Friday, October 29, 2010
New Windham Listing
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Wednesday, October 27, 2010
Come Join the Fun! Dodgeball for Adults
Thursday is Dodgeball Night!
Thursday evenings this fall and winter, Portland Recreation is offering adult drop-in dodgeball games for eighteen and older ($2 admission for Portland residents). Enjoy a fast-paced workout and some spirited competition while reliving favorite playground memories.
Dodgeball, a popular children’s game, was first introduced in elementary physical education classes to help develop balance, eye-hand coordination and reflex skills. The game is enjoying a revival in Portland as both sport and nighttime entertainment for many adults looking to escape the bombardment.
When: Thursdays
8:30 PM – 10:00 PM
Where: Riverton Gymnasium, 1600 Forest Avenue
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Thursday evenings this fall and winter, Portland Recreation is offering adult drop-in dodgeball games for eighteen and older ($2 admission for Portland residents). Enjoy a fast-paced workout and some spirited competition while reliving favorite playground memories.
Dodgeball, a popular children’s game, was first introduced in elementary physical education classes to help develop balance, eye-hand coordination and reflex skills. The game is enjoying a revival in Portland as both sport and nighttime entertainment for many adults looking to escape the bombardment.
When: Thursdays
8:30 PM – 10:00 PM
Where: Riverton Gymnasium, 1600 Forest Avenue
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
West End condo for sale
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Deering Center Colonial
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Tuesday, October 26, 2010
"DOUBLE, DOUBLE TOIL AND TROUBLE; FIRE BURN AND CAULDRON BUBBLE..."
No, the witches from Shakespeare's "Macbeth" weren't talking about the economy or the labor market - but economic reports of late are indeed swirling about as if in a cauldron, with a potent mix of both tricks and treats. One report will show improvement for the economy, while another tells a more negative tale. So what news came about this week, and what impact did it have on home loan rates?
Last week, there was reasonably good news on the housing front, as Housing Starts for September were up 0.3%, to a seasonally adjusted 610,000 unit pace, which was higher than expectations of 579,000. The good news is that this represents the third consecutive month of expansion and actually the highest level of Housing Starts since April.
Yet, while this is an encouraging sign and does suggest some stabilization in housing, we can't break out the party hats just yet. The improvement in Housing Starts is coming off of very depressed levels... and additionally, Building Permits, which are a sign of future construction, came in at 539,000, which was below expectations and also the lowest level we've seen in more than a year. The bottom line for housing is that people need to gain back real confidence and security about their job and economic prospects before we'll see a marked turn around.
Speaking of that important job market, last week's Initial Jobless Claims were 452,000–- and Jobless Claims have been stuck near that 450,000 mark for a long time - and there will be no meaningful decrease in the Unemployment Rate until Initial Jobless Claims reach and start moving below the 400,000 level. Overall, we still have 8.5 million people collecting some sort of unemployment benefits, so we’ve still got a ways to go before we're out of the woods.
Reports on housing, manufacturing, jobs, and inflation are a big part of what will guide the Fed's ultimate decision regarding the next round of Quantitative Easing (QE2), and a formal announcement is expected during the Fed's next meeting of the Federal Open Market Committee on November 3rd. Remember that QE is the concept of the Fed becoming a buyer of Treasuries and Bonds, in a bid to keep interest rates low and therefore stimulate the economy. It's important to note that QE may also devalue the
Dollar, and boost our economy through making our exports relatively cheaper for foreign buyers. And this is not a bad thing, but we have to be aware that while more QE might provide an initial decline for home loan rates, the devaluation of the Dollar will ultimately drive rates higher. I will be watching this situation closely in the weeks ahead.
More housing news is in store this week, with both Monday's Existing Home Sales Report and Wednesday's New Home Sales Report. But whether these reports will show a
move forward or backwards in the housing arena remains to be seen. Again, a marked improvement in the labor market will be necessary in order to see a marked improvement in housing nationwide.
Also, we'll get a read on the health of the economy with Wednesday's Durable Goods Report, which gives us an update on consumer and business buying behavior on big-ticket items that are designed to last for an extended period of time, like furniture, televisions, appliances, sporting equipment, vehicles, copy machines... all manner of things. It’s an interesting report, as people tend to hold back on these types of purchases when they are feeling a need to be extra conservative with their finances, or feel insecure about their employment. Meanwhile, Friday will bring another read on the economy with the Gross Domestic Product Report, which is the broadest measure of economic activity.
And not to be missed is the Initial and Continuing Jobless Claims Report on Thursday, as well as earnings reports from Proctor & Gamble, 3M, Exxon Mobile and more.
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Last week, there was reasonably good news on the housing front, as Housing Starts for September were up 0.3%, to a seasonally adjusted 610,000 unit pace, which was higher than expectations of 579,000. The good news is that this represents the third consecutive month of expansion and actually the highest level of Housing Starts since April.
Yet, while this is an encouraging sign and does suggest some stabilization in housing, we can't break out the party hats just yet. The improvement in Housing Starts is coming off of very depressed levels... and additionally, Building Permits, which are a sign of future construction, came in at 539,000, which was below expectations and also the lowest level we've seen in more than a year. The bottom line for housing is that people need to gain back real confidence and security about their job and economic prospects before we'll see a marked turn around.
Speaking of that important job market, last week's Initial Jobless Claims were 452,000–- and Jobless Claims have been stuck near that 450,000 mark for a long time - and there will be no meaningful decrease in the Unemployment Rate until Initial Jobless Claims reach and start moving below the 400,000 level. Overall, we still have 8.5 million people collecting some sort of unemployment benefits, so we’ve still got a ways to go before we're out of the woods.
Reports on housing, manufacturing, jobs, and inflation are a big part of what will guide the Fed's ultimate decision regarding the next round of Quantitative Easing (QE2), and a formal announcement is expected during the Fed's next meeting of the Federal Open Market Committee on November 3rd. Remember that QE is the concept of the Fed becoming a buyer of Treasuries and Bonds, in a bid to keep interest rates low and therefore stimulate the economy. It's important to note that QE may also devalue the
Dollar, and boost our economy through making our exports relatively cheaper for foreign buyers. And this is not a bad thing, but we have to be aware that while more QE might provide an initial decline for home loan rates, the devaluation of the Dollar will ultimately drive rates higher. I will be watching this situation closely in the weeks ahead.
More housing news is in store this week, with both Monday's Existing Home Sales Report and Wednesday's New Home Sales Report. But whether these reports will show a
move forward or backwards in the housing arena remains to be seen. Again, a marked improvement in the labor market will be necessary in order to see a marked improvement in housing nationwide.
Also, we'll get a read on the health of the economy with Wednesday's Durable Goods Report, which gives us an update on consumer and business buying behavior on big-ticket items that are designed to last for an extended period of time, like furniture, televisions, appliances, sporting equipment, vehicles, copy machines... all manner of things. It’s an interesting report, as people tend to hold back on these types of purchases when they are feeling a need to be extra conservative with their finances, or feel insecure about their employment. Meanwhile, Friday will bring another read on the economy with the Gross Domestic Product Report, which is the broadest measure of economic activity.
And not to be missed is the Initial and Continuing Jobless Claims Report on Thursday, as well as earnings reports from Proctor & Gamble, 3M, Exxon Mobile and more.
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Monday, October 25, 2010
Upcoming Distric Meetings - Make your voice heard!
Annual District Meetings in November
In November, the City of Portland’s annual district meetings will be held throughout the city. City Councilors and staff will be available to discuss neighborhood issues and answer questions from the public. These meetings are the public’s opportunity to meet their district councilor, the Mayor and representatives from the various departments within the city.
District 1 Meeting
Hosted by Councilor Kevin Donoghue
Tuesday, November 9 at 7:00 PM
East End Community Center, 195 North Street
District 2 Meeting
Hosted by Councilor David Marshall
Wednesday, November 10 at 7:00 PM
Reiche Community Center, 166 Brackett Street
District 3 Meeting
Hosted by Councilor Dan Skolnik
Tuesday, November 23 at 7:00 PM
Deering High School Cafeteria, 370 Stevens Avenue
District 4 Meeting
Hosted by Councilor Cheryl Leeman
Thursday, November 18 at 7:30 PM
Presumpscot School, 69 Presumpscot Street
District 5 Meeting
Hosted by Councilor John Coyne
Wednesday, November 17 at 7:00 PM
Riverton Community Center, 1600 Forest Avenue
For more information about these meetings, contact Mike Murray, the city’s Island and Neighborhood Administrator at 756-8288, or MSM@portlandmaine.gov
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
In November, the City of Portland’s annual district meetings will be held throughout the city. City Councilors and staff will be available to discuss neighborhood issues and answer questions from the public. These meetings are the public’s opportunity to meet their district councilor, the Mayor and representatives from the various departments within the city.
District 1 Meeting
Hosted by Councilor Kevin Donoghue
Tuesday, November 9 at 7:00 PM
East End Community Center, 195 North Street
District 2 Meeting
Hosted by Councilor David Marshall
Wednesday, November 10 at 7:00 PM
Reiche Community Center, 166 Brackett Street
District 3 Meeting
Hosted by Councilor Dan Skolnik
Tuesday, November 23 at 7:00 PM
Deering High School Cafeteria, 370 Stevens Avenue
District 4 Meeting
Hosted by Councilor Cheryl Leeman
Thursday, November 18 at 7:30 PM
Presumpscot School, 69 Presumpscot Street
District 5 Meeting
Hosted by Councilor John Coyne
Wednesday, November 17 at 7:00 PM
Riverton Community Center, 1600 Forest Avenue
For more information about these meetings, contact Mike Murray, the city’s Island and Neighborhood Administrator at 756-8288, or MSM@portlandmaine.gov
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Sunday, October 24, 2010
Flu Vaccine Clinics this Fall - schedule!
Flu Vaccine Clinics this Fall
To help protect adults living in Greater Portland during the upcoming influenza season, the City of Portland, HHSD’s Public Health Division will offer a series of influenza (flu) walk-in clinics throughout Portland. The seasonal flu vaccine will be available for $10.00, or at no cost for individuals with a Medicare Part B card.00 . All types of insurance including MaineCare will be accepted. Pneumococcal pneumonia vaccine will also be available for $45.00 or free for people with MaineCare. The clinics are open to adults, eighteen and older.
The Maine Centers for Disease Control is recommending vaccination against influenza for all Mainers age six months and older. An annual flu vaccine is the best way to reduce the chances of getting the flu and lessens the probability of spreading it to others. This year’s vaccine provides protection against H1N1 influenza and two other influenza viruses. The Portland’s Public Health Division is committed to making this service easily accessible and affordable and will be offering clinics in several convenient Portland locations. The city has an ample supply of flu vaccine this year and people are encouraged to get vaccinated before mid-December when the flu traditionally starts to spread in Maine.
As many as 36,000 adults in the U.S. die from seasonal influenza and its complications every year. Vaccination against both flu and bacterial pneumonia (pneumococcal vaccine) are essential to protect the health of seniors and others with chronic health conditions. Vaccinations reduce health care costs by limiting expensive therapies and unnecessary hospitalizations and decrease the spread of disease in the home, workplace, and community.
Although immunization is recommended for everyone, groups at especially high risk of seasonal influenza and its complications include:
§ People People over age 50;
§ People with chronic medical conditions such as diabetes, asthma, heart disease, or immune system problems;
§ Pregnant women;
§ People in long- term care or institutional settings;
§ Health care workers;
§ Caregivers and household contacts of those at high risk; and
§ Young children aged 6 months and up.
For specific information on the locations and dates for Portland Public Health’s flu clinics, please contact the City of Portland’s Flu Hotline at 207-874-8946 or visit the Immunization Program website, http://www.portlandmaine.gov/hhs/health.asp.
Seasonal Flu Clinic Schedule
Sunday, October 24, 2010 9:00 AM – Noon
Cliff Island Community Center, Cliff Island, Portland
Wednesday, October 27, 2010 8:30 AM – 11:00 AM
Peaks Island Community Center, 129 Island Avenue, Peaks Island, Portland
Monday, November 8, 2010 1:00 PM – 4:00 PM
St. Pius X Parish Hall, 492 Ocean Avenue, Portland
Wednesday, November 10, 2010 11:00 AM – 3:00 PM
State of Maine Room, City Hall, 389 Congress Street, Portland
Monday, November 15, 2010 9:00 AM – Noon
Allen Avenue UU Church, 524 Allen Avenue, Portland
Monday, December 6, 2010 1:00 PM – 4:00 PM
St. Pius X Parish Hall, 492 Ocean Avenue, Portland
Wednesday, December 8, 2010 11:00 AM – 3:00 PM
State of Maine Room, City Hall, 389 Congress Street, Portland
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
To help protect adults living in Greater Portland during the upcoming influenza season, the City of Portland, HHSD’s Public Health Division will offer a series of influenza (flu) walk-in clinics throughout Portland. The seasonal flu vaccine will be available for $10.00, or at no cost for individuals with a Medicare Part B card.00 . All types of insurance including MaineCare will be accepted. Pneumococcal pneumonia vaccine will also be available for $45.00 or free for people with MaineCare. The clinics are open to adults, eighteen and older.
The Maine Centers for Disease Control is recommending vaccination against influenza for all Mainers age six months and older. An annual flu vaccine is the best way to reduce the chances of getting the flu and lessens the probability of spreading it to others. This year’s vaccine provides protection against H1N1 influenza and two other influenza viruses. The Portland’s Public Health Division is committed to making this service easily accessible and affordable and will be offering clinics in several convenient Portland locations. The city has an ample supply of flu vaccine this year and people are encouraged to get vaccinated before mid-December when the flu traditionally starts to spread in Maine.
As many as 36,000 adults in the U.S. die from seasonal influenza and its complications every year. Vaccination against both flu and bacterial pneumonia (pneumococcal vaccine) are essential to protect the health of seniors and others with chronic health conditions. Vaccinations reduce health care costs by limiting expensive therapies and unnecessary hospitalizations and decrease the spread of disease in the home, workplace, and community.
Although immunization is recommended for everyone, groups at especially high risk of seasonal influenza and its complications include:
§ People People over age 50;
§ People with chronic medical conditions such as diabetes, asthma, heart disease, or immune system problems;
§ Pregnant women;
§ People in long- term care or institutional settings;
§ Health care workers;
§ Caregivers and household contacts of those at high risk; and
§ Young children aged 6 months and up.
For specific information on the locations and dates for Portland Public Health’s flu clinics, please contact the City of Portland’s Flu Hotline at 207-874-8946 or visit the Immunization Program website, http://www.portlandmaine.gov/hhs/health.asp.
Seasonal Flu Clinic Schedule
Sunday, October 24, 2010 9:00 AM – Noon
Cliff Island Community Center, Cliff Island, Portland
Wednesday, October 27, 2010 8:30 AM – 11:00 AM
Peaks Island Community Center, 129 Island Avenue, Peaks Island, Portland
Monday, November 8, 2010 1:00 PM – 4:00 PM
St. Pius X Parish Hall, 492 Ocean Avenue, Portland
Wednesday, November 10, 2010 11:00 AM – 3:00 PM
State of Maine Room, City Hall, 389 Congress Street, Portland
Monday, November 15, 2010 9:00 AM – Noon
Allen Avenue UU Church, 524 Allen Avenue, Portland
Monday, December 6, 2010 1:00 PM – 4:00 PM
St. Pius X Parish Hall, 492 Ocean Avenue, Portland
Wednesday, December 8, 2010 11:00 AM – 3:00 PM
State of Maine Room, City Hall, 389 Congress Street, Portland
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Saturday, October 23, 2010
Leaf Bag Collection schedule/info
Curbside Leaf Collection Starts Soon!
The City of Portland’s curbside leaf collection program begins the week of October 25th and will end November 19th. Portland residents should set their leaves out in paper biodegradable yard waste bags the same day as their normal trash collection.
Yard waste and leaves can also be dropped off at Riverside Recycling Facility between the hours of 7:00 AM and 4:00 PM, Monday through Friday. Residents should bring brush and tree waste (any woody material) directly to the facility. For more information about the program, call 756-8189 or visit http://publicworks.portlandmaine.gov/
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
The City of Portland’s curbside leaf collection program begins the week of October 25th and will end November 19th. Portland residents should set their leaves out in paper biodegradable yard waste bags the same day as their normal trash collection.
Yard waste and leaves can also be dropped off at Riverside Recycling Facility between the hours of 7:00 AM and 4:00 PM, Monday through Friday. Residents should bring brush and tree waste (any woody material) directly to the facility. For more information about the program, call 756-8189 or visit http://publicworks.portlandmaine.gov/
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Friday, October 22, 2010
Our West End Listing in The NYT!
We are so proud that our West End Listing is featured in The New York Times Great Homes and Destinations section this week! Read the full article here: http://www.nytimes.com/2010/10/20/greathomesanddestinations/20gh-what.html?_r=1
From What You Get for...$1.1 Million:
PORTLAND, ME.
WHAT: A brick house with six bedrooms and three and a half baths
HOW MUCH: $1,095,000
SIZE: 6,788 square feet
PER SQUARE FOOT: $161.31
SETTING: This house is in Portland’s West End, a mostly residential neighborhood. According to the listing agent, the neighborhood started out as a single estate before being subdivided in the late 19th century. Many of the homes in the area are brick, like the one featured here. Restaurants, supermarkets and schools are within a half-mile. The Western Promenade, an elevated walkway with views on a clear day of the White Mountains in New Hampshire, is a block away. Downtown Portland is about a mile away.
INSIDE: This house, built in 1905, retains several original features, including leaded glass windows, pocket doors throughout and several built-in bookcases. The living room has beamed ceilings and built-in bookcases; a library has a coved ceiling and three walls of bookshelves. The formal dining room has a secret panel in the wall, originally used for hiding the house’s silver, the listing agent said. In addition to the kitchen, there are two pantry rooms, one with a radiator for bread making, another with stainless-steel sinks and restaurant faucets installed by the current owners.
The master suite is on the second floor and has views of the Fore River (which flows into Portland Harbor), a recently renovated bathroom and two dressing rooms, one currently used as a music room. There are three other bedrooms on the second floor, two with fireplaces, and a linen closet with built-in shelves. The lower level has a billiard room with original wood wainscoting and lincrusta, a type of embossed wall covering. There’s also a walk-in safe, built for the house’s original owner, an executive at Portland National Bank. The property’s original carriage house is still there, too, and can hold up to six cars.
OUTDOOR SPACE: A garden behind the carriage house.
TAXES: $14,228.48 a year.
See more photos and the visual tour of the home here: http://www.johnhatcher.us/listnow/listings.html?p=west111
CONTACT: John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
From What You Get for...$1.1 Million:
PORTLAND, ME.
WHAT: A brick house with six bedrooms and three and a half baths
HOW MUCH: $1,095,000
SIZE: 6,788 square feet
PER SQUARE FOOT: $161.31
SETTING: This house is in Portland’s West End, a mostly residential neighborhood. According to the listing agent, the neighborhood started out as a single estate before being subdivided in the late 19th century. Many of the homes in the area are brick, like the one featured here. Restaurants, supermarkets and schools are within a half-mile. The Western Promenade, an elevated walkway with views on a clear day of the White Mountains in New Hampshire, is a block away. Downtown Portland is about a mile away.
INSIDE: This house, built in 1905, retains several original features, including leaded glass windows, pocket doors throughout and several built-in bookcases. The living room has beamed ceilings and built-in bookcases; a library has a coved ceiling and three walls of bookshelves. The formal dining room has a secret panel in the wall, originally used for hiding the house’s silver, the listing agent said. In addition to the kitchen, there are two pantry rooms, one with a radiator for bread making, another with stainless-steel sinks and restaurant faucets installed by the current owners.
The master suite is on the second floor and has views of the Fore River (which flows into Portland Harbor), a recently renovated bathroom and two dressing rooms, one currently used as a music room. There are three other bedrooms on the second floor, two with fireplaces, and a linen closet with built-in shelves. The lower level has a billiard room with original wood wainscoting and lincrusta, a type of embossed wall covering. There’s also a walk-in safe, built for the house’s original owner, an executive at Portland National Bank. The property’s original carriage house is still there, too, and can hold up to six cars.
OUTDOOR SPACE: A garden behind the carriage house.
TAXES: $14,228.48 a year.
See more photos and the visual tour of the home here: http://www.johnhatcher.us/listnow/listings.html?p=west111
CONTACT: John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Family Halloween Dance at Riverton
Family Halloween Dance at Riverton
This Saturday, Portland Recreation presents the Parent & Child Halloween Dance at Riverton ($5 per family). The event, open to parents, caregivers, and children ages twelve and under, is a great opportunity to cut a rug. Families are encouraged to come in costume and dance the night away. Refreshments will be provided and a $100 gift certificate for Portland Recreation programs will be given to a lucky raffle winner.
When: Saturday, October 23, 2010
6:30 PM – 8:30 PM
Where: Riverton Gymnasium, 1600 Forest Avenue
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
This Saturday, Portland Recreation presents the Parent & Child Halloween Dance at Riverton ($5 per family). The event, open to parents, caregivers, and children ages twelve and under, is a great opportunity to cut a rug. Families are encouraged to come in costume and dance the night away. Refreshments will be provided and a $100 gift certificate for Portland Recreation programs will be given to a lucky raffle winner.
When: Saturday, October 23, 2010
6:30 PM – 8:30 PM
Where: Riverton Gymnasium, 1600 Forest Avenue
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Thursday, October 21, 2010
New Yarmouth Listing - Fantastic Price!
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
New Portland Condo Listing
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Saturday, October 16, 2010
Green Buildings May Make Employees Feel Better, a Study Finds
Is where you work making you sick? A new study finds that employees who move from buildings with poor indoor environmental quality to more healthful "green" buildings may reap some benefits, including less absenteeism and higher productivity.
The green building movement isn't just concerned with constructing buildings that are more energy efficient and environmentally responsible — they're supposed to improve indoor surroundings as well, making it more healthful and pleasant for those who work there, via lighting, ventilation, acoustics and ergonomic design.
Researchers from Michigan State University did two case studies evaluating the physical and mental health status of people who moved from traditional to green office buildings. One scenario involved 56 people and the other 207, and employees were asked through surveys about absenteeism from work in both types of buildings for asthma, allergies, depression and stress-related conditions. They were also asked about productivity in the two settings.
Both green buildings received high ratings from Leadership in Energy and Environmental Design, a green building certification organization.
Being absent from work for asthma, allergies, depression and stress decreased following the move into the green buildings; for example, hours absent from work due to asthma and allergies was on average 1.12 per month in conventional buildings and 0.49 in green buildings. The average number of work hours affected by illness per month also declined after the move. Productivity improved.
Using the numbers, researchers estimated that better health and higher productivity could translate into more work hours per year.
Researchers plan to do additional research at other sites as well as follow these employees to assess changes in health and productivity and to make sure that the results aren't due to the Hawthorne effect, a phenomenon in which people change the behavior that's being evaluated because they know they're being studied.
The study appears in the September issue of the American Journal of Public Health.
The green building movement isn't just concerned with constructing buildings that are more energy efficient and environmentally responsible — they're supposed to improve indoor surroundings as well, making it more healthful and pleasant for those who work there, via lighting, ventilation, acoustics and ergonomic design.
Researchers from Michigan State University did two case studies evaluating the physical and mental health status of people who moved from traditional to green office buildings. One scenario involved 56 people and the other 207, and employees were asked through surveys about absenteeism from work in both types of buildings for asthma, allergies, depression and stress-related conditions. They were also asked about productivity in the two settings.
Both green buildings received high ratings from Leadership in Energy and Environmental Design, a green building certification organization.
Being absent from work for asthma, allergies, depression and stress decreased following the move into the green buildings; for example, hours absent from work due to asthma and allergies was on average 1.12 per month in conventional buildings and 0.49 in green buildings. The average number of work hours affected by illness per month also declined after the move. Productivity improved.
Using the numbers, researchers estimated that better health and higher productivity could translate into more work hours per year.
Researchers plan to do additional research at other sites as well as follow these employees to assess changes in health and productivity and to make sure that the results aren't due to the Hawthorne effect, a phenomenon in which people change the behavior that's being evaluated because they know they're being studied.
The study appears in the September issue of the American Journal of Public Health.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Park St Condo
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Friday, October 15, 2010
As Housing Languishes, Mortgage Write-downs Gain Appeal for Banks
Eager to avoid writing down the loans on their books, banks have been extending many of them with the hope that the market will improve.
Even banks that foreclosed on properties have kept them on their books, reluctant to auction them in a market where investors offer as low as 10 cents on the dollar.
Now that appears to be changing, and it could have implications for property owners caught up in the sell-off.
"The proverbial logjam is beginning to break up," said Jim Anthony, CEO of Anthony & Co., a Raleigh real estate services company.
As evidence, Anthony said BB&T plans to auction $1 billion of performing and nonperforming loans in the Southeast.
BB&T would neither confirm nor deny reports of the auction.
"BB&T continues to evaluate opportunities to best execute our problem loan disposition strategy, which may or may not include bulk sales," said spokeswoman Cynthia Williams.
BB&T has been more aggressive of late in writing down its troubled loans and moving to rid itself of some of them. The bank's CEO, Kelly King, has indicated the strategy will continue as long as investor appetite for the loans remains at current levels.
Other regional banks, including Pittsburgh-based PNC Financial Services Group and Birmingham, Ala.-based Regions Financial, are pursuing similar strategies.
The move to deal with troubled real estate loans is driven partly by federal regulators who have increased pressure on banks whose capital ratios fall below a certain level.
"I think the banks are coming to terms with the fact that, particularly, commercial real estate is declining in value and it's just not coming back in the next three months or six months," said Tony Plath, a banking professor at the University of North Carolina-Charlotte. "It's going to be a while before we're out of the hole as far as real estate values are concerned."
The auctions also are a sign that the gap between what the banks will take for the loans — and what investors will pay — is narrowing.
"I think all of the banks have reached the point where they realize they're not going to get 80 cents on the dollar for the value of the loans they package," Plath said. "They're going to be looking at something like 35 or 40 cents on the dollar, which seems to be where these loan packages are selling."
For property owners whose loans are included in these packages, the auctions could mean trouble.
If an investor buys a loan for 40 cents on the dollar, that means they can foreclose on the property, auction it off and still make a profit.
"The borrowers that are included in the package face much more rigorous collection efforts on behalf of the buyer," Plath said. "(If you're a borrower,) you really don't want that loan sold."
Even banks that foreclosed on properties have kept them on their books, reluctant to auction them in a market where investors offer as low as 10 cents on the dollar.
Now that appears to be changing, and it could have implications for property owners caught up in the sell-off.
"The proverbial logjam is beginning to break up," said Jim Anthony, CEO of Anthony & Co., a Raleigh real estate services company.
As evidence, Anthony said BB&T plans to auction $1 billion of performing and nonperforming loans in the Southeast.
BB&T would neither confirm nor deny reports of the auction.
"BB&T continues to evaluate opportunities to best execute our problem loan disposition strategy, which may or may not include bulk sales," said spokeswoman Cynthia Williams.
BB&T has been more aggressive of late in writing down its troubled loans and moving to rid itself of some of them. The bank's CEO, Kelly King, has indicated the strategy will continue as long as investor appetite for the loans remains at current levels.
Other regional banks, including Pittsburgh-based PNC Financial Services Group and Birmingham, Ala.-based Regions Financial, are pursuing similar strategies.
The move to deal with troubled real estate loans is driven partly by federal regulators who have increased pressure on banks whose capital ratios fall below a certain level.
"I think the banks are coming to terms with the fact that, particularly, commercial real estate is declining in value and it's just not coming back in the next three months or six months," said Tony Plath, a banking professor at the University of North Carolina-Charlotte. "It's going to be a while before we're out of the hole as far as real estate values are concerned."
The auctions also are a sign that the gap between what the banks will take for the loans — and what investors will pay — is narrowing.
"I think all of the banks have reached the point where they realize they're not going to get 80 cents on the dollar for the value of the loans they package," Plath said. "They're going to be looking at something like 35 or 40 cents on the dollar, which seems to be where these loan packages are selling."
For property owners whose loans are included in these packages, the auctions could mean trouble.
If an investor buys a loan for 40 cents on the dollar, that means they can foreclose on the property, auction it off and still make a profit.
"The borrowers that are included in the package face much more rigorous collection efforts on behalf of the buyer," Plath said. "(If you're a borrower,) you really don't want that loan sold."
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Thursday, October 14, 2010
Paint, Lighting and Flooring are Foundations for Refeathering the Nest
Some rooms scream — "Help!"
Others say nothing, and that's a problem, too.
Take the typical bedroom. Michael Payne has seen thousands, just this month.
"The bedroom tends to get forgotten — you spend all your money elsewhere in the house," said Payne, a celebrity interior designer and makeover specialist best known for his "Designing For The Sexes" series on HGTV. "You end up with a totally forgettable room that you don't want your best friend to see."
Helping people find indoor harmony — particularly at affordable prices — is a common challenge for designers. Instead of moving, homeowners are staying put and trying to make the most of their current house.
"This has been the busiest year I've ever had," said Folsom, Calif., interior designer Jennifer FaGalde. "Absolutely, a lot of people are wanting to stay put and put money into their own home instead of moving.
"They're creating a nest within their own space," she added. "People are staying home more now than they did five, 10 years ago. They want a sanctuary where they can relax."
But where to start?
Paint, lighting and flooring are three of the easiest, quickest and least expensive ways to update a room, say the experts.
Arizona Tile's in-house designer Emitt Isaacks advises people to start makeovers with a very basic question: Who lives in your home?
"A retired couple is very different than a family with young kids. They have different needs and considerations," he said. "Don't forget dogs and cats. Pets influence (design) decisions, too. Then, start thinking about style — modern, traditional, old-school — and color."
FaGalde points to two recent makeovers she completed in Sacramento, Calif. A typical home in the Pocket area needed a radical update for its kitchen and three bathrooms. A Land Park house started with a termite invasion and ended up with a remodeled family/living/dining room.
"The Pocket house was a real challenge," she said. "The bathrooms all had walls separating the toilet area. They had a closed-in feeling, the style of homes 25 years ago. And the rooms were so dark."
The answer: "We knocked down walls, gutted to zero and started from scratch," she said. "We added new lighting. It made a huge difference."
In the aftermath of fixing termite damage, the Land Park homeowners started with paint and flooring, but then decided to update with new window coverings, crown molding and fireplace tile.
"It really transformed the space," FaGalde said.
Lighting is key, "especially in older homes," she added. "They're too dark. Lighting enhances your space and shows off the investment you put into it. You spend money on paint and flooring, you want to be able to see it."
"Most people have furniture that was given them. They never would have bought it," he said. "It becomes an obligation and very unfair," Payne said. "Instead, people should surround themselves with things they love. And remember: Less is more."
Room makeovers are a staple of home and garden media, spurring TV series and online contests.
Based in Los Angeles, Payne currently is serving as a judge of the Big Bad Bedroom Break-Up contest, sponsored by online home goods outlet CSN Stores. More than 6,200 people entered to win a $10,000 makeover of their bedroom. (Vote for your pick at CSN Stores' Facebook page.)
QUICK BEDROOM MAKEOVER
Makeover specialist Michael Payne offers these suggestions:
1. Less is more. An uncluttered bedroom makes for a more restful space. Make use of area under the bed for storage.
2. Remember: It's a bedroom. The bed should be the dominant feature. Other furnishings are secondary, but look better if they match in style, wood and stain.
3. Start with the right bedspread or comforter. Use that to pick up colors for paint and carpeting. The result will be more harmonious.
Others say nothing, and that's a problem, too.
Take the typical bedroom. Michael Payne has seen thousands, just this month.
"The bedroom tends to get forgotten — you spend all your money elsewhere in the house," said Payne, a celebrity interior designer and makeover specialist best known for his "Designing For The Sexes" series on HGTV. "You end up with a totally forgettable room that you don't want your best friend to see."
Helping people find indoor harmony — particularly at affordable prices — is a common challenge for designers. Instead of moving, homeowners are staying put and trying to make the most of their current house.
"This has been the busiest year I've ever had," said Folsom, Calif., interior designer Jennifer FaGalde. "Absolutely, a lot of people are wanting to stay put and put money into their own home instead of moving.
"They're creating a nest within their own space," she added. "People are staying home more now than they did five, 10 years ago. They want a sanctuary where they can relax."
But where to start?
Paint, lighting and flooring are three of the easiest, quickest and least expensive ways to update a room, say the experts.
Arizona Tile's in-house designer Emitt Isaacks advises people to start makeovers with a very basic question: Who lives in your home?
"A retired couple is very different than a family with young kids. They have different needs and considerations," he said. "Don't forget dogs and cats. Pets influence (design) decisions, too. Then, start thinking about style — modern, traditional, old-school — and color."
FaGalde points to two recent makeovers she completed in Sacramento, Calif. A typical home in the Pocket area needed a radical update for its kitchen and three bathrooms. A Land Park house started with a termite invasion and ended up with a remodeled family/living/dining room.
"The Pocket house was a real challenge," she said. "The bathrooms all had walls separating the toilet area. They had a closed-in feeling, the style of homes 25 years ago. And the rooms were so dark."
The answer: "We knocked down walls, gutted to zero and started from scratch," she said. "We added new lighting. It made a huge difference."
In the aftermath of fixing termite damage, the Land Park homeowners started with paint and flooring, but then decided to update with new window coverings, crown molding and fireplace tile.
"It really transformed the space," FaGalde said.
Lighting is key, "especially in older homes," she added. "They're too dark. Lighting enhances your space and shows off the investment you put into it. You spend money on paint and flooring, you want to be able to see it."
"Most people have furniture that was given them. They never would have bought it," he said. "It becomes an obligation and very unfair," Payne said. "Instead, people should surround themselves with things they love. And remember: Less is more."
Room makeovers are a staple of home and garden media, spurring TV series and online contests.
Based in Los Angeles, Payne currently is serving as a judge of the Big Bad Bedroom Break-Up contest, sponsored by online home goods outlet CSN Stores. More than 6,200 people entered to win a $10,000 makeover of their bedroom. (Vote for your pick at CSN Stores' Facebook page.)
QUICK BEDROOM MAKEOVER
Makeover specialist Michael Payne offers these suggestions:
1. Less is more. An uncluttered bedroom makes for a more restful space. Make use of area under the bed for storage.
2. Remember: It's a bedroom. The bed should be the dominant feature. Other furnishings are secondary, but look better if they match in style, wood and stain.
3. Start with the right bedspread or comforter. Use that to pick up colors for paint and carpeting. The result will be more harmonious.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
New South Portland Listing
John Hatcher
Keller Williams Realty - The Hatcher Group
6 Deering Street Portland, Maine 04101
207-775-2121 Office 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Wednesday, October 13, 2010
Research, Planning & Patience
We have learned, over the years, that the key to success in kitchen remodeling is research, research, and more research. Every local library has reference books on cabinetry and kitchen design. Some of the books might not show the most up-to-date styles, but the basic rules or design are the same. Most home decor magazine publishers offer special editions on kitchens and baths that detail current designs. Many kitchen appliance manufacturers produce magazines, brochures, or books with magnificent photos of kitchens. Check out SubZero’s books available for sale and online designs. And, of course, the Internet has voluminous material on kitchen design, cabinets, cabinet construction, finishes, and woods, as well as lists of suppliers.
When researching cabinets, use all your resources: small kitchen and bath stores, local home centers, and the Internet. Don’t forget to ask your friends and neighbors; a reputable local cabinet supplier may be right in your neighborhood. Kitchen stores and home centers will measure your kitchen and help you design a plan. You will have to measure your kitchen yourself if you work with online suppliers, but they will also offer design plans and tips. We purchased two of our kitchens from a local discount cabinet store that supplied many of the builders in our area. We purchased two other kitchens from an Internet source. Although buying on the Internet requires more knowledge and involvement on the part of the homeowner, we found that our online suppliers provided a better value. And remember that installing the cabinets yourself can save you money. The Internet and the library are excellent sources for installation techniques.
Before you finalize your plan, study the kitchen that you already have. Consider where the plumbing and electrical fixtures are and decide whether you need to move them. Many times, the existing floor plan and placement of appliances will work fine in a new kitchen. The least expensive way to remodel is to keep these items where they are, but moving them is not an insurmountable challenge. Note where you might want to add additional electrical fixtures, such as under-counter lighting or outlets for mixers, toasters, or microwaves. Each year when we have our Polish Christmas and are frying tons of pierogies, I’m so happy we ran extra power to designated outlets for electric frying pans! Once your old cabinets are removed, you will want to run these electrical wires prior to installing the new cabinets. Also, consider upgrading the insulation in the outside walls that will be behind the new cabinets. Yes, it means removing and replacing wallboard, but this is your opportunity to improve temperature control in areas where you will be storing food products or baking supplies.
For your own sanity, be cautious about when you remove your old cabinets. New cabinets can take as long as six to eight weeks, sometimes even ten weeks, to be delivered. Leave your old cabinets in place as long as possible. Otherwise you will be living and cooking in a construction zone for several weeks. Or going out to dinner every night, which may not be the worst alternative!
I’m not going to get into heavy detail about cabinets, because you can find out everything you ever wanted to know about cabinets online.
Sites like www.kitchen-cabinets-and-hardware.com, www.home-style-choices.com, www.thisoldhouse.com, or www.bobvila.com are just a few of the great resources available on the subject. Most base kitchen cabinets are 34.5 inches high and 24 inches deep, except for handicap installations; most upper cabinets are 30 to 40 inches tall and only 12 inches deep. Stock “off the shelf” cabinets come in standard sizes and are normally built in three-inch increments from as narrow as 9 inches to as wide as 42 inches. They are completely factory built. Stock cabinets offer good design and conservative cost. Semi-custom cabinets are also factory-built in standard sizes, but can offer additional options for storage, design, and style. Custom cabinets are individually constructed to owner or designer specifications or built on-site. Custom cabinets are obviously the most expensive cabinets but provide the most individuality.
Cabinet boxes can be constructed of ½-inch-thick or ¾-inch-thick materials. The material they are made of is as important as the thickness. Boxes can be made of solid wood; an engineered wood product like particle board, medium density fiberboard (MDF), or plywood; or plastic. From our own experience, particle board does not hold screws well. They can pull out over time, requiring you to readjust doors or drawers or even shelves. And remember, the phrase “all wood” does not mean that the box is made of solid wood, but, rather, that is it made of wood products. Plywood and solid wood provide a rigid and stable cabinet box that will last for years.
So, remember to do your research before you order your cabinets. Learn all your alternatives. With a little forethought and homework, you will achieve a kitchen that you will love and that will serve you well for years.
Originally posted HERE at Your Home and Lifestyle
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Tuesday, October 12, 2010
Weak Jobs Data Helps Mortgage Rates
Weak Employment data and increased expectations for Fed monetary easing were favorable for mortgage rates this week. Investors have priced in a high likelihood of additional Treasury security purchases by the Fed, which would increase demand for mortgage-backed securities (MBS). As a result, mortgage rates declined to a new record low.
While the private sector performed relatively well, Friday's Employment data revealed net job losses and stagnant wage growth in September. Against consensus forecast for a loss of 5K jobs, the economy lost 95K jobs. The weakness was seen mostly in the government sector, as state and local governments continued to shed jobs. The private sector actually added 64K, which was close to expectations. The Unemployment Rate remained at 9.6%. A broader measure, which also includes the underemployed, rose from 16.7% in August to 17.1%, matching the high reached in April. Average Hourly Earnings, a proxy for wage growth, was unchanged from August.
The Fed's recent announcement that it may purchase additional Treasury securities (quantitative easing) to stimulate the economy has magnified the importance of economic news and increased daily volatility. Investors now evaluate each fresh piece of data in terms of its expected impact on Fed policy, and mortgage rates receive an extra benefit from weaker than expected data. In general, weaker economic growth leads to lower future inflation, which is favorable for mortgage rates. In addition, investors now expect higher levels of bond purchases by the Fed after weak data, and
the increased demand also would be positive for mortgage rates. Of course, stronger than expected economic news will have the opposite effect and will push rates higher more quickly than usual.
Also Notable:
- August Pending Home Sales, a leading indicator, rose 4% from
July - The Bank of Japan (BOJ) unexpectedly cut interest rates
nearly to zero - The Treasury will auction $66 billion in 3-yr, 10-yr, and
30-yr securities next week - Oil prices climbed above $83 per barrel, to the highest level
since May
The most significant economic data this week will be the monthly inflation reports. The Producer Price Index (PPI) focuses on the increase in prices of "intermediate" goods used by companies to produce finished products and will come out on Thursday. The Consumer Price Index (CPI), the most closely watched monthly inflation report, will come out on Friday. CPI looks at the price change for those finished goods which are sold to consumers. In addition, the detailed FOMC Minutes from the September 21 Fed meeting will be released on Tuesday. Retail Sales, an important indicator of economic growth, will be released on Friday. Retail Sales account for about 70% of economic activity. Empire State, the Trade Balance, Import Prices, and Consumer Sentiment will round out the week. There will be Treasury auctions on Tuesday, Wednesday, and Thursday.Mortgage markets were closed on Monday for Columbus Day.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Monday, October 11, 2010
Jewels of the Dry-Climate Garden
Each year at the Northwest Flower & Garden Show held in Seattle, the nation’s best speakers and authors on gardening topics gather to inspire, educate, entertain, and encourage show-goers to try new things during the upcoming gardening season.
So it was with an eye toward learning more about gardening with hundreds of varieties of succulents that I attended award-winning garden writer Debra Lee Baldwin’s presentation on her new book, Succulent Container Gardens: Design Eye-Catching Displays with 350 Easy-Care Plants.
Many clients for whom I design residential gardens wish to lower their care and water requirements or have restricted space on small patios or decks. So this seemed like a perfect way to answer their concerns, while bringing lively plant combinations together with beautiful containers, offering all the pleasures of in-ground gardening at a more relaxed pace.
“If you are time stressed, are frequently away from home, or have limited mobility, succulents enable you to garden on your own terms,” comments Baldwin. She no longer bothers neighbors to tend her container gardens while she is away because succulents can easily survive several weeks without any attention whatsoever! If all this sounds like a gardener’s dream, read on, because there are so many options available with succulent varieties. “Overall,” Baldwin says, “I’ve found no other plants to be as trouble-free.”
Not everyone is as fortunate as Baldwin, who gardens in southern California’s balmy USDA zone 10, which is one of the reasons she wrote this colorfully photographed book on container gardens.
“Readers of my first book, Designing with Succulents, have shown me that people everywhere are eager to grow these easy-care plants,” says Baldwin. “But many beautiful succulents—such as kalanchoes from Madagascar, aeoniums from the Canary Islands, and Haworthias from South Africa—are frost tender and thrive outdoors year-round only in zones 9 and 10. Container culture offers an ideal solution: anyone, anywhere, can grow succulents in pots, which can be sheltered indoors.” Also, gardening in containers allows you to take your treasured specimens with you, should you move to another home one day.
Baldwin’s book is neatly divided into four parts to take you from novice to seasoned enthusiast. In Part One, you’ll learn how to select containers that will enhance the wide variety of sculptural, strongly designed leaf shapes offered by this genus. Part Two presents a specialized palette of more than one hundred genera, 275 species, and ninety varieties of succulents that are perfect for growing in containers.
Read more HERE at Home By Design.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Sunday, October 10, 2010
Absentee Ballots & Columbus Day Trash Collection
Absentee Ballots Now Available
All Portland voters can vote by absentee ballot for the November 2nd election. Registered voters can request an absentee ballot by phone, fax, email (http://www.maine.gov/cgi-bin/online/AbsenteeBallot/index.pl), or in person at the City Clerk’s Office. Voters voting by absentee ballot will receive a state ballot and two city ballots, and should review the instructions included with the absentee ballot before voting. All ballots in this election are double-sided. To date, more than 1700 voters of which 600 are participants in the state’s on-going absentee ballot status pilot program have requested absentee ballots for this year’s election.
Voters have the option of voting absentee in person at the City Clerk’s office during regular office hours and are encouraged not to wait until the week before the election as lines may be long.
College students interested in voting this election should consider applying for an absentee ballot. Parents visiting a college student may request a ballot in writing and bring it to their child at school. The ballot can be sent back with the parents after voting or returned by mail. When mailing an absentee ballot, make sure to post the ballot with enough time to ensure that it is received by the City Clerk by 8:00 PM of Election Day.
To receive an absentee ballot, you must be a registered voter. To register to vote in Portland, you must bring identification and proof of Portland residency to the City Clerk’s office. A driver’s license or state identification card with the current address meets both criteria, otherwise, a checkbook, car registration, or a piece of personal mail addressed to the applicant at the current address will suffice. On Election Day, Portland residents can register to vote at their polling place.
For up-to-date information about voting this November, visit www.portlandvoters.com or call the city’s voter hotline at 874-8676.
No Trash Collection Columbus Day
The Department of Public Services Solid Waste crews will not collect trash or recycling on Columbus Day, October 11th. Residents who normally receive collection services on Monday will have their trash and recycling collected the Saturday before, October 9th. Residents of Peaks Island, Great Diamond Island, Little Diamond Island and Cliff Island will have their recycling and trash collection the following day, Tuesday, October 12th. All items should be out by 6:30 AM to ensure collection. If residents have further questions about their trash/recycling collection, they can contact the Recycling Hotline at 756-8189.
The Riverside Recycling Facility will be closed on Columbus Day as well, and will resume normal business hours on Tuesday, October 12th, 7:00 AM to 4:00 PM.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Thursday, October 7, 2010
Fire Prevention Open House at the Portland Fire Museum
The City of Portland’s Fire Department, IAFF Local 740 and the Portland Veteran Firemen’s Association will host the eighth annual Fire Prevention Open House at the Portland Fire Museum October 9th. Visitors will have the opportunity to view historic films including footage from 1912 of Portland fire stream engines, check out a display of a steam engine on loan from the Manchester Fire Department, get up close to Big Red – the Big Foot Ladder Truck, and explore fire apparatus and new training equipment, the Driving Emergency Simulator and Mobile Sprinkler Alarm Trainer, outside the museum along Spring Street . At 11:30 AM, people can enjoy a performance by the Claddagh Mhor Pipe Band.
The open house is a family-friendly event. Children and parents will have the opportunity to tour the museum and learn tips on how to make their homes safer. Children will enjoy the chance to see live fire horses in the museum just as they were in the 1800’s – ready to respond from the original stalls. Visitors who wish to bring the fire horses a treat should consider carrots or apples. Fire helmets will be given to children entering the museum. Fire Prevention material will also be on hand for visitors to take home.
A suggested donation of $5 for adults and $3 for children will support continued operation of the museum. For more information, contact the Portland Fire Museum at 772-2040. The Portland Fire Museum is open to the public the first Friday of every month from 6:00 PM to 8:00 PM.
TRAFFIC ADVISORY – Spring Street from Park Street to State Street will be closed to all vehicle traffic from 9:30 AM to 3:30 PM to allow families a safe area to view the displays and enjoy the music.
When: Saturday, October 9, 2010
10:00 AM - 3:00 PM
11:30 AM – Noon Claddagh Mhor Pipe Band performs
Where: Portland Fire Museum
157 Spring Street, Portland
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Wednesday, October 6, 2010
Fear Can Lead to Poor Financial Choices
Life is full of emotions, but fear can hurt the most. It is strong enough to change a whole community and way of life. And when it comes to money, it's no different. Fear controls the pocketbook, and too often it gets in the way of financial success.
There are three ways fear can grip an investor.
First, there is the fear of losing money. Many people choose safe investments because they don't want to lose money by taking a risk with stocks. Taking this approach can eliminate that fear, but in the long term it hurts the pocketbook. The safer those investments, the lower the investment gain. Then when inflation goes up 3 percent, the safe investment earning 2 percent does not provide enough to pay the higher costs, and the money runs out sooner.
Second, there is the fear of not gaining money. This type of fear is more common in younger investors. They worry what they are doing will not provide enough profit to improve their lifestyle. Younger investors often like to compare investment returns. They fear they will not gain enough to outdo a friend and therefore they would not have enough to spend on luxuries. These investors want to make a lot of money by being greedy, investing in high-risk stocks or in a new business. This fear can end up hurting if the extra risk leads to big losses. Investments that have the best potential for gain often carry the biggest potential for loss.
Third, there is the fear of running out of money. Everyone has this fear, either by spending too much or outliving a retirement stash. An income may vanish, or an investment may fail. This fear can result in damaging frugality. This fear can be overcome by saving as much as possible while young to build an adequate retirement fund and sticking to a budget to cut out unneeded expenses.
Properly diversifying those savings can improve the chances of increasing that pot. This also can eliminate the fear of losing money, because enough was saved to afford a loss, and the fear of not gaining money, because the longer it is invested properly, the more gain is possible.
Take a look at your fears and determine what action — saving more, diversifying risk or sticking to a budget — you need to take to make money less fearful.
There are three ways fear can grip an investor.
First, there is the fear of losing money. Many people choose safe investments because they don't want to lose money by taking a risk with stocks. Taking this approach can eliminate that fear, but in the long term it hurts the pocketbook. The safer those investments, the lower the investment gain. Then when inflation goes up 3 percent, the safe investment earning 2 percent does not provide enough to pay the higher costs, and the money runs out sooner.
Second, there is the fear of not gaining money. This type of fear is more common in younger investors. They worry what they are doing will not provide enough profit to improve their lifestyle. Younger investors often like to compare investment returns. They fear they will not gain enough to outdo a friend and therefore they would not have enough to spend on luxuries. These investors want to make a lot of money by being greedy, investing in high-risk stocks or in a new business. This fear can end up hurting if the extra risk leads to big losses. Investments that have the best potential for gain often carry the biggest potential for loss.
Third, there is the fear of running out of money. Everyone has this fear, either by spending too much or outliving a retirement stash. An income may vanish, or an investment may fail. This fear can result in damaging frugality. This fear can be overcome by saving as much as possible while young to build an adequate retirement fund and sticking to a budget to cut out unneeded expenses.
Properly diversifying those savings can improve the chances of increasing that pot. This also can eliminate the fear of losing money, because enough was saved to afford a loss, and the fear of not gaining money, because the longer it is invested properly, the more gain is possible.
Take a look at your fears and determine what action — saving more, diversifying risk or sticking to a budget — you need to take to make money less fearful.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Tuesday, October 5, 2010
Analysis: One-Third of Americans Highly Unlikely to Qualify for a Mortgage Today
Nearly one-third of Americans are unlikely to qualify for a mortgage because their credit scores are too low, making homeownership out of reach for many. This is according to an analysis of more than 25,000 loan quotes and purchase requests on Zillow Mortgage Marketplace during the first half of September.
Borrowers with credit scores under 620 who requested purchase loan quotes for 30-year fixed, conventional loans were unlikely to receive even one loan quote on Zillow Mortgage Marketplace, even if they offered a relatively high down payment of 15 to 25 percent. Nearly one-third of Americans, or 29.3 percent, has a credit score this low, according to data provided by myFICO.com.
Meanwhile, the lowest interest rates went to mortgage borrowers who were among the 47 percent of Americans with excellent credit scores of 720 or above.
In the first half of September, borrowers with credit scores of 720 or above got an average low annual percentage rate (APR) of 4.3 percent for conventional 30-year fixed mortgages. Borrowers with mid-range credit scores between 620 and 719 received APRs between 4.73 and 4.44 percent, with the APR rising as credit score drops. Those with credit scores below 620 received too few loan quotes to calculate average low APR.
For those with mid-range credit scores of 620 to 719, improving one's credit score can mean a significant savings in interest over time. For each 20-point credit score increase, the average low APR declines 0.12 percent, which for a $300,000 home, with a 20 percent down payment, equates to a savings of $6,400 over the life of a 30-year loan.
"We are in an era of historically low mortgage rates, reaching levels not seen in decades. Coupled with four years of home value declines, homes are more affordable than we've seen for years. But the irony here is that so many Americans can't qualify for these low rates, or can't qualify for a mortgage at all," said Zillow Chief Economist Dr. Stan Humphries. "Four years ago, in the era of easy-to-get subprime loans, many borrowers with low scores did buy homes, which in turn helped contribute to a housing bubble. Today's tighter credit is a predictable response by banks after the foreclosure crisis, but also keeps a cap on housing demand, which is important for the greater housing market recovery."
Borrowers with credit scores under 620 who requested purchase loan quotes for 30-year fixed, conventional loans were unlikely to receive even one loan quote on Zillow Mortgage Marketplace, even if they offered a relatively high down payment of 15 to 25 percent. Nearly one-third of Americans, or 29.3 percent, has a credit score this low, according to data provided by myFICO.com.
Meanwhile, the lowest interest rates went to mortgage borrowers who were among the 47 percent of Americans with excellent credit scores of 720 or above.
In the first half of September, borrowers with credit scores of 720 or above got an average low annual percentage rate (APR) of 4.3 percent for conventional 30-year fixed mortgages. Borrowers with mid-range credit scores between 620 and 719 received APRs between 4.73 and 4.44 percent, with the APR rising as credit score drops. Those with credit scores below 620 received too few loan quotes to calculate average low APR.
For those with mid-range credit scores of 620 to 719, improving one's credit score can mean a significant savings in interest over time. For each 20-point credit score increase, the average low APR declines 0.12 percent, which for a $300,000 home, with a 20 percent down payment, equates to a savings of $6,400 over the life of a 30-year loan.
"We are in an era of historically low mortgage rates, reaching levels not seen in decades. Coupled with four years of home value declines, homes are more affordable than we've seen for years. But the irony here is that so many Americans can't qualify for these low rates, or can't qualify for a mortgage at all," said Zillow Chief Economist Dr. Stan Humphries. "Four years ago, in the era of easy-to-get subprime loans, many borrowers with low scores did buy homes, which in turn helped contribute to a housing bubble. Today's tighter credit is a predictable response by banks after the foreclosure crisis, but also keeps a cap on housing demand, which is important for the greater housing market recovery."
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Monday, October 4, 2010
Poll: Nine in 10 U.S. Homeowners Concerned About Home Energy Efficiency
Home energy efficiency is valued by the vast majority of American homeowners, with 89 percent of national survey respondents indicating that making their home more energy efficient is important to them personally.
Key findings from the September 2010 national survey include:
* Less than one in three homeowners believe their homes are "very" energy efficient
* While the majority reported knowing "a lot" about how to make their homes energy efficient, they mistakenly identified "older windows" as the top energy-loss culprit
* 90% said it is important to have a professional energy auditor who is "certified by an independent national organization"
"These findings are a call to action to the industry to help consumers tap into the true value of an independent energy audit," said Steve Baden, executive director, RESNET. "While the benefits of window replacement are obvious, it is often a less visible and less expensive repair – for example, sealing cracks around air conditioning and heating ducts – that can significantly improve a home's energy efficiency and cut homeowners' utility bills."
D.C.-based Clarus Research Group, a Qorvis company, conducted a market survey of 800 U.S. homeowners(1) on behalf of RESNET, an industry leader in the energy efficiency marketplace. The sample was defined as adults over 21 years of age who currently own a home or plan to purchase one within the next year. The survey was conducted by Ron Faucheux, Ph.D., president of Clarus and a nationally recognized research and polling expert.
Key among other survey findings:
* 86% of homeowners would trust an energy audit performed by someone who was "certified by an independent national organization" over someone who was not
* 80% of those surveyed said that if they were in the market to buy a home, an energy audit conducted by an "unbiased professional" would be important to them
Key findings from the September 2010 national survey include:
* Less than one in three homeowners believe their homes are "very" energy efficient
* While the majority reported knowing "a lot" about how to make their homes energy efficient, they mistakenly identified "older windows" as the top energy-loss culprit
* 90% said it is important to have a professional energy auditor who is "certified by an independent national organization"
"These findings are a call to action to the industry to help consumers tap into the true value of an independent energy audit," said Steve Baden, executive director, RESNET. "While the benefits of window replacement are obvious, it is often a less visible and less expensive repair – for example, sealing cracks around air conditioning and heating ducts – that can significantly improve a home's energy efficiency and cut homeowners' utility bills."
D.C.-based Clarus Research Group, a Qorvis company, conducted a market survey of 800 U.S. homeowners(1) on behalf of RESNET, an industry leader in the energy efficiency marketplace. The sample was defined as adults over 21 years of age who currently own a home or plan to purchase one within the next year. The survey was conducted by Ron Faucheux, Ph.D., president of Clarus and a nationally recognized research and polling expert.
Key among other survey findings:
* 86% of homeowners would trust an energy audit performed by someone who was "certified by an independent national organization" over someone who was not
* 80% of those surveyed said that if they were in the market to buy a home, an energy audit conducted by an "unbiased professional" would be important to them
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Saturday, October 2, 2010
Trends for Home: Romancing Shabby-Chic Style
Carol Turner had a 20-year career as a high-powered pharmaceutical saleswoman. But at heart, she was always a romantic.
"I love soft colors, roses, ruffles, beads, chandeliers. I love the romance of things that are old and repurposed and have a history," said Turner, who lives in charming cottage (what else?) on a brick-paved lane near downtown Orlando, Fla.
Even her cat, Billie, is a soft, fluffy Ragdoll breed with China-blue eyes.
Since retiring in March 2009, Turner has transformed her home into a showpiece of shabby-chic style, filling it almost entirely with refurbished thrift-shop finds and with accessories she's crafted herself. She also has found ways to share her love of romantic decor with other aficionados — first at a booth in the Orange Tree Antiques Mall in Winter Park, Fla., then via an online store and blog, and now through an article in the just-published September issue of Romantic Home magazine.
The two-page spread in the "Make it" section of the magazine features Turner's framed vintage paper dolls. The whimsical collages were a natural fit for the magazine, said editorial director Jacqueline de Montravel.
"What Romantic Homes readers share is a love for all things nostalgic," de Montravel said. "Carol's vintage dolls recall a treasured time when one-of-a-kind things captured a girl's imagination. Quite simply, they put a smile on the face."
Turner, who grew up in Minnesota, remembers sitting on the porch with her friends, playing with paper dolls through the long summer days. Her collection of vintage figurines and tabbed paper clothing "evokes so many precious childhood memories."
She is thrilled to have her handiwork featured in her favorite magazine. But business smarts, not serendipity, won her that prize. "I made a business plan like I had done for the past 20 years," she said.
Last October, she used her skills in sales and marketing to open The Polka Dot Closet (thepolkadotcloset.com), selling online the items she creates in her spare bedroom. Six months later, she launched her blog (thepolkadotcloset.blogspot.com), sharing "DIY tips, tricks and secrets" with her readers, who already number more than 200.
The third part of her plan — to be published — took a concerted networking effort. The moment her work caught the eye of a Romantic Home editor, she shifted into high gear.
"I stayed up all night, shooting pictures and writing copy. In the morning I went to my spinning class, and when I got home there was an e-mail from the editor asking for more pictures, more information. And now here I am — published," she said, indicating a pile of magazines atop a wine rack in her living room.
The wine rack is a gift from her son, but almost all the other furnishings in her home are throwaway pieces found in thrift shops, antiques stores or abandoned curbside. Turner fixes them up, paints them white and uses her sander to give them a distressed finish. She adds flower-patterned pillows to furniture, beaded braid to lampshades, hand-crafted rosebuds to chandeliers and crystals to candlesticks.
Her garage houses an impressive array of power tools, and she takes repairs and remodeling in stride. In her hands, a damaged fireplace becomes the centerpiece of her living room, a child's toy box is turned into an ottoman. She learned "just by doing it," she said. "I'm not afraid of tools."
Her love of the shabby-chic style evolved over time. "The more vintage pieces I added, the more I loved my home," she said. But being "compulsive-obsessive about avoiding clutter," she uses more restraint than many devotees of romantic decor.
As a result, her home, with its spring-green walls, polished wood floors and carefully-edited furnishings in white and rose-pink, is a lot more chic than shabby.
"I love soft colors, roses, ruffles, beads, chandeliers. I love the romance of things that are old and repurposed and have a history," said Turner, who lives in charming cottage (what else?) on a brick-paved lane near downtown Orlando, Fla.
Even her cat, Billie, is a soft, fluffy Ragdoll breed with China-blue eyes.
Since retiring in March 2009, Turner has transformed her home into a showpiece of shabby-chic style, filling it almost entirely with refurbished thrift-shop finds and with accessories she's crafted herself. She also has found ways to share her love of romantic decor with other aficionados — first at a booth in the Orange Tree Antiques Mall in Winter Park, Fla., then via an online store and blog, and now through an article in the just-published September issue of Romantic Home magazine.
The two-page spread in the "Make it" section of the magazine features Turner's framed vintage paper dolls. The whimsical collages were a natural fit for the magazine, said editorial director Jacqueline de Montravel.
"What Romantic Homes readers share is a love for all things nostalgic," de Montravel said. "Carol's vintage dolls recall a treasured time when one-of-a-kind things captured a girl's imagination. Quite simply, they put a smile on the face."
Turner, who grew up in Minnesota, remembers sitting on the porch with her friends, playing with paper dolls through the long summer days. Her collection of vintage figurines and tabbed paper clothing "evokes so many precious childhood memories."
She is thrilled to have her handiwork featured in her favorite magazine. But business smarts, not serendipity, won her that prize. "I made a business plan like I had done for the past 20 years," she said.
Last October, she used her skills in sales and marketing to open The Polka Dot Closet (thepolkadotcloset.com), selling online the items she creates in her spare bedroom. Six months later, she launched her blog (thepolkadotcloset.blogspot.com), sharing "DIY tips, tricks and secrets" with her readers, who already number more than 200.
The third part of her plan — to be published — took a concerted networking effort. The moment her work caught the eye of a Romantic Home editor, she shifted into high gear.
"I stayed up all night, shooting pictures and writing copy. In the morning I went to my spinning class, and when I got home there was an e-mail from the editor asking for more pictures, more information. And now here I am — published," she said, indicating a pile of magazines atop a wine rack in her living room.
The wine rack is a gift from her son, but almost all the other furnishings in her home are throwaway pieces found in thrift shops, antiques stores or abandoned curbside. Turner fixes them up, paints them white and uses her sander to give them a distressed finish. She adds flower-patterned pillows to furniture, beaded braid to lampshades, hand-crafted rosebuds to chandeliers and crystals to candlesticks.
Her garage houses an impressive array of power tools, and she takes repairs and remodeling in stride. In her hands, a damaged fireplace becomes the centerpiece of her living room, a child's toy box is turned into an ottoman. She learned "just by doing it," she said. "I'm not afraid of tools."
Her love of the shabby-chic style evolved over time. "The more vintage pieces I added, the more I loved my home," she said. But being "compulsive-obsessive about avoiding clutter," she uses more restraint than many devotees of romantic decor.
As a result, her home, with its spring-green walls, polished wood floors and carefully-edited furnishings in white and rose-pink, is a lot more chic than shabby.
Originally posted HERE at RIS Media.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
Friday, October 1, 2010
As Fall Begins, so Should Mulching
Mulch in the garden provides you with benefits you may not always see.
In addition to deterring weeds, conserving moisture and making your garden look pretty, mulch decomposes to improve your soil and provides a habitat for beneficial micro-organisms and earthworms.
Mulch also helps prevent soil compaction, soil erosion and pollution runoff.
You can mulch any time of the year. If you mulch in spring, fall can be a time to replenish mulch to help stabilize roots during freezing and thawing times in winter.
Mulches can be organic or inorganic.
Organic types include tree bark, wood chips, recycled wood and paper, grass clippings, pine needles, straw, leaf litter, newsprint and animal manure. Check with composting facilities in your area to see if yard debris and leaves are recycled into mulch you can purchase for your yard.
Designer mulches created from pallet or hardwood material and dyed brown, red, black, chestnut, walnut and golden are available in bulk and bagged from commercial mulching sites and garden centers if you want staying power in your color choice.
If you use grass clippings, spread them immediately to avoid heating and rotting.
If you use newsprint, apply four to six sheets together, anchored with grass clippings or wood mulch to prevent blowing away.
If you use fallen leaves, use a mulching mower to turn them into a finer material that decomposes quicker; cover them with a light layer of heavier wood mulch to keep the leaves in place. A light layer of mulched leaves is also beneficial for your lawn, and will not smother the grass.
Inorganic kinds include crushed stone, gravel, plastic sheeting, landscape fabric and recycled tire chips. Beware of some of these because they can harbor too much heat and moisture around plants, and can be difficult to keep clean.
MORE MULCHING MATTERS
Apply mulch 2 to 4 inches deep; deeper mulch benefits sandy soils that dry out quickly while moist soils need a lighter layer.
Remove old mulch before applying new to avoid a "sinking feeling" for your plants. Too much mulch suffocates plant roots. Work old, aged mulch into new gardens to improve soil.
Keep mulch 3 to 6 inches away from building foundations and away from the base of tree and shrub trunks. Rodents nesting in mulch may chew on bark; mulch too close to your home's foundation could cause the soil to stay too moist.
Acidic mulch like pine bark and pine needles is ideal around acid-loving plants such as azaleas, rhododendrons, camellias and gardenias.
Hardwood mulches are also beneficial in vegetable gardens. Use them to camouflage soaker hoses that you leave laying on the ground for convenience.
Instead of annually adding mulch to your garden, use a small rake to "fluff" up existing mulch for a fresh look.
In addition to deterring weeds, conserving moisture and making your garden look pretty, mulch decomposes to improve your soil and provides a habitat for beneficial micro-organisms and earthworms.
Mulch also helps prevent soil compaction, soil erosion and pollution runoff.
You can mulch any time of the year. If you mulch in spring, fall can be a time to replenish mulch to help stabilize roots during freezing and thawing times in winter.
Mulches can be organic or inorganic.
Organic types include tree bark, wood chips, recycled wood and paper, grass clippings, pine needles, straw, leaf litter, newsprint and animal manure. Check with composting facilities in your area to see if yard debris and leaves are recycled into mulch you can purchase for your yard.
Designer mulches created from pallet or hardwood material and dyed brown, red, black, chestnut, walnut and golden are available in bulk and bagged from commercial mulching sites and garden centers if you want staying power in your color choice.
If you use grass clippings, spread them immediately to avoid heating and rotting.
If you use newsprint, apply four to six sheets together, anchored with grass clippings or wood mulch to prevent blowing away.
If you use fallen leaves, use a mulching mower to turn them into a finer material that decomposes quicker; cover them with a light layer of heavier wood mulch to keep the leaves in place. A light layer of mulched leaves is also beneficial for your lawn, and will not smother the grass.
Inorganic kinds include crushed stone, gravel, plastic sheeting, landscape fabric and recycled tire chips. Beware of some of these because they can harbor too much heat and moisture around plants, and can be difficult to keep clean.
MORE MULCHING MATTERS
Apply mulch 2 to 4 inches deep; deeper mulch benefits sandy soils that dry out quickly while moist soils need a lighter layer.
Remove old mulch before applying new to avoid a "sinking feeling" for your plants. Too much mulch suffocates plant roots. Work old, aged mulch into new gardens to improve soil.
Keep mulch 3 to 6 inches away from building foundations and away from the base of tree and shrub trunks. Rodents nesting in mulch may chew on bark; mulch too close to your home's foundation could cause the soil to stay too moist.
Acidic mulch like pine bark and pine needles is ideal around acid-loving plants such as azaleas, rhododendrons, camellias and gardenias.
Hardwood mulches are also beneficial in vegetable gardens. Use them to camouflage soaker hoses that you leave laying on the ground for convenience.
Instead of annually adding mulch to your garden, use a small rake to "fluff" up existing mulch for a fresh look.
Keller Williams Realty - The Hatcher Group
6 Deering Street | Portland, Maine 04101
207-775-2121 Office | 207-775-2122 Fax
http://JohnHatcher.us
John@JohnHatcher.us
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