20.07.2014 Views

November 02, 2012 - Southbridge Evening News

November 02, 2012 - Southbridge Evening News

November 02, 2012 - Southbridge Evening News

SHOW MORE
SHOW LESS

Create successful ePaper yourself

Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.

www.webstertimes.net Friday, <strong>November</strong> 2, <strong>2012</strong><br />

• THE WEBSTER TIMES • 17<br />

VIEWPOINT<br />

Questions about shoplifting<br />

The reading of<br />

police logs continues<br />

to result in<br />

questions for this<br />

column.<br />

Recently, I was<br />

once again asked<br />

about the charge of<br />

shoplifting. The<br />

person wondered<br />

what it meant to be<br />

charged with<br />

shoplifting by<br />

“asportation.” She<br />

asked for some<br />

CHIEF’S<br />

CORNER<br />

STEVE<br />

WOJNAR<br />

clarification on this<br />

issue.<br />

Shoplifting, under<br />

Massachusetts<br />

General Laws<br />

Chapter 266 Section<br />

30A, contains a number<br />

of ways a person<br />

can commit a violation.<br />

Asportation is<br />

one of these terms<br />

and it is contained in<br />

the first section of<br />

this law. It is defined<br />

by Webster’s<br />

Dictionary as “The act of<br />

carrying a thing away; the<br />

removing of a thing from one<br />

place to another.” This is the<br />

common offense which most<br />

people associate with<br />

shoplifting. The definition<br />

can be rather complex, however;<br />

it generally involves<br />

intentionally taking possession<br />

of an item and carrying<br />

it away from the place in<br />

which it is stored. The most<br />

common example of this is<br />

when a person goes into a<br />

store, takes an item, and<br />

leaves without paying for it.<br />

The shoplifting statute does<br />

contain many other charges<br />

as well. They include concealment,<br />

altering merchandise,<br />

label switching, and<br />

more. The mere act of taking<br />

an item and placing it in your<br />

pocket, without leaving the<br />

store, could possibly be considered<br />

as shoplifting. If you<br />

take the price tag off one<br />

item and place it on another,<br />

it can also qualify as a violation<br />

under this section.<br />

Shoplifting costs the retail<br />

industry billions of dollars<br />

each year and the losses are<br />

passed on to the paying customers.<br />

Penalties can include<br />

a fine or jail time, depending<br />

on the value of the item.<br />

Police officers also have a<br />

statutory right of arrest for<br />

this charge without a warrant.<br />

Thanks again for your<br />

questions and comments.<br />

Please send them to me at the<br />

Dudley Police Department 71<br />

West Main St. Dudley, MA<br />

01571 or e-mail at<br />

swojnar@dudleypolice.com.<br />

Opinions expressed in this<br />

weekly column are those of<br />

Chief Wojnar only and unless<br />

clearly noted, do not reflect the<br />

ideas or opinions of any other<br />

organization or citizen.<br />

Tips to cut home energy costs<br />

With cold weather fast approaching<br />

and fuel prices on the rise, it’s<br />

time to take a proactive role to keep<br />

costs down to size.<br />

From making your house cozy<br />

warm to reducing household hot<br />

water use, the following tips are<br />

geared toward efficient fuel usage,<br />

which can translate into impressive<br />

savings!<br />

***<br />

Numbers game: It’s no secret setting<br />

the thermostat lower can<br />

reduce home heating fuel use. Here<br />

are the numbers According to the<br />

Dept of Energy: For every degree<br />

you lower the dial, expect to save<br />

from 1 percent to 3 percent of your<br />

heating bill. Better yet, lowering it<br />

five degrees for four hours a day<br />

can add up to a 10 percent savings!<br />

***<br />

Rising temperatures: While<br />

you’re turning down the thermostat,<br />

why not turn up your internal<br />

thermostat to multiply the savings<br />

effect? Donning a lightweight, long<br />

sleeved shirt averages two degrees<br />

of warmth, while putting on a<br />

heavy or wool sweater can propel<br />

your warmth quota four degrees!<br />

***<br />

In hot water: Families typically<br />

use more hot water in winter<br />

months and heating up the water<br />

can account for nearly 15 percent of<br />

total household energy costs.<br />

Lowering the temperature on the<br />

hot water heater to 120 degrees can<br />

add up to substantial savings<br />

TAKE<br />

THE<br />

HINT<br />

KAREN<br />

TRAINOR<br />

throughout the winter. Some manufacturers<br />

set water heater thermostats<br />

at 140 degrees, while most<br />

households only require 120<br />

degrees. According to the U.S. Dept<br />

of Energy, each 10 degree reduction<br />

in water temperature, you can save<br />

between 3 to 5 percent in energy<br />

costs. Another benefit? Reducing<br />

your water temperature to 120<br />

degrees also slows mineral buildup<br />

and corrosion in your water heater<br />

and pipes — helping the water<br />

heater operate at its maximum efficiency<br />

to last longer.<br />

***<br />

Unplugged: The average family<br />

has 40 “phantom” or “standby”<br />

electronics that sap energy 24/7 as<br />

long as they are plugged in.<br />

Unplugging these phantom energy<br />

users or connecting them to a<br />

power strip that can easily be<br />

turned off when not in use, saves 10<br />

percent of a typical family’s electricity<br />

use.<br />

***<br />

Most moisture: Did you know a<br />

humidifier can boost the effect of<br />

heating? Moist air retains heat better<br />

than dryer air, which translates<br />

into lower fuel costs!<br />

***<br />

Laundry list: Doing laundry<br />

takes its toll on water usage and hot<br />

and warm water cycles use more<br />

fuel than you might think. Save<br />

money by buying a cold water<br />

detergent and doing all your laundry<br />

in cold water. Typical savings<br />

realized by a family of five is up to<br />

$250 annually.<br />

***<br />

Shower switch: Switch out a hot<br />

bath for a shower. While a long, hot<br />

bath is tempting, remember, it will<br />

almost triple your cost over a shower<br />

as more water is used and must<br />

be heated. To save even more on hot<br />

water costs, replace showerheads<br />

with low flow models.<br />

***<br />

Duct work: Studies show if you<br />

have non insulated ducts that run<br />

through attics, cellars or other<br />

unheated spaces, heated air can be<br />

reduced by 60 percent before it<br />

reaches the room to be heated!<br />

Insulating duct is a cost effective<br />

fix. Small leaks in the ducts also<br />

allow heated air to escape. The remedy<br />

is as simple as applying metallic<br />

duct tape or a spray sealant.<br />

***<br />

Free inspections: It costs nothing<br />

to do a vent check, but it can lower<br />

heating costs. If you have baseboards,<br />

make sure they are fully<br />

open and operable. Move any furniture<br />

or drapes that could be blocking<br />

warm air flow. Vents or baseboards<br />

that are even partially<br />

blocked result in an unnecessary<br />

hike in heating costs.<br />

***<br />

Shut it up: Did you know leaving<br />

your chimney flue open when not<br />

in use is the same thing as opening<br />

your window several inches? You<br />

should also make sure your dryer<br />

vent closes properly to keep cold air<br />

from coming in.<br />

***<br />

Air flow: According to the US<br />

Dept of Energy, the inexpensive<br />

task of changing your furnace air<br />

filter monthly or whenever it’s<br />

dirty permits a better flow of air<br />

through your heating system. A<br />

clogged filter greatly decreases the<br />

furnace’s efficiency and makes it<br />

work harder.<br />

In addition, a clean filter reduces<br />

the strain on your furnace, which<br />

can extend its life.<br />

***<br />

Fan folly: During the winter<br />

months, use your stove and bathroom<br />

fans sparingly, as they<br />

remove precious warm air from the<br />

room. Obviously, you’ll want to use<br />

a vent to dispel moisture in the<br />

bathroom, but there’s usually no<br />

need to switch on the vent fan every<br />

time you put on the bathroom light.<br />

Ditto for a kitchen fan vent. Use it<br />

periodically while cooking; do not<br />

leave it on constantly unless smoke<br />

is an issue.<br />

***<br />

Win Dinner for Two at the<br />

Publick House — Your tips can win<br />

you a great dinner for two at the<br />

historic Publick House Historic Inn<br />

in Sturbridge! Simply send in a<br />

hint to be entered into a random<br />

drawing. One winner per month<br />

will win a fabulous dinner for two<br />

(a $60 value) at the renowned<br />

restaurant, located on Route 131<br />

across the town common in historic<br />

Sturbridge. Because I’m in the business<br />

of dispensing tips, not inventing<br />

them (although I can take credit<br />

for some), I’m counting on you<br />

readers out there to share your best<br />

helpful hints!<br />

Do you have a helpful hint or<br />

handy tip that has worked for you?<br />

Do you have a question regarding<br />

household or garden matters? If so,<br />

why not share them with readers of<br />

The <strong>Southbridge</strong> <strong>Evening</strong> <strong>News</strong>?<br />

Send questions and/or hints to:<br />

Take the Hint!, C/o the <strong>Southbridge</strong><br />

<strong>Evening</strong> <strong>News</strong>, 25 Elm St.,<br />

<strong>Southbridge</strong>, MA 01550. Or e-mail<br />

kdrr@aol.com. Hints are entered<br />

into a drawing for dinner for two at<br />

the historic Publick House Inn.<br />

For more great hints, tune into<br />

Take the Hint! one minute snippet<br />

tips aired twice daily on ORC FM<br />

98.9. And for more tips and talk, be<br />

sure to listen to my live hour long<br />

show from 9 to 10 a.m. each Friday<br />

on WARE 1250.<br />

New technology to sell old antiques<br />

Editor’s Note: This is the first part in a<br />

two-part series.<br />

As I near a quarter century of helping<br />

people sell their estate contents,<br />

antiques and collectibles, I’ve seen<br />

technology change many aspects of the<br />

antiques business.<br />

Like the antiques themselves, sometimes<br />

older is better and the tried and true<br />

methods still work.<br />

In the 1980’s and before, serious collectors<br />

would look at the offerings at local<br />

auctions to see if there was anything they<br />

might want to add to their collections.<br />

They would be competing with dealers<br />

who also wanted these items for their<br />

shop, antique co-op booth or to sell at<br />

antique shows. Dealers might be at a different<br />

auction every night to keep up with<br />

demand.<br />

Dealers often resold their acquisitions to<br />

other dealers at a markup. Items often<br />

changed hand several times before they<br />

ANTIQUES,<br />

COLLECTIBLES<br />

& ESTATES<br />

WAYNE<br />

TUISKULA<br />

reached their final buyer.<br />

Items were resold to other<br />

antique dealers so often that<br />

a joke of the time said that<br />

three antique dealers were<br />

trapped on a deserted island<br />

with one antique chair and<br />

they all made a living.<br />

Antique furniture was a<br />

big seller at auctions during<br />

this time. Bidding was very<br />

competitive and even pieces<br />

that were painted or had a<br />

rough finish sold well. The<br />

buyers would either refinish<br />

the pieces or bring them to a<br />

furnisher refinisher.<br />

Most local antique dealers<br />

set up at the Brimfield Antique Flea Market<br />

during this time. Pickers and dealers would<br />

empty out the contents of an entire estate to<br />

sell at Brimfield. One dealer told me that he<br />

had to drive back to northern New England<br />

to restock after most of his inventory was<br />

depleted during the first day of sales. These<br />

dealers from all along the East Coast and<br />

Midwest with loaded trucks were selling to<br />

buyers from throughout the world. We sold<br />

a chair to an Austrian couple that was filling<br />

a container with furniture. Our chair<br />

went in the container and was shipped to<br />

Austria. At the time, we also sold antiques<br />

in a little shop in Charlton. Three buyers<br />

from California brought a tractor-trailer<br />

with them and bought about a third of the<br />

inventory in our shop to sell back in<br />

California.<br />

Brimfield is composed of multiple fields<br />

with staggered opening times. By the time<br />

the gates for a new field opened there was<br />

usually a crowd of hundreds waiting to<br />

rush through and buy things. People had<br />

signs or wore T-shirts saying they were<br />

looking for everything from gambling memorabilia<br />

to phonograph horns. People would<br />

move by quickly asking if you had baseball<br />

items, miniature license plates, cast iron<br />

cookware, etc.<br />

Many of the same dealers are still there<br />

and buyers still travel great distances to<br />

attend but Brimfield has changed since<br />

these times. The Internet has been a big factor.<br />

First there were newsgroups where people<br />

could sell antiques. Then online antique<br />

shops appeared. eBay was founded in 1995<br />

and offers people another option to buy and<br />

sell items. Some of the people who used to<br />

race through the fields of Brimfield now<br />

search for items from the comfort of their<br />

own homes.<br />

To be continued …<br />

Contact us at: Wayne Tuiskula<br />

Auctioneer/Appraiser Central Mass<br />

Auctions for Antique Auctions, Estate Sales<br />

and Appraisal Services www.centralmassauctions.com<br />

(508-612-6111), info@centralmassauctions.com.<br />

Still time to set up owner-only 401(k) for <strong>2012</strong><br />

If you’re a small-business<br />

owner, with no full-time<br />

employees (except possibly<br />

your spouse or business partner),<br />

you’re probably used to taking<br />

care of just about everything<br />

on your own.<br />

So, if you’re thinking of establishing<br />

a retirement plan — and<br />

you should — you might also be<br />

attracted to “going solo” with an<br />

“Owner-only” 401(k).<br />

An Owner-only 401(k), sometimes<br />

known as an Individual 401(k), has<br />

been around for a few years now,<br />

and has proven quite popular —<br />

and with good reason. This plan is<br />

easy to establish, easy to administer<br />

and, most importantly, gives you<br />

many of the same benefits enjoyed<br />

by employees of a company that<br />

offers a traditional 401(k) plan.<br />

These benefits include the following:<br />

FINANCIAL<br />

FOCUS<br />

MIKE<br />

TUOMALA<br />

Tax deferred earnings — Your<br />

earnings aren’t taxed as they accumulate.<br />

Tax deductible contributions —<br />

An Owner-only 401(k) consists of<br />

two components — salary deferral<br />

and profit sharing contributions,<br />

both of which are generally 100 percent<br />

tax deductible. If you choose to<br />

make Roth salary deferrals to your<br />

Owner-only 401(k), your contributions<br />

aren’t deductible, but you<br />

won’t pay taxes on your earnings,<br />

provided you don’t take withdrawals<br />

until you’re 59 1/2 and it’s<br />

been five years since your first year<br />

of Roth deferral.<br />

Variety of investment choices —<br />

You can choose to fund your Owneronly<br />

401(k) with a wide range of<br />

investments. And you can construct<br />

an investment mix that’s appropriate<br />

for your risk tolerance and longterm<br />

goals.<br />

Furthermore, an Owner-only<br />

401(k) can potentially allow you to<br />

make greater contributions, at an<br />

identical income level, than other<br />

small-business retirement plans,<br />

such as a SEP IRA. In <strong>2012</strong>, you can<br />

defer up to $17,000, or $22,500 if<br />

you’re 50 or older (as long as you<br />

don’t exceed 100 percent of your<br />

income). Then, in addition, you can<br />

make a profit-sharing contribution<br />

equal to 25 percent of your income<br />

(slightly less if you are unincorporated).<br />

So, by combining the salary<br />

deferral and profit-sharing components,<br />

you can potentially contribute<br />

up to $50,000 to your Owneronly<br />

401(k) in <strong>2012</strong>, or $55,000 if<br />

you’re 50 or older. And these figures<br />

are doubled if your spouse also contributes<br />

to the Owner-only 401(k).<br />

However, you’re not obligated to<br />

contribute anything to your plan.<br />

So, if your business is slow one<br />

year, you might scale back your<br />

contributions, or put in nothing at<br />

all. Then, when business picks up<br />

again, you can get back toward contributing<br />

whatever you can afford,<br />

up to the maximum.<br />

Clearly, the Owner-only 401(k)<br />

can offer you some key advantages<br />

in building resources for retirement.<br />

But it’s not the only smallbusiness<br />

retirement plan on the<br />

market, so, before you make a decision,<br />

you may want to consult with<br />

your tax and financial advisors to<br />

determine if an Owner-only 401(k)<br />

is indeed the right plan for you.<br />

But don’t wait too long. You’ll<br />

have to establish your Owner-only<br />

401(k) by Dec. 31 if you want to<br />

receive any tax deductions for <strong>2012</strong>.<br />

And in any case, the sooner you<br />

start putting money away, the faster<br />

the progress you will make toward<br />

the retirement lifestyle you’ve envisioned.<br />

This article was written by<br />

Edward Jones for use by your local<br />

Edward Jones Financial Advisor.<br />

Michael Tuomala, the local Edward<br />

Jones Financial Advisor, may be<br />

contacted at his Oxford office at<br />

(508)-987-5327 or by e-mail at<br />

michael.tuomala@edwardjones.com

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!