Tag: 231109

Quality of Life 23/11/09

Paying the bills

Doxo’s latest report, featured on CNBC and titled “Which Largest U.S. Cities are Most Expensive for Household Bills in 2023?,” found that the average household in Manchester spends $2,276 monthly, or $27,306 annually, on the 10 most common household bills — an amount that is 11.2 percent higher than the national average of $2,046. The report, which includes cost of living data for more than 4,000 U.S. cities, reveals that Manchester households allocate 44 percent of their annual income, which averages $62,415, to these bills.

QOL score: -2

Comment: Looking statewide, Manchester places as the No. 13 most expensive city in New Hampshire; Bedford takes the No. 1 spot.

Housing shortage

New Hampshire faces a severe housing shortage, NH Business Review reported, ranking fourth in the nation according to Up for Growth’s report, which highlights the state’s critical need for both owned and rental properties. The report cites a requirement for 31,000 housing units in New Hampshire, significantly higher than local estimates. This issue is exacerbated by restrictive zoning and construction challenges, as detailed in the Zoning Atlas by the Center for Ethics in Society at Saint Anselm College and other state agencies. The Atlas reveals the extensive limitations in New Hampshire’s zoning regulations, impacting the development of affordable workforce housing.

QOL score: -2

Comment: This housing crisis is further underscored by data from the New Hampshire Association of Realtors, showing a drastic decline in housing affordability, with the state’s median household income now only 59 percent of what’s needed to afford a median-priced home.

A smooth election day?

For the Nov. 7 election, which had just begun at press time, the City of Manchester implemented several initiatives to encourage voter participation. According to a press release, electronic voter checklists, successfully trialed during the September municipal primary, were used in all city wards to streamline the voting process, reducing check-in times to an average of 13 seconds per voter. Additionally, the Manchester Transit Authority (MTA) offered free rides to and from the polls on local fixed bus routes. To use the free service, residents informed bus drivers that they were commuting to or from the polls, a benefit exclusive to local routes and not applicable to intercity buses.

QOL score: +1

Comment: Similar free Election Day transit services were also provided in neighboring communities such as Dover, Rochester and Portsmouth through the COAST public transit system.

QOL score: 91
Net change: -3
QOL this week: 88

What’s affecting your Quality of Life here in New Hampshire?
Let us know at [email protected].

Eovaldi rolls in playoffs

The Big Story – The final dagger was plunged into the back of the Chaim Bloom era in Boston by Nate Eovaldi when he concluded a postseason run for the ages with a 4-1 Game 5 win over Arizona to end the World Series. It gave the Texas franchise its first ever world title since being born as the second version of the Washington Senators in 1961.

Eovaldi was deemed too expensive by Bloom for the starting pitching-poor Red Sox. He was replaced by the aging and injury-prone Corey Kluber. And by pitching just 56 innings all year while going 3-3 with an un-microscopic 7.04 ERA he was a major nail in Bloom’s coffin.

Meanwhile deep in the heart of Texas Eovaldi went 12-5 in the regular season and made the All-Star team as a prelude to his historic postseason performance, where his team won all six games he started as he went 5-0 with a 2.95 ERA and 41 K’s in 36.2 innings, leaving Red Sox Nation to play the Bob Lobel role and say, ‘Why can’t we get guys like that?’

Mark Ferdinando Memorial Sports 101: With his trade from the 76ers to the Clippers last week James Harden became just the second former MVP to be traded four times. Name the first one.

News Item – The ‘Was It Tom Brady or the Coach?’ Debate: Rough week for the coaches’ side. Coach B’s rep took another hit after the latest Patriots game ended in a 20-17 loss to the terrible Washington football team. Then, after getting whacked in Vegas to make it the second time he didn’t make it to the end of Year 2 as a head coach, you’ve got to think that’s all she wrote for Josh McDaniels’ HC career, which puts another notch in Brady’s belt.

Then there was Colin Cowherd reporting on his show the combined record of the Belichick coaching tree — McDaniels, Eric Mangini, Matt Patricia, Joe Judge and Romeo Crennel — wascollectivelyunder .300 lifetime.

News Item – Red Sox Introduce New GM: The gullible among us are buying the rap that new Sox Baseball Ops President Craig Breslow is the smartest intellect in baseball. The skeptics, however, note Bloom was also a Yale man and are thinking of Lou Gorman telling all he hired the equally inexperienced Butch Hobson as manager because a bright young mind like his won’t last long on the open market. And given that both were complete disasters, it makes one wonder if the only reason Breslow got the job is that all the top-tier candidates said thanks but no thanks to working for indecisive Sox owner John Henry.

The Numbers:

11 – wins vs. no losses on the road as Texas roared through the MLB playoffs.

38 – points along with 10 rebounds, two blocks and two assists in the breakout game for giant 7’5” French import Victor Wembanyama when the Spurs downed the Suns 132-121 last week.

80 – amount in millions Las Vegas is paying McDaniels and Jon Gruden not to coach the Raiders

… Of the Week Awards

Halloween Costume: Sen. Mitt Romney and wife Ann went as NFL “It” couple Travis Kelce and Taylor Swift. Didn’t look anything like them, but A for effort for the buttoned-up Mittster.

Thumbs Up – The Celtics: Got to like their 5-0 start while becoming the second team ever to score 500+ points in their first four games of a season.

Thumbs Down – James Harden: Who cares if Danny Granger lost his job only because this me-first creep wanted out of Philly. Right, James? Boooo.

A Little History – Revived Classic Old-Time Quote: It comes from legendarily feisty Indiana Basketball Coach Bobby Knight, who passed away last week at 83. He once told a packed Assembly Hall crowd, “When my time on earth is gone, and my activities here are past, I want they bury me upside down and my critics can kiss my ass.” An on-the-mark personal eulogy if there ever was one. RIP, Bobby.

Sports 101 Answer: The other four-times-traded MVP is the great Bob McAdoo, whose NBA odyssey took him from the Buffalo Braves (now L.A. Clippers) to the Knicks, Celtics, Pistons and eventually L.A., where he was a killer off the bench for the ’80s Showtime Lakers. He also was the guy Pistons GM Dick Vitale (yes that one) gave the two first-round picks for that Red Auerbach turned into Kevin McHale and Robert Parish, leading to three Celtics titles in the ’80s.

Final Thought – Corey Seager’s Mega Deal: I thought Texas was nuts giving the injury-riddled shortstop a 10-year deal, let alone for the whopping price tag of $325 million. Since he only played 119 games in 2023 I’m still iffy on the 10-year part. But in batting .327 with 33 homers and then being World Series MVP as Texas won its first ever world title, he’s paid off so far.

Email Dave Long at [email protected].

In the market?

A real estate attorney discusses homebuying

Matthew W. Neuman, Esq., real estate attorney of Bedford-based Absolute Title, discusses crucial home buying steps, the impact of fluctuating interest rates and his innovative approach to the closing process.

What are the crucial steps a New Hampshire homebuyer should follow before diving into the market?

It’s vital any buyer thinking of … using mortgage financing first reach out to a mortgage lender to verify their mortgage eligibility. With rates higher than the historic lows from a couple of years ago, it’s vital they identify their budget and focus on a realistic purchase price point. … Once you establish that price, they need to seek out a Realtor who will help guide them to only properties in their price range.

How are fluctuating interest rates impacting the average New Hampshire homebuyer?

Interest rates have fluctuated from all-time lows a couple years ago to where they are currently, hovering around 8 percent. These current rates are being characterized as very high when in reality they’re almost exactly equal to the historic average rate since 1971 of 7.75 percent, but as rates increase the consumer’s buying power decreases and prices them out of houses they may have been able to afford two years ago. Unfortunately most consumers are holding onto the memory of the historic rates. … It will be another 12 to 24 months before we see much relief in the area of interest rates, so people need to reset their expectations.

What are some common corners buyers are cutting in the current market, and what potential pitfalls should they be wary of?

If a buyer waives their right to perform a home inspection prior to closing, they run the risk of missing significant structural and mechanical defects in the property that could be addressed and negotiated with the seller. Buying “as is” is just that, and any issues go right along with it and more than likely will have no recourse against the seller. Buyers who waive their rights of due diligence for easements, restriction, covenants, etc., will miss the opportunity to verify there are no restrictions on the property that could potentially impair their intended use of the property, such as ‘no livestock’ for people looking to have chickens.

You’ve been credited with creating proprietary software to aid in the closing process. Can you explain how this technology helps the average buyer?

Historically, buyers were limited to one of two ways to bring their funds to closing: either a wire transfer sent from their bank, or bringing a bank certified check to closing. Both of those options are inconvenient, often costly and highly susceptible to fraud. In 2018 we released AbsolutePay, our proprietary and patented payment platform that allows buyers, sellers, Realtors and lenders to transfer the funds required for a closing from their account to ours easily, safely, securely and for free. They can initiate it in a few minutes from their desktop, laptop, tablet or phone.

How does fraud intersect with real estate, and what are some simple steps buyers can take to protect themselves?

Fraud has become quite rampant in the real estate world. The reliance on email as the preferred form of communication has opened the door for fraudsters to interject themselves into a conversation between the parties of a transaction and then steer the parties to make a fatal mistake, such as providing fraudulent wire instructions, which can then result in the loss of these funds. Wire instructions should never be provided through ‘unsecure’ email and should always be verified over the phone. Picking up the phone and having conversations will help to minimize the risk of fraud. Another fraud situation that has recently grown in popularity is the sale of ‘vacant’ land by someone purporting to be the owner but in reality is a fraudster. They will reach out to a Realtor, usually through email, explaining they live out of state or are on vacation and would like to list their property for sale but they don’t want their neighbors to know they’re selling so they instruct the Realtor to not place a ‘for sale’ sign at the property. Once the property goes under agreement, all correspondence with the seller occurs through email, and if not caught in time, the transaction is completed, resulting in funds being wired to the fraudsters. These situations can be avoided by choosing to work with experienced Realtors and title professionals.

Featured photo: Matthew W. Neuman. Courtesy photo.

News & Notes 23/11/09

Report on aging

The New Hampshire State Commission on Aging (NHCOA) has released its 2022-2023 Annual Report, offering key insights into policy and legislative efforts that aim to enhance the quality of life for New Hampshire’s aging population, according to a press release. Formed in 2019, the 26-member Commission, comprising state legislators, agency representatives and gubernatorial appointees, advises on aging-related policy and planning. The report, reflecting New Hampshire’s status as the second-oldest state in the U.S., focuses on systemic thinking and innovation to support an aging population. “People are living longer, healthier lives and our report provides key insights on numerous policy and legislative efforts over the past year, as well as future recommendations that we believe can continue to improve and enhance the quality of life for all who live in the Granite State,” Susan Ruka, NHCOA Chair, said in the release. The public is invited to review the report online at nhcoa.nh.gov or request a printed copy via email to [email protected]. The Commission’s meetings, including the next one, on Nov. 20 at the New Hampshire Hospital Association in Concord, are open to the public, with remote participation options available.

Historic spots

The New Hampshire Division of Historical Resources recently announced the addition of four notable properties to the New Hampshire State Register of Historic Places, each reflecting important aspects of community life, according to a press release. The Haynes Library in Alexandria Village, dating back to 1894, stands out with its brick exterior and North Carolina pine woodwork. The North Road Schoolhouse / District No. 4 School, a one-room schoolhouse built in 1853-54 in Danbury, now functions as a museum. The Henniker Community Center, originally built in 1834 by the First Baptist Society and known as “the Brick Church,” showcases Gothic Revival features and has been owned by the town since 2002. Lastly, Old New London Village, established in 1962, is an open-air museum that recreates a rural New Hampshire village from the mid-19th century. These additions highlight New Hampshire’s commitment to preserving its historic structures, each telling a unique story of the state’s past. Nominations for the State Register require thorough historical documentation, but listing does not restrict property owners.

Voting news

On Nov. 3, the Hillsborough South Superior Court in Concord granted a motion by the State to dismiss a lawsuit challenging a new voting law, SB 418. According to a press release, the case, 603 Forward, et al. v. David M. Scanlan, et al., was brought by several individual and organizational plaintiffs. SB 418 mandates that voters registering for the first time in New Hampshire on Election Day without adequate proof of identity must vote by “affidavit ballot.” The plaintiffs claimed this law violated various provisions of the New Hampshire Constitution. However, the court ruled that the individual plaintiffs, already registered voters in New Hampshire, lacked standing as they are not subject to the affidavit ballot requirements of SB 418 and did not have taxpayer standing. Additionally, the court determined that the organizational plaintiffs did not have standing based on the “diversion of resources” theory. This dismissal order is not final and may be reconsidered or appealed to the New Hampshire Supreme Court.

Kangaroos?

New Hampshire is considering a bill that would legalize the private ownership and farming of kangaroos, along with other animals like small tailed monkeys, raccoons, foxes, otters and skunks, according to a press release from the Free State Food Network. Proposed by State Rep. Tom Mannion, this initiative, complemented by Representative Michael Granger’s bill for kangaroo farming, aims to offer new opportunities for local food production and sustainable farming practices. Advocates of the bill argue that kangaroo farming requires significantly less water than cattle farming, making it more suitable for small-scale farms and less impactful on the environment. By adding kangaroos to the list of farmable animals, which already includes red deer, bison and elk, New Hampshire could boost its agricultural diversity, create new job opportunities and move closer to food independence, according to the release.

The Flying Yankee

The New Hampshire Department of Transportation (NHDOT) is currently inviting proposals for the acquisition, relocation and recommended preservation of the historic Flying Yankee train, presently situated in Lincoln. Interested parties have until 3 p.m. on Jan. 3, 2024, to submit their proposals. Detailed information, including location maps, inventory forms and draft historic covenants, can be accessed online at dot.nh.gov/projects-plans-and-programs/programs/cultural-resources, under the heading “The Flying Yankee Information and Documentation.” Additionally, there will be an opportunity to inspect the Flying Yankee on Wednesday, Nov. 15, from 10 a.m. to noon in Lincoln, and its trucks and components from 1 to 2:30 p.m. in Twin Mountain on the same day. These inspections will be supervised by NHDOT staff.

Beverly Cotton from Weare was honored with the prestigious Andrus Award for Community Service by AARP New Hampshire at a celebratory luncheon at the Derryfield Country Club in Manchester. According to a press release, this award recognizes individuals over 50 who have made significant contributions to their community, embodying AARP’s vision and mission. Cotton, a dedicated volunteer, has been actively involved with AARP since 2018, contributing in various capacities including advocacy, election support and as a member of the Speakers Bureau.

The Millyard Museum in Manchester is opening an exhibition titled “Posted! A Collection of Posters from Manchester’s Past” on Nov. 16, according to a press release. Showcasing a range of historical posters, the exhibition reveals Manchester’s history through various forms of visual communication, from health notices to movie ads. Inspired by Jeff Cuddy’s rediscovered circus posters, the exhibit is free to the public and runs until March 1, 2024.

Jenna Dinndorf, a 17-year-old from Bedford, has been awarded the Girl Scout Gold Award for her project, Grieving Through Art, in collaboration with the Manchester grief assistance group, Friends of Aine. Addressing the issue of child grief, Dinndorf’s initiative uses art for expression and healing, involving the creation and exhibition of artwork by grieving children and the distribution of Coping Cards with art and grief-coping strategies to schools across New Hampshire.

Stay in the loop!

Get FREE weekly briefs on local food, music,

arts, and more across southern New Hampshire!