TTC_11_28_18_Vol.15-No.05.p1-12

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Weekly Community Newspaper Letters To The Editor Page www.TheTownCommon.com November 28 - December 4, 2018 Senior Care for Peace of Mind. • Meal Preparation • Errands • Assistance with Mobility • Friendly Companionship • Respite Care for Families • Light Housekeeping • Bathing Assistance • Alzheimer/Dementia Care • Up to 24 Hour Care • Medication Reminders www.visitingangels.com/newburyport www.VistingAngels.com 978-462-6162 PUBLIC RELEASE Triton Regional School District is announcing its policy for determining eligibility of children who may receive free or reduced price meals served under the National School Lunch Program. Breakfast cost $1.75 for grades K-12 and Lunch costs $2.85 for grades K-8 and $3.10 for grades 9- 12 at TRSD. Your children may qualify for free meals or for reduced price meals. Reduced price is $0.40 for lunch and $0.30 for breakfast. Below are some common questions and answers to help you with the application process. 1. WHO CAN GET FREE OR REDUCED PRICE MEALS? a. All children in households receiving benefits from MA SNAP or MA TANF are eligible for free meals. b. Foster children that are under the legal responsibility of a foster care agency or court are eligible for free meals. c. Children who meet the definition of homeless, runaway, or migrant are eligible for free meals. d. Children may receive free or reduced price meals if your household’s income is within the limits on the Federal Income Eligibility Guidelines. Your children may qualify for free or reduced price meals if your household income falls at or below the limits on this chart. If you have received a NOTICE OF DIRECT CERTIFICATION from Triton Regional School District for the 2018-2019 school year, you do not need to complete an application. Please notify the school if any children in the household are not listed on the NOTICE OF DIRECT CERTIFICATION letter you received. Triton Regional School District families who were eligible for free or reduced meals for 2017-2018 school year must submit new applications for their children on or before October 12 th , 2018 to continue to receive free or reduced meals for the 2018-2019 school year. Call Applications 978-462-6162 are accepted at any time during the school year and will be effective when approved by the Food www.visitingangels.com/newburyport Service Office. Applications are available on the Triton’s District website under Food Services and are available at the main office of each school. If you would like to request an application be sent to you in the mail please contact your child’s school or call the Food Service Director’s office at 978-465-2397 x1063. INCOME ELIGIBILITY GUIDELINES (Effective July 1, 2018 – June 30, 2019) Free Meals (130%) Reduced Meals (185%) Twice Every HOUSEHOLD WEEK YEAR MONTH per Two WEEK SIZE Month Weeks Twice Every Contact YEAR MONTH your per Advertising Two Consultant Month Weeks today! Community Announcements AMESBURY - Fill a Sleigh Toy drive for shelter animals - December 8th 10 - 2 Upper Mill Yard, Amesbury. Shelter animals spend most, if not all, of their time in a kennel or cage. They need to keep their minds stimulated for their well-being. New (or new to them) toys are essential. Please Community consider donating a new or gently used Connections toy to help keep them happy while they wait for their forever home. ------------------------------------------------------------ IPSWICH - A Journey to Romania with the Traveling Librarian! Saturday, December 8th at 1pm at the Ipswich Public Library, 25 North Main Street, Ipswich. Join Business Reference Librarian Jeff Klapes, ‘The Spotlight Traveling Librarian,’ for an armchair traveler’s journey to Romania, one of Eastern Europe’s hidden gems. While not known as one of Europe’s great capitals, Bucharest has a wealth of architecture from many eras, and it’s not far from many of southern Romania’s rural sights. We’ll also visit Sinaia, Real Estate • For Sale For a refreshing Transylvanian Sale mountain retreat for the royal family, and Curtea de Argeş, a lovely alpine town close to the castle Sports • Sports • Sports Pets, Animals, Plus Health & Fitness 1 $15,782 $1,316 $658 $607 $304 $22,459 $1,872 $936 $864 $432 P: 978-948-8696 • F: 978-948-2564 The Town Common advertise@thetowncommon.com 2 21,398 1,784 892 823 412 30,451 2,538 1,269 1,172 586 3 27,014 2,252 1,126 1,039 520 38,443 3,204 1,602 1,479 740 4 32,630 2,720 1,360 1,255 628 46,435 3,870 1,935 1,786 893 5 38,246 3,188 1,594 1,471 736 54,427 4,536 2,268 2,094 1,047 6 43,862 3,656 1,828 1,687 844 62,419 5,202 2,601 2,401 1,201 7 49,478 4,124 2,062 1,903 952 70,411 5.868 2,934 2,709 1,355 8 55,094 4,592 2,296 2,119 1,060 78,403 6,534 3,267 3,016 1,508 Each additional +5,616 +468 +234 +216 +108 +7,992 +666 +333 +308 +154 family member, add Calculating Household Income If there is only one source of income or if all sources are received in the same frequency, no conversion is required. If there are multiple income sources with more than one frequency, the LEA must annualize all income by multiplying: Weekly income by 52; Bi-weekly income (received every two weeks) by 2; Semi-monthly income (received twice a month) by 24; Monthly income by 12. Do not round the values resulting from each conversion. Add all of the un-rounded converted values and compare the un-rounded converted total to the appropriate IEG for annual income for the household size. Refer to pages 50-52 in the Eligibility Manual for School Meals (July 2017) for more information. Non-discrimination Statement: The U.S Department of Agriculture prohibits discrimination against its customers, employees, and applicants for employment on the bases of race, color, national origin, age, disability, sex, gender identity, religion, reprisal, and where applicable, political beliefs, marital status, familial or parental status, sexual orientation, or all or part of an individual’s income is derived from any public assistance program, or protected genetic information in employment or in any program or activity conducted or funded by the Department. (Not all prohibited bases will apply to all programs and/or employment activities.) If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program Discrimination Complaint Form, found online at http://www.ascr.usda.gov/complaint__ling_cust.html, or at any USDA office, or call (866) 632-9992 to request the form. You may also write a letter containing all of the information requested in the form. Send your completed complaint form or letter to us by mail at U.S. Department of Agriculture, Director, Office of Adjudication, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410, by fax (202) 690-7442 or email at program.intake@usda.gov Individuals who are deaf, hard of hearing or have speech disabilities may contact USDA through the Federal Relay Service at (800) 877-8339; or (800) 845-6136 (Spanish). USDA is an equal opportunity provider and employer of Vlad the Impaler. This event is free and open to the public, and is funded by a grant from the Coburn Charitable Society. The Traveling Librarian will be visiting Ipswich once a month through June! For more information visit the library’s website calendar at www.ipswichlibrary.org, or contact the Library Director, Patty DiTullio, at pditullio@ipswichlibrary.org or 978-356-6649. ------------------------------------------------------------ NEWBURYPORT - “The Christmas In New England” Concert Tour will kick off its 15th season this December. This one of a kind Christmas show features a seasonal blend of traditional, contemporary, and original Christmas Music performed with acoustic instruments and vocals. The cast of performers include some of the most talented musicians, vocalists and songwriters in the New England region: Amy Gallatin, Karen Lincoln Wilber, Dave Dick, Roger Williams, Ken Taylor, Krissy Dick, Bob Dick & Rick Lang. Saturday December 15th, Belleville Congregational Church, 300 High Street, Newburyport. 7:30 PM (doors open at 6:45 PM). Tickets: $15 at the door (general admission only) ------------------------------------------------------------ ROWLEY - 2nd Annual Friends of the Rowley Library Cookie Walk to be held Saturday December 8th, 2-4 PM, at the Rowley Public Library, 141 Main St. Rowley MA With Holiday Music performed Live by Pianist/vocalist Nancy Day. Cookie Bakers Needed! Sign up today (via email) for the 2nd annual Friends of the Library Cookie Walk that will be held on Saturday, Dec. 8th. All varieties and types of cookies are needed: sugar cookies, decorated cookies, etc - or bake your family favorite. Many cookies are needed to make the walk successful. Email Olivia MacDonald with any questions, olivialeonemacdonald@gmail.com. What is a Cookie Walk? While many have experienced a Christmas Cookie Walk, others may not be sure what it is and how it works. This is a fundraiser where we sell homemade cookies by the tin. We ask that our members and friends bake and donate batches of one of their favorite Christmas cookie (about 3 dozen) to donate for the walk. The day of the cookie walk, we line tables up with large platters of the donated cookies. Buyers choose a decorative tin and walk around the tables to choose the cookies they would like to purchase. This is a great way to get a huge variety of holiday cookies without baking so many different kinds! All proceeds from the sale are donated to fund programming at the Rowley Public Library! This event is only successful because of all our bakers (you!) who spend the time to bake the cookies!! ------------------------------------------------------------ WEST NEWBURY - The Friends of the Library is holding a Holiday Basket Raffle now through December 5th. The basket has a value in excess of $500 and includes gift items and certificates donated by our generous West Newbury supporters. Gifts donated include wine, local honey, candle holder and candle, fleece throw, holiday ornament, autographed Cookie Cook Book, FantaColor Junior, hand painted Note Cards, membership to the West Newbury Garden Club, gift certs from Excentrique, Essential Balance, Long Hill Orchard, From the Heart Quilts, Wellspring Pet Grooming and West Newbury Pizza Company. Tickets can be purchased at the West Newbury Library on Main Street. Cost is $5 for one ticket, $12 for 3 tickets. Drawing will take place at 4PM on Wednesday December 5th. The Friends of the Library is a volunteer, non-profit organization that raises funds to support numerous library activities, including the popular museum passes program which offers discounted admissions to more than a dozen cultural institutions. Please stop by the library to view this beautiful basket and to purchase your raffle tickets. We greatly appreciate your support of our library. Dr. Laura anne Potvin, P.C. oPtoMetriStS EYE CARE FOR THE ENTIRE FAMILY! Dr. nYLa LaMBert Dr. KatHLeen Horn Dr. CatHLeen DouCette NOw LOCATED AT 939 SALEM ST., GROvELAND 978-374-8991
Community Connections Business Spotlight November 28 - December 4, 2018 www.TheTownCommon.com Page 7 For Sale With new construction at the top end of any market analysis, finding comparable sales can be difficult. We recently ran into just this problem. When I met with the appraiser on the beautifully built new condos in Rowley he stated that he was unable to find comparable sales in the area. I knew of an equally gorgeous condo that sold in town privately and brought that info to him. We were able to get a positive appraisal, subsequent buyer financing and are on our way (fingers crossed) to a closing next month. In this seller’s market when the value of a home is driven upward due to competing offers and the bank or mortgage appraiser can’t find comparable sales in the area, the appraisal on the home can come in less than the agreed upon sale price. This is concerning for both the buyer and the seller. The buyer’s concern is simple: without a good appraisal they can’t get financing approval as the bank has been told that the value of the home is not worth what the agreed upon sale price is. From the seller’s standpoint, with a “bad” appraisal they could be back on the market looking at finding another buyer. Why Do Low Appraisals Happen? Multiple Offers driving the home price up. Fewer buyers and high inventory. Overpricing by the seller. Appraiser is not familiar with the area. Appraiser unwilling to use comparable homes in similarly priced towns. Solutions Although the natural reaction for • • • • • both sides is to panic if the appraisal comes in low, that isn’t necessary. Both sides have options to make sure the deal happens: Buyer can make up the difference. The fact that the appraisal came in low Continued from page 5 Congregational Church of Rowley at 978-948-3993 GROVELAND FESTNAL OF TREES PRESS RELEASE See Friday, November 30th ANNUAL HOLIDAY OPEN HOUSE AND ART EXHIBIT See Friday, November 30th 13 THE MUSICAL See Friday, November 30th. CSEM The Cambridge Society for Early Music, is pleased to announce the first concert this season on its series, Chamber Music by Candlelight. Sunday, December 2, at 4 PM. Ascension Memorial Church, 31 County St., Ipswich. Hopkinson Smith, Renaissance lute. “Mad Dog”: Elizabethan Music for the Lute. Tickets at the door, cash or check: $35 general admission|$30s seniors | $10 students. Credit card sales (surcharge applies): www.csem.org. Real Estate • For Sale An Appraisal Story Sports • Sports • Sports By John McCarthy, Rowley Realty doesn’t necessarily mean the lender won’t lend to you. They may, however, Pets, Animals, Plus require that you put more money down at closing and/or you pay Personal Mortgage Insurance (PMI) depending Health & Fitness on the amount you were putting down. The seller can lower the price. This obviously makes the buyer happy and will satisfy the lender. The seller may argue that the price of the home shouldn’t be dictated by a third party, it should be buyer and seller. They have a point but by allowing the buyer to walk away you aren’t guaranteed that this won’t happen again, not to mention the time and trouble it takes to sell the property again. The seller can offer to carry a second mortgage for the difference. Not a common or popular option but if the buyer really wants the home but cannot come up with the difference in cash, the seller can offer to provide financing. Again, not a common solution. Order a second appraisal. Usually paid for by the buyer, it sometimes comes in higher than the first, especially if the first appraiser was inexperienced or made mistakes. Find a new lender. Start all over with a new lender. You will need to pay for another appraisal and resubmit all financial documents. A pain in the neck, but possibly your only alternative. Supply a list of comparable sales. We typically provide a list of comparable sales to the appraiser. If your REALTOR® is familiar with the area he/she can shed light on why a particular home is comparable that may not show up on the listing sheet. For example, the home undergoing the appraisal may be near a busy road and a comparable home valued at slightly less may be on a cul de sac. This could raise the value of that home in the eyes of the appraiser and make it a comparable Subscriptions to all 3 season concerts: $5 discount. Information: 617-489- 2062; cambridgesociety@comcast.net WEDNESDAY, DECEMBER 5th THE ROLE OF CITIZEN ADVOCACY IN ADDRESSING HOUSING INSECURITY Government officials make budget and policy decisions that help people avoid homelessness or move them out of insecure housing situations. How important is community support to that decision making? Learn what you can do to find local solutions. Speakers: Kelly Turley, who leads advocacy work for the Massachusetts Coalition for the Homeless, and Ed Cameron, whose career has focused on addressing housing insecurity and currently serves on a local zoning board. 7 pm on Wednesday, December 4th, at Central Congregational Church, 14 Titcomb Street, Newburyport. Presented by Pennies for Poverty and Housing Opportunities through Partnerships and Education (HOPE). Free and open to the public. sale. Also a list of pending sales and what they are selling for (if you know) doesn’t hurt. Listing agents do not have to disclose the sales price, but many are happy to help out because they could find themselves in the same situation. Cancel the transaction. Most purchase and sale documents have a loan contingency. If the appraisal comes in low, the buyer does not qualify for financing to buy the property and therefore cannot get a loan. As a buyer, make sure there is some provision in the contract that allows you to cancel the contract and require the seller to release the earnest money deposits. If there is a buyer and seller willing to get the deal done, and good advice and options are provided to each side, then a deal can and will get done. 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 john@rowleyrealestate.com. New Construction! ROWLEY: To be built townhouse right downtown on terrific 2 acre scenic lot next to a lovely brook. Granite counters, hardwood flooring and dining room. Living room with sliders to composite deck, separate laundry room, generous bedrooms and huge master suite with big walk in closet. Plenty of time to customize a layout that fits. Local builder happy to work with you to put your personal touches into your new home. Walk to elementary school, churches, library, post office, pharmacy, bakery and less than a mile to the commuter rail. $569,900! Call Rowley Realty at 978 948-2758 or John McCarthy at 978 835-2573, or you can email as well at john@rowleyrealestate.com for more information. ROWLEY REALTY 165 Main St., P.O. Box 101, Rowley, MA 01969 Phone 978-948-2758 • Fax 978-948-2454 Sold Single Family Homes Sponsored By: CALL FOR A FREE ESTIMATE 978-948-465-5831 www.ferrickmovers.com Winner of the 2018 Best of the Best Moving Company USDOT #654172 | MC # 310830 | MA. DPU # 30442 Address, Town Description DOM List Price Sold For Orig Price 78 Old Point Rd, Newbury 5 room, 3 bed, 1f 0h bath Cottage 10 $180,000 $175,000 $180,000 14 Brucde Ln, Wenham 6 room, 3 bed, 2f 0h bath Cape 3 $289,000 $305,000 $289,000 18 Horton St, Amesbury 7 room, 3 bed, 1f 1h bath Cape 20 $365,900 $386,000 $365,900 62 Haverhill St, Rowley 5 room, 2 bed, 2f 0h bath Saltbox 62 $354,900 $360,000 $369,000 32 Hillside Ave, Amesbury 7 room, 3 bed, 2f 0h bath Bungalow 54 $369,900 $350,000 $379,900 14 Molloy Rd, Georgetown 5 room, 3 bed, 1f 0h bath Colonial 13 $385,000 $395,000 $385,000 39 Gail St, Topsfield 4 room, 2 bed, 1f 0h bath Ranch 39 $384,900 $355,000 $389,900 15 1st St, Amesbury 6 room, 3 bed, 2f 0h bath Colonial 89 $399,000 $370,000 $399,000 87 Lake Attitash Rd, Amesbury 6 room, 3 bed, 2f 1h bath Cottage 129 $399,000 $399,000 $445,000 55 Kent St, Newburyport 9 room, 3 bed, 1f 1h bath Antique 24 $450,000 $450,000 $450,000 1 Cherry Tree Ln, Groveland 8 room, 4 bed, 2f 0h bath Colonial 39 $485,000 $475,000 $485,000 13 Old Cart Rd, Hamilton 9 room, 2 bed, 2f 0h bath Ranch 346 $460,000 $425,000 $514,900 54 Lakeshore Dr, Georgetown 6 room, 3 bed, 2f 0h bath Colonial 55 $479,900 $470,000 $515,000 9 King Richard Dr, Boxford 10 room, 4 bed, 2f 1h bath Colonial 54 $519,000 $490,000 $539,000 495 Bay Rd, Hamilton 8 room, 3 bed, 1f 1h bath Colonial 26 $539,900 $520,000 $539,900 11 Turkey Hill Rd, Newburyport 6 room, 3 bed, 2f 0h bath Ranch 12 $539,900 $540,900 $539,900 Lot 3 Abbey Rd, Merrimac 7 room, 3 bed, 2f 1h bath Colonial 86 $569,900 $569,900 $569,900 122 Haverhill Rd, Topsfield 10 room, 4 bed, 3f 0h bath Cape 44 $574,900 $575,000 $574,900 6 Hunter Dr, Newburyport 6 room, 3 bed, 1f 1h bath Ranch 20 $575,000 $562,500 $575,000 2 Pheasant Ln, Groveland 8 room, 4 bed, 2f 1h bath Colonial 42 $569,900 $550,000 $579,900 5 Long View Way, Georgetown 8 room, 3 bed, 2f 1h bath Colonial 92 $595,000 $575,000 $607,000 7 Hickory Ln, Georgetown 10 room, 4 bed, 2f 1h bath Colonial 60 $609,000 $610,000 $619,000 3 Old Topsfield Rd, Boxford 8 room, 4 bed, 2f 1h bath Colonial 99 $599,900 $590,000 $619,900 385 Central St, Rowley 9 room, 3 bed, 2f 1h bath Cape 61 $629,900 $618,500 $634,500 119 Woodbury St, Hamilton 9 room, 4 bed, 2f 1h bath Colonial 11 $699,900 $715,000 $699,900 29 Hancock St, Newburyport 7 room, 3 bed, 1f 1h bath Cape 34 $695,000 $670,000 $745,000 57 Oak Ridge Rd, Boxford 9 room, 4 bed, 3f 1h bath Victorian 241 $749,000 $735,000 $749,000 25 Chestnut St, Newburyport 6 room, 3 bed, 3f 0h bath Greek Revival 28 $775,000 $740,000 $775,000 107 Wenham Rd, Topsfield 9 room, 4 bed, 2f 1h bath Colonial 30 $799,900 $800,000 $799,900 15 Hawk Hill Ln, Ipswich 8 room, 3 bed, 2f 2h bath Contemporary 64 $825,000 $768,000 $825,000 4 Porter St, Wenham 11 room, 4 bed, 2f 1h bath Colonial 113 $819,000 $790,000 $849,000 10 Bittersweet Ln, Hamilton 8 room, 4 bed, 2f 2h bath Colonial 32 $819,900 $819,900 $859,900 22 Boyd Dr, Newburyport 8 room, 3 bed, 2f 1h bath Colonial 1 $861,000 $861,000 $861,000 1 Tanglewood Rd, Boxford 12 room, 5 bed, 3f 1h bath Colonial 114 $815,000 $792,000 $865,000 158 Country Club Way, Ipswich 8 room, 3 bed, 2f 1h bath Contemporary 228 $820,000 $800,000 $865,000 21 Boyd, Newburyport 9 room, 4 bed, 2f 1h bath Colonial 36 $865,000 $850,000 $865,000 3B Black Duck Circle, Newbury 10 room, 4 bed, 2f 1h bath Colonial 133 $849,900 $820,000 $875,000 204 Larch Row, Wenham 18 room, 6 bed, 5f 2h bath Colonial 163 $899,900 $843,875 $899,900 3 Laurel Dr, Wenham 8 room, 4 bed, 3f 1h bath Shingle 128 $1,050,000 $1,045,000 $1,274,000 10 Brown St, Newburyport 9 room, 4 bed, 3f 1h bath Colonial 55 $1,429,900 $1,387,500 $1,445,000 45 Dodges Row, Wenham 14 room, 5 bed, 4f 1h bath Victorian 383 $1,695,000 $1,450,000 $2,450,000 Single Family Listings: 41 Avg. Liv.Area SqFt: 2,657.17 Avg. List$: $653,493 Avg. List$/SqFt: $264 Avg. DOM: 79.83 Avg. DTO: 60.29 Avg. Sale$: $634,246 Avg. Sale$/SqFt: $257 2018 MLS Property Information Network, Inc.
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