March 17, 2012 Great Northwoods Journal Page 17

Today’s retiree is living alonger and more active life thanpast generations of retirees. Infact, the very definition of retire-ment seems to be changing.Instead of buying a rocking chair,some people use their earlyretirement years as a time to pur-sue their dreams, begin secondcareers, start a business, or visitthe places they’ve always wantedto see. Even those with moremodest retirement visions arestaying active, many of them con-tinuing to work well into their70’s.

The prevailing wisdom is thatby the time most of us retire, ourexpenses will decrease becausewe’ll have our homes paid off, ourchildren raised, and generallyfewer expenses. But it’s also pos-sible that your retirement yearscould be more expensive—partic-ularly in those earlier years whenyou are most active.

As a retiree, or a person near-ing retirement, you face severalchallenges. Market volatility isnot such a big deal when you are20, in fact it’s an opportunity—but for retirees and pre-retirees,a big market drop could meanhaving to go back to work, delay-ing your retirement, or taking abig cut in your ‘milk money’ budg-et.

Inflation is another force to bereckoned with. Even though thereported inflation number is fair-ly low, the cost of things you needis increasing. During your work-ing years you might have beenable to keep up with inflation byincreasing your income.Additionally, inflation can be apositive force on your long-termequity investments.

Baby boomer retirements are

not the same as their parentswere. It might be helpful to con-sider your retirement as havingthree parts. The early years dis-cussed at the beginning of thisarticle, a less active but stillhealthy middle, and the laterstages where you might expectthings like medical costs toincrease. Thinking about retire-ment in this way, lets you thinkabout which assets you’ll want tohave for each stage of retire-ment—and what possibilities youwant to try and protect yourselffrom.

One helpful approach is to notthink of your retirement assets asone lump sum of money. A goodanalogy might be to think of yourassets as being distributed intothree buckets. Without gettinginto great detail, you fill the firstbucket before anything else—thisis the money you need now orpretty soon. Next you fill the sec-ond bucket, and then—if youcan—the third. It’s like having acow so you can get milk now, acalf so you can get milk later, andmaybe even a bull so you canmake more cows.

I’ve managed to give you somegeneral information about retire-ment income without giving you aspecific recommendation—that’sbecause there are lots of choicesand lots of questions to beanswered before you run out andbuy something (or put it all in cof-fee cans). My advice for retire-ment income: it’s about morethan just finding a good invest-ment, it’s about having a plan.

LPL FINANCIALMEMBER FINRA/SIPC

MrIRA.net603-788-4044

FIVEBy Steve Bissonnette, AAMS

A cow, a calf, and maybe a bull

The Colebrook girls came through the losers bracket to win the A title, at the 51st Annual BobLowe Tournament at Col. Town in Lancaster, 20-11 and 30-23 over Colonel Town. Kneelingin front, from the left are: Amaya Dodier, Callie Lawson, Adrienne LaPerle, McKenzie Scher -er, Melissa Collins, Sykylar Wharem. Standing are: Kelsey Steward, Taylor Siewierski, Cal -lie Dauphinais, Chandla Cooney, Kendra Learned, Melany Hibbard.

(Photo by Arlene Allin)

The host Colonel Town girls played solid defense at the 51st Annual Bob Lowe Tournament,to win the B division, 14-4 over Bethlehem. In the front row, from the left are: Sierra Stowell,Jaycee Murray, Lydia Beaulieau, Makenzie Treamer, Kaitlyn Delafontaine, Danica Watson.In the second row: Lily Monahan, Haile Hicks, Sadie Bushway, Adrianna Robinson, Coach -es Ben Hicks, Ray Murray. (Photo by Arlene Allin)

Alabama rig ----------------------------------------------------(Continued from Page 16)buzz has generated manyinquiries to Fish and Gameabout the legal status of usingthe Alabama rig, or similar fish-ing rigs, in New Hampshirefreshwaters.

The bottom line is that therig’s use in New Hampshirefresh waters is not allowed.That determination is based onthe following New Hampshireregulations:

* RSA 207:1 I Angling: Thetaking of fish by line in hand, orrod in hand to which is attacheda cast of artificial flies, or anartificial bait, or hooks or otherdevices for the attachment ofbait. A person may have in usenot more than 2 such lines atone time. Nothing in this titleshall prohibit the use of a rod-holder in a boat.

* Fis 401.011 “Artificial bait”means any fishing bait con-

structed by humans as an imita-tion or substitute for naturalbait or fish forage and includes,but is not limited to spinners,spoons, poppers, plugs, jigs andplastic, rubber or other artificialimitations of natural bait.“Artificial bait” does not include“fly” as defined in RSA 207:1VII.

The words “an artificial bait”contained in New Hampshire’sstatutory definition of “angling,”mean one artificial bait per line.Attaching additional spinners,spoons, poppers, plugs, jigs andplastic, rubber or other artificialimitations of natural bait is notallowed. Therefore, an Alabamarig is illegal to use in NewHampshire’s fresh waters.

For more information on fish-ing in New Hampshire, visithttp://www.fishnh.com .

Ashley Croteau and Amy Hucksoll, dental hygienists from theMolar Express talked about good oral hygiene with Grovetonkindergarten students. Here they pose with Emma Putnamwith a tooth she has decorated. (Photo by Vicky Bailey)

Kaitlin Cassady, a Groveton second grader, has 10 sets of 10 goldfish crackers for the 100thday of school. (Photo by Vicky Bailey)

Page 18 Great Northwoods Journal March 17, 2012

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F i r e w o o d

Wa n t e dAny 8mm film taken of the GrandPrix or early snowmobiling. Wewill treat all films with care. Call788-2291. (1-15tfn)Paying cash for old watches andpocket watches, working or not.Also old costume jewelry, medals,tokens, hunting knives, pens, cig-arette lighters, Masonic and mili-tary items, American and foreigncoins, old unusual items. (603)747-4000. (4-21)Any old military items, clothing,helmets, equipment, patches,weapons, war souvenirs, etc.,also buying coins and stamps,guns and gun parts, old metalsites, stocks, etc., old toys andmodels. (603) 788-5566. (3-24)

John Chessman and Patrick RossCD “On the Town With Fiddles”Traditional New England FiddleTunes. $10 ea. Call (603) 788-2660. (2-13tfn)Dick Rosser CD: 'Over The Years'covers both live and studiorecordings from 1970 to date. Thegenres include Jazz, Folk, FolkDance, Country and Blue Grass.Price $10. 1-802-676-2838.

(3-3tfn)Central Boiler E-Classic 3200Outdoor Wood BurningGasification Boilers, Over 97%Efficient, Heats average house orlarge apartment building, as wellas domestic hot water. Models1400, 1450, and 2400 also avail-able. Call 800-295-8301. (6-30)Two 1997 Seadoos and two placetrailer, ʼ97 Daytona 770 and ʼ97Montego Deluxe 670. A s k i n g$3,000 OBO. (603) 631-3429.

(3-17)Organic eggs daily. $2.50 dozen.3190 Granby Road, Guildhall, Vt.Call (603) 396-0494 to makearrangements. (3-17)Marquis hot tub. Seven person,cedar skirt, green granite, 220volt, 18 therapy jets. Steps includ-ed. $2800. Call Debbie or Lynneat 603-444-5454. (3-17)Portable ramp. 12ʼ length (2 six ft.sections). Designed for wheel-chairs. 600 lb. capacity. Will deliv-er within 100 miles. Originally$1500 just $1000. Contact 603-631-1049. (3-17)

For Sale2005 Harley Ultra Classic, Motherof Pearl, full fiberglass luggagepackage. 30,000 miles. Mostexcellent condition. $14,000.(603) 636-6061. (3-17)2003 Ford Taurus. Good condi-tion. For more info call Prudy at788-4898. (3-17)

Classified advertising

Jones Brook Farm. Firewood forsale, 427 Granby Road, Guildhall,VT. (802) 328-2013. (4-7)

S e rv i c e sNot just cleaning. Vi s i tM a u r a A t Yo u r S e r v i c e . b l o g s p o t . c o msee about organizing, pet care,driving, child care, serving athome parties...whatever you don'thave time, inclination, stomach orskill to do for yourself. (3-17)Building construction and repairs,painting, power washing, high liftservice. Fully insured profession-als, visit us at www.hotchkisscos t r u c t i o n s e r v i c e s . c o m or call(603) 586-7969 or (603) 631-0586, Jefferson. (3-31)

Moving SaleW h i t e f i e l d . 56 Pine Street.Household and restaurant sup-plies and equipment. Everythingmust go. Sat., March 17 and Sun.,March 18, 9 a.m. to 6 p.m. (603)991-2089 (3-17)

For Rent

House For Rent

Help Wa n t e dL a n c a s t e r. 1 BR, first floor,Summer Street, heat included.$550 mo. References, anddeposit required. Call (603) 991-6541. (11-12tfn)Jefferson. 2 and 3 room apart-ments. Completely furnished.Utilities included. Nice quiet area.(603) 586-4491. (3-17)

For Lease30x30 barn with ever flowingtrough and 200 amp electric, 12acres fenced pasture, $600 amonth. (animal care available).hotchkissconstruction@yahoo.com or(603) 586-7969 or (603) 631-0586. (3-31)

G r o v e t o n . Beautiful 2-3 BRhouse. Lg. kitchen, living roomand dining room. Full basement,W&D hookup, 2 car garage, in-town Groveton. Walking distanceto schools and shops. $700 permo., plus utilities. (603) 449-2489.

(3-17)

FIREWOODKiln Dry or Green

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Help Wa n t e dSecretary / Office Assistant

Immediate Lancaster opening fora secretary / assistant. Respon-sible for phone answering, pro-cessing email, transcription andword processing, Excel spread-sheet creation and modification,copying, filing, and other generalo ffice duties. Candidate musthave strong organizational skills,responsible work ethic, profes-sional phone manner and exten-sive experience with MicrosoftOffice software. Full time entrylevel position with benefits. Sendresume and references to: GreatNorthwoods Journal, Attn.: BKPR,98-B Main Street, Lancaster, NH03584. Equal OpportunityEmployer. (4-7)

HELP WANTEDExperienced Bookkeeper/Payroll

A. B. Logging & Trucking Inc.35 Hodge Road, Lancaster, NH 03584Please send resumé/experience list to:

FAX: 603-788-5150, email: ablogging@wildblue.net

LANCASTER ELEMENTARY SCHOOLSchool Administrative Unit 36

White Mountains Regional School DistrictWhitefield, New Hampshire

Website: www.sau36.org

Competitive Salary and BenefitsApplication Deadline: April 13, 2012

Starting Date: July 1, 2012For application materials and further information, contact:

Roxanne Hartlen, Adm. Assistant to the Superintendent of Schools

White Mountains Regional School DistrictSAU #36

14 King SquareWhitefield, New Hampshire 03598

TEL.: 603-837-9363/FAX: 603-837-2326Email: rhartlen@sau36.org

OR Visit our web site

March 17, 2012 Great Northwoods Journal Page 19

Help Wa n t e d

Career Training

For Rent

A u c t i o n

Rumors-----------------------------------------------------------------------------------------------(Continued from Page 7)

Payment Plans & State Assistance Available

1-800-603-3320www.clinicalcareertraining.com

Contact: Clinical Career Training

Licensed Nurse Assistant Training

Lancaster, NH05/09/12-07/19/12 Wed./Thurs.

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Town House Apartments * 2 & 3 bdrms.Newly renovated * Northern View

Family Housing — W. Stewartstown, NHHeat, hot water and electric included

On-site Laundry24-hour Maintenance

Federally subsidized—must meet income guidelines.Please contact Foxfire Property Management for an application at

(603) 228-2151 ext. 302 or (TDD) 800-545-1833 ext. 102www.foxfirenh.com

WHITE MOUNTAINS REGIONALSCHOOL DISTRICT2011-2012 School Year

COACHING POSITIONSWhitefield Elementary School— MS (Grs. 7/8) Girlsʼ Softball Coach

* * * * *Submit resume to

ATTN: Janet Steinert, Athletic Director – Whitefield School34 Twin Mountain RoadWhitefield, NH 03598

(603)837-3088web site: www.sau36.org

Positions Open Until FilledEOE

Toyota starting this weekend atBristol. Vickers will run theAugust race at Bristol and bothraces at Martinsville and NewHampshire. In light of Bristol’shigh banks and Martinsville’sflat paper-clip both facilities areconsidered pay-back tracks andVickers finished last season atPhoenix and Homestead-Miamiin a get-even mode, MWR mightwant to consider investing in alittle extra Yota sheet metal.Mark Martin, who headed intoLas Vegas last weekend seventhin the points standing, will drivethe No 55 in 24 races, along withthe All-Star race in Charlotte.MWR will name a driver for tworoad curse events later in theseason. Vickers, 25 , who hascompeted full-time in the seriesfor the past eight years, has twocareer victories and 11 poles andfinished 25th in the sprint cupstandings last season for the

now defunct Red Bull Racing. . What they’re Saying

BEST HANDICAP: “High-middle-low handicap systemwith Semi Features used inlocal racing or ‘club’ type touringwith average of 20-26 of thesame teams every week attend-ing tour events. (This systemworks best within a divisionhaving clear delineation of raceteams. In other words, a legiti-mate low, middle, high handicapbased on ability and previousperformances.) GOOD: EXAM-PLE Three heats with the lessexperienced, first year typeteams all racing against them-selves for qualifying positions inthe feature and three spots inthe semi-feature…say four (4)spots in the feature. Next heatcomprised of ‘middle’ with five(5) qualified spots for the fea-ture and three to the semi fea-ture for points and money, final-

ly, the high handicap teams racetogether for six (6) spots in thefeature and three in the semi.Semi is 12 laps lined up accord-ing to finishes in heat events forbonus seasonal points and mon-ey. Those not qualified will racefor starting positions in the con-si where up to five (5) teams willbe given qualified handicapspots. This system requiresevery racer to compete through-out the heats and semi…that iswhat the fans pay to see. Thefeature then takes the top 20and lines them up by the handi-cap they have acquired as of thedate of the race, just like theheats, with the balance going tothe rear. BAD: Not much incen-tive for larger car counts, asthose without handicaps arepenalized from the ‘regulars’,and their starting spots,whether qualified or not, prettymuch dictate they will start nobetter than an average ofaround 16th, depending on thenumber of events they havecompeted in over the season.Comment: This is a system usedby the original flatheads atThunder Road in the 1960’s, byvarious local divisions over thepast 50 years, and was a main-stay on the original NASCARNORTH TOUR from 1979 –1985. It was also used for manyyears at Thunder Road, untilthe parity with the crate motorsbecame so prevalent about fiveyears ago that it became non-functional.” Part of TomCurley’s commentary on handi-cap procedures….the entirecommentary can be found onwww.acttour.com.

Next LapThe Cup Series travels to the

famed high-banks of BristolMotor Speedway (.533-mile) forthe Food City 500 on Sunday,March 18 (FOX, 12:30 p.m.).Kyle Busch is the defendingrace champion while BradKeselowski won the Augustrace. Ryan Newman holds thetrack qualifying record of128.709 mph set in 2003.Charlie Glotzbach is the racerecord holder, setting an aver-age speed of 101.074 on July 11,1971.

Facelift -----------------------(Continued from Page 1)

The hope is to be able to pro-vide materials necessary topaint the sanctuary, replaceworn tile flooring and clean,repair and paint the outside ofour Groveton church. We willprovide a place for these folks tosleep for two weeks, along withmeals for that period of time.

If anyone is interested inpitching in a little of their time,the congregation will be morethan thankful for the help. Astime approaches, they will try toput together grocery lists, andmaterials lists for any contribu-tions that this and surroundingcommunities might be willing tomake. Phone numbers and con-tact people will be provided assoon as that information ismade available.

Spring arrives---------------(Continued from Page 1)

Investment Corporation(NCIC). “The maple sap flowsand the sugar shacks are bel-lowing steam to produce pure,natural maple syrup.”

Five Coös County sugarhouses are participating in thisyear’s NH Maple Weekend onMarch 24th-25th, among them,Fuller’s Sugar House in down-town Lancaster, a “Best of NewHampshire Grand,” wheremaple syrup has been a tradi-tion since 1972. When the mapleseason begins, this fourth gener-ation family-owned sugarhousetaps maple trees in four "sugarbushes" or "maple groves" in theLancaster area. Each springFuller’s taps more than 9,500maple trees, boils down morethan160, 000 gallons of maplesap and produces over 4,000 gal-lons of maple syrup. Sap is col-lected by a plastic tubing systemand hauled to the sugarhousewhere it is boiled to goldensmooth syrup.

Owner Dave Fuller says,“This year we’ll be offering visi-tors everything from syrup onsnow to homemade dippingdonuts to sour pickles, whichare actually very traditional thistime of year. After eating somuch ‘sweet stuff’ people needto cleanse the palette so theycan start eating more sugar onsnow again!” Dave adds that heis optimistic about this seasonbecause the quality of the firstsap and resulting syrup werevery good; and winter seems to

have returned for the timebeing, pumping “new life” intothe maple sugaring season.

Bisson’s Sugar House inBerlin is another sugar shacklocated in the Grand North andit continues a third-generationfamily tradition that dates backto 1921. Although they’ve mod-ernized their sap collection sys-tem to be more efficient, theystill boil their sap on a wood fireevaporator. During the sugaringseason, they also make theirspecial maple butter, taffy andmaple candy.

The Mountain View Grand(MVG) in Whitefield featureslodging specials during themaple season, which include avisit to Fuller’s, right up theroad in Lancaster. One specialcelebrates the arrival of snowwith two nights at 55% off. Forthose not interested in snowactivities, MVG offers horse-drawn carriage rides, sok tubsessions in the Tower Spa andmore. While staying at theMountain View, visitors maywant to treat themselves to itssignature Maple Sugar BodyScrub. The treatment beginswith a reviving sugar scrub andends with a light massage withbio-maple moisturizing cream.

The New Hampshire MapleExperience is back on tap at TheRocks Estate in Bethlehem thisspring. Maple tours are sched-uled for March 12, 19-20, 26-27,and April 7-8, from 10 a.m.-4p.m. each day. Reservations arerecommended. Visitors learnhow to identify the sugar mapletrees that produce the sap formaking syrup, hear the historyof maple sugaring, and see partof the process demonstrated on-site. The Rocks also offers horse-drawn wagon rides through thescenic property as well as plentyof tasty treats. And for thoselooking to turn the springtimeMaple Experience into a week-end-long North Country stay,The Rocks collaborates withlocal inns to offer weekend vaca-tion packages.

Cathy Conway adds,“Whether visitors are lookingfor an educational experience—to learn how maple syrup is pro-duced—or to simply sample allthe delicious maple productsproduced in northern NewHampshire, they have manyopportunities to experience thathere in the Grand North.”

About NH Grand“Experience New Hamp-

shire’s Grand North” is thebrand of New Hampshire’sNorth Country marketing ini-tiative—also known as NHGrand—and is the official visi-tor information source for NewHampshire’s Grand North andthe Northern White Mountains.

For more information on NHGrand, visit www.nhgrand.com,New Hampshire Grand onFacebook, and NH Grand onTwitter. To sign up for themonthly e-newsletters, visith t t p : / / w w w . n h g r a n d . c o m / m a ps - a n d - g u i d e s / e m a i l - s i g n -up.aspx

Charlie is a two-year-old mixedbreed dog that isneutered and up-to-date on shots.Charlie would loveto live in an activehome without smallchildren or cats. Ifyou are interestedin adopting Char -lie, please fill outan application atw w w . r i v e r s i d e a n i -malrescue.org orcall 802-892-5300.

Page 20 Great Northwoods Journal March 17, 2012

Attending the Northeast District Music Festival in Newport,Vt., were five students from Gilman Middle School. Seated inthe back row, from left to right are: Capri Colby, BrooklynColby, with teacher, Barbara Connelly; in the front row are:Madison Sorum, Felicia Colbeth and Annie Stinehour. Stu -dents spend the entire day practicing with district conductorsand students to create performance pieces that were featuredat the concert on Friday, March 9. Choral as well as instru -mental selections were performed at North Country UnionHigh School. (Photo by Nancy Croteau)

Several students at Stratford Public School, recently participated in a Math-a-thon to benefitSt. Jude Children’s Research Hospital. A total of $984 was raised. In the back row, from leftto right are: Austin Lesperance, Robert Howland, Elizabeth Noyes, Tylor Chapple, Jesse King;in the middle row are: Jessa-Marie Bedard, Issac Lewis, Jasmine Noyes, Ruby Come, Kayla-Rose Howland; and in the front row are: Conner Douglass, Bennett Brooks-Avery, Adam-JohnHowland, Kylee Lachance. Missing from photo is Erik Lynch. (Photo by Tina Hamelin)

HappySt. Patrick’s Day!