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January 14 - 20, 2015 Vol. 11, No. 11

Photos Showcase Beauty of Essex County

WHAT'S INSIDE

By Stewart Lytle, Reporter ––––––––––––––––– REGIONAL – Kerry Reynolds never thinks her photographs are good enough to win a contest. But photographs taken by the 12year-old Georgetown Middle School student when she and her mother, Patricia Reynolds, go roaming on Sundays along the North Shore have won a blue ribbon at the Topsfield Fair and for the last three years a coveted prize in the Essex National Heritage Area Photo Contest. This year Reynolds was awarded second place in the youth photography Photo Courtesy of Essex National Heritage Photo Contest category for her photo of a hog lying 12-year-old, Georgetown resident, Kerry Reynolds won in mud at the Spencer-Peirce-Little 2nd place in the youth photography category for her photo Farm in Newbury. She entered it in the of a hog lying in mud at the Spencer-Peirce-Little Farm in category for “Shiny Happy People,” to Newbury. which she added animals. What could be happier than a pig in mud on a fall afternoon? asked Patricia Reynolds. Essex National Heritage Commission (Essex Heritage), a non-profit organization that manages and provides numerous programs preserving and enhancing Essex County’s historic, natural and cultural resources, hosts an annual photography contest. It is designed to encourage photographers of all levels to “capture” the living landscapes, unique places and interesting people of Essex County. Reynolds, who “got the bug” for photography two years ago when one of her Christmas presents was a camera, joins 14 winners in this year's Essex Heritage contest. They included her aunt, Susan Plutsky of Beverly, who has won the contest before as well. Plutsky's photo of the Rocky Neck in Gloucester won second prize in the adult category of Downtown (Everything’s Waiting for You). Most of the adults are veteran photographers like Linda Dahlberg of Newburyport, who won second prize in the category of This Land is Your Land for her photo of the tide coming in on Plum Island. Continued on page 3 Dahlberg, who has won several other photography contests, called Plum Island

Wolf Moon Hike Page 4 Civil War Roundtable Page 4 Cat in the Cradle Page 5 YWCA Martin Luther King, Jr. Event Page 4

By Stewart Lytle, Reporter –––––––––––––––––

Newburyport Girls Beat Amesbury with Seconds to Spare

Wednesday Evening Lecture Page 5

Photo by Stewart Lytle

Tori Anne Manteo

Teammates surround Emily Pettigrew after her last-second basket gave Newburyport a 6058 win over Amesbury on last Monday night. Photo by Peter McClelland

REGIONAL – In the past, seniors who are lesbian, gay, bisexual or transgender had to go to Salem or Boston to find social activities among their peers. North Shore communities were not as accepting of the LGBT community, said Tori Anna Manteo, a student at Salem State University who is an intern with the Amesbury Council on Aging. But that is changing. About 18 months ago, the Merrimack Council on Aging in partnership with Elder Services of Merrimack Valley began hosting a monthly dinner for seniors in the LGBT community. Facilitated by Ron Bourque, director of quality and systems for Elder Services, the free dinner attracts between 10 and 20 LGBT seniors each month, many of them driving from Andover and Georgetown to be at the dinner. It was the first social activity for the LGBT seniors in the area, come to network with one another and encourage those afraid to “come out of the closet,” Bourque said. “It is very exciting,” he said. Laura Dilligham-Mailman, director of the Merrimack Senior Center, said she wanted to start the dinners after watching the documentary Continued on page 3

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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 01969 or preferably via e-mail to: editor@thetowncommon.com.

The Town Common deadline is 5pm Wednesday (except when a federal holiday necessitates an earlier deadline).

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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

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77 Wethersfield Street Rowley, MA 01969-1713 Phone: (978) 948-8696 Fax: (978) 948-2564 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 2004-2015 The Town Common© - All Rights Reserved

In loving memory of Liz Ichizawa, Reporter (1956 - 2005)

January 14 - 20, 2015

Letters to the Editor

LEGAL NOTICE ROWLEY CONSERVATION COMMISSION

Amesbury Holiday Appreciation

In accordance with the Wetlands Protection Act, Mass. G.L. 131, Section 40, as amended, and the Town of Rowley Wetlands Protection Bylaw, a public meeting will be held on Tuesday, January 20, 2015 at 7:45 PM at the Room 5 of the Town Hall Annex at 39 Central Street to consider a Notice of Intent Application filed by Daniel Cooke for proposed installation of a replacement subsurface sewage disposal system possibly within 200’ Riverfront Area of the Mill River and the 100’ Buffer Zone of Bordering Vegetated Wetlands at 27 Glen Street (Map 21, Parcel 20) in Rowley, MA. Doug Watson, Chair Rowley Conservation Commission

Dear Editor, The Amesbury Holiday Program would like to thank the many individuals and businesses who contributed so generously this past Holiday Season to our program. The Amesbury Holiday Program provides clothing and toys to low income families with children with in the Amesbury Community at Christmas. In 2014 we provided 252 children (127 families )with Christmas gifts. The program is run by volunteers who coordinate all gift requests you see at local banks, businesses and churches. The volunteers work to be sure every gift request is filled. We would like to especially thank Dan Healey for providing us with a location for the volunteers to work from. A special thanks to Dianne Hollaran and her staff at Community Action for providing the office space for the sign up sessions. To the members of the Holy Family Parish, Unity on the River, Main Street Congregational Church and The Rock Church for their continued generosity and tireless work in filling gift requests. To Bev Drew and Blankets for Kids for the donation of beautiful handmade fleece blankets, and to all those who donated hand knitted items we Thank You! To the “Sewing Elves” for providing Christmas Stockings for each child. The Friends of the Amesbury Public Library for providing each child with an age appropriate book. To the Amesbury Middle School and Amesbury High School Student Council for fulfilling almost 100 gift request this year. To Children’s Castle and Windmill Country Day School for their continued generosity. For the many caring people and businesses who adopted a child or sent a monetary donation we thank you! Without you, and the very generous organizations in Amesbury many children would not have awakened with smiles on their faces on Christmas morning. The Amesbury Community is truly blessed to have so many caring people. Raelene Kukene , President The Amesbury Holiday Program

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Informational Meeting of the Rowley Light Department Board of Commissioners

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To all Rowley residents and businesses the Rowley Municipal Light Department will be holding an informational meeting on January 21st at 7:30pm at the Town of Rowley Library. The Rowley Municipal Light Department has conducted a Cost of Service Rate Study and will review the results and answer questions on the Cost of Service Rate Study during the informational meeting.

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January 14 - 20, 2015

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LGBT Seniors Gaining Support

Continued from page 1

film, Gen Silent, by Stu Maddux. She said she realized how isolated many LGBT seniors are. “The younger generation is apt to be more open to talking about their sexuality. Seniors have gone through so much. There is a lot of fear,� she said. This week the Amesbury Council on Aging will begin offering a weekly forum for eight weeks on issues faced by the senior LGBT community. The group will meet for an hour, from 8:30 to 9:30, for coffee and discussion at the senior center, starting Jan. 13 through March 3. “This is a population that really needs a lot of assistance,� said Manteo, who is organizing the meetings. “In their older years, they tend to get closeted again.� Bourque said one senior man, who attends the dinner, was fearful of telling the staff and other residents of a nursing home where he lived that he was gay. In what experts say is all too common, the man thought that if others knew of his sexual preference he would not be safe. Because of the encouragement of other LGBT seniors at the dinner, he disclosed that he is gay and has since made new friends. “It all worked out. It is a good feeling,� Bourque said.

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In announcing the weekly forum the Amesbury COA said the new group will examine and discuss the challenges faced by LGBT members inseeking services and the types of services available. “We will examine the wide spectrum of emotional responses we experience (depression, anxiety, anger, joy, etc.) from dealing with discrimination and ignorance, all the way to acceptance and working with those who are well informed.� The group will also discuss what it means to be an LGBT senior in a smaller suburban community like Amesbury and how it differs from a larger urban community like Boston. And the group will focus on ways to improve the community to make it a better place for LGBT persons, the announcement said. According to an estimate by UCLA’s Williams Institute on Sexual Orientation and the Law, there are at least 1.5 million LGBT Americans over the age of 60. According to various service providers to LGBT elders, this population deals with significant economic and health disparities as compared with heterosexual seniors. According to a 2011 national health study, co-authored by the Center for American Progress and Services and Advocacy for Gay, Lesbian, Bisexual, and Transgender Elders

(SAGE), more than half of LGBT respondents have been told by a -Since 1954 doctor that they are depressed, 39 •Private & Semi-Private Rooms percent have contemplated suicide with Baths and Beautiful Views and 53 percent feel isolated from An extended Care Community • Medicare/ Medicaid certified others. • Social Services-Speech, Social isolation remains a major issue because LGBT seniors are Physical, Occupational, & three to four times less likely to have Massage Therapies North Shore’s Largest Independent Community children, twice as likely to The be single • Full Activity Program Newspaper and live alone, the study found. • and much more... Other issues involve finances and www.seaviewretreat.com government assistance programs MANSION DRIVE • ROWLEY, MA • JUST OFF ROUTE 1A and health care issues, including emotional support for LGBT seniors who are sick and infirm. According to a 2010 MetLife Institute study, about 42 percent of the LGBT population identified their relationship status as single, much higher than the 27 percent Have you looked of the general population. The same at your sticker year, a Williams Institute study recently? reported that LGBT persons under the age of 30 were at least 16 times $19.99 WINTER CAR $10 OFF more likely to remain ‘‘closeted,’’ CARE PACKAGE while those over the age of 55 NEXT SERVICE Includes: Complete Vehicle Inspecwere 83 times more likely to be Does not include State tion, 4 Tire Rotation, Tire Inpsec‘‘closeted.’’ tion, Adjust Air to Correct Pressure Inspection, Battery in Tires, Fill Washer Fluid, Top Off For more information on the Replacement, All Other Fluids, Electric Battery Merrimack dinner every third or Tire Replacement Analysis, and Test Quality Coolant Thursday evening of the month, Expires: 4-30-15 Expires: 4-30-15 contact Bourque at rbourque@ esvm.org or at 978-946-1476. To learn more about the Amesbury Council on Aging meetings, call Manteo at 978-388-8138.

Choice Winner,� which was chosen by 1,993 public votes on Essex Heritage’s Facebook page, was won by Alison Colby-Campbell of Haverhill for her photo of Winnekenni Castle in Haverhill. Colby-Campbell also won first prize in the Downtown category for her shot of Basiliere Bridge in Haverhill. Other winners included Stanley Slysz of Salem his shot Shore’s of Winter TheforNorth Island and Regina R. Flynn of Salem for her shot of Gloucester Harbor. In the Shiny Happy People category, Laura Ganz of Danvers won first prize for her photo of Endicott Park. Walter Kosmowski of Beverly won second prize in that category for his photo of Wingaersheek Flats in Gloucester. And Jennifer Maguire of Hamilton won third prize for her shot of Wingaersheek Beach in Gloucester. In the youth category, along with Reynolds, Kimberly Guevara of Lawrence won first prize for a photo of Riverfront State Park and Will Emerling of Salem was named the third place winner for his shot of Salem Harbor. The winning photos will be on exhibit at a reception at 6 p.m. Wednesday, Jan. 28, in the gallery at Hunt's Photo & Video, 100 Main Street in Melrose. At the free reception, photographers will be presented with their awards.

978-948-8696 • www.thetowncommon.com • advertise@thetowncommon.co For more information and to RSVP for the reception, call Essex Heritage at 978-740-0444. The winning photos will also be exhibited for a year at the National Park Service Visitor Center in Salem, 2 New Liberty Street, and at the Merrimack Valley Planning Commission, 160 Main Street, Haverhill. ! They canIndependent also be seen on online at Largest Community Newspaper # ! " ! " www.EssexHeritage.org.

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her refuge and said, “I am fortunate to live here.� Her photographs are frequently exhibited in the area. Currently she has a show at Michael's Harborside Restaurant. David Stone of Ipswich, a staff photographer for the Boston Museum of Fine Arts, won first prize in the This Land is Your Land category for his shot of the 1684 John Burnham House on the Essex Marsh. He said he has been told repeatedly since he photographed the historic home that the house is so often photographed it is referred to as Motif No. 2. Stone, whose photos will also be exhibited this month at the Newburyport Artists Association, said photography “is something in his blood.� With his job, shooting photos of the collections at the Fine Arts Museum, he said, “At work, I am shooting photos, and when I am not at work, I am shooting photos.� Thirteen of the fourteen winning images were selected by a panel of judges that included Joshua Basseches, deputy director and chief operating officer of the Peabody Essex Museum, and three-time Pulitzer Prize winning photojournalist Stanley Forman. The Grand Prize Winner was a photo of Plum Island in Ipswich by Ken Jordan of Lynn. The “People’s

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Community Calendar To place an non-profit organization’s event in the Community Calendar for FREE, call 978-948-8696 or e-mail: events@thetowncommon.com

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faiths, political Ads parties, business Classified

technician. The package consists communities, organizations and of spay/neuter, rabies vaccinations, WOLF MOON HIKE schools. The interaction between exam, nail trim, and treatment for Reconnect with nature in the new area high school students and adult fleas and ear mites. Microchipping Community Continues . $20. . .Individually year and join us for anCalendar exhilarating community members is a hallmark is available for he North Shore’s Largest Independent Community Newspaper night walk on the sanctuary. We’ll of our annual Martin Luther King, packaged take-home flea treatment look for signs of wildlife, listen Jr. Event. Because of the donations is available for $15 per dose. The for owls and coyotes calling, and of our sponsors and community spay package for female cats costs talk about how plants and animals members, area students attend for costs $120.00. Normally, the neuter survive the harsh winter. Wednesday, free. Nancy E. Peace Action Against package for male cats costs $80, but January 14, 7:00-9:00 P.M. Fee: $16 Prejudice Award - The 2015 Nancy during January, thanks to a generous ($14/Mass Audubon members). E. Peace Action Against Prejudice grant from PetSmart Charities, male Advance registration is required; call Award will be presented to Michael cat neuter packages will cost only 978-887-9264. or register online at Nesson, NHS Student Health and $20. Feral cats cost $35 and will be massaudubon.org/ipswichriver. For Support Services School Counselor/ ear-tipped. Reservations are required more information on the programs, School Social Worker. Michael and can be made online at www. Liquidating Our Entire Inventory of visit our website: massaudubon.org/ consistently promotes equality, catmobile.org or by calling 978-465Decorative Rugs from Iran, Pakistan, India ipswichriver or call 978-887-9264. fairness and dignity for all and lives 1940. Take advantage of our special his life by the power of example. pricing and make your appointment and also - Turn of the Century Fine Antiques CIVIL WAR ROUNDTABLE Through his work, he ensures that today! Services: Appraisal, Repair & Wash The Civil War Roundtable of the all children are recognized for Merrimack will meet at 7:30 PM on their strengths, whether visible or BEHIND THE SCENES REFUGE 8-948-8696 • www.thetowncommon.com • advertise@thetowncommon.com Wednesday, January 14th at the East invisible. He is dedicated to serve the TOUR Parish Methodist Church, Salisbury underserved, and to advocate for not Held on the following days: Square (route 1), Salisbury, MA. just educational needs but for the life Saturday, Jan. 17th @ 9:30 am; “President Bob Sullivan will speak on needs of both the children and their Sunday, Jan. 18th @ 1:00 pm; “Charles Read, Confederate Naval families. In addition to his work at the Wednesday, Jan. 21st @ 9:30 am; Raider.” Admission is free and high school, Michael also serves the Saturday, Jan. 24th @ 9:30 am; anyone with an interest in America’s community on a number of boards Sunday, Jan. 25th @ 1:00 pm; Civil War is invited to attend. For including the Board of Directors Saturday, Jan. 31st @ 9:30 am Join a more information visit our web page for Community Action, Inc., the refuge ranger for a behind the scenes www.cwrtm.org or call Tom at (978) Advisory Board for the Newburyport tour of Parker River National Wildlife 462-8518. Learning Enrichment Center and Refuge. Tour will be conducted via the Beacon Coalition. If you are refuge van, with several brief “drive Additional 10% 159 Elliott St, FRIDAY, JANUARY 16th interested in purchasing tickets to by” stops along the way. The tour will with this ad this event, you may purchase them present an “up close and personal” Danvers, MA 01923 YWCA MARTIN LUTHER KING at the YWCA front desk. Tickets look at the refuge through the 978-774-1265 Mon - Sat 10 to 6 JR. EVENT for the general population are $25 multiple lenses of the cultural history 95S to 128N, exit 22E Th is year the YWCA Greater each. Teachers and Senior Citizens of Plum Island and the Great Marsh, From Cape Ann: 128S to exit 22E, left Sun 12 to 6 Newburyport is breaking with receive a discounted rate of $20 a native wildlife and their habitats, and off ramp about 1/4 mile tradition and holding its annual ticket, and students attend for free. the role of refuge management in the www.danversrug.webs.com Martin Luther King, Jr. event on For more information on tickets or conservation of these precious natural the Friday evening before the MLK supporting this event through your resources. Participants may be driven national holiday. The event will be donation, please contact Ellie Davis along areas on the refuge otherwise held at Newburyport City Hall from at (978) 225-6210 or email edavis@ closed to the public. This guided two 6:00 – 8:30 pm on Friday, January ywcanewburyport.org. hour program is most appropriate 16th, 2015, giving the organization for older teens and adults. Binoculars an opportunity to reach out to a SATURDAY, JANUARY 17th and/or a camera are recommended, 948-8696 • www.thetowncommon.com • advertise@thetowncommon.com broader audience and allow the teens but not required. Meet the ranger in Attorney-At-Law who organize the celebration the SKULL & BONE the lobby of the Refuge visitor center ability to prioritize the event ahead IDENTIFICATION 15 minutes prior to the program of final exam week. As in the past, all Join Richard Wolniewicz, author start time. Each session is limited students attend for free, and a light of A Field Guide to Skulls and Bones to 14 participants; no more than 4 supper will be served. The group of of Mammals of the Northeastern individuals per sign-up. Again, this is 102 Bridge Rd High School students who are active United States for this comprehensive a vehicle – based tour, with limited Salisbury, ma 01952 in our Racial Justice Committee has and interactive workshop. Learn how stops on the Refuge. Advance been working with theater students easy it can be to identify the animal registration is required for this Reillylaw1@verizon.net from surrounding high schools to bones you find on your walks by program, as enrollment is limited. Be develop a program that confronts utilizing the illustrated keys in his advised that individual tours may be racism through drama. Through book. Saturday, January 17, 9:00 subject to cancellation. *Please note: their planning this event promises to A.M.-Noon Fee: $30 ($25/Mass Those who call and leave messages Criminal Defense: produce a thoughtful performance Audubon members). Advance after hours, your registration is O.U.I./D.W.I. and commentary on a social ill that registration is required; call 978- not confirmed until you receive a Assault & Battery in recent months has taken center 887-9264. or register online at confirmation call from a Refuge staff Restraining Orders stage in our national conversation massaudubon.org/ipswichriver. For member. Please call (978) 465-5753 Drug Offenses about race and equality. Each more information on the programs, to register for this program. Driving Offenses year the YWCA seeks to illustrate visit our website: massaudubon.org/ through our Martin Luther King, Jr. ipswichriver or call 978-887-9264. ROBOTICS COMPETITION Larceny event that our mission of breaking TAKES OVER HAMPTON! Clerk-Magistrate Hearings down barriers and moving toward CATMOBILE Children, teens, and adults are Probation Issues compassionate understanding of The Catmobile, which offers sure to be amazed at the VEX Sealing Criminal Records other races and cultures is as relevent low cost spay/neuter for cats only, Seacoast Winter Classic Robotics All Other Criminal Matters today as it’s ever been. We feel that by is coming to U-Haul located at Competition, on Saturday, January collaborating with local high school 6 Merrill Street in Salisbury on 17th. Robots designed, built, and students in this event, the YWCA 1/17 & 1/31. It is operated by the programmed by students representing Personal Injury: is adding depth and a new way of Merrimack River Feline Rescue high schools or organizations from Motor Vehicle Accidents engaging our faithful audience. 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January 14 - 20, 2015 game. A series of qualification rounds culminates in elimination matches and an awards ceremony. Hosted by the Winnacunnet High School Engineering Team, this event will take place from 9am to 4pm, and the public is invited to stay all day or come for a little while to watch these amazing robots perform and compete. Raffle drawings and concessions will be available, and admission is free. The Winnacunnet High School Gymnasium is located at 1 Alumni Drive, Hampton, NH. For more information please visit www.robotevents.com or call 603997-1837.

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Ideas supports education projects in Kenya. These kids are doing Scratch. The animations students create in these workshops can be shared with the Kenyan project Kids. Ages 7 – 14 Best Programs Win a Prize .Themes and Challenge Topics: Plastic Trash Pollution; Endangered Elephants, What To Do With Drones; Your Favorite Song Animated

this winter? Why not head over to the visitor center at Parker River National Wildlife refuge to watch FREE family-friendly films on the big screen, in the comfort of the visitor center auditorium. These are great films with environmental themes. The Friends of Parker NWR will even provide popcorn and bottled water (for a suggested donation). No preregistration for these programs. Auditorium seating is limited to the first 75 people who show up! Sunday, January 18th @ 1:30 pm: The Lion King: Simba loses his father and is tricked into believing it was his own fault. He flees his home and his title of future king. The vivid animation and musical score opens up the world of wildlife and the concept of the circle of life to children. (978) 465-5753

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CAT IN THE CRADLE Lynne Taylor comes to the Cat in the Cradle Coffeehouse on January 17. Lynne, a local shining star, is the daughter of a folk musician and a poet. She began writing songs and performing professionally at the age of 14 and has been going strong ever since. Having grown up in Ohio during the 70's she absorbed the social consciousness of that time. Her music reflects her upbringing with poignant, honest songwriting combined with a powerful vocal style and unique piano accompaniment. Tristan Omand opens the night with exciting guitar picking and a lyrical dialog that is both humbly and sharply intuitive. Joining in this great line-up is versatile jazz guitarist Scott Solsky whose style runs easily into funk, rock, and bluegrass. The Cat in the Cradle Coffeehouse is hosted by the Byfield Community Arts Center, 7 Central Street, Byfield, MA. Doors open at 7:30 and admission is $5.00 at the door. The Cat CafÊ serves beer, wine, soft drinks, and snacks throughout the evening. For information please call 978-4633335 or check our website at www. byfieldcac.org.

MAKING TRACKS: LEARNING TO READ WILDLIFE CLUES Saturday, January 17th, 1:30 – 3:00 pm - If you have ever seen tracks in the snow, sand, or soil and were curious about what made them, then this is the program for you! Refuge staff will lead you through the basics of identifying common animals through the clues that they leave behind. A brief introduction to animal tracks and other sign in the visitor center classroom will be followed by a trip to the refuge where we will look for tracks and attempt to determine their owner’s identity. This is a program for beginners, so parents are encouraged to bring their children 10 and older. Please dress appropriately for cold and damp weather.  Meet in the lobby of the visitor center ten minutes prior to the program start time. Preregistration IS required as the program is limited to 10 people. Registrations are not confirmed until the registrant receives a phone call from a member of the refuge staff. Anyone having a BOB KRAMER BAND question about a refuge program is The Bob Kramer Band has had a asked to contact the refuge at (978) rest and we are back, raring to go. 465-5753. Please join them on January 17th, at David's Tavern from 8-11 and on SCRATCH SATURDAYS KIDS January 30th, at the Newburyport Creating Games & Stories. Brewing Co, 5-8 bring your dinner, Saturdays during January. 1:30 - 4:00 We suggest a pizza from Oregano, PM. In the lower meetinghouse of yum... And as always, we host open the First Religious Society Unitarian mic at the Grog on the 3rd Wednesday Universalist, 26 Pleasant Street, of the month, this month it's on the Newburyport. (laptops provided, but 21st. Lot's of fun to play and listen! students can bring their own if they want)  For Kids (7- 14 years) Create SUNDAY, JANUARY 18th Games, Stories, Animations with Scratch. Participants can come any BEHIND THE SCENES REFUGE time during the session.  Instruction TOUR at the beginning of the class for those See January 17th new to Scratch. Scratch is a kid friendly ore’sprogramming Largest Independent Community Newspaper environment for REFUGE FAMILY CINEMA telling stories and doing animations, OFFERS FREE MOVIES IN with sound and art. It was developed JANUARY! at the MIT Media Lab and is used Looking for something fun to do world-wide. Small Solutions Big with the kids on a Sunday afternoon

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WEDNESDAY, JANUARY 21st BEHIND THE SCENES REFUGE TOUR See January 17th WEDNESDAY EVENING LECTURE January 21: Ipswich Museum, 54 South Main St., will host its monthly Wednesday Evening Lecture at 7:30 pm. John Fiske, antiques dealer, Museum volunteer, and Chairman of the Ipswich Historical Commission, presents "Mehitabel's Mishap: a storied event in 17th-century Ipswich." Our Wednesday Evening Lecture series is generously sponsored by First Ipswich Bank. Cost is free for members, $10 for non-members.

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Letters To TheJanuary Editor 14 - 0, 015

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Page 6

Community Announcements

AMESBURY -The Market Street Baptist Church, 37 Market Street, Amesbury is hosting an 8-week Junior Church Basketball Program for both girls & boys ages 5-8 in the church gym. This program is Community Connections a noncompetitive, instructional league designed to teach fundamental basketball skills and basic Bible knowledge in a fun and engaging manner beginning Friday, January 30 through Friday, March 20 from 6:30 - 8:00 pm. A suggested donation of $10 per child is requested to help defray expenses. Please make A Full Line of Convenient Store Items check payable to: MSBC/Bball.Business Space is limited. To register in Spotlight advance: contact the church office at 978388-0930 or msbcsec@verizon.net. Open to the public. Registration is 6:00-630 pm on Friday, January as well as a Great Selection of Micro 30. Brew Beer and Wines -----------------------------------------------------------Real Estate • For Sale AMESBURY -Please join us on Wednesday, January 28th @ 12:00 PM or January 29th at 5:30pm to 300 Newburyport Tpke, learn more about a 12 week health education program coming to the Senior Center this February! We are Mon - Wed 6a-10p looking for 20 adults age 50+ to join us on an adventure to better health and well-being! Topics include The North Shore’s Largest Independent Community Newspaper Thurs & Fri 6a-11p (Route 1) Rowley Sports Sports nutrition, fall prevention, sleepSports behavior, and much •more. The info session is• paired with a sponsored Sat 7a-11p lunch/Dinner, so remember to sign up ahead of time if you plan on attending! Classes begin February Formally Cathy’s Kitchen Sun 7a-10p 12th at 5:30pm. Call today to sign up at 978-388-8138, or for more information contact Doreen Brothers (978) 432-1427 Assistant Director or Abby Stephenson, MSW Intern. Pets, Animals, Plus -----------------------------------------------------------2x3 HAMPTON - The Hampton Garden Club meets the second Wednesday of each month at 6:30 PM at the n.com First Congregational Church, Winnacunnet Road, Hampton, NH, unless otherwise noted. Membership Health & Fitness is $20 per year and includes informational topics, community projects and field trips throughout the year. For membership information call Roseanne Tuholski at 603-926-2705. -----------------------------------------------------------NEWBURYPORT - Bereavement Support Group at Anna Jaques - If you have experienced the death NO FEE UNLESS SUCCESSFUL of a loved one, please join us as we share our losses, develop coping strategies, and move toward healing Auto Accidents . Social Security Claims in a supportive, confidential environment. Dates: February 11 & 25 – 6:00-7:30pm, March 11 & 25 – 6:00-7:30pm, April 8 & 22 – 6:00-7:30pm. You must RSVP to attend: Lou Bonanno, Beacon Hospice Workers Compensation Bereavement Coordinator at 978-837-3333 or Lucille.bonanno@amedisys.com. Fee: FREE Location: HR Conference Room, Anna Jaques Hospital, 25 Highland Avenue, Newburyport. Directions: HR . . Wills Trusts Powers of Attorney Conference Room is located on the 2nd floor. Enter through the main entrance and take the stairs across from the Gift Shop. Go to the top of the stairs and through the door, take a left. The HR Conference Jack Perrone Room is at the end of the hallway on the right. -----------------------------------------------------------Serving MA & NH NEWBURYPORT - Winter in Newburyport Photo Contest 2015 - Announcing the Third annual Winter in Newburyport photo contest. This contest is open to all photographers and will be judged in two age categories, Adult and Young Adult. The young adult category is age 16, and under. Photos should be either landscape, or a local landmark. The winner in each of these categories will receive a $50.00 Gift of Newburyport Gift Certificate. In addition, the winning photo will be matted and framed by Newburyport Framers, 3 Graf Rd. Newburyport, and then proudly displayed in the Newburyport Post Office lobby for One Year. All photos must be taken in Newbury, Newburyport or Salisbury, and will need to include the Bathrooms location of the photo. Photographers may submit up to 3 photos, and the preferred size is 8 x 10. Prints Kitchens must be mailed to: Winter in Newburyport Photo Contest, P.O. Box 5, Newburyport, MA. 01950-9998. water heaters The contest is open from Jan. 1st to March 15th. No entries will be accepted postmarked after March 2014. Please fill out the entry form at the newburyportchamber.org, and attach it to each photo Licensed and Fully insured 16th submitted. We are not responsible for photos that are not identified. -----------------------------------------------------------no eXtRa CHaRge nigHts and weekends NEWBURYPORT Bartlet Mall Winter Carnival, Saturday January 31, 2015, 11:00 am to 3:00 pm. 8-948-8696 • www.thetowncommon.com • Done advertise@thetowncommon.com all calls, estimates & work By owner Featuring Sledding, Skating, Snowboarding, Snowshoe Demonstrations, Hayrides, Music, Food, Fun and • seRviCe Lowest Rates! CaLL & CompaRe a Whole Lot More! Enter your team in the Human Sled Dog Race. Presented by the Newburyport Parks Commission and Newburyport Youth Services with the generous help of The Newburyport Bank, The • RepaiRs Newburyport Mothers’ Club, The Institution For Savings, Amesbury Sports Park & REI. Bartletmall.org • instaLLation for more information -----------------------------------------------------------aLL woRk guaRanteed! jcgplumbingandheating.com NEWBURYPORT - The Merrimack Valley Skating Club, in cooperation with the Graf Rink, is now accepting registrations for the January Learn to Skate and Tiny Tots programs. Learn to Skate will take place on Sundays at 4pm & 5pm as well as Thursday at 6pm. Tiny Tots will take on Mondays at 1pm and Wednesdays at 2pm. There are also limited Tiny Tots spaces available during the evening Learn to Skate classes. Specialized Learn to Skate and Tiny Tots classes focus on the basic fundamentals that are important for shaping both hockey and figure skating skills. Skaters have the chance to earn skillbadges or certificates throughout the series. Student to coach ratio is kept low and classes are available for skaters age 3 through adult. Classes run as 7-8 week programs continuously throughout the year. Each member of the Merrimack Valley Skating Club coaching staff is a credentialed professional who has successfully completed a comprehensive background screening process through the National Center for Safety Initiatives. Visit www.grafrink.com for registration forms and detailed information regarding both programs. Please contact Nikki in the front office at 978-462-8112 with any questions. -----------------------------------------------------------NEWBURYPORT - Looking for something to do on a Wednesday, afternoon? Come join the Golden Agers at the Elks Hall at l:00 p.m. on the first and third Wednesdays of the month. The only requirement is that you be 55 years old or older. One of these meeting s is a short business meeting with coffee and doughnuts served and the other meeting we serve a lunch and have entertainment. Last month we had an excellent Elvis Presley imitator. Come and possibly meet some old friends and make some new ones. For more information call Jeanne Thomas, 978-465-8647. -----------------------------------------------------------NEWBURYPORT - Rehearsals began on January 5th for the Newburyport Choral Society's spring term

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to present Mozart's C Minor Mass, and Vaughan Williams' Serenade to Music and Five Mystical Songs. Registration will continue on Monday, January 12th and 19th from 6:30 to 7:15 pm at the Triton Regional High School cafeteria, 112 Elm Street, Byfield, MA. Rehearsals will run from 7:15 to 9:30 pm on Mondays. All Singers are welcome, particularly tenors and basses. To download a registration form, get further information and driving directions, please visit newburyportchoralsociety.org. 4A Winter St, Newburyport -----------------------------------------------------------978-462-1280 Hours: Largest Sun-Mon 12-5, NEWBURYPORT - The local nonprofit, Pennies for Poverty, has awarded a grant to the Pettengill The North Shore’s Independent Community Newspape House Inc. to address the need for emergency assistance for local individuals, children and families. The Tues-Thurs 10-6, Fri 10-7, Sat 10-6 Pettengill House is a community-based social service agency with locations in Salisbury and Amesbury A tasteful collection of women’s designer clothing: that provides services to nine local communities. The grant funding will provide support throughout Genetics Jeans, Miss Me, Ella Moss, French Connection, Black 2015 and enable them to meet the ongoing financial and physiological needs of Pettengill House clients. “We are so pleased to support the Pettengill House and address the very real needs of their clients living in Orchard Jeans, Joie, Splendid, Moon and Lola, and More the greater Newburyport community, said Michael Sandburg, president of Pennies for Poverty. “The local community generously contributed to the Pennies for Poverty 2 Cents 4 Change in 2014, and we are glad to donate that support for the benefit of the Pettengill House clients.”“We are grateful for this funding from Pennies for Poverty,” commented Deborah Smith, executive director of the Pettengill House. “With FURNITURE • LINENS • CHINA • DECORATOR ITEMS over ninety percent of our clients living at or below the poverty level, this financial assistance will provide a much-needed safety net and enable the Pettengill House to assist in meeting economic needs and alleviate stress. The assistance will help us support basic needs like housing, medical care, transportation, Mon-Fri 10:00-5:00 pm utility assistance and youth educational and recreational tuition.” 78 State Street, Saturday 11:00-6:00 pm -----------------------------------------------------------Newburyport, MA 01950 REGIONAL - Did you vow to lose weight, exercise more, reduce stress and spend more quality time with Sunday 12:00-5:00 pm friends and family? You can do some or all of these things with Greenbelt, Essex County’s Land Trust. BRING IN THIS AD FOR A SPECIAL DISCOUNT Let’s Get Outside is Greenbelt’s year-long push to inspire people of all ages to discover better health and happiness in nature. Experts agree that experience outdoors can change the way people feel physically and emotionally. For families and friends, time spent in nature can also build lifelong memories. Greenbelt’s county-wide conserved properties are open free of charge, dawn till dusk, every day for discovery. To further 978-948-8696 • www.thetowncommon.com • advertise@thetowncommon.com encourage outdoor adventures, Greenbelt conducts scheduled, guided walks and spontaneous outdoor activities that offer companionship and the chance to meet new friends. Greenbelt’s website, ecga.org, and facebook page provide information, directions and downloadable maps of local reservations. Also look for the newly published Greenbelt Guide at independent booksellers and outdoor adventure retailers. It offers updated trail and property information for favorite Greenbelt locations to hike, paddle and observe wildlife. Greenbelt has also launched Nature this Month, an on-line nature blog and calendar by popular local naturalist Jim MacDougall that will help you learn about and discover the flora and fauna of Essex County. The blog postings offer a monthly theme, like mammals or songbirds, and weekly suggestions of Greenbelt properties where you can personally experience plant and animal activity outdoors. -----------------------------------------------------------ROWLEY - Five Writers, Five Paths to Publications - Are you an aspiring writer? Are you curious about how books get from the writer to our shelves? Join us at the Rowley Library on Thursday, January 29 at 978-948-8696 • www.thetowncommon.com • advertise@thetowncommon 7 p.m. for a panel discussion by five North Shore authors sharing their publishing stories: Edith Maxwell writes multiple mystery series as well as award-winning short crime fiction. Holly Robinson is a novelist, freelance journalist, and celebrity ghost writer. Elizabeth Atkinson, formerly a freelance writer and author of gluten-free survival guides, is an award-winning Middle Grade author. Nancy Crochiere was a popular columnist for 15 years for The Daily News of Newburyport, and has collected her humor columns into a book titled The Mother Load. Susan Paradis has illustrated over 20 picture books for children, four of which she authored. The Rowley Public Library is located at 141 Main Street. For more information, call the library at 978-948-2850. -----------------------------------------------------------ROWLEY - Our Times, the Rowley Senior's Newsletter is printed each month and sent to all the seniors in Rowley. If you know a senior in Rowley who is not receiving our letter, please ask them to call us at 948-7637 and submit their name and address. You can also view the newsletter online at: www. townofrowley.net -----------------------------------------------------------ROWLEY - Rowley Library Collecting for Rowley Food Pantry - Donate non-perishable food items, cleaning supplies and paper goods, or personal hygiene products for the Rowley Food Pantry in the basket in the Library lobby. The Rowley Food Pantry is open on Tuesday mornings from 10 am to noon

The Town Common VINTAGE FARE ANTIQUES 978.463.5911

Continued on page 12

tide chart JAN

14 15 16 17 18 19 20 21 22

Merrimack River Entrance 42o 49’N 070o 49’W HIGH LOW

Wed 5:50 7.89 Thurs 6:42 8.02 Fri 7:35 8.23 Sat 8:29 8.54 Sun 9:21 8.92 Mon 10:12 9.31 Tues 11:01 9.65 Wed 11:51 9.88 Thur 12:22 8.81

6:16 7:12 8:08 9:02 9:54 10:44 11:33 xx 12:41

7.14 7.08 7.15 7.35 7.67 8.05 8.44 xx 9.95

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12:34 0.83 xx xx 12:49 0.95 1:29 0.65 1:41 0.93 2:23 0.38 2:33 0.79 3:15 0.03 3:24 0.56 4:05 -0.35 4:14 0.25 4:54 -0.73 5:04 -0.10 5:43 -1.08 5:54 -0.45 6:30 -1.33 6:45 -0.73 7:18 -1.46

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January 14 - 20, 2015

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Health & Wellness

What do you look for in a dentist?

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Let’s face it‌..saliva gets no respect. Most people only think about it as drool or slobber instead of the vital part of oral health that it truly is. With that in mind, I give you 10 things you may not know about saliva/spit. 10) Saliva is about 98% water. The rest of saliva is made up of electrolytes, mucous and various enzymes. 9) Llamas often spit at attackers when they feel threatened and will spit at each other to establish their pecking order. 8) Chemical digestion of food begins in the mouth with an enzyme called amylase, which is contained in the saliva. Amylase breaks down complex carbohydrates (starches) into smaller carbohydrates (sugars). For example, you might notice that potato can taste sweet as it is being chewed; this is due to the action of amylase. 7) Saliva is the name of a rock band that formed in Memphis in 1996. They are best known for their 2001 metal/hip-hop

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crossover “Click Click Boom.� located in Sequim, WA. 6) The bacteria in human plaque 2) Saliva serves to lubricate the turn the sugary foods that we eat lips, tongue, cheeks and other parts into acid. This acid, as well as acids of the mouth. If you have ever had from the foods we eat, can cause a dry mouth you know it can be a drop in the pH of our mouths, harder to speak or swallow. Many which is the cause of cavities in people with certain illnesses or our teeth. Enzymes found in saliva taking certain medications suffer help to neutralize the pH changes from chronic dry mouth, called and maintain a healthy acid/base xerostomia, which puts them at balance in our mouth. greater risk for cavities and other 5) Saliva contains many dental problems. antibacterial compounds like 1) A healthy human creates lysozyme, lactoferrin and between .75 and 1.5 liters of saliva peroxidase. There is some animal every day. Salivary flow is reduced research that suggests that wounds to almost zero during sleep which licked with saliva heal faster than is one very good reason to brush those that aren’t. These studies and floss just prior to going to were not conducted on humans, bed. although it is interesting to note I hope this has given you that wounds inside the mouth a different perspective and tend to heal much faster than appreciation for saliva. The next those on the skin (external to the time you hold a drooling baby, mouth). or notice your mouth water at 4) Saliva carries Calcium and some delicious aroma, you can be Phosphate ions which help reverse thankful for its important role. damage done to tooth surfaces Dr. St. Clair maintains a private (pre-cavities) by bacterial acids. dental practice in Rowley and 3) A “spit� is a kind of land form Newburyport dedicated to healthor sand bar that develops when centered family dentistry. If there the direction of the shoreline are certain topics you would like turns inland or “re-enters.� This to see written about or questions causes currents and waves to drop you have please email them to him sediment they are carrying and at jpstclair@dentalhealthforlife. forms a kind of depositional sand com. You can view all previously Shore’scolumns Largestat Independ bar. The largest spit The in theNorth U.S. written www. is called the Dungeness and is jpeterstclairdentistry.com/blog.

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January 14 - 0, 015

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Depending on Medicaid for Health Care

The Department of Health and Human Services was asked to survey three things from lists of Medicaid health-care providers: learn which providers could offer appointments to those with Medicaid, assess the wait times for care and find any differences between the availability between primary-care providers and specialists. The results arenÕt pretty. Half of providers could not offer appointments, either because they werenÕt at the location where they were listed (43 percent), or because they werenÕt participating in the plan or because they werenÕt taking new patients (8 percent). Some providers couldnÕt be found: No one had heard of them, or they had retired or left years ago. For those not accepting new patients, they were retiring, they had too many patients already or they were tired of all the no-shows for appointments.

Of those providers who did offer appointments, the median wait time was two weeks, but onefourth had appointment times more than a month away. Ten percent only offered appointments more than two months away. (Most of states have requirements that patients be able to get care within one month.) But it gets worse: Some providers who were accepting new patients wouldnÕt give an appointment date without first having more information about the patient. Some wouldnÕt make an appointment without seeing the patientÕs records. Others wouldnÕt accept patients with certain medical conditions. One wouldnÕt see patients who were overweight. When it came to primary-care versus specialists, primary care providers were less likely to give an appointment. However, to get in to see a specialist took twice as long. Some took the winter off; some only worked a few days a week. As of last year, 69 million people depended on Medicaid, and theyÕre depending on inaccurate lists of providers when theyÕre seeking care.

Page 11

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Send email to columnreply2@ gmail.com. (c) 2014 King Features Synd., Inc.

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AMERICAN ARCHITECTURAL

Continued from page 7

The Town Common

January 14 - 0, 015

and Thursday evenings from 6 - 7:30 in the parsonage of the Baptist Church at 153 Main St. All Rowley residents are welcome. -----------------------------------------------------------L.L.C. e NorthGENERAL Shore’s CONTRACTORS Largest Independent Community Newspaper ROWLEY - Fellowship Thrift Shop located in lower hall of First Congregational Church of Rowley, 175 Consultation to Project Completion . Carpentry . Masonry . Landscaping . Roofing . Basements . Water Entry Main St. (Rte 1A), Rowley is open on Tuesdays and Saturdays 9 a.m. to 1 p.m. and also Thursdays 3 - 7 p.m., weather permitting. We have clothing of all sizes, household goods and some special items - all . All Phases of Construction . Commercial/Residential OVER 25 YEARS of at reasonable prices. We even have occasional sales! We are happy to accept donations of gently used . All Maintenance Work . All Types of Restorations . Free Initial Consultation . Project Management “In the Field” Experience clothing and household items, but only when the shop is open. NO electronics, books or household PROPERTY MANAGEMENT/CONSTRUCTION SUPERVISION items, please. -----------------------------------------------------------All Types of Property Repairs SALISBURY - Salisbury Housing Authority has hired Mark Webber as its Executive Director to take the place of retiring Director Daniel Ouellette. -----------------------------------------------------------SALISBURY - Friendly Visitors through the Salisbury Senior Center - If you are homebound or know someone who is and would like some company, we have registered volunteers - Friendly visitors who will Black Oil visit you on a weekly basis – spend time with you, talking, reading playing cards, whatever you like to do. Sunfl GENERAL CONTRACTORS L.L.C. ower Seeds We do not want any of our seniors to become isolated, we also have telephone reassurance volunteers who Black Oil 50 lbs $25.99 will call you a few times each week to check on you and chat with you. If you are interested in having a Consultation to Project Completion 40 lbs. Basements - $21.99 . Water Entry friendly visitor or telephone reassurer please call us and let us know. 978-462-2412 . Carpentry . Masonry . Landscaping . Roofing Bird Seed Mix - 20 lbs - $9.99 . All Phases of Construction .Wild -----------------------------------------------------------Commercial/Residential Suet for as low as 89¢ OVER 25 YEARS of . All Maintenance Work . All Types of Restorations SALISBURY Th e Merrimack River Feline Rescue Society (MRFRS) is recruiting volunteers to assist Supplies Last! . Free Initial Consultation . ProjectWhile “In the Field” Experience with cat care at its 63 Elm Street Salisbury shelter. Help is needed seven days a week, with morning shifts Management PROPERTY MANAGEMENT/CONSTRUCTION SUPERVISION running from 8:00am to 10:00am, and afternoon shifts from 3:30 to 5:00pm. Most volunteers commit 978-352-7727 • 33 Library St., Georgetown All Types of Property Repairs www.thepoolguygeorgetown.com to one shift per week. “We have lots of kitties this time of year and we rely on our wonderful volunteers to help feed them and keep the shelter up and running,” said MRFRS Executive Director Bill Piercey. “We couldn’t do it without our volunteers, and we are looking for more help from all ages and walks of life.” German Conversation Wanted Those interested in volunteering can fill out a questionnaire at www.mrfrs.org or come in to the shelter I speak intermediate level non-native during open hours (Tues/Weds/Fri/Sat 11-4, Thurs 4-7). Candidates will then be invited to an orientation German and have traveled there several where they can learn more about available opportunities. times. I am looking to meet regularly -----------------------------------------------------------WEST NEWBURY - Laurel Grange #161 of West Newbury is looking for junior members ages 5-14. for fun conversation and friendship over If you know of a child who would like to join the grange and participate in contests, meet new friends, coffee or tea. Please call me: Gregory and become a part of the community then please contact jackie carter at 978-352-2986 or email me at (978) 618-9453. midnight721@comcast.net. 48-8696 • www.thetowncommon.com • advertise@thetowncommon.com

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The North Shore’s Largest Independent Community Newspaper January 14 - 0, 015 For Sale

Business Spotlight www.TheTownCommon.com Real Estate • For Sale

Getting a Mortgage 101 • Sports Sports Sports By John McCarthy,• Rowley Realty

Page 13

CELEBRATING OUR 25th ANNIVERSARY • Delicious Food • Great Service • Best Drinks • Superb Staff Always a Great Time!!!!! Live Music Local Musicians on Thursday, Friday & Saturday Nights Great Brunch Sunday 10-2

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you'll move frequently for work You are just out of college and your principal and should be avoided looking for a place to live. Maybe if possible. However, you can buy a or plan to relocate in the next few years, you probably don’t you moved back in with your parents home with no money down if you are want to take out a mortgage to save for a down payment. Maybe a veteran and there are programs that just yet. However, if you plan to you are living in a rental that takes a allow you buy for less than 20% down. be in the area for a long period huge chunk of your paycheck leaving The Federal Housing Administration David’s Tavern on Brown Square you with little cash to enjoy yourself. (FHA) offers loans that require small of time or plan to come back to 11 Brown Square, Newburyport the area, home ownership is a Unless Mom and Dad are rich or you down payments. There are other great investment. have saved every penny since you were creative programs such as Mass 978.462.8077 • How much real estate can born, or you live a life of crime and Housing that reduce or stop PMI www.davidstavern.com you afford? Think in terms can pay cash, you will probably need a altogether at less than 20% down. Free Babysitting Room mortgage to buy your first home Speak with an experienced mortgage of worst case scenarios. What would you do if you lost your Taking out a mortgage to buy a agent to review your best option. job? Would you be able to What Kind of Mortgage? home is more than likely the largest Swimming Pools & Spas Service Upgrades find another job that pays at a • A fixed-rate mortgage is one in debt you will ever take on in your Fire Alarms Recessed Lighting which the interest rate of the similar level? Can you handle life. While buying a home is a huge investment it means you're starting to mortgage stays the same for the monthly mortgage payments? Landscape Lighting Back-Up Generators Simply put, make sure you life of the loan. Current loan build up equity while providing your • www.thetowncommon.com • advertise@thetowncommon.c aren’t “house poor”978-948-8696 at the end rates on 30 year mortgages are with a piece of the American dream, of each month. under 4%. not to mention tax deductions. • An adjustable-rate • What are your long-term While this article may be simplistic for some, others who are entering the mortgage (ARM) is one where goals? You and your fiancé may be looking at a one the interest rate changes after a real estate market for the first time bedroom condo now, but what set period, typically either 3, 5 may find some value on how and why if you decide to have kids in or 10 years. The rate when the a mortgage works. mortgage expires the new rate the not too distant future? What Is a Mortgage? In the simplest of terms, a mortgage is usually tied to an economic What are the schools like in the area? You may not want indicator. In most adjustable is a loan used to buy a home where the ROWLEY, MA kids, therefore schools aren’t rate mortgages at expiration home itself serves as collateral. Most, important to you, however, your “new” rate will not rise if not all of people looking to get a James M. Cotter 781-254-8143 24 Hour Service or fall more than 2% in any if you’re buying a home as an mortgage have at one time opened a jcotterelectric@verizon.net credit card (if you don’t have a credit one year. However, they can investment, is the area a good Fully Licensed & Insured one so that the value of the continue to go up unless you card, you might want to get one as are able to refinance into a fixed home is likely to increase? you will need to establish a credit • Interest Rates: Rates are rate term. Adjustable rates can history. Your mortgage agent will below 4% for a 30 year term advise you on this.). While the credit be more attractive than fixed card application process was very easy, rates as they are typically lower mortgage. Even lower for 10, than a fixed rate. They do bring 15 and 20 year mortgages. that is not so with a mortgage approval significant risk as you are only These are very, very low process. It is long and thorough. I tell locking in this low rate for a numbers. In the 1980’s rates all my buyers entering the mortgage were in the high teens. application process that they will relatively short period of time, need pay stubs, documentation of all many in the mid 2000’s found Getting a mortgage is a big financial this out as these rates did go up commitment; however with interest your debts, month’s worth of bank with many unable to refinance rates at historic lows buying a home account statements and really just due to lack of equity and stuck now is an attractive option. Yes, home about anything else financial in your ownership can seem overwhelming, life. Going into this process you with a rising adjustable. should know that you may be asked Is This the Right Time to Buy? but if you’re ready to stay in one place This is the question everyone asks for a while, don’t want to pay your multiple times for the same items. Have patience. It helps to be prepared me. The honest answer is nobody landlord’s mortgage, want some tax by gathering all your financials ahead knows what the market is going to benefits then plunging into the real of time. do in the short term. However, we estate market and taking out your first When you decide you want to buy, do know what it will do, based on mortgage can be both financially and This architecturally rich and spectacular 7+ acre home has elegant and need of a mortgage, you should past events, in the long term. It will emotionally satisfying. custom millwork and high end finishes. The stunning Colonial is a legal If you have any questions about get the help of a mortgage agent to appreciate over a 10+ year period. It two family with a two bedroom apartment and garage, all combined to always has. When Largest considering Independent if it this article, real estate in general or get preapproved. You will be The asked North Shore’s Community Newspaper seamlessly integrate both formal and informal living areas. The spaquestions, and if the answers are is the right time for you think about are looking to buy or sell a home cious kitchen has radiant heated floors, professional grade appliances satisfactory will be given a preapproval. these few items: please contact me, John McCarthy at and granite counters all leading to a newly finished deck that overlooks • Where will you be in 5 or 10 Rowley Realty, 165 Main St., Rowley, Hopefully you have been paying your fabulous grounds…pond with greenhouse, gardens and multiple outyears? Home ownership is MA 01969, Phone: 978 948-2758, student loans on time as that will give buildings including a 30’x50’ barn. From the kitchen, step down into the typically viewed as a long-term Cell 978 835-2573 or via email at your credit a boost. Generally the huge family room and continue to one of the two entertainment rooms. better your credit score, the lower your commitment. If you think john@rowleyrealestate.com First, a fully outfitted and working English bar with breathtaking detail: interest rates will be. A preapproval handmade booths, bar top and gorgeous wood flooring. After a game will show you exactly how much of a tRaDe BUy sell of pool by the bar, head to the theater room with six reclining leather loan you can obtain and will also allow you to make an offer on a property you seats. Work in the 1900+ square foot, 3 bay garage with 9’ doors and Ho like. oversized handmade cabinets. Natural gas in house, but wood stove ure cke g i One of the biggest reasons many hot water heating system if desired. All of this in a convenient location F y are reluctant or feel they are unable to near the center of Town. Offered at $1,199,000. For more information get a mortgage is the down payment. or a private showing, contact John McCarthy at 978-835-2573. We Do! H If you can put down 20% of the e Instant Replays lme ear purchase price you will avoid “PMI” G ts UseD spoRtIng gooDs or Private Mortgage Insurance. This is a payment outside of your mortgage to 64 CentRal st, geoRgetoWn, Ma 165 Main St., P.O. Box 101, Rowley, MA 01969 protect the bank in case you default. 978-352-8800 Phone 978-948-2758 • Fax 978-948-2454 www.rowleyrealestate.com This payment doesn’t deduct from

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ARIES (March 21 to April 19) That lowerthan-acceptable performance you're getting from others in your group might be the result of miscommunication. If so, correct it before serious problems arise later on. TAURUS (April 20 to May 20) An unexpected situation could call for a change of plans. If so, you might feel that this is unfair. But it's best to make the needed adjustments now. There'll be time later for rescheduling. GEMINI (May 21 to June 20) The new year brings opportunities you might want to look into. Some might be more interesting than others. But take time to look at all of them before you make any decisions. CANCER (June 21 to July 22) It's a good idea to be careful about expenses until you've worked out that pesky financial problem. You might find it advisable to get some solid advice on how to proceed. LEO (July 23 to August 22) Romance looms large over the Leonine aspect. Single Lions looking for love should find Cupid very cooperative. Paired Cats can expect a renewed closeness in their relationships. VIRGO (August 23 to September 22) Making contact with a former colleague might not be high on your list of priorities. But it could pay off personally as well as professionally. Avoid bringing up any negatives about the past.

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January 14 - 20, 2015

LIBRA (September 23 to October 22) A personal relationship could face added stress because of a situation involving someone close to both of you. Be supportive and, above all, try to avoid playing the blame game. SCORPIO (October 23 to November 21) You might well find some lingering uncertainties about a decision. If so, take that as a warning that you might not be ready to make that move yet. More study would be in order. SAGITTARIUS (November 22 to December 21) Music is a dominant theme for Sagittarians right now, and it should remind you to make a greater effort to restore some much-needed harmony in that very special relationship. CAPRICORN (December 22 to January 19) Although family matters might demand much of the Sea Goat's attention this week, you'll want to try to make time to handle those all-important workplace situations as well. AQUARIUS (January 20 to February 18) A recurring unresolved issue might need to be revisited before you can move forward. Consider asking someone familiar with the situation to act as an impartial counselor. PISCES (February 19 to March 20) Ignore pressure to make a decision. Keeping your options open is still the wisest course, at least until you're sure you've learned all you need to know about the matter at hand. BORN THIS WEEK: You're capable of great loyalty to those around you, which is one reason you can count on devotion from friends and family. (c) 2014 King Features Synd., Inc.


January 14 - 0, 015

Community Calendar www.TheTownCommon.com

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Page 15

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ence necessary. Will train. new wheels and tires. Serviced by Maestronzi Bros, in Sea View Retreat, Rowley, annually Community Calendar Continues . . . ITEMS WANTED – Wanted by Pratt Beverly, MA. Asking: $1500.00 MA 978-948-2552 EOE Coin and Hobby in Georgetown. U.S. or best reasonable offer. Contact: Coins, silver, gold, foreign world money. FOR RENT COINS . GOLD . SILVER 508-954-5512 Old pocket watches, wrist watches, BARN / STALLS FOR TopsďŹ eld Village costume jewelry and post cards. Wheat SPLIT, CUT, SEASONED Shopping Center RENT: 45 Mansion Drive, pennies, Pre-1958 - 2 1/2 cents each. HARDWOOD FIREWOOD 30 Main St #C, 1 Bath. Prime equesTYPE COINS Call for Pricings Mike Kovalchuk 978-561-1893 trian business/school opporAVG. CIR. AU (978)204-9483 1/2¢........................... $55.00 $100.00 tunity set atop 15 acres on a Lg. 1¢.......................... 16.00 100.00 Cuddy Cabins, Cabin Cruisers, or Log Cabins... 18.00 125.00 Fly. E 1¢...................... hidden scenic hill overlookOPPORTUNITIES 7.00 40.00 Cop. Nic. 1¢.............. ing Plum Island Sound, etc. 12.00 60.00 2¢ Piece.................... PUBLIC SPEAKERS SALES 20.00 115.00 3¢ Silver I.................. Includes 3 barns, 22 stalls, TRAINERS WANTED PART 12.00 45.00 3¢ Nic....................... 20.00 80.00 Shield 5¢.................... hay storage, office, tack TIME SPARE TIME. CALL .50 35.00 Liberty 5¢................. rooms, feed room, 1/2BA, 603-490-4371 for more details. 40.00 175.00 Bust 1/2 10¢.............. Marine Service 11.00 55.00 St. 1/2 10¢................. hydrant, observation rm 23.00 275.00 Bust. 10¢................... RENTAL WANTED w/ indoor (120x60) & outNorthhampton, NH 10.00 50.00 St. 10¢........................ 2.00 40.00 Bar. 10¢..................... door (100x300) rings raked 85.00 275.00 20¢ Piece.................. SEEKING QUIET, longterm 75.00 1500.00 Bust 25¢ Lg.............. 2-3 times a week; judges' 2 bedroom/2bath house rent75.00 550.00 Bust 25¢ Sm............. Call Joe: observation deck 7 shack al, excellent 1 dog. 978-25716.00 100.00 Seated 25¢................ REM Marine Service 5.00 135.00 Bar. 25¢..................... for eventing, lighting, PA 603-235-3424 18.00 130.00 Stand. L. 25¢ I........... 3114. Hauls ‘Em All! 5.00 55.00 Stand. L. 25¢ II......... & iPod, cordless mic media 50.00 250.00 Bust 50¢.................... SERVICES system. 15-17 150x150 30.00 135.00 Seated 50¢................ 10.00 275.00 Bar. 50¢..................... paddocks Everything incl. AMERICAN HOME 200.00 650.00 Seated $1.................. 100.00 230.00 Trade $1................... except cable. Great for clin- I M P R O V E M E N T STERLING SILVER ics. $8,360/mo. 978-423- CARPENTRY - Repairs & Private Mint ............ 16.00 oz. 2103 Additions. Interior/Exterior ESTES Rockets & Supplies, Painting. Fully Insured. 30 NEWBURY - 5 rm Apt. Plastic & Wood Models / Supplies years experience. Free Estimates. Lv-Room with balcony, w/ Autos, Trucks, Planes, Ships & more Excellent Referrals. 978-465d hookup, Heat, Off-Street PineCars & Derby Supplies 2283 Parking, $1,000 a month. X-Acto Sets, Paints & More Ideal for Couple. Call 978- EXPERIENCED METAL MATH 465-3755 after 6 p.m. DETECTORS TUTOR - Reasonable Rates. Call 978-948-8696 • www.thetowncommon.com • advertise@thetowncommon.c 20 E Main St, Georgetown, MA SEABROOK NH, 978-356-5965 Mon-Fri 8:30a-6p, Sat 10a-5p ROOMATE -12X12 bed- ODD JOB SERVICES Phone 978-352-2234 room two closets+ xtra stor- Painting, Clean Out's, Moving, age space. Fireplace Great Dump Runs, Cleaning, and COINS room with projection TV for more! *ask for all additional servRARE COINS bought and sports&cold nites with company ices. Commercial & Residential sold. Highest prices paid. lofcatedRt1/95 @Mass. Line. Contact: 978 265 5650 Complimentary appraisals. Must see. $165/week. (603)760Serving collectors, dealers and 2874 PAINTING INTERIOR, EXTEinvestors for 40 years. See: www. RIOR, smoke and water damage FOR SALE linkedin.com/in/richardbagg. ceilings stain killed, repaired, or CARS WANTED Available to visit at home, office SNAPPER SPX 150 Series. replaced, carpentry interior-exteor bank. Call anytime 978-255- Model 2691020, SPX 2042 rior repairs, windows repaired and $ $ C A S H PA I D $ $ For Junk Vehicles & Scrap Metals Tractor and trailer. Two years replaced, gutters cleaned, repaired 1127 • Damaged and Junk Cars • Heavy and Light Duty Trucks old, used less than 30 hours, 42 or replaced, clean outs and clean • Buses, Farm HELP WANTED Equipment inch Mower Deck, hydrostatic ups of all kinds (cell) 978-376• Steel, Car Blocks, Light Irons HOUSEKEEPER - No experi- drive, 20 Gross HP., Trailer has 4214, (home) 978-374-6187 •Aluminum, Copper, Stainless

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