Joseph Bednar, Author at BusinessWest

Vice President and Commercial Loan Officer, Greenfield Northampton Cooperative Bank: Age 34

As a commercial lender at Greenfield Northampton Cooperative Bank, Adam Baker led all team members in both number of loans originated and dollar amount closed. Not just one year, but in seven consecutive years, from 2016 to 2022.

Not bad for someone who found himself in an accidental career.

“I took a summer job as a teller and got promoted,” he said, a story that’s not uncommon in the banking world. As in many other cases, Baker found he not only had a knack for the work, but a passion for it, too.

“I’m a commercial lender, so I work with people buying investment properties. I get to help people follow their dreams, start businesses, reach their financial goals, or further their businesses,” he explained. “As a local bank, we know all our customers; they’re not just numbers, they’re people. We get to interact with them on a personal level and give them a higher level of service.”

As a leader of his institution who helped the bank achieve some of its strongest growth and profitability over the past six years, he also came through during challenging times, helping to lead the Paycheck Protection Program during the pandemic, and making sure hundreds of local businesses received a needed influx of cash so they could keep their teams employed.

Baker is also a managing member and owner of Alpal Properties LLC, which owns and manages more than $1 million in investment real estate.

Heavily involved in the community, he’s the treasurer and chair of the finance committee, as well as a member of the building committee and board of directors, for Lighthouse Personalized Education for Teens in Holyoke. He’s also on the board of directors for Empty Arms Bereavement Support in Florence and serves on its Syrup Stampede 5K fundraiser committee. He also devotes time to Horizons for Homeless Children in Springfield — volunteering more than 100 hours annually, in fact, with homeless children.

“These things are very important to me because I feel like I get to help these great organizations that do all the hard work,” Baker explained. “For example, Lighthouse is helping children, and I’ve always had a passion for helping kids in whatever way I can. My position as vice president of the bank allows me to be a treasurer at some of these places and make a difference; it’s one of the most gratifying things in my life.”

—Joseph Bednar

Emily Banerjee

Fitness Coach and Owner, BuildEmUp: Age 29

Emily Banerjee

One of the many people who nominated Emily Banerjee for the 40 Under Forty class of 2023 called her “the living model of leading by example.”

That’s because Banerjee grew up in Springfield, earned a bachelor’s degree in biology from Elms College, then stayed in the area “to motivate and inspire folks of all demographics,” the nominator wrote.

She does so through BuildEmUp, her health and wellness business focused on personal training and group classes. With hundreds of clients, Banerjee’s reputation is growing as a coach and trainer, but also as a compassionate business owner who responds enthusiastically to community needs.

Like a project she spearheaded this past holiday season to collect $13,000 worth of clothes, toys, and necessities and donate them to women and children through the YWCA. She has also spearheaded projects that have resulted in large monetary donations to diabetes organizations, friends with cancer, and other recipients.

But Banerjee doesn’t have to look outside the walls of her fitness center to change lives; she’s doing that every week through a business she started thinking about while working for Baystate Health after graduation, gradually building up a clientele through social media and word of mouth.

“Our model is strong, not skinny,” she said, explaining a model that’s less about weight lost and more about strength — and quality of life — gained. “Being healthy is the bottom line; everyone can understand that.”

During the pandemic, Banerjee offered virtual training to her clients so they could continue living the healthiest life they could. After things started to open back up, she brought clients back to the gym but made sure it was a safe environment for everyone, with individual pods so that members could work out in the same room with confidence.

These days, her average demographic is ages 18 to 50, and most are minority women. She offers about 20 different class times a week, and is already thinking down the road to a possible move out of the ninth floor of 1350 Main St. in downtown Springfield to a larger, more accessible location for clients. After all, they’re what motivates her to be her best self.

“The best part about this is the people,” Banerjee said. “They come to us because they want to; it’s a choice to enter the gym with a positive attitude, and that’s good for me, too. Empowered women empowering women — that’s the goal.”

—Joseph Bednar

Madison Bull

Owner, Madison Bull, LMHC: Age 36

Madison Bull, as one of her several 40 Under Forty nominators noted, wears a number of hats.

She’s a psychotherapist who opened a private practice in October 2019. She’s also an adjunct psychology professor at Holyoke Community College (HCC); a trainer, speaker, and educator for Pathways for Parents, helping families access mental-health resources for children; and a wife and mother who’s active in her 6-year-old daughter’s life as an elementary-school PTO president and soccer coach.

Bull was working for small group practice before deciding to branch out on her own. She is a certified hypnotherapist and trained in perinatal mental health, but works with a wide range of clients.

“I see a variety of ages, but I mostly focus on girls and younger women. A lot of my focus is on anxiety and OCD (Obsessive-Compulsive Disorder),” she said, noting that opening the practice when she did, just five months before COVID turned the world on its ear, was a challenge because of the restraints it put on seeing clients in person.

“I did a lot of Zoom sessions, did it virtually, but I like one-on-one, in-person interaction, when you can really get to know someone’s story. That was a little difficult,” she recalled. “But I found people still needed the services. Everyone was definitely thrown for such a loop.”

She said her mission for her practice is to be completely relatable, and to create a safe, comfortable setting for those who come in. “I want people to know who I am; I want that welcoming feeling and for people to know that I am human too.”

As an adjunct professor at HCC, she has taught there on an as-needed basis for a dozen years. She also volunteers in the community, with a special focus on animal welfare, donating time and resources over the years to animal shelters. “My family and I have always been animal people,” she said.

As for involvement in her daughter’s school, well, it’s important for Bull to make time for that, but it’s also a pleasure.

“There’s so much bad on the news and social media. Let’s find things in the community that get people excited, things that keep people hopeful,” she said, adding that, in the case of the PTO, “planning comes easy to me. It’s not super stressful. Somebody’s got to do it. So why not someone who likes it, who enjoys it, and is motivated?”

—Joseph Bednar

Robert Carter

Lead Pastor, All Nations Church: Age 39

Robert Carter’s career in IT and robotics has taken him to a number of positions, ranging from 11 years at MassMutual, where he worked his way up to robotics process automation developer — tech lead, to CVS Health, where he currently leads a team of developers as a robotics process automation consultant.

As an immigrant from Jamaica 17 years ago, he’s gratified by all of that. “My life and journey is multi-faceted. I’m very proud of what I do in corporate America, being able to rise up to where I’m leading teams, leading projects that impact many people across the country. I’m proud of those accomplishments.”

But he also has a passion for ministry, and for lifting others up, through his work at All Nations Church, where he transitioned from a congregation member into leadership roles and eventually lead pastor. He oversaw the church’s move to a 20,000-square-foot facility on Leete Street in Springfield when it outgrew its previous, 5,000-square-foot site, while expanding ministry outreach programs.

Committed to life-long learning, Carter is currently working on a doctor of ministry degree at Gordon Conwell Theological Seminary, with a focus on leadership in a changing church culture. His wife, Rebekah, is All Nations Church’s minister of worship.

Carter has long been community-minded, from his volunteer work on the board of Martin Luther King Jr. Family Outreach Center, to his work advising, mentoring, and financially supporting young people and budding entrepreneurs. So it’s natural that his ministry leadership would be similarly outward-looking, not confined to within the church walls.

“I’ve recognized that the church has to be a bit more involved in the community — not to go out with a messiah complex, to save the community, but recognizing that we exist within a community and we should engage with the community and be part of that,” he said. “What, specifically, does the 01108 need?”

One issue in the Forest Park neighborhood is food insecurity, so the church has operated a food pantry for the past two decades, distributing close to 400,000 pounds of food. Carter envisions a time when All Nations might create its own nonprofit, a separate entity from the church, to tackle a host of community needs, from drug use to immigration issues to broken homes.

“It’s a low-income area; we don’t want to deal with just the symptoms of hunger, but why is there hunger in the neighborhood? What we’re aiming to do is strategically engage with the community and help them where they are.”

—Joseph Bednar

Jessica Chapin

Director of Athletics, American International College: Age 35

Jessica Chapin was a decorated collegiate athlete. In 2010 alone, she was named the University Athletic Assoc. Women’s Basketball Player of the Year, the Brandeis University Female Athlete of the Year, and a State Farm Women’s Basketball All-American; in 2018, she became a New York State Section 5 Basketball Hall of Fame inductee.

And then she went to law school, aiming to be an attorney.

But while coaching basketball during that time, she had a realization: that her passion was really in athletics. So, she changed course, enrolled in Springfield College, where she earned a master’s degree in Athletic Administration, and eventually found herself running the Athletics Department at American International College (AIC).

There, Chapin provides leadership for a department of 25 intercollegiate and four club sports, overseeing nearly 45 full-time coaches and another 20 staff members and more than 650 student athletes. She’s responsible for the strategic direction, administration, and supervision of all phases of athletics, including budget management, alumni engagement, fundraising, marketing, enrollment management, personnel management, long-term vision and strategic planning, crisis management and discipline, Title IX and gender equity, facilities, and more.

“Athletics was something I missed, something that was the foundation of my life,” she said of her decision to leave law school, and she’s gratified when student-athletes at AIC make similar journeys of self-discovery. “I love seeing a light go off in the minds of young adults who often come to college not necessarily knowing what they want to do, being able to work with them, seeing the struggles, but then seeing them come out on the other side.”

Chapin also serves with the NCAA on its Division II Management Council, the highest appointment in the organization’s governance structure outside of the President’s Council. In that role, she’s an active participant in the division’s decision making.

She’s also a believer in the value of the athletic experience as a character-building exercise, saying student-athletes possess qualities many others do not, which can serve them well over a lifetime in whatever career they choose.

“It’s definitely gratifying to be a part of all this,” she said. “Sports generally teaches us things that we don’t get to experience otherwise: being on a team, the importance of teamwork, of collaboration, so many things. I feel like, when students are taught by coaches, they learn lessons they might not learn any other way.”

—Joseph Bednar

Jason Curtis

Vice President and Building Services Business Line Leader, Tighe & Bond: Age 35

Jason Curtis

Jason Curtis said he’s always been fascinated with the built environment.

“In elementary school, when some kids were playing computer games, I was drawing floor plans on an architectural drafting program on my parents’ desktop computer,” he recalled. “And when I was in high school and college, I did carpentry work as a summer job and on school breaks, and I always found that work to be quite rewarding.”

But what really cemented his desire to be an engineer was his coursework at Union College, where he started to see engineering as a way to make a difference in the world through sustainability, energy efficiency, and high-performance buildings.

In his multi-faceted role at Tighe & Bond, Curtis develops strategic direction, oversees day-to-day operations, and tackles business-development efforts, and has led a wide variety of projects for schools and colleges, municipal buildings, industrial facilities, and multi-family residences.

“Every project is different. As consulting engineers, we say every project is a prototype. Everything is tailored to the particular needs and constraints of each project and client,” he said, with one common thread being energy and sustainability efforts. “With the various challenges of the world we live in today, we always try to bring those things to the forefront. Whether it’s efficiency or greenhouse gases or fossil-fuel reduction or cost effectiveness or resiliency, those are all things we’re constantly talking about and thinking about, and I try to be our client’s trusted advisor.”

Active in the community, Curtis serves on the town of Deerfield’s energy committee, and, as an advocate of mentorship, he has been part of the Hartford, Conn. chapter of the Architecture Construction Engineering (ACE) mentorship program, which assigns STEM-related projects to students. He’s also working with others at Tighe & Bond to revive the ACE mentorship program in Springfield schools.

“I wouldn’t be where I am without the mentorship I received over the years. That is something that Tighe & Bond is very cognizant of,” he said, noting that his workforce-development efforts at the company extend to participation on the diversity, equity, and inclusion committee and leadership of the anti-racism subcommittee.

“The firm has been around more than 100 years. For a firm to have that kind of staying power, we know how to transition leadership,” he said. “We want to be around another 100 years, so everyone in a leadership role appreciates that, and everyone invests in developing the next group of leaders for the firm.”

—Joseph Bednar

Brianna Drohen

CEO, LaunchSpace Inc.: Age 39

Brianna Drohen

When Brianna Drohen’s career path brought her back to Western Mass. in 2013, she met Jack Dunphy, owner of the Orange Innovation Center, and her passion for the region was rekindled.

After learning about Dunphy’s vision, Drohen got to work helping him develop resources, training, and support for entrepreneurs to start and grow their businesses. In the next two years, she brought the building to 90% occupancy and hosted classes and workshops to educate the tenant businesses in specific areas. She also secured grants for a new parking lot and a water-filtration system.

“It’s incredibly gratifying,” said Drohen, who grew up in Wendell and earned degrees at Greenfield Community College and UMass Amherst. “This is a very community-centered place; I grew up with that backbone. When I moved back here, I fell into this work, and I love it.”

But Drohen’s role would soon expand in intriguing ways. In 2016, Dunphy was looking to bring a vacant portion of the building back to life. When Drohen toured a facility in Columbus, Ohio that had similar characteristics as the Orange Innovation Center, she had a ‘eureka!’ moment when she saw businesses, a maker space, and artisans thriving together, revitalizing the neighborhood.

So, in 2017, she and Alec MacLeod co-founded LaunchSpace, a nonprofit organization providing opportunities to upskill, collaborate, and develop new businesses in the local Orange economy. Drohen took over as CEO in 2021.

LaunchSpace also acquired the 24,000-square-foot Pleasant Street School in Athol, intending to drive the local economy by repurposing the kitchen into a working, shared-use commercial kitchen and the classrooms into business-incubation suites and retail outlets, as well as a childcare facility.

LaunchSpace plans to host and support on-site agriculture, value-added food businesses, training and incubation, and community wellness at the former school, providing opportunities to support food sustainability in the region, as well as continuing to develop talent and create jobs for the local economy.

In 2021, Drohen also led a partnership with Greenfield Community College to launch an entrepreneur program to support creative businesses. In 2022, LaunchSpace, GCC, and Greenspace CoWork received funding to pilot a six-month acceleration program focused on the underserved residents of Greater Franklin County.

“I’m driven,” she said. “Some people call me aggressive, but I’m definitely driven by this idea that we can not only reuse old buildings, but we can create micro-economies that support these Western Mass. communities. I would love to have the LaunchSpace model replicated in other communities as well.”

—Joseph Bednar

Sarah Erman

Chief Operational Officer, Franklin First Federal Credit Union: Age 38

Sarah Erman didn’t attend college to prepare for a financial-services career. In fact, her focus as an undergraduate at MCLA was photojournalism.

“I worked with some local newspapers, and I did some freelance with the Greenfield Recorder until I got my job here at the credit union,” she recalled. “My student loans were coming due, and I needed to actually have a job that supported me for the payment of those loans. And there was an opening at Franklin First.”

Starting as a teller, Erman moved into member services and eventually became operations manager and then chief operating officer.

“This was not where I initially saw myself,” she said. “But the more time I spent at the credit union, the more I saw my future there, helping to provide new experiences for our members and staff. The philosophy of the credit union is people helping people, and that’s what really got me to stick around. Once I understood the philosophy, I really fell in love with the credit-union world.”

Erman said she wears many hats, including day-to-day operations, facility management, compliance, and security, and she acts as the institution’s Bank Secrecy Act officer.

She also earned praise from President and CEO Michelle Dwyer for bringing Franklin First up to date with modern technological standards that helped it navigate the pandemic seamlessly. “Had these operational improvements not been made,” Dwyer said, “our credit union would not have been able to continue meeting the needs of our membership.”

Active in the community in numerous ways, Erman has served on the board of directors for Root to Rise, volunteers at the credit union’s financial-education events, and helps nonprofits that reach out to Franklin First for assistance with creating new events.

Notably, she’s heavily involved with the Children’s Advocacy Center of Franklin County and North Quabbin, serving for the past four years on the fundraising committee that enables three large events each year: the Hope and Healing Breakfast, the Race to End Child Abuse, and the Chipping Away at Child Abuse golf tournament.

“It’s unfortunate those services have to be provided, but they’re such necessary services,” she said. “I feel like I’m able to give back to these kids and the community by helping these committees raise awareness and raise funds for such an important, deserving organization. Those community events are critical to the operations they provide for kids in the community.”

—Joseph Bednar

Sara Hulseberg

Owner, Excel Therapy & Conditioning: Age 38

Sara Hulseberg tells a story that demonstrates the meaning of a loyal clientele.

When COVID forced her to find a new home for Excel Therapy & Conditioning, the practice she started in 2012, she found a run-down garage and eventually cleaned it up, built it out, and prepared to move the practice and everything in it, thinking moving would take three 12-hour days to complete.

Then the help started to show up — not only her team, but clients. In three hours, she was not only moved in, but totally set up.

The nominations supporting her 40 Under Forty selection explain that loyalty.

“As a patient of Sara’s, I’ve regularly witnessed her reach out to help people under extreme trauma and hardships,” one wrote, sharing her own experience with pain reduction and greater mobility under Hulseberg’s care. “She has been a friend to me, going above and beyond every time — and I’ve seen her do this with every person that comes to her.”

Others talked about her pro bono work, her insistence on not laying off anyone during the pandemic, her donations of time and resources to local charity events, her mentorship and internships for aspiring therapists … the list goes on.

Hulseberg, who earned bachelor’s and master’s degrees at Springfield College and her doctor of physical therapy degree at Northeastern University, said she became frustrated with how patients were being treated in other practices where she worked, and sought to create a different model. “I saw a lot of treatment based solely around what their insurance was or whatever their pain was, not what it stemmed from. It was disheartening.”

She said the immediate gratification she gets from helping people isn’t something one finds in every field of healthcare.

“Someone comes in with a lot of pain, and if you do your job, they leave with significantly less pain and more functionality over the weeks and months. It’s a wonderful feeling to be able to do that for somebody.”

Hulseberg said she was first inspired by the way her father, an ophthalmologist in Holyoke, treats his patients, and asked him, before she launched Excel, why she doesn’t experience the same kind of relationships where she worked.

“I said, ‘I must be in the wrong field,’” she recalled. “He said, it’s not easy, but nothing worthwhile is ever easy. Where there’s a will, there’s a way, but you often have to plow your own way to get there.’”

—Joseph Bednar

Jeffery Markham Jr.

Program Officer, Community Foundation of Western Massachusetts: Age 37

Jeffery Markham Jr. is no stranger to the nonprofit world, having worked with them in many capacities, from volunteer efforts to convening them in a major public-health research project. Now, the tables have turned — literally.

“After working with nonprofits, it feels good to be on the other side of the table, giving dollars away, as opposed to trying to find them,” he said of his latest new role, as a program officer for Community Impact and Partnerships at the Community Foundation of Western Massachusetts, spearheading a grant process that will center on community participation in design and distribution of funds.

“We’re shifting our way of thinking toward giving away money in a more trust-based way,” he explained. “The whole school of thought around trust-based philanthropy is, instead of seeking to put some dollars toward a specific goal, the foundation deems it important to give to organizations in a way that puts them at the center of it and allows them to dictate how they want to spend their money.

“In that way, we’re looking to be in a relationship with organizations whose philosophy and overarching values are the same as ours and trust them to steward the money in a way they see fit, and that will have the most impact.”

Markham helps oversee distribution of resources from more than 60 funds at the foundation, delivering more than $3 million to organizations annually.

Before joining the Community Foundation, he was the research project manager for a $2.3 million National Institute of Health-funded research project in the School of Public Health and Health Sciences at UMass Amherst. The community participatory research project investigated the connection between stress and health outcomes in Black men in Springfield and its surroundings.

“It was a community-based resource project that involved community members in the development of the research,” he explained. “All too often, anchor institutions descend on communities, particularly communities of color and low-income communities, and extract information without bringing anything back or having them be a part of the process.”

Markham has also led projects at Caring Health Center and Martin Luther King Jr. Family Services, and has volunteered with Gardening the Community, Men of Color Health Awareness, Democracy Behind Bars, the Western Massachusetts Health Equity Network, and many others.

“I hold dear my commitment to lifting up folks in our community, particularly the young people coming behind me,” he said. “That’s a really important piece of my life — to lift up issues in our community and try to find solutions.”

—Joseph Bednar

Dallas Pilecki

Co-owner, Serendipity Psych: Age 35

Growing up, Dallas Pilecki said, “I always wanted to help people. I had a passion for that.”

Opening Serendipity Psych with his business partner, Ariana Avezzie, put that passion to the test, due to some unfortunate timing: three months after the counseling practice opened in Westfield in December 2019, COVID-19 shut the world down.

It was a challenge, for sure, but also an opportunity. Pilecki, a licensed mental-health counselor, used the time to create free workshops, programming, and resource handouts for the community, and built partnerships with local agencies to provide mental-health services to the elderly. Meanwhile, he started delivering services via telehealth, which has become a permanent option, all in the name of making clients feel comfortable.

“We ask people if they want telehealth, in-person, or a community visit,” he said. “We meet people where they are.”

In the years before opening Serendipity, Pilecki worked for other practices, including Baystate Noble Hospital, where he worked on an opioid task force and organized a large community event in 2019 to raise awareness and break stigma around addiction. He’s still passionate about the value of seeking help.

“Serendipity has grown from us wanting to do things our own way and taking time with people who are going through so much more than what’s diagnosed,” he said of the model he and Avezzie created, which draws on the ‘spirit, mind, and body’ emphasis of Springfield College, where he earned bachelor’s and master’s degrees.

“We’re fortunate to have done some pro bono work, and we work with local agencies on caregiver support; when someone is caring for someone with dementia or terminal illness, we offer help to the caregiver,” Pilecki said, adding that they see a wide range of clients, from children to older adults.

He compared his work to that of an “old-fashioned family doctor,” someone who takes the time to know a family’s whole story. “We want that rapport with clients. We want to know them, their jobs, what their stressors are, how they’re dealing with them. All those things matter to us.”

Getting back to that December 2019 opening, maybe ‘unfortunate’ is the wrong word for the timing. Maybe it’s the opposite of the right word.

“We were able to help people during a time when there was so much uncertainty. People didn’t know how to cope; they didn’t know what was coming next,” Pilecki recalled.

“It’s scary to trust somebody,” he added. “Maybe you’re telling us things you’ve never told anyone, but we’re here, and we’re grateful that people trust us.”

—Joseph Bednar

Kyle Snow

Community Spotlight Special Coverage

President, Snow & Sons Landscaping: Age 38

By his teen years, Kyle Snow was working hard at landscaping and snow removal — when weekends and summer breaks from school allowed him to. Even before that, at a very young age, he was busy working around the Greenfield shop of his family’s business.

Back then, he was already thinking about an eventual full-time role in the family business, but maybe not envisioning quite how dramatically he would grow the firm as its third-generation president.

Indeed, since graduating from UMass Amherst, where he studied business and landscaping studies, and working his way up the leadership ranks of Snow & Sons, he has led the company to exponential growth — to more than 110 team members, in fact, serving more than 2,000 customers across Franklin and Hampshire counties, as well as southern Vermont and New Hampshire, with landscaping, hardscaping, maintenance, fertilization, irrigation, gardening, and winter snow removal, and earning major contracts with the likes of Mount Snow, Yankee Candle, and many others.

In fact, the firm has become so busy that it has been shifting away from one-time services to full maintenance contracts. He’s gratified by that evolution, but emphatically credits his team for his success.

“They really work hard; they provide good service and a really good experience,” Snow said, adding that he’s proud to see his employees grow and develop in their roles. “We have a strong culture and people who do an awesome job providing services to all the customers — not just quality of landscaping, honestly, but the interactions they have with the customer base. We get the most compliments from customers about our people.”

In addition to his leadership of the landscaping enterprise, Snow has built an impressive real-estate portfolio, purchasing multi-unit residential properties across Franklin County over the past decade. Also, in 2022, he branched out and founded Sugarloaf Gardens, opening an expansive nursery located at the foot of Mount Sugarloaf in Sunderland, specializing in trees, shrubs, and perennials.

Meanwhile, under his leadership, Snow and Sons has expanded its philanthropic efforts, benefiting more than 25 Franklin- and Hampshire-county nonprofits over the past three years. On his own time, Snow also coaches basketball at Deerfield Elementary School, and the company maintains a town garden in its Greenfield hometown, planting annual flowers in three different locations.

“We try to be really involved with different efforts,” he said. “It’s important for us to be a part of the community.”

—Joseph Bednar

A Number of Factors Have Converged to Send Insurance Premiums Higher

By Joseph Bednar April 14, 2023

Insurance Special Coverage

Perfect Storm

Inflation ebbs and flows in unpredictable ways. The insurance world is certainly finding that out — and so are customers seeing their auto-insurance bills.

“Auto insurance hasn’t kept up with inflation over the past three to four years, and it’s finally catching up to it,” said Michael Long, CEO of Axia Insurance Services in Springfield, partly explaining why the average premium nationwide rose more than $240 in the past year, according to Bankrate.

There are plenty of other parts to the equation, of course, including the ongoing supply shortages that are generating inflation on everything that goes into cars, from materials to computer chips to labor.

In fact, used-car values in 2022 were 37% higher than they were previously, Long said, meaning insurance carriers that had been paying, say, $20,000 for a totaled car were now paying $30,000. Eventually, that was going to be passed to customers.

Bill Grinnell, managing partner of Webber & Grinnell Insurance, agreed. “A few things are driving automobile prices; one is supply-chain issues and a lack of supply of replacement vehicles and parts, and the increased costs of all that.”

As a result, he went on, “your collision claim that might have cost a couple thousand dollars pre-pandemic is now $3,800. It’s significantly more, and the insurance has kind of trailed that inflation. First the cost of the replacement vehicles and parts go up, and that’s reflected in the financial statement of the insurance company, and they need to react and bring rates up. It’s not a leading edge, but a trailing edge, but there’s an inflationary factor there.”

And it’s not just auto insurance. On the home-insurance side, the cost of building materials has risen sharply over the past few years, and supply shortages and lag times still beset the construction industry. Meanwhile, contractors dealing with those issues and also a workforce crunch aren’t able to take on as many jobs as they’d like.

Bill Grinnell

“The cost to build a home three years ago might have been $175 per square foot, and now it’s $275 per square foot. If you’re insuring a home that was worth 300,000, now it’s $400,000.”

“The combination of those two factors have driven up the cost of repairs, and that’s reflected in increased claim payments. So insurance companies need to adjust their rates to afford these claim payments.”

The other huge factor is the dramatic rise in home values over the past two years, another supply-and-demand metric. “You’re required to insure your house to an educated, calculated measurement of its true replacement value,” Grinnell said. “And the cost to build a home three years ago might have been $175 per square foot, and now it’s $275 per square foot. If you’re insuring a home that was worth 300,000, now it’s $400,000.”

Whatever the reason — and, obviously, there are many — insurance customers are experiencing more pain than usual in their monthly premiums. While there are ways to reduce the hit, the key economic factors influencing those increases will continue to linger, at least in the short term.

Up, Up, and Away

Plymouth Rock Assurance recently created an infographic that showed customers why home and auto rates are rising.

On the home side, it listed a worker shortage (the construction industry is down 200,000 trade workers); supply-chain shortages and delays with everything from asphalt shingles and piping to copper wire and drywall; lumber and other material costs up more than 50%; and increased operating expenses for energy, transportation, storage, and more.

On the auto side, higher costs are related to chip shortages; a technician shortage driving labor costs up about 6%; a shortage of parts in repair shops causing delays, higher demand, and higher repair prices; and a still-low vehicle inventory on many lots, inflating the sticker price of cars — and their replacement value.

Michael Long

“Not all insurance companies are created equally. Whether it’s the way they handle claims, the way they handle billing, the way they handle cancellations after a loss or two losses, all those things need to be discussed with an agent because not all contracts are the same.”

“It’s a challenging time for all of us,” Long said. “When we talk to clients, last year’s rates were up about 15% on the auto side, and we’re expecting another 8.4% this year.”

Some of the cost factors are unexpected — for example, glass replacement. “With glass claims, it used to be a couple hundred to replace a windshield. I’ve seen them as high as $2,400 because of all the information you get from the sensors in the windshield.”

Then there’s driver behavior. Long noted that accidents were up 7% in 2022, and insurance companies have never seen the volume of lawsuits they’re dealing with.

Grinnell agreed. “The results are worse for insurance companies. The severity of accidents is up, and that’s driving up the cost of the insurance, too.”

There are only so many ways for customers to reduce insurance costs, and some of them are common-sense.

“First, don’t have a claim. Drive carefully,” he said. “Claims really impact your premium quickly, so drive safely and don’t have motor-vehicle violations; don’t get a speeding ticket.”

Paying bills on time helps as well, he said. “There are so many hidden factors that none of us understand, even at the agency level, that go into ratemaking these days, but late payments and being consistently behind and getting cancellation notices is a sure way of having your premiums go up. So pay your bill on time and even enroll in automatic bill payment.”

While it’s important to have adequate coverage, Grinnell said people with older cars they might not be driving for much longer may opt out of collision coverage. He did just that with a 12-year-old car he owns but doesn’t drive that much, and it saves him about $450 per year.

Long said he talks to clients all the time about raising their deductibles. “If you currently have a $500 deductible, maybe look at a $1,000 deductible. If its $1,000, maybe $2,500. We’re regularly quoting $2,500 deductibles,” he noted. Meanwhile, “if a tree comes down, and it’s a $500 loss, absorb it, and pay it in full.”

Carriers also offer any number of discounts, from safe-driver and good-student benefits to discounts related to involvement in organizations ranging from the Pan Mass Challenge to the Massachusetts Golf Assoc. “There’s a Red Cross discount; if you contribute $25 to the Red Cross, you get 5% off your insurance. So you’re helping the community and saving money on insurance. Everyone wins with that deal.”

Weather or Not

The home-insurance market has been buffeted by a series of costly weather events, from hurricanes in Louisiana and Texas to tornadoes in the Midwest to fires in California. Insured losses from natural disasters routinely top $100 billion per year these days, and Long said $20 billion of that in 2022 was in auto claims alone.

As noted earlier, the cost of lumber and other building materials (up 33.9% in 2022) and labor (up 27%) are already causing insurance companies to play catch-up, and weather and climate events are just another challenge to deal with.

“It’s been a funny year for homeowners,” Grinnell said. “Property rates were certainly affected across the country due to some of these climate changes and weather patterns, the big windstorm losses.”

He noted one “big freeze” day last year that wound up affecting the region’s home-insurance carriers. “It was one of the biggest lost days on record. Pipes burst, and those are expensive claims. Generally, that’s not helping our region at all.”

Long advises people to be careful when switching carriers due to rising rates because the new carrier might not have made the same inflationary adjustments, and the customer will just have to face that all over again — while possibly losing benefits like accident forgiveness.

“Not all insurance companies are created equally. Whether it’s the way they handle claims, the way they handle billing, the way they handle cancellations after a loss or two losses, all those things need to be discussed with an agent because not all contracts are the same.”

On the other hand, Long said customers should absolutely stay in touch with their agent. “How often do you review insurance with them? Every year is not realistic, but every two to three years, you should be getting a call from your agent: ‘hey, let’s talk about what’s going on, and any new coverages out there.’”

After all, people still need to have enough coverage in case the worst does happen. And with home values what they are now, a total loss could be extra catastrophic if the coverage is not in line with that.

“The biggest investment people have is their dwelling. So, young people may have the time to make up for a disaster, to build equity in their house if they lose it,” Long said. For older homeowners, inadequate coverage for a loss could be a real problem.

The bottom line? Insurance costs money, and even more so this year, as customers should expect premiums to rise another 8% to 10% for both home and auto, Long said.

But when disaster strikes — even a small disaster, like a burst pipe or a sideswiped car — it beats not being covered.

With Expansion on the Horizon, Enlite Continues to Thrive

By Joseph Bednar April 14, 2023

Cannabis Special Coverage

Growth Pattern

Enlite co-owner Matt Yee

From the start of cannabis legalization in Massachusetts, Northampton was one of the most receptive communities, streamlining the municipal regulatory process and initially setting no caps on licenses. Meanwhile, Springfield posed a more onerous process and set strict limits.

Enlite has experienced both, having opened its first dispensary in Northampton in late 2021 and is getting ready to open a second shop in Indian Orchard this year, Springfield’s fourth dispensary in all.

Matt Yee, one of Enlite’s owners, sees value for business owners in both models.

“Springfield was a longer process getting through special-use permit hearings. Northampton, in comparison, was very, very open and friendly to cannabis businesses, which created the amount of licenses we see here,” he explained. “So in some ways, [Springfield] has been difficult, but that difficulty also creates a bit of a barrier for competition to come in; there’s only a handful of active licenses in Springfield.”

The fact that Enlite is expanding at all is an accomplishment in an increasingly competitive marketplace, one that has exploded with new businesses to the point where the industry is starting to weather its first closures, including the Source in Northampton and Pleasantrees in Easthampton.

And Yee and his fellow owners — who include Matt Cutting, Peter Picknelly, and Nick Yee — aren’t done, with plans to apply for a third license, the maximum allowed by the state’s Cannabis Control Commission (CCC).

“Most customers are shopping with their phone prior to coming in with us, seeing what our menu looks like, seeing what our price points look like, and if they can’t find the specific product that they’re looking for, then they’re going to go somewhere else.”

“We’re still hunting for that third location,” Matt said. “That makes for a more profitable and healthy business model. It’s hard to exist with just one unit. And we chose Springfield because the location fills a niche of demand.”

Specifically, Indian Orchard borders two towns, Wilbraham and Ludlow, with moratoriums on dispensaries, he explained. “We’re very close to both of those. So we saw that location in Indian Orchard as a prime spot.”

Enlite’s owners say the Northampton shop’s location right off I-91, rather than in the congested downtown, has been a plus.

When Enlite opened in Northampton a year and a half ago, Yee and his team saw potential, not only in the state’s legalization of cannabis, but Northampton’s embrace of it. It was the city’s eighth adult-use dispensary, a number which quickly bloomed to 11 and now sits at 10.

“So competition has definitely gone up. But competition is good, especially in this industry. Just like in my former industry, restaurants, competition benefits the customer at the end of the day.”

Considering the experience of the Yee family and Picknelly in that other challenging industry, and Cutting’s business background, the Enlite leadership team felt it had a good chance of success in cannabis, and so far they’ve been proven right. That’s not to say there haven’t been obstacles to overcome, but so far, Enlite is not only staying the course, but setting their sights … well, higher.

Rolling Along

Soon after Enlite opened, Yee told BusinessWest that the sheer number of cannabis businesses in Massachusetts — which now tops 265 retailers, in addition to cultivation, manufacturing, and wholesaling businesses — actually makes it easier for the best-equipped players to succeed, because of the cross-pollination. It’s why Enlite has adopted the model of many area dispensaries of partnering with boutique makers of cannabis products.

“We work with about 65 wholesalers right now,” he explained during BusinessWest’s recent visit. “We try to give priority to those who are producing local here in the Pioneer Valley, and also give priority to minority-owned, woman-owned, and veteran-owned companies, and participants in the social-equity program or the economic-empowerment program of the CCC. Anybody who checks those boxes and has a quality product, we definitely give priority to.”

A wide variety of products is key, he added. “We have about 450 to 500 items on the menu at any given time, which is a burden to control inventory-wise, but we have systems in place and experience with that well enough to handle all those SKUs and provide a wide selection to our customers.

“Most customers are shopping with their phone prior to coming in with us, seeing what our menu looks like, seeing what our price points look like, and if they can’t find the specific product that they’re looking for, then they’re going to go somewhere else,” Yee went on. “Our mentality is, if they can find the item here and maybe try some new items too, then they’ll become a repeat customer with us.”

“To kind of wade through the chaff and find the quality product at the right price point that the customer will enjoy can be a little overwhelming.”

He said many customers settle into buying favorite brands, but still appreciate variety.

“Five years ago, there weren’t very many brands, and quality wasn’t the highest, but now, with the level of competition we’re seeing in the wholesale market, there are brands that are definitely excelling. We have a couple of brands in-house that are excellent performers, and people come back for more.”

With competition forcing retail cannabis prices down to five-year lows in Massachusetts, Yee said his time in the restaurant world, where stiff competition also challenges profit margins, has taught him the value of customer service, as well as product knowledge and customer engagement — all factors that make the experience easier and more enjoyable, especially newcomers to the cannabis world. “That’s something we really pride ourselves on and strive for.”

The other differentiating factor is location — not just the strategic second location in Indian Orchard, where competition in the immediate environs is low, but in Northampton, where the flagship store sits right off the Coolidge Bridge rotary.

“Everybody’s kind of congested in the downtown area, which makes it far more difficult because somebody could just walk next door and find a cheaper price and buy there,” he said. “Here, with our location, situated right by the bridge and off the highway, we provide a convenience for people. It’s easy in, easy out, with plenty of parking that’s tough to find downtown. Our consumers want convenience, so that’s the other aspect we try to excel at.”

Highs and Lows

That said, Yee was quick to stress that captivating an audience and generating repeat customers is a constant focus, not something Enlite takes for granted.

“I think the other challenging aspect is the amount of wholesale product that’s becoming available on the market,” he explained. “Something I buy this month may be far less expensive two months from now, which would mean another retailer might pick it up for that price point and sell it for that price. So we’re seeing constant fluctuations in the price points of the wholesale product.

SEE: List of Cannabis Dispensaries in Western Mass.

“That, along with the sheer amount of wholesalers that are knocking on our door and calling our phone, is pretty overwhelming,” he went on. “To kind of wade through the chaff and find the quality product at the right price point that the customer will enjoy can be a little overwhelming.”

Some cannabis-industry observers have commented on the experience of other states that followed a similar pattern to what’s happening in Massachusetts — exploding competition sends prices plummeting, and many operators focus on competing on price above all else, including quality and customer experience.

“We’ve always been conscious about that. We’re not trying to race to the bottom,” Yee said. “There are some operators here in Northampton who are dropping their prices, and all the other operators are forced to match those prices, which is difficult. But maintaining a healthy economy here in the Western Mass. market is something that we think about a lot. We’re not trying to drive the prices down too low and hurt everybody’s margin. There are definitely some players in town who are playing that game.”

Enlite will be the second minority-owned dispensary in Springfield, after Six Brick’s, which opened in September 2022. Enlite’s Northampton site was also the state’s first Minority Business Enterprise (MBE) applicant to open its doors, and Yee said the process of getting into the industry is still laden with minefields, especially for smaller entities.

“It’s definitely difficult. The requirements to get through the licensing procedure and then the buildout, inspections, and final licenses … it’s strenuous, and a lot of that knowledge is unknown to those smaller operators,” he explained. “So a lot of money can be burned just going through that painful process and experiencing that learning curve. And for those smaller operators who don’t have the capital of the big, multi-state operators or well-capitalized groups, that can be very difficult and sometimes detrimental to the business.”

As Enlite grows and expands, Yee said he’s still learning new things all the time, whether it’s a new product — from fast-acting edibles to new beverage lines — or a new market opportunity. “There’s something new coming out every month, it seems, and the customers are being introduced to those products with us.”

Business in Bloom

Yee has said Enlite’s biggest competitor is the black market, but analysts have pointed out that the leveling out of prices in the legal cannabis market may mitigate the illicit market’s advantage somewhat — while bringing on a whole new set of headaches in an industry where profits are already very tight due to onerous taxes.

He hopes, as consumers find more options in their price range, that stores that focus on quality, education, and customer experience will maintain an edge. And he said dealing with those customers, and hearing their stories, is his favorite part of the job.

“On a daily basis, we have first-time consumers come in, curious about cannabis and wanting to learn more. I have so many stories of first-time consumers coming back in and saying, ‘wow, that really helped me. That got me to go to bed more regularly. I got more sleep. I’m less stressed out. I have more fun with my kids — thousands of stories like that.

“Every day, somebody comes in, and we have a great conversation, and we can introduce them to a new product that they didn’t know existed, and we’ll see them back here a couple of days later. And there are still a lot of people who are just wading into this industry and finding these products.”

And finding them at a shop that continues to navigate an ever-changing, always-challenging landscape for business owners, with not just survival in mind, but continued growth.

Tackling Issues of Nutrition, Hunger Requires Multi-level Approach

By Joseph Bednar March 31, 2023

Healthcare News

All Hands on Deck

In the six months since the Biden-Harris administration hosted the second-ever White House Conference on Hunger, Nutrition, and Health, U.S. Rep. Jim McGovern has recognized the significance of the moment — only, he hopes it’s more than a moment.

“The first and only other conference was held more than 50 years ago — in 1969, the year we put somebody on the moon,” McGovern said at a recent virtual gathering with officials from food-justice organizations, farm advocates, public-health leaders, healthcare providers, and other legislators, to discuss the White House event, legislative action that has emerged in its wake, and what is being done in Massachusetts — and what more can be done — to end hunger.

Liz Wills-O’Gilvie

“The only way that we’re going to eradicate hunger and improve health is by centering our work with a racial-equity lens.”

“Out of this conference came an ambitious but achievable roadmap to end hunger and reduce diet-related disease by the year 2030,” McGovern said, adding that the conference has the potential to impact even more change than the 1969 event, which is saying a lot, since innovations like WIC, the modern-day SNAP program, and better food labeling came out of that session.

“There were so many important things,” he went on. “But I think this conference, if we do the follow-through, has the potential to have even a greater impact on this country.”

The March 17 briefing, attended by about 300 people, was co-hosted and organized by the Food Bank of Western Massachusetts, Growing Places, Stone Soup Cafe, CISA, the Springfield Food Policy Council, the Massachusetts Food System Collaborative, Project Bread, and the Western Mass. state legislative delegation, including state Sen. Jo Comerford and state Rep. Mindy Domb.

Liz Wills-O’Gilvie, who chairs the Springfield Food Policy Council, saw the historic nature of the White House event, which she attended, from a unique perspective: her own personal history as “a little Black girl from Springfield who was dependent upon commodities food before food stamps as we know it now existed.

“Our family’s life improved when food stamps emerged out of the last conference,” she recalled, “so I was struck by the significance of the moment I got to be there in that room and hear both President Biden and Secretary [of Agriculture Tom] Vilsack make the comments that they did … that the only way that we’re going to eradicate hunger and improve health is by centering our work with a racial-equity lens.”

To that end, Wills-O’Gilvie called Massachusetts’ Healthy Incentives Program (HIP) — which reimburses EBT card users when they used SNAP benefits for healthy produce from local farm vendors — a tool for racial equity as well as a way to improve the health of families.”

She also called for making universal free school meals permanent in the Bay State, a priority shared by Domb, who also praised HIP, talked up the benefits of food-literacy education, and called for a conversation about hunger on college campuses.

“We need to make universal free school meals in Massachusetts permanent,” Domb said. “It’s terrific that we extended it this year. It’s wonderful that the Legislature in the supplemental budget has included additional money to make sure it continues through the end of this academic year.”

“There’s obviously much, much more that needs to be done in these areas. But we’re off to a good start. And there is finally momentum at a national level behind efforts to end hunger.”

U.S. Rep. Jim McGovern

But she said expansion of such benefits during COVID demonstrated how important they are to families, even beyond the pandemic. “So we need to make sure that that continues.”

One Bite at a Time

McGovern said President Biden has made it clear that the federal government wants to implement an aggressive national strategy to end hunger in the next decade.

“In the months following the conference, Congress has gotten to work on some of the priorities that were laid out in the strategy,” he noted. “We created a permanent summer EBT program to give families with kids $40 per child per month over the summer, when we know that hunger is often worse. It’s a small step in the right direction, but it’s an important step in the right direction. And especially during these times of high inflation and especially in the aftermath of the SNAP pandemic boost being cut, this is really, really crucial.”

He also said lawmakers responded to a recent EBT-skimming problem by requiring benefit replacement for those who had SNAP benefits stolen through no fault of their own, mandated that the Department of Defense screen military families for food insecurity, and passed the Food Donation Improvement Act to make it easier for retailers, manufacturers, farmers, and schools to donate food directly to hungry people.

“And we passed a massive omnibus spending bill that includes the highest level of non-defense spending in history. That translates into robust funding for WIC, farm-to-school grants, school meal equipment grants, among other things,” McGovern went on. “There’s obviously much, much more that needs to be done in these areas. But we’re off to a good start. And there is finally momentum at a national level behind efforts to end hunger. We have people in the administration saying that we want to end hunger.”

He also recently introduced legislation to permanently increase the reimbursement rates paid by the federal government to schools for every breakfast and lunch served.

“We talk a lot about the quality of food that we provide our kids in school, but we also talk about the importance of supporting our local farmers,” he explained. “With a little more money for breakfast and lunch, it gives school districts and people who oversee school meals some flexibility to do some things that, right now, they don’t do because it’s too complicated or it might cost a little bit more.”

Kirsten Levitt, executive chef and co-director of Stone Soup Café, a volunteer-driven, pay-what-you-want meal spot in Greenfield, also attended the White House conference and came away with the belief it will take all sectors of the nation to eradicate hunger, and Western Mass. has the ability to be a national model for its emphasis on farms, food, and nutrition. She added that children will be the best ambassadors for health and nutrition, especially if school meals are funded properly.

Erin McAleer, president of Project Bread, an anti-hunger nonprofit based in Boston, identified five pillars to a statewide strategy on hunger, nutrition, and health: increasing access and improving quality of child-nutrition programs, increasing access and affordability of food for all, integrating food access into healthcare, strengthening and integrating the local food system, and ensuring economic stability and promoting economic opportunities to address the root causes of hunger.

“I never imagined I would be sitting in a room with the president of the United States, and certainly never imagined I would be sitting in the room when he expressed that what I went through my childhood was unacceptable — that food insecurity is unacceptable,” McAleer said.

“When 21% of families in Massachusetts are food-insecure and 33% of the Black and Latino families in Massachusetts are food-insecure, that is a systemic issue. And that requires systemic solutions. Too often, we focus on individualized solutions when it comes to this issue.”

Erin McAleer

“What I really appreciated about the plan that was put together by the White House is the focus on systemic solutions,” she went on. “When 21% of families in Massachusetts are food-insecure and 33% of the Black and Latino families in Massachusetts are food-insecure, that is a systemic issue. And that requires systemic solutions. Too often, we focus on individualized solutions when it comes to this issue.”

McGovern agreed that fighting hunger and improving nutrition is a battle that can, and should, be waged on all levels — federal, state, and local.

“There are things that can be done at the local level — things like expanding access to culturally appropriate cooking classes, bringing gardens and hydroponics to every school, and more robust food-recovery partnerships. All of this is going to require close collaboration.”

Menu of Activity

On the state level, myriad bills have been filed recently relating to nutrition, hunger, and agriculture: “An Act Relative to Universal School Meals,” “An Act to Promote Food Literacy,” “An Act Protecting Our Soil and Farms from PFAS Contamination,” “An Act Strengthening Local Food Systems,” “An Act Promoting Equity in Agriculture,” “An Act Relative to an Agricultural Healthy Incentives Program,” “An Act Supporting the Commonwealth’s Food System,” “An Act Encouraging the Donation of Food to Persons in Need,” “An Act Establishing the Massachusetts Hunger-free Campus Initiative” … the list goes on.

Comerford said those who organized the March 17 briefing with McGovern wanted participants to be inspired by the White House’s 2030 hunger goals, tackle diet-related diseases like hypertension and obesity in the Commonwealth, and strengthen the region’s food system and farms in the process.

“We also want to help participants take away concrete and timely action steps around critical budget priorities and policy proposals that are going to move the Commonwealth boldly toward ending hunger in just a handful of years.”

From Personal Finance to Fitness to Travel, There’s an App for Everything

By Joseph Bednar March 30, 2023

Special Coverage Technology

The World in Your Pocket

It’s staggering how much accumulated knowledge is available with a few taps on a smartphone screen. Whether Apple or Android, countless apps are available to help users with a wide range of tasks, from managing their finances to tracking their fitness goals to getting an education in various topics to making travel easier and more fun.

For this year’s roundup of what’s hot in technology, BusinessWest checks in on what the tech press is saying about some of the most popular smartphone apps.

Dollars and Sense

Smartphones have put a world of personal finance in people’s hands. For example, Intuit’s Mint gives users a real-time look into all their finances, from bank accounts and credit cards to student loans and 401(k) accounts.

“Let’s start with Mint’s very high ratings in both the App Store and Google Play,” Nerdwallet notes. “It’s free and syncs many kinds of accounts: checking and savings, credit cards, loans, investments, and bills. As far as the actual budgeting, Mint tracks your expenses and places them in budget categories. You can personalize these categories, which are unlimited. You set limits for these categories, and Mint lets you know if you’re approaching those limits.”

Besides those budgeting features, Nerdwallet notes, Mint may help users pay down debt, save more money, and track goals, while showing users their credit score and net worth. As a bonus, Mint provides plenty of support for using the app, including a detailed FAQ.

As its name notes, You Need a Budget, or YNAB, earns top grades from Investopedia because of the company’s renowned budgeting philosophy and reputation. YNAB says new budgeters typically save $600 in their first two months and more than $6,000 in their first year. It includes customizable reports that break down the user’s income and expenses by category, account, and time frame, with the aim of helping users get their finances in order.

“YNAB allows you to sync your bank accounts, import your data from a file, or manually enter each transaction,” the site adds. “After signing up, you create your first budget and assign every dollar a purpose, such as your rent or car payment. The goal is to eventually get at least one month ahead, so you’re spending money you earned 30 days ago. The company offers extensive educational resources and customer support to keep you on track.”

For investors, Forbes recommends Empower (formerly Personal Capital) for its outstanding reporting options, desktop capabilities, investment-management platform and spending tracking. Empower gives a holistic view of customers’ entire financial picture, from day-to-day spending to tracking portfolio performance.

“The app has several savings tools designed to help build retirement savings and emergency funds and pay down debt,” the publication adds. “It also has excellent advisory tools, including an investment checkup, investment-fee analyzer, financial planning, cash-flow tracking, education cost planning, and real-time net-worth tracking. All of these tools give detailed insights into your current financial picture, while also helping you plan for the future. The list of features may sound overwhelming, but the app is easy to use.”

Meanwhile, CNBC sings the praises of PocketGuard, which, among other features, taking into account the user’s estimated income, upcoming expenses, and savings goals, and uses an algorithm to show how much is available for everyday spending. The app categorizes expenses; syncs to bank accounts and credit cards; and boasts security features like bank-level encryption, PIN codes, and biometric IDs.

Beyond the Workout

Moving beyond financial wellness to physical wellness, countless apps are available to offer information on what to eat, how to exercise, and how to stay committed to better habits.

Forbes recommends FitOn, which offers a wide variety of workouts, including cardio, strength, high-intensity interval training, dance, yoga, Pilates, Barre, and more. It even features workouts led by celebrities like Gabrielle Union, Julianne Hough, and Jonathan Van Ness. Classes are available in real time with the app’s live classes feature or through on-demand workouts.

With a live leaderboard and real-time heart rate tracking via Apple Watch, users can track their progress and fitness goals. Upgrading to the Pro version grants users access to more than 500 recipes, live workout video calls, personalized meal plans, and more.

One of the most popular nutrition apps is MyFitnessPal, which offers a wealth of tools for tracking what and how much the user eats and how many calories they burn through activity, according to PC Magazine.

The app is also a top pick of Verywell Fit, which notes that “MyFitnessPal is our pick for best overall fitness app because of its robust food and activity database, easy-to-use logging and tracking tools, library of workouts, and ability to connect to several other apps.” It includes a database of more than 14 million foods, is customizable based on health goals, and offers restaurant menu logging as well.

According to CNET, Nike Training Club provides various workout programs such as body-weight exercises, high-intensity interval training, cross training, yoga, core exercises, and even expert health tips by Nike trainers to keep you on track.

“The workouts are easy to follow because there are video demonstrations of each exercise with the allotted time you should be doing them,” CNET notes. “This keeps you from losing track during your workout and mentally prepares you for the following exercise. The app also connects to your Apple watch to provide health metrics such as your heart rate and logs your activities. The best part of this app is that it’s free and gives you access to many resources no matter if you’re a beginner or more advanced.”

Although Peloton is famously associated with the home-workout bike of the same name, the workouts on the app don’t all require users to have the bike or other equipment, U.S. News and World Report notes, while boxing, running, yoga, and many more types of fitness workouts are available on the app.

Women’s Health agrees, adding that “testers loved the huge choice of workouts available, from strength sessions to yoga to meditation, and found it easy to filter classes on the app by duration and difficulty to find the right one for them. Our team also said they were persuaded to push beyond their usual limits during each session thanks to motivational instructors, who helped keep their form in check with non-stop helpful pointers — though some testers found them a tad too intense for their liking.”

So Much to Learn

Countless popular apps focus on education and learning for all ages. For kids, Verywell Family recommends Khan Academy, which collaborates with the U.S. Department of Education and myriad public and private educational institutions to provide a free, world-class education for anyone.

“From preschoolers to high-schoolers, there are few educational apps that can measure up to Khan Academy when it comes to the wide range of courses it offers to students of all ages,” the site notes. “Khan Academy’s YouTube videos cover most subjects at a range of levels: math, science and engineering, arts, humanities (which includes history and social studies), economics, AP courses, and test prep.”

It adds that Khan Academy is popular among students, parents, and educators because its videos are engaging and targeted at visual learners, using photos, maps, and other illustrations, and because it allows students to work at their own pace.

For teachers, Education Corner calls Google Classroom an excellent resource. “It pulls together all of the G-Suite apps (Docs, Slides, Sheets, and Draw). Teachers can create assignments and announcements for individual classes. They can attach worksheets, slideshows, or weblinks (along with many other things) and set deadlines. The work can be marked/graded and returned to students for further work.”

When a student completes work, it gets saved automatically to their Google Classroom class folders in their Google Drive (which are set up automatically). All work is saved securely. Students may submit class comments that are viewable to all students and teachers assigned to that ‘classroom,’ which leads to collaborative working.

My eLearning World touts HOMER as a personalized learning app designed to help younger kids fall in love with learning, featuring more than 1,000 learning activities across all subjects. “From toddlers to second-graders, this educational app is a fit for every eager kid ready to learn something new, especially younger kids early in their development. HOMER is an early learning software designed to help children develop their critical thinking skills. It helps them build their confidence for the future by leading them on their customized educational journey.”

HOMER features a variety of interactive lessons, stories, and activities that are tailored according to the student’s individual skills, age, and interests. “The level of personalization is what really sets HOMER apart from other kids educational apps,” My eLearning World notes, “and it’s why this is our favorite app for keeping children of various ages and skills engaged and learning at their own pace.

For learning another language in the go, Lifewire gives top marks to Duolingo, which “stands out among language-learning apps, and among education apps overall. Duolingo includes dozens of languages, including a couple of fictional ones just for fun. Each language offers a mostly linear path divided into topics of conversation. Each topic presents you with short exercises to familiarize you with the material through spoken and written formats.”

The app encourages users to make a habit of practicing with a reward system and a social component. The rewards can be spent in the app’s store on powerups and fun accessories. Meanwhile, the in-app social network encourages users to invite friends to the app and compare scores.

Now Go Away

Thinking about a vacation? PC Magazine says Hopper “is an app you definitely want to use while you’re planning a trip and before you buy any tickets. The mobile-only app tracks flight prices and gives you clear advice on the best time to buy — including through notifications when the price drops. What makes this travel app valuable is its level of detail. It doesn’t just tell you to wait to buy your ticket, but gives you a date when the price will likely rise. You can book through Hopper, too, with a commission fee of a few dollars.”

Travel + Leisure notes that flight prices can fluctuate, making it tricky to decide whether to book right away or hold off. Hopper can remove some of the uncertainty by predicting the best time to find the cheapest fares, saving up to 40%. The app also has a price-monitoring feature so users can select a particular flight and receive alerts if the price drops. They can also compare the prices and amenities of more than 250 airlines and get alerts about airfare flash sales.

For lovers of the great outdoors, Travel + Leisure also sings the praises of AllTrails, noting that “this app will provide you with the area’s best hiking, biking, and running trails. In addition to details on length, starting location, and trail quality, AllTrails includes reviews and photos from a community of hikers and outdoor enthusiasts. You’ll find useful information like what to pack, obstacles you’ll find along the route, and the best scenic spots to check out.”

Finally, Afar singles out TripIt, which automatically tracks confirmation emails for flight itineraries, hotel, or Airbnb bookings; car rentals; restaurant reservations; and even event tickets, then populates those travel plans into an itinerary that be viewed in one place.

“The easy-to-use organizational app makes it simple to share the consolidated information with family or friends, so you can send them your itinerary directly and avoid having to answer repeated texts like, ‘when are you landing again?’ to coordinate an airport pickup,” Afar notes. “TripIt even features a personalized travel stats page for really data-hungry folks who want to know how many trips they’ve taken or countries they’ve visited — and that’s just in the free version.” Meanwhile, the paid version includes extras like real-time flight alerts, TSA wait times, and loyalty reward program updates.

In short, whatever you’re looking to improve in your life, as Apple’s famous ad slogan notes, there’s an app for that.

Greenfield Envisions a Future-focused Downtown

By Joseph Bednar March 30, 2023

Community Spotlight

MJ Adams, seen with one of Greenfield’s signature bees, says commercial and residential development are equally important downtown.

MJ Adams recalled a community event in February 2020 called “A Deliberate Downtown: Growing by Design.”

“Because so many interesting things were happening downtown at that time, and we were getting ready to launch a downtown-revitalization effort, we wanted to engage everyone in the community conversation about downtown,” said Adams, Greenfield’s director of Community and Economic Development.

Then the pandemic struck, the world went into lockdown, and the city pressed pause on its plan, she said. But only a pause.

“The COVID-19 pandemic changed many things about the city’s growth plans for the short term, all of 2020 and most of 2021, but it did not change the grit, determination, and resiliency of our city’s business and government leaders,” Mayor Roxann Wedegartner said in a recent state-of-the-city address, noting that municipal leaders moved forward with construction and revitalization programs, aided by a rush of state and federal money intended to pump life into the economy and infrastructure.

During that time, the city broke ground on a new, $20 million library (set to open this spring), solidified a location for its new $21 million fire station (expected to open early next year), and built a temporary fire station to ensure continued service.

“These projects are a testament to the willingness of Greenfield citizens to fund essential services that serve our city and surrounding communities,” she said, adding to that list a skate park soon to open between Chapman and Davis streets downtown, funded with a combination of state grant money and city capital-improvement funding.

It’s all part of what the mayor calls the city’s ‘rurban’ lifestyle, an appealing combination of urban amenities and a rural feel, all highlighted by a downtown set to undergo significant changes to make it more liveable, walkable, and attractive for businesses and visitors alike.

“Downtown areas throughout the nation are changing; some have dried up completely, while others, like ours, are focusing on recognizing demographic and business shifts and are embracing that change,” Wedegartner said in her address. “We have a robust downtown-redevelopment strategy focused on transformational change incorporating available and new housing, new infrastructure improvements, and retail and commercial opportunities. Here is where we merge our economic-development, infrastructure, and housing efforts into a cohesive plan.”

What’s in Store?

A significant element in the downtown mix is the former Wilson’s Department Store site, which is being converted into an intriguing mixed-use development.

The city brought together the Community Builders and MassDevelopment in the acquisition and redevelopment of the former Wilson’s property, originally built in 1882. The redevelopment will create approximately 65 residential rental units and will reactivate prominent first-floor and basement retail spaces through the relocation and expansion of Franklin Community Co-op’s Greenfield store, Green Fields Market.

“In addition to creating much-needed, high-quality housing in Greenfield, relocating and expanding Green Fields Market will provide the community with access to healthy food in an area of Greenfield currently without a full-service grocery store,” said Rachana Crowley, director of Real Estate Development at the Community Builders, when the project was announced. “We’re proud to be a part of this team which will create new housing and employment opportunities and invest in a strong and robust Main Street in Greenfield.”

Adams said attracting a combination of commercial and residential tenants through mixed-use development has been important in the ongoing downtown plan. “What happens downtown, how we perceive it, is how the region perceives us as a community. So we knew we had to work on downtown. And we knew we couldn’t leave Wilson’s sitting empty.”

Jessye Deane says Greenfield businesses thrive through connections with myriad agencies that provide technical, financial, and other forms of support.

Adams called upper-story redevelopment “a significant building block in our efforts to create more business development and housing in Greenfield.” But the Wilson’s project is only one piece; another 36-unit development on Wells Street will hit the construction phase soon, and developers are eyeing other potential residential-development sites both within and outside of Greenfield’s downtown sector.

“We know we need to take a look at the missing middle-market supply of housing that serves working people who are not eligible for subsidized housing but are also struggling to find housing in any market now,” she said. “This is an issue for the whole state. Everyone is feeling, quite accurately, that we’ve made progress with affordable rental housing, but now we need to work on other aspects of the market.”

Adams feels like Greenfield is an attractive market for people looking for a place to live because it’s considered more affordable than other communities and boasts strong transit links to the rest of the region and beyond.

A $7.8 million, state- and federally funded multi-modal Main Street improvement project should only lend momentum to that perception, she and Wedegartner believe. The mayor appropriated $288,900 in capital funds for engineering and design of the project, which begins 100 feet to the east of Colrain Street and ends at High Street. The project is on track to be included in MassDOT’s Transportation Improvement Program, with construction slated to begin as early as fall 2026.

“While this project is underway, the city will also be able to upgrade underground utilities, primarily our water and sewer infrastructure. This will save the city money as we will not need to dig up Main Street twice,” the mayor noted, adding that additional grant money is being used to fund a parking-management study for the downtown area.

One significant goal of all this, she told BusinessWest, is to make Main Street more pedestrian- and bike-friendly, including continued efforts to make Court Square a pedestrian plaza. “Route 2A can never be pedestrian-only; Main Street has to be open to all traffic. But there’s significant work being done curb to curb.”

“I’m fond of saying that, in five years, you’re not going to recognize Main Street.”

Wedegartner stressed that development activity in Greenfield extends well beyond downtown. The Planning Department and City Council continue work to rezone about 40 acres across Route 2A from the I-91 Industrial Park as additional industrial space geared to attracting more advanced manufacturers and sustaining existing manufacturers who have run out of space in the current industrial park.

Jessye Deane, executive director of the Franklin County Chamber of Commerce and Regional Tourism Council, said one of the city’s selling points is its balance between that industrial sector and the sorts of small, locally owned shops and eateries that dot the downtown, as well as attractions ranging from Greenfield Garden Cinemas, which recently celebrated its 94th birthday, to Hawks & Reed Performing Arts Center.

Greenfield at a glance

Year Incorporated: 1753
Population: 17,768
Area: 21.9 square miles
County: Franklin
Residential Tax Rate: $19.65
Commercial Tax Rate: $19.65
Median Household Income: $33,110
Median Family Income: $46,412
Type of Government: Mayor, City Council
Largest Employers: Baystate Franklin Medical Center, Greenfield Community College, Sandri
* Latest information available

The owners of Greenspace Co-work, located upstairs from Hawks & Reed, have been bringing local businesses together at a monthly event called Business Breakdown, and Deane has been impressed with what they’re saying.

“The Business Breakdowns are so interesting; we’re hearing how many people not originally from this area chose to start a business in Greenfield because there are so many resources available — partnerships with the chamber and the Franklin County CDC and the city — and how glad they are that they did choose Greenfield.

“Greenfield is the seat of Franklin County,” she added. “When Greenfield does well, all of Franklin County does well. So it’s good to see Greenfield making such a concerted effort to revitalize the downtown.”

Partners in Progress

With technical and financial assistance and other resources provided to businesses through agencies like the CDC, Common Capital, the chamber, and others, and workforce-development efforts at Greenfield Community College, Franklin County benefits strongly from a culture of partnership, Deane said.

“It feels like there’s this collective effort to really build on the partnerships; it’s one of the things Franklin County generally does very well,” she explained. “Working through the pandemic, we had effective partnerships, and I’m really seeing those grow as we’re able to share resources and think more strategically about the next generation of Greenfield and what the city should look like.”

That said, “I’ve been really impressed with the energy and momentum I’m seeing in Greenfield,” she told BusinessWest. “We’ve seen the city of Greenfield creating an environment more attractive to businesses, while simultaneously supporting the outstanding businesses we already have to make sure we’re ensuring their success.”

That’s Wedegartner’s goal too, of course, even as she asks people for patience as all the visible signs of progress come together downtown over the next few years, from the new library and fire station to new housing and a more walkable city center.

“I’m fond of saying that, in five years, you’re not going to recognize Main Street,” she told BusinessWest. “It’s going to be so different and so much more vital in so many ways. But it’s going to take time.”

Chase Bank Continues Ambitious Growth Plan in Springfield

By Joseph Bednar March 17, 2023

Banking and Financial Services

Branching Out

Oumkar Tobaran says the human element is critical in banking even amid the rise of online and mobile tools.

At a time when a bank’s customers can conduct business from anywhere with a few clicks, dramatic branch expansion may seem outdated.

But it’s not, Ali Zaidi said, explaining why Chase Bank is looking to double its presence in Massachusetts over the next several years, starting with the opening of a downtown Springfield office on March 7.

“When you think about the important life events that customers go through, whether it be retirement planning, buying a house, or the birth of a child, people still have an appreciation for that face-to-face conversation. That makes an impact,” said Zaidi, Chase’s market director for Western and Central Mass. “And about 75% of our customers that have balances with us still come to the branches. So, clearly, the customers are telling us they would love to have that face-to-face interaction, especially with complex life events.”

Oumkar Tobaran, branch manager for the new location in Harrison Place — which has a long history of housing banks, including Third National Bank and, in recent decades, Bank of Western Massachusetts and People’s United Bank — said the human element is critical.

“With all the technology and innovation we have, think of the amount of things that we can go on our phones to do on a daily basis,” he told BusinessWest. “But the minute something doesn’t go right or the minute you need support or additional advice on something, we want to show that customer service matters, with a physical presence.”

The branch is Chase’s 38th in Massachusetts since opening its first Bay State location in Boston in 2018 — an impressive growth trajectory, and a number the institution is looking to double by 2025, including a location to open this spring in the former Silverscape Designs building on King Street in Northampton.

“This is a central point,” Zaidi said of downtown Springfield, noting that Chase has an office a few miles down I-91 in Enfield, but this is technically the first in Western Mass. “There’s definitely a rich history here on Main Street and its local businesses, as well as larger clienteles with MGM and the Hall of Fame. We’re serving clients of different demographics, and I’m very excited that we were able to secure this spot on Main Street.”

Tobaran said he expects plenty of foot traffic downtown, as well as visits from customers who may have been banking in Enfield or branches to the west, while Chase has been conducting outreach to build a larger base of business in the region.

“About 75% of our customers that have balances with us still come to the branches. So, clearly, the customers are telling us they would love to have that face-to-face interaction, especially with complex life events.”

“We wanted to make sure that we have a convenient place for them to visit because it’s important to be able to interact with the community,” he added. “There’s a lot of development happening in Springfield, and we wanted to be part of that momentum as well.”

Zaidi agreed. “Springfield is a key cog that gives us an entry point into expanding into Western Massachusetts and brings convenience to our customers. Springfield is being revitalized, and I feel we can be an integral part of that.”

He also feels there’s an opportunity to add customers who might already be familiar with Chase through its mortgage products and credit cards. “That’s what people know. So one of our consumer-banking priorities is to be a bank for all and make it easy for people to do business with us. And technology-wise, where customers were able to bank with us remotely, this now gives them a physical location to meet their diverse needs.”

Ali Zaidi says downtown Springfield is the first Chase branch in Western Mass. and the springboard to an eventual doubling of the bank’s branches in Massachusetts.

As he showed off the space at 1391 Main St., from the tellers and ITM machines up front to the various offices further back, Zaidi said the new Springfield branch can do all of that.

“We will help our customers with any needs, and we have more licensed specialist bankers to navigate those complex life events — retirement, financial planning, or just navigating your credit-history trajectory if you’re looking to purchase something down the road. We’re so excited to be providing that face-to-face value, and we’re looking forward to continuing the expansion.”

Set Up to Help

This first Western Mass. branch is about 3,000 square feet in size and features a modern, bright design with plenty of natural light, quiet meeting areas, and state-of-the-art banking technology, including those ITMs, which allow a higher withdrawal limit than traditional ATMs, as well as access to Chase professionals.

“For customers who have commercial or small-business banking needs, we have our team of experts, partners who will be working out of here and supporting other branches to connect customers. So it’s a one-stop shop.”

A dedicated Chase Private Client team provides premium banking services, personalized attention, and access to the expertise and investment capabilities of J.P. Morgan to help families reach their goals. Customers may also meet with financial and home-lending advisors and business-banking relationship managers.

“Our retail banking operations are here, and we have our licensed bankers to deal with client management,” Zaidi explained, “and for customers who have commercial or small-business banking needs, we have our team of experts, partners who will be working out of here and supporting other branches to connect customers. So it’s a one-stop shop.”

Tobaran said the open layout will help customers easily navigate what they need. “We will have associates in the lobby greeting clients, interacting with them. And then, depending on the transactions they’ll need to leverage, we can go back here and figure out what we need to help them with,” he explained, gesturing away from the front door toward the offices in back.

“But we equip a lot of our associates with tablets,” he added. “So in addition to helping them back there, however we can help support them face to face, sitting down in the lobby area, we will do that with the resources and tools we have.”

Besides banking business, Chase also wants to connect with Greater Springfield in other ways, Zaidi said, through financial-literacy programs and other types of community outreach.

“The idea is to have our branches be community anchors. So when we think about financial-literacy conversations, be it with young professionals or small-business owners, we want to host workshops and assistance in that space as well,” he explained, noting that Chase is working on several community-development efforts around financial literacy, including a partnership with Western New England University. “So this would serve as an anchor for us where we could do before- or after-hours seminars and events. It makes sense.”

Harrison Place has been home to several banks in the past, from Third National Bank to the Bank of Western Massachusetts and People’s United Bank.

Tobaran added that the bank’s employees also reflect its region, as the branch hired locally, including people who hail from the Latino and Vietnamese communities, among others.

“We want some familiar faces to be representing Chase, saying, ‘hey, these are the resources we have to help you accomplish your goal.’ It was important for us to get local talent, people who had ties to the community, people who are passionate about giving back and who genuinely want to see Springfield succeed.”

Only the Beginning

Zaidi and Tobaran know Chase is making an ambitious surge into a region some have called overbanked, and where community banks have long dominated. But they say Chase is committed to local residents and organizations in much the same way locally headquartered banks are, while also bringing vast financial resources to the table.

“When you think about Chase, we have the resources of a large global corporation,” Zaidi said. “And our vision is, how do we take those resources and localize the solutions for our customers? Our technology and data analysis help us strategize and take a more targeted approach, because all the branches are going to operate differently based on the community-specific needs.”

One example is a partnership with Habitat for Humanity, one of the organizations that will be on hand on March 15 for the branch’s official grand-opening festivities.

“That’s one way Oumkar and his team have been making an impact in the community already,” Zaidi said. “We feel that we can be a valued contributor in that space among all the other banks. The competitive edge that we have is not only through our resources, but with the community aspect that we are trying to drive here.”

UMass Amherst’s LARP Program Aims to Create a More Sustainable Future

By Joseph Bednar March 16, 2023

Architecture Special Coverage

Surveying the Landscape

Robert Ryan stands on the green roof of the John W. Olver Design Building.

It’s called Valley on Board.

The effort is part of a federally funded project by the Pioneer Valley Transit Authority (PVTA) that involves a comprehensive assessment and strategic planning of transportation routes, services, and facilities throughout the region, one that aims to inform the design of a sustainable transit system to support economic vitality across the Pioneer Valley into the future.

One goal of Valley on Board (VoB) is to develop a route redesign that will serve the PVTA and the Pioneer Valley for at least 20 years into the future while achieving goals such as increased ridership, improved efficiency, and enhanced accessibility and equity of the system.

Since the summer of 2021, graduate students under the guidance of Camille Barchers, assistant professor of Regional Planning at UMass Amherst, have been working with the PVTA on the VoB initiative.

“They did many, many public participation activities to get people’s feedback across the region about what they wanted, what’s working, what’s not working. And they also did mapping of routes to find what areas are served and what areas can be served better,” said Robert Ryan, professor and chair of Landscape Architecture and Regional Planning (LARP), the innovative, cross-disciplinary department at UMass whose graduates — and, often, current students — are impacting communities everywhere in disciplines like urban planning, sustainable living, climate resilience, transportation planning, and others.

“Landscape architects are licensed by the state to do work on designing landscapes — it could be with a building, without a building, campus-planning work, stormwater management, schoolyard design, streetscapes, large-scale open-space planning, that sort of thing,” Ryan explained. “Regional planning is for students who may want to work as municipal planners in the Commonwealth or with a regional planning agency or as a planning consultant; it’s similar to an urban planning degree.”

The Landscape Architecture and Regional Planning department provides professionally accredited degrees (MRP, MLA, BSLA); a sustainable community development degree that UMass touts as one of the most innovative sustainability-focused undergraduate degrees in the country; a skills-based, two-year associate of landscape contracting degree; and a PhD in regional planning. The department’s website claims that “we research, design, teach, and do community outreach to create sustainable solutions to complex problems.”

To that end, students have worked on greenway rail-trail projects in the region, new park and plaza design and redevelopment, residential design, office-plaza design, and public work for cities and towns, Ryan said, through entities like the UMass Design Center in Springfield, which engages in research and projects to create healthier, more sustainable, more walkable cities.

“That’s the landscape-architecture side,” he went on. “On the planning side, they might work on transportation planning, economic development, or land-use planning for a municipality. Certainly in this region, you often find you’re working in places that are built, so it might be a redevelopment project within a larger town or city.”

Students work on climate-change adaptation planning as well, Ryan said. “With the impact climate change is having everywhere, how can we adapt to that changing climate? And how do we sort of mitigate climate impacts by the development we’re doing?”

He said a combined Landscape Architecture and Regional Planning department may be uncommon in secondary education, but the projects and issues students and graduates tackle lend credence to the model. And those issues are only becoming more prominent.

“The way that municipalities approach this sort of thing has created an evolution of the program as well,” he told BusinessWest. “When you look at city planning these days, the importance of sustainability and some of the environmental focus have shifted in just the time I’ve been here. There are so many sustainability officers doing hazard-vulnerability plans for municipalities, doing climate-change vulnerability plans. I think cities are more attuned to that impact and how they should plan for it.”

Cities are particularly interested in alternative transportation, he noted, from bike lanes and enhanced train and bus service to creating more pedestrian access and walkable downtowns.

“The master planning for many cities is to make them more walkable and use more public transportation to make it more habitable. That’s an equity issue and a safety issue as well, because if you don’t own a car, or you can’t afford a car, and you need to take the bus and then walk to work or school, then you need a safe place to do that. There are a lot of federal funds and state funds to help cities do that.”

Evolving Picture

Graduates of LARP work in a number of intriguing fields, some of them centered on climate resilience.

“That’s what I’m most involved in,” Ryan said. “Green infrastructure is using natural systems to clean stormwater to provide climate-change adaptation to cool urban cities, to deal with water cleansing, that sort of thing. That’s a big issue in a lot of our cities that have EPA declarations; we have to clean the water up in the city, to kind of capture stormwater and treat it — instead of a catchbasin, using natural systems like ponds and pools to collect it, allowing sediment to drain out and cleaning the water before it goes into natural water bodies.”

The John W. Olver Design Building, which houses LARP (more on that later), is a good example, he explained. “There’s water that comes off our roof and adjacent parking lots, and then it’s treated in these rain gardens, these sort of swales around the building.”

Some cities are also making an effort toward urban greening, he added, planting more trees along streets to cool the city and make it more aesthetically pleasing for pedestrians.

Another specialized focus for LARP students is preservation of cultural landscapes, such as cemeteries, historic homes, and state parks. Students have been able to work with the National Park Service, the National Forest Service, and state historical groups on such issues.

“As landscapes change, trees grow, things fall down outside, so can you restore that landscape to something that might have been historically?” Ryan asked, pointing to recent efforts in Franklin Park in Boston as one example. “It was designed over 140 years ago. So there’s parts of that park that have changed over time. So which part do you preserve, and which part can you redevelop? Which parts do you change?”

Many students also develop a passion for biodiversity, he added.

“Can we change the design aesthetic of what’s been planted around our buildings and landscapes to plant more native plants and species that will then promote the biodiversity that’s native to the region? You can have your lawn, which is nice and beautiful, but doesn’t have a lot of biodiversity associated with it, or you can replace it with something that’s native plants and trees, and you can increase the biodiversity associated with that.”

The Olver Design Building reflects that priority as well; it’s a former parking lot that how boasts a green roof featuring native plants. But it’s much more than that.

Touted by UMass as the most technologically advanced cross-laminated timber (CLT) building in the country, the structure opened in 2017 to house three academic units: the department of Architecture, the Building and Construction Technology Program, and LARP.

Built of CLT timber and glue-laminated columns, the 87,000-square-foot facility saves the equivalent of over 2,300 metric tons of carbon when compared to a traditional energy-intensive steel and concrete building. It is one of just two buildings in North America using CLT for wind and seismic resistance.

The building has won numerous awards since its opening, from the WoodWorks Wood Design Awards, where it won Jury’s Choice for Wood Innovation, to the American Institute for Architecture’s (AIA) Committee on the Environment Top Ten Awards. Most recently, the AIA cited the building again with one of its 2023 AIA Awards for Architecture.

“The LEED Gold-certified building was constructed with a cutting-edge composite cross-laminated timber system, taking its cues from the Building and Construction Technology department’s research on mass timber,” the AIA noted. “It is the largest such building in the United States, demonstrating the university’s commitment to sustainability and innovation. The building’s envelope functions as a protective weather jacket that shields its wood structure. A durable rain screen enclosure composed of copper anodized aluminum panels and vertical windows suggest the patterns of historic tobacco barns and the region’s forests.”

Passion for Preservation

That language, again, reflects the balance of preservation, development, and sustainability at the heart of LARP studies — and the hearts of its students, who often see this work as mission-driven.

“Especially in our graduate programs, people are sometimes changing careers to come back to school via Landscape Architecture and Regional Planning,” Ryan said. “They’re really devoted to making the world a better place, which might include making cities healthier and greener, or dealing with degraded landscapes and healing them and bringing natural systems back. They could be promoting equity in our cities via more affordable housing or transportation. So there are definitely folks who have that passion to come in and do this sort of work.”

They’re also encountering a strong market for job seekers; Ryan says he posts job openings he comes across every day.

“All the firms I talk to are growing, and they can’t find the employees, so graduates are very sought after,” he added. “We do innovation here, but it’s also practical — when you graduate, you can work as a professional in a public or private office and do this work. And we have a lot of examples in our classes where you’re doing work with real clients, not just as an internship, but as a regular class.”

Like those graduate students working to improve transportation — and quality of life — close to home.

Holyoke’s History Is One of Adaptation, Evolution, and Water

By Joseph Bednar March 2, 2023

Features

Going with the Flow

By Joseph Bednar

bednar@ BusinessWest.com

Old Holyoke Dam

The city of Holyoke’s website details a series of telegrams sent by one James Mills on Nov. 6, 1848 to a group of industrialists in Boston who had invested in the first dam at South Hadley Falls and were eager to hear of its performance.

“The gates were closed and the water filling behind the dam,” Mills reported at 10 a.m. It would be his only happy missive.

Noon: “Dam leaking badly.”

1 p.m.: “Leaks cannot be stopped.”

2 p.m.: “Bulkheads are giving way.”

3:20 p.m.: “Dam gone to hell by way of Willimansett.”

So, it wasn’t the most auspicious way to begin Holyoke’s new direction as a planned industrial city that harnessed the power of the Connecticut River.

But the builders learned from their mistakes — and built a replacement dam. Like the first, it was also made of wood and completed the following summer. This dam still stands, 150 feet underwater, behind the current, modern stone dam that was put into service in 1900.

This bit of history is just one example of Holyoke not only overcoming challenges, but evolving with them along a winding, intriguing, still-evolving story.

The story actually begins much earlier, with the Indigenous tribes who settled there on the rich, alluvial plain, including the Nonotucks, from whom early European settlers eventually purchased the land that would be incorporated into the future boundaries of Holyoke.

Captain Elizur Holyoke is believed to be the first European to explore the future city. In 1633, he led an expedition up the Connecticut River to explore the potential for settlement. Two years later, based upon his report, European agriculture settlement began in the region. Initially concentrated in Springfield, settlers soon began to migrate to the surrounding areas that would later become West Springfield, Chicopee, and Holyoke. Holyoke was then known as Ireland Parish, a name that would remain in common use until 1850.

When Boston investors saw in the parish industrial potential similar to Lawrence and Lowell — and the energy potential of the river — they set out to create an industrial city on a large scale.

In 1847, taking advantage of the broad plain and the 57-foot drop in the Connecticut River at South Hadley Falls, work began on the planned industrial city. Canals, mills, boarding houses, offices, and a dam were all built by pick and shovel. And on March 4, 1850, Holyoke — with its working dam — was finally separated from West Springfield and designated its own town.

“There was some resistance from the farmers who initially didn’t want to sell their land,” said Penni Martorell, Holyoke’s city historian and curator of Wistariahurst. “But eventually [the investors] won out. They just bought the land and then laid out the plan for the city. The flats area was definitely the working man’s area. The middle area around the canals was where the factories were built, and then the highlands were set aside for retail businesses and homes of the wealthier families.”

Strength in Paper

Before the planned-city idea got rolling, Holyoke was mainly an agricultural community with a sprinkling of industry, including a lumber mill on the river.

“The investors had had success in Lawrence, in getting mills set up along the river up there. And then they were like, ‘well, where else can we go?’” Martorell told BusinessWest. “Lawrence and Lowell often lay claim to being the first planned industrial cities. We say they worked it out there, and then they perfected it here in Holyoke. They really took advantage of the 60-foot drop in the river, how to harness that energy and then send it through the canals.”

Holyoke’s development was rapid, with its population surging from about 3,200 in 1850 to 45,000 by the turn of the century and more than 60,000 at its peak in the early 1920s. Textiles were the first major product of the city, quickly followed by paper, which became the dominant force in the city. At one time, more than 25 paper mills were in operation.

By 1885, 12 years after its official designation as a city, Holyoke was the largest single producer of paper of any city in the U.S., producing around 190 tons per day, more than double the next-largest producer, Philadelphia, which produced 69 tons per day despite having a population nearly 40 times its size. By 1900, Holyoke would produce about 320 tons per day, predominantly writing paper, led by American Pad & Paper Co., American Writing Paper Co., and others.

Holyoke also built schools, churches, parks, and many public buildings, including the historic City Hall (see story on page 28). By the turn of the century, Holyoke exerted considerable influence on American life. The Holyoke Opera House was the test location for Broadway plays before moving on to New York. The Easter parade here drew as many spectators as on Fifth Avenue.

A number of industrial inventions arose out of the city in the late 19th and early 20th centuries. The first and most prominent hydraulic testing lab in the U.S., Holyoke Testing Flume, performed 3,176 tests to establish turbine efficiency from 1870 to 1932. Other pioneering developments included the first use of Hans Goldschmidt’s exothermic welding process in the Americas in 1904, by George Pellissier and the Holyoke Street Railway. In electronics, the world’s first commercial toll line, between the city’s Hotel Jess and a location in Springfield, entered service in 1878. Holyoke was also home to Thaddeus Cahill’s New England Electric Music Co., which, in 1906, demonstrated the telharmonium, the world’s first electromechanical instrument, a predecessor of the synthesizer.

Meanwhile, the availability of water power enabled Holyoke to support its own electric utility company and maintain it independently of America’s major regional utilities. The city was thus a rare unaffected area in the Northeast blackout of 1965.

But the city’s second century has been a complicated story, Martorell said.

“It was boom and bust. So every time there was a bust, the wealthier people were able to prepare for that. But the lower-income people were not able to prepare. They would move on to wherever there was work. So it was a bit of transience at certain points. The paper industry kind of morphed into other industrial spaces.”

Northern Migration

Beginning at the end of World War II, the city’s demographics began to change, as an influx of Puerto Ricans and other Latino groups began to migrate to the Northeast U.S., driven largely by the Farm Labor Program initiated by the U.S. Department of Labor, which recruited Puerto Rican laborers to work on agricultural land; in the case of Holyoke, many worked on tobacco farms and arrived in the city in search of better job opportunities at the mills, as previous generations had.

“In Springfield and Holyoke, housing was inexpensive, you had access to 91 and 95, and a lot of them had an agricultural background and were looking for farm work,” Martorell said of the Puerto Rican influx. “So between Hatfield and the tobacco fields along the Connecticut River, they were able to find work pretty quickly once they got here.”

By 1970, the number of Puerto Rican residents numbered around 5,000; however, by that time, many faced a city economy that was struggling. Holyoke’s mills had closed due to the changing economic landscape of early globalization and deindustrialization; from 1955 to 1970, half of all industrial jobs vanished. Despite economic and social difficulties, however, the population grew significantly, and today Latinos form the city’s largest minority group, with the largest Puerto Rican population per capita of any American city outside Puerto Rico proper, at 44.7%.

As for those old industrial buildings, their use is evolving.

“The Skinners, who made silk, sold their company to Indian Head Mills, which was a conglomerate going around buying up textile mills in the late 1950s or early 1960s. They bought the company and then shut it down a few years later,” Martorell said. “And many of the other paper companies had already gone out. Parsons Paper was the first paper company in Holyoke, and they closed their doors in 2005. So that was a pretty good run.”

A few specialty paper and printing companies remain, but today, many of the old mills along the canals are being repurposed, from cannabis cultivation, manufacturing, and retail operations to the entertainment venue known as Gateway City Arts.

Martorell said change has been a constant in Holyoke, but so has a feeling of promise.

“People in Holyoke love Holyoke. People are committed to being here, and they want to see good things happen for the city,” she told BusinessWest. “And I think the last two mayors have really tried to make an effort to rebrand the city in a more positive way and say that the challenges that we’ve had in the past have made us stronger and more diverse. So we embrace that and celebrate that.”

Some information for this article was adapted from the city of Holyoke’s written history and from Wikipedia.

In Its Fifth Decade, OMG Inc. Keeps Growing and Innovating

By Joseph Bednar February 17, 2023

Construction

View from the Top

From left, Web Shaffer, Hubert McGovern, and Dewey Kolvek on one of the plant floors at OMG Inc.

The past three years — spanning the pandemic and all the ways it has impacted industry, from supply chains to workforce challenges — have been rough on businesses of all kinds.

But for OMG Inc., it’s been a different story.

“I want to say three-quarters of the business is re-roofing,” said Web Shaffer, senior vice president and general manager of the firm, which encompasses two main divisions: OMG Roofing Products and FastenMaster. “So, while it’s not entirely recession-proof, when your roof goes, you can patch it for a little while, but you can only do that for so long.”

OMG President Hubert McGovern agreed. “You either get a bucket, or you get a new roof.”

And the bucket isn’t the ideal choice for a large company — think of an Tesla factory, a Target store, or an Amazon warehouse — with plenty to protect under that roof.

Meanwhile, 2020 found people stuck at home, not going on vacation, and, in many cases, investing in their homes, said Dewey Kolvek, OMG’s senior vice president of operations. “During the pandemic, it was crazy, with everybody battening down the hatches. A lot of people were at home, looking around, and saying, ‘you know, maybe we should remodel our bathroom. Maybe we should remodel the kitchen. Oh, let’s put a deck out in the back.’”

OMG Roofing Products, which manufactures and supplies roofing fasteners, adhesives, and rooftop drains, pipe supports, and solar mounts, as well as proprietary installation technology for the flat-roofing market; and FastenMaster, which develops fastening and adhesive products used by remodelers, deck builders, residential framers, home builders, and floor installers, both benefited from this environment.

“We’re not making basic drywall screws or something like that. If we have a new product, it’s got to have a feature, a benefit, a patented intellectual property, and something the customer wants.”

And during a time of global supply-chain issues in 2021 and 2022, “we grew out of control, and we couldn’t keep up,” McGovern said. “These last two years have been record years for the company because of the demand. It’s finally starting to settle, but we’ve been under the gun to produce as much as possible, as fast as possible, for probably two and a half years.”

Kolvek recalls it all vividly. “For a period there, we were on 24/7 for two months, just to try to put a dent in it. It was brutal.”

OMG is no stranger to growth spurts. After launching in 1981 as Olympic Fasteners, by 1987 it was manufacturing 100 million fasteners a year. In 1993, the company became Olympic Manufacturing Group — hence the OMG acronym — and in 1997, it was acquired by Handy & Harman, which was later taken over by a public company called Steel Partners. Throughout its history, OMG has grown about 10% a year, on average, through organic growth, constant product development, and a series of acquisitions.

Today, OMG boasts more than 650 employees — about 450 of them at its Agawam campus, which spans 480,000 square feet over a half-dozen buildings — and records about $400 million in annual sales. Its three other plants are located in Addison, Ill., Charlotte, N.C., and Rockford, Minn., in addition to field salespeople located across the U.S. and overseas. The company estimates that around 65% of all commercial, industrial, and institutional buildings in the U.S. that have been built or reroofed within the past 25 years have one or more of its products on their roof.

“The good news about roofing is, people need roofs,” McGovern said. “So if you have a decent building, you’re not willing to let it just deteriorate; you’re going to get a new roof if you need it. Or you’re going to have a lot of buckets and be running around like a chicken with your head cut off every time it rains.”

Hot Stuff

During BusinessWest’s recent visit to OMG’s factory in Agawam, Shaffer pointed out a Chinese advertisement for RhinoBond, the first non-penetrating, induction-based roof-attachment method in North America, which OMG introduced in 1999.

“RhinoBond is a global leader in induction heat welding, and a leading-edge technology in the commercial roofing industry,” he noted. “So we make stuff in Western Mass. and export it to places like China, which is pretty cool. It usually goes the other way.”

McGovern said OMG has a family of about 20 patents on its induction roofing technology, which uses heat to meld the roofing membrane to a fastener plate without having to puncture the membrane with a screw. “It’s a different way of doing roofing — and we lead the market with that.”

On an aerial photo of the Agawam campus, he pointed out a building dedicated to research and development that houses about 30 employees, mainly engineers, who work on developing new products. Over the years, the company’s developments have included TrapEase, the first composite deck screw that does not mushroom; OlyBond Insulation Adhesive, a two-part, low-rise polyurethane foam; OlyBond500 canisters, a new method of applying adhesive, and many more.

This flat roof will use OMG’s patented heat-induction system, which requires no screws to pierce the membrane.

“A lot of the growth has come from looking at our customers and saying, ‘what else can we sell these guys that will help them build a better roof?’” Kolvek said. “And that’s where you see our drains come in, or the solar mounts and other things. Those accessories have helped grow the business, as well as new technologies that cannibalize some of our original product line or allow a more premium solution to builders.”

Shaffer agreed. “We’re really getting out there to the customer and saying, ‘how can we help you? What are your challenges you’re facing?’ And maybe we can bring a solution to the table.”

FastenMaster in particular has been introducing new products at a brisk pace, as evidenced by an innovation award it received from Home Depot in November, for its Cortex Hidden Fastening System, which is used to build a deck with fully hidden hardware and fasteners. That kind of continuous development is possible only by staying atop and even spearheading industry trends, McGovern said.

“Some of the technology is changing, but we’ve changed some of the technology with our products,” he noted. “And we’re not making basic drywall screws or something like that. If we have a new product, it’s got to have a feature, a benefit, a patented intellectual property, and something the customer wants.”

“We’re in Western Mass., and we’re all vying for the same pool of workers. So what makes you different than someone else you’re competing against for that same labor?”

Clearly, customers do want them — not only domestically, but in a place like China that’s known much more for its imports to the U.S. than its exports from stateside manufacturers. “You don’t see that a lot in any industry — maybe in some more high-tech ones,” Kolvek said. “But in the construction industry, there’s a lot more imported product. So we have to be different — and better. That’s the bottom line.”

And when OMG develops a successful product, similar products will follow, as with the OlyBond canisters. “We introduced that technology to roofing and, it took off — tens of millions of dollars of sales in a very short period of time,” McGovern said. “Now everybody has a canister technology.”

Last year, Home Depot gave one of its three innovation awards to OMG’s Cortex Hidden Fastening System.

“In business, that’s what happens,” Shaffer added. “If you’re successful like Tesla, well, somebody else is going to come out with electric cars. They’re not going to let you just do that forever. So you’ve got to move on and innovate again, which is what that whole R&D building is all about.”

And being first to market is important when operating on a global scale, McGovern said. “Then it’s everyone else playing catch-up.”

A key element in OMG’s success has been its embrace of lean manufacturing concepts, Kolvek explained.

“We have a pretty robust continuous-improvement program where we want all employees to be engaged with that thought: what is a better way? How do I improve efficiencies? Can I work safer? Can I work faster? You know, really just instilling people to understand the principles of driving the waste out of everything that we do. There’s always an alternative, and we have to pursue that to stay competitive and stay out in front.”

Shaffer agreed. “How do we compete globally from Western Massachusetts, which is not an industrial region? It’s the innovation plus lean operations keeping costs down and improving that value proposition to the end user. Managing costs and innovating — that’s how we succeed here in Western Mass.”

Focus on People

McGovern said the importance of employees is also reflected in initiatives ranging from tuition reimbursement and financial-wellness programs to company picnics, subsidized healthy meals, and physical-wellness programs such as yoga, massage therapy, and a gym and fitness trainer on site.

“These are all things that enhance people’s lives, that aren’t necessarily attached to the working piece of the company. But if people feel better about themselves, if they’re financially well, if they’re physically well, then we know they’re going to be a better employee. We win, and they win.”

Such efforts are even more important at a time when businesses of all sizes struggle to recruit and retain talented workers.

“It’s a huge issue. That’s why we spend a lot of time and money on it,” McGovern said. “We want the best employees, and we want them to stay. And it’s not an easy market.”

The goal has been to create an employee-centric culture, Kolvek added, and the proof of that model’s success is OMG’s continued growth.

“Management will walk the floor every day, in different areas of the company, just to find the pulse: ‘what are your challenges? What can I help you solve? Do you need anything from me?’ Maybe we’ve got to make an investment somewhere, and who better to highlight that than the person who’s dealing with that challenge day in and day out?

In addition, “you have to differentiate yourself from your competition,” Kolvek said. “We’re in Western Mass., and we’re all vying for the same pool of workers. So what makes you different than someone else you’re competing against for that same labor? If you have employee programs where people see value and benefit, they’re going to be more inclined to come here, stay here, and make a career here.”

What Does the Cybersecurity Landscape Look Like in 2023?

Cybersecurity Special Coverage

Defense Mechanism

The numbers are staggering. According to Cybersecurity Ventures’ 2022 cybercrime report, the cost of cybercrime is predicted to hit $8 trillion in 2023 and will grow to $10.5 trillion by 2025.

The impacts on businesses are already well-established. According to security.org, one in every six businesses that fell victim to cyberattacks faces ransomware, and about half of them pay the ransom. And according to a report last year by Security Intelligence, the share of data breaches caused by ransomware grew 41% in the previous year and took 49 days longer than the average breach to identify and contain.

A study conducted last year by Positive Technologies among financial organizations, fuel and energy organizations, government bodies, industrial businesses, IT companies, and other sectors found that cybercriminals are able to penetrate 93% of company networks and gain access to local network resources.

Such breaches, obviously, affect personal data. In 2020 alone, data breaches exposed more than 37 billion personal records, 82% of which came from only five breaches, security.org notes. Data breaches affect not only companies and organizations, but also the people whose information is in the exposed records. And identity-fraud losses in 2020 cost its 49 million victims $56 billion in total, or roughly $1,100 per victim.

“Cyber insurance premiums are climbing, and it’s becoming increasingly difficult for companies to afford or obtain coverage.”

Clearly, the threat is real, and growing. Here are a few trends to consider when looking at the cybersecurity landscape, and what tech media and organizations are saying about them.

Rising Threats, Rising Liability

With the rise in cybercrime has come increased risk for businesses, and that means a much larger cybersecurity sector. According to security.org, the global cyber insurance market was worth $7.8 billion in 2020 and is likely to grow into a $20 billion industry by 2025. About 75% of all cyber insurance premiums are for businesses, and the rest for individuals. But that could be shifting as well.

So, too, is the responsibility companies bear for their own data security, Forbes projects. “Cyber insurance premiums are climbing, and it’s becoming increasingly difficult for companies to afford or obtain coverage,” the publication notes. “To negotiate insurance premiums and better risk coverage, businesses will be required to present evidence across a broad spectrum of security areas in order to prove compliance with leading cybersecurity standards and best practices.”

Organizations will begin to conduct enterprise risk assessments that highlight the maturity level of their cybersecurity program and proactively address any underwriting concerns, it continues, noting that risk assessments can help determine decisions around insurance gaps, limits, and coverage.

“With the distinct possibility of a global recession on the horizon, we expect to see ransomware attacks spike in 2023. However, larger organizations in regions heavily impacted during the ransomware boom are the most prepared for this wave after investing time and money in fighting back.”

As for those internal efforts, Forbes also notes that cybersecurity has become too complex for many organizations to manage on their own, and most companies don’t have the skills or resources to manage a full-fledged security operations center (SOC). For these reasons, many businesses will be forced to think creatively and could decide to outsource their day-to-day security operations.

Locally, one such SOC is being developed at Springfield Union Station, part of a state- and federally funded project announced in November to establish a Cybersecurity Center of Excellence at the site, which will also include a ‘cyber range’ for training.

Mary Kaselouskas, vice president and chief information officer at Springfield Technical Community College (STCC), which will manage the center, noted recently that “a lot of companies don’t have the resources for a fully operational SOC, or can even afford to have managed SOC operations,” so the need for a local SOC is clear.

Zero Trust on the Rise

One way businesses are increasingly curtailing cyber threats is through a concept called ‘zero trust.’

According to IBM, the idea, developed by John Kindervag in 2010 while a principal analyst at Forrester Research, is a broad framework that promises effective protection of an organization’s most valuable assets. It works by assuming every connection and endpoint is considered a threat.

Essentially, a zero-trust network logs and inspects all corporate network traffic, limits and controls access to the network, and verifies and secures network resources. A zero-trust security model ensures data and resources are inaccessible by default, and users can only access them on a limited basis under the right circumstances, known as least-privilege access. The strategy also authenticates and authorizes every device, network flow, and connection.

“As hybrid work became a way of life, more organizations have started adopting zero-trust frameworks, meaning all users, apps, and devices that request access are assumed to be unauthorized until proven otherwise,” Security Intelligence notes. “Organizations with a zero-trust approach deployed saved nearly $1 million in average breach costs compared to organizations without zero trust deployed.”

Connecting the Globe

Perhaps no cybersecurity trend has been bigger in the last several years than the scourge of attacks related to the supply chain. Analyst firm Gartner predicted that, by 2025, 45% of global organizations will be impacted in some way by a supply-chain attack.

“Cyber criminals look for organizations or industries teetering at the edge and then make their move to tip them over,” said Charles Henderson, an IBM global managing partner and head of IBM Security X-Force. “Last year, we saw that with manufacturing — a strained industry viewed as the backbone of supply chains. With the distinct possibility of a global recession on the horizon, we expect to see ransomware attacks spike in 2023. However, larger organizations in regions heavily impacted during the ransomware boom are the most prepared for this wave after investing time and money in fighting back.”

Global threats often require a global response, which is why, last year, the U.S. State Department announced the launch of the Global Emerging Leaders in International Cyberspace Security (GEL-ICS) Fellowship, in partnership with the Meridian International Center.

The fellowship will support the development of a diverse global network of future cyber policy leaders who share the U.S. and other partners’ vision for cyberspace, and is designed to equip emerging leaders from the governments of these foreign partners with the knowledge and global connections to be advocates of the framework of responsible state behavior in cyberspace, as affirmed by the United Nations General Assembly.

The first cohort of 20 to 25 government officials will engage in a year-long program on international cyberspace policy in 2023. Fellows will visit Washington, D.C., New York City, and San Francisco to engage with U.S. and international leaders from government, industry, and civil society. They will also participate in a series of thematic webinars to support continuing education and foster networking among the fellows and stakeholders.

Additionally, fellows will reconvene on the margins of the 2023 Internet Governance Forum hosted in Japan to mark the end of the program. With each year, fellowship alumni will form a growing, global network of proponents for a stable and secure cyberspace for future generations.

Good Time for a Job Search

If there’s a plus to the increasing cyber threat landscape, it’s an explosion in job opportunities. Even at a time when the IT industry is seeing massive layoffs, cybersecurity appears to be a safer harbor than other tech careers.

The global cybersecurity workforce grew to encompass 4.7 million people last year, reaching its highest-ever levels, according to a workforce study by ISC2. However, the same study found there is still a need for more than 3.4 million security professionals, an increase of more than 26% from 2021’s numbers.

The U.S. Bureau of Labor Statistics projects similarly robust need, estimating that the number of cybersecurity jobs will grow by 35% between 2021 and 2031. According to Cyberseek, of those 3.4 million professionals needed globally, about 770,000 opportunities are in the U.S. alone.

Henry Thomas, President and CEO, Urban League of Springfield Inc.

Class of 2023

His Life Story Is One of Creating Opportunities for Others

Leah Martin Photography

“This is my life story.”

That’s what Henry Thomas said as he gestured to a piece of furniture in his living room — an end table with a compartment under its glass top that contains dozens of items that, indeed, trace many points along his life’s journey.

It’s a story told by business cards and nametags. Badges from his days as Springfield’s Fire and Police commissioner. A ticket to President Obama’s first inauguration in 2009. A campaign button from Mike Dukakis’ unsuccessful presidential run in 1988, which Thomas worked on. His Ubora Award from Springfield Museums, along with various other medals and ribbons. A baby-dedication program for one of his five grandchildren. A miniature saxophone, representative of the music he would like to pursue more fully when he has more time.

And two objects that are oddly related. One is a 1950s-era box from a product called Asthmador, a powder that was burned and inhaled in the days before aerosol asthma inhalers. “It looked like I was doing hash,” he laughed. The other object is his draft card for military service during the Vietnam War.

“I got a waiver when I was in college, so that saved me from having to go right away,” he recalled. But when it came time to visit the draft board, “they said, ‘sorry, we can’t take you.’ I said, ‘why not?’ They said, ‘you’ve got asthma.’”

“If you’re trying to get into the end zone for a touchdown, you can’t run out at the five-yard line, back to the coach, and say, ‘hey, Coach, I’m trying to get in the end zone, but this guy keeps stopping me.’ There’s always going to be a defense in life, and that’s what I’ve preached to my kids as well.”

Coming from a long line of men who had seen military service, from the Civil War through two world wars, Thomas felt … well, disappointed. And he argued about it, but was told that an asthma attack could get not just him killed, but other soldiers as well.

“That’s what saved me from going. But I shouldn’t say ‘saved me,’ because I do consider it an honor to serve your country,” he said.

After excelling in football, track, and gymnastics in his youth — he’s a member of the Springfield High School Sports Hall of Fame — he also aspired to play football professionally, but a severe ankle injury derailed that goal as well. But he took lessons from those days that have served him well all his life.

“In a sport like football, all the principles of life are embedded — I think you can say that about other sports as well, but I’m more familiar with football,” said Thomas, who was a running back at Technical High School and American International College. “If you’re trying to get into the end zone for a touchdown, you can’t run out at the five-yard line, back to the coach, and say, ‘hey, Coach, I’m trying to get in the end zone, but this guy keeps stopping me.’

This table contains many of the meaningful items that tell Henry Thomas’s life story.

“There’s always going to be a defense in life, and that’s what I’ve preached to my kids as well,” he went on. “A lot of guys were bigger and better than I was. But I had a lot of willpower, and I think that was the difference sometimes.”

So, thanks to his asthma and his ankle, Thomas chose a different course after his graduation from AIC in 1971: he got to work on his master’s degree; married Dee, his wife of 51 years; and went to work for the Urban League.

Fifty-two years later, he’s still there, with almost a half-century at the helm. It’s a life marked by profound changes in society, with myriad opportunities to make a deep impact throughout this region. It’s the life of a Difference Maker.

Early Impact

Thomas’ first role at the Urban League was youth coordinator, and he immediately saw the impact the organization could have on youth, as well as older people.

“The late Vernon Jordan told me, ‘Henry, this is the best job in black America, because you have an opportunity to meet a host of interesting folks, and you become more sensitized to the challenges and issues that impact the lives of the people you know, or even in your family.’”

In 1974, at age 25, Thomas became the nation’s youngest leader of a national Urban League affiliate. One of his key areas of focus throughout his career has been education, and not just through Urban League programs; he also served for 13 years on the UMass Amherst board of trustees — including two and a half years as board chair — and was a co-founder of New Leadership Charter School.

In all Urban League initiatives — its programs include education and youth-development initiatives, as well as programs for economic and workforce development, health and wellness, and seniors — Thomas has been driven by an understanding of the importance of equity.

“No equity, no excellence,” he simply said. “I always had a feeling that things could be better, as it relates to equity, everyone getting the treatment that others are getting.”

From co-founding a charter school to chairing the UMass Amherst board of trustees, Henry Thomas has made education central to his work throughout the decades.
Leah Martin Photography

Even today, programs like Youth STEM Enrichment, Digital Connectors, a partnership with UMass Amherst IT, and access to STEM programs at Springfield College speak to the need to break barriers to technology adoption by urban teens.

“Technology has had an impact on the Urban League, as it has with many other business,” Thomas said. “Technology is a real game changer in how well are you going to adapt to doing a new job — or an old job, because even the old job has to get upgraded. It’s major, because I’ve seen so many people working inefficiently, and that can limit you. If you want to climb, you’ve got to learn how to do these things.”

Thomas’ leadership and advocacy on the UMass board of trustees was instrumental in UMass Chan Medical School’s establishing its first-ever regional campus, UMass Chan Medical School – Baystate, in downtown Springfield, and its focus on improving the health and well-being of the region’s medically underserved rural and urban communities.

For that effort, he recently earned an honorary doctorate there, to go along with similar honors from UMass Amherst, Bay Path University, Westfield State University, and Nichols College. In addition to his bachelor’s and master’s degrees from AIC, he also earned a juris doctor degree from Western New England University School of Law.

Also in the vein of education and workforce development, Thomas established Step Up Springfield, a teacher-development program in Springfield; is funding (along with his wife, Dee, a former teacher and principal herself) a $50,000 scholarship for Black youth from Springfield; and tackled a two-year assignment with the National Urban League as its vice president for Youth Development, with a primary focus of youth development within inner-city communities.

Another one of Thomas’ successes was bringing Camp Atwater in North Brookfield — the oldest overnight camp for Black youth in the U.S. — back to life in 1980 after a period of dormancy. The camp, which celebrated its 100th anniversary in 2021, is especially meaningful to him because he attended as a youth.

“I don’t feel desperate. I feel like we can get to where we need to be. I’m optimistic.”

“It had an impact on me; this was the place where I learned that I don’t have to make a selection between being cool or being smart. I found out that I could do both.”

The lesson he took from his own experience at camp was that kids need to see other kids making the right choices in life.

“These kids knew all the contemporary dances. But they were talking about becoming a doctor, becoming a lawyer, and at the same time shooting three-point shots. And I said, ‘wow, I really don’t have to make a choice. I could do both.’”

But it’s not just showing teens positive pathways, but helping them get on them, that really matters, he added. He said his parents did that for him, and it’s been his life’s work at the Urban League to help others achieve their dreams.

“Like I said before, it’s equity. If you don’t have a chance to be as good as the next woman or guy, then you’re not going to achieve the excellence that you think you’re capable of. So I should give my parents a little credit.”

A Very Good Life

When considering his long list of achievements of impact, Thomas boils it down simply.

“It’s been a very good life,” he said, before expressing pride in his wife and his children; his son works for OppenheimerFunds in South Orange, N.J., and his daughter is an assistant school superintendent in Richmond, Va. And, as noted, Thomas’ own responsibilities have taken him beyond the Urban League, such as his role as first African-American to chair the Springfield Police and Fire commissions.

“I’ve actually marveled at all the various hats this man has worn through the years, particularly as Police commissioner,” Dee Thomas said. “Those were really rough times when he was in that position, and he met a lot of opposition in trying to change the face of the police force and make it more diverse. I will never forget those days. But I’ve seen all the people that he’s touched, and we still see officers come up and thank him for allowing them to be on the commission, because they know, if were not for him, they wouldn’t be there.”

It’s just another example, Henry said, of sometimes having to run the ball through a defense in life.

And he’s hopeful that the younger generation will continue to pick up his mantle, understanding that equity has not yet been achieved in all areas of life, no matter how much various corners of society — in government, education, and elsewhere — would like the conversation to go away, as evidence by the current tussles over critical race theory and what students are allowed to learn and read.

“I think it is doing an injustice to young people when they are not getting the kind of access that they need — and that they deserve — to help them understand the world and how it operates: the good, the bad, and the ugly. You can make better choices when you know all three,” he said. “I do think that there’s too much of a passive approach by people who are self-sufficient and feel, well, ‘that’s not my problem. I hate to see it, but I’ve got to move on.’”

Thomas is not moving on from those goals, even after his time with the Urban League is done. He’s seen enough to recognize the power of arming young people with education, creating access to opportunities, and continuing the conversation.

“But I don’t feel desperate,” he said — largely because of those young people with the potential to be difference makers themselves, as he certainly is. “I feel like we can get to where we need to be. I’m optimistic.”

That’s a life story — and a continuing legacy — much bigger than a glass-covered end table.

Burns Maxey, Board President, CitySpace

Class of 2023

She’s Guiding an Arts Renaissance That Will Reverberate Beyond Easthampton

Burns Maxey

Looking back over two decades in Easthampton, and her current work with a volunteer organization called CitySpace, Carol Abbe Smith saw, in its leader, someone who is making a difference in myriad ways.

“If you came to Easthampton in 2000, you would see empty storefronts and no foot traffic,” said Smith, owner of Delap Real Estate. “Today, Easthampton has restaurants, interesting shops, and music venues, in part due to the vision, energy, and leadership skills of one person: Burns Maxey.”

She’s right, though Maxey is quick to share credit — and share it with a lot of people — for the revitalization of Easthampton’s downtown in the form of an intriguing project to transform Old Town Hall into an arts and performance space, and the ways in which that project has caused, and will continue to generate, economic ripples far beyond the center of town.

“I think artists have the capability of making change happen on a smaller scale and creating reverberations with communities,” Maxey told BusinessWest. “And imagination is the key to thinking outside of the box and really considering what the possibilities are — or beyond the possibilities.”

“I think artists have the capability of making change happen on a smaller scale and creating reverberations with communities.”

Maxey has been heavily involved in Easthampton’s arts culture for the better part of two decades, including serving as arts coordinator for Easthampton City Arts from 2011 to 2016; during her tenure, she oversaw the creation of events like Bear Fest, Cultural Chaos, and the Easthampton Book Fest, securing grants in the process.

Also in 2011, she joined the all-volunteer board of CitySpace, which had been tasked with creating a flexible arts and community space in Old Town Hall, which was built in 1869 and housed the town’s municipal offices until 2003. In 2015, she became board president, and since then, she has helped secure Community Preservation Act funds, multiple foundation grants, and historic tax credits, as well as heading the capital campaign and events committee in an effort to raise about $8.5 million for the project.

Phase one involved renovation of the first floor, including the creation of a small, 80-seat rental performance space called the Blue Room. In conjunction with that, Maxey established a program called Pay It Forward to allow low-income artists the resources, space, and support to create or collaborate on a project, or have a residency to complete a project prior to public performance. After a successful trial in 2022, the program will roll out more fully in 2023, with the help of a $30,000 grant from the Community Foundation of Western Massachusetts.

“This gives access to this space for rehearsals or performances to artists who need it — underserved artists, artists of color, low-income artists, really — anyone who doesn’t have the capacity to pay for the affordable rates we have,” she explained.

It’s also a sort of incubator space, she said. “It’s used for performing-arts groups and everything from community meetings to nonprofit fundraisers to exercise classes and rehearsals. Last year, we had close to 100 events within the space, different populations coming into the building. They get to see what’s happening here and really get to learn about what CitySpace does. So it’s kind of a neat way for us to test some ideas.”

Burns Maxey stands in the Blue Room, which hosted about 100 events in its first year.
Leah Martin Photography

One Pay It Forward recipient, Amherst-based musician Kim Chin-Gibbons, brought her band, Sunset Mission, to CitySpace for a three-day intensive to practice, hone their sound, create a video, and play for a crowd, followed by an audience talk-back session.

“We discovered things about our tech and performances I don’t think we would have for months or maybe years,” Chin-Gibbons said. “It was the perfect place to control all our variables and grow as musicians and people.”

The next phases of the Old Town Hall revival include the restoration of a 350-seat space on the second floor (likely double that capacity for standing-room shows). But that takes fundraising, and Maxey and her board continue that effort, seeing the impact a broadened arts culture has already had on the town’s vitality, and understanding how the completed project will multiply that impact.

“This was established in 1869 to be the hub for community, for performances, for meetings, for dances. It was the place where people gathered.”

“I believe everyone has a place to live and thrive in Western Massachusetts, and now we have a great opportunity to plan smartly to create both affordability and economic flourishing,” she told BusinessWest. “I believe CitySpace is a partial solution to concerns like gentrification by creating long-term affordability to creative space on Main Street, right in the middle of the region.”

By fostering the arts and community she added, “we can make a destination where people want to be, and this, in turn, has economic reverberations. It’s that cycle of reciprocity that will allow this region to fully lift itself up to its potential.”

One Step at a Time

While touring Old Town Hall with BusinessWest, Maxey stopped by Big Red Frame, a business owned by Jean-Pierre Pasche that moved into the building around 2007, a few years after the municipal offices moved out.

“I fell in love with this place 17 years ago when I heard that it was going to be transformed into an arts center,” Pasche said. “I approached the people submitting RFPs to the town, and I said, ‘if you need a tenant on the project, I’ll go in. And I’m still here.”

Maxey credits town officials at the time for having the foresight to envision an arts and culture hub in the building, and recognize the impact that could have on economic development in town.

“I could see the potential for this building,” she added. “And when they showed me the second floor, I was like, ‘oh yeah, I’m really interested in this project.’”

Old Town Hall

The first floor, which includes a number of art spaces and the Blue Room, is largely completed. “When you look at the second floor,” Maxey said, “you see where the funding stopped.”

Elaborating, she explained, “when the pandemic hit, we started to think about phasing the project and what our options would be to continue the work. So we talked to our architects, and they said, ‘yes, you can phase it.’ Initially, we thought that it would be one project as a whole, but it grew from a $6.6 million project to an $8.5 million project, which is a lot, but compared to a lot of other projects within the region and beyond, it’s not too far off from where we originally started.”

Phase two of the project, which has already seen the HVAC system upgraded and modernized, will also add an elevator and newly accessible entryway in front of the building; Maxey said CitySpace needs about $170,000 to get there.

Phase three, easily the most expensive part of the $8.5 million project, will complete the second floor, restoring the ceiling and floors, adding restrooms, installing new electrical and fire-safety systems, and investing in state-of-the-art theatrical and lighting equipment. Amid the modern amenities, Maxey wants to retain as much history as possible, including the mahogany balcony.

“Easthampton, historically, wasn’t a wealthy town,” she explained. “Unlike Holyoke or Springfield or Northampton, we really don’t have a plethora of beautiful buildings throughout the city. This was established in 1869 to be the hub for community, for performances, for meetings, for dances. It was the place where people gathered.”

It’s Maxey’s vision to see that happen again, and she intends to maintain affordable rental rates, not just in the small space currently open, but in the large performance hall on the second floor, once it’s complete.

“That’s part of our mission, to keep this building affordable for arts and community programming,” she said of the Blue Room. “When somebody comes into the space, there’s a flat, hourly rate. But they get everything, like the PA, the projector, tables, chairs. So it’s not like an a la carte menu where we’re adding dollars for each item.”

That model will continue upstairs. “We’re thinking of keeping it very similar to what we’re doing in the Blue Room. It’s a rental space with affordable rates, attracting and really serving artists throughout Western Massachusetts, and we want some traveling artists to come in as well. It’s really a place for people who want to produce events, and it’s also allowing for CitySpace to have our own programming.”

The 350-seat capacity is a “sweet spot” for the area, she added, larger than compact spaces like the Parlor Room in Northampton and the Drake in Amherst, but smaller than the Academy of Music in Northampton, which seats about 800. “Sometimes that’s too much to fill for some artists, and there are a lot of 150-seat locations throughout the region, so this is one step above that.”

CitySpace has a 44-year lease with the city on the building, and Maxey is looking long-term, including applying for Massachusetts historic tax credits after the building is completed, to go toward its continual upkeep.

“Even though we’ll be restoring the second floor,” she said, “we know that having a long-term plan for maintenance on the building will allow it to be here for another 150 years.”

Labor of Love

Maxey, like all the others on her board, serves CitySpace as a volunteer. Meanwhile, her career — which has taken her from Williston Northampton School as communications associate from 2005 to 2011 to her role as Easthampton’s arts coordinator from 2011 to 2016, to the positions of manager, then director, of Digital and Creative Marketing at New England Public Radio from 2016 to 2020 — has entered a new phase with BurnsMax, the art and design business she launched last year. She is also an adjunct professor of Marketing at the Arts Extension Service at UMass Amherst, teaching a class titled “Marketing the Arts.”

In a sense, that’s what she’s doing at CitySpace, too, a role she called “a joy because of the people who surround me.” In doing so, she singled out several other board members, including former Easthampton Mayor Mike Tautznik, Nikki Beck, Peggy Twardowski, and Smith, as well as an artist advisory committee including Trenda Loftin, Emily Ditkovski, Kyle Boatright, Amber Tanudjaja, and Pamela Means, not to mention a capital-campaign team led by Alison Keller and Tara Brewster.

“Seriously, CitySpace is a labor of love,” Maxey said, “and there are so many more that could be named since we are all volunteers right now — me included — as we kickstart this organization into adulthood.”

And pump some energy into the region as well, she added, noting arts organizations and venues opening up from Greenfield to Springfield, all holding the potential of boosting economic development through the arts.

“You can go to all of these locations, and it’s kind of like this renaissance; you see the potential for performing arts to really enliven and connect the whole Western Massachusetts region. And because of that, we have the capability for incredible economic growth within the region — not just a lovey-feely connection, although that exists too.”

Economic development and its many reverberations. The renovation of a historic building. Creating long-term affordability and accessibility for artists. That’s a lot of differences to make, and Maxey and her team are far from done.

“I’ve made my home here, and it’s such a fantastic place to live and work and play,” she said. “And I think we have a lot of potential to make it even better.”

Nathan Costa, President, Springfield Thunderbirds