Will the New England Patriots take their 4th World championship under Belichick?

patriots-hat.jpg 

Despite 2 close games to average teams, Philli & Baltimore, I believe that the Patriots are poised for a solid win against the Steelers.The reason I believe this is true is because One of the Steelers (DB Anthony Smith) has guaranteed that the Steelers will win on Sunday Dec/09/2007.  After having followed the Patriots for 3 decades I have seen that whenever a team bad mouths the Patriots, or says we are no competition, The Patriots usually turn up the heat and find a way to put together a convincing win.Just this year I saw L T in San Diego jawing about how the Patriots were mediocre and over rated.That game was a huge victory for the Patriots and they held L T for around 65 total rushing yards.   Back to Anthony Smith of Pittsburg, Here are a couple quotes from Smith:“People keep asking me if we’re read for the Patriots,” Smith said, “They should be asking if they’re read for us.”Smith went on to say “We’re gong to win, Yeah, I guarantee it.”     Smith is the lone Steeler  that is on record of making these cocky statements.     Another Steeler, L B James Farrior, said “He better keep his mouth shut.” But in a nice way.Apparently a number of the Steelers remember 2003 when the Steelers had bought their tickets for New Orleans only to have to turn the tickets back in as the Patriots beat them in the AFC Championship and went on to stun the football world to defeat the invincible Rams for the World Championship.   With the Patriots it’s always been about Respect and lack thereof.Nothing will motivate the team more then negative jawing.In summary I do think that the Pats will go on to 19-0 and will do it convincingly.If you have any comments please post them here.This story was based on the AP article by Alan Robinson dated 12/06/07 entitled “Steeler’ Smith guarantees upset of New England”.
 

Best First Dance Ever!

Hillsborough New Hampshire, Walmart walks away

Some surprising news was recently released.

Walmart has had a large commercial parcel of land under agreement for about 3 years and decided to pass on going forward with the large box store that was rumored to start construction in Spring of 2008.

 According to The Villager newspaper, in the Now 15/2007 issue, “The proposed supercenter would have drawn more traffic to town, therefore more business for the smaller stores” (according to Walmart supporters).

Anti Walmart groups believe this move will give a boost to small businesses, which won’t have to deal with the competition.

A Walmart spokesman said “At this time, our corporation has made the decision that this project is not in sync with our over-growth strategy.”  Please read the entire article by reading that following article: 

By MICHAEL PONThe Villagerfter years of planning, collecting publicopinion and studying the affect of theirJL JLproposed location on the historical LowerVillage area of Hillsborough, Wal-Mart has decidednot to build in town.Reactions in Hillsborough range from enthusiasticto glum disappointment. Anti-Wal-Martgroups believe this move will give a boost to smallbusinesses, which won’t have to deal with thecompetition. But Wal-Mart supporters believedthe Supercenter would have drawn more trafficto town, therefore more business for the smallerstores. Several stores, such as Cricenti’s grocery,bailed out of town when they heard Wal-Mart wasplanning to move in.“At this time, our corporation has made the decisionthat this project is not in sync with our overallgrowth strategy,” said Christopher Buchanan,Senior Public Aflairs Manager, on Wednesday.“While this decision is certainly an appropriate onefrom a business standpoint it takes nothing awayfrom the iact that Hillsborough is an excellent communityand a good place to do business.”Wal-Mart’s decision is not based on local issues,but is related to a decision the company made tomoderate growth of U.S. Supercenters to improvereturns and sales. National media outlets reportedthat Wal-Mart’s stocks went up in value as a resultof the decision.“Since probably midsummer, there has been a lotof evidence of Wal-Mart cutting back on their storedevelopment,” planning board chairman HermWiegelman observed.“I think it is a shame for the town. It’s a huge loss.It will slow down the development of Hillsboroughsignificantly,” said Hometown Realty owner RexGray, who is handling the property for the proposedbig box store. “The delays that were causedby the anti-Wal-Mart groups are probably a bigfactor, because the store would probably be openby now. The bigger impact will be on the people ofHillsborough, with gasoline at $3 a gallon-, a lot ofpeople will have to drive to Concord. All of thosepeople will suffer. The anti-Wal-Mart groups didn’ttake those people into account”“I’m trying to temper my excitement I’m verythrilled,” countered Abby Rand, a member ofthe Hillsborough Citizens for Positive Growth(HCPG). “It was never a personal attack on WaJMart.It was always that we did not see the towngoing in that direction, with lots of traffic and bigbox stores. A thriving downtown with owner occupiedstores – that was our hope. I would like to seesmall local chains introduced to Hillsborough.”But Wiegelman believes, “Our’town is a Wal-Mart town. There is a small group against Wal-Mart, but they are probably those who can affordnot to have a Wal-Mart 1 think it is more than 70percent Wal-Mart. If they had broken ground thisyear, they would have pursued it, but thanks to theState of New Hampshire and the bureaucracies itadded a year to the approval process.”“I feel like our town has won the lottery. We nowhave our town back,” said HCPG member TammyMcClure. “It will encourage small business growth.I do think lhat businesses that were taking ofstarting up in town did not because of Wal-Mart.But now they can at least think about it – thereis some hope. I’ve always been sympathetic topeople traveling out of town for affordable goods,but I just think there is a better way to do it”But Gray and others see the other side of thecoin.“A lot of businesses that were thinking of comingwere just waiting for Wal-Mart to put a shovel inthe ground, and now they are just not going to doit,” said Gray.A developer who bought a piece of land justacross from the proposed Wal-Mart site said justthat some months ago. A Kentucky Fried Chickenand Taco Bell was to be built there, but the investorssaid they would not touch the site until Wal-Mart started to build“It’s too bad they are backing out,” said selectmenPaul Haley. “I think there are other businesseswho would like to come here. Hillsborough Prideand the Chamber of Commerce have been doing agood job of attracting businesses. But the state doesa good job of slowing things down.”“It is very disappointing,” said Kathy Bigwoodowner of Village Discount, also located directlyacross the street from the Wal-Mart site.Rather lhan being concerned about the competitionfrom Wal-Mart, Bigwood was looking forwardto the influx of traffic bringing in new customers.“The Bypass took away our drive-by traffic, andWal-Mart would have been a natural draw,” sheexplained “The town stood to grow a lot fromWal-Mart coming in, and now they are probablygoing to be stymied A lot of business owners aredisappointed.”Although Sharon Voorhees of Generations, a florist,thought that Wal-Mart would bring her morebusiness, she did not want the store in towa Sheobserved that Wal-Mart’s grocery section wouldhave drawn business away from Shaw’s, which hasa floral section, and then redirect customers to herbusiness because Wal-Mart doesn’t have a floralsection. People would not be walking right past theflowers in Shaw’s when shopping for food“But I don’t like the way they treat (heir employees.I don’t like the way they work around theworld” Voorhees said of Wal-Mart “I truly don’tthink another big retail store is going to help thetown.”Others agree.“I’m one that doesn’t think Wal-Mart needs tohave a store every 30 miles, so I’m happy about it”said Judi Heer of German John’s Bakery. “If Wal-Mart came I think the town would start developinglike Loudon Road [in Concord]. It creeps.”“It’s certainly going to help us, and some of theretailers that are still on my end of town,” saidAgway’s general manager Jim Buckless of Wal-JttfEnjoy your dinner in our rustic air-conditionedGift CertificatesavailableMart’s withdrawal. “But it’s certainly a shame forthe people who live in this town, because they certainlyneed a place to shop that is a little more local,especially with the price of fuel these days.” ,“I think there will be other developers to fill Wal-Mart’s shoes,” said Town Planner Matt Taylor.“They did all the work, went through a processwith the planning board and did the engineeringfor that site. It was approved locally at the townlevel in 2005, and the permitswere approved from DOT andthe DBS. It is unfortunate that ittook about two years for the section108 review process to takeplace. If Wal-Mart had been ableto build sooner, before some ofthe changes in their market strategies,we might be shoppingthere today.”The section 108 review wasincurred by part of the constructionsite being on wetlands. Anyconstruction site with wetlandstriggers an historical impact studyof the area. This study focusedon the Lower Village section oftown abutting the Wal-Mart site.Although issues surrounding trafficcontrol and impact were beingresolved this study took a great deal of time.But Taylor still sees that progress has been made.“Wal-Mart helped to establish what the public opinionis in this town,” Taylor said “That was very clearin the petition article to limit the size of stores, andboth times (hey were overwhelmingly defeated.”The first proposal asked the town to limit storesto 40,000 square feet, and (he second asked for a

70,000 square foot limitation

Data on Concord NH offered by Sperlings Best Places

Concord NH aerial

Interesting facts on Concord NH updated for 2007.

All information is found on Sperlings Best Places website.

Here are the Highlights:

Population for Concord, NH 32,766.

Population  Growth is 3.17%

Median priced house is $277,900.

Cost of Living is 1.55% (higher than US average)

Public Schools spend $6,388 per student (higher than National average which is $6,058)

Unemployment rate in Concord is 3.40%(Natnl average is 4.60%)

Jobs have decreased by .54%.

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All the data came from the Sperlings Best Places website

You may view them bu clicking on the following link:

http://www.bestplaces.net/zip-code/Concord_NH-70330100000.aspx

Rochester NH scratchboard artist

Deer

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 clay.  Bob has completed his second of a six part series of scenes of Rochester, New Hampshire.  The first piece is titled, “Bandstand on the Commons” which shows a familiar sight from the park in the center of the City of Rochester.  The second piece is titled “Opera House – Rochester, NH.”.  This piece is a commemorative to the Rochester Opera House which turns one hundred years old in 2008.  Bob has also won a number of awards from the Rochester Fair which is a 10 day fair running in mid-September.  Bob sells note cards, small and large prints along with original works at various fairs around the state and neighboring states.  To see some of his works and learn more about Bob visit his website at: www.bobgoudreau.com

 

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 point equals $1,000. Points are usually paid out-of-pocket by the buyer at closing.

Paying points may seem attractive, because a lower interest rate means smaller monthly payments. But is paying points always a good idea? The answer generally depends on how long you plan to stay in the house. Let’s look at an example:

Bob and Betty Smith are shopping for loan rates on a $150,000 home. Their bank has offered them a 30 year loan at 7.5 percent with no points. This works out to a monthly payment of $1,049.

However, their bank has also offered them a loan at 7 percent if they agree to pay 2 points (or $3,000). At this lower rate, their monthly payment drops to $998, or a savings of $51 per month.

By dividing the amount they paid for the points ($3,000) by the monthly savings ($51), we see that they will have to own the house for 59 months (or just under 5 years) before they will start to see savings as a result of paying points. If Bob and Betty plan to stay in the house for many years, then paying points could make good sense. But if they see themselves moving to another house in the near future, they’d be better off paying the higher interest and no points. (Note: for simplicity, the above example does not take into account the time value of money, which would slightly lengthen the break-even time.)

Can you deduct points on your income taxes?
In the United States, one side benefit of paying points on a mortgage loan is that they are fully tax deductible for the same tax year as your closing. However, this does not apply to points paid for a refinance loan. For refinances, the IRS requires you to spread out the deduction over the life of the loan. For example, if you paid $5,000 in points for a 30-year refinance loan, you can only deduct 1/30 of the $5,000 each year for 30 years. If you pay off the loan early, though, you can deduct the remaining amount that tax year. As to this page and all pages regarding tax situations, please check with your tax professional.

Welcome to my blog

Thanks for checking out the blog.I hope to use this blog to really spread the word of my love of my native N H.I hope to bring tons of events, news, business articles, Real Estate info and any other topics that will introduce the visitor to the beauty of and the rich blessings that New Hampshire has to offer to all people. All visitors are encouraged to write in and give their stories or comment on anything they feel move to discuss or simply ask questions . I look forward to many years of participating in the blogging community and will check out your sites as well.