Credit Score and PMI Explained

Cape Ann Home

One of the most important aspect of any person’s financial profile is their credit score.  This is the first thing all creditors look at when making a credit decision for an applicant.  Someone’s credit score will help determine whether they will get a loan or not, and more importantly, what that loan will cost.  The lower the credit score, chances are it will come with a higher interest rate. Conversely, a higher credit score is going to get someone a better and more competitive rate.

This is true when buying a home as well.  Not only will a higher credit score give someone a better interest rate, but if they are putting down less than 20% for a down payment, it will also affect how much they will pay in PMI.  PMI stands for Private Mortgage Insurance.  If a homebuyer wants to buy a house with less than 20% down…

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A fresh-faced and sleepy-eyed Miss Snowy Owl, a flock of Snow Buntings, and a gang of turkeys made for a beautiful morning

The Snow Buntings were too far away to get a good snapshot, but it is wonderful to see their return to Massachusetts from summer nesting grounds in the high Arctic.

Stirring up the leaf litter with their feet.

A great gang of Wild Turkeys (approximately three dozen!), of mixed age, were foraging amongst the leaf litter, using their big feet to kick up the leaves. The first-hatch year poults stayed more to the center of the flock, while the older hens were foraging at the perimeter.

Exquisite iridescence in Wild Turkey feathers.

Wednesdays with Fly Amero ~ Special guest:Tony Frontiero 7-10pm 11.5.2018

Dinner Specials Each Week!
Wednesday, December 5 – 7pm
My Musical Guest: TONY FRONTIERO!

Great player.  Great singer. Great songwriter.  What shouldwe expect?   Nothing but the best on Wednesdays at The Rhumb Line, that’s what! Welcome back to our stage, Tony

Frontiero!  ~ Fly

Dinner with great music!

*Each week features a special, invited musical guest
The Rhumb Line Kitchen……features Morgan Forsythe!  Dishes are better than ever before!
Plus a fine, affordable wine menu!


12/12 – Quentin Callewaert

12/19 – Amero Family Christmas


Looking forward……to seeing you there 🙂

OPEN CASTING CALL Auditions for future play productions at RST & BOSTON COMEDIAN DAVE RUSSO (and possibly friends) is at RST for Two shows!

OPEN CASTING CALL Auditions for future play productions at RST

Saturday, December 8 from 2-5pm

Details at our website:

BOSTON COMEDIAN DAVE RUSSO (and possibly friends) is at RST for Two shows!

Saturday, December 8.  Shows at 7:30pm & a LATE SHOW at 9:45pm

$20 ticket price

Tickets available on our website  or at the door on Dec. 8.  Cash or check preferred.

We’re hoping to get a decent crowd to be able to bring him back a couple times a year for shows combining himself and local comedians (and possibly some of his Boston comedian friends that may be working in the area)

I will attach some flyers for both events and additional information. Please let me know if you have any questions!

Best Regards,

Jeana Grady

Rogers Street Theatre


Singular flyer for Dave Russo

Our Guy Shew Who Makes The GMG Stickas Wants You To Vote On The Next Color


As long as supplies last if any GMG folks want a bumper sticker but can’t drop down the dock, just send a self addressed and stamped envelope longer then 7 and a half inches and I’ll drop one in the mail for you.

Send the self addressed and stamped envelope to the dock at 95 East Main St Gloucester Ma 01930 care of Joey (put my name in big letters to make sure it gets to me)

New Moon Yoga Nidra = Deep Sleep

Cape Ann Wellness

Please join Ayurveda Wellness Healing, LLC and North Shore Restorative Yoga for a powerful session of restorative Yoga combined with the deep relaxation of Yoga Nidra . (Yoga deep sleep) & Aromatherapy.

This class will incorporate meditation, breath work, aromatherapy, and supportive healing yoga poses. We will combine the energy of the new moon to set our intention for the month ahead while deeply relaxing the body to ground these intentions and heal the body and mind.

Benefits of Yoga Nidra
• Increase Immune function
• Improved digestion
• Better sleep
• Releases old habit, fatigue, worry and stress

We supply all the mats and props…so just show up and be ready for the most relaxing Yoga and best night sleep you have experienced!

When:  Friday, December 7

Time:  7:00 – 8:30pm

Where:  North Shore Restorative Yoga, 25 Lexington Ave, Magnolia, MA

Space is limited and pre-registration is required.

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