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Charles Van Eman in front of one of his favorite writing spots, the Agawam Diner in Rowley.

Lee USAGearing Up

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School &Summer Camp

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Food Drive at Atria

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NEWBURYPORT – Th e mayor and city council here are joining about 75 other Massachusetts cities and towns in buying the lights that hang on poles and line the streets.

Residents probably won't see much of a diff erence after the vote this week, except that street lights may be replaced faster, and the buy will save them an estimated $86,800 a year – or $1.8 million over the next 20 years.

In 1998, Massachusetts gave cities and towns the option of buying streetlights and poles from electric utilities when the state deregulated the energy industry. Energy companies are required to sell their streetlights and poles to municipalities that request it.

Beverly, Swampscott and other North Shore communities have bought their lights, largely as a cost saving measure.

National Grid notifi ed Newburyport in early February that it will cost $117,861.47 to buy the 1,544 street lights and 127 poles in the city. Th e city pays National Grid almost $235,000 per year to maintain the lights.

“It makes sense,” said City Councilor at Large Ari Herzog, who chairs the council's public utilities committee.

Th e committee plans to bring the proposal to the full council this week for a vote to authorize Mayor Donna Holaday to sign an agreement with National

Continued on page 3

Owning Our Own Lights

By Stewart Lytle, Reporter–––––––––––––––––

The Town Common

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REGIONAL – Charles Van Eman believes that self-publishing his novels is a truly American act of defi ance, not unlike the Sons of Liberty throwing tea into Boston harbor just before Christmas of 1773.

Eman, an actor, drama teacher and now self-published novelist, now lives in Middleton after years in Los Angeles, CA, and Atlanta, GA, pursuing his acting career. He has published his fi rst novel On the Way to Pomona and is fi nishing his second novel, Weight Loss, which he expects to have available by September.

“It is such an American impulse not to ask permission,” he said. “We broke away from authoritarian power. We got tired of asking for permission to get a book out to our readers,” Van Eman said.

Like many authors today, Van Eman grew frustrated with the traditional publishing houses, which long controlled the fl ow of new books and authors. But that was before Amazon and other companies launched self-publishing services. Th at was before eBook readers proliferated.

As one can see from the many blogs that have sprouted on the Internet about self publishing, the process or the industry of self-publishing is evolving almost daily. Technology is changing self-publishing. But more importantly, the authors themselves, exerting their rebellious spirit, are constantly seeking

Self Publishing May Be the Ultimate Rebellious Act

Pentucket Wins Over Ipswich in Division 3 Semifinals

Photo by Stewart Lytle

Photos by Peter McClelland

ABOVE - Plenty of orange in the Ipswich student section at the Tigers' tournament game against Pentucket on March 6th.RIGHT - Coley Viselli in white (from Pentucket) wrestles with Julia Davis in black (from Ipswich) in the Division 3 North semifi nal game at Beverly High School. Pentucket won, 46-26.

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Continued from page 1

Self Publishing May Be the Ultimate Rebellious Act

Continued from page 1

Owning Our Own LightsGrid to purchase the lights and some poles.

National Grid would continue to own most of the light poles, which it leases out to other companies like Comcast.

Th e proposal has strong backing from city staff members and offi cials. Molly Ettenborough, the city’s recycling and energy coordinator; Peter Lombardi, director of policy and administration; Ethan Manning, business manager, and Michael Strauss, chairman of the city’s Energy Advisory Committee, recommended that the City Council buy the streetlights.

Th e proposal is part of a comprehensive lighting management plan developed by George Newbury, a consultant hired by the city.

Th e public utility committee voted for it unanimously.

Newburyport would assume the responsibility of maintaining the lights. Th e plan is to increase the duties of David Zinck, the electrical inspector, doubling his hours from 20 to 40 a week. In addition to conducting electrical

inspections, which he does three days a week now, Zinck would join the Department of Public Services and use a bucket truck to replace burned-out street lights.

Th e Fire Department owns a bucket truck, but rarely uses it, Herzog said. Th e mayor is investigating what certifi cations Zinck will need to operate the bucket truck.

Owning the lights themselves does not mean the city would cut its electric bills. Th e city will continue to pay National Grid for the electricity.

But owning the light fi xtures themselves opens new possibilities to replace the high pressure sodium lights with long-lasting, highly effi cient light-emitting diode (LED) technology.

“If it is the same wattage, it makes sense to do it,” Herzog said.

Th e LED lights, which may last 50,000 hours, can reduce costs for energy and maintenance and usually will pay for themselves in seven years or less, depending on the wattage used, electricity rates and labor costs.

LED lights can also be more

attractive than the bulky cobra-heads that house high-pressure sodium lamps. One concern is that lighting technology, like computers and cell phones, is evolving quickly. A light a city buys today may be made obsolete in a few years by innovation, experts say.

Owning the lights can also create the opportunity for the city to reduce the amount of electricity is uses by turning off or dimming some lights after midnight.

Street lights along residential streets may not reduce crime as much as once thought. But they do reduce traffi c accidents, so most cities are keeping the lights on at intersections, while dimming them in the middle of residential blocks.

Th e nation's streetlights consume electricity the equivalent of 1.4 million homes. Th ey generate greenhouse gases equal to 2 million cars a year.

"Do we really need this many lights on? Do we really need this much wattage?" asks Johanna Duff ek of the International Dark-Sky Association.

they are shrunk to a thumbnail size on Amazon's and other book websites, most details are lost.

Once the book was laid out and the cover done, Van Eman turned it over to CreateSpace, the self-publishing arm of Amazon. CreateSpace is an on-demand publisher, which means the book is printed and shipped when an order comes in.

Gone are the days when an author has to buy boxes of books and drive around to book stores trying to persuade reluctant bookstore owners to put them on a shelf.

Van Eman took Pomona to the Jabberwocky bookstore in the Tannery, where the Actors Studio is. He persuaded the store to put it on the shelf.

He held a well-attended launch party where he used his acting skills to read a few chapters of the book. At $10.19 a book, he sold out all the copies he brought with him that night. Th e Kindle and Nook versions sell for $4.99

Van Eman does not keep track of how many books he is selling. He readily admits that he prefers writing, than marketing. But he is gearing up for a marketing blitz with the second book nearing production.

To order your copy of Pomona, visit www.charlesvaneman.com.

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ways to get their writings read.“I just want to sell as many

books as I can,” Van Eman said.Publishing his fi rst novel, which

cost him so far less than $2,000, is just another way, he said, of “joining in the conversation” about the future of publishing.

Van Eman, a native of Pittsburgh, PA, got into writing novels by writing screenplays that he hoped he would generate acting jobs for himself. Fifteen years ago he started writing Pomona, which he describes on the web site he built himself, as “a high-spirited, raucously lyrical novel.” It chronicles the adventures of Tom McInnes, a young man looking for a sign, a clue, or even a sideways glimpse of what he hopes may be his future. Profoundly disillusioned by his relationship with his family and what he sees happening in America, Tom heads off on a quest to make sense of his life. Set in the U.S, Peru, and Scotland, “On the Way to Pomona plunges into mysterious, lonely corners of the human spirit, where the past draws blood, long-held family secrets are revealed, and a determined blue heron has the last laugh.”

Today, Van Eman spends more time writing than acting, although

going to auditions and teaching drama and acting courses at the Firehouse Th eater, the Actor's Studio in Newburyport, and a school in Beverly helps pay the bills while he fi gures out how to increase his book sales.

After revising Pomona several times, including cutting out 70 pages at one point, he began the process of publishing the book himself. Th ere are a wide range of self-publishing companies, which off er services that range from proofreading to pitching the book to Hollywood producers. Some are relatively inexpensive, while others can run $4,000 to $5,000 just to get started. And marketing the book can be very expensive.

Van Eman hired his own designer to lay out the book in several formats – a paperback version and two eBook versions, one for the Kindle, and one for the Nook and other eBook readers. Th at was his biggest expense.

He traded his friend, Sandy Farrier, a Newburyport graphic artist, a free acting course in return for designing several versions of book cover.

Book covers are tricky, he said. If done well, they can help persuade readers to take a chance on an unknown author.

But the covers today are not like those in older days. When

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GEORGETOWN - Unlike any other camp! This summer, campers at Workshop in the Woods will: Explore the world of super powers, star on the cover of magazines, slam poetry, master mixed media collages, design an alphabet, invent a secret code, champion water olympics, dance in paint, play with shaving cream, build walkie talkies, perform a flash-mob dance and make meaningful connections with friends in search of summer fun. “For the past 12 years Workshop in the Woods has offered an unplugged and non-competitive curriculum of art, performance, nature, craft and community that is designed to build self-confidence and a love for nature and neighbor in a safe environment,” says Stacey Fix its director. Workshop in the Woods Summer Camp is a program of Workshop Arts Inc., a non-profit 501(c)3 charitable foundation for community and arts enrichment. The program is located at Camp Denison in Georgetown. The Camp Denison site has 15 acres of hiking trails, lake front activities, a restored wood-beam lodge, outdoor performance area, and nature center. Campers rotate from one workshop to the next everyday and integrate activities that include; fishing, kayaking, hiking, group games, scavenger hunts, visual arts, relays, camp fire circles, and journaling. There are openings for registration in both two week sessions: July 8-19 and July 22-Aug 2. Campers begin at age 5-14. Bus service is offered from Newburyport, Newbury and Byfield. The foundation is offering financial

aid for those in need of assistance. For information; www.workshopinthewoods.org or contact [email protected] or call: 978-973-6553.

------------------------------------------------------------GEORGETOWN - Any plans for Easter Sunday? Enjoy a scrumptious and plentiful brunch buffet at Black Swan Country Club , 258 Andover Street in Georgetown, Massachusetts. It’s coming soon, Sunday March 31st Keon’s will have a buffet from 10-2pm in there Andover Dining Room. It will feature many pastries, fresh fruit, eggs, bacon, sausage, ham, home fries, eggs benedict, an omelet station, a carving station with turkey, ham, prime rib, baked haddock, lasagna, an array of side dishes, dessert table, coffee, juice and much more. Adults $29.95, Seniors $27.95, Kids 12 and under $14.95, kids under 3 are free. Tax and gratuity is not included. They will also have live music with musician Dan Sky. Make your reservations today by calling 978-352-2900.

------------------------------------------------------------GROVELAND - Langley-Adams Library invites all to attend its 2013 Groveland Gathers to Read events. Groveland Gathers to Read is a town-wide reading series. This year's title is "Caleb's Crossing" by Geraldine Brooks. This historical fiction set on Martha's Vineyard in the 17th century tells the story of the first Wampanoag Indian to graduate from Harvard. All events are free and open to the public. To register please call 978-372-1732 or go to langleyadamslib.org WedMon., March 18 at 3:30 and 6:00 p.m. - Author and Wampanoag tribe member Jannette Vanderhoop will present the history and culture of the Wampanoags. The 3:30 session is for children and the 6:00 program is for adults. Sat., March 23 at 11:00 a.m. - Susan Lenoe will portray America's first published poet, Anne Bradstreet. Mon., April 1 at 6:30 - Meet local author, poet, and professor, Charlotte Gordon. She will read from and discuss her biography of Anne Bradstreet, "Mistress Bradstreet:the Untold Life of America's First Poet".

------------------------------------------------------------NEWBURYPORT - FINANCIAL GPS WORKSHOP - Stay on Course with a Financial GPS; Your future is the most important trip you will take! The Jeanne Geiger Crisis Center and the YWCA Greater Newburyport are co-sponsoring a program to help you prepare for the trip. Join us on Wednesday Evenings March 20 – April 17 from 6:30 p.m. – 8:30 p.m. at the YWCA Childcare Center 13 ½ Pond Street, Newburyport. The cost for this series is $75.00 (Childcare is available for an additional fee) In this series you will obtain valuable travel tips on key topics, including: Identifying and tracking realistic and meaningful goals; Establishing and maintaining a budget; Tax changes and planning for 2013; Investing basics; Insurance fundamentals: Homeowners, auto, life & long-term care; Estate planning – wills, trusts, health care proxy, etc.; Elder law planning. To register or to obtain additional information, call the YWCA at 978.465.9922!

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NEWBURYPORT - Spring Fling - Flukes & Finds & Friends on 70 State Street in downtown Newburyport will continue its March tradition by celebrating SPRING the weekend of March 23rd & 24th. In come the daff odils, crocuses and tulips. We hope you will replace your Christmas wreath with one of our colorful Spring wreaths. Th e shop will be full of wicker and garden delights both new and vintage. A large antique breadboard cupboard and walnut armoire will make their debut for this special weekend event along with Easter decor and a tabletop full of vintage bunnies. Garden enthusiasts will want to see our architectural designs. Leave Winter behind for a day or two and come see what is new for your deck, patio, garden, beach house or cottage. Flukes will breathe Spring even if it's below freezing outside. For more information call, Gail Gandolfi : 978-462-2828 or email at, fl ukesandfi [email protected]

------------------------------------------------------------NEWBURYPORT - Never tried a triathlon? Now's the time with Tri for the YWCA, the 4th Annual Indoor Triathlon, Sunday, March 24th at the YWCA Greater Newburyport, 13 Market Street. Events will include: Indoor Triathlon Swim - 10 minutes in 25 yard pool; Indoor Cycle - 25 minutes ride on Spin Bike; Run – Weather permitting: 3K outdoor run; Plan B (inclement weather) – 10 minutes on treadmill or elliptical. Tri for the YWCA begins at 8:00 AM, following waves start every 30 minutes. Th is Triathlon is for all ages and fi tness levels. Enter as an individual and try your best at all three sports or enter as a team and do the sport you like best! Registrants who are not members of the YWCA can pay a $5/visit “Drop in” fee for swim and bike practice. Register on line only: http://www.active.com/running/newburyport-ma/tri-for-the-ywca-2013 Join us as we bike, swim & run for the fun of it!!

------------------------------------------------------------ROWLEY - Artist displays local scenes in miniature - Th is month the Rowley Public Library is happy to host art created by local artist Connie Rosetti. Ms Rosetti was fi rst known for her ceramics before switching to paintings in 2012. She began with miniature oils, and today works mostly from photos to create a painting that has a feeling rather than photographic accuracy. Her miniatures, many of instantly recognizable scenes from the local community, will be on exhibit in our lobby display case through the month of March. Th e Rowley Public Library, 141 Main Street in Rowley, is fully accessible. For more information, call 978-948-2850. ------------------------------------------------------------ROWLEY – Th e Rowley Grange’s next supper will be on March 27th. Th is will be one of the favorites. Turkey Pie with all the fi xings. Th is will be served in 2 seatings; 5:00pm and 6:00pm. Please make reservations by calling 978-948-2635 or 978-948-7288. Th is is usually a full house supper and it helps if you do make reservations. Plus you are saving a dollar. We are also looking for a dishwasher to help with all our suppers; 4 in the spring and 2 in the fall. Th is 3 hour job comes with perks. Please call 978-465-5508. You will be working with a great crew.

------------------------------------------------------------SALISBURY COUNCIL ON AGING - Alternative Housing Options, Wednesday, March 27th @ Noon: Your choices and options; an explanation of diff erent senior housing options. Know what is available and right for you! Refreshments will be served. Please call to pre-register 978-462-2412

------------------------------------------------------------SALISBURY - Th e Town of Salisbury Parks & Recreation Commission is planning to hold its annual Easter Egg Hunt at the Salisbury Elementary School on Saturday, March 23rd, 2013 from 9:00am to 11am. Th e “Egg Hunt” is for 2 to 8 year old children, however all family members are welcome to attend. Children ages 2-8 are encouraged to bring their favorite basket to gather up their eggs, some of which will result in prizes. Along with the Egg Hunt, our event will also feature music and dancing, refreshments, a clown who specializes in balloon animal creations, face painting, and of course a visit from the Easter Bunny.

------------------------------------------------------------ST. MARY’S - People Helping People of St. Mary’s Parish is now collecting donations for the March 23rd Easter deliveries to residents in need of Rowley, Georgetown, Boxford, and Byfi eld. Donations of non-perishable foods, as well as paper, cleaning, and personal hygiene products are needed. Donations of grocery store gift cards and cash may also be made. Donations can be brought to the rectory at 94 Andover Street, Georgetown, Monday through Friday, during normal business hours of 9 a.m. to 1 p.m., or left in designated bins at the Rowley and Georgetown churches before and after Mass. Th e People Helping People program is also accepting program recipients at this time for those who are struggling to make ends meet and need a helping hand. For more information, or a list of needed items, please call the rectory at 978-352-2024, Jeanne Soucy at 978-352-6326, Debbie Parisi at 978-352-8880, or visit the St. Mary’s website at www.saintmaryparish.org.

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Kathryn O’Brien, M.Ed. 978-887-7272 (office)

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W. NEWBURY $889,000 52 Ash Street

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AMESBURY $139,900 40 Thompson Street

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To place an non-profit organization’s event in the Community Calendar for FREE, call 978-948-8696 or e-mail: [email protected]

Senior Moments

Community Calendar

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Community Calendar Continues . . .

WEDNESDAY, MARCH 13th

MEET THE AUTHORCome and meet Muriel Angelil and

enjoy a presentation and live reading of her book: “Back to the Past, A Daughter of the Nile” At the AMESBURY SENIOR CENTER, 68 Elm Street, Amesbury. On Wednesday, March 13 at 9 am.Th is book is a memoir of her life growing up in Alexandria, Egypt. Th e journey of a child growing up to adulthood and following her dream of fi nding her voice through education, independence from familial authority and fi nally immigration to the USA. Some of Muriel Angelil’s art will be on display. Th e book is published by Amazon.com. For information please call 1-978-834-6345

WEDNESDAY MORNING BIRDING

Join Joppa Flats Sanctuary Director Bill Gette and USFWS veteran David Weaver for this weekly birding fi eld trip in the Newburyport/Plum Island area. Appropriate for all birding levels. Wednesday, March 13, 9:30 am-12:30 pm Meet at the Joppa Flats Education Center, One Plum Island Turnpike, Newburyport. $17. Preregistration is not required. Call 978-462-9998 for information about additional programs and events, or visit the Web site at www.massaudubon.org/joppaflats. Joppa Flats is now taking registrations for summer daycamp. Please note that Joppa Flats will be closed on Sunday, March 31, for the Easter holiday.

NON-PROFIT LAND TRUSTSZUMI’s Café, 40 Market St in

Ipswich welcomes Essex County Greenbelt’s Mary Williamson and David Santomenna on March 13 at 5:30pm for a lecture on the non-profi t land trust’s conservation of the farmland, wildlife habitat and scenic landscapes of Essex County. Th e talk is part of a series of lectures related to ZUMI’s vision of encouraging positive connections in both the local and global community, and was inspired by the commitment to sustainable practice and local business that the organization shares with the cafe. Free - For more information, visit www.zumis.com or call (978)-356-1988.

TRIVIA NIGHTKeon's Trivia Nights on Wednesday

from 7 - 9, $2 off all menu items & gift certifi cate givaways. 258 Andover

St., Georgetown 978-352-2900

ROUNDTABLETh e Civil War Roundtable of the

Merrimack will meet at 7:30 PM on Wednesday March 13 th at our new location, the East Parish Methodist Church, Salisbury Square (route 1), Salisbury, MA. Catherine Wright from the Museum of the Confederacy will speak on “Lee’s Last Casualty: Th e Life & Letters of Sgt. Robt. W. Parker, 2nd VA Cavalry.” Admission is free and anyone with an interest in America’s Civil War is invited to attend. For more information visit our web page www.cwrtm.org or call Tom at (978) 462-8518.

A BIT OF IRISH HISTORY WITH A DOSE OF BLARNEY

On Wednesday, March 13 at

7:30 p.m. Bill O'Riordan will share Irish-American history, Irish culture, folklore, myth, and music. His entertaining talk, sponsored by the Friends of the Ipswich Public Library, will be held in the Collins Room at the library, 25 North Main Street. 978-356-6648

THURSDAY, MARCH 14th

IMAGINE, SING, AND LEARN: ALL ABOUT OWLS

Active play and learning with Joppa Flats School and Youth Education Coordinator Lisa Hutchings for pre-schoolers, ages 3 to 5, with a favorite adult. Choose one of four sessions. Th ursday, March 14, 10:00-11:30 am or 1:00-2:30 pm; Friday, March 15, 10:00-11:30 am or 1:00-2:30 pm Meet at Mass Audubon’s Joppa Flats Education Center, One Plum Island Turnpike, Newburyport. Adult Fee: $8. Child Fee: $7. Preregistration is required. Call 978-462-9998 for information about additional programs and events, or visit the Web site at www.massaudubon.org/joppaflats. Joppa Flats is now taking registrations for summer daycamp. Please note that Joppa Flats will be closed on Sunday, March 31, for the Easter holiday.

KINDERGARDEN INFORMATION NIGHT

All parents who will have a child attending Kindergarten in September at the Newbury Elementary School are invited to attend Kindergarten Information Night on Th ursday,

March 14, 2013 at 7 PM in the school auditorium. Children must be fi ve years old before August 31, 2013 in order to be eligible for kindergarten. Th e Kindergarten classrooms will be open for viewing starting at 6:45PM. At the meeting, information will be presented on both the half-day and the tuition-based full-day options, as well as, the screening and registration processes. Kindergarten staff will describe the programs and curriculum. Staff and parents will be available to answer questions. Kindergarten screening will be held by appointment on Monday, May 13, 2013 and Tuesday, May 14, 2013. For further information contact Kathy Murphy, Early Childhood Coordinator, at 978-465-2397 ext. 5330 or at [email protected] .

TEEN BRAINFree Parent Presentation on the Teen

Brain Hosted by Triton Middle School - Th ursday, March 14, at 7:00 PM in the Triton Regional High School Auditorium. Educator, speaker, and writer Jeremy Wardle will give a 90-minute presentation followed by a 30-minute Q&A providing parents with a greater understanding of how teenagers think and make decisions. Wardle will review key concepts in neuroscience and developmental psychology and will guide parents in developing strategies to help improve communication and behavior. All parents/guardians of teenagers are welcome.

FRIDAY, MARCH 15th

IMAGINE, SING, AND LEARN: ALL ABOUT OWLS

See Th ursday, March 14th.

TEXAS HOLD’EM POKER TOURNAMENT

Th e Newburyport Education Foundation (NEF) announced the 3rd Annual Texas Hold ‘Em Poker Tournament fundraiser to be held Friday, March 15 at 6 pm at Newburyport City Hall, 60 Pleasant Street to benefi t the Newburyport Public Schools. Prizes will be awarded to the top 10 fi nishers. Th e event features professional dealers and seating is limited. Tickets are $100 and can be purchased online at www.NewburyportEF.org or in cash at Oregano, 16 Pleasant Street, Newburyport and Leary’s, 202 Merrimac Street, Newburyport.

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Continued on page 10

Spectators are welcome and there is no cover charge. Th ere is a cash bar and food is provided compliments of Oregano Pizzeria. Registrants who pay by 2/28 will receive a $25 gift card to Oregano. Sponsorship opportunities are available at various levels. To sponsor an educator to play, please register on-line and enter “Teacher Sponsorship” in the comment box. To reserve a table for your poker club or business, sponsor a teacher, discuss sponsorship questions, or for more information, contact Eric Pfl aum at epfl [email protected]

SATURDAY, MARCH 16th

THE WONDER AND THE WOW: BEHIND THE SCENES AT THE NEW ENGLAND AQUARIUM

Family educator Lisa Hutchings takes adults to another one of her favorite places, “backstage” at the New England Aquarium. Sunday, March 16, 8:30 am-3:30 pm Meet at Joppa Flats Education Center, One Plum Island Turnpike, Newburyport. $35. Preregistration is required. Call 978-462-9998 for information about additional programs and events, or visit the Web site at www.massaudubon.org/joppafl ats. Joppa Flats is now taking registrations for summer daycamp. Please note that Joppa Flats will be closed on Sunday, March 31, for the Easter holiday.

MAPLE SUGARING TOURSCelebrate the coming of spring as

sugaring season gets underway at Mass Audubon’s Ipswich River Wildlife Sanctuary in Topsfi eld. Maple sugaring tours will run on Saturday and Sunday, March 16 & 17. Tour times are at 10:00 a.m., 12:30 p.m., and 2:30 p.m. Tour the sanctuary’s sugar bush and learn how to identify a sugar maple tree, observe tapping and sap collection methods, discover how sap becomes syrup in the sugarhouse, and get a sweet taste of the fi nal product. Tours last about an hour and run rain or shine. Warm up after your tour by the woodstove in the barn, where homemade soup and baked goods, maple sugar candy, books and gift items, plus the sanctuary’s own maple syrup, are available for sale. Tour fee: $9/adults, $8/children (Mass Audubon members: $8/adults, $7/children). Children under 3 are free and should be in a backpack. Advance registration is required; call 978-887-9264. For details, please visit our website: www.massaudubon.org/ipswichriver. Th e Ipswich River Wildlife Sanctuary is located on Perkins Row in Topsfi eld. From I-95 North, take exit 50 and go

north on Rt. 1 to the intersection with Route 97. Turn south onto Rt. 97. Take the third left onto Perkins Row, and the Sanctuary is one mile on the right.

ROBIN’S ART FOR THE ARTSLocal artists are invited to participate

in IMADA’s eighth annual Robin’s Art for the Arts, which takes place on Sat., March 16 at the Ipswich Masonic Hall. Th e theme of this year’s event is “Th e Nature of Ipswich,” and artists are encouraged to submit pieces that refl ect and celebrate the natural and cultural heritage of Ipswich. IMADA is seeking to exhibit and sell jewelry, photographs, watercolors, acrylics, oils, ceramics, textiles and multi-media artwork, as well as services, such as art lessons or a photo shoot. All artists are encouraged to participate, including professionals, amateurs and students. Artists retain 50 percent of the sale of any work. Th e remaining 50 percent will benefi t the Ipswich Music, Art and Drama Association, which is a volunteer charitable organization that supports the fi ne arts in the Ipswich middle and high schools. Th e event itself includes light appetizers, a cash bar and music provided by student musicians. For more information, contact event chairman Steve Veiga at [email protected] or by calling 978-356-2770.

BEAN SUPPERSt. James Episcopal Church in

Groveland, will hold a bean supper March 16, from 4 to 6 p.m. Th e meal includes hot-dogs, rolls, two kinds of homemade beans, potato salads and other salads as well as homemade pies and cakes, coff ee, tea and juice. Admission is $7 for adults and $3 for children. Th e church is at 119 Washington St., Groveland. More information is available by calling 978-373-1270 or visiting the website at www.saintjamesgroveland.org.

SUNDAY, MARCH 17th

MAPLE SUGARING TOURSSee March 16th

CAN ORGANIC FARMING SAVE THE WORLD?

On Sunday, March 17th at 4 PM at the Central Congregational Church, 14 Titcomb Street, Newburyport, Erin Stack of New Harmony Farm in West Newbury will discuss New Harmony’s model of regenerative agriculture with its focus on organic, biological and permaculture farming practices, community building, and eco-education and research. She will

focus on New Harmony’s multi-year research project with Remineralize the Earth and the Marine Biology Labs on the eff ects of using basalt rock dust and Biochar as soil fertility inputs and how these materials may serve as “carbon sinks” to help reduce greenhouse gas emissions. Erin Stack MFA, MA, an environmental artist, educator, and organic farmer, is the founder of the Green Artists League, developer of the New Eden Collaborative Community Gardens of First Parish Church Newbury, and owner and manager of New Harmony Farm LLC, a Certifi ed Organic Farm and CSA in West Newbury, MA. New Harmony brings together art, science, and Spirit in a mission to help sustain our community with nutritious food while promoting a more intimate understanding of our interdependence with Nature. Th en stay for the Local Flavor Community Potluck beginning at 5 PM, a monthly, zero-waste gathering focused on celebrating local foo d, engaging discussions and building new friendships in the community. Bring a potluck dish, using a many locally-sourced ingredients as possible, and a “mess kit” (non-disposable plate, cup, utensils and napkin). Th is event is co-sponsored by Transition Newburyport and Community Resilience Circles and hosted by the Central Congregational Church. For further information visit transitionnewburyport.org or call 978-462-1308. Th e event is free and open to the public and all ages are welcome.

TUESDAY, MARCH 19th

MINDFUL EATINGJoin the St. Mary’s Women’s Club,

Tuesday, March 19th for a presentation on the Benefi ts of Mindful Eating. Th e speaker's name is Noemi Custodia-Lora; she is a teacher and Member of the Speaker’s Bureau at Northern Essex Community College in Haverhill, MA. Th e meeting begins at 7pm. Refreshments will be served. Donations of .33 cent postcard postage would be appreciated for the



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Th e Lee USA Speedway will be presenting its Annual Car Show in the Lilac Mall in Rochester, NH. Th e show will run from Friday, March 15th through Sunday, March 17th and will feature cars from all four of the NASCAR Whelen All American Series divisions competing at Lee USA Speedway on a weekly basis as well as many of the touring series that will visit the speedway over the course of the season. Lee USA’s small block supermodifi eds, late model sportsman, hobby stocks, and iron man will be on display as well as representatives of the Valenti Modifi ed Series, the Northeast Mini Stock Tour, the Northeast Midget Association(NEMA), ACT Tour and the Classic Lites.

Set-up for the Lilac Mall show will be on Th ursday evening March 14th at 9PM. Th e mall will be open for viewing from 9AM thru 9PM Friday and Saturday and 9AM thru 5PM on Sunday. Lee USA Speedway offi cials will be on hand from 10 AM to 2PM on Saturday for competitors wishing to register their cars for the upcoming season or to gain any additional information they may need.

Lee USA Speedway will open the season Sunday April 14th with the ACT Governor’s Cup 150. Despite winning four track titles, and the prestigious ACT Championship last season, Dover’s Wayne Helliwell Jr. has yet to claim the Governor’s Cup Trophy at his home track despite two dogged attempts. Helliwell was leading last year when tire woes relegated him to a top fi ve position.

Over fi fty cars from all over the northeast US and Canada are expected. Helliwell’s primary competition is likely to come from Pelham, NH driver Joey Pole and four time ACT champ Brian Hoar who has also won the Governor’s Cup twice.

Also on hand for Governor’s Cup Weekend will be the Northeast Mini Stock Tour which will be making its fi rst of two stops at Lee USA this season. Four cylinder standouts include their reigning champ Danny Field of CT and NH driver Emerson Cayer. Local drivers expected to compete in the 50 lap feature event include Loren Smith, Ricky Porter, and Shawn Waite Jr.

Th e weekend will also feature a 50 lap late model sportsman event open to non-Lee competitors with similar rules much like rules and regulations pertaining to Oktoberfest and the Annual Late Model 100. Tires purchased at the track by outside competitors can be used at other upcoming events at the track. Lee USA Prime Storage Late Model weekly competitors will

all be awarded 50 points towards the season championship for starting the feature event. Five hundred dollars will be awarded to the winner, $75 to all drivers taking the green fl ag in the feature. Lee USA Prime Storage champ, JR Baril, will begin his title defense against Michelle Fushpanski and Grant Aither. Other late model sportsman standouts expected are surprise Oktoberfest winner Alby Ovitt and Tony Kawejsza.

Lee USA Speedway will be open for practice for any and all competitors on Saturday, April13th. Th e track will open at 9AM. Practice will run from noon to 5PM. Th e track will re-open on Sunday for the Governor’s Cup 150 at 9AM. Practice resumes at noon with the fi rst qualifying heat starting at 1PM. Lee USA’s NASCAR Whelen Weekly All American Series will get underway on Friday, May 3rd.

Lee USA Gearing Up for 2013

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Gisela Ashley, (Engage Life Director of Atria Merrimack Place), Rosemary Carrol and Eileen Ventura, Atria Merrimack Place residents, with some of our 40+ lbs. of nonperishables they collected to be donated to the Pettengill House. All 130 Atria communities participated in this food drive on March 4, 2013.

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2 col. x 5 inches


Featuring articles and helpful hints for parents who are preparing their children for the summer school or

summer camp experience.


Ask about special ad rates.

Published this April, May, & June in

The Town Common

School & Summer Camp Section



2 col. x 5 inches


Featuring articles and helpful hints for parents who are preparing their children for the summer school or

summer camp experience.


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School & Summer Camp Section

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Many parents debate whether or not to send their children to summer school. Th e decision isn't always an easy one and understanding what a summer school is (and what it is not), what the programs off er and whether or not your child would benefi t from attending one can make the decision much easier. Th is report will provide you with the information you need so you can understand exactly what a summer school is and you can make an informed decision about whether or not you should consider a summer school program for your child.

What Is a Summer School?To put it simply, a summer school is a program of study sponsored by a school or a school district during the months of

summer vacation. Summer school programs usually lasting anywhere from six to ten weeks depending on the school and the course of study. Most summer schools off er a wide variety of summer school courses. It is important to understand that summer schools off er more than just academic courses. For instance, a summer school may off er the basic reading, writing and arithmetic classes, but it can also off er archery, cooking classes, courses geared towards the arts and other recreational areas of study.

Not all Summer Schools are Created EqualMany people have misconceived notions about what a summer school is. Contrary to what some people may believe,

summer schools are not just geared towards "under-performing" children, nor are they merely programs for children with special needs. (Although students that fi t these descriptions can defi nitely benefi t from a summer school program.)

It is important to understand that summer school programs can be as varied as the programs that are made available to students throughout the school year. From academically-gifted students to students who need remedial assistance, there are a wide range of students who can benefi t from summer school off erings.

If you have a student who thrives on academic challenge, he or she could benefi t greatly from a summer school program geared towards college prep; whereas a student with learning disabilities would do very well in a summer school program designed to assist with his or her remedial needs. Th ere are summer school courses to fi t the needs of almost any child.

Summer School vs. Summer CampMany parents are confused as to the diff erences between summer schools and summer camps. It used to be that

summer schools were academically-orientated institutions while summer camps were more geared towards recreation. Nowadays, however, the diff erences between summer schools and summer camps are diminishing and many schools are off ering recreational programs while many camps are off ering educational opportunities.

In today's day and age, the main diff erence between summer schools and summer camps is in who sponsors them. Summer schools are always sponsored by a school or a school district, whereas a summer camp can be run by anyone.

Th e Benefi ts of Summer SchoolSummer schools off er students a wide variety of benefi ts. First and foremost, summer schools off er students an

opportunity to pursue their personal and academic interests during the summer months when regular school is not in session. Summer schools also keep children occupied and out of trouble, off er a social environment where students are able to stay in touch with one another during the summer and fulfi ll the educational needs for both gifted students and students needing remedial assistance.

If you have a gifted student, summer school can off er your child educational challenges throughout the summer months when regular school is not in session. It can also provide as a college preparatory program, preparing your student for the future.

On the other hand, if your child needs extra assistance in a subject like reading or math, summer school can help keep your child from falling behind in the upcoming school year by providing him or her with the additional educational assistance he or she needs.

Even if your child is just the average student with no special needs or requirements, summer school can provide him or her with programs and activities that interest them on a personal level, while providing them with something to occupy their time during the summer.

One of the best things about summer school is that it off ers a child the opportunity to take classes that might not otherwise be available to them. For instance, a seventh-grade student interested in learning French may not have the opportunity to add the class to their schedule during the school year. Summer school off ers them the opportunity to take the class on their own without having to wait for high school.

Th e Costs of Summer SchoolTh e cost of summer school varies depending on a number of factors. Some summer school programs are absolutely

free while others cost thousands of dollars. Th e exact amount needed to send a child to summer school is determined by where the child lives, whether or not the child qualifi es for any special programs or assistance, the programs the child is interested in enrolling in, and how many weeks the course of study is.

If your child is enrolling in a summer school that involves room and board, the program can easily cost thousands of dollars. However, if your child is attending a six-week summer day-school program sponsored by a public school, the entire course may only cost $50. If summer school classes are recommended by your child's teacher, you may not even have to pay for the summer school classes at all, depending on the policies of the school and the school district.

Is Summer School Right For Your Child?Th e biggest decision to make when considering summer school is whether or not summer school is right for your child.

Because of this, your child's personality, interests and needs must be taken into consideration as well as your lifestyle and what your child's friends will be doing during the summer.

Does your child have any special interests that could be catered to by a summer school program, such as a musical instrument, art or another course of study? Does your child need extra assistance in remedial learning? Does he or she have special academic gifts that require constant stimulation and challenge? Any of these situations are a sign that summer school would be a great opportunity for the student. On the other hand, if your child is interested only in sports and all of his or her friends are attending a sports camp in the area, summer school may not be the best choice for your child.

Your lifestyle must also be taken into consideration when deciding whether or not you should enroll your child in summer school. If your family tends to travel quite a bit during the summer, you will need to plan your trips around your child's summer school schedule. If you don't, your child may fall behind in coursework.

Do you work full time? If you won't be there to drive your child to and from classes, you'll need to arrange for proper transportation. Th ese are some things that must be considered when determining whether or not to enroll your child in a summer school program.

Th e best way to decide on whether or not to send your child to summer school is to begin researching the programs available in your area. If you have a well-rounded summer school program in your area, there is likely to be a wide selection of summer school courses for your child to choose from. Sit down with your child to discuss the options and see what is best for you and your family.

What is a Summer School?



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www.TheTownCommon.com March 13 - 19, 2013Continued from page 7

Religious Education Office. For more information, please contact Suzanne Carpentier 978-500-2523

WEDNESDAY, MARCH 20th

WEDNESDAY MORNING BIRDING

Join Joppa Flats Sanctuary Director Bill Gette and USFWS veteran David Weaver for this weekly birding field trip in the Newburyport/Plum Island area. Appropriate for all birding levels. Wednesday, March 20, 9:30 am-12:30 pm Meet at the Joppa Flats Education Center, One Plum Island Turnpike, Newburyport. $17. Preregistration is not required. Call 978-462-9998 for information about additional programs and events, or visit the Web site at www.massaudubon.org/joppaflats. Joppa Flats is now taking registrations for summer daycamp. Please note that Joppa Flats will be closed on Sunday, March 31, for the Easter holiday.

SALISBURY SENIORS SEMINARFree Pizza Lunch and Seminar,

Wednesday, March 20th @ Noon: Anti-bullying presented by Jason Ebacher of Essex County Sheriff’s Department. Peer bullying is rapidly increasing among senior adults. It is not always easy to tell the difference between bullying and someone’s bad mood. Join us for this informative presentation to determine the causes,

impact and insight as to why bullies behave the way they do and what we can do about it! Please call to pre-register 978-462-2412

AFTERSCHOOL AT JOPPA: CREATURES OF THE NIGHT!

Children in grades 1 to 4 are invited to engage in wildlife learning experiences with a different theme each week. Come for one or sign up for the series. Coming up: March 27 – Signs of Spring; April 3 – Waterfowl Wardens; April 10 – Early Birds. Wednesday, March 20, 3:30-5:00 pm Meet at the Joppa Flats Education Center, One Plum Island Turnpike, Newburyport. Fee per session: $15. Preregistration is required. Call 978-462-9998 for information about additional programs and events, or visit the Web site at www.massaudubon.org/joppaflats. Joppa Flats is now taking registrations for summer daycamp. Please note that Joppa Flats will be closed on Sunday, March 31, for the Easter holiday.

GRANGE TO PRESENT CLINICAL RESEARCH PROGRAM

Rowley Grange will sponsor a Clinical Research Program on March 20th at the Rowley Library at 7:30pm that is open to the public. Terry Stubbs, C.E.O. of Active Med Practices and East Coast Clinical Research will speak on “Polio, the

fastest clinical drug approved int eh U.S. History of Medicine. Since 1995 over 580 Clinical Studies have been made with the Clinical Research by this company. Current studies are Diabetes 1, Depression, Bipolar, Binge Eating, Irritable Bowel Syndrome, Warts, Acne, Cardiovascular Disease, COPD, and new studies every day. This is very interesting when she has a lot of new studies that are available, some studies receive compensation. Terry has won several awards for the Haverhill Chamber of Commerce for her work over the years. Why not plan to attend this informative meeting? There will be refreshments served.

WEDNESDAY EVENING LECTURE: A VISIT TO THE LAND OF OZ AND NZ

Birding Veteran Dave Weaver presents an evening of photographs and stories about a recent birding trip to Australia and New Zealand. Wednesday, March 20, 7:30 pm – 8:30 pm Meet at the Joppa Flats Education Center, One Plum Island Turnpike, Newburyport. $4. Preregistration is not required. Call 978-462-9998 for information about additional programs and events, or visit the Web site at www.massaudubon.org/joppaflats. Joppa Flats is now taking registrations for summer daycamp. Please note that Joppa Flats will be closed on Sunday, March 31, for the Easter holiday.

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UB study, heavy smokers—those who had at least 26 pack-years of smoking, or the equivalent of having smoked a pack a day for 26 years—were nearly twice as likely to report having experienced tooth loss overall and more than six times as likely to have experienced tooth loss due to periodontal disease, compared to those who never smoked.

Participants provided information to researchers using a detailed questionnaire covering smoking history. Each participant also underwent a comprehensive oral examination and reported to the dental examiners reasons for each tooth lost. In some cases, the patient’s dental records also were reviewed.

“We found that heavy smokers had significantly higher odds of experiencing tooth loss due to periodontal disease than those who never smoked,” explains Mai. “We also found that the more women smoked, the more likely they experienced tooth loss as a result of periodontal disease.”

The paper notes that cigarette smoke may accelerate periodontal disease and that other studies suggest that chemicals found in smoke may favor plaque-forming bacteria that could reduce the ability of saliva to be protective. Nicotine also has been shown to reduce bone density and bone mineral factors while estrogen hormones have been found to be lower among women who smoke.

Please keep in mind that although this study focused on women, there is plenty of other evidence which shows that smoking in general, especially combined with those that carry the periodontal disease gene, increases anyone’s risk for tooth loss.

Dr. St. Clair maintains a private dental practice in Rowley and Newburyport dedicated to health-

Women + Smoke = Less Teethcentered family dentistry. If there are certain topics you would like to see written about or questions you have please email them to him at [email protected]. You can view all previously written columns at www.jpeterstclairdentistry.com/blog.

Brighter Smiles...

BY J. PETER ST. CLAIR, DMD

According to a new study published and featured on the cover of the current Journal of the American Dental Association by researchers at the University at Buffalo, postmenopausal women who have smoked are at much higher risk of losing their teeth than women who never smoked.

As stated in a recent release from the University of Buffalo (UB), the study involved 1,106 women who participated in the Buffalo OsteoPerio Study, an offshoot of the Women’s Health Initiative, (WHI), the largest clinical trial and observational study ever undertaken in the U.S., involving more than 162,000 women across the nation, including nearly 4,000 in Buffalo.

The UB study is the first to examine comprehensive smoking histories for participants that allowed the researchers to unravel some of the causes behind tooth loss in postmenopausal women who smoked.

“Regardless of having better oral health practices, such as brushing and flossing, and visiting the dentist more frequently, postmenopausal women in general tend to experience more tooth loss than men of the same age,” says Xiaodan (Shee-ao-dan) Mai, a doctoral student in epidemiology in the UB Department of Social and Preventive Medicine in the School of Public Health and Health Professions. “We were interested in smoking as a variable that might be important.”

The release cites that in the

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Sold Single Family HomesAddress, Town Description DOM List Price Sold For Orig Price9 Ash St, Amesbury 12 room, 7 bed, 2f 1h bath Cape 57 $184,990 $177,500 $204,930 5 Claire Rd, Amesbury 7 room, 4 bed, 1f 0h bath Ranch 57 $249,900 $232,500 $249,900 13 Lakeshore Dr, Amesbury 4 room, 2 bed, 1f 0h bath Cottage 612 $250,000 $210,000 $250,000 13 Marlboro St, Newburyport 6 room, 2 bed, 1f 0h bath Colonial 29 $270,000 $253,500 $260,000 155 Linebrook Rd, Ipswich 4 room, 2 bed, 1f 0h bath Ranch 64 $275,000 $275,000 $265,000 16 Pleasant View Ave, Amesbury 8 room, 3 bed, 1f 1h bath Cape 251 $229,900 $220,000 $285,000 541 Washington St, Gloucester 6 room, 2 bed, 1f 0h bath Colonial 25 $299,000 $274,000 $299,000 57 Southern Blvd, U:3, Newbury 4 room, 2 bed, 1f 0h bath Cape 40 $329,900 $329,900 $329,900 837 Washington St, Gloucester 7 room, 3 bed, 2f 0h bath Colonial 7 $339,900 $322,000 $339,900 4 54th, Newburyport 5 room, 2 bed, 1f 1h bath Cottage 60 $335,000 $295,000 $350,000 11 Myrtle Ave, Newburyport 6 room, 3 bed, 1f 1h bath Cape 30 $359,900 $363,500 $359,900 13 Summer St, Merrimac 6 room, 3 bed, 2f 1h bath Colonial 183 $375,000 $375,000 $369,900 47 Hanover St, Newbury 8 room, 4 bed, 2f 0h bath Cape 14 $384,000 $384,000 $384,000 52 E Main St, Georgetown 10 room, 5 bed, 1f 1h bath Colonial 74 $263,000 $263,000 $399,900 31 Chestnut St, Hamilton 6 room, 3 bed, 1f 1h bath Colonial 224 $408,500 $400,000 $408,500 20 Englewood Dr, Gloucester 8 room, 3 bed, 3f 0h bath Colonial 183 $389,000 $379,000 $429,000 184 Andover St, Georgetown 10 room, 3 bed, 2f 0h bath Colonial 252 $429,000 $412,000 $449,000 3 Pine Island Rd, Newbury 8 room, 3 bed, 2f 0h bath Cape 44 $449,000 $445,000 $449,000 Lot-17 Oleo Woods, Newburyport 8 room, 4 bed, 2f 1h bath Cape 318 $489,900 $527,000 $479,900 27 Broadway, Rockport 6 room, 3 bed, 2f 1h bath Antique 66 $499,000 $475,000 $499,000 127 Haverhill Rd, Amesbury 13 room, 3 bed, 3f 0h bath Contemporary 187 $315,000 $297,500 $499,900 17 Old Pine Island Rd, Newbury 9 room, 4 bed, 2f 1h bath Colonial 227 $534,000 $522,500 $539,900 27 Arrowhead Cir, Rowley 8 room, 4 bed, 2f 1h bath Colonial 39 $549,900 $530,000 $549,900 39 Summer St, Ipswich 8 room, 4 bed, 2f 0h bath Colonial 241 $539,000 $520,000 $559,000 266 Northern Blvd, Newburyport 6 room, 3 bed, 2f 1h bath Contemporary 776 $569,900 $559,900 $569,900 44 Glendale Rd, Boxford 8 room, 4 bed, 2f 1h bath Colonial 251 $559,000 $540,000 $579,000 264 High St, Newburyport 10 room, 6 bed, 2f 1h bath Colonial 606 $550,000 $530,000 $589,000 278 Wethersfield St, Rowley 12 room, 5 bed, 3f 0h bath Colonial 220 $574,900 $574,900 $599,900 52B Ferry Rd, Newburyport 6 room, 3 bed, 2f 1h bath Colonial 19 $599,900 $585,000 $599,900 50 Southern Ave, Essex 11 room, 3 bed, 2f 0h bath Cape 72 $599,900 $570,000 $599,900 877 Highland St, Hamilton 10 room, 4 bed, 4f 1h bath Other 72 $679,000 $645,000 $679,000 38 Munroe St, Newburyport 7 room, 3 bed, 2f 0h bath Greek Revival 252 $599,000 $585,000 $699,000 50 Beach St, Rockport 6 room, 3 bed, 2f 1h bath Contemporary 72 $799,000 $799,000 $799,000 9 Farrington Ave, Gloucester 8 room, 3 bed, 3f 1h bath Other 303 $1,795,000 $1,550,000 $1,795,000 Single Family Listings: 34 Avg. Liv.Area SqFt: 2,348.94 Avg. List$: $472,747 Avg. List$/SqFt: $231Avg. DOM: 174.32 Avg. Sale$: $453,579 Avg. Sale$/SqFt: $221 2013 MLS Property Information Network, Inc.

Buyer and a Budget

Letters To The Editor

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Pets, Animals, Plus

Health & Fitness



ForSale

was to keep 1% of whatever you paid for your home in a separate account for fixes and keep that account at or above the 1% at all times.

Stuff: Does your significant other want to buy all new furniture because you bought a new home? Do you need to another flat screen TV? Factor this in.

Assumptions: Don’t assume this is the last home you will ever buy and that you can extend beyond a budget. Situations change. You may need something bigger or get a call from an old friend offering you a job of a lifetime in another state.

Homeownership is a fantastic thing, a terrific way to build wealth and belong to a community. Purchase, but do so wisely.

After all that keep in mind that you can actually get some things (gifts, food, etc.) for free…have a housewarming party.

If you have any questions about this article, real estate in general or are looking to buy or sell a home please contact me, John McCarthy at Rowley Realty, 165 Main St., Rowley, MA 01969, Phone: 978 948-2758, Cell 978 835-2573 or via email at [email protected]

2008, 2009, 2010, 2011, 2012!

mortgage representative what these closing costs will total. Information as always is the key.

Private Mortgage Insurance (PMI): If you are unable to put 20% of the purchase price as a down payment most lenders will require private mortgage insurance. Like most rules there are exceptions to this but lenders typically require PMI to protect themselves from the buyer’s potential default. Costs to the buyer can range from less than 1% of the mortgage amount to as high as 6%. The most common one I have run into is $.50 per $1,000 loaned. For example, a $300,000 loan will cost you $1,500 per year, paid out monthly ($125/month). Payments are typically made monthly and do not reduce your principal. As a borrower this does you no good. Pay down your principal and most importantly speak with your lender as to how and when you can remove this payment.

Taxes: Before you decide on a property, find out exactly how much property taxes are each year. As you probably well know, even as your property values declined over the last 6 or 7 years your property taxes rose. The assessed value of your home probably declined but the tax rate most surely went up.

Insurance: Check with your agent to see what your payment will be. Do you need you need other items (furniture, big screen TV’s, diamond rings) insured as well?

Fixes: You got through the home inspection without an issue and you purchased a home with a new heating system, hot water heater, roof and appliances. Nothing to worry about right? WRONG! You are going to have something break, leak, burst, flood, steam, smoke or crack in that first year you own the house. Count on it. A good rule of thumb I was told

QUESTION: What is the most important thing to consider when buying a home? ANSWER: Where your mother in law lives in relation to the home you are buying.

Just kidding Pauline!!! The answer should be your budget. Money and what is budgeted (if any) for your home is where most people go wrong. Think about it. If this was a beautiful move- in condition home when you bought it, and you now can’t afford to do fix anything than your dream home is now a financial nightmare.

Think about all the financial obligations that go into buying a home. The Boy Scout motto is best here: Be Prepared.

You have gone to the bank or mortgage company and found out the amount you are preapproved for. Are you comfortable with that number? Keep in mind that you don’t have to borrow all of that money. That is the maximum amount you will receive from that financial institution. Take this loan number and figure your monthly payments. There are plenty of calculators online to help you do this. This number is only your principal loan amount and interest. You will need to factor in a number of other items as well, and some of these items are often overlooked.

Down Payment: Everyone knows you need some sort of down payment to purchase a home (there are a few exceptions) but in factoring in this amount are you leaving yourself cash poor? Did you forget that you will have closing costs? One possible solution to keep some of your cash is to ask the seller to pay for closing costs during the purchase negotiations. For example, the buyer may say to the seller “OK, we will agree to pay $400,000 for your home but we want you to you pay $3,000 toward our closing costs”. Ask your

By John McCarthy, Rowley Realty
















of Readingwww.rowleyrealestate.com Phone 978-948-2758 • Fax 978-948-2454

165 Main St., P.O. Box 101, Rowley, MA 01969

ROWLEY REALTY

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Page 1� www.TheTownCommon.com March 13 - 19, 2013

ARIES (March 21 to April 19)You could have some problems with doubters who don't share your enthusiasm for that new project you're supporting. But use the facts to win them over to your side.TAURUS (April 20 to May 20)

Someone is impressed by how you managed to get your case to the right people, despite attempts to keep you on the outside looking in. Expect to hear more about this.GEMINI (May 21 to June 20) Good for you -- your gift for seeing both sides of a dispute helps cool down a potentially explosive workplace situation. Some family-related tensions also begin to ease.CANCER (June 21 to July 22) Your determination to prove yourself is put to the test by midweek. Counting all the positive factors you have going for you will help you get over your self-doubt. Good luck.LEO (July 23 to August 22) Several co-workers are still determined to resist coming over to your side. But don't let that stop you from presenting your proposal to the people who count. Stay the course.VIRGO (August 23 to September 22) You might prefer to be taken on faith and not have to prove yourself. But the truth is, you need to off er more facts if you hope to persuade people to accept what you say.LIBRA (September 23 to October 22) A family situation takes an unwelcome turn. While others might be looking around for answers, you'll soon sort it all out logically, and the matter will be resolved.SCORPIO (October 23 to November 21) Someone might try to create doubt about your reliability for his or her own agenda. But your reputation and your colleagues' long-standing faith in you saves the day.SAGITTARIUS (November 22 to December 21) An unexpected change of plans forces you to come up with an alternative by the end of the week. Look for colleagues to off er valuable suggestions.CAPRICORN (December 22 to January 19) Nothing upsets the Goat as much as broken promises. But before you vent your anger, consider that this could ultimately prove to be a blessing in disguise.AQUARIUS (January 20 to February 18) An old workplace problem you thought you had solved for good resurfaces. But this time, co-workers will take a more active role in helping you deal with it.PISCES (February 19 to March 20) Be careful not to be misled by a negative reaction to one of your more important projects. If you believe in it, then it has worth and is, therefore, worth staying with.BORN THIS WEEK: Everyone appreciates your gift for fi nding beauty, even where it seems least likely to exist.

(c) 2013 King Features Synd., Inc.

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Senior Moments

Community Calendar

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COINSITEMS WANTED – Wanted by Pratt Coin and Hobby in Georgetown. u.S. Coins, silver, gold, foreign world money. old pocket watches, wrist watches, costume jewelry and post cards. Wheat pennies, Pre-1958 - 2 1/2 cents each.

20 E Main St, Georgetown, MA Mon-Fri 8:30a-6p, Sat 10a-5p

Phone 978-352-2234

JUNK



FREEJUNK REMOVALTHAT’S RIGHT, ABSOLUTELY FREE!!I will take away your junk for FREE!!

CALL NOW! [email protected] 2x2

DONE

PB


$69.95 For the First 4 Rooms Cleaned

Affordable Quality ServiceFree EstimatesLicensedInsuredBonded

Prices Starting...

MA (978) 416.0602NH/ME (603) 685.3182

MA (978) 416.0602NH/ME (603) 685.3182

ttc_03_13_13.vol_9.no_19.p1-16.pdf

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