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Old 11-22-2021, 06:50 AM   #1
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Default '21 Moultonborough Tax Rate Delay

Does anyone know why Moultonborough's tax rates aren't set yet and/or when they will be?

I don't really wanna pay taxes in the first place, but it seems like they're very late this year?

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Old 11-22-2021, 08:24 AM   #2
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I called Moultonborough tax collector last week asking the same question. I was told that they are waiting for the State of NH to inform them as to what the tax rate will be. Said it may be another couple of weeks.
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Old 11-22-2021, 09:53 AM   #3
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I called Moultonborough tax collector last week asking the same question. I was told that they are waiting for the State of NH to inform them as to what the tax rate will be. Said it may be another couple of weeks.
If that's the case, the bills might not be due until after the new year. Pretty crazy.

I wonder what the issue is?

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Old 11-22-2021, 06:14 PM   #4
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The silence from M'boro Town Hall is deafening. Have you heard what the percent increase in overall assessed valuation is for the current update? Have you heard what the percent changes were for waterfront land, waterfront buildings, commercial, non waterfront land, non waterfront buildings? Nope, me neither. Silence. But BOS busies themselves with small ball items like approving raffles, steamboat rallies, etc. However no discussion or information on property taxes. PENDING state approval, they could disclose what the preliminary change will be in the town and school tax rates as well as the county portion of the bill....all PENDING. They have the data.
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Old 11-22-2021, 07:25 PM   #5
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Laconia waterfront homes increased approximately 11%


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Old 11-23-2021, 09:49 PM   #6
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According to this weeks Town Administrator weekly report and a discussion with town officials, it appears the "problem" has been caused solely by the SAU45 School Board / Administration who have failed to meet the required due dates for forms to be submitted to the state. And it seems they may not have been submitted as of yet. We are not talking about a day or so late....we are talking about WEEKS!!! I do not understand how they can miss important dates and cause problems for taxpayers at year end. Where is the accountability?? The schools need to do their job ON TIME and submit their data immediately if they have not done so. If you go to the NH DRA web site, there are six pages of cities/towns that have had their tax rates approved, so others are able to get the job done on time.
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Old 11-24-2021, 04:57 AM   #7
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According to this weeks Town Administrator weekly report and a discussion with town officials, it appears the "problem" has been caused solely by the SAU45 School Board / Administration who have failed to meet the required due dates for forms to be submitted to the state. And it seems they may not have been submitted as of yet. We are not talking about a day or so late....we are talking about WEEKS!!! I do not understand how they can miss important dates and cause problems for taxpayers at year end. Where is the accountability?? The schools need to do their job ON TIME and submit their data immediately if they have not done so. If you go to the NH DRA web site, there are six pages of cities/towns that have had their tax rates approved, so others are able to get the job done on time.
Sure, schools (and other government entities) should be getting their stuff done on time, but I'm not angry about the delay (nor do I think anyone else should be). I mean, I'm not exactly chomping at the bit to give money away, right?!

I was merely asking to confirm I hadn't missed anything and to make sure I didn't need to make a change in budgeting as we get into the Christmas season. We've already started to hemorrhage money, soooo...

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Old 11-24-2021, 07:25 AM   #8
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The form...MS-25 is due to DRA on September 1st. It is now over 2 months overdue. Seems to be a problem here. Some people do care about getting their bills on time and being able to pay before December 31st for tax purposes.
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Old 11-24-2021, 08:26 AM   #9
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The form...MS-25 is due to DRA on September 1st. It is now over 2 months overdue. Seems to be a problem here. Some people do care about getting their bills on time and being able to pay before December 31st for tax purposes.
I get it, I do—it's why I asked—but we're not all that late. Last year, bills were sent out 11/9, the year before on the 22nd.

And we still have, like, five weeks before the end of the year and taxes become a thing.

I guess I'm just trying to keep all those things in my life in perspective, and, all other things considered, this isn't a big deal at all.

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Old 11-24-2021, 01:36 PM   #10
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so at least consistently late
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Old 11-24-2021, 01:47 PM   #11
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Default A real problem

If indeed, the town has not sent in the form(s) in a timely fashion for me that is a very real problem. Now, this does not have an effect on me, being a resident of Alton. However, I can put it in a perspective that most property owners may relate to.

In my prior life, I worked in personal lines insurance for a couple of different insurance companies, and at times, we would send out "Renewal Questionnaires". These forms, conspicuously stated at the top and bottom of the firm, that failure to return the form before xxxxxx date could result in non-renewal of the policy.

I'm sure that the State informs towns that failure to send in the required documents will result in a delay in the results being processed. (If it was me, a form two months late would automatically find its way to the bottom of the pile).

Hopefully residents will remember who is responsible for the delay, especially if this ends up being a recurring problem.

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Old 11-24-2021, 02:02 PM   #12
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so at least consistently late
Is there an expected or required time for taxes?

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Old 11-27-2021, 09:54 AM   #13
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Default Late RE Tax Bill 2014-2015

As a point of reference only, back in December 2014, Moultonborough's RE tax bills were dated 12/5/2014 with payment due date of 1/5/2015.
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Old 11-27-2021, 01:39 PM   #14
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Is there an expected or required time for taxes?

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Usually municipalities will try to get them out in time to set a December 1st due date on them for purposes of keeping two payments in the same federal tax year.

It helps for planning purposes for those that itemize.
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Old 11-29-2021, 03:37 PM   #15
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Amazingly the M'boro Board of Selectmen has just posted a meeting for tomorrow, Nov. 30th at 4PM to finalize the tax rate. Don't expect any heavy lifting by anyone on this agenda item, but if the rate gets officially approved, then I would expect bills to come out shortly thereafter. Maybe there will be some sort of estimate tomorrow as to when they expect the bills to be mailed.
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Old 11-30-2021, 04:45 PM   #16
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... a meeting for tomorrow, Nov. 30th at 4PM to finalize the tax rate
The select board vote was to go with 6.98 total tax rate for Moultonborough.
Last year was 7.13 total.

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Old 11-30-2021, 06:58 PM   #17
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Taxes will go up somewhat
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Old 11-30-2021, 09:19 PM   #18
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The select board vote was to go with 6.98 total tax rate for Moultonborough.
Last year was 7.13 total.
Yes, but one member of the BOS....Ms. Beadle....was entrenched in not using a larger portion of the EXCESS unassigned fund balance that is at a 17+% rate vs. the BOS target of 12.5% to offset the increase in tax rate and voted to abstain from the final vote. Bottom line, she was OK raising your taxes with a flat year over year tax rate and keeping excess money way over the board target in the town rainy day "bank" account instead of returning more of it to taxpayers when there was a significant increase in assessed valuations. At least the remaining four board members did the correct thing for taxpayers. Congratulations to Selectman McGee for putting up a fight to get a lower rate for taxpayers.
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Old 12-01-2021, 04:58 AM   #19
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Default Moultonborough Tax Rate...Thoughts

Thanks for the update Tummyman.

We continue to be impressed with BOS Chuck McGee; his grasp of the issues, their impact on the numbers year round and for maintaining an open and fair perspective to other's point(s) of view, all highly commendable given the sensitivity of the current political climate.

With inflation running at a 30 year high and now no longer considered "transitory"; with gasoline, food, heating oil/propane and everything else exploding in cost, increasing assessments and the Unassigned Fund Balance maintaining a sizeable excess vs. BOS plan, not sure why or how BOS Ms. Beadle or any selectman could abstain on such a critical issue? The excess (cash) is earning little interest while many of our locals struggle and will continue to struggle....why then not find common ground? Ms. Beadle's abstention warrants serious consideration.

As Tummyman states, the other four BOS and Chuck McGee in particular are to be commended for their courage, dedication, concern, well-being of our community, its residents and the system overall. Thank you all for your service to our community.
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Old 12-01-2021, 06:37 AM   #20
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Default Meredith

Has Meredith set their rate yet ? Last years billing date was 11/30, due on 1/6.
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Old 12-01-2021, 07:13 AM   #21
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Yes, but one member of the BOS....Ms. Beadle....was entrenched in not using a larger portion of the EXCESS unassigned fund balance that is at a 17+% rate vs. the BOS target of 12.5% to offset the increase in tax rate and voted to abstain from the final vote. Bottom line, she was OK raising your taxes with a flat year over year tax rate and keeping excess money way over the board target in the town rainy day "bank" account instead of returning more of it to taxpayers when there was a significant increase in assessed valuations. At least the remaining four board members did the correct thing for taxpayers. Congratulations to Selectman McGee for putting up a fight to get a lower rate for taxpayers.
If I'm reading this correctly, you're upset that more of the "rainy day fund" wasn't liquidated to reduce taxes?

If so, and I accept that I don't know all the details as my overall tax is very low so I don't pay much attention, I would rather keep as much money in the RDF as possible without greatly increasing taxes because, in the long run, that can be more beneficial.

Case in point: 15 years ago, my town had money put aside for a new library. The people in charge then decided to liquidate that, something like $2M, for a one-time tax reduction. Most people got, like, $200 back and now, almost two decades later, we have an old, inefficient library, and it would cost exponentially more to have a new one built.

In short, my town will probably never have a new library for an average household savings of $200 in one tax year.

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Old 12-01-2021, 08:38 AM   #22
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MoBo tax collector:
"Hello folks,
The tax rate was set later than usual this year. The projected mail date (based on the turn around from the company that prints and mails our tax bills) will be no later than December 13. January 19, 2022 will be the tax bill due date (providing DRA signs off on the tax rate).
If you have questions regarding payments, how to pay (especially if you’re traveling during the holidays), please reach out to the Tax Office at 603-476-2347 or taxcollector@moultonboroughnh.gov."

Regarding Tummyman's pertinent comments, the "unassigned funds" were debated, whereby one of the board members wanted to keep the tax rate at 7.13 and the rest of the board voted to reduce the tax rate to 6.98 and still have plenty of contingency money in the unassigned fund.

The state, I believe, recommends 5%-12% and Mobo has much more than that (??? 15%-17%).



The stream of the meeting can be seen here:

https://townhallstreams.com/stream.p...id=51&id=41501
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Old 12-01-2021, 09:00 AM   #23
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Let's dig into the "facts" a little more. Did you know that at the end of last 2020 fiscal year, the town had an unassigned fund balance of over $5.4million that at the time, represented 55% of the TOTAL ANNUAL town general fund expenditures (page "v" of 2020 Annual Audit Report). Did you know that the 17+% fund balance is calculated using not only town expenditures but also includes the gross expenditures of the SAU45 school district, Carroll county assessment, and the state wide education assessment levy (same page "v" of 2020 Anual Audit Report)? Did you know that, on top of the 17+% unassigned fund balance that the town has additional specially designated trust fund reserves of $5.9 million (page 128 of 2020 Annual Report) as of the end of 2020? Did you know that the schools also have unassigned fund balances and health cost reserves ON TOP of the town amounts (ABC report on schools dated 1/26/2021)? The town is not poor by any measure. It seems to me there are PLENTY of reserve funds available. And no, we do not need a new library, new police or fire station, town hall, etc. etc. And nobody has said how much more unassigned funds will be added to these totals once the current fiscal year results are known. It may very well be that the 18 month budget had extra amounts that will be unexpended by the time the year closes. As a result, I respectfully say your arguments for a high reserve fund balance are not factually based and therefore absolutely not valid.

Let's get real honest here. The bulk of property taxes come from lakefront assessments where the majority of folks cannot vote on town expenditures. Warrant articles for many items show funding from the unassigned fund balance. By keeping the unassigned balances high and not returning excesses to taxpayers who actually paid the extra amounts, it is easy to fund and vote on discretionary projects by saying money comes from unassigned and not from the tax rate. Ah, not impacting the tax rate makes it so much easier for town meeting to approve the expenditure. Ms. Beadle was clear in wanting to hold these balances high for exactly this reason. So the many lakefront owners who have no say at town meeting are funding these excess reserves that are not being returned to taxpayers who overpaid in the first place. Mr. McGee was clearly advocating to return a larger portion of the excesses to the taxpayers and in my opinion should be applauded for that.
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Old 12-01-2021, 09:47 AM   #24
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Let's dig into the "facts" a little more. Did you know that at the end of last 2020 fiscal year, the town had an unassigned fund balance of over $5.4million that at the time, represented 55% of the TOTAL ANNUAL town general fund expenditures (page "v" of 2020 Annual Audit Report). Did you know that the 17+% fund balance is calculated using not only town expenditures but also includes the gross expenditures of the SAU45 school district, Carroll county assessment, and the state wide education assessment levy (same page "v" of 2020 Anual Audit Report)? Did you know that, on top of the 17+% unassigned fund balance that the town has additional specially designated trust fund reserves of $5.9 million (page 128 of 2020 Annual Report) as of the end of 2020? Did you know that the schools also have unassigned fund balances and health cost reserves ON TOP of the town amounts (ABC report on schools dated 1/26/2021)? The town is not poor by any measure. It seems to me there are PLENTY of reserve funds available. And no, we do not need a new library, new police or fire station, town hall, etc. etc. And nobody has said how much more unassigned funds will be added to these totals once the current fiscal year results are known. It may very well be that the 18 month budget had extra amounts that will be unexpended by the time the year closes. As a result, I respectfully say your arguments for a high reserve fund balance are not factually based and therefore absolutely not valid.

Let's get real honest here. The bulk of property taxes come from lakefront assessments where the majority of folks cannot vote on town expenditures. Warrant articles for many items show funding from the unassigned fund balance. By keeping the unassigned balances high and not returning excesses to taxpayers who actually paid the extra amounts, it is easy to fund and vote on discretionary projects by saying money comes from unassigned and not from the tax rate. Ah, not impacting the tax rate makes it so much easier for town meeting to approve the expenditure. Ms. Beadle was clear in wanting to hold these balances high for exactly this reason. So the many lakefront owners who have no say at town meeting are funding these excess reserves that are not being returned to taxpayers who overpaid in the first place. Mr. McGee was clearly advocating to return a larger portion of the excesses to the taxpayers and in my opinion should be applauded for that.
It's hard to follow your facts—how much in total does Moultonborough have in "rainy day" reserves? Over $11M? If so, I agree. That's a lot of money. A few million, though, can go really fast with a couple emergency repairs, and I'd much rather have a consistent tax rate with reserves than a fluctuating one to compensate.

Let's also recognize that you're clearly bitter about this process and the funds and that you may not be completely objective (just sayin'!).

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Old 12-01-2021, 09:58 AM   #25
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Let's not get personal. Facts are facts. Yes, reserves are somewhere in the +/- $11M range. Enough said....
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Old 12-01-2021, 10:09 AM   #26
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Let's not get personal. Facts are facts. Yes, reserves are somewhere in the +/- $11M range. Enough said....
Fair enough—not my intention to get personal, just pointing out the tone; apologies, friend.

I agree that $11M is higher than I would expect Moultonborough to keep in reserve. I suppose, however, that I'd need to know how much that would affect the tax rate. If we're talking cents, I'd say keep it and work it out through the upcoming years' needs. Whole dollars might be a different question, though.

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Old 12-01-2021, 04:46 PM   #27
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I suppose, however, that I'd need to know how much that would affect the tax rate. If we're talking cents, I'd say keep it and work it out through the upcoming years' needs. Whole dollars might be a different question, though.
According to the town administrator at the meeting, the board reviewed numerous unassigned fund balance amounts to determine the rate, from $400,000 which would keep the rate at 7.13, to $1,000,000 which would lower to 6.98.

I think one of the board members used a hypothetical $300,000
(or something) assessment on a house for an idea of effect of the rates.

Not good at math, $300,000 at 7.13/1000 is $300,000 x .00713 = $2139 tax
.................................................. ..........$300,000 x .00698 = $2094 tax
Difference is $45 for the year.

................................................,. .......$1,000,000 x .00713 = $7,130 tax
.................................................. .......$1,000,000 x .00698 = $6,980 tax
Difference is $150 for the year.

Town policy #32 tries to keep Unassigned Fund balance at 12.5% (in fact, it is higher).
See item 5 (b) in town policy #32:

https://www.moultonboroughnh.gov/sit...alance2015.pdf


Maybe there should be more discussion on the use of unassigned funds on town meeting warrants ... or truly "unexpected" expense... with repeat performances!

Smoothing or keeping fairly linear, tax rates, is a good thing. However, a warrant "appropriation" should not be an anticipated, "unexpected," expense" .

Also, how much revenue interest is the fund earning?
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Old 12-05-2021, 05:37 PM   #28
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Mine went up 5%
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Old 12-05-2021, 06:51 PM   #29
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NHDRA explains how to calculate property taxes as it releases new town tax rates

https://www.revenue.nh.gov/documents...2021_FINAL.pdf
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