Salem Community Patriot | February 3, 2012 - 7


Designing Digitally, Inc. Helps NHHFA Take Financial Freedom Online


submitted by Andrew Hughes Learning the ins and outs of proper money management and building strong credit just got a whole lot easier with the launch of New Hampshire Housing Finance Authority’s FindFinancialFreedom. org Website on January 16. Developed by Designing Digitally, Inc., Find Financial Freedom offers learners the keys to their financial future. The project was funded by a grant from the U.S. Department of the Treasury, Community Development Financial Institutions Fund. The new Website is designed to provide students financial training in a fun, game- like setting as they work on budgeting and developing the skills they need to improve their credit. The website was designed specifically to provide students with not only the educational materials they need, but also with activities and coaching to make learning money management skills enjoyable and rewarding. The site’s administrators will provide users the support they need to get going. They’ll do this by setting up agencies as group managers. These group managers, in turn, will assign students their own coach upon registration to their agency. Coaches will provide the hands-on assistance students need to succeed on


www.FindFinancialFreedom.org and in the real financial world. Coaches will watch student progression and encourage them throughout the entire program. Students will learn such things as:


• How to create a realistic family budget; • Planning for debt reductions while meeting financial savings goals;


• Planning to improve credit scores; • Strategies to safeguard identity and credit The program consists of two main modules, Household Budgeting and Credit Counseling, that together give students the keys to their financial futures. The Household Budgeting module contains numerous lessons that teach students what they need to know to be successful with money management. Lessons include Asset Building, IDAs, EITCs, Communication, Goal Setting, Expense Tracking, True Cost of Credit, Consumer Debt, Savings and Spending.


In the Credit Counseling module, students will learn a variety of other skills that will help them build and protect their credit. Lessons include Credit Reports, Contacting your Creditors, Understanding and Improving Credit Scores and Identity Theft. Students enrolled in the program will take a pre- and post-assessment to gauge their financial knowledge and will receive a


certificate for successful completion. Website Makes Learning About Finances Fun The game concept used in


FindFinancialFreedom.org makes sure students remain engaged throughout all 12 lessons.


Students will work through a mock scenario of trying to pay off debt and purchase the house and car of their dreams by the end of the program. They will gain money for viewing each topic and they can earn bonus cash for answering preliminary topic questions and review questions correctly.


Once a house and car are purchased, students can enhance their virtual homes and yards by using a 3D simulation. This simulation lets students customize their homes by adding a garage, changing colors, upgrading the yard and more. To help students succeed, the website also includes a number of tools such as an expense tracker, discussion board, periodic savings calculators and more. For more information about Designing Digitally, Inc.’s project development visit http://bit.ly/z7jzgI. For more information about the Find Financial Freedom program, visit FindFinancialFreedom.org.


Community Affairs Officer Visited The Boys and Girls Club


submitted by Denise Dolloff, Boys and Girls Club of Salem Recently, Matthew Norcross, the Community Affairs Officer of the Salem Police Department, paid a visit to the Boys and Girls Club of Salem as part of the Club’s Community Helper’s Unit in the Pre- School Program. Children from AM Enrichment, AM Multi-Age and Pre-K learned about how Officer Norcross works to make our community safe. They discussed being lost, speeding cars and seat belts. The children had some very good questions and learned quite a bit from Officer Norcross. The Club is currently taking registrations for Preschool 2012- 2013 as well as our Summer Camp for all ages and Summer Playgroups for ages 3 to 4. For more information, contact Maria at 898-7709, ext. 16.


Outdoors Charlie Chalk with


Bid Farewell to the Paper Duck Stamp


Farewell to the paper Duck Stamp, those collectable bits of our national heritage. The U.S. House of Representatives is passed HR 3117, the Permanent Electronic Duck Stamp Act of 2011. The bill’s official definition is: “To grant the Secretary of the Interior permanent authority to authorize States to issue electronic duck stamps, and for other purposes.” The Congressional Sportsmen’s Foundation has been supportive of this legislation, as it would make it easier for hunters to obtain a stamp and thereby fund conservation. A member of the Migratory Bird Conservation Commission and avid waterfowl hunter, said, “This is a small issue for many in our country, but a great step forward for the continued conservation of waterfowl, and sportsmen across the country.”


Charlie Chalk can be reached at outdoorswithcharlie@areanewsgroup.com


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Level 6 girls from left: Mackenzie Svenson (Salem), Olivia Faro (Windham), Jordan Wakim (Salem), Elizabeth Aldrich (Salem), Morgan Suech, Tristan Witkowski, Kacie Blanchet (Salem), and Scarlett Souter (Windham).


submitted by Cathy Robertson-Souter By earning a total all-around score of 33.0 or higher at the Winter


Carnival meet over the weekend of January 7-8, several local gymnasts from Phantom Gymnastics in Hampstead have taken one more step in the journey towards the New Hampshire state gymnastics meet. With high scores on a number of events, the girls are seeing their hours of practice in the gym begin to pay off. In the overall team awards, the Level 5 team took home the coveted first place banner after some very strong showings, including one score over a 37.0! The Level 6 team, took second place in the team competition.


Some of the individual highlights for girls from Windham, Pelham, and Salem include: Level 5: Each of these girls will go on to the state competition. Kasey Hartmann of Salem took first place on beam with a 9.35, third on vault and bars, fourth on floor and second in the all-around with a score of 36.6. Emily Jones of Salem took first on bars with a 9.475, fourth on beam and fifth in the all-around with a 35.625. Sydney Chretien of Salem coming back from an injury, placed second on beam with a 9.35 and third on bars with a 9.15. Level 6: Each of these girls will go on to the state competition. Scarlett Souter of Windham took first place on floor with a 9.05, second on vault with a 9.1, fourth on bars and came in third in the all-around for her age division. MacKenzie Svenson of Salem took fourth place in the all-around for her age group with a score of 34.75. Olivia Faro of Windham took fourth place on floor with a 9.1 and won fifth place in the all-around with a score of 34.625. Elizabeth Aldrich of Salem took third on floor, fourth on bars, and third in the all-around for her age division. Jordan Wakim of Salem took second place on floor with a score of 8.975. Kacie Blanchet of Salem earned a spot in the State championship with a total score of 33.35.


3.042%


*Rates are based on owner occupied property and are subject to change without notice. Rate is based on 0 points, $9.66 monthly P & I per $1,000. The monthly P & I per $1,000 are based on the rate and term indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance (PMI) is


978-372-7731


978-372-7731


Haverhill, MA 978-372-7731


*Rates are based on owner occupied property and are subject to change without notice. Rate is based on 0 points, $9.66 monthly P & I per $1,000. The monthly P & I per $1,000 are based on the rate and term indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance (PMI) is required on all loans with LTV’s greater than 80%. If an escrow account is required or requested, the actual monthly payment will also include amounts of real estate taxes and/or PMI, if applicable. The maximum loan limits are as follows: Single Family-$417,000; Two Family-$533,850; Three Family-$645,300; and Four Family-$801,950. Additional rates for loans that exceed the loan limits are available upon request. Call to speak to a Loan Offi cer. All loans are subject to the Bank’s credit standards. The APR is based on a loan of $180,000; please call for a personalized quote.


re*Rates are based on owner occupied property and are subject to change without notice. Rate is based apn 0 points, $9.66 monthly P & I per $1,000. The monthly P & I per $1,000 are based on the rate a d Three Family-$645,300; and Four Family-$801,950. Additional rates for loans that exceed the loan limits are available upon request. Call to speak t dit s andards.


quested, the actual monthly payment will also include amounts of real estate taxes and/or PMI, if oterm indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance erm indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance


applicable. The maximum loan limits are as follows: Single Family-$417,000; Two Family-$533,850; t (PMI) is required on all loans with LTV’s greater than 80%.


Holding the banner, Level 5 girls, from left to right: Emily Jones (Salem),


Brianna Paleno, Kasey Hartman (Salem), Katelyn Cadotte, Sydney Chretian (Salem), Annika Pinyochan, Bella Bouchard, Amilia Johnston, Elise Stahl, Keira Moon, Sophia Viger, and Suzie Moore.


crequested, the actual monthly payment will also include amounts of real estate taxes pplicable.


Member FDIC Member DIF


The maximum loan limits are as follows: Single Family-$417,000; Two Family-$533,850; a Three Family-$645,300; and Four Family-$801,950. Additional rates for loans that exceed the loan Three Family-$645,300; and Four Family-$801,950. Additional rates for loans that exceed the loan The APR is based on a loan of $180,000; please call The APR is based on a loan of $180,000; please call


(PMI) is required on all loans with LTV’s greater than 80%. L Officer. Af aln escrow account r applicable.


limits are


limits are available upon request. Call t credit standards.


Member FDIC Member DIF


Member FDIC Member DIF


Member FDIC Member DIF


The maximum loan limits are as follows: Single F mily-$417,000; Two Family-$533,850; limits are available upon request. Call to speak to a Loan Officer. All loans are subject to the Bank’s credit standards.


credit standards.


vailable upon request. Call to speak to a Lo The APR i


based on a loan of $180,000; please call


speak to a Loan Officer. All lo ns a e subject to the Bank’s for a personalized quote.


for a personalized quote. The APR is based on a loan of $180,000; please cal


oan Officer. All loans are subjec is required or for a personalized quote.


loans are subject to th te Bank’s nd/or PMI, if


on 0 points, $9.66 monthly P & I per $1,000. The monthly P & I per $1,000 are based on the rate and plicable.


(PMI) is required on all loans with LTV’s greater than 80%. reques ed, the actual monthl


uir loans with LTV’s greater than 80%. f an escrow account


978-372-7731





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603-329-7333


Hampstead, NH 603-329-7333


603-329-7333 603-329-7333


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The maximum loan limits are as follows: Single Family-$417,000; Two Family-$533,850; If an escrow account


for a personalized quote.


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Salem, NH 603-893-3588


603-893-3588 603-893-3588


603-893-3588 603-893-3588


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10 Year Owner O cupied 10 Year Owner Occupied


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Purchase or Refinance at APR*


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Purchase or Refinance at APR*


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Purchase or Refinance at APR*


603-329-7333


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Home!


Home!


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