TTC_08_22_18_Vol.14-No.43.p1-12

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Page 2 www.TheTownCommon.com August 22 - 28, 2018 How to Submit Letters to the Editor Marc Maravalli, B.S., R.Ph. Publisher/Editor, The Town Common Letters to the Editor provide a useful way of communicating concerns, issues, or suggestions to all members of the community. The Town Common encourages all citizens to submit letters concerning issues of interest and concern to the local community. Letters selected for publication may be edited for length and clarity. Some letters may serve as a catalyst for other articles or coverage, and community leaders and agencies will be offered an opportunity to respond to letters concerning their areas of responsibility. All letters must be signed and include a daytime telephone number. Letters may be submitted to: The Editor c/o The Town Common 77 Wethersfield St. Rowley, MA 01 or preferably via e-mail to: editor@thetowncommon.com. The for Inside/Outside Town Sales Common federal holiday necessitates an The Town Common deadline is pm Wednesday (except when a earlier deadline). The Town Common serves the communities of the Upper North Shore of Mass. & Coastal New Hampshire and welcomes your participation. Send your Organization or Group Notices, Birth or Engagement Announcements, Photos, Articles and Letters to the Editor, by mail, phone, fax, or e-mail to: 77 Wethersfield St., Rowley, MA 01969 Phone: 978-948-8696 Fax: 978-948-2564 E-mail: news@thetowncommon.com The Town Common Marc Maravalli, Publisher / Editor editor@thetowncommon.com Graphic Design Services graphics@thetowncommon.com Advertising Opportunities advertise@thetowncommon.com Event and Announcement Submissions events@thetowncommon.com 77 Wethersfield Street Rowley, MA 01-1713 Phone: (78) 48-8 Fax: (78) 48-24 www.thetowncommon.com The Town Common is not responsible for typographical errors or omissions, but reprint opportunities do exist for prompt notification of such errors. Advertisers should notify The Town Common of any errors in ads on the first day of issuance. No credits &/or refunds are offered or implied. All material and content cannot be duplicated without written consent of the publisher. The right is reserved to reject, omit, or edit any copy offered for publication. Copyright 2004-2018 The Town Common © - All Rights Reserved In loving memory of Liz Ichizawa, Reporter (1 - 200) HELP! Beatles Tribute Band at Castle Hill August 23 HELP! will perform Beatles cover music at Castle Hill’s Summer Picnic Concerts on Thursday, August 16. During the concert, attendees may visit the gardens; try a landscape-themed eye spy; or check out TunnelTeller, the interactive art installation by Alicja Kwade on the former site of the estate’s hedge maze. Attendees may bring a picnic supper or purchase seafood, roast beef, pizza, ice cream and other snacks from on-site vendors. Ipswich Ale, Mill River Winery and Far From the Tree Cider will sell beverages at a beer and wine garden. Outside alcoholic beverages are not permitted. The final performer this summer is Orville Giddings Band—Boogie Blues--August 30. Castle Hill on the Crane Estate, 290 Argilla Rd., Ipswich. Thursday, August 23, 7:00 p.m. – 9:00 p.m. Gates open at 5:00 p.m. for picnicking.Admission is at the gate only: $30/car or $20/car for Trustees members. Motorcycles and walk-ins are $10 for nonmembers and $8 for members. Weather cancellations (if necessary) will be announced by 3:00 p.m. concert-day. Please visit www.thetrustees.org/picnicconcerts or call 978.356.4351 x4015 for more information. OBITUARY Epstein, Charlotte Adams 76 a native of Ipswich, she resided of Rowley passed away July 25, 2018 in Clearwater, Fl. A graduate of St. Vincent’s School of Nursing, she is the loving mother of Kathy E. Epstein-Leis and David R. Epstein; devoted grandmother of four. Complete obit at www. rlwilliams.com W A N T E D MOTHERS & OTHERS VERY Generous commissions, Quality Leads, Supportive Team, Flexible schedule, No cap on earnings This opportunity truly pays well for attentive, consistent and persistent individuals. Bonuses and Perks too! Perfect Position for recent/current Marketing Grads or Mother's looking for a flexible schedule Only SERIOUS candidates need apply! NEW MANAGEMENT! NEW LOOK!! The Town Common 77 Wethersfield St., Rowley, MA 01969 E-mail: editor@thetowncommon.com Plan your next event! Catering . Clambakes . Full Service Events CALL 978-356-2050 Mention this ad and get a free cup of chowder with purchase 196 High St, Ipswich 978-356-7201 www.ipswichclambake.com The Basics of Credit Scores and Credit Reports Presented by Nichole D. Raftopoulos, CFP®, CDFA, AIF®, MPAS SM ––––––––––––––––– As consumers, we know that having a good credit score is important. Whether you are applying for a loan or signing up for a credit card, your credit score plays a major role in determining if you will be approved. Your credit score can also have a significant impact on loan terms and borrowing costs. What is a credit score? When you borrow money from a lender or sign a contract pledging to make payments, the other party needs to assess how likely it is that you will fulfill your obligations. Your credit score is a measure of risk that helps lenders quantify this likelihood in real time. Types of credit scores The FICO® Score, created by the Fair Isaac Corporation, is the most commonly used credit measure. Although in this article we focus on FICO, you should be aware that other scores—for example, VantageScore and PLUS Score—evaluate credit worthiness using their own methodologies. A consumer’s base FICO Score ranges from 300 to 850—the higher the consumer’s score, the lower his or her risk to lenders. During the past 25 years, the base FICO Score has undergone many revisions, and the scoring methodology has evolved to account for new data points. How a FICO Score is calculated When a consumer obtains credit, the lender reports the information to the three major U.S. credit bureaus: Equifax, Experian, and TransUnion. The information then goes into the individual’s credit report, which provides the raw data used to calculate the credit score. The credit report includes the consumer’s personal information (e.g., date of birth, social security number), all of his or her account information, information about credit inquiries, and negative information such as bankruptcies and late payments. For calculating an individual’s credit score, the FICO formula looks at five primary categories of information: 1. The consumer’s total amount of debt 2. The combination of different types of accounts 3. The consumer’s history of making payments on time 4. How old the consumer’s credit history is 5. The amount of new credit applied or shopped for Although some categories like payment history and amount of debt are more heavily weighted in determining the FICO Score, the relative importance of a category can be affected by the aggregated information in the consumer’s credit report. Improving and maintaining your credit score Consumers may request their credit report once a year from each credit bureau. There is no cost to request the three reports, and they can be obtained easily online through www.annualcreditreport.com. Considering the importance of credit scores, consumers should make a concerted effort to monitor and protect the information that makes up their scores. Request your credit reports at least annually and diligently check the information for accuracy. Take pride in having a good score and enjoy the benefits that come along with it. 69 York Street, Suite 1 • Kennebunk, ME 04043 T 207-985-8585 F 207-985-8595 TOLL FREE 888-683-7834 14 Manchester Square, Suite 275 • Portsmouth, NH 03801 T 603-766-0471 TOLL FREE 800-439-0652 Securities offered through Commonwealth Financial Network; Member FINRA/SIPC. Investment Advisory Services may be offered through Commonwealth Financial Network, a Registered Investment Adviser and/or Nvest Financial Group, LLC, a Maine and New Hampshire-licensed Investment Adviser. Advisory Services, Fixed Insurance Products and Services offered by Nvest Financial Group, LLC are separate and unrelated to Commonwealth. © 2018 Commonwealth Financial Network®
August 22 - 28 , 2018 www.TheTownCommon.com Page 3 Artist Shanties Proposed for the Waterfront ‘Thank You, You Saved My Life’ Continued from page 1 In the first two years, the program has helped 110 people. Of those, 58 have been discharged. And Hutchison said proudly that none of those discharged have relapsed and come back into the program. The current case load is 52 individuals. A social worker at the Pettengill House handles 10 cases. Master’s program interns help people with lesser issues, such as depression, Hutchison said. She sees four individuals a day or 20 a week, traveling to their home for one-on-one counseling. Many of these people suffer from more serious problems, including addictions to alcohol and drugs. They are self-medicating to stop the voices or cope with loneliness, she said. The police referred her an elderly woman who was a chronic shoplifter. The court put her on probation, and EMHOT is working with her to help her cope with a lot of trauma she has experienced. Others are hoarders. “There are no resources for hoarders,” she said. Hutchison has started a weekly support group for the elderly with mental health issues. They come to be with others and learn they are not alone facing their challenges, she said. The meetings are held at the Amesbury Senior Center Wednesday afternoons from 2 to 3 o’clock. The Amesbury Senior Center also offers its Greenleaf Program, a day care service for dementia patients. The program is available Monday through Friday, 9 a.m. to 3 p.m. and includes lunch, coffee and afternoon snack for $37/day. For more information, visit www.amesburyma.gov/ seniorcommunity-center or call 978-388-8138. Come in for a visit and compare! Continued from page 1 are working with other groups, mosaics and woodworking. foundation’s first 11 grants including Theater in the Open, Honegger said the plan is for -Since 1954 (978)-948-2552 through its Creative County to plan the shanties. Moynihan one shanty to be used for live Sea View Retreat Initiative. and Honegger said a number of performances. The city is also applying to the details, such as where to place the Newburyport has not yet set An extended Care Community National Education Assn.’s Home shanties on the waterfront, have any hours, but the Hyannis Town program for additional not yet been worked out. shanties are open from 11 a.m. funding, said Lois Honegger, Ben Becker, who owns BLB until at least 6 p.m. Friday executive assistant to the mayor Custom Homes, has offered to through Sunday in the spring and head of the city’s Office build the shanties. They will have through Memorial Day. They are of Arts, Tourism, and Cultural electricity and water for the artists, open seven days a week through www.seaviewretreat.com Affairs. Honegger said. They would be the summer and fall. MANSION DRIVE • ROWLEY, MA • JUST OFF ROUTE 1A The concept of the shanties was temporary structures and stored Rental fees and regulations informally presented by Council during the winter months. for the proposed Newburyport President Barry Connell last week In Hyannis, the Town of shanties have not been finalized, to the waterfront stakeholders, Barnstable described the Hyannis Honegger and Moynihan said. including the Newburyport HyArts artist shanties “as a key Fees in Hyannis range from Redevelopment Authority, the component of the downtown $75 per weekend in the spring to BIDER’S Waterfront Trust and the Harbor Hyannis revitalization initiative.” $235 for a full week in the height Commission. The shanties, it said, “support of summer. ANTIQUES Councilmember Charles the creative economy and foster Tontar, who attended the economic growth by providing check out our: ANTIQUES WANTED! meeting, described the reaction local artists a unique, affordable to the informal presentation as harbor-front location to create PRO Firefly Pottery WE PAY CASH! “tepid.” He said members of and sell their work.” SHOP now selling: the Committee for an Open Beth Francis, Essex County Skateboard, BMX Jewelry, Watches, Sterling A Paint-Your-Own Silver, Gold, and Scooter gear birthdays Waterfront expressed opposition, Community Foundation Military Items, Cigarette Pottery Lighters, Studio Broken but Bill Harris, an attorney with president and CEO, said the grant Jewelry & Watches, Swords, ForGlass Kids and China, significant influence about the given to the Firehouse and other Adults of All Ages waterfront, was said to be for the organizations “demonstrate(s) Clocks, Furniture, Comic Books, Amber project. the need and desire for artists, The proposal would have to nonprofits and community win city approval, including the leaders to engage and connect Waterfront Trust and the NRA, through the transformative power New England’s Premier Call for a tour www.bidersantiques.com (603)379-1898 603-431-7682 Skate and Bike Park depending on where the shanties of arts and culture.” www.sanctuarycarerye.com www.fireflypottery.net www.RYEAIRFIELD.com 603.964.2800 are located. The artists in the Newburyport Five years ago, when erecting shanties would be chosen by shanties on the waterfront was a jury. In Hyannis, the artists 105 County Road first proposed by Ann Ormand, rotate every two weeks. Honegger Route 1A & Route 133 then president of the Greater said she expects Newburyport to Palmer IPSWICH Ipswich, MA Newburyport Chamber of follow a similar program. It will Cleanouts pay & to Disposal shop LLC Ipswich FordContact your advertising consultant today.... Commerce, it did not gain enough The artists on the Cape engage JUNK REMOVAL SERVICE support to move forward. in photography, jewelry making, WE DO ALL THE LOADING 77 Wethersfield Street, Rowley, MA 01969 The city and the Firehouse painting, fiber arts, ceramics, single item to whole house cleanout 10 & 15 yard dumpsters available advertise@thetowncommon.com 978-948-8696 2016 Ford forExpedition XLT SUV $34,995 www.palmercleanouts.com Stk #8020 2008 Mazda Tribute $5,995 Stk #8116A 2015 Lincoln MKZ AWD $22,995 Stk #8172 2017 VW Jetta rentals private lessons $20 Family Deal Call for Free Estimate 603-770-7551 gerrypalmer@palmercleanouts.com Thelocalflavortastesbetterthanever. Route 1, Portsmouth • 436-0717 www.dinnerhorn.com www.bratskellar.com Sedan $15,995 Stk #12148A •Private & Semi-Private Rooms with Baths and Beautiful Views • Medicare/ Medicaid certified • Social Services-Speech, Physical, Occupational, & The Town Common Massage Therapies • Full Activity Program • and much more... 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