Salem Community Patriot | March 30, 2012 - 5 More Letters to our Editor continued from page 4
And we all know that the money will be there for Mitt, who must be feeling at least a little chagrined at the fact that he has barely eked out most of his victories so far against Santorum despite outspending him from 7-1 to 10-1 in most of the primary elections. Maybe a little more truthfulness from Fehrnstrom and his other aides, coupled with the continuance of Romney’s own trademark gaffes on the political trail, will make conservative voters in some of the upcoming elections take a closer look at what they might be getting (or not getting) with a prospective Romney presidency.
William F. Klessens - Salem
Planning Board and Conservation Committee Looking for Volunteers Salem Town Government is run by volunteers. While services are
provided by Town employees, for the most part policies and decisions are made by town volunteers. Right now the Town has several “Call for Candidates” posted for some of our boards or committees. Two boards with which I’m involved need new volunteers and may be of interest to some of you – the Salem Conservation Commission and the Salem Planning Board. Applications are on the Town’s Website, and available at the Town Hall. Conservation Commission members and alternates are appointed by the Board of Selectmen. Tere is currently a “Call for Candidates”
for a regular member. Te Conservation Commission does more than sit at a monthly meeting to vote on wetland impact requests. We manage the Town Forest which involves trail maintenance (a love for the outdoors and the physical ability to help with the trails is useful). We also manage the Hawkins Farm Community Gardens, which requires setting individual plot boundaries in the spring and the end-of-season clean up. Right now, the Conservation Commission is actively involved in acquiring a couple of properties for both preservation and flood mitigation. In other words, the Conservation Commission is actively involved
in various pursuits to benefit the people in Salem. Anyone willing to be involved in various conservation projects is encouraged to apply. While regular Planning Board members are normally elected, vacant positions and alternates are appointed by the Planning Board (not the Board of Selectmen). Tere is currently a “Call for Candidates” for a regular member and an alternate member. Te Planning Board responsibilities include ensuring the Town’s Master Plan, Site Plan Regulations, Subdivision Regulations, and Zoning Ordinances are up-to- date and the policies there-in reflect the desires of the majority of Town residents. Tese various plans and regulations guide development within our Town. If you’re interested in helping to review new development projects and update the Town’s Master Plan, ordinances, or regulations, then please submit an application at the Town Hall for one of the open positions.
Linda Harvey - Salem In My Opinion... For most people, being sick is not a desirable experience. When
you are sick, your life is interrupted; you may miss out on work, school, activities, and other events. It is only natural that your first instinct is to find a way to get better in the shortest amount of time, so you make an appointment to meet with your doctor and request to be treated with antibiotics or, if your child is sick, you request that he or she is treated with antibiotics. After all, you have learned that antibiotics can treat almost any illness on the planet, so why not use them to treat your illness? And, even if the antibiotics do not work, what is the harm in trying them out anyway? The truth is, although antibiotics are extremely useful in fighting a broad range of infections, they do have limitations and restrictions. For instance, antibiotics are effective against many different kinds of bacterial infections, such as strep throat and bronchitis, but they are completely ineffective in treating viral infections, such as the common cold or influenza. Out of the 48 million people who become sick every year , there will be close to one billion cases of the common cold and about 5 percent to 20 percent of the population will come down with the flu. Unfortunately, for these people, there is no treatment available except simple symptom relief, such as taking over-the-counter medicines, increasing fluid intake, getting plenty of rest, and/or using a vaporizer or saline spray. Although it might be frustrating to be told that there is no treatment for whatever ‘bug’ you are sick with, it is important that you understand the dangers of the misuse and overuse of antibiotics. When antibiotics are not used properly, they become increasingly ineffective over time due to the existence of antibiotic-resistant
Tim Barchard’s Professional Martial Arts Academy Celebrating 18 years
submitted by Laurie MacInnis, Professional Martial Arts Academy Professional Martial Arts Academy in Windham, in conjunction with our Derry academy, is celebrating 18 years of providing outstanding, nationally recognized, martial arts instruction. In honor of this milestone, Tim Barchard’s Professional Martial Arts Academy will host an anniversary celebration at the Windham academy located at 58 Range Road, from 10 a.m. to 1 p.m. on Saturday, April 7. Free trial classes will be offered; instructors will be on hand to answer your martial arts questions. This celebration is open to the public, all are welcome to attend! Space is limited for the Free Trial Classes. Call 893-7990 today for class times and to reserve your spot!
Consumer Alert Issued for Companies Offering to Sell a Consumer’s Timeshare
submitted by Attorney General Michael A. Delaney Attorney General Michael A. Delaney has announced that his office is issuing a Consumer Alert to consumers who own a timeshare and may be interested in selling it. Attorney General Delaney warns there are companies that send consumers unsolicited letters or postcards in the mail advertising that they can sell a consumer’s timeshare if the consumer no longer wishes to own it. The unsolicited letter or postcard invites the consumer to an event held at a local hotel and subsequently requires the consumer to pay an advanced fee to the company to complete the sale transaction for his or her timeshare. Attorney General Delaney warns that a typical scenario for this type of scam is that after a consumer completes the transaction, he or she is unable to contact the sales representative or the company because either the telephone number is no longer in service; the consumer’s telephone call is not returned; the company’s address is no longer available; or the company’s website is no longer posted on the internet. Consumers who wish to check the track record of a business, obtain information about consumer protection issues, or report consumer complaints, may do so by logging onto the Consumer Protection Bureau’s Website at www.doj.nh.gov/
consumer. They may also call the Consumer Protection hotline at 1-888-468-4454 (toll free).
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Piece of the Pie Maintaining Your
State of NH Returns
utin EA - Total Tax Solutions LLC The State of New Hampshire may not have an income tax return that affects every citizen of the state, but they do have two returns which affect many taxpayers, the DP-10, Interest and Dividends Tax Return, and the DP- 8, Low and Moderate Income Homeowners Property Tax Relief. The DP - 8 is not a tax return, but is a form that can be filed by low to moderate income taxpayers to receive relief from the burden of the additional State Education Property Tax. (Note: The DP-300, Gambling Winnings Tax Return that was born on 7-1 2009 was repealed in 2011, may it rest in peace.) The Form DP – 8 cannot be submitted prior to May 1 and no later than June 30 of each year to the NH Dept. of Revenue Administration. To qualify, you must own a homestead subject to the state education property tax; you must have resided in the homestead on April 1st of the prior year for which the claim for relief is made; your AGI, as submitted on your Federal Income Tax Return, must be less than $20,000 for the single filing status or less than $40,000 for the married and head of household filing status. You are not required to have filed a Federal Return to qualify, but you must calculate what income you did have as it would have appeared on the federal return, had you filed. A good majority of the citizens that do qualify for this relief are not required to file a Federal Return. Taxpayers, who feel like they may qualify for this relief, should seek assistance in completing these forms so that they do not add income, such as Social Security Income, to their calculations and lower the amount to which they are entitled. We are available in May to assist taxpayers in making these calcula- tions and preparing the forms for submission. The DP- 10, Interest and Dividends Tax Return affects taxpayers who
by Amy Landry
My name is Amy Landry. I am a Salem High School graduate from the class of 2009, and I am currently a junior undergraduate student at the University of New Hampshire-Durham, majoring in medical microbiology. My studies include pathogenic microbiology, immunology, biostatistics, genetics, infectious disease and health, and many other biomedical-based courses. I am also involved in extracurricular activities, such as the University Honors Program, the UNH Pre-Dental Society, and the Wildcat Marching Band. Upon graduation from UNH next year, I plan to attend dental school to pursue a career as a dentist.
Why You Should Think Twice About Antibiotics
strains of bacteria. What this means is that an antibiotic may no longer be able to cure a particular infection anymore and may even reach the point where the disease is untreatable. When more and more hard-to-treat illnesses are spread from person to person, there is a major health concern that these antibiotic-resistant infections will more likely lead to serious disability or even death. In order to slow down the progression of antibiotic resistant bacteria, we must all do our part by making smart decisions and taking individual responsibility when it comes to the use of antibiotics. While it may be tempting to go straight away to the doctor’s office to get a prescription the moment you start feeling sick, before running off to the pharmacy with your ‘golden ticket’ in hand, please make sure you have taken all possible treatment options under careful consideration. You should never ignore your symptoms or the fact that you are sick. However, do not falsely presume that the doctor will be able to give you a prescription for any and every ailment that comes your way. The next time you have a runny nose, think twice about relying on antibiotics for treatment because your decision will not only impact your own individual health, but it will ultimately affect the health of the entire community, as well. In My Opinion is strictly an OP-ED column that stands on the opin- ion of one writer, Amy Landry, as opposed to a newspaper reporter who does not provide an opinion but reports the facts. This column, in many instances, is a counterpoint to published stories and does not reflect the unbiased reporting policy of the Salem Community Patriot or the opinion of the management, advertisers and owner- ship of Area News Group.
receive interest and dividends in excess of the exemption amount allowed by state tax law. Each taxpayer receives an exemption of $2400 for the filing status single or head of household, and $4800 for married filing joint. An additional exemption is allowed for taxpayers 65 or older of $1200 and those considered to be legally blind an additional $1200. The tax rate on interest and dividends that exceed the exemptions is 5%. We have found that taxpayers who are required to file this NH Form are usually in a high 25% to 28% tax bracket on their federal return. Not only is the income from these investments being taxed at a high federal rate, but usually are affecting other areas of their federal return causing an additional tax burden. I usually suggest looking into changing the investments to NH municipal bonds, which earnings would be tax free on the federal and state returns. The bond interest rates on the surface are usually lower than other investments but when the tax burden is factored into the equation, they actually result in a higher interest yield. If you find yourself in this predicament, you can use the following formula to determine if a non-taxable municipal bond is equal to the interest from a taxable investment or taxable bond. The formula is: the interest rate paid by the taxable investment, multiplied by (1 minus the taxpayer’s tax bracket percentage) equals the interest paid after tax. Example: Mary is in a 25% tax bracket. She receives 5% interest on her CD investment, which is taxable on her federal return. She would like to know if investing in a municipal bond that offers only 4% interest is to her advantage. Her calculation is .05 (1-.25) = .0375. Her 5% interest after tax is equal to 3.75%. Her investment in a municipal bond at 4% will give her more money and not affect other areas of her federal income tax return. If not taxable on the state as well, additional savings will be realized. This sums up this year’s articles for “Maintaining Your Piece of the Pie”. I hope that they have been informative and that I have achieved my goal of attempting to make the tax code a bit less confusing. I am available year round to answer any tax questions that may arise.
Have a tax question? E-mail firstname.lastname@example.org
About Total Tax Solutions: W.F. Boutin EA registered Total Tax Solutions in
the State of NH as a LLC in the summer of 2006 after 10 years experience working for a major tax preparation company and 8 years of teaching various tax courses. The company mission is to deliver an excellent customer service experience year around, to offer knowledgeable advice so that clients can make informed decisions regarding their financial future, and to provide this service with integrity, confidence and professionalism.
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