaus is holding a grand opening Sunday, May 22, from 11 a.m. to 3 p.m., with a ribbon cutting at noon.

· Origen Latin Fusion has opened at the site of the former Tomcat Cafe in Sinking Spring, Berks County.

· Sellersville Senior Residences will hold a ribbon-cutting ceremony May 24. The Bucks County affordable-housing community for adults 55 and older has 50 apartments, with eight allocated for people with behavioral health needs.

· The House and Barn in Emmaus has opened its Shed outdoor dining and cigar bar area. The House and Barn is at 1449 Chestnut St. in Emmaus.

· Realtor Amanda Vachris and the Schuylkill Chamber of Commerce will hold a ribbon cutting at Vachris’s new Keller Williams Real Estate office at 15 St. John St., Schuylkill Haven, at 4 p.m. on May 24.

· Il Gaetano Ristorante will hold a grand opening on Friday, May 20, at 5:30 p.m. The 665 Columbus Ave., Phillipsburg.

· First Commonwealth Federal Credit Union will hold a grand opening at its new headquarters in Trexlertown, 6126 Hamilton Blvd., on May 18.

· Vinyl Press Signs & Graphics has relocated within Emmaus. The new site is 15 S. Second St., not far from the former Sixth Street location.

· Pedro’s Cafe in Emmaus to close

· SV Sports (formerly Schuylkill Valley Sports) to close Quakertown location

· Flemington DIY will host a Grand Re-Opening on May 14 at 26 Stangl Road, Flemington. The celebration will kick off at 10 a.m.

· Elpedio’s Ristorante at Seipsville opened at 2912 Old Nazareth Road in Easton. The restaurant is open Wednesday through Sunday.

· Uai Brazil opened at 315 Lehigh Ave, Palmerton, offering both a seated or buffet option.

· Colombian Mex Restaurant opened at 107 E Union Blvd in Bethlehem, offering traditional Colombian cuisine.

· Precision Ink opened at 161 W Berwick St. in Easton.

· King Wing opened a location in Bethlehem at 129 E. Third St., serving wings and sandwiches.