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Friday, May 2, 2014 Volume 6 Issue No. 18
Your FREE Weekly Newspaper serving Dover, Hampton, Hampton
Falls, No. Hampton, Rollinsford, Rye, Portsmouth, Seabrook, &
Somersworth, N.H.
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BUSINESS& FINANCE
Arts & Entertainment
Creativityabounds in ourcommunities!
RYE -Summer House Fur-
nishings, located at 25 Saga-more Road in Rye, will host its
third Art with Heart event on Wednesday May 7 from 5 8 p.m. This
years event will benefit Arts In Reach (AIR), a non-profit
organization based in Portsmouth, that provides mentoring through
the arts to teenage girls in Strafford and Rockingham counties. AIR
empowers teenage girls through innovative teaching and men-toring,
utilizing accessible arts programming as the platform for success.
This fall, we will be launching the Business Women of AIR
initiative and the Art with Heart event is a perfect example of how
women-owned businesses can support teenage girls in New Hampshire.
We are very excited to be the recipient of
this years benefit. says Mary-Jo Monusky, Executive Director of
Arts In Reach.
The event will bring to-gether six accomplished artists from New
England, includ-ing Ellen Granter, best known for her painting Two
and One on the cover of the New York Times Bestseller The Help by
Kathryn Stockett, Janis Sanders, Peter Batchelder, Emma Ashby,
Teresa McCue and Caroline Rufo. Recent work by each artist will be
featured. Guests can meet the artists, view original art and shop
for home furnish-ings and accessories. Summer House Furnishings
will donate 20% of the nights sales to Arts in Reach.
The public is welcome to come and talk with the artists
in the race as their members, from as few as ten to as many as
possible, run and walk to ac-knowledge and honor the sur-vivorship
and/or memory of a loved one. Each year, Straw-bery Banke and the
race course through historic downtown Portsmouth becomes a sea of
colorful t-shirts as team mem-bers proudly f launt their colors,
often-humorous names and logos and vie for top fundrais-ing honors.
75% of all monies
raised underwrites breast cancer education, screening and
treatment programs in New Hampshire and Vermont. In 2013, $450,000
was granted to 16 organizations in the two states, while the
remaining 25 percent was dedicated to breast cancer research.
Team categories include Corporate, Friends and Family,
Education, Religious, and
PORTSMOUTH -The race is on or its
about to be so get ready! The 3rd Annual Komen New Hampshire
Race for the Cure, to benefit breast cancer educa-tion, training
and screening in New Hampshire and Vermont, will be held on
Saturday, May 10, in Portsmouth. The race, a 5K run or walk, starts
and finishes at Strawbery Banke Museum.
Teams play a huge role Members of Girls 4 the Cure, pre-race,
2013. (Photo courtesy of Image Art)
NH Race for the Cure Forming Teams Now
Art with Heart to Benefit Arts in Reach
See TEAMS page 2...
See ART page 3...
Calarco is best known for his extensive work over the years with
poll winning saxophon-ist Nick Brignola. An alumnus of Berklee
College of Music in Boston, he has also appeared throughout North
America and Europe performing with such jazz artists as Tom
Harrell, Dave Holland, Randy Brecker, Kenny Barron, Clark Terry,
Phil Woods, Danilo Perez, Kenny Werner, Dave Liebman, Chris Potter,
Jerry Bergonzi, Joe Lovano, George Garzone and many others. He has
ap-peared in Modern Drummer magazine both as a featured artist and
as a contributing cli-nician and was profiled and fea-tured in the
publications June 2012 issue.
The Seacoast Jazz Society (SJS) is a non-profit organiza-tion
whose mission is to pro-
mote an understanding of and enthusiasm for jazz in the New
Hampshire and Maine Seacoast area, providing opportunities for
listeners, students, and per-formers to hear jazz and to learn
about its history and techniques. In addition to its ongoing
lec-ture series, SJS presents free jazz performance-and-audience
discussion events, organizes regular jazz listening sessions, sends
a regular email newsletter of upcoming local jazz events, supports
guest artists at local jazz venues, and partners with other jazz
organizations.
The library is located at 175 Parrott Ave. in Portsmouth. For
more information, call 603-427-1540 or visit
www.cityof-portsmouth.com/library/.
If interested in a member-ship in the SJS, visit
www.sea-coastjazz.org.
Drummer David Scorch Calarco will deliver a lecture on jazz
drumming and its evolution at the Portsmouth Public Library on
Wednesday evening.
Jazz Society Presents Drummer David Scorch Calarco at
Library
PORTSMOUTH -Modern Drummer maga-
zine described David Calarco as one of the hottest acoustic jazz
drummers around today. On Wednesday, May 7 at 7 p.m., Calarco will
deliver a lecture on jazz drumming and its evolu-tio, along with
cymbal demon-strations and anecdotes drawn from his more than 20
years as a working musician, teacher and clinician. The lecture is
a pre-sentation of the Seacoast Jazz Society and will be delivered
in the Portsmouth Public Librarys Levenson Community Room.
Left to right: Artist Emma Ashby, Arts In Reach Executive
Director Maty-Jo Monusky, artist Tersa McCue, and Andrea Checovich
of Summer House Furnishings.
ECRWSSPRSRT STDU.S. Postage
PAIDPermit #24
Portsmouth, NH 03801
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GSS2 Th e Granite State Sentinel May 2, 2014
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Please join us for
Mothers Day BrunchSunday, May 11 ~ 10 am - 2 pm
View our complete menu online @ www.springhillmaine.com
Reservations Required Large Parties Welcome$24 adults, $10 ages
5 to 11, 4 & under freePrice does not include tax or gratuity.
Promotions/coupons not valid on 5/11/14.
A view for all seasonsOpen for Fine Dining Wednesday through
Sunday at 5 pm
Spring Hill Restaurant will not be open the evening of Mothers
Day
117 Pond Rd. (Just off Rte. 4) So. Berwick, ME 03908
207-384-2693
Wednesdays & Thursdays are Special at Spring Hill
Buy 1 Entre & Receive 2nd Entre FREEWednesday & Thursday
Only
To receive discount, a reservation is required and coupon must
be presented. EXP 5/31/14 (GSS)
DOVER -Cocheco Arts And Tech-
nology Academy (CATA), will host their 4th Annual Benefit
Auction on May 9, from 7 to 10 p.m., with doors opening at 6:30
p.m. The auction celebrates Na-tional Charter School Week and will
take place at the Redhook Brewery in Portsmouth.
The fundraising event fea-turing hors doeuvres, cash bar, live
music, raffles, art, and a live & silent auction. Tickets
($15/person or $25/couple) are avail-able in person at the CATA
front office or online at Eventbrite.
The event is sponsored by Kennebunk Savings Bank, Dover Rotary
Club, and Red-
hook Brewery with funds raised being used to support operations
and programming for CATA, a public charter high school that is
tuition free to NH residents, and serves students in the
Seacoast.
For more information call the main office at 603-742-0700, email
[email protected], or visit www.Cochecoarts.org.
Health and Community Orga-nizations. The Team Captain registers
and names the team, either online at komenvtnh.org or through a
downloadable paper registration. Once the team is registered,
others may join online. Members need not participate in the same
event;
they may either walk or run. There is no additional fee
to form a team. The fee is $35 for timed runners and walkers,
$30 for untimed and survivors, and $20 for children under twelve.
Even virtual runners, those who cant make it to the race but still
want to take part,
can join a team for $30.For more information on
teams or anything else related to the Komen New Hampshire Race
for the Cure, call 888-550-CURE, 603-610-5530, or visit online at
komenvtnh.org and click the Registration button.
...TEAMS from page 1
Friday, May 2Community Health ChampionsAt 5:30 p.m. Frisbie
Memorial Hospital, 11 Whitehall Road, Rochester will celebrate
Com-munity Healthcare Champions at The Governors Inn. Recognition
will be given to Joseph Behre and Dr. Sara Stacey. The evening will
include a reception, dinner and ceremony. Tickets are $50 each and
can be purchased by calling 603-330-7909.
Sunday, May 4Author PresentationCooking with Fire Author
Pres-ents at Stawbery Banke MuseumFood historian Paula Marcoux will
host a hands-on live-fi re cooking workshop and present her new
book, Cooking with Fire. Spon-sored by Slow Food Seacoast at
3:30-5:30 p.m. ($20/$25), followed by an open potluck dinner and
author cookbook reading. Stood-leys Tavern, Strawbery Banke Museum,
17 Handcock Street, Portsmouth. FMI: slowfoodsea-coast.com.
Monday, May 5DAR MeetingLangdon Place, Hampton Road, Exeter,
will host Bill Zarakotas of Liberty House, who will speak with the
Exeter Chapter Daughters of the American Revolution (DAR) members
and guests about how to help homeless veterans. The public is
welcome. FMI: exeter.nhsodar.org or www.dar.org.
Wednesday, May 7 - Thursday, May 8Art in Bloom6:30 p.m. to 8:30
p.m. The Hamp-ton Arts Network (HAN) and the
Hampton Garden Club (HGC) invite you to celebrate their annual
spring event at the Partridge House in Hampton, 777 Lafayette Road.
The opening reception will be held on Wednesday May 7, be-ginning
at 6:30. Refreshments are complimentary and provided by the
Partridge House. The display may also be viewed on Thursday May 8
from 1 p.m. to 5 p.m. FMI: Linda Gebhart at 603-929-3850 or
www.hamptonartsnetwork.org.
Thursday, May 8Girl Scouts Host MixerThe Girls Scouts of the
Green & White Mountains will host the next Dover Chamber
Morning Mixer at 350 Banfi eld Rd., Portsmouth. Kickstart your
morning with a blast of energy at this fast-paced networking event.
Registration is limited to 30 guests. Register early and be sure to
bring plenty of business cards.
Sunday, May 11End 68 Hours of Hunger EventAt 10 a.m. there will
be a formal affi xing of the name for the End 68 Hours of Hunger
building as The Christine Skidds Building, at St. Johns United
Methodist Church, 28 Cataract Avenue, in Dover. The public is
invited.
~ Calendar of Events ~
PORTSMOUTH -The Portsmouth Historical
Society is pleased to announce the 2014 exhibition: Mapping the
Piscataqua Region: John Smith to Google Maps. An opening reception
will be held at the John Paul Jones House from 5-7 p.m. on May 9.
It is free for members of the Portsmouth His-torical Society and $6
for others. Reservations are not required. The exhibition will run
through November 3.
While there are earlier Eu-ropean and Native American
representations of the Piscataqua region, the map drawn by John
Smith in 1614 named the whole area New England, and in the
Description of New England that accompanied the maps publica-tion
encouraged settlement and fishing ventures. Smith named what we now
know as the Isles of Shoals, Smiths Isles. This exhibition begins
with Smiths map and examines mapping in the Portsmouth area through
the present day. From Native Ameri-can descriptive names to the
pin-point accuracy of a Google map, it examines both the whys and
hows of mapping. You will see maps from four centuries and the
tools used to make them- from simple wooden compasses to a small
drone.
By the early 18th century, England needed to document and
defend its new empire. Cyprian Southack, Captain of the
Mas-sachusetts Province Galley, cre-ated charts for the territory
from Canso, Nova Scotia to New York that were published as the New
England Coasting Pilot, some-time between 1718 and 1734. With the
end of the French and Indian Wars, the British had even more
territory to accurately record. Joseph F. W. Des Barres surveyed
Nova Scotia and was responsible for compiling and publishing the
Atlantic Neptune, an atlas of charts and views of the east coast.
Samuel Holland was headquartered in Portsmouth to head up the
surveying effort. James Grant, his assistant, issued a map of
Portsmouth harbor in 1774.
While Smiths map and other early examples could get you to New
England, they were not of much use for day-to-day travel. Not until
land travel in-creased during the 19th century were detailed road
maps required. In the mid-nineteenth century town directories and
accompa-nying maps became common. Portsmouth, a city trying to
define itself through increased visitation to historic sites,
pub-lished a new promotional map or brochure almost every year.
For more information, visit www.PortsmouthHistory.org or call
603-436-8420.
Mapping the Piscataqua Exhibit at John Paul Jones House
CATA To Celebrate National Charter School Week
To place yourADVERTISEMENT
in THE GRANITE STATE SENTINEL
Call or email us at(207) 646-8448
[email protected]
-
GSSTh e Granite State Sentinel 3May 2, 2014
~ Arts & Entertainment ~
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ROCHESTER -The Granite State Choral
Society presents two performanc-es of Music of the Isles in
collab-oration with Berwick Academy Upper School Chorus on May 3
and 4.
Under the direction of Seth A. Hurd, Music Director, Music of
the Isles will feature a variety of Celtic and British folk songs,
including All Things Bright and Beautiful, A Welsh Lullaby, Irish
Tune from County Derry, Miners Life, Baba Yetu from Calling all
Dawns and more, all accompa-nied by a chamber orchestra.
Berwick Academy Upper School Chorus will present sev-eral pieces
including Riversong: A Celtic Celebration and Touch the Sky from
Brave, and then will join Granite State in a joint venture to close
out the program. Performances will be held on
NEWINGTON / EXETER -Rockingham Choral Soci-
ety will present a Spring Con-cert of music by George and Ira
Gershwin. Performances are Saturday, May 3 at 7:30 p.m. at Holy
Trinity Lutheran Church, 22 Fox Run Rd., Newington, and Sunday, May
4 at 3 p.m. at Exeter Congregational Church, 21 Front St., Exeter.
They will present selections from Of Thee I Sing, the 1931 Pulitzer
Prize winning musical which lampoons US Presidential elec-tions. An
American president faces impeachment, Supreme Court intervention in
elections, and the French Problem
This is an entertaining musical presented in concert version
along with several other Gershwin classics including Someone to
Watch Over Me and Summertime.
PORTSMOUTH -Celebrate the songs of a
summer night on Saturday, May 3, 7:30 p.m. with the one hundred
singers of the Con Tutti group. Myriad expressions of night through
sound and song from around the world will be featured at South
Church, 292 State Street in Portsmouth. From the very well known,
poi-gnant and comforting Welsh lullabye, All through the Night to
the exciting March-ing in the Light South African song,
Siyahamba.
So beautiful, exciting and rich to hear how South Africa might
wake after sleep-ing, in song with the crowing of a cock and
drumming of djembes, or to hear the beau-tiful American Appalachian
song Bright Morning Stars with its gorgeous haunting melody,
exclaims Joanne
Connolly, Director. We will sing such a terrific grouping of
songs running the gamut from Zulu songs to James Taylor to Mozart
to doo-wop to Billy Joel and back again! Weve had such a great
experience discov-ering so many expressions of night, from the very
fun doo-wop In the Still of the Night all the way to a very
amazing, sung version of Mozarts iconic Eine Kleine Nachtmusik... A
Little Night Music!
The concert will be a great way to spend an early summer night
with music for every taste, great singing and excit-ing drumming.
Concert tick-ets are sure to sell out! Tickets are $10 ahead of
time and $12 at the door and are available at the RiverRun
Bookstore in Portsmouth, 142 Fleet Street. For further information
con-tact Con Tutti at 207-451-9346.
authors, Celia Thaxter and Nathaniel Hawthorne, who, in various
works, explore the rich history and folklore of the islands.
Through Tabletop Toy Theatre, projected video and shadow play,
Pontine brings the legend and lore of the Shoals to life
onstage.
Performances are Thurs-days and Fridays at 7:30 p.m., Saturdays
at 4 p.m., and Sun-days at 2 p.m. Tickets are $24 and may be
purchased at www.pontine.org or at the door based on
availability.
Pontines West End Studio Theatre is located at 959 Isling-ton
Street in Portsmouth. For details, call 603-436-6660.
PORTSMOUTH -Greatness doesnt come
cheap at least not for the stu-dents of Theresa Rebecks
Semi-nar. On May 5 at 7:30 p.m., Stage Force will present a
one-night-only reading of this sassy, wicked comedy at The Music
Hall Loft, 131 Congress Street. Kate, Martin, Douglas and Izzy have
each shelled out $5,000 for a ten week writing course with Leonard,
a celebrated interna-tional literary figure and merci-less editor.
As Leonard submits both their prose and their egos to his
lacerating critiques, romances
are sparked, alliances forged, and backs thoroughly stabbed, all
in the name of moving from medi-ocrity to magnificence.
Kent Stephens will hand over the directorial reins to Chris-tine
Penney who will run the show, while Stephens steps into the role of
fiction-guru Leonard, a part originated on Broadway by Alan
Rickman. CJ Lewis, Doria Bramante, Todd Hunter and Dominique
Salvacion round out the cast in whats sure to be a vi-ciously
hilarious night of theater.
The Play Reading Series is presented with support from
Kennebunk Savings and is spon-sored by Jumpin Jays Fish Caf.
Tickets are $12 and include a complimentary beverage: glass of
wine, beer, press-pot coffee, White Heron tea or soft drink.
Doors open at 7 p.m. Tick-ets can be purchased in advance at 28
Chestnut Street, Ports-mouth, at TheMusicHall.org, or by calling
603-436-2400. Tickets are also available on a walk-up basis on the
night of performanc-es at The Music Hall Loft, if not sold out in
advance. For more information about the series, visit
www.stageforce.org.
about their work and the creative process. We are thrilled to
have such talented and successful art-ists come together for such a
spe-cial evening and to raise money for an important cause, says
Stephanie Saltonstall of Summer House Furnishings. Ellen Grant-ers
paintings have appeared in several major motion pictures and Janis
Sanders was recently featured in 100 Artists of New England.
Summer House Furnish-ings is located at 25 Sagamore Road in Rye
(at Foyes Corner).
For more information, call Summer House Furnishings at
603-319-1655.
...ART from page 1
Con Tutti Sings a Little Night Music
Saturday, May 3 at 7:30 p.m., at the Dover Baptist Church, 151
Washington Street in Dover, and Sunday, May 4 at 3 p.m. at the
First United Methodist Church, 34 South Main Street in
Roches-ter.
Hurd is a native of Maine and resides in Acton. He earned a
Bachelor of Music Degree with emphasis in Organ and Con-ducting at
the University of New Hampshire (UNH) and a Master of Arts degree
in Organizational Management at the University of Phoenix in
Arizona. He is cur-rently the Director of Finance and Operations at
Berwick Academy
in South Berwick, ME and is also a member of the music fac-ulty.
Hurd is currently the Music Director at the Acton Congrega-tional
Church in Acton, ME, and a member of the American Guild of
Organists, and of the American Choral Directors Association.
Tickets are $12 in advance or $15 at the door. Advance tick-ets
may be purchased at First United Methodist Church, Care Pharmacy,
161 South Main Street in Rochester, or from any Granite State
Choral Society member.
For more information, visit www.gschoralsociety.org or call Kris
Ebbeson at 603-502-3366.
The Rockingham Choral Society is celebrating its 57th season
this year and is under the direction of Andrew Gaydos and
accompanied by Jeannie Goodwin. The Society has a widely diverse
membership
PORTSMOUTH -May 1-11, Pontine Theatre
presents Isles of Shoals: Eternal Sound of the Sea, created and
performed by Co-artistic Di-rectors, Marguerite Mathews and Greg
Gathers. The script is drawn from the writings of two prominent New
England
Get Critical At Stage Forces Reading Of Seminar
Isles of Shoals: Eternal Soundof the Sea at Pontine
Rockingham Choral Society to Present Gershwinwhich enjoys
sharing the spirit of singing and sharing their musical gift with
others. Dona-tions at the door are $15 or can be purchased online
for $10 at www.Rockinghamchoralsoci-ety.org.
Granite State Choral Society Presents A Celebration of Celtic
Music, British Folk Songs and Island Music
-
GSS4 Th e Granite State Sentinel May 2, 2014
BUSINESS & FINANCE
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Money. Life. Options.SM
How to Engineer Your Financial Future in 2014Financial
resolutions
can be the most difficult to keep. They can include
minute detail, number crunch-ing, plenty of files and discipline
that can affect a persons entire lifestyle, says veteran
invest-ment advisor Paul Taylor, a member of the National Ethics
Bureau.
Many folks simply are not predisposed to combing through the
details of their fi-nancial situation; for them, the financial
world is abstract and filled with arbitrary rules, con-stantly
changing interest rates and other complexities, but being more
involved in your own money is well worth the investment, says
Taylor, an architect-turned-founder and owner of Capital Advisory
Group & Tax Planners of Lake Norman and Capital Invest-ment
Advisors, Inc (www.capi-taladvgroup.com).
While professional help is recommended for many as-pects of a
persons financial af-fairs, its ultimately up to the in-
dividual to understand his or her own money.
There are many things the average person can do to take con-trol
of their financial life. Taylor offers the following
suggestions:
For your cash flow, keep in mind the four As: Accounting,
Analysis, Allocation and Adjust-ment. The four As describe a
sys-tematic and disciplined approach to your daily, weekly, monthly
and yearly spending habits. Ac-counting involves gathering all your
relevant financial informa-tion income, recurring bills, and other
expenditures creating a central list of each item, and pull-ing it
together in a place where its easily accessible. Analysis is
reviewing the information to determine whether you have a shortfall
or surplus, and finding places to reduce expenses. Saving $100 a
month on dining out, for instance, would allow you to apply $100 to
your mortgage loan principle, saving you a substan-tial amount in
interest payments. Allocation involves determining your financial
commitments and
priorities, needs versus wants, and distributing your income
ac-cordingly. Adjustment involves periodic reviews of your
financial information and shifting assets to meet changing
needs.
Utilize estate planning tools such as wills and trusts; make
sure the details are accurate. Wills and trusts allow you to spell
out how you would like your property to be distributed, and much
more. A will gives you the opportunity to nominate your executor
and guardians for your minor chil-dren. If you fail to make such
designations through your will, the decisions will probably be left
to the courts. Bear in mind that property distributed through your
will is subject to probate, which can be a time-consuming and
costly process. Trusts, which are more complex, let you custom-ize
the distribution of your estate with the added advantages of
property management and pro-bate avoidance.
Start planning your retire-ment sooner rather than later. There
are a variety of retirement
planning options that can meet your needs. Your employer funds
some; you fund some. Bear in mind that, in most cases, early
withdrawals before age 59 may be subject to a 10 percent federal
income tax penalty. The latest date to begin required minimum
distributions is usually April 1 of the year after you turn age 70.
Withdrawals from tax-deferred plans are taxed as ordinary income.
The top planning op-tions include defined benefit pen-sion; money
purchase pension; profit-sharing plan; savings plan; employee stock
ownership plan; tax-sheltered annuities; individ-ual retirement
accounts; self-em-ployed plans; simplified employee pensions; and
savings incentive match plans for employees.
Remember the first com-mandment in safe investment:
diversification. Virtually every investment has some type of risk
associated with it. Dont put all your eggs in one basket.
Diversi-fication is one of the main reasons why mutual funds may be
so at-tractive for both experienced and
novice investors. Many non-institutional inves-tors have a
limited invest-ment budget and may find it challenging to construct
a port-folio that is sufficiently diversi-fied. For a modest
initial invest-ment, you can purchase shares in a diversified
portfolio of secu-rities. Depending on the objec-tives of the fund,
it may contain a variety of stocks, bonds and cash vehicles, or a
combination of them.
Paul Taylor is the founder and owner of Capital Advisory Group
& Tax Planners of Lake Norman and Capital Invest-ment Advisors,
Inc. Taylor, a fully licensed investment advi-sor, has more than 20
years of experience in the industry and is committed to providing
per-sonalized service to those he serves. Since 2007, he has been a
member of the National Ethics Bureau, which acknowledges
individuals who prove they are committed to upholding the highest
ethical standards in their practices.
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GSSTh e Granite State Sentinel 5May 2, 2014
BUSINESS & FINANCE
Money. Life. Options.SM
Bank on the go.
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DOVER 701 Central AvenueNOW OPEN IN:
HAMPTON 24 Winnacunnet Road
PORTSMOUTH 111 Maplewood Avenue
3.5 x 2.5 | Maximum Font Size: 30 pt
Your Source forTax-advantaged Income
Joseph D MitticaFinancial Advisor.
18 Lafayette Rd Suite 6North Hampton, NH 03862603-964-1947
Member SIPC
3.5 x 2.5 | Maximum Font Size: 30 pt
Your Source forTax-advantaged Income
Joseph D MitticaFinancial Advisor.
18 Lafayette Rd Suite 6North Hampton, NH 03862603-964-1947
Member SIPC
3.5 x 2.5 | Maximum Font Size: 30 pt
Your Source forTax-advantaged Income
Joseph D MitticaFinancial Advisor.
18 Lafayette Rd Suite 6North Hampton, NH 03862603-964-1947
Member SIPC
3.5 x 2.5 | Maximum Font Size: 30 pt
Your Source forTax-advantaged Income
Joseph D MitticaFinancial Advisor.
18 Lafayette Rd Suite 6North Hampton, NH 03862603-964-1947
Member SIPC
Observe Tax Freedom DayBy Making Tax-Smart Investments
concept of Tax Freedom Day to find ways to reduce the taxes
as-sociated with your investments.
Here are some suggestions:
Boost your 401(k) contributions.
Your 401(k) contributions are typically made with pre-tax
dollars, so the more you put in, the lower your taxable income.
(Some employers allow a Roth option, under which you can make
post-tax contributions.) In 2014, you can put in up to $17,500 to a
401(k) or similar plan, such as a 403(b) or 457(b), and if you are
50 or older, you can contrib-ute an additional $5,500.
Fully fund your IRA.No matter which type of
IRA you have traditional or Roth you will gain some valu-able
tax benefits. With a Roth IRA, your contributions are not
deductible, but your earnings can grow tax free, provided you dont
start taking withdrawals until you are 59-1/2 and youve
had your IRA for at least five years. If you own a traditional
IRA, your earnings can grow tax-deferred, and your contribu-tions
may be deductible, depend-ing on your income level. So, similar to
a 401(k), the more you put in to your traditional IRA, the lower
your taxable income may be. In 2014, you can con-tribute up to
$5,500 to an IRA, or $6,500 if you are 50 or older.
Contribute to a college savings plan.
Many college savings plans offer some type of tax advantage. For
example, if you contribute to a 529 plan, your earnings can grow
tax free, provided all with-drawals are only used to help pay
qualified higher education expenses. (529 plan distributions not
used for qualified expenses may be subject to federal and state
income tax and a 10% IRS penalty.) Furthermore, your 529 plan
contributions may be de-ductible from your state taxes.
Avoid excessive buying and selling.
If you are constantly buying and selling investments, you may
find it taxing, because short-term gains (gains on assets owned for
less than one year) will be taxed at your ordinary income tax rate,
which could be as high as 39.6% (and you may also be sub-ject to a
3.8% Medicare surtax). However, if you hold your invest-ments
longer than a year before selling them, youll pay the more
favorable long-term capital gains rate, which will likely be
15%
or 20%, depending on your income, though you might still be
assessed the Medicare surtax.
Tax Freedom Day is here, and then its gone. But by taking the
steps described above, you may be able to brighten your tax picture
for years to come.
This article was written by Edward Jones and sub-mitted by
Financial Advisor Joseph Mittica. If you would like to reach
Mittica, you can do so by calling 603-964-1947.
You didnt see it on your calendar, but Tax Free-
dom Day fell on April 21 this year. So, why not mark the
oc-casion by beginning to look for ways to become a tax-smart
investor?
Tax Freedom Day, cal-culated annually by the Tax Foundation, is
the day on which Americans have earned enough money to pay this
years federal, state and local taxes. Of course, Tax Free-dom Day
is something of a fiction, because most people pay their taxes
throughout the year, via their paychecks. Fur-thermore, as famed
Supreme Court Justice Oliver Wendell Holmes, Jr., said: Taxes are
what we pay for civilized so-ciety. When you pay taxes, you help
fund public educa-tion, the police, the fire depart-ment, food
inspection, college scholarships and many other elements of
society. Nonethe-less, you may want to use the
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GSS6 The Granite State Sentinel May 2, 2014
~ Puzzles & Library News ~
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Answers to last weeks puzzles
CLUES ACROSS1. Alter7. Defects13. Language of Andorra14. One who
scrapes16. Not off17. People indigenous to Europe19. Of I20.
Hmongs22. Brew23. Sandwich shops25. Shade trees26. Scope or
extent28. Self-immolation by fire29. U of Al. fraternity
3-9-185630. Automatic data processing31. Veterans battleground33.
___ Squad34. Frog genus36. Pillage38. Elsewhere defense40. Graphic
symbols41. An opaque spot on the cornea43. Capital of Yemen44.
Doctors group45. Electronic countermeasures47. Make lace
48. Chit51. Singer Horne53. Silent agreement55. Short-billed
rail56. Drinking container58. Matchstick game59. Indian dresses60.
Trumpeter Hirt61. The Views first segment64. Atomic #3465. Plural
of 41 across67. Roof supports69. Tears apart70. Goat-like
deities
CLUES DOWN1. Folder paper2. Mormon state3. Folded, filled
tortillas4. Expression of sorrow5. Follows sigma6. Settle in
tents7. Milk paint8. A batters run9. Little Vienna on the Mures10.
Stems11. Country singer Lang12. Half tone interval13. Arrives
15. Occupies18. Vestment21. Relating to US artifacts24. One who
covers with lami-nate26. Dental organization27. Pitch30. Like a
feeble old woman32. Murdered in his bathtub35. __ Dhabi, Arabian
capital37. Play on words38. Alloy of mercury39. Mushroom gill42.
Perform43. College entrance exam46. Praying insects47. Entices49.
Ascends50. Sculpture stands52. God of Assyria54. Data executive55.
Impudent57. Not shared59. Rabbit tail62. Small amount63. Irish
revolutionary org.66. Ben-Hur actors initials68. Older citizen
(abbr.)
Portsmouth Public LibraryTEDx Piscataqua River Watch Friday, May
9 - Hilton Garden Inn Room from 9 a.m. to 5:30 p.m. Pro-gram will
focus on ideas presented by Seacoast innovators. TED is a nonprofit
devoted to spreading ideas, usually in the form of short, powerful
talks (18 minutes or less). The group believes passionately in the
power of ideas to change attitudes, lives and, ultimately, the
world. The agenda is to make great ideas accessible and spark
conversation. Meanwhile, inde-pendently run TEDx events help share
ideas in communities around the world.
In a WorldMay 8 at 6:30 p.m. in the Levenson Theatre. An
underachieving voice coach finds herself competing in the movie
trailer voice-over pro-fession against her arrogant father and his
protg. Star and screen-writer, Lake Bell won the Waldo Salt
Screenwriting Award at the 2013 Sundance Film Festival Award for
the films. Noted for its laugh out loud comedic moments and shrewd
social commentary. Rated R and runs for 93 minutes.
Free and open to the public. Light refreshments are
available.
For More InformationContact the library at 603-427-1540 or visit
www.cityofports-mouth.com/library/.
Rye Public LibraryAuthor Jacqueline West Tuesday, May 6, 6:30 to
7:30 p.m. - Jacqueline West, author of the childrens series The
Books of Elsewhere, will visit for a presen-tation and book
signing! All ages are welcome.
Friday FlickFriday, May 9 - 3:10 p.m. Rated PG. The voice
talents of Justin Long and John Leguizamo take you on a thrilling
prehistoric jour-ney the whole family will enjoy! In a time when
dinosaurs rule the Earth, the smallest of the pack a playful
Pachyrhinosaurus named Patchi embarks on the biggest adventure of
his life.
For More InformationContact the library at 603-964-8401 or visit
ryepubliclibrary.org.
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-
GSSThe Granite State Sentinel 7May 2, 2014
-
GSS8 The Granite State Sentinel May 2, 2014
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