Nice little town in the NH lakes region (along with North Sandwich, Sandwich and all of the other Sandwiches).
The light border is from the Nik Color Efex Pro Vignette Blur filter. I'm still experimenting with the Nik CEP software. I find the Grad ND filter useful (it by no means replaces the real thing) for toning down a portion (left, right, top or bottom) of an image when I want to focus the viewer's attention elsewhere. The Darken/Lighten Center filter is also useful for the same reason. The 3 different B&W conversion filters are great. That accounts for 5 of the 75 total; the remainder have yet to find a place in my "arsenal of tools" since I prefer the images to be as close to what I saw in the viewfinder as possible.