Business Sunday NEWS

NEW HAMPSHIRE

September 5, 2021 • Page B1

WORKFORCE

Infrastructure bill a boon for trades

J Unions are poised for
job growth if $1 trillion
proposal becomes law.
By Jason Schreiber
Union Leader Correspondent
BRENTWOOD — Roger Brunelle
is keeping a close eye on the $1
trillion federal infrastructure bill
that has already passed the Senate
and could face a House vote next
month.
As political director and presi-
dent of the Painters and Allied
Trades District Council No. 35, pas-
sage of the bill could have a big im-
pact on the union’s members and
the hundreds of apprentices who
are learning critical trade skills at
the International Union of Painters
and Allied Trades Training Center
in Brentwood.
Nearly 450 apprentices are work-
ing in a variety of industries, from
construction and glasswork to
commercial and industrial paint-
ing, which includes power plants,
bridges, water tanks and other steel
structures.
“One of the things they’ve been
talking about with the infrastruc-
ture is combating climate change
and reenergizing buildings for effi-
ciency. If they’re going to be replac-
ing glass panels that have more of
a rating to block out UV rays … we
want to be at the forefront. We’ve
always been at the forefront in
training for the new technology,”
Brunelle said.
Brunelle was one of several union
representatives who met with U.S.
Sen Maggie Hassan for a tour of the
Brentwood center Thursday.
Hassan, who helped negoti-
ate and pass the bill, discussed JASON SCHREIBER/UNION LEADER CORRESPONDENT
the importance of investing in Stafon Garden, a glazing apprentice, helps install a window as part of a
training exercise at the International Union of Painters and Allied Trades
+See Trades, Page B2 Training Center in Brentwood on Thursday.

Another boost to NH economy

Business Perspective
New Hampshire Business
and Industry Association

Tending
to the data
economy
boom
THE GLOBAL data econ-
omy and digital ecosystem
is vast, exponentially grow-
ing and facing potential
new government regula-
tions that could hinder its
growth.
Data flows through near-
ly every aspect of life, from
work computers to smart-
phones to
a growing
number
of smart
devices —
Alexas, TVs,
watches,
appliances,
even lamps. FABRIZIO
DAVID LANE/UNION LEADER More and
BAE is moving in to its new Manchester offices on Goffs Falls Road in Manchester. more cars
are connected to navigation

BAE moves into Manchester office

and information systems.
All share and receive data;
most include some degree
of commerce.
From the largest tech
companies to smallest
J Defense contractor looking to brick-and-mortar shops the
hire 800 engineers, technicians internet is a cornerstone of
business. With the conve-
for Goffs Falls Road building. nience of working, bank-
ing, shopping and staying
By Jonathan Phelps in touch comes the reality
New Hampshire Union Leader that we put a tremendous
amount of faith in the
Construction crews are putting the fin- digital ecosystem to keep
ishing touches on BAE Systems’ newest working and keep our data
building on Goffs Falls Road in Manches- safe.
ter. These all are reasons why
Now the defense contractor needs to the Business and Industry
hire up to 800 highly-skilled engineers and Association, New Hamp-
technicians to fill the 210,000-square-foot shire’s statewide chamber
renovated building near the Manchester- of commerce and leading
Boston Regional Airport. The building business advocate, has
once housed Anthem Blue Cross and Blue launched its new technol-
Shield. ogy committee. BIA mem-
Much of the work revolves around Lock- bers joining the committee
heed Martin’s F-35 fighter jet, including represent a broad range of
fully integrated radar warning, targeting industries, showing how
support and self-protection. much technology stretches
“This building was built specifically for throughout our economy.
our engineering and program manage- The committee will work
ment organization to actually employ and to create a higher level of
deliver new capability to respond to the understanding of how the
DAVID LANE/UNION LEADER digital economy works and
+See BAE, Page B3 Lisa Aucoin of BAE Systems meets with a co-worker at her new office in Manchester. assure any government
action allows innovative
businesses and leaders to
continue to lead the way.

‘Work today. Get paid tomorrow’ and Concerns about privacy,

cybersecurity and faster
and expanded high-speed

other news from the Sunshine State

WHERE HAVE all the work-
ers gone?
That’s the second biggest
question of the summer,
albeit a distant second behind
“Is this latest COVID-19 surge
going to come crashing down
on us just when we thought
life was starting to feel normal
again?”
My wife and I traveled to
Colorado over Memorial
Day weekend just as the tide
seemed to be turning on
the coronavirus pandemic.
Grocery stores there had just
relaxed their mask mandates,
and we watched the transition
as other businesses began to
Mike Cote
Business Editor’s
Notebook
Sponsored by
603-606-3391
www.glenwoodinvestment.com
follow suit. Meanwhile, a
similar scenario was playing
out in New Hampshire.
Our trip to Florida last
weekend to visit my parents
coincided with the tide turn-
ing the other way. Employees
at retailers like Home Depot
and local clothing store chain
Bealls are once again wearing
masks, and customers are get-
ting a nudge to put theirs back
on, too. Tensions are begin-
ning to rise again. When did
airlines start telling passen-
gers to alert them if anyone
on the plane was creating a
ruckus?
Florida is experiencing the
same workforce woes that
plague New Hampshire, with
restaurants cutting back on
+See Mike Cote, Page B2 Get paid tomorrow.”
internet are growing as the
digital ecosystem expands.
According to Opendatasoft,
from 2011 to 2020 the
volume of data in the world
rose by more than 3,000%
to 59 zettabytes, enough
data to fill the hard drives
of nearly 30 billion new
laptops. Statista projects
global data creation will
exceed 180 zettabytes by
2025.
One top technology issue
is increasing the speed of
the internet and its reach
across New Hampshire.
The state and federal gov-
ernments continue to sup-
MIKE COTE/NEW HAMPSHIRE UNION LEADER port and contribute funds
This fast-food restaurant in Florida is so in need for 5G expansion, the new
of workers that it is advertising “Work today.
+See BIA, Page B3
Business September 5, 2021 • New Hampshire Sunday News • Page B3

BAE Legal Notice

the following student information
as directory information that may
be made public at its discretion:
Education records may be dis-
closed to other entities and indi-
viduals as specifically permitted
From Page B1 name, participation and grade by law. Parents/eligible students
LONDONDERRY level of students in officially may obtain information about
SCHOOL DISTRICT recognized activities and sports, other exceptions to the written
ever-increasing national se-
conference room on a re- to get more high school stu- SPECIAL EDUCATION height and weight of student consent requirement by request to
curity threats,” said Lisa Au-
cent afternoon, employees dents interested in science AND SECTION 504 athletes, dates of attendance in the Superintendent or building
coin, vice president of F-35
visiting the building for the and engineering. Nearly CHILDFIND NOTICE the school district, honors and administrator.
LONDONDERRY SCHOOL awards received, and photographs E. Complaints Regarding School
Solutions at BAE Systems.
first time stopped to look 30% of new hires have been DISTRICT has a duty to locate, and videos relating to student District Compliance with FER-
Employees started mov-
out the windows, which introduced to the engineer- evaluate and identify any child participation in school activities PA
ing into the building in May.
overlook Pine Island Pond. ing field through programs residing in the District who quali- open to the public. Parents/eligible students who
About 140 workers oper- The bottom floor features like FIRST robotics, found- fies for Special Education services Directory information may be believe that the School District
or any child attending the public published in student yearbooks, has not complied with the require-
ate out of the building right
a patio where workers can ed by Dean Kamen of Bed- schools who may require Section school district websites, athletic ments ofFERPA have the right to
now. take a break or eat lunch. ford. 504 accommodations or services. publications, radio programs, tele- file a complaint with the U.S.
Besides engineers, the A mix of new employees BAE employees teamed Children eligible for special edu- vision broadcasts, performing Department of Education. The
cation include those children with group graduation programs, and office that administers FERPA is:
company has an immediateand workers moved from up with the Nashua Boys & disabilities who have an intellectu- in the publication of achievement Family Policy Compliance Office
hiring need for about 100
other locations will occupy Girls Club to operate a sci- al disability, autism, deaf- awards and honors for individual U.S. Department of Education
scientists in its research and
the space. ence, technology, engineer- blindness, emotional disturbance, students. This information may 400 Maryland Avenue, SW
hearing impairment, multiple dis- also be disseminated to local Washington, DC 20202-5901
development arm, known “We needed more foot- ing and math program this abilities, orthopedic impairment, newspapers in accordance with LONDONDERRY SCHOOL BOARD
as FAST Labs. Some of the
print in the Granite State summer. other health impairment, specific school sponsored sporting activi- Adopted: August 8, 2017
jobs require security clear-
to expand and facilitate the Aucoin said the new learning disability, speech or lan- ties and/or programs. Amended:
guage impairment, traumatic Parents/eligible students who (UL - Sept. 5)
ances. growth in our business,” building will help draw brain injury, acquired brain in- do not want the School District to
The FAST Labs positions
Aucoin said. more workers from areas jury, visual impairment, or devel- disclose directory information
are based in Merrimack Some of the roles include of the state such as the Sea- opmental delay and who, because must notify the Superintendent in Legal Notice
of such an impairment, need writing by September 15th of the
and Burlington, Mass., and
radio frequency and mi- coast, southern Maine or special education services. school year or within thirty
involve autonomy, artifi-
crowave engineering, field those looking for a reverse Children eligible for Section 504 (30) days of enrollment, whichever Rockingham County Conven-
tion Public Hearing, Wednesday,
cial intelligence, machine
programmable gate array, commute in Massachusetts. accommodations or services in- is later. This opt-out shall remain
September 15, 2021, at 6:00 p.m.,
learning, microelectronics
designers and verification Aucoin mentioned the clude those children who have a in effect until the following school
physical or mental impairment year, unless the parent or eligible Hilton Auditorium, Rockingham
and lasers. The develop-engineers, digital designers state’s affordability, schools that substantially limits a major student rescinds it earlier, or County Nursing Home, Brent-
ments make it onto the F-35
and software engineers. and outdoor activities as life activity. unless the student no longer wood. The purpose of Public
If you suspect your child has a attends the School District, in Hearing is to hear Public Com-
fighter jet, among other sys-
The company has gone to reasons employees like disability and may need special which case the opt out will remain ment on the Construction of a new
tems. great lengths to recruit, in- working in the Granite education services or 504 accom- in effect unless it is rescinded. building with financing pending
“We need the scientists
cluding placing ads on job State. modations, or if you would like Absent an opt out, the School approval of a borrowing authoriza-
additional information, please con- District may disclose directory tion of up to $30,000,000 from the
who are going to developsearch websites, installing “People like to raise their County Convention done in ac-
tact your child's teacher, or call information about former students
the next generation tech-
billboards and launching a families here,” she said. the District's Director of Pupil without the consent of the pa- cordance with NH RSA's 28:23
nology so that the engineers
new career page on its web- Services, Kimberly Carpinone at rent/eligible student. and 33:10 for the purpose of
will eventually use the site. Drawing talent 432-6920 extension 1113 or email 2. Military Recruiters/Institu housing the Registry of Deeds,
at kcarpinone@londonderry.org. tions of Higher Education County Attorney's Office, Sheriff's
products,” said Cheryl Para-
Aucoin said job fairs have The company offers flex- (UL - Sept. 5) Military recruiters and institu- Office, Delegation Office, and DOC
dis, vice president of FAST
also been successful. At ible schedules, including tions of higher education are Community Corrections; Executive
Committee Meeting to immediately
Labs. Some of the research
some point, the company a 9/80 schedule, which entitled to receive the names,
is implemented by the F-35
will have an open house offers every other Friday Legal Notice addresses and telephone numbers
of secondary students and the
follow, AND
Rockingham County Conven-
Solutions teams. and allow potential em- off. Some are able to work School District must comply with tion Meeting, Monday, September
ANNUAL NOTICE OF STUDENT 27, 2021, at 6:00 p.m., Hilton
New Hampshire is com-ployees to tour the campus. four 10-hour days. Hybrid any such request, provided that
Auditorium, Rockingham County
EDUCATION RECORDS AND parents have been notified that
petitive with technology “We are getting word out schedules could allow for INFORMATION RIGHTS they and secondary school stu- Nursing Home, Brentwood. The
hubs in other areas of the
in any way we can,” she remote work for some. The Family Educational Rights dents have the right to request purpose of the meeting is to raise
and appropriate the sum of up to
country, she said. said. The new space has been a and Privacy Act ("FERPA") provides that this information not be
$30,000,000 to finance the con-
certain rights to parents and released without their prior writ-
“We are doing cutting- The company also works hit with employees. eligible students with respect to ten consent. Parents/students struction of a new building for the
edge leading research inclosely with area universi- “This facility has been de- the student's education records. who do not want the School purpose of housing the Registry of
southern New Hampshire,”ties, including University signed so that it has a lot of A. Defmitions. District to disclose this informa- Deeds, County Attorney's Office,
1. "Parent" means a parent of a tion without their prior written Sheriff's Office, Delegation Office,
Paradis said. of Massachusetts in Low- collaborative space. People student and includes a natural and DOC Community Corrections.
consent must notify the Superin-
The company has aboutell, Nashua Community can come together to solve parent, a guardian, or an individu- tendent in writing by September Alternate date, if necessary, Wed-
6,000 employees in New College, Southern New problems,” Aucoin said. “At al acting as a parent in the 15th or within thirty (30) days of nesday, September 29, 2021, at
absence of a parent or guardian. enrollment, whichever is later. 6:00 p.m., same format.
Hampshire, which includes
Hampshire University and this same time, it is an en- 2. "Eligible student" means a Rep. David A. Welch, Clerk
3. School Officials with Legit-
its electronic systems sector
University of New Hamp- vironment where it is quiet student who has reached 18 years imate Educational Interests Rockingham County Convention
headquarters in Nashua. shire. enough to really concen- of age or who is attending an Education records (and person- (UL - Sept. 5)
The work doesn’t just trate on solving those really institution of postsecondary edu- ally identifiable information from
‘Footprint in the
Public
cation. Generally, once a student an education record) may be
begin at the college level, hard, challenging problems becomes an eligible student, rights
Granite State’ the company has also in- we are asking this group to under FERPA transfer from the
disclosed to school officials with a
"legitimate educational interest." A
From the fourth floor vested in programs in hopes solve.” parents to the eligible student. The
School District may, however,
continue to disclose education
school official has a legitimate
educational interest if he/she
needs to review an education
Notices...
records to a parent without prior
written consent if the student
record (or to receive personally
identifiable information from an
your right
BIA qualifies as a dependent under the
Internal Revenue Code.
B. Inspection of Records
education record) in order to fulfill
his/her professional responsibili-
ty. School officials include persons
to know!
Read them in
From Page B1 Parents/eligible students may employed by the School District
inspect and review the student's
education records within 14 days
(or the School District's school
administrative unit) as an admin-
New Hampshire
wireless standard designed
to connect virtually every-
haven’t been shown to
cause adverse health
the consumers to which
it belongs. Having robust
of making a request, or before an
IEP Team meeting or due process
istrator, supervisor, instructor, or
support staff member (guidance,
Union Leader
one and everything to the effects. 5G is critical to safeguards is paramount to hearing. Such requests must be
submitted to the Superintendent
health or medical staff and the and
district's law enforcement unit
digital ecosystem. Expand-
ing 5G in New Hampshire’s
expanding access to high-
speed internet, which the
protect against theft. New
Hampshire could have up
or building administrator in writ-
ing and must identify the record(s)
personnel, if any); members of the
School Board; persons or compa-
New Hampshire
cities, suburbs and rural proposed setbacks would to $10 million over four to be inspected. The Superintend-
ent or building administrator will
nies with whom the School Dis-
trict or school administrative unit
Sunday News
areas is a priority for boost- slow and limit. years to help increase state notify the parent/eligible student has contracted to provide specific and
ing tele-health, internet Another top issue is and local cybersecurity of the time and place where the services (such as attorneys, audi-
for students and work- legislative attempts to initiatives if the $1 trillion record(s) may be inspected in the tors, medical consultants, evalua- online
from-home opportunities, restrict the use of location federal infrastructure presence of school staff. Pa-
rents/eligible students may obtain
tors, experts, and therapists); and
volunteers who are under the at
in addition to everyday
conveniences. Yet, 5G faces
data services. Last session’s
House Bill 384 would have
package becomes law. BIA
and its members can help
copies of education records at a
cost of $0.50 per page, subject to
direct control of the School Dis-
trict with regard to education
www.unionleader.com
reasonable limitations. records.
possible state regulations required active consent direct this money to the C. Amendment of Records 4. Health or Safety Emergen-
that would restrict its avail- from a consumer anytime right places through the
ability. a computer application new Technology Commit-
Parents/eligible students may
ask the School District to amend
cies
In accordance with federal regu-
Legal Notice
A bill expected in the shared their location data tee’s work. education records they believe are lations, the School District may
inaccurate, misleading or in viola- disclose education records in a REQUEST FOR PROPOSAL
2022 session of the New with a third party. BIA The digital ecosystem tion of the student's right to health or safety emergency to any The Town of Hampstead is
Hampshire Legislature opposed the bill because and data economy together privacy. Such requests must be person whose knowledge of the seeking for proposals for the
would restrict the place- it was overly burdensome, can reshape our lives and submitted to the Superintendent infonnation is necessary to protect replacement of the roof at the
or building administrator in writ- the health or safety of the student Meetinghouse. Specifications are
ment of wireless equip- requiring constant consent expand prosperity from ing, clearly identify the part of the or other individuals without prior on the Town's web site: www.ham
ment. As reported by approvals. The bill failed to large cities to small towns. record they want changed and written consent. psteadnh.us.
Communications Daily, pass the Legislature, but it’s But any government regu- how they want it changed, and 5. Other Schools Proposals will be accepted until
specify why it is inaccurate or The School District sends stu- 4:00PM on Monday, September
the bill will seek 1,600- likely a similar attempt will lations must be practical, misleading or in violation of the 13, 2021 and should be mailed or
foot wireless equipment be made again. informed by businesses student's right of privacy. If the dent education records to schools,
school systems, or institutions of hand- delivered to Sally Theriault,
setbacks and periodic Cybersecurity and data and not so burdensome Superintendent or building admin- CPM, Board of Selectmen's Office,
istrator decides not to amend the postsecondary education where
measurements of wireless breaches perhaps are the they drive up costs and the student seeks or intends to 11 Main Street, Hampstead, NH
record as requested, the pa- 03841 and clearly marked "Meet-
emissions. The New Hamp- biggest concerns in the slow commerce, which is rent/eligible student will be noti- enroll, or where the student is
already enrolled, if the school, inghouse roof."
shire Commission to Study data economy. Just late last why the Technology Com- fied of the decision, their right to
school system, or institution of The Town reserves the right to
request a hearing and information accept or reject any or all propos-
the Environmental and month, cyber criminals mittee will be a pivotal part about the hearing process. postsecondary education has re-
als, waive any informalities in the
Health Effects of Evolving stole $2.3 million from the of BIA’s advocacy work in D. Disclosure of Records quested the records and so long as
proposal process, to negotiate with
the disclosure is for purposes
5G Technology published town of Peterborough by the future. The School District must obtain
related to the student's enrollment any and all responsible qualified
its report last November, collecting three scheduled . a parent/eligible student's written Proposers, and to enter into an
consent prior to disclosure of or transfer. Such records shall
Rick Fabrizio is director of communi- agreement with the Proposer
alleging the Federal Com- payment transfers and cations and public policy for the Business personally identifiable information include, but are not limited to,
whom the Town in its sole
grades, report cards, disciplinary
munications Commission converting them to cryp- and Industry Association. He can be in education records except in
records, attendance records, spe- discretion determines is in the
may be ignoring wireless tocurrency. The U.S. Secret reached at rfabrizio@biaofnh.com. The circumstances permitted by law or best interests of the Town even
regulations as summarized below. cial education records and health
BIA, New Hampshire’s statewide cham- though the Proposer may not
radio frequency dangers Service is investigating the 1. Directory Information records.
submit the lowest bid or proposal.
ber of commerce, produces this column 6. Other Entities/Individuals
due to industry influence. theft. monthly for the Sunday News.
The School District designates (UL - Sept. 5)
However, radio frequen- Data is an asset for
cies and wireless devices businesses holding it and

Nominations are open for the

2022 Class of
40 Under Forty!
The New Hampshire Union Leader will profile 40 of New
Hampshire’s young leaders in a special section in early
2022. Awardees will also be honored in person at a gala.
Visit unionleader.com/forty to submit your nomination today!

Nominees must not turn 40 before February 1, 2022, and must have lived in the state for at least
the past three years. Candidates may nominate themselves. Previous winners are not eligible.
Selections are not final until announced. Nominations must be received by September 30, 2021.
Page B2 • New Hampshire Sunday News • September 5, 2021 Business

The year is halfway over, so do your Mike Cote

before-year-end financial checkup
It’s hard to believe, but
2021 is more than halfway
finished. This makes it a
great time to do a financial
checkup before year-end.
The effect of the COVID-19
pandemic has made this
step even more important.
How might your situation
have changed since the
beginning of the year?
Here are a few sugges-
tions to consider if you are
on track:
You may have set some
financial goals at the start
of the year. This might’ve
been to save more money
or perhaps to spend less.
The level of your debt may
have been a top concern.
Mid-year is a good time
to see if you have made
progress on meeting your
goals. Perhaps your goals
are no longer your goals!
Your goals might have to
change as your financial
situation changes. Review
your priorities and make
adjustments based on the
Money
$ense
Marc Hebert
In addition to retire-
ment, insurance is an area
you might want to look at.
Is your homeowners or
renters insurance policy
adequate? Do you have an
umbrella liability policy?
These protections are
important for providing
security to you and your
family.
While you’re reviewing
your insurance, check if
you have disability insur-
ance. You may receive
this from your employer.
This coverage protects you
and your family’s finances
against income loss while
you are alive. And to
protect your family in the
event you pass away, life
“Your goals might
have to change
as your financial
situation changes.
Review your
priorities and
make adjustments
based on the
results.
the year is a possibility.
Uncle Sam has an IRS Tax
Withholding estimator
on their website at IRS.
gov that could be useful in
the process. If you want to
adjust your withholding,
you can submit a W-4 with
your employer. During this
process, don’t forget to
check your state taxes.
how many days they are
staying open. One cafe we
visited was about to shut
down for a week, citing
slower business in the wake
of the delta variant. Fear
has returned. More people
are staying home.
We stopped at an urgent
care center an hour before
it was due to close and en-
countered a young woman
in scrubs heading out to
her car. She told us it was
closing earlier due to staff-
ing issues. We would have
to go somewhere else so I
could get that nasty case
of poison ivy checked out.
(Yeah, I’m still a bit itchy,
but at least I don’t have
shingles.)
The intake worker at the
next urgent care center
we visited warned us to
be careful while we were
visiting the Sarasota area,
alerting us to the spike
in COVID cases that was
filling up the local hospi-
tal, where 88 percent of
the patients had not been
vaccinated against the
shire.) When we informed
her that we were vaccinat-
ed, she told us we still had
to be cautious: Ten percent
of the new cases were
people who had received a
vaccine.
Headlines in the newspa-
pers in Venice and Sarasota
seemed a throwback to ear-
lier pandemic days, includ-
ing revised safety protocols
for public gatherings.
We had hoped to spend
some time soaking in the
sun by the Venice Fishing
Pier but were thwarted
by another microscopic
threat. Red tide has in-
vaded the shoreline for
miles around. Toxins from
the algal bloom turned the
coastal waters a brackish
brown and left the beaches
covered with dead crabs
and other sea life.
When we visited Shar-
key’s on the Pier restaurant
for lunch, we were greeted
by a team of employees
that looked like they were
welcoming passengers on
a cruise ship. They out-
From Page B1
waits — and the restau-
rant’s workforce woes —
have temporarily vanished
as tourists abandoned the
beaches. We were seated
immediately, and our wait-
ress had plenty of time to
share some of her entrepre-
neurial adventures in small
business.
Businesses along U.S.
41, a comfortable distance
from the stench and sting
of red tide, had plenty of
“now hiring” messages.
A sign outside Checkers,
a double-drive through
burger chain, promised
potential hires they could
“work today and get paid
tomorrow.”
A mobile home parts
warehouse had the best
come-on thanks to an odd
juxtaposition of messages:
“Now hiring. We have
doors & windows.”
Where have all the work-
ers gone?
Maybe they are hiding
in places with doors and
windows.
.

results.
One goal many people
have is to retire. Are you
saving enough? It is a good
move to save enough to
obtain the entire company
match available through
your employer provided
retirement plan. You might
want to look for ways to
save more, such as saving
part of a salary increase.
Don’t forget that the
amount you are allowed to
contribute into a retire-
ment plan can increase
over the previous year. It
might make sense to see
what the limits are for the
year and where your con-
tributions are in relation
to the limit. If you are age
50 and over, the potential
increase is even larger for
certain retirement plans.
For those already retired
or close to it, it is time to
review your income needs
and decide how your re-
tirement savings will meet
these.
insurance is important. It
is a good idea to review the
amount and type of cover-
age you may have. Re-
member that life insurance
needs change over time.
For example, the birth of
a child may increase the
need for income at your
death and you might want
to increase your life insur-
ance accordingly.
You also may want to
review your tax situation.
It is a good idea to have
an estimate of your tax
liability. There still may be
tax planning opportunities
you can take advantage of.
Last year’s return serves
as the starting point for
this review. Your income
can be adjusted for any
anticipated changes or
deductions.
After estimating your
tax liability for the year, it
is a good idea to compare
your tax withholdings
against it. Adjusting with-
holdings over the end of
Another important area
to review is your emergen-
cy fund. Are these savings
sufficient for your situa-
tion? Depending on your
circumstances, three to six
months of expenses is the
typical amount to have on
hand.
You might want to also
review these items:
Your beneficiaries on
your life insurance policies
and retirement plans.
The balance in your flex-
ible spending account.
Your annual credit
report.
Your estate planning for
any updates.
Your asset allocation
and risk tolerance to make
sure they are still appropri-
ate for your needs.
.
Marc A. Hebert, MS, CFP, is a senior
member and president of the wealth
management and financial planning
firm The Harbor Group of Bedford.
Email questions to Marc at mhebert@
harborgroup.com. Your question and
his response might appear in a future
column.
coronavirus. (That figure is
95 percent in New Hamp-
Trades
infrastructure to grow the
economy and create good
jobs.
She said her visit re-
inforced for her the im-
portance of investing in
workers and making sure
that there are highly skilled
tradespeople to perform
the work needed to build
21st-century infrastructure.
She said the center’s at-
tention to educating its
workforce and understand-
ing critical safety principles
“really reflects how impor-
tant training is, and the fact
that this is training provided
for a union by a union really
focuses on how well unions
do in expanding opportuni-
ty for folks, making sure that
numbered the customers
arriving. The two-hour
they’re trained up, they’re
ready to do critical work
and they’re ready to do it
well and to do it safely, and
so as we work to expand op-
portunity for everybody this
is a part of the equation.”
District Council 35 has
approximately 4,000 mem-
bers in Rhode Island,
Maine, Massachusetts, New
Hampshire and Vermont.
Its three-year apprentice-
ship currently has approxi-
mately 450 apprentices who
are required to perform
6,000 hours of on-the-job
training and 160 hours a
year of classroom training.
The training is free to the
apprentices as a portion
of each union member’s
Mike Cote is senior editor for news
and business. Contact him at mcote@
unionleader.com or (603) 206-7724.
From Page B1
pay funds the apprentice-
ship program, which costs
$12,000 to $15,000 a year to
educate each student.
“They have no student
loans. This is free of charge,
and they earn while they
learn on the job. With some
of the college tuitions out
there, our members pos-
sibly can make $80,000 to
$100,000 a year right out of
high school,” Brunelle said.
Apprentices start at 50%
of the salary of a jour-
neyperson. Once they
complete the 6,000 hours,
Brunelle said they become
a journeyperson and begin
earning the top rate with
numerous benefits.
RockinghamNews@unionleader.com

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