TTC_02_26_20_Vol.16-No18.p1-8

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Dredging the Merrimack for Plum Island Sand
By Stewart Lytle, Reporter
–––––––––––––––––
R E G I O N A L
– Local officials
are stepping up
their efforts to
persuade the U.S.
Army Corps of
Engineers that
it is time again
to dredge the
Merrimack River
for boating safety
and to secure
much needed
sand to replace the
erosion on Plum
Island.
The beaches at Reservation Terrace
Residents on the northern end of the
island are looking for huge amounts of
sand to replace the beaches and dunes
that have washed away in recent years.
Nearby in the Merrimack River, where
it meets the Atlantic Ocean, there is too
much sand for safe boating.
Newburyport Harbor Commission,
working with Mayor Donna Holaday,
is asking U.S. Rep. Seth Moulton, D-
Salem, to dredge the mouth of the river,
hopefully soon.
In a letter to Moulton, who serves on
the House Armed Services Committee,
Harbormaster Paul Hogg cited the need
for dredging of the river to maintain
the depth of the well-used waterway for
recreational boating and the U.S. Coast
Guard, which is stationed upriver from
the mouth.
“Historically to keep the mouth of
this river safe and navigable, the Army
Corp of Engineers frequently dredged
the entrance and the Federal Channel
thus keeping thousands of users as safe
as possible. Unfortunately dredging is
dangerously overdue. The sand buildup
in the mouth of the river and its federal
channel has reached new and dangerous
levels,” Hogg wrote.
Feb 26 - Mar 3, 2020 Vol. 16, No. 18
Photo by Stewart Lytle
The mouth of the Merrimack, as it flows
into the Atlantic Ocean, is ranked as one
of the most treacherous waterways in the
continental U.S. But the Merrimack River,
between Newburyport and Salisbury,
is not considered a high priority for
dredging by the Corps because the harbor
is not a commercial port. It is a popular
recreational boating harbor where safety
is a high priority for the city and Harbor
Commission.
“The frequency of vessels capsizing
has increased in recent years and is
a dangerous trend. These events are
especially more likely in smaller craft
from our neighboring communities where
visiting boaters may not fully understand
the quickly changing conditions,” Hogg
wrote.
The PI Foundation is trying to raise
$30,000 to $35,000 to pay the annual
fee for Howard Marlowe, who heads
the Warwick Group, a Washington,
D.C. lobbyist. He is working with the
Army Corps to schedule a maintenance
dredging in the next couple of years.
Plum Island residents know exactly
where the dredged sand should go – on
the northern end of the island behind the
Continued on page 3
FREE
North Shore Communities Turn Green
By Stewart Lytle, Reporter
–––––––––––––––––
REGIONAL – Weeks
before the traditional St.
Patrick’s Day celebration,
its looking very green
around the North Shore.
Green, as in Green
Communities, which saves
taxpayers money on energy
projects and reduces urban
carbon footprints.
Amesbury, Newburyport,
Salisbury and West
Newbury are already
members of the state’s
Green Communities, a state
and local initiative. The
towns of Georgetown and Ipswich are
new members of the club. And the towns
of Rowley and Newbury are looking to
join the Green Communities ranks.
Neal Duffy, coordinator for the
Green Communities in northeastern
Massachusetts, said, “It’s exciting,” for so
many towns and cities to become Green
Communities. To date, the program,
which was created in 2008, has 271
towns and cities out of a total of 351 in
the state become Green Communities.
To qualify as a Green Community
a municipality must make a longterm
commitment to its sustainability,
including reducing energy use for
schools and municipal buildings by 20
percent over a five-year period.
Once designated as a Green
Community, a town will receive a grant
of at least $125,000 to begin making
energy reductions. The grant may be
higher based on its population size
and income. For example, Georgetown
received a grant of $140,000.
They can then compete with other
Green Communities for grants up to
$200,000 for energy saving projects,
including purchasing more energy
efficient lights, improving heating and
A West Newbury solar farm
Prst Std.
U.S. Postage
Paid
Newburyport, MA
Permit No. 51
____________
Photo by Stewart Lytle
air conditioning systems and better
weatherization in municipal buildings,
Duffy said.
Funding for these grants comes from
carbon allowance auctions under the
Regional Greenhouse Gas Initiative
and Alternative Compliance Payments,
paid by retail electric suppliers that do
not meet their Renewable Portfolio
Standard compliance obligations
through the purchase of Renewable
Energy Certificates.
A popular project for municipalities
is to use the Green Communities
funding to buy its street lights and
convert them to the energy efficient
LED lights.
Amesbury converted 1,250 halogen/
mercury vapor streetlights to LEDs and
saved $155,000 a year. Newburyport
converted its 1,400 street lights in
2017 and saw its energy usage from
the lights decrease by 68 percent.
Between the lower cost of owning its
street lights plus using less electricity,
Newburyport is saving about $65,000
a year, according to budget data
developed by Julie Spurrknight,
the Department of Public Services
Continued on page 3
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In loving memory of
Liz Ichizawa, Reporter (195 - 2005)
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11 Wed 10:29 7.5 10:43 8.3 4:23 0.5 4:33 1.0 6:17 7:02
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18 Wed 2:40 8.0 2:57 8.3 8:49 0.7 9:15 0.5 6:24 6:50
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Letters To Th
Letters To The Editor
Community Anno
Community Announcements
Community Co
Rowley Democratic Town Committee
Community Connections
Holiday Seasonal Candles
dipped Candles Pine Cones
to Elect Business Convention DelegatesSpo
Saturdays 12-4p
Registered Democrats in Rowley, MA, will hold a caucus on Monday, March 2, 2020,
Business 6 ashley rd, rowley
at the Rowley Spotlight
Public Library, 141 Main St., to elect delegates and alternates to the 2020
Massachusetts Democratic State Convention. This year’s convention will be held
May 30 at the Tsongas Real Center in Lowell, where thousands Estate of Democrats from across • F
the will come together to discuss Party business and celebrate our successes as we
Real Estate prepare for upcoming elections. • For The caucus is open Sale
to all registered and pre-registered
Democrats in Rowley. Pre-registered Democrats who will be 16 by February 15, 2020,
will be allowed to participate Sports and run as a delegate alternate. • Sports
Rowley can elect two
delegates and one alternate to the Convention. Youth, minorities, people with disabilities
Sports • Sports and LGBTQ individuals who are not • elected Sports
as a delegate alternate may apply to be
an add-on delegate at the caucus or at www.massdems.org. Those interested in attending
or getting involved with
Pets,
the Rowley Democratic Town
Animals
Committee should contact Terri
Davidson at rowleydemocrats@gmail.com.
Pets, Animals, Plus
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Poison Pen Letters to Practically Everyone, directed by Lou Dispenza and produced by
Gael Nappa and Carol Young, will be performed at the Perley School on 51 North Street,
Georgetown, MA on Feb 29th, March 1st, 6th, 7th and 8th. Shows begin at 7:30 p.m. except
for the March 1st and 8th shows, which are matinees beginning at 2:00 p.m. Poison Pen
Letters to Practically Everyone is a series of satirical letters to famous and infamous people
written by our own Lou Dispenza. Readers: John Flynn, Mary-Liz Murray, Jared Maul,
Joe Donlon, Carol Young, Phil Lakaszcyck. Tickets are $14.00. Seniors and Students may
purchase a ticket at a discounted rate of $9.00. Tickets may be purchased at the door or by
logging in to www.georgetowntheatre.com. Credit cards now accepted. Patrons can call Sue
Clohecy at 978-352-6367 to reserve tickets and seats. Georgetown Theatre Workshop is a
non-profit organization featuring local actors, Perley School on 51 North Street, Georgetown,
MA. For ticket prices and more information, go to http://www.georgetowntheatre.com or find
Georgetown Theatre Workshop on Facebook.
Salisbury Democratic Town
Committee Leadership Scholarship
Applications are Now Available
The Salisbury Democratic Town Committee is pleased to announce the 11th Annual
College Leadership Scholarship for Salisbury seniors attending Triton Regional High
School. Criteria for the scholarship are completion of an essay, possibly participating
in an interview with the scholarship committee, and a scholarship committee review
of the applicant’s official school transcript. Applications are now available from the
guidance department at Triton Regional High School. The application, essay, and
transcript should be submitted to “Salisbury Democratic Town Committee Leadership
Scholarship” c/o John Housianitis, Scholarship Committee Chairman, PO Box 5025,
Salisbury, MA 01952. Applications must be submitted no later than April 15, 2020 to
be considered. For further information, contact John Housianitis at 617 922 6490 or
at jchdagreek@aol.com
Healthy Ways Day to Day
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health. This one-day seminar is FREE! Call the Salisbury Senior Center to
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Feb 26 - Mar 3, 2020 www.TheTownCommon.com Page 3
Dredging the Merrimack for Plum Island Sand
Continued from page 1
southern jetty at the mouth of
the river.
Marlowe specializes in working
on projects to restore beaches that
are being eroded, particularly
by climate change. Nicknamed
the “sand man,” he has a longstanding
relationship with
the Corps of Engineers, Mark
Sarkady with the PI Foundation
told a group of Plum Island
residents recently.
The Foundation has shifted
its focus from the center of the
island, which suffered several
erosion and houses falling into
the sea several years ago. Now the
effort is directed at replacing sand
on the northern end of the island,
along Reservation Terrace that
overlooks the river intersection
with the ocean.
Following the Corps’
replacement of the jetties at
the mouth of the river, dunes
and beaches along Reservation
Terrace began to erode rapidly.
Sarkady said that the Corps had
found that the northern section
of the island was eroding at a rate
Continued from page 1
Business Manager.
To become a Green
Community, municipalities
must pass five steps.
The first two require changes
in zoning laws to allow
faster and easier approval for
permits for renewable energy
systems, such as solar farms.
The permitting process under
the Green Communities rules
may take no more than a
year.
The third criteria, which
Duffy described as the
most significant, requires
a municipality to create
an energy baseline that
determines how much energy
its buildings and vehicles use
a year. Then the municipality
of 13 feet per year, instead of a
foot a year as is more typical of
island erosions.
Since the erosions has begun,
residents organized to buy sand
to replace that being eroded and
plant beach grass to hold the sand.
Despite their efforts and expense,
the sand continued to erode.
Hogg and the Harbor
Commission warned in their letter
that the Coast Guard station, one
of 20 surf stations in the country,
cannot get its lifeboats across
the sand bar at the mouth of the
river at low tide due to high sand
buildup in shallow water.
“This has prevented them from
serving (the Coast Guard’s) area
of responsibility which can occur
when deploying on a lifesaving
mission. Currently, during such
events, Station Merrimack River
has had to request assistance
from USCG Station Gloucester
and USCG Station Portsmouth,
NH, both of which are not vital
Surf Stations and can add critical
time in responding in situations
where time matters,” the harbor
master’s letter said.
In addition, the buildup of
sand in the river’s mouth is
have an negative impact on
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“As the condition worsens and
becomes more dangerous the
MANSION DRIVE • ROWLEY, MA • JUST OFF ROUTE 1A
results will be both the increased
frequency of accidents and less THE DENTAL EXPERTS
use of the vital resource,” Hogg
wrote.
The proposed dredging,
which would cost an estimated
$3 million, would be funded
by the federal, state and local
governments. The proposed
The
dredging would produce
Town
about
Comm
220,000 cubic yards of sand for
the beaches.
For more information
on the PI Foundation, visit
www.plumislandfoundation.
com. To contribute, mail you
contribution to P.O. Box 226,
Newburyport, MA 01950.
North Shore Communities Turn Green
February 27 th 4-8pm
must develop a plan to reduce
that energy usage by 20
percent in five years.
The fourth criteria is a
commitment to buy energy
efficient vehicles. Heavy
trucks and emergency vehicles
are exempt.
The fifth criteria is to
adopt the Stretch Code for
residential and commercial
builders. The code requires
more efficient insulation,
doors and windows, lighting,
appliances, and heating and
cooling systems. Adopting
this energy efficient building
code has proven the most
difficult for some towns.
Newbury Town Planner
Martha Taylor announced
recently that the planning
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department may present to
the spring Town Meeting a
proposal to adopt the Stretch
Code. The code, which may
increase the costs of building
a house by several thousand
dollars, was too controversial
for the Newbury Town
Meeting to approve in 2009,
Taylor said.
She told the Planning Board
recently that the Stretch Code
is now more “performance
based” and thus not as
burdensome on residential
and commercial builders.
Communities like Rowley
and Georgetown with their
own municipal light plants
have a more complex process to
become Green Communities,
Duffy said.
Email: greg@thetowncommon.com
Gregory Der Bogosian, Publisher’s Representative
Please call me directly on my cell phone Newburyport at (978) 618-9453 978-462-6162 • Stratham 603-583-4890
The Town Common - 77 Wethersfield Street - Rowley, MA 01969
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Page 4 www.TheTownCommon.com Feb 26 - Mar 3, 2020
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257 Low StCANCER (June 21 to July 22) Feeling
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Take time to list the questions you
have. Then present them and insist on
answers that make sense.
LEO (July 23 to August 22) Cupid
can be very helpful for Lions seeking
a love connection. The chubby cherub
also brings warm and fuzzy feelings to
paired Leos and Leonas who already
share a special love line.
VIRGO (August 23 to September
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LIBRA (September 23 to October
22) Getting advice on your next business-related
move is a good idea, but
only if your advisers are trustworthy.
Get references that you can check out
before you make any decisions.
SCORPIO (October 23 to November
21) Getting a boost in your self-esteem
is one benefit that comes with a
job well done. There are other plusses
as well, including being noticed by all
the right people. Good luck.
SAGITTARIUS (November 22 to
December 21) Make time to deal with
family matters, especially where they
concern your elderly kinfolk. Being
there for them from the start can help
resolve problems sooner rather than later.
CAPRICORN (December 22 to
January 19) Getting a project started
can often be difficult. But the good
news is that you won’t want for lack of
assistance from colleagues who would
like to work with you. So, let them!
AQUARIUS (January 20 to February
18) A lot of work-related issues
might be raised this week, and you
need to be prepared for whatever
comes along. Things should be easier
when it comes to matters in your private
life.
PISCES (February 19 to March
20) What might appear to be a much
unwanted change in your life right
now could turn out to be a very welcome
event after all. Give yourself a
chance to see where it might take you.
BORN THIS WEEK: You exercise
your strong leadership qualities well,
which is why people believe in you
and feel reassured by you.
© 2020 King Features Synd., Inc.
LEGAL NOTICE
NOTICE OF PUBLIC SALE
Notice is hereby given by Rigano’s
Towing Service 1081 Fellsway, Malden,
MA, pursuant to the provisions of Mass
General Laws, Chapter 255, Section
39A, that they will sell the following
vehicles on or after March 5, 2020 beginning
at 10:00 am by public or private
sale to satisfy their garage keepers lien
for towing, storage, and notices of sale.
Vehicles are being stored at Rigano’s
Towing Service.
1. 2013 Honda Civic
VIN 2HGFB2F52DH580714
2. 2013 Toyota Corolla
VIN 5YFBU4EEXDP224350
3. 2012 BMW X6
VIN 5UXFG2C58CL779433
Signed
Basil Rigano, Owner 2/19, 2/26, 3/4
Michelle
Gelinas,
FNP
Contact Kathryn O’Brien today
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Also Welcoming New Patients.
Newburyport Family Practice
3 Cherry Street, Newburyport, MA 01950
Phone: 978.465.7322 I Fax: 978.462.8746
www.newburyportfamilypractice.com

Feb 26 - Mar 3, 2020 www.TheTownCommon.com Page 5
Health & Wellness
BY J. PETER ST. CLAIR, DMD
Orofacial pain includes a
number of clinical problems
involving the chewing (masticatory)
muscles or temporomandibular
joint (TMJ). Problems can include
TMJ discomfort, muscle spasms in
the head, neck or jaw, migraines,
cluster or frequent headaches, pain
with the teeth, face or jaw, anxiety
and depression.
The resting position of the jaw,
which is the position it should be
in most of the time, is lips together
with the teeth slightly separated.
Breathing should be through the
nose. The teeth should be touching
a total of about 15 minutes in a 24-
hour period of time. People who
clench or grind touch their teeth
much more than this. This is the
primary reason people get orofacial
pain. Pain can also be caused by
things like trauma to the head and
neck or poor ergonomics (posture).
Temporomandibular disorders
(TMD) affect more than 10 million
Americans. Your TMJ’s are located
where the skull connects your lower
jaw to the muscles on the sides of
your head and face. They control
the joint’s movements. Women
between the ages of 20 and 40 are the
Brighter Smiles...
BEYOND TOOTH PAIN
most frequent sufferers of orofacial
pain due to added estrogen in their
bodies. Estrogen impacts the body’s
natural pain fighters (endorphins),
increases inflammation in the
temporomandibular joints, and
compromises the strength and
adaptive ability of all ligaments.
One in eight Americans suffer
from headaches. Experts estimate
that 80 percent of all headaches
are caused by muscle tension,
which can be related to the bite.
Clenching the jaw muscles creates
tension in the muscles that close
the jaw, the main one of which
is the temporalis muscle. Signs
that may indicate a headache
from dental origin include: pain
behind the eyes, sore jaw muscles
or “tired” muscles upon awaking,
teeth grinding, clicking or popping
of the jaw joints, head and/or scalp
is painful to the touch, earaches or
ringing, neck and/or shoulder pain,
and dizziness.
Sleep disorders can also play
a role in orofacial pain. If you
have gone through treatment for
orofacial pain and still experience
problems, it is possible that a sleep
disordered breathing problem
such as sleep apnea could be
contributing. People who have
problems like this will often exhibit
jaw pain due to the body moving
the jaw around at night to get better
air flow. Patients have no idea this
is occurring usually until they wake
with sore jaw muscles. Treating the
sleep issues usually solves the jaw
issues.
If the orofacial pain is not
related to sleep, there are a variety
of treatments that can help relieve
symptoms. One device is called
an orthotic, or splint, that is worn
over the teeth to help stabilize the
bite. Permanent correction may
sometimes require equilibration
(reshaping teeth), orthodontics or
a combination of these and other
restorative dentistry. Many use a
splint (day and/or night) on a daily
basis to avoid having these other
treatments done.
Other things that can help
alleviate pain are using ice on the
painful area, eating a softer diet and
avoiding chewing gum or ice. It is
important to be conscious to keep
teeth slightly apart except when
chewing and swallowing. Use of
anti-inflammatories is okay to use
if it is an acute short-term problem.
Chronic problems are best treated
by determining and treating the
source.
Orofacial pain can range from
tolerable to debilitating. Most of
these problems can be corrected
and/or managed. If your dentist
can not help you, ask for a referral
to a specialist
Dr. St. Clair maintains a private
dental practice in Rowley and
Newburyport dedicated to healthcentered
family dentistry. If there are
certain topics you would like to see
written about or questions you have
please email them to him at jpstclair@
stclairdmd.com. You can view all
previously written columns at www.
jpeterstclairdentistry.com/blog.
Sold Single Family Homes
CALL FOR A FREE ESTIMATE
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35 atlantic ave Salisbury, Ma detached 3 2 19 679900 675000
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With continually emerging evidence that a
healthy mouth makes a healthier body, you owe it to
yourself and your body to receive exceptional dental care.
All Phases of Dental Care Including:
• Grinding/Clenching/TMJ Therapy
• Sleep Apnea/Snoring Treatment
Contact your advertising Learn More: www.stclairdmd.com consultant today....
77 Wethersfield Street, Rowley, MA 01969
advertise@thetowncommon.com
151 Central 978-948-8696
Street, Rowley | 978-948-2030
AMERICAN
ARCHITECTURAL
GENERAL CONTRACTORS L.L.C.
Consultation to Project Completion
. Carpentry . Masonry . Landscaping . Roofing . Basements . Water Entry
. All Phases of Construction . Commercial/Residential
. All Maintenance Work . OVER 25 YEARS of
All Types of Restorations
. Free Initial Consultation . Project Management “In the Field” Experience
PROPERTY MANAGEMENT/CONSTRUCTION SUPERVISION
All Types of Property Repairs
Vincent A. Iafrate, G.C. (617)835-3550
AMERICANEW LISTING!!!
ARCHITECTURAL
GENERAL CONTRACTORS L.L.C.
Consultation to Project Completion
. Carpentry . Masonry . Landscaping . Roofing . Basements . Water Entry
. All Phases of Construction . Commercial/Residential
. All Maintenance Work . OVER 25 YEARS of
All Types of Restorations
. Free Initial Consultation . Project Management “In the Field” Experience
PROPERTY MANAGEMENT/CONSTRUCTION SUPERVISION
All Types of Property Repairs
Vincent A. Iafrate, G.C. (617)835-3550
ROWLEY: One-year young home is uniquely designed private unit w/ minimal
maintenance & all the charm of modern country living. FIRST FLOOR MASTER
OPTION!!! Resting on over 10 acres and abutting conservation land sits this
spectacular home w/ too many details & upgrades to list. Some of the finest
materials and finishes including a professional grade kitchen w/ Jen Air
stainless appliances, granite counters & 4+ seat island. Jeld-Wen windows and
sliders. Open concept living w/ the option of a first floor master. Living room
w/ gas fireplace out to a beautiful deck AND patio. 3 full baths, 3 or 4 big
bedrooms & high quality 4” stained red oak hardwood flooring in all rooms w/
exception of tile baths. Enjoy the walking trails, open space, & quiet evenings
on your patio! Minutes from highways & beaches. Custom window treatments
and gorgeous exterior landscaping dozens of trees, shrubs & flowers complete
the picturesque scene. Stand-alone homes w/ exclusive rights to your own lot.
$719,900. Call John McCarthy at Rowley Realty at 978 948-2758 or on cell
978 835-2573, or email at john@rowleyrealestate.com for more information.
ROWLEY REALTY
Good health
isn’t acciDENTAL
Please call our office to schedule
a comlimentary 30-minute consultation.
165 Main St., P.O. Box 101, Rowley, MA 01969
Phone 978-948-2758 • Fax 978-948-2454

Community Connections
Page www.TheTownCommon.com Business Spotlight Feb 26 - Mar 3, 2020
For
Sale
Real Estate • For Sale
Getting a Mortgage 101
Sports • Sports • Sports
By John McCarthy, Rowley Realty
Maybe you moved back in with your parents to
save for a down payment. Maybe you are living in
a rental that takes a huge chunk of your paycheck.
Maybe you’ve decided it’s time to pay your mortgage
v. your landlord’s mortgage. Unless Mom and Dad
are rich or you have saved every penny since you were
born you will probably need a mortgage to buy your
first home
Taking out a mortgage to buy a home is more than
likely the largest debt you will ever take on in your
life. Buying a home is a huge investment and it means
you’re starting to build up equity while providing you
with a piece of the American dream, not to mention
tax deductions.
If you are entering the real estate market for the
first time here are some explanations on how and why
a mortgage works.
What Is a Mortgage?
In the simplest of terms, a mortgage is a loan used to
buy a home where the home itself serves as collateral.
Most, if not all of people looking to get a mortgage
have at one time opened a credit card (if you don’t
have a credit card, you might want to get one as you
will need to establish a credit history. Your mortgage
agent will advise you on this.). While the credit card
application process was very easy, that is not so with a
mortgage approval process. It is long and thorough.
I tell all my buyers entering the mortgage application
process that they will need pay stubs, documentation
of all your debts, month’s worth of bank account
statements and really just about anything else financial
in your life. Going into this process you should know
that you may be asked multiple times for the same
items. Have patience. It helps to be prepared by
gathering all your financials ahead of time.
When you decide you want to buy, and need of
a mortgage, you should get the help of a mortgage
agent to get preapproved. You will be asked questions,
and if the answers are satisfactory will be given a
preapproval. Hopefully you have been paying your
student loans on time as that will give your credit
a boost. Generally the better your credit score, the
lower your interest rates will be. A preapproval will
show you exactly how much of a loan you can obtain
and will also allow you to make an offer on a property
you like.
One of the biggest reasons many are reluctant or
feel they are unable to get a mortgage is the down
payment. If you can put 20% of the purchase price
down at closing you may not be able to avoid “PMI”
or Private Mortgage Insurance. This is a payment
outside of your mortgage to protect the bank in case
you default. This payment doesn’t deduct from your
principal and should be avoided if possible. However,
you can buy a home with no money down if you are
a veteran through a VA program and there are other
mortgage programs that allow you buy for less than
20% down. The Federal Housing Administration
(FHA) offers loans that require small down payments.
There are other creative programs such as Mass Housing
that reduce or stop PMI altogether at less than 20%
down. Speak with an experienced mortgage agent to
review your best option. If you don’t know one just
ask me, would be happy to refer you to one.
What Kind of Mortgage?
• A fixed-rate mortgage is one in which the interest
rate of the mortgage stays the same for the life of the
loan. Current loan rates on 30 year mortgages are
under 4%.
Pets, Animals, Plus
• An adjustable-rate mortgage (ARM) is one
where the interest rate changes after a set period,
typically either 3, 5 or 10 years. The rate when
the mortgage expires the new rate is usually tied
to an economic indicator. In most adjustable rate
mortgages at expiration your “new” rate will not
rise or fall more than 2% in any one year. However,
they can continue to go up unless you are able to
refinance into a fixed rate term. Adjustable rates
can be more attractive than fixed rates as they are
typically lower than a fixed rate. They do bring
significant risk as you are only locking in this low
rate for a relatively short period of time, many in
the mid 2000’s found this out as these rates did go
up with many unable to refinance due to lack of
equity and stuck with a rising adjustable rate.
Is This the Right Time to Buy?
This is the question everyone asks me. Just like
the stock market the real estate market is tricky to
time. The honest answer is nobody knows what the
market is going to do in the short term. However,
history has shown us what the real estate market
will do in the long term. It will appreciate. It will
appreciate over an approximately 10+ year period.
It always has. When considering if it is the right
time for you to dive into the market think about
these few items:
• Where will you be in 5 or 10 years? Home
ownership is typically viewed as a long-term
commitment. If you think you’ll move frequently
for work or plan to relocate in the next few years,
you probably don’t want to take out a mortgage
just yet. However, if you plan to be in the area for
a long period of time or plan to come back to the
area, home ownership is a great investment.
• How much real estate can you afford? Think
in terms of worst case scenarios. What would you
do if you lost your job? Would you be able to find
another job that pays at a similar level? Can you
handle monthly mortgage payments? Simply put,
make sure you aren’t “house poor” at the end of
each month.
• What are your long-term goals? You and your
fiancé may be looking at a one bedroom condo
now, but what if you decide to have kids in the not
too distant future? What are the schools like in the
area? What are the home values in relation to other
communities?
• Interest Rates: Rates are below 4% for a 30
year term mortgage. Even lower for 10, 15 and 20
year mortgages. These are very, very low numbers.
In the 1980’s rates were in the high teens.
Getting a mortgage is a big financial commitment;
however with interest rates at historic lows buying
a home now is an attractive option. Yes, I know
inventories are low (that will lessen as we get closer
and into Spring) and that home ownership can
seem overwhelming, but if you’re ready to stay
in one place for a while, don’t want to pay your
landlord’s mortgage and want some tax benefits
then plunging into the real estate market can be
both financially and emotionally satisfying. Let me
know if I can help. Thank you.
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
Health & Fitness
PUZZLE
ANSWERS

Community Calendar
Feb 26 - Mar 3, 2020 www.TheTownCommon.com Page 7
BUYING
Classified Ads
NOW
COINS
OCEAN FRONT CONDO for CARPET CLEANING ON
SELLING
sale 1,000sqft, 2 bdr, 1 bath, Off LOCATION - W/W Cleaning
ITEMS WANTED Community – Wanted Street Parking Calendar - 2 MV, Private Continues . . .
$50/Room, Area Rugs $50/each.
by Pratt Coin and Hobby in decks, Private Picnic Area, Private Min. charge $100. Call Bob at
Georgetown. U.S. Coins, silver, gold, Dune Crossing, Quiet Safe Area, Yankee Carpet: 978-887-5043
COINS . GOLD . SILVER
foreign world money. Old pocket So. End of Salisbury. Call Sandra:
watches, wrist watches, costume 978-465-2283
jewelry and post cards. Wheat
pennies, Pre-1958 - 2 1/2 cents each.
FREE APPRAISAL
Call Peter Pratt
1-800-870-4086 or
978-352-2234
HOURS VARY,
PLEASE CALL FIRST
WANTED TO BUY
Gold Scrap, Gold Coins,
Antique Post Cards
Sterling Silver by the Troy oz.
Silver Coins pre-1965
.999 Silver Bars by the oz.
US Silver Dollars
Wartime Nickels 1942-1945
US Clad Half Dollars 1965-1969
HOBBY SUPPLIES
Remote Controlled Vehicles
ESTES Rockets & Supplies,
Plastic & Wood Models / Supplies
Autos, Trucks, Planes, Ships,
X-Acto Sets, Paints
& Much More
METAL
DETECTORS
20 E Main St, Georgetown, MA
Mon-Fri 8:30a-6p, Sat 10a-5p
Phone 978-352-2234
ANTIQUE FLEA MARKET
ANTIQUE FLEA MARKET
HELD THE FIRST
WEDNESDAY OF EACH
MONTH from October 2
to April 3. Features 35 dealers!
Vintage goods, much more!
9am to 1pm admission is free!,
8am – 9am early buying fee, $5.
Catered breakfast and lunch by
Miss Emily. Dover Elks Lodge,
282 Durham Rd., Rt. 108 Dover,
NH (exit 7 off Rt. 16, 1.7 miles
south on Rt. 108 on the left).
Call Rachel at (207) 396-4255
for more info.
FOR RENT
Rental space available in
Newburyport for birthday parties,
fairs, indoor sports, meetings.
Large gym with bathrooms,
kitchen use possible. Please
inquire - The Salvation Army
in Newburyport - Contact:
Rosemarie @ 978-465-0883
FOR SALE
BEAUTIFUL SCALLOPED
EDGED DINING ROOM
TABLE w/ iron frame, 4 cushioned
rock roll swivel matching
chairs. $350. Call 978-239-0078
RV FOR SALE 2011 Zinger
Crossroads Park Model with
Bay Window. Loaded with outdoor
furniture and all contents.
Shady lot with oversized deck
and enclosed porch. Rusnik’s
Salisbury. A steal at $24,000.
Call Pat 978-257-3876
HELP WANTED
COUNTER HELP WANTED:
American BBQ is looking for a
full-time &/or part-time counter
help. Apply in person at American
BBQ, 5 Railroad Ave., Rowley, MA
HELP WANTED Seasonal
part-time help, mowing, weed
wacking, Christmas tree pruning
and sales at Herrick Tree
Farm Boxford, Ma. 8-16 hours
per month, $ 15.00 per hour.
looking for someone motivated,
Tom LaPointe 978-835-
1583 or fgforestry@aol.com
PRAYER
St. Jude... Pray for us and all who
honor and invoke thy aid. Hear
our prayers. Amen. Thank you.
SERVICES
AMERICAN HOME
I M P R O V E M E N T
CARPENTRY - Repairs &
Additions. Interior/Exterior
Painting. Fully Insured. 30
years experience. Free Estimates.
Excellent Referrals. 978-465-
2283
Gary’s Just Stuff –
MECHANICAL ITEMS
BOUGHT / SOLD & Repaired!
Generators, Outboards, Lawn
Mowers, Snow Blowers, Tune
NOTICE OF PUBLIC HEARINGS
Pursuant to M.G.L., Ch. 40A, §5, the Rowley Planning Board will be holding the following public
hearings on Wednesday, March 4th, 2020, at times specified below to be located in the large meeting
room in the Rowley Public Library located at 141 Main Street, Rowley, MA, which pertains to the
consideration of articles to amend the Zoning District Map of the Town of Rowley (“the Map”),
and/or the Rowley Protective Zoning Bylaw (“the Bylaw”):
• 7:30 pm – Public hearing for Zoning Bylaw Amendment: Amend the Bylaw to amend the
definition of “Large Solar Photovoltaic Installation” (SPV) and to amend the use regulations to
permit ground-level or roof-mounted Solar Photovoltaic Installations (either as primary use or as
accessory use) as a by-right use approved by site plan review, in the Retail (RE) and the Business
Light Industry (BLI) commercial zoning districts. This effort is in support of the Town’s bid to
the state to become a designated Green Community.
• 7:40 pm - Public hearing for Zoning Bylaw Amendment and for Zoning District Map
Amendment:
o Amend the Bylaw to modify various parts of Section 8.6 (Outdoor Illumination Standards,
Including Standards for Illuminated Signs).
• 7:50 pm - Public hearing for Zoning Bylaw Amendment and for Zoning District Map
Amendment:
o Amend the Bylaw’s Table of Dimension requirements and parts of Section 6.1.3 to permit
exceptions and criteria that reduce the 50-foot front setback in the Central (Cen-D) zoning
district.
• 8:00 pm - Public hearing for Zoning Bylaw Amendment: Amend the Bylaw by modifying
Section 4.11 (Municipal Water Supply Protection District) to permit exceptions and criteria for the
use of double-vaulted, underground storage tanks (USTs) within the district.
• 8:10 pm - Public hearing for Zoning District Map Amendment: Amend the Zoning District
Map of the Town of Rowley (“the Map”), to change the zoning of 3.7 acres of the total 5.14-acre
parcel located at 275 Main Street (Map 26, Lot 25-3), owned by Todd’s River View Farm Trust,
from Outlying (OD) zoning district to Central (CenD) zoning district.
The text of the proposed amendments to the Rowley Protective Zoning Bylaw, and maps
associated with the proposed amendment to the Rowley Zoning District Map, and any
supplemental documents, may be inspected at the Planning Board office located at 39 Central
Street, Rowley during regular business hours. Any person(s) interested or wishing to be heard on
the zoning proposals should appear at the public hearing at the time and place designated.
Chris Thornton,
Chairman Publication dates – Wed, Feb 19, 2020 and Wed, Feb 26, 2020
Topsfield Village
Shopping Center
30 Main St
978-561-1893
The Town Common
ups, etc., pick-up and delivery
available, Call Gary at (978)
376-4214 Largest DIstrIBUtION aCrOss the NOrth shOre Of ma & COa
HIDDEN FENCE Dog Fence
by Dog Guard of Mass. Lifetime
Warranty Installation and
Training All Brands Repaired.
Indoor and Outdoor Systems.
Call Mike 978-204-9483. Locally
owned.
LAWN SPRINKLER SYSTEM
WINTERIZING – Call for
pricing and appointment
availability. Fully Insured. 978-
774-1058
PAINTING INTERIOR,
EXTERIOR, smoke and water
damage ceilings stain killed,
Valentine’s Day Cards, Chocolates & Jewelry
repaired, or replaced, carpentry
Upscale consignment featuring women’s clothing,
interior-exterior repairs, 978-948-8696 windows
repaired and replaced, gut-
Located in Topsfield Village Shopping Centre
• www.thetowncommon.com accessories, cards, gifts, and home • advertise@thetowncommon
decor locally made.
ters cleaned, repaired or replaced,
clean outs and clean ups of all
kinds. General masonry, all brick
work, chimney work, walkways,
etc. (cell) 978-376-4214, (home)
978-374-6187
TILE INSTALLATION -
Custom, Professional, Courteous,
Neat & Clean - Tile, Slate,
Regrouting, Repair, Bath,
Kitchen, Foyer, etc. Reasonable
Prices, Free Estimates. Call Sea
Valley Tile at: 978-484-2437
HOUSEBOaT
Contact your Advertising Consultant today!
The Town Common
2 col. x 2.5 inches
This homemade, custom houseboat
makes for a great getaway home
and/or party cabin for all your friends
and family. 32x18’ (800sq ft) w/
walkways. Many features including:
- Cabin Space - 20x14’
- Household-size toilet
- double kitchen sink
- Built-in shower
- Four, 2x-wide bunk beds
- Curtains for privacy
- 12v Solar Panel Setup
- Led lights
- aM/FM Stereo
- Personal Cooler
- Under beds roll-out storage
- Carpeted roof w/furniture
Classified Form
Use this form to submit your classified entry
Michele Iannaco
- Frame rebuilt ~3 yrs ago
- Outboard setup
Yours for
$8,000 or bro.
Call Today!
978-432-9669
SPECIAL OFFER: 20 Words for 4 Weeks - $3000 *SAVE $1000!
Prepaid Consecutive Ads, 75¢ for each additional word.
Circle A Category
For Sale • Wanted C: • Services 978-998-9823
• Free • Child Care Needed/avail. • Rental
auto • Boat • Help Wanted • animals • Yard Sale • Rental • Other _______
P: 978-948-8696 Payment • F: 978-948-2564
Classified Ads must be paid for prior to publication. No billing options exist for classifieds. Cash, Checks,
or Credit Cards accepted. Checks made payable to: The Town Common DEADLINE: Wed. at 5PM
for the following week.
miannaco@thetowncommon.com
Cost per issue: $10.00 per issue / 20 words or less. (25 cents for each additional word.) or
SPECIAL $30 FOR 4 WEEKS
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www.thetowncommon.com • advertise@thetowncomm
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Mail To: The Town Common, 77 Wethersfi eld St., Rowley, MA 01969
or e-mail the above information to: advertise@thetowncommon.com

Page 8 www.TheTownCommon.com Feb 26 - Mar 3, 2020
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