The Bow Times “Of the People, By the People, For the People”

BOW, NH VOL 23, NO. 8 August 2016 FREE

COMCAST BOW ROTARY AWARDS JON RUGGLES THE TOWN WORKER CONTRACT CLUB SERVICE AWARD SAFETY COMMITTEE ANNUAL REPORTS By Donna Deos FINALLY REVIVED To ensure a safe workplace ARE MISSING for town employees, state law requires that employer and em- The town entered into a con- ployee representatives serve on a tract for the cable television fran- joint loss management committee. chise in the Town of Bow on July RSA 281-A:64’s safety provisions 1, 2011. That contract has now ex- call on the committee to carry out pired and the Town Manager is ne- workplace safety programs and gotiating with Comcast as to wheth- meet four times a year according er the contract should or would be to section 130-4 of the town ordi- renewed and, if so, on what terms. nances. The committee met twice Revenue from the contract is avail- in 2014 to discuss panic buttons, able with up to 5% of the franchise fire drills, and a facility emergency gross receipts from Bow with cer- action plan among other things. tain adjustments. Whether or not No meetings were held in the this makes sense depends on what two year period from June 2014 to has been happening in Bow with June of 2016. Why the eight meet- the old contract. ings for the two year period were The 47-page contract contains not conducted is unknown. in Exhibit E an annual report that The state Department of Labor is to be filed with the town. That visited the town recently because report by Comcast would include the town safety program was last customer service statistics such as updated in 2013. The law requires the number of reports of system updates every two years. Changes outages and the response time for to the plan were approved at the such outages. July 6 meeting of the Joint Loss The annual report also requires Management Committee. Comcast to produce a summary of PHOTO BY ERIC ANDERSON written complaints and a descrip- tion of the resolution of those com- The Bow Rotary Club proudly perfect attendance from day one! SELECTMEN SUSPEND plaints. awarded the 2016 Club Service That’s 36 years. That alone is some- After meeting with Manager Award to Jon Ruggles of R&T thing to be very proud of, but is not RENAMING/ Stack the Bow Times requested Electric. This award is given to a why he was awarded the Club Ser- RENUMBERING copies of those last five years of Rotarian who has demonstrated, vice Award. It’s not because of 36 reports but Mr. Stack responded through action, a commitment to years of exemplary service to our ORDINANCE on August 2 that there have been the goals and ideals of Rotary. Ro- community and our club. But rath- no such filings and he will now at- tary International has a motto of er, it is because there isn’t a com- The 2013 ordinance that tempt to obtain them. Section 9.13 “Service Above Self” and the Bow mittee that he hasn’t touched in required massive renaming and of the Comcast contract with Bow Club’s own motto is “We Help his time in the club. There isn’t an renumbering of streets in Bow has says that Comcast would meet an- Others.” Jon exemplifies both. event we have held that he hasn’t been suspended. New Selectmen nually with the Board of Selectmen This award is given to that per- been instrumental in making come Chris Nicolopolous made the if they so requested it and that the son who always says “yes” when alive. To tell you a bit about this motion to suspend which was company would submit the annual asked to serve, and frequently steps I would like to draw your atten- seconded by Eric Anderson. The report on the anniversary dates of forward without being asked. Jon tion to the fact that our Gazebo in 5-0 vote follows a town meeting the contract. Ruggles is a man who never says Bow has power. Summer concerts vote in March to change the None of that has happened to no, for the auction committee, are held there (which are going on selectmen’s ordinance. date. helping with Christmas trees, the now weekly on Sundays at 6pm). The decision is to have the car show or any other club activity Our Annual Auction is held in the town manager and Bryan Westover – he always seems ready to help. Community Building and thanks of the Building Department, redraft He has been a member of the club the 2013 ordinance to eliminate the since January of 1980 and has had Ruggles cont. on p. 8 automatic renumbering requirement ELECTION DATES if a building permit is pulled on a street. Currently the nine streets The State Primary will be held on the renumbering list are: One on Tuesday, September 13th at Stack Drive, Beaver Brook Drive, Bow Memorial School, 20 Bow Chelsea Drive, Dunbarton Center Center Road. Polls will be open Road, Crescent Drive, Tallwood Drive, Thibeault Drive, and South from 7:00 a.m. to 7:00 p.m. Bow Road. The last day to register to vote before the Primary Election is September 6, 2016; however, BOW ROTARY SUMMER you can register to vote at the CONCERT SERIES HUGE polls. The last day to get an SUCCESS AT THE GAZEBO (LEFT) absentee ballot in person is September 9, 2016. PHOTO BY ERIC ANDERSON

MONTHLY BOW TIMES IS DELIVERED TO 3,000 RESIDENTS AND BUSINESSES - FREE THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 2 LOW TAXES EDITORIALS SELECTMEN NEED TO ADOPT A BUILDING IS STACK DROPPING ARE THE PERMIT FEE WAIVER POLICY THE BALL? In just two stories in this is- Accountability in government is not only necessary, but logical in a sue of the paper we learn that the RESULT democracy where the voters are supposed to be in charge. Worker’s Safety Committee did not At page 151 of the 2014 Town Report our auditors, Roberts & Greene, meet for two years despite town LLC, of Concord criticized the town’s financial management saying: regulations requiring four meetings OF LOW “In reviewing and reconciling revenue for building permits, we noted a year. We also learned that the there is no formal policy on when permit fees may be waived. We recom- annual filing for Comcast has not mend that no Town fees be waived without the written authorization of been done for the last five years and SPENDING the Town Manager or the Board of Selectmen, and we further recommend the contract is now up for renewal. that the Board adopt such a policy and ensure that all Town employees How can the selectmen and the are made aware of it.” manager vote on a contract unless The Bow Times When this paper asked the Town Manager if a policy had been ad- they know what the performance opted since then the only response was to send us an email from then- has been for the last five years? It Publisher – The Bow Times, LLC Finance Director Bob Blanchette dated December 22, 2014 that said: may well be stellar but no one will Editor – Chuck Douglas 224-1988 “Any potential permit fees that are waived will need written authori- know what the volume of outages Co-Editor - Debra Douglas zation by the Town Manager or Board of Selectmen.” or customer complaints were if the 496-0265 Was that the “policy”? When I called Bob Blanchette to ask him why manager is asleep at the switch and Sales Manager – Gary Nylen he sent that email to a number of town officials, his response was that he not obtaining that information in a 496- 5239 “sent the email out as a head’s up, but Dave Stack as the Town Manager timely manner. It is not up to this [email protected] was to draft a policy. In two years he has never done so.” newspaper to get him to do his job Technical Editor – Denise Ehmling It is time for the Manager to prepare and send to the Selectmen a – that is the job of the Selectmen. 724-7853 policy on such waivers so that waivers are not made on a random or ad It looks like it’s time for a review [email protected] hoc basis. of his performance to determine Whim and friendships should not be the standard. That is why poli- whether or not he is on top of the cies are written. Travel Talk Editor - Chase Binder duties that he is suppose to be per- After two years it is long overdue. Food Editor - Debra Barnes forming. Wine Editor - Nicole Habif Contributing Writers – Joyce Kim- A WALK OR A SHOVE? ball, Faye Johnson and Donna Deos “A key part of the agreement Photographs - Eric Anderson was that Bill Klubben agreed that Printer – Seacoast Media Group he will “not be able to sue the Town for causes arising out of his Mailing address for news or employment relationship.” notices: 40 Stone Sled Lane, Bow Email: [email protected] So once again readers, have you ever seen a retirement that includes DEADLINES: 1st of the month; a waiver of suing the Town of classifieds must be prepaid -- Bow? What were the causes to sue cash, check or pay online at www. that arose out of his employment thebowtimes.com anyway?

ADVERTISEMENT ERRORS: We The Personnel Plan for Bow will be responsible for errors in ad- was adopted by vote of the Board vertisements only to the extent of of Selectmen on July 12, 2011. The correcting the same in the next issue first sentence says that “the purpose using space equal to the items in er- of this plan is to establish uniform ror. administrative practices for all employees of the Town of Bow.” LETTERS POLICY: We will print letters to the editor on a space avail- Section 136-2 says that the able basis. Letters should be no more manager is responsible for the than 200 words, typed or e-mailed. overall administration of the plan Letters must be signed with an ad- but the Board of Selectmen shall dress. “establish the policies that comprise the plan.” PHOTO SUBMISSIONS: We en- courage individuals and groups to Nowhere in the 28 page submit photos of their events or ac- document is there a provision that tivities, by email or call the Technical the Manager can change benefit Editor. So did Bill Klubben decide. levels for a particular employee. retire on his own or was he CORRECTIONS POLICY: We On July 19th Manager Dave We can only assume that if pushed? Stack emailed this paper to explain strive to present accurate news re- the Manager deviated from the the tens of thousands of dollars paid ports. We will correct factual inaccu- The official line was set forth Personnel Policy of the town the in vacation and sick leave over and racies in our coverage. We encour- above as a retirement. Board must have approved it. age readers to tell us if we have made above the 40 hours set forth in the personnel policy of the Town. His a mistake. But this paper’s right to When? Why? response said that: know law request produced a Postal Information: Bulk rate post- “Separation Agreement” that said “The Town has the right age paid at Portsmouth, N.H. Post- “that it is in their mutual interests Chuck Douglas to negotiate terms other than that the Employee’s employment master. Send address changes to the what’s in the personnel plan if relationship with [the] Town be Bow Times Permit #130. circumstances warrant it. In concluded with a termination date For a free press, this case, the severance package of August 14.” A proud member of the New satisfied both parties.” Je suis Charlie Hampshire Press Association Does that sound like a voluntary retirement on August 14? You THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 3 To the Editor:

I’ve been hearing a lot about the Senate race in our state this year. There are so many negative ads that it’s hard to know what’s true about each candidate. Letter to the Editor When I went to find out how each candidate felt about the As a Bow resident, I am issues, I could hardly tell what disappointed to learn about the Maggie Hassan stood for. She recent termination of some of the seems to like to say that she’s Town employees. for everything good and against I understand about “em- everything bad, but where are ployment at will,” however, that her policy prescriptions? It seems shouldn’t give someone the right like when she does take positions, to pull another’s livelihood right they’re just copying what national out from underneath them without Democrats believe. I guess there’s warning or reason. What about the not really any difference between human factor? Behind every posi- Governor Hassan and the rest of tion is a person with a family. the Washington Democratic elite I also find it concerning that who are out of touch with what’s employees are not getting evalu- facing us here in . ated and I wonder why? Does our Also, it’s hard to know what’s Town Manager not have the time going on in your home state when in his $102,000 position to point you’re constantly traveling to out employee strengths, as well fundraise and rub elbows with as areas that may need improve- Hillary Clinton. I could not believe ment? Or is it simply a matter of that Governor Hassan had been out convenience so that he can fire on of state for more than 50 days this a whim? Is anyone evaluating the year already, but I guess she is just Town Manager, or is this Concord another politician who wants my resident allowed to do whatever he vote without having any real policy wants in Bow including suddenly solutions to share, nor any plans firing “at will”? for what she will do if elected. BOW RESIDENT Sam Selleck, Bow NAME WITHHELD BY EDITOR WHAT ABOUT A FIRE HOUSE GRILL? Bow golfers help raise funds for Greater Concord Chamber of Commerce

When the committee to study Coral, Florida. www.fordsgarage. Bow golfers help raise funds for Greater Concord Chamber of how to revamp the Community com. Commerce to support the Capital Area Student Leadership Program at Building after the fire department A fire department theme for the Beaver Meadow Golf Course on August 3. leaves starts its work, some suggest Fire House Grill could include a leasing the Northwest corner to a three alarm chili and Bow Burgers. restaurant. Tucker’s has restaurants in Bow does not have a restaurant Hooksett, Concord and New in the area of the Community Build- London. Might they be interested? ing. What about Bow’s Doug Dow Could a lunch/dinner upscale, whose very successful CC Tomatoes but casual, dining experience work in Penacook has a great menu? there? If it had take out and a brick Plans should be flexible enough oven style restaurant with a full bar for a private public-partnership for the demand is here. a lease to a good restaurateur in part The three doors to the fire house of the building. could be raised in good weather, much like the very successful It is time to think outside of the Ford’s Garage Restaurant in Cape box and be creative Bow.

Pictured left to right are Chuck Douglas, Dominic Lucente, Select- men Chris Nicolopoulos and Ben Kiniry.

Photo by Mike St. Germain THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 4 Stock Market Got You Down?

At The Abbott Bennett Group, we understand that retirees face many important decisions that can affect their long-term financial success; some of which revolve around making decisions that will help create a hedge against outliving their income, impact of inflation, taxation, and rising healthcare costs. Because over 90% of our clients are retirees with similar concerns, we are in an advantageous position to approach such challenges with experience and skill. Annuities • Retirement • Insurance • Trust Planning Protected Growth Strategies • Superior Fixed Interest Rates 5-Year Fixed Rate Interest, 2.85%! GUARANTEED LIFETIME INCOME, NEVER TO BE OUTLIVED!

Call for a FREE AbbottBennett CONSULTATION MICHAEL D. ABBOTT • CHRISTOPHER M. BENNETT or to attend one 3 Convenient Locations: of our dinner Concord, NH • Bedford, NH • W. Stewartstown, NH workshops! 603-224-6969 Support your LOCAL AffiliAtions: Financial Professionals!

Greater Concord Chamber of Commerce Greater Manchester Chamber of Commerce Chamber of the North Country

Visit us online: www.TheAbbottBennettGroup.com THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 5 PLEASE TELL OUR ADVERTISERS YOU SAW THEIR AD IN THE BOW TIMES

ECONOMIC DEVELOPMENT

Compass currently serves over a Compass hundred clients from three states. Innovative Behavior In an interview, Dan indicated that Bow was chosen for the com- Strategies Moving pany’s headquarters “by design.” It is centrally located and very con- Headquarters From venient for their clients. The fact that Ally grew up in Bow may have Bedford, NH To Bow also influenced their decision. Mrs. Dube raised a son with autism and Earlier this summer a fast- she knows how difficult it can be to growing startup relocated its head- find appropriate care that is afford- quarters from Bedford, NH to Bow able and accessible. The wait list is Technologies Center on Robinson often twelve to eighteen months for Road. Compass Innovative Behav- agencies offering similar services, ior Strategies was established in but Compass Behavior’s ability to November 2014 by Ally and Dan grow quickly has allowed it to pro- Dube. The agency’s mission is to vide services with no wait list. Mr. provide personalized behavior ther- & Mrs. Dube are both committed apy for children and adults with au- to removing barriers here in New tism and other developmental dis- Hampshire for those needing ser- abilities. Ally is a Bow native and vices for autism and other devel- a Board Certified Behavior Analyst opmental disabilities. Welcome to (BCBA). Dan is a seasoned entre- Bow! preneur who has started a number of companies in the tech industry. Shortly after starting the company, TOM O’DONOVAN APPOINTED TO two new partners joined, Don and Keller Industries to Kathy Farland; their expertise in of- DRINKING WATER COMMISSION fice management has been essential Expand in Bow for the company’s growth. Tom O’Donovan of Bow was sworn in on July 19 as a new member of On July 19 Gary York and The services provided are based the Bow Drinking Water Commission. Mr. O’Donovan is a veteran of 28 Bob Keller met with the Board of on an Applied Behavior Analysis years in the U.S. Army with tours in Bosnia and Afghanistan and many Selectmen to discuss expansions of (ABA) approach, which has proven other overseas and US assignments. Structures Unlimited and Kalwal. to be very effective in treating au- The genesis of the companies was tism. Compass is one of the only He just completed five years in the Northwest with the Department of En- 1968 when their first facility in Bow agencies in the State that provides ergy working many areas including environmental and reliability issues. was opened. They now employ 600 home-based ABA therapy and also Tom and his wife Denise are avid cyclists. people with 100 being from Bow. accepts Medicaid as an in-network The two Keller Industries intend provider. This has placed the com- to employ a second shift and have pany’s services in high demand. other expansion plans that require In fact the company outgrew its hooking up to the water system VOLUNTEER OPPORTUNITIES offices in Bedford in less than six along the Route 3-A development months and is now already consid- There are currently openings on the Conservation Commission and the corridor. ering leasing additional space at its Bob Keller said that he looks Bow Recycling and Solid Waste Committee. The Conservation Commis- current location here in Bow. The forward to a working sewer system sion meets the third Monday of the month at 7:30 p.m. and the Recycling company got its start with four em- in that corridor so he plans to and Solid Waste Committee meets the first Tuesday of each month at 7:30 ployees, including Ally and Dan; it construct for it now. Gary York p.m. now has over sixty employees and explained that more users on the is projected to have a hundred by town water system in that area will Volunteer applications are available at the Town Manager’s office and at the end of the year. It has a second help stabilize pressure and make the www.bow-nh.gov. office in Laconia and will be open- system operate more efficiently. ing a third in Berlin in October. THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 6 WHAT IS MEDICAID? By BEN KINIRY, ESQ. Last month you read about community property laws or the Guardianships and Conservator- nature of the ownership of the as- ships, which may become neces- set. sary if a loved one’s health begins to decline and they are unable to • Assets of married couples, Elder Law take care of their daily needs. Un- however, receive special treatment Estate Planning der a Guardianship you are able to so that the spouse who remains aid your loved one with managing living at home will not be unduly Probate Law their money and making decisions impoverished. Such a commu- Veterans Pension regarding their healthcare. nity spouse is permitted to keep Special Needs Trust/ Now we look forward to that one-half of all of the available as- same loved one’s health declining sets (up to a federally-established Disability Planning to the point of needed care either in maximum) and is allowed to keep Conservatorships/ the home or the community. As you a minimal amount of income of the are no doubt aware, paying for nurs- has Medicare coverage may also couple in order to provide for sup- Guardianships ing care is a rather expensive under- qualify for Medicaid benefits. port expenses at home. Asset Protection/ taking. What happens when your Medicaid Planning loved one does not have the income • In addition, there are certain or principal to pay for their needed What You Need to resources that are considered non- Retirement Account nursing care? Know countable for eligibility purposes; “Stretch” Trust The Medicaid program is the Medicaid is considered to be these include the family residence, answer for many families. What one of the most complex laws of the household contents, a vehicle, a Providing Peace of Mind is Medicaid? The following para- and, further compli- prepaid burial fund and other nec- One Family at a Time! graphs explain what you should cating matters, each state has a dif- essary items. know about the Medicaid program ferent version of Medicaid. Many 9 Van Ger Drive as a starting point. The following Elder Law attorneys have carefully • It is important to be aware of Bow, NH 03304 paragraphs were taken from a writ- studied the Medicaid statutes and the state specific eligibility provi- Tel: (888)471-2903 ing by the National Academy of regulations and are able to assist sions and exemptions so that as- Elder Law Attorneys, Inc. (NAE- clients. sets will not be unnecessarily spent www.kinirylawfirm.com LA). Medicaid is often of impor- down before applying for Medic- tance to middle-income Americans aid. “The Issue" because Medicare does not cover Medicaid is a joint federal and the costs of long-term care for ill- • Finally, it is important to state program that provides payment nesses such as Alzheimer’s disease know that there are appeals pro- for medical care for persons unable or paralysis caused by a stroke. cesses built into the Medicaid to afford to pay. Medicaid covers Most people who need such care system. If you are unhappy with physicians’ services, hospital care, for extended periods will eventually eligibility determinations, care de- supplies and other necessary ser- deplete their assets and become un- cisions or placements made under vices once a person has been made able to pay the costs of their care. Medicaid, there is a process for an eligible for the program. It also pays At such a time Medicaid is administrative hearing and even for the expenses of longterm care in available to pay the difference be- court proceedings to enforce your a nursing home. tween their income and the actual rights. The Medicaid program is ad- costs of care provided in a nursing ministered independently in each home, including room and board, Where to Go For state. While the basic eligibility as well as physicians’ care, hos- Help standards are the same throughout pital care and all other reasonable There are books published con- White Rock Senior Living the United States, there are signifi- necessary medical expenses. Med- cerning the Medicaid program and cant differences between the state icaid covers the costs of such care its rules and you should check your Community Medicaid programs. Despite these in nursing homes, adult care homes, library or bookstore for current differences, eligibility is generally hospices, and, in appropriate cases, titles. The internet can be another All are Welcome based upon the amount of assets a in the individual’s own home. source of Medicaid information. person has along with the income If faced with the possibility of Keep in mind that the Medicaid that the person receives. Eligibility such long-term care expenses, there “Happy Hookers” laws and rules vary between states is determined at state Medicaid of- are certain rules that you should be and are constantly changing so Knitting Club fices and, in the case of married in- aware of: make certain that whatever you dividuals; the assets and income of read is state specific and up to date. Meets on Tuesdays both spouses are considered in the • In determining eligibility for There have been major changes determination process. Medicaid payment for long-term in the Medicaid program during At 9:00 AM It is important to distinguish care expenses, the eligibility team the last few years. Family support At White Rock between Medicare and Medicaid. will review the individual’s actual groups and organizations such as Medicare is an insurance program need for care, the person’s available the Alzheimer’s Association and All are Welcome providing payment for medical resources (including life insurance AARP provide assistance and of- needs for persons 65 and over and and retirement plans) and income ten have literature available. Local Tuesday—Friday Evening for certain people with disabilities. received from any source. In some Area Agencies on Aging (pursuant *Come Join Us For Dinner* All persons 65 and over, regardless states, if monthly income exceeds to the Older Americans Act) also of financial resources or income, a certain amount, then the individ- have comprehensive advice and lit- Public Invited are eligible for Medicare. Medicare ual is ineligible for Medicaid, even erature available concerning Med- Minimal Cost $7.50 and Medicare supplemental insur- though the individual’s long– term icaid. The state Medicaid Eligibil- ance, however, provide very limited care expenses exceed his or her in- ity Office may be a good source of Reservation Required coverage with regard to the cost of come. basic information about the pro- Please Call long-term care in nursing homes. gram, its services and the require- Elizabeth’s Kitchen These non-covered services must • In determining eligibility, a ments for eligibility.” be paid privately by the individual, person will be disqualified from At 848-2949 unless the individual has coverage Medicaid for gifts made within the National Academy of Elder under a long-term care insurance previous few years. For Reservations Law Attorneys, Inc.: Guardian- policy. Medicaid, on the other hand, ship & Conservatorship (2008) Room Rentals Available pays for medical needs for those of • In determining eligibility for (NAELA).The information provid- any age that have been determined one spouse, the assets and income ed in this article does not constitute For Your Parties or Functions to be eligible. In fact, a person with for both spouses are considered, re- legal advice. limited income and resources who gardless of premarital agreements, THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 7 are you getting fitt? By Jim Olson Using some basic fitness body quickly adapts to cardio based sion for optimal fat loss. Re- workouts. The more you do the same member, more is not necessar- principles can get you routine, the more efficient your ily better. greater results without body becomes, causing you to burn the monotony. fewer calories from your fat stores • Type refers to the activity used each time you exercise. Most people to create a stimulus. Example, One of the great things about make their cardio sessions longer treadmill, stair master, fitness summer is the beautiful weather which increases the likelihood that boxing, etc... Any activity that for outside training. One of the your body is breaking down muscle continuously uses larger muscle more popular questions that many rather than fat. groups and is repetitive is best. of my athletes and my personal The most effective cardio So in closing, fall back into training clients ask me about is how programs are designed around to decrease body fat to not only fitness and let’s all make it our the FITT Principles: Frequency, happiest and healthiest fall ever! increase their appearance and self Intensity, Time, and Type. esteem, but also to increase their Keep lean and tight now because athletic performance. • Frequency refers to the not only will you be healthier, your Anyone who has a family number of times cardio is per- performance will increase as well. history of body fat related disease formed each week. No less than Jim Olson Call this week to schedule your or illness really needs to be mindful three days per week with no free consultation and workout with of their diet and exercise program. it does not always like to lose body more than two days between me. Thirty days from now you will Weight training is the best way to fat. As a matter of fact, your body workouts is ideal. be happy that you did. Have a great increase your metabolism due to will try to hold onto as much fat as day and be extra good to your body • the fact that the more muscle that possible for survival purposes. Intensity is described as the today. your body has, the higher your Your body would rather speed and/or the workload of metabolism will be. sacrifice muscle (which is protein the workout. It is important to Diet is easily the most important = 4 calories per gram) than burn fat continually monitor the intensi- Committed to part of the body transformation (fat = 9 calories per gram) due to the ty level of the workout to ensure process. Diet has proven to be 60%- fact that your body does not know that you reach your fitness goals your Performance 70% of the process of changing when it will be fed again (which in the least amount of time. your body, not to mention anything is the primary reason that we are about your health related concerns. supposed to eat small meals every • Time is the length of time Jim Olson But how about cardiovascular 3 hours). an exercise is performed, not exercise (aka cardio)? How much? When doing cardio, you must including a warm up or cool Individual Fitness How often? How long? What is the be sure that you are doing “smart down. It is recommended to do most effective? The human body is cardio” due to the fact that your no less than 20 minutes and no a very tricky thing sometimes and more than 60 minutes per ses- THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 8 FITNESS FROM P. 7 and gym-time, Tip-Tap-Toe and Public Safety Rising Star Dance Classes, Fitness THE BOW COMMUNITY MEN’S CLUB Building Project Programs for all ages and abilities 2015 ANNUAL REPORT – (PART II) that include, Zumba, Yoga, Boot Update Camp, 50+ Fitness Mindful Medi- By Charlie Griswold You can watch a video, taken tation & Body Blast! Tennis les- by a drone flying over the building sons are back, along with Girls on A new venture in 2015 was ment. It would appear that our pri- site. Just visit www.bow-nh.gov The Run, Archery, Dog Obedience, the hosting of the Anniversary Pic- mary activities seem to involve food and click on the construction photo. Volleyball and Basketball. Stop by nic for all of the staff and crews of of some kind, but it does help us to The official project groundbreaking and pick up a brochure or check it the Exel liquor warehouse cooked raise cash to support other projects ceremony was held on Thursday, out on www.bow-nh.gov. Registra- and served at their new facility on and causes which require our at- August 4th. Work on the project is tion is open now! Rte.3A. Three of our new members tention. The last such meal was a moving right along. The major site are employees of Exel. We once prime rib dinner for the firemen’s work has almost been completed again teamed up with the Heritage annual Christmas Party. Some of and the sewer connection has been Police Department Commission to do coffee and do- us got to wear our new chefs’ tunics installed. The contractor will soon nuts at the old schoolhouse, lunch furnished by Matt Bailey and Saint Points To Know when Con- at the old town hall, and beverages Paul’s School. be pouring the concrete footings tacting the Police Department: and the slab. for the organ recital at the Bow Bog The club continues to support Meeting House. Heritage Day has Scout Troop75, Pack 75 and Deputy Fire Chief Mitchell Address Harrington is working with vendors become a popular event with the Venture Crew 75 with their projects; 12 Robinson Road, Bow, NH townspeople. The members of the right now they are considering a on the phone and computer sys- 03304 tems for the new building and Po- commission deserve a great big permanent campsite with assistance Administrative Line shout out for organizing this out- from the club. We also continue lice Chief Erin Commerford, Fire 603-228-1240/Fax 603-226-0934 Chief Dana Abbott and Emergency standing event. We were asked to support the food pantry and to cook a lunch to supplement pot McKenna House homeless shelter Management Director Lee Kimball Administrative Hours* are finalizing the communications luck items for the Young at Heart with both gifts of money and food. Monday – Friday, 7:00 a.m. to 7:00 group. Tom Francis and Dik Daga- Sadly, long time member and security system plans with ven- p.m. dors. DPW Director Tim Sweeney varian cooked the meat entrées and George Tasker passed away on we served over 80 people and noth- December 16th. Several members is working with Unitil and Fairpoint *Most calls made to the ad- to relocate the power lines away ing got cold! About 100 people of the club were able to attend the ministrative phone line, commu- showed up for our annual Lobster beautiful service at the NH Veterans from the driveway entrance and nications sent, and visits made to provide power to the new building. Fest and chicken barbecue. Cemetery. His cheerful smile and the Department during these hours, This year we also served about wry sense of humor will be sorely The NH Municipal Bond Bank will be received by a person. All finalized the repayment schedule 500 cotton candy cones at the an- missed. Departmental e-mail may be sent to nual Halloween party at the high We are looking forward to an- for the bond that was sold to finance [email protected]. the project. The Town will save school. Thanks to Cheryl Stack, other productive year in 2016 and Bill Kuch, Mike Wayne, Dave urge any guy of any age who enjoys $918,951 over the life of the bond There is a newly installed due to the 2.16% interest rate that Stack and crew. All of us got really camaraderie and community service locked mailbox in the front foyer of involved in the production and left to check us out. If you need addi- was received. Significant savings the Police Department. It is video have been realized due to the rate the hall in various shades of pink tional information please visit our monitored and is available 24 hours and purple. A similar number of web site at www.bownensclub.org being 1% lower than had been es- a day for paperwork drop off. timated and by the Board of Select- folks showed up at the high school or Charlie at 228-9621. We meet for the seventh annual Turkey Trot on the fourth Thursday evenings, men choosing to go with a shorter The following can be accepted: repayment term of 15 years. Road Race. We again furnished hot January through May, September Vacant House Check (VHC) forms, beverages and donuts for the run- and October at the Old Town Hall pistol permit applications, state- ners and spectators. This event is on Bow Center Road for fellowship, Emergency ments, and parking tickets with sponsored by Bow Police Depart- great food and excellent speakers. exact fee. A user is not required to Management have contact with Department per- Through the efforts of Emer- sonnel if using the mailbox. Ruggles Cont. from p. 1 daughter Jackie. Seeing the two of them together brings smiles to ev- gency Management Director Lee to the hard work and generosity of eryone. You couldn’t ask for a better Kimball, the Town was awarded a The Bow Police Department Jon and R&T Elelectric, working Grandfather or Rotarian than Jon. $24,090 Emergency Management is dispatched by the Merrimack in conjunction with town officials, Thank you Jon (& Jackie) Ruggles Performance Grant (EMPG) by the County Sheriff’s Office. Officers the Electrical has been not only en- for all that you do for the Bow Rotary NH Department of Safety. The grant are available 24 hours a day at 603- hanced over the years but brought Club and the Bow Community.The will be used to outfit the Emergency 228-0511. up to speed last year in order for Bow Rotary Club, chartered in Operations Center in the new Safe- us to continue to use this building 1970, is a member of Rotary Inter- ty Building with a Smart Board, If a visitor comes to the Police to hold the annual auctions, which national. The clubs motto is “We chairs, table, overhead projector, Department outside of the adminis- net $25,000 a year for scholarships, help others,” and is a service club screens, carrying cases, storage trative hours, and the visitor is not camperships and other community of approximately 55 local men and carts for furniture, book cases, com- greeted, there is a direct dial phone support. He also brings power and women who engage in a wide vari- puter, weather station, color printer in the foyer of the Police Depart- generators to our car show and oth- ety of volunteer activities to support and other equipment. ment that will connect to a dis- er key events. We have Christmas both local community activities as patcher when the receiver is picked lights at the tree sales held at the well as health and community assis- up. The dispatcher will provide community building thanks to Jon. Parks and tance projects around the world. We direct assistance or call the on duty He “does everything with enthusi- meet Friday mornings at 7:30am at Recreation officer to return to the Department. asm and a smile.” He also brings the Old Town Hall at 91 Bow Cen- Emergencies only - dial 911. one other very special person to all ter Road -- come join us! We have soccer, floor hockey of our events and that is his Grand-

Quality Cash Market LLC Great Foods & Meats Coffee 11 Eastman St. Checkout our Deli 225-9661 226-2818 Providing the Best Quality TheThe Best Best Meats in Concord Donuts KabobsKabobs In In We Sell Over 50,000 Meatball ConcordConcord

Exit 16 Eastman St. Ready to Cook Sausage Pastries Kabobs a Year Chicken Lamb Kabobs Beef Kabobs also at Cimos THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 9 CROSSWORD pUZZLE Local Bank. Local Lenders. Local Loans. ACROSS Sugar River Bank’s Lending Team is looking Terri Crate 1. Resorts forward to underwriting and servicing all VP & Senior Retail Loan Officer, 5. Top of a wave Upper Valley Mary of your local loan needs. We’re your 603.381.3096 Sullivan 10. Surety NMLS #419840 Mortgage Loan full-service Hometown Bank. Originator, 14. Trail Christine Heath Greater Mortgage Origination Officer How can we help you? Concord 15. Show respect New London, Sunapee, Area, Grantham & Warner towards 603.843.6221 603.477.3865 NMLS #751779 16. Roman moon NMLS #613744 goddess Travis Craig 17. Balm ingredient Loan Officer, Newport, Claremont 18. Stupid & Surrounding Areas 20. Estate 603.843.6221 NMLS #751779 New 22. Blight Newport | Concord | Grantham | New London | Sunapee Hampshire 23. Type of dog Warner | 800-562-3145 | sugarriverbank.com | Member FDIC | EQUAL HOUSING LENDER 24. Homes for birds 25. Line drawing SUGAR RIVER BANK ANNOUNCEMENTS 32. Awry 33. Comfortable 34. Not cold VP Promotion and Retirement Internal Audit Manager. 37. Wealthy of 40 Year Employee 38. Blow up Sugar River Bank Announces 39. Start over DOWn Sugar River Bank is announcing Employee Graduations 40. French for "Summer" 1. WW1 plane 21. Stars 42. A Freudian the recent retirement of Nancy 41. Strike 2. Wan 25. Have the nerve stage Dickerman, Senior Vice Presi- Sugar River Bank has announced 42. Moses' brother 3. "Smallest" particle 26. Send forth 44. Away from the dent, Internal Audit Manager. Ms. the recent graduations of two em- 43. Muckrakers 4. Docile 27. Bloodsucking sea Dickerman was with the Bank for ployees, Ann O’Clair and Tina 45. Brownish gray 5. Alter insects 45. Anagram of 40 years and has played an integral Blythe, from the Stonier Graduate 6. Was a passenger 28. Bitter "Coast" 49. Henpeck role in the success of the institu- School of Banking. The program 50. Pacify 7. Terminate 29. Gloats 46. Any animal 8. Only 30. Drive forward with no feet tion. Ms. Dickerman volunteered is administered by the American 53. Asserted much of her time to the Newport Bankers Association and held at 57. A lyric soprano 9. 3 31. Frequently, in 47. Lit to a higher 59. An amount of 10. Nonchalantly poetry degree Rotary Club and the Newport the University of Pennsylvania. medicine unconcerned 34. Not there 48. Menial Chamber of Commerce. Mark Since 1935, Stonier has provided 60. Norse god 11. Cars 35. Smell laborers Pitkin, President and CEO, stated executive education to more than 61. Indian antelope 12. Unreactive 36. A large amount 51. Back talk that “Nancy will be greatly missed. 20,000 senior-level bankers and 62. Alley 13. Loads 38. Large 52. French for She has dedicated her entire ca- regulators, including some of the 63. Collections 19. Cent flightless bird "State" 39. Unevenly 53. Operatic solo reer to the Bank and to the com- most respected banking executives 64. Place munities in which it serves.” With in the U.S. The program empha- 65. Anagram of "Lyme" 41. Besmirch 54. Objective 55. Feudal worker Ms. Dickerman’s retirement, Tara sizes strategic planning, financial Answers on pg. 23 56. Consider Booth has been promoted to Vice management, and leadership. 58. Utilize President/Compliance Officer and

Ask About Propane

DOS OMS

ROBERT C. KUEPPER, D.D.S. Diplomate, American Board of Oral & Maxillofacial Surgery

Ro6ert C Kuepper, D.D.S.

at Pembroke Place 5 Sheep Davis Road Pembroke, NH. 03275

Tel: (603) 224-7831

122 Airport Road, Concord, NH * 603-225-5991 * www.prescottoil.com THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 10 TRAVEL TALK-

BY CHASE BINDER

of the Main House is classic and pure New Hampshire turn-of-the- century lakeside bliss. The gardens are, well, perfectly situated among the rock walls, tall trees and gentle meadows. The house itself seems just right—not too big, not too small. Here and there a sculpture invites contemplation. The lawns bring to mind ladies in white dresses playing croquet while frock-coated gentlemen smile and sip brandy. Even better, the Fells is one of those rare (nowadays, anyway) his- torical estates that seems well-cared for and restored in an authentic and respectful manner. We were greeted by an enthusiastic volunteer, who Chase Binder immediately began explaining the Bud and I love exploring ex- estate’s provenance. The Fells, otic places. The thrill of visiting an meaning rocky upland pastures in Photo courtesy of the Fells elephant sanctuary in Burma; the Scottish, came to be when Ameri- fall there are educational programs shore of . drama of a leopard snoozing on a can statesman John Milton Hay be- focusing on history, horticulture and Programs and events continue sturdy overhead limb in South Af- gan buying Newbury farms in 1888. ecology as well as art and litera- through November—why not take rica; the other-worldliness of riding Hay accumulated almost 1000 acres ture—for example, the evening of the kids or grandkids to Hay Day a camel at the base of Egypt’s Pyra- and built a summer house overlook- Daniel Thomas Moran’s poetry that Family Day on Sunday August 21, mids! ing Lake Sunapee, moving in in Bud and I attended. The setting was or gather some gal pals for Ladies But while the world beyond 1891. the expansive Veranda—perfect for Night on Wednesday November New Hampshire’s borders is full Hay, it turns out, was an inter- wine and nibbles, greeting some old 9th? For more info and details, in- of adventure and the anticipation esting fellow. Getting his start work- friends, meeting some new ones, cluding the noted Christmas at The of the unknown, every so often we ing on ’s presiden- and, above all, getting a glimpse Fells, or even how to reserve the es- stumble upon a destination right tial campaign, he served as private of a world that lay just beyond our tate for your own wedding or other here in our home state that delights secretary and assistant to President fields of vision. special event, visit TheFells.org. If us and even inspires us to dip our Lincoln in the White House. He But wait, there’s more! In ad- I’ve piqued your interest in Daniel toes into new areas of interest. This was at Lincoln’s death bed and later dition to the house, gardens and Thomas Moran poetry, “A Shed happened a couple of weeks ago co-wrote with John George Nicolay grounds, The Fells also has exten- for Wood” and several of this other when we were invited to visit The a defining biography of Lincoln. sive walking paths. One goes to a books can be found at amazon.com. Fells in nearby Newbury to hear our Later, he served as Ambassador to Fairy Village where children of all Even better is to shop local and go friend and much-acclaimed poet, the United Kingdom and then as ages are invited to build woodland to Gibson’s Book Store at 45 South Daniel Thomas Moran of Webster, Secretary of State under President creations, another passes by a state- Main Street in Concord. gibsons- read some of his works. McKinley—and remained Secre- ly maple planted by Theodore Roo- bookstore.com I won’t say that such an evening tary of State under President Teddy sevelt in 1902. Yet another hugs the was outside of our comfort zone… Roosevelt. Notably, he negotiated well, at least not very far outside. the treaties that cleared the way for We’ve enjoyed hearing Mozart per- the Panama Canal. form in a small church in Prague And all the while he wrote po- and spent hours in Jane Austen’s etry, biography and other literature. Is Your Medical Alert System Current? homestead in the English country- Imagine a man like that in today’s side. The same, sort of. But we’d political world! Hay died at the Is your Medical Alert System dialing the right number? A only heard the name “The Fells” a Fells in 1905, and in 1906 his son Medical Alert System is an electronic key chain, necklace, few times, and certainly had no idea Clarence took over and began ex- or bracelet that is used to request an ambulance, should of what—or even exactly where— panding the gardens and renovating you be unable to get to your phone. These systems the property—a process he con- it was. Even so, the late afternoon typically dial the vendor’s centralized monitoring station. sunlight was warm and dreamy. tinued well into the 1930’s. Today We’d read and enjoyed Dan’s lat- the estate is owned, maintained and est collection of poems “A Shed for managed by The Fells nonprofit THE MONITORING STATION SHOULD CONTACT Wood.” Off we went! and local volunteers. FIRE DISPATCH, NOT THE FIRE STATION. Our first surprise was sheer The Main House is full of art, loveliness of The Fells estate and history and the ambiance of the If you or a loved one has a Medical Alert System, please age. The Fells is not content to be a grounds. It’s not evident from the verify with your vendor that a request for an ambulance understated Gatehouse on New- static museum, though. Throughout bury’s Route 103A, but the setting the late spring, summer and early will go to Concord Fire Dispatch at (603) 225-3355.

Free In-Home Water Commercial Testing and Estimates! Insurance Arsenic & Radon Sample Collection for Air and Water (lab fee extra)

Personal Insurance Employee WATER TREATMENT Home Insurance Benefits Complete well pump system service. SPECIALISTS Complete whole-house water treatment systems Auto Insurance Bonds for hard water, odors, staining, arsenic & more. Night & Weekend  Life & Health Insurance Appointments Available! & Complete annual and semi-annual maintenance.  Recreational Vehicles & Boat Insurance Specialty Sanitization: Well and whole-house chlorination and sanitization to eliminate  Umbrella Insurance www.crossagency.com Products bacteria and mineral build up. Service: Most major brands, and will match or beat most written estimates. 525-7518 [email protected] * AllWaterWorks.com 1100 Elm St. Manchester, NH. 03101 603-669-3218 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 11

Catalog of Fall Classes Available Baker Free Library, Town Offices, Call OLLI Office or Visit our Website Classes in: Politics – Science – Performing Arts – World Cultures Wellness – Literature – Computers – Outdoor Activities Field Trips – Current Events – Handcrafting – Personal Development

Back to School Sales – Not Just for Kids By Dan Fogarty

It’s back-to-school season for active, intellectually-engaged adults over age 50. 54 courses will be offered in Concord during the Fall Term which begins September 26. Members may visit an Alpaca Farm or the Pierce Manse, experience Films of the Fifties or Shakespeare’s “The Tempest,” learn about Loyalists in American History, River Rafting in Tie those shoes and leash up the pups! Arctic Alaska or Public Utilities, and these examples only touch on the The Pope Memorial SPCA of Concord- array. Who is offering these experiences? OLLI, the Osher Lifelong Merrimack County’s “Walk for the Learning Institute, offers these classes and the variety is exceptional! Animals” is on its way! Join your Bow neighbors who enjoy OLLI classes and events and, as well, join your Bow neighbors whose leadership positions in OLLI help b Y lORI TAYLOR create the programs. At least 11 Bow members have been involved in leadership committees, recruiting and training volunteers, running functions, editing The Pope Memorial SPCA Banfield Pet Hospital, Infinite a newsletter, serving as “class assistants” and teaching classes in the last of Concord-Merrimack will host Health Family Chiropractic, and year. As a member, you can take courses, give courses, design courses. its 2016 Walk for the Animals The Rowley Agency. To learn OLLI offers affordable classes ranging from single session to classes event to raise critical funds for more about sponsor and vendor which meet once a week for six weeks on a broad variety of topics. All the community’s homeless and information please contact Lori courses feature “learning for the fun of it” with no exams, no grades, no abandoned animals on Saturday, Taylor at (603) 856-8756 x225 or at homework, and a chance to be with like-minded contemporaries in a fun September 17, 2016. The event will [email protected]. and welcoming environment. The Osher Lifelong Learning Institute is take place at Delta Dental Field affiliated with Granite State College and many of the classes are held in in Concord, NH from 10:00AM- About the Pope Memorial the comfortable and convenient campus on Hall Street in Concord. 2:00PM. Join hundreds of local SPCA of Concord-Merrimack Donna Deos, regular Bow Times contributor on aging, has often animal lovers for your choice of County: written about the benefits of staying active and engaged. OLLI is one a one-mile or three-mile walk to For over 100 years, the Pope of the premier organizations in the Bow area for adults over age 50 to benefit homeless pets at the Pope Memorial SPCA of Concord- accomplish just that. Memorial SPCA. Savor the beauty Merrimack County has been dedicated of a fun summer day with your to caring for abandoned and homeless pet out in Concord. Welcoming pets, protecting and advocating for pets in need, and promoting the walkers back to the event field, humane treatment of all animals. To the residents of Bow: they will find food, refreshments, The organization’s pet adoption, pet raffles, a vendor fair, a kids’ zone, food pantry, and humane education The Bow School Board is currently taking under advisement and live demonstrations for people programs collectively touch the lives of a request to rename the BMS gymnasium in honor of George (and pups) of all ages! several thousand children, adults and Pinkham, and henceforth refer to it as the “Pinkham Gymna- Join community members families each year. sium.” As many are aware, George Pinkham has 42 years of from throughout New Hampshire service with our district and will be retiring from Bow. George and beyond as your steps will save lives! Registration is now open and NEW BUDGET also serves as the High School Varsity soccer coach, and will interested Walkers are encouraged continue in that capacity for the 2016 fall season and perhaps to sign up! Online advanced DIRECTOR NAMED beyond. registration is $25 and can be FOR BOW completed at PopeMemorialSPCA. Town Manager David Stack Pursuant to School District Policy FF – the Bow School org. Registration includes a gift of announced that the Gilford Finance Board has convened an Ad hoc committee to consider the re- one bib and one dog bandana to be Director, Geoff Ruggles, will be- quest – and the committee’s recommendation was to accept the received at the event. To make a gin in Bow as the Finance Director larger impact for homeless pets, proposal. as of August 1. Mr. Ruggles, age Walkers are encouraged to create a 59, served as Gilford’s Finance Di- Walk for the Animals fundraising rector since July of 2008 and has At this time, the School Board would like to solicit com- team or “pack.” Invite friends, lived in Gilford for the past 27 ments from the public at large in support or opposition to such family members, neighbors, or co- years. He has no plans to move a request. You may do so in writing by sending comments to workers to join in on the fun! Earn to Bow but said, “He knows and the Bow School Board ([email protected]) or by special team perks and prizes likes the Bow Town Manager” and while raising more funds for the attending either the September 8th or October 6th School Board looks forward to commuting from animals of Merrimack County and Gilford to Bow. meetings. The Board will be making a final determination at the beyond! Prizes will be awarded to October 8 meeting, and all members of the public are welcomed His appointment rounds out individuals and Packs, including the top four positions in education to attend. Meetings start at 6:00pm and are held in room 1311 of an exclusive t-shirt for individuals and municipal government in Bow the Bow High School. who raise $100 for the animals! as not being residents. Manager Walkers excited to register can do Stack lives in Concord, Finance so at www.PopeMemorialSPCA. Thank you –Robert Louf, Chair, Director Ruggles in Gilford, Dean org/Walk. A full list of activities, Cascadden, the school superinten- Bow School Board vendors, and entertainment can be dent lives in Meredith and Assis- found online. The event sponsors tant Superintendent, Duane Ford, include Sandy’s Pet Food Center, lives in Strafford. THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 12 BAKER FREE LIBRARY NEWS By Lori Fisher

Summer Reading Two New Museum Auction Will End on Saturday August 20th Community Passes! There’s Still Time to Bid! Celebration The Friends of the Baker Free Thursday, Library contribute funds to The Baker Free Library Foundation is auctioning two purchase 10 museum passes items to benefit the fundraising for the Lower Level Reno- August 18th throughout the year. They vation project - a Craftsmen-inspired mirror and a hand- made quilt! Both are now on display at the Library, and bid- The Library’s Summer Read- have just added the following ding will continue until 12 noon on Saturday August 20th! ing Community Celebration two passes to the mix:

will be held on Thursday Au- Seacoast Science Center (Rye, gust 18 from 5 p.m. to 8 p.m. NH) at the Gazebo/Bow Commu- nity Building! Open to ALL : Pass admits two adults and ages! up to 4 children or grandchildren for 50% off. Additional fees to OdiorneChildren’s State Museum Park may of apply.NH (Dover, NH)

: Pass admits up to • 4 people for 50% off. - Passes vary by institution, but generally either provide a dis- counted rate for between 1 and 4 individuals, or free ad • mission for families.

The New England Aquarium does NOT allow passes in July and August due to their own policies so we will not have a pass to offer during those two The mirror, (35” tall by 19” wide), was handcrafted and donated by • Bob Couch, using locally sourced and air dried cherry and traditional months. joinery, and is valued at $575. Amy Conley of Amy Conley’s If you know the date you Family Fun Band want to reserve, call ahead... The traditional Boston Star pattern handmade cotton quilt (value $450) sometimes passes are booked is 60” x 70”, with a rod pocket for display. This donation from the Bow Quilt - weeks ahead for long holiday Club represents many hours of effort by the creative members of the club.- • weekends. Both items We’ll have terrific entertain andPlease bid support sheets the will Baker be available Free Library at the Foundation’s Library’s Summer efforts to Reading contin ment from Amy Conley’s Family One museum pass is allowed Communityue raising funds Celebration to complete at the LowerBow Community Level Renovation. Center on Thurs- Fun Band, with songs focused on per adult library card holder day 8/18. camping, the great outdoors, and • per day. For questions, contact Tom Ives at [email protected]. singalongs. Games, prizes, and the Labor Day holiday. frozen treats will also be part of If you reserve a date and then - this celebration of our community- no longer plan to go, please- The book summer reading. This event will let us know...sometimes we drop and CD/DVD drop are avail be held rain or shine - if it is sun have a waiting list for particu able 24/7 for returns, and please ny, we will be out by the gazebo, lar days/passes, and we can use your online account to renew so bring lawn chairs and blankets only issue one pass per day and reserve items over the long to spend a little family time doing theper institution. holiday weekend https://baker. great activities. Questions? Email For more information, visit Thebiblionix.com/catalog/?login=1 floor in the Upstairs Meet- [email protected] or call 224- Museum Pass page ing Room and the two public 7113. of the Library’s web site. bathrooms by the entrance will Library Holiday be replaced during the week of - We’d also like to thank our prize August 29th. sponsors: Cimo’s, Chucksters, the- Closure & Floor Common Man, Gibson’s Book Install Date store, Granite State Naturals, Or ange Leaf, Red River Theatre, and The Library will be CLOSED on We will not be taking meeting The Works Bakery Cafe for their Monday 9/5 in observance of room reservations for that week generous donations for our teen until we know exactly when the and adult prizes! installationemail will take place. Please call the library at 224-7113 or DAVIS & TOWLE INSURANCE GROUP [email protected] with questions. Insuring NH since 1954 FOUNDED ON THE TRADITION OF Next Friends of from our locations in PROTECTING OUR COMMUNITY BFL Book Amherst, Concord,Franklin Henniker and Hillsboro Quality Service & Coverage Donation Acceptance Day: Saturday August 27, 10 a.m. to 4 p.m. Visit Our Office Near You : 115 Airport Road, Concord, NH 03301 PHOTO BY ERIC ANDERSON THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 13 BOW REAL ESTATE SALES July 2016

5 Aura’s Way, 4906 gla, glaag 3606,5 br, 6 bath, 3 car att., 2.93 acres, Linda Hutton Melanie Anukem Sold $612,000 07/22/16 Broker Realtor Bro ofke ther Year Luxury Home Specialist “Luxury Homes Specialist” 136 Peaslee Rd, 3010 gla,glaag 3010,4 br, 2.5 bath,2 car att.,1.13 acres, Top 12 Leading edge ** Our Team ** Sold $549,900 07/29/16 Selling New Hampshire by the Yard Hutton & Anukem 9 West Gate Dr, 3716 gla. Glaag 3491,5 br, 3 bath, 3 car att., 26.29 Beautiful 13+/- Acre acres, Sold $469,000 07/08/16 Bow Building Lot. Giles Rd, Dunbarton; 5 Cardinal Dr, 2244 gla, glaag 2020, 3 br, 2.5 baths, 2 car att., 2.21 School District Surveyed, Septic acres, Sold $343,000 07/12/16 Land!! design & driveway 8 Morgan Drive, 1967 gla, glaag 1295, 4 br, 2 baths, 2 car att., 2.35 permit included. acres, Sold $345,000 07/22/16 $ 79,000 39 Brown Hill Rd , 3100 gla, glaag 3100, 5 br, 4 baths, 2 car att., 1.00 Call Linda 731-2202 or Melanie 848-2323 acres, Sold $322,000 07/15/16 BHHS Verani Realty 224-0700 x 6530 143 N. Main Street Suite 103 Concord, NH. 03301 27 Woodhill Hooksett,2945 gla,glaag 2945,4 br,2.5 baths, 2 car att., 5.02 acres, Sold $314,000 07/29/16 14 Jonathan Lane, 2727 gla, glaag 1502, 3 br, 2 bath, 2 car det., 1.26 36 Chandler Cir, 2142 gla, glaag 2142, 3 br, 2.5 baths, 2 car att, 2.00 acres, Sold $166,000 07/19/16 acres, Sold $309,000 07/22/16 LAND 3 Briarwood Dr, 2688 gla, glaag 2324, 4 br, 2.5 baths, 2 car att., 2.83 acres, Sold $299,000 07/11/16 109 Page Rd, Land, 15.03 acres, $230,000 07/31/16 36 Page Rd, Land, 2.42 acres, $139,000 07/08/16 14 Briarwood Dr, 2080 gla,glaag 2080, 3 br, 2.5 baths, 2 car under, 2.67 acres, Sold $310,500 07/08/16 00 Allen Road, Land, 2.68 acres, $67,000 07/22/16 120 Woodhill, 1974 gla, glaag 1974, 3 br, 3 bath, 2 car Det., 2.66 acres, COMMERCIAL Sold $275,000 07/19/16 279 River Rd, 13,000 SF, 5.70 acres, $439,000 07/05/16 5 Clough Rd, 2126 gla, glaag 1404, 4 br, 3 baths, 2 car under, 1.04 acres, Sold $268,500 07/15/16 (Note: gla = Gross Living Area, glaag = Gross Living Area Above Grade) 5 Dean Ave, 1650 gla, glaag 1650, 3 br, 2.5 baths, 2 car att., 1.20 acres, Sold $245,000 07/20/16 These statistics are for all Bow Sales for the period 7-1-16 thru 7-31- 16, based on information from the New England Real Estate Net- 2 Van Ger Dr, 2226 gla, glaag 1222, 3 br, 1.5 baths, 2 car att., 1.56 work, Inc; deemed reliable but not guaranteed. acres, Sold $248,376 07/29/16 Provided by LINDA HUTTON. Linda has been selling homes & 15 Hooksett Tpk, 1998 gla, glaag 1479, 2 br, 1.5 baths, 2 car att, .97 property in Bow for over 24 years. acres, Sold $242,500 07/22/16 Comments, questions, Contact Linda at: 948 Route 3A, 1608 gla, glaag 1608, 3 br, 1.0 bath, 1 car att., 2.29 Cell 731-2202 (preferred) acres, Sold $219,900 07/08/16 60 Bow Bog Rd, 1120 gla, glaag 1120, 3 br, 1.0 bath, 1 car under, 1.30 Linda Hutton, Broker Associate acres, Sold $215,000 07/08/16 Berkshire Hathaway HomeServices Verani Realty 143 N. Main (224-0700x6530), Concord, NH 03301 9A Birchdale Rd, 1168 gla, glaag 1056, 2 br, 1.0 bath, 1 car att., 1.00 acre, Sold $190,800 07/09/16 [email protected] www.lindahutton.com

SUDOKU PUZZLER By Ian Riensche www.sudokupuzzler.com Bow Young at Heart Club By Faye Johnson 4 8 6 5 3

Bow Young at Heart Club on trips contact Carol Walter at members had a fantastic time 753-8000. 5 3 2 9 at the Clambake Restaurant in Although you have missed Scarborough, Maine last month. our ice cream social and our pizza 6 3 2 Double lobsters with all the fixings party, and our first two trips, there followed by My Brothers Band is still time to join Bow Young at 4 3 2 7 1 5 6 performing summer beach songs. Heart. Membership is just $10.00 Members sang along and even did a year. Meetings are held the 2nd a little dancing. We are sorry to and 4th Wednesdays of the month 2 9 7 those Bow seniors who missed this at 11:30. Bring a brown bag lunch. great opportunity. Beverage and dessert will be 7 1 9 4 We are now taking reservations provided. for our October 6 Trip to Plymouth, Our 12:30 programs are always 8 Massachusetts for a Cranberry interesting: Have you every split a 6 9 Harvest Tour with Lunch at Isaac’s piece of granite and what do you Restaurant. When was the last know about the NH bobcat? Stop 9 6 time you saw Plymouth Rock? by and check us out. Use logic and process of elimination to fill in the blank cells using the Bow Seniors DO YOU KNOW For membership information blank cells using the numbers 1 through 9. Each number can appear that you can sign up for BYAH contact Ray Johnson at 228-8149. only once in each row, column and 3 x 3 block trips and fill unsold seats? For info

THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 14 HOW DO YOU KNOW WHEN YOU NEED MY HELP? By Donna Deos

How do you know when are different with your parents: they …when they are argumentative aren’t acting the same, they don’t or combative with you and you feel you need my help? look the same, their car has more like you are just trying to help Great question! In March of dents and dings than you remember, …when they are acting like noth- this year I wrote to you about “The the home or yard seem less under ing is wrong but you feel differently Eventuals of Life” TM and what it is control than usual, they don’t re- Remember, your parents want that I do to help people. Now, all member things as you do or you your love and support. They don’t these months later I’m going to give think they should, etc. want to stress you out, concern you you a clue about when you should be …you are becoming concerned or be a burden. That is one reason looking to call on me for my exper- about them for any reason why helping them can be so diffi- tise and assistance. [If you missed …when one of them is the care- cult. They want you to see them as that article and want to access it go giver for the other confident, capable and independent to: http://thebowtimes.com/news/ …when you are caregiving for not someone needing help due to di- wp-content/uploads/2016/04/ag- your loved one – even if it is just a minishing abilities. They want you ing03-2016.pdf] couple of things that you help with proud of them, just like you want life and what is happening to you, – that is how it all starts out them proud of you and your abili- In a nut shell, it’s never too not just to slap a label on it or chock early to reach out. If you’ve been …when friends and neighbors ties. it up as normal. If you are uncom- of your loved one reach out to you to my website you know that I have fortable then we should look into it. For well-meaning friends, rela- an initial consultation fee and a part with their concerns tives and neighbors: …if you are scared for any reason …when your parents start to lose of that fee is able to be applied to …if your adult children are con- …any time you have a concern any program or services you decide lots of friends or family members cerned about you and are express- (to either moving away or death or for someone else that you think I to sign up for. However, that’s not ing that to you can help with the only way to access me. You can for any other reason as well) …if your adult children don’t …when seemingly minor inci- …any time you have questions always call 224-4178 (1-855-772- understand what you are going about what you can or think you 2622) or email me at contactus@ dents occur to them. Minor inci- through or what you are consider- dents lead to major ones down the should do to help someone else donnadeos.com. I am happy to an- ing doing – making changes is hard …any time any of the other infor- swer your question. The telephone road. They are warning signs that on both of you and you are coming need to be heeded. Things like falls, mation above seems to fit and you does usually go to the voicemail from different places in life so often aren’t quite sure what to do about it system, but hang in there, you will broken limbs, dental issues, mobil- they don’t understand ity issues, balance issues, etc. Really, folks, any time at all that reach me or be able to leave a mes- …if your adult children, friends you want or feel like reaching out sage and I will get back to you …when your parents seem sad, or neighbors are making you feel lonely or depressed to me, please do it. That’s what I am promptly. Also, my personal exten- like you shouldn’t be living alone here for. Remember, your questions sion is 701. …when their energy seems to be anymore less than it used to be and concerns are very likely ones I do find that most people wait …if you have a vision impairment that others have. By raising them to to reach out to me until they are fac- …when they are super excited to that affects your quality of life and see you and they chatter your ear off me, I can address them here in my ing the crisis head on. Not the best your abilities moving forward, like articles, or in my newsletter, or my tactic, but one I can still help you every time you visit (they are likely macular degeneration or any other lonely) blog and we can reach a lot of other navigate. It really is better to reach progressive visual impairment people out there who have similar out to me when… …when they get medical diag- …if you are lonely noses of any sort, but particularly concerns. No question is silly or a …if you are depressed waste of my time or yours. So, don’t For the senior citizens them- visual impairments, memory im- …if you are caregiving for your pairments, Parkinson’s, Conges- be shy! I look forward to hearing selves: spouse – caregiving is very hard from you and being able to share the …you first realize that your home tive Heart Failure, Strokes or TIA’s work and it sneaks up on you, the (mini strokes), Fibromyalgia and information with others. is becoming too much work and sooner you reach out to me the Oh, and if you would like to you find yourself trapped and strug- Cancer. sooner we can work on ways to help …when their mobility is decreas- receive my monthly newsletter that gling to get everything done with your load and find ways to goes out by email you can go to …things that used to take you ing (their ability to walk and get keep you from burning out around) www.DonnaDeos.com. On the very hours to do now take days to com- …if you just feel like you would first page you just scroll down below plete …when their clothes look dirty or like to reach out to me and you smell unpleasant my intro video and the initial para- …you or a spouse receive a diag- don’t really know why. Trust your graph of information and there will nosis of a terminal illness …when you want to know how instincts. No one knows you better to approach them about something be a box that says “Stay Informed …you or your spouse receives a than you do. & Inspired!” you can sign up there diagnosis of a memory impairment and just aren’t sure how you should Remember, I want to help. go about it to receive it. If you would like to of any kind, Alzheimer’s, dementia, When you reach out to me or hire receive my sporadic blog posts via or any other. Even if you are con- …when you aren’t sure if their me to represent you, that is what my affairs are in order (like will, trust, email you can either sign up for the cerned about your memory and the intention is and that is exactly what newsletter or, if you just want to re- doctors tell you it is “age related powers of attorney, living will and I will do. You are not alone. I am so on) and you don’t know how to ceive the blogs, you can go to www. memory loss,” it could very well be here to help. I will always keep your donnadeos.com/blog-blog and on more than that and something we address it with them best intentions in mind. …when you feel like they are the right hand side there is a box to need to look into helping you find opt into those as well.Thank you! I ways to deal with. The idea is to against you in everything you are For the adult children: suggesting they consider look forward to hearing from you. help you be comfortable with your …you are starting to notice things Until next month, take good care.

0 0 00 603-224-4178 1-855-772-2622 Donna Deas, LLC

Spiritual Teacher & Transitions Specialist * Counseling* Coaching* and Education* Fully Insured Call Skip Trudeau Free Estimates From your first "OMG Moment" where a loved one Cell: 603/557-9083 Shop: 603/774-3725 needs your help, right through care giving, advocacy, lifestyle changes, terminal illness, death, dying, griev­ Ask About Cordwood ing and all that comes after. You are not alone-we are here to help. www.donnadeos.com 1021 Montalona Rd. Dunbarton, NH. 03046 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 15 IMPORTANCE OF REGULAR DENTAL CHECKUPS by Dr. Mostafa El-Sherif Regular dental exams are very important not only for good teeth but also for your general health. There are a wide variety of diseases where your dentist can find signs and symptoms by ex- amining your mouth. Some examples of systemic diseases with signs or symptoms in the oral cavity are syphilis, tu- berculosis, measles, herpes, ane- mia and AIDS. Other problems that a dentist checks for during a regular exam are physical or chemical irritants such as cheek biting, overgrowth Dr. El-Sherif is a profes- of tissues, drugs or food burns, sor in restorative dentistry chewing tobacco lesions, radia- at Tufts and Oklahoma tion burns, infections of the jaw bone, fungal infections and tu- University with a PhD in mors. addition to being a Doctor Regular check ups are rec- of Dentistry. He speaks ommended twice a year for pa- at national and interna- tients with systemic diseases but tional conferences around if more check up visits are need- the world on implants, ed they should be determined by crowns, bridges, and cos- your dentist. metic surgery. Is Your Well Water Corrosive? Bow Drinking Water Protection Committee, Cynthia Klevens, P.E.

Corrosive water is an aggres- Water Act prohibits the commerce can occur in all 50 states and the ter sources, and can be reached at sive water quality condition that can or installation of any drinking wa- District of Columbia. [email protected] dissolve metals at an excessive rate ter fixtures with lead greater than The Bow Drinking Water and www.bow-nh.com, Boards and from metallic plumbing fixtures and 0.25% as of January 4, 2014 (EPA Protection Committee endorses Committees. appliances in contact with the water. NHDES’ private well testing rec- 2015). References Water quality factors which contrib- Although lead in drinking water ommendations to prevent impacts ute to make groundwater corrosive is rarely the sole cause of lead poi- of corrosion and other potential Allard, E (2016). NH Business Review are low pH, low alkalinity, high soning, it is important to prevent all contaminants in your well water, as Federal study warns of corrosive potential chlorides and other dissolved ions sources of potential lead exposure. follows: of NH groundwater, July 14, 2016. http:// which increase water conductivity. Lead is a serious health concern - Flush your tap every day for 1 www.nhbr.com/July-22-2016/Federal- Corrosion impacts include ob- especially for young and unborn minute before collecting water study-warns-of-corrosive-potential-of-NH- groundwater/ jectionable taste and staining, but children, as their bodies absorb lead for drinking and cooking; ATSDR (2007), Toxic Substances Portal, most importantly, corrosive wa- at higher rates. The most serious ef- - Always use the cold water tap ToxFAQs for Lead, http://www.atsdr.cdc. ter conditions must be evaluated fects of repeated ingestion even to as lead dissolves more quickly gov/toxfaqs/tf.asp?id=93&tid=22 and addressed to avoid potential low levels of lead can affect chil- in hot water; Belitz, K., Jurgens, B.C., and Johnson, T.D. lead exposure particularly to young dren’s mental and physical health - Regularly remove and clean the (2016). U.S. Geological Survey Scientific children and pregnant women. Cor- include lower IQ, hyperactivity, and aerator in any faucets where Investigations Report 2016–5092. Poten- water is used for consumption; tial corrosivity of untreated groundwater in rosion impacts to plumbing can speech problems (ATSDR 2007, the United States. https://pubs.er.usgs.gov/ cause more frequent replacement DHHS 2015, NHDES 2012). - Test your well water every year publication/sir20165092 of fittings, water heaters and well A recent study by the U.S. Geo- for bacteria, nitrate and nitrite EPA (2015), Section 1417 of the Safe pumps. The only way to establish logical Survey (USGS 2016, NHBR acute contaminants ($27 at the Drinking Water Act: Prohibition on Use of if you have lead or other contami- 2016) advises that New Hamp- State of NH certified labora- Lead Pipes, Solder, and Flux. https://www. nants in your water is by testing at a shire’s groundwater wells have a tory); epa.gov/dwstandardsregulations/section- - Test your well water every 3 1417-safe-drinking-water-act-prohibition- certified water laboratory. A list of “very high prevalence” of poten- use-lead-pipes-solder-and, webpage update certified laboratories in New Hamp- tially corrosive groundwater, along years for the “standard analy- November 2015. shire is available by a simple web with 11 other states mostly along the sis” suite of 14 parameters in- NHDES (2009), Fact Sheet WD-DW- search for “NH certified water labo- East Coast. The study is based on cluding lead, copper, arsenic, GB-3-4 Corrosivity of Water Supplies. ratories.” testing of 21,000 groundwater sites uranium, iron, manganese, pH http://des.nh.gov/organization/commis- Even in relatively new homes, across the country between 1995 and chloride ($85 at the State of sioner/pip/factsheets/dwgb/ brass fixtures purchased prior to NH certified laboratory); NHDES (2012) Fact Sheet WD-ARD- and 2015, and ranked corrosivity EHP 10 Lead Health Summary. http://des. January 2014 could have up to 8% based on a Langelier Saturation In- - Protect your well from salt con- nh.gov/organization/commissioner/pip/ lead, and copper plumbing with dex (LSI) less than 0.5, Chloride to tamination by reducing or elim- factsheets/ard/documents/ard-ehp-10.pdf lead solder installed up until 1986 Sulfate Mass Ratio (CSMR) greater inating softener brine discharg- NH DHHS (2015) Fact Sheet 2-3-15, contained 50% lead. As our under- than 0.5, and Alkalinity less than 50 es, reducing salt application in NH Healthy Homes and Lead Poisoning standing of the health effects of mg/L. According to the study, about driveways, and directly storm Prevention Program, Lead and Children, lead, and the mobilization of lead in one-third of groundwater wells in water drainage away from your http://www.dhhs.nh.gov/dphs/bchs/clpp/ documents/children.pdf drinking water have advanced, vari- the US are “potentially corrosive” well. Nguyen, C.K., Clark, B.N., Stone, K.R., ous federal acts have lowered the based on the LSI index, and about The Bow Drinking Water Com- and Edwards, M.A. (2011). Role of Chlo- allowable levels of lead in drink- one-tenth have a high prevalence of mittee provides outreach to Town ride, Sulfate, and Alkalinity on Galvanic ing water plumbing. The most re- potentially corrosive water based residents on protecting the quality Lead Corrosion. Corrosion Journal, June cent Reduction of Lead in Drinking on the CSMR-Alkalinity levels, and and quantity of our drinking wa- 2011. THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 16 My Table – Your Table By DEBRA BARNES I Say Shishito, You say Shishito…

“Addictive” is the first word that came to mind when I first tried these peppers!

One of the simplest to prepare and a definite crowd pleaser. Cocktails, chilled wines or cold craft beers are what you will want to be sipping when nibbling on the perfectly executed shishito.

With a stroke of luck, I found a few plants for the garden and thought I would try my luck at growing them. Success! Out of all of the peppers that I have grown over the years, these are by far the easiest. My three plants produce enough peppers so - I can pick plenty for snacking about every three days. If you have- friends over to share, be sure to double your batch! The first tim Debra Barnes lives in Bow with her husband Randy. She is ers pretty much wipe you out in minutes…that’s experience talk a graduate of the Cambridge School of Culinary Arts and ing! ~ Grilled Shishitos ~ chef/owner of Wellington’s Marketplace, a wine, cheese and specialty food store on Main Street in Concord.

Kitchen Tip 1 - 2 lbs. Fresh Shishitos Peppers cleaned ½2 TSP olive oil – In the spring and summer months, save your coffee 1 TSP flaked or sea salt grounds and egg shells. Toss the egg shells into a food processor TSP freshly ground black pepper and pulse a few times. Mix up with the coffee grounds and add to Kitchenyour garden Quote soil. – ” I think every woman should have a blowtorch.” – Prepare your grill for medium high heat (425-450 degrees). In Julia Child a large bowl, toss the clean peppers with the olive oil. Using a vegetable mesh pan made for grills, slide the peppers in.

-

Cook tossing and turning them frequently until they blister. They shouldn’t char except in places. Don’t rush. It takes 10 to 15 min Serving:utes to cook a panful of peppers. When they’re done, toss them with salt and black pepper.

Slide onto a plate, pick up by the stem and eat….seeds and all! Official Description:

The Shishito pepper - is a sweet, East Asian variety of the species Capsicum annuum. The pepper is small and finger-long, slender, and thin-walled. Although it turns from green to red upon ripen ing, it is usually harvested while green. The name refers to the fact that the tip of the chili pepper looks like the head of a lion, and in Japanese it is often abbreviated as shishitō.

Include Wellington’s in all of your celebrations! Unique Wines * Artisanal & Local Cheeses * Cured Meats Award Winning Sandwiches & more!

124 No. Main St Concord NH 03301 603-715-1191 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 17 RETIREMENT BLIND SPOTS By DOMINIC LUCENTE Some life & financial factors home is $82,125. In California, it is 2 that can be overlooked. $91,250; in Florida, $89,060. YOU HAVE QUESTIONS... Additionally, few pre-retirees have disability insurance. Some We all have a “blue sky” vision employers do provide it, but many of the way retirement should be, yet do not. A small percentage of us Will I run out of money in it helps to plan for retirement with a will become disabled in our fifties retirement? little pragmatism. Fate may alter the or sixties, or become ill to a point course of our retirement in ways we where we cannot work for an do not currently anticipate. So, as extended period of time. If we don’t we plan for the next act of life, we How am I going to have disability insurance, how do How can I make sure may want to think about (and plan we make ends meet? We may be be able to afford for) some life and financial factors tempted to draw down retirement taxes that are often overlooked. college savings. don’t eat up my for my kids? We may retire earlier than Disability insurance and long- we think we will. Some of us estate term care coverage may prove more when I die? envision leaving the workforce at essential to retirement planning “full” retirement age (66 or 67), than many of us realize. looking forward to “full” monthly Age may catch up to us sooner Social Security benefits rather than rather than later. Generationally slightly reduced monthly payments. speaking, are we healthier than our Will that happen? It might not, parents and grandparents were? according to data released this year Anecdotally, it would seem so: we WE HAVE ANSWERS by the respected Employee Benefit see people running 10Ks in their Research Institute. eighties, climbing mountains in ARE YOU OVERWHELMED BY THOUGHTS ABOUT In EBRI’s most recent their seventies, and so forth. Then YOUR RETIREMENT OR AFFORDING COLLEGE FOR YOUR KIDS? Retirement Confidence Survey, again, we have diabetes and obesity DO YOU WANT A SECOND OPINION ON YOUR CURRENT PORTFOLIO? 26% of the respondents thought plaguing American health. WE CAN HELP YOU TO BETTER UNDERSTAND they would retire at age 65. Another Will we be able to manage AND PLAN FOR YOUR FINANCIAL FUTURE. 26% expected to retire at age 70 or 1 our finances at age eighty? At age later. ninety? How long will we remain CALL ME TODAY FOR A FREE FINANCIAL CONCERNS CHECKLIST! These expectations may able-bodied? Many of us will live ® not correspond with reality. In Dominic M. Lucente, CFP long and healthy retirements, but ™ surveying current retirees, EBRI CERTIFIED FINANCIAL PLANNER this is not a given. That means we NORTHEAST PLANNING ASSOCIATES, INC. found that only 8% had worked need to find people we can trust into their seventies. In fact, just 8% to manage our finances and help had retired at age 65. Sixty-nine (603) 645-8131 us in our daily lives if we become WWW.DLUCENTE.COM percent of the respondents had left mentally or physically infirm. Our work before age 65, up from 65% in estate planning should not dismiss EBRI’s 2015 survey.1 Financial planning offered through Northeast Planning Associates, Inc. (NPA), a registered investment adviser. such concerns. Securities and advisory services offered through LPL Financial, a registered investment adviser and member FINRA/SIPC. We may see retirement as an Insurance products offered through NPA, LPL Financial or its licensed affiliates. The Credit Union, NPA and LPL Financial We may be alone sooner than are not affiliated. 425 Hooksett Road, Manchester, NH 03104. 14-312 extension of the present rather we assume. Many couples retire than the future. This is only with a reasonable assumption that Not NCUA Insured ȱ No Credit Union Guarantee ȱ May Lose Value natural, as we live in the present they will be together for some time NPA, LPL Financial, or its licensed affiliates. advice and may not be relied on for the purpose of – but the present will not go on – but, inevitably, something will forever. Things change, and the NPA and LPL Financial are unaffiliated. avoiding any Federal tax penalty. This is neither happen to leave one spouse alone. This material was prepared by MarketingPro, a solicitation nor recommendation to purchase costs we have to shoulder five or As anyone who has ever lived alone Inc., and does not necessarily represent the or sell any investment or insurance product or views of the presenting party, nor their affiliates. service, and should not be relied upon as such. ten years from now may be greater realizes, a single person does not than the expenses we face at the This information has been derived from sources All indices are unmanaged and are not illustrative simply live on 50% of the income believed to be accurate. Please note - investing of any particular investment. start of retirement. As many of us of a couple. Keeping up a house – or involves risk, and past performance is no will likely be retired for 20 or 30 even a condo – could be arduous for guarantee of future results. The publisher is not Citations. years, it becomes essential to take engaged in rendering legal, accounting or other 1 - ebri.org/pdf/surveys/rcs/2016/EBRI_IB_422. an eighty-year-old man or woman. professional services. If assistance is needed, Mar16.RCS.pdf [3/16] a long-term view of the retirement Driving is a concern. All this means the reader is advised to engage the services of a 2 - genworth.com/corporate/about-genworth/ experience – which is why retirees competent professional. This information should industry-expertise/cost-of-care.html [4/11/16] that we may need someone or some not be construed as investment, tax or legal need to consider growth investing group of people to care for us when and long-term care coverage. our spouse is gone. Is that kind of We may face an insurance support currently available? Could coverage shortfall. Some of us it be available twenty years from rely on employer-sponsored health now? If not, what will take its place? insurance. If we have to retire These are some of the blind before age 65, how do we insure spots that can surprise us in ourselves until we become eligible retirement. They may quickly for Medicare? Will we be able to affect our money and our quality find coverage? of life. If we age with an awareness Beyond that basic question, we of them and recognize them in our need to think about insurance from retirement and estate planning, a couple of other angles. Will we then we may be more financially need long-term care coverage? It seems to get more expensive each prepared when or if they emerge. year, but as medicine and health care continue to advance and evolve, Dominic Lucente may be reached the possibility of a gradual rather at 603.645.8131 or dominic. [email protected] than sudden death may increase. [email protected]. The wealthy may have the assets to Dlucente.com contend with long-term care costs, but the middle class rarely does. Financial planning offered through Northeast Planning Associates, Inc. (NPA) a registered In Genworth’s 2016 Cost of Care investment adviser. Securities and advisory www.ReliableInsSolutions.com Survey, the median annual cost for services offered through LPL Financial, a a semi-private room in a nursing registered investment adviser and member FINRA/SIPC. Insurance products offered through THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 18

Founded by Betty Debnam

The writers of the Constitution checked Mini Fact: the powers they gave each branch of The government. The writers also wanted all Constitutional three branches to limit, or balance, each Convention other’s powers. began on May For example, think about how our Separation of 25, 1787, in laws are made. Congress passes a bill. But Philadelphia. it can’t become a law until the president signs it. The president can veto, or refuse, Powers the bill. But Congress can override the image courtesy National Archives president’s veto with a two-thirds vote in the House and Senate. The men who wrote our U.S. Constitution Article II: Executive Even after a bill becomes law, the knew they wanted a strong national The president Supreme Court can hear arguments government. They also knew that the weak leads the executive against it and decide if it goes against the government under the Articles of Confederation branch of our Constitution. had not worked. government. His or Voters help balance, too The delegates to the Constitutional her duties are: photo courtesy whitehouse.gov courtesy photo The writers of the Constitution also Convention feared that giving too much The White House • sees that laws checked the power power to any one person or to any group of are carried out people could be dangerous. If some people got of government by • acts as the commander in chief of the setting elections. too much power, they might take away the armed forces freedoms won by others. Members of •appoints people to offices or positions Congress and The delegates decided that the powers of •makes treaties government should be divided. This idea is the president are U.S. voters will go to •signs or vetoes laws. elected for limited the polls in just a few called separation of powers. months to choose a This was not a brand-new idea. All of the Article III: Judicial terms. If the voters The Supreme Court and other national new president and new 13 states already had their own constitutions. want a change, members of Congress. Most of these documents divided power courts make up the they can go to the among three parts, or branches. The delegates judicial branch of polls and vote officials out of office. used some ideas from these state constitutions the government. in the U.S. Constitution. The courts: • explain the Article I: Legislative meaning of Article I of the U.S. laws The U.S. Supreme Court Resources Constitution defines the • decide whether laws passed by Congress legislative branch’s powers. follow the principles in the Constitution. On the Web: This branch is made up of Checks and balances the Congress — the House of • 1.usa.gov/1Om4Rbq The word check has many meanings. One Representatives and the Senate. • 1.usa.gov/1XkOEpB photo courtesy Architect of the Capitol Architect courtesy photo of them is to stop, or limit. The legislative branch: The U.S. The term “checks and At the library: •makes laws Capitol balances” refers to the limits • “What Are the Three Branches of the •collects taxes and borrows money put on each branch by the Government?” by Benjamin Richmond •prints and coins money Constitution so that one • “The Branches of the U.S. • provides for and maintains the armed branch cannot overpower Government” by Michael Burgan forces. another. The Mini Page® © 2016 Universal Uclick. Based on materials originally produced and/or created by Betty Debnam.

Try ’n’ Find Mini Jokes Words that remind us of separation of powers are hidden in this puzzle. Some words are hidden backward or diagonally, Paul: What did the and some letters are used twice. See if you can find: pickle say at the start of the card game? BALANCE, BRANCH, B L I E V I T U C E X E K V T Patty: “Dill me in”! CHECK, CONGRESS, L N L E G I S L A T I V E E I Pam: Why did the cucumber need legal CONSTITUTION, U N O I T U T I T S N O C T M advice? CONVENTION, F N O I T N E V N O C H L O I Parker: Because it was in a pickle! COURT, DELEGATE, R C O U R T R E C N A L A B L EXECUTIVE, FREEDOM, E K I M K T N E M N R E V O G GOVERNMENT, JUDICIAL, E C P R E S I D E N T G J Y W LAW, LIMIT, LEGISLATIVE, D E E C J U D I C I A L P A Z Eco Note PRESIDENT, VETO. O H C N A R B E T A G E L E D M C P T B S S E R G N O C V F Speaking of branches ... Did you know that the

. average American uses seven trees per year in paper, wood and other products 7 Little Words for Kids made from trees? Trees help fight climate

Amazon devices Amazon change by absorbing carbon dioxide, a Use the letters in the boxes to make a word with the same meaning as gas that we produce when we exhale. the clue. The numbers in parentheses represent the number of letters in the solution. Each letter combination can be used only once, but all letter With your family’s help, plant a tree (or two).

combinations will be necessary to complete the puzzle. 2016 Universal Uclick adapted with permission from “The New 50 Simple Things Kids Can Do to Save the Earth” by The Earthworks Group, Andrews McMeel Publishing (andrewsmcmeel.com) 1. high body temperature (5) TI JO TERM LO 2. hopping marsupial (8) Download the app on Apple and . For later: 3. funny story (4) VER CHAP KAN TER The Mini Page® © Look in your newspaper for articles about 4. section of a book (7) the three branches of government. 5. bug that eats wood (7) LI GA ROO KE 6. person you can’t believe (4)

AR ON FE ITE Blue Ox Technologies Ltd

7. skin conditioner (6) Answers: fever, kangaroo, joke, chapter, termite, liar, lotion. liar, termite, chapter, joke, kangaroo, fever, Answers: ©2016 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 19 BOW GARDEN CLUB By JOYCE KIMBALL Scenes from the Bow Garden Club’s July 11th “Progressive Dinner” GARDEN NEWS Three Bow Garden Club The next regularly scheduled members opened their homes— meeting of the Bow Garden and gardens—to twenty-eight Club will be held on Monday th of their members plus their evening, September 12 . guests on the evening of July th Master Gardener Ruth Axelrod 11 providing “food and garden” will be back by popular demand venues for the club’s annual with a new topic, “Eco-Friendly “Progressive Dinner.” Gardening.” The group gathered first at the home of Joyce Kimball on Bow Center Road for appetizers and liquid refreshments,” moving on to new member Debbie Wayne’s home on Bow Bog Road for the main course and side dishes. The last stop on the Progressive Dinner & Garden Tour was that of Club President Sue Johnson on Branch Joyce Kimball showed her guests how you can have an abundance of Londonderry Turnpike, West. flowering plants in a relatively small area. Here attendees enjoyed sweet treats from a dessert table as pretty as it was delectable. Garden club members contributed food items and beverages for the extensive Ruth Axelrod 3-course meal and the hosts UNH Cooperative Extension- graciously invited their guests to trained Master Gardener for wander their properties to enjoy Merrimack County their gardens and container plantings. The meeting will begin at 6:00 p.m. with social time and refreshments, followed by the program at 6:30 p.m., concluding with a brief business meeting. All are welcome and new members are encouraged.

Debbie Wayne relaxes on her back deck upon serving the main course Location: Old Town Hall, buffet surrounded by some of her many container plants. 91 Bow Center Road. www. bowgardenclub.org. Photos courtesy of Joyce Kimball.

Sue Johnson takes a minute to pose by the arbor supporting her newly Live Free and Sweet blossoming climbing hydrangea. Pure Maple Syrup

No one wants to find themselves in a position where theyNEED their Treat’s Sugarhouse home or auto insurance. However, accidents do happen. 3 Hop Kiln Road Allied Insurance Agency understands how complicated the claims process can be. We use our Bow, N.H. 03304 experience and knowledge to help you navigate the claims process quickly and easily. T [email protected] 500 South Street alliedia.com Bow, NH. 03304 224-5394 12 fl. oz. THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 20 PLEASE TELL OUR ADVERTISERS YOU SAW THEIR AD IN THE BOW TIMES

VACATION WITH THE TIMES -- SEND US YOUR PHOTO! The Route 3A Business Dilemma BY BOB BLANCHETTE

Town Meeting approved build- project instead of a partial project? ing a water/sewer system in 2010 A Concord Monitor article which was activated on July 1, quoted Stack as saying "the town 2012. The former Town Adminis- plans to finish the sewer system trator of the Town of Pembroke was expansion, which would cost about hired in 2010 based on his qualifi- $3.5 million in the future.” When cations and experience in economic will that happen? Chances are the development and coordinating a $3.5 million cost will be far greater water/sewer project. today than back in 2010, and the A Concord Monitor article on longer the wait, the higher the price October 1, 2010, stated that the tag. process of using the coming infra- The installed sewer pipes on Doug Parker, of Bow, reading The Bow Times after celebrating structure to bring new businesses Route 3A will not be useful for any his 50th birthday in May 2016 with his wife, Kim, and family in to Bow will be overseen by Stack. residents or businesses unless an- Anna Maria Island, Florida. “Having gone through that {in other pumping station is installed Pembroke} I felt I was a perfect with the necessary components to match.” says Stack. But was he a have an active sewer system. Un- SUDOKU ANSWER By Ian Riensche “perfect match”? til the project is fully finished, new www.sudokupuzzler.com With Stack’s experience in businesses are limited to be ware- water/sewer system management houses or smaller businesses that and commercial development, would have to provide their own why is it then that after four years septic system. Businesses are drawn 9 4 3 6 1 7 5 8 2 the system has been online it only into Towns that provide immedi- produced Exel (which by the way, ate access to both water and sewer 6 8 2 9 5 4 7 1 3 recently received an abatement and systems. About 21 businesses and a decrease in its property value) residents are users of the water sys- 1 5 7 3 8 2 6 9 4 a couple of smaller businesses and tem. This is not and will not be a a few expansions of current busi- self-sustaining fund for a decade or nesses? Could it be that the sys- more. Manager Stack mentions an 7 6 9 5 3 8 4 2 1 tem hasn’t been working the way eight year breakeven point of return it should be? The project’s original on investment or ideally a break- 4 3 8 2 7 1 9 5 6 conception, for which voters ap- even point sooner than eight years. proved $12.5 million in funding for {2010 Town Report page 25}. in 2002, also included installing a As it stands now, Exel and the 5 2 1 4 9 6 3 7 8 sewer system in the area. eight new businesses and/or busi- However, by 2010, the select- ness expansions will not meet the 3 7 6 1 2 9 8 4 5 men realized the project’s price tag breakeven point of eight years or had risen substantially and voted sooner as predicted. to shrink the sewer portion of the 8 1 4 7 6 5 2 3 9 project. Wouldn’t it have made fi- Bob Blanchette of Bow is the former 2 9 5 8 4 3 1 6 7 nancial sense to build a completed Finance Director of Bow.

Pick Your Own Blueberries

** Monday 11AM-9PM ** Tues–Sun 7AM-9PM CARTER HILL ORCHARD Get Breakfast at Veano’s *Tuesday-Sunday* 7AM 73 Carter Hill Road

Concord, New Hampshire 03303 Buy (1) Breakfast at Full Price 603/225-2625 On site help always Get 1/2 OFF Second provided! Corn-Cucumbers-Veggies and More WWW.BEADIT.BIZ

(603) 715-1695 Coupon Cannot be Combined Cider Donuts-Pies-Pastries & Goodies 146 N. Main St. With any Other Offer. Coupon Concord, NH Must be Presented at Veano’s Expires 09/15/16 Open 7 Days a Week From 9 AM–6PM Coupon 603-223-0146

THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 21 JUST LISTED—Stunning private retreat! 7 Wilson Meadow, Bow ~~SURVEY ~~ If there were a “Firehouse

Grill” restaurant in part of the ANN DIPPOLD REALTOR community building would you: CBR, GRI, LMC Contact Ann: C: 603-491-7753  Go for breakfast/lunch? O:603-228-0151

 Go for lunch/dinner? anndippold@ masiello.com Private 4 BR residence + pool/guesthouse on 9 acres and surrounded by 160 acres of conservation land. It’s a one of  Never go a kind property!

Buying or Selling ? Call Ann

Go to www.thebowtimes.com to She knows Bow complete the survey. 10 WAYS TO DETER BURGLARS WITH LANDSCAPING By ANN DIPPOLD, CBR, GRI Bow Breaks Ground on New In 2014, just over 1.7 million individuals fell victim to burglary according to the FBI. Sometimes deadbolts and alarm systems just aren’t enough to deter thieves. But there are outdoor security measures you can Public Safety Building take to prevent property loss at the hands of a burglar. Here are 10 ways The official groundbreaking ceremony for the new Bow Public Safety you can help protect your home with a well-planned landscape design: Building was held on Thursday, August 4, 2016. Work on the project 1. Use plant deterrents. Thorny shrubs and bushes like holly or is moving right along. Major site work is near completion and the roses help thwart would-be burglars. sewer connection is installed. The contractor began pouring the build- ing’s concrete footings and the slab. 2. Prune vegetation regularly. Unkempt hedges provide hiding spots where perpetrators can lurk. 3. Trim the trees. Leave sufficient distance between tree branches and the roof or second-story windows to limit intruder access. 4. Leave a clear line of sight to windows or doors. Blocking these views leaves your home more vulnerable to break-ins. 5. Invest in accent lights. Illuminate your yard to eliminate po- tential hiding spots. 6. Install additional lighting. Don’t just rely on the porch light. Consider adding motion-sensitive lighting to help ward off pos- sible intruders. 7. Put gravel beneath ground-floor windows. Burglars rely on silence; stepping on gravel can be a startling repellent. 8. Protect the back door. Many thieves try this less obvious Left to right: Fire Chief Dana Abbott, Police Chief Erin Commerford, Architect point of entry first. John Jordan, Selectmen Chairman Harry Judd, Contractor Builder Gary Chicoine, Town Manager David Stack, and Emergency Management Director 9. Replace solid privacy fences. Solid fencing helps intruders Lee Kimball. Photo Credit: Staff Photo go undetected. Partial privacy fencing is a more secure option. 10. Lock all gates. It seems obvious, but it’s still worth a mention. Keep front and back gates locked at all times. While pleasing to look at, landscaping does more than enhance your home’s outdoor aesthetic. Consider whether your current setup promotes Linda Bucknam, Travel Consultant security or makes your home appealing to thieves. Use these landscap- ing security tips to help prevent your home from becoming the target of Caribbean and European Specialist a burglary. Coupon Office 603.228.1625 Get Ready For Cell 603.496.4797 Fax 603.386.6637 Fall Seeding !!

[email protected] Save $ 5.00 Family of Products www.travlbudi.com Every 520 Hall Street 25 lbs. of Bow, NH. 03304 Off packages booked for travel through the end of 2016 $ 100 603-225-0323 Lawn Seed Mixtures Expires 10/15/16 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 22 FORD CAR SCULPTURE BOW POLICE LOG "DRIVEN" JULY 2016 ON DUNBARTON ROAD IN BOW

Arrests- 13, Motor Vehicle Stops- 242 Warnings- 203, Citations- 39 Accidents- 7, Parking Tickets- 0 Restraining Orders-1 Incident/Investigation Reports- 32 July 2016 Arrests

07/03 -

Amanda L. Whiting, 37, 24 Chatel Dr, Goffstown, was arrest 07/04ed for possession of controlled/narcotic drug Mr. Mike Wheeler of 57 Dunbarton Center Road found parts and pieces 07/05 Derek C. Maltais, 32, Homeless, was arrested on a warrant of several abandoned cars while digging in his back yard. This car is the result of Mike's ability to assemble different pieces from different cars and Daniel Stevens, 36, 130 Notre Dame Ave, Apt#3, Manchester, come up with a clever, artistic creation that you can see as you drive by his 07/07was arrested on a warrant - residence. Photo by Steve Christensen

Ryan M. Boisvert, 29, 87 Cinnamon Dr, Goffstown, was ar rested operating a motor vehicle with a suspended registration and 07/10operating without a valid license - The Bow Times Jennifer S. Mapes, 49, 333 Pembroke St, Pembroke, was ar rested on a warrant 07/12 can be picked up at these locations! James Collica, 24, 12 Old Auburn Rd, Derry, was arrested for 07/19criminal threatening/aggravated assault and criminal mischief - Blue Seal Feeds Bow Mobil - Cimos Merrimack County Savings Bank Ryan Wilson, 36, 4 Kesavan, Boscawen, was arrested for driv ing after revocation or suspension and also cited for use of electron Baker Free Library Chen Yang Li 07/24ic mobile device White Rock Senior Center Patty Lee’s Kitchen - Merrimack Savings Bank Robie’s Store, Hooksett Alejandro Cardona, 48, 92 Brookside Ave, Brockton, Mass, was arrested for driving while intoxicated and possession of con (Hooksett Northbound (93)) Quality Cash Market, 07/25trolled/narcotic drug (x3) Veano's, Manchester St. E. Concord Sugar River Bank, Con- South St. Market Steven Dio, 22, 1212 Route 3A, was arrested for driving after 07/26revocation or suspension and operating without a valid license cord Heights Johnson Golden Harvest - Alltown Gas & Store Wellington’s Market, Main St., Gary R. Kenneson, 34, 115 Gardners Grove Rd, Belmont, was arrested for reckless operation, conduct after an accident, disobey Tuckers Restaurant Concord 07/28ing an officer, and reckless conduct (placing another in danger) Bow Town Offices Bow Recreation Building Dunbarton Town Office Timothy A. Malone, 37, 22 Strafford St, Apt#1, Laconia, was 07/30arrested for driving after revocation or suspension - Christopher C. Donald, 46, Homeless, was arrested on a war Testimonial Cord Wood rant John Barwell of Perfect Semi-seasoned 10 Months There was one Involuntary Emergency Admission and one person North Lawncare says he has Old $240 per cord was placed in protective custody for drunkenness during the month enjoyed the opportunity to of July. advertise in The Bow Times. Seasoned 14 Months Old

It increased his business op- BOW Local $290 per cord portunities here in Bow and HONEY Maple Syrup he looks forward to advertis- ing his Fall Yard Clean-up W P Alexander Dairy Farm LLC and Maintenance Program to 38 Robinson Rd. Bow, N.H. the local area residents. Rick Nylen 603/496-5351 Fresh Eggs * Honey * Maple Syrup Pricing is Cut/Split/Delivered Jams & Jellies, J and M Morse Trucking LLC Henniker, NH. Cabot Cheese Products Advertise Your 603-428-3423 Business in Mon-Fri 3PM-7PM Sat & Sun 9AM-6PM The Bow Times Servicing the area since 1986 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 23 Updated! Front Line Manager’s BOW COMMUNITY CALENDAR Certificate

To be successful, front-line managers must master a diverse set of techni- cal, human relations and conceptual skills. Challenges include address- ing increasingly diverse workforce, empowering employees, encouraging September 6th: Supervisors meet at Town Hall from 7:00- teamwork, enhancing employee performance, ensuring health and safety 7:30 p.m. and improving productivity and quality. Successful completion of this program will help new managers develop skills and confidence, as well as provide experienced managers with valuable tools to enrich their career September 13th: State Primary Election path. October 29th: Supervisors meet at Town Hall from 11:00- Price: $750 for Certificate (includes reference material and assessments). 11:30 a.m. for registration The Importance of Human Factors This session focuses on the critical importance of how your human factors November 8th: General Election impact your managerial success. You’ll assess your values and behaviors and will learn how to modify and leverage them to positively impact the November 12th: White Rock Annual Craft Fair 9 a.m. - 2 workplace. Focal points include: p.m. • Defining human factors. • Assessing and accepting your values and behaviors. • How human factors impact managerial functions.

Date: October 13, 1:00 to 4:00 pm Supervisory Success Steps We’ll look at a dozen “steps” a manager can take to enhance her/his super- Help Wanted, Farm Help visory skills. Communication, coaching, consistency and motivation are among the steps which will be explored. Focal points include: Age14-17, 3PM-7PM. • The role of the supervisor. • Setting a positive culture. • The power of connecting with employees. Must be capable of lifting 50 lbs. Date: October 20, 1:00 to 4:00 pm 496-5351 Ethics in the Workplace This session addresses the vital importance of establishing and maintain- ing an ethical environment in the workplace. Attendees will consider a se- ries of case studies to determine the ethical implications that are presented. Focal points: • Defining ethics. • The foundations of ethical behavior. The Bow Times • The manager’s role as an ethical “role model.” NOTICE~~ Date: October 27, 1:00 to 4:00 pm ~~ THE SEPTEMBER ISSUE WILL BE COMING OUT A Contemporary Human Resource and Labor Relations Issues and Trends WEEK EARLY BECAUSE OF ELECTIONS! Attendees will hear about current issues and trends that impact both union DEADLINE FOR ALL ADS AND SUBMISSIONS IS and non-union environments. Red flags and managers’ roles in complying with important statutes and regulations will be highlighted. Focal points AUGUST 25th! include: • “Hot” issues and trends that are at play in the workplace. • Compliance tips. CROSSWORD ANSWERS • The critical importance of timely and accurate documentation. Date: November 3, 1:00 to 4:00 pm The Leadership Perspective This session emphasizes the important leadership role the manager plays on a daily basis. The realization that the manager must lead is the underly- ing theme of this session. Focal points include: • The differences between management and leadership. • Leadership keys and characteristics. • The impact of title on leadership.

Date: November 10, 1:00 to 4:00 pm The On-Going Growth and Development Journey

During this session attendees will hear that their on-going growth and de- velopment is essential to their success. Staying interested, challenged and passionate are all addressed. Focal points include: • How to thrive rather than survive. • Building your “brand.” • Being good to yourself.

Date: November 17, 1:00 to 4:00 pm

Register today! nhti.edu/business-training or call 230-4022 THE BOW TIMES VOL 23, NO. 8 August 2016 FREE 24

Making a positive difference. One member at a time.

“Thank you so much for the help with closing my high interest credit cards. You saved me much worry and over $7,000.” -E. Schmidt, saved $7,000

“As a family with two young boys, we really needed help Thank you for helping us take the load off our shoulders.” -K. Bisson, Saved $5,916.

In June 2016, people saved more than $350,000 by refinancing their auto loans and consolidating higher-rate debts with NHFCU. It’s time to get ahead. Check our schedule for Free courses to improve your finances at nhfcu.org/events Or make your appointment for a free consultation today.

Concord Service Centers Lee Service Center 70 Airport Road 47 N. Main Street 71 Calef Highway Concord, NH 03301 Concord, NH 03301 Lee, NH 03861 (603)224-7731 * (800)639-4039 * Fax (603)224-8550 nhfcu.org NHCFU may lend to members only. Visit nhfcu.org/joinNHFCU to find out how to join. Actual quotes authorized for use by NHCFU members. Image is not representative of the person (s) quoted