Author Archive for Patty Knaggs – Page 2

The Kings Mark floors in our Gloucester MA homes

Kings wood in a Gloucester MA attic

Ever wonder about those really, really, wide pine floors we find in our New England homes? They have a very interesting history in our country. Interestingly, enough they may have been just as influential in the American Revolution as the Boston Tea Party! The British fell in love with the white Pine species of trees for their usefulness as light, strong and exceedingly tall masts of sailing ships, & the British Navy. They were considered so valuable that the “Kings men” (militia) went through the virgin New England forests marking the most desirable trees (widest & tallest) to be saved for shipment to the British Monarch. Three hatchet marks in the shape of an arrow was called The Kings Broad Arrow”. These trees (24 inches or more in diameter) were so important that they were mentioned in The Charter of Massachusetts Bay 1691.

The Broad Arrow

Predictably over time, the colonists became less and less willing to surrender the resources of the colonies to the British Monarch. They began ignoring the Kings Mark and harvesting these premier trees for them selves and using it for their own needs, which were usually for building structures instead of supporting the British monarchy and its Navy. It became more and more apparent to the British they were fighting a losing battle as the trees mysteriously disappeared and the New England forests became devoid of the tallest and widest white pine trees.

And now comes the part we are slightly familiar with. The King decided to tax the colonists on the width of the boards in their homes…with a caveat. The Kings men inspecting the homes for board width(s) were not allowed to go beyond the first floor of the home or structure. The colonists (not being dumb) then proceeded to use all the “best wood” or widest boards on the second & third floors. Hence, many of our second and third floors in our oldest homes in New England have incredibly wide floor boards. A little repeated fact is that this floor tax caused The Pine Tree Riot which was a precursor to the Boston Tea Party!

 

Occupy Wall St. … How about Shaws, East Gloucester?

I’m not involved in the Occupy Wall St. movement or sit-in or am I particularly well-informed about it. I believe it is in part about corporate greed. A very clear picture of corporate greed was painted for me the other day. I was parked at Cape Ann Market on an optical errand. Since I knew my next meal involved raisins and I had none, I decided to purchase some at Shaws. Confession time: I stopped shopping there years ago when Market Basket came to town, which allows us to save approximately 10% consistently over the two other local, large grocery chain stores.  There were two raisin sizes available and I grabbed the one closest to the size I usually purchase, which was the smaller size, however quite average.It was 15 oz. for $3.79.  I had the cashier scan to double-check the price, since I thought I had purchased it at Market Basket for $2.59. Since it was significantly more expensive, I decided to not purchase and instead, swing into Market Basket on my way home. I scurried to Market Basket and grabbed the smallest size on their shelf. It was 24 oz..  The price? $2.99.  OK so maybe I’m a tightwad or a skinflint, but this is a pretty average grocery item. It isn’t  seasonal, like produce or fish. Nor is it necessary to import from a “rare source”.  Nor was I comparing a grocery price to a discount chain price like Cosco or Best Buy.  I think it is pure and simple, corporate greed of the every day garden variety.  There was a 100% markup for the same product (slightly different size) at one store vs. another.  Market Basket Raisins (24 oz. size) were 12.45 cents per oz. and at Shaws (15 oz. size) they were 25.26 cents per oz.. A 100% mark up on raisins?  Come on…..So once again in deference to the saying, “think global, act local, I don’t have to occupy Wall St. to protest corporate greed, I’ll just shop at Market Basket!


Paul Ciaramitaro Is Teaching Drawing

YouTube Preview ImageAcclaimed artist of The Rockport Art Association and the Northshore Art Association, Paul Ciaramitaro is opening his studio doors to teaching this November, on Saturdays @ 10AM. Paul is a Gloucester native with the first hand experiences of working on the waterfront and artistically trained by world renowned Gloucester artist Charles Movalli. Like most of us who live on Cape Ann, Paul is continually drawn to the light filled water and the working waterfront.  His media is oil, his passion is the beauty and the strength found on Cape Ann, particularly in the brawn required to execute the industry of fishing. Some of his first commissioned works can be found at The Seacoast Nursing Home (located behind the Addison Gilbert Hospital). Here you can see his execution of the physicality required on the waterfront. He paints from memory and like so many Cape Ann artists, plein air. More about Paul @ paulciaramitaro.com

Pauls Gallery and Studio is located at The Blackburn Building 2B-1 Annex . He can be reached at 978 879 8871 or normie46@yahoo.com.

Four Reasons to Choose an FHA Mortgage

4 Reasons to Choose an FHA Mortgage

First a little background about FHA (Federal Housing Administration) mortgages. These mortgages were initiated by the US government in the 1930′s to allow the first time home buyer to purchase a home, despite some high risk factors when compared to other borrowers. FHA loans have evolved with the times and have consistently serviced the consumers that no other lending institution was willing to risk their money on. However, no matter what actually did occur with these so-called “high risk borrowers” the FHA mortgages were and are guaranteed to be paid by the US government if the consumer stops paying the mortgage. For instance, if a homeowner were to default on their FHA loan, the lender would not incur a loss because the US Government would repay the loan to the lender.

There are four great real life reasons to choose an FHA loan:

1 If your credit score is between 620-640. Todays lenders have drawn the line at anything below a 640 credit score.

2  An FHA mortgage only requires 3.5% downpayment.

3  If your down payment is a gift.

4 If one has undergone a bankruptcy or foreclosure.

One or more of these reasons could prevent a first time home buyer from getting a mortgage with a traditional lender. However, the FHA allows more than one of these situations to exist simultaneously with a borrower.

OK, there has to be a catch….is it the rate? No it isn’t the rate, that is still comparable to other 30 year conventional loans. It is in the form of the insurance. It is called the Mortgage Insurance Premium (MIP), paid in two ways:

1.  Upfront: It is equal to 1.15% of the total loan, paid at closing and frequently rolled into the total amount of the loan. For instance if you borrow $100,000, MIP would equal $1150 and you would be borrowing $101,500 (if not paid at closing).

2.  Monthly: There is also a monthly fee that lasts for 5 years no matter how much equity you have in your home. It is calculated to be 1.15% spread out into monthly payments. For instance with the $100,000 loan example above it would be $101,150 * 1.15 / 12 (annual payments) = $96.95 per month mortgage insurance. If for instance, one has over 20% equity in the home after 5 years, the MIP would end.

Would I get a FHA mortgage if I had other mortgage options? Probably not, but I would choose home ownership over the alternative hands down, if my budget permitted it. And yes, I felt this way before I became a real estate professional, before the mortgage interest rates were at an all time low and before home prices shifted downward by 30% off of the peaks of 2005-2006….!

just in case you are wondering :)

 

Dental….I mean dentil moulding

Dentil Moulding 4 Laurel St., Beverly MA 01915

One of the classic styles in building mouldings is frequently miscalled  ”dental”.  It is relatively easy to understand why …because it looks like its name (toothlike), but it is spelled like its’ latin roots. Den is “tooth” in latin and the moulding is characterized by a square mold with spaces in between them, similar  to a characterization of teeth. Usually found below a cornice, it is considered a classic style in architecture and is documented on the grave of Darius from 500BC! Having long admired the classic architecture I am thrilled to highlight a new listing with exquisite dentil moulding in the living and dining rooms. The picture above, highlights this style found at 4 Laurel St. Beverly MA. The picture belows shows off more of the architectural detail found in this pretty house including unique built ins.

Dentil moulding under the cornice

My Homegrown Organic Heirloom Tomatoes Make Me Fat & Happy

Homegrown organic (very important!!!) tomato with mayonnaise: hold the bread!

I’ve been a card-carrying vegetarian since I was 18. Ok, there have been a few exceptions (meals at moms-would never argue about home cooking!) and there was that beef relapse while living in Minneapolis in the 90′s. Aside from that, I’ve been pretty green and leafy for the longer (unfortunately or fortunately, depending on how you view healthy eating) part of my life. I’ve also spent a similar amount of time honing my “garden skills” as a Golf Course Superintendent (27 years). Suffice to say, I like to grow plants, I believe it is the healthiest way to eat  and I have tons of experience at both.

Homegrown organic (very important!!!) tomatoes with Velveeta and lots of salt...

Interestingly enough I have found plenty of ways to counter act all this healthy eating from my very own organic garden! Not only do I layer the salt and the mayo, I’ve gone way back into my childhood and melted the Velveeta on my favorite fruits! Geeze how low can I go? Velveeta even defies food groups. So…thanks to cheese, salt and mayo I’m a few pounds heavier this September but very, very happy…By the way this years favorite heirloom variety?  Thanks to Goose Cove Gardens) is “Aunt Ginnys Purple” an heirloom beefsteak variety of German descent. One tomato (large, meaty, flavorful) is a meal in itself  – just add salt and mayo, naturally :~) And now you know how I got fat and happy eating my organically grown, heirloom tomatoes!

 

 

Fireworks Schedules on the North Shore

 

Firework & Parade Schedules, North Shore MA

Fireworks Schedules

Locally, many communities on the North Shore schedule their fireworks and parades on July 3, 2011.  Did I just say parade?  Always a fabulous prelude to the fireworks, many of our local communities have Horribles Parades as well. What is a “Horribles Parade” you may ask? Well, it is pretty much a parade for the people by the people!!! It is usually humorous, the more unsophisticated the better, opinionated and features homemade floats and costumes. Those parade schedules are below as well.

July 3, Sunday

Gloucester – Horribles Parade starts @ High School 6PM  Fireworks over Harbor 9:30

Danvers – Fireworks Festival Plains Park 7PM (rides, music, kids games) Fireworks 9:30ish

Swampscott  & Lynn – Fireworks Kings Beach @dusk (rain date July 5)

July 4, Monday

Beverly FarmsHorribles Parade Hale St., starts @ Oak St.8AM  Fireworks West Beach @dusk

Marblehead – Horribles Parade 10AM  Waterfront Festival all day Fireworks 9PM

Rockport – Firemans Parade starts @ High School 6PM Band concert & bonfire 8PM Back Beach

Manchester -by- the Sea –  Independence Day Parade starts @ High School 9AM

Salem – Derby Wharf Kids Space 4PM, Music 5PM, Fireworks 9:15PM

Enjoy your Fireworks Schedule on the North Shore!

 

St. Peters Fiesta Schedule, Gloucester MA

St. Peters Fiesta in Gloucester MA is an iconic tradition centered on faith, family and fishing. The Fiesta is based on the faith of the fisherman in asking the patron saint of fisherman (from the Catholic tradition), St. Peter, to keep them safe in the upcoming year, gratitude for the past year of fishing and solomn recognition of any fisherman 

St. Peters fiesta

A Procession from St. Peters Fiesta

(and his family) who lost his life at sea. Although now well known for the athletic events associated with this three day celebration, especially the greasy pole, the most profound part of St. Peters Fiesta is the solomn tradition of processions and the open air mass on Sunday morning.  Most people mark their calendar to attend the greasy pole events but 10 AM Sunday mass in St. Peters Park is the most moving event of the entire Fiesta in my opinion.

Read about the history of St. Peters Fiesta in Gloucester MA, get a taste of the live action at GoodMorningGloucester and visit the “Fiesta Carnival/Greasy Pole Competitions” via a live cam.

St. Peter’s Fiesta Schedule 2011

Wednesday, June 22

7:00–10:00 p.m.  Musical Entertainment….
St. Peter’s Park: “Forever Legends” featuring “Sinatra & Friends”

Thursday, June 23

6:30 p.m……       Fiesta 5K Road Race with Cape Ann YMCA – Starting
at St. Peter’s Square

8:00–11:30…      Youth Block Dance…..D.J. Sam Santuccio …. St. Peter’s Park

Friday, June 24

4:45 p.m…….      Greasy Pole Contest…and…Women’s  Seine Boat Races
Pavilion Beach

6:30 p.m…….      Entertainment….Before Opening Ceremonies

7:30 p.m. ……     Formal Opening ….St. Peter’s Square
Entertainment immediately following to 11:30 p.m….
Music by Seabreeze

Saturday, june 25

9:30 a.m……      Youth & Adult Soccer Games…. Newell Stadium

10:00 a.m…….     Pavilion Beach…Military Seine Boat Race:
U.S. Coast Guard vs U.S. Navy
Gloucester Fire Department vs Gloucester Police Department

2:30 p.m.……     Championship Series - Youth Basketball Tournament….
Fort Playground

(Rain Date Sunday, June 26)
3:00 p.m……      Children’s Games…. Beach Court

4:45 p.m……      Sports Events… Pavilion Beach – 
Seine Boat Races..&
..Greasy Pole

Contest
8:00–11:30 pm. Musical Entertainment…St. Peter’s Square….
Aaron Caruso with Musicians, Vocalist
(www.aaroncaruso.com)
And  Comedian.


Sunday, June 26

10:00 a.m……      Celebration of MASS OF ST. PETER….. at St. Peter’s Park

12:00 noon…..    Procession following the Celebration of Outdoor Mass

3:00 p.m……      Blessing of the Fleet… Stacy Boulevard.

3:00 p.m… …   Concert….United States Navy Band Northeast…St. Peter’s Park

4:45 p.m……     Sports Event at Pavilion Beach – Seine Boat Races &
Greasy Pole Contest

6:00 p.m……      Concert…..St. Alfio’s Band (One Hour)  St. Peter’s Park

6:30 p.m……      Children’s  Pinata Contest –  Pascucci Court

7:15 p.m…….     Awards Ceremony – Trophies awarded to winners of the 2011 Sports Events

8:30 p.m……      Musical Entertainment –  St. Peter’s Park – featuring Gianni Faraone w/ Ray Cavichio and his mini Big band

11:00 p.m……      Raffle Drawings and Closing Procession

Novena to St. Peter
Monday, June 13 – Tuesday, June 21
7:00 p.m.
American Legion Hall
St. Peter’s Park Gloucester, MA

 

Has the real estate market hit bottom? Yes!!!

Radio Boston logo

In Housing Market, Uncertainty Reigns

(haglundc/Flickr)(haglundc/Flickr)

In recent days, we’ve been a hit by flurry of reports about an increasingly weak housing market and falling home prices in the Boston area. Just Tuesday, a new forecast projected a drop in Massachusetts home prices by as much as 6.5 percent.

So how bad is it? Are we heading toward a double-dip? Or has the market hit bottom? Some analysts say we can expect the market to begin to recover in the coming months. Are they right?

As the spring home sale season heats up, many prospective buyers and sellers are caught in the middle of a market in transition. Is it a good time to buy? Should owners be looking to sell?

We speak with housing experts on the state of the market.

Do you have a question about the housing market in Massachusetts? Are you looking to buy or sell a home? Do you rent because you’re too scared to buy?

Leave your thoughts and questions in the comments or on our Facebook page.

Guests:

  • Scott Van Voorhis, real estate blogger and columnist, Boston.com.
  • Karl Case, retired Wellesley College economist; co-founder, Case-Shiller Index
  • Patty Knaggs, real estate agent based in Beverly
  • Curt Nickisch, business & technology reporter, WBUR


 

Running Rock Head

YouTube Preview ImageWhen you are a dog mom, one gets invitations to yards (byod-bring your own dog), or walks much more then homes! It was at one of these yards I learned the story of “Running Rock Head”.

Great art by great artists can be found in the most surprising places! Visiting a friends’ yard (yes on Cape Ann and no I can’t say where) for the first time, I was introduced to this very unique work of art, hidden behind her fence, “running” in the side of her yard. It is inspiring to look at and special in significance. The story how it came to be located there is at once intriguing and sad.

The artist, Joe Wheelwright is the intrigue. His art ranges from tree “sculptures” to traditional stone sculptures, all the way to cast bronze. His art is one of vision, imagination and execution. It is not so much the art of using materials to create an object, but more one of seeing a vision that people like myself can not see. He “liberates” this vision, from its’ encumbered natural existence into that of a piece of art. Now eligible to be seen, admired and enjoyed by mere mortals like you and me.

Tree figures he creates, are one piece of wood. Joe removes the unnecessary part of the tree to fit his vision. He then designs a wax feeder system that will channel the molten bronze around the tree form. The form is then enveloped in plaster. The plaster contains the bronze as it surrounds the tree form. When it cools post-casting, it is again heated in an oven. After the plaster is removed, he often creates a patina on the surface using a heat torch, chemicals and a brush. Joe often sculpts heads out of stone and frequently sees trees as forms having life energy apparent in arms and legs. It is so very fitting that in this sculpture he has used a rock as the head and the tree as the movement of the figure. His most common stone sculptures are heads and faces. Yet, his most plentiful tree sculptures are of the human body consisting of torso, arms and legs.

The sad part of the story: Running Rock Head came to reside at my friend’s house as a gift from a friend. It was received, post-mortem, after a tragic youthful death. It dances (in my eyes) or runs every day as a testament to a friend with way too much life to ever really die. Thank you dear friend and Joe Wheelwright for this gift of life. Both the artist, and the gift giver, are and were two truly exceptional people in life and in death.