During these difficult times when many people are losing their jobs or getting hours cut there has been some significant activity on the exceedingly small end of small businesses – micro-businesses you might say.
About Pemi Valley Habitat for Humanity
Pemi Valley Habitat for Humanity is part of a global, nonprofit housing organization operated on Christian principles that seeks to put God’s love into action by building homes, communities, and hope. Pemi Valley Habitat for Humanity is dedicated to eliminating substandard housing locally and worldwide through constructing, rehabilitating, and preserving homes; by advocating for fair and just housing policies; and by providing training and access to resources to help families improve their shelter conditions. Habitat for Humanity was founded on the conviction that every man, woman and child should have a simple, durable place to live in dignity and safety, and that decent shelter in decent communities should be a matter of conscience and action for all.
Clutter can often be a sign of a chaotic lifestyle and it can also represent a very depressed person. You might have ready many articles on the subject and tried a variety of ways to clean up your own space but within days it’s right back to the same old trend of collecting mail or papers you really don’t need. That’s because you haven’t found the decluttering style that best fits your lifestyle. There’s no one way that works for everyone.
It’s been proven. Clutter is a bummer — literally.
Dishes in the sink, toys throughout the house, stuff covering every flat surface; this clutter not only makes our homes look bad, it makes us feel bad, too.
At least that’s what researchers at UCLA’s Center on Everyday Lives and Families (CELF) discovered when they explored in real time the relationship between 32 California families and the objects in their homes. The resulting book, "Life at Home in The Twenty-First Century," is a rare look at how middle-class Americans use the space in their homes and interact with the things they accumulate over a lifetime.
Our over-worked closets are overflowing with things we rarely touch.
It turns out that clutter has a profound effect on our mood and self-esteem. CELF’s anthropologists, social scientists, and archaeologists found:
The beginning of a new year is always a good time to revisit our budgets, credit and saving money any way we can. AHEAD is fulfilling these much-needed services by offering virtual one-hour workshops.
In January they have 4 courses being offered virtually and FREE. Even better, they are making them available during the day as well as in the evening. Their January schedule is as follows:
If you are one of the thousands of employees who are now working from home here are some suggestions in getting a home office space established. First off, you will need tools that boost efficiency, comfort, and pleasure to make any work-from-home assignment better. If you want to be productive and professional when working from home, you must create a home office that matches your aspirations. Here are the most important criteria for creating a home office that you will want to use. Follow these tips to save yourself time and remove the stress of having a poorly planned home office before you begin working from home full time.
Stay-at-home orders have led many families to cook together more, sending kitchens into overdrive. All that time prepping meals gives homeowners new kitchen goals: easier maintenance and better hygiene. Here are a few ideas for a fresher style.
USDA Rural Development’s Section 502 Direct Loan Program provides a path to homeownership for low- and very-low-income families living in rural areas, and families who truly have no other way to make affordable homeownership a reality. Providing these affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.
Columbus Day, October 12, 2020, a few fun facts!
A New White Mountain Event Venue!
We are excited to announce the Woodstock Farmhouse, a gathering place since 1890. This 7-bedroom, 5 bath newly remodeled New England style farmhouse with a beautiful back yard is perfectly located on the banks of the Pemi River and Main Street North Woodstock, New Hampshire. Weddings, guest groups, corporate summits, non-profit retreats, and more will find the Woodstock Farmhouse a gem in the mountains.
Are you thinking about buying home? Have you been doing your research? Are you overwhelmed yet? The homebuying world can be an intimidating place, especially for first-time buyers. But rest assured there are professionals at every turn that can help you through the process.
Every day we’re reminded that winter is right around the corner. Peak fall color has hit the Valley early this year and we’ve already had a few frosty mornings with temperatures dipping into the mid-twenties overnight. Snow will be flying before we know it and we couldn’t be more excited about the upcoming season. Going into the 2020/21 Season we understand that there’s a lot of uncertainty, and while there will be operational changes, we want to re-assure you that we will still have a great season. Thinking about skiing & riding shouldn’t be stressful, so we want to be as informative as possible with all of you on our operational plans. For the sake of not having a seemingly endless email, we ask that you please visit our website to read the full update where we will go over the following subjects:
If you had the opportunity to visit any of the attractions, restaurants or food stops in the White Mountains of New Hampshire this Summer, thank a young person. Without local high school and college students stepping up during the Covid-19 Crisis many local small businesses would not have been able to operate at all. At best many saw a significant decrease in sales in our area but better to have less sales than closed doors! A HUGE thank you to a our local youth who have worked so hard to keep our local area serving all the visitors that made it to the wonderful White Mountains this summer.
WRITTEN BY: Peter L. Bergen - CNN national security analyst and director of the national security studies program at the New America Foundation. Researcher Notes.
Because the September 11 attacks caused such massive destruction and intensely hot fires, the remains of many victims were never recovered, and others remained unidentifiable. Consequently, the precise number of victims—particularly the number of those killed at the World Trade Center—has remained unclear.
Labor Day, September 6, 2020. A few fun facts!
Steps to Homeownership
New Hampshire Housing offers a number of different homeownership programs to help make homeownership more affordable. While the specific programs may have different income limits, in general, we serve borrowers with incomes up to $135,300.
We offer low downpayment requirements, down payment assistance (up to 3% cash to help with downpayment and closing costs), the homebuyer tax credit (HBTC) (Must be a first-time homebuyer or buying in a targeted community) and low-mortgage insurance options;
Are you ready to buy a home?
Just like every industry, the coronavirus flipped the real estate market upside down, completely changing the way realtors, buyers and sellers do business. The normal spring market is like Super Bowl Sunday every weekend. This year, Realtors were left scrambling to keep everyone safe in the process. Standard showings became Virtual Showings and 3D Tours, and, in some cases, buyers were purchasing homes they’d never stepped foot in.
What does all this mean? In short – due to a previous Executive Order, consumers cannot be evicted or foreclosed on their residence until the original order is lifted. What it doesn’t mean is that consumers are not liable to pay their rent or mortgage, it just gives them some wiggle room during the pandemic to create and adapt an emergency household budget or find other financial resources to pay these debts.
Real Estate is evolving on a daily basis right now and none of us truly know how the story will end. Believe it or not, there are buyers out there that are still looking for their dream home. Those would be the buyers that are confident with their employment situation and have been able to save for the transaction. At the same time there are many homeowners not being pushed to sell because their lender has automatically deferred their mortgage payments. Still, buyers should not assume that because we are in a pandemic they can automatically lowball a seller. Sellers may be more willing, however, to entertain offers on the lower end. The reality is a buyer won’t know how motivated a seller is until they make an offer. Buyers need to keep in mind that no matter how badly a seller needs to sell they may not want to engage with a buyer who low balls an initial offer.
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