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Letters To The Editor Page www.TheTownCommon.com August 8 - 14, 2018 Looking to SELL in 2018? Rowley Realty sold dozens of properties in 2017 in Rowley & surrounding communities, and we would love to help you sell yours this year! John P. McCarthy, CRS, ABR Cell: 978-835-2573 Office: 978-948-2758 john@rowleyrealestate.com Pauline C. White, CRB, CRS Cell: 978-314-7341 Office: 978-948-2758 pauline@rowleyrealestate.com If you are looking for experience, exceptional service and knowledge of today’s real estate market with proven success, then you should be contacting Rowley Realty. We have been a local, family-owned real estate business for over 40 years with clients in Rowley and its many surrounding communities. We take pride in the personal interest we take in our clients, and in our commitment to the communities we serve. If you are downsizing, upsizing or moving out of the area, we are here to help you. Call or email John or Pauline, and we will get you started on a successful journey. ROWLEY REALTY 165 Main St., P.O. Box 101, Rowley, MA 01969 Phone 978-948-2758 • Fax 978-948-2454 www.rowleyrealestate.com IPSWICH It will pay to shop Ipswich Ford 2016 Ford Expedition XLT SUV $34,995 Stk #8020 2014 Ford Focus SE Sedan 15,300 Miles! $11,995 Stk #8156 2015 Lincoln MKZ AWD $22,995 Stk #8172 2008 Mercury Sable Sedan $5,995 Stk #11714A See our inventory at: PRE-OWNED SPECIALS 2014 Ford Explorer XLT SUV $28,995 Stk #8146 2016 Kia Soul SUV $12,995 Stk #12082A 2015 Ford Fiesta SE $10,995 Stk #8141 2013 Ford Taurus Sedan $12,995 Stk #8021A 2016 Kia Soul $12,995 Stk #12082A 2014 Ford Escape SE 4WD SUV $18,995 Stk #8153 2012 Jeep Patriot Latitude $12,995 Stk #8163A 2014 Ford Flex SEL AWD $22,995 Stk #8155 Community Announcements AMESBURY – Bart Bailey and Bill Ellis, members of two Amesbury families with a rich tradition of carriage making, will share personal stories about life and work during the 19th and 20th century. This free program is designed to showcase how family stories can be Community a fun and interesting way to learn about Connections local history. Author Edith Maxwell will serve as program moderator. Both presenters will bring a small collection of artifacts to share with the audience. During the nineteenth century Amesbury makers built a reputation for high-quality carriages and shipped their vehicles to customers around the world. Both the William Ellis and SR Bailey Companies contributed to this economy and expanded to different markets making Business automobile bodies, trollies and Spotlight more. Our presenters will share their personal stories about their family business and the nature of daily life in the town of Amesbury. The program will begin at 7:00 pm on Wednesday, August 15 (doors open at 6:30 pm) at the Amesbury Senior Community Center, located at 68 Elm Real Estate • For Sale For Street, Amesbury. Sale The event is free and open to the public. Seating is limited – be sure to arrive early. Bart Bailey is the son of the last president of the Bailey Manufacturing Company, and the great-grandson of the company founder, S. R. Bailey. William “Bill” G. Ellis’ family roots in Amesbury go back to 1863 when his Great- Great Grandfather, W. G. Ellis of W.G. Ellis & Sons Carriage Company, arrived here became one of the town’s most industrious citizens. Edith Maxwell is the award-winning author of the Amesbury-based historical mysteries and an active contributor Sports • Sports • Sports to Amesbury’s cultural community. This program is sponsored in part by the Amesbury 350 Steering Committee, a group of residents, artists and business owners who have planned a year-long celebration for the City. For more information and a calendar of events, please visit www.amesbury350.com or contact John Mayer, Executive Director, Amesbury Carriage Museum by calling (978) 834-5058 or via email at jmayer@amesburycarriagemuseum.com. Pets, Animals, Plus ------------------------------------------------------------ IPSWICH - Ipswich Public Library announces next featured author for 2018 Johnson Lecture series. 2018 Louise & Hugh Johnson Lecture Series: Alexandra Fuller. Thursday, September 27 (7:30 p.m.) at the Mansion at the Hellenic Center (117 County Rd. Rt. 1A, Ipswich, MA). Free. Registration required. Limited seating: please register on the Health & Fitness library’s online calendar or call 978-356-6648. This event begins at 7:30 p.m. Book sales and cash bar will available starting at 6:30 p.m. (Bar will be cash only. No debit/credit cards will be accepted). The Louise & Hugh Johnson Lecture series (new in 2017) hosts well-known regional and national authors. The library is pleased to announce the next author for this lecture series will be Alexandra Fuller. Alexandra Fuller has written five books of non-fiction. Her debut book, Don’t Let’s Go to the Dogs Tonight: An African Childhood, was a New York Times Notable Book for 2002, the 2002 Booksense Best Non-fiction book, a finalist for the Guardian’s First Book Award and the winner of the 2002 Winifred Holtby Memorial Prize. Her 2004 Scribbling the Cat: Travels with an African Soldier won the Ulysses Prize for Art of Reportage. In 2008, Fuller’s The Legend of Colton H Bryant told the story of a modernday Wyoming cowboy working on that state’s oil rigs. She contributed the essay on Wyoming in the 2008 book State by State: A Panoramic Portrait of America. The New York Times Best Selling, Cocktail Hour Under the Tree of Forgetfulness, is a prequel/sequel to Don’t Let’s Go to the Dogs Tonight. 105 County Road Route 1A & Route 133 Ipswich, MA WWW.IPSWICHFORD.COM 2015 Ford C-Max Energy $17,995 Stk #8209 2008 Mazda Tribute $6,995 Stk #8116A 2017 Ford Edge SEL SUV $25,995 Stk #8184 2011 Hyundai Elantra Sedan $6,995 Stk #8210 Email: IpswichFord@prodigy.net 105 County Road . Route 1A & Route 133 . Ipswich, MA . 978-356-2916 Her most recent memoir, about marriage and divorce, is entitled Leaving Before the Rains Come. Fuller has written for The New Yorker, Vogue, and is a frequent contributor to National Geographic Magazine. Her first novel is Quiet Until the Thaw. On September 27, Fuller will read from and discuss her books. The Johnson Lecture Series is made possible by a permanent endowment by Louise & Hugh Johnson. The Johnson endowment was left to and is managed by the Friends of the Library and is intended to enrich the lives of Ipswich residents. For more information, contact Nathalie Harty (nharty@ipswichlibrary.org|978-356-6648) ------------------------------------------------------------ HAMPTON FALLS - Have your herbs gone wild this summer? Rita Wollmering, founder and manager of The HERB FARMacy, will demonstrate how to make hand-crafted herbal products, such as herbal vinegars, herbal salts, sachets, herbal oil, and herbal cleaning products. The presentation will take place on Wednesday, September 12, 2018 at 6:30 p.m. at the Hampton Falls Free Library. Ms. Wollerming is a dynamic and engaging speaker on horticultural topics with a specialty in herbs and “going green.” After growing up on a 500 -acre dairy farm in Minnesota, Ms. Wollerming joined the Peace Corps and worked on agricultural projects in the Philippines. She continued her international work with USDA and USAID in countries such as Nepal and Sri Lanka. Locally, she is the founder, manager, and grower of The HERB FARMacy in Salisbury, MA. The program is free and open to the public. The Library gratefully acknowledges the Friends of the Hampton Falls Free Library for sponsoring this program. The Hampton Falls Free Library is located at 7 Drinkwater Rd. in Hampton Falls, NH. For further information, check the Library’s website at www.hamptonfallslibrary.org or call the Library at 926- 3682. ------------------------------------------------------------ NEWBURYPORT - The Newburyport Choral Society will host a “Summer Sing” of excerpts from Bach’s B Minor Mass on August 27th at 7:00 p.m. at Annunciation Greek Orthodox Church in Newburyport. All musical talent levels welcome to sing along, or just come and listen! Four professional vocal soloists will be featured, and NCS Music Director Dr. George Case will also provide commentary and historical information about the piece. Free event. Open to all. Refreshments will follow the performance. Visit www. newburyportchoralsociety.org for additional information. ------------------------------------------------------------ SEACOAST - The Seacoast Newcomers Club (SNC) will host the clubs annual September kick-off Coffee on Wednesday, September 12th, beginning at 9:30 a.m. It will be held at the York Golf and Tennis Club, 213 Organug Road, York, Maine. They welcome women from New Hampshire, Northern Massachusetts, and Southern Maine, both newcomers to the area as well as long-time residents, to attend the Coffee and find out more about SNC. Now in its 48th year, SNC offers its members the opportunity to make new friends, share common interests, and participate in a wide variety of monthly social, educational, and or community activities. For more information visit www. seacoastnewcomersclub.com. No RSVP is necessary.
Community Connections Business Spotlight August8 - 14 , 2018 www.TheTownCommon.com Page 7 Real Estate • For Sale For Sale Ready, Set…Buy Seabrook The Town Co Sports • Sports • Sports Lobster Pound By John McCarthy, Rowley Realty “A New The England North Favorite Shore’s Since Largest 1950” Independent Co To rent or to own? That is the homeowners insurance of 3 months not be seen as such a daunting task Boiled Lobster * Steamed Clams question that thousands of people Pets, in advance. All Animals, these fees should be that you continue Plus to rent. Don’t let Fried & Baked Seafood * Sandwiches ask themselves each year. Do you known to you well before you close. the perceived enormity of what is in Open Every Day from Apr 1st - Nov 15th Route 286, Seabrook Beach, NH Call Ahead want to continue to rent and pay A Good Faith Estimate given to you front of you hold you back. Take Open Fri, Sat, Sun & Holidays your landlord’s mortgage or is it time Health initially should be very & close to Fitness 100% the first step. Talk with your local 603-474-3331 Take Out Nov 15th - Apr 1st to invest in a place you can call your accurate when the actual closing experienced REALTOR®. He or she own? With interest rates still very numbers come out. One tip, when can give you an idea as to what is out low, it is a great time to buy. Are you make your offer to the seller you there for you and what you should New Dining Room you ready though? Do you feel more can ask that these fees be paid for by do next. As with anything the more Full Bar comfortable renting? Is the thought the seller at closing. Obviously this knowledge you have going into the Italian Deli & Marketplace of jumping in or jumping back into reduces the value of your offer but process the better. Take out the real estate market scary? Are you it does free up extra cash for you at If you have any questions about this Grab & Go even able to buy? Let’s look at some closing. article, real estate in general or are looking Party Trays considerations you need to make in Oh Happy Day! to buy or sell a home please contact me, order to own your own home. Owning a home versus renting John McCarthy at Rowley Realty, 165 978-465-2225 Got Cash? means that there are additional Main St., Rowley, MA 01969, Phone: Unless you can get a Veterans expenses involved as a new homeowner. 978 948-2758, Cell 978 835-2573 or GiuseppesFineFood.com 257 Low St . Newburyport Administration (VA) loan or Utilities and services that are generally via email at john@rowleyrealestate.com something similar, which will loan paid for by your landlord when you the full purchase price with no money rent now must be taken care of by you. down, you will need some money The most obvious expenses are energy saved for the closing. There are Federal costs (gas, electric, oil), but things Sold Single Family Homes Housing Administration (FHA) loans like trash and snow removal are now that require as little as 3.5% down but your responsibility. Whenever you sit Sponsored By: for the best rates banks and mortgage down to plan a budget for a new home companies prefer that you put 20% or consider these expenses, also plan on CALL FOR A FREE ESTIMATE more down. Paying 20% is not only them increasing in upcoming years. 978-948-465-5831 to your advantage in keeping mortgage One suggestion I received when payments lower, but helps you avoid my wife and I bought our house was www.ferrickmovers.com Winner of the 2018 Best of the Best Moving Company the necessity for private mortgage saving 1% of the total value of your 978-948-8696 USDOT #654172 • | www.thetowncommon.com MC # 310830 | MA. DPU # 30442 • adver insurance (PMI). PMI is nothing home each year and place it into a more than insurance for the bank or separate fund. Most importantly keep mortgage company to protect itself if that money there even if you don’t use Address, Town Description DOM List Price Sold For Orig Price 9 Robert Rd, Salisbury 8 room, 4 bed, 2f 1h bath Colonial 8 AUCTION $302,400 you go into foreclosure. This money it in a year, you may need it the next 51 Lakeshore Dr, Georgetown 4 room, 2 bed, 1f 0h bath Bungalow 17 $270,000 $300,000 $270,000 is not applied to your principal and year or the year after... 9 Middle Rd, Merrimac 6 room, 3 bed, 2f 0h bath Cape 45 AUCTION $374,850 should be avoided if at all possible. As Can you get the $? 25 Powow St, Amesbury 9 room, 4 bed, 1f 1h bath Colonial 74 $286,000 $275,000 $296,000 always, consult with an experienced As I mentioned in the earlier, if you 14 Abbott St, Merrimac 6 room, 3 bed, 1f 0h bath Cape 33 $319,900 $315,000 $329,900 mortgage agent to find the best have a good job/income, good credit 41 Robbins Island Rd, Essex 5 room, 3 bed, 0f 1h bath Cottage 15 $349,000 $305,000 $349,000 program for you. and an acceptable amount of debt a 202 Lions Mouth Rd, Amesbury 7 room, 3 bed, 1f 1h bath Colonial 38 $347,000 $347,000 $350,000 444 Newburyport Tpke, Rowley 5 room, 3 bed, 1f 0h bath Ranch 40 $375,000 $350,000 $375,000 Credit, Debt & Income OK? lender would love to give you money. 9 Fairview Cir, Groveland 7 room, 3 bed, 2f 0h bath Ranch 18 $359,000 $370,000 $379,000 One myth that was prevalent when Lenders look hard at debt to income 18 Whittier St, Amesbury 7 room, 4 bed, 1f 1h bath Other 13 $389,000 $400,000 $389,000 the real estate market was down was ratios. If you make lots of money 2 Birch St, Newburyport 5 room, 3 bed, 1f 1h bath Antique 40 $400,000 $355,000 $400,000 that banks or mortgage companies but have a matching motorcycle 8 Whittier St, Amesbury 8 room, 4 bed, 1f 1h bath Victorian 37 $439,000 $429,000 $439,000 were not lending money. Simply not for each one of your boats (and an 5 49th St, Newbury/Plum Island 5 room, 3 bed, 1f 0h bath Cottage 23 $439,900 $427,500 $439,900 5 Pingree Farm, Georgetown 6 room, 3 bed, 1f 1h bath Colonial 20 $449,000 $460,000 $449,000 true! If you had good credit, a good accompanying loan on each one) it is 34 Charles St, Georgetown 7 room, 3 bed, 2f 0h bath Multi-Level 19 $449,900 $505,100 $449,900 job and an acceptable debt to income likely a bank will turn you down for 16 Roosevelt Pl, Newburyport 8 room, 3 bed, 1f 0h bath Cape 14 $459,900 $480,000 $459,900 ratio you could get mortgage money. a loan. 7 Hardy Ter, Georgetown 9 room, 4 bed, 1f 1h bath Split Entry 19 $459,900 $471,000 $459,900 That certainly hasn’t changed. Check If after finding out that your 6 Lions Way, Salisbury 11 room, 3 bed, 2f 1h bath Craftsman 16 $475,000 $492,500 $475,000 with your mortgage agent to make financial outlook is not what you 46 Lake Attitash Rd, Amesbury 5 room, 2 bed, 1f 1h bath Colonial 63 $499,900 $460,000 $525,000 Town sure your credit as well as your debt expected Common it to be, no worries, there 83 High Rd, Newbury 6 room, 2 bed, 1f 1h bath Cape 40 $525,000 $510,000 $525,000 11 Harry Homans Dr, Essex 9 room, 5 bed, 2f 0h bath Gambrel /Dutch 24 $529,000 $520,000 $529,000 to income rations are at acceptable are many ways to improve your 161 High Rd, Newbury 9 room, 4 bed, 2f 0h bath Colonial 175 $530,000 $500,000 $570,000 levels. situation. Paying off your credit cards 6 Atkinson St, Newburyport 7 room, 3 bed, 1f 1h bath Colonial 17 $589,000 $600,000 $589,000 Consider This... for example is an excellent start. This 52 Baldpate Rd, Georgetown 10 room, 4 bed, 2f 1h bath Colonial 21 $599,000 $610,000 $599,000 Don’t forget the closing costs! will not only help your debt to income 52 County St, Ipswich 5 room, 2 bed, 1f 0h bath Colonial 72 $575,000 $568,000 $599,000 Depending on what loan program and ratio but also if your credit is bruised 165 Ipswich Rd, Topsfield 8 room, 4 bed, 2f 0h bath Colonial 52 $565,000 $560,000 $599,500 lender you choose you may be faced or badly damaged. 72 Ortins Rd, Hamilton 7 room, 4 bed, 1f 1h bath Colonial 99 $559,900 $545,000 $599,900 with costs in the thousands. Weekly Some of Owning Community your own home represents Newspaper 7 Poplar Hill Cir, Merrimac 9 room, 4 bed, 2f 1h bath Colonial 48 $619,900 $620,000 $619,900 3 River Rd, West Newbury 7 room, 3 bed, 2f 1h bath Colonial 34 $649,000 $631,500 $649,000 the more expensive fees are the cost a significant personal achievement 100 Haverhill St, Rowley 9 room, 4 bed, 3f 1h bath Colonial 43 $599,000 $582,000 $689,000 of title insurance and escrows. Most and one that over time will be a great 24 Batchelder Rd, Boxford 8 room, 4 bed, 2f 1h bath Colonial 49 $699,000 $705,000 $699,000 lenders require payment of taxes and investment. Buying a home should 28 Woodcrest Rd, Boxford 12 room, 4 bed, 3f 0h bath Ranch 28 $719,500 $690,000 $719,500 1 Pop Crowley Wy, Newburyport 6 room, 2 bed, 1f 0h bath Ranch 110 $659,900 $625,000 $724,999 3 Muddy River Rd, Ipswich 9 room, 3 bed, 3f 1h bath Colonial 63 $699,900 $670,000 $729,000 17 Inverness Cir, Boxford 10 room, 4 bed, 2f 0h bath Cape 18 $829,900 $830,000 $829,900 15 Parker St, Newbury 8 room, 3 bed, 2f 1h bath Cape 15 $835,000 $840,000 $835,000 9 Fatherland Dr, Newbury/Byfield 11 room, 4 bed, 2f 1h bath Colonial 14 $850,000 $850,000 $850,000 Senior Care for Peace of Mind. 330 Merrimac St, Newburyport 6 room, 3 bed, 2f 0h bath Bungalow 5 $850,000 $855,000 $850,000 368 High St, Newburyport 9 room, 4 bed, 2f 0h bath Colonial 53 $759,900 $730,000 $899,000 • Meal Preparation • Light Housekeeping • Errands • Bathing Assistance 6 10 Allen St, Newburyport 9 K St, Newburyport/Plum Island 8 room, 4 bed, 2f 0h bath Antique room, 4 bed, 2f 1h bath Contemporary 15 61 $899,900 $979,900 $890,000 $955,000 $899,900 $979,900 • Assistance with Mobility • Alzheimer/Dementia Care 595 Highland St, Hamilton 10 room, 4 bed, 3f 1h bath Contemporary 20 $999,000 $1,080,000 $999,000 • Friendly Companionship • Up to 24 Hour Care 274 High St, Newburyport 11 room, 5 bed, 4f 1h bath Colonial 34 $1,399,900 $1,300,000 $1,399,900 • Respite Care for Families • Medication Reminders Single Family Listings: 43 Avg. Liv.Area SqFt: 2,134.56 Avg. List$: $592,415 * Avg. List$/SqFt: $300 www.visitingangels.com/newburyport www.VistingAngels.com Avg. DOM: 38.65 Avg. DTO: 27.09 Avg. Sale$: $574,090 Avg. Sale$/SqFt: $290 * Auction listings are not included in this total 2018 MLS Property Information Network, Inc. 978-462-6162 BROWN’S
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