An Independent Weekly Newspaper
Pelham~Windham News Volume 9 Number 27 January 20, 2012 16 Pages
Financial Wellness Month
Financial Wellness Month is celebrated during the month of January. Financial Wellness Months provides a great time to start thinking about your financial future as well as that of your employees. January is a particularly good time for Financial Wellness Month since many American’s over spend during the holidays Financial wellness is an intricate balance of the mental, spiritual and physical aspects of money. This unique combination is an ideal to strive towards in our dealings with money. Financial wellness is having an understanding of your financial situation and taking care of it in such a way that you are prepared for financial changes. Take the quiz: Score yourself - Yes/Kind of/No/
You must be kidding 1. Do you have cash in your pocket? 2. Do you balance your checkbook regularly? 3. Do you know the total amount of debt you have?
4. Do you feel there is plenty of time in the day? 5. Do you have a retirement account? 6. Do you know how much is in your retirement account?
7. Do you know where your retirement is invested?
8. Are you happy with your job? 9. Do you know what your net worth is? 10. Do you know what net worth means? Scoring: For every answer score the following points: Yes: 1 Kind of: 2
Pythons Host Sixth Annual
Dan Gionet Memorial Tournament, Medeiros: Another Best of the Best Performance
by Marc Ayotte Saturday, January 14, saw a myriad of
schools descend upon Pelham to compete in the sixth Annual Dan Gionet Memorial Wrestling Tournament. The event was held in the PHS gymnasium in honor of the one-time Pelham High student and Python wrestler who tragically lost his life, while overseas in Iraq in the spring of 2006, serving his country. After a moment of silence in Gionet’s memory and for all those who serve and protect us each and every day, an emotional rendition of the national anthem preceded the over 150 wrestlers taking to the mats.
During the second round of the No: 3 You must be kidding: 4
Total Score:__________ Check-in Results 10-15: Looking Good - You have a handle on your financial picture. You are on the scales with a fairly steady balance. And congratulate yourself! 16-22: In Need of Education - Okay, you have an overview of what is going on in your life. Your financial wellness picture is a bit hazy. But with some education and a bit of persistence you can change the picture and steady the balance. 23-28: Mismanaged - Your time and effort are misguided when it comes to finances, that is if you are putting anytime and effort in at all. You are heading for a disaster of the most explosive kind. 29-34: Messed Up - Get help immediately! You cannot do it on your own. Just think of all that fear and dread that provokes stress around money, that someday could be gone, if you act now! 35-40: Denial is Bliss - Have a nice day.
you ever are ready to look at your finances - go slowly, it may be overwhelming to deal with reality.)
Financial Wellness Check-in Action Steps What do you do with the score? Read below and find the action steps that match
your score. 10-16: Looking Good - Yes, you are in good shape. Still, there is always more to learn. It is time to get some objective advice. So investigate the financial professionals in your area. Look for an advisor who is a Certified Financial Planner. This means they are licensed and educated to review your whole financial picture and help you meet your goals. An annual check-in will help you reach peak performance and keep you operating that way. 16-23: In Need of Education - How to get a financial education without going back to school? Look to financial magazines to begin your education. Pick up a book or two to guide you in your understanding of financial matters. Then, attend a financial workshop or two. Local business groups or continuing education centers offer them at convenient times and at little or no expense. 23-29: Mismanaged - How do you start now putting in the extra time and effort in to your finances? First, set aside time to review what income you have, and how you spend it. This may involve pulling together financial records or starting from scratch tracking the information. Next, pull out your bank statements, credit card statements and retirement and investment accounts. On one sheet of paper, summarize how much you have and where it is. 29-34: Messed Up - Where to get the help you need? First, you may ask friends how they do it – if you are comfortable talking to them about money. Second, consider talking to a therapist or other professional about why it is you have resistance to facing up to money and its place in your life. 35-40: Denial is Bliss - If you are willing to put in some work, there is hope. Just in an objective sense, no beating yourself up or creating a crisis of past wrongs. write it down and acknowledge it. Next, spend twenty minutes a day with your finances. Start with simple tasks – cleaning your wallet and counting the money there. Collecting the loose change scattered in your house, car, and pockets and putting it in one place. When you are comfortable with these tasks, move slowly up the scale.
daylong event, wrestling action was briefly interrupted for a special occasion. Representing what Pelham coach and tournament coordinator Bob Riddinger called the “spirit of the event” the spectators inside the PHS Snake Pit stood as one as they recognized and applauded Lance Corporal Richard Silveira. After graciously acknowledging the crowd, Silveira and his cousin, wrestler Sean Clohisy of Pentucket, embraced in front of the scorer’s table (see photo). It was Clohisy’s match that was about to begin when the announcement occurred. The U.S. Marine, who is home on leave from Afghanistan, is a 2007 graduate of Methuen (MA) High and was captain of the wrestling team. The field consisted of 18 teams including Whittier Tech and Marblehead/Swampscott from Massachusetts, Westerly High from Rhode Island as well as local schools Nashua South, Hollis-Brookline and Windham, to name a few, in addition to host Pelham. The Pythons featured three wrestlers who picked up three victories each, on the way to a continued to page 8- Memorial Tournament
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Fallen war hero Dan Gionet’s Memorial photo is flanked by former Python wrestlers Rich Sullivan (L) and Warren Greenhalgh; positioned in front is current Pelham wrestler Josh Medeiros
Seventh Grade at St. Patrick School Supports MSPCA at Nevins Farm
submitted by Kerry Flaherty The seventh-grade class at St. Patrick
School in Pelham recently raised money and collected supplies for the MSPCA at Nevins Farm (“MSPCA”) in Methuen. Students donated money of their own, asked family and friends to match personal donations, and earned money at home by doing extra chores. The class also organized a school- wide drive for supplies needed at the shelter, such as paper towels and blankets. The seventh-graders created promotional flyers and wrote public announcements to encourage participation from the school community. The students collected over $500 and close to 150 material donations. Morgan Walsh described how she raised money.
put in $10 of my own money and went to all my family members asking for donations,” Morgan said. “Even my 5-year-old sister was happy to give some of her quarters to the little animals. In the end I was proud to fill my money box with $131.” Her classmate, Catherine Santangelo took a different, but equally successful, approach to the fundraiser. Catherine explained, “I participated by bringing in paper goods every day, and I emptied out my piggy bank, wallet, and drawers for spare change. I brought in coin rollers for when we counted the money as well.”
Entire seventh-grade class with Danielle Wordell, Humane Educator with the MSPCA, and her dog Tucker who had been at the MSPCA
continued to page 10- Seventh Grade
Town Budget Proposal Up Just Over One Percent
by Barbara O’Brien When town officials first started reviewing the proposed 2012
Windham town-operating budget, it stood at a 2.8 percent increase over the amount of money appropriated for last year. Gradually, the proposed costs were whittled down to just over 2 percent, then, finally, during the public hearing on January 9, the proposal was cut to slightly more than a one-percent increase over 2011. This is the first time since 2008 that a proposed town-operating budget has come in with a proposed increase over the preceding year. The most recent reduction in the proposed 2012 town budget came about due to the selectmen’s decision to withdraw a proposed warrant article asking voters to spend up to $105,870 to replace and/or improve the HVAC systems in the town-owned Bartley House (administrative offices), Community Development Building (old firehouse) and the old Town Hall. Instead, by agreement of the majority of selectmen, $12,000 was added to the town’s property maintenance budget. Voting in favor of striking the warrant article and adding the $12,000 to the property maintenance fund were Selectmen Bruce Breton, Kathleen DiFruscia and Phil LoChiatto.
Chairman Ross McLeod voted against the decision. Selectman Roger Hohenberger did not attend the January 9 meeting. The discussion of the heating equipment in the three buildings
revolved on whether or not there is a true need for such extensive ductwork replacement in the Community Development Building. According to statistics presented, the investment would take 80 years to garner a payback for taxpayers.
Selectman Bruce Breton said he felt that the HVAC work should be deferred until 2013. “Now is not the time,” Breton said, referring to the need for further investigation, as well as the poor economy. Breton noted that $13,000 had recently been spent on repairs to the furnace in the Community Development Building. As for the $12,000 added to the property maintenance budget, $6,000 will be used to replace the furnace in the Bartley House. “It’s ready to go,” Town Administrator David Sullivan said of the aging equipment, noting that the current furnace is of a 1980s vintage. $6,000 of the fund increase will be used to institute rezoning in the old Town Hall, in hopes of eliminating “cold spots” in the building. “It’s very hard to do business in there, the way it is now,” Selectman DiFruscia commented.
continued to page 8-Budget
staff photos by Marc Ayotte
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