Rochester NH scratchboard artist

Artist Bob Goudreau from Rochester, NH, works with a relatively unknown medium called scratchboard.  Scratchboards are mason boards coated with a layer of white China clay and then top-coated with black India ink.  Scratchboard art is created by using a scribing tool to literally scratch thousands of marks through the black layer into the white [...]

When should you pay points on a loan?

When Should You Pay Points on a Loan?

When it comes to comparing interest rates for a mortgage loan, homebuyers often have the option of choosing a loan with a lower interest rate by paying points. Simply put, a point is equal to 1 percent of the loan amount. For example, with a $100,000 loan, one [...]