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Communicating Information on the Food Distribution System • Official Publication of NH Grocers AssociationJanuary 2014

NHGA “A.C.E.” Team Serves See pages 14

See page 15

Joseph B. Reilly

President/CEOCentrix Bank

2 nEWS & fOOD rEPOrT — January 2014

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Serving over 600 stores in Connecticut - Rhode Island - MassachusettsVermont - Maine - New Hampshire - Upstate New York/Albany Area

(603) 223-6710 • AGNE.com11 Cooperative Way,

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nEWS & fOOD rEPOrT — January 2014 3


See Story on Page 12See story on Page 15

What’s InsidePros & Cons Editorial 5Startup Hampton Creek Brings a Tech Bent to Future of Food 6The State We Are In 7Industry Personnel Remembered 8NHGA Board of Directors 8Judge Approves Swipe Fee Settlement 9How GMO Food Labeling Would Hurt New Hampshire 10Laid Off Stop & Shop Butchers Open Their Own Store In Milford 11NGA Voices Opposition to Credit CardSwipe Fee Settlement 11Durham Marketplace Donation Helps the NH Food Bank to Keep on Truckin’ 122014 to be ‘The Year of Retail Contradictions’ 13NHGA’s “A.C.E.” Staff Serves 14A Special Dedication to Judy Fortin 14Growth is the Model to Centrix Bank’s Success 155 Steps to a Great Cup of Coffee 162014 Annual Scholarship Snow Day Forms 18FDA Moves to Cut Use of Antibiotic Food-Producing Livestock 20Health Care Coverage for the Business Owner 21New Hampshire the Beautiful Does it Again! 22Top Ten Food Trends to Tempt Your Taste Buds 24NHGA Supplier Directory 25Classified Advertisements 26

Mark yOur calEnDarFebruary 9-12, 2014 NGA Show, Las Vegas NV

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February 25, 2014 Annual Scholarship Snow Day See pages 17-29 for Details!

March 19 NHGA’s Government Relations Day, Concord, NH

Find more info on upcoming events at www.grocers.org

Associated Grocers of New England 2Coca Cola Northern New England 28Northeast Delta Dental 22Garelick Farms 12HP Hood 27Innovative Payment Solutions 12NH Lottery Commission 9NH Business Sales Inc. 26Pepsi Cola 3PSNH 13

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Kevin Daigle Vice President

[email protected] Direct Line (603) 315-4163

John M. Dumais President & CEO

[email protected] Direct Line (603) 315-4164

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[email protected] (603) 226-2984

nHGa Staff


The News & Food Report is the official monthly communication published by New Hampshire Grocers Association ( NHGA). The information in the News & Food Report is from sources believed to be reliable. We’ve exercised reasonable care to assure its accuracy. However, the New Hamp-shire Grocers Association does not guarantee that the contents of this publication are correct, and statements attributed to other sources do not necessarily reflect the opinion or position of NHGA. Articles are designed to provide timely, general information in topics covered. Special limitations prevent exhaustive treatment of spe-cial subjects. NHGA articles are not intended to provide advice or assistance with individual problems. The editor is not rendering legal ad-vice in this publication. Readers should employ legal counsel to determine the applicability of these articles to their particular circumstances. Articles and information featured in News & Food Report may be reproduced with appropri-ate acknowledgement of source(s).

To Keep The Membership Informed:NHGA maintains a collaborative relationship with numerous state, regional and national or-ganizations including Food Marketing Institute, National Association of Convenience Stores, National Grocers Association, United INDUSTRY for Recycling, Food Research Society, Grocery Manufacturers of America, NH Food Bank, Food Industry Assoc. Executives and Food Trade Press

Postal Information:News & Food Report (ISSN 0745-6239, USPS 390300) is the Official Publication of the NH Grocers Association and is published monthly at 110 Stark Street, Manchester, NH 03101-1977, Phone (603)669-9333. Periodicals Post-age paid at Manchester, NH POSTMASTER: Send address changes to News & Food Report, 110 Stark Street, Manchester, NH 03101-1977

Subscription Information:Advertising and editorial copy should reach pub-lication office by the 1st of the preceding month. Subscription rate payable in advance $24.00 a year. Regular issues: single copies $2.50 each. Special issues $3.00 each.

Communicating News the Way You Want It:

Volume 67 – no. 1 January 2014

EditorialPrOS & cOnS

And on The Web: www.grocers.org

Scan this code to learn more about the features and ben-efits of your association. Go to 2dscan.com on your smart phone for a free code reader.

John M. Dumais, President & [email protected]

Starting Off the New Year RightAs last year slowly fades into the past, this is a

time to rest after the holiday business rush, collect your thoughts, accomplishments and review those undertakings that did not meet your expectations. After a short period of evaluation, it is time to plan a strategy for a successful 2014. It also means that you have to identify and work with the business partners that are able to help you the most.

Of course I would be remiss if I did not single out the NHGA staff as your first and best resource. They are what I like to call, your ‘other’ employees. Dur-ing their initial interviews, they were orientated to how the New Hampshire food industry functions; and what are the concerns of the various types of member businesses. Their direc-tion flows from several channels before implementation takes place. It begins with surveys, conversations, comments or ideas from members.

Our diversified Board, which is made up of suppliers and retailers of every size and from dispersed geographic locations, is the sounding board for all of these proposals. Approved proposals are returned to the staff for implementation. As you will see on page 14, they are designated as the ACE Team. That is because each person makes up an integral part of the NHGA motto “Advocate, Communicate and Educate”.

Today, your ACE Team associates are professionals, with a wealth of knowledge in their particular fields of employment. Their primary goal is to explain new NHGA benefits, assist you in participation and seek your input on how to make your business more successful.

While this is a valued added benefit to helping you with your immediate concerns and developing your business strategy, another factor is equally important. This is your relationship with your suppliers.

Immediately when the word ‘supplier’ is mentioned, one usually thinks of your wholesalers, distributors or DSD vendors. Yet, an equivalent group is your list of service providers. They may include HVAC services, accountants, lawyers, financial institutions, utility providers, signs or exterior maintenance crews.

With this thought, we could not think of a more appropriate ‘supplier’ to highlight on our cover and on page 15, the Centrix Bank and its President & CEO, Joe Reilly. When you think of supporting your business, they have done it all in a short 14 years. They created branches throughout the state and have a full team of professionals to address all of your financial needs. One only has to look at the numerous awards they have received to fully understand their loyalty to businesses large and small.

As full disclosure, Centrix Bank, like many other suppliers are also members of NHGA. By their support, they are demonstrating a commitment to your trade associa-tion and the services it offers to you.

Every month in this publication, we dedicate one page to NHGA’s Associate (sup-plier) members. What makes these Associates unique is that they have made an extra effort to address and offer programs for your specific trade’s needs.

This year could be one of your best years by collaborating with these particular suppliers. Now is the time to seek out their products or services, which ultimately can make you more profitable. And let’s not forget, if you already use these companies, occasionally express your gratitude for what they do. It is the right thing to do.


SAN FRANCISCO — On a quiet street here in the tech startup capital, dedicated scientists and chefs are hard at work on the future of food.

The problem: too many people, a growing population and not enough animals to feed them. The solution: use plants and science to come up with alternatives.

The folks here at Hampton Creek feel they’ve already hit a breakthrough—a new kind of egg substitute, derived from plants.

Just Scramble, the company’s chicken egg replacement, will be in stores in January. Scramble follows Hampton Creek’s first product, Just Mayo, a mayonnaise replacement released earlier this year. Waiting in the wings: cookies made from plants.

“It tastes just like an egg, right?” says Chris Jones, a Hamp-ton Creek chef and former Top Chef contestant, offering a sample of Just Scramble, which resembles the Egg Beaters liquid shell egg alternative long sold in stores.

“If you could create a product as delicious as the egg and you were able to use it, why wouldn’t you?” he adds.

Hampton Creek’s approach is to use technology to tackle food issues to come up with sustainable protein that doesn’t put a drain on the environment, in a humane way. Investors include Microsoft co-founder Bill Gates, PayPal co-founder Peter Thiel and Khosla Ventures, which has funded consumer tech products like the Jawbone portable speaker and website Zocdocs. Hampton Creek has raise some $6 million to date.

“We’re a tech company that happens to be working with food,” says Hampton Creek founder and CEO Josh Tetrick.

He reached out to investors in high-profile tech startups be-cause he wanted folks “who didn’t think small and wanted to change the world.”

The goal at Hampton Creek isn’t to come up with vegan al-ternatives to meat, but simply to explore new products that can replace the egg—everything from cakes and sauces to breads, pancakes and soups.

“Let the chicken go free,” says Tetrick. “The caged chicken egg happens to be brutal to the environment. We can find a better way to feed the world and think differently about our food system.”

Nearly 2 trillion eggs are laid each year, says Tetrick, with such massive amounts of soy and corn required to feed the chickens that it constitutes 70% of the cost of the egg.

His egg alternative will be substantially cheaper (about half the price of liquid eggs, he predicts) and lower in fat and cho-lesterol. Exact pricing has not been set.

He knows that many mainstream consumers look down on vegan products as poor tasting, so he doesn’t want to be in that category. His goal is to be stocked in the same section as con-

sumer goods from Kraft and Nabisco—in both Piggly Wiggly shelves in Alabama and upscale Whole Foods stores.

Even in this age of more widespread vegetarianism and veganism, meat consumption has doubled in the last 20 years, “and is expected to double again by 2050,” Gates writes on his theGatesnotes website. “There’s no way to produce enough meat for 9 billion people...we need more options for producing meat.”

The research and innovation at Hampton is all about looking at the planet’s natural resources.

“We have a way of analyzing plants from a molecular per-spective that’s just not being done elsewhere,” says Tetrick. “It’s striking how little of this research is going on. Ninety-two percent of the world’s plants haven’t been explored.”

He won’t say what kind of plant he discovered for the egg—until the product is released, but found a combination of a yel-low pea and sorghum for the mayonnaise product.

Eggless eggs, mayo and cookies are all part of Hampton Creek’s plan use plants and science to come with food alternatives for the world’s growing population.

Startup Hampton Creek Brings a Tech Bent to Future of Food

Available in February

Contact our office to sign up to get your copy for February!

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2014Coming Soon!


contact your Elected Officials

Get the latest Legislative and Regulatory updates from Stuart every Friday by e-mail and live call-in conference calls each Monday morning. Access even more information at the website www.grocers.org or FaceBook/NHGA. All of these benefits are for members at no additional cost.

The State We are InMaggie HassanGovernor Office of the GovernorState House107 North Main StreetConcord, NH 03301(603) 271-2121

Charles MorseNH Senate President State House107 North Main StreetConcord, NH 03301(603) 271-2111

Terie NorelliNH Speaker of the House State House107 North Main StreetConcord, NH 03301(603) 271-3661

Jeanne ShaheenU.S. Senator520 Hart Senate Bldg.Washington, DC 20510(202) 224-2841

Kelly AyotteU.S. Senator144 Russell Senate Bldg.Washington, DC 20510(202) 224-3324

Carol Shea-PorterU.S. Representative1223 Longworth Bldg.Washington, DC 20515(202) 225-5456

Ann McLane KusterU.S. Representative2350 Rayburn Bldg.Washington, DC 20515(202) 225-5206

By Stuart D. TrachyThe 2014 session of the New Hampshire legis-

lature will begin on January 8, 2014.That is when the House and Senate will con-

vene to address bills left over from the 2013 ses-sion and formally introduce bills for the 2014 session. While the deadlines for filing bills for 2014 have long passed, we have only has access to titles. Now most of the texts of bills have been released and we now have a better idea of the in-tent of some of the filings.

One bill that has taken quite an effort to address is HB 660, requiring the labeling of genetically modified foods and agricultural commodities. After hearing the bill in February of 2013, the House Environment and Agriculture Committee voted 12-8 to kill an amendment that was proposed by the subcommittee.

The subcommittee held about fifteen work sessions over the course of the summer and fall, an unusually exhaustive look at the issue. Most House committees may have one or two work sessions on bills before deciding on the fate of a proposal.

John Dumais testified once before the full committee, and again before the sub-committee in the fall of 2013. Also testifying were legal, agricultural and scientific representatives that represented both sides of the argument. Legislators have told those of us working against the bill that they are receiving an unusual number of calls and emails in support of the bill. The grass roots effort being put forth by the proponents is impressive, but hardly represents a majority of citizens.

Once voters and citizens have heard the arguments for and against the issue of labeling, they have voted against such measures, notably in California and Wash-ington State recently.

House Bill 660 will prove to be a bill attracting great attention in January of 2014, and beyond. We have maintained that this issue should be dealt with at the federal level, if at all, and not on a state by state basis.

The use and abuse of EBT cards in New Hampshire will be the subject of no fewer than two, possibly three bills, in 2014. Rep. Frank Sapareto (R-Derry) has proposed HB 1213, which prohibits the purchase of alcohol or tobacco products with electronic benefit transfer (EBT) Cards. While we agree with the spirit and intent of the bill, we know that implementing such a bill will be problematic. Hope-fully a compromise can be worked out.

House Bill 1299 proposes to establish a study committee to look into the cost and feasibility of requiring a photo identification for EBT cards. That is being spon-sored by Republican Rep. Pam Tucker.

In the Senate side, Senate Finance Committee Chair Jeanie Forrester is sponsor-ing a bill, SB 203, that would expand the restrictions on the use of EBT cards. Her proposal would add the following: “and person who receives public assistance from using an EBT card or cash obtained with an EBT card to gamble, or to pur-chase tobacco products, alcoholic beverages, lottery tickets, firearms, or adult en-tertainment.”

We know that enforcement of this provision may be problematic, especially if a retailer does not know where a beneficiary may get cash from an EBT card to make such purchases.

Please plan to participate in our Monday morning conference calls during the leg-islative session where we discuss in greater detail the finer points of bills that will impact the grocery industry.

Happy New Year!


Ilene Beattie Jiffy Mart 4276 Route 106 Perkinsville, VT 05151 (802) 263-5810

Kenneth Camille Cumberland Farms 291 Central Avenue Dover, NH 03820 (603) 749-6408

Angie Criswell Price Chopper 16 Ashbrook Road Keene, NH 03531 (603) 352-4957

Tom Demers HP Hood, Inc. 330 North State St. Concord, NH 03301 (603) 494-3319

Bob Dodge Stop & Shop 777 South Willow St. Manchester, NH 03103 603-222-2015

Elie ElChalfoun Mega-X 3 Allenstown Road Allenstown, NH 03275 (603) 485-2020

Ron Fournier Great State Beverage PO Box 16550 Hooksett, NH 03106 (603) 644-2337

Greg Gorski Bristol Shop N Save 505 Pleasant Street Bristol, NH 03222 (603) 744-5416

Laurie Goupil Gerry’s Variety 66 Lincoln Street Exeter, NH 03833 (603) 583-5164

Tony Heath Quality Cash Market 11 Eastman Street Concord, NH 03301 (603) 225-9661

Philip Philbrick Philbrick’s Fresh Market 775 Lafayette Road Portsmouth, NH 03801 (603) 422-6758

Dave Singleton Shaw’s Supermarket 100 Shaw’s Lane Stratham, NH 03885 (603) 964-4662

Dan Tewksbury Coca Cola of NNE 1 Executive Park Drive Bedford, NH 03110 (603) 627-6134

Glen Yergeau Rite Aid 71 Lowell Road Hudson, NH 03051 (603) 882-6335

Judy Knapp, Board Chairperson Hannaford Supermarkets PO Box 1000 Portland, ME 04104 (800) 341-6393

Philip Tucker Treasurer Aldrich General Store 3039 Dartmouth College Hwy North Haverhill, NH 03774 (603 787-8241

Jay Rainville Vice Chair Market Basket Supermarkets 875 East Street Tewksbury, MA 01876 (978) 851-8000

Tim Merrill Vice Chair AG Supermarkets 11 Cooperative Way Pembroke, NH 03275 (603) 223-5446

Moe Boucher Past Chair Pepsi Beverage Co. 127 Pepsi Road Manchester, NH 03109 (603) 625-5764

John M. Dumais President & CEO NH Grocers Assoc. 110 Stark Street Manchester, NH 03101 (603) 315-4164

Kevin Daigle Vice President NH Grocers Assoc. 110 Stark Street Manchester, NH 03101 (603) 669-9333

Board of Directors New Hampshire Grocers AssociationDIRECTORSOFFICERS

Revised 04/24/2013

RememberedIndustry Personnel

Mark CramtonBRISTOL - Died Dec. 13, 2013. Manage the First National grocery store in Bristol. Later he purchased the former Bristol Market. Donations should be made to the Tapply Thompson Community Center, 30 North Main St., Bristol.

Carl H. Keough ROLLINSFORD — Died Dec. 13, 2013. Served served as a community pharmacist for 52 years. In early years, Carl owned pharmacies in Antrim and North Woodstock. He retired in 2010 after a long career with Hannaford Supermarkets.

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NEW YORK – As expected, U.S. District Judge John Glee-son approved the proposed $5.7 billion class-action settlement in the underlying credit card swipe fees case between mer-chants and Visa/MasterCard. In his order on Friday afternoon, Judge Gleeson explained that he was satisfied with the settle-ment.

NACS filed private antitrust litigation against the major credit card companies and banks in 2005. Counsel for the class of merchants in that case reached a proposed settlement with the defendants in 2012, but it is woefully inadequate. The proposed settlement would give merchants a limited right to surcharge that is too complex to implement and would allow the credit card companies to continue to set prices for their member banks. Furthermore, the proposed settlement would do nothing to give merchants competitive network routing choices, and also lock-in many anti-competitive activities of the credit card companies forever.

NACS led opposition to the proposed settlement, opting out

of and objecting to it, and was joined by dozens of trade as-sociations and thousands of retail companies.

The U.S. District Court held a fairness hearing in New York on the settlement on September 12, where NACS President and CEO Henry Armour said that the settlement is worse than losing at trial.

“Losing would not bar the courthouse door to merchant challenges to future unfair card industry practices including current bad practices being applied to new technologies like mobile payments. The settlement provides nothing of any real value beyond the money. And the scope of the release will al-low the Defendants to raise rates and recoup the money before it is even distributed to merchants, which is precisely what happened in the Visa check case,” Armour said at the fairness hearing.

NACS is appealing the decision — stay tuned to NACS Dai-ly for updates.

Reprint: NACS Online

Judge Approves Swipe Fee SettlementU.S. District Judge John Gleeson approved a class-action settlement

between merchants and Visa and MasterCard — despite objections from thousands of retailers who believe the settlement is inadequate.


by John M. DumaisWhen you go to the grocery store, you

look for foods your family needs and likes, and, if you’re like most Americans these days, you’re also looking at prices. But it’s also likely that you’re looking at labels just to make sure there’s nothing unhealthy in your foods. All of these fac-tors inform your decision as to what to buy. After all, it’s about choice. We are lucky in this country to have so many choices.

But there are some people in New Hampshire who believe we need labels on foods that contain genetically modi-fied, or engineered, foods (GMOs), creat-ing a misconception that such foods are bad for you. Sadly, these people are using scare tactics over scientific facts. They are pushing a bill in the Legislature (HB 660) that would require anything with genetically modified organisms to be la-beled as such. This is bad for business, and consumers, and it will create confu-sion where none needs to be.

It’s time to sort out fact from fiction, because if the bill passes, it will have a drastic economic impact on New Hamp-shire residents, grocers, restaurants, re-tailers and farmers.

The reality is that GMOs are in 70-85 percent of what we consume. Genetically modified seeds have been the norm for decades, without doing any harm what-soever. In fact, they’ve done great good. They are good for the environment be-cause they reduce the need for pesticide, herbicide and water use so the carbon footprint is less. They are good for farm-ers because they exponentially increase crop yields. They are good for consum-ers because they keep prices down at the grocery store. They are good for restau-rants and retailers who can provide safe products at lower prices. All of these rea-sons also mean jobs, and more jobs.

Proponents of the bill say it’s a matter of transparency and the consumer’s right to know what’s in their food. But we al-ready have that. Consumers who want food without GMOs can buy them by looking for products that have the “Certi-fied Organic” or “Non GMO” labels.

The argument over safety has no legs to stand on. The Food and Drug Adminis-tration maintains the position that “there is no significant difference between foods produced using bio-engineering, as a class, and their conventional counter-parts.” The American Medical Associa-tion says, “There is no scientific justifica-tion for special labeling of bioengineered foods…” The National Academies of Science, the World Health Organization and the United Nations Food and Ag-ricultural Organization have produced more than 600 studies supporting the safety of these foods.

Ninety-three percent of New Hamp-shire’s food is imported. Forcing com-panies to produce special labels just for New Hampshire isn’t practical. They will either stop selling to us or substantially increase their prices. Our choices at the grocery store would be reduced. It would also mislead consumers to believe they should be concerned about a product’s safety when that’s simply not true. And it would cost all of us hundreds of dollars

more per year for food.It would hurt our retailers, our gro-

cers, our restaurateurs, and our farmers who would be denied access to new crop technologies that allow them to compete effectively in the marketplace. It would also severely reduce the 8 million pounds of food offered to more than 400 state agencies who provide food to orphanag-es, soup kitchens, homeless shelters and food pantries in New Hampshire.

Lastly, at a time when the state budget is already stretched to the limit, HB 660 would mean having to create a state-run program that would cost half a million dollars. Guess who would foot the bill? You, me and our neighbors.

In the last year, voters in both Califor-nia and Washington carefully considered the costs and scientific information and rejected ballot initiatives to require label-ing. When it reconvenes in January, the New Hampshire House of Representa-tives should do the same, for the sake of residents, businesses, retailers, and farm-ers across our state.

How GMO Food Labeling Would Hurt New Hampshire

The Silent Auction will take place during the 2014 Scholarship Snow Day event on February 25th, at the Bretton Woods Ski at adjacent to the Omni Mount Washington Hotel.• The Silent Auction opens at 3 pm and closes at the end of the cocktail hour, 5 pm.• Winners are revealed at the conclusion. A brief description of donated item

will be displayed with donor information along with company logo. Suggested Donated Items?Products or Services from your company valued at $25 to $100 or more. Toys, electronics, company logo clothing, sports or theatre tickets, gift certificates, vacation trips, weekend get-aways, gift baskets and more!

If you are interested in participating in the Snow Day Silent Auction, please contact Freeman Sands at NHGA at 603-669-9333

or email [email protected] doNaTIoNS are greaTlY aPPreCIaTed!

Donation deadline is February 3rd. Items can be mailed, emailed or dropped off at the NHGA Office in Manchester.

Highlight your products or service at the2014 Scholarship

Snow Day Silent auction


On December 13, 2013, U.S. District Court Judge John Glee-son issued a decision, granting final approval to the proposed settlement of In re Payment Card Interchange Fee and Mer-chant Discount Antitrust Litigation. This litigation involves complaints filed in 2005 by the National Grocers Association (NGA), and other associations and merchants against Visa, MasterCard, and some of the nation’s largest banks alleging they violated antitrust laws by fixing the prices of credit card interchange fees, also known as “swipe fees,” and setting anti-competitive rules. The settlement is subject to appeal, which has already been filed.

Peter J. Larkin, President and CEO of NGA released the fol-lowing statement regarding Judge Gleeson’s decision:

“NGA has consistently expressed opposition to the settle-ment that was issued in July 2012 due to its failure to provide meaningful relief for merchants and consumers from exces-sive credit card swipe fees, and places restrictions on a mer-

chant’s ability to seek further relief in the courts. While we anticipated that a decision of final approval was likely, NGA and hundreds of retailers joined in stating their objections to the proposed settlement, and we expect that many of those who opposed the approval, including our organization, will join in appealing this decision.”

In July of 2012, the NGA Board voted unanimously to op-pose the settlement agreement. NGA voiced its strong opposi-tion to final approval of the proposed settlement at the fairness hearing before Judge Gleeson on September 12, 2013.

Merchant competition, state laws and settlement restrictions make the modifications to the no surcharge rule illusory and ineffective to create a transparent, competitive market. When NGA and other named plaintiffs brought this case in 2005, the purpose was to bring about true reforms to the anticompetitive credit card market place that exists.

NGA Voices Opposition to Credit CardSwipe Fee Settlement

By Nancy Bean Foster Union Leader Correspondent

After being laid off from Stop & Shop when the grocery chain pulled its stores out of New Hampshire, meat department managers Sterling “Tex” Trumphour and Dave McLeod have decided to put their skills to work for themselves and have opened a shop called Two Happy Butch-ers.

In a space on Elm Street that has been empty since a former bakery closed sev-eral years ago, Trumphour and McLeod have created the kind of butcher shop they’ve always dreamed of running.

“This is what we’ve always wanted to do,” McLeod said. “We just had to take the leap.”

Trumphour and McLeod came to New Hampshire seven years ago when Stop & Shop asked them to help train meat de-partment managers and staff, and they eventually settled at the Milford store. Both men have been working with meat all their lives and have a combined total of 75 years experience between them, Trumphour said.

In August, the two butchers were in-formed that Stop & Shop was closing

down its seven stores in New Hampshire and were told they had three weeks of work left before being laid off.

Finding new jobs among local grocery stores was tough. “We were told we were overqualified,” Trumphour said. “They wanted young bloods to take and de-velop the way they wanted things done, not the way Stop & Shop did things. And they didn’t want to pay the money we were making.”

Trumphour and McLeod spent a lot of time talking, and one day they decided to take their fates into their own hands. They started driving around looking for places to put a shop, exploring Bedford, Nashua and other towns in the region. But when they found the spot in a shop-ping plaza at 222 Elm St., they knew they were home.

“It was a big gamble,” McLeod said. “We were scared.”

But they jumped in and soon found themselves surrounded by support. Once they heard a butcher shop was open-ing in town, officials came and walked Trumphour and McLeod through the permitting process, Trumphour said. “The town stepped in and helped us ev-ery step of the way,” he said.

Folks with knowledge about running small businesses offered help and infor-mation, and in the two and a half weeks since they’ve been open, the two happy butchers have been listening carefully to their customers so they can meet their needs, Trumphour said.

“We’re meat guys. We’ve never owned businesses before,” he said. “We want to make sure we’re doing it right and giving our customers what they want.”

The shop has Boar’s Head products, which are hard to find in Milford since Stop & Shop shut down. They also carry 1855 Black Angus Beef, and offer a vari-ety of cuts along with marinated and sea-soned meats and poultry, handmade sau-sage, roasts, and even some vegetables.

Trumphour said they are trying to offer products at competitive prices, and sell special meat packages featuring various cuts, including a Christmas package that comes with a free ham. And the butchers are always willing to custom cut meat.

Two Happy Butchers is open Monday through Saturday, 9 a.m. to 7 p.m. For information call 554-1339 or email [email protected].

Reprint: Unionleader.com

Laid Off Stop & Shop Butchers Open Their Own Store In Milford


Durham Marketplace made a generous donation to the New Hampshire Food Bank on December 6, 2013. The Durham, New Hampshire supermarket donated a Freight-liner Refrigerated Truck plus a check for close to $3000 collected from area busi-nesses.

At noon, Durham Marketplace owner Chuck Cressy, Store Manager Perry Shaw and Perishable Products Manager Eric Chaisson arrived at the Food Bank with the truck and a giant check representing the cash gift.

“In the spirit of our ‘Marketplace Part-ners’ program, we are thrilled to work with our local business community and the New Hampshire Food Bank to make this donation happen during the holiday sea-son,” stated Cressy. “At Durham Marketplace, our goal has al-ways been to work with the finest local suppliers, and through their work to deliver food to those in need, we consider the New Hampshire Food Bank to be one of the most important suppliers in the state.”

Cressy continued, “This is one of our largest donations ever. Combined with the cash we collected, the total is well over $15,000.

They presented the vehicle and check to Bruce Wilson, Di-rector of Operations at the New Hampshire Food Bank.

Durham Marketplace is an independently-owned, full-ser-vice grocery store, located in the heart of downtown Durham. It offers a complete assortment of meats, seafood, deli/bakery and produce items, as well as competitively priced grocery staples.

The New Hampshire Food Bank, a program of New Hamp-shire Catholic Charities, serves as the only food bank in the state, working to provide nutritious food and resources to the hundreds of thousands of New Hampshire residents that are food insecure. The Food Bank supplies millions of pounds of food annually to more than 400 partner agencies, including

Durham Marketplace Donation Helps the NH Food Bank to Keep on Truckin’

food pantries, homeless shelters, soup kitchens, children’s pro-grams, senior centers and more. In turn, these agencies provide hunger relief to those suffering from food insecurity through-out the state.

For more information about this story, please contact: Chuck Cressy [email protected] Durham Marketplace Mill Plaza Durham NH 03824 (603) 868-1694

P .O. BOX 150 SANFORD, ME 04073-0150 TOLL FREE: 1-866-477-2432 CELL: 207-712-0320 EMAIL : j imcv@ipspayments .com

Where Good Things Happen To Bad Checks

INNOVATIVE PAYMENT SOLUTIONS LLC

JIM SEAVEY President


Stamford, Conn.-based Daymon Worldwide released its eight “Global Retail Trends Predictions for 2014 and Beyond” to help retailers successfully address the contradictory, chal-lenging realities facing the industry in 2014, which Daymon dubs as “The Year of Retail Contradictions.”

“Retailers across the globe are facing a more fascinating, challenging business landscape than ever before,” said Carla Cooper, CEO, Daymon Worldwide. “We understand that de-cision-makers in our industry are dealing with contradictions that are hard to reconcile.

“These include trying to successfully serve the different needs and preferences of both the large aging population and the tech-enabled millennial group, managing physical stores while tending to the explosive growth of non-store based re-tail, and meeting consumer needs for convenience in products, services and formats that allow them to quickly get what they need while also enjoying the customized retail experiences they’ve come to expect and demand,” she added. “Each of these challenging realities will have tremendous impact on the retail landscape in 2014.”

Each trend was identified through the lens of Daymon’s Global Trendwheel, a proprietary tool that tracks 72 consumer microtrends across eight megatrends that impact global retail success. The 2014 trends, Daymon Worldwide noted, include:

1. Big vs. Small: The Redefinition of the Hypermarket/Super-center (Megatrend: Cultural Ecology) – There will be a shift from the large supercenter culture to a retail landscape where smaller formats prevail. This shift is driven by increasing ur-banization, a rise in smaller households and the consumers’ changing notion of convenience. These smaller formats will become category killers, stealing share from supercenters and mass merchandisers.

2. A Sharing Retail Economy (Megatrend: Conscious Raising) — Consumers are more interested in sharing, renting and reusing options rather than owning bulky, rarely used items. This trend will have significant implications for global re-tailers in fashion, home improvement and office supply.

3. The Muddled Middle (Megatrend: Current-CY) — The mid-dle class in the United States is shrinking, creating a bigger gap between the rich and the poor. Retailers with low-price positioning such as discounters ALDI or dollar stores will grow, as will premium retailers and specialty stores such as Whole Foods. Retailers without a clear position are at risk of becoming less relevant and losing traction.

4. The War on Obesity Escalates (Megatrend: B-Well) — Companies and governments will begin to take even more aggressive steps to promote healthful diets, leading to the rise of high-quality “cook and assemble” meals and stricter guidelines such as “no GMOs” becoming the cost of entry in retail.

5. The Kitchen Has Left the House (Megatrend: Always On) — Grocery trips are mission-based and no longer about stocking up. Grocery stores will become the kitchen. With the rise of snacking and component cooking such as heat-and-eat, retailers will need to cultivate an even closer rela-tionship with their customers.

6. Local Becomes ‘Personal’ (Megatrend: YOUniverse, All for One) — The idea of “locally sourced” products will change from foods and products sourced in the immediate area of each market to offerings available throughout the broader community, city, state and country. It will be more about personal interaction, authentic experiences and interest ver-sus just geography.

7. Retailers Amplify Branded Experiences (Megatrend: JOY-ment) — Brick and mortar stores need to provide shoppers with even more unique experiences and not just in flagship locations. For grocery, food theater such as cooking dem-onstrations and sampling must become a greater part of the shopper experience.

8. A New Way to Service the Aging Population (Megatrend: YOUniverse) — With a growing aging population, retailers will need to reach out to these consumers with products, ser-vices and in-store services (such as ergonomically friendly shopping carts) that cater to their lifestyle.For more information, visit www.daymon.com.

2014 to be ‘The Year of Retail Contradictions’

We all have different jobs to do, and our commitment to New Hampshire is what connects us.

At PSNH our dedicated employees are available around the clock, no matter what job they do. Because we believe in helping our neighbors. Just like you. Learn more about PSNH at psnh.com.

We’re all connected


It is a given that one person cannot do it alone. That is true I most businesses; and especially true in association manage-ment. Members should and do expect a substantial number of benefits for the voluntary financial contributions they make to NHGA. Today that mandate is the connection to over 40 programs, events and services offered every year to retailers and suppliers.

For the first 40 years NHGA was a two person office. The association began to embark on expanding its minimal mem-bership benefits. Before the age of modern computers, it took many more individuals to handle this increased workload. Very quickly payroll swelled with over 20 employees. With the advancement of technology, more work is completed to-day with less staff members.

Today, NHGA has 5 staff members and a state government liaison. They are closely aligned with the association’s motto to Advocate, Communicate, and Educate (ACE). They are truly dedicated to being your ‘other employees’, helping your business to succeed.

Whether it is coupon redemption, insurance questions, event participation, government relations or even operational ques-tions, your ACE Team is only a phone call or e-mail away. They look forward to talking with you any time throughout the year.

Judy Fortin

Thank you Judy. You were an inspiration to all of us. For more than eight years you were dedicated to the NHGA programs and helping everyone you met.

We will long remember your generous smile and positive attitude that you showed at all times. A perfectionist at heart, you took the time and made the extra effort to make sure things were completed right the first time.

You touched so many lives in a way that none will forget what you did for them, as a loyal NHGA employee and friend.

We are all definitely better for having known you. John M. Dumais

A Special Dedication

NHGA “A.C.E.” Staff ServesAdvocate. Communicate. Educate.

John M. Dumais, President & CEO [email protected] Direct Line (603) 315-4164

EducatEcommunicatEadvocatE

Kevin Daigle, Vice President [email protected] Direct Line (603) 315-4163

advocatE communicatE EducatE

Stuart Trachy, Legislative Consultant [email protected] (603)226-2984

advocatE communicatE EducatE

Denise Castiglioni, Accounting [email protected] (603)669-9333 ext.104

advocatE advocatE advocatE

Rose Charland, Graphics & Communications [email protected] (603)669-9333 ext.103

communicatE communicatE communicatE

New Hampshire Grocers Association

110 Stark Street, Manchester, NH 03101

Email: [email protected]

Tel: (603) 669-9333

Fax: (603) 623-1137

www.grocers.org

BENEFITSMember Only

ATM Program

Discounted financing for NHGA members

Bad Check Recovery

Business Insurance

All lines of business insurance including:

Property, General Liability, Business Owners,

Auto, Liquor Liability, and Umbrella

Coupon Redemption Program

Turn redeemed coupons into cash

Credit/Debit Card Processing

NHGA Program with Heartland Payment Systems

Dental Insurance

Group Dental Rates - special member pricing

Discount Energy Program

Health Insurance

For businesses that want to start a program to cover

employees or for individual (personal) coverage

Life & Disability Insurance

Logo/Apparel Merchandise

Payroll Services

Discounted fees on your payroll processing

STAPLES Business Program

Discounted Pricing for NHGA members

Store Supplies Center

Items for your store such as Liquor ID Guides,

Gift Certificates, Shopping Baskets and more

Workers Compensation Insurance Program

Self-insured Workers Comp Program offering members

discounted premiums with dividend earning potential

Scholarship Program

Program for your employees and their children which

awards thousands of dollars each year in scholarships

News & Food Monthly Members Magazine

Annual Who’s Who Membership Directory

Educational and Networking Events

Seminars, Conferences and Exhibits

Sponsorship and Advertising

GCSGCSGrocers Coupon Service

At any time, if you would like more information

on any of these great programs go to —

http://grocers.org/

memberservices/b

enefits.html

At your fingertips...

Freeman Sands, Membership Coordinator [email protected] (603)669-9333 ext.100

EducatE EducatE EducatE


The story of Centrix Bank starts with a distinct need for a new kind of bank and a desire to fulfill that need by two veteran bankers, Joseph B. Reilly, Presi-dent/CEO, and Lucy T. Gobin, Senior Executive Vice President & COO. After 14 years, six locations - with a seventh location scheduled to open in Nashua in November - an operations center and 135 employees, Centrix is a leader in lo-cally owned, commercial banking here in the Granite State, setting the pace and expectations for exceptional banking.

Serving small to medium-sized busi-nesses, professionals, municipalities and not-for-profit organizations, Cen-trix has solidified a unique place in the New Hampshire economy thanks to the Bank’s commitment to entrepreneur-ship, expansion and commercial devel-opment. Its services range from com-mercial loans for businesses to lockbox services for large municipalities.

Deeply rooted in the community, Centrix supports the closely-knit com-munities it serves from the seacoast to the state’s capital, the Queen City to the Souhegan Valley. The Bank also expanded its support to the Gate City with the opening of a loan production office in July of 2009, and is on track to open a full-service branch in this area in November. Through initiatives such as its Community Investment Policy and Community Outreach Program, the pro-fessionals at the Bank take volunteerism and financial support very seriously.

Centrix harbors a significant growth story; to say Centrix is well-aligned with

Joseph B. Reilly, Centrix Bank President/CEO

GROWTH: The Model to Centrix Bank’s Success

its business plan is an understatement. Its foundation of local ownership and op-eration upholds the Bank’s commitment to provide banking solutions united with the needs of the customer and the chang-ing New Hampshire business landscape.

The idea of partnering together to es-tablish a relationship and recipe for mu-tual success may be novel to some, but it’s the norm at Centrix. The Bank’s ef-fort to become engaged with customers as an active participant in planning for their future has proven to be a success-ful strategy and has pushed the Bank to continue developing such relationships throughout New Hampshire.

Centrix Bank’s success has not gone unnoticed by the state or the banking industry. In 2012, Centrix was honored as a “Leading Lender” in the U.S. Small Business Administration 504 Loan Pro-gram for N.H. and the N.E. Region. The Bank was also included in SNL Finan-cial’s annual list of the top 100 “Best Performing Community Banks” in the U.S. in 2012 and was named to Ameri-can Banker’s “Top 200 Community Banks” in the U.S. in 2013.

While others try to replicate what Cen-trix has to offer, it goes without saying that Centrix has made a name for itself as a local bank dedicated to serving the business landscape. With its com-munity banking style and vision to cre-ate cultural change, Centrix is the only dedicated commercial business bank in New Hampshire that is sharply attuned to its customers’ unique business needs. By employing a visionary and in-depth

consultative approach called C-Beyond, Centrix Bank’s talented and experienced professionals deliver the best in custom-ized business banking solutions for New Hampshire businesses, professionals, municipalities and not-for-profit organi-zations. “We’re all business.”

Bedford Branch & Executive Office 1 Atwood Ln., Bedford (603) 647-4446 Concord Branch Office 11 South Main Street, Concord (603) 224-1717 Dover Branch Office 538 Central Ave., Dover (603) 742-9494 Manchester Branch Office 41 Hooksett Rd., Manchester (603) 647-4446 Milford Branch Office 17 Armory Rd., Milford (603) 672-4200 Nashua Branch Office 11 Trafalgar Sq., Ste 105 Nashua (603) 546-0012Portsmouth Branch Office 163 Deer St., Portsmouth (603) 433-4747

LOCATIONS


Serving delicious coffee is an important part of any food-service menu. According to Bunn-O-Matic Corporation, five simple steps can help you brew the perfect cup of coffee every time.1. great coffee begins

with good water.Water makes up 98% of any coffee beverage, so using good water is a critical part of the brewing process. Tap water contains dissolved miner-als and organic compounds as well as odors that can affect coffee’s taste. Tap water (hard or soft) run through an acti-vated carbon or charcoal filter can eliminate unwanted flavors.

2. Match the right grind to your brewing time.Great coffee depends on the brewing cycle. If you don’t know your equipment’s brewing cycle, time how long it takes for the water to pass through the grounds and fill the decanter. Once you know the cycle, choose the right grind: tw0 to three-and-a-half minutes is the ideal brew time for fine grind, four to six minutes for drip and five-and-a-half to eight minutes for coarse grind.

3. Know the coffee brewing process.There’s a craft to brewing good coffee. To get the peak of flavor, it’s all in the brewing process: the right combi-

nation of ground coffee beans, good water, quality equipment and the right brewing cycle.4. The right equipment for quality filtration and extrac-tion.

All coffee brewing equipment should meet four cri-teria: steady brewing temperature 195 (Input Degree

Symbol) F to 205 (Input Degree Symbol) F, an ability to wet the entire bed of coffee grounds thoroughly and

evenly, consistent brewing time and a brew basket size and shape and filter that work together.

5. Know the right holding time for your coffee.Holding the coffee between 175 (Input Degree Symbol) F to 190 (Input Degree Symbol) F will help maintain its fresh-brewed flavor. After 20 to 30 minutes in a warmer, coffee will begin to break down and lose its flavor. Beyond 30 minutes, the taste could become objectionable. Closed airpots or other insulated containers, without direct heat, can help coffee stay fresh longer.

Reprint: nacsonline.com/naccafe

5 Steps to a Great Cup of Coffee

FEBRUARY 9-12, 2014 | Mirage Hotel & Casino | Las Vegas, NV

Where Independents GatherShow

www.theNGAshow.com

WhereIndependents

Gather

Bring Your TeamJoin fellow NHGA members

www.theNGAshow.com/register

More infoRegister


Step 1 Contact Information

Company: _______________________________________________ Tel: ___________________________

Contact Name: __________________________________________ Fax: ___________________________

Address: _______________________________________________________________________________

City: ______________________________________State: ________ Zip: ___________________________

Step 2 Packages and Registration Information.

Step 3 Registration Payment InformationBy Check: Make checks payable to NH Grocers Association Check # ____________ Check Amt: _______

By Credit Card:

Visa Mastercard Discover American Express Charge Amt:_______________

Card #: _________________________________________________________

Exp. Date: _____________ Zip Code: _____________ CV2#:______________

Authorized Card User: _____________________________________________

Step 4 Mail, Fax or email your completed registration form to:NH Grocers Association 110 Stark Street, Manchester, NH 03101 Fax: 603-623-1137 [email protected]

Registration Form

WWW.grocers.org

To download forms or

for more info

New Hampshire Food Industries Education Foundation110 Stark Street Manchester, NH 03101 Tel: [email protected]

First Name Last Name NHgA Package optional Activities ToTAL

SUB-TOTAL

PACKAGESAdULT 3 meals, lift ticket PLUS $20 Prize Raffle Ticket . . . . . . . $100AdULT NON-SKiEr 3 meals, PLUS $20 Prize Raffle Ticket . . . . . . $75ChiLdrEN (Under 17) 3 meals, lift ticket. . . . . . . . . . . . . . . . $75

OPTiONAL ACTiviTiES SPA . . . . . . . . . . . . . . . . . $65-$275 TUbING . . . . . . . $5/hr DoG SlEDDING . . . . .$99 ea. or $175 for 2 CANoPy ToUR. . . . . $99 SlEIGH RIDE . . . . . . $85 for 2 $100 for 4

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2014 ScholarshipSnow Day

Tuesday, February 25, 2014bretton Woods Ski Area

Adult $100 Adult Non-Skier $75 Child (Under 17) $75Activity(s) Number ________ $_________







YES! I would like to have our company listed as a 2014 Scholarship Snow Day Sponsor.

Company: ____________________________________________________________________________

Please list our name as: ________________________________________________________________

Address: _____________________________________________________________________________

City: ______________________________________ State: ______________ Zip: ___________________

Contact Name: _____________________________________________

SPONSORSHIP LEVEL: Select your level of participation.

Sponsorship Payment Registration Payment InformationBy Check: Make checks payable to NH Grocers Association Check # ____________ Check Amt: ________

By Credit Card:

Visa Mastercard Discover American Express

Card #: _________________________________________________________

Exp. Date: _____________ Zip Code: _____________ CV2#:______________

Authorized Card User: _____________________________________________

Mail, Fax or email your completed registration form to:NH Grocers Association 110 Stark Street, Manchester, NH 03101 Fax: 603-623-1137 [email protected]

Sponsorship Form

Nh Grocers Association10 Stark Street Manchester, NH 03101 Tel: 603-669-9333TF: 877-669-9333

WWW.grocers.org

To download forms or

for more info

2014 ScholarshipSnow Day

tuesday, February 25, 2014bretton Woods Ski Area

Nor’EastEr Snow Day Dinner Sponsor . . . $2,500

Blizzard Snow Day Dinner Sponsor . . . . . $1,250

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Frosty Cocktail Reception Sponsor. . . . . . . .$750

sNoW BuNNy Registration Desk Sponsor . . . .$500

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A special welcome goes out to the newest members at NHGA!

NHGA Welcomes New Members

If you have not paid your membership dues why not join these fine businesses today! The Association is your voice in

many vital areas that effect your business and you. For further information call (603) 669-9333.

Harvest Retail Enterprises 518 Province Rd.

Gilmanton, NH 03237

Innovative Payment Solutions, Inc. 883 Main St.

Sanford, ME 04073(207) 712-0320

The Food and Drug Administration is taking broad measures to cut the use of antibiotics in food-producing livestock, with an eye toward reducing outbreaks of drug-resistant bacteria.

The agency has been under pressure from consumer groups and some members of Congress in recent years to grapple with the problem of micro-organisms that don’t respond to the cur-rent panoply of powerful antibiotics and other “antimicrobial” drugs. It is widely believed that a prime reason for the prolif-eration of these bugs is that antibiotics such as penicillins and tetracyclines have been overused on U.S. farms for as long as half a century.

“Because antimicrobial drug use in both humans and animals can contribute to the development of antimicrobial resistance, it is important to use these drugs only when medically neces-sary,” the federal agency said. The FDA said its “final guid-ance” issued Wednesday focuses on drugs that are also used in humans. The agency said it hopes to phase out use of those medicines to promote livestock growth, and will urge that they be used only under the supervision of a veterinarian. The guid-ance is voluntary, but agency officials said they expect major makers of animal drugs to comply.

Some lawmakers and consumer advocates contend the agency should have made the changes mandatory. Rep. Lou-ise M. Slaughter (D., N.Y.) called the guidance an “inadequate response” that falls “woefully short.” Jeff Duchin, chairman of the Infectious Diseases Society of America’s public health committee, said the FDA action “allows a lot of wiggle room, and we’d like to see them move more quickly.”

Anthony S. Fauci, director of the National Institute of Al-lergy and Infectious Diseases, called drug resistance “a signifi-cant public health problem that is getting worse.” Former FDA Commissioner David Kessler said the FDA’s move is the “first significant step in dealing with this important public health concern in 20 years. No one should underestimate how big a lift this has been in changing widespread and long-entrenched industry practices.”

The FDA’s guidance urges drug makers to change drug labels to allow the medicines’ use only when medically necessary for livestock.

Some restaurant chains began phasing out the use of meat treated with antibiotics for growth purposes more than a decade ago. Many chains, such as McDonald’s Corp., don’t purchase meat of animals that were given antibiotics solely for growth. That policy applies only to drugs that are also sold for human use. McDonald’s and Wendy’s Co. require such antibiotics to be administered by veterinarians, and chains like Popeyes Louisiana Kitchen and Yum Brands Inc.’s KFC said that for years they have refused to buy chicken treated with “medically important” antibiotics for nontherapeutic purposes.

Some major U.S. meatpackers have begun selling antibiotic-free products. Smithfield Foods Inc., a unit of Shuanghui Inter-national Holdings Ltd., has used company-owned farms to raise hogs without antibiotics. Cargill Inc. in 2008 launched a line of pork raised without antibiotics, hormones or other growth stimulants, though the company said this remains a small por-tion of its overall pork business.

Tyson Foods Inc., the biggest U.S. meat processor by sales, earlier this year rolled out a line of antibiotic-free fresh and frozen chicken products under the Nature Raised Farms brand. For its conventional meat products, Tyson said it encourages the “responsible use” of antibiotics by its suppliers.

Some livestock and poultry farmers said they cut back on an-tibiotic use in recent years or eliminated them entirely, respond-ing to meatpackers’ requests. Walt Dockery, a chicken farmer in Douglas, Ga., said he phased out antibiotics almost entirely two years ago at the request of poultry company Pilgrim’s Pride Corp., which buys Mr. Dockery’s birds.

Reprint www.wsj.com —Kelsey Gee and Annie Gasparro in Chicago contributed to this article.

FDA Moves to Cut Use of Antibiotics in Food-Producing Livestock

Agency Says Goal is to Reduce Outbreaks of Drug-Resistant Bacteria


Association Members Workers’ Compensation Trust

NHGA Members Recently EnrolledThese NH Grocers Association Members have joined hundres of other members, taking advantage of this low-premium high-benefit member only Workers’ Comp Program.

If you’re not in the Association Members Workers’ Comp Trust, call us now 603-669-9333.

Join your fellow members in this low-premium, dividen earning program

Grazi’s Convenience Food Store

192 North Main St.Newport, NH 03773

Many self-employed people will be quick to tell you that getting and paying for health insurance is one of the biggest hassles they face. But this may change for the better under the Patient Protection and Affordable Care Act (PPACA), com-monly called “Obamacare” which provides new coverage op-tions for the self-employed.

Are You Self-Employed or an Employer? Before you start evaluating your new options for health cov-

erage, you need understand whether you are in fact considered self-employed under Obamacare.

The law says you are self-employed if you are an indepen-dent contractor or a sole proprietor without employees. (If you hire other independent contractors to do some work for you, you probably still qualify as self-employed.) Self-employed people can use the new health care marketplace to purchase individual health insurance plans.

If you have employees – usually, workers whose income you report on a W-2 at the end of the year -- you’re an employer. In that case, you can learn about purchasing health insurance for yourself and your employees through the SHOP Marketplace.

If you aren’t sure whether the people who work for you are independent contractors or employees, read “Independent Con-tractor (Self-Employed) or Employee?” on the IRS website.

What Obamacare Means for Self-Employed People in New Hampshire

Here are six things self-employed people should know about the Obamacare health insurance reforms:

You must have health insurance, unless you are legally ex-empt. You are required by law to sign up for a health insur-ance plan by March 31, 2014. If you don’t, you may have to pay a tax penalty. There are limited exceptions to this rule.

You can’t be denied coverage or charged more because of pre-existing health conditions. If you’ve been turned down or priced out in the past, you should have new options for cover-age under Obamacare.

If you don’t like your current plan, you can shop for new coverage at HealthCare.gov, the health insurance marketplace for New Hampshire. All plans offered by the marketplace of-fer a package of essential benefits, including hospitalization, prescription drug coverage, preventative care, and more.

If you do like your current plan, you may or may not get to keep it. Health insurance providers have canceled many exist-ing insurance plans that don’t meet Obamacare’s requirements. People with individual coverage -- for example, self-employed people who buy their own insurance -- have been dispropor-tionately likely to lose their current plans. If this has happened to you, what’s next is not entirely clear. You may have to go to your state’s exchange to buy a new plan -- or you may get to temporarily keep your old plan because of a fix proposed by President Obama. Get in touch with your current insurer to see whether keeping your existing plan may be an option.

You may qualify for cost-saving subsidies to lower your monthly premiums and/or reduce your out-of-pocket costs for health care. To qualify for subsidies in 2014, you need to make less than about $46,000 per year as a single person. To learn more about cost saving options, see below.

If you do qualify for subsidies, and your self-employment income fluctuates, your taxes could get more complicated.

You can go to HealthCare.gov to compare the features and costs of a variety of plans, and to determine whether you qual-ify for subsidies. When you’re ready, you can use the exchange to sign up for the plan you want.

How Obamacare May Affect You at Tax TimeAs a self-employed person, chances are good that your in-

come rises and falls from year to year. If that happens, your eligibility for cost-saving subsidies will change, too.

When you apply for coverage at HealthCare.gov, you’ll es-timate your annual income, then your eligibility for subsidies will be calculated automatically. As your income rises, your eligibility declines. If you underestimate your income during the application process, you may end up owing money to the IRS when you file your taxes. Overestimate, and you may get money back. Don’t make your estimation casually. If you do, you could end up with an unpleasant surprise when your file your 2014 tax return.

Health Care Coverage for the Business Owner Sole Proprietors and Self-Employed New Hampshire Residents


Diabetes andOral Health

There is growing acceptance among medical professionals that diabetes is associated with increased occurrence and progression of periodontitis, also known as periodontal or gum disease. Routine dental visits and good oral hygiene habits can help diabetic patients improve their overall health, including other chronic conditions often present with diabetes.

If you are one of the nearly 26 million Americans with diabetes, talk to your dental provider to be sure you are doing everything possible to achieve your best oral health; and tell your medical providers if you have been diagnosed with periodontal disease.

Contact Kevin Daigle at NHGA at 603-669-9333 to discuss dental benefits for you and your employees.

Northeast Delta Dentalwww.nedelta.com

Diabetes andOral Health

There is growing acceptance among medical professionals that diabetes is associated with increased occurrence and progression of periodontitis, also known as periodontal or gum disease. Routine dental visits and good oral hygiene habits can help diabetic patients improve their overall health, including other chronic conditions often present with diabetes.

If you are one of the nearly 26 million Americans with diabetes, talk to your dental provider to be sure you are doing everything possible to achieve your best oral health; and tell your medical providers if you have been diagnosed with periodontal disease.

Contact Kevin Daigle at NHGA at 603-669-9333 to discuss dental benefits for you and your employees.

Northeast Delta Dentalwww.nedelta.com

NH the Beautiful Does it Again!The city of Portsmouth was recently awarded $5,000

toward the purchase of 1,000 recycling bins.The award was presented to Director of Public Works

Peter Rice and James Dumont, facilities director for the city, by John Dumais and Scott Schaier of N.H. the Beautiful Inc. Also present were Todd Croteau, DPW general foreman, and Adam Clark, member services, Northeast Resource Recovery Association.

State Sen. Martha Fuller Clark of Portsmouth also stopped by to offer her support. N.H. the Beautiful of-ficials said they applaud the city for continuing to im-prove its recycling program.

Watch for Security & Safety

Preventative Measure

You don’t want to miss news & Food Report

in FebruaryLearn ways to protect

your store and employees from the increasing

robberies happening across the state

and nation.


WHO IS ELIGIBLE?High school seniors, college freshmen, sophomores and juniors who are dependent children of parent employed by a dues-paying NHGA Retailer or Supplier Member. (Parent/employee must have been employed for at least one year prior to January 1 of scholarship award year.)

Full-time students who are a part-time employee of dues-paying NHGA Retailer or Supplier Member. (Must have been employed for at least 6 months prior to January 1 of scholarship award year.)

Note: Applicant or parent of applicant must still be employed by dues-paying NHGA Retail or Supplier Member at the time the winners are announce.

Deadline is April 1 of Award Year

ood IndustriesEducation Foundation

NEW HAMPSHIRE

for College or a qualified Trade School?

$1,000$1,000Do you know someone who could use

110 Stark Street, Manchester, NH 03101-1977Phone: 603-669-9333 • Fax: 603-623-1137email: [email protected]

Over

Scholarshipsto be awarded

this year!

5050No-Cost Posters

Available January 6, 2014Order YOurs TOdAY!

New User Friendly On-line Application available January 6, 2014!


door ControlJiffy Mart

law WarehouseNortheast delta dental

rJ reynolds

Thank You to our

Medallist Sponsors

PLATINUM

GOLD

SILVER

BRONzE

Become a Medallist Sponsor Support your New Hampshire Grocers Association

Our Medallist Sponsorship provides an unequaled opportunity to focus your attention on the strategies that matter the

most to your company’s successful growth. STRATEGY: ROI: •Boost your company’s visibility •Enhanced competitive position •Showcase your services •Increased recognition •Connect with clients and partners •Gain new customers & market share

Call 603-669-9333 for more information.

NHGA NEW MEMBER BENEFITS

EASY TO READ. QUICK REFERENCE. A MUST HAVE.Receive our 26 Page Flip Chart which covers most common emergencies, printed on durable glossy paper

Emergency Procedures for Retail Food Establishments

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603-669-9333


Retailers, if your supplier is not listed here, tell them about the benefits of a NHGA membership. Better yet, let us send them a valuable information packet in your name.

New Hampshire grocers association110 Stark Street, Manchester NH 03101Toll Free: (877)669-9333 ext. 105 or Email: [email protected]

adVerTISINgGriffin, York & Krause. . . . . . . . . . . . . . . . . . . . (603)625-5713

BaKerIeSLepage Bakeries. . . . . . . . . . . . . . . . . . . . . . . . (207)783-9161

BaNKINgCentrix Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . (800)483-0220

BeVerageA&J Beverage, Inc. . . . . . . . . . . . . . . . . . . . . . . (603)772-4045Amoskeag Beverage. . . . . . . . . . . . . . . . . . . . . (603)622-9033Bellavance Beverage . . . . . . . . . . . . . . . . . . . . (603)882-9722Candia Vineyards . . . . . . . . . . . . . . . . . . . . . . . (603)867-9751Coca-Cola Companies:

Seacoast . . . . . . . . . . . . . . . . . . . . . . . . . . . . (603)926-0404Bottling Co. of NNE . . . . . . . . . . . . . . . . . . . . (603)627-7871Lakes Region . . . . . . . . . . . . . . . . . . . . . . . . . (603)267-8834

Clarke Dist. Keene . . . . . . . . . . . . . . . . . . . . . . (603)352-0344Great State Beverage. . . . . . . . . . . . . . . . . . . . (603)627-7677Jewell Town Vineyards . . . . . . . . . . . . . . . . . . . (603)394-0600Law Warehouses. . . . . . . . . . . . . . . . . . . . . . . . (603)883-5531MG Coggee Roasters . . . . . . . . . . . . . . . . . . . . (802)281-4151NH Distributors, Inc.. . . . . . . . . . . . . . . . . . . . . (603)224-9991NH Wholesale Beverage . . . . . . . . . . . . . . . . . (603)742-2212Pepsi-Cola Companies:

Pepsi of Manchester . . . . . . . . . . . . . . . . . . . (603)656-6853Perfecta Wine Company . . . . . . . . . . . . . . . . . (603)645-1234Polar Corp. . . . . . . . . . . . . . . . . . . . . . . . . . . . . (800)225-7410Southern Wine & Spirits . . . . . . . . . . . . . . . . . (603)223-2323Wine Institute . . . . . . . . . . . . . . . . . . . . . . . . . . (603)580-2490

daIrYGarelick Farms . . . . . . . . . . . . . . . . . . . . . . . . . (800)343-4982HP Hood. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (800)628-8207Oakhurst Dairy . . . . . . . . . . . . . . . . . . . . . . . . . (800)482-0718Sure Winner Foods . . . . . . . . . . . . . . . . . . . . . . (207)282-1258

HealTH & BeauTY dISTrIBuTorSImperial Distributors . . . . . . . . . . . . . . . . . . . . (508)756-5156

ICe dISTrIBuTorSLaconia Ice Company. . . . . . . . . . . . . . . . . . . . (800)244-2143

INSuraNCe, FINaNCIal PlaNNINgAssociation Benefits Ins. . . . . . . . . . . . . . . . . . (603)786-2944Benefits Brokerage . . . . . . . . . . . . . . . . . . . . . (603)669-9333CGI Retirement Services . . . . . . . . . . . . . . . . . (603)232-9317Clark Mortenson. . . . . . . . . . . . . . . . . . . . . . . . (603)352-2121Cove Risk. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (800)790-8877Cross Insurance . . . . . . . . . . . . . . . . . . . . . . . . (603)528-5255Geo M. Stevens & Sons Co.. . . . . . . . . . . . . . . (603)788-2555Northeast Delta Dental . . . . . . . . . . . . . . . . . . (800)537-1715

MaNuFaCTurerSDurkee Mower Inc. . . . . . . . . . . . . . . . . . . . . . . (781)593-8007

MeaTSNorth Country Smokehouse . . . . . . . . . . . . . . (603)543-0234

PaPerCentral Paper Products . . . . . . . . . . . . . . . . . . (603)624-4064

PaYrollCheckmate Payroll Services . . . . . . . . . . . . . . (603)225-2004

FINaNCIal SerVICeSCGI Retirement Services . . . . . . . . . . . . . . . . . (603)232-9317

ProduCeThe Fruit Center. . . . . . . . . . . . . . . . . . . . . . . . . (603)641-0080

real eSTaTeNH Business Sales . . . . . . . . . . . . . . . . . . . . . . (603)279-5561

reFrIgeraTor/HeaTINgAdvanced Refrigeration . . . . . . . . . . . . . . . . . . (603)623-4499Delta Mechanical Corp.. . . . . . . . . . . . . . . . . . (603)668-6515

SerVICe & SuPPlIeSCarriage Care . . . . . . . . . . . . . . . . . . . . . . . . . . (603)749-4630Door Control . . . . . . . . . . . . . . . . . . . . . . . . . . . (800)258-9742GS1 Global Public Policy . . . . . . . . . . . . . . . . . (202)625-4634Heartland Payment Systems . . . . . . . . . . . . . . (800)398-2809Imagetek Labels . . . . . . . . . . . . . . . . . . . . . . . . (802)885-6208Innovative Payment Solutions. . . . . . . . . . . . . (207)712-0320Monsanto Company . . . . . . . . . . . . . . . . . . . . . (617)645-3059NH Lottery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (603)271-3391NH the Beautiful . . . . . . . . . . . . . . . . . . . . . . . . (888)784-4442Public Service of NH. . . . . . . . . . . . . . . . . . . . . (866)967-0152Rateliner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (603)455-2453

SNaCK FoodSHutchinson’s Candy . . . . . . . . . . . . . . . . . . . . . (603)926-3033 Cape Cod Potato Chips . . . . . . . . . . . . . . . . . . (781)444-0447Wise Foods . . . . . . . . . . . . . . . . . . . . . . . . . . . . (603)624-8340

SPeCIalTY FoodSAfterburn Hot Sauce. . . . . . . . . . . . . . . . . . . . . (603)715-9192 Cucina Aurora . . . . . . . . . . . . . . . . . . . . . . . . . . (603)458-6159

ToBaCCoAltria . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (518)431-8000RJ Reynolds . . . . . . . . . . . . . . . . . . . . . . . . . . . . (336)741-5000

WHoleSale groCerSAG of New England . . . . . . . . . . . . . . . . . . . . . . (603)223-6710Bozzuto’s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (203)250-5398C&S Wholesale. . . . . . . . . . . . . . . . . . . . . . . . . (978)749-2601Capital Candy . . . . . . . . . . . . . . . . . . . . . . . . . . (802)476-6689Pine State Trading . . . . . . . . . . . . . . . . . . . . . . (207)622-3741

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SEE IT ‘TIL yOu SELL IT! for one low price of $25Black & White Ad can not exceed

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Members can send photo and ad copy to [email protected] and we will invoice you $25.

concoRd convEniEncE StoRE File #213027This stores focus is on providing local, fresh goods from New Hampshire along with a wide assortment of well-stocked groceries, beer and wine. The store carries general merchandise such as cereals, milk, bread, snacks, hot and cold beverages and household cleaners. It truly is a neighborhood store with many people from the area stopping in daily. Paved parking, municipal water & sewer, air conditioned. Real estate and inventory are included. $285,000

c’StoRE/FuEl/apaRtmEnt/RE File #213011Acquire this profitable store and enjoy business ownership along with the beauty and unique lifestyle of New Hampshire’s Great North Woods. The upstairs apartment, which was recently renovated, could be used for rental income or as owner’s quarters. This excellent location is near a state snow mobile system as well as an ATV trail network which is good for fuel sales. Along with the usual and customary convenience store items, they also sell hunting and fishing licenses and are a deer registration station during hunting season. The building is about 4,300 sq ft and has a basement for storage along with a detached garage on 1.8 acres of real estate. Inventory is included in the price. $449,000

oSSipEE lakE countRY StoRE File #213006Continue the current owner’s 27 years of profitable operation. A new owner could live in one of the three apartments located above the store. The business sits on 1.3 acres of land with a 7,527 square foot main building and an unattached 960 square foot building. This profitable business grosses over $1M/yr in sales. Turnkey operation with deli, fuel, lottery, beer & wine, and the usual array of convenience store items. Excellent location right on Route 16. $1,250,00

convEniEncE StoRE with GaS File #213014Excellent location directly off I-93 in north central New Hampshire. This is a 4-season tourist area with visitor attractions including Waterville Valley skiing, the Owl’s Nest Golf Club, seasonal campgrounds, canoeing/kayaking opportunities and trails for hiking, biking, snowmobiling & horseback riding. Sales in 2012 were nearly $2M. Living quarters, if needed for an owner/manager, are readily available on-site or elsewhere in the immediate area. Turn-key operation with groceries, fuel, lottery, beer and wine, minimal pre-packaged foods, and sundry other retail products. $250,000

Contact NH Business Sales, Inc. 603-715-1097 or [email protected]

Under Age Tobacco Sales

Under new FDA regulations, retailers must card any customer under 27 purchasing tobacco products. Even if no sale is made, stores can be fined for failing to check ID. Additionally, if a purchase is made to a minor, retailers can face double penalties; selling to a minor and failing to check ID.


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